code-bang/backend/application/common/service/AccountWithdrawService.php

<?php

namespace app\common\service;

use app\common\model\account\Withdraws;
use app\common\traits\ServiceTrait;
use think\Db;
use think\Log;

class AccountWithdrawService
{
    use ServiceTrait;

    /** @var Withdraws */
    public static $Model = Withdraws::class;

    //转账类型:0=默认,1=微信,2=支付宝,3=线下转款
    const TYPE_WECHAT = 1;
    const TYPE_ALIPAY = 2;
    const TYPE_OFFLINE = 3;

    const TYPE_MAP = [
        self::TYPE_WECHAT => '微信',
        self::TYPE_ALIPAY => '支付宝',
        self::TYPE_OFFLINE => '线下转款',
    ];

    const STATUS_MAP = [
        CommonService::ONGOING => '审核中',
        CommonService::SUCCESS => '审核通过',
        CommonService::FAILED => '审核驳回',
    ];

    //提现限制(与小程序端展示的「提现规则」保持一致)
    const WITHDRAW_MIN_AMOUNT = 0.1; //单笔最低(元)
    const WITHDRAW_MAX_AMOUNT = 200; //单笔最高(元)
    const WITHDRAW_DAY_MAX_COUNT = 10; //每个自然日最多申请次数
    const WITHDRAW_DAY_MAX_AMOUNT = 2000; //每个自然日累计提现上限(元)
    const WITHDRAW_AMOUNT_SCALE = 2; //金额小数位数


    /**
     * 用户申请提现
     * @param int|string $userId 用户id
     * @param int|float $amount 余额
     * @param string $name 名字
     * @return void
     * @throws \Exception
     */
    public static function applyWithdraw($userId, $amount, string $name = '')
    {
        //单笔金额校验(0.1~200元,最多两位小数)
        $amount = self::checkWithdrawAmount($amount);

        //每个自然日次数限制(已驳回的不计入)
        $todayCount = self::todayQuery($userId)->count();
        if ($todayCount >= self::WITHDRAW_DAY_MAX_COUNT) {
            throw new \Exception('每个自然日最多可发起' . self::WITHDRAW_DAY_MAX_COUNT . '次提现申请，请明日再试');
        }

        //每个自然日累计金额限制(已驳回的不计入)
        $todayAmount = (float)self::todayQuery($userId)->sum('amount');
        if ($todayAmount + $amount > self::WITHDRAW_DAY_MAX_AMOUNT) {
            throw new \Exception('每个自然日累计提现金额不超过' . self::WITHDRAW_DAY_MAX_AMOUNT
                . '元，今日已申请' . sprintf('%.2f', $todayAmount) . '元，请明日再试');
        }

        //开启事务 抛出异常时自动回滚
        Db::transaction(function () use ($userId, $amount, $name) {
            if($name){
                $user = UserService::getOne(['id' => $userId]);
                if ($user->username != $name) {
                    $user->username = $name;
                    $user->save();
                }
            }
            //添加提现记录
            $data = [
                'apply_sn' => generate_order_sn('TX'),
                'user_id' => $userId,
                'amount' => $amount,
                'status' => AccountWithdrawService::$Common::ONGOING,
            ];
            $recordRes = self::create($data);
            if (!($recordRes)) {
                throw new \Exception('提现申请失败');
            }
            //记录提现日志
            $title = '用户发起提现';
            $log_res = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_AMOUNT, $userId, $amount, $title . '-余额扣除', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_EXPEND, $recordRes->id);
            $log_res2 = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_FREEZE, $userId, $amount, $title . '-冻结金额增加', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_INCREASE, $recordRes->id);
            //减去余额，加到冻结里面
            AccountService::updateData($userId, -$amount, $amount, 0,0, $log_res->id);
        });
    }

    /**
     * 单笔提现金额校验
     * @param int|float|string $amount
     * @return float 校验通过返回规范化后的金额(保留2位小数)
     * @throws \Exception
     */
    public static function checkWithdrawAmount($amount): float
    {
        if (!is_numeric($amount)) {
            throw new \Exception('提现金额必须为数字');
        }
        $amount = floatval($amount);
        if ($amount < self::WITHDRAW_MIN_AMOUNT || $amount > self::WITHDRAW_MAX_AMOUNT) {
            throw new \Exception('单笔提现金额需在' . self::WITHDRAW_MIN_AMOUNT . '~'
                . self::WITHDRAW_MAX_AMOUNT . '元之间');
        }
        if (round($amount, self::WITHDRAW_AMOUNT_SCALE) != $amount) {
            throw new \Exception('提现金额最多保留' . self::WITHDRAW_AMOUNT_SCALE . '位小数');
        }

        return round($amount, self::WITHDRAW_AMOUNT_SCALE);
    }

    /**
     * 当日提现查询对象(已驳回的不计入次数与累计金额)
     * @param int $userId
     * @return \think\db\Query
     */
    private static function todayQuery($userId)
    {
        return self::$Model::where('user_id', $userId)
            ->whereTime('createtime', 'today')
            ->where('status', '<>', CommonService::FAILED);
    }

    /**
     * 审核提现
     * @param $withdraw_record_id int 提现申请id
     * @param $approval bool 是否同意
     * @param $remark string 驳回意见
     * @param $type int 转款方式
     * @throws \Exception
     */
    public static function approvalWithdraw($withdraw_record_id, $approval = false, $remark = '', $type = 0)
    {
        $withdraw_record = AccountWithdrawService::get($withdraw_record_id);
        if (!$withdraw_record) {
            throw new \Exception('提现申请不存在');
        }
        if ($withdraw_record->status == AccountWithdrawService::$Common::SUCCESS) {
            throw new \Exception('已经提现成功，请勿重复操作');
        }
        $userId = $withdraw_record->user_id;
        $amount = $withdraw_record->amount;
        $user = UserService::get($userId);

        //检测收支是否相同
//        if(!AccountService::checkBreakEven($userId, $user->is_merchant)){
//            throw new \Exception('该用户余额收支异常');
//        }
        //提现通过
        if ($approval) {
            //记录提现日志
            $title = '用户提现成功(' . self::TYPE_MAP[$type] .')';
            $log_res = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_FREEZE, $userId, $amount, $title . '-冻结金额扣除', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_EXPEND, $withdraw_record->id);
            //减去冻结
            AccountService::updateData($userId, 0, -$amount, 0,0, $log_res->id);

            if($type == AccountWithdrawService::TYPE_WECHAT){
                //免确认收款授权校验：未授权无法以授权单发起转账
                $auth = TransferAuthorizationService::getByUserId($userId);
                if (!TransferAuthorizationService::isAuthorized($userId)) {
                    throw new \Exception('该用户未完成免确认收款授权，无法发起转账，请通知用户在小程序余额页完成授权后重新审核');
                }
                //发起微信商家转账到用户零钱(v3授权转账：以授权单定位收款人，免用户确认收款)
                $payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->username, $amount, $auth->out_authorization_no);
                //以 transfer_bill_no(微信转账单号) 判断单据是否创建成功
                if (empty($payRes['transfer_bill_no'])) {
                    throw new \Exception($payRes['message'] ?? '商家转账发起失败');
                }
                //授权转账免用户确认，状态记为微信返回的 state，最终以回调/查单为准
                $withdraw_record->result_status = $payRes['state'] ?? '';
                $withdraw_record->save();
            }
        } else {
            if (!$remark) {
                throw new \Exception('驳回原因必填');
            }
            if ($withdraw_record->status == AccountWithdrawService::$Common::FAILED) {
                throw new \Exception('已经审核驳回，请勿重复操作');
            }
            //记录提现日志
            $title = '提现失败(' . $remark .')';
            $log_res = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_FREEZE, $userId, $amount, $title . '-冻结金额扣除', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_EXPEND, $withdraw_record->id);
            $log_res2 = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_AMOUNT, $userId, $amount, $title . '-余额增加', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_INCREASE, $withdraw_record->id);
            //减去冻结，返回到余额
            AccountService::updateData($userId, $amount, -$amount, 0,0, $log_res->id);
        }
    }
}