package com.talentcard.server.business.merchant; import java.nio.charset.StandardCharsets; import java.security.MessageDigest; import java.time.LocalDateTime; import java.util.ArrayList; import java.util.LinkedHashMap; import java.util.List; import java.util.Map; import com.talentcard.server.business.BusinessIdGenerator; import com.talentcard.server.business.DatabaseRows; import com.talentcard.server.business.PageResult; import com.talentcard.server.business.merchant.auth.MerchantPrincipal; import com.talentcard.server.business.payment.huifu.HuifuIndividualOnboardingCommand; import com.talentcard.server.business.payment.huifu.HuifuIndividualOnboardingGateway; import com.talentcard.server.business.payment.huifu.HuifuEnterpriseOnboardingCommand; import com.talentcard.server.business.payment.huifu.HuifuEnterpriseOnboardingGateway; import com.talentcard.server.business.payment.huifu.HuifuPaymentGatewayException; import com.talentcard.server.common.SensitiveDataCrypto; import com.talentcard.server.common.BusinessException; import com.talentcard.server.common.ErrorCode; import lombok.extern.slf4j.Slf4j; import org.springframework.jdbc.core.JdbcTemplate; import org.springframework.stereotype.Service; import org.springframework.transaction.annotation.Transactional; @Slf4j @Service public class MerchantSettlementService { private final JdbcTemplate jdbc; private final SensitiveDataCrypto sensitiveDataCrypto; private final HuifuIndividualOnboardingGateway individualOnboardingGateway; private final HuifuEnterpriseOnboardingGateway enterpriseOnboardingGateway; public MerchantSettlementService(JdbcTemplate jdbc, SensitiveDataCrypto sensitiveDataCrypto, HuifuIndividualOnboardingGateway individualOnboardingGateway, HuifuEnterpriseOnboardingGateway enterpriseOnboardingGateway) { this.jdbc = jdbc; this.sensitiveDataCrypto = sensitiveDataCrypto; this.individualOnboardingGateway = individualOnboardingGateway; this.enterpriseOnboardingGateway = enterpriseOnboardingGateway; } @Transactional(readOnly = true) public Map onboardingStatus(MerchantPrincipal principal) { store(principal); List> records = rows("select * from merchant_onboarding_application where merchant_id = ? and store_id = ? order by id desc limit 1", principal.merchantId(), principal.storeId()); return records.isEmpty() ? Map.of("status", "unsubmitted", "reason", "") : onboarding(records.get(0)); } @Transactional public Map submitOnboarding(MerchantPrincipal principal, MerchantOnboardingRequest request, String key) { requireKey(key); store(principal); List> repeated = rows("select * from merchant_onboarding_application where merchant_id = ? and idempotency_key = ? limit 1", principal.merchantId(), key.trim()); if (!repeated.isEmpty()) return onboarding(repeated.get(0)); List> active = rows("select * from merchant_onboarding_application where merchant_id = ? and store_id = ? and status in ('pending','approved') order by id desc limit 1", principal.merchantId(), principal.storeId()); if (!active.isEmpty()) return onboarding(active.get(0)); boolean enterprise = "enterprise".equals(request.subjectType()); if (enterprise && (request.creditCode() == null || !request.creditCode().trim().matches("[0-9A-Z]{18}"))) throw new BusinessException(ErrorCode.BAD_REQUEST, "请输入18位统一社会信用代码"); if (enterprise && (request.subjectIdNumber() == null || !request.subjectIdNumber().trim().matches("(?:\\d{15}|\\d{17}[0-9X])"))) throw new BusinessException(ErrorCode.BAD_REQUEST, "请输入法人正确的身份证号"); if (enterprise && (request.subjectCertificateBeginDate() == null || request.subjectCertificateBeginDate().isBlank())) throw new BusinessException(ErrorCode.BAD_REQUEST, "请输入营业执照成立日期"); if (!enterprise && (request.subjectIdNumber() == null || !request.subjectIdNumber().trim().matches("(?:\\d{15}|\\d{17}[0-9X])"))) throw new BusinessException(ErrorCode.BAD_REQUEST, "请输入正确的身份证号"); requireCertificatePeriod(request.subjectCertificateValidityType(), request.subjectCertificateBeginDate(), request.subjectCertificateEndDate(), "Identity document"); if (enterprise) { requireCertificatePeriod(request.licenseValidityType(), request.licenseBeginDate(), request.licenseEndDate(), "Business licence"); if (blank(request.registeredProvinceCode()) || blank(request.registeredCityCode()) || blank(request.registeredDistrictCode())) throw new BusinessException(ErrorCode.BAD_REQUEST, "Enterprise registration address codes are required"); } String no = BusinessIdGenerator.next("MO"); String certificateValidityType = certificateValidityType(request.subjectCertificateValidityType()); String certificateBeginDate = certificateBeginDate(request.subjectCertificateBeginDate()); jdbc.update("insert into merchant_onboarding_application(merchant_id, store_id, application_no, subject_type, subject_name, credit_code, license_validity_type, license_begin_date, license_end_date, subject_id_no_masked, subject_id_no_encrypted, subject_cert_validity_type, subject_cert_begin_date, subject_cert_end_date, registered_region, registered_province_code, registered_city_code, registered_district_code, registered_address, contact_name, contact_mobile, idempotency_key) values (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)", principal.merchantId(), principal.storeId(), no, request.subjectType(), request.subjectName().trim(), clean(request.creditCode()), certificateValidityType(request.licenseValidityType()), certificateBeginDate(request.licenseBeginDate()), certificateEndDate(request.licenseEndDate()), maskId(request.subjectIdNumber()), sensitiveDataCrypto.encrypt(clean(request.subjectIdNumber()).toUpperCase()), certificateValidityType, certificateBeginDate, certificateEndDate(request.subjectCertificateEndDate()), clean(request.registeredRegion()), clean(request.registeredProvinceCode()), clean(request.registeredCityCode()), clean(request.registeredDistrictCode()), clean(request.registeredAddress()), request.contactName().trim(), request.contactMobile().trim(), key.trim()); if ("individual".equals(request.subjectType())) submitIndividualOnboarding(no, request); else submitEnterpriseOnboarding(no, request); return onboarding(rows("select * from merchant_onboarding_application where application_no = ?", no).get(0)); } private void submitEnterpriseOnboarding(String applicationNo, MerchantOnboardingRequest request) { try { HuifuEnterpriseOnboardingGateway.Result result = enterpriseOnboardingGateway.create(new HuifuEnterpriseOnboardingCommand( applicationNo, request.subjectName().trim(), request.creditCode().trim(), certificateValidityType(request.licenseValidityType()), certificateBeginDate(request.licenseBeginDate()), certificateEndDate(request.licenseEndDate()), clean(request.registeredProvinceCode()), clean(request.registeredCityCode()), clean(request.registeredDistrictCode()), clean(request.registeredAddress()), request.subjectName().trim(), clean(request.subjectIdNumber()).toUpperCase(), certificateValidityType(request.subjectCertificateValidityType()), certificateBeginDate(request.subjectCertificateBeginDate()), certificateEndDate(request.subjectCertificateEndDate()), request.contactName().trim(), request.contactMobile().trim())); if (result.accepted() && !result.huifuId().isBlank()) jdbc.update("update merchant_onboarding_application set status='approved', provider_huifu_id=?, reviewed_at=now(), reject_reason=null where application_no=? and status='pending'", result.huifuId(), applicationNo); else if (!result.accepted()) jdbc.update("update merchant_onboarding_application set status='rejected', reject_reason=?, reviewed_at=now() where application_no=? and status='pending'", providerReason(result.code(), result.message()), applicationNo); else jdbc.update("update merchant_onboarding_application set reject_reason=? where application_no=? and status='pending'", "Huifu accepted the request but did not return huifu_id", applicationNo); } catch (HuifuPaymentGatewayException exception) { jdbc.update("update merchant_onboarding_application set reject_reason=? where application_no=? and status='pending'", "Huifu submission outcome is pending confirmation", applicationNo); } } private void submitIndividualOnboarding(String applicationNo, MerchantOnboardingRequest request) { try { log.error("Huifu Individual onboarding request: {},{}", request,applicationNo); HuifuIndividualOnboardingGateway.Result result = individualOnboardingGateway.create(new HuifuIndividualOnboardingCommand(applicationNo, request.subjectName().trim(), request.subjectIdNumber().trim().toUpperCase(), certificateValidityType(request.subjectCertificateValidityType()), certificateBeginDate(request.subjectCertificateBeginDate()), certificateEndDate(request.subjectCertificateEndDate()), request.contactMobile().trim(), clean(request.registeredAddress()))); log.error("Huifu Individual onboarding result: {}", result); if (result.accepted() && !result.huifuId().isBlank()) jdbc.update("update merchant_onboarding_application set status='approved', provider_huifu_id=?, reviewed_at=now(), reject_reason=null where application_no=? and status='pending'", result.huifuId(), applicationNo); else if (!result.accepted()) jdbc.update("update merchant_onboarding_application set status='rejected', reject_reason=?, reviewed_at=now() where application_no=? and status='pending'", providerReason(result), applicationNo); else jdbc.update("update merchant_onboarding_application set reject_reason=? where application_no=? and status='pending'", "Huifu accepted the request but did not return huifu_id", applicationNo); } catch (HuifuPaymentGatewayException exception) { jdbc.update("update merchant_onboarding_application set reject_reason=? where application_no=? and status='pending'", "Huifu submission outcome is pending confirmation", applicationNo); } } @Transactional(readOnly = true) public List> bankCards(MerchantPrincipal principal) { store(principal); return rows("select * from merchant_bank_card where merchant_id = ? and store_id = ? order by id desc", principal.merchantId(), principal.storeId()).stream().map(this::bankCard).toList(); } @Transactional public Map addBankCard(MerchantPrincipal principal, MerchantBankCardRequest request, String key) { requireKey(key); store(principal); requireApproved(principal); List> repeated = rows("select * from merchant_bank_card where merchant_id = ? and idempotency_key = ? limit 1", principal.merchantId(), key.trim()); if (!repeated.isEmpty()) return bankCard(repeated.get(0)); String number = request.cardNumber().trim(); String hash = sha256(number); List> same = rows("select * from merchant_bank_card where merchant_id = ? and card_hash = ? limit 1", principal.merchantId(), hash); if (!same.isEmpty()) return bankCard(same.get(0)); List> branchRecords = rows("select clearing_code, branch_name, bank_name from bank_branch_directory where clearing_code = ? limit 1", request.branchCode().trim()); if (branchRecords.isEmpty()) throw new BusinessException(ErrorCode.BAD_REQUEST, "请选择真实开户行"); Map branch = branchRecords.get(0); jdbc.update("insert into merchant_bank_card(merchant_id, store_id, bank_name, branch_name, branch_code, city_code, card_tail, card_masked, card_hash, idempotency_key) values (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)", principal.merchantId(), principal.storeId(), clean(branch.get("bankName")), clean(branch.get("branchName")), clean(branch.get("clearingCode")), request.cityCode().trim(), number.substring(number.length() - 4), "**** **** **** " + number.substring(number.length() - 4), hash, key.trim()); return bankCard(rows("select * from merchant_bank_card where merchant_id = ? and card_hash = ?", principal.merchantId(), hash).get(0)); } @Transactional(readOnly = true) public PageResult> bankBranches(String cityCode, String cityName, String keyword, int page, int size) { if (jdbc != null) return bankBranchesFromDirectory(cityCode, cityName, keyword, page, size); // The payment provider's bank directory should replace this curated fallback during Huifu onboarding. List> all = List.of( branch("CCB510400", "中国建设银行攀枝花东区支行营业部", "中国建设银行"), branch("CCB510401", "中国建设银行攀枝花分行营业部", "中国建设银行"), branch("ICBC510400", "中国工商银行攀枝花东区支行", "中国工商银行"), branch("ABC510400", "中国农业银行攀枝花炳草岗支行", "中国农业银行")); String query = clean(keyword).toLowerCase(); int safePage = Math.max(page, 1); int safeSize = Math.min(Math.max(size, 1), 50); List> matched = all.stream().filter(value -> query.isEmpty() || (value.get("branchName") + "" + value.get("bankName")).toLowerCase().contains(query)).toList(); int start = Math.min((safePage - 1) * safeSize, matched.size()); int end = Math.min(start + safeSize, matched.size()); return new PageResult<>(matched.subList(start, end), safePage, safeSize, matched.size()); } private PageResult> bankBranchesFromDirectory(String cityCode, String cityName, String keyword, int page, int size) { int safePage = Math.max(page, 1); int safeSize = Math.min(Math.max(size, 1), 50); StringBuilder where = new StringBuilder(" where 1=1"); List params = new ArrayList<>(); String cityFilter = blank(cityName) ? clean(cityCode) : clean(cityName); int citySeparator = cityFilter.lastIndexOf(' '); if (citySeparator >= 0 && citySeparator + 1 < cityFilter.length()) cityFilter = cityFilter.substring(citySeparator + 1).trim(); cityFilter = cityKeyword(cityFilter); if (!blank(cityFilter)) { where.append(" and (branch_name like ? or bank_name like ?)"); String match = "%" + cityFilter + "%"; params.add(match); params.add(match); } if (!blank(keyword)) { where.append(" and (branch_name like ? or bank_name like ? or clearing_code = ?)"); String match = "%" + clean(keyword) + "%"; params.add(match); params.add(match); params.add(clean(keyword)); } Long total = jdbc.queryForObject("select count(*) from bank_branch_directory" + where, Long.class, params.toArray()); List> values = rows("select clearing_code as id, clearing_code as branch_code, branch_name, head_bank_code, bank_name from bank_branch_directory" + where + " order by branch_name limit ? offset ?", appendPaging(params, safeSize, (safePage - 1) * safeSize)); return new PageResult<>(values, safePage, safeSize, total == null ? 0 : total); } @Transactional(readOnly = true) public Map withdrawalSummary(MerchantPrincipal principal) { store(principal); Long verified = jdbc.queryForObject("select coalesce(sum(pay_amount), 0) from benefit_order where merchant_id = ? and (store_id is null or store_id = ?) and order_status = 1 and verify_status = 1 and deleted = 0", Long.class, principal.merchantId(), principal.storeId()); Long held = jdbc.queryForObject("select coalesce(sum(amount_cents), 0) from merchant_withdrawal where merchant_id = ? and store_id = ? and status in ('pending','processing','paid')", Long.class, principal.merchantId(), principal.storeId()); long available = Math.max(0, (verified == null ? 0 : verified) - (held == null ? 0 : held)); return Map.of("availableAmountCents", available, "frozenAmountCents", held == null ? 0 : held); } @Transactional(readOnly = true) public PageResult> withdrawals(MerchantPrincipal principal, int page, int size) { store(principal); int safePage = Math.max(page, 1); int safeSize = Math.min(Math.max(size, 1), 50); List> values = rows("select w.*, c.bank_name, c.card_masked from merchant_withdrawal w join merchant_bank_card c on c.id = w.bank_card_id where w.merchant_id = ? and w.store_id = ? order by w.id desc limit ? offset ?", principal.merchantId(), principal.storeId(), safeSize, (safePage - 1) * safeSize).stream().map(this::withdrawal).toList(); Long total = jdbc.queryForObject("select count(*) from merchant_withdrawal where merchant_id = ? and store_id = ?", Long.class, principal.merchantId(), principal.storeId()); return new PageResult<>(values, safePage, safeSize, total == null ? 0 : total); } @Transactional public Map createWithdrawal(MerchantPrincipal principal, MerchantWithdrawalRequest request, String key) { requireKey(key); store(principal); requireApproved(principal); List> repeated = rows("select * from merchant_withdrawal where merchant_id = ? and idempotency_key = ? limit 1", principal.merchantId(), key.trim()); if (!repeated.isEmpty()) return withdrawal(repeated.get(0)); Long cardId = number(request.bankCardId()); List> cards = rows("select * from merchant_bank_card where id = ? and merchant_id = ? and store_id = ? and status = 'approved' limit 1", cardId, principal.merchantId(), principal.storeId()); if (cards.isEmpty()) throw new BusinessException(ErrorCode.CONFLICT, "请选择审核通过的银行卡"); long available = ((Number) withdrawalSummary(principal).get("availableAmountCents")).longValue(); if (request.amountCents() > available) throw new BusinessException(ErrorCode.CONFLICT, "提现金额不能超过当前可提金额"); String no = BusinessIdGenerator.next("MW"); jdbc.update("insert into merchant_withdrawal(merchant_id, store_id, withdrawal_no, bank_card_id, amount_cents, idempotency_key) values (?, ?, ?, ?, ?, ?)", principal.merchantId(), principal.storeId(), no, cardId, request.amountCents(), key.trim()); return withdrawal(rows("select w.*, c.bank_name, c.card_masked from merchant_withdrawal w join merchant_bank_card c on c.id = w.bank_card_id where w.withdrawal_no = ?", no).get(0)); } private void requireApproved(MerchantPrincipal principal) { if (!"approved".equals(onboardingStatus(principal).get("status"))) throw new BusinessException(ErrorCode.CONFLICT, "商户进件尚未审核通过"); } private void requireKey(String key) { if (key == null || key.isBlank()) throw new BusinessException(ErrorCode.BAD_REQUEST, "缺少幂等键"); } private void store(MerchantPrincipal principal) { if (rows("select id from merchant_store where id = ? and merchant_id = ? and status = 1 and deleted = 0", principal.storeId(), principal.merchantId()).isEmpty()) throw new BusinessException(ErrorCode.FORBIDDEN, "当前门店不可操作"); } private Map onboarding(Map row) { return Map.of("id", String.valueOf(row.get("id")), "applicationNo", row.get("applicationNo"), "status", row.get("status"), "reason", clean(row.get("rejectReason")), "submittedAt", String.valueOf(row.get("createdAt"))); } private Map bankCard(Map row) { return Map.of("id", String.valueOf(row.get("id")), "bankName", row.get("bankName"), "branchName", row.get("branchName"), "cardMasked", row.get("cardMasked"), "status", row.get("status"), "reason", clean(row.get("rejectReason")), "createdAt", String.valueOf(row.get("createdAt"))); } private Map withdrawal(Map row) { Map value = new LinkedHashMap<>(); value.put("id", String.valueOf(row.get("id"))); value.put("withdrawalNo", row.get("withdrawalNo")); value.put("amountCents", row.get("amountCents")); value.put("status", row.get("status")); value.put("reason", clean(row.get("failureReason"))); value.put("bankName", clean(row.get("bankName"))); value.put("cardMasked", clean(row.get("cardMasked"))); value.put("createdAt", String.valueOf(row.get("createdAt"))); value.put("reviewedAt", clean(row.get("reviewedAt"))); value.put("paidAt", clean(row.get("paidAt"))); return value; } private Map branch(String id, String branchName, String bankName) { return Map.of("id", id, "branchName", branchName, "bankName", bankName); } private Object[] appendPaging(List params, int size, int offset) { Object[] values = new Object[params.size() + 2]; for (int index = 0; index < params.size(); index++) values[index] = params.get(index); values[params.size()] = size; values[params.size() + 1] = offset; return values; } private List> rows(String sql, Object... args) { return DatabaseRows.normalize(jdbc.queryForList(sql, args)); } private Long number(String value) { try { return Long.valueOf(value); } catch (Exception ignored) { throw new BusinessException(ErrorCode.BAD_REQUEST, "编号无效"); } } private String clean(Object value) { return value == null ? "" : String.valueOf(value).trim(); } private String cityKeyword(String value) { String text = clean(value); for (String suffix : List.of("自治州", "地区", "盟", "市", "州")) if (text.endsWith(suffix)) return text.substring(0, text.length() - suffix.length()); return text; } private String certificateValidityType(String value) { return "long_term".equals(value) ? "1" : "0"; } private String certificateBeginDate(String value) { return clean(value).replace("-", ""); } private String certificateEndDate(String value) { return certificateBeginDate(value); } private void requireCertificatePeriod(String validityType, String beginDate, String endDate, String label) { if (blank(beginDate)) throw new BusinessException(ErrorCode.BAD_REQUEST, label + " begin date is required"); if (!"long_term".equals(validityType) && blank(endDate)) throw new BusinessException(ErrorCode.BAD_REQUEST, label + " end date is required when it is not long-term"); if (!blank(endDate) && clean(beginDate).compareTo(clean(endDate)) > 0) throw new BusinessException(ErrorCode.BAD_REQUEST, label + " end date must not precede its begin date"); } private boolean blank(String value) { return value == null || value.isBlank(); } private String providerReason(HuifuIndividualOnboardingGateway.Result result) { return providerReason(result.code(), result.message()); } private String providerReason(String code, String message) { String value = clean(message); return value.isEmpty() ? "Huifu onboarding rejected: " + clean(code) : value; } private String maskId(String id) { String value = clean(id); return value.length() < 8 ? "" : value.substring(0, 3) + "********" + value.substring(value.length() - 4); } private String sha256(String value) { try { byte[] digest = MessageDigest.getInstance("SHA-256").digest(value.getBytes(StandardCharsets.UTF_8)); StringBuilder result = new StringBuilder(); for (byte valueByte : digest) result.append(String.format("%02x", valueByte)); return result.toString(); } catch (Exception exception) { throw new IllegalStateException("Unable to hash bank card", exception); } } }