package agent import ( "context" "fmt" "time" "ycc-server/app/main/model" "ycc-server/common/ctxdata" "ycc-server/common/globalkey" "ycc-server/common/xerr" "ycc-server/pkg/lzkit/lzUtils" "github.com/google/uuid" "github.com/pkg/errors" "github.com/zeromicro/go-zero/core/stores/sqlx" "ycc-server/app/main/api/internal/svc" "ycc-server/app/main/api/internal/types" "github.com/zeromicro/go-zero/core/logx" ) type ApplyWithdrawalLogic struct { logx.Logger ctx context.Context svcCtx *svc.ServiceContext } func NewApplyWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *ApplyWithdrawalLogic { return &ApplyWithdrawalLogic{ Logger: logx.WithContext(ctx), ctx: ctx, svcCtx: svcCtx, } } func (l *ApplyWithdrawalLogic) ApplyWithdrawal(req *types.ApplyWithdrawalReq) (resp *types.ApplyWithdrawalResp, err error) { userID, err := ctxdata.GetUidFromCtx(l.ctx) if err != nil { return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户信息失败, %v", err) } // 1. 获取代理信息 agent, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID) if err != nil { if errors.Is(err, model.ErrNotFound) { return nil, errors.Wrapf(xerr.NewErrMsg("您不是代理"), "") } return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败, %v", err) } // 2. 验证实名认证 realName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agent.Id) if err != nil { if errors.Is(err, model.ErrNotFound) { return nil, errors.Wrapf(xerr.NewErrMsg("请先完成实名认证"), "") } return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询实名认证失败, %v", err) } // 检查是否已通过三要素核验(verify_time不为空表示已通过) if !realName.VerifyTime.Valid { return nil, errors.Wrapf(xerr.NewErrMsg("请先完成实名认证"), "") } // 3. 验证提现金额 if req.Amount <= 0 { return nil, errors.Wrapf(xerr.NewErrMsg("提现金额必须大于0"), "") } // 4. 获取钱包信息 wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(l.ctx, agent.Id) if err != nil { return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询钱包失败, %v", err) } // 5. 验证余额 if wallet.Balance < req.Amount { return nil, errors.Wrapf(xerr.NewErrMsg(fmt.Sprintf("余额不足,当前余额:%.2f", wallet.Balance)), "") } // 6. 计算税费 yearMonth := int64(time.Now().Year()*100 + int(time.Now().Month())) taxInfo, err := l.calculateTax(l.ctx, agent.Id, req.Amount, yearMonth) if err != nil { return nil, errors.Wrapf(err, "计算税费失败") } // 7. 生成提现单号 withdrawNo := fmt.Sprintf("WD%d%d", time.Now().Unix(), agent.Id) // 8. 使用事务处理提现申请 var withdrawalId string err = l.svcCtx.AgentWalletModel.Trans(l.ctx, func(transCtx context.Context, session sqlx.Session) error { // 8.1 冻结余额 wallet.FrozenBalance += req.Amount wallet.Balance -= req.Amount if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(transCtx, session, wallet); err != nil { return errors.Wrapf(err, "冻结余额失败") } // 8.2 创建提现记录 withdrawal := &model.AgentWithdrawal{ Id: uuid.New().String(), AgentId: agent.Id, WithdrawNo: withdrawNo, PayeeAccount: req.PayeeAccount, PayeeName: req.PayeeName, Amount: req.Amount, ActualAmount: taxInfo.ActualAmount, TaxAmount: taxInfo.TaxAmount, Status: 1, // 处理中(待审核) } _, err := l.svcCtx.AgentWithdrawalModel.Insert(transCtx, session, withdrawal) if err != nil { return errors.Wrapf(err, "创建提现记录失败") } withdrawalId = withdrawal.Id // 8.3 创建扣税记录 taxRecord := &model.AgentWithdrawalTax{ AgentId: agent.Id, WithdrawalId: withdrawalId, YearMonth: yearMonth, WithdrawalAmount: req.Amount, TaxableAmount: taxInfo.TaxableAmount, TaxRate: taxInfo.TaxRate, TaxAmount: taxInfo.TaxAmount, ActualAmount: taxInfo.ActualAmount, TaxStatus: 1, // 待扣税 Remark: lzUtils.StringToNullString("提现申请"), } if _, err := l.svcCtx.AgentWithdrawalTaxModel.Insert(transCtx, session, taxRecord); err != nil { return errors.Wrapf(err, "创建扣税记录失败") } return nil }) if err != nil { return nil, err } return &types.ApplyWithdrawalResp{ WithdrawalId: withdrawalId, WithdrawalNo: withdrawNo, }, nil } // TaxInfo 税费信息 type TaxInfo struct { TaxableAmount float64 // 应税金额 TaxRate float64 // 税率 TaxAmount float64 // 税费金额 ActualAmount float64 // 实际到账金额 } // calculateTax 计算税费 func (l *ApplyWithdrawalLogic) calculateTax(ctx context.Context, agentId string, amount float64, yearMonth int64) (*TaxInfo, error) { // 获取税率配置(默认6%) taxRate := 0.06 config, err := l.svcCtx.AgentConfigModel.FindOneByConfigKey(ctx, "tax_rate") if err == nil { if parsedRate, parseErr := l.parseFloat(config.ConfigValue); parseErr == nil { taxRate = parsedRate } } // 查询本月已提现金额 builder := l.svcCtx.AgentWithdrawalTaxModel.SelectBuilder(). Where("agent_id = ? AND year_month = ? AND del_state = ?", agentId, yearMonth, globalkey.DelStateNo) taxRecords, err := l.svcCtx.AgentWithdrawalTaxModel.FindAll(ctx, builder, "") if err != nil { return nil, errors.Wrapf(err, "查询月度提现记录失败") } // 计算本月累计提现金额 monthlyTotal := 0.0 for _, record := range taxRecords { monthlyTotal += record.WithdrawalAmount } // 获取免税额度配置(默认0,即无免税额度) exemptionAmount := 0.0 exemptionConfig, err := l.svcCtx.AgentConfigModel.FindOneByConfigKey(ctx, "tax_exemption_amount") if err == nil { if parsedAmount, parseErr := l.parseFloat(exemptionConfig.ConfigValue); parseErr == nil { exemptionAmount = parsedAmount } } // 计算应税金额 // 如果本月累计 + 本次提现金额 <= 免税额度,则本次提现免税 // 否则,应税金额 = 本次提现金额 - (免税额度 - 本月累计)(如果免税额度 > 本月累计) taxableAmount := amount if exemptionAmount > 0 { remainingExemption := exemptionAmount - monthlyTotal if remainingExemption > 0 { if amount <= remainingExemption { // 本次提现完全免税 taxableAmount = 0 } else { // 部分免税 taxableAmount = amount - remainingExemption } } } // 计算税费 taxAmount := taxableAmount * taxRate actualAmount := amount - taxAmount return &TaxInfo{ TaxableAmount: taxableAmount, TaxRate: taxRate, TaxAmount: taxAmount, ActualAmount: actualAmount, }, nil } // parseFloat 解析浮点数 func (l *ApplyWithdrawalLogic) parseFloat(s string) (float64, error) { var result float64 _, err := fmt.Sscanf(s, "%f", &result) return result, err }