define("TYPE_USER"     , 1);
define("TYPE_GROUP"    , 2)

TABLE Accounts (
    id           SERIAL,
    entityType   TINYINT UNSIGNED NOT NULL,
    entityID     BIGINT UNSIGNED NOT NULL,
    accData      .....
)

//Описание внешних счетов
Account_Ext (
    id        SERIAL,
    accType   TINYINT UNSIGNED NOT NULL, /*константа тип: ЯД, WM, SMS и т.д.*/
    accKey    CHAR(64) UNIQUE, /* идентификатор счёта, т.е. номер кошелька в ЯД или номер телефона в SMS */
    accData1 ...
    accData2 ...
    .....
)

/* Таблица транзакций */
Pay_Transactions (
    id       SERIAL,
    .........
)

/* Собственно учёт внешних движений средств */
Ext_Pays (
     id         SERIAL,
     PT_ID      BIGINT UNSIGNED, /* Транзакция */
     extAcc_ID  BIGINT UNSIGNED NOT NULL, /* Внешний счёт */
     intAcc_ID  BIGINT UNSIGNED NOT NULL, /* Внутренний счёт */
     extAmount  DECIMAL(...), /* Объём транзакции на внешнем счёте. + или - */
     intAmount  DECIMAL(...), /* ....... на внутреннем */ 
)

/* Учёт внутренних передвижений средств */
Ext_Pays (
     id         SERIAL,
     PT_ID      BIGINT UNSIGNED, /* Транзакция */
     intAcc1_ID BIGINT UNSIGNED NOT NULL, /* 1 счёт */
     intAcc2_ID BIGINT UNSIGNED NOT NULL, /* 2 счёт */
     acc1Amount DECIMAL(...), /* Объём транзакции на1 счёте. + или - */
     acc2Amount DECIMAL(...), /* ....... на 2-м */ 
)

		case 'tab.pay_account.create':		//Таблица со счетами в системе
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_account` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	accType		TINYINT UNSIGNED NOT NULL, '.
					'	accObjID	BIGINT UNSIGNED NOT NULL, '.
					'	UNIQUE KEY	accKey (accType, accObjID) '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Счета в системе"';
			break;

		case 'tab.pay_accountState.create':	//Состояние счетов
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_accountState` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	payAccID	BIGINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.
					'	accAmount	DECIMAL(30,20), '.
					'	UNIQUE KEY	accCurr (payAccID, currID), '.
					' FOREIGN KEY	payAccID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	currID REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Состояние счетов в системе в разных валютах"';
			break;

		case 'tab.pay_actions.create':		//Таблица с записью движений средств между счетами
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_accountActions` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	actType		TINYINT UNSIGNED NOT NULL, '.
					'	payAcc1_ID	BIGINT UNSIGNED NOT NULL, '.
					'	curr1_ID	SMALLINT UNSIGNED NOT NULL, '.
					'	pay1_Amount	DECIMAL(30,20) NOT NULL, '.
					'	payAcc2_ID	BIGINT UNSIGNED NOT NULL, '.
					'	curr2_ID	SMALLINT UNSIGNED NOT NULL, '.
					'	pay2_Amount	DECIMAL(30,20) NOT NULL, '.
					' FOREIGN KEY	payAcc1_ID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	curr1_ID REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	payAcc2_ID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	curr2_ID REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Движения на счетах в разных валютах"';
			break;

		case 'tab.pay_transaction.create':	//Транзакции в системе
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_transaction` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	tDescr		CHAR(255) '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Транзакции в системе"';
			break;

		case 'tab.pay_account.create':		//Таблица со счетами в системе
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_account` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	accType		TINYINT UNSIGNED NOT NULL, '.
					'	accObjID	BIGINT UNSIGNED NOT NULL, '.
					'	UNIQUE KEY	accKey (accType, accObjID) '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Счета в системе"';
			break;

		case 'tab.pay_accountState.create':	//Состояние счетов
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_accountState` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	payAccID	BIGINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.
					'	accAmount	DECIMAL(30,20), '.
					'	UNIQUE KEY	accCurr (payAccID, currID), '.
					' FOREIGN KEY	payAccID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	currID REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Состояние счетов в системе в разных валютах"';
			break;

		case 'tab.pay_actions.create':		//Таблица с записью движений средств между счетами
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_accountActions` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	PT_ID		BIGINT UNSIGNED NOT NULL, '.
					'	actType		TINYINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.
					'	debetAccID	BIGINT UNSIGNED NOT NULL, '.
					'	debetAmount	DECIMAL(30,20) NOT NULL, '.
					'	creditAccID	BIGINT UNSIGNED NOT NULL, '.
					'	creditAmount DECIMAL(30,20) NOT NULL, '.
					' FOREIGN KEY	PT_ID REFERENCES pay_transaction(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	currID REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	debetAccID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	creditAccID REFERENCES pay_account(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Движения на счетах."';
			break;

select aa..... , bb.... , cc....
FROM pay_actions    aa 
LEFT JOIN Accounts bb ON ... /* Как мы должны понять, что aa.debetBagID - это именно bagID а не extID?*/
LEFT JOIN Account_Ext cc ON .../* Как мы должны понять, что aa.creditBagID - это именно bagID а не extID?*/

		case 'tab.pay_transaction.create':	//Транзакции в системе
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_transaction` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	tDescr		CHAR(255) '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Транзакции в системе"';
			break;

		case 'tab.pay_bags.create':		//Таблица с кошельками в системе
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_bags` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	bagType		TINYINT UNSIGNED NOT NULL, '.
					'	ObjID		BIGINT UNSIGNED NOT NULL, '.
					'	UNIQUE KEY	bagKey (bagType, ObjID) '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Кошельки разных объектов в системе"';
			break;

		case 'tab.pay_moneyBags.create':	//Состояние кошельков
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_moneyBags` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	bagID		BIGINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.
					'	currMoney	DECIMAL(30,20), '.
					'	UNIQUE KEY	bagCurr (bagID, currID), '.
					' FOREIGN KEY	(bagID) REFERENCES pay_bags(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(currID) REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Состояние кошельков в системе в разных валютах"';
			break;

		case 'tab.pay_bagActions.create':		//Таблица с записью движений средств между кошельками
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_bagActions` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	PT_ID		BIGINT UNSIGNED NOT NULL, '.
					'	actType		TINYINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.
					'	debBagID	BIGINT UNSIGNED, '.
					'	debAmount	DECIMAL(30,20) NOT NULL, '.
					'	credBagID	BIGINT UNSIGNED, '.
					'	credAmount DECIMAL(30,20) NOT NULL, '.
					' FOREIGN KEY	(PT_ID) REFERENCES pay_transaction(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(currID) REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(debetBagID) REFERENCES pay_bags(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(creditBagID) REFERENCES pay_bags(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Движения на счетах."';
			break;

		case 'tab.pay_extAccounts.create':		//Таблица с внешними счетами
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_extAccounts` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	extType		SMALLINT UNSIGNED NOT NULL, '.	/* Тип внешнего счёта. Определённая константа указывающая на внешний сервис */
					'	extKey		CHAR(64) NOT NULL, '.			/* Уникальный ключ счёта во внешнем сервисе */
					' UNIQUE KEY	extAcc (extType, extKey) '.	/* Уникальность счёта в сервисе */
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Счета участвовавшие во внешних денежных транзакциях системы"';
			break;

		case 'tab.pay_extActions.create':		//Таблица с движениями средств в\из системы
			$sql	= 'CREATE TABLE IF NOT EXISTS `pay_extActions` ('.
					'	id		BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, '.
					'	cDate		DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP(), '.
					'	sessID		BIGINT UNSIGNED NOT NULL, '.
					'	PT_ID		BIGINT UNSIGNED NOT NULL, '.
					'	currID		SMALLINT UNSIGNED NOT NULL, '.	/* TODO: Хотя наверное у счёта внешнего сервиса одна валюта. В будущем будет понятно */
					'	extAccID	BIGINT UNSIGNED NOT NULL, '.	/* Ссылка на внешний счёт */
					'	extAmount	DECIMAL(30,20) NOT NULL, '.		/* Величина движения средств на внешнем счёте */
					'	bagID		BIGINT UNSIGNED NOT NULL, '.	/* Ссылка на кошелёк */
					'	bagAmount	DECIMAL(30,20) NOT NULL, '.		/* Величина движения средств на кошельке */
					' FOREIGN KEY	(PT_ID) REFERENCES pay_transaction(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(currID) REFERENCES sys_currInfo(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(extAccID) REFERENCES pay_extAccounts(id) ON DELETE RESTRICT ON UPDATE RESTRICT, '.
					' FOREIGN KEY	(bagID) REFERENCES pay_bags(id) ON DELETE RESTRICT ON UPDATE RESTRICT '.
					') ENGINE=InnoDB CHARSET="utf8" COMMENT="Движения средств В/ИЗ системы"';
			break;