代收，代付

zj

2026-01-05 a20da8817adb2342bd60f79e47487186a586f93a

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

@@ -6,9 +6,7 @@
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;
@@ -19,25 +17,22 @@

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.io.UnsupportedEncodingException;
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 com.nq.utils.timeutil.TimeUtil;
import org.apache.commons.collections.map.HashedMap;
import org.apache.commons.lang3.ObjectUtils;
import org.apache.commons.lang3.StringUtils;

@@ -48,8 +43,6 @@

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

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


@Service("iUserWithdrawService")
@@ -343,166 +336,77 @@


    @Transactional
    public ServerResponse updateState(Integer withId, Integer state, String authMsg,
                                      HttpServletRequest request, HttpServletResponse response) 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");
        }
        User user = this.userMapper.selectById(userWithdraw.getUserId());
        if (user == null) {
            return ServerResponse.createByErrorMsg("用户不存在");
        }
        UserAssets userAssets = iUserAssetsServices.assetsByTypeAndUserId("IN", user.getId());
        if (userAssets == null) {
            return ServerResponse.createByErrorMsg("用户资金账户不存在");
        }
        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);
    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");
            }
            UserAssets userAssets = iUserAssetsServices.assetsByTypeAndUserId("IN", user.getId());
            if (userAssets == null) {
                return ServerResponse.createByErrorMsg("用户资金账户不存在");
            }
            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.setAmountToBeCovered(userAssets.getAmountToBeCovered().subtract(userWithdraw.getWithAmt()));
                    userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(userWithdraw.getWithAmt()));
                    userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
                }
            }else{
                userAssets.setAvailableBalance(userAssets.getAvailableBalance().add(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 getObjectServerResponseOne(withId, request, response, userWithdraw, user, userAssets);
            }else{
                return ServerResponse.createByErrorMsg("请选择对应的操作！");
            }
            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
            String result = payForAnOrder(request, response, userWithdraw);
            if(StringUtils.isEmpty(result)){
                return ServerResponse.createByErrorMsg("代付打款失败！");
            }
            ObjectMapper objectMapper = new ObjectMapper();

            // 将 JSON 字符串转换为实体类对象
            TransferResponseBo transferResponseBo = objectMapper.readValue(result, TransferResponseBo.class);
            if(transferResponseBo.getRespCode().equals("FAIL")){
                log.error("代付下单失败："+result);
                return ServerResponse.createByErrorMsg("代付下单失败：",request);
            }
            TransferResponse transferResponse = new TransferResponse();
            transferResponse.setRespCode(transferResponseBo.getRespCode());
            transferResponse.setSignType(transferResponseBo.getSignType());
            transferResponse.setSign(transferResponseBo.getSign());
            transferResponse.setMerTransferId(transferResponseBo.getMerTransferId());
            transferResponse.setTransferAmount(new BigDecimal(transferResponseBo.getTransferAmount()));
            transferResponse.setApplyDate(transferResponseBo.getApplyDate());
            transferResponse.setTradeNo(transferResponseBo.getTradeNo());
            transferResponse.setTradeResult(0);
            transferResponse.setCallbackState(0);
            transferResponse.setUserId(user.getId());
            transferResponse.setCreatedAt(new Date());
            transferResponse.setWithId(withId);
            transferResponseService.save(transferResponse);

            userAssets.setFreezeMoney(userAssets.getFreezeMoney().subtract(userWithdraw.getWithAmt()));
            userAssetsMapper.updateById(userAssets);
            userWithdraw.setWithStatus(4);
            userWithdraw.setTransTime(new Date());
            int updateCount = this.userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
            if (updateCount > 0) {
                return ServerResponse.createBySuccessMsg("操作成功！");
            }
        }catch (Exception e){
            log.info("提现失败："+e.getMessage());
            throw e;
        }
        return ServerResponse.createBySuccessMsg("操作失败！");
    }

    public String payForAnOrder(HttpServletRequest request, HttpServletResponse response,UserWithdraw userWithdraw) throws IOException {
        request.setCharacterEncoding("UTF-8");
        Map<String, String> reqMap = new HashMap<String, String>();
        //申请时间 时间格式：yyyy-MM-dd HH:mm:ss
        reqMap.put("apply_date", getOrderTime());
        //收款银行代码   详见附件银行编码或商户后台银行代码表
        reqMap.put("bank_code", "IDPT0001");
        //商户代码 平台分配唯一
        reqMap.put("mch_id", "222887002");
        // 商家转账订单号 保证每笔订单唯一
        reqMap.put("mch_transferId", generatePayOrderId());
        //收款银行账号   银行账号(巴西PIX代付填对应类型的PIX账号)
        reqMap.put("receive_account", userWithdraw.getBankNo());
        //收款银行户名
        reqMap.put("receive_name", userWithdraw.getBankName());
        //转账金额 整数，以元为单位
        reqMap.put("transfer_amount", userWithdraw.getWithAmt().toString());
        //备注
        reqMap.put("remark", userWithdraw.getBankAddress());
        //异步通知地址
        reqMap.put("back_url", "https://api.durocaspitall.com/user/noticePayment.do");
        String signStr = SignUtil.sortData(reqMap);
        //签名方式 固定值MD5，不参与签名
        reqMap.put("sign_type", "MD5");

        String reqUrl = "https://api.watchglbpay.com/pay/transfer";
        String merchant_key = "ZGZY3REWQJLAWRCRTHWQVGWYPMD878KQ";

        String sign = SignAPI.sign(signStr, merchant_key);

        reqMap.put("sign", sign);

        System.out.println("reqMap：" + reqMap.toString().length() + " --> " + reqMap.toString());
        System.out.println("签名参数排序：" + signStr.length() + " --> " + signStr);
        System.out.println("sign值：" + sign.length() + " --> " + sign);

        String result = HttpClientUtil.doPost(reqUrl, reqMap, "utf-8");
        System.out.println("result值：" + result);
        return result;
    }

    public String generatePayOrderId() {
        // 获取当前时间戳（毫秒）
        long timestamp = System.currentTimeMillis();

        // 生成一个随机的UUID并截取前8位
        String randomUUID = UUID.randomUUID().toString().replace("-", "").substring(0, 8);

        // 将时间戳和随机UUID结合生成订单号
        return timestamp + randomUUID;
    }

    public static String getOrderTime() {
        // 获取当前时间
        LocalDateTime now = LocalDateTime.now();

        // 定义输出格式
        DateTimeFormatter formatter = DateTimeFormatter.ofPattern("yyyy-MM-dd HH:mm:ss");

        // 格式化当前时间
        return now.format(formatter);
    }

    public int deleteByUserId(Integer userId) {
        return this.userWithdrawMapper.deleteByUserId(userId);
@@ -536,80 +440,118 @@

    }

    @Override
    public void noticePayment(TradeResultVO vo, HttpServletResponse response) throws IOException {
        log.info("代付回调信息："+vo.toString());
        synchronized (vo.getTradeNo()){
            TransferResponse transferResponse = transferResponseService.getOne(new LambdaQueryWrapper<>(TransferResponse.class)
                    .eq(TransferResponse::getMerTransferId, vo.getMerTransferId())
                    .eq(TransferResponse::getTradeNo, vo.getTradeNo())
                    .eq(TransferResponse::getTradeResult, 0)
                    .eq(TransferResponse::getCallbackState, 0)
            );

            if(ObjectUtils.isNotEmpty(transferResponse)){
                UserAssets userAssets = iUserAssetsServices.assetsByTypeAndUserId("IN", transferResponse.getUserId());
                UserWithdraw userWithdraw = this.userWithdrawMapper.selectByPrimaryKey(transferResponse.getWithId());


                if (transferResponse.getRespCode().equals("SUCCESS")) {
                    transferResponse.setTradeResult(1);
                    transferResponse.setCallbackState(1);
                    transferResponseService.updateById(transferResponse);

                    userWithdraw.setWithStatus(1);
                    userWithdraw.setTransTime(new Date());
                    userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);

                    log.info("代付回调----成功");
                    PrintWriter pw = response.getWriter();
                    pw.print("success");
                    pw.flush();
                    pw.close(); // 验签成功，响应SUCCESS
                    return;
                } else {
                    if (userAssets == null) {
                        log.error("用户资金账户不存在！");
                        PrintWriter pw = response.getWriter();
                        pw.print("Signature Error");
                        pw.flush();
                        pw.close();
                        return;
                    }
                    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");
                    }
                    userWithdraw.setWithMsg("代付验证失败");
                    userWithdraw.setWithStatus(2);
                    userWithdraw.setTransTime(new Date());
                    userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
                    transferResponse.setTradeResult(2);
                    transferResponse.setCallbackState(2);
                    transferResponseService.updateById(transferResponse);
                    PrintWriter pw = response.getWriter();
                    pw.print("Signature Error");
                    pw.flush();
                    pw.close();
                }
    /**
     * 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.durocaspitall.com/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("代付下单失败：" + payoutResponse.getMessage());
                userWithdraw.setTransTime(new Date());
                userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
                
                return ServerResponse.createByErrorMsg("代付下单失败：" + payoutResponse.getMessage());
            }
            
            // 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;
    }
}