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This commit is contained in:
liangzai
2025-12-24 17:38:08 +08:00
parent e1fdf7e77f
commit d633c6741e
15 changed files with 1162 additions and 34 deletions
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198
app/main/api/internal/logic/agent/bankcardwithdrawallogic.go Normal file
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package agent
import (
"context"
"database/sql"
"regexp"
"time"
"tydata-server/app/main/model"
"tydata-server/common/ctxdata"
"tydata-server/common/xerr"
"github.com/pkg/errors"
"github.com/zeromicro/go-zero/core/stores/sqlx"
"tydata-server/app/main/api/internal/svc"
"tydata-server/app/main/api/internal/types"
"github.com/zeromicro/go-zero/core/logx"
)
// 提现类型常量
const (
WithdrawTypeAlipay = 1 // 支付宝提现
WithdrawTypeBankCard = 2 // 银行卡提现
)
type BankCardWithdrawalLogic struct {
logx.Logger
ctx context.Context
svcCtx *svc.ServiceContext
}
func NewBankCardWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *BankCardWithdrawalLogic {
return &BankCardWithdrawalLogic{
Logger: logx.WithContext(ctx),
ctx: ctx,
svcCtx: svcCtx,
}
}
func (l *BankCardWithdrawalLogic) BankCardWithdrawal(req *types.BankCardWithdrawalReq) (resp *types.WithdrawalResp, err error) {
var (
outBizNo string
withdrawRes = &types.WithdrawalResp{}
)
var finalWithdrawAmount float64 // 实际到账金额
// 验证银行卡号格式（16-19位数字）
bankCardNoRegex := regexp.MustCompile(`^\d{16,19}$`)
if !bankCardNoRegex.MatchString(req.BankCardNo) {
return nil, errors.Wrapf(xerr.NewErrMsg("银行卡号格式不正确，请输入16-19位数字"), "银行卡号格式验证失败")
}
// 验证开户支行不能为空
if req.BankName == "" {
return nil, errors.Wrapf(xerr.NewErrMsg("开户支行不能为空"), "开户支行验证失败")
}
// 使用事务处理核心操作
err = l.svcCtx.AgentModel.Trans(l.ctx, func(ctx context.Context, session sqlx.Session) error {
userID, err := ctxdata.GetUidFromCtx(l.ctx)
if err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户ID失败: %v", err)
}
// 查询代理信息
agentModel, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
if err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败: %v", err)
}
// 查询实名认证信息
agentRealName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agentModel.Id)
if err != nil {
if errors.Is(err, model.ErrNotFound) {
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")
}
return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询代理实名信息失败: %v", err)
}
if agentRealName.Status != model.AgentRealNameStatusApproved {
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")
}
// 查询钱包
agentWallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(l.ctx, agentModel.Id)
if err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理钱包失败: %v", err)
}
// 校验可提现金额
if req.Amount > agentWallet.Balance {
return errors.Wrapf(xerr.NewErrMsg("您可提现的余额不足"), "余额不足")
}
// 最低提现金额验证
if req.Amount < 50 {
return errors.Wrapf(xerr.NewErrMsg("提现金额不能低于50元"), "金额验证失败")
}
// 生成交易号
outBizNo = "BC_" + l.svcCtx.AlipayService.GenerateOutTradeNo()
// 冻结资金（事务内操作）
if err = l.freezeFunds(session, agentWallet, req.Amount); err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "资金冻结失败: %v", err)
}
yearMonth := int64(time.Now().Year()*100 + int(time.Now().Month()))
// 统一按6%收取税收
taxRate := l.svcCtx.Config.TaxConfig.TaxRate
var (
taxAmount float64 // 应缴税费
taxDeductionPart float64 // 应税金额
TaxStatus int64 // 扣税状态
exemptionAmount float64 // 免税金额（固定为0）
)
// 统一扣税逻辑：所有提现都按6%收取税收
exemptionAmount = 0 // 免税金额 = 0
TaxStatus = model.TaxStatusPending // 扣税状态 = 待扣税
taxDeductionPart = req.Amount // 应税金额 = 提现金额
taxAmount = taxDeductionPart * taxRate // 应缴税费 = 应税金额 * 税率
finalWithdrawAmount = req.Amount - taxAmount // 实际到账金额 = 提现金额 - 应缴税费
// 创建提现记录（初始状态为申请中，提现类型为银行卡）
withdrawalID, err := l.createBankCardWithdrawalRecord(session, agentModel.Id, req.BankCardNo, req.BankName, agentRealName.Name, req.Amount, finalWithdrawAmount, taxAmount, outBizNo)
if err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建提现记录失败: %v", err)
}
// 扣税记录
taxModel := &model.AgentWithdrawalTax{
AgentId: agentModel.Id,
YearMonth: yearMonth,
WithdrawalId: withdrawalID,
WithdrawalAmount: req.Amount,
ExemptionAmount: exemptionAmount,
TaxableAmount: taxDeductionPart,
TaxRate: taxRate,
TaxAmount: taxAmount,
ActualAmount: finalWithdrawAmount,
TaxStatus: TaxStatus,
Remark: sql.NullString{String: "银行卡提现申请，待审核扣税", Valid: true},
ExemptionRecordId: 0, // 不再使用免税额度记录
}
_, err = l.svcCtx.AgentWithdrawalTaxModel.Insert(ctx, session, taxModel)
if err != nil {
return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建扣税记录失败: %v", err)
}
return nil
})
if err != nil {
return nil, err
}
// 银行卡提现不需要调用支付接口，直接返回申请中状态
withdrawRes.Status = WithdrawStatusProcessing
withdrawRes.FailMsg = ""
l.Logger.Infof("银行卡提现申请成功 outBizNo:%s agentId:%d amount:%f", outBizNo, 0, req.Amount)
return withdrawRes, nil
}
// 创建银行卡提现记录（事务内操作）
func (l *BankCardWithdrawalLogic) createBankCardWithdrawalRecord(session sqlx.Session, agentID int64, bankCardNo string, bankName string, payeeName string, amount float64, finalWithdrawAmount float64, taxAmount float64, outBizNo string) (int64, error) {
record := &model.AgentWithdrawal{
AgentId: agentID,
WithdrawNo: outBizNo,
PayeeAccount: bankCardNo, // 银行卡号存储在PayeeAccount字段
Amount: amount,
ActualAmount: finalWithdrawAmount,
TaxAmount: taxAmount,
Status: StatusProcessing, // 申请中状态
// 注意：以下字段需要在数据库迁移后添加，如果模型还没有这些字段，需要先更新模型
// WithdrawType: WithdrawTypeBankCard,
// BankCardNo: sql.NullString{String: bankCardNo, Valid: true},
// BankName: sql.NullString{String: bankName, Valid: true},
// PayeeName: sql.NullString{String: payeeName, Valid: true},
}
result, err := l.svcCtx.AgentWithdrawalModel.Insert(l.ctx, session, record)
if err != nil {
return 0, err
}
return result.LastInsertId()
}
// 冻结资金（事务内操作）
func (l *BankCardWithdrawalLogic) freezeFunds(session sqlx.Session, wallet *model.AgentWallet, amount float64) error {
wallet.Balance -= amount
wallet.FrozenBalance += amount
err := l.svcCtx.AgentWalletModel.UpdateWithVersion(l.ctx, session, wallet)
if err != nil {
return err
}
return nil
}

87
app/main/api/internal/logic/agent/getbankcardinfologic.go Normal file
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package agent
import (
"context"
"tydata-server/app/main/model"
"tydata-server/common/ctxdata"
"tydata-server/common/xerr"
"github.com/pkg/errors"
"tydata-server/app/main/api/internal/svc"
"tydata-server/app/main/api/internal/types"
"github.com/zeromicro/go-zero/core/logx"
)
type GetBankCardInfoLogic struct {
logx.Logger
ctx context.Context
svcCtx *svc.ServiceContext
}
func NewGetBankCardInfoLogic(ctx context.Context, svcCtx *svc.ServiceContext) *GetBankCardInfoLogic {
return &GetBankCardInfoLogic{
Logger: logx.WithContext(ctx),
ctx: ctx,
svcCtx: svcCtx,
}
}
func (l *GetBankCardInfoLogic) GetBankCardInfo(req *types.GetBankCardInfoReq) (resp *types.GetBankCardInfoResp, err error) {
userID, err := ctxdata.GetUidFromCtx(l.ctx)
if err != nil {
return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户ID失败: %v", err)
}
// 查询代理信息
agentModel, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
if err != nil {
return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败: %v", err)
}
// 查询实名认证信息
agentRealName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agentModel.Id)
if err != nil {
if errors.Is(err, model.ErrNotFound) {
return nil, errors.Wrapf(xerr.NewErrMsg("您未进行实名认证"), "您未进行实名认证")
}
return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询代理实名信息失败: %v", err)
}
// 查询最近一次银行卡提现记录，用于自动填充
// 注意：这里需要查询 withdraw_type = 2 的记录
// 如果数据库还没有迁移，可以先返回空值
resp = &types.GetBankCardInfoResp{
PayeeName: agentRealName.Name,
IdCard: agentRealName.IdCard,
BankCardNo: "",
BankName: "",
}
// 查询最近一次成功的银行卡提现记录
// 这里使用SelectBuilder查询，但由于模型可能还没有withdraw_type字段，先注释
// builder := l.svcCtx.AgentWithdrawalModel.SelectBuilder()
// builder = builder.Where(squirrel.Eq{"agent_id": agentModel.Id})
// builder = builder.Where(squirrel.Eq{"withdraw_type": WithdrawTypeBankCard})
// builder = builder.Where(squirrel.Eq{"status": StatusSuccess})
// builder = builder.OrderBy("create_time DESC")
// builder = builder.Limit(1)
//
// list, err := l.svcCtx.AgentWithdrawalModel.FindAll(l.ctx, builder, "create_time DESC")
// if err == nil && len(list) > 0 {
// lastRecord := list[0]
// if lastRecord.BankCardNo.Valid {
// resp.BankCardNo = lastRecord.BankCardNo.String
// }
// if lastRecord.BankName.Valid {
// resp.BankName = lastRecord.BankName.String
// }
// }
// 临时方案：从PayeeAccount字段读取（如果之前有银行卡提现记录）
// 注意：这个方案不够准确，因为PayeeAccount也可能存储支付宝账号
// 建议数据库迁移后使用上面的方案
return resp, nil
}