api_arrahn/app/Services/PembiayaanOnline/PembiayaanOnlineService.php

<?php

namespace App\Services\PembiayaanOnline;

use App\ARFiles;
use App\Bank;
use App\BatchPembiayaanOnline;
use App\Cawangan;
use App\Customer;
use App\Gadai;
use App\PembiayaanOnline;
use Carbon\Carbon;
use Illuminate\Support\Facades\DB;
use Illuminate\Support\Facades\Log;

class PembiayaanOnlineService
{
    const MIN_PINJAMAN = 5000.00;
    const MAX_PINJAMAN = 50000.00;
    const PC_QUEUE_STATUSES = ['PENDING_PC', 'REJECTED_PC'];

    protected $modalOnlineService;

    public function __construct(ModalOnlineService $modalOnlineService = null)
    {
        $this->modalOnlineService = $modalOnlineService ?: new ModalOnlineService();
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed,mysql?:string}
     */
    public function resolveMysql($kodcaw)
    {
        return $this->modalOnlineService->resolveMysql($kodcaw);
    }

    protected function resolveNamaBank($kodbank)
    {
        if ($kodbank === null || $kodbank === '') {
            return null;
        }

        $bank = Bank::on('mysql7')->where('id', $kodbank)->first();
        if ($bank) {
            return $bank->bankdesc ?? $bank->nama ?? $bank->name ?? (string) $kodbank;
        }

        $bank = Bank::on('mysql7')->where('bankcode', $kodbank)->first();
        if ($bank) {
            return $bank->bankdesc ?? $bank->nama ?? (string) $kodbank;
        }

        return (string) $kodbank;
    }

    /**
     * Create online payout line: reserve float + PENDING_PC + gadai.cara_terima.
     *
     * @param array $data
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function store($kodcaw, array $data)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $norujukan = trim((string) ($data['norujukan'] ?? ''));
        $nokp = trim((string) ($data['nokp'] ?? ''));
        $pinjaman = round((float) ($data['pinjaman'] ?? 0), 2);
        $kodbank = $data['kodbank'] ?? null;
        $noakaun = trim((string) ($data['noakaun'] ?? ''));
        $createdBy = $data['created_by'] ?? null;
        $updateCustomerBank = array_key_exists('update_customer_bank', $data)
            ? (bool) $data['update_customer_bank']
            : true;

        if ($norujukan === '' || $nokp === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'norujukan dan nokp diperlukan'],
            ];
        }

        if ($pinjaman < self::MIN_PINJAMAN || $pinjaman > self::MAX_PINJAMAN) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => [
                    'message' => 'Pembiayaan online hanya untuk RM5,000 hingga RM50,000',
                    'pinjaman' => $pinjaman,
                ],
            ];
        }

        if ($kodbank === null || $kodbank === '' || $noakaun === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'kodbank dan noakaun diperlukan'],
            ];
        }

        $customer = Customer::on($mysql)
            ->where('kpbaru', $nokp)
            ->orWhere('kplama', $nokp)
            ->first();

        $namaPelanggan = $data['nama_pelanggan'] ?? ($customer->nama ?? null);
        $nopelanggan = $data['nopelanggan'] ?? ($customer->nopelanggan ?? null);
        $namaAkaun = $data['nama_akaun'] ?? $namaPelanggan;
        $namaBank = $data['nama_bank'] ?? $this->resolveNamaBank($kodbank);

        try {
            return DB::connection($mysql)->transaction(function () use (
                $mysql,
                $kodcaw,
                $norujukan,
                $nokp,
                $pinjaman,
                $kodbank,
                $noakaun,
                $namaBank,
                $namaAkaun,
                $namaPelanggan,
                $nopelanggan,
                $createdBy,
                $customer,
                $updateCustomerBank
            ) {
                $existing = PembiayaanOnline::on($mysql)
                    ->where('norujukan', $norujukan)
                    ->where('kodcaw', $kodcaw)
                    ->lockForUpdate()
                    ->first();

                if ($existing) {
                    return [
                        'ok' => false,
                        'status' => 409,
                        'payload' => [
                            'message' => 'Pembiayaan online untuk SAG ini sudah wujud',
                            'pembiayaan_online' => $existing,
                        ],
                    ];
                }

                $gadai = Gadai::on($mysql)
                    ->where('norujukan', '=', $norujukan)
                    ->lockForUpdate()
                    ->first();

                if (!$gadai) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => [
                            'message' => 'Rekod gadai tidak dijumpai',
                            'kodcaw' => $kodcaw,
                            'norujukan' => $norujukan,
                            'hint' => 'Pastikan SAG sudah wujud dalam DB cawangan ini (daftar gadai / Terima dulu).',
                        ],
                    ];
                }

                $reserve = $this->modalOnlineService->reserveAmountOnConnection($mysql, $kodcaw, $pinjaman);
                if (!$reserve['ok']) {
                    return $reserve;
                }

                $line = PembiayaanOnline::on($mysql)->create([
                    'norujukan' => $norujukan,
                    'nokp' => $nokp,
                    'nopelanggan' => $nopelanggan,
                    'nama_pelanggan' => $namaPelanggan,
                    'kodcaw' => $kodcaw,
                    'pinjaman' => $pinjaman,
                    'kodbank' => $kodbank,
                    'nama_bank' => $namaBank,
                    'noakaun' => $noakaun,
                    'nama_akaun' => $namaAkaun,
                    'status' => 'PENDING_PC',
                    'created_by' => $createdBy,
                ]);

                Gadai::on($mysql)
                    ->where('norujukan', '=', $norujukan)
                    ->update(['cara_terima' => 'ONLINE']);

                if ($updateCustomerBank && $customer) {
                    Customer::on($mysql)
                        ->where(function ($q) use ($nokp) {
                            $q->where('kpbaru', $nokp)->orWhere('kplama', $nokp);
                        })
                        ->update([
                            'kodbank' => $kodbank,
                            'noakaun' => $noakaun,
                        ]);
                }

                return [
                    'ok' => true,
                    'status' => 201,
                    'payload' => [
                        'pembiayaan_online' => $line,
                        'modal_online' => $reserve['payload'],
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('PembiayaanOnline store failed: ' . $e->getMessage(), [
                'kodcaw' => $kodcaw,
                'norujukan' => $norujukan,
            ]);
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal cipta pembiayaan online'],
            ];
        }
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function show($kodcaw, $norujukan)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }

        $line = PembiayaanOnline::on($resolved['mysql'])
            ->where('kodcaw', $kodcaw)
            ->where('norujukan', $norujukan)
            ->first();

        if (!$line) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
            ];
        }

        return [
            'ok' => true,
            'status' => 200,
            'payload' => $line,
        ];
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function queue($kodcaw, $status = null)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $query = PembiayaanOnline::on($mysql)->where('kodcaw', $kodcaw);

        if ($status) {
            if (!in_array($status, self::PC_QUEUE_STATUSES, true)) {
                return [
                    'ok' => false,
                    'status' => 422,
                    'payload' => [
                        'message' => 'Status queue tidak sah',
                        'allowed' => self::PC_QUEUE_STATUSES,
                    ],
                ];
            }
            $query->where('status', $status);
        } else {
            $query->whereIn('status', self::PC_QUEUE_STATUSES);
        }

        $lines = $query->orderBy('id', 'asc')->get();

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'kodcaw' => $kodcaw,
                'slot_cadangan' => $this->suggestSlot(),
                'bilangan' => $lines->count(),
                'jumlah' => round((float) $lines->sum('pinjaman'), 2),
                'data' => $lines,
            ],
        ];
    }

    /**
     * @param array $input raw request fields
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function updateLine($kodcaw, $id, array $input)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $line = PembiayaanOnline::on($mysql)
            ->where('kodcaw', $kodcaw)
            ->where('id', $id)
            ->first();

        if (!$line) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
            ];
        }

        if (!in_array($line->status, self::PC_QUEUE_STATUSES, true)) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => [
                    'message' => 'Hanya rekod PENDING_PC / REJECTED_PC boleh dikemaskini',
                    'status' => $line->status,
                ],
            ];
        }

        $fields = [];
        $has = function ($key) use ($input) {
            return array_key_exists($key, $input);
        };

        if ($has('kodbank')) {
            $fields['kodbank'] = $input['kodbank'];
            if (!$has('nama_bank')) {
                $fields['nama_bank'] = $this->resolveNamaBank($fields['kodbank']);
            }
        }
        if ($has('nama_bank')) {
            $fields['nama_bank'] = $input['nama_bank'];
        }
        if ($has('noakaun')) {
            $fields['noakaun'] = trim((string) $input['noakaun']);
        }
        if ($has('nama_akaun')) {
            $fields['nama_akaun'] = $input['nama_akaun'];
        }
        if ($has('nota')) {
            $fields['nota'] = $input['nota'];
        }
        if ($has('bukti_akaun_file_id')) {
            $fields['bukti_akaun_file_id'] = $input['bukti_akaun_file_id'];
        }
        if ($has('borang_file_id')) {
            $fields['borang_file_id'] = $input['borang_file_id'];
        }

        if (empty($fields)) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'Tiada medan untuk dikemaskini'],
            ];
        }

        if (isset($fields['kodbank']) && ($fields['kodbank'] === null || $fields['kodbank'] === '')) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'kodbank tidak sah'],
            ];
        }
        if (array_key_exists('noakaun', $fields) && $fields['noakaun'] === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'noakaun tidak sah'],
            ];
        }

        $updateCustomerBank = array_key_exists('update_customer_bank', $input)
            ? (bool) $input['update_customer_bank']
            : true;

        try {
            DB::connection($mysql)->transaction(function () use ($mysql, $line, $fields, $updateCustomerBank) {
                PembiayaanOnline::on($mysql)->where('id', $line->id)->update($fields);

                if (
                    $updateCustomerBank
                    && (isset($fields['kodbank']) || isset($fields['noakaun']))
                ) {
                    $kodbank = $fields['kodbank'] ?? $line->kodbank;
                    $noakaun = $fields['noakaun'] ?? $line->noakaun;
                    Customer::on($mysql)
                        ->where(function ($q) use ($line) {
                            $q->where('kpbaru', $line->nokp)->orWhere('kplama', $line->nokp);
                        })
                        ->update([
                            'kodbank' => $kodbank,
                            'noakaun' => $noakaun,
                        ]);
                }
            });

            $fresh = PembiayaanOnline::on($mysql)->where('id', $line->id)->first();

            return [
                'ok' => true,
                'status' => 200,
                'payload' => $fresh,
            ];
        } catch (\Throwable $e) {
            Log::error('PembiayaanOnline updateLine failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal kemaskini pembiayaan online'],
            ];
        }
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function listBatches($kodcaw, $tarikh = null, $status = null)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }

        $query = BatchPembiayaanOnline::on($resolved['mysql'])->where('kodcaw', $kodcaw);

        if ($tarikh) {
            $query->where('tarikh', $tarikh);
        }
        if ($status) {
            $query->where('status', $status);
        }

        return [
            'ok' => true,
            'status' => 200,
            'payload' => $query->orderBy('id', 'desc')->get(),
        ];
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function showBatch($kodcaw, $batchId)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $batch = BatchPembiayaanOnline::on($mysql)
            ->where('kodcaw', $kodcaw)
            ->where('id', $batchId)
            ->first();

        if (!$batch) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Batch tidak dijumpai'],
            ];
        }

        $lines = PembiayaanOnline::on($mysql)
            ->where('batch_id', $batch->id)
            ->orderBy('id', 'asc')
            ->get();

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'batch' => $batch,
                'lines' => $lines,
            ],
        ];
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function submitBatch($kodcaw, $ids, $pcBy, $slot = null)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        if (is_string($ids)) {
            $ids = array_filter(array_map('trim', explode(',', $ids)));
        }
        if (!is_array($ids) || count($ids) === 0) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ids diperlukan (senarai pembiayaan_online.id)'],
            ];
        }

        $ids = array_values(array_unique(array_map('intval', $ids)));
        $pcBy = trim((string) $pcBy);
        if ($pcBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'pc_submitted_by diperlukan'],
            ];
        }

        $slotInfo = $this->suggestSlot();
        $slot = strtoupper((string) ($slot ?: $slotInfo['slot']));
        if (!in_array($slot, ['BATCH1', 'BATCH2'], true)) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'slot mesti BATCH1 atau BATCH2'],
            ];
        }

        $now = Carbon::now();
        $tarikh = $now->toDateString();

        try {
            return DB::connection($mysql)->transaction(function () use (
                $mysql,
                $kodcaw,
                $ids,
                $pcBy,
                $slot,
                $tarikh,
                $now,
                $slotInfo
            ) {
                $lines = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->whereIn('id', $ids)
                    ->lockForUpdate()
                    ->get();

                if ($lines->count() !== count($ids)) {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => [
                            'message' => 'Sebahagian id tidak dijumpai untuk cawangan ini',
                            'requested' => $ids,
                            'found' => $lines->pluck('id')->all(),
                        ],
                    ];
                }

                foreach ($lines as $line) {
                    if (!in_array($line->status, self::PC_QUEUE_STATUSES, true)) {
                        return [
                            'ok' => false,
                            'status' => 422,
                            'payload' => [
                                'message' => 'Rekod bukan dalam queue PC',
                                'id' => $line->id,
                                'norujukan' => $line->norujukan,
                                'status' => $line->status,
                            ],
                        ];
                    }
                    if (empty($line->kodbank) || empty($line->noakaun)) {
                        return [
                            'ok' => false,
                            'status' => 422,
                            'payload' => [
                                'message' => 'Maklumat bank tidak lengkap',
                                'id' => $line->id,
                                'norujukan' => $line->norujukan,
                            ],
                        ];
                    }
                }

                $batchNo = $this->nextBatchNo($mysql, $kodcaw, $tarikh, $slot);
                $jumlah = round((float) $lines->sum('pinjaman'), 2);

                $batch = BatchPembiayaanOnline::on($mysql)->create([
                    'batch_no' => $batchNo,
                    'kodcaw' => $kodcaw,
                    'tarikh' => $tarikh,
                    'slot' => $slot,
                    'bilangan' => $lines->count(),
                    'jumlah_keseluruhan' => $jumlah,
                    'status' => 'SUBMITTED',
                    'pc_submitted_by' => $pcBy,
                    'submitted_at' => $now,
                ]);

                foreach ($lines as $line) {
                    PembiayaanOnline::on($mysql)->where('id', $line->id)->update([
                        'batch_id' => $batch->id,
                        'status' => 'IN_BATCH',
                        'pc_submitted_by' => $pcBy,
                        'reject_reason' => null,
                        'rejected_by' => null,
                        'rejected_at' => null,
                    ]);
                }

                $freshLines = PembiayaanOnline::on($mysql)
                    ->where('batch_id', $batch->id)
                    ->orderBy('id', 'asc')
                    ->get();

                return [
                    'ok' => true,
                    'status' => 201,
                    'payload' => [
                        'batch' => $batch,
                        'lines' => $freshLines,
                        'slot_info' => $slotInfo,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('PembiayaanOnline submitBatch failed: ' . $e->getMessage(), [
                'kodcaw' => $kodcaw,
            ]);
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal hantar batch pembiayaan online'],
            ];
        }
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiListBatches($statusFilter = 'SUBMITTED', $tarikh = null)
    {
        $allowed = ['SUBMITTED', 'PARTIAL', 'OPS_DONE', 'PAID', 'all'];
        if (!in_array($statusFilter, $allowed, true)) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => [
                    'message' => 'status tidak sah',
                    'allowed' => $allowed,
                ],
            ];
        }

        $cawanganAll = Cawangan::on('mysql7')->get();
        $batches = [];

        foreach ($cawanganAll as $cawangan) {
            try {
                $query = BatchPembiayaanOnline::on($cawangan['mysql'])
                    ->where('kodcaw', $cawangan['kodcaw']);

                if ($statusFilter !== 'all') {
                    $query->where('status', $statusFilter);
                } else {
                    $query->whereIn('status', ['SUBMITTED', 'PARTIAL', 'OPS_DONE', 'PAID']);
                }

                if ($tarikh) {
                    $query->where('tarikh', $tarikh);
                }

                foreach ($query->orderBy('id', 'desc')->get() as $batch) {
                    $row = $batch->toArray();
                    $row['cawangan_nama'] = $cawangan->nama_cawangan;
                    $batches[] = $row;
                }
            } catch (\Throwable $e) {
                Log::warning('operasiListBatches skip ' . $cawangan['kodcaw'] . ': ' . $e->getMessage());
            }
        }

        usort($batches, function ($a, $b) {
            return ($b['id'] ?? 0) <=> ($a['id'] ?? 0);
        });

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'bilangan' => count($batches),
                'data' => $batches,
            ],
        ];
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiApproveLine($kodcaw, $id, $opsBy)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $opsBy = trim((string) $opsBy);
        if ($opsBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ops_by diperlukan'],
            ];
        }

        try {
            return DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $id, $opsBy) {
                $line = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->where('id', $id)
                    ->lockForUpdate()
                    ->first();

                if (!$line) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
                    ];
                }

                if (!in_array($line->status, ['IN_BATCH', 'OPS_REVIEW'], true)) {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => [
                            'message' => 'Hanya rekod IN_BATCH / OPS_REVIEW boleh diluluskan',
                            'status' => $line->status,
                        ],
                    ];
                }

                PembiayaanOnline::on($mysql)->where('id', $line->id)->update([
                    'status' => 'APPROVED',
                    'ops_by' => $opsBy,
                    'reject_reason' => null,
                    'rejected_by' => null,
                    'rejected_at' => null,
                ]);

                $batch = null;
                if ($line->batch_id) {
                    $batch = $this->refreshBatchStatus($mysql, $line->batch_id);
                }

                $fresh = PembiayaanOnline::on($mysql)->where('id', $line->id)->first();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'pembiayaan_online' => $fresh,
                        'batch' => $batch,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('operasiApproveLine failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal lulus pembiayaan online'],
            ];
        }
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiRejectLine($kodcaw, $id, $opsBy, $reason)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $opsBy = trim((string) $opsBy);
        $reason = trim((string) $reason);

        if ($opsBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ops_by diperlukan'],
            ];
        }
        if ($reason === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'reject_reason diperlukan'],
            ];
        }

        $now = Carbon::now();

        try {
            return DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $id, $opsBy, $reason, $now) {
                $line = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->where('id', $id)
                    ->lockForUpdate()
                    ->first();

                if (!$line) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
                    ];
                }

                if (!in_array($line->status, ['IN_BATCH', 'OPS_REVIEW', 'APPROVED'], true)) {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => [
                            'message' => 'Status semasa tidak boleh ditolak',
                            'status' => $line->status,
                        ],
                    ];
                }

                if ($line->status === 'PAID') {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => ['message' => 'Rekod sudah PAID, tidak boleh ditolak'],
                    ];
                }

                $batchId = $line->batch_id;

                PembiayaanOnline::on($mysql)->where('id', $line->id)->update([
                    'status' => 'REJECTED_PC',
                    'reject_reason' => $reason,
                    'rejected_by' => $opsBy,
                    'rejected_at' => $now,
                    'ops_by' => $opsBy,
                    'batch_id' => null,
                ]);

                $batch = null;
                if ($batchId) {
                    $batch = $this->refreshBatchStatus($mysql, $batchId);
                }

                $fresh = PembiayaanOnline::on($mysql)->where('id', $line->id)->first();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'pembiayaan_online' => $fresh,
                        'batch' => $batch,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('operasiRejectLine failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal tolak pembiayaan online'],
            ];
        }
    }

    /**
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiApproveBatch($kodcaw, $batchId, $opsBy)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $opsBy = trim((string) $opsBy);
        if ($opsBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ops_by diperlukan'],
            ];
        }

        try {
            return DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $batchId, $opsBy) {
                $batch = BatchPembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->where('id', $batchId)
                    ->lockForUpdate()
                    ->first();

                if (!$batch) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Batch tidak dijumpai'],
                    ];
                }

                $updated = PembiayaanOnline::on($mysql)
                    ->where('batch_id', $batch->id)
                    ->whereIn('status', ['IN_BATCH', 'OPS_REVIEW'])
                    ->update([
                        'status' => 'APPROVED',
                        'ops_by' => $opsBy,
                        'reject_reason' => null,
                        'rejected_by' => null,
                        'rejected_at' => null,
                    ]);

                $batch = $this->refreshBatchStatus($mysql, $batch->id);
                $lines = PembiayaanOnline::on($mysql)
                    ->where('batch_id', $batch->id)
                    ->orderBy('id', 'asc')
                    ->get();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'diluluskan' => $updated,
                        'batch' => $batch,
                        'lines' => $lines,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('operasiApproveBatch failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal lulus batch'],
            ];
        }
    }

    /**
     * Operasi mark one APPROVED line as PAID + upload bukti bayaran.
     *
     * @param array $data ops_by, no_rujukan_bayaran, tarikh_bayaran?,
     *   bukti_file_id? OR bukti_data + bukti_filename + bukti_type (base64 like CIT)
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiMarkPaid($kodcaw, $id, array $data)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $opsBy = trim((string) ($data['ops_by'] ?? ''));
        $noRujukanBayaran = trim((string) ($data['no_rujukan_bayaran'] ?? ''));
        $tarikhBayaran = $data['tarikh_bayaran'] ?? Carbon::now()->toDateString();

        if ($opsBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ops_by diperlukan'],
            ];
        }
        if ($noRujukanBayaran === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'no_rujukan_bayaran diperlukan'],
            ];
        }

        try {
            Carbon::parse($tarikhBayaran);
        } catch (\Throwable $e) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'tarikh_bayaran tidak sah'],
            ];
        }

        try {
            return DB::connection($mysql)->transaction(function () use (
                $mysql,
                $kodcaw,
                $id,
                $opsBy,
                $noRujukanBayaran,
                $tarikhBayaran,
                $data
            ) {
                $line = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->where('id', $id)
                    ->lockForUpdate()
                    ->first();

                if (!$line) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
                    ];
                }

                if ($line->status === 'PAID') {
                    return [
                        'ok' => false,
                        'status' => 409,
                        'payload' => [
                            'message' => 'Rekod sudah PAID',
                            'pembiayaan_online' => $line,
                        ],
                    ];
                }

                if ($line->status !== 'APPROVED') {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => [
                            'message' => 'Hanya rekod APPROVED boleh ditanda PAID',
                            'status' => $line->status,
                        ],
                    ];
                }

                $buktiFileId = $data['bukti_file_id'] ?? null;
                if (empty($buktiFileId)) {
                    $saved = $this->storeBuktiFile($data);
                    if (!$saved['ok']) {
                        return $saved;
                    }
                    $buktiFileId = $saved['payload']['id'];
                } else {
                    $exists = ARFiles::on('mysql7')->where('id', $buktiFileId)->first();
                    if (!$exists) {
                        return [
                            'ok' => false,
                            'status' => 422,
                            'payload' => ['message' => 'bukti_file_id tidak dijumpai'],
                        ];
                    }
                }

                $now = Carbon::now();

                PembiayaanOnline::on($mysql)->where('id', $line->id)->update([
                    'status' => 'PAID',
                    'bukti_file_id' => $buktiFileId,
                    'no_rujukan_bayaran' => $noRujukanBayaran,
                    'tarikh_bayaran' => $tarikhBayaran,
                    'paid_at' => $now,
                    'ops_by' => $opsBy,
                ]);

                $batch = null;
                if ($line->batch_id) {
                    $batch = $this->refreshBatchStatus($mysql, $line->batch_id);
                }

                $fresh = PembiayaanOnline::on($mysql)->where('id', $line->id)->first();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'pembiayaan_online' => $fresh,
                        'batch' => $batch,
                        'bukti_file_id' => $buktiFileId,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('operasiMarkPaid failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal tanda PAID / muat naik bukti'],
            ];
        }
    }

    /**
     * Mark all APPROVED lines in a batch as PAID (shared bukti + rujukan).
     *
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function operasiMarkPaidBatch($kodcaw, $batchId, array $data)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        $opsBy = trim((string) ($data['ops_by'] ?? ''));
        $noRujukanBayaran = trim((string) ($data['no_rujukan_bayaran'] ?? ''));
        $tarikhBayaran = $data['tarikh_bayaran'] ?? Carbon::now()->toDateString();

        if ($opsBy === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ops_by diperlukan'],
            ];
        }
        if ($noRujukanBayaran === '') {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'no_rujukan_bayaran diperlukan'],
            ];
        }

        try {
            Carbon::parse($tarikhBayaran);
        } catch (\Throwable $e) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'tarikh_bayaran tidak sah'],
            ];
        }

        try {
            return DB::connection($mysql)->transaction(function () use (
                $mysql,
                $kodcaw,
                $batchId,
                $opsBy,
                $noRujukanBayaran,
                $tarikhBayaran,
                $data
            ) {
                $batch = BatchPembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->where('id', $batchId)
                    ->lockForUpdate()
                    ->first();

                if (!$batch) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Batch tidak dijumpai'],
                    ];
                }

                $lines = PembiayaanOnline::on($mysql)
                    ->where('batch_id', $batch->id)
                    ->where('status', 'APPROVED')
                    ->lockForUpdate()
                    ->get();

                if ($lines->isEmpty()) {
                    return [
                        'ok' => false,
                        'status' => 422,
                        'payload' => ['message' => 'Tiada rekod APPROVED dalam batch ini'],
                    ];
                }

                $buktiFileId = $data['bukti_file_id'] ?? null;
                if (empty($buktiFileId)) {
                    $saved = $this->storeBuktiFile($data);
                    if (!$saved['ok']) {
                        return $saved;
                    }
                    $buktiFileId = $saved['payload']['id'];
                } else {
                    $exists = ARFiles::on('mysql7')->where('id', $buktiFileId)->first();
                    if (!$exists) {
                        return [
                            'ok' => false,
                            'status' => 422,
                            'payload' => ['message' => 'bukti_file_id tidak dijumpai'],
                        ];
                    }
                }

                $now = Carbon::now();
                $ids = $lines->pluck('id')->all();

                PembiayaanOnline::on($mysql)->whereIn('id', $ids)->update([
                    'status' => 'PAID',
                    'bukti_file_id' => $buktiFileId,
                    'no_rujukan_bayaran' => $noRujukanBayaran,
                    'tarikh_bayaran' => $tarikhBayaran,
                    'paid_at' => $now,
                    'ops_by' => $opsBy,
                ]);

                $batch = $this->refreshBatchStatus($mysql, $batch->id);
                $freshLines = PembiayaanOnline::on($mysql)
                    ->where('batch_id', $batch->id)
                    ->orderBy('id', 'asc')
                    ->get();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'dibayar' => count($ids),
                        'bukti_file_id' => $buktiFileId,
                        'batch' => $batch,
                        'lines' => $freshLines,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('operasiMarkPaidBatch failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal tanda PAID batch'],
            ];
        }
    }

    /**
     * Get bukti metadata/content for a paid (or any) line.
     *
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function getBukti($kodcaw, $id)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }

        $line = PembiayaanOnline::on($resolved['mysql'])
            ->where('kodcaw', $kodcaw)
            ->where('id', $id)
            ->first();

        if (!$line) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Pembiayaan online tidak dijumpai'],
            ];
        }

        if (empty($line->bukti_file_id)) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Bukti bayaran belum dimuat naik'],
            ];
        }

        $file = ARFiles::on('mysql7')->where('id', $line->bukti_file_id)->first();
        if (!$file) {
            return [
                'ok' => false,
                'status' => 404,
                'payload' => ['message' => 'Fail bukti tidak dijumpai'],
            ];
        }

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'pembiayaan_online_id' => $line->id,
                'norujukan' => $line->norujukan,
                'no_rujukan_bayaran' => $line->no_rujukan_bayaran,
                'tarikh_bayaran' => $line->tarikh_bayaran,
                'bukti' => [
                    'id' => $file->id,
                    'filename' => $file->filename,
                    'type' => $file->type,
                    'tarikhmasa' => $file->tarikhmasa,
                    'data' => $file->data,
                ],
            ],
        ];
    }

    /**
     * PC list of PAID lines awaiting blast / tally.
     *
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function paidQueue($kodcaw, $blastSent = null)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }

        $query = PembiayaanOnline::on($resolved['mysql'])
            ->where('kodcaw', $kodcaw)
            ->where('status', 'PAID');

        if ($blastSent !== null && $blastSent !== '') {
            $query->where('blast_sent', (int) $blastSent);
        }

        $lines = $query->orderBy('paid_at', 'desc')->get();

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'kodcaw' => $kodcaw,
                'bilangan' => $lines->count(),
                'jumlah' => round((float) $lines->sum('pinjaman'), 2),
                'data' => $lines,
            ],
        ];
    }

    /**
     * PC marks PAID line(s) as tallied / blast done (blast_sent=1).
     * Actual WhatsApp/SMS dispatch can be wired later.
     *
     * @param array|int|string $ids
     * @return array{ok:bool,status:int,payload:mixed}
     */
    public function markBlastSent($kodcaw, $ids, $blastBy = null)
    {
        $resolved = $this->resolveMysql($kodcaw);
        if (!$resolved['ok']) {
            return $resolved;
        }
        $mysql = $resolved['mysql'];

        if (!is_array($ids)) {
            $ids = array_filter(explode(',', (string) $ids));
        }
        $ids = array_values(array_unique(array_map('intval', $ids)));
        if (count($ids) === 0) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => ['message' => 'ids diperlukan'],
            ];
        }

        $now = Carbon::now();
        $updated = 0;

        try {
            return DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $ids, $blastBy, $now, &$updated) {
                $lines = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->whereIn('id', $ids)
                    ->where('status', 'PAID')
                    ->lockForUpdate()
                    ->get();

                if ($lines->isEmpty()) {
                    return [
                        'ok' => false,
                        'status' => 404,
                        'payload' => ['message' => 'Tiada rekod PAID dijumpai untuk ids diberi'],
                    ];
                }

                foreach ($lines as $line) {
                    $nota = $line->nota;
                    if ($blastBy) {
                        $tag = '[TALLY/BLAST ' . $now->toDateTimeString() . ' oleh ' . $blastBy . ']';
                        $nota = trim((string) $nota);
                        $nota = $nota === '' ? $tag : ($nota . "\n" . $tag);
                    }

                    PembiayaanOnline::on($mysql)->where('id', $line->id)->update([
                        'blast_sent' => 1,
                        'nota' => $nota,
                    ]);
                    $updated++;
                }

                $fresh = PembiayaanOnline::on($mysql)
                    ->where('kodcaw', $kodcaw)
                    ->whereIn('id', $lines->pluck('id')->all())
                    ->orderBy('id', 'asc')
                    ->get();

                return [
                    'ok' => true,
                    'status' => 200,
                    'payload' => [
                        'dikemaskini' => $updated,
                        'data' => $fresh,
                    ],
                ];
            });
        } catch (\Throwable $e) {
            Log::error('markBlastSent failed: ' . $e->getMessage());
            return [
                'ok' => false,
                'status' => 500,
                'payload' => ['message' => 'Gagal tanda blast/tally'],
            ];
        }
    }

    /**
     * Store bukti into arrahn_files (mysql7), same pattern as CIT.
     *
     * @return array{ok:bool,status:int,payload:mixed}
     */
    protected function storeBuktiFile(array $data)
    {
        $buktiData = $data['bukti_data'] ?? $data['data'] ?? null;
        $filename = $data['bukti_filename'] ?? $data['filename'] ?? null;
        $type = $data['bukti_type'] ?? $data['type'] ?? null;

        if (empty($buktiData) || empty($filename) || empty($type)) {
            return [
                'ok' => false,
                'status' => 422,
                'payload' => [
                    'message' => 'Bukti diperlukan: bukti_data, bukti_filename, bukti_type (atau bukti_file_id)',
                ],
            ];
        }

        $file = new ARFiles();
        $file->data = $buktiData;
        $file->filename = $filename;
        $file->type = $type;
        $file->tarikhmasa = Carbon::now()->toDateTimeString();
        $file->save();

        return [
            'ok' => true,
            'status' => 200,
            'payload' => [
                'id' => $file->id,
                'filename' => $file->filename,
                'type' => $file->type,
            ],
        ];
    }

    protected function refreshBatchStatus($mysql, $batchId)
    {
        $batch = BatchPembiayaanOnline::on($mysql)->where('id', $batchId)->first();
        if (!$batch) {
            return null;
        }

        $lines = PembiayaanOnline::on($mysql)->where('batch_id', $batchId)->get();

        $bilangan = $lines->count();
        $jumlah = round((float) $lines->sum('pinjaman'), 2);
        $statuses = $lines->pluck('status')->unique()->values()->all();

        if ($bilangan === 0) {
            $status = 'OPS_DONE';
        } elseif (count(array_diff($statuses, ['PAID'])) === 0) {
            $status = 'PAID';
        } elseif (count(array_diff($statuses, ['APPROVED', 'PAID'])) === 0) {
            $status = 'OPS_DONE';
        } elseif (in_array('IN_BATCH', $statuses, true) || in_array('OPS_REVIEW', $statuses, true)) {
            $hasDecided = count(array_intersect($statuses, ['APPROVED', 'PAID'])) > 0;
            $status = $hasDecided ? 'PARTIAL' : 'SUBMITTED';
        } else {
            $status = 'PARTIAL';
        }

        BatchPembiayaanOnline::on($mysql)->where('id', $batchId)->update([
            'bilangan' => $bilangan,
            'jumlah_keseluruhan' => $jumlah,
            'status' => $status,
        ]);

        return BatchPembiayaanOnline::on($mysql)->where('id', $batchId)->first();
    }

    public function suggestSlot()
    {
        $now = Carbon::now();
        $mins = ((int) $now->format('G')) * 60 + (int) $now->format('i');

        if ($mins < 11 * 60) {
            return [
                'slot' => 'BATCH1',
                'cutoff' => '11:00',
                'proses' => '12:30',
                'lewat' => false,
                'nota' => 'Dalam waktu Batch 1',
            ];
        }

        if ($mins < 15 * 60) {
            return [
                'slot' => 'BATCH2',
                'cutoff' => '15:00',
                'proses' => '16:30',
                'lewat' => false,
                'nota' => 'Dalam waktu Batch 2',
            ];
        }

        return [
            'slot' => 'BATCH2',
            'cutoff' => '15:00',
            'proses' => '16:30 (hari berikutnya jika sudah lewat)',
            'lewat' => true,
            'nota' => 'Selepas cutoff Batch 2 — masih boleh hantar; Operasi mungkin proses esok',
        ];
    }

    protected function nextBatchNo($mysql, $kodcaw, $tarikh, $slot)
    {
        $slotTag = $slot === 'BATCH1' ? 'B1' : 'B2';
        $ymd = Carbon::parse($tarikh)->format('Ymd');
        $prefix = strtoupper($kodcaw) . '-PO-' . $ymd . '-' . $slotTag . '-';

        $last = BatchPembiayaanOnline::on($mysql)
            ->where('kodcaw', $kodcaw)
            ->where('tarikh', $tarikh)
            ->where('slot', $slot)
            ->orderBy('id', 'desc')
            ->first();

        $seq = 1;
        if ($last && preg_match('/-(\d+)$/', $last->batch_no, $m)) {
            $seq = ((int) $m[1]) + 1;
        }

        return $prefix . str_pad((string) $seq, 3, '0', STR_PAD_LEFT);
    }
}