263 lines
8.4 KiB
Go
263 lines
8.4 KiB
Go
package agent
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import (
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"context"
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"fmt"
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"qnc-server/app/main/model"
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"qnc-server/common/ctxdata"
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"qnc-server/common/xerr"
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"qnc-server/pkg/lzkit/lzUtils"
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"regexp"
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"strings"
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"time"
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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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"qnc-server/app/main/api/internal/svc"
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"qnc-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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const (
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withdrawMethodAlipay int64 = 1
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withdrawMethodBankCard int64 = 2
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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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if req.WithdrawMethod != withdrawMethodAlipay && req.WithdrawMethod != withdrawMethodBankCard {
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return nil, errors.Wrapf(xerr.NewErrMsg("提现方式不支持"), "")
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}
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if strings.TrimSpace(req.PayeeName) == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("收款人姓名不能为空"), "")
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}
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if req.WithdrawMethod == withdrawMethodAlipay {
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if strings.TrimSpace(req.PayeeAccount) == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("支付宝账号不能为空"), "")
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}
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} else {
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if strings.TrimSpace(req.BankName) == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("开户行不能为空"), "")
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}
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bankCardNo := strings.TrimSpace(req.BankCardNo)
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if bankCardNo == "" {
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return nil, errors.Wrapf(xerr.NewErrMsg("银行卡号不能为空"), "")
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}
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if !regexp.MustCompile(`^\d{13,19}$`).MatchString(bankCardNo) {
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return nil, errors.Wrapf(xerr.NewErrMsg("银行卡号格式不正确"), "")
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}
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if !regexp.MustCompile(`^1[3-9]\d{9}$`).MatchString(strings.TrimSpace(req.BankReservedMobile)) {
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return nil, errors.Wrapf(xerr.NewErrMsg("银行预留手机号格式不正确"), "")
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}
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}
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// 4. 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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// 5. 验证余额
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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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// 6. 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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// 7. 生成提现单号
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withdrawNo := fmt.Sprintf("WD%d%s", time.Now().Unix(), agent.Id)
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// 8. 使用事务处理提现申请（申请时冻结余额，审核通过后扣减冻结余额）
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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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// 8.1 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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// 8.2 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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WithdrawMethod: req.WithdrawMethod,
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PayeeAccount: strings.TrimSpace(req.PayeeAccount),
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PayeeName: strings.TrimSpace(req.PayeeName),
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BankName: strings.TrimSpace(req.BankName),
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BankCardNo: strings.TrimSpace(req.BankCardNo),
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BankReservedMobile: strings.TrimSpace(req.BankReservedMobile),
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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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_, 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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// 8.3 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（MySQL 中 year_month 需反引号，避免与 YEAR 保留字冲突；del_state 由 FindAll 统一追加）
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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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