Novault-backend/internal/service/sub_account_service.go

package service

import (
	"errors"
	"fmt"
	"time"

	"accounting-app/internal/models"
	"accounting-app/internal/repository"

	"gorm.io/gorm"
)

// Sub-account service errors
var (
	ErrSubAccountNotFound            = errors.New("sub-account not found")
	ErrParentAccountNotFound         = errors.New("parent account not found")
	ErrParentIsSubAccount            = errors.New("cannot create sub-account under another sub-account")
	ErrSubAccountNotBelongTo         = errors.New("sub-account does not belong to this parent account")
	ErrInvalidSubAccountType         = errors.New("invalid sub-account type")
	ErrSavingsPotWithdrawLimit       = errors.New("withdrawal amount exceeds savings pot balance")
	ErrSavingsPotDepositLimit        = errors.New("deposit amount exceeds available balance")
	ErrSavingsPotNotFound            = errors.New("savings pot not found")
	ErrNotASavingsPot                = errors.New("account is not a savings pot")
	ErrInsufficientAvailableBalance  = errors.New("insufficient available balance")
	ErrInsufficientSavingsPotBalance = errors.New("insufficient savings pot balance")
)

// CreateSubAccountInput represents the input for creating a sub-account
type CreateSubAccountInput struct {
	Name            string                `json:"name" binding:"required"`
	SubAccountType  models.SubAccountType `json:"sub_account_type" binding:"required"`
	Balance         float64               `json:"balance"`
	Currency        string                `json:"currency"`
	Icon            string                `json:"icon"`
	TargetAmount    *float64              `json:"target_amount,omitempty"`
	TargetDate      *time.Time            `json:"target_date,omitempty"`
	AnnualRate      *float64              `json:"annual_rate,omitempty"`
	InterestEnabled bool                  `json:"interest_enabled"`
}

// UpdateSubAccountInput represents the input for updating a sub-account
type UpdateSubAccountInput struct {
	Name            string     `json:"name"`
	Icon            string     `json:"icon"`
	TargetAmount    *float64   `json:"target_amount,omitempty"`
	TargetDate      *time.Time `json:"target_date,omitempty"`
	AnnualRate      *float64   `json:"annual_rate,omitempty"`
	InterestEnabled *bool      `json:"interest_enabled,omitempty"`
}

// SubAccountService handles business logic for sub-accounts
// Feature: financial-core-upgrade
// Validates: Requirements 1.1, 1.4, 1.6, 1.7
type SubAccountService struct {
	repo *repository.AccountRepository
	db   *gorm.DB
}

// NewSubAccountService creates a new SubAccountService instance
func NewSubAccountService(repo *repository.AccountRepository, db *gorm.DB) *SubAccountService {
	return &SubAccountService{
		repo: repo,
		db:   db,
	}
}

// ValidateParentAccount ensures the parent account exists and is not itself a sub-account
func (s *SubAccountService) ValidateParentAccount(userID uint, parentID uint) error {
	parent, err := s.repo.GetByID(userID, parentID)
	if err != nil {
		if errors.Is(err, repository.ErrAccountNotFound) {
			return ErrParentAccountNotFound
		}
		return fmt.Errorf("failed to get parent account: %w", err)
	}

	// Check if parent is already a sub-account (max depth = 1)
	if parent.ParentAccountID != nil {
		return ErrParentIsSubAccount
	}

	return nil
}

// ListSubAccounts retrieves all sub-accounts for a parent account
func (s *SubAccountService) ListSubAccounts(userID uint, parentID uint) ([]models.Account, error) {
	// Validate parent account exists
	if err := s.ValidateParentAccount(userID, parentID); err != nil {
		return nil, err
	}

	var subAccounts []models.Account
	err := s.db.Where("parent_account_id = ?", parentID).
		Order("sort_order ASC, created_at ASC").
		Find(&subAccounts).Error
	if err != nil {
		return nil, fmt.Errorf("failed to list sub-accounts: %w", err)
	}

	return subAccounts, nil
}

// CreateSubAccount creates a new sub-account under a parent account
func (s *SubAccountService) CreateSubAccount(userID uint, parentID uint, input CreateSubAccountInput) (*models.Account, error) {
	// Validate parent account
	if err := s.ValidateParentAccount(userID, parentID); err != nil {
		return nil, err
	}

	// Validate sub-account type
	if !isValidSubAccountType(input.SubAccountType) {
		return nil, ErrInvalidSubAccountType
	}

	// Get parent account for currency default
	parent, err := s.repo.GetByID(userID, parentID)
	if err != nil {
		return nil, fmt.Errorf("failed to get parent account: %w", err)
	}

	// Set default currency from parent if not provided
	currency := models.Currency(input.Currency)
	if currency == "" {
		currency = parent.Currency
	}

	// Create sub-account
	subAccountType := input.SubAccountType
	subAccount := &models.Account{
		UserID:          userID,
		Name:            input.Name,
		Type:            parent.Type, // Inherit type from parent
		Balance:         input.Balance,
		Currency:        currency,
		Icon:            input.Icon,
		ParentAccountID: &parentID,
		SubAccountType:  &subAccountType,
		TargetAmount:    input.TargetAmount,
		TargetDate:      input.TargetDate,
		AnnualRate:      input.AnnualRate,
		InterestEnabled: input.InterestEnabled,
	}

	// For savings pot, initialize frozen balance on parent
	if input.SubAccountType == models.SubAccountTypeSavingsPot && input.Balance > 0 {
		// Use transaction to ensure atomicity
		err = s.db.Transaction(func(tx *gorm.DB) error {
			// Check if parent has enough available balance
			if parent.AvailableBalance < input.Balance {
				return ErrSavingsPotDepositLimit
			}

			// Update parent account balances
			parent.AvailableBalance -= input.Balance
			parent.FrozenBalance += input.Balance
			if err := tx.Save(parent).Error; err != nil {
				return fmt.Errorf("failed to update parent account: %w", err)
			}

			// Create sub-account
			if err := tx.Create(subAccount).Error; err != nil {
				return fmt.Errorf("failed to create sub-account: %w", err)
			}

			return nil
		})
		if err != nil {
			return nil, err
		}
	} else {
		// For non-savings pot, just create the sub-account
		if err := s.db.Create(subAccount).Error; err != nil {
			return nil, fmt.Errorf("failed to create sub-account: %w", err)
		}
	}

	return subAccount, nil
}

// UpdateSubAccount updates an existing sub-account
func (s *SubAccountService) UpdateSubAccount(userID uint, parentID, subID uint, input UpdateSubAccountInput) (*models.Account, error) {
	// Validate parent account
	if err := s.ValidateParentAccount(userID, parentID); err != nil {
		return nil, err
	}

	// Get sub-account
	var subAccount models.Account
	err := s.db.First(&subAccount, subID).Error
	if err != nil {
		if errors.Is(err, gorm.ErrRecordNotFound) {
			return nil, ErrSubAccountNotFound
		}
		return nil, fmt.Errorf("failed to get sub-account: %w", err)
	}

	// Verify sub-account belongs to parent
	if subAccount.ParentAccountID == nil || *subAccount.ParentAccountID != parentID {
		return nil, ErrSubAccountNotBelongTo
	}

	// Update fields
	if input.Name != "" {
		subAccount.Name = input.Name
	}
	if input.Icon != "" {
		subAccount.Icon = input.Icon
	}
	if input.TargetAmount != nil {
		subAccount.TargetAmount = input.TargetAmount
	}
	if input.TargetDate != nil {
		subAccount.TargetDate = input.TargetDate
	}
	if input.AnnualRate != nil {
		subAccount.AnnualRate = input.AnnualRate
	}
	if input.InterestEnabled != nil {
		subAccount.InterestEnabled = *input.InterestEnabled
	}

	if err := s.db.Save(&subAccount).Error; err != nil {
		return nil, fmt.Errorf("failed to update sub-account: %w", err)
	}

	return &subAccount, nil
}

// DeleteSubAccount deletes a sub-account and transfers balance back to parent
func (s *SubAccountService) DeleteSubAccount(userID uint, parentID, subID uint) error {
	// Validate parent account
	if err := s.ValidateParentAccount(userID, parentID); err != nil {
		return err
	}

	return s.db.Transaction(func(tx *gorm.DB) error {
		// Get sub-account
		var subAccount models.Account
		err := tx.First(&subAccount, subID).Error
		if err != nil {
			if errors.Is(err, gorm.ErrRecordNotFound) {
				return ErrSubAccountNotFound
			}
			return fmt.Errorf("failed to get sub-account: %w", err)
		}

		// Verify sub-account belongs to parent
		if subAccount.ParentAccountID == nil || *subAccount.ParentAccountID != parentID {
			return ErrSubAccountNotBelongTo
		}

		// Get parent account
		var parent models.Account
		if err := tx.First(&parent, parentID).Error; err != nil {
			return fmt.Errorf("failed to get parent account: %w", err)
		}

		// Transfer balance back to parent
		if subAccount.Balance > 0 {
			if subAccount.SubAccountType != nil && *subAccount.SubAccountType == models.SubAccountTypeSavingsPot {
				// For savings pot, move from frozen to available
				parent.FrozenBalance -= subAccount.Balance
				parent.AvailableBalance += subAccount.Balance
			} else {
				// For other sub-accounts, add to available balance
				parent.AvailableBalance += subAccount.Balance
			}

			if err := tx.Save(&parent).Error; err != nil {
				return fmt.Errorf("failed to update parent account: %w", err)
			}
		}

		// Delete sub-account
		if err := tx.Delete(&subAccount).Error; err != nil {
			return fmt.Errorf("failed to delete sub-account: %w", err)
		}

		return nil
	})
}

// GetSubAccount retrieves a specific sub-account
func (s *SubAccountService) GetSubAccount(userID uint, parentID, subID uint) (*models.Account, error) {
	// Validate parent account
	if err := s.ValidateParentAccount(userID, parentID); err != nil {
		return nil, err
	}

	var subAccount models.Account
	err := s.db.First(&subAccount, subID).Error
	if err != nil {
		if errors.Is(err, gorm.ErrRecordNotFound) {
			return nil, ErrSubAccountNotFound
		}
		return nil, fmt.Errorf("failed to get sub-account: %w", err)
	}

	// Verify sub-account belongs to parent
	if subAccount.ParentAccountID == nil || *subAccount.ParentAccountID != parentID {
		return nil, ErrSubAccountNotBelongTo
	}

	return &subAccount, nil
}

// isValidSubAccountType checks if the sub-account type is valid
func isValidSubAccountType(t models.SubAccountType) bool {
	switch t {
	case models.SubAccountTypeSavingsPot,
		models.SubAccountTypeMoneyFund,
		models.SubAccountTypeInvestment:
		return true
	default:
		return false
	}
}