313 lines
10 KiB
Go
313 lines
10 KiB
Go
package agent
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import (
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"context"
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"fmt"
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"time"
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"ycc-server/app/main/model"
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"ycc-server/common/ctxdata"
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"ycc-server/common/xerr"
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"ycc-server/pkg/lzkit/lzUtils"
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"github.com/google/uuid"
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"github.com/pkg/errors"
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"github.com/zeromicro/go-zero/core/stores/sqlx"
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"ycc-server/app/main/api/internal/svc"
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"ycc-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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type ApplyWithdrawalLogic 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 NewApplyWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *ApplyWithdrawalLogic {
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return &ApplyWithdrawalLogic{
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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 *ApplyWithdrawalLogic) ApplyWithdrawal(req *types.ApplyWithdrawalReq) (resp *types.ApplyWithdrawalResp, err error) {
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userID, err := ctxdata.GetUidFromCtx(l.ctx)
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if err != nil {
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return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户信息失败, %v", err)
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}
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// 1. 获取代理信息
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agent, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
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if err != nil {
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if errors.Is(err, model.ErrNotFound) {
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return nil, errors.Wrapf(xerr.NewErrMsg("您不是代理"), "")
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}
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return nil, 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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// 2. 验证实名认证
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realName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agent.Id)
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if err != nil {
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if errors.Is(err, model.ErrNotFound) {
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return nil, errors.Wrapf(xerr.NewErrMsg("请先完成实名认证"), "")
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}
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return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询实名认证失败, %v", err)
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}
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// 检查是否已通过三要素核验（verify_time不为空表示已通过）
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if !realName.VerifyTime.Valid {
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return nil, errors.Wrapf(xerr.NewErrMsg("请先完成实名认证"), "")
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}
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// 3. 验证提现方式
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if req.WithdrawalType != 1 && req.WithdrawalType != 2 {
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return nil, errors.Wrapf(xerr.NewErrMsg("提现方式无效"), "")
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}
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// 4. 验证提现信息
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if req.WithdrawalType == 1 {
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// 支付宝提现：验证支付宝账号和姓名
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if req.PayeeAccount == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("请输入支付宝账号"), "")
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}
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if req.PayeeName == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("请输入收款人姓名"), "")
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}
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} else if req.WithdrawalType == 2 {
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// 银行卡提现：验证银行卡号、开户行和姓名
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if req.BankCardNo == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("请输入银行卡号"), "")
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}
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if req.BankName == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("请输入开户行名称"), "")
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}
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if req.PayeeName == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("请输入收款人姓名"), "")
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}
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}
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// 5. 验证提现金额
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if req.Amount <= 0 {
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return nil, errors.Wrapf(xerr.NewErrMsg("提现金额必须大于0"), "")
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}
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// 6. 获取钱包信息
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wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(l.ctx, agent.Id)
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if err != nil {
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return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询钱包失败, %v", err)
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}
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// 7. 验证余额（包括检查是否为负数）
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if wallet.Balance < 0 {
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return nil, errors.Wrapf(xerr.NewErrMsg(fmt.Sprintf("账户存在欠款，请先补足欠款后再申请提现，当前余额：%.2f", wallet.Balance)), "")
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}
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if wallet.Balance < req.Amount {
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return nil, errors.Wrapf(xerr.NewErrMsg(fmt.Sprintf("余额不足，当前余额：%.2f", wallet.Balance)), "")
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}
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// 8. 支付宝月度提现额度校验（仅针对支付宝提现）
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if req.WithdrawalType == 1 {
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now := time.Now()
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monthStart := time.Date(now.Year(), now.Month(), 1, 0, 0, 0, 0, now.Location())
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nextMonthStart := monthStart.AddDate(0, 1, 0)
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// 8.1 获取支付宝月度额度配置（默认 800 元）
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alipayQuota := 800.0
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if cfg, cfgErr := l.svcCtx.AgentConfigModel.FindOneByConfigKey(l.ctx, "alipay_month_quota"); cfgErr == nil {
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if parsed, parseErr := l.parseFloat(cfg.ConfigValue); parseErr == nil && parsed > 0 {
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alipayQuota = parsed
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}
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}
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// 8.2 统计本月已申请/成功的支付宝提现金额（status IN (1,5)），避免多次申请占用超额
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withdrawBuilder := l.svcCtx.AgentWithdrawalModel.SelectBuilder().
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Where("agent_id = ? AND withdrawal_type = ? AND status IN (1,5) AND create_time >= ? AND create_time < ?",
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agent.Id, 1, monthStart, nextMonthStart)
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usedAmount, sumErr := l.svcCtx.AgentWithdrawalModel.FindSum(l.ctx, withdrawBuilder, "amount")
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if sumErr != nil {
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return nil, errors.Wrapf(sumErr, "查询本月支付宝提现额度使用情况失败")
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}
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remainQuota := alipayQuota - usedAmount
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if remainQuota <= 0 {
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return nil, errors.Wrapf(
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xerr.NewErrMsg(fmt.Sprintf("本月支付宝提现额度已用完（额度：%.2f 元），请使用银行卡提现", alipayQuota)),
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"",
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)
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}
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if req.Amount > remainQuota {
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return nil, errors.Wrapf(
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xerr.NewErrMsg(fmt.Sprintf("本月支付宝最高可提现 %.2f 元，请调整提现金额或使用银行卡提现", remainQuota)),
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"",
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)
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}
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}
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// 9. 计算税费
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yearMonth := int64(time.Now().Year()*100 + int(time.Now().Month()))
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taxInfo, err := l.calculateTax(l.ctx, agent.Id, req.Amount, yearMonth)
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if err != nil {
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return nil, errors.Wrapf(err, "计算税费失败")
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}
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// 10. 生成提现单号（WD开头 + GenerateOutTradeNo生成的订单号，确保总长度不超过32个字符）
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orderNo := l.svcCtx.AlipayService.GenerateOutTradeNo()
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withdrawNo := "WD" + orderNo
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// 确保总长度不超过32个字符
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if len(withdrawNo) > 32 {
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withdrawNo = withdrawNo[:32]
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}
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// 11. 使用事务处理提现申请
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var withdrawalId string
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err = l.svcCtx.AgentWalletModel.Trans(l.ctx, func(transCtx context.Context, session sqlx.Session) error {
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// 11.1 冻结余额
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wallet.FrozenBalance += req.Amount
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wallet.Balance -= req.Amount
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if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(transCtx, session, wallet); err != nil {
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return errors.Wrapf(err, "冻结余额失败")
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}
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// 11.2 创建提现记录
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withdrawal := &model.AgentWithdrawal{
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Id: uuid.New().String(),
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AgentId: agent.Id,
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WithdrawNo: withdrawNo,
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WithdrawalType: req.WithdrawalType,
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PayeeAccount: req.PayeeAccount,
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PayeeName: req.PayeeName,
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Amount: req.Amount,
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ActualAmount: taxInfo.ActualAmount,
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TaxAmount: taxInfo.TaxAmount,
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Status: 1, // 待审核
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}
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// 如果是银行卡提现，设置银行卡相关字段
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if req.WithdrawalType == 2 {
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withdrawal.BankCardNo = lzUtils.StringToNullString(req.BankCardNo)
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withdrawal.BankName = lzUtils.StringToNullString(req.BankName)
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// 银行卡提现时，payee_account 可以存储银行卡号（便于查询），也可以留空
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if req.PayeeAccount == "" {
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withdrawal.PayeeAccount = req.BankCardNo
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}
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}
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_, err := l.svcCtx.AgentWithdrawalModel.Insert(transCtx, session, withdrawal)
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if err != nil {
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return errors.Wrapf(err, "创建提现记录失败")
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}
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withdrawalId = withdrawal.Id
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// 11.3 创建扣税记录
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taxRecord := &model.AgentWithdrawalTax{
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AgentId: agent.Id,
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WithdrawalId: withdrawalId,
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YearMonth: yearMonth,
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WithdrawalAmount: req.Amount,
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TaxableAmount: taxInfo.TaxableAmount,
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TaxRate: taxInfo.TaxRate,
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TaxAmount: taxInfo.TaxAmount,
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ActualAmount: taxInfo.ActualAmount,
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TaxStatus: 1, // 待扣税
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Remark: lzUtils.StringToNullString("提现申请"),
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}
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if _, err := l.svcCtx.AgentWithdrawalTaxModel.Insert(transCtx, session, taxRecord); err != nil {
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return errors.Wrapf(err, "创建扣税记录失败")
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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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return &types.ApplyWithdrawalResp{
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WithdrawalId: withdrawalId,
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WithdrawalNo: withdrawNo,
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}, nil
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}
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// TaxInfo 税费信息
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type TaxInfo struct {
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TaxableAmount float64 // 应税金额
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TaxRate float64 // 税率
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TaxAmount float64 // 税费金额
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ActualAmount float64 // 实际到账金额
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}
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// calculateTax 计算税费
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func (l *ApplyWithdrawalLogic) calculateTax(ctx context.Context, agentId string, amount float64, yearMonth int64) (*TaxInfo, error) {
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// 获取税率配置（默认6%）
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taxRate := 0.06
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config, err := l.svcCtx.AgentConfigModel.FindOneByConfigKey(ctx, "tax_rate")
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if err == nil {
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if parsedRate, parseErr := l.parseFloat(config.ConfigValue); parseErr == nil {
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taxRate = parsedRate
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}
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}
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// 查询本月已提现金额
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// 注意：FindAll 方法会自动添加 del_state = ? 条件，所以这里不需要手动添加
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// 这里对 year_month 使用反引号包裹，避免与某些数据库版本/SQL 模式下的关键字冲突
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builder := l.svcCtx.AgentWithdrawalTaxModel.SelectBuilder().
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Where("agent_id = ? AND `year_month` = ?", agentId, yearMonth)
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taxRecords, err := l.svcCtx.AgentWithdrawalTaxModel.FindAll(ctx, builder, "")
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if err != nil {
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return nil, errors.Wrapf(err, "查询月度提现记录失败")
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}
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// 计算本月累计提现金额
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monthlyTotal := 0.0
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for _, record := range taxRecords {
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monthlyTotal += record.WithdrawalAmount
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}
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// 获取免税额度配置（默认0，即无免税额度）
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exemptionAmount := 0.0
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exemptionConfig, err := l.svcCtx.AgentConfigModel.FindOneByConfigKey(ctx, "tax_exemption_amount")
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if err == nil {
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if parsedAmount, parseErr := l.parseFloat(exemptionConfig.ConfigValue); parseErr == nil {
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exemptionAmount = parsedAmount
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}
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}
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// 计算应税金额
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// 如果本月累计 + 本次提现金额 <= 免税额度，则本次提现免税
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// 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）
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taxableAmount := amount
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if exemptionAmount > 0 {
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remainingExemption := exemptionAmount - monthlyTotal
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if remainingExemption > 0 {
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if amount <= remainingExemption {
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// 本次提现完全免税
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taxableAmount = 0
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} else {
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// 部分免税
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taxableAmount = amount - remainingExemption
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}
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}
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}
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// 计算税费
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taxAmount := taxableAmount * taxRate
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actualAmount := amount - taxAmount
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return &TaxInfo{
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TaxableAmount: taxableAmount,
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TaxRate: taxRate,
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TaxAmount: taxAmount,
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ActualAmount: actualAmount,
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}, nil
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}
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// parseFloat 解析浮点数
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func (l *ApplyWithdrawalLogic) parseFloat(s string) (float64, error) {
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var result float64
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_, err := fmt.Sscanf(s, "%f", &result)
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return result, err
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}
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