Files
olons_server/internal/finance/service.go
T

1079 lines
36 KiB
Go

package finance
import (
"context"
"crypto/aes"
"crypto/cipher"
"crypto/hmac"
"crypto/rand"
"crypto/sha256"
"encoding/base64"
"encoding/hex"
"encoding/json"
"errors"
"fmt"
"regexp"
"strconv"
"strings"
"time"
"unicode"
"unicode/utf8"
"git.118im.com/im_team/olons_server/internal/config"
"git.118im.com/im_team/olons_server/internal/store"
"github.com/redis/go-redis/v9"
"golang.org/x/crypto/bcrypt"
)
const (
defaultPageSize = 20
maxPageSize = 100
quoteTTL = 5 * time.Minute
passwordMaxTry = 5
)
var (
tradePasswordPattern = regexp.MustCompile(`^[0-9]{6}$`)
idempotencyPattern = regexp.MustCompile(`^[A-Za-z0-9._:\-]{8,80}$`)
identityNoPattern = regexp.MustCompile(`^[1-9][0-9]{14}(?:[0-9]{2}[0-9X])?$`)
)
type Repository interface {
CurrentSiteConfig(context.Context, int64) (json.RawMessage, error)
AccountSecurity(context.Context, int64, int64) (*store.AccountSecurity, error)
PaymentAccounts(context.Context, int64, int64) ([]store.PaymentAccount, error)
CreatePaymentAccount(context.Context, store.PaymentAccountCreation) (*store.PaymentAccount, error)
PaymentAccountForWithdrawal(context.Context, int64, int64, int64) (*store.PaymentAccount, error)
ActiveWithdrawalChannel(context.Context, int64, []int) (*store.WithdrawalChannel, error)
WithdrawalWallet(context.Context, int64, int64) (*store.WithdrawalWallet, error)
CreateWithdrawal(context.Context, store.WithdrawalCreation) (*store.WithdrawalOrder, error)
WithdrawalOrders(context.Context, int64, int64, int, int, int) (*store.WithdrawalPage, error)
WithdrawalOrder(context.Context, int64, int64, int64) (*store.WithdrawalOrder, error)
RechargeChannels(context.Context, int64) ([]store.RechargeChannel, error)
CreateRecharge(context.Context, store.RechargeCreation) (*store.RechargeOrder, error)
RechargeOrders(context.Context, int64, int64, int, int, int) (*store.RechargePage, error)
RechargeOrder(context.Context, int64, int64, int64) (*store.RechargeOrder, error)
WalletLedgers(context.Context, int64, int64, string, int, int, int) (*store.WalletLedgerPage, error)
}
type Service struct {
repository Repository
redis *redis.Client
aead cipher.AEAD
lookupKey []byte
ready bool
now func() time.Time
}
type PaymentAccountInput struct {
BankName string `json:"bank_name"`
HolderName string `json:"holder_name"`
IdentityNo string `json:"identity_no"`
AccountNo string `json:"account_no"`
DigitalRMBCode string `json:"digital_rmb_code"`
WechatQRAttachmentID int64 `json:"wechat_qr_attachment_id"`
AlipayQRAttachmentID int64 `json:"alipay_qr_attachment_id"`
}
type PaymentAccount struct {
ID int64 `json:"id"`
AccountType string `json:"account_type"`
BankCode string `json:"bank_code"`
BankName string `json:"bank_name"`
HolderMask string `json:"holder_mask"`
IdentityNoMask string `json:"identity_no_mask"`
AccountNoMask string `json:"account_no_mask"`
DigitalRMBCodeMask string `json:"digital_rmb_code_mask"`
WechatQRAttachmentID int64 `json:"wechat_qr_attachment_id"`
AlipayQRAttachmentID int64 `json:"alipay_qr_attachment_id"`
VerifyStatus string `json:"verify_status"`
IsDefault bool `json:"is_default"`
CreatedAt string `json:"created_at,omitempty"`
UpdatedAt string `json:"updated_at,omitempty"`
}
type QuoteInput struct {
PaymentAccountID int64 `json:"payment_account_id"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
}
type Quote struct {
PaymentAccountID int64 `json:"payment_account_id"`
AccountMask string `json:"account_mask"`
ChannelID int64 `json:"channel_id"`
ChannelCode string `json:"channel_code"`
ChannelName string `json:"channel_name"`
RequestAmount int64 `json:"request_amount"`
FeeAmount int64 `json:"fee_amount"`
ActualAmount int64 `json:"actual_amount"`
Currency string `json:"currency"`
MinimumAmount int64 `json:"minimum_amount"`
MaximumAmount int64 `json:"maximum_amount"`
AvailableAmount int64 `json:"available_amount"`
TodayCount int `json:"today_count"`
DailyLimit int `json:"daily_limit"`
QuoteExpiresAt string `json:"quote_expires_at"`
}
type CreateWithdrawalInput struct {
PaymentAccountID int64 `json:"payment_account_id"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
TradePassword string `json:"trade_password"`
}
type Withdrawal struct {
ID int64 `json:"id"`
WithdrawalNo string `json:"withdrawal_no"`
PaymentAccountID int64 `json:"payment_account_id"`
ChannelID int64 `json:"channel_id"`
ChannelName string `json:"channel_name"`
RequestAmount int64 `json:"request_amount"`
FeeAmount int64 `json:"fee_amount"`
ActualAmount int64 `json:"actual_amount"`
Currency string `json:"currency"`
AccountMask string `json:"account_mask"`
BankName string `json:"bank_name"`
HolderMask string `json:"holder_mask"`
Status string `json:"status"`
StatusText string `json:"status_text"`
ReasonCode string `json:"reason_code"`
ReasonText string `json:"reason_text"`
ExternalNo string `json:"external_no,omitempty"`
RiskResult json.RawMessage `json:"risk_result,omitempty"`
ReviewedAt string `json:"reviewed_at,omitempty"`
ProcessedAt string `json:"processed_at,omitempty"`
CompletedAt string `json:"completed_at,omitempty"`
CreatedAt string `json:"created_at"`
UpdatedAt string `json:"updated_at"`
IdempotentReplay bool `json:"idempotent_replay,omitempty"`
}
type WithdrawalPage struct {
Items []Withdrawal `json:"items"`
Page int `json:"page"`
PageSize int `json:"page_size"`
Total int64 `json:"total"`
}
type RechargeChannel struct {
ID int64 `json:"id"`
Code string `json:"channel_code"`
Name string `json:"name"`
ChannelType int `json:"channel_type"`
MinimumAmount int64 `json:"minimum_amount"`
MaximumAmount int64 `json:"maximum_amount"`
FeeType int `json:"fee_type"`
FeeFixedAmount int64 `json:"fee_fixed_amount"`
FeeRate int `json:"fee_rate"`
}
type CreateRechargeInput struct {
ChannelID int64 `json:"channel_id"`
Amount int64 `json:"amount"`
Currency string `json:"currency"`
VoucherAttachmentIDs []int64 `json:"voucher_attachment_ids"`
Remark string `json:"remark"`
}
type Recharge struct {
ID int64 `json:"id"`
RechargeNo string `json:"recharge_no"`
ChannelID int64 `json:"channel_id"`
ChannelName string `json:"channel_name"`
RequestAmount int64 `json:"request_amount"`
PayableAmount int64 `json:"payable_amount"`
PaidAmount int64 `json:"paid_amount"`
Currency string `json:"currency"`
VoucherAttachmentIDs json.RawMessage `json:"voucher_attachment_ids"`
Status string `json:"status"`
StatusText string `json:"status_text"`
ReasonCode string `json:"reason_code"`
ReasonText string `json:"reason_text"`
Remark string `json:"remark"`
PaymentInstructions string `json:"payment_instructions"`
ExpireAt string `json:"expire_at,omitempty"`
PaidAt string `json:"paid_at,omitempty"`
ReviewedAt string `json:"reviewed_at,omitempty"`
CreditedAt string `json:"credited_at,omitempty"`
CreatedAt string `json:"created_at"`
UpdatedAt string `json:"updated_at"`
}
type RechargePage struct {
Items []Recharge `json:"items"`
Page int `json:"page"`
PageSize int `json:"page_size"`
Total int64 `json:"total"`
HasNext bool `json:"has_next"`
}
type WalletLedger struct {
ID int64 `json:"id"`
LedgerNo string `json:"ledger_no"`
BizType string `json:"biz_type"`
BizNo string `json:"biz_no"`
EntryType string `json:"entry_type"`
Direction string `json:"direction"`
Amount int64 `json:"amount"`
BeforeAmount int64 `json:"before_amount"`
AfterAmount int64 `json:"after_amount"`
Currency string `json:"currency"`
Remark string `json:"remark"`
OccurredAt string `json:"occurred_at"`
}
type WalletLedgerPage struct {
Items []WalletLedger `json:"items"`
Page int `json:"page"`
PageSize int `json:"page_size"`
Total int64 `json:"total"`
HasNext bool `json:"has_next"`
}
func New(repository Repository, redisClient *redis.Client, cfg config.AuthConfig) *Service {
service := &Service{repository: repository, redis: redisClient, now: time.Now}
masterKey := strings.TrimSpace(cfg.FinanceMasterKey)
var encryptionKey, lookupKey []byte
if len([]byte(masterKey)) >= 32 {
encryptionKey = deriveKey(masterKey, "data-encryption")
lookupKey = deriveKey(masterKey, "lookup-hmac")
} else {
var encryptionErr, lookupErr error
encryptionKey, encryptionErr = decodeKey(cfg.DataEncryptionKey)
lookupKey, lookupErr = decodeKey(cfg.LookupHMACKey)
if encryptionErr != nil || len(encryptionKey) != 32 || lookupErr != nil || len(lookupKey) < 32 {
return service
}
}
block, err := aes.NewCipher(encryptionKey)
if err != nil {
return service
}
aead, err := cipher.NewGCM(block)
if err != nil {
return service
}
service.aead = aead
service.lookupKey = lookupKey
service.ready = repository != nil && redisClient != nil
return service
}
func deriveKey(masterKey, purpose string) []byte {
mac := hmac.New(sha256.New, []byte(masterKey))
_, _ = mac.Write([]byte("olons-finance:" + purpose + ":v1"))
return mac.Sum(nil)
}
func (s *Service) PaymentAccounts(ctx context.Context, tenantID, memberID int64) ([]PaymentAccount, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
rows, err := s.repository.PaymentAccounts(ctx, tenantID, memberID)
if err != nil {
return nil, err
}
items := make([]PaymentAccount, 0, len(rows))
for _, row := range rows {
items = append(items, paymentAccountFromStore(row))
}
return items, nil
}
func (s *Service) CreatePaymentAccount(ctx context.Context, tenantID, memberID int64, input PaymentAccountInput) (*PaymentAccount, error) {
if !s.ready {
return nil, ErrUnavailable
}
if err := normalizePaymentAccount(&input); err != nil {
return nil, err
}
holderCipher, err := s.encrypt(input.HolderName)
if err != nil {
return nil, err
}
identityNoCipher, err := s.encrypt(input.IdentityNo)
if err != nil {
return nil, err
}
accountCipher, err := s.encrypt(input.AccountNo)
if err != nil {
return nil, err
}
digitalRMBCodeCipher, digitalRMBCodeHash, digitalRMBCodeMask := "", "", ""
if input.DigitalRMBCode != "" {
digitalRMBCodeCipher, err = s.encrypt(input.DigitalRMBCode)
if err != nil {
return nil, err
}
digitalRMBCodeHash = s.lookupHash(input.DigitalRMBCode)
digitalRMBCodeMask = maskAccount(input.DigitalRMBCode)
}
row, err := s.repository.CreatePaymentAccount(ctx, store.PaymentAccountCreation{
TenantID: tenantID, MemberID: memberID, AccountType: 1, BankCode: "BANK", BankName: input.BankName,
HolderCipher: holderCipher, HolderMask: maskName(input.HolderName),
IdentityNoCipher: identityNoCipher, IdentityNoHash: s.lookupHash(input.IdentityNo),
IdentityNoMask: maskIdentityNo(input.IdentityNo), AccountNoCipher: accountCipher,
AccountNoHash: s.lookupHash(input.AccountNo), AccountNoMask: maskAccount(input.AccountNo),
DigitalRMBCodeCipher: digitalRMBCodeCipher, DigitalRMBCodeHash: digitalRMBCodeHash,
DigitalRMBCodeMask: digitalRMBCodeMask,
WechatQRAttachmentID: input.WechatQRAttachmentID,
AlipayQRAttachmentID: input.AlipayQRAttachmentID,
})
if err != nil {
return nil, err
}
result := paymentAccountFromStore(*row)
return &result, nil
}
func (s *Service) Quote(ctx context.Context, tenantID, memberID int64, input QuoteInput) (*Quote, error) {
if !s.ready {
return nil, ErrUnavailable
}
if err := s.ensureWithdrawalEnabled(ctx, tenantID); err != nil {
return nil, err
}
return s.quote(ctx, tenantID, memberID, input)
}
func (s *Service) CreateWithdrawal(ctx context.Context, tenantID, memberID int64, idempotencyKey string, input CreateWithdrawalInput) (*Withdrawal, error) {
if !s.ready {
return nil, ErrUnavailable
}
idempotencyKey = strings.TrimSpace(idempotencyKey)
if !idempotencyPattern.MatchString(idempotencyKey) {
return nil, ErrIdempotencyKey
}
if err := s.ensureWithdrawalEnabled(ctx, tenantID); err != nil {
return nil, err
}
security, err := s.verifyTradePassword(ctx, tenantID, memberID, input.TradePassword)
if err != nil {
return nil, err
}
quote, account, channel, err := s.quoteData(ctx, tenantID, memberID, QuoteInput{
PaymentAccountID: input.PaymentAccountID, Amount: input.Amount, Currency: input.Currency})
if err != nil {
return nil, err
}
holderName, err := s.decrypt(account.HolderCipher)
if err != nil {
return nil, store.ErrPaymentAccountInvalid
}
accountNo, err := s.decrypt(account.AccountNoCipher)
if err != nil {
return nil, store.ErrPaymentAccountInvalid
}
identityNo := ""
if account.IdentityNoCipher != "" {
identityNo, err = s.decrypt(account.IdentityNoCipher)
if err != nil {
return nil, store.ErrPaymentAccountInvalid
}
}
digitalRMBCode := ""
if account.DigitalRMBCodeCipher != "" {
digitalRMBCode, err = s.decrypt(account.DigitalRMBCodeCipher)
if err != nil {
return nil, store.ErrPaymentAccountInvalid
}
}
snapshot, err := json.Marshal(map[string]any{
"account_type": accountTypeName(account.AccountType), "bank_code": account.BankCode,
"bank_name": account.BankName, "holder_name": holderName,
"identity_no": identityNo, "account_no": accountNo,
"digital_rmb_code": digitalRMBCode,
"wechat_qr_attachment_id": account.WechatQRAttachmentID,
"alipay_qr_attachment_id": account.AlipayQRAttachmentID,
})
if err != nil {
return nil, err
}
snapshotCipher, err := s.encrypt(string(snapshot))
if err != nil {
return nil, err
}
withdrawalNo := deterministicNumber("WD", tenantID, memberID, idempotencyKey)
row, err := s.repository.CreateWithdrawal(ctx, store.WithdrawalCreation{
TenantID: tenantID, MemberID: memberID, ExpectedTradePasswordHash: security.TradePasswordHash,
WithdrawalNo: withdrawalNo, PaymentAccountID: account.ID,
ExpectedAccountType: account.AccountType, ExpectedBankCode: account.BankCode,
ExpectedBankName: account.BankName, ExpectedHolderCipher: account.HolderCipher,
ExpectedIdentityNoCipher: account.IdentityNoCipher, ExpectedIdentityNoHash: account.IdentityNoHash,
ExpectedAccountNoCipher: account.AccountNoCipher, ExpectedAccountNoHash: account.AccountNoHash,
ExpectedDigitalRMBCodeCipher: account.DigitalRMBCodeCipher,
ExpectedDigitalRMBCodeHash: account.DigitalRMBCodeHash,
ExpectedWechatQRAttachmentID: account.WechatQRAttachmentID,
ExpectedAlipayQRAttachmentID: account.AlipayQRAttachmentID,
Channel: *channel,
RequestAmount: quote.RequestAmount, FeeAmount: quote.FeeAmount, ActualAmount: quote.ActualAmount,
Currency: quote.Currency, AccountSnapshotCipher: snapshotCipher, AccountMask: account.AccountNoMask,
BankName: account.BankName, HolderMask: account.HolderMask,
AvailableLedgerNo: deterministicNumber("LA", tenantID, memberID, idempotencyKey),
FrozenLedgerNo: deterministicNumber("LF", tenantID, memberID, idempotencyKey),
})
if err != nil {
return nil, err
}
result := withdrawalFromStore(*row)
return &result, nil
}
func (s *Service) WithdrawalOrders(ctx context.Context, tenantID, memberID int64, page, pageSize int, status string) (*WithdrawalPage, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
if page == 0 {
page = 1
}
if pageSize == 0 {
pageSize = defaultPageSize
}
if page < 1 {
return nil, ErrPageInvalid
}
if pageSize < 1 || pageSize > maxPageSize {
return nil, ErrPageSizeInvalid
}
statusCode, ok := withdrawalStatusCode(status)
if !ok {
return nil, ErrStatusInvalid
}
rows, err := s.repository.WithdrawalOrders(ctx, tenantID, memberID, statusCode, (page-1)*pageSize, pageSize)
if err != nil {
return nil, err
}
items := make([]Withdrawal, 0, len(rows.Items))
for _, row := range rows.Items {
items = append(items, withdrawalFromStore(row))
}
return &WithdrawalPage{Items: items, Page: page, PageSize: pageSize, Total: rows.Total}, nil
}
func (s *Service) WithdrawalOrder(ctx context.Context, tenantID, memberID, orderID int64) (*Withdrawal, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
if orderID <= 0 {
return nil, ErrOrderIDInvalid
}
row, err := s.repository.WithdrawalOrder(ctx, tenantID, memberID, orderID)
if err != nil {
return nil, err
}
result := withdrawalFromStore(*row)
return &result, nil
}
func (s *Service) RechargeChannels(ctx context.Context, tenantID int64) ([]RechargeChannel, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
rows, err := s.repository.RechargeChannels(ctx, tenantID)
if err != nil {
return nil, err
}
items := make([]RechargeChannel, 0, len(rows))
for _, row := range rows {
items = append(items, RechargeChannel{ID: row.ID, Code: row.Code, Name: row.Name,
ChannelType: row.ChannelType, MinimumAmount: greaterInt64(1, row.MinAmount),
MaximumAmount: row.MaxAmount, FeeType: row.FeeType,
FeeFixedAmount: row.FeeFixedAmount, FeeRate: row.FeeRate})
}
return items, nil
}
func (s *Service) CreateRecharge(ctx context.Context, tenantID, memberID int64, input CreateRechargeInput) (*Recharge, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
input.Currency = strings.ToUpper(strings.TrimSpace(input.Currency))
input.Remark = strings.TrimSpace(input.Remark)
if input.Currency != "CNY" {
return nil, ErrCurrencyInvalid
}
if input.ChannelID <= 0 {
return nil, store.ErrRechargeChannel
}
if input.Amount <= 0 {
return nil, store.ErrRechargeAmount
}
if utf8.RuneCountInString(input.Remark) > 500 {
return nil, ErrRemarkInvalid
}
if len(input.VoucherAttachmentIDs) > 9 {
return nil, ErrVoucherInvalid
}
seen := make(map[int64]struct{}, len(input.VoucherAttachmentIDs))
for _, id := range input.VoucherAttachmentIDs {
if id <= 0 {
return nil, ErrVoucherInvalid
}
if _, exists := seen[id]; exists {
return nil, ErrVoucherInvalid
}
seen[id] = struct{}{}
}
channels, err := s.repository.RechargeChannels(ctx, tenantID)
if err != nil {
return nil, err
}
var channel *store.RechargeChannel
for i := range channels {
if channels[i].ID == input.ChannelID {
channel = &channels[i]
break
}
}
if channel == nil {
return nil, store.ErrRechargeChannel
}
if input.Amount < greaterInt64(1, channel.MinAmount) || (channel.MaxAmount > 0 && input.Amount > channel.MaxAmount) {
return nil, store.ErrRechargeAmount
}
orderNo, err := randomNumber("RC")
if err != nil {
return nil, err
}
row, err := s.repository.CreateRecharge(ctx, store.RechargeCreation{TenantID: tenantID,
MemberID: memberID, RechargeNo: orderNo, ChannelID: input.ChannelID,
RequestAmount: input.Amount, Currency: input.Currency,
VoucherAttachmentIDs: input.VoucherAttachmentIDs, Remark: input.Remark})
if err != nil {
return nil, err
}
result := rechargeFromStore(*row)
return &result, nil
}
func (s *Service) RechargeOrders(ctx context.Context, tenantID, memberID int64, page, pageSize int, status string) (*RechargePage, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
if page == 0 {
page = 1
}
if pageSize == 0 {
pageSize = defaultPageSize
}
if page < 1 {
return nil, ErrPageInvalid
}
if pageSize < 1 || pageSize > maxPageSize {
return nil, ErrPageSizeInvalid
}
statusCode, ok := rechargeStatusCode(status)
if !ok {
return nil, ErrRechargeStatusInvalid
}
rows, err := s.repository.RechargeOrders(ctx, tenantID, memberID, statusCode, (page-1)*pageSize, pageSize)
if err != nil {
return nil, err
}
items := make([]Recharge, 0, len(rows.Items))
for _, row := range rows.Items {
items = append(items, rechargeFromStore(row))
}
return &RechargePage{Items: items, Page: page, PageSize: pageSize, Total: rows.Total,
HasNext: int64(page*pageSize) < rows.Total}, nil
}
func (s *Service) RechargeOrder(ctx context.Context, tenantID, memberID, orderID int64) (*Recharge, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
if orderID <= 0 {
return nil, ErrRechargeOrderIDInvalid
}
row, err := s.repository.RechargeOrder(ctx, tenantID, memberID, orderID)
if err != nil {
return nil, err
}
result := rechargeFromStore(*row)
return &result, nil
}
func (s *Service) WalletLedgers(ctx context.Context, tenantID, memberID int64, page, pageSize int, bizType, direction string) (*WalletLedgerPage, error) {
if s.repository == nil {
return nil, ErrUnavailable
}
if page == 0 {
page = 1
}
if pageSize == 0 {
pageSize = defaultPageSize
}
if page < 1 {
return nil, ErrPageInvalid
}
if pageSize < 1 || pageSize > maxPageSize {
return nil, ErrPageSizeInvalid
}
bizType = strings.TrimSpace(bizType)
if len(bizType) > 32 {
return nil, ErrLedgerFilterInvalid
}
directionCode := 0
switch strings.ToLower(strings.TrimSpace(direction)) {
case "", "all":
case "income":
directionCode = 1
case "expense":
directionCode = 2
default:
return nil, ErrLedgerFilterInvalid
}
rows, err := s.repository.WalletLedgers(ctx, tenantID, memberID, bizType, directionCode, (page-1)*pageSize, pageSize)
if err != nil {
return nil, err
}
items := make([]WalletLedger, 0, len(rows.Items))
for _, row := range rows.Items {
directionName := "expense"
if row.Direction == 1 {
directionName = "income"
}
items = append(items, WalletLedger{
ID: row.ID, LedgerNo: row.LedgerNo, BizType: row.BizType, BizNo: row.BizNo,
EntryType: row.EntryType, Direction: directionName, Amount: row.Amount,
BeforeAmount: row.BeforeAmount, AfterAmount: row.AfterAmount, Currency: row.Currency,
Remark: row.Remark, OccurredAt: row.OccurredAt,
})
}
return &WalletLedgerPage{Items: items, Page: page, PageSize: pageSize, Total: rows.Total,
HasNext: int64(page*pageSize) < rows.Total}, nil
}
func (s *Service) quote(ctx context.Context, tenantID, memberID int64, input QuoteInput) (*Quote, error) {
quote, _, _, err := s.quoteData(ctx, tenantID, memberID, input)
return quote, err
}
func (s *Service) quoteData(ctx context.Context, tenantID, memberID int64, input QuoteInput) (*Quote, *store.PaymentAccount, *store.WithdrawalChannel, error) {
input.Currency = strings.ToUpper(strings.TrimSpace(input.Currency))
if input.PaymentAccountID <= 0 {
return nil, nil, nil, store.ErrPaymentAccountInvalid
}
if input.Currency != "CNY" {
return nil, nil, nil, ErrCurrencyInvalid
}
if input.Amount <= 0 {
return nil, nil, nil, ErrAmountInvalid
}
account, err := s.repository.PaymentAccountForWithdrawal(ctx, tenantID, memberID, input.PaymentAccountID)
if err != nil {
return nil, nil, nil, err
}
if account.VerifyStatus != 2 {
return nil, nil, nil, store.ErrPaymentAccountInvalid
}
channel, err := s.repository.ActiveWithdrawalChannel(ctx, tenantID, channelTypes(account.AccountType))
if err != nil {
return nil, nil, nil, err
}
wallet, err := s.repository.WithdrawalWallet(ctx, tenantID, memberID)
if err != nil {
return nil, nil, nil, err
}
if wallet.AccountStatus != 1 {
return nil, nil, nil, store.ErrAccountRestricted
}
minimum := channel.MinAmount
if minimum < 1 {
minimum = 1
}
maximum := channel.MaxAmount
if maximum == 0 || maximum > wallet.AvailableAmount {
maximum = wallet.AvailableAmount
}
if input.Amount < minimum || (channel.MaxAmount > 0 && input.Amount > channel.MaxAmount) {
return nil, nil, nil, store.ErrWithdrawalAmount
}
if wallet.DailyLimit > 0 && wallet.TodayCount >= wallet.DailyLimit {
return nil, nil, nil, store.ErrWithdrawalLimit
}
if input.Amount > wallet.AvailableAmount {
return nil, nil, nil, store.ErrInsufficientBalance
}
fee, err := withdrawalFee(input.Amount, *channel)
if err != nil || fee < 0 || fee >= input.Amount {
return nil, nil, nil, store.ErrWithdrawalAmount
}
return &Quote{PaymentAccountID: account.ID, AccountMask: account.AccountNoMask,
ChannelID: channel.ID, ChannelCode: channel.Code, ChannelName: channel.Name,
RequestAmount: input.Amount, FeeAmount: fee, ActualAmount: input.Amount - fee,
Currency: input.Currency, MinimumAmount: minimum, MaximumAmount: maximum,
AvailableAmount: wallet.AvailableAmount, TodayCount: wallet.TodayCount, DailyLimit: wallet.DailyLimit,
QuoteExpiresAt: s.now().UTC().Add(quoteTTL).Format(time.RFC3339)}, account, channel, nil
}
func (s *Service) ensureWithdrawalEnabled(ctx context.Context, tenantID int64) error {
raw, err := s.repository.CurrentSiteConfig(ctx, tenantID)
if err != nil {
return err
}
var config map[string]any
if json.Unmarshal(raw, &config) != nil || !findBool(config, "withdrawal_enabled", "withdrawalEnabled", "WITHDRAWAL") {
return store.ErrWithdrawalDisabled
}
return nil
}
func (s *Service) verifyTradePassword(ctx context.Context, tenantID, memberID int64, password string) (*store.AccountSecurity, error) {
if !tradePasswordPattern.MatchString(strings.TrimSpace(password)) {
return nil, ErrTradePassword
}
key := fmt.Sprintf("olons_server:finance:trade-password-rate:%d:%d", tenantID, memberID)
attempts, err := s.redis.Get(ctx, key).Int()
if err != nil && !errors.Is(err, redis.Nil) {
return nil, ErrUnavailable
}
if attempts >= passwordMaxTry {
return nil, ErrRateLimited
}
security, err := s.repository.AccountSecurity(ctx, tenantID, memberID)
if err != nil {
return nil, err
}
if security.TradePasswordHash == "" {
return nil, ErrTradePasswordUnset
}
if bcrypt.CompareHashAndPassword([]byte(security.TradePasswordHash), []byte(password)) != nil {
pipe := s.redis.TxPipeline()
pipe.Incr(ctx, key)
pipe.Expire(ctx, key, 15*time.Minute)
if _, rateErr := pipe.Exec(ctx); rateErr != nil {
return nil, ErrUnavailable
}
return nil, ErrTradePassword
}
if err := s.redis.Del(ctx, key).Err(); err != nil {
return nil, ErrUnavailable
}
return security, nil
}
func normalizePaymentAccount(input *PaymentAccountInput) error {
input.BankName = strings.TrimSpace(input.BankName)
input.HolderName = strings.TrimSpace(input.HolderName)
input.IdentityNo = strings.ToUpper(strings.NewReplacer(" ", "", "-", "").Replace(input.IdentityNo))
input.AccountNo = strings.NewReplacer(" ", "", "-", "").Replace(strings.TrimSpace(input.AccountNo))
input.DigitalRMBCode = strings.NewReplacer(" ", "", "-", "").Replace(strings.TrimSpace(input.DigitalRMBCode))
if !validHumanName(input.HolderName) || !identityNoPattern.MatchString(input.IdentityNo) ||
utf8.RuneCountInString(input.BankName) < 2 || utf8.RuneCountInString(input.BankName) > 100 ||
len(input.AccountNo) < 8 || len(input.AccountNo) > 32 || !allDigits(input.AccountNo) ||
(input.DigitalRMBCode != "" && (len(input.DigitalRMBCode) < 6 || len(input.DigitalRMBCode) > 32 || !allDigits(input.DigitalRMBCode))) ||
input.WechatQRAttachmentID <= 0 || input.AlipayQRAttachmentID <= 0 ||
input.WechatQRAttachmentID == input.AlipayQRAttachmentID {
return ErrAccountFieldsInvalid
}
return nil
}
func paymentAccountFromStore(row store.PaymentAccount) PaymentAccount {
return PaymentAccount{ID: row.ID, AccountType: accountTypeName(row.AccountType), BankCode: row.BankCode,
BankName: row.BankName, HolderMask: row.HolderMask, IdentityNoMask: row.IdentityNoMask,
AccountNoMask: row.AccountNoMask, DigitalRMBCodeMask: row.DigitalRMBCodeMask,
WechatQRAttachmentID: row.WechatQRAttachmentID,
AlipayQRAttachmentID: row.AlipayQRAttachmentID,
VerifyStatus: verifyStatusName(row.VerifyStatus), IsDefault: row.IsDefault == 1,
CreatedAt: row.CreatedAt, UpdatedAt: row.UpdatedAt}
}
func withdrawalFromStore(row store.WithdrawalOrder) Withdrawal {
risk := row.RiskResult
if len(risk) == 0 {
risk = json.RawMessage(`{}`)
}
return Withdrawal{ID: row.ID, WithdrawalNo: row.WithdrawalNo, PaymentAccountID: row.PaymentAccountID,
ChannelID: row.ChannelID, ChannelName: row.ChannelName, RequestAmount: row.RequestAmount,
FeeAmount: row.FeeAmount, ActualAmount: row.ActualAmount, Currency: row.Currency,
AccountMask: row.AccountMask, BankName: row.BankName, HolderMask: row.HolderMask,
Status: withdrawalStatusName(row.Status), StatusText: withdrawalStatusText(row.Status),
ReasonCode: row.ReviewReasonCode, ReasonText: row.ReviewReason, ExternalNo: row.ExternalNo,
RiskResult: risk, ReviewedAt: row.ReviewedAt, ProcessedAt: row.ProcessedAt,
CompletedAt: row.CompletedAt, CreatedAt: row.CreatedAt, UpdatedAt: row.UpdatedAt,
IdempotentReplay: row.Replayed}
}
func rechargeFromStore(row store.RechargeOrder) Recharge {
vouchers := row.VoucherAttachmentIDs
if len(vouchers) == 0 {
vouchers = json.RawMessage(`[]`)
}
result := Recharge{ID: row.ID, RechargeNo: row.RechargeNo, ChannelID: row.ChannelID,
ChannelName: row.ChannelName, RequestAmount: row.RequestAmount, PayableAmount: row.RequestAmount,
PaidAmount: row.PaidAmount, Currency: row.Currency, VoucherAttachmentIDs: vouchers,
Status: rechargeStatusName(row.Status), StatusText: rechargeStatusText(row.Status),
ReasonCode: row.ReviewReasonCode, ReasonText: row.ReviewReason, Remark: row.Remark,
PaymentInstructions: "沙箱订单,请按页面提示完成后续操作,不要向个人账户转账。",
PaidAt: row.PaidAt, ReviewedAt: row.ReviewedAt, CreditedAt: row.CreditedAt,
CreatedAt: row.CreatedAt, UpdatedAt: row.UpdatedAt}
if row.Status == 1 && row.CreatedAt != "" {
if created, err := time.Parse(time.RFC3339, row.CreatedAt); err == nil {
result.ExpireAt = created.Add(30 * time.Minute).Format(time.RFC3339)
}
}
return result
}
func rechargeStatusCode(value string) (int, bool) {
switch strings.ToLower(strings.TrimSpace(value)) {
case "", "all":
return 0, true
case "pending_payment":
return 1, true
case "reviewing", "processing":
return 2, true
case "succeeded":
return 3, true
case "failed":
return 4, true
case "expired":
return 5, true
case "cancelled":
return 6, true
default:
return 0, false
}
}
func rechargeStatusName(value int) string {
names := map[int]string{1: "pending_payment", 2: "reviewing", 3: "succeeded", 4: "failed", 5: "expired", 6: "cancelled"}
if name := names[value]; name != "" {
return name
}
return "unknown"
}
func rechargeStatusText(value int) string {
names := map[int]string{1: "待支付", 2: "审核中", 3: "已成功", 4: "失败", 5: "已过期", 6: "已取消"}
if name := names[value]; name != "" {
return name
}
return "未知状态"
}
func withdrawalFee(amount int64, channel store.WithdrawalChannel) (int64, error) {
if amount <= 0 || channel.FeeRate < 0 || channel.FeeRate > 10000 || channel.FeeFixedAmount < 0 {
return 0, store.ErrWithdrawalChannel
}
rate := int64(channel.FeeRate)
rateFee := (amount/10000)*rate + ((amount%10000)*rate+9999)/10000
switch channel.FeeType {
case 1:
return channel.FeeFixedAmount, nil
case 2:
return rateFee, nil
case 3:
return channel.FeeFixedAmount + rateFee, nil
default:
return 0, store.ErrWithdrawalChannel
}
}
func channelTypes(accountType int) []int {
specific := map[int]int{1: 3, 2: 4, 3: 3, 4: 2, 5: 1}[accountType]
if specific == 0 || specific == 4 {
return []int{4}
}
return []int{specific, 4}
}
func accountTypeName(value int) string {
names := map[int]string{1: "bank_card", 2: "digital_wallet", 3: "unionpay", 4: "alipay", 5: "wechat"}
if name := names[value]; name != "" {
return name
}
return "unknown"
}
func verifyStatusName(value int) string {
names := map[int]string{1: "pending", 2: "verified", 3: "rejected"}
if name := names[value]; name != "" {
return name
}
return "unknown"
}
func withdrawalStatusCode(value string) (int, bool) {
switch strings.ToLower(strings.TrimSpace(value)) {
case "", "all":
return 0, true
case "pending_review":
return 1, true
case "reviewing":
return 2, true
case "processing":
return 3, true
case "succeeded":
return 4, true
case "failed":
return 5, true
case "rejected":
return 6, true
case "cancelled":
return 7, true
default:
return 0, false
}
}
func withdrawalStatusName(value int) string {
names := map[int]string{1: "pending_review", 2: "reviewing", 3: "processing", 4: "succeeded", 5: "failed", 6: "rejected", 7: "cancelled"}
if name := names[value]; name != "" {
return name
}
return "unknown"
}
func withdrawalStatusText(value int) string {
names := map[int]string{1: "待审核", 2: "审核中", 3: "处理中", 4: "已成功", 5: "失败", 6: "已驳回", 7: "已取消"}
if name := names[value]; name != "" {
return name
}
return "未知状态"
}
func (s *Service) encrypt(value string) (string, error) {
nonce := make([]byte, s.aead.NonceSize())
if _, err := rand.Read(nonce); err != nil {
return "", err
}
sealed := s.aead.Seal(nil, nonce, []byte(value), nil)
return base64.RawStdEncoding.EncodeToString(append(nonce, sealed...)), nil
}
func (s *Service) decrypt(value string) (string, error) {
payload, err := base64.RawStdEncoding.DecodeString(strings.TrimSpace(value))
if err != nil || len(payload) <= s.aead.NonceSize() {
return "", errors.New("encrypted value is invalid")
}
plain, err := s.aead.Open(nil, payload[:s.aead.NonceSize()], payload[s.aead.NonceSize():], nil)
if err != nil {
return "", err
}
return string(plain), nil
}
func (s *Service) lookupHash(value string) string {
mac := hmac.New(sha256.New, s.lookupKey)
_, _ = mac.Write([]byte(value))
return hex.EncodeToString(mac.Sum(nil))
}
func deterministicNumber(prefix string, tenantID, memberID int64, key string) string {
digest := sha256.Sum256([]byte(strconv.FormatInt(tenantID, 10) + ":" + strconv.FormatInt(memberID, 10) + ":" + key + ":" + prefix))
return prefix + strings.ToUpper(hex.EncodeToString(digest[:16]))
}
func randomNumber(prefix string) (string, error) {
random := make([]byte, 12)
if _, err := rand.Read(random); err != nil {
return "", err
}
return prefix + time.Now().UTC().Format("20060102150405") + strings.ToUpper(hex.EncodeToString(random)), nil
}
func greaterInt64(left, right int64) int64 {
if left > right {
return left
}
return right
}
func decodeKey(value string) ([]byte, error) {
value = strings.TrimSpace(value)
if decoded, err := base64.StdEncoding.DecodeString(value); err == nil {
return decoded, nil
}
return base64.RawStdEncoding.DecodeString(value)
}
func maskPhone(value string) string {
if len(value) != 11 {
return ""
}
return value[:3] + "****" + value[7:]
}
func maskName(value string) string {
runes := []rune(value)
if len(runes) == 0 {
return ""
}
if len(runes) == 1 {
return string(runes[0]) + "*"
}
return string(runes[0]) + strings.Repeat("*", len(runes)-1)
}
func maskAccount(value string) string {
runes := []rune(value)
if len(runes) <= 4 {
return strings.Repeat("*", len(runes))
}
if len(runes) <= 6 {
return string(runes[0]) + strings.Repeat("*", len(runes)-2) + string(runes[len(runes)-1])
}
prefix := 4
if len(runes) < 12 {
prefix = 2
}
return string(runes[:prefix]) + strings.Repeat("*", len(runes)-prefix-4) + string(runes[len(runes)-4:])
}
func maskIdentityNo(value string) string {
if len(value) <= 8 {
return strings.Repeat("*", len(value))
}
return value[:4] + strings.Repeat("*", len(value)-8) + value[len(value)-4:]
}
func validHumanName(value string) bool {
count := utf8.RuneCountInString(value)
if count < 2 || count > 64 {
return false
}
for _, r := range value {
if unicode.IsControl(r) || r == '<' || r == '>' {
return false
}
}
return true
}
func allDigits(value string) bool {
for _, r := range value {
if r < '0' || r > '9' {
return false
}
}
return value != ""
}
func findBool(config map[string]any, keys ...string) bool {
for _, key := range keys {
for candidate, value := range config {
if strings.EqualFold(candidate, key) {
switch typed := value.(type) {
case bool:
return typed
case float64:
return typed == 1
case string:
return typed == "1" || strings.EqualFold(typed, "true") || strings.EqualFold(typed, "on")
}
}
}
}
for _, value := range config {
if nested, ok := value.(map[string]any); ok && findBool(nested, keys...) {
return true
}
}
return false
}