<?php
/**
 * Wallet Balance Management Functions
 * Add to theme's functions.php or custom plugin
 */

// Calculate and update user wallet balance
function update_user_wallet_balance($user_id, $amount, $transaction_type, $reference_id = null, $reference_type = null, $description = '') {
    global $wpdb;
    
    // Get current balances
    $available_balance = (float) get_user_meta($user_id, 'wallet_available_balance', true) ?: 0;
    $pending_balance = (float) get_user_meta($user_id, 'wallet_pending_balance', true) ?: 0;
    $total_earned = (float) get_user_meta($user_id, 'wallet_total_earned', true) ?: 0;
    
    $balance_before = $available_balance;
    $new_balance = $available_balance;
    
    // Calculate new balance based on transaction type
    switch($transaction_type) {
        case 'donation_received':
            $pending_balance += $amount;
            $total_earned += $amount;
            break;
            
        case 'donation_cleared':
            $pending_balance -= $amount;
            $new_balance += $amount;
            break;
            
        case 'withdrawal':
            $new_balance -= $amount;
            break;
            
        case 'reversal':
            $new_balance -= $amount;
            $total_earned -= $amount;
            break;
            
        case 'platform_fee':
            $new_balance -= $amount;
            break;
            
        case 'top_up':
            $new_balance += $amount;
            break;
    }
    
    // Update user meta
    update_user_meta($user_id, 'wallet_available_balance', $new_balance);
    update_user_meta($user_id, 'wallet_pending_balance', $pending_balance);
    update_user_meta($user_id, 'wallet_total_earned', $total_earned);
    
    // Log transaction in CCT
    $transaction_id = $wpdb->insert(
        $wpdb->prefix . 'jet_cct_wallet_transactions',
        array(
            'user_id' => $user_id,
            'transaction_type' => $transaction_type,
            'amount' => $amount,
            'reference_id' => $reference_id,
            'reference_type' => $reference_type,
            'description' => $description,
            'balance_before' => $balance_before,
            'balance_after' => $new_balance,
            'created_at' => current_time('mysql'),
            'status' => 'completed'
        ),
        array('%d', '%s', '%f', '%s', '%s', '%s', '%f', '%f', '%s', '%s')
    );
    
    do_action('wallet_balance_updated', $user_id, $new_balance, $transaction_type);
    
    return $transaction_id;
}

// Get user's available balance
function get_user_wallet_balance($user_id) {
    return (float) get_user_meta($user_id, 'wallet_available_balance', true) ?: 0;
}

// Get user's pending balance
function get_user_pending_balance($user_id) {
    return (float) get_user_meta($user_id, 'wallet_pending_balance', true) ?: 0;
}

// Check if user has sufficient balance
function user_has_sufficient_balance($user_id, $amount) {
    $available = get_user_wallet_balance($user_id);
    return $available >= $amount;
}

<?php
/**
 * Bank Account Management Functions
 */

// Set a bank account as default
function set_default_bank_account($account_id, $user_id) {
    global $wpdb;
    $table = $wpdb->prefix . 'jet_cct_bank_accounts';
    
    // First, unset all default accounts for this user
    $wpdb->update(
        $table,
        array('is_default' => 0),
        array('user_id' => $user_id),
        array('%d'),
        array('%d')
    );
    
    // Set the new default
    $updated = $wpdb->update(
        $table,
        array('is_default' => 1),
        array('_ID' => $account_id, 'user_id' => $user_id),
        array('%d'),
        array('%d', '%d')
    );
    
    if ($updated) {
        do_action('bank_account_set_default', $account_id, $user_id);
        return true;
    }
    
    return false;
}

// Get user's default bank account
function get_default_bank_account($user_id) {
    global $wpdb;
    $table = $wpdb->prefix . 'jet_cct_bank_accounts';
    
    $account = $wpdb->get_row($wpdb->prepare(
        "SELECT * FROM $table WHERE user_id = %d AND is_default = 1 LIMIT 1",
        $user_id
    ));
    
    return $account;
}

// Auto-set first bank account as default
add_action('jet-forms/handler/after-send', 'auto_set_first_bank_account_default', 10, 2);
function auto_set_first_bank_account_default($form_data, $handler) {
    // Only run for bank account form
    if ($handler->form_id != 'add-bank-account-form') return;
    
    $user_id = get_current_user_id();
    
    global $wpdb;
    $table = $wpdb->prefix . 'jet_cct_bank_accounts';
    
    // Check if user has any default accounts
    $has_default = $wpdb->get_var($wpdb->prepare(
        "SELECT COUNT(*) FROM $table WHERE user_id = %d AND is_default = 1",
        $user_id
    ));
    
    // If no default exists, set this new account as default
    if (!$has_default) {
        $new_account_id = $wpdb->insert_id; // Get the ID of just inserted account
        set_default_bank_account($new_account_id, $user_id);
    }
}

// Prevent deletion of last bank account if it's default
add_action('jet-engine/forms/handler/before-delete-item', 'prevent_last_default_account_deletion', 10, 2);
function prevent_last_default_account_deletion($item_id, $handler) {
    global $wpdb;
    $table = $wpdb->prefix . 'jet_cct_bank_accounts';
    
    $user_id = get_current_user_id();
    
    // Count user's bank accounts
    $count = $wpdb->get_var($wpdb->prepare(
        "SELECT COUNT(*) FROM $table WHERE user_id = %d",
        $user_id
    ));
    
    // Check if this is the default account
    $is_default = $wpdb->get_var($wpdb->prepare(
        "SELECT is_default FROM $table WHERE _ID = %d",
        $item_id
    ));
    
    if ($count == 1 || $is_default == 1) {
        wp_die('You cannot delete your default or only bank account.');
    }
}