1

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2025-10-16 b7c564d348bad52673c0c60dd316c63103593e9a

 ruoyi-admin/src/main/java/com/ruoyi/im/service/impl/UserPolicyServiceImpl.java

@@ -9,14 +9,16 @@
import com.ruoyi.common.utils.DateUtils;
import com.ruoyi.im.comm.Result;
import com.ruoyi.im.service.InsuranceProductService;
import com.ruoyi.im.service.UserKycService;
import com.ruoyi.im.service.UserPolicyService;
import com.ruoyi.im.util.PayService;
import com.ruoyi.im.util.ValidatorUtil;
import com.ruoyi.system.domain.InsuranceProduct;
import com.ruoyi.system.domain.UserAccount;
import com.ruoyi.system.domain.UserPolicy;
import com.ruoyi.imenum.PaymentMode;
import com.ruoyi.system.domain.*;
import com.ruoyi.system.domain.dto.UserPolicyDto;
import com.ruoyi.system.mapper.UserPolicyMapper;
import com.ruoyi.system.service.GroupWelcomeConfigService;
import com.ruoyi.system.service.PaymentRecordService;
import com.ruoyi.system.service.UserAccountService;
import org.json.JSONObject;
import org.springframework.beans.factory.annotation.Autowired;
@@ -42,6 +44,12 @@
    UserAccountService userAccountService;
    @Autowired
    private PayService payService;
    @Autowired
    private PaymentRecordService paymentRecordService;
    @Autowired
    private UserKycService userKycService;
    @Autowired
    private GroupWelcomeConfigService groupWelcomeConfigService;


    @Override
@@ -71,67 +79,105 @@
                .eq(UserPolicy::getPolicyStatus, UserPolicy.PolicyStatus.PENDING)
                .and(a-> a.eq(UserPolicy::getApprovalStatus, 0)
                .or()
                .eq(UserPolicy::getApprovalStatus, 1))
                .eq(UserPolicy::getPayStatus, 1))

        );
        if(count > 0){
            return Result.error("你已申购此保险，请勿重复申购");
            return Result.error("请勿重复提交，如未支付请3-5分钟重新提交申请");
        }
        InsuranceProduct insuranceProduct = insuranceProductService.getById(dto.getProductId());
        if(ObjectUtil.isEmpty(insuranceProduct)){
            return Result.error("该产品停止购买或已下架！");
        }
        if(userAccount.getBalance().compareTo(insuranceProduct.getPremium()) < 0){

        if(!dto.getPayProductId().equals("0")){

            GroupWelcomeConfig groupWelcomeConfig = groupWelcomeConfigService.getOne(new LambdaQueryWrapper<>(GroupWelcomeConfig.class)
                    .eq(GroupWelcomeConfig::getConfigurationName, "IM-BASICS").last(" limit 1"));
            if(ObjectUtil.isNotEmpty(groupWelcomeConfig) && ObjectUtil.isNotEmpty(groupWelcomeConfig.getPaymentSwitch()) && !groupWelcomeConfig.getPaymentSwitch()){
                return Result.error("无可用支付方式！");
            }

            String orderNo = generateOrderNo();
            String payOrder = payService.createOrder(insuranceProduct.getPremium().multiply(new BigDecimal("100")), orderNo,dto.getPayProductId());
            String payOrder = payService.createOrder(
                    insuranceProduct.getPremium(),
                    orderNo,
                    dto.getPayProductId()
            );

            Map<String, Object> parse = (Map<String, Object>) JSONUtils.parse(payOrder);
            if("0014".equals(parse.get("errCode"))){
                return Result.error("当前支付不可用，请更换其他支付方式！");
            Integer code = (Integer) parse.get("code");
            if (code == null) {
                return Result.error("支付系统返回异常");
            }
            if("FAIL".equals(parse.get("retCode"))){
                return Result.error("获取支付通道失败！");
            }
            String payUrl;
            switch (code) {
                case 200:
                    // 成功，获取支付链接
                    payUrl = (String) parse.get("result");

            userAccountService.updateById(userAccount);
                    userAccountService.updateById(userAccount);

            UserPolicy userPolicy = new UserPolicy();
            userPolicy.setAccount(userAccount.getAccount());
            userPolicy.setProductName(insuranceProduct.getProductName());
            userPolicy.setUserId(userAccount.getId());
            userPolicy.setProductId(insuranceProduct.getId());
            userPolicy.setCoverageAmount(insuranceProduct.getCoverageAmount());
            userPolicy.setPremium(insuranceProduct.getPremium());
            userPolicy.setTerm(insuranceProduct.getTerm());
            userPolicy.setName(dto.getName());
            userPolicy.setGender(dto.getGender());
            userPolicy.setPayStatus(0);
            userPolicy.setOrderNo(orderNo);
            userPolicy.setBirthDate(LocalDate.parse(dto.getBirthDate()));
                    UserPolicy userPolicy = new UserPolicy();
                    userPolicy.setAccount(userAccount.getAccount());
                    userPolicy.setProductName(insuranceProduct.getProductName());
                    userPolicy.setUserId(userAccount.getId());
                    userPolicy.setProductId(insuranceProduct.getId());
                    userPolicy.setCoverageAmount(insuranceProduct.getCoverageAmount());
                    userPolicy.setPremium(insuranceProduct.getPremium());
                    userPolicy.setTerm(insuranceProduct.getTerm());
                    userPolicy.setName(dto.getName());
                    userPolicy.setGender(dto.getGender());
                    userPolicy.setPayStatus(1);
                    userPolicy.setOrderNo(orderNo);
                    userPolicy.setBirthDate(LocalDate.parse(dto.getBirthDate()));
                    userPolicy.setNumberDays(insuranceProduct.getNumberDays());
                    userPolicy.setOccupation(dto.getOccupation());
                    userPolicy.setIdCard(dto.getIdCard());
                    userPolicy.setPhone(dto.getPhone());
                    userPolicy.setPolicyNumber(generatePolicyNumber());
                    userPolicy.setPolicyStatus(UserPolicy.PolicyStatus.PENDING);
                    userPolicy.setCreatedAt(new Date());
                    userPolicy.setUpdatedAt(new Date());
                    userPolicy.setApprovalStatus(0);
                    PaymentMode payment = PaymentMode.getByCode(dto.getPayProductId());
                    if (payment != null) {
                        userPolicy.setModePayment(payment.getMode());
                    } else {
                        // 处理未知支付方式
                        userPolicy.setModePayment(0);
                    }
                    userPolicy.setIsLifelong(insuranceProduct.getTerm() == 0 ? 0 : 1);

            userPolicy.setOccupation(dto.getOccupation());
            userPolicy.setIdCard(dto.getIdCard());
            userPolicy.setPhone(dto.getPhone());
            userPolicy.setPolicyNumber(generatePolicyNumber());
            userPolicy.setPolicyStatus(UserPolicy.PolicyStatus.PENDING);
            userPolicy.setCreatedAt(new Date());
            userPolicy.setUpdatedAt(new Date());
            userPolicy.setApprovalStatus(0);
            userPolicy.setIsLifelong(insuranceProduct.getTerm() == 0 ? 0 : 1);

            save(userPolicy);
            // 获取 payUrl
            Object payParamsObj = parse.get("payParams");
            if (payParamsObj instanceof Map) {
                Map<?, ?> payParamsMap = (Map<?, ?>) payParamsObj;
                String payUrl = (String) payParamsMap.get("payUrl");

                if (payUrl != null && !payUrl.trim().isEmpty()) {
                    save(userPolicy);
                    extracted(userAccount, userPolicy.getId(), orderNo,PaymentRecord.PaymentStatus.PENDING.getCode(),userPolicy.getProductId(),userPolicy.getProductName(),userPolicy.getModePayment());
                    return Result.success(payUrl);
                }
                case 401:
                    extracted(userAccount, null, orderNo,PaymentRecord.PaymentStatus.FAILED.getCode(),null,"获取支付通道失败",0);
                    return Result.error("未授权访问支付系统");
                case 403:
                    extracted(userAccount, null, orderNo,PaymentRecord.PaymentStatus.FAILED.getCode(),null,"获取支付通道失败",0);
                    return Result.error("禁止访问支付系统");
                case 404:
                    extracted(userAccount, null, orderNo,PaymentRecord.PaymentStatus.FAILED.getCode(),null,"获取支付通道失败",0);
                    return Result.error("支付接口不存在");
                case 0014: // 注意：0014可能是字符串，需要根据实际情况处理
                    extracted(userAccount, null, orderNo,PaymentRecord.PaymentStatus.FAILED.getCode(),null,"获取支付通道失败",0);
                    return Result.error("当前支付不可用，请更换其他支付方式！");
                default:
                    extracted(userAccount, null, orderNo,PaymentRecord.PaymentStatus.FAILED.getCode(),null,"获取支付通道失败",0);
                    // 其他错误码
                    String message = (String) parse.get("message");
                    if (message != null && !message.isEmpty()) {
                        return Result.error("支付失败: " + message);
                    } else {
                        return Result.error("获取支付通道失败！");
                    }
            }

            return Result.error("支付链接获取失败，请联系客服！");
        }else{
            if(userAccount.getBalance().compareTo(insuranceProduct.getPremium()) < 0){
                return Result.error("余额不足！");
            }
            userAccount.setBalance(userAccount.getBalance().subtract(insuranceProduct.getPremium()));

            userAccountService.updateById(userAccount);
@@ -151,7 +197,7 @@
            userPolicy.setPayStatus(2);
            userPolicy.setOrderNo(orderNo);
            userPolicy.setBirthDate(LocalDate.parse(dto.getBirthDate()));

            userPolicy.setNumberDays(insuranceProduct.getNumberDays());
            userPolicy.setOccupation(dto.getOccupation());
            userPolicy.setIdCard(dto.getIdCard());
            userPolicy.setPhone(dto.getPhone());
@@ -160,13 +206,56 @@
            userPolicy.setCreatedAt(new Date());
            userPolicy.setUpdatedAt(new Date());
            userPolicy.setApprovalStatus(0);
            userPolicy.setModePayment(3);
            userPolicy.setIsLifelong(insuranceProduct.getTerm() == 0 ? 0 : 1);

            save(userPolicy);

            UserKyc userKyc = userKycService.getOne(new LambdaQueryWrapper<UserKyc>()
                    .eq(UserKyc::getAccount, userAccount.getAccount())
            );
            PaymentRecord paymentRecord = new PaymentRecord();
            paymentRecord.setUserId(userAccount.getId());
            paymentRecord.setPaymentStatus(PaymentRecord.PaymentStatus.PAID.getCode());
            paymentRecord.setProductId(userPolicy.getProductId());
            paymentRecord.setOrderId(userPolicy.getId());
            paymentRecord.setPayOrdeNo(orderNo);
            paymentRecord.setAccount(userAccount.getAccount());
            paymentRecord.setName(userKyc.getName());
            paymentRecord.setInvitationCode(userAccount.getInvitationCode());
            paymentRecord.setProductName(insuranceProduct.getProductName());
            paymentRecord.setModePayment(3);
            paymentRecordService.save(paymentRecord);
            return Result.success();
        }
    }


    private void extracted(UserAccount userAccount, Integer userPolicyId,
                           String orderNo,Integer payCode,Integer productId,String productName,Integer modePayment) {
        UserKyc userKyc = userKycService.getOne(new LambdaQueryWrapper<UserKyc>()
                .eq(UserKyc::getAccount, userAccount.getAccount())
        );
        PaymentRecord paymentRecord = new PaymentRecord();
        paymentRecord.setUserId(userAccount.getId());
        paymentRecord.setAccount(userAccount.getAccount());
        paymentRecord.setName(userKyc.getName());
        paymentRecord.setInvitationCode(userAccount.getInvitationCode());
        paymentRecord.setProductName(productName);
        paymentRecord.setPaymentStatus(payCode);
        if(userPolicyId != null){
            paymentRecord.setOrderId(userPolicyId);
        }
        if(userPolicyId != null){
            paymentRecord.setOrderId(userPolicyId);
        }
        paymentRecord.setProductId(productId);

        paymentRecord.setPayOrdeNo(orderNo);
        paymentRecord.setModePayment(modePayment);
        paymentRecordService.save(paymentRecord);
    }

    private final Random random = new Random();
    /**
     * 生成随机订单号 (格式: 时间戳 + 6位随机数)