196 lines
8.7 KiB
PHP
196 lines
8.7 KiB
PHP
<?php
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namespace app\common\service;
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use app\common\model\account\Withdraws;
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use app\common\traits\ServiceTrait;
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use think\Db;
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use think\Log;
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class AccountWithdrawService
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{
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use ServiceTrait;
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/** @var Withdraws */
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public static $Model = Withdraws::class;
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//转账类型:0=默认,1=微信,2=支付宝,3=线下转款
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const TYPE_WECHAT = 1;
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const TYPE_ALIPAY = 2;
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const TYPE_OFFLINE = 3;
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const TYPE_MAP = [
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self::TYPE_WECHAT => '微信',
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self::TYPE_ALIPAY => '支付宝',
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self::TYPE_OFFLINE => '线下转款',
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];
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const STATUS_MAP = [
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CommonService::ONGOING => '审核中',
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CommonService::SUCCESS => '审核通过',
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CommonService::FAILED => '审核驳回',
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];
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//提现限制(与小程序端展示的「提现规则」保持一致)
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const WITHDRAW_MIN_AMOUNT = 0.1; //单笔最低(元)
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const WITHDRAW_MAX_AMOUNT = 200; //单笔最高(元)
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const WITHDRAW_DAY_MAX_COUNT = 10; //每个自然日最多申请次数
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const WITHDRAW_DAY_MAX_AMOUNT = 2000; //每个自然日累计提现上限(元)
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const WITHDRAW_AMOUNT_SCALE = 2; //金额小数位数
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/**
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* 用户申请提现
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* @param int|string $userId 用户id
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* @param int|float $amount 余额
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* @param string $name 名字
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* @return void
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* @throws \Exception
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*/
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public static function applyWithdraw($userId, $amount, string $name = '')
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{
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//单笔金额校验(0.1~200元,最多两位小数)
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$amount = self::checkWithdrawAmount($amount);
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//每个自然日次数限制(已驳回的不计入)
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$todayCount = self::todayQuery($userId)->count();
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if ($todayCount >= self::WITHDRAW_DAY_MAX_COUNT) {
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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');
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}
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//每个自然日累计金额限制(已驳回的不计入)
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$todayAmount = (float)self::todayQuery($userId)->sum('amount');
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if ($todayAmount + $amount > self::WITHDRAW_DAY_MAX_AMOUNT) {
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throw new \Exception('每个自然日累计提现金额不超过' . self::WITHDRAW_DAY_MAX_AMOUNT
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. '元，今日已申请' . sprintf('%.2f', $todayAmount) . '元，请明日再试');
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}
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//开启事务 抛出异常时自动回滚
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Db::transaction(function () use ($userId, $amount, $name) {
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if($name){
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$user = UserService::getOne(['id' => $userId]);
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if ($user->username != $name) {
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$user->username = $name;
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$user->save();
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}
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}
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//添加提现记录
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$data = [
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'apply_sn' => generate_order_sn('TX'),
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'user_id' => $userId,
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'amount' => $amount,
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'status' => AccountWithdrawService::$Common::ONGOING,
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];
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$recordRes = self::create($data);
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if (!($recordRes)) {
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throw new \Exception('提现申请失败');
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}
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//记录提现日志
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$title = '用户发起提现';
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$log_res = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_AMOUNT, $userId, $amount, $title . '-余额扣除', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_EXPEND, $recordRes->id);
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$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, $recordRes->id);
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//减去余额，加到冻结里面
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AccountService::updateData($userId, -$amount, $amount, 0,0, $log_res->id);
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});
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}
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/**
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* 单笔提现金额校验
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* @param int|float|string $amount
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* @return float 校验通过返回规范化后的金额(保留2位小数)
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* @throws \Exception
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*/
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public static function checkWithdrawAmount($amount): float
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{
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if (!is_numeric($amount)) {
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throw new \Exception('提现金额必须为数字');
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}
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$amount = floatval($amount);
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if ($amount < self::WITHDRAW_MIN_AMOUNT || $amount > self::WITHDRAW_MAX_AMOUNT) {
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throw new \Exception('单笔提现金额需在' . self::WITHDRAW_MIN_AMOUNT . '~'
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. self::WITHDRAW_MAX_AMOUNT . '元之间');
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}
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if (round($amount, self::WITHDRAW_AMOUNT_SCALE) != $amount) {
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throw new \Exception('提现金额最多保留' . self::WITHDRAW_AMOUNT_SCALE . '位小数');
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}
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return round($amount, self::WITHDRAW_AMOUNT_SCALE);
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}
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/**
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* 当日提现查询对象(已驳回的不计入次数与累计金额)
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* @param int $userId
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* @return \think\db\Query
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*/
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private static function todayQuery($userId)
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{
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return self::$Model::where('user_id', $userId)
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->whereTime('createtime', 'today')
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->where('status', '<>', CommonService::FAILED);
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}
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/**
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* 审核提现
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* @param $withdraw_record_id int 提现申请id
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* @param $approval bool 是否同意
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* @param $remark string 驳回意见
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* @param $type int 转款方式
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* @throws \Exception
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*/
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public static function approvalWithdraw($withdraw_record_id, $approval = false, $remark = '', $type = 0)
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{
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$withdraw_record = AccountWithdrawService::get($withdraw_record_id);
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if (!$withdraw_record) {
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throw new \Exception('提现申请不存在');
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}
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if ($withdraw_record->status == AccountWithdrawService::$Common::SUCCESS) {
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throw new \Exception('已经提现成功，请勿重复操作');
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}
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$userId = $withdraw_record->user_id;
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$amount = $withdraw_record->amount;
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$user = UserService::get($userId);
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//检测收支是否相同
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// if(!AccountService::checkBreakEven($userId, $user->is_merchant)){
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// throw new \Exception('该用户余额收支异常');
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// }
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//提现通过
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if ($approval) {
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//记录提现日志
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$title = '用户提现成功(' . self::TYPE_MAP[$type] .')';
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$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, $withdraw_record->id);
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//减去冻结
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AccountService::updateData($userId, 0, -$amount, 0,0, $log_res->id);
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if($type == AccountWithdrawService::TYPE_WECHAT){
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//免确认收款授权校验：未授权无法以授权单发起转账
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$auth = TransferAuthorizationService::getByUserId($userId);
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if (!TransferAuthorizationService::isAuthorized($userId)) {
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throw new \Exception('该用户未完成免确认收款授权，无法发起转账，请通知用户在小程序余额页完成授权后重新审核');
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}
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//发起微信商家转账到用户零钱(v3授权转账：以授权单定位收款人，免用户确认收款)
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$payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->username, $amount, $auth->out_authorization_no);
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//以 transfer_bill_no(微信转账单号) 判断单据是否创建成功
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if (empty($payRes['transfer_bill_no'])) {
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throw new \Exception($payRes['message'] ?? '商家转账发起失败');
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}
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//授权转账免用户确认，状态记为微信返回的 state，最终以回调/查单为准
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$withdraw_record->result_status = $payRes['state'] ?? '';
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$withdraw_record->save();
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}
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} else {
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if (!$remark) {
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throw new \Exception('驳回原因必填');
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}
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if ($withdraw_record->status == AccountWithdrawService::$Common::FAILED) {
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throw new \Exception('已经审核驳回，请勿重复操作');
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}
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//记录提现日志
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$title = '提现失败(' . $remark .')';
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$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, $withdraw_record->id);
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$log_res2 = AccountLogService::addLog(AccountLogService::ACCOUNT_TYPE_AMOUNT, $userId, $amount, $title . '-余额增加', AccountLogService::TYPE_WITHDRAW, 0, AccountLogService::INC_EXP_INCREASE, $withdraw_record->id);
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//减去冻结，返回到余额
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AccountService::updateData($userId, $amount, -$amount, 0,0, $log_res->id);
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}
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}
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} |