boursecu_server/app/Services/GoldCreditService.php

<?php

namespace App\Services;

use App\Models\Customer;
use App\Models\GoldCredit;
use App\Models\GoldCreditInstallment;
use App\Models\GoldCreditRequest;
use App\Models\Price;
use App\Models\User;
use App\Models\Withdraw;
use Carbon\Carbon;
use Illuminate\Support\Facades\DB;
use Illuminate\Support\Facades\Log;
use Illuminate\Support\Facades\Schema;
use Rooyesh\Wallet\interfaces\TransactionInterface;
use Rooyesh\Wallet\interfaces\WalletInterface;
use Rooyesh\Wallet\models\Wallet;
use Symfony\Component\HttpKernel\Exception\UnprocessableEntityHttpException;

class GoldCreditService
{
    public function buildInstallmentPlan(
        float $goldAmount,
        int $months,
        string $interestType = 'none',
        float $interestValue = 0
    ): array {
        if ($months < 1) {
            throw new UnprocessableEntityHttpException('تعداد ماه باید حداقل ۱ باشد');
        }
        if ($goldAmount <= 0) {
            throw new UnprocessableEntityHttpException('مقدار طلا باید بیشتر از صفر باشد');
        }

        $totalSoot = (int) round($goldAmount * 1000);
        $baseSootPerMonth = intdiv($totalSoot, $months);
        $remainder = $totalSoot - ($baseSootPerMonth * $months);

        $totalInterestGold = $this->calculateTotalInterest($goldAmount, $months, $interestType, $interestValue);
        $interestPerMonth = $months > 0 ? $totalInterestGold / $months : 0;

        $installments = [];
        for ($i = 1; $i <= $months; $i++) {
            $soot = $baseSootPerMonth + ($i === $months ? $remainder : 0);
            $principalGold = $soot / 1000;
            $interestGold = round($interestPerMonth, 6);
            $installments[] = [
                'installment_number' => $i,
                'amount_soot' => $soot,
                'principal_gold' => $principalGold,
                'interest_gold' => $interestGold,
                'total_gold' => round($principalGold + $interestGold, 6),
            ];
        }

        return [
            'installments' => $installments,
            'total_interest_gold' => round($totalInterestGold, 6),
            'total_payable_gold' => round($goldAmount + $totalInterestGold, 6),
        ];
    }

    public function createCredit(array $data, ?int $adminId = null, string $source = 'admin_direct'): GoldCredit
    {
        $customer = Customer::findOrFail($data['customer_id']);
        $active = GoldCredit::where('customer_id', $customer->id)
            ->whereIn('status', ['pending', 'active'])
            ->exists();
        if ($active) {
            throw new UnprocessableEntityHttpException('این کاربر اعتبار فعال دارد');
        }

        $plan = $this->buildInstallmentPlan(
            (float) $data['gold_amount'],
            (int) $data['months'],
            $data['interest_type'] ?? 'none',
            (float) ($data['interest_value'] ?? 0)
        );

        return DB::transaction(function () use ($data, $adminId, $source, $customer, $plan) {
            $cfg = app(ConfigService::class);
            $credit = GoldCredit::create([
                'customer_id' => $customer->id,
                'gold_amount' => $data['gold_amount'],
                'months' => $data['months'],
                'interest_type' => $data['interest_type'] ?? 'none',
                'interest_value' => $data['interest_value'] ?? 0,
                'delivery_method' => $data['delivery_method'] ?? 'manual',
                'status' => 'active',
                'source' => $source,
                'total_interest_gold' => $plan['total_interest_gold'],
                'total_payable_gold' => $plan['total_payable_gold'],
                'created_by' => $adminId,
                'notes' => $data['notes'] ?? null,
                'has_check' => (bool) ($data['has_check'] ?? false),
                'has_contract' => (bool) ($data['has_contract'] ?? false),
                'check_note' => $data['check_note'] ?? null,
                'contract_note' => $data['contract_note'] ?? null,
                'penalty_type' => $data['penalty_type'] ?? $cfg->get('gold_credit_penalty_type', 'rial'),
                'penalty_amount' => $data['penalty_amount'] ?? $cfg->get('gold_credit_penalty_amount', '1000000'),
                'grace_hours' => $data['grace_hours'] ?? $cfg->getInt('gold_credit_grace_hours', 24),
            ]);

            $startDate = Carbon::now();
            foreach ($plan['installments'] as $item) {
                GoldCreditInstallment::create([
                    'gold_credit_id' => $credit->id,
                    'installment_number' => $item['installment_number'],
                    'due_date' => $startDate->copy()->addMonths($item['installment_number'])->toDateString(),
                    'amount_soot' => $item['amount_soot'],
                    'principal_gold' => $item['principal_gold'],
                    'interest_gold' => $item['interest_gold'],
                    'total_gold' => $item['total_gold'],
                    'status' => 'pending',
                ]);
            }

            if (($data['delivery_method'] ?? 'manual') === 'auto') {
                $this->deliverCredit($credit, $adminId, $data['notes'] ?? 'اعتبار طلایی');
            }

            return $credit->load('installments', 'customer');
        });
    }

    public function deliverCredit(GoldCredit $credit, ?int $adminId, string $note = 'اعتبار طلایی'): void
    {
        $customer = Customer::findOrFail($credit->customer_id);
        $walletOwnerType = $customer->resolveWalletOwnerType();
        $walletInterface = new WalletInterface($customer->id, $walletOwnerType);

        $withdraw = Withdraw::create([
            'user_id' => $adminId,
            'customer_id' => $customer->id,
            'gold' => $credit->gold_amount,
            'note' => $note,
            'sts' => 4,
        ]);

        new TransactionInterface($walletInterface, [
            'cash' => 0,
            'gold' => $credit->gold_amount,
            'expire_at' => now(),
            'note' => $note,
            'withdraw_id' => $withdraw->id,
            'active' => true,
        ], 7, true, false, 0);
    }

    public function approveRequest(int $requestId, array $creditData, int $adminId): GoldCredit
    {
        $request = GoldCreditRequest::where('status', 'pending')->findOrFail($requestId);
        $creditData['customer_id'] = $request->customer_id;
        if (!isset($creditData['gold_amount'])) {
            $creditData['gold_amount'] = $request->requested_gold;
        }
        if (!isset($creditData['months'])) {
            $creditData['months'] = $request->requested_months
                ?? (int) app(ConfigService::class)->getInt('gold_credit_default_months', 12);
        }

        return DB::transaction(function () use ($request, $creditData, $adminId) {
            $credit = $this->createCredit($creditData, $adminId, 'user_request');
            $request->update([
                'status' => 'approved',
                'gold_credit_id' => $credit->id,
                'admin_note' => $creditData['admin_note'] ?? $creditData['notes'] ?? null,
            ]);
            return $credit;
        });
    }

    public function rejectRequest(int $requestId, ?string $adminNote = null): GoldCreditRequest
    {
        $request = GoldCreditRequest::where('status', 'pending')->findOrFail($requestId);
        $request->update([
            'status' => 'rejected',
            'admin_note' => $adminNote,
        ]);
        return $request;
    }

    public function payInstallments(
        GoldCredit $credit,
        array $installmentIds,
        string $payMethod,
        ?float $goldAmount = null,
        ?int $rialAmount = null,
        ?int $adminId = null
    ): array {
        $installments = GoldCreditInstallment::where('gold_credit_id', $credit->id)
            ->whereIn('id', $installmentIds)
            ->orderBy('installment_number')
            ->get();

        if ($installments->isEmpty()) {
            throw new UnprocessableEntityHttpException('قسطی یافت نشد');
        }

        $this->assertSequentialPayable($credit, $installments);

        $totalDueGold = (float) $installments->sum(fn ($i) => (float) $i->total_gold + (float) $i->penalty_gold);
        $totalDueSoot = (int) $installments->sum('amount_soot');
        $totalPenaltyRial = (int) $installments->sum('penalty_rial');

        [$payGold, $payRial] = $this->resolvePaymentAmounts(
            $payMethod,
            $totalDueGold,
            $goldAmount,
            $rialAmount
        );
        $payRial += $totalPenaltyRial;

        $customer = Customer::findOrFail($credit->customer_id);
        $this->deductFromWallet($customer, $payGold, $payRial, $adminId);

        $now = now();
        foreach ($installments as $installment) {
            $isPrepaid = $installment->due_date->isFuture();
            $installment->update([
                'paid_gold' => (float) $installment->total_gold + (float) $installment->penalty_gold,
                'paid_rial' => (int) $installment->penalty_rial,
                'status' => $isPrepaid ? 'prepaid' : 'paid',
                'paid_at' => $now,
            ]);
        }

        $credit->increment('paid_gold', $totalDueGold);
        $credit->increment('paid_rial', $payRial);

        $remaining = GoldCreditInstallment::where('gold_credit_id', $credit->id)
            ->whereIn('status', ['pending', 'partial', 'overdue'])
            ->count();
        if ($remaining === 0) {
            $credit->update(['status' => 'completed']);
        }

        $this->refreshOverdueStatuses($credit);

        $this->notifyAdminsPayment($customer, $credit, $installments, $totalDueSoot, $payGold, $payRial);

        return [
            'paid_installments' => $installments->pluck('id'),
            'total_soot' => $totalDueSoot,
            'paid_gold' => $payGold,
            'paid_rial' => $payRial,
        ];
    }

    public function refreshOverdueStatuses(GoldCredit $credit): void
    {
        GoldCreditInstallment::where('gold_credit_id', $credit->id)
            ->where('status', 'pending')
            ->where('due_date', '<', now()->toDateString())
            ->update(['status' => 'overdue']);
    }

    public function updateCredit(int $creditId, array $data): GoldCredit
    {
        $credit = GoldCredit::with('installments')->findOrFail($creditId);
        if (!in_array($credit->status, ['pending', 'active'], true)) {
            throw new UnprocessableEntityHttpException('فقط اعتبارهای فعال قابل ویرایش هستند');
        }

        if (isset($data['notes'])) {
            $credit->notes = $data['notes'];
        }
        foreach (['has_check', 'has_contract'] as $boolField) {
            if (array_key_exists($boolField, $data)) {
                $credit->{$boolField} = (bool) $data[$boolField];
            }
        }
        foreach (['check_note', 'contract_note', 'penalty_type'] as $textField) {
            if (array_key_exists($textField, $data)) {
                $credit->{$textField} = $data[$textField];
            }
        }
        if (array_key_exists('penalty_amount', $data)) {
            $credit->penalty_amount = $data['penalty_amount'];
        }
        if (array_key_exists('grace_hours', $data)) {
            $credit->grace_hours = $data['grace_hours'];
        }
        if (isset($data['status']) && in_array($data['status'], ['cancelled'], true)) {
            $credit->status = $data['status'];
            $credit->save();
            return $credit;
        }

        $needsRecalc = isset($data['gold_amount']) || isset($data['months'])
            || isset($data['interest_type']) || isset($data['interest_value']);

        if ($needsRecalc) {
            $paidNumbers = $credit->installments
                ->whereIn('status', ['paid', 'prepaid'])
                ->pluck('installment_number')
                ->toArray();
            if (count($paidNumbers) > 0) {
                throw new UnprocessableEntityHttpException('پس از پرداخت قسط، امکان تغییر مبلغ/مدت وجود ندارد');
            }

            $goldAmount = (float) ($data['gold_amount'] ?? $credit->gold_amount);
            $months = (int) ($data['months'] ?? $credit->months);
            $interestType = $data['interest_type'] ?? $credit->interest_type;
            $interestValue = (float) ($data['interest_value'] ?? $credit->interest_value);

            $plan = $this->buildInstallmentPlan($goldAmount, $months, $interestType, $interestValue);
            $credit->installments()->delete();

            $startDate = Carbon::parse($credit->created_at);
            foreach ($plan['installments'] as $item) {
                GoldCreditInstallment::create([
                    'gold_credit_id' => $credit->id,
                    'installment_number' => $item['installment_number'],
                    'due_date' => $startDate->copy()->addMonths($item['installment_number'])->toDateString(),
                    'amount_soot' => $item['amount_soot'],
                    'principal_gold' => $item['principal_gold'],
                    'interest_gold' => $item['interest_gold'],
                    'total_gold' => $item['total_gold'],
                    'status' => 'pending',
                ]);
            }

            $credit->fill([
                'gold_amount' => $goldAmount,
                'months' => $months,
                'interest_type' => $interestType,
                'interest_value' => $interestValue,
                'total_interest_gold' => $plan['total_interest_gold'],
                'total_payable_gold' => $plan['total_payable_gold'],
            ]);
        }

        $credit->save();
        return $credit->fresh(['installments', 'customer']);
    }

    public function getGramPriceRial(): int
    {
        $price = Price::query()->orderByDesc('id')->value('price');
        return (int) ($price ?? 0);
    }

    /**
     * هشدار SMS در سررسید + جریمه روزانه پس از مهلت (grace) + یادآوری ۱ و ۳ روز قبل.
     * پرداخت خودکار نیست — فقط بدهی جریمه اضافه می‌شود.
     *
     * @return array{warnings:int,penalties:int,reminders:int}
     */
    public function processOverdueInstallments(): array
    {
        $cfg = app(ConfigService::class);
        if (! $cfg->isGoldCreditEnabled() || ! Schema::hasTable('gold_credit_installments')) {
            return ['warnings' => 0, 'penalties' => 0, 'reminders' => 0];
        }

        $smsEnabled = $cfg->getBool('gold_credit_overdue_sms_enabled', true);
        $warnings = 0;
        $penalties = 0;
        $reminders = $this->processUpcomingDueReminders();

        $installments = GoldCreditInstallment::with(['goldCredit.customer'])
            ->whereIn('status', ['pending', 'overdue'])
            ->where('due_date', '<=', now()->toDateString())
            ->get();

        foreach ($installments as $installment) {
            $credit = $installment->goldCredit;
            if (!$credit || $credit->status !== 'active') {
                continue;
            }

            if ($installment->status === 'pending') {
                $installment->status = 'overdue';
                $installment->save();
            }

            if ($smsEnabled && !$installment->warning_sms_sent_at) {
                $this->sendOverdueWarningSms($installment);
                $installment->warning_sms_sent_at = now();
                $installment->save();
                $warnings++;
            }

            if ($this->applyDailyPenaltyIfDue($installment, $credit)) {
                $penalties++;
            }
        }

        return compact('warnings', 'penalties', 'reminders');
    }

    /** یادآوری ۳ روز و ۱ روز مانده به سررسید — برای مشتری و ادمین */
    public function processUpcomingDueReminders(): int
    {
        $cfg = app(ConfigService::class);
        if (!$cfg->getBool('gold_credit_upcoming_sms_enabled', true)) {
            return 0;
        }

        $sent = 0;
        $today = now()->startOfDay();

        foreach ([3 => 'reminder_3d_sent_at', 1 => 'reminder_1d_sent_at'] as $days => $field) {
            $targetDate = $today->copy()->addDays($days)->toDateString();
            $installments = GoldCreditInstallment::with(['goldCredit.customer'])
                ->where('status', 'pending')
                ->whereNull($field)
                ->whereDate('due_date', $targetDate)
                ->get();

            foreach ($installments as $installment) {
                $credit = $installment->goldCredit;
                if (!$credit || $credit->status !== 'active') {
                    continue;
                }
                $this->sendUpcomingReminderSms($installment, $days);
                $installment->{$field} = now();
                $installment->save();
                $sent++;
            }
        }

        return $sent;
    }

    public function notifyAdminsLoanRequest(GoldCreditRequest $request): void
    {
        $cfg = app(ConfigService::class);
        if (!$cfg->getBool('gold_credit_admin_sms_enabled', true)) {
            return;
        }

        $customer = Customer::find($request->customer_id);
        $company = $cfg->get('name_fa', '');
        $message = sprintf(
            "درخواست اعتبار طلایی جدید\nمشتری: %s\nموبایل: %s\nمقدار: %s گرم\nمدت: %s ماه\n%s",
            $customer->name ?? '-',
            $customer->mobile ?? '-',
            $request->requested_gold,
            $request->requested_months ?? '-',
            $company
        );
        $this->notifyAdminsSms($message, 'gold_credit_request');
    }

    private function notifyAdminsPayment(
        Customer $customer,
        GoldCredit $credit,
        $installments,
        int $totalSoot,
        float $payGold,
        int $payRial
    ): void {
        $cfg = app(ConfigService::class);
        if (!$cfg->getBool('gold_credit_admin_sms_enabled', true)) {
            return;
        }

        $numbers = $installments->pluck('installment_number')->implode(',');
        $company = $cfg->get('name_fa', '');
        $message = sprintf(
            "پرداخت قسط اعتبار طلایی\nمشتری: %s\nموبایل: %s\nاقساط: %s\nمبلغ: %s سوت\nطلا: %s گرم / ریال: %s\n%s",
            $customer->name ?? '-',
            $customer->mobile ?? '-',
            $numbers,
            number_format($totalSoot),
            $payGold,
            number_format($payRial),
            $company
        );
        $this->notifyAdminsSms($message, 'gold_credit_payment');
    }

    private function notifyAdminsSms(string $message, string $source): void
    {
        User::where('send_sms', 1)->get()->each(function ($admin) use ($message, $source) {
            if (!$admin->mobile) {
                return;
            }
            try {
                app(\App\Services\SmsBilling\SmsGatewayService::class)
                    ->send($admin->mobile, $message, $source);
            } catch (\Throwable $e) {
                Log::warning('gold credit admin sms failed', [
                    'admin_id' => $admin->id,
                    'source' => $source,
                    'error' => $e->getMessage(),
                ]);
            }
        });
    }

    private function sendUpcomingReminderSms(GoldCreditInstallment $installment, int $daysLeft): void
    {
        $customer = $installment->goldCredit?->customer;
        $cfg = app(ConfigService::class);
        $company = $cfg->get('name_fa', '');
        $soot = number_format((int) $installment->amount_soot);

        $customerMsg = sprintf(
            "%s عزیز، %d روز تا سررسید قسط شماره %d اعتبار طلایی باقی مانده است.\nمبلغ قسط: %s سوت\nلطفاً از بخش اعتبار طلایی پرداخت کنید.\n%s",
            $customer->name ?? 'کاربر',
            $daysLeft,
            $installment->installment_number,
            $soot,
            $company
        );

        if ($customer?->mobile) {
            try {
                app(\App\Services\SmsBilling\SmsGatewayService::class)
                    ->send($customer->mobile, $customerMsg, 'gold_credit_upcoming');
            } catch (\Throwable $e) {
                Log::warning('gold credit upcoming sms failed', [
                    'installment_id' => $installment->id,
                    'error' => $e->getMessage(),
                ]);
            }
        }

        if ($cfg->getBool('gold_credit_admin_sms_enabled', true)) {
            $adminMsg = sprintf(
                "اخطار سررسید اعتبار طلایی\n%d روز مانده\nمشتری: %s\nموبایل: %s\nقسط %d — %s سوت\n%s",
                $daysLeft,
                $customer->name ?? '-',
                $customer->mobile ?? '-',
                $installment->installment_number,
                $soot,
                $company
            );
            $this->notifyAdminsSms($adminMsg, 'gold_credit_upcoming_admin');
        }
    }

    public function resolvePenaltyConfig(GoldCredit $credit): array
    {
        $cfg = app(ConfigService::class);
        $type = $credit->penalty_type ?: $cfg->get('gold_credit_penalty_type', 'rial');
        $type = in_array($type, ['rial', 'gold'], true) ? $type : 'rial';
        $amount = $credit->penalty_amount !== null
            ? (float) $credit->penalty_amount
            : (float) $cfg->get('gold_credit_penalty_amount', '1000000');
        $grace = $credit->grace_hours !== null
            ? (int) $credit->grace_hours
            : $cfg->getInt('gold_credit_grace_hours', 24);

        return [
            'type' => $type,
            'amount' => $amount,
            'grace_hours' => max(0, $grace),
        ];
    }

    private function sendOverdueWarningSms(GoldCreditInstallment $installment): void
    {
        $customer = $installment->goldCredit?->customer;
        if (!$customer?->mobile) {
            return;
        }

        $cfg = app(ConfigService::class);
        $grace = $this->resolvePenaltyConfig($installment->goldCredit)['grace_hours'];
        $penalty = $this->resolvePenaltyConfig($installment->goldCredit);
        $penaltyLabel = $penalty['type'] === 'gold'
            ? number_format($penalty['amount'], 4) . ' گرم طلا'
            : number_format((int) $penalty['amount']) . ' ریال';

        $template = $cfg->get(
            'gold_credit_overdue_sms_text',
            'قسط شماره {n} سررسید شده است. در صورت عدم پرداخت تا {hours} ساعت آینده، روزانه {penalty} به بدهی شما اضافه می‌شود.'
        );
        $message = str_replace(
            ['{n}', '{hours}', '{penalty}', '{name}'],
            [
                (string) $installment->installment_number,
                (string) $grace,
                $penaltyLabel,
                $customer->name ?? '',
            ],
            (string) $template
        );
        $message .= "\n" . $cfg->get('name_fa', '');

        try {
            app(\App\Services\SmsBilling\SmsGatewayService::class)
                ->send($customer->mobile, $message, 'gold_credit_overdue');
        } catch (\Throwable $e) {
            \Illuminate\Support\Facades\Log::warning('gold credit overdue sms failed', [
                'installment_id' => $installment->id,
                'error' => $e->getMessage(),
            ]);
        }
    }

    private function applyDailyPenaltyIfDue(GoldCreditInstallment $installment, GoldCredit $credit): bool
    {
        if (!$installment->warning_sms_sent_at) {
            return false;
        }

        $config = $this->resolvePenaltyConfig($credit);
        $graceEnds = Carbon::parse($installment->warning_sms_sent_at)->addHours($config['grace_hours']);
        if (now()->lt($graceEnds)) {
            return false;
        }

        if (!$installment->penalty_started_at) {
            $installment->penalty_started_at = now();
        }

        $last = $installment->last_penalty_at
            ? Carbon::parse($installment->last_penalty_at)->startOfDay()
            : null;
        $today = now()->startOfDay();
        if ($last && $last->equalTo($today)) {
            return false;
        }

        if ($config['type'] === 'gold') {
            $installment->penalty_gold = round((float) $installment->penalty_gold + $config['amount'], 6);
        } else {
            $installment->penalty_rial = (int) $installment->penalty_rial + (int) round($config['amount']);
        }
        $installment->penalty_days = (int) $installment->penalty_days + 1;
        $installment->last_penalty_at = now();
        $installment->status = 'overdue';
        $installment->save();

        return true;
    }

    private function calculateTotalInterest(
        float $goldAmount,
        int $months,
        string $interestType,
        float $interestValue
    ): float {
        return match ($interestType) {
            'percent' => round($goldAmount * ($interestValue / 100) * $months, 6),
            'fixed_gram' => round($interestValue * $months, 6),
            default => 0,
        };
    }

    private function assertSequentialPayable(GoldCredit $credit, $installments): void
    {
        $allPending = GoldCreditInstallment::where('gold_credit_id', $credit->id)
            ->whereIn('status', ['pending', 'overdue', 'partial'])
            ->orderBy('installment_number')
            ->get();

        $expectedIds = $allPending->take($installments->count())->pluck('id')->sort()->values();
        $actualIds = $installments->pluck('id')->sort()->values();

        if ($expectedIds->toArray() !== $actualIds->toArray()) {
            throw new UnprocessableEntityHttpException('اقساط باید به ترتیب و بدون پرش پرداخت شوند');
        }

        foreach ($installments as $installment) {
            if (!in_array($installment->status, ['pending', 'overdue', 'partial'], true)) {
                throw new UnprocessableEntityHttpException('یکی از اقساط انتخاب‌شده قبلاً پرداخت شده است');
            }
        }
    }

    private function resolvePaymentAmounts(
        string $payMethod,
        float $totalDueGold,
        ?float $goldAmount,
        ?int $rialAmount
    ): array {
        return match ($payMethod) {
            'gold' => [$totalDueGold, 0],
            'rial' => [0, $this->goldToRial($totalDueGold)],
            'mixed' => [
                (float) ($goldAmount ?? 0),
                (int) ($rialAmount ?? 0),
            ],
            default => throw new UnprocessableEntityHttpException('روش پرداخت نامعتبر است'),
        };
    }

    public function defaultTiers(): array
    {
        return [
            ['min_gram' => 0.5, 'max_gram' => 1, 'credit_gram' => 3, 'monthly_soot' => 250, 'months' => 12],
            ['min_gram' => 1, 'max_gram' => 2, 'credit_gram' => 4, 'monthly_soot' => 333, 'months' => 12],
            ['min_gram' => 2, 'max_gram' => 3, 'credit_gram' => 5, 'monthly_soot' => 417, 'months' => 12],
        ];
    }

    public function getTiers(): array
    {
        $cfg = app(ConfigService::class);
        $raw = $cfg->getString('gold_credit_tiers', '');
        if ($raw === '') {
            return $this->defaultTiers();
        }
        $decoded = json_decode($raw, true);
        if (!is_array($decoded) || count($decoded) === 0) {
            return $this->defaultTiers();
        }
        return array_values(array_map(function ($tier) {
            return [
                'min_gram' => (float) ($tier['min_gram'] ?? 0),
                'max_gram' => (float) ($tier['max_gram'] ?? 0),
                'credit_gram' => (float) ($tier['credit_gram'] ?? 0),
                'monthly_soot' => (int) ($tier['monthly_soot'] ?? 0),
                'months' => (int) ($tier['months'] ?? 12),
            ];
        }, $decoded));
    }

    public function resolveTierForBalance(float $goldBalance): ?array
    {
        $tiers = $this->getTiers();
        $count = count($tiers);
        foreach ($tiers as $i => $tier) {
            $min = (float) $tier['min_gram'];
            $max = (float) $tier['max_gram'];
            $isLast = $i === $count - 1;
            if ($goldBalance >= $min && ($isLast ? $goldBalance <= $max : $goldBalance < $max)) {
                return $tier;
            }
        }
        return null;
    }

    public function getCustomerGoldBalance(int $customerId): float
    {
        $customer = Customer::findOrFail($customerId);
        $walletOwnerType = $customer->resolveWalletOwnerType();
        $wallet = Wallet::where('owner', $customerId)
            ->where('owner_type', $walletOwnerType)
            ->whereNull('fund_id')
            ->whereNull('product_id')
            ->first();

        return round((float) ($wallet->gold ?? 0), 4);
    }

    public function getPublicConfig(): array
    {
        $cfg = app(ConfigService::class);
        $defaultInfo = "اعتبار طلایی بر اساس موجودی طلای شما در قلک اعطا می‌شود.\n"
            . "• کاربران با موجودی ۵۰۰ سوت تا ۱ گرم: ۳ گرم اعتبار — بازپرداخت ماهانه ۲۵۰ سوت\n"
            . "• کاربران با موجودی ۱ تا ۲ گرم: ۴ گرم اعتبار — بازپرداخت ماهانه ۳۳۳ سوت\n"
            . "• کاربران با موجودی ۲ تا ۳ گرم: ۵ گرم اعتبار — بازپرداخت ماهانه ۴۱۷ سوت\n"
            . "بازپرداخت همه طرح‌ها ۱۲ ماهه است.";
        $defaultSuccess = 'درخواست شما ثبت شد و در حال بررسی است. تا ۲۴ ساعت آینده با شما تماس گرفته می‌شود و توضیحات تکمیلی توسط کارشناس ارائه خواهد شد.';

        return [
            'min_balance_gram' => (float) $cfg->get('gold_credit_min_balance_gram', '0.5'),
            'info_text' => $cfg->getString('gold_credit_info_text', $defaultInfo),
            'request_success_text' => $cfg->getString('gold_credit_request_success_text', $defaultSuccess),
            'default_months' => $cfg->getInt('gold_credit_default_months', 12),
            'pay_methods' => [
                'gold' => $cfg->getBool('gold_credit_pay_gold_enabled', true),
                'rial' => $cfg->getBool('gold_credit_pay_rial_enabled', false),
                'mixed' => $cfg->getBool('gold_credit_pay_mixed_enabled', false),
            ],
            'tiers' => $this->getTiers(),
        ];
    }

    public function assertPayMethodAllowed(string $payMethod): void
    {
        $methods = $this->getPublicConfig()['pay_methods'];
        if (empty($methods[$payMethod])) {
            throw new UnprocessableEntityHttpException('این روش پرداخت فعال نیست');
        }
    }

    private function goldToRial(float $gold): int
    {
        $gramPrice = $this->getGramPriceRial();
        if ($gramPrice <= 0) {
            throw new UnprocessableEntityHttpException('قیمت طلا در دسترس نیست');
        }
        return (int) ceil($gold * $gramPrice);
    }

    private function deductFromWallet(Customer $customer, float $payGold, int $payRial, ?int $adminId): void
    {
        $walletOwnerType = $customer->resolveWalletOwnerType();
        $wallet = Wallet::where('owner', $customer->id)
            ->where('owner_type', $walletOwnerType)
            ->whereNull('fund_id')
            ->whereNull('product_id')
            ->first();

        if ($payGold > 0) {
            $available = $wallet ? (float) $wallet->gold : 0;
            if ($payGold > $available) {
                throw new UnprocessableEntityHttpException('موجودی طلای کیف پول کافی نیست');
            }
        }

        if ($payRial > 0) {
            $mainWallet = app(MainWalletProductService::class);
            foreach (app(ConfigService::class)->mainWalletProductIds() as $productId) {
                $mainWallet->consolidateOrphanedForOwner($customer->id, $walletOwnerType, (int) $productId);
            }
            $availableCash = $mainWallet->effectiveMainWalletCash($customer->id, $walletOwnerType);
            if ($payRial > $availableCash) {
                throw new UnprocessableEntityHttpException('موجودی ریالی کیف پول کافی نیست');
            }
        }

        $walletInterface = new WalletInterface($customer->id, $walletOwnerType);
        $note = 'بازپرداخت اعتبار طلایی';

        if ($payGold > 0) {
            $withdraw = Withdraw::create([
                'user_id' => $adminId,
                'customer_id' => $customer->id,
                'gold' => -$payGold,
                'note' => $note,
                'sts' => 4,
            ]);
            new TransactionInterface($walletInterface, [
                'cash' => 0,
                'gold' => -$payGold,
                'expire_at' => now(),
                'note' => $note,
                'withdraw_id' => $withdraw->id,
                'active' => true,
            ], 7, false, false, 0);
        }

        if ($payRial > 0) {
            $withdraw = Withdraw::create([
                'user_id' => $adminId,
                'customer_id' => $customer->id,
                'cash' => -$payRial,
                'note' => $note,
                'sts' => 4,
            ]);
            new TransactionInterface($walletInterface, [
                'cash' => -$payRial,
                'gold' => 0,
                'expire_at' => now(),
                'note' => $note,
                'withdraw_id' => $withdraw->id,
                'active' => true,
            ], 4, false, false);
        }
    }
}