225 lines
7.7 KiB
Go
225 lines
7.7 KiB
Go
package agent
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import (
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"context"
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"database/sql"
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"regexp"
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"time"
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"tydata-server/app/main/model"
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"tydata-server/common/ctxdata"
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"tydata-server/common/xerr"
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"github.com/pkg/errors"
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"github.com/zeromicro/go-zero/core/stores/sqlx"
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"tydata-server/app/main/api/internal/svc"
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"tydata-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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// 提现类型常量
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const (
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WithdrawTypeAlipay = 1 // 支付宝提现
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WithdrawTypeBankCard = 2 // 银行卡提现
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)
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type BankCardWithdrawalLogic 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 NewBankCardWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *BankCardWithdrawalLogic {
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return &BankCardWithdrawalLogic{
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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 *BankCardWithdrawalLogic) BankCardWithdrawal(req *types.BankCardWithdrawalReq) (resp *types.WithdrawalResp, err error) {
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var (
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outBizNo string
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withdrawRes = &types.WithdrawalResp{}
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agentID int64
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)
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var finalWithdrawAmount float64 // 实际到账金额
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// 验证银行卡号格式（16-19位数字）
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bankCardNoRegex := regexp.MustCompile(`^\d{16,19}$`)
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if !bankCardNoRegex.MatchString(req.BankCardNo) {
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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")
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}
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// 验证开户支行不能为空
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if req.BankName == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("开户支行不能为空"), "开户支行验证失败")
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}
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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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agentID = agentModel.Id // 保存agentId用于日志
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// 查询实名认证信息
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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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// 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"), "余额不足")
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}
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// 最低提现金额验证
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if req.Amount < 50 {
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return errors.Wrapf(xerr.NewErrMsg("提现金额不能低于50元"), "金额验证失败")
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}
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// 生成交易号
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outBizNo = "BC_" + 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
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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（初始状态为申请中，提现类型为银行卡）
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withdrawalID, err := l.createBankCardWithdrawalRecord(session, agentModel.Id, req.BankCardNo, req.BankName, agentRealName.Name, 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: "银行卡提现申请，待审核扣税", 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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// 银行卡提现不需要调用支付接口，直接返回申请中状态
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withdrawRes.Status = WithdrawStatusProcessing
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withdrawRes.FailMsg = ""
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l.Logger.Infof("银行卡提现申请成功 outBizNo:%s agentId:%d amount:%f", outBizNo, agentID, req.Amount)
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return withdrawRes, nil
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}
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// 创建银行卡提现记录（事务内操作）
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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) {
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record := &model.AgentWithdrawal{
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AgentId: agentID,
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WithdrawType: WithdrawTypeBankCard, // 银行卡提现
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WithdrawNo: outBizNo,
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PayeeAccount: bankCardNo, // 银行卡号存储在PayeeAccount字段
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Amount: amount,
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ActualAmount: finalWithdrawAmount,
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TaxAmount: taxAmount,
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Status: StatusProcessing, // 申请中状态
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BankCardNo: sql.NullString{String: bankCardNo, Valid: true},
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BankName: sql.NullString{String: bankName, Valid: true},
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PayeeName: sql.NullString{String: payeeName, Valid: true},
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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 *BankCardWithdrawalLogic) freezeFunds(session sqlx.Session, wallet *model.AgentWallet, amount float64) error {
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// 记录变动前的余额
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balanceBefore := wallet.Balance
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frozenBalanceBefore := wallet.FrozenBalance
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// 更新钱包余额
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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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// 记录交易流水（冻结操作）
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err = l.svcCtx.AgentService.CreateWalletTransaction(
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l.ctx,
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session,
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wallet.AgentId,
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model.WalletTransactionTypeFreeze,
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amount, // 变动金额
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balanceBefore, // 变动前余额
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wallet.Balance, // 变动后余额
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frozenBalanceBefore, // 变动前冻结余额
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wallet.FrozenBalance, // 变动后冻结余额
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"", // 关联交易ID（暂时为空，创建提现记录后可以更新）
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0, // 关联用户ID
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"提现申请冻结资金", // 备注
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)
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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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