<?php

namespace app\common\library;

use think\Db;

/**
 * 财务结算与提现规则配置中心服务
 *
 * 职责：
 * 1. 统一管理独立配置中心表 fa_finance_config（订单默认抽佣兜底 + 提现风控 + 微信小程序商家转账 1005 规范参数）
 * 2. 提供提现手续费灵活计算（按比例 / 按笔固定 / 免费 + 单笔保底与封顶）
 * 3. 执行符合微信支付 APIv3 新版「商家转账（用户确认模式）」与微信小程序规范的提现前置校验与配置下发
 */
class FinanceConfigService
{
    /** 微信新版商家转账官方单笔最低到账净额（0.10元 = 10分） */
    const WX_TRANSFER_MIN_ARRIVE = 0.10;

    /** 微信新版商家转账官方单笔硬上限（20000.00元） */
    const WX_TRANSFER_HARD_MAX = 20000.00;

    /** 微信新版商家转账强制加密校验真实姓名阈值（2000.00元） */
    const WX_TRANSFER_REALNAME_THRESHOLD = 2000.00;

    /** @var array|null 请求内静态缓存 */
    protected static $cache = null;

    /**
     * 默认配置字典（当数据库尚未初始化某项时的安全兜底）
     */
    public static function defaults(): array
    {
        return [
            // 订单抽佣全局兜底
            'default_calc_mode'          => 'percent',
            'default_commission_rate'    => '10.00',
            'default_fixed_fee'          => '0.00',
            'default_min_commission'     => '0.00',
            'default_max_commission'     => '0.00',
            'include_diff_in_commission' => '1',

            // 提现与微信小程序商家转账配置
            'withdraw_enabled'           => '1',
            'withdraw_close_tip'         => '系统正在进行财务结算维护，请稍后再发起提现',
            'withdraw_channels'          => 'wechat',
            'withdraw_require_realname'  => '1',
            'withdraw_min_amount'        => '10.00',
            'withdraw_max_amount'        => '200.00',
            'withdraw_daily_amount'      => '2000.00',
            'withdraw_daily_count'       => '3',
            'withdraw_allow_weekdays'    => '1,2,3,4,5,6,7',
            'withdraw_time_start'        => '00:00',
            'withdraw_time_end'          => '23:59',
            'withdraw_fee_mode'          => 'percent',
            'withdraw_fee_rate'          => '0.60',
            'withdraw_fee_fixed'         => '0.00',
            'withdraw_fee_min'           => '0.00',
            'withdraw_fee_max'           => '0.00',
            'withdraw_transfer_mode'     => 'wx_mch_transfer',
            'withdraw_audit_mode'        => 'manual',
            'withdraw_auto_max_amount'   => '50.00',
            'wx_transfer_scene_id'       => '1005',
            'wx_recv_perception'        => '劳务报酬',
            'wx_job_type'                => '上门安装维修师傅',
            'wx_reward_desc'             => '平台工单安装维修劳务报酬',
            'wx_transfer_remark'         => '工单安装维修服务劳务报酬',
        ];
    }

    /**
     * 清空请求内静态缓存
     */
    public static function clearCache(): void
    {
        self::$cache = null;
    }

    /**
     * 获取全部原始配置键值数组
     */
    public static function getAll(bool $forceRefresh = false): array
    {
        if (self::$cache === null || $forceRefresh) {
            $base = self::defaults();
            try {
                $dbMap = Db::name('finance_config')->column('value', 'name');
                if (is_array($dbMap) && !empty($dbMap)) {
                    foreach ($dbMap as $k => $v) {
                        if ($v !== null) {
                            $base[$k] = (string)$v;
                        }
                    }
                }
            } catch (\Throwable $e) {
                // 表未就绪时平滑回退默认字典
            }
            self::$cache = $base;
        }
        return self::$cache;
    }

    /**
     * 获取订单默认兜底抽佣配置
     */
    public static function getCommissionDefaults(): array
    {
        $all = self::getAll();
        $mode = in_array($all['default_calc_mode'], ['percent', 'fixed', 'mixed'], true)
            ? $all['default_calc_mode']
            : 'percent';

        return [
            'calc_mode'                  => $mode,
            'commission_rate'            => round(min(100.00, max(0.00, (float)$all['default_commission_rate'])), 2),
            'fixed_fee'                  => round(max(0.00, (float)$all['default_fixed_fee']), 2),
            'min_commission'             => round(max(0.00, (float)$all['default_min_commission']), 2),
            'max_commission'             => round(max(0.00, (float)$all['default_max_commission']), 2),
            'include_diff_in_commission' => (int)$all['include_diff_in_commission'] === 1 ? 1 : 0,
        ];
    }

    /**
     * 获取结构化的提现与微信小程序转账配置
     */
    public static function getWithdrawConfig(): array
    {
        $all = self::getAll();
        $rawChannels = array_filter(array_map('trim', explode(',', (string)$all['withdraw_channels'])));
        $channels = [];
        foreach ($rawChannels as $ch) {
            if (in_array($ch, ['wechat', 'bank'], true) && !in_array($ch, $channels, true)) {
                $channels[] = $ch;
            }
        }
        if (empty($channels)) {
            $channels = ['wechat'];
        }

        $rawDays = array_filter(array_map('intval', explode(',', (string)$all['withdraw_allow_weekdays'])));
        $weekdays = [];
        foreach ($rawDays as $d) {
            if ($d >= 1 && $d <= 7 && !in_array($d, $weekdays, true)) {
                $weekdays[] = $d;
            }
        }
        sort($weekdays);
        if (empty($weekdays)) {
            $weekdays = [1, 2, 3, 4, 5, 6, 7];
        }

        $minAmt = round(max(0.10, (float)$all['withdraw_min_amount']), 2);
        $maxAmt = round(min(self::WX_TRANSFER_HARD_MAX, max($minAmt, (float)$all['withdraw_max_amount'])), 2);
        $dailyAmt = round(max(0.00, (float)$all['withdraw_daily_amount']), 2);
        if ($dailyAmt > 0 && $dailyAmt < $minAmt) {
            $dailyAmt = $maxAmt;
        }

        $feeMode = in_array($all['withdraw_fee_mode'], ['percent', 'fixed', 'free'], true)
            ? $all['withdraw_fee_mode']
            : 'percent';

        $transferMode = in_array($all['withdraw_transfer_mode'], ['wx_mch_transfer', 'offline_manual'], true)
            ? $all['withdraw_transfer_mode']
            : 'wx_mch_transfer';

        $auditMode = in_array($all['withdraw_audit_mode'], ['manual', 'auto_small'], true)
            ? $all['withdraw_audit_mode']
            : 'manual';

        return [
            'enabled'          => (int)$all['withdraw_enabled'] === 1 ? 1 : 0,
            'close_tip'        => trim((string)$all['withdraw_close_tip']) ?: '当前暂未开放提现，请稍后再试',
            'channels'         => $channels,
            'require_realname' => (int)$all['withdraw_require_realname'] === 1 ? 1 : 0,
            'min_amount'       => $minAmt,
            'max_amount'       => $maxAmt,
            'daily_amount'     => $dailyAmt,
            'daily_count'      => max(0, (int)$all['withdraw_daily_count']),
            'allow_weekdays'   => $weekdays,
            'time_start'       => preg_match('/^\d{2}:\d{2}$/', (string)$all['withdraw_time_start']) ? $all['withdraw_time_start'] : '00:00',
            'time_end'         => preg_match('/^\d{2}:\d{2}$/', (string)$all['withdraw_time_end']) ? $all['withdraw_time_end'] : '23:59',
            'fee_mode'         => $feeMode,
            'fee_rate'         => round(min(50.00, max(0.00, (float)$all['withdraw_fee_rate'])), 2),
            'fee_fixed'        => round(max(0.00, (float)$all['withdraw_fee_fixed']), 2),
            'fee_min'          => round(max(0.00, (float)$all['withdraw_fee_min']), 2),
            'fee_max'          => round(max(0.00, (float)$all['withdraw_fee_max']), 2),
            'transfer_mode'    => $transferMode,
            'audit_mode'       => $auditMode,
            'auto_max_amount'  => round(max(0.00, (float)$all['withdraw_auto_max_amount']), 2),
            'wx_scene_id'      => trim((string)$all['wx_transfer_scene_id']) ?: '1005',
            'wx_perception'    => mb_substr(trim((string)$all['wx_recv_perception']) ?: '劳务报酬', 0, 32),
            'wx_job_type'      => mb_substr(trim((string)$all['wx_job_type']) ?: '上门安装维修师傅', 0, 32),
            'wx_reward_desc'   => mb_substr(trim((string)$all['wx_reward_desc']) ?: '平台工单安装维修劳务报酬', 0, 32),
            'wx_remark'        => mb_substr(trim((string)$all['wx_transfer_remark']) ?: '工单安装维修服务劳务报酬', 0, 32),
        ];
    }

    /**
     * 计算单笔提现的手续费与实际到账净额
     */
    public static function calcWithdrawFee(float $amount, ?array $cfg = null): array
    {
        $cfg = $cfg ?: self::getWithdrawConfig();
        $amt = max(0.00, round($amount, 2));
        $fee = 0.00;

        if ($amt > 0) {
            if ($cfg['fee_mode'] === 'percent') {
                $fee = round($amt * ((float)$cfg['fee_rate']) / 100, 2);
                if ($cfg['fee_min'] > 0 && $fee < $cfg['fee_min']) {
                    $fee = $cfg['fee_min'];
                }
                if ($cfg['fee_max'] > 0 && $fee > $cfg['fee_max']) {
                    $fee = $cfg['fee_max'];
                }
            } elseif ($cfg['fee_mode'] === 'fixed') {
                $fee = round((float)$cfg['fee_fixed'], 2);
            } else {
                $fee = 0.00;
            }
        }

        if ($fee >= $amt && $amt > 0) {
            $fee = max(0.00, round($amt - self::WX_TRANSFER_MIN_ARRIVE, 2));
        }

        $arrive = round(max(0.00, $amt - $fee), 2);
        return [
            'amount'        => $amt,
            'fee'           => $fee,
            'arrive_amount' => $arrive,
            'fee_mode'      => $cfg['fee_mode'],
            'fee_rate'      => $cfg['fee_rate'],
            'fee_fixed'     => $cfg['fee_fixed'],
        ];
    }

    /**
     * 统计师傅今日已申请提现次数与金额（排除已驳回单）
     */
    public static function getMasterTodayWithdrawStats(int $masterId): array
    {
        $todayStart = strtotime(date('Y-m-d 00:00:00'));
        $rows = Db::name('withdraw')
            ->field('amount')
            ->where('master_id', $masterId)
            ->where('status', '<>', 'reject')
            ->where('createtime', '>=', $todayStart)
            ->select();

        $cnt = count($rows);
        $sum = 0.00;
        foreach ($rows as $r) {
            $sum += (float)$r['amount'];
        }
        return [
            'today_count'  => $cnt,
            'today_amount' => round($sum, 2),
        ];
    }

    /**
     * 生成下发给小程序「我的钱包」页面的动态提现配置与规则说明
     */
    public static function buildMasterWithdrawClientPayload(array $master): array
    {
        $cfg = self::getWithdrawConfig();
        $stats = self::getMasterTodayWithdrawStats((int)$master['id']);

        $remainDailyAmount = $cfg['daily_amount'] > 0
            ? round(max(0.00, $cfg['daily_amount'] - $stats['today_amount']), 2)
            : -1;
        $remainDailyCount = $cfg['daily_count'] > 0
            ? max(0, $cfg['daily_count'] - $stats['today_count'])
            : -1;

        if ($cfg['fee_mode'] === 'free' || ($cfg['fee_mode'] === 'percent' && $cfg['fee_rate'] <= 0) || ($cfg['fee_mode'] === 'fixed' && $cfg['fee_fixed'] <= 0)) {
            $feeText = '免通道手续费';
        } elseif ($cfg['fee_mode'] === 'fixed') {
            $feeText = '手续费 ¥' . number_format($cfg['fee_fixed'], 2, '.', '') . '/笔';
        } else {
            $feeText = '通道费率 ' . rtrim(rtrim(number_format($cfg['fee_rate'], 2, '.', ''), '0'), '.') . '%';
            if ($cfg['fee_min'] > 0 || $cfg['fee_max'] > 0) {
                $parts = [];
                if ($cfg['fee_min'] > 0) {
                    $parts[] = '最低¥' . number_format($cfg['fee_min'], 2, '.', '');
                }
                if ($cfg['fee_max'] > 0) {
                    $parts[] = '封顶¥' . number_format($cfg['fee_max'], 2, '.', '');
                }
                $feeText .= '（' . implode('，', $parts) . '）';
            }
        }

        $minTxt = rtrim(rtrim(number_format($cfg['min_amount'], 2, '.', ''), '0'), '.');
        $maxTxt = rtrim(rtrim(number_format($cfg['max_amount'], 2, '.', ''), '0'), '.');
        $ruleTip = "完工核销后工费即刻入账；单笔 ¥{$minTxt}~¥{$maxTxt} 可提现，{$feeText}。";
        if (!$cfg['enabled']) {
            $ruleTip = $cfg['close_tip'];
        }

        $arrivalDesc = $cfg['transfer_mode'] === 'wx_mch_transfer'
            ? ($cfg['audit_mode'] === 'auto_small' ? '微信零钱（小额免审，确认收款即到账）' : '微信零钱（审核后小程序确认收款即到账）')
            : '微信零钱 / 人工财务打款';

        return [
            'enabled'             => (bool)$cfg['enabled'],
            'close_tip'           => $cfg['close_tip'],
            'channels'            => $cfg['channels'],
            'require_realname'    => (bool)$cfg['require_realname'],
            'min_amount'          => $cfg['min_amount'],
            'max_amount'          => $cfg['max_amount'],
            'daily_amount'        => $cfg['daily_amount'],
            'daily_count'         => $cfg['daily_count'],
            'today_amount'        => $stats['today_amount'],
            'today_count'         => $stats['today_count'],
            'remain_daily_amount' => $remainDailyAmount,
            'remain_daily_count'  => $remainDailyCount,
            'allow_weekdays'      => $cfg['allow_weekdays'],
            'time_start'          => $cfg['time_start'],
            'time_end'            => $cfg['time_end'],
            'fee_mode'            => $cfg['fee_mode'],
            'fee_rate'            => $cfg['fee_rate'],
            'fee_fixed'           => $cfg['fee_fixed'],
            'fee_min'             => $cfg['fee_min'],
            'fee_max'             => $cfg['fee_max'],
            'fee_text'            => $feeText,
            'transfer_mode'       => $cfg['transfer_mode'],
            'audit_mode'          => $cfg['audit_mode'],
            'auto_max_amount'     => $cfg['auto_max_amount'],
            'arrival_desc'        => $arrivalDesc,
            'rule_tip'            => $ruleTip,
        ];
    }

    /**
     * 校验师傅发起的提现请求（全量业务规则 + 微信小程序商家转账硬规范）
     *
     * @param array  $master  fa_master 行记录
     * @param float  $amount  申请提现金额
     * @param string $channel 申请提现渠道 wechat | bank
     * @param string $account 银行卡等收款账号信息
     * @return array ['fee' => float, 'arrive_amount' => float, 'cfg' => array, 'rule_snapshot' => string]
     * @throws \InvalidArgumentException
     */
    public static function validateWithdrawRequest(array $master, float $amount, string $channel, string $account = ''): array
    {
        $cfg = self::getWithdrawConfig();

        if (!$cfg['enabled']) {
            throw new \InvalidArgumentException($cfg['close_tip']);
        }

        if (!in_array($channel, $cfg['channels'], true)) {
            $chLabel = $channel === 'bank' ? '银行储蓄卡' : '微信零钱';
            throw new \InvalidArgumentException("当前暂未开放【{$chLabel}】提现渠道");
        }

        if ($channel === 'bank' && trim($account) === '') {
            throw new \InvalidArgumentException('请填写收款银行卡号与开户行信息');
        }

        // 校验允许提现星期与每日时段
        $curWeekday = (int)date('N'); // 1(周一) ~ 7(周日)
        if (!in_array($curWeekday, $cfg['allow_weekdays'], true)) {
            $dayNames = [1 => '周一', 2 => '周二', 3 => '周三', 4 => '周四', 5 => '周五', 6 => '周六', 7 => '周日'];
            $allowLabels = array_map(function ($d) use ($dayNames) {
                return $dayNames[$d] ?? '';
            }, $cfg['allow_weekdays']);
            throw new \InvalidArgumentException('当前不在提现开放日（开放时间：' . implode('、', array_filter($allowLabels)) . '）');
        }

        $nowHm = date('H:i');
        if ($nowHm < $cfg['time_start'] || $nowHm > $cfg['time_end']) {
            throw new \InvalidArgumentException("当前不在每日提现开放时段（{$cfg['time_start']} ~ {$cfg['time_end']}）");
        }

        // 实名认证合规校验（后台开启强制实名，或微信单笔 >= 2000 元微信官方强制实名）
        $isRealnameVerified = (($master['verify_status'] ?? '') === 'pass') && trim((string)($master['realname'] ?? '')) !== '';
        if ($cfg['require_realname'] && !$isRealnameVerified) {
            throw new \InvalidArgumentException('根据资金合规要求，请先完成师傅实名认证审核通过后再申请提现');
        }

        $amt = round($amount, 2);
        if ($amt <= 0) {
            throw new \InvalidArgumentException('请输入有效的提现金额');
        }
        if ($amt < $cfg['min_amount']) {
            throw new \InvalidArgumentException('单笔提现金额不能低于 ¥' . number_format($cfg['min_amount'], 2, '.', ''));
        }
        if ($amt > $cfg['max_amount']) {
            throw new \InvalidArgumentException('单笔提现金额不能超过 ¥' . number_format($cfg['max_amount'], 2, '.', ''));
        }
        if ($channel === 'wechat' && $amt > self::WX_TRANSFER_HARD_MAX) {
            throw new \InvalidArgumentException('微信零钱单笔提现不能超过官方上限 ¥20,000.00');
        }

        $feeCalc = self::calcWithdrawFee($amt, $cfg);
        $arrive = $feeCalc['arrive_amount'];

        if ($channel === 'wechat') {
            if ($arrive < self::WX_TRANSFER_MIN_ARRIVE) {
                throw new \InvalidArgumentException('扣除手续费后实际到账金额不能低于 ¥0.10（微信转账最低限额）');
            }
            if ($arrive >= self::WX_TRANSFER_REALNAME_THRESHOLD && !$isRealnameVerified) {
                throw new \InvalidArgumentException('微信官方规定单笔转账满 ¥2,000.00 必须校验真实姓名，请先完成实名认证');
            }
        }

        // 单日次数与累计额度校验
        $stats = self::getMasterTodayWithdrawStats((int)$master['id']);
        if ($cfg['daily_count'] > 0 && $stats['today_count'] >= $cfg['daily_count']) {
            throw new \InvalidArgumentException("今日提现次数已达上限（每日最多 {$cfg['daily_count']} 次），请明日再试");
        }
        if ($cfg['daily_amount'] > 0 && round($stats['today_amount'] + $amt, 2) > $cfg['daily_amount']) {
            $remain = max(0.00, round($cfg['daily_amount'] - $stats['today_amount'], 2));
            throw new \InvalidArgumentException('超出单日累计提现上限（今日剩余可提额度 ¥' . number_format($remain, 2, '.', '') . '）');
        }

        $snapshot = [
            'fee_mode'      => $cfg['fee_mode'],
            'fee_rate'      => $cfg['fee_rate'],
            'fee_fixed'     => $cfg['fee_fixed'],
            'fee_min'       => $cfg['fee_min'],
            'fee_max'       => $cfg['fee_max'],
            'fee'           => $feeCalc['fee'],
            'arrive_amount' => $arrive,
            'transfer_mode' => $cfg['transfer_mode'],
            'audit_mode'    => $cfg['audit_mode'],
            'snapshot_time' => time(),
        ];

        return [
            'fee'           => $feeCalc['fee'],
            'arrive_amount' => $arrive,
            'cfg'           => $cfg,
            'rule_snapshot' => json_encode($snapshot, JSON_UNESCAPED_UNICODE),
        ];
    }

    /**
     * 后台配置中心保存并严格校验全量配置项
     *
     * @param array $input
     * @return void
     * @throws \InvalidArgumentException
     */
    public static function saveConfigs(array $input): void
    {
        $defaults = self::defaults();
        $clean = [];

        // 1. 校验订单默认抽佣兜底配置
        if (isset($input['default_calc_mode'])) {
            if (!in_array($input['default_calc_mode'], ['percent', 'fixed', 'mixed'], true)) {
                throw new \InvalidArgumentException('请选择有效的默认抽佣计费方式');
            }
            $clean['default_calc_mode'] = $input['default_calc_mode'];
        }
        if (isset($input['default_commission_rate'])) {
            if (!is_numeric($input['default_commission_rate']) || (float)$input['default_commission_rate'] < 0 || (float)$input['default_commission_rate'] > 100) {
                throw new \InvalidArgumentException('默认抽佣比例必须在 0% ~ 100% 之间');
            }
            $clean['default_commission_rate'] = number_format(round((float)$input['default_commission_rate'], 2), 2, '.', '');
        }
        foreach (['default_fixed_fee' => '默认单笔固定抽佣', 'default_min_commission' => '默认单笔保底抽佣', 'default_max_commission' => '默认单笔封顶抽佣'] as $k => $label) {
            if (isset($input[$k])) {
                if (!is_numeric($input[$k]) || (float)$input[$k] < 0) {
                    throw new \InvalidArgumentException($label . '不能为负数');
                }
                $clean[$k] = number_format(round((float)$input[$k], 2), 2, '.', '');
            }
        }
        if (isset($clean['default_min_commission'], $clean['default_max_commission'])) {
            $minC = (float)$clean['default_min_commission'];
            $maxC = (float)$clean['default_max_commission'];
            if ($minC > 0 && $maxC > 0 && $minC > $maxC) {
                throw new \InvalidArgumentException('默认单笔保底抽佣不能大于单笔封顶抽佣');
            }
        }
        if (isset($input['include_diff_in_commission'])) {
            $clean['include_diff_in_commission'] = (int)$input['include_diff_in_commission'] === 1 ? '1' : '0';
        }

        // 2. 校验提现与微信小程序商家转账配置
        if (isset($input['withdraw_enabled'])) {
            $clean['withdraw_enabled'] = (int)$input['withdraw_enabled'] === 1 ? '1' : '0';
        }
        if (isset($input['withdraw_close_tip'])) {
            $clean['withdraw_close_tip'] = mb_substr(trim((string)$input['withdraw_close_tip']), 0, 200);
        }
        if (isset($input['withdraw_channels'])) {
            $chArr = is_array($input['withdraw_channels']) ? $input['withdraw_channels'] : explode(',', (string)$input['withdraw_channels']);
            $validCh = [];
            foreach ($chArr as $c) {
                $c = trim((string)$c);
                if (in_array($c, ['wechat', 'bank'], true) && !in_array($c, $validCh, true)) {
                    $validCh[] = $c;
                }
            }
            if (empty($validCh)) {
                throw new \InvalidArgumentException('请至少勾选一种开放提现渠道');
            }
            $clean['withdraw_channels'] = implode(',', $validCh);
        }
        if (isset($input['withdraw_require_realname'])) {
            $clean['withdraw_require_realname'] = (int)$input['withdraw_require_realname'] === 1 ? '1' : '0';
        }

        if (isset($input['withdraw_min_amount'])) {
            if (!is_numeric($input['withdraw_min_amount']) || (float)$input['withdraw_min_amount'] < 0.10) {
                throw new \InvalidArgumentException('符合微信小程序商家转账规范，单笔最低提现金额不得低于 ¥0.10');
            }
            $clean['withdraw_min_amount'] = number_format(round((float)$input['withdraw_min_amount'], 2), 2, '.', '');
        }
        if (isset($input['withdraw_max_amount'])) {
            if (!is_numeric($input['withdraw_max_amount']) || (float)$input['withdraw_max_amount'] > self::WX_TRANSFER_HARD_MAX) {
                throw new \InvalidArgumentException('微信商家转账官方规定单笔最高金额不得超过 ¥20,000.00');
            }
            $clean['withdraw_max_amount'] = number_format(round((float)$input['withdraw_max_amount'], 2), 2, '.', '');
        }
        if (isset($clean['withdraw_min_amount'], $clean['withdraw_max_amount']) && (float)$clean['withdraw_min_amount'] > (float)$clean['withdraw_max_amount']) {
            throw new \InvalidArgumentException('单笔最低提现金额不能大于单笔最高提现金额');
        }

        if (isset($input['withdraw_daily_amount'])) {
            if (!is_numeric($input['withdraw_daily_amount']) || (float)$input['withdraw_daily_amount'] < 0) {
                throw new \InvalidArgumentException('单人单日累计提现上限不能为负数');
            }
            $clean['withdraw_daily_amount'] = number_format(round((float)$input['withdraw_daily_amount'], 2), 2, '.', '');
            if ((float)$clean['withdraw_daily_amount'] > 0 && isset($clean['withdraw_min_amount']) && (float)$clean['withdraw_daily_amount'] < (float)$clean['withdraw_min_amount']) {
                throw new \InvalidArgumentException('单人单日累计上限不能低于单笔最低提现金额');
            }
        }
        if (isset($input['withdraw_daily_count'])) {
            $clean['withdraw_daily_count'] = (string)max(0, (int)$input['withdraw_daily_count']);
        }

        if (isset($input['withdraw_allow_weekdays'])) {
            $dayArr = is_array($input['withdraw_allow_weekdays']) ? $input['withdraw_allow_weekdays'] : explode(',', (string)$input['withdraw_allow_weekdays']);
            $validDays = [];
            foreach ($dayArr as $d) {
                $di = (int)$d;
                if ($di >= 1 && $di <= 7 && !in_array($di, $validDays, true)) {
                    $validDays[] = $di;
                }
            }
            if (empty($validDays)) {
                throw new \InvalidArgumentException('请至少选择一天允许提现的周期');
            }
            sort($validDays);
            $clean['withdraw_allow_weekdays'] = implode(',', $validDays);
        }

        if (isset($input['withdraw_time_start'])) {
            $ts = trim((string)$input['withdraw_time_start']);
            if (!preg_match('/^([01]\d|2[0-3]):[0-5]\d$/', $ts)) {
                throw new \InvalidArgumentException('每日开始时间格式须为 HH:mm（如 00:00）');
            }
            $clean['withdraw_time_start'] = $ts;
        }
        if (isset($input['withdraw_time_end'])) {
            $te = trim((string)$input['withdraw_time_end']);
            if (!preg_match('/^([01]\d|2[0-3]):[0-5]\d$/', $te)) {
                throw new \InvalidArgumentException('每日结束时间格式须为 HH:mm（如 23:59）');
            }
            $clean['withdraw_time_end'] = $te;
        }
        if (isset($clean['withdraw_time_start'], $clean['withdraw_time_end']) && $clean['withdraw_time_start'] >= $clean['withdraw_time_end']) {
            throw new \InvalidArgumentException('每日允许提现开始时间必须早于结束时间');
        }

        if (isset($input['withdraw_fee_mode'])) {
            if (!in_array($input['withdraw_fee_mode'], ['percent', 'fixed', 'free'], true)) {
                throw new \InvalidArgumentException('请选择有效的手续费计收方式');
            }
            $clean['withdraw_fee_mode'] = $input['withdraw_fee_mode'];
        }
        if (isset($input['withdraw_fee_rate'])) {
            if (!is_numeric($input['withdraw_fee_rate']) || (float)$input['withdraw_fee_rate'] < 0 || (float)$input['withdraw_fee_rate'] > 50) {
                throw new \InvalidArgumentException('提现手续费率须在 0% ~ 50% 之间');
            }
            $clean['withdraw_fee_rate'] = number_format(round((float)$input['withdraw_fee_rate'], 2), 2, '.', '');
        }
        foreach (['withdraw_fee_fixed' => '单笔固定手续费', 'withdraw_fee_min' => '单笔最低保底手续费', 'withdraw_fee_max' => '单笔最高封顶手续费'] as $k => $label) {
            if (isset($input[$k])) {
                if (!is_numeric($input[$k]) || (float)$input[$k] < 0) {
                    throw new \InvalidArgumentException($label . '不能为负数');
                }
                $clean[$k] = number_format(round((float)$input[$k], 2), 2, '.', '');
            }
        }
        if (isset($clean['withdraw_fee_min'], $clean['withdraw_fee_max'])) {
            $fMin = (float)$clean['withdraw_fee_min'];
            $fMax = (float)$clean['withdraw_fee_max'];
            if ($fMin > 0 && $fMax > 0 && $fMin > $fMax) {
                throw new \InvalidArgumentException('单笔最低保底手续费不能大于最高封顶手续费');
            }
        }

        // 校验最低提现额扣除手续费后不低于微信官方 0.10 元底线
        $mergedPreview = array_merge(self::getAll(), $clean);
        $minTestAmt = (float)$mergedPreview['withdraw_min_amount'];
        if (($mergedPreview['withdraw_fee_mode'] ?? 'percent') === 'fixed' && $minTestAmt - (float)$mergedPreview['withdraw_fee_fixed'] < self::WX_TRANSFER_MIN_ARRIVE) {
            throw new \InvalidArgumentException('单笔最低提现金额扣除固定手续费后实际到账低于 ¥0.10，请调高最低提现额或调低固定手续费');
        }

        if (isset($input['withdraw_transfer_mode'])) {
            if (!in_array($input['withdraw_transfer_mode'], ['wx_mch_transfer', 'offline_manual'], true)) {
                throw new \InvalidArgumentException('无效的微信渠道打款执行方式');
            }
            $clean['withdraw_transfer_mode'] = $input['withdraw_transfer_mode'];
        }
        if (isset($input['withdraw_audit_mode'])) {
            if (!in_array($input['withdraw_audit_mode'], ['manual', 'auto_small'], true)) {
                throw new \InvalidArgumentException('无效的提现审核模式');
            }
            $clean['withdraw_audit_mode'] = $input['withdraw_audit_mode'];
        }
        if (isset($input['withdraw_auto_max_amount'])) {
            if (!is_numeric($input['withdraw_auto_max_amount']) || (float)$input['withdraw_auto_max_amount'] < 0 || (float)$input['withdraw_auto_max_amount'] > self::WX_TRANSFER_HARD_MAX) {
                throw new \InvalidArgumentException('小额免审自动转账上限须在 ¥0 ~ ¥20,000 之间');
            }
            $clean['withdraw_auto_max_amount'] = number_format(round((float)$input['withdraw_auto_max_amount'], 2), 2, '.', '');
        }

        foreach ([
            'wx_transfer_scene_id' => ['label' => '微信转账场景ID', 'max' => 16],
            'wx_recv_perception'   => ['label' => '微信收款用户感知', 'max' => 32],
            'wx_job_type'          => ['label' => '微信场景报备-岗位类型', 'max' => 32],
            'wx_reward_desc'       => ['label' => '微信场景报备-报酬说明', 'max' => 32],
            'wx_transfer_remark'   => ['label' => '微信零钱转账备注', 'max' => 32],
        ] as $k => $meta) {
            if (isset($input[$k])) {
                $val = trim((string)$input[$k]);
                if ($val === '') {
                    throw new \InvalidArgumentException($meta['label'] . '不能为空（微信支付 APIv3 商家转账必填项）');
                }
                if (mb_strlen($val) > $meta['max']) {
                    throw new \InvalidArgumentException($meta['label'] . '不能超过 ' . $meta['max'] . ' 个字符（微信接口长度限制）');
                }
                $clean[$k] = $val;
            }
        }

        $now = time();
        Db::startTrans();
        try {
            foreach ($clean as $name => $val) {
                if (!array_key_exists($name, $defaults)) {
                    continue;
                }
                $group = strpos($name, 'default_') === 0 || $name === 'include_diff_in_commission' ? 'commission' : 'withdraw';
                $exists = Db::name('finance_config')->where('name', $name)->find();
                if ($exists) {
                    Db::name('finance_config')->where('id', (int)$exists['id'])->update([
                        'value'      => $val,
                        'updatetime' => $now,
                    ]);
                } else {
                    Db::name('finance_config')->insert([
                        'name'       => $name,
                        'group'      => $group,
                        'title'      => $name,
                        'value'      => $val,
                        'remark'     => '',
                        'updatetime' => $now,
                    ]);
                }
            }
            Db::commit();
        } catch (\Throwable $e) {
            Db::rollback();
            throw $e;
        }

        self::clearCache();
    }
}