-- 创建 bank_ 前缀业务表（无DROP，避免覆盖现有表）

CREATE TABLE IF NOT EXISTS bank_roles (
  id INT AUTO_INCREMENT PRIMARY KEY,
  name VARCHAR(50) NOT NULL UNIQUE,
  display_name VARCHAR(100) NOT NULL,
  description TEXT NULL,
  level INT NOT NULL DEFAULT 1,
  is_system TINYINT(1) NOT NULL DEFAULT 0,
  status ENUM('active','inactive') NOT NULL DEFAULT 'active',
  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
  updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;

CREATE TABLE IF NOT EXISTS bank_users (
  id INT AUTO_INCREMENT PRIMARY KEY,
  username VARCHAR(50) NOT NULL UNIQUE,
  email VARCHAR(100) NOT NULL UNIQUE,
  password VARCHAR(255) NOT NULL,
  phone VARCHAR(20) NULL,
  real_name VARCHAR(50) NOT NULL,
  id_card VARCHAR(18) NOT NULL UNIQUE,
  avatar VARCHAR(255) NULL,
  role_id INT NOT NULL,
  status ENUM('active','inactive','suspended','locked') NOT NULL DEFAULT 'active',
  last_login DATETIME NULL,
  login_attempts INT NOT NULL DEFAULT 0,
  locked_until DATETIME NULL,
  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
  updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
  CONSTRAINT fk_bank_users_role_id FOREIGN KEY (role_id) REFERENCES bank_roles(id)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;

CREATE TABLE IF NOT EXISTS bank_accounts (
  id INT AUTO_INCREMENT PRIMARY KEY,
  account_number VARCHAR(20) NOT NULL UNIQUE,
  user_id INT NOT NULL,
  account_type ENUM('savings','checking','credit','loan') NOT NULL DEFAULT 'savings',
  balance BIGINT NOT NULL DEFAULT 0,
  available_balance BIGINT NOT NULL DEFAULT 0,
  frozen_amount BIGINT NOT NULL DEFAULT 0,
  currency VARCHAR(3) NOT NULL DEFAULT 'CNY',
  interest_rate DECIMAL(5,4) NULL,
  status ENUM('active','inactive','frozen','closed') NOT NULL DEFAULT 'active',
  opened_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
  closed_at DATETIME NULL,
  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
  updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
  CONSTRAINT fk_bank_accounts_user_id FOREIGN KEY (user_id) REFERENCES bank_users(id)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;

CREATE TABLE IF NOT EXISTS bank_transactions (
  id INT AUTO_INCREMENT PRIMARY KEY,
  transaction_number VARCHAR(32) NOT NULL UNIQUE,
  account_id INT NOT NULL,
  transaction_type ENUM('deposit','withdrawal','transfer_in','transfer_out','interest','fee','loan','repayment') NOT NULL,
  amount BIGINT NOT NULL,
  balance_before BIGINT NOT NULL,
  balance_after BIGINT NOT NULL,
  counterparty_account VARCHAR(20) NULL,
  counterparty_name VARCHAR(100) NULL,
  description VARCHAR(255) NULL,
  reference_number VARCHAR(50) NULL,
  status ENUM('pending','completed','failed','cancelled','reversed') NOT NULL DEFAULT 'pending',
  processed_at DATETIME NULL,
  reversed_at DATETIME NULL,
  created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
  updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
  CONSTRAINT fk_bank_transactions_account_id FOREIGN KEY (account_id) REFERENCES bank_accounts(id)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;