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',
        'account_type',
        'balance',
        'currency',
        'opened_at',
        'last_transaction_at',
        'branch_name',
        'memo',
        'status',
        'assigned_user_id',
        'is_primary',
        'sort_order',
        'created_by',
        'updated_by',
        'deleted_by',
    ];

    protected $hidden = [
        'created_by',
        'updated_by',
        'deleted_by',
        'deleted_at',
    ];

    protected $casts = [
        'balance' => 'decimal:2',
        'is_primary' => 'boolean',
        'opened_at' => 'date',
        'last_transaction_at' => 'datetime',
    ];

    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
    // =========================================================================

    // =========================================================================
    // Accessors
    // =========================================================================

    /**
     * 포맷된 잔액
     */
    public function getFormattedBalanceAttribute(): string
    {
        $amount = abs($this->balance ?? 0);

        if ($amount >= 100000000) {
            return number_format($amount / 100000000, 1).'억원';
        } elseif ($amount >= 10000000) {
            return number_format($amount / 10000000, 0).'천만원';
        } elseif ($amount >= 10000) {
            return number_format($amount / 10000, 0).'만원';
        }

        return number_format($amount).'원';
    }

    /**
     * 마스킹된 계좌번호
     */
    public function getMaskedAccountNumber(): string
    {
        $number = $this->account_number;
        if (strlen($number) <= 6) {
            return $number;
        }

        return substr($number, 0, 3).'-***-'.substr($number, -4);
    }

    // =========================================================================
    // Scopes
    // =========================================================================

    public function scopeActive($query)
    {
        return $query->where('status', 'active');
    }

    public function scopePrimary($query)
    {
        return $query->where('is_primary', true);
    }

    public function scopeByType($query, string $accountType)
    {
        return $query->where('account_type', $accountType);
    }

    public function scopeOrdered($query)
    {
        return $query->orderBy('sort_order')->orderBy('bank_name');
    }

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

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

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

    /**
     * 잔액 업데이트
     */
    public function updateBalance(float $newBalance): void
    {
        $this->update([
            'balance' => $newBalance,
            'last_transaction_at' => now(),
        ]);
    }
}