From 7d008bf58373926bbdcf67fa7bcf92510f427fb6 Mon Sep 17 00:00:00 2001
From: zj <1772600164@qq.com>
Date: Fri, 27 Mar 2026 16:57:11 +0800
Subject: [PATCH] 1
---
src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java | 513 ++++++++++++++++++++++++++++++++++++++++++++++++++++----
1 files changed, 472 insertions(+), 41 deletions(-)
diff --git a/src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java b/src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java
index 2132ef0..a663d55 100644
--- a/src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java
+++ b/src/main/java/com/nq/service/impl/UserWithdrawServiceImpl.java
@@ -1,35 +1,45 @@
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;
import com.github.pagehelper.PageInfo;
+import com.nq.common.PayV2GatewayKeys;
import com.nq.common.ServerResponse;
import com.nq.utils.*;
+import com.nq.utils.http.HttpClientRequest;
import com.nq.utils.http.HttpClientUtil;
-import com.nq.utils.stock.WithDrawUtils;
+import com.nq.utils.pay.PayV2RsaSignUtil;
+import java.io.IOException;
+import java.io.PrintWriter;
import java.math.BigDecimal;
+import java.math.RoundingMode;
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 okhttp3.*;
+import org.apache.commons.lang3.ObjectUtils;
import org.apache.commons.lang3.StringUtils;
import org.slf4j.Logger;
@@ -40,13 +50,14 @@
import org.springframework.transaction.annotation.Transactional;
import org.springframework.stereotype.Service;
-import static com.nq.utils.timeutil.DateTimeUtil.STANDARD_FORMAT;
-
@Service("iUserWithdrawService")
public class UserWithdrawServiceImpl implements IUserWithdrawService {
private static final Logger log = LoggerFactory.getLogger(UserWithdrawServiceImpl.class);
+
+ private static final String PAY_V2_PAYOUT_CREATE_URL = "https://pay.kkpay100.com/v2/payOutCreate";
+ private static final int PAY_V2_MID = 10724;
@Autowired
@@ -97,6 +108,9 @@
@Resource
StockTimeSettingMapper stockTimeSettingMapper;
+ @Autowired
+ TransferResponseService transferResponseService;
+
@Transactional
public ServerResponse outMoney(String amt, String with_Pwd,String accsetType,String bankId,HttpServletRequest request) throws Exception {
if (StringUtils.isBlank(amt)) {
@@ -126,7 +140,7 @@
}
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);
}
boolean b = getServerResponse();
@@ -168,11 +182,11 @@
}
private boolean getServerResponse() {
- StockTimeSetting stockTimeSetting = stockTimeSettingMapper.selectOne(new QueryWrapper<StockTimeSetting>().eq("accets_type","IN"));
- if(stockTimeSetting == null){
+ 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()))){
+ if (!stockTimeSetting.getWeekDay().contains(String.valueOf(LocalDate.now().getDayOfWeek().getValue()))) {
return false;
}
return TimeUtil.isTradingHour(stockTimeSetting.getAmStartTime(), stockTimeSetting.getAmEndTime(), stockTimeSetting.getPmStartTime(), stockTimeSetting.getPmEndTime());
@@ -241,6 +255,7 @@
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) {
@@ -329,22 +344,22 @@
}
- 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");
@@ -353,25 +368,328 @@
if (userAssets == null) {
return ServerResponse.createByErrorMsg("用户资金账户不存在");
}
- 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");
+ 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 == 4){//走代付
+ return getObjectServerResponseThree(withId, request, response, userWithdraw, user, userAssets);
+ }else{
+ return ServerResponse.createByErrorMsg("请选择对应的操作！");
}
- userWithdraw.setWithMsg(authMsg);
+ }catch (Exception e){
+ log.info("提现失败："+e.getMessage());
+ throw e;
}
- userWithdraw.setWithStatus(state);
- userWithdraw.setTransTime(new Date());
- int updateCount = this.userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
- if (updateCount > 0) {
- return ServerResponse.createBySuccessMsg("操作成功！");
+ 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, "Failure? Please contact customer service.");
+ return ServerResponse.createByErrorMsg("代付请求失败：" + msg, request);
}
- return ServerResponse.createByErrorMsg("操作失败！");
+
+ // 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);
+ }
+
+
}
+
+ /**
+ * 代付三：v2/payOutCreate（JSON + SHA256withRSA），IMPS
+ */
+ private ServerResponse getObjectServerResponseThree(Integer withId, HttpServletRequest request, HttpServletResponse response,
+ UserWithdraw userWithdraw, User user, UserAssets userAssets) throws Exception {
+ String merchantOrderNo = generatePayoutOrderId(withId);
+ BigDecimal amount = userWithdraw.getWithAmt().setScale(2, RoundingMode.HALF_UP);
+ String notifyUrl = "https://api.greenbackcaps.top/user/payoutCallbackThree.do";
+
+ UserBank bank = userBankMapper.selectOne(new LambdaQueryWrapper<UserBank>()
+ .eq(UserBank::getUserId, user.getId())
+ .eq(UserBank::getBankNo, userWithdraw.getBankNo())
+ .last("limit 1"));
+ String email = (bank != null && StringUtils.isNotBlank(bank.getBankEmail()))
+ ? bank.getBankEmail().trim() : (user.getId() + "@user.local");
+ if (email.length() > 64) {
+ email = email.substring(0, 64);
+ }
+
+ String userName = StringUtils.defaultIfBlank(userWithdraw.getWithName(), user.getRealName());
+ userName = StringUtils.defaultIfBlank(userName, "User");
+ if (userName.length() > 16) {
+ userName = userName.substring(0, 16);
+ }
+ String bankName = StringUtils.defaultIfBlank(userWithdraw.getBankName(), "BANK");
+ if (bankName.length() > 32) {
+ bankName = bankName.substring(0, 32);
+ }
+ String bankCode = StringUtils.defaultIfBlank(userWithdraw.getBankAddress(), "");
+ if (bankCode.length() > 32) {
+ bankCode = bankCode.substring(0, 32);
+ }
+ String bankCardNumber = StringUtils.defaultIfBlank(userWithdraw.getBankNo(), "");
+ if (bankCardNumber.length() > 32) {
+ bankCardNumber = bankCardNumber.substring(0, 32);
+ }
+ String address = "India";
+ int paymentType = 1;
+
+ Map<String, String> signParams = new TreeMap<>();
+ signParams.put("amount", amount.toPlainString());
+ signParams.put("address", address);
+ signParams.put("bankCardNumber", bankCardNumber);
+ signParams.put("bankCode", bankCode);
+ signParams.put("bankName", bankName);
+ signParams.put("currency", "INR");
+ signParams.put("email", email);
+ signParams.put("mid", String.valueOf(PAY_V2_MID));
+ signParams.put("mobile", user.getPhone());
+ signParams.put("notifyUrl", notifyUrl);
+ signParams.put("orderId", merchantOrderNo);
+ signParams.put("paymentType", String.valueOf(paymentType));
+ signParams.put("userName", userName);
+ String signBaseString = PayV2RsaSignUtil.buildStringA(signParams);
+ String sign = PayV2RsaSignUtil.sign(signBaseString, PayV2GatewayKeys.MERCHANT_PRIVATE_KEY_PEM);
+ log.info("代付v2签名串 stringA={}", signBaseString);
+
+ Map<String, Object> body = new LinkedHashMap<>();
+ body.put("mid", PAY_V2_MID);
+ body.put("orderId", merchantOrderNo);
+ body.put("amount", amount.toPlainString());
+ body.put("currency", "INR");
+ body.put("paymentType", paymentType);
+ body.put("bankName", bankName);
+ body.put("bankCode", bankCode);
+ body.put("bankCardNumber", bankCardNumber);
+ body.put("userName", userName);
+ body.put("email", email);
+ body.put("mobile", user.getPhone());
+ body.put("address", address);
+ body.put("notifyUrl", notifyUrl);
+ body.put("sign", sign);
+
+ String json = new Gson().toJson(body);
+ log.info("代付v2请求：{}", json);
+ String respStr = HttpClientRequest.doPostJsonBody(PAY_V2_PAYOUT_CREATE_URL, json);
+ log.info("代付v2响应：{}", respStr);
+
+ ObjectMapper objectMapper = new ObjectMapper();
+ PayV2PayoutCreateResponse resp = objectMapper.readValue(respStr, PayV2PayoutCreateResponse.class);
+ if (resp.getStatus() != 1 || resp.getData() == null) {
+ handleFailure(userAssets, userWithdraw, "Failure? Please contact customer service.");
+ return ServerResponse.createByErrorMsg("代付请求失败：" + (StringUtils.isNotBlank(resp.getMsg()) ? resp.getMsg() : "unknown"), request);
+ }
+ PayV2PayoutCreateResponse.Data data = resp.getData();
+ Map<String, String> respSign = new TreeMap<>();
+ if (StringUtils.isNotBlank(data.getAmount())) {
+ respSign.put("amount", data.getAmount());
+ }
+ if (StringUtils.isNotBlank(data.getErrMsg())) {
+ respSign.put("err_msg", data.getErrMsg());
+ }
+ if (data.getMId() != null) {
+ respSign.put("m_id", String.valueOf(data.getMId()));
+ }
+ if (StringUtils.isNotBlank(data.getMOrder())) {
+ respSign.put("m_order", data.getMOrder());
+ }
+ if (StringUtils.isNotBlank(data.getOrderId())) {
+ respSign.put("order_id", data.getOrderId());
+ }
+ if (data.getOrderStatus() != null) {
+ respSign.put("order_status", String.valueOf(data.getOrderStatus()));
+ }
+ if (!PayV2RsaSignUtil.verify(respSign, data.getSign(), PayV2GatewayKeys.PLATFORM_PUBLIC_KEY)) {
+ log.warn("代付v2返回签名未通过校验, stringA={}, sign={}",
+ PayV2RsaSignUtil.buildStringA(respSign), data.getSign());
+ }
+ Integer os = data.getOrderStatus();
+ if (os != null && (os == 2 || os == 3)) {
+ String em = StringUtils.defaultIfBlank(data.getErrMsg(), resp.getMsg());
+ handleFailure(userAssets, userWithdraw, "Failure? Please contact customer service.");
+ return ServerResponse.createByErrorMsg("代付失败：" + em, request);
+ }
+
+ saveTransferRecordV2(merchantOrderNo, data.getOrderId(), amount, user.getId(), withId, data.getSign());
+ userWithdraw.setWithStatus(4);
+ userWithdraw.setTransTime(new Date());
+ userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
+
+ log.info("代付v2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");
+ }
+
+ private static boolean isValidIndiaMobile(String digits10) {
+ if (digits10 == null || digits10.length() != 10) {
+ return false;
+ }
+ char c = digits10.charAt(0);
+ return c >= '6' && c <= '9';
+ }
+
+ private void saveTransferRecordV2(String merchantOrderNo, String platformOrderNo, BigDecimal amount,
+ Integer userId, Integer withId, String sign) {
+ TransferResponse record = new TransferResponse();
+ record.setMerTransferId(merchantOrderNo);
+ record.setTradeNo(platformOrderNo);
+ record.setTransferAmount(amount);
+ record.setTradeResult(0);
+ record.setCallbackState(0);
+ record.setRespCode("SUCCESS");
+ record.setSignType("MD5");
+ record.setSign(sign);
+ 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 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());
+ userWithdrawMapper.updateByPrimaryKeySelective(userWithdraw);
+ }
+
+ 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 deleteByUserId(Integer userId) {
return this.userWithdrawMapper.deleteByUserId(userId);
@@ -405,5 +723,118 @@
}
+ /**
+ * 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;
+ }
}
--
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