package com.tourguide.common.huifu.biz;
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import com.alibaba.fastjson.JSONArray;
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import com.alibaba.fastjson.JSONObject;
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import com.huifu.bspay.sdk.opps.core.net.BasePayRequest;
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import com.tourguide.common.huifu.properties.HuiFuProperties;
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import org.slf4j.Logger;
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import org.slf4j.LoggerFactory;
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import org.springframework.beans.factory.annotation.Autowired;
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import org.springframework.stereotype.Component;
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import java.math.BigDecimal;
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import java.util.HashMap;
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import java.util.Map;
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/**
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* 斗拱进件业务。
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*
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* 备注：该类只负责把本项目导游开户资料提交给斗拱；导游账号、银行卡和审核状态应由上层业务服务落库。
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*/
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@Component
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public class DouGongBasicDataBiz {
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private static final Logger log = LoggerFactory.getLogger(DouGongBasicDataBiz.class);
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@Autowired
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private HuiFuProperties huiFuProperties;
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/**
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* 个人用户基本信息开户
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*
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* 备注：先创建斗拱个人基础资料，成功后才能继续调用业务入驻和结算卡配置。
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*
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* @return
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* @throws Exception
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*/
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public Map<String, Object> userBasicDataIndv(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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// 1. 数据初始化，填入对应的商户配置
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DouGongRequestSupport.initBasePay(huiFuProperties);
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// 2.组装请求参数
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Map<String, Object> paramsInfo = new HashMap<>();
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// 请求流水号（动态生成，确保唯一性）
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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// 请求日期
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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// 个人证件类型
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paramsInfo.put("cert_type", "00");
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String[] certificateExpireDateArr = userWithdrawal.getCertificateExpireTime().split("，");
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String startDateStr = certificateExpireDateArr[0];
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// 个人证件有效期开始日期2023-08-02，2043-08-02
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paramsInfo.put("cert_begin_date", startDateStr.replace("-", ""));
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// 个人证件有效期截止日期
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String endDateStr = certificateExpireDateArr[1];
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if (!"长期".equals(endDateStr)) {
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String formatEndDate = endDateStr.replace("-", "");
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paramsInfo.put("cert_end_date", formatEndDate);
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// 个人证件有效期类型
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paramsInfo.put("cert_validity_type", "0");
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}else {
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// 个人证件有效期类型
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paramsInfo.put("cert_validity_type", "1");
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}
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// 手机号
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paramsInfo.put("mobile_no", userWithdrawal.getPhone());
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// 个人姓名
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paramsInfo.put("name", userWithdrawal.getOpenAccountName());
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// 个人证件号码
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paramsInfo.put("cert_no", userWithdrawal.getCertificateCode());
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// 管理员账号
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// paramsInfo.put("login_name", userWithdrawal.getPhone());
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// 是否发送短信标识
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paramsInfo.put("sms_send_flag", "Y");
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// 3. 发起API调用
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log.info("个人用户基本信息开户请求参数：{}", paramsInfo);
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Map<String, Object> response = BasePayRequest.requestBasePay("v2/user/basicdata/indv", paramsInfo, null, false);
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log.info("个人用户基本信息开户返回参数:{}", response);
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return response;
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}
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/** 企业用户基础资料进件。 */
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public Map<String, Object> userBasicDataEnt(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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DouGongRequestSupport.initBasePay(huiFuProperties);
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Map<String, Object> paramsInfo = enterpriseParams(userWithdrawal);
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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log.info("企业用户基本信息开户请求参数：{}", paramsInfo);
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Map<String, Object> response = BasePayRequest.requestBasePay(
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"v2/user/basicdata/ent", paramsInfo, null, false);
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log.info("企业用户基本信息开户返回参数:{}", response);
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return response;
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}
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/**
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* 个人用户基本信息修改
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* @return
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* @throws Exception
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*/
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public Map<String, Object> userBasicDataIndvModify(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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// 1. 数据初始化，填入对应的商户配置
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DouGongRequestSupport.initBasePay(huiFuProperties);
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// 2.组装请求参数
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Map<String, Object> paramsInfo = new HashMap<>();
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// 请求流水号
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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// 请求日期
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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// 汇付客户Id
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paramsInfo.put("huifu_id", userWithdrawal.getHuifuId());
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String[] certificateExpireDateArr = userWithdrawal.getCertificateExpireTime().split("，");
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String startDateStr = certificateExpireDateArr[0];
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// 个人证件有效期开始日期
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paramsInfo.put("cert_begin_date", startDateStr.replace("-", ""));
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// 个人证件有效期截止日期
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String endDateStr = certificateExpireDateArr[1];
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if (!"长期".equals(endDateStr)) {
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String formatEndDate = endDateStr.replace("-", "");
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paramsInfo.put("cert_end_date", formatEndDate);
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// 个人证件有效期类型
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paramsInfo.put("cert_validity_type", "0");
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}else {
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// 个人证件有效期类型
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paramsInfo.put("cert_validity_type", "1");
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}
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// 手机号
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paramsInfo.put("mobile_no", userWithdrawal.getPhone());
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log.info("个人用户基本信息修改返回参数：{}", paramsInfo);
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// 3. 发起API调用
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Map<String, Object> response = BasePayRequest.requestBasePay("v2/user/basicdata/indv/modify", paramsInfo, null, false);
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log.info("个人用户基本信息修改返回参数:{}", response);
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return response;
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}
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/** 企业用户基础资料修改，用于审核驳回后的重新提交。 */
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public Map<String, Object> userBasicDataEntModify(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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DouGongRequestSupport.initBasePay(huiFuProperties);
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Map<String, Object> paramsInfo = enterpriseParams(userWithdrawal);
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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paramsInfo.put("huifu_id", userWithdrawal.getHuifuId());
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log.info("企业用户基本信息修改请求参数：{}", paramsInfo);
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Map<String, Object> response = BasePayRequest.requestBasePay(
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"v2/user/basicdata/ent/modify", paramsInfo, null, false);
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log.info("企业用户基本信息修改返回参数:{}", response);
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return response;
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}
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/** 查询个人或企业用户的进件申请状态。 */
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public Map<String, Object> userApplyQuery(DouGongUserWithdrawalProfile userWithdrawal,
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String applyNo) throws Exception {
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if (applyNo == null || applyNo.trim().isEmpty() || applyNo.trim().length() > 18) {
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throw new IllegalArgumentException("斗拱进件状态查询申请单号不能为空且长度不能超过18个字符");
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}
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DouGongRequestSupport.initBasePay(huiFuProperties);
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Map<String, Object> paramsInfo = new HashMap<>();
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paramsInfo.put("huifu_id", userWithdrawal.getHuifuId());
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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paramsInfo.put("apply_no", applyNo.trim());
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log.info("用户进件申请状态查询请求参数：{}", paramsInfo);
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Map<String, Object> response = BasePayRequest.requestBasePay(
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"v2/user/apply/query", paramsInfo, null, false);
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log.info("用户进件申请状态查询返回参数:{}", response);
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return response;
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}
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/**
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* 用户业务入驻
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*
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* 备注：业务入驻会绑定结算卡和提现规则，后续提现依赖这里返回的取现卡序列号。
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*
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* @return
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* @throws Exception
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*/
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public Map<String, Object> userBusinessOpen(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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// 1. 数据初始化，填入对应的商户配置
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DouGongRequestSupport.initBasePay(huiFuProperties);
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// 2.组装请求参数
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Map<String, Object> paramsInfo = new HashMap<>();
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// 汇付ID
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paramsInfo.put("huifu_id", userWithdrawal.getHuifuId());
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// 请求流水号
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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// 请求日期
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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// 渠道商/商户汇付Id
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paramsInfo.put("upper_huifu_id", huiFuProperties.getUpperHuifuId());
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//// 结算信息配置
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//paramsInfo.put("settle_config", "{\"settle_cycle\":\"D1\",\"min_amt\":\"0.01\",\"remained_amt\":\"10.00\",\"settle_abstract\":\"结算摘要\",\"out_settle_flag\":\"2\",\"settle_batch_no\":\"300\",\"fixed_ratio\":\"2\"}");
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// 结算卡信息
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JSONObject cardInfo = new JSONObject();
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cardInfo.put("card_type", "1");
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cardInfo.put("card_name", userWithdrawal.getOpenAccountName());
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cardInfo.put("card_no", userWithdrawal.getBankCardCode());
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cardInfo.put("prov_id", userWithdrawal.getBankCardProvinceCode());
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cardInfo.put("area_id", userWithdrawal.getBankCardCityCode());
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cardInfo.put("cert_type", "00");
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cardInfo.put("cert_no", userWithdrawal.getCertificateCode());
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String[] certificateExpireDateArr = userWithdrawal.getCertificateExpireTime().split("，");
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String startDateStr = certificateExpireDateArr[0];
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// 个人证件有效期开始日期
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cardInfo.put("cert_begin_date", startDateStr.replace("-", ""));
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// 个人证件有效期截止日期
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String endDateStr = certificateExpireDateArr[1];
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if (!"长期".equals(endDateStr)) {
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String formatEndDate = endDateStr.replace("-", "");
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cardInfo.put("cert_end_date", formatEndDate);
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// 个人证件有效期类型
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cardInfo.put("cert_validity_type", "0");
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}else {
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// 个人证件有效期类型
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cardInfo.put("cert_validity_type", "1");
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}
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paramsInfo.put("card_info", cardInfo.toJSONString());
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// 结算卡信息
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JSONArray cashConfigArr = new JSONArray();
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JSONObject cashConfig = new JSONObject();
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/**
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* T1:下一工作日到银行账户；
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* D1：下一自然日到银行账户；
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* D0：当日到银行账户；默认D0；
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* DM：当日到账；到账资金不包括当天的交易资金；
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* 示例值：T1
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*/
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cashConfig.put("cash_type", "D1");
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cashConfig.put("fix_amt", "0.00");
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cashConfig.put("weekday_fix_amt", "0.00");
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cashConfig.put("weekday_fee_rate", "0.00");
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cashConfigArr.add(cashConfig);
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paramsInfo.put("cash_config", cashConfigArr.toJSONString());
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log.info("用户业务入驻返回参数：{}", paramsInfo);
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// 3. 发起API调用
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Map<String, Object> response = BasePayRequest.requestBasePay("v2/user/busi/open", paramsInfo, null, false);;
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log.info("用户业务入驻返回参数:{}", response);
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return response;
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}
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/**
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* 用户业务入驻
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* @return
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* @throws Exception
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*/
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public Map<String, Object> userBusinessOpenModify(DouGongUserWithdrawalProfile userWithdrawal) throws Exception {
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// 1. 数据初始化，填入对应的商户配置
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DouGongRequestSupport.initBasePay(huiFuProperties);
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// 2.组装请求参数
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Map<String, Object> paramsInfo = new HashMap<>();
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// 汇付ID
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paramsInfo.put("huifu_id", userWithdrawal.getHuifuId());
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// 请求流水号
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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// 请求日期
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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// 结算卡信息
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JSONObject cardInfo = new JSONObject();
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cardInfo.put("card_type", "1");
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cardInfo.put("card_name", userWithdrawal.getOpenAccountName());
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cardInfo.put("card_no", userWithdrawal.getBankCardCode());
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cardInfo.put("prov_id", userWithdrawal.getBankCardProvinceCode());
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cardInfo.put("area_id", userWithdrawal.getBankCardCityCode());
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cardInfo.put("cert_type", "00");
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cardInfo.put("cert_no", userWithdrawal.getCertificateCode());
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String[] certificateExpireDateArr = userWithdrawal.getCertificateExpireTime().split("，");
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String startDateStr = certificateExpireDateArr[0];
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// 个人证件有效期开始日期
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cardInfo.put("cert_begin_date", startDateStr.replace("-", ""));
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// 个人证件有效期截止日期
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String endDateStr = certificateExpireDateArr[1];
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if (!"长期".equals(endDateStr)) {
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String formatEndDate = endDateStr.replace("-", "");
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cardInfo.put("cert_end_date", formatEndDate);
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// 个人证件有效期类型
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cardInfo.put("cert_validity_type", "0");
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}else {
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// 个人证件有效期类型
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cardInfo.put("cert_validity_type", "1");
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}
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paramsInfo.put("card_info", cardInfo.toJSONString());
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// 结算卡信息
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JSONArray cashConfigArr = new JSONArray();
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JSONObject cashConfig = new JSONObject();
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/**
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* T1:下一工作日到银行账户；
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* D1：下一自然日到银行账户；
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* D0：当日到银行账户；默认D0；
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* DM：当日到账；到账资金不包括当天的交易资金；
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* 示例值：T1
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*/
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cashConfig.put("switch_state", "1");
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cashConfig.put("cash_type", "D1");
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cashConfig.put("fix_amt", "0.00");
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cashConfig.put("weekday_fix_amt", "0.00");
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cashConfig.put("weekday_fee_rate", "0.00");
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cashConfigArr.add(cashConfig);
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paramsInfo.put("cash_config", cashConfigArr.toJSONString());
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log.info("用户业务入驻修改返回参数：{}", paramsInfo);
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// 3. 发起API调用
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Map<String, Object> response = BasePayRequest.requestBasePay("v2/user/busi/modify", paramsInfo, null, false);;
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log.info("用户业务入驻修改返回参数:{}", response);
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return response;
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}
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public BigDecimal balanceQuery(String huifuId) throws Exception {
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// 1. 数据初始化，填入对应的商户配置
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DouGongRequestSupport.initBasePay(huiFuProperties);
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// 2.组装请求参数
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Map<String, Object> paramsInfo = new HashMap<>();
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// 汇付ID
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paramsInfo.put("huifu_id", huifuId);
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// 请求流水号
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paramsInfo.put("req_seq_id", DouGongRequestSupport.generateForHuiFu());
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// 请求日期
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paramsInfo.put("req_date", DouGongRequestSupport.todayForHuiFu());
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log.info("账户余额信息查询返回参数：{}", paramsInfo);
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// 3. 发起API调用
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Map<String, Object> response = BasePayRequest.requestBasePay("v2/trade/acctpayment/balance/query", paramsInfo, null, false);
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log.info("账户余额信息查询返回参数:{}", response);
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return availableBalance(response);
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}
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static BigDecimal availableBalance(Map<String, Object> response) {
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if (response == null) return BigDecimal.ZERO;
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Object accountData = response.get("acctInfo_list");
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if (accountData == null) accountData = response.get("acct_info_list");
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if (accountData == null) return BigDecimal.ZERO;
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JSONArray accountList = accountData instanceof JSONArray
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? (JSONArray) accountData
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: JSONArray.parseArray(accountData instanceof String
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? (String) accountData : JSONObject.toJSONString(accountData));
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if (accountList == null || accountList.isEmpty()) return BigDecimal.ZERO;
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JSONObject acctInfo = accountList.getJSONObject(0);
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if (acctInfo == null || acctInfo.get("avail_bal") == null) return BigDecimal.ZERO;
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BigDecimal balance = acctInfo.getBigDecimal("avail_bal");
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return balance == null ? BigDecimal.ZERO : balance;
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}
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private Map<String, Object> enterpriseParams(DouGongUserWithdrawalProfile profile) {
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Map<String, Object> params = new HashMap<>();
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params.put("reg_name", profile.getEnterpriseName());
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params.put("license_code", profile.getCreditCode());
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params.put("license_validity_type", validityType(profile.getLicenseValidityType()));
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params.put("license_begin_date", compactDate(profile.getLicenseBeginDate()));
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putFixedEndDate(params, "license_end_date", profile.getLicenseValidityType(), profile.getLicenseEndDate());
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params.put("reg_prov_id", profile.getRegisteredProvinceCode());
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params.put("reg_area_id", profile.getRegisteredCityCode());
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params.put("reg_district_id", profile.getRegisteredDistrictCode());
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params.put("reg_detail", profile.getRegisteredAddress());
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params.put("legal_name", profile.getCertificateName());
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params.put("legal_cert_type", "00");
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params.put("legal_cert_no", profile.getCertificateCode());
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String[] certificateDates = certificateDates(profile.getCertificateExpireTime());
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params.put("legal_cert_validity_type", "长期".equals(certificateDates[1]) ? "1" : "0");
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params.put("legal_cert_begin_date", compactDate(certificateDates[0]));
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if (!"长期".equals(certificateDates[1])) {
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params.put("legal_cert_end_date", compactDate(certificateDates[1]));
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}
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params.put("legal_cert_nationality", "CHN");
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params.put("contact_name", profile.getContactName());
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params.put("contact_mobile", profile.getPhone());
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return params;
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}
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private String validityType(String value) {
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return "long_term".equals(value) ? "1" : "0";
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}
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private void putFixedEndDate(Map<String, Object> params, String key, String validityType, String value) {
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if (!"long_term".equals(validityType) && value != null && !value.trim().isEmpty()) {
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params.put(key, compactDate(value));
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}
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}
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private String compactDate(String value) {
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return value == null ? null : value.replace("-", "");
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}
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private String[] certificateDates(String value) {
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String normalized = value == null ? "" : value.replace(",", "，");
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String[] values = normalized.split("，", -1);
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return values.length >= 2 ? values : new String[]{normalized, "长期"};
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}
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}
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