xionggeshop/addons/shopro_huifu/library/onboard/HuifuOnboardBusiOpen.php

<?php



namespace addons\shopro_huifu\library\onboard;



use addons\shopro_huifu\library\HuifuConfig;

use addons\shopro_huifu\library\SdkLoader;



class HuifuOnboardBusiOpen

{

    protected $sdk;

    protected $config;



    public function __construct(HuifuOnboardSdk $sdk = null)

    {

        $this->sdk = $sdk ?: new HuifuOnboardSdk();

        $this->config = HuifuConfig::getInstance();

    }



    public function submit($huifuId, array $form, array $fileMap)

    {

        SdkLoader::requireRequest('V2UserBusiOpenRequest.php');

        $meta = $this->sdk->newReqMeta();

        $request = new \BsPaySdk\request\V2UserBusiOpenRequest();

        $request->setHuifuId($huifuId);

        $request->setReqSeqId($meta['req_seq_id']);

        $request->setReqDate($meta['req_date']);

        $request->setUpperHuifuId($this->sdk->getUpperHuifuId());



        $settleCycle = $this->config->get('onboard_settle_cycle', 'D1');

        $settleBatch = $this->config->get('onboard_settle_batch_no', '300');

        // 汇付费率单位为百分比；AMT * 0.0005 对应 fee_rate=0.05。
        $settleFeeRate = max(0.05, (float) $this->config->get('onboard_settle_fee_rate', '0.05'));

        $cashType = $this->config->get('onboard_cash_type', 'D1');

        $cashFix = $this->config->get('onboard_cash_fix_amt', '0.03');

        $cashRate = $this->config->get('onboard_cash_fee_rate', '0');



        $settleConfigList = [[

            'settle_cycle' => $settleCycle,

            'settle_batch_no' => $settleBatch,

            'min_amt' => '0.01',

            'remained_amt' => '0.00',

            'settle_abstract' => '分账结算',

            'out_settle_flag' => '2',

            'fixed_ratio' => number_format($settleFeeRate, 2, '.', ''),

        ]];



        // 系统 bank_account_type：0=对私，1=对公
        // 汇付 card_type：0=对公，1=对私法人，2=对私非法人
        $bankAccountType = (string) ($form['bank_account_type'] ?? '0');
        $cardType = $bankAccountType === '1' ? '0' : '1';
        $accountType = $form['account_type'] ?? 'indv';
        $cardName = $form['card_name'] ?? '';
        if ($accountType === 'indv') {
            $cardName = $form['name'] ?? $cardName;
        } elseif ($bankAccountType === '0') {
            $cardName = $form['legal_name'] ?? $cardName;
        }

        $cardInfo = [

            'card_type' => $cardType,

            'card_name' => $cardName,

            'card_no' => $form['card_no'],

            'prov_id' => $form['prov_id'],

            'area_id' => HuifuOnboardAreaHelper::toHuifuCityCode($form['area_id'] ?? ''),

            'mp' => $form['mp'],

        ];

        if (!empty($form['branch_code'])) {

            $cardInfo['branch_code'] = $form['branch_code'];

        }

        if (!empty($form['branch_name'])) {

            $cardInfo['branch_name'] = $form['branch_name'];

        }

        if ($cardType === '1') {

            $cardInfo['cert_type'] = '00';

            $cardInfo['cert_no'] = $form['cert_no'];

            $cardInfo['cert_validity_type'] = $form['cert_validity_type'];

            $cardInfo['cert_begin_date'] = $form['cert_begin_date'];

            if ($form['cert_validity_type'] === '0' && !empty($form['cert_end_date'])) {

                $cardInfo['cert_end_date'] = $form['cert_end_date'];

            }

        }



        $cashConfig = [[

            'cash_type' => $cashType,

            'fix_amt' => $cashFix,

            'fee_rate' => $cashRate,

        ]];



        $fileList = [];

        if (!empty($fileMap['F13'])) {

            $fileList[] = [

                'file_type' => 'F13',

                'file_id' => $fileMap['F13'],

                'file_name' => 'bank_card.jpg',

            ];

        }

        if ($cardType === '0' && !empty($fileMap['F08'])) {

            $fileList[] = [

                'file_type' => 'F08',

                'file_id' => $fileMap['F08'],

                'file_name' => 'account_permit.jpg',

            ];

        }



        $extend = [

            'settle_config_list' => json_encode($settleConfigList, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),

            'card_info' => json_encode($cardInfo, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),

            'cash_config' => json_encode($cashConfig, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),

            'async_return_url' => $this->sdk->getOnboardNotifyUrl(),

        ];

        if ($fileList) {

            $extend['file_list'] = json_encode($fileList, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);

        }

        $request->setExtendInfo($extend);



        $result = $this->sdk->getClient()->postRequest($request);

        $data = $this->sdk->getClient()->parseResponse($result);

        $applyNo = $data['apply_no'] ?? ($data['apply_id'] ?? '');



        return [

            'req_date' => $meta['req_date'],

            'req_seq_id' => $meta['req_seq_id'],

            'apply_no' => $applyNo,

            'resp' => $data,

        ];

    }

}