-- ===========================================================================
-- 99b-bulk-econ.sql : 대량 히스토리 매입의 정산 경제 파생.
--   수수료 3층 분해(MCC interchange)·프레젠트먼트·순액정산·펀딩·ISO8583 클리어링.
--   기존 96/97 econ 로직과 동일 산식. idempotent 가드(오프셋 대역 존재 검사).
-- ===========================================================================

-- 1. 수수료 3층 분해 (MCC interchange 우선, 채널 폴백, scheme=BC)
INSERT INTO st_fee_component (purchase_id, amount, interchange, scheme_fee, markup, mdr_total, card_type, scheme)
SELECT p.purchase_id, p.amount,
       ic.amt,
       p.amount * 11 / 10000,
       GREATEST(p.fee - ic.amt - p.amount*11/10000, p.amount*8/10000),
       ic.amt + p.amount*11/10000
         + GREATEST(p.fee - ic.amt - p.amount*11/10000, p.amount*8/10000),
       t.ct, 'BC'
FROM purchase p
CROSS JOIN LATERAL (
  SELECT (CASE WHEN (p.purchase_id % 10) < 3 THEN 'CHECK' ELSE 'CREDIT' END) AS ct
) t
CROSS JOIN LATERAL (
  SELECT p.amount * COALESCE(
           (SELECT r.rate_bps FROM mm_merch_mcc mm
              JOIN st_interchange_rate r ON r.card_type = t.ct AND r.mcc = mm.mcc
                 AND r.channel='DEFAULT' AND r.txn_type='SALE'
             WHERE mm.merchant_id = p.merchant_id LIMIT 1),
           130) / 10000 AS amt
) ic
WHERE p.purchase_id >= 10000000 AND p.status = 'S'
  AND NOT EXISTS (SELECT 1 FROM st_fee_component f WHERE f.purchase_id >= 10000000 LIMIT 1);

-- 2. 프레젠트먼트(클리어링) — amount − interchange
INSERT INTO cl_presentment (presentment_id, purchase_id, scheme, msg_class, clearing_amt, present_date, cycle, status)
SELECT nextval('cl_present_seq'), fc.purchase_id, 'BC', 'FIRST_PRESENT',
       fc.amount - fc.interchange, p.biz_date, 'T+1', 'CLEARED'
FROM st_fee_component fc JOIN purchase p ON p.purchase_id = fc.purchase_id
WHERE fc.purchase_id >= 10000000
  AND NOT EXISTS (SELECT 1 FROM cl_presentment c WHERE c.purchase_id >= 10000000 LIMIT 1);

-- 3. ISO 8583 클리어링 PRESENTMENT (이중/단일)
INSERT INTO mg_clearing (clr_id, purchase_id, scheme, msg_class, mti, msg_type, amount, biz_date, status)
SELECT nextval('mg_clearing_seq'), fc.purchase_id, 'BC', 'PRESENTMENT', '1240',
       CASE WHEN fc.card_type='CHECK' THEN 'SINGLE' ELSE 'DUAL' END,
       fc.amount - fc.interchange, p.biz_date, 'ACCEPTED'
FROM st_fee_component fc JOIN purchase p ON p.purchase_id = fc.purchase_id
WHERE fc.purchase_id >= 10000000
  AND NOT EXISTS (SELECT 1 FROM mg_clearing c WHERE c.purchase_id >= 10000000 LIMIT 1);

-- 4. 순액정산 (발급사 BIN × 영업일 집계)
INSERT INTO st_net_settlement (net_id, scheme, member_bin, biz_date, txn_count,
       gross_amt, interchange_amt, scheme_fee_amt, net_amt, direction, status)
SELECT nextval('st_netset_seq'), 'BC', mb.bin, p.biz_date, count(*),
       sum(fc.amount), sum(fc.interchange), sum(fc.scheme_fee),
       sum(fc.amount - fc.interchange - fc.scheme_fee), 'RECEIVE', 'SETTLED'
FROM st_fee_component fc
JOIN purchase p ON p.purchase_id = fc.purchase_id
JOIN st_member_bank mb ON mb.bank_code = p.issuer
WHERE fc.purchase_id >= 10000000
GROUP BY mb.bin, p.biz_date
ON CONFLICT (scheme, member_bin, biz_date) DO NOTHING;

-- 5. 펀딩 항등식 (가맹점 × 영업일)
INSERT INTO st_merchant_funding (funding_id, merchant_id, biz_date, gross_sales, refunds,
       chargebacks, fees, reserve, deposit, funding_model, status)
SELECT nextval('st_funding_seq'), s.merchant_id, s.biz_date,
       s.gross, s.refunds, 0, s.fees, 0,
       s.gross - s.refunds - s.fees, 'NET_DAILY', 'FUNDED'
FROM (
  SELECT p.merchant_id, p.biz_date,
         sum(CASE WHEN p.status='S' THEN p.amount ELSE 0 END) gross,
         sum(CASE WHEN p.status='C' THEN p.amount ELSE 0 END) refunds,
         coalesce(sum(fc.mdr_total),0) fees
  FROM purchase p LEFT JOIN st_fee_component fc ON fc.purchase_id=p.purchase_id
  WHERE p.purchase_id >= 10000000
  GROUP BY p.merchant_id, p.biz_date
) s
WHERE s.gross > 0
ON CONFLICT (merchant_id, biz_date) DO NOTHING;