acquire-core-x/db/schema.d/97d-lifecycle-seed.sql

-- ===========================================================================
-- 97d-lifecycle-seed.sql : Wave K 시드 (73-lifecycle DDL 이후).
--   온보딩·KYC·3자대사·계정과목·프레젠트먼트윈도우·월청구모델·ISO취소전문.
-- ===========================================================================
SELECT setseed(0.61);

-- 1. 계정과목 (suspense/clearing 포함)
INSERT INTO lg_account (acct_code, acct_name, acct_type, normal_side) VALUES
 ('1010','현금및현금성자산','ASSET','D'),
 ('1200','매입미수금','ASSET','D'),
 ('1300','정산대기(clearing)','CLEARING','D'),
 ('1900','미결계정(suspense)','SUSPENSE','D'),
 ('2100','가맹점미지급금','LIABILITY','C'),
 ('2200','발급사정산부채','LIABILITY','C'),
 ('4100','MDR수수료수익','REVENUE','C'),
 ('4200','채그백수수료수익','REVENUE','C'),
 ('5100','interchange비용','EXPENSE','D'),
 ('5200','scheme fee비용','EXPENSE','D')
ON CONFLICT (acct_code) DO NOTHING;

-- 2. 가맹점 온보딩 이력 — 기존 200 가맹점 = 승인건 + 심사중/반려 추가.
INSERT INTO mm_application (app_id, biz_no, name, mcc, rep_name, est_monthly, risk_score, status, reviewer, decision_at, merchant_id)
SELECT nextval('mm_app_seq'),
       lpad(((('x'||substr(md5(m.merchant_id),1,6))::bit(24)::int)%900+100)::text,3,'0')||'-'||
       lpad(((('x'||substr(md5(m.merchant_id),7,2))::bit(8)::int)%90+10)::text,2,'0')||'-'||
       lpad(((('x'||substr(md5(m.merchant_id),9,5))::bit(20)::int)%90000+10000)::text,5,'0'),
       m.name, coalesce(mm.mcc,'5812'), '대표'||right(m.merchant_id,3),
       (('x'||substr(md5(m.merchant_id),3,6))::bit(24)::int)%200000000,
       (('x'||substr(md5(m.merchant_id),5,3))::bit(12)::int)%700,
       'APPROVED', '심사역'||((('x'||substr(md5(m.merchant_id),2,2))::bit(8)::int)%5+1),
       m.created_at + interval '3 days', m.merchant_id
FROM merchant m LEFT JOIN mm_merch_mcc mm ON mm.merchant_id=m.merchant_id
WHERE NOT EXISTS (SELECT 1 FROM mm_application a WHERE a.merchant_id=m.merchant_id);

-- 심사중/반려 신규 신청(미승인) 30건
INSERT INTO mm_application (app_id, biz_no, name, mcc, rep_name, est_monthly, risk_score, status, reject_reason)
SELECT nextval('mm_app_seq'),
       lpad((g%900+100)::text,3,'0')||'-'||lpad((g%90+10)::text,2,'0')||'-'||lpad((g*137%90000+10000)::text,5,'0'),
       '(신규신청) '||(ARRAY['한빛상사','블루오션','그린테크','스타몰','로얄샵'])[1+(g%5)]||' '||g||'호',
       (ARRAY['5812','5411','7011','4722','5732'])[1+(g%5)], '대표K'||g,
       (g*3300000)%300000000, (g*61)%1000,
       CASE WHEN g%3=0 THEN 'UNDERWRITING' WHEN g%7=0 THEN 'REJECTED' ELSE 'RECEIVED' END,
       CASE WHEN g%7=0 THEN '신용도 미달(리스크 초과)' ELSE NULL END
FROM generate_series(1,30) g
ON CONFLICT DO NOTHING;

-- 3. KYC/AML 점검 (신청건마다 5종 점검)
INSERT INTO mm_kyc (kyc_id, app_id, merchant_id, check_type, result, score, detail)
SELECT nextval('mm_kyc_seq'), a.app_id, a.merchant_id, ct.t,
       CASE WHEN a.risk_score>850 AND ct.t IN ('AML','SANCTION') THEN 'REVIEW'
            WHEN a.status='REJECTED' AND ct.t='CREDIT' THEN 'FAIL' ELSE 'PASS' END,
       (a.risk_score + ((('x'||substr(md5(a.app_id::text||ct.t),1,3))::bit(12)::int)%200))%1000,
       ct.t||' 자동점검'
FROM mm_application a CROSS JOIN (VALUES ('IDENTITY'),('SANCTION'),('PEP'),('AML'),('CREDIT')) ct(t)
WHERE NOT EXISTS (SELECT 1 FROM mm_kyc k WHERE k.app_id=a.app_id AND k.check_type=ct.t);

-- 4. 3자 대사 (순액정산 = 카드망, 내부원장 합, 은행입금). 대부분 일치, 소수 차이.
INSERT INTO rc_3way (recon_id, biz_date, member_bin, amt_network, amt_internal, amt_bank, diff_ni, diff_nb, status)
SELECT nextval('rc_3way_seq'), ns.biz_date, ns.member_bin,
       ns.net_amt AS amt_network,
       ns.net_amt AS amt_internal,
       CASE WHEN (ns.net_id % 97)=0 THEN ns.net_amt - 100 ELSE ns.net_amt END AS amt_bank,
       0,
       CASE WHEN (ns.net_id % 97)=0 THEN 100 ELSE 0 END,
       CASE WHEN (ns.net_id % 97)=0 THEN 'DIFF' ELSE 'MATCHED' END
FROM st_net_settlement ns
WHERE NOT EXISTS (SELECT 1 FROM rc_3way r WHERE r.biz_date=ns.biz_date AND r.member_bin=ns.member_bin);

-- 5. 프레젠트먼트 윈도우 / 지연 플래그 (승인~프레젠트 간격 기준)
UPDATE cl_presentment c SET
  window_days = GREATEST(1, (c.present_date - p.biz_date)),
  late_flag   = ((c.present_date - p.biz_date) > 3)
FROM purchase p WHERE p.purchase_id=c.purchase_id AND c.window_days=1 AND c.late_flag=false
  AND (c.present_date - p.biz_date) <> 1;

-- 6. interchange downgrade 사유 (일부 거래 강등: 데이터품질/지연)
UPDATE st_fee_component fc SET downgrade =
  CASE WHEN fc.purchase_id % 50 = 0 THEN 'LATE_PRESENT'
       WHEN fc.purchase_id % 73 = 0 THEN 'MISSING_AVS'
       WHEN fc.purchase_id % 91 = 0 THEN 'NO_3DS' END
WHERE fc.downgrade IS NULL AND (fc.purchase_id % 50 = 0 OR fc.purchase_id % 73 = 0 OR fc.purchase_id % 91 = 0);

-- 7. 월청구 펀딩모델 활성화 (일부 대형가맹점 = MONTHLY_DISCOUNT, 총매출 입금·수수료 월말).
UPDATE st_merchant_funding f SET funding_model='MONTHLY_DISCOUNT', deposit = gross_sales - refunds - chargebacks - reserve
WHERE merchant_id IN (SELECT merchant_id FROM merchant WHERE daily_limit >= 300000000)
  AND funding_model='NET_DAILY';

-- 8. ISO 8583 취소(0420)/통지(0430) 전문 — 취소·무효 매입에 대응.
INSERT INTO mg_msg_log (msg_id, stan, mti, channel, direction, proc_code, bitmap, amount, pan, mac, biz_date, created_at)
SELECT (SELECT coalesce(max(msg_id),0) FROM mg_msg_log) + row_number() OVER (ORDER BY p.purchase_id),
       (p.purchase_id%100000), '0420',
       (ARRAY['CH01','CH02','CH03'])[1+(p.purchase_id%3)], 'OUT', '200000', '',
       p.amount, '4000-****-****-'||lpad((p.purchase_id%10000)::text,4,'0'), 'MAC'||substr(md5(p.purchase_id::text),1,8),
       p.biz_date, p.updated_at
FROM purchase p WHERE p.status IN ('C','V') AND p.purchase_id < 10000000
  AND NOT EXISTS (SELECT 1 FROM mg_msg_log m WHERE m.mti='0420' LIMIT 1)
LIMIT 20000;