abc40ef2a9
- 用户端及后台管理端新增更换结算卡接口与页面交互 - 服务层实现换卡核心逻辑、参数校验及汇付接口调用 - 增加换卡异步通知处理与定时轮询补偿以同步审核状态 - 完善进件状态网关，补充换卡审核状态及驳回原因等字段
614 行
23 KiB
PHP
614 行
23 KiB
PHP
<?php
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namespace addons\shopro_huifu\library\onboard;
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use addons\shopro_huifu\model\Onboard;
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use think\Db;
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use think\Log;
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class HuifuOnboardService
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{
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protected $sdk;
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protected $picture;
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protected $basic;
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protected $basicEnt;
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protected $busi;
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protected $busiModify;
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protected $query;
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protected function sdk()
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{
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if (!$this->sdk) {
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$this->sdk = new HuifuOnboardSdk();
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$this->picture = new HuifuOnboardPicture($this->sdk);
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$this->basic = new HuifuOnboardBasicIndv($this->sdk);
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$this->basicEnt = new HuifuOnboardBasicEnt($this->sdk);
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$this->busi = new HuifuOnboardBusiOpen($this->sdk);
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$this->busiModify = new HuifuOnboardBusiModify($this->sdk);
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$this->query = new HuifuOnboardQuery($this->sdk);
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}
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return $this->sdk;
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}
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/**
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* 仅保存进件资料（后台代录 / 兼容旧路径）；用户端已改为 submit 直连汇付
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*/
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public function saveDraft($userId, $roleType, $roleRefId, array $formData, $onboardId = 0, $force = false)
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{
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if (!$force && !HuifuOnboardGate::isOnboardRequired()) {
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return null;
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}
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if (!in_array($roleType, ['promoter', 'regional_agent'], true)) {
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throw new \InvalidArgumentException('无效角色类型');
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}
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$form = HuifuOnboardValidator::validateSubmit($formData);
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$onboardId = intval($onboardId);
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if ($onboardId > 0) {
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$row = Onboard::get($onboardId);
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if (!$row || intval($row['user_id']) !== intval($userId)) {
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throw new \InvalidArgumentException('进件记录不存在');
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}
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} else {
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$row = Onboard::findByRole($userId, $roleType, $roleRefId);
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}
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if ($row && $row['onboard_status'] === Onboard::STATUS_APPROVED) {
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return $row;
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}
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if ($row && in_array($row['onboard_status'], [
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Onboard::STATUS_SUBMITTING,
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Onboard::STATUS_BASIC_OK,
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Onboard::STATUS_BUSI_PENDING,
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], true)) {
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throw new \RuntimeException('汇付进件处理中，请耐心等待');
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}
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if (!$row) {
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$row = Onboard::create([
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'user_id' => $userId,
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'role_type' => $roleType,
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'role_ref_id' => $roleRefId,
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'onboard_status' => Onboard::STATUS_DRAFT,
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]);
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}
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$row->onboard_status = Onboard::STATUS_DRAFT;
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$row->payload = json_encode($form, JSON_UNESCAPED_UNICODE);
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$row->reject_reason = '';
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$row->save();
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HuifuOnboardReceiverSync::bindOnboardId($roleType, $roleRefId, $row['id']);
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return $row;
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}
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/**
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* 后台业务审核通过后，读取 draft 资料提交汇付
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*/
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public function submitFromDraft($userId, $roleType, $roleRefId)
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{
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if (!HuifuOnboardGate::isOnboardRequired()) {
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return null;
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}
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$row = Onboard::findByRole($userId, $roleType, $roleRefId);
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if (!$row || $row['onboard_status'] !== Onboard::STATUS_DRAFT) {
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return null;
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}
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$payload = json_decode($row['payload'] ?? '', true);
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if (!$payload || !is_array($payload)) {
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throw new \RuntimeException('缺少汇付进件资料，请用户在小程序重新提交');
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}
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return $this->submit($userId, $roleType, $roleRefId, $payload);
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}
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public function submit($userId, $roleType, $roleRefId, array $formData)
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{
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if (!HuifuOnboardGate::isOnboardRequired()) {
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return null;
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}
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if (!in_array($roleType, ['promoter', 'regional_agent'], true)) {
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throw new \InvalidArgumentException('无效角色类型');
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}
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$form = HuifuOnboardValidator::validateSubmit($formData);
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$row = Onboard::findByRole($userId, $roleType, $roleRefId);
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if ($row && $row['onboard_status'] === Onboard::STATUS_APPROVED) {
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return $row;
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}
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if ($row && in_array($row['onboard_status'], [Onboard::STATUS_SUBMITTING, Onboard::STATUS_BUSI_PENDING], true)) {
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throw new \RuntimeException('进件审核中，请耐心等待');
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}
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if (!$row) {
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$row = Onboard::create([
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'user_id' => $userId,
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'role_type' => $roleType,
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'role_ref_id' => $roleRefId,
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'onboard_status' => Onboard::STATUS_DRAFT,
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]);
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}
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$row->onboard_status = Onboard::STATUS_SUBMITTING;
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$row->payload = json_encode($form, JSON_UNESCAPED_UNICODE);
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$row->reject_reason = '';
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$row->save();
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try {
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$this->sdk();
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$fileMap = $this->uploadFormPictures($form);
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$row->file_map = json_encode($fileMap, JSON_UNESCAPED_UNICODE);
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$accountType = $form['account_type'] ?? 'indv';
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$basicResult = $accountType === 'ent'
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? $this->basicEnt->submit($form, $fileMap)
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: $this->basic->submit($form, $fileMap);
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$row->huifu_id = $basicResult['huifu_id'];
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$row->basic_req_seq_id = $basicResult['req_seq_id'];
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$row->req_date = $basicResult['req_date'];
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$row->req_seq_id = $basicResult['req_seq_id'];
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$row->onboard_status = Onboard::STATUS_BASIC_OK;
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$row->save();
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$busiResult = $this->busi->submit($row['huifu_id'], $form, $fileMap);
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$row->busi_req_seq_id = $busiResult['req_seq_id'];
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$row->req_seq_id = $busiResult['req_seq_id'];
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$row->apply_no = $busiResult['apply_no'] ?? '';
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$row->onboard_status = Onboard::STATUS_BUSI_PENDING;
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$row->resp_snapshot = json_encode($busiResult['resp'], JSON_UNESCAPED_UNICODE);
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$row->save();
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HuifuOnboardReceiverSync::bindOnboardId($roleType, $roleRefId, $row['id']);
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$row = $this->query->pollAndUpdate($row);
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return $row;
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} catch (\Throwable $e) {
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$friendly = HuifuOnboardError::translate($e->getMessage());
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Log::error('[shopro_huifu] onboard submit fail uid=' . $userId . ' ' . $e->getMessage());
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$row->onboard_status = Onboard::STATUS_FAILED;
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$row->reject_reason = $friendly;
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$row->save();
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throw new \RuntimeException($friendly, 0, $e);
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}
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}
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public function resubmit($userId, $roleType, $roleRefId, array $formData)
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{
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$row = Onboard::findByRole($userId, $roleType, $roleRefId);
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if ($row && $row['onboard_status'] === Onboard::STATUS_APPROVED) {
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return $row;
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}
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if ($row && in_array($row['onboard_status'], [Onboard::STATUS_REJECTED, Onboard::STATUS_FAILED], true)) {
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$row->onboard_status = Onboard::STATUS_DRAFT;
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$row->save();
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}
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return $this->submit($userId, $roleType, $roleRefId, $formData);
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}
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public function pollPending($limit = 50)
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{
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$list = Onboard::where('onboard_status', 'in', [
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Onboard::STATUS_BUSI_PENDING,
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Onboard::STATUS_BASIC_OK,
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])->limit($limit)->select();
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if (!$list || count($list) === 0) {
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return 0;
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}
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$this->sdk();
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$count = 0;
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foreach ($list as $row) {
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try {
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$this->query->pollAndUpdate($row);
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$count++;
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} catch (\Throwable $e) {
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Log::error('[shopro_huifu] onboard poll fail id=' . $row['id'] . ' ' . $e->getMessage());
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}
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}
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return $count;
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}
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protected function uploadFormPictures(array $form)
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{
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$fileMap = [];
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$accountType = $form['account_type'] ?? 'indv';
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if ($accountType === 'ent') {
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if (!empty($form['license_url'])) {
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$fileMap['F01'] = $this->picture->uploadByUrl('F01', $form['license_url']);
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}
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if (!empty($form['legal_id_front_url'])) {
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$fileMap['F02'] = $this->picture->uploadByUrl('F02', $form['legal_id_front_url']);
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}
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if (!empty($form['legal_id_back_url'])) {
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$fileMap['F03'] = $this->picture->uploadByUrl('F03', $form['legal_id_back_url']);
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}
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} else {
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$fileMap['F02'] = $this->picture->uploadByUrl('F02', $form['id_card_front_url']);
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$fileMap['F03'] = $this->picture->uploadByUrl('F03', $form['id_card_back_url']);
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}
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if (!empty($form['bank_card_url'])) {
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$fileMap['F13'] = $this->picture->uploadByUrl('F13', $form['bank_card_url']);
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}
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if (($form['bank_account_type'] ?? '0') === '1' && !empty($form['account_permit_url'])) {
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$fileMap['F08'] = $this->picture->uploadByUrl('F08', $form['account_permit_url']);
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}
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return $fileMap;
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}
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/**
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* 已通过进件后更换结算银行卡（V2UserBusiModify，仅 card_info）
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*/
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public function modifySettleCard($userId, $roleType, $roleRefId, array $formData, $onboardId = 0)
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{
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if (!HuifuOnboardGate::isOnboardRequired()) {
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throw new \RuntimeException('当前未开启汇付进件');
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}
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if (!in_array($roleType, ['promoter', 'regional_agent'], true)) {
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throw new \InvalidArgumentException('无效角色类型');
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}
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$onboardId = intval($onboardId);
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if ($onboardId > 0) {
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$row = Onboard::get($onboardId);
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if (!$row || intval($row['user_id']) !== intval($userId)) {
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throw new \InvalidArgumentException('进件记录不存在');
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}
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} else {
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$row = Onboard::findByRole($userId, $roleType, $roleRefId);
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}
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if (!$row || $row['onboard_status'] !== Onboard::STATUS_APPROVED) {
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throw new \RuntimeException('仅进件已通过时可更换结算卡');
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}
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if (empty($row['huifu_id'])) {
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throw new \RuntimeException('缺少汇付商户号，无法更换结算卡');
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}
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$payload = json_decode($row['payload'] ?? '', true);
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if (!is_array($payload)) {
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$payload = [];
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}
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$cardModify = self::getCardModifyMeta($payload);
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if (($cardModify['status'] ?? '') === 'pending') {
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throw new \RuntimeException('结算卡更换审核中，请稍后再试');
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}
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$form = HuifuOnboardValidator::validateCardModify($formData, $payload);
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$oldCard = preg_replace('/\s+/', '', (string) ($payload['card_no'] ?? ''));
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$newCard = preg_replace('/\s+/', '', (string) ($form['card_no'] ?? ''));
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try {
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$this->sdk();
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$fileMap = $this->uploadCardModifyPictures($form, $payload, $oldCard !== $newCard);
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$result = $this->busiModify->modifyCard($row['huifu_id'], $form, $fileMap);
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$resp = is_array($result['resp'] ?? null) ? $result['resp'] : [];
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$applyNo = (string) ($result['apply_no'] ?? '');
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$pending = $this->isCardModifyPending($resp, $applyNo);
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if ($pending) {
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$payload['_card_modify'] = [
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'status' => 'pending',
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'apply_no' => $applyNo,
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'req_seq_id' => (string) ($result['req_seq_id'] ?? ''),
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'req_date' => (string) ($result['req_date'] ?? ''),
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'pending_form' => $this->cardFieldsOnly($form),
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'reject_reason' => '',
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'updated_at' => time(),
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];
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$row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
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$row->resp_snapshot = json_encode($resp, JSON_UNESCAPED_UNICODE);
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$row->save();
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return $row;
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}
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if (!$this->isCardModifySyncSuccess($resp)) {
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$msg = (string) ($resp['resp_desc'] ?? '更换结算卡失败');
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throw new \RuntimeException(HuifuOnboardError::translate($msg));
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}
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return $this->commitCardModifySuccess($row, $payload, $form, $resp);
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} catch (\RuntimeException $e) {
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throw $e;
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} catch (\Throwable $e) {
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$friendly = HuifuOnboardError::translate($e->getMessage());
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Log::error('[shopro_huifu] card modify fail uid=' . $userId . ' id=' . $row['id'] . ' ' . $e->getMessage());
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throw new \RuntimeException($friendly, 0, $e);
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}
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}
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public function handleNotify(array $data)
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{
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$huifuId = trim((string) ($data['huifu_id'] ?? ''));
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if ($huifuId === '') {
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return false;
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}
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$auditInfo = $data['audit_info'] ?? null;
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if (is_string($auditInfo)) {
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$auditInfo = json_decode($auditInfo, true) ?: [];
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}
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if (!is_array($auditInfo)) {
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$auditInfo = [];
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}
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$applyNo = trim((string) ($data['apply_no'] ?? ($auditInfo['apply_no'] ?? '')));
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$reqSeqId = trim((string) ($data['req_seq_id'] ?? ''));
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$row = Onboard::where('huifu_id', $huifuId)->order('id desc')->find();
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if (!$row) {
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return false;
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}
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if ($this->tryApplyCardModifyNotify($row, $data, $auditInfo, $applyNo, $reqSeqId)) {
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return true;
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}
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// 原进件审核：优先按 apply_no 精确匹配，避免误更新其他记录
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if ($applyNo !== '') {
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$byApply = Onboard::where('huifu_id', $huifuId)->where('apply_no', $applyNo)->order('id desc')->find();
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if ($byApply) {
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$row = $byApply;
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}
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}
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$this->sdk();
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$this->query->pollAndUpdate($row);
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return true;
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}
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/**
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* 补偿：扫描换卡 pending，查单后更新（不改 onboard_status）
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*/
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public function pollCardModifyPending($limit = 50)
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{
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$list = Onboard::where('onboard_status', Onboard::STATUS_APPROVED)
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->where('payload', 'like', '%"_card_modify"%')
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->limit($limit)
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->select();
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if (!$list || count($list) === 0) {
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return 0;
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}
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$this->sdk();
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$count = 0;
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foreach ($list as $row) {
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try {
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$payload = json_decode($row['payload'] ?? '', true);
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if (!is_array($payload)) {
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continue;
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}
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$meta = self::getCardModifyMeta($payload);
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if (($meta['status'] ?? '') !== 'pending') {
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continue;
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}
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$applyNo = trim((string) ($meta['apply_no'] ?? ''));
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if ($applyNo === '' || empty($row['huifu_id'])) {
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continue;
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}
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$status = $this->query->queryApply($row['huifu_id'], $applyNo);
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$this->applyCardModifyRemoteStatus($row, $payload, $meta, $status);
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$count++;
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} catch (\Throwable $e) {
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Log::error('[shopro_huifu] card modify poll fail id=' . $row['id'] . ' ' . $e->getMessage());
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}
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}
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return $count;
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}
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protected function uploadCardModifyPictures(array $form, array $stored, $cardChanged)
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{
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$fileMap = [];
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$needBankPic = $cardChanged || empty($stored['bank_card_url']) || (!empty($form['bank_card_url']) && ($form['bank_card_url'] !== ($stored['bank_card_url'] ?? '')));
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if ($needBankPic && !empty($form['bank_card_url'])) {
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$fileMap['F13'] = $this->picture->uploadByUrl('F13', $form['bank_card_url']);
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}
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if ((string) ($form['bank_account_type'] ?? '0') === '1' && !empty($form['account_permit_url'])) {
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$oldPermit = (string) ($stored['account_permit_url'] ?? '');
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if ($form['account_permit_url'] !== $oldPermit || empty($oldPermit)) {
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$fileMap['F08'] = $this->picture->uploadByUrl('F08', $form['account_permit_url']);
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}
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}
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return $fileMap;
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}
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protected function isCardModifyPending(array $resp, $applyNo)
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{
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$applyNo = trim((string) $applyNo);
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if ($applyNo === '') {
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return false;
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}
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// 有申请单号且绑卡结果未明确成功 → 审核中
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if ($this->cardBusinessSucceeded($resp)) {
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return false;
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}
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return true;
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}
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protected function isCardModifySyncSuccess(array $resp)
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{
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$code = (string) ($resp['resp_code'] ?? '');
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if (!in_array($code, ['00000000', '00', '0000'], true) && $code !== '') {
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// parseResponse 成功时通常已是业务成功码；若无码但有 token_no 也视为成功
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if (empty($resp['token_no']) && !$this->cardBusinessSucceeded($resp)) {
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return false;
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}
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}
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if ($this->cardBusinessFailed($resp)) {
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return false;
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}
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return true;
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}
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protected function cardBusinessSucceeded(array $resp)
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{
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||
$list = $resp['resp_business'] ?? [];
|
||
if (is_string($list)) {
|
||
$list = json_decode($list, true) ?: [];
|
||
}
|
||
if (!is_array($list) || !$list) {
|
||
return false;
|
||
}
|
||
foreach ($list as $item) {
|
||
if (!is_array($item)) {
|
||
continue;
|
||
}
|
||
if ((string) ($item['type'] ?? '') === '1' && strtoupper((string) ($item['code'] ?? '')) === 'S') {
|
||
return true;
|
||
}
|
||
}
|
||
return false;
|
||
}
|
||
|
||
protected function cardBusinessFailed(array $resp)
|
||
{
|
||
$list = $resp['resp_business'] ?? [];
|
||
if (is_string($list)) {
|
||
$list = json_decode($list, true) ?: [];
|
||
}
|
||
if (!is_array($list)) {
|
||
return false;
|
||
}
|
||
foreach ($list as $item) {
|
||
if (!is_array($item)) {
|
||
continue;
|
||
}
|
||
if ((string) ($item['type'] ?? '') === '1' && strtoupper((string) ($item['code'] ?? '')) === 'F') {
|
||
return true;
|
||
}
|
||
}
|
||
return false;
|
||
}
|
||
|
||
protected function commitCardModifySuccess(Onboard $row, array $payload, array $form, array $resp = [])
|
||
{
|
||
foreach ($this->cardFieldsOnly($form) as $key => $val) {
|
||
$payload[$key] = $val;
|
||
}
|
||
unset($payload['_card_modify']);
|
||
$row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
|
||
if ($resp) {
|
||
$row->resp_snapshot = json_encode($resp, JSON_UNESCAPED_UNICODE);
|
||
}
|
||
// 保持 approved，不改 apply_no
|
||
$row->save();
|
||
return $row;
|
||
}
|
||
|
||
protected function cardFieldsOnly(array $form)
|
||
{
|
||
$keys = [
|
||
'bank_account_type', 'card_no', 'card_name', 'branch_code', 'branch_name',
|
||
'prov_id', 'area_id', 'district_id', 'shopro_province_id', 'shopro_city_id', 'shopro_district_id',
|
||
'mp', 'mobile_no', 'legal_mobile', 'bank_card_url', 'account_permit_url',
|
||
// normalize 可能同步的证件字段（对私）
|
||
'cert_no', 'cert_validity_type', 'cert_begin_date', 'cert_end_date', 'name',
|
||
];
|
||
$out = [];
|
||
foreach ($keys as $key) {
|
||
if (array_key_exists($key, $form)) {
|
||
$out[$key] = $form[$key];
|
||
}
|
||
}
|
||
return $out;
|
||
}
|
||
|
||
protected function tryApplyCardModifyNotify(Onboard $row, array $data, array $auditInfo, $applyNo, $reqSeqId)
|
||
{
|
||
$payload = json_decode($row['payload'] ?? '', true);
|
||
if (!is_array($payload)) {
|
||
return false;
|
||
}
|
||
$meta = self::getCardModifyMeta($payload);
|
||
if (($meta['status'] ?? '') !== 'pending') {
|
||
return false;
|
||
}
|
||
|
||
$metaApply = trim((string) ($meta['apply_no'] ?? ''));
|
||
$metaReq = trim((string) ($meta['req_seq_id'] ?? ''));
|
||
$matched = false;
|
||
if ($applyNo !== '' && $metaApply !== '' && $applyNo === $metaApply) {
|
||
$matched = true;
|
||
} elseif ($reqSeqId !== '' && $metaReq !== '' && $reqSeqId === $metaReq) {
|
||
$matched = true;
|
||
}
|
||
if (!$matched) {
|
||
return false;
|
||
}
|
||
|
||
$auditStatus = strtoupper(trim((string) (
|
||
$auditInfo['audit_status']
|
||
?? $data['audit_status']
|
||
?? $data['apply_status']
|
||
?? ''
|
||
)));
|
||
$auditDesc = (string) (
|
||
$auditInfo['audit_desc']
|
||
?? $data['audit_desc']
|
||
?? $data['sub_resp_desc']
|
||
?? $data['resp_desc']
|
||
?? ''
|
||
);
|
||
|
||
if (in_array($auditStatus, ['Y', 'S', 'SUCCESS', 'APPROVED', '1', '02', '2'], true)) {
|
||
$pendingForm = is_array($meta['pending_form'] ?? null) ? $meta['pending_form'] : [];
|
||
$this->commitCardModifySuccess($row, $payload, $pendingForm, $data);
|
||
return true;
|
||
}
|
||
if (in_array($auditStatus, ['N', 'F', 'FAIL', 'FAILED', 'REJECTED', '3', '03', '-1'], true)) {
|
||
$payload['_card_modify'] = [
|
||
'status' => 'rejected',
|
||
'apply_no' => $metaApply,
|
||
'req_seq_id' => $metaReq,
|
||
'pending_form' => $meta['pending_form'] ?? [],
|
||
'reject_reason' => $auditDesc ?: '结算卡更换被驳回',
|
||
'updated_at' => time(),
|
||
];
|
||
$row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
|
||
$row->resp_snapshot = json_encode($data, JSON_UNESCAPED_UNICODE);
|
||
$row->save();
|
||
return true;
|
||
}
|
||
|
||
// 审核中：保持 pending
|
||
$payload['_card_modify']['updated_at'] = time();
|
||
$row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
|
||
$row->resp_snapshot = json_encode($data, JSON_UNESCAPED_UNICODE);
|
||
$row->save();
|
||
return true;
|
||
}
|
||
|
||
protected function applyCardModifyRemoteStatus(Onboard $row, array $payload, array $meta, array $status)
|
||
{
|
||
if (!$status) {
|
||
return;
|
||
}
|
||
$stat = strtoupper(trim((string) (
|
||
$status['audit_status']
|
||
?? $status['apply_status']
|
||
?? $status['status']
|
||
?? ''
|
||
)));
|
||
$desc = (string) ($status['audit_desc'] ?? $status['apply_desc'] ?? $status['resp_desc'] ?? '');
|
||
|
||
if (in_array($stat, ['Y', 'S', 'SUCCESS', 'APPROVED', '1', '02', '2'], true)) {
|
||
$pendingForm = is_array($meta['pending_form'] ?? null) ? $meta['pending_form'] : [];
|
||
$this->commitCardModifySuccess($row, $payload, $pendingForm, $status);
|
||
return;
|
||
}
|
||
if (in_array($stat, ['N', 'F', 'FAIL', 'FAILED', 'REJECTED', '3', '03', '-1'], true)) {
|
||
$payload['_card_modify'] = [
|
||
'status' => 'rejected',
|
||
'apply_no' => (string) ($meta['apply_no'] ?? ''),
|
||
'req_seq_id' => (string) ($meta['req_seq_id'] ?? ''),
|
||
'pending_form' => $meta['pending_form'] ?? [],
|
||
'reject_reason' => $desc ?: '结算卡更换被驳回',
|
||
'updated_at' => time(),
|
||
];
|
||
$row->payload = json_encode($payload, JSON_UNESCAPED_UNICODE);
|
||
$row->resp_snapshot = json_encode($status, JSON_UNESCAPED_UNICODE);
|
||
$row->save();
|
||
}
|
||
}
|
||
|
||
public static function getCardModifyMeta(array $payload)
|
||
{
|
||
$meta = $payload['_card_modify'] ?? null;
|
||
return is_array($meta) ? $meta : [];
|
||
}
|
||
}
|