f

2026-01-22 16:04:12 +08:00
commit 864c4168b9
605 changed files with 64539 additions and 0 deletions
--- a/app/main/api/internal/logic/agent/bankcardwithdrawallogic.go
+++ b/app/main/api/internal/logic/agent/bankcardwithdrawallogic.go
@@ -0,0 +1,224 @@
+package agent
+
+import (
+	"context"
+	"database/sql"
+	"regexp"
+	"time"
+	"tyc-server/app/main/model"
+	"tyc-server/common/ctxdata"
+	"tyc-server/common/xerr"
+
+	"github.com/pkg/errors"
+	"github.com/zeromicro/go-zero/core/stores/sqlx"
+
+	"tyc-server/app/main/api/internal/svc"
+	"tyc-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{}
+		agentID     int64
+	)
+	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)
+		}
+		agentID = agentModel.Id // 保存agentId用于日志
+
+		// 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, agentID, 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,
+		WithdrawType: WithdrawTypeBankCard, // 银行卡提现
+		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
+		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 {
+	// 记录变动前的余额
+	balanceBefore := wallet.Balance
+	frozenBalanceBefore := wallet.FrozenBalance
+
+	// 更新钱包余额
+	wallet.Balance -= amount
+	wallet.FrozenBalance += amount
+	err := l.svcCtx.AgentWalletModel.UpdateWithVersion(l.ctx, session, wallet)
+	if err != nil {
+		return err
+	}
+
+	// 记录交易流水（冻结操作）
+	err = l.svcCtx.AgentService.CreateWalletTransaction(
+		l.ctx,
+		session,
+		wallet.AgentId,
+		model.WalletTransactionTypeFreeze,
+		amount,               // 变动金额
+		balanceBefore,        // 变动前余额
+		wallet.Balance,       // 变动后余额
+		frozenBalanceBefore,  // 变动前冻结余额
+		wallet.FrozenBalance, // 变动后冻结余额
+		"",                   // 关联交易ID（暂时为空，创建提现记录后可以更新）
+		0,                    // 关联用户ID
+		"提现申请冻结资金",           // 备注
+	)
+	if err != nil {
+		return err
+	}
+
+	return nil
+}