feat:법인카드 요약카드 개선 (결제일/사용금액/선불결제)

- 요약카드 4개→6개 확장 (등록카드, 총한도, 매월결제일, 사용금액, 선불결제, 잔여한도)
- 매월결제일: 휴일/주말 시 다음 영업일로 자동 조정 표시
- 사용금액: barobill_card_transactions 기반 청구기간 실거래 합산
- 선불결제: 수정 모달로 테넌트 단위 월별 금액 관리
- 잔여한도: (총한도 - 사용금액 + 선불결제) 계산

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

app/Http/Controllers/Finance/CorporateCardController.php

@@ -3,7 +3,12 @@
 namespace App\Http\Controllers\Finance;
 
 use App\Http\Controllers\Controller;
+use App\Models\Barobill\CardTransaction;
+use App\Models\Barobill\CardTransactionHide;
 use App\Models\Finance\CorporateCard;
+use App\Models\Finance\CorporateCardPrepayment;
+use App\Models\System\Holiday;
+use Carbon\Carbon;
 use Illuminate\Http\JsonResponse;
 use Illuminate\Http\Request;
 
@@ -179,4 +184,185 @@ public function destroy(int $id): JsonResponse
             'message' => '카드가 영구 삭제되었습니다.',
         ]);
     }
+
+    /**
+     * 요약 데이터 (결제일, 사용금액, 선불결제)
+     */
+    public function summary(): JsonResponse
+    {
+        $tenantId = session('selected_tenant_id', 1);
+        $now = Carbon::now();
+
+        // 활성 카드 조회
+        $activeCards = CorporateCard::forTenant($tenantId)->active()->get();
+
+        if ($activeCards->isEmpty()) {
+            return response()->json([
+                'success' => true,
+                'data' => [
+                    'paymentDate' => null,
+                    'paymentDay' => 15,
+                    'originalDate' => null,
+                    'isAdjusted' => false,
+                    'billingPeriod' => null,
+                    'billingUsage' => 0,
+                    'prepaidAmount' => 0,
+                    'prepaidMemo' => '',
+                ],
+            ]);
+        }
+
+        // 대표 결제일 (첫 번째 활성 신용카드 기준)
+        $creditCard = $activeCards->firstWhere('card_type', 'credit');
+        $paymentDay = $creditCard ? $creditCard->payment_day : 15;
+
+        // 휴일 조정 결제일 계산
+        $originalDate = $this->createPaymentDate($now->year, $now->month, $paymentDay);
+        $adjustedDate = $this->getAdjustedPaymentDate($tenantId, $now->year, $now->month, $paymentDay);
+        $isAdjusted = !$originalDate->isSameDay($adjustedDate);
+
+        // 청구기간: 전월 1일 ~ 당월 결제일(조정후)
+        $billingStart = $now->copy()->subMonth()->startOfMonth();
+        $billingEnd = $adjustedDate->copy();
+
+        // 카드번호 목록
+        $cardNumbers = $activeCards->pluck('card_number')->toArray();
+
+        // 사용금액 계산
+        $billingUsage = $this->calculateBillingUsage(
+            $tenantId,
+            $billingStart->format('Y-m-d'),
+            $billingEnd->format('Y-m-d'),
+            $cardNumbers
+        );
+
+        // 선불결제 금액
+        $yearMonth = $now->format('Y-m');
+        $prepayment = CorporateCardPrepayment::getOrCreate($tenantId, $yearMonth);
+
+        return response()->json([
+            'success' => true,
+            'data' => [
+                'paymentDate' => $adjustedDate->format('Y-m-d'),
+                'paymentDay' => $paymentDay,
+                'originalDate' => $originalDate->format('Y-m-d'),
+                'isAdjusted' => $isAdjusted,
+                'billingPeriod' => [
+                    'start' => $billingStart->format('Y-m-d'),
+                    'end' => $billingEnd->format('Y-m-d'),
+                ],
+                'billingUsage' => $billingUsage,
+                'prepaidAmount' => (int) $prepayment->amount,
+                'prepaidMemo' => $prepayment->memo ?? '',
+            ],
+        ]);
+    }
+
+    /**
+     * 선불결제 금액 수정
+     */
+    public function updatePrepayment(Request $request): JsonResponse
+    {
+        $request->validate([
+            'amount' => 'required|integer|min:0',
+            'memo' => 'nullable|string|max:200',
+        ]);
+
+        $tenantId = session('selected_tenant_id', 1);
+        $yearMonth = Carbon::now()->format('Y-m');
+
+        $prepayment = CorporateCardPrepayment::updateOrCreate(
+            ['tenant_id' => $tenantId, 'year_month' => $yearMonth],
+            ['amount' => $request->input('amount'), 'memo' => $request->input('memo')]
+        );
+
+        return response()->json([
+            'success' => true,
+            'message' => '선불결제 금액이 저장되었습니다.',
+            'data' => [
+                'amount' => (int) $prepayment->amount,
+                'memo' => $prepayment->memo ?? '',
+            ],
+        ]);
+    }
+
+    /**
+     * 결제일 날짜 생성 (월 말일 초과 방지)
+     */
+    private function createPaymentDate(int $year, int $month, int $day): Carbon
+    {
+        $maxDay = Carbon::create($year, $month)->daysInMonth;
+        return Carbon::create($year, $month, min($day, $maxDay));
+    }
+
+    /**
+     * 휴일/주말 조정된 결제일 계산
+     */
+    private function getAdjustedPaymentDate(int $tenantId, int $year, int $month, int $paymentDay): Carbon
+    {
+        $date = $this->createPaymentDate($year, $month, $paymentDay);
+
+        // 해당 기간의 휴일 조회
+        $holidays = Holiday::forTenant($tenantId)
+            ->where('start_date', '<=', $date->copy()->addDays(10)->format('Y-m-d'))
+            ->where('end_date', '>=', $date->format('Y-m-d'))
+            ->get();
+
+        $holidayDates = [];
+        foreach ($holidays as $h) {
+            $current = $h->start_date->copy();
+            while ($current <= $h->end_date) {
+                $holidayDates[] = $current->format('Y-m-d');
+                $current->addDay();
+            }
+        }
+
+        // 토/일/공휴일이면 다음 영업일로 이동
+        while ($date->isWeekend() || in_array($date->format('Y-m-d'), $holidayDates)) {
+            $date->addDay();
+        }
+
+        return $date;
+    }
+
+    /**
+     * 청구기간 사용금액 계산 (바로빌 카드거래 합산)
+     */
+    private function calculateBillingUsage(int $tenantId, string $startDate, string $endDate, array $cardNumbers): int
+    {
+        // 카드번호 정규화 (하이픈 제거)
+        $normalizedNums = array_map(fn($num) => str_replace('-', '', $num), $cardNumbers);
+
+        if (empty($normalizedNums)) {
+            return 0;
+        }
+
+        // use_date는 YYYYMMDD 형식
+        $startYmd = str_replace('-', '', $startDate);
+        $endYmd = str_replace('-', '', $endDate);
+
+        // 숨긴 거래 키 조회
+        $hiddenKeys = CardTransactionHide::getHiddenKeys($tenantId, $startYmd, $endYmd);
+
+        // 바로빌 카드거래 조회
+        $transactions = CardTransaction::where('tenant_id', $tenantId)
+            ->whereIn('card_num', $normalizedNums)
+            ->whereBetween('use_date', [$startYmd, $endYmd])
+            ->get();
+
+        $total = 0;
+        foreach ($transactions as $tx) {
+            if ($hiddenKeys->contains($tx->unique_key)) {
+                continue;
+            }
+
+            if ($tx->approval_type === '1') {
+                $total += (int) $tx->approval_amount; // 승인
+            } elseif ($tx->approval_type === '2') {
+                $total -= (int) $tx->approval_amount; // 취소
+            }
+        }
+
+        return $total;
+    }
 }

app/Models/Finance/CorporateCardPrepayment.php

@@ -0,0 +1,25 @@
+<?php
+
+namespace App\Models\Finance;
+
+use Illuminate\Database\Eloquent\Model;
+
+class CorporateCardPrepayment extends Model
+{
+    protected $table = 'corporate_card_prepayments';
+
+    protected $fillable = ['tenant_id', 'year_month', 'amount', 'memo'];
+
+    public function scopeForTenant($query, int $tenantId)
+    {
+        return $query->where('tenant_id', $tenantId);
+    }
+
+    public static function getOrCreate(int $tenantId, string $yearMonth): self
+    {
+        return static::firstOrCreate(
+            ['tenant_id' => $tenantId, 'year_month' => $yearMonth],
+            ['amount' => 0, 'memo' => null]
+        );
+    }
+}

resources/views/finance/corporate-cards.blade.php

@@ -62,6 +62,11 @@ function CorporateCardsManagement() {
     const [modalMode, setModalMode] = useState('add'); // 'add' or 'edit'
     const [editingCard, setEditingCard] = useState(null);
 
+    // 요약 데이터
+    const [summaryData, setSummaryData] = useState(null);
+    const [showPrepaymentModal, setShowPrepaymentModal] = useState(false);
+    const [prepaymentForm, setPrepaymentForm] = useState({ amount: '', memo: '' });
+
     // CSRF 토큰
     const csrfToken = document.querySelector('meta[name="csrf-token"]')?.getAttribute('content');
 
@@ -90,18 +95,73 @@ function CorporateCardsManagement() {
     const fetchCards = async () => {
         try {
             setLoading(true);
-            const response = await fetch('/finance/corporate-cards/list');
-            const result = await response.json();
-            if (result.success) {
-                setCards(result.data);
+            const [cardsRes, summaryRes] = await Promise.all([
+                fetch('/finance/corporate-cards/list'),
+                fetch('/finance/corporate-cards/summary'),
+            ]);
+            const cardsResult = await cardsRes.json();
+            const summaryResult = await summaryRes.json();
+            if (cardsResult.success) {
+                setCards(cardsResult.data);
+            }
+            if (summaryResult.success) {
+                setSummaryData(summaryResult.data);
             }
         } catch (error) {
-            console.error('카드 목록 로드 실패:', error);
+            console.error('데이터 로드 실패:', error);
         } finally {
             setLoading(false);
         }
     };
 
+    // 선불결제 저장
+    const handleSavePrepayment = async () => {
+        try {
+            const response = await fetch('/finance/corporate-cards/prepayment', {
+                method: 'POST',
+                headers: {
+                    'Content-Type': 'application/json',
+                    'X-CSRF-TOKEN': csrfToken,
+                },
+                body: JSON.stringify({
+                    amount: parseInt(parseInputCurrency(prepaymentForm.amount)) || 0,
+                    memo: prepaymentForm.memo,
+                }),
+            });
+            const result = await response.json();
+            if (result.success) {
+                setSummaryData(prev => ({
+                    ...prev,
+                    prepaidAmount: result.data.amount,
+                    prepaidMemo: result.data.memo,
+                }));
+                setShowPrepaymentModal(false);
+            } else {
+                alert(result.message || '저장에 실패했습니다.');
+            }
+        } catch (error) {
+            console.error('선불결제 저장 실패:', error);
+            alert('저장 중 오류가 발생했습니다.');
+        }
+    };
+
+    // 선불결제 수정 모달 열기
+    const openPrepaymentModal = () => {
+        setPrepaymentForm({
+            amount: summaryData?.prepaidAmount ? String(summaryData.prepaidAmount) : '',
+            memo: summaryData?.prepaidMemo || '',
+        });
+        setShowPrepaymentModal(true);
+    };
+
+    // 날짜 포맷 (M/D(요일))
+    const formatPaymentDate = (dateStr) => {
+        if (!dateStr) return '-';
+        const date = new Date(dateStr);
+        const days = ['일', '월', '화', '수', '목', '금', '토'];
+        return `${date.getMonth() + 1}/${date.getDate()}(${days[date.getDay()]})`;
+    };
+
     // 테스트용 임시 데이터 생성
     const generateTestData = async () => {
         const companies = ['삼성카드', '현대카드', '국민카드', '신한카드', '롯데카드'];
@@ -377,38 +437,83 @@ className="p-1.5 bg-amber-500 hover:bg-amber-600 text-white rounded transition-c
             </header>
 
             {/* 요약 카드 */}
-            <div className="grid grid-cols-1 md:grid-cols-4 gap-4 mb-6">
-                <div className="bg-white rounded-xl border border-gray-200 p-6">
+            <div className="grid grid-cols-2 lg:grid-cols-6 gap-4 mb-6">
+                {/* 1. 등록 카드 */}
+                <div className="bg-white rounded-xl border border-gray-200 p-4">
                     <div className="flex items-center justify-between mb-2">
-                        <span className="text-sm text-gray-500">등록 카드</span>
-                        <CreditCard className="w-5 h-5 text-gray-400" />
+                        <span className="text-xs text-gray-500">등록 카드</span>
+                        <CreditCard className="w-4 h-4 text-gray-400" />
                     </div>
-                    <p className="text-2xl font-bold text-gray-900">{cards.length}장</p>
+                    <p className="text-xl font-bold text-gray-900">{cards.length}장</p>
                     <p className="text-xs text-gray-400 mt-1">활성 {cards.filter(c => c.status === 'active').length}장</p>
                 </div>
-                <div className="bg-white rounded-xl border border-gray-200 p-6">
+                {/* 2. 총 한도 */}
+                <div className="bg-white rounded-xl border border-gray-200 p-4">
                     <div className="flex items-center justify-between mb-2">
-                        <span className="text-sm text-gray-500">총 한도</span>
-                        <DollarSign className="w-5 h-5 text-gray-400" />
+                        <span className="text-xs text-gray-500">총 한도</span>
+                        <DollarSign className="w-4 h-4 text-gray-400" />
                     </div>
-                    <p className="text-2xl font-bold text-gray-900">{formatCurrency(totalLimit)}원</p>
+                    <p className="text-xl font-bold text-gray-900">{formatCurrency(totalLimit)}원</p>
                     <p className="text-xs text-gray-400 mt-1">신용카드 기준</p>
                 </div>
-                <div className="bg-white rounded-xl border border-violet-200 p-6 bg-violet-50/30">
+                {/* 3. 매월결제일 */}
+                <div className="bg-white rounded-xl border border-blue-200 p-4 bg-blue-50/30">
                     <div className="flex items-center justify-between mb-2">
-                        <span className="text-sm text-violet-700">이번 달 사용</span>
-                        <CreditCard className="w-5 h-5 text-violet-500" />
+                        <span className="text-xs text-blue-700">매월결제일</span>
+                        <Calendar className="w-4 h-4 text-blue-500" />
                     </div>
-                    <p className="text-2xl font-bold text-violet-600">{formatCurrency(totalUsage)}원</p>
-                    <p className="text-xs text-violet-500 mt-1">{totalLimit > 0 ? getUsagePercent(totalUsage, totalLimit) : 0}% 사용</p>
+                    <p className="text-xl font-bold text-blue-600">
+                        {summaryData?.paymentDate ? formatPaymentDate(summaryData.paymentDate) : '-'}
+                    </p>
+                    <p className="text-xs text-blue-400 mt-1">
+                        {summaryData?.isAdjusted
+                            ? `${summaryData.paymentDay}일→휴일조정`
+                            : summaryData?.paymentDay ? `매월 ${summaryData.paymentDay}일` : '-'}
+                    </p>
                 </div>
-                <div className="bg-white rounded-xl border border-gray-200 p-6">
+                {/* 4. 사용금액 (청구기간) */}
+                <div className="bg-white rounded-xl border border-violet-200 p-4 bg-violet-50/30">
                     <div className="flex items-center justify-between mb-2">
-                        <span className="text-sm text-gray-500">잔여 한도</span>
-                        <DollarSign className="w-5 h-5 text-emerald-500" />
+                        <span className="text-xs text-violet-700">사용금액</span>
+                        <CreditCard className="w-4 h-4 text-violet-500" />
                     </div>
-                    <p className="text-2xl font-bold text-emerald-600">{formatCurrency(totalLimit - totalUsage)}원</p>
-                    <p className="text-xs text-gray-400 mt-1">사용 가능</p>
+                    <p className="text-xl font-bold text-violet-600">
+                        {summaryData ? formatCurrency(summaryData.billingUsage) : '0'}원
+                    </p>
+                    <p className="text-xs text-violet-400 mt-1">
+                        {summaryData?.billingPeriod
+                            ? `${summaryData.billingPeriod.start.slice(5).replace('-','/')}~${summaryData.billingPeriod.end.slice(5).replace('-','/')} 기준`
+                            : '-'}
+                    </p>
+                </div>
+                {/* 5. 선불결제 */}
+                <div className="bg-white rounded-xl border border-amber-200 p-4 bg-amber-50/30">
+                    <div className="flex items-center justify-between mb-2">
+                        <span className="text-xs text-amber-700">선불결제</span>
+                        <button
+                            onClick={openPrepaymentModal}
+                            className="text-xs px-1.5 py-0.5 bg-amber-100 hover:bg-amber-200 text-amber-700 rounded transition-colors"
+                        >
+                            수정
+                        </button>
+                    </div>
+                    <p className="text-xl font-bold text-amber-600">
+                        {summaryData ? formatCurrency(summaryData.prepaidAmount) : '0'}원
+                    </p>
+                    <p className="text-xs text-amber-400 mt-1 truncate" title={summaryData?.prepaidMemo || ''}>
+                        {summaryData?.prepaidMemo || '미입력'}
+                    </p>
+                </div>
+                {/* 6. 잔여 한도 */}
+                <div className="bg-white rounded-xl border border-emerald-200 p-4 bg-emerald-50/30">
+                    <div className="flex items-center justify-between mb-2">
+                        <span className="text-xs text-emerald-700">잔여 한도</span>
+                        <DollarSign className="w-4 h-4 text-emerald-500" />
+                    </div>
+                    <p className="text-xl font-bold text-emerald-600">
+                        {formatCurrency(totalLimit - (summaryData?.billingUsage || 0) + (summaryData?.prepaidAmount || 0))}원
+                    </p>
+                    <p className="text-xs text-emerald-400 mt-1">한도-사용+선결제</p>
                 </div>
             </div>
 
@@ -749,6 +854,59 @@ className="flex-1 px-4 py-2 bg-violet-600 hover:bg-violet-700 text-white rounded
                     </div>
                 </div>
             )}
+            {/* 선불결제 수정 모달 */}
+            {showPrepaymentModal && (
+                <div className="fixed inset-0 bg-black/50 flex items-center justify-center z-50">
+                    <div className="bg-white rounded-xl p-6 w-full max-w-sm mx-4">
+                        <div className="flex items-center justify-between mb-4">
+                            <h3 className="text-lg font-bold text-gray-900">선불결제 금액 수정</h3>
+                            <button
+                                onClick={() => setShowPrepaymentModal(false)}
+                                className="p-1 hover:bg-gray-100 rounded-lg"
+                            >
+                                <X className="w-5 h-5 text-gray-500" />
+                            </button>
+                        </div>
+                        <div className="space-y-4">
+                            <div>
+                                <label className="block text-sm font-medium text-gray-700 mb-1">선불결제 금액</label>
+                                <input
+                                    type="text"
+                                    value={formatInputCurrency(prepaymentForm.amount)}
+                                    onChange={(e) => setPrepaymentForm(prev => ({ ...prev, amount: parseInputCurrency(e.target.value) }))}
+                                    placeholder="0"
+                                    className="w-full px-3 py-2 border border-gray-300 rounded-lg focus:ring-2 focus:ring-amber-500 text-right text-lg font-bold"
+                                />
+                            </div>
+                            <div>
+                                <label className="block text-sm font-medium text-gray-700 mb-1">메모 (선택)</label>
+                                <input
+                                    type="text"
+                                    value={prepaymentForm.memo}
+                                    onChange={(e) => setPrepaymentForm(prev => ({ ...prev, memo: e.target.value }))}
+                                    placeholder="예: 2월 선결제"
+                                    maxLength={200}
+                                    className="w-full px-3 py-2 border border-gray-300 rounded-lg focus:ring-2 focus:ring-amber-500"
+                                />
+                            </div>
+                        </div>
+                        <div className="flex gap-3 mt-6">
+                            <button
+                                onClick={() => setShowPrepaymentModal(false)}
+                                className="flex-1 px-4 py-2 border border-gray-300 text-gray-700 rounded-lg hover:bg-gray-50"
+                            >
+                                취소
+                            </button>
+                            <button
+                                onClick={handleSavePrepayment}
+                                className="flex-1 px-4 py-2 bg-amber-500 hover:bg-amber-600 text-white rounded-lg"
+                            >
+                                저장
+                            </button>
+                        </div>
+                    </div>
+                </div>
+            )}
         </div>
     );
 }

routes/web.php

@@ -886,6 +886,8 @@
     // 법인카드 API
     Route::prefix('corporate-cards')->name('corporate-cards.')->group(function () {
         Route::get('/list', [\App\Http\Controllers\Finance\CorporateCardController::class, 'index'])->name('list');
+        Route::get('/summary', [\App\Http\Controllers\Finance\CorporateCardController::class, 'summary'])->name('summary');
+        Route::post('/prepayment', [\App\Http\Controllers\Finance\CorporateCardController::class, 'updatePrepayment'])->name('prepayment');
         Route::post('/store', [\App\Http\Controllers\Finance\CorporateCardController::class, 'store'])->name('store');
         Route::put('/{id}', [\App\Http\Controllers\Finance\CorporateCardController::class, 'update'])->name('update');
         Route::post('/{id}/deactivate', [\App\Http\Controllers\Finance\CorporateCardController::class, 'deactivate'])->name('deactivate');