sam-react-prod/src/lib/api/dashboard/transformers/expense.ts

/**
 * 월 예상 지출 (MonthlyExpense) + 카드/가지급금 (CardManagement) 변환
 */

import type {
  ExpectedExpenseApiResponse,
  CardTransactionApiResponse,
  LoanDashboardApiResponse,
  TaxSimulationApiResponse,
} from '../types';
import type {
  MonthlyExpenseData,
  CardManagementData,
  CheckPoint,
  CheckPointType,
} from '@/components/business/CEODashboard/types';
import { formatAmount } from './common';

// ============================================
// 월 예상 지출 (MonthlyExpense)
// ============================================

/**
 * 당월 예상 지출 CheckPoints 생성
 */
function generateMonthlyExpenseCheckPoints(api: ExpectedExpenseApiResponse): CheckPoint[] {
  const checkPoints: CheckPoint[] = [];

  // 총 예상 지출
  checkPoints.push({
    id: 'me-total',
    type: 'info' as CheckPointType,
    message: `이번 달 예상 지출은 ${formatAmount(api.total_amount)}입니다.`,
    highlights: [
      { text: formatAmount(api.total_amount), color: 'blue' as const },
    ],
  });

  return checkPoints;
}

/**
 * ExpectedExpense API 응답 → Frontend 타입 변환
 * 주의: 실제 API는 상세 분류(매입/카드/어음 등)를 제공하지 않음
 * by_transaction_type에서 추출하거나 기본값 사용
 */
export function transformMonthlyExpenseResponse(api: ExpectedExpenseApiResponse): MonthlyExpenseData {
  // transaction_type별 금액 추출
  const purchaseTotal = api.by_transaction_type['purchase']?.total ?? 0;
  const cardTotal = api.by_transaction_type['card']?.total ?? 0;
  const billTotal = api.by_transaction_type['bill']?.total ?? 0;

  return {
    cards: [
      {
        id: 'me1',
        label: '매입',
        amount: purchaseTotal,
      },
      {
        id: 'me2',
        label: '카드',
        amount: cardTotal,
      },
      {
        id: 'me3',
        label: '발행어음',
        amount: billTotal,
      },
      {
        id: 'me4',
        label: '총 예상 지출 합계',
        amount: api.total_amount,
      },
    ],
    checkPoints: generateMonthlyExpenseCheckPoints(api),
  };
}

// ============================================
// 카드/가지급금 (CardManagement) — D1.7 5장 카드 구조
// ============================================

/**
 * 카드/가지급금 CheckPoints 생성 (D1.7)
 *
 * CP1: 법인카드 → 가지급금 전환 경고
 * CP2: 인정이자 발생 현황
 * CP3: 접대비 불인정 항목 감지
 * CP4: 주말 카드 사용 감지 (향후 확장)
 */
function generateCardManagementCheckPoints(
  loanApi?: LoanDashboardApiResponse | null,
  taxApi?: TaxSimulationApiResponse | null,
  cardApi?: CardTransactionApiResponse | null,
): CheckPoint[] {
  const checkPoints: CheckPoint[] = [];

  const totalOutstanding = loanApi?.summary?.total_outstanding ?? 0;
  const interestRate = taxApi?.loan_summary?.interest_rate ?? 4.6;
  const recognizedInterest = taxApi?.loan_summary?.recognized_interest ?? 0;

  // CP1: 법인카드 사용 중 가지급금 전환 경고
  if (totalOutstanding > 0) {
    checkPoints.push({
      id: 'cm-cp1',
      type: 'success' as CheckPointType,
      message: `법인카드 사용 중 ${formatAmount(totalOutstanding)}이 가지급금으로 전환되었습니다. 연 ${interestRate}% 인정이자가 발생합니다.`,
      highlights: [
        { text: formatAmount(totalOutstanding), color: 'red' as const },
        { text: '가지급금', color: 'red' as const },
        { text: `연 ${interestRate}% 인정이자`, color: 'red' as const },
      ],
    });
  }

  // CP2: 인정이자 발생 현황
  if (totalOutstanding > 0 && recognizedInterest > 0) {
    checkPoints.push({
      id: 'cm-cp2',
      type: 'success' as CheckPointType,
      message: `현재 가지급금 ${formatAmount(totalOutstanding)} × ${interestRate}% = 연간 약 ${formatAmount(recognizedInterest)}의 인정이자가 발생 중입니다.`,
      highlights: [
        { text: `연간 약 ${formatAmount(recognizedInterest)}의 인정이자`, color: 'red' as const },
      ],
    });
  }

  // CP3: 접대비 불인정 항목 감지
  const entertainmentCount = loanApi?.category_breakdown?.entertainment?.unverified_count ?? 0;
  if (entertainmentCount > 0) {
    checkPoints.push({
      id: 'cm-cp3',
      type: 'success' as CheckPointType,
      message: '상품권/귀금속 등 접대비 불인정 항목 결제 감지. 가지급금 처리 예정입니다.',
      highlights: [
        { text: '불인정 항목 결제 감지', color: 'red' as const },
      ],
    });
  }

  // CP4: 주말 카드 사용 감지 (향후 card-transactions API 확장 시)
  // 현재는 cardApi 데이터에서 주말 사용 정보가 없으므로 placeholder
  if (cardApi && cardApi.current_month_total > 0) {
    // 향후 weekend_amount 필드 추가 시 활성화
  }

  return checkPoints;
}

/**
 * CardTransaction API 응답 → Frontend 타입 변환
 * D1.7 5장 카드 구조:
 * - cm1: 카드 (loans category_breakdown.card)
 * - cm2: 경조사 (loans category_breakdown.congratulatory)
 * - cm3: 상품권 (loans category_breakdown.gift_certificate)
 * - cm4: 접대비 (loans category_breakdown.entertainment)
 * - cm_total: 총 가지급금 합계 (loans summary.total_outstanding)
 */
export function transformCardManagementResponse(
  summaryApi: CardTransactionApiResponse,
  loanApi?: LoanDashboardApiResponse | null,
  taxApi?: TaxSimulationApiResponse | null,
  fallbackData?: CardManagementData
): CardManagementData {
  const breakdown = loanApi?.category_breakdown;
  const totalOutstanding = loanApi?.summary?.total_outstanding ?? 0;

  // 카테고리별 금액 추출
  const cardAmount = breakdown?.card?.outstanding_amount ?? fallbackData?.cards[0]?.amount ?? 0;
  const congratulatoryAmount = breakdown?.congratulatory?.outstanding_amount ?? fallbackData?.cards[1]?.amount ?? 0;
  const giftCertificateAmount = breakdown?.gift_certificate?.outstanding_amount ?? fallbackData?.cards[2]?.amount ?? 0;
  const entertainmentAmount = breakdown?.entertainment?.outstanding_amount ?? fallbackData?.cards[3]?.amount ?? 0;

  // 카테고리별 미증빙/미정리 건수
  const cardUnverified = breakdown?.card?.unverified_count ?? 0;
  const congratulatoryUnverified = breakdown?.congratulatory?.unverified_count ?? 0;
  const giftCertificateUnverified = breakdown?.gift_certificate?.unverified_count ?? 0;
  const entertainmentUnverified = breakdown?.entertainment?.unverified_count ?? 0;

  // 총 합계 (API summary 또는 카테고리 합산)
  const totalAmount = totalOutstanding > 0
    ? totalOutstanding
    : cardAmount + congratulatoryAmount + giftCertificateAmount + entertainmentAmount;

  // 가지급금 경고 배너 표시 여부 (가지급금 잔액 > 0이면 표시)
  const hasLoanWarning = totalAmount > 0;

  return {
    warningBanner: hasLoanWarning
      ? (fallbackData?.warningBanner ?? '가지급금 인정이자 4.6%, 법인세 및 연말정산 시 대표자 종합세 가중 주의')
      : undefined,
    cards: [
      // cm1: 카드
      {
        id: 'cm1',
        label: '카드',
        amount: cardAmount,
        previousLabel: cardUnverified > 0 ? `미정리 ${cardUnverified}건` : undefined,
      },
      // cm2: 경조사
      {
        id: 'cm2',
        label: '경조사',
        amount: congratulatoryAmount,
        previousLabel: congratulatoryUnverified > 0 ? `미증빙 ${congratulatoryUnverified}건` : undefined,
      },
      // cm3: 상품권
      {
        id: 'cm3',
        label: '상품권',
        amount: giftCertificateAmount,
        previousLabel: giftCertificateUnverified > 0 ? `미증빙 ${giftCertificateUnverified}건` : undefined,
      },
      // cm4: 접대비
      {
        id: 'cm4',
        label: '접대비',
        amount: entertainmentAmount,
        previousLabel: entertainmentUnverified > 0 ? `미증빙 ${entertainmentUnverified}건` : undefined,
      },
      // cm_total: 총 가지급금 합계
      {
        id: 'cm_total',
        label: '총 가지급금 합계',
        amount: totalAmount,
      },
    ],
    checkPoints: generateCardManagementCheckPoints(loanApi, taxApi, summaryApi),
  };
}