sam-api/app/Models/Tenants/BankAccount.php

<?php

namespace App\Models\Tenants;

use App\Models\Members\User;
use App\Traits\Auditable;
use App\Traits\BelongsToTenant;
use App\Traits\ModelTrait;
use Illuminate\Database\Eloquent\Model;
use Illuminate\Database\Eloquent\Relations\BelongsTo;
use Illuminate\Database\Eloquent\SoftDeletes;

/**
 * 은행 계좌 모델
 *
 * @property int $id
 * @property int $tenant_id
 * @property string $bank_code
 * @property string $bank_name
 * @property string $account_number
 * @property string $account_holder
 * @property string $account_name
 * @property string $status
 * @property int|null $assigned_user_id
 * @property bool $is_primary
 * @property int|null $created_by
 * @property int|null $updated_by
 * @property int|null $deleted_by
 */
class BankAccount extends Model
{
    use Auditable, BelongsToTenant, ModelTrait, SoftDeletes;

    protected $table = 'bank_accounts';

    protected $fillable = [
        'tenant_id',
        'bank_code',
        'bank_name',
        'account_number',
        'account_holder',
        'account_name',
        'status',
        'assigned_user_id',
        'is_primary',
        'created_by',
        'updated_by',
        'deleted_by',
    ];

    protected $casts = [
        'is_primary' => 'boolean',
    ];

    protected $attributes = [
        'status' => 'active',
        'is_primary' => false,
    ];

    // =========================================================================
    // 관계 정의
    // =========================================================================

    /**
     * 담당자
     */
    public function assignedUser(): BelongsTo
    {
        return $this->belongsTo(User::class, 'assigned_user_id');
    }

    /**
     * 생성자
     */
    public function creator(): BelongsTo
    {
        return $this->belongsTo(User::class, 'created_by');
    }

    /**
     * 수정자
     */
    public function updater(): BelongsTo
    {
        return $this->belongsTo(User::class, 'updated_by');
    }

    // =========================================================================
    // 헬퍼 메서드
    // =========================================================================

    /**
     * 마스킹된 계좌번호 조회
     */
    public function getMaskedAccountNumber(): string
    {
        $length = strlen($this->account_number);
        if ($length <= 4) {
            return $this->account_number;
        }

        $visibleEnd = substr($this->account_number, -4);
        $maskedPart = str_repeat('*', $length - 4);

        return $maskedPart.$visibleEnd;
    }

    /**
     * 활성 상태 여부
     */
    public function isActive(): bool
    {
        return $this->status === 'active';
    }

    /**
     * 상태 토글
     */
    public function toggleStatus(): void
    {
        $this->status = $this->status === 'active' ? 'inactive' : 'active';
    }

    /**
     * 대표계좌로 설정
     */
    public function setAsPrimary(): void
    {
        $this->is_primary = true;
    }
}