-- ===========================================================================
-- 70-econ.sql : 실제 매입사 경제모델 (딥리서치 갭분석 고도화)
--   수수료 3층 분해(interchange+scheme fee+acquirer markup),
--   클리어링/프레젠트먼트(정산과 분리), 발급사↔매입사 순액정산(BIN/ICA·회원사),
--   정산 항등식(총매출−환불−채그백−수수료−리저브=입금), 채그백/분쟁 라이프사이클.
--   기존 flat MDR 은 markup 으로 재해석하여 하위호환.
-- ===========================================================================

-- ---------------------------------------------------------------------------
-- 1. Interchange 요율표 (발급사 귀속분). 카드종류×MCC×채널×거래유형 차등.
--    실제 매입사에서 요율이 갈리는 축을 그대로 반영(interchange qualification).
-- ---------------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS st_interchange_rate (
    card_type   TEXT NOT NULL,                 -- CREDIT/CHECK/PREPAID
    mcc         TEXT NOT NULL DEFAULT 'DEFAULT',-- 업종(가맹점 category 매핑)
    channel     TEXT NOT NULL DEFAULT 'DEFAULT',-- POS/EDC/EDI/FOREIGN
    txn_type    TEXT NOT NULL DEFAULT 'SALE',   -- SALE/CASH/REFUND
    rate_bps    BIGINT NOT NULL DEFAULT 0,      -- basis points (1bp=0.01%)
    fixed_fee   BIGINT NOT NULL DEFAULT 0,      -- 건당 고정수수료(원)
    eff_date    DATE NOT NULL DEFAULT current_date,
    PRIMARY KEY (card_type, mcc, channel, txn_type)
);

-- ---------------------------------------------------------------------------
-- 2. Scheme fee (카드망 assessment). 스킴×거래유형.
-- ---------------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS st_scheme_fee (
    scheme      TEXT NOT NULL,                 -- BC/VISA/MASTER/LOCAL
    txn_type    TEXT NOT NULL DEFAULT 'SALE',
    rate_bps    BIGINT NOT NULL DEFAULT 0,
    fixed_fee   BIGINT NOT NULL DEFAULT 0,
    PRIMARY KEY (scheme, txn_type)
);

-- ---------------------------------------------------------------------------
-- 3. 거래별 수수료 분해 (MDR = interchange + scheme_fee + markup).
--    매입사 손익: markup 만 매입사 수익, interchange 는 발급사, scheme_fee 는 카드망.
-- ---------------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS st_fee_component (
    purchase_id  BIGINT PRIMARY KEY,
    amount       BIGINT NOT NULL,
    interchange  BIGINT NOT NULL DEFAULT 0,     -- 발급사 귀속
    scheme_fee   BIGINT NOT NULL DEFAULT 0,     -- 카드망 귀속
    markup       BIGINT NOT NULL DEFAULT 0,     -- 매입사 수익(협상대상)
    mdr_total    BIGINT NOT NULL DEFAULT 0,     -- = interchange+scheme_fee+markup
    card_type    TEXT NOT NULL DEFAULT 'CREDIT',
    scheme       TEXT NOT NULL DEFAULT 'BC',
    computed_at  TIMESTAMPTZ NOT NULL DEFAULT now()
);

-- ---------------------------------------------------------------------------
-- 4. 프레젠트먼트(클리어링). 승인·정산과 분리된 단계.
--    클리어링=데이터 교환(발급사↔매입사 채무 확정). 정산=자금이동.
-- ---------------------------------------------------------------------------
CREATE SEQUENCE IF NOT EXISTS cl_present_seq START 700000;
CREATE TABLE IF NOT EXISTS cl_presentment (
    presentment_id BIGINT PRIMARY KEY,
    purchase_id    BIGINT NOT NULL,
    scheme         TEXT NOT NULL DEFAULT 'BC',
    msg_class      TEXT NOT NULL DEFAULT 'FIRST_PRESENT', -- FIRST_PRESENT/REPRESENT/CHARGEBACK
    clearing_amt   BIGINT NOT NULL,             -- 클리어링 대상 금액(net of interchange)
    present_date   DATE NOT NULL,
    cycle          TEXT NOT NULL DEFAULT 'T+1', -- 정산주기
    status         TEXT NOT NULL DEFAULT 'CLEARED', -- CLEARED/REJECTED/PENDING
    created_at     TIMESTAMPTZ NOT NULL DEFAULT now()
);

-- ---------------------------------------------------------------------------
-- 5. 회원사(정산 참가 은행/발급사) — 한국 BC카드형 다자간 순액정산.
-- ---------------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS st_member_bank (
    bank_code   TEXT PRIMARY KEY,               -- BC/KB/SHINHAN/...
    bank_name   TEXT NOT NULL,
    bin         TEXT NOT NULL,                  -- 스킴 회원식별자(Visa BIN / MC ICA 대응)
    role        TEXT NOT NULL DEFAULT 'BOTH'    -- ISSUER/ACQUIRER/BOTH
);

-- ---------------------------------------------------------------------------
-- 6. 순액정산 배치 (발급사↔매입사). BIN/ICA 기준 차대변 합산 → 단일 순액.
-- ---------------------------------------------------------------------------
CREATE SEQUENCE IF NOT EXISTS st_netset_seq START 800000;
CREATE TABLE IF NOT EXISTS st_net_settlement (
    net_id         BIGINT PRIMARY KEY,
    scheme         TEXT NOT NULL DEFAULT 'BC',
    member_bin     TEXT NOT NULL,               -- 상대 회원사 BIN/ICA
    biz_date       DATE NOT NULL,
    txn_count      BIGINT NOT NULL DEFAULT 0,
    gross_amt      BIGINT NOT NULL DEFAULT 0,
    interchange_amt BIGINT NOT NULL DEFAULT 0,
    scheme_fee_amt BIGINT NOT NULL DEFAULT 0,
    net_amt        BIGINT NOT NULL DEFAULT 0,    -- 실제 이체 순액(부호=방향)
    direction      TEXT NOT NULL DEFAULT 'RECEIVE', -- RECEIVE(수취)/PAY(지급)
    status         TEXT NOT NULL DEFAULT 'SETTLED',
    settled_at     TIMESTAMPTZ NOT NULL DEFAULT now(),
    UNIQUE (scheme, member_bin, biz_date)
);

-- ---------------------------------------------------------------------------
-- 7. 롤링 리저브(유보금).
-- ---------------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS st_reserve (
    merchant_id  TEXT NOT NULL,
    biz_date     DATE NOT NULL,
    reserve_bps  BIGINT NOT NULL DEFAULT 0,      -- 유보율
    reserve_amt  BIGINT NOT NULL DEFAULT 0,      -- 이번 회차 유보액
    release_date DATE,                           -- 유보 해제 예정일(롤링)
    released     BOOLEAN NOT NULL DEFAULT false,
    PRIMARY KEY (merchant_id, biz_date)
);

-- ---------------------------------------------------------------------------
-- 8. 가맹점 펀딩 항등식: 총매출 − 환불 − 채그백 − 수수료 − 리저브 = 입금.
-- ---------------------------------------------------------------------------
CREATE SEQUENCE IF NOT EXISTS st_funding_seq START 900000;
CREATE TABLE IF NOT EXISTS st_merchant_funding (
    funding_id    BIGINT PRIMARY KEY,
    merchant_id   TEXT NOT NULL,
    biz_date      DATE NOT NULL,
    gross_sales   BIGINT NOT NULL DEFAULT 0,
    refunds       BIGINT NOT NULL DEFAULT 0,
    chargebacks   BIGINT NOT NULL DEFAULT 0,
    fees          BIGINT NOT NULL DEFAULT 0,     -- MDR 합계
    reserve       BIGINT NOT NULL DEFAULT 0,
    deposit       BIGINT NOT NULL DEFAULT 0,     -- 실제 입금액
    funding_model TEXT NOT NULL DEFAULT 'NET_DAILY', -- NET_DAILY/MONTHLY_DISCOUNT
    status        TEXT NOT NULL DEFAULT 'FUNDED',
    funded_at     TIMESTAMPTZ NOT NULL DEFAULT now(),
    UNIQUE (merchant_id, biz_date)
);

-- ---------------------------------------------------------------------------
-- 9. 채그백/분쟁 라이프사이클: 1차CB → representment → pre-arb → arbitration.
-- ---------------------------------------------------------------------------
CREATE SEQUENCE IF NOT EXISTS ac_dispute_seq START 600000;
CREATE TABLE IF NOT EXISTS ac_dispute (
    dispute_id   BIGINT PRIMARY KEY,
    purchase_id  BIGINT NOT NULL,
    merchant_id  TEXT NOT NULL,
    reason_code  TEXT NOT NULL,                 -- 10.4(사기) / 13.1(상품미수취) / 12.6(중복) ...
    amount       BIGINT NOT NULL,
    stage        TEXT NOT NULL DEFAULT 'FIRST_CB', -- FIRST_CB/REPRESENT/PRE_ARB/ARBITRATION
    status       TEXT NOT NULL DEFAULT 'OPEN',   -- OPEN/WON/LOST/ACCEPTED
    opened_at    TIMESTAMPTZ NOT NULL DEFAULT now(),
    resolved_at  TIMESTAMPTZ,
    memo         TEXT
);
CREATE INDEX IF NOT EXISTS ix_dispute_pid ON ac_dispute(purchase_id);
CREATE INDEX IF NOT EXISTS ix_present_pid ON cl_presentment(purchase_id);