package com.talentcard.server.business.merchant;
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import com.alibaba.fastjson.JSON;
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import com.talentcard.server.business.DatabaseRows;
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import com.talentcard.server.business.payment.huifu.HuifuOnboardingProgressGateway;
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import com.talentcard.server.common.BusinessException;
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import com.talentcard.server.common.ErrorCode;
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import java.util.ArrayList;
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import java.util.LinkedHashMap;
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import java.util.List;
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import java.util.Map;
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import java.util.UUID;
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import org.springframework.jdbc.core.JdbcTemplate;
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import org.springframework.stereotype.Service;
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/** Six independent evidence-backed stages; provider calls never hold application row locks. */
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@Service
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public class MerchantOnboardingProgressService {
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private static final Map<String,String> LABELS = new LinkedHashMap<>();
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static {
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LABELS.put("basic", "基础审核"); LABELS.put("wechat", "微信支付");
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LABELS.put("appId", "人才端绑定"); LABELS.put("realname", "实名与授权");
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LABELS.put("delay", "延迟入账"); LABELS.put("settlement", "自动结算");
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}
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private final JdbcTemplate jdbc;
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private final HuifuOnboardingProgressGateway gateway;
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public MerchantOnboardingProgressService(JdbcTemplate jdbc, HuifuOnboardingProgressGateway gateway) { this.jdbc=jdbc; this.gateway=gateway; }
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/**
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* 分阶段进度适用于「已关联结算银行卡、且未被整体拒绝」的申请。
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*
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* <p>原先这里按 huifu_id 白名单只放行一张指定存量商户，新商户走不进这套视图。现在按申请自身的
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* 状态判断：银行卡关联是分阶段视图核实原卡的前提（{@code application()} 也用它做条件）；
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* 而被拒绝的申请仍留在旧的单状态模型，商户端才有重新提交的入口。
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*
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* <p>这一条同时决定「进件失败后不重建商户与银行卡」的适用范围：支持的申请走局部刷新与重试，
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* 不支持的才允许关闭重来。旧策略里「通道配置失败就释放银行卡、让商户整单重提」已被规格
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* 明确取代——基本进件成功后要保留原商户号和银行卡。
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*/
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public boolean supports(Map<String,Object> application) {
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return application.get("initialBankCardId") != null && !"rejected".equals(text(application.get("status")));
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}
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public Map<String,Object> view(Long id) { return view(application(id)); }
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@org.springframework.transaction.annotation.Transactional(propagation = org.springframework.transaction.annotation.Propagation.NOT_SUPPORTED)
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public Map<String,Object> refresh(Long applicationId, boolean retry) {
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Map<String,Object> application=application(applicationId);
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// 被拒绝的申请不归分阶段模型管：刷下去会把它从 rejected 翻回 pending，商户端的
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// 「重新提交」入口就没了（supports() 对 rejected 返回 false，正是为了让出那个入口）。
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if (!supports(application)) return view(application);
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jdbc.update("insert ignore into merchant_onboarding_progress(application_id,stages_json) values (?, '{}')", applicationId);
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String owner=UUID.randomUUID().toString();
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if(jdbc.update("update merchant_onboarding_progress set sync_owner=?,sync_until=date_add(now(),interval 5 minute) where application_id=? and (sync_owner is null or sync_until<now())", owner, applicationId)==0) return view(application);
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try {
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Map<String,Object> response=gateway.queryApplication(text(application.get("providerHuifuId")), text(application.get("providerApplyNo")));
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if (!"00000000".equals(text(response.get("resp_code")))) {
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String error=queryError(response);
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jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?",error,applicationId,owner);
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} else {
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Map<String,Object> stages = savedStages(applicationId);
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String audit=text(response.get("apply_status"));
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if ("Y".equals(audit) && "S".equals(text(response.get("reg_status")))) stages.put("basic", "confirmed");
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else if (!"confirmed".equals(stages.get("basic"))) stages.put("basic",List.of("N","F").contains(audit) ? "failed" : "pending");
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jdbc.update("update merchant_onboarding_progress set stages_json=?,last_synced_at=now(),sync_error='' where application_id=? and sync_owner=?",JSON.toJSONString(stages),applicationId,owner);
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Map<String,Object> capabilities=gateway.queryCapabilities(text(application.get("providerHuifuId")));
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if (capabilities != null && "00000000".equals(text(capabilities.get("resp_code")))) {
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if (capabilities.containsKey("mer_stat")) {
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stages.put("merchantNormal", "NORMAL".equals(text(capabilities.get("mer_stat"))));
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// 原始值一起存下来，只是为了在完成判定里说清「状态异常（CLOSED）」这种话。
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// 与 realnameQr 一样，它是对应布尔项的**证据**，不是第七个阶段：stages 列表由
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// LABELS 生成，非 LABELS 的键不会进列表，完成判定也只认 LABELS 的六个键。
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stages.put("merchantStat", text(capabilities.get("mer_stat")));
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}
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if ("S".equals(text(response.get("bind_card_status"))) && capabilities.containsKey("qry_cash_card_info_list") && capabilities.containsKey("qry_settle_config_list")) {
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stages.put("bank", confirmOriginalCard(application,capabilities,owner));
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}
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if (capabilities.containsKey("qry_wx_conf_list")) {
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List<Map<String,Object>> wechat = configurations(capabilities.get("qry_wx_conf_list"));
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boolean valid = List.of("4", "5", "12").stream().allMatch(scene -> wechat.stream().anyMatch(item ->
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scene.equals(text(item.get("pay_scene"))) && decimal(item.get("fee_rate"), "0.70")
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// fee_min_amt 是可选字段，且文档写明「大于 0」——不设最低收费时我们**不下发**它，
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// 通道也就不返回它。缺失必须按 0 处理，否则这条判定永远不成立：商户微信业务
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// 明明已经开好（三场景、费率、内扣、子商户号都对），阶段却永远停在未确认
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// （2026-09-16 拿真实商户的通道回执核对出来的）。
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&& zeroUnlessAbsent(item.get("fee_min_amt"))
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&& "1".equals(text(item.get("fee_charge_type")))
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&& "2".equals(text(item.get("out_fee_flag"))) && item.containsKey("wx_mer_infos")
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&& configurations(item.get("wx_mer_infos")).stream().anyMatch(merchant ->
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!text(merchant.get("bank_mer_code")).isBlank() && "1".equals(text(merchant.get("is_default"))))));
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stages.put("wechat", valid ? "confirmed" : "missing");
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}
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if (capabilities.containsKey("qry_settle_config_list")) {
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List<Map<String,Object>> settlements = configurations(capabilities.get("qry_settle_config_list"));
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boolean valid = settlements.size() == 1 && settlements.stream().allMatch(item ->
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"1".equals(text(item.get("settle_status"))) && "D1".equals(text(item.get("settle_cycle")))
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&& "P0".equals(text(item.get("settle_pattern")))
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&& zero(item.get("min_amt")) && zero(item.get("remained_amt")));
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stages.put("settlement", valid ? "confirmed" : "missing");
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}
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if (capabilities.containsKey("delay_flag") && capabilities.containsKey("forced_delay_flag")) {
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stages.put("delay", "Y".equals(capabilities.get("delay_flag")) && "N".equals(capabilities.get("forced_delay_flag")) ? "confirmed" : "missing");
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} else {
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jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?","汇付返回缺少延迟配置字段，已保留最后有效状态",applicationId,owner);
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}
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jdbc.update("update merchant_onboarding_progress set stages_json=? where application_id=? and sync_owner=?",JSON.toJSONString(stages),applicationId,owner);
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} else {
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jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?",queryError(capabilities),applicationId,owner);
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}
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jdbc.update("update merchant_onboarding_progress set last_synced_at=now() where application_id=? and sync_owner=?",applicationId,owner);
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Map<String,Object> appConfig = gateway.queryWechatConfig(text(application.get("providerHuifuId")));
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if (appConfig != null && "00000000".equals(text(appConfig.get("resp_code")))) {
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boolean bound = false, controlled = false;
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for (Map<String,Object> config : configurations(appConfig.getOrDefault("atu_config_bo_list", List.of()))) {
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if (!"01".equals(text(config.get("fee_type")))) continue;
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for (Map<String,Object> entry : configurations(config.getOrDefault("wx_config_list", List.of()))) {
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if ("1".equals(text(entry.get("config_type"))) && "wxcfee477acb54d179".equals(text(entry.get("config_value")))) {
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bound = true;
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controlled |= "Y".equals(text(entry.get("control_flag")));
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}
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}
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}
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stages.put("appId", controlled ? "action_required" : bound ? "confirmed" : "missing");
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} else if (appConfig != null && !appConfig.isEmpty()) {
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jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?",queryError(appConfig),applicationId,owner);
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}
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Map<String,Object> realname = gateway.queryRealname(text(application.get("providerHuifuId")));
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if (realname != null && "00000000".equals(text(realname.get("resp_code")))) {
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String status = text(realname.get("applyment_stat"));
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if (!status.isBlank()) stages.put("realname", realnameStage(status, text(realname.get("authorize_stat"))));
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stages.put("realnameQr", qrCode(text(realname.get("qrcode_data"))));
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} else if (realname != null && !realname.isEmpty()) {
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if ("00000001".equals(text(realname.get("resp_code"))) && "AT入驻信息池信息不存在".equals(text(realname.get("resp_desc")))) {
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if (!"confirmed".equals(stages.get("realname"))) stages.put("realname", "missing");
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} else jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?",queryError(realname),applicationId,owner);
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}
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if ("Y".equals(audit) && "S".equals(text(response.get("reg_status"))) && capabilities != null
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&& "00000000".equals(text(capabilities.get("resp_code"))) && "NORMAL".equals(text(capabilities.get("mer_stat")))
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&& capabilities.containsKey("delay_flag") && capabilities.containsKey("forced_delay_flag")) {
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advanceDelay(applicationId,text(application.get("providerHuifuId")),owner,stages,retry);
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}
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jdbc.update("update merchant_onboarding_progress set stages_json=? where application_id=? and sync_owner=?",JSON.toJSONString(stages),applicationId,owner);
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// 基本资料被通道驳回时要落到 rejected：一是让商户端出现「重新提交」入口（supports() 对
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// rejected 返回 false，交回旧的单状态模型），二是别把一次明确拒绝一直显示成「审核中」。
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// 后续配置失败不算拒绝——那种情况保留原商户号和银行卡，局部重试即可。
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boolean basicRejected = "failed".equals(text(stages.get("basic")));
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String applicationStatus = basicRejected ? "rejected" : complete(stages) ? "approved" : "pending";
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jdbc.update("""
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update merchant_onboarding_application a join merchant_onboarding_progress p on p.application_id=a.id
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set a.status=?,a.reviewed_at=case when ? then now() else null end
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where a.id=? and p.sync_owner=?
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""",applicationStatus,!"pending".equals(applicationStatus),applicationId,owner);
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if (basicRejected) jdbc.update("update merchant_onboarding_application set reject_reason=? where id=?","基本资料审核未通过，请核对资料后重新提交",applicationId);
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}
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} catch (RuntimeException exception) {
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jdbc.update("update merchant_onboarding_progress set sync_error=? where application_id=? and sync_owner=?","查询结果暂未确认，已保留最后有效进度，请稍后刷新",applicationId,owner);
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} finally {
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jdbc.update("update merchant_onboarding_progress set sync_owner=null,sync_until=null where application_id=? and sync_owner=?",applicationId,owner);
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}
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return view(application(applicationId));
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}
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private boolean confirmOriginalCard(Map<String,Object> application, Map<String,Object> capabilities, String owner) {
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List<Map<String,Object>> original=rows("select * from merchant_bank_card where id=? and merchant_id=?",application.get("initialBankCardId"),application.get("merchantId"));
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if (original.size()!=1) return false;
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Map<String,Object> card=original.get(0);
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for (Map<String,Object> remote:configurations(capabilities.get("qry_cash_card_info_list"))) {
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String number=text(remote.get("card_no")), token=text(remote.get("token_no"));
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if (!number.matches("[0-9]{8,32}") || token.isBlank() || !sha256(number).equals(text(card.get("cardHash")))) continue;
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String previous=text(card.get("providerTokenNo"));
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if (!previous.isBlank() && !previous.equals(token)) continue;
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boolean linked=configurations(capabilities.get("qry_settle_config_list")).stream().anyMatch(settle -> token.equals(text(settle.get("token_no"))));
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if (!linked) continue;
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return jdbc.update("""
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update merchant_bank_card b join merchant_onboarding_progress p on p.application_id=?
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set b.status='approved',b.provider_token_no=?,b.reviewed_at=coalesce(b.reviewed_at,now())
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where b.id=? and p.sync_owner=?
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""",application.get("id"),token,card.get("id"),owner)>0;
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}
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return false;
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}
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private static String sha256(String value) {
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try { return java.util.HexFormat.of().formatHex(java.security.MessageDigest.getInstance("SHA-256").digest(value.getBytes(java.nio.charset.StandardCharsets.UTF_8))); }
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catch (java.security.NoSuchAlgorithmException exception) { throw new IllegalStateException(exception); }
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}
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private static boolean complete(Map<String,Object> stages) {
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return Boolean.TRUE.equals(stages.get("bank")) && Boolean.TRUE.equals(stages.get("merchantNormal"))
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&& LABELS.keySet().stream().allMatch(key -> "confirmed".equals(stages.get(key)));
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}
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private void advanceDelay(Long id, String huifuId, String owner, Map<String,Object> stages, boolean retry) {
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List<Map<String,Object>> attempts=rows("select * from merchant_onboarding_attempt where application_id=? and step='delay' order by id desc limit 1",id);
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Map<String,Object> attempt=attempts.isEmpty() ? null : attempts.get(0);
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if ("confirmed".equals(stages.get("delay"))) {
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if (attempt != null) jdbc.update("update merchant_onboarding_attempt set status='confirmed' where id=?",attempt.get("id"));
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return;
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}
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if (attempt != null && !"failed".equals(text(attempt.get("status")))) {
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String applyNo=text(attempt.get("applyNo"));
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if (!applyNo.isBlank() && !List.of("succeeded","confirmed").contains(text(attempt.get("status")))) {
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Map<String,Object> result=gateway.queryApplication(huifuId,applyNo);
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if (result != null && "00000000".equals(text(result.get("resp_code"))) && List.of("N","F").contains(text(result.get("apply_status")))) {
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jdbc.update("update merchant_onboarding_attempt set status='failed',response_code=?,response_message=nullif(?,'') where id=? and status<>'confirmed'",text(result.get("resp_code")),channelMessage(result),attempt.get("id"));
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attempt.put("status","failed");
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}
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}
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if (!"failed".equals(text(attempt.get("status")))) { stages.put("delay","pending"); return; }
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}
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if (attempt != null && !retry) { stages.put("delay","failed"); return; }
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String requestNo=UUID.randomUUID().toString().replace("-", "");
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String date=java.time.LocalDate.now(java.time.ZoneId.of("Asia/Shanghai")).format(java.time.format.DateTimeFormatter.BASIC_ISO_DATE);
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int inserted=jdbc.update("""
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insert into merchant_onboarding_attempt(application_id,step,request_no,request_date,status)
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select ?, 'delay', ?, ?, 'unknown' from merchant_onboarding_progress
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where application_id=? and sync_owner=? and sync_until>now()
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""",id,requestNo,date,id,owner);
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if (inserted==0) return;
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stages.put("delay","pending");
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try {
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Map<String,Object> result=gateway.configureDelay(huifuId,requestNo,date);
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String code=result==null ? "" : text(result.get("resp_code"));
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String status=code.isBlank() ? "unknown" : List.of("00000000","00000100","90000000").contains(code) ? "pending" : "failed";
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// 通道给的描述一起落库。原先只存 response_code，而延迟入账这一条失败回的是 99999999
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// （通道的「失败:<原因>」通用码），描述一丢就完全看不出为什么失败，排查只能靠猜。
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jdbc.update("update merchant_onboarding_attempt set status=?,apply_no=nullif(?,''),response_code=?,response_message=nullif(?,'') where request_no=?",status,result==null ? "" : text(result.get("apply_no")),code,channelMessage(result),requestNo);
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if ("failed".equals(status)) stages.put("delay","failed");
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} catch (RuntimeException ignored) {
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// The durable unknown attempt blocks resubmission after a crash, timeout or invalid response.
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}
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}
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public Map<String,Object> view(Map<String,Object> application) {
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Map<String,Object> result=new LinkedHashMap<>();
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result.put("id",text(application.get("id"))); result.put("applicationNo",text(application.get("applicationNo")));
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result.put("status","pending"); result.put("subjectType",text(application.get("subjectType")));
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result.put("submittedAt",text(application.get("createdAt"))); result.put("retryable",false);
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result.put("refreshable",true); result.put("lastSyncedAt",""); result.put("syncError","");
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List<Map<String,Object>> saved=rows("select * from merchant_onboarding_progress where application_id=?",application.get("id"));
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Map<String,Object> stages=new LinkedHashMap<>();
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if (!saved.isEmpty()) {
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stages=JSON.parseObject(text(saved.get(0).get("stagesJson")), Map.class);
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result.put("lastSyncedAt",text(saved.get(0).get("lastSyncedAt")));
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result.put("syncError",text(saved.get(0).get("syncError")));
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}
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List<Map<String,Object>> progress=new ArrayList<>();
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for (var entry:LABELS.entrySet()) {
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String status = text(stages.getOrDefault(entry.getKey(),"unknown"));
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progress.add(Map.of("key",entry.getKey(),"label",entry.getValue(),"status",status,"reason",stageReason(entry.getKey(),status),
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"qrCode", "realname".equals(entry.getKey()) ? text(stages.get("realnameQr")) : ""));
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}
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// 被通道明确驳回基本资料的申请仍显示 rejected（并带通道给的驳回原因），不能被阶段计算
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// 盖成 pending——那样商户端看不到「重新提交」。
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boolean rejected = "rejected".equals(text(application.get("status")));
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boolean completed = complete(stages);
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List<Map<String,Object>> checks = completionChecks(stages, application);
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result.put("stages",progress); result.put("reason","请刷新进度，核实原申请与各项能力");
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result.put("completionChecks",checks);
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result.put("retryable", "failed".equals(stages.get("delay")));
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result.put("status",rejected ? "rejected" : completed ? "approved" : "pending");
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result.put("reason",rejected ? text(application.get("rejectReason"))
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: completed ? "收款能力已核实，沿用原商户号和结算银行卡" : incompleteReason(progress, checks));
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return result;
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}
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/**
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* 完成判定里不在六项阶段中的另外两项核实结果。
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*
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* <p>{@code complete()} 还要求结算银行卡核实（{@code bank}）与通道商户状态
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* （{@code merchantNormal}），但这两项原先既不进 {@code LABELS}、{@code view()} 也不返回：
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* 一旦某次刷新发现通道把商户停用了，申请会掉回 {@code pending}，页面于是出现
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* 「标题说待办理、六项却全绿」——商户看不到究竟缺什么，只会以为页面出错。
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*
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* <p>它们**不能**加进 {@code LABELS}：那里同时是完成判定的键集，而且这两项是布尔值、
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* 其余六项必须是字符串 {@code "confirmed"}，加进去会让进件永远无法 approved。
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*/
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private static List<Map<String,Object>> completionChecks(Map<String,Object> stages, Map<String,Object> application) {
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// 证据优先取刷新那一刻存下来的通道原值；老记录里没有这个键时回落到申请行上的快照列。
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String merchantStatus = text(stages.get("merchantStat"));
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if (merchantStatus.isBlank()) merchantStatus = text(application.get("merchantStat"));
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List<Map<String,Object>> checks=new ArrayList<>();
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checks.add(completionCheck("bank","结算银行卡核实",stages.get("bank"),
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"结算银行卡尚未核实：通道没有这张原卡的可用记录，请确认结算卡后刷新"));
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checks.add(completionCheck("merchantNormal","通道商户状态",stages.get("merchantNormal"),
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merchantStatus.isBlank()
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? "斗拱子商户状态异常，请联系汇付或后台处理"
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: "斗拱子商户状态异常（" + merchantStatus + "），请联系汇付或后台处理"));
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return checks;
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}
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private static Map<String,Object> completionCheck(String key, String label, Object value, String failedReason) {
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String status="unknown", reason="尚未核实，请刷新进度";
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if (value instanceof Boolean confirmed) {
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status = confirmed ? "confirmed" : "failed";
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reason = confirmed ? "已核实通过" : failedReason;
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}
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return Map.of("key",key,"label",label,"status",status,"reason",reason);
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}
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/**
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* pending 的原因。六项阶段全绿却还没完成时，必须点出另外两项完成条件——否则那句话会变成
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* 「请按待办理项补齐缺失能力」，而页面上一个待办理项都没有。
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*/
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private static String incompleteReason(List<Map<String,Object>> progress, List<Map<String,Object>> checks) {
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boolean stagesAllConfirmed = progress.stream().allMatch(stage -> "confirmed".equals(stage.get("status")));
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if (!stagesAllConfirmed) return "请刷新进度核实各项能力，并按待办理项补齐缺失能力";
|
List<String> failed = checks.stream().filter(check -> !"confirmed".equals(check.get("status")))
|
.map(check -> String.valueOf(check.get("label"))).toList();
|
return failed.isEmpty() ? "请刷新进度核实各项能力，并按待办理项补齐缺失能力"
|
: "进件阶段已全部确认，但" + String.join("、", failed) + "未通过核实，见下方核实结果";
|
}
|
|
/** Called only after the existing HTTP callback boundary has verified Huifu's signature. */
|
public Long acceptDelayCallback(Map<String,Object> data) {
|
// 用回调自带的 huifu_id 去匹配它自己的申请单，不再按固定商户号过滤。
|
String huifuId=text(data.get("huifu_id"));
|
if (huifuId.isBlank()) return null;
|
List<Map<String,Object>> matches=rows("""
|
select t.id,t.application_id from merchant_onboarding_attempt t
|
join merchant_onboarding_application a on a.id=t.application_id
|
where t.step='delay' and t.request_no=? and t.request_date=? and a.provider_huifu_id=?
|
""",text(data.get("req_seq_id")),text(data.get("req_date")),huifuId);
|
if (matches.isEmpty()) return null;
|
Map<String,Object> attempt=matches.get(0);
|
String audit=text(data.get("audit_status"));
|
String state="Y".equals(audit) ? "succeeded" : List.of("N","F","C").contains(audit) ? "failed" : "pending";
|
jdbc.update("""
|
update merchant_onboarding_attempt set status=?,apply_no=coalesce(apply_no,nullif(?,'')),response_code=?
|
where id=? and status not in ('succeeded','confirmed')
|
""",state,text(data.get("apply_no")),text(data.getOrDefault("sub_resp_code",data.get("resp_code"))),attempt.get("id"));
|
return ((Number)attempt.get("applicationId")).longValue();
|
}
|
|
private Map<String,Object> application(Long id) {
|
List<Map<String,Object>> records=rows("select * from merchant_onboarding_application where id=? and initial_bank_card_id is not null",id);
|
if(records.isEmpty()) throw new BusinessException(ErrorCode.NOT_FOUND,"Onboarding application not found");
|
return records.get(0);
|
}
|
@SuppressWarnings("unchecked")
|
private Map<String,Object> savedStages(Long id) {
|
return JSON.parseObject(jdbc.queryForObject("select stages_json from merchant_onboarding_progress where application_id=?",String.class,id),Map.class);
|
}
|
private List<Map<String,Object>> rows(String sql,Object... args) { return DatabaseRows.normalize(jdbc.queryForList(sql,args)); }
|
private static String text(Object value) { return value==null ? "" : String.valueOf(value); }
|
|
/**
|
* 通道返回的描述。业务描述可能落在 {@code sub_resp_desc}，网关层描述落在 {@code resp_desc}，
|
* 两者都取不到就留空。列定长 512，超长按列宽截断，避免整条 update 报「Data too long」。
|
*/
|
private static String channelMessage(Map<String,Object> result) {
|
if (result == null) return "";
|
String message = text(result.get("sub_resp_desc"));
|
if (message.isBlank()) message = text(result.get("resp_desc"));
|
if (message.isBlank()) message = text(result.get("resp_msg"));
|
return message.length() <= 512 ? message : message.substring(0, 512);
|
}
|
private static String stageReason(String key, String status) {
|
if ("confirmed".equals(status)) return "已取得通道生效证据";
|
if ("realname".equals(key) && "action_required".equals(status)) return "请法人或授权联系人完成微信实名及授权，办理后刷新；没有二维码时请联系平台运营";
|
if ("realname".equals(key) && "missing".equals(status)) return "尚未发起微信实名认证，请先发起；实名走法人，需要法人本人的手机号";
|
// 微信业务开通与人才端绑定都由刷新推进会继续办理，所以要明确告诉用户「点刷新就能继续」。
|
if ("wechat".equals(key) && "missing".equals(status)) return "微信支付业务开通尚未完成，点「刷新进度」会继续办理这一步";
|
if ("appId".equals(key) && "missing".equals(status)) return "人才端小程序尚未绑定，点「刷新进度」会继续办理这一步";
|
if ("appId".equals(key) && "action_required".equals(status)) return "人才端绑定被微信管控，请联系平台运营解除后刷新";
|
if ("delay".equals(key) && "missing".equals(status)) return "需开启延迟入账并关闭强制延迟";
|
if ("settlement".equals(key) && "missing".equals(status)) return "需开启 D1 批次结算，起结金额与留存金额均为 0";
|
if ("pending".equals(status)) return "通道正在审核，请稍后刷新";
|
if ("failed".equals(status)) return "该步骤未通过，请联系平台运营核对资料后局部重试";
|
return "尚未取得通道生效证据";
|
}
|
/**
|
* 实名阶段的状态映射。微信实名分「实名认证申请」与「商户授权」两个阶段，各有各的状态，
|
* 必须分别看：
|
*
|
* <ul>
|
* <li>{@code NOAPPLY}／{@code CANCELED} 是没申请或已作废，要提示去发起，不能和「需要本人办理」
|
* 混为一谈；</li>
|
* <li>{@code REJECTED} 是驳回，要按原因补资料并更换业务申请编号重来；</li>
|
* <li>授权是否完成**只看 {@code authorize_stat}**，不看申请单状态。{@code PASSED} 单独不等于
|
* 授权完成；反过来 {@code FREEZED}（「该主体已完成过入驻」）也可能已经授权成功——真实样本
|
* 里就是 {@code APPLYMENT_STATE_FREEZED} + {@code authorize_stat=1}。按申请单状态判会把
|
* 已经授权好的商户显示成待办理。</li>
|
* </ul>
|
*/
|
private static String realnameStage(String applymentStat, String authorizeStat) {
|
if ("APPLYMENT_STATE_REJECTED".equals(applymentStat)) return "failed";
|
if ("APPLYMENT_STATE_NOAPPLY".equals(applymentStat) || "APPLYMENT_STATE_CANCELED".equals(applymentStat)) return "missing";
|
if ("1".equals(authorizeStat)) return "confirmed";
|
if ("APPLYMENT_STATE_EDITTING".equals(applymentStat) || "APPLYMENT_STATE_WAITTING_FOR_AUDIT".equals(applymentStat)) return "pending";
|
return "action_required";
|
}
|
|
/**
|
* 把通道返回的 base64 图片转成能直接放进 {@code <img src>} 的 data URL。
|
*
|
* <p>通道回的是**裸 base64**，而且是 JPEG 还是 PNG 并不固定：实测小微实名的授权二维码就是
|
* **JPEG**（`/9j/4AAQSkZJRg…`）。这里原先写死了 PNG 的 magic（`iVBORw0KGgo`）并统一标成
|
* `image/png`，于是 JPEG 的码被判成非法、返回空串——两端都拿不到二维码，而"本人扫码授权"
|
* 是完成实名的唯一途径（2026-09-16 实测：申请单已受理、通道已回码，页面却是空的）。
|
*
|
* <p>仍然只接受图片 base64（按 magic 判定），不把任意内容拼进 img src。
|
*/
|
private static String qrCode(String raw) {
|
String value = raw.replaceFirst("^data:image/(png|jpe?g);base64,", "");
|
if (value.length() > 200000 || !value.matches("[A-Za-z0-9+/=\\r\\n]+")) return "";
|
String mime = value.startsWith("iVBORw0KGgo") ? "image/png"
|
: value.startsWith("/9j/") ? "image/jpeg"
|
: "";
|
return mime.isBlank() ? "" : "data:" + mime + ";base64," + value;
|
}
|
@SuppressWarnings("unchecked")
|
private static List<Map<String,Object>> configurations(Object raw) {
|
Object parsed = raw instanceof String value ? JSON.parse(value) : raw;
|
if (!(parsed instanceof List<?> list)) throw new IllegalArgumentException("Invalid provider configuration list");
|
return list.stream().map(item -> (Map<String,Object>)item).toList();
|
}
|
private static boolean zero(Object value) {
|
return decimal(value, "0");
|
}
|
|
/**
|
* 给「字段缺失就等于没设」的可选金额字段用。
|
*
|
* <p>与 {@link #zero} 的区别只在 null：{@code fee_min_amt} 这类字段不设时通道不返回，
|
* 而"不返回"的语义正是"没设最低收费"（即 0），不能按"取不到就不算数"处理。
|
*/
|
private static boolean zeroUnlessAbsent(Object value) {
|
return value == null || zero(value);
|
}
|
private static boolean decimal(Object value, String expected) {
|
return value != null && new java.math.BigDecimal(text(value)).compareTo(new java.math.BigDecimal(expected)) == 0;
|
}
|
private static String queryError(Map<String,Object> response) {
|
return response != null && "20002".equals(text(response.get("resp_code")))
|
? "汇付查询权限不足（20002），请联系平台运营核实接口权限"
|
: "汇付查询未成功，请稍后刷新或联系平台运营";
|
}
|
}
|
