package com.talentcard.server.business.payment.huifu;
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import com.alibaba.fastjson.JSON;
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import com.huifu.bspay.sdk.opps.client.BasePayClient;
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import com.huifu.bspay.sdk.opps.core.BasePay;
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import com.huifu.bspay.sdk.opps.core.config.MerConfig;
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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.time.LocalDate;
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import java.time.format.DateTimeFormatter;
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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 org.slf4j.Logger;
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import org.slf4j.LoggerFactory;
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import org.springframework.stereotype.Service;
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@Service
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public class HuifuIndividualOnboardingGateway {
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private static final Object SDK_LOCK = new Object();
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private static final Logger log = LoggerFactory.getLogger(HuifuIndividualOnboardingGateway.class);
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private final HuifuPaymentProperties properties;
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public HuifuIndividualOnboardingGateway(HuifuPaymentProperties properties) { this.properties = properties; }
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public Result create(HuifuIndividualOnboardingCommand command) {
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ensureConfigured();
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Map<String, Object> request = buildRequest(command);
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try {
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synchronized (SDK_LOCK) {
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initializeSdk();
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Map<String, Object> response = BasePayClient.request(request, "v2.merchant.basicdata.indv", false);
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log.info("Huifu individual merchant onboarding response: applicationNo={}, upperHuifuId={}, response={}", command.applicationNo(), properties.getOnboardingUpperHuifuId(), JSON.toJSONString(response));
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return Result.from(response);
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}
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} catch (BusinessException exception) {
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throw exception;
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} catch (Exception exception) {
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log.error("Huifu individual merchant onboarding request error: applicationNo={}, upperHuifuId={}", command.applicationNo(), properties.getOnboardingUpperHuifuId(), exception);
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throw new HuifuPaymentGatewayException("Huifu individual merchant onboarding request failed", outcomeUnknown(exception), exception);
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}
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}
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/**
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* 组装个人进件请求体，与发送解耦，便于直接断言商户归属
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* （见 {@code HuifuOnboardingMerchantLevelTests}）。
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*/
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static Map<String, Object> buildRequestForTest(HuifuPaymentProperties properties, HuifuIndividualOnboardingCommand command) {
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return new HuifuIndividualOnboardingGateway(properties).buildRequest(command);
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}
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private Map<String, Object> buildRequest(HuifuIndividualOnboardingCommand command) {
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Map<String, Object> card = new LinkedHashMap<>();
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card.put("card_type", "1");
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card.put("card_name", command.name());
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card.put("card_no", command.cardNumber());
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card.put("prov_id", command.bankProvinceCode());
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card.put("area_id", command.bankCityCode());
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card.put("bank_code", command.bankCode());
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card.put("cert_type", "00");
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card.put("cert_no", command.idCardNo());
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card.put("cert_validity_type", command.certificateValidityType());
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card.put("cert_begin_date", command.certificateBeginDate());
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// 长期有效（cert_validity_type=1）时截止日期留空——官方写明「当 cert_validity_type=1 时为空」。
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if (!"1".equals(command.certificateValidityType()) && !blank(command.certificateEndDate())) card.put("cert_end_date", command.certificateEndDate());
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card.put("mp", command.mobileNo());
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card.put("is_settle_default", "Y");
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Map<String, Object> cash = new LinkedHashMap<>();
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cash.put("cash_type", "DM");
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cash.put("fix_amt", "0.00");
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cash.put("fee_rate", "");
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Map<String, Object> request = new LinkedHashMap<>();
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request.put("req_seq_id", command.applicationNo());
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request.put("req_date", LocalDate.now().format(DateTimeFormatter.BASIC_ISO_DATE));
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request.put("upper_huifu_id", properties.getOnboardingUpperHuifuId().trim());
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request.put("reg_name", command.name());
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request.put("short_name", command.name());
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request.put("mcc", command.mcc());
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request.put("scene_type", "ONLINE");
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request.put("prov_id", command.provinceCode());
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request.put("area_id", command.cityCode());
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request.put("district_id", command.districtCode());
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request.put("detail_addr", command.address());
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request.put("legal_cert_no", command.idCardNo());
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request.put("legal_cert_validity_type", command.certificateValidityType());
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request.put("legal_cert_begin_date", command.certificateBeginDate());
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// 证件「长期有效」（validity_type=1）时不填截止日期——官方口径已确认：长期有效无需填写。
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if (!"1".equals(command.certificateValidityType())) putIfPresent(request, "legal_cert_end_date", command.certificateEndDate());
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request.put("legal_addr", command.address());
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request.put("legal_cert_front_pic", command.legalFrontPictureId());
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request.put("legal_cert_back_pic", command.legalBackPictureId());
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request.put("contact_name", command.name());
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request.put("contact_mobile_no", command.mobileNo());
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request.put("contact_email", command.email());
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request.put("login_name", loginName(command.applicationNo()));
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request.put("card_info", JSON.toJSONString(card));
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request.put("settle_card_front_pic", command.settlementCardFrontPictureId());
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// 店铺照片（F22）：个人（小微）商户进件的必填项，三种经营类型都要传，只是图片内容要求不同——
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// 线上商品/服务交易传店铺首页截图、流动经营/便民服务传经营现场照、门店场所传实体门头照。
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// 这里只负责把商户交的图带上，内容按经营类型由商户端提示。
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request.put("store_header_pic", command.storeHeaderPictureId());
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request.put("cash_config", JSON.toJSONString(List.of(cash)));
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// 与商户主体一致：进件即打开自动结算，核销确认后的钱由斗拱按结算周期自动划到结算卡。
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request.put("settle_config", JSON.toJSONString(HuifuEnterpriseOnboardingGateway.settleConfig()));
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putIfPresent(request, "async_return_url", properties.getMerchantOnboardingNotifyUrl());
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return request;
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}
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private void ensureConfigured() {
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if (!properties.isEnabled()) throw new BusinessException(ErrorCode.CONFLICT, "Huifu payment is disabled");
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if (blank(properties.getSystemId()) || blank(properties.getProductId()) || blank(properties.getOnboardingUpperHuifuId()) || blank(properties.getPrivateKey()) || blank(properties.getPlatformPublicKey())) throw new BusinessException(ErrorCode.CONFLICT, "Huifu merchant onboarding configuration is incomplete");
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}
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private void initializeSdk() throws Exception {
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BasePay.debug = false;
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BasePay.prodMode = "prod".equalsIgnoreCase(properties.getEnvironment()) ? BasePay.MODE_PROD : BasePay.MODE_TEST;
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MerConfig config = new MerConfig();
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config.setSysId(properties.getSystemId().trim());
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config.setProductId(properties.getProductId().trim());
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config.setRsaPrivateKey(properties.getPrivateKey().trim());
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config.setRsaPublicKey(properties.getPlatformPublicKey().trim());
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BasePay.initWithMerConfig(config);
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}
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private static String loginName(String applicationNo) { return ("tc" + applicationNo).replaceAll("[^0-9A-Za-z_]", ""); }
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private static void putIfPresent(Map<String, Object> request, String key, String value) { if (!blank(value)) request.put(key, value.trim()); }
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private static boolean blank(String value) { return value == null || value.isBlank(); }
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private boolean outcomeUnknown(Exception exception) { String message = exception.getMessage() == null ? "" : exception.getMessage().toLowerCase(); return message.contains("timeout") || message.contains("timed out") || message.contains("no response"); }
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@SuppressWarnings("unchecked")
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public record Result(boolean accepted, String huifuId, String applyNo, String tokenNo, String code, String message) {
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static Result from(Map<String, Object> response) {
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Object raw = response.get("data");
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Map<String, Object> data = raw instanceof Map<?, ?> value ? (Map<String, Object>) value : raw instanceof String json && !json.isBlank() ? JSON.parseObject(json, Map.class) : response;
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String code = value(data, "sub_resp_code", "resp_code", "code");
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return new Result(success(code), value(data, "huifu_id", "huifuId"), value(data, "apply_no", "applyNo"), value(data, "token_no", "tokenNo"), code, value(data, "sub_resp_desc", "resp_desc", "message"));
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}
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/**
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* Merchant onboarding return codes: {@code 00000000} means processed, {@code 90000000} means
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* the application was accepted and is under provider review. Treating the review status as a
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* failure would reject an application the provider actually accepted, so both are accepted
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* here; an accepted application without a merchant number or card token stays pending.
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*/
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private static boolean success(String code) { return "00000000".equals(code) || "00000100".equals(code) || "90000000".equals(code) || "10000".equals(code) || "0".equals(code) || "SUCCESS".equalsIgnoreCase(code); }
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private static String value(Map<String, Object> data, String... keys) { for (String key : keys) if (data.get(key) != null) return String.valueOf(data.get(key)).trim(); return ""; }
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}
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}
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