'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); } } }