411 lines
15 KiB
Go
411 lines
15 KiB
Go
package agent
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import (
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"context"
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"database/sql"
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"fmt"
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"hm-server/app/main/model"
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"hm-server/common/ctxdata"
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"hm-server/common/xerr"
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"hm-server/pkg/lzkit/lzUtils"
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"time"
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"github.com/cenkalti/backoff/v4"
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"github.com/pkg/errors"
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"github.com/smartwalle/alipay/v3"
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"github.com/zeromicro/go-zero/core/stores/sqlx"
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"hm-server/app/main/api/internal/svc"
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"hm-server/app/main/api/internal/types"
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"github.com/zeromicro/go-zero/core/logx"
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)
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// 状态常量
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const (
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StatusProcessing = 1 // 处理中
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StatusSuccess = 2 // 成功
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StatusFailed = 3 // 失败
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)
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// 前端响应状态
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const (
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WithdrawStatusProcessing = 1
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WithdrawStatusSuccess = 2
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WithdrawStatusFailed = 3
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)
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type AgentWithdrawalLogic struct {
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logx.Logger
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ctx context.Context
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svcCtx *svc.ServiceContext
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}
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func NewAgentWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *AgentWithdrawalLogic {
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return &AgentWithdrawalLogic{
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Logger: logx.WithContext(ctx),
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ctx: ctx,
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svcCtx: svcCtx,
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}
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}
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func (l *AgentWithdrawalLogic) AgentWithdrawal(req *types.WithdrawalReq) (*types.WithdrawalResp, error) {
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var (
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outBizNo string
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withdrawRes = &types.WithdrawalResp{}
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)
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var finalWithdrawAmount float64 // 实际到账金额
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// 使用事务处理核心操作
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err := l.svcCtx.AgentModel.Trans(l.ctx, func(ctx context.Context, session sqlx.Session) error {
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userID, err := ctxdata.GetUidFromCtx(l.ctx)
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if err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户ID失败: %v", err)
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}
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// 查询代理信息
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agentModel, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
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if err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败: %v", err)
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}
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agentRealName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agentModel.Id)
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if err != nil {
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if errors.Is(err, model.ErrNotFound) {
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return errors.Wrapf(xerr.NewErrMsg("您未进行实名认证, 无法提现"), "您未进行实名认证")
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}
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return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询代理实名信息失败: %v", err)
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}
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if agentRealName.Status != model.AgentRealNameStatusApproved {
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return errors.Wrapf(xerr.NewErrMsg("您的实名认证未通过, 无法提现"), "您的实名认证未通过")
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}
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if agentRealName.Name != req.PayeeName {
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return errors.Wrapf(xerr.NewErrMsg("您的实名认证信息不匹配, 无法提现"), "您的实名认证信息不匹配")
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}
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// 查询钱包
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agentWallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(l.ctx, agentModel.Id)
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if err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理钱包失败: %v", err)
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}
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// 校验可提现金额
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if req.Amount > agentWallet.Balance {
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return errors.Wrapf(xerr.NewErrMsg("您可提现的余额不足"), "获取用户ID失败")
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}
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// 生成交易号
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outBizNo = "W_" + l.svcCtx.AlipayService.GenerateOutTradeNo()
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// 冻结资金（事务内操作）
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if err = l.freezeFunds(session, agentWallet, req.Amount); err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "资金冻结失败: %v", err)
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}
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yearMonth := int64(time.Now().Year()*100 + int(time.Now().Month()))
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// 统一按6%收取税收，不再有免税额度
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taxRate := l.svcCtx.Config.TaxConfig.TaxRate
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var (
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taxAmount float64 // 应缴税费
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taxDeductionPart float64 // 应税金额
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TaxStatus int64 // 扣税状态
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exemptionAmount float64 // 免税金额（固定为0）
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)
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// 统一扣税逻辑：所有提现都按6%收取税收
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exemptionAmount = 0 // 免税金额 = 0
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TaxStatus = model.TaxStatusPending // 扣税状态 = 待扣税
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taxDeductionPart = req.Amount // 应税金额 = 提现金额
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taxAmount = taxDeductionPart * taxRate // 应缴税费 = 应税金额 * 税率
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finalWithdrawAmount = req.Amount - taxAmount // 实际到账金额 = 提现金额 - 应缴税费
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// 创建提现记录（初始状态为处理中）
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withdrawalID, err := l.createWithdrawalRecord(session, agentModel.Id, req.PayeeAccount, req.Amount, finalWithdrawAmount, taxAmount, outBizNo)
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if err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建提现记录失败: %v", err)
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}
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// 扣税记录
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taxModel := &model.AgentWithdrawalTax{
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AgentId: agentModel.Id,
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YearMonth: yearMonth,
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WithdrawalId: withdrawalID,
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WithdrawalAmount: req.Amount,
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ExemptionAmount: exemptionAmount,
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TaxableAmount: taxDeductionPart,
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TaxRate: taxRate,
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TaxAmount: taxAmount,
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ActualAmount: finalWithdrawAmount,
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TaxStatus: TaxStatus,
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Remark: sql.NullString{String: "提现成功自动扣税", Valid: true},
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ExemptionRecordId: 0, // 不再使用免税额度记录
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}
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_, err = l.svcCtx.AgentWithdrawalTaxModel.Insert(ctx, session, taxModel)
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if err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建扣税记录失败: %v", err)
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}
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return nil
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})
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if err != nil {
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return nil, err
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}
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// 同步调用支付宝转账
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transferResp, err := l.svcCtx.AlipayService.AliTransfer(l.ctx, req.PayeeAccount, req.PayeeName, finalWithdrawAmount, "代理提现", outBizNo)
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if err != nil {
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l.Logger.Errorf("【支付宝转账失败】outBizNo:%s error:%v", outBizNo, err)
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l.handleTransferError(outBizNo, err, "支付宝接口调用失败")
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return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "支付宝接口调用失败: %v", err)
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}
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switch {
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case transferResp.Status == "SUCCESS":
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// 立即处理成功状态
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l.handleTransferSuccess(outBizNo, transferResp)
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withdrawRes.Status = WithdrawStatusSuccess
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case transferResp.Status == "FAIL" || transferResp.SubCode != "":
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// 处理明确失败
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errorMsg := l.mapAlipayError(transferResp.SubCode)
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l.handleTransferFailure(outBizNo, transferResp)
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withdrawRes.Status = WithdrawStatusFailed
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withdrawRes.FailMsg = errorMsg
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case transferResp.Status == "DEALING":
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// 处理中状态，启动异步轮询
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go l.startAsyncPolling(outBizNo)
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withdrawRes.Status = WithdrawStatusProcessing
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default:
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// 未知状态按失败处理
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l.handleTransferError(outBizNo, fmt.Errorf("未知状态:%s", transferResp.Status), "支付宝返回未知状态")
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return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "支付宝接口调用失败: %v", err)
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}
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return withdrawRes, nil
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}
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// 错误类型映射
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func (l *AgentWithdrawalLogic) mapAlipayError(code string) string {
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errorMapping := map[string]string{
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// 账户存在性错误
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"PAYEE_ACCOUNT_NOT_EXSIT": "收款账户不存在，请检查账号是否正确",
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"PAYEE_NOT_EXIST": "收款账户不存在或姓名有误，请核实信息",
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"PAYEE_ACC_OCUPIED": "收款账号存在多个账户，无法确认唯一性",
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"PAYEE_MID_CANNOT_SAME": "收款方和中间方不能是同一个人，请修改收款方或者中间方信息",
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// 实名认证问题
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"PAYEE_CERTIFY_LEVEL_LIMIT": "收款方未完成实名认证",
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"PAYEE_NOT_RELNAME_CERTIFY": "收款方未完成实名认证",
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"PAYEE_CERT_INFO_ERROR": "收款方证件信息不匹配",
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// 账户状态异常
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"PAYEE_ACCOUNT_STATUS_ERROR": "收款账户状态异常，请更换账号",
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"PAYEE_USERINFO_STATUS_ERROR": "收款账户状态异常，无法收款",
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"PERMIT_LIMIT_PAYEE": "收款账户异常，请更换账号",
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"BLOCK_USER_FORBBIDEN_RECIEVE": "账户冻结无法收款",
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"PAYEE_TRUSTEESHIP_ACC_OVER_LIMIT": "收款方托管子户累计收款金额超限",
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// 账户信息错误
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"PAYEE_USERINFO_ERROR": "收款方姓名或信息不匹配",
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"PAYEE_CARD_INFO_ERROR": "收款支付宝账号及户名不一致",
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"PAYEE_IDENTITY_NOT_MATCH": "收款方身份信息不匹配",
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"PAYEE_USER_IS_INST": "收款方为金融机构，不能使用提现功能，请更换收款账号",
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"PAYEE_USER_TYPE_ERROR": "该支付宝账号类型不支持提现，请更换收款账号",
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// 权限与限制
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"PAYEE_RECEIVE_COUNT_EXCEED_LIMIT": "收款次数超限，请明日再试",
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"PAYEE_OUT_PERMLIMIT_CHECK_FAILURE": "收款方权限校验不通过",
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"PERMIT_NON_BANK_LIMIT_PAYEE": "收款方未完善身份信息，无法收款",
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}
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if msg, ok := errorMapping[code]; ok {
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return msg
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}
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return "系统错误，请联系客服"
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}
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// 创建提现记录（事务内操作）
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func (l *AgentWithdrawalLogic) createWithdrawalRecord(session sqlx.Session, agentID int64, payeeAccount string, amount float64, finalWithdrawAmount float64, taxAmount float64, outBizNo string) (int64, error) {
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record := &model.AgentWithdrawal{
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AgentId: agentID,
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WithdrawNo: outBizNo,
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PayeeAccount: payeeAccount,
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Amount: amount,
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ActualAmount: finalWithdrawAmount,
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TaxAmount: taxAmount,
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Status: StatusProcessing,
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}
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result, err := l.svcCtx.AgentWithdrawalModel.Insert(l.ctx, session, record)
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if err != nil {
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return 0, err
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}
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return result.LastInsertId()
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}
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// 冻结资金（事务内操作）
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func (l *AgentWithdrawalLogic) freezeFunds(session sqlx.Session, wallet *model.AgentWallet, amount float64) error {
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wallet.Balance -= amount
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wallet.FrozenBalance += amount
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err := l.svcCtx.AgentWalletModel.UpdateWithVersion(l.ctx, session, wallet)
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if err != nil {
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return err
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}
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return nil
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}
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// 处理异步轮询
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func (l *AgentWithdrawalLogic) startAsyncPolling(outBizNo string) {
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go func() {
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detachedCtx := context.WithoutCancel(l.ctx)
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retryConfig := &backoff.ExponentialBackOff{
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InitialInterval: 10 * time.Second,
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RandomizationFactor: 0.5, // 增加随机因子防止惊群
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Multiplier: 2,
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MaxInterval: 30 * time.Second,
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MaxElapsedTime: 5 * time.Minute, // 缩短总超时
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Clock: backoff.SystemClock,
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}
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retryConfig.Reset()
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operation := func() error {
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statusRsp, err := l.svcCtx.AlipayService.QueryTransferStatus(detachedCtx, outBizNo)
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if err != nil {
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return err // 触发重试
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}
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switch statusRsp.Status {
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case "SUCCESS":
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l.handleTransferSuccess(outBizNo, statusRsp)
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return nil
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case "FAIL":
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l.handleTransferFailure(outBizNo, statusRsp)
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return nil
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default:
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return fmt.Errorf("转账处理中")
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}
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}
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err := backoff.RetryNotify(operation,
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backoff.WithContext(retryConfig, detachedCtx),
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func(err error, duration time.Duration) {
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l.Logger.Infof("轮询延迟 outBizNo:%s 等待:%v", outBizNo, duration)
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})
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if err != nil {
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l.handleTransferTimeout(outBizNo)
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}
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}()
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}
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// 统一状态更新
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func (l *AgentWithdrawalLogic) updateWithdrawalStatus(outBizNo string, status int64, errorMsg string) {
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detachedCtx := context.WithoutCancel(l.ctx)
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err := l.svcCtx.AgentModel.Trans(detachedCtx, func(ctx context.Context, session sqlx.Session) error {
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// 获取提现记录
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record, err := l.svcCtx.AgentWithdrawalModel.FindOneByWithdrawNo(l.ctx, outBizNo)
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if err != nil {
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return err
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}
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// 更新状态
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record.Status = status
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record.Remark = lzUtils.StringToNullString(errorMsg)
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if _, err = l.svcCtx.AgentWithdrawalModel.Update(ctx, session, record); err != nil {
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return err
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}
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// 失败时解冻资金
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if status == StatusFailed {
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wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(ctx, record.AgentId)
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if err != nil {
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return err
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}
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wallet.Balance += record.Amount
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wallet.FrozenBalance -= record.Amount
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if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(ctx, session, wallet); err != nil {
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return err
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}
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taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
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if err != nil {
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return err
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}
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if taxModel.TaxStatus == model.TaxStatusPending {
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taxModel.TaxStatus = model.TaxStatusFailed // 扣税状态 = 失败
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taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
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if err := l.svcCtx.AgentWithdrawalTaxModel.UpdateWithVersion(ctx, session, taxModel); err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
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}
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}
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// 不再需要恢复免税额度，因为统一按6%收取税收
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}
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if status == StatusSuccess {
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wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(ctx, record.AgentId)
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if err != nil {
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return err
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}
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wallet.FrozenBalance -= record.Amount
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if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(ctx, session, wallet); err != nil {
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return err
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}
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taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
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if err != nil {
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return err
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}
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if taxModel.TaxStatus == model.TaxStatusPending {
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taxModel.TaxStatus = model.TaxStatusSuccess // 扣税状态 = 成功
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taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
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if err := l.svcCtx.AgentWithdrawalTaxModel.UpdateWithVersion(ctx, session, taxModel); err != nil {
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return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
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}
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}
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}
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return nil
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})
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if err != nil {
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l.Logger.Errorf("状态更新失败 outBizNo:%s error:%v", outBizNo, err)
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}
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}
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// 成功处理
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func (l *AgentWithdrawalLogic) handleTransferSuccess(outBizNo string, rsp interface{}) {
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l.updateWithdrawalStatus(outBizNo, StatusSuccess, "")
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l.Logger.Infof("提现成功 outBizNo:%s", outBizNo)
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}
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// 失败处理
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func (l *AgentWithdrawalLogic) handleTransferFailure(outBizNo string, rsp interface{}) {
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var errorMsg string
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if resp, ok := rsp.(*alipay.FundTransUniTransferRsp); ok {
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errorMsg = l.mapAlipayError(resp.SubCode)
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}
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l.updateWithdrawalStatus(outBizNo, StatusFailed, errorMsg)
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l.Logger.Errorf("提现失败 outBizNo:%s reason:%s", outBizNo, errorMsg)
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}
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// 超时处理
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func (l *AgentWithdrawalLogic) handleTransferTimeout(outBizNo string) {
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l.updateWithdrawalStatus(outBizNo, StatusFailed, "系统处理超时")
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l.Logger.Errorf("轮询超时 outBizNo:%s", outBizNo)
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}
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// 错误处理
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func (l *AgentWithdrawalLogic) handleTransferError(outBizNo string, err error, contextMsg string) {
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l.updateWithdrawalStatus(outBizNo, StatusFailed, "系统处理异常")
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l.Logger.Errorf("%s outBizNo:%s error:%v", contextMsg, outBizNo, err)
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}
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func (l *AgentWithdrawalLogic) createMonthlyExemption(session sqlx.Session, agentId int64, yearMonth int64) (*model.AgentWithdrawalTaxExemption, error) {
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exemption := &model.AgentWithdrawalTaxExemption{
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AgentId: agentId,
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YearMonth: yearMonth,
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TotalExemptionAmount: l.svcCtx.Config.TaxConfig.TaxExemptionAmount,
|
||
UsedExemptionAmount: 0.00,
|
||
RemainingExemptionAmount: l.svcCtx.Config.TaxConfig.TaxExemptionAmount,
|
||
}
|
||
|
||
result, err := l.svcCtx.AgentWithdrawalTaxExemptionModel.Insert(l.ctx, session, exemption)
|
||
if err != nil {
|
||
return nil, err
|
||
}
|
||
|
||
id, _ := result.LastInsertId()
|
||
exemption.Id = id
|
||
return exemption, nil
|
||
}
|