Implement banking system features and enhancements

- Added banking mode with checking, savings, and charity accounts, including auto-split options for income. - Introduced banking transaction management, including transfers and charity outflows. - Updated family settings to allow configuration of banking features and interest rates. - Enhanced data export functionality to include bank transactions. - Improved user interface to display banking information and donation goals. - Updated documentation to reflect new banking features and settings.
2026-03-31 11:03:53 -05:00
parent f14de0b7e1
commit 6d10cb4726
21 changed files with 1337 additions and 41 deletions
@@ -0,0 +1,88 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can adjust checking balances'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$personId = trim((string) ($body['person_id'] ?? ''));
+$type = trim((string) ($body['type'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'manual');
+$amountRaw = $body['amount'] ?? null;
+
+if ($personId === '') {
+    sendJson(['success' => false, 'error' => 'person_id is required'], 400);
+}
+if (!in_array($type, ['credit', 'debit'], true)) {
+    sendJson(['success' => false, 'error' => 'type must be credit or debit'], 400);
+}
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+
+$targetIdx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $targetIdx = $i;
+        break;
+    }
+}
+if ($targetIdx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$allocations = ['checking' => 0.0, 'savings' => 0.0, 'charity' => 0.0, 'roundup' => 0.0];
+if ($type === 'credit') {
+    $result = bankingCreditCheckingByRule($people[$targetIdx], $amount, $settings);
+    $people[$targetIdx] = $result['person'];
+    $allocations = $result['allocations'];
+} else {
+    $checking = (float) ($people[$targetIdx]['checking_balance'] ?? 0);
+    if ($checking < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient checking balance'], 400);
+    }
+    $people[$targetIdx]['checking_balance'] = bankingRoundMoney($checking - $amount);
+    $people[$targetIdx]['currency_balance'] = $people[$targetIdx]['checking_balance'];
+    $allocations['checking'] = -$amount;
+}
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'manual_' . $type,
+    'person_id' => $personId,
+    'amount' => $amount,
+    'allocations' => $allocations,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved balances but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$targetIdx]]);