package com.talentcard.server.business.admin;

import static org.assertj.core.api.Assertions.assertThat;
import static org.assertj.core.api.Assertions.assertThatThrownBy;
import static org.mockito.ArgumentMatchers.*;
import static org.mockito.Mockito.*;

import com.talentcard.server.business.merchant.MerchantPaymentReadinessService;
import com.talentcard.server.business.merchant.MerchantSettlementService;
import com.talentcard.server.business.payment.huifu.HuifuMerchantBusinessOpenGateway;
import com.talentcard.server.business.payment.huifu.HuifuMerchantWechatConfigGateway;
import com.talentcard.server.business.payment.huifu.HuifuOnboardingProgressGateway;
import com.talentcard.server.business.payment.huifu.HuifuPictureUploadGateway;
import com.talentcard.server.common.BusinessException;
import java.util.LinkedHashMap;
import java.util.List;
import java.util.Map;
import org.junit.jupiter.api.Test;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.boot.test.context.SpringBootTest;
import org.springframework.jdbc.core.JdbcTemplate;
import org.springframework.test.context.ActiveProfiles;
import org.springframework.test.context.bean.override.mockito.MockitoBean;

/**
 * 外部进件商户的纳管与解绑（接口级，真实测试库 + 模拟汇付响应）。
 *
 * <p>断言只落在对外可见的行为上：纳管与解绑的输入校验与结果、纳管后该商家能通过下单闸门、
 * 共用同一商户号的多个商家各自可用、重复纳管幂等、解绑的在途资金拦截，以及「纳管全程只查询不下发」。
 * 不测内部 SQL 与私有方法调用顺序。
 */
@SpringBootTest
@ActiveProfiles("test")
class MerchantManagedOnboardingTests {
    private static final String APPLY_NO = "HF-EXTERNAL-APPLY-001";

    @Autowired JdbcTemplate jdbc;
    @Autowired MerchantManagedOnboardingService service;
    @Autowired MerchantSettlementService settlementService;
    @Autowired MerchantPaymentReadinessService readinessService;
    @Autowired MerchantSettlementAdminService adminSettlementService;
    @MockitoBean HuifuOnboardingProgressGateway gateway;
    // 纳管全程只查询不下发：这三个下发网关全部挡在这里，任何一次调用都会被断言抓住。
    @MockitoBean HuifuMerchantWechatConfigGateway wechatConfigGateway;
    @MockitoBean HuifuMerchantBusinessOpenGateway businessOpenGateway;
    @MockitoBean HuifuPictureUploadGateway pictureUploadGateway;

    @Test
    void adoptingAChannelMerchantLetsTheStoreCollectThroughTheOrderGate() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("纳管成功");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        Map<String, Object> adopted = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        assertThat(adopted).containsEntry("status", "approved");
        assertThat(jdbc.queryForObject("""
                select source from merchant_onboarding_application where merchant_id = ? and provider_huifu_id = ?
                """, String.class, fixture.merchantId(), huifuId)).isEqualTo("managed");
        assertThat(jdbc.queryForObject("""
                select provider_apply_no from merchant_onboarding_application where merchant_id = ? and provider_huifu_id = ?
                """, String.class, fixture.merchantId(), huifuId)).isEqualTo(APPLY_NO);
        // 结算卡是硬前提：卡与绑卡序列号都从通道查回来，闸门才放行。
        assertThat(jdbc.queryForObject("""
                select provider_token_no from merchant_bank_card where merchant_id = ? and status = 'approved'
                """, String.class, fixture.merchantId())).isEqualTo("external-card-token");
        // 与自助进件走完全相同的收款就绪口径。
        assertThat(readinessService.requireCollectingMerchant(fixture.merchantId(), fixture.storeId()).huifuId())
                .isEqualTo(huifuId);
    }

    /**
     * 进度刷新要能吃下「只有汇付侧入驻申请单号」的进件。
     *
     * <p>通道的申请单状态查询把 {@code apply_no} 列为必填，外部进件商户没有我方发起过的申请单号；
     * 纳管时把汇付侧那个号一起录入，刷新流程无需改动即可跑通，不会永远停在未确认。
     */
    @Test
    void progressConvergesFromTheChannelApplyNumberAlone() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("通道申请单号");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        verify(gateway).queryApplication(eq(huifuId), eq(APPLY_NO));
        assertThat(adoptedApplicationId(fixture.merchantId(), huifuId)).isNotNull();
    }

    /** 通道查不到 = 该商户不在我们渠道商的管辖范围内，纳管必须明确拒绝并给出原因。 */
    @Test
    void aMerchantTheChannelCannotQueryIsRejectedWithItsReason() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("通道查不到");
        when(gateway.queryCapabilities(huifuId)).thenReturn(Map.of("resp_code", "20002", "resp_desc", "数据权限认证失败"));

        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("通道查不到该商户")
                .hasMessageContaining("数据权限认证失败");
        assertThat(jdbc.queryForObject("select count(*) from merchant_onboarding_application where merchant_id = ?",
                Integer.class, fixture.merchantId())).isZero();
    }

    /** 没勾确认框不受理：名称核对是唯一防绑错的那道人工闸门。 */
    @Test
    void adoptingWithoutTheManualConfirmationIsRejected() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("未确认");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), huifuId, APPLY_NO, false))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("勾选确认");
    }

    /** 入驻申请单号必填：取不到就不纳管（不做不依赖申请单号的备用判定分支）。 */
    @Test
    void adoptingWithoutTheChannelApplyNumberIsRejected() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("缺申请单号");

        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), huifuId, "  ", true))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("入驻申请单号");
    }

    /**
     * 主体名不符**只警示不硬拒**：我们这边只有一个商家名（常是简称或服务点名），通道那边是工商全称，
     * 形态不对应，规则化匹配必然误判——误拒会把运营卡死且无路可绕。
     */
    @Test
    void aMerchantNameSharingNotASingleCharacterWarnsButStillAdopts() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("A甲乙丙丁戊己");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token", "上海汇付支付服务有限公司", "汇付支付");

        Map<String, Object> preview = service.preview(fixture.merchantId(), huifuId);

        assertThat(String.valueOf(preview.get("nameWarning"))).contains("没有任何相同字符");
        assertThat(preview).containsEntry("channelMerchantName", "上海汇付支付服务有限公司");
        // 警示不阻挡提交。
        assertThat(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true)).containsEntry("status", "approved");
    }

    /** 名称有重合字符时不提示，避免天天喊狼来了。 */
    @Test
    void overlappingNamesProduceNoWarning() {
        assertThat(MerchantManagedOnboardingService.nameWarning("汇付餐饮店", "上海汇付支付服务有限公司", "汇付支付")).isEmpty();
        assertThat(MerchantManagedOnboardingService.nameWarning("测试商家", "上海汇付支付服务有限公司", "汇付支付")).isNotEmpty();
    }

    /** 同一个汇付商户号可以被多个商家分别纳管（连锁各门店共用一个收款主体），只提示不拦截。 */
    @Test
    void aHuifuIdAlreadyBoundToAnotherMerchantIsReportedButNotBlocked() {
        String huifuId = uniqueHuifuId();
        Fixture first = merchantFixture("连锁A店");
        Fixture second = merchantFixture("连锁B店");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        service.adopt(first.merchantId(), huifuId, APPLY_NO, true);
        // 门店名与商家名一样时不重复印一遍——多数门店就是这样，列表里不该出现「某某商户（某某商户）」。
        jdbc.update("update merchant_store set store_name = ? where id = ?", first.key(), first.storeId());
        Map<String, Object> preview = service.preview(second.merchantId(), huifuId);

        assertThat(preview.get("boundMerchants"))
                .asInstanceOf(org.assertj.core.api.InstanceOfAssertFactories.list(String.class))
                .containsExactly(first.key());
        assertThat((List<?>) preview.get("blockers")).as("已被其他商家绑定只是提示，不能拦").isEmpty();
        assertThat(service.adopt(second.merchantId(), huifuId, APPLY_NO, true)).containsEntry("status", "approved");
        assertThat(readinessService.requireCollectingMerchant(second.merchantId(), second.storeId()).huifuId()).isEqualTo(huifuId);
    }

    /** 重复纳管同一商家是幂等的，不会产生第二条进件记录。 */
    @Test
    void adoptingTheSameMerchantTwiceIsIdempotent() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("幂等");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        Map<String, Object> first = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);
        Map<String, Object> second = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        assertThat(second.get("id")).isEqualTo(first.get("id"));
        assertThat(jdbc.queryForObject("select count(*) from merchant_onboarding_application where merchant_id = ?",
                Integer.class, fixture.merchantId())).isEqualTo(1);
        assertThat(jdbc.queryForObject("select count(*) from merchant_bank_card where merchant_id = ?",
                Integer.class, fixture.merchantId())).isEqualTo(1);
        // 已经纳管过的商户号在核验里只说明会复用原记录，不能报成「门店已有进件」这种硬拦截。
        Map<String, Object> preview = service.preview(fixture.merchantId(), huifuId);
        assertThat(preview).containsEntry("alreadyManaged", true);
        assertThat((List<?>) preview.get("blockers")).isEmpty();
    }

    /**
     * 命中幂等时不能报一句「纳管成功」却什么都没发生。
     *
     * <p>被通道驳回的记录刷新救不回来（{@code supports()} 对 rejected 返回 false），所以必须明确让运营
     * 去解绑后重来；否则运营会以为纳管生效了，而这条记录永远收不了款。
     */
    @Test
    void readoptingAChannelRejectedApplicationAsksTheOperatorToUnbindFirst() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("已驳回重纳管");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);
        jdbc.update("update merchant_onboarding_application set status = 'rejected' where merchant_id = ?", fixture.merchantId());

        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("已被通道驳回")
                .hasMessageContaining("解绑");
        assertThat(jdbc.queryForObject("select count(*) from merchant_onboarding_application where merchant_id = ?",
                Integer.class, fixture.merchantId())).isEqualTo(1);
    }

    /** 同一门店已经有进行中或已通过的进件时拒绝：两条收款主体会在下单时打架。 */
    @Test
    void adoptingASecondSubMerchantForTheSameStoreIsRejected() {
        String firstHuifuId = uniqueHuifuId();
        String secondHuifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("门店冲突");
        stubConvergedChannel(firstHuifuId, "622200001234", "external-card-token");
        stubConvergedChannel(secondHuifuId, "622200001235", "second-card-token");

        service.adopt(fixture.merchantId(), firstHuifuId, APPLY_NO, true);

        assertThat(service.preview(fixture.merchantId(), secondHuifuId).get("blockers"))
                .asInstanceOf(org.assertj.core.api.InstanceOfAssertFactories.list(String.class))
                .anySatisfy(blocker -> assertThat(blocker).contains("同一门店出现两个收款主体"));
        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), secondHuifuId, APPLY_NO, true))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("同一门店出现两个收款主体");
    }

    /**
     * 纳管全程只查询、不下发：通道侧延迟入账没配好时，纳管**不会**替它配一次。
     *
     * <p>下发类操作不幂等（改支付场景会重建微信子商户号），且连锁多店共用同一个汇付商户号时各自
     * 下发会重复下发。缺什么由界面按阶段如实显示，处理另走自助进件的既有路径。
     */
    @Test
    void adoptionNeverSendsAnyProviderChange() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("只查询不下发");
        // 通道侧其他能力都正常，只有延迟入账没开——自助进件在这一点上会下发一次 delay 配置。
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        when(gateway.queryCapabilities(huifuId)).thenReturn(channelDetail(huifuId, "622200001234", "external-card-token", "N", false));

        Map<String, Object> adopted = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        verify(gateway, never()).configureDelay(anyString(), anyString(), anyString());
        verify(wechatConfigGateway, never()).configure(anyString(), anyString());
        verify(businessOpenGateway, never()).open(anyString(), anyString(), anyString(), anyString(), anyBoolean(), anyBoolean(), any(), any(), any());
        verifyNoInteractions(pictureUploadGateway);
        // 如实反映「这一步还没配好」，而不是伪造成功状态。
        assertThat(adopted).containsEntry("status", "pending");
        assertThat((List<Map<String, Object>>) adopted.get("stages"))
                .anySatisfy(stage -> assertThat(stage).containsEntry("key", "delay").containsEntry("status", "missing"));
    }

    /** 后台/商户端点「刷新进度」对纳管记录同样是只查询：不会走开通步骤的那条下发链路。 */
    @Test
    void refreshingAManagedApplicationStaysQueryOnly() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("刷新只查询");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Map<String, Object> adopted = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        settlementService.refreshProgress(Long.valueOf(String.valueOf(adopted.get("id"))), false);

        verify(wechatConfigGateway, never()).configure(anyString(), anyString());
        verify(businessOpenGateway, never()).open(anyString(), anyString(), anyString(), anyString(), anyBoolean(), anyBoolean(), any(), any(), any());
        verify(gateway, never()).configureDelay(anyString(), anyString(), anyString());
        // 通道返回的一切都按原样落库，进度仍是已通过。
        assertThat(settlementService.refreshProgress(Long.valueOf(String.valueOf(adopted.get("id"))), false))
                .containsEntry("status", "approved");
    }

    /** 解绑清理进件记录与结算卡记录，两者都从后台列表消失。 */
    @Test
    void unbindingRemovesTheOnboardingAndItsSettlementCard() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("解绑");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Long applicationId = Long.valueOf(String.valueOf(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true).get("id")));
        assertThat(adminSettlementService.bankCards(1, 20, fixture.key(), null, null, null, null, null).records()).hasSize(1);

        Map<String, Object> result = service.unbind(applicationId);

        assertThat(result).containsEntry("unbound", true);
        assertThat(adminSettlementService.onboardings(1, 20, fixture.key(), null, null, null, null, null).records()).isEmpty();
        assertThat(adminSettlementService.bankCards(1, 20, fixture.key(), null, null, null, null, null).records()).isEmpty();
        assertThat(jdbc.queryForObject("select count(*) from merchant_onboarding_progress where application_id = ?",
                Integer.class, applicationId)).isZero();
    }

    /** 该商户号上还有已收款未结算的订单时拒绝解绑：那是正在进行的对账，不能切断。 */
    @Test
    void unbindingIsRefusedWhileMoneyIsStillUnsettled() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("待结算");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Long applicationId = Long.valueOf(String.valueOf(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true).get("id")));
        insertOrder(fixture, applicationId, huifuId, /*payAmount*/ 1000, /*orderStatus*/ 1, /*refundStatus*/ 0);

        assertThatThrownBy(() -> service.unbind(applicationId))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("已收款未结算");
        assertThat(jdbc.queryForObject("select count(*) from merchant_onboarding_application where id = ?",
                Integer.class, applicationId)).isEqualTo(1);
    }

    @Test
    void unbindingIsRefusedWhileOrdersAreStillInFlight() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("在途订单");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Long applicationId = Long.valueOf(String.valueOf(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true).get("id")));
        insertOrder(fixture, applicationId, huifuId, /*payAmount*/ 1000, /*orderStatus*/ 0, /*refundStatus*/ 0);

        assertThatThrownBy(() -> service.unbind(applicationId))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("在途订单");
    }

    /** 已取消/已退款的终态订单不拦解绑：那不是在途资金。 */
    @Test
    void settledOrRefundedOrdersDoNotBlockUnbinding() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("终态订单");
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Long applicationId = Long.valueOf(String.valueOf(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true).get("id")));
        insertOrder(fixture, applicationId, huifuId, /*payAmount*/ 1000, /*orderStatus*/ 2, /*refundStatus*/ 0);
        insertOrder(fixture, applicationId, huifuId, /*payAmount*/ 1000, /*orderStatus*/ 1, /*refundStatus*/ 2);

        assertThat(service.unbind(applicationId)).containsEntry("unbound", true);
    }

    /** 自助进件的记录不支持解绑：那是商户自己提交的资料，删掉它是另一个性质的操作。 */
    @Test
    void aSelfOnboardedApplicationCannotBeUnbound() {
        Fixture fixture = merchantFixture("自助进件");
        jdbc.update("""
                insert into merchant_onboarding_application(merchant_id, store_id, application_no, subject_type,
                    subject_name, contact_name, contact_mobile, idempotency_key, status, source)
                values (?, ?, ?, 'enterprise', '自助主体', '自助联系人', '13700000000', ?, 'pending', 'self')
                """, fixture.merchantId(), fixture.storeId(), "MO-SELF-" + fixture.key(), fixture.key());
        Long applicationId = jdbc.queryForObject("select id from merchant_onboarding_application where merchant_id = ?",
                Long.class, fixture.merchantId());

        assertThatThrownBy(() -> service.unbind(applicationId))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("不支持解绑");
    }

    /** 解绑只解除我方绑定：商户端登录账号与门店资料都不动，之后可以重新纳管。 */
    @Test
    void unbindingKeepsTheMerchantAccountAndAllowsAdoptingAgain() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("可重新纳管");
        jdbc.update("insert into merchant_operator(merchant_id, account, password_hash, display_name, role_code, status, deleted) values (?, ?, 'x', '店主', 'owner', 1, 0)",
                fixture.merchantId(), "t01op" + Math.abs(System.nanoTime()));
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");
        Long applicationId = Long.valueOf(String.valueOf(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true).get("id")));

        service.unbind(applicationId);
        Map<String, Object> again = service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        assertThat(again).containsEntry("status", "approved");
        assertThat(again.get("id")).isNotEqualTo(String.valueOf(applicationId));
        assertThat(jdbc.queryForObject("select count(*) from merchant_operator where merchant_id = ? and status = 1 and deleted = 0",
                Integer.class, fixture.merchantId())).isEqualTo(1);
    }

    /** 该商家还没有商户端登录账号时纳管照做，但要提示运营，否则商户登不进来。 */
    @Test
    void adoptionWarnsWhenTheMerchantCannotSignInYet() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("未开登录");
        jdbc.update("update merchant set can_login_merchant_app = 0 where id = ?", fixture.merchantId());
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        Map<String, Object> preview = service.preview(fixture.merchantId(), huifuId);

        assertThat(String.valueOf(preview.get("loginNotice"))).contains("未开启商户端登录");
        // 提示不阻挡纳管：纳管只管收款绑定，账号由「商家查询」负责。
        assertThat(service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true)).containsEntry("status", "approved");
    }

    /**
     * 登录开着、账号也在的商家**一条提示都不该有**。
     *
     * <p>这条钉的是一个真出现过的静默 bug：库行经 {@code DatabaseRows.normalize} 后键是 camelCase，
     * 通道回执是 snake_case，两种 map 用同一个 {@code get()} 取，于是把列名写成 snake_case 去读库行会
     * 取到 null（不报错），`!"1".equals("")` 恒真——登录明明开着，界面上却永远挂着「未开启商户端登录」。
     * 只有「正向不提示」的断言能发现它，只测「没开时要提示」是测不出来的。
     */
    @Test
    void noLoginNoticeAtAllWhenTheMerchantCanAlreadySignIn() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("登录开着");
        jdbc.update("""
                insert into merchant_operator(merchant_id, account, password_hash, display_name, role_code, status, deleted)
                values (?, ?, 'x', '店主', 'owner', 1, 0)
                """, fixture.merchantId(), "t01ok" + Math.abs(System.nanoTime()));
        stubConvergedChannel(huifuId, "622200001234", "external-card-token");

        assertThat(service.preview(fixture.merchantId(), huifuId).get("loginNotice")).isEqualTo("");
    }

    /**
     * 通道没给联系人／手机号时，这些非空字段要从**我们自己的商家记录**取，不能留空、也不能顶成别的字段。
     *
     * <p>与上一条同源：它覆盖的正是「拿 snake_case 的键去读库行」会静默取到 null 的那几处。
     */
    @Test
    void missingChannelContactFieldsFallBackToOurMerchantRecord() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("通道缺联系人");
        Map<String, Object> detail = channelDetail(huifuId, "622200001234", "external-card-token", "Y", true);
        // 个人主体：company_type 取我们商家档案上的经营类型；通道侧的联系人三项全部不给。
        detail.put("cust_type", "2");
        detail.remove("contact_name");
        detail.remove("contact_mobile_no");
        detail.remove("legal_mobile_no");
        when(gateway.queryCapabilities(huifuId)).thenReturn(detail);
        when(gateway.queryApplication(anyString(), anyString())).thenReturn(Map.of(
                "resp_code", "00000000", "apply_status", "Y", "reg_status", "S", "bind_card_status", "S"));

        service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true);

        // merchantFixture 的商家记录：contact_name=联系人、contact_mobile=13700000001、merchant_type=餐饮服务
        assertThat(column(fixture, "contact_name")).isEqualTo("联系人");
        assertThat(column(fixture, "contact_mobile")).isEqualTo("13700000001");
        assertThat(column(fixture, "company_type")).isEqualTo("餐饮服务");
        assertThat(column(fixture, "subject_type")).isEqualTo("individual");
    }

    private String column(Fixture fixture, String name) {
        return jdbc.queryForObject("select " + name + " from merchant_onboarding_application where merchant_id = ?",
                String.class, fixture.merchantId());
    }

    /** 通道没给出可用结算卡时不纳管：没有结算卡，进度不会推进、闸门也不会放行。 */
    @Test
    void adoptingIsRejectedWhenTheChannelReturnsNoUsableCard() {
        String huifuId = uniqueHuifuId();
        Fixture fixture = merchantFixture("无结算卡");
        Map<String, Object> detail = channelDetail(huifuId, "622200001234", "token", "Y", true);
        detail.put("qry_cash_card_info_list", List.of(Map.of("card_no", "6222****1234", "token_no", "masked-token")));
        when(gateway.queryCapabilities(huifuId)).thenReturn(detail);

        assertThat(service.preview(fixture.merchantId(), huifuId).get("blockers"))
                .asInstanceOf(org.assertj.core.api.InstanceOfAssertFactories.list(String.class))
                .anySatisfy(blocker -> assertThat(blocker).contains("结算银行卡"));
        assertThatThrownBy(() -> service.adopt(fixture.merchantId(), huifuId, APPLY_NO, true))
                .isInstanceOf(BusinessException.class)
                .hasMessageContaining("结算银行卡");
    }

    private Long adoptedApplicationId(Long merchantId, String huifuId) {
        return jdbc.queryForObject("select id from merchant_onboarding_application where merchant_id = ? and provider_huifu_id = ?",
                Long.class, merchantId, huifuId);
    }

    /** 通道侧一切就绪（六阶段 + 结算卡 + 商户状态正常）的商户详情回执。 */
    private void stubConvergedChannel(String huifuId, String cardNumber, String token) {
        stubConvergedChannel(huifuId, cardNumber, token, "攀枝花测试餐饮有限公司", "测试餐饮");
    }

    private void stubConvergedChannel(String huifuId, String cardNumber, String token, String registeredName, String shortName) {
        when(gateway.queryCapabilities(huifuId)).thenReturn(channelDetail(huifuId, cardNumber, token, "Y", true, registeredName, shortName));
        when(gateway.queryApplication(anyString(), anyString())).thenReturn(Map.of(
                "resp_code", "00000000", "apply_status", "Y", "reg_status", "S", "bind_card_status", "S"));
        when(gateway.queryWechatConfig(anyString())).thenReturn(Map.of("resp_code", "00000000", "atu_config_bo_list",
                List.of(Map.of("fee_type", "02", "wx_config_list",
                        List.of(Map.of("config_type", "1", "config_value", "wxcfee477acb54d179"))))));
        when(gateway.queryRealname(anyString())).thenReturn(Map.of(
                "resp_code", "00000000", "applyment_stat", "APPLYMENT_STATE_PASSED", "authorize_stat", "1"));
    }

    /**
     * 商户详细信息查询的回执：名称、主体类型、结算卡、微信场景、结算配置与延迟配置。
     *
     * <p>{@code delayFlag} 传 {@code N} 就是「通道侧还没开延迟入账」——自助进件在这一点上会下发一次
     * 配置，纳管不允许下发。
     */
    private Map<String, Object> channelDetail(String huifuId, String cardNumber, String token, String delayFlag, boolean settlementConfigured) {
        return channelDetail(huifuId, cardNumber, token, delayFlag, settlementConfigured, "攀枝花测试餐饮有限公司", "测试餐饮");
    }

    private Map<String, Object> channelDetail(String huifuId, String cardNumber, String token, String delayFlag,
                                             boolean settlementConfigured, String registeredName, String shortName) {
        Map<String, Object> detail = new LinkedHashMap<>();
        detail.put("resp_code", "00000000");
        detail.put("huifu_id", huifuId);
        detail.put("reg_name", registeredName);
        detail.put("short_name", shortName);
        detail.put("cust_type", "1");
        detail.put("ent_type", "3");
        detail.put("legal_name", "测试法人");
        detail.put("legal_mobile_no", "13700000009");
        detail.put("contact_name", "测试联系人");
        detail.put("contact_mobile_no", "13700000008");
        detail.put("mer_stat", "NORMAL");
        detail.put("delay_flag", delayFlag);
        detail.put("forced_delay_flag", "N");
        detail.put("qry_cash_card_info_list", List.of(Map.of(
                "card_no", cardNumber, "token_no", token, "status", "N", "is_settle_default", "Y",
                "bank_name", "中国工商银行", "branch_name", "中国工商银行攀枝花东区支行", "branch_code", "102290026507",
                "area_id", "510400", "card_name", registeredName)));
        List<Map<String, Object>> settleConfigs = settlementConfigured
                ? List.of(Map.of("settle_status", "1", "settle_cycle", "D1", "settle_pattern", "P0",
                        "min_amt", "0", "remained_amt", "0", "token_no", token))
                : List.of();
        detail.put("qry_settle_config_list", settleConfigs);
        detail.put("qry_wx_conf_list", wechatScenes());
        return detail;
    }

    private static List<Map<String, Object>> wechatScenes() {
        return List.of("1", "2", "3").stream().map(scene -> Map.of(
                "pay_scene", scene, "fee_rate", "0.30", "fee_min_amt", "0.00",
                "fee_charge_type", "1", "out_fee_flag", "2",
                "wx_mer_infos", List.of(Map.of("bank_mer_code", "922609119", "pay_channel_id", "00016904", "is_default", "1"))
        )).toList();
    }

    /** 一笔处于某种状态的订单；纳管记录会被订单上的收款绑定指回来。 */
    private void insertOrder(Fixture fixture, Long applicationId, String huifuId, long payAmount, int orderStatus, int refundStatus) {
        jdbc.update("""
                insert into benefit_order(order_no, talent_id, merchant_id, store_id, order_type, pay_amount,
                                          order_status, verify_status, refund_status, collect_onboarding_id, collect_huifu_id)
                values (?, 1, ?, ?, 'STORE_CONSUME', ?, ?, 0, ?, ?, ?)
                """, "T01O-" + fixture.key() + "-" + payAmount + orderStatus + refundStatus, fixture.merchantId(),
                fixture.storeId(), payAmount, orderStatus, refundStatus, applicationId, huifuId);
    }

    private Fixture merchantFixture(String label) {
        String key = "T01" + label + System.nanoTime();
        jdbc.update("""
                insert into merchant(merchant_name, merchant_type, contact_name, contact_mobile, can_login_merchant_app, status, deleted)
                values (?, '餐饮服务', '联系人', '13700000001', 1, 1, 0)
                """, key);
        Long merchantId = jdbc.queryForObject("select id from merchant where merchant_name = ?", Long.class, key);
        jdbc.update("insert into merchant_store(merchant_id, store_name, status, deleted) values (?, ?, 1, 0)", merchantId, key + "门店");
        Long storeId = jdbc.queryForObject("select id from merchant_store where merchant_id = ?", Long.class, merchantId);
        return new Fixture(key, merchantId, storeId);
    }

    /** 每个用例用自己的商户号，避免共享测试库上互相串。 */
    private static String uniqueHuifuId() {
        return "6666" + String.format("%014d", Math.abs(System.nanoTime() % 100_000_000_000_000L));
    }

    private record Fixture(String key, Long merchantId, Long storeId) { }
}