1

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2026-03-12 0a1d636393cca0d33305e8c0230a33c321ae08e4

 src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java

@@ -1,11 +1,13 @@
package com.nq.service.impl;


import com.alibaba.fastjson2.JSONObject;
import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
import com.baomidou.mybatisplus.core.conditions.query.QueryWrapper;
import com.fasterxml.jackson.databind.ObjectMapper;
import com.google.gson.Gson;
import com.nq.dao.*;
import com.nq.enums.EConfigKey;
import com.nq.enums.EUserAssets;
import com.nq.pay.PayUtil;
import com.nq.pojo.*;
import com.nq.service.*;
import com.github.pagehelper.PageHelper;
@@ -16,17 +18,24 @@

import com.nq.utils.*;
import com.nq.utils.http.HttpClientUtil;
import com.nq.utils.stock.WithDrawUtils;

import java.io.IOException;
import java.io.PrintWriter;
import java.math.BigDecimal;

import java.time.LocalDate;
import java.time.LocalDateTime;
import java.time.format.DateTimeFormatter;
import java.text.SimpleDateFormat;
import java.util.*;

import javax.annotation.Resource;
import javax.servlet.http.HttpServletRequest;
import javax.servlet.http.HttpServletResponse;

import com.nq.utils.timeutil.DateTimeUtil;
import org.apache.commons.collections.map.HashedMap;
import com.nq.utils.timeutil.TimeUtil;
import okhttp3.*;
import org.apache.commons.lang3.ObjectUtils;
import org.apache.commons.lang3.StringUtils;

import org.slf4j.Logger;
@@ -36,8 +45,6 @@

import org.springframework.transaction.annotation.Transactional;
import org.springframework.stereotype.Service;

import static com.nq.utils.timeutil.DateTimeUtil.STANDARD_FORMAT;


@Service("iUserWithdrawService")
@@ -88,9 +95,17 @@
    @Autowired
    IStockConfigServices iStockConfigServices;

    @Autowired
    UserAssetsMapper userAssetsMapper;

    @Resource
    StockTimeSettingMapper stockTimeSettingMapper;

    @Autowired
    TransferResponseService transferResponseService;

    @Transactional
    public ServerResponse outMoney(String amt, String with_Pwd,String accsetType,HttpServletRequest request) throws Exception {
    public ServerResponse outMoney(String amt, String with_Pwd,String accsetType,String bankId,HttpServletRequest request) throws Exception {
        if (StringUtils.isBlank(amt)) {
            return ServerResponse.createByErrorMsg("The parameter cannot be null");
        }
@@ -106,27 +121,26 @@
            if (user.getIsLogin().intValue() == 1) {
                return ServerResponse.createByErrorMsg("用户被锁定",request);
            }
            if (StringUtils.isBlank(user.getRealName()) || StringUtils.isBlank(user.getIdCard())) {
            if (user.getIsActive() != 2) {
                return ServerResponse.createByErrorMsg("未实名认证",request);
            }
            UserBank userBank = this.iUserBankService.findUserBankByUserId(user.getId());
            UserBank userBank = this.userBankMapper.selectById(bankId);
            if (userBank == null) {
                return ServerResponse.createByErrorMsg("未绑定银行卡",request);
                return ServerResponse.createByErrorMsg("银行卡不存在",request);
            }
            if (user.getAccountType().intValue() == 1) {
                return ServerResponse.createByErrorMsg("模拟用户无法提取资金",request);
            }
            SiteSetting siteSetting = this.iSiteSettingService.getSiteSetting();
            if ((new BigDecimal(amt)).compareTo(new BigDecimal(siteSetting.getWithMinAmt().intValue())) == -1) {
                return ServerResponse.createByErrorMsg("Analog users cannot withdraw funds" + siteSetting.getWithMinAmt(),request);
                return ServerResponse.createByErrorMsg("最小提现金额：" + siteSetting.getWithMinAmt(),request);
            }


            String time = iStockConfigServices.queryByKey(EConfigKey.WITHDRAW_TIME_SETTING.getCode()).getCValue();

            if (!WithDrawUtils.checkIsWithTime( Integer.parseInt(time.split("-")[0]), Integer.parseInt(time.split("-")[1]))) {
                return ServerResponse.createByErrorMsg("撤销失败了。提现时间为" + time.split("-")[0] + "点 - " + time.split("-")[1] + "点之间的",request);
            boolean b = getServerResponse();
            if (!b) {
                return ServerResponse.createByErrorMsg("提现失败,当前时间已停止提现", request);
            }

            BigDecimal useAmt =  iUserAssetsServices.getAvailableBalance(accsetType,user.getId());
            BigDecimal tAmt = new BigDecimal(amt);
            if(useAmt.compareTo(tAmt)<0){
@@ -160,6 +174,16 @@

    }

    private boolean getServerResponse() {
        StockTimeSetting stockTimeSetting = stockTimeSettingMapper.selectOne(new QueryWrapper<StockTimeSetting>().eq("accets_type", "IN"));
        if (stockTimeSetting == null) {
            return false;
        }
        if (!stockTimeSetting.getWeekDay().contains(String.valueOf(LocalDate.now().getDayOfWeek().getValue()))) {
            return false;
        }
        return TimeUtil.isTradingHour(stockTimeSetting.getAmStartTime(), stockTimeSetting.getAmEndTime(), stockTimeSetting.getPmStartTime(), stockTimeSetting.getPmEndTime());
    }

    public ServerResponse<PageInfo> findUserWithList(String withStatus, HttpServletRequest request, int pageNum, int pageSize) {

@@ -219,7 +243,13 @@
            User user = this.userMapper.selectById(userWithdraw.getUserId());


            int updateUserCount = this.userMapper.updateById(user);
            UserAssets userAssets = iUserAssetsServices.assetsByTypeAndUserId("IN", user.getId());
            if (userAssets == null) {
                return ServerResponse.createByErrorMsg("用户资金账户不存在");
            }
            userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
            userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
            int updateUserCount = userAssetsMapper.updateById(userAssets);

            if (updateUserCount > 0) {

@@ -307,166 +337,201 @@
    }


    public ServerResponse updateState(Integer withId, Integer state, String authMsg) throws Exception {
        UserWithdraw userWithdraw = this.userWithdrawMapper.selectByPrimaryKey(withId);
        SiteSetting siteSetting = siteSettingService.getSiteSetting();
        if (userWithdraw == null) {
            return ServerResponse.createByErrorMsg("提现订单不存在");
        }
        log.info("当前系统设置  {}", new Gson().toJson(siteSetting));
        if (userWithdraw.getWithStatus().intValue() != 0) {
            return ServerResponse.createByErrorMsg("提现订单已处理，不要重复操作");
        }
        if (state.intValue() == 3 &&
                StringUtils.isBlank(authMsg)) {
            return ServerResponse.createByErrorMsg("失败信息必填");

        }
        if (state == 3) {
    @Transactional
    public ServerResponse updateState(Integer withId, Integer state, String authMsg, HttpServletRequest request, HttpServletResponse response) throws Exception {
        try {
            UserWithdraw userWithdraw = this.userWithdrawMapper.selectByPrimaryKey(withId);
            SiteSetting siteSetting = siteSettingService.getSiteSetting();
            if (userWithdraw == null) {
                return ServerResponse.createByErrorMsg("提现订单不存在");
            }
            log.info("当前系统设置  {}", new Gson().toJson(siteSetting));
            if (userWithdraw.getWithStatus().intValue() != 0) {
                return ServerResponse.createByErrorMsg("提现订单已处理，不要重复操作");
            }
            if (state.intValue() == 3 &&
                    StringUtils.isBlank(authMsg)) {
                return ServerResponse.createByErrorMsg("失败信息必填");
            }
            User user = this.userMapper.selectById(userWithdraw.getUserId());
            if (user == null) {
                return ServerResponse.createByErrorMsg("用户不存在");
            }
            int updateCount = this.userMapper.updateById(user);
            if (updateCount > 0) {
                log.info("提现失败，返还用户资金成功！");
            } else {
                log.error("返还用户资金出错，抛出异常");
                throw new Exception("修改用户资金出错，抛出异常");
            UserAssets userAssets = iUserAssetsServices.assetsByTypeAndUserId("IN", user.getId());
            if (userAssets == null) {
                return ServerResponse.createByErrorMsg("用户资金账户不存在");
            }
            userWithdraw.setWithMsg(authMsg);
        }else if(state == 1){
            // 发起第三方提现
            BigDecimal bgAmount = userWithdraw.getWithAmt();
            if(siteSetting.getWithdraw().equals("Top1")){
                withdrawMethod1(userWithdraw.getId()+"",bgAmount.toString(), userMapper.selectById(userWithdraw.getUserId()));
            } else if (siteSetting.getWithdraw().equals("Top2")) {
                withdrawMethod2(userWithdraw.getId()+"",bgAmount.toString(), userMapper.selectById(userWithdraw.getUserId()));
            }else if(siteSetting.getWithdraw().equals("Top3")){
                withdrawMethod3(userWithdraw.getId()+"",bgAmount.toString(), userMapper.selectById(userWithdraw.getUserId()));
            if (state == 3) {
                if(userAssets.getAmountToBeCovered().compareTo(BigDecimal.ZERO) > 0){
                    BigDecimal subtract = userWithdraw.getWithAmt().subtract(userAssets.getAmountToBeCovered());
                    if(subtract.compareTo(BigDecimal.ZERO) > 0){
                        userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(subtract));
                        userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(subtract));
                        userAssets.setAmountToBeCovered(BigDecimal.ZERO);
                    }else{
                        userAssets.setAmountToBeCovered(userAssets.getAmountToBeCovered().subtract(userWithdraw.getWithAmt()));
                    }
                }else{
                    userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
                    userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
                }
                int updateCount = userAssetsMapper.updateById(userAssets);
                if (updateCount > 0) {
                    log.info("提现失败，返还用户资金成功！");
                } else {
                    log.error("返还用户资金出错，抛出异常");
                    throw new Exception("修改用户资金出错，抛出异常");
                }
                userWithdraw.setWithMsg(authMsg);
                userWithdraw.setWithStatus(2);
                userWithdraw.setTransTime(new Date());
                userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
                return ServerResponse.createBySuccessMsg("操作成功！");
            }else if(state == 2){//手动打款
                userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
                userAssetsMapper.updateById(userAssets);
                userWithdraw.setWithStatus(1);
                userWithdraw.setTransTime(new Date());
                int updateCount = this.userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
                if (updateCount > 0) {
                    return ServerResponse.createBySuccessMsg("操作成功！");
                }
            }else if(state == 1){//走代付
                return getObjectServerResponseTwo(withId, request, response, userWithdraw, user, userAssets);
            }else if(state == 2){//走代付
                return ServerResponse.createByErrorMsg("代付通道关闭");
//                return getObjectServerResponseOne(withId, request, response, userWithdraw, user, userAssets);
            }else{
                withdrawMethod4(userWithdraw.getId()+"",bgAmount.toString(), userMapper.selectById(userWithdraw.getUserId()));
                return ServerResponse.createByErrorMsg("请选择对应的操作！");
            }


        }catch (Exception e){
            log.info("提现失败："+e.getMessage());
            throw e;
        }
        userWithdraw.setWithStatus(state);
        return ServerResponse.createBySuccessMsg("操作失败！");
    }

    //代付二
    private ServerResponse getObjectServerResponseTwo(Integer withId, HttpServletRequest request, HttpServletResponse response, UserWithdraw userWithdraw, User user, UserAssets userAssets) throws Exception {

        String payoutUrl = "https://gateway.kings-pays.com/gateway/payout/init";//正式地址
        String merchantKey = "qqaC1DH/LeR9iPvm";//商户key 需替换
        String aesKey = "ge6vK40fHNZPFJ4p";//商户aesKey 需替换
        String aesIv = "6gJoHTEE1i2O3ovE";//商户aesIv 需替换

        // 1. 生成商户订单号
        String merchantOrderNo = generatePayoutOrderId(withId);

        // 2. 构建加密前的业务参数
        JSONObject dataObj = new JSONObject();
        dataObj.put("amount", userWithdraw.getWithAmt().intValue()); // 注意金额单位（示例中为整数）
        dataObj.put("transferType", "BANK_TRANSFER");
        dataObj.put("beneficiaryName", user.getNickName());
        dataObj.put("beneficiaryEmail", "null@gmail.com");
        dataObj.put("beneficiaryPhoneNo", user.getPhone());
        dataObj.put("beneficiaryAccount", userWithdraw.getBankNo());
        dataObj.put("beneficiaryIFSC", userWithdraw.getBankAddress());
        dataObj.put("merchantOrderNo", merchantOrderNo);
        dataObj.put("notifyUrl", "https://api.greenbackcaps.top/user/payoutCallbackTwo.do");

        // 3. AES 加密
        String encryptedData = AesEncryptUtil.encrypt(dataObj.toJSONString(), aesKey, aesIv);
        JSONObject requestObj = new JSONObject();
        requestObj.put("data", encryptedData);

        // 4. 设置请求头
        Headers headers = new Headers.Builder()
                .add("merchant_key", merchantKey)
                .build();

        // 5. 发送 HTTP 请求
        log.info("代付请求参数：{}", requestObj.toJSONString());
        String respStr = doPost(payoutUrl, requestObj.toJSONString(), headers);
        log.info("代付响应原始数据：{}", respStr);

        // 6. 解析响应（使用 Jackson 或 fastjson，这里以 fastjson 为例）
        JSONObject respJson = JSONObject.parseObject(respStr);
        int code = respJson.getIntValue("code");
        boolean success = respJson.getBooleanValue("success");
        String msg = respJson.getString("msg");

        // 6.1 接口调用失败（code != 0 或 success = false）
        if (code != 0 || !success) {
            handleFailure(userAssets, userWithdraw, "代付请求失败：" + msg);
            return ServerResponse.createByErrorMsg("代付请求失败：" + msg, request);
        }

        // 6.2 获取 data 部分
        JSONObject data = respJson.getJSONObject("data");
        String status = data.getString("status");       // ACCEPT / FAILURE / PROCESSING
        String failMsg = data.getString("message");     // 失败时的具体原因

        // 7. 根据 status 判断业务是否成功
        if ("ACCEPT".equals(status)) {
            // 代付订单被接受（不一定最终成功，需等待回调）
            String platformOrderNo = data.getString("orderNo");

            // 保存代付记录
            saveTransferRecord(merchantOrderNo, platformOrderNo, userWithdraw.getWithAmt(), user.getId(), withId);

            // 更新提现记录为“已提交”
            userWithdraw.setWithStatus(4); // 4:已提交
            userWithdraw.setTransTime(new Date());
            userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);

            log.info("代付下单成功，商户订单号：{}", merchantOrderNo);
            return ServerResponse.createBySuccessMsg("代付申请已提交，请等待处理");
        } else {
            // 业务失败（如 FAILURE）
            String errorMsg = (failMsg != null && !failMsg.isEmpty()) ? failMsg : msg;
            handleFailure(userAssets, userWithdraw, "Withdrawal failed：" + errorMsg);
            return ServerResponse.createByErrorMsg("Withdrawal failed：" + errorMsg, request);
        }



    }

    public static String doPost(String url, String data, Headers headers) throws IOException {
        OkHttpClient customClient = new OkHttpClient();
        Request request = new Request.Builder()
                .url(url)
                .headers(headers)
                .post(RequestBody.create(MediaType.parse("application/json;charset=UTF-8"), data))
                .build();
        Response response = customClient.newCall(request).execute();
        String resp = response.body().string();
        return resp;
    }

    private void handleFailure(UserAssets userAssets, UserWithdraw userWithdraw, String errorMsg) {
        userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
        userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
        userAssetsMapper.updateById(userAssets);

        userWithdraw.setWithStatus(2); // 2:失败
        userWithdraw.setWithMsg(errorMsg);
        userWithdraw.setTransTime(new Date());
        int updateCount = this.userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
        if (updateCount > 0) {
            return ServerResponse.createBySuccessMsg("操作成功！");
        }
        return ServerResponse.createByErrorMsg("操作失败！");

        userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
    }



    public int withdrawMethod1(String ordersn, String payAmt, User user ) {
        UserBank userBank =  userBankMapper.findUserBankByUserId(user.getId());
        Map<String,String> map = new HashedMap();
        map.put("mch_id",PayUtil.MCH_ID_TOP1);
        map.put("back_url","http://www.jumptalk.net:8091/api/pay/withdrawNotify.do");
        map.put("mch_transferId",ordersn);
        map.put("transfer_amount",payAmt);
        map.put("apply_date", DateTimeUtil.getCurrentDate(STANDARD_FORMAT));
        map.put("bank_code",userBank.getBankImg());
        map.put("receive_name",user.getRealName());
        map.put("receive_account",userBank.getBankNo());
        map.put("remark",userBank.getBankAddress());
        String signStr = SignUtil.sortData(map);
        map.put("sign_type","MD5");
        try {
            map.put("sign", SignAPI.sign(signStr,PayUtil.DF_TOKEN_TOP1));
            String reponse = HttpClientUtil.doPost(PayUtil.PAY_TRANSFER_ORDER_TOP1, map, "utf-8");
            com.alibaba.fastjson.JSONObject  object = com.alibaba.fastjson.JSONObject.parseObject(reponse);
        }catch (Exception e){
            e.printStackTrace();
        }
        return -1;
    private void saveTransferRecord(String merchantOrderNo, String platformOrderNo, BigDecimal amount,
                                    Integer userId, Integer withId) {
        TransferResponse record = new TransferResponse();
        record.setMerTransferId(merchantOrderNo);
        record.setTradeNo(platformOrderNo);
        record.setTransferAmount(amount);
        record.setTradeResult(0);       // 0:已下单
        record.setCallbackState(0);     // 0:未处理
        record.setRespCode("SUCCESS");
        record.setSignType("AES");
        record.setApplyDate(new SimpleDateFormat("yyyy-MM-dd HH:mm:ss").format(new Date()));
        record.setUserId(userId);
        record.setWithId(withId);
        record.setCreatedAt(new Date());
        record.setUpdatedAt(new Date());
        transferResponseService.save(record);
    }

    public int withdrawMethod2(String ordersn, String payAmt, User user ) {
        UserBank userBank =  userBankMapper.findUserBankByUserId(user.getId());
        Map<String,String> map = new HashedMap();
        map.put("mch_id",PayUtil.MCH_ID_TOP2);
        map.put("back_url","http://www.jumptalk.net:8091/api/pay/withdrawNotify2.do");
        map.put("mch_transferId",ordersn);
        map.put("transfer_amount",payAmt);
        map.put("apply_date", DateTimeUtil.getCurrentDate(STANDARD_FORMAT));
        map.put("bank_code",userBank.getBankImg());
        map.put("receive_name",user.getRealName());
        map.put("receive_account",userBank.getBankNo());
        map.put("remark",userBank.getBankAddress());
        String signStr = SignUtil.sortData(map);
        log.error("加密前排序字符 {}", signStr);
        map.put("sign_type","MD5");
        try {
            map.put("sign", SignAPI.sign(signStr,PayUtil.DF_TOKEN_TOP2));
            log.info("支付通道2 代付的参数 {}",new Gson().toJson(map));
            String reponse = HttpClientUtil.doPost(PayUtil.PAY_TRANSFER_ORDER_TOP2, map, "utf-8");
            log.info("支付通道2 审核返回的 {}",reponse);
            com.alibaba.fastjson.JSONObject  object = com.alibaba.fastjson.JSONObject.parseObject(reponse);
        }catch (Exception e){
            e.printStackTrace();
        }
        return -1;
    }


    public int withdrawMethod3(String ordersn, String payAmt, User user ) {
        UserBank userBank =  userBankMapper.findUserBankByUserId(user.getId());
        Map<String,String> map = new HashedMap();
        map.put("mch_id",PayUtil.MCH_ID_TOP3);
        map.put("back_url","http://www.jumptalk.net:8091/api/pay/withdrawNotify3.do");
        map.put("mch_transferId",ordersn);
        map.put("transfer_amount",payAmt);
        map.put("apply_date", DateTimeUtil.getCurrentDate(STANDARD_FORMAT));
        map.put("bank_code",userBank.getBankImg());
        map.put("receive_name",user.getRealName());
        map.put("receive_account",userBank.getBankNo());
        map.put("remark",userBank.getBankAddress());
        String signStr = SignUtil.sortData(map);
        log.error("加密前排序字符 {}", signStr);
        map.put("sign_type","MD5");
        try {
            map.put("sign", SignAPI.sign(signStr,PayUtil.DF_TOKEN_TOP3));
            log.info("支付通道3 代付的参数 {}",new Gson().toJson(map));
            String reponse = HttpClientUtil.doPost(PayUtil.PAY_TRANSFER_ORDER_TOP3, map, "utf-8");
            log.info("支付通道3 审核返回的 {}",reponse);
        }catch (Exception e){
            e.printStackTrace();
        }
        return -1;
    }


    public int withdrawMethod4(String ordersn, String payAmt, User user ) {
        UserBank userBank =  userBankMapper.findUserBankByUserId(user.getId());
        Map<String,String> map = new HashedMap();
        map.put("mch_id",PayUtil.MCH_ID_TOP4);
        map.put("back_url","http://www.jumptalk.net:8091/api/pay/withdrawNotify4.do");
        map.put("mch_transferId",ordersn);
        map.put("transfer_amount",payAmt);
        map.put("apply_date", DateTimeUtil.getCurrentDate(STANDARD_FORMAT));
        map.put("bank_code",userBank.getBankImg());
        map.put("receive_name",user.getRealName());
        map.put("receive_account",userBank.getBankNo());
        map.put("remark",userBank.getBankAddress());
        String signStr = SignUtil.sortData(map);
        map.put("sign_type","MD5");
        try {
            map.put("sign", SignAPI.sign(signStr,PayUtil.DF_TOKEN_TOP1));
            String reponse = HttpClientUtil.doPost(PayUtil.PAY_TRANSFER_ORDER_TOP1, map, "utf-8");
            log.info("支付通道4 审核返回的 {}",reponse);
        }catch (Exception e){
            e.printStackTrace();
        }
        return -1;
    }





    public int deleteByUserId(Integer userId) {
@@ -501,5 +566,118 @@

    }

    /**
     * 代付接口调用
     */
    private ServerResponse getObjectServerResponseOne(Integer withId, HttpServletRequest request, 
                                                       HttpServletResponse response, UserWithdraw userWithdraw, 
                                                       User user, UserAssets userAssets) throws Exception {
        try {
            // 配置参数（建议放到配置文件中）
            String appId = "db270b73dc384c89ae7241d6465cee03"; // 从商户后台获取
            String key = "PAXkm5ptBhvzNYBSpdm3p7ipwGUQOF8Fm3tYp0"; // 商户密钥
            String payoutUrl = "https://www.copays.net/open-api/create-payout-order"; // 代付接口地址
            
            // 生成商户订单号
            String merchantOrderId = generatePayoutOrderId(withId);
            
            // 处理金额，保留两位小数
            BigDecimal amount = userWithdraw.getWithAmt();
            amount = amount.setScale(2, BigDecimal.ROUND_HALF_UP);
            
            // 构建请求参数
            Map<String, String> params = new HashMap<>();
            params.put("app_id", appId);
            params.put("merchant_order_id", merchantOrderId);
            params.put("amount", amount.toString());
            params.put("payout_mode", "INDIA_IMPS"); // 代付模式，根据实际情况选择
            params.put("customer_account_type", userWithdraw.getBankAddress()); // 账号类型
            params.put("customer_account_no", userWithdraw.getBankNo()); // 收款人账号（银行卡号或UPI ID）
            params.put("notify_url", "https://api.greenbackcaps.top/user/payoutCallback.do"); // 异步通知地址
            
            // 生成签名
            String sign = PaymentSignUtil.generateSign(params, key);
            params.put("sign", sign);
            
            log.info("代付请求参数：{}", params);
            log.info("生成的签名：{}", sign);
            
            // 发送请求
            String result = HttpClientUtil.doPost(payoutUrl, params, "utf-8");
            log.info("代付返回参数：{}", result);
            
            // 解析响应
            ObjectMapper objectMapper = new ObjectMapper();
            PayoutOrderResponseVo payoutResponse = objectMapper.readValue(result, PayoutOrderResponseVo.class);
            
            // 检查响应
            if (!Integer.valueOf(200).equals(payoutResponse.getCode())) {
                log.error("代付下单失败，返回码：{}，消息：{}，请求参数：{}",
                        payoutResponse.getCode(), payoutResponse.getMessage(), params);
                
                // 代付失败，返还用户资金
                userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
                userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
                userAssetsMapper.updateById(userAssets);
                
                userWithdraw.setWithStatus(2); // 失败
                userWithdraw.setWithMsg("fail：" + payoutResponse.getMessage());
                userWithdraw.setTransTime(new Date());
                userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
                
                return ServerResponse.createByErrorMsg("fail：" + payoutResponse.getMessage(),request);
            }
            
            // 保存代付记录
            PayoutOrderResponseVo.PayoutOrderData responseData = payoutResponse.getData();
            TransferResponse transferResponse = new TransferResponse();
            transferResponse.setMerTransferId(merchantOrderId); // 商户订单号
            transferResponse.setTradeNo(responseData.getSystemOrderId()); // 系统订单号
            transferResponse.setTransferAmount(amount);
            transferResponse.setTradeResult(0); // 0:已下单
            transferResponse.setCallbackState(0); // 0:未处理
            transferResponse.setRespCode("SUCCESS"); // 响应状态：下单成功
            transferResponse.setSignType("MD5"); // 签名方式
            transferResponse.setSign(responseData.getSign()); // 签名
            transferResponse.setApplyDate(new SimpleDateFormat("yyyy-MM-dd HH:mm:ss").format(new Date())); // 订单时间
            transferResponse.setUserId(user.getId());
            transferResponse.setWithId(withId);
            transferResponse.setCreatedAt(new Date());
            transferResponse.setUpdatedAt(new Date());
            transferResponseService.save(transferResponse);
            
            // 更新提现记录状态为已提交（4）
            userWithdraw.setWithStatus(4); // 已提交
            userWithdraw.setTransTime(new Date());
            userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
            
            log.info("代付下单成功，订单号：{}", merchantOrderId);
            return ServerResponse.createBySuccessMsg("代付申请已提交，请等待处理");
            
        } catch (Exception e) {
            log.error("代付下单异常：", e);
            
            // 异常时返还用户资金
            userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
            userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
            userAssetsMapper.updateById(userAssets);
            
            userWithdraw.setWithStatus(2); // 失败
            userWithdraw.setWithMsg("代付下单异常：" + e.getMessage());
            userWithdraw.setTransTime(new Date());
            userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
            
            throw e;
        }
    }
    
    /**
     * 生成代付订单号
     */
    private String generatePayoutOrderId(Integer withId) {
        // 使用提现ID + 时间戳生成唯一订单号
        long timestamp = System.currentTimeMillis();
        return "PAYOUT_" + withId + "_" + timestamp;
    }
}