package com.talentcard.server.business.admin;
import java.util.ArrayList;
import java.util.LinkedHashMap;
import java.util.List;
import java.util.Map;
import com.alibaba.fastjson.JSON;
import com.talentcard.server.business.DatabaseRows;
import com.talentcard.server.business.PageResult;
import com.talentcard.server.business.payment.huifu.HuifuSettlementRecordGateway;
import com.talentcard.server.common.BusinessException;
import com.talentcard.server.common.ErrorCode;
import com.talentcard.server.common.SensitiveDataCrypto;
import org.springframework.jdbc.core.JdbcTemplate;
import org.springframework.stereotype.Service;
import org.springframework.transaction.annotation.Transactional;
import com.talentcard.server.business.merchant.MerchantPaymentReadinessService;
import com.talentcard.server.business.merchant.MerchantSettlementService;
import com.talentcard.server.business.merchant.MerchantTypeCatalog;
import com.talentcard.server.business.merchant.RegionCityCatalog;
/**
* 后台结算管理。
*
*
出款由斗拱按结算周期自动完成(核销确认后的钱进商户基本户,次日自动结算到结算卡),
* 平台不再产生提现记录。后台保留进件、银行卡查询、收款能力快照刷新,以及向通道查询
* 真实结算记录用于监控每天结了多少到银行卡。
*/
@Service
public class MerchantSettlementAdminService {
private final JdbcTemplate jdbc;
private final SensitiveDataCrypto sensitiveDataCrypto;
private final MerchantPaymentReadinessService readinessService;
private final HuifuSettlementRecordGateway settlementRecordGateway;
@org.springframework.beans.factory.annotation.Autowired
private com.talentcard.server.business.merchant.MerchantOnboardingProgressService progressService;
@org.springframework.beans.factory.annotation.Autowired
private com.talentcard.server.business.merchant.MerchantRealnameService realnameService;
@org.springframework.beans.factory.annotation.Autowired
private com.talentcard.server.business.merchant.MerchantSettlementService settlementService;
public Map onboardingProgress(Long id) { return progressService.view(id); }
/** 后台刷新与商户端走同一条路径:先推进已满足前置条件的开通步骤,再查询回报结果。 */
public Map refreshOnboarding(Long id, boolean retry) { return settlementService.refreshProgress(id, retry); }
/** 微信实名认证:平台运营可在后台代为发起;未决申请不会重复提交。 */
public Map submitRealname(Long id, boolean retry) { return realnameService.submit(id, retry); }
public MerchantSettlementAdminService(JdbcTemplate jdbc, SensitiveDataCrypto sensitiveDataCrypto, MerchantPaymentReadinessService readinessService, HuifuSettlementRecordGateway settlementRecordGateway) { this.jdbc = jdbc; this.sensitiveDataCrypto = sensitiveDataCrypto; this.readinessService = readinessService; this.settlementRecordGateway = settlementRecordGateway; }
/**
* 商家类型筛选项。
*
* 取值来自后端目录 {@link MerchantTypeCatalog}——前端原来自己抄了一份 8 项的清单,
* 既有抄错的标签(住宿服务/购房服务/体检服务在目录里只是别名,库里存的是酒店服务/购房优惠/
* 免费体检),也漏掉了后来新增的类型,导致下拉里有选项筛不出数据、数据里有的类型选不到。
*/
public List merchantTypes() {
return MerchantTypeCatalog.all().stream().map(MerchantTypeCatalog.MerchantType::displayName).toList();
}
/**
* 结算记录:钱按结算周期自动划到结算卡之后,「每天结了多少」只能问通道。
*
* 取各商家当前生效的斗拱子商户号,**按商户号去重后逐个查询**、合并成一条时间倒序的列表。
* 通道查询失败只影响这一个商户号,不会让整页失败——监控页最重要的是「看得到」。
*
*
为什么按商户号而不是按商家去问 :结算流水属于商户号(一个收款主体),不属于商家。
* 连锁各门店是各自独立的商家、共用同一个收款主体,通道里就是一条流水;按商家逐家去问会把同一条
* 流水按共用它的商家数重复印出来(7 家共用就是 7 行一模一样的流水号/金额/到账卡),而每家的查询
* 各自带 {@code limit},截断后又会把别的流水挤掉——重复与漏行是同一条错。共用时那一行的商家名
* 把所有共用的商家都列出来(见 {@link #sharedMerchantLabel}),因为流水确实不属于其中任何一家。
*
*
只查「通道侧收款能力已核实且正常」的商户({@link MerchantPaymentReadinessService#channelCapabilityNormal}):
* 没开通好、或在汇付被关停的商户,查过去也会被通道拒(实测被关闭的子商户回「客户与产品关系已关闭」),
* 只会让页面每次打开都多一条失败提示。判定共用收款能力那套取值,不在这里另立一套。
*
*
筛选分两处,因为两类条件属于两边:商家、联系电话、商家类型是**本地商户字段**,先筛掉不匹配的
* 商户再去问通道——既让查询生效,也顺带少打几次通道;状态是**通道流水的结算状态**({@code S}/{@code F}/{@code P}),
* 只能等通道把流水给回来之后再过滤。{@code beginDate}/{@code endDate} 是结算日期的区间(不是商户申请时间)。
*
*
条数上限跟着通道走:这个接口的 {@code pageSize} 超过 50 会被判为基础参数校验失败,
* 传 100 时整页一条流水都查不出来。上限在网关里还有一道兜底,这里只是不要再主动越界。
*/
public Map settlements(String beginDate, String endDate, int size,
String merchantName, String contactMobile, String merchantType, String status) {
StringBuilder where = new StringBuilder("""
where a.status = 'approved' and a.provider_huifu_id is not null and a.provider_huifu_id <> ''
and a.id = (select max(newest.id) from merchant_onboarding_application newest
where newest.merchant_id = a.merchant_id)
""");
List args = new ArrayList<>();
addLike(where, args, "m.merchant_name", merchantName);
addLike(where, args, "m.contact_mobile", contactMobile);
addEqual(where, args, "m.merchant_type", merchantType);
List> candidates = rows("""
select a.id as application_id, a.merchant_id, a.provider_huifu_id, m.merchant_name, s.store_name
from merchant_onboarding_application a
join merchant m on m.id = a.merchant_id
join merchant_store s on s.id = a.store_id
""" + where + " order by a.merchant_id asc", args.toArray());
// 关键:按**商户号**聚合,而不是按商家。一个商户号就是一个收款主体,结算流水只挂在它上面。
Map>> merchantsByHuifuId = new LinkedHashMap<>();
for (Map candidate : candidates) {
if (!readinessService.channelCapabilityNormal(((Number) candidate.get("applicationId")).longValue())) continue;
merchantsByHuifuId.computeIfAbsent(String.valueOf(candidate.get("providerHuifuId")), huifuId -> new ArrayList<>())
.add(candidate);
}
List> records = new ArrayList<>();
List failures = new ArrayList<>();
int limit = Math.min(Math.max(size, 1), HuifuSettlementRecordGateway.PROVIDER_MAX_PAGE_SIZE);
for (Map.Entry>> entry : merchantsByHuifuId.entrySet()) {
String huifuId = entry.getKey();
String label = sharedMerchantLabel(entry.getValue());
try {
HuifuSettlementRecordGateway.SettlementRecords response =
settlementRecordGateway.query(huifuId, beginDate, endDate, limit);
if (!response.succeeded()) {
failures.add(label + ":" + response.message());
continue;
}
for (Map record : decode(response.rawRecords(), entry.getValue().get(0), label)) {
if (matchesStatus(record, status)) records.add(record);
}
} catch (RuntimeException exception) {
failures.add(label + ":查询失败");
}
}
records.sort((left, right) -> String.valueOf(right.get("settleDate"))
.compareTo(String.valueOf(left.get("settleDate"))));
Map view = new LinkedHashMap<>();
view.put("beginDate", beginDate);
view.put("endDate", endDate);
view.put("records", records.size() > limit ? records.subList(0, limit) : records);
view.put("total", records.size());
view.put("failures", failures);
return view;
}
/** 结算状态筛选:值是通道自己的流水状态({@code S} 已结算 / {@code F} 失败 / {@code P} 处理中),空则全要。 */
private boolean matchesStatus(Map record, String status) {
if (status == null || status.isBlank()) return true;
return status.trim().equalsIgnoreCase(String.valueOf(record.get("status")));
}
/**
* 这一行显示成哪家的。
*
* 一个商户号可以被多家商家共用(连锁各门店各是一个独立商家,共用一个收款主体),而流水属于
* 商户号、不属于其中任何一家。只说第一家会误导,只留一个名字又像把别家漏了,所以共用时把商家名
* 都列出来并注明共用;只有一家时就照常显示那一家。
*/
private static String sharedMerchantLabel(List> merchants) {
List names = merchants.stream().map(merchant -> String.valueOf(merchant.get("merchantName")))
.distinct().toList();
return names.size() == 1 ? names.get(0) : String.join("、", names) + "(共用收款主体)";
}
/** 把通道返回的结算记录 JSON 转成后台要展示的字段;只读展示,不做金额换算以外的加工。 */
private List> decode(String rawRecords, Map merchant, String merchantLabel) {
List> decoded = new ArrayList<>();
if (rawRecords == null || rawRecords.isBlank()) return decoded;
List> parsed;
try {
parsed = JSON.parseObject(rawRecords, new com.alibaba.fastjson.TypeReference<>() { });
} catch (RuntimeException exception) {
return decoded;
}
if (parsed == null) return decoded;
for (Map record : parsed) {
Map row = new LinkedHashMap<>();
row.put("merchantId", merchant.get("merchantId"));
// 商家名取聚合出来的那个标签:几家共用同一个商户号时,这一条流水是所有共用商家一起的。
row.put("merchantName", merchantLabel);
row.put("storeName", merchant.get("storeName"));
row.put("providerTransactionNo", record.get("trans_id"));
row.put("settleDate", record.get("trans_date"));
row.put("settleAmountCents", cents(record.get("trans_amt")));
row.put("feeAmountCents", cents(record.get("fee_amt")));
row.put("settleCycle", record.get("settle_cycle"));
row.put("status", record.get("trans_stat"));
row.put("cardMasked", record.get("card_no"));
row.put("cardHolder", record.get("card_name"));
decoded.add(row);
}
return decoded;
}
private Long cents(Object yuan) {
if (yuan == null) return null;
return com.talentcard.server.business.payment.huifu.HuifuPayload.amountInCent(String.valueOf(yuan));
}
@Transactional(readOnly = true)
public PageResult> onboardings(int page, int size, String merchantName, String contactMobile, String merchantType, String status, String startDate, String endDate) {
PageResult> result = page("select a.*, a.merchant_name as onboarding_merchant_name, m.merchant_name as merchant_table_name, m.merchant_type, m.contact_mobile as merchant_table_contact_mobile, s.store_name from merchant_onboarding_application a join merchant m on m.id = a.merchant_id join merchant_store s on s.id = a.store_id", "select count(*) from merchant_onboarding_application a join merchant m on m.id = a.merchant_id join merchant_store s on s.id = a.store_id", "a", page, size, merchantName, contactMobile, merchantType, status, startDate, endDate);
result.records().forEach(this::useMerchantTableFields);
return result;
}
@Transactional(readOnly = true)
public Map onboarding(Long id) {
// 详情是进件当时的存档,所以名称和联系方式都取进件表那一份(a.* 里就有):这里不选
// m.merchant_name / m.contact_mobile,同名撞车靠列顺序决定是不可靠的,不选它就没有歧义。
// 列表的「联系电话」是商户表的筛选条件,两者用途不同,别把列表那套映射套过来。
// 结算卡按 initial_bank_card_id 左连进来:运营要在这页看到这条进件绑的是哪张卡,
// 但只取脱敏字段——明文卡号和 card_no_encrypted 都不出接口。
List> rows = rows("select a.*, a.merchant_name as onboarding_merchant_name, m.merchant_type, s.store_name, c.bank_name as settlement_bank_name, c.branch_name as settlement_branch_name, c.city_code as settlement_city_code, c.card_masked as settlement_card_masked, c.card_tail as settlement_card_tail, c.status as settlement_card_status, c.reject_reason as settlement_card_reject_reason from merchant_onboarding_application a join merchant m on m.id = a.merchant_id join merchant_store s on s.id = a.store_id left join merchant_bank_card c on c.id = a.initial_bank_card_id where a.id = ?", id);
if (rows.isEmpty()) throw new BusinessException(ErrorCode.NOT_FOUND, "商户进件不存在");
Map result = rows.get(0);
// 结算凭证图一列两义(对私=银行卡卡号面、对公=开户许可证),名字取决于主体是哪一个。
// 判定复用进件那条业务规则,后台不另抄一份。
result.put("privateSettlement", MerchantSettlementService.isPrivateSettlement(result.get("subjectType"), result.get("companyType")));
result.put("settlementCityName", bankCardCityName(result.remove("settlementCityCode")));
if (progressService.supports(result)) result.put("progress", progressService.view(result));
// 个人主体的历史记录可能使用 individual、personal 或中文类型值;
// 只要已保存加密身份证号,后台详情均应解密后完整展示。
String encrypted = String.valueOf(result.get("subjectIdNoEncrypted"));
if (!encrypted.isBlank() && !"null".equals(encrypted)) result.put("subjectIdNo", sensitiveDataCrypto.decrypt(encrypted));
return result;
}
@Transactional(readOnly = true)
public PageResult> bankCards(int page, int size, String merchantName, String contactMobile, String merchantType, String status, String startDate, String endDate) {
PageResult> result = page("select c.*, m.merchant_name, m.merchant_type, m.contact_mobile, s.store_name from merchant_bank_card c join merchant m on m.id = c.merchant_id join merchant_store s on s.id = c.store_id", "select count(*) from merchant_bank_card c join merchant m on m.id = c.merchant_id join merchant_store s on s.id = c.store_id", "c", page, size, merchantName, contactMobile, merchantType, status, startDate, endDate);
result.records().forEach(row -> {
// 卡号在库里是密文,解密出来就是完整 PAN。列表只需要展示,所以密文、卡哈希和
// 明文卡号都不出接口,前端改用后端已生成的 cardMasked。
row.remove("cardNoEncrypted");
row.remove("cardHash");
row.put("cityName", bankCardCityName(row.get("cityCode")));
});
return result;
}
/** Provider-confirmed settlement and encashment capability of one approved sub-merchant. */
public Map paymentCapability(Long applicationId) { return readinessService.capability(applicationId); }
/** Re-reads the provider configuration and stores a fresh capability snapshot. */
public Map refreshPaymentCapability(Long applicationId) { return readinessService.refresh(applicationId); }
private PageResult> page(String query, String count, String tableAlias, int page, int size, String merchantName, String contactMobile, String merchantType, String status, String startDate, String endDate) {
return page(query, count, tableAlias, page, size, merchantName, contactMobile, merchantType, status, startDate, endDate, "");
}
private PageResult> page(String query, String count, String tableAlias, int page, int size, String merchantName, String contactMobile, String merchantType, String status, String startDate, String endDate, String extraWhere) {
int current = Math.max(1, page);
int limit = Math.min(Math.max(1, size), 100);
StringBuilder where = new StringBuilder(" where 1 = 1" + extraWhere);
List args = new ArrayList<>();
addLike(where, args, "m.merchant_name", merchantName);
addLike(where, args, "m.contact_mobile", contactMobile);
addEqual(where, args, "m.merchant_type", merchantType);
addEqual(where, args, tableAlias + ".status", status);
addDate(where, args, tableAlias + ".created_at", startDate, true);
addDate(where, args, tableAlias + ".created_at", endDate, false);
List rowArgs = new ArrayList<>(args);
rowArgs.add(limit);
rowArgs.add((current - 1) * limit);
List> values = rows(query + where + " order by " + tableAlias + ".created_at desc, " + tableAlias + ".id desc limit ? offset ?", rowArgs.toArray());
Long total = jdbc.queryForObject(count + where, Long.class, args.toArray());
return new PageResult<>(values, current, limit, total == null ? 0 : total);
}
private void addLike(StringBuilder where, List args, String column, String value) { if (value != null && !value.trim().isEmpty()) { where.append(" and ").append(column).append(" like ?"); args.add("%" + value.trim() + "%"); } }
private void addEqual(StringBuilder where, List args, String column, String value) { if (value != null && !value.trim().isEmpty()) { where.append(" and ").append(column).append(" = ?"); args.add(value.trim()); } }
private void addDate(StringBuilder where, List args, String column, String value, boolean start) { if (value != null && value.matches("\\d{4}-\\d{2}-\\d{2}")) { where.append(" and ").append(column).append(start ? " >= ?" : " < date_add(?, interval 1 day)"); args.add(value); } }
/**
* 把「商家名称 / 联系方式」换成商户表的值。
*
* 进件表和商户表都有 merchant_name 和 contact_mobile。查询里又带了 {@code a.*},所以即使给
* join 出来的列另起别名,同名列依然存在两份,最终取到哪一个取决于驱动返回同名列的顺序——
* 实测是「先出现的非空值赢」,于是进件表里申请时填的商户名称会盖掉商户表的。而这两个字段的筛选
* 条件({@link #page})用的都是商户表,显示必须跟着筛选走;申请时填的商户名称另以
* onboardingMerchantName 带出,不丢。
*/
private void useMerchantTableFields(Map row) {
row.put("merchantName", row.remove("merchantTableName"));
row.put("contactMobile", row.remove("merchantTableContactMobile"));
}
/**
* 开户城市代码转「省|市」。
*
* 未收录的代码原样返回:行政区划是外部数据,宁可把生僻值露出来让运营反馈,也不要猜一个。
*/
private String bankCardCityName(Object cityCode) {
String code = cityCode == null ? "" : String.valueOf(cityCode).trim();
if (code.isEmpty()) return "";
String name = RegionCityCatalog.provinceCity(code);
return name.isEmpty() ? code : name;
}
private List> rows(String sql, Object... args) { return DatabaseRows.normalize(jdbc.queryForList(sql, args)); }
}