压缩历史至 95081aff

internal/service/payment.go

@@ -0,0 +1,192 @@
+/*
+Copyright 2025 linux.do
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package service
+
+import (
+	"encoding/json"
+	"errors"
+	"fmt"
+	"time"
+
+	"github.com/hibiken/asynq"
+	"github.com/linux-do/credit/internal/common"
+	"github.com/linux-do/credit/internal/model"
+	"github.com/linux-do/credit/internal/task"
+	"github.com/linux-do/credit/internal/task/scheduler"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// BalanceOperation 余额操作类型
+type BalanceOperation int
+
+const (
+	BalanceAdd BalanceOperation = iota
+	BalanceDeduct
+)
+
+// BalanceUpdateOptions 余额更新选项
+type BalanceUpdateOptions struct {
+	UserID        uint64
+	Amount        decimal.Decimal
+	Operation     BalanceOperation
+	ScoreChange   int64
+	TotalField    string // 累计字段：total_payment / total_receive / total_transfer
+	CheckBalance  bool
+	AsyncTransfer bool // 异步结算时使用 pending_balance 字段
+}
+
+// UpdateBalance 通用余额更新函数
+func UpdateBalance(tx *gorm.DB, opts BalanceUpdateOptions) error {
+	updates := make(map[string]interface{})
+
+	balanceField := "available_balance"
+	if opts.AsyncTransfer {
+		balanceField = "pending_balance"
+	}
+
+	if opts.Operation == BalanceAdd {
+		updates[balanceField] = gorm.Expr(balanceField+" + ?", opts.Amount)
+	} else {
+		updates[balanceField] = gorm.Expr(balanceField+" - ?", opts.Amount)
+	}
+
+	if opts.TotalField != "" {
+		updates[opts.TotalField] = gorm.Expr(opts.TotalField+" + ?", opts.Amount)
+	}
+
+	if opts.ScoreChange != 0 {
+		updates["pay_score"] = gorm.Expr("pay_score + ?", opts.ScoreChange)
+	}
+
+	query := tx.Model(&model.User{}).Where("id = ?", opts.UserID)
+	if opts.CheckBalance {
+		query = query.Where(balanceField+" >= ?", opts.Amount)
+	}
+
+	result := query.UpdateColumns(updates)
+	if result.Error != nil {
+		return result.Error
+	}
+	if opts.CheckBalance && result.RowsAffected == 0 {
+		return errors.New(common.InsufficientBalance)
+	}
+
+	return nil
+}
+
+// SettlePendingToAvailable 将资金从 PendingBalance 转入 AvailableBalance
+func SettlePendingToAvailable(tx *gorm.DB, userID uint64, amount decimal.Decimal) error {
+	result := tx.Model(&model.User{}).
+		Where("id = ? AND pending_balance >= ?", userID, amount).
+		UpdateColumns(map[string]interface{}{
+			"pending_balance":   gorm.Expr("pending_balance - ?", amount),
+			"available_balance": gorm.Expr("available_balance + ?", amount),
+		})
+	if result.Error != nil {
+		return result.Error
+	}
+	if result.RowsAffected == 0 {
+		return errors.New(common.InsufficientBalance)
+	}
+	return nil
+}
+
+// CheckDailyLimit 检查用户每日支付限额
+// 返回 nil 表示未超限额，返回 error 表示超限或查询失败
+func CheckDailyLimit(tx *gorm.DB, userID uint64, amount decimal.Decimal, dailyLimit *int64) error {
+	if dailyLimit == nil || *dailyLimit <= 0 {
+		return nil
+	}
+
+	now := time.Now()
+	datePart := int64(now.Year()*10000 + int(now.Month())*100 + now.Day())
+	lockID := int64(userID)*100000000 + datePart
+	if err := tx.Exec("SELECT pg_advisory_xact_lock(?)", lockID).Error; err != nil {
+		return err
+	}
+
+	todayUsed, err := GetTodayUsedAmount(tx, userID)
+	if err != nil {
+		return err
+	}
+
+	if todayUsed.Add(amount).GreaterThan(decimal.NewFromInt(*dailyLimit)) {
+		return errors.New(common.DailyLimitExceeded)
+	}
+
+	return nil
+}
+
+// GetTodayUsedAmount 获取用户当日已使用的支付额度
+func GetTodayUsedAmount(db *gorm.DB, userID uint64) (decimal.Decimal, error) {
+	now := time.Now()
+	todayStart := time.Date(now.Year(), now.Month(), now.Day(), 0, 0, 0, 0, now.Location())
+	todayEnd := todayStart.Add(24 * time.Hour)
+
+	var total decimal.Decimal
+	err := db.Model(&model.Order{}).
+		Where("payer_user_id = ? AND status = ? AND type IN ? AND trade_time >= ? AND trade_time < ?",
+			userID,
+			model.OrderStatusSuccess,
+			[]model.OrderType{model.OrderTypePayment, model.OrderTypeOnline, model.OrderTypeDistribute, model.OrderTypeTransfer},
+			todayStart,
+			todayEnd).
+		Select("COALESCE(SUM(amount), 0)").
+		Scan(&total).Error
+
+	return total, err
+}
+
+// CalculateFee 计算手续费和商户实收金额
+// 返回：手续费、商户实收金额、手续费百分比
+func CalculateFee(amount decimal.Decimal, feeRate decimal.Decimal) (fee decimal.Decimal, merchantAmount decimal.Decimal, feePercent int64) {
+	fee = amount.Mul(feeRate).Round(2)
+	merchantAmount = amount.Sub(fee)
+	feePercent = feeRate.Mul(decimal.NewFromInt(100)).IntPart()
+	return
+}
+
+// ValidateTestModePayment 验证测试模式下的支付权限
+// 返回 error：nil 表示允许支付，非 nil 表示拒绝支付
+func ValidateTestModePayment(currentUserID, merchantUserID uint64, isTestMode bool) error {
+	if currentUserID == merchantUserID {
+		if !isTestMode {
+			return errors.New(common.CannotPaySelf)
+		}
+	} else if isTestMode {
+		return errors.New(common.TestModeCannotProcessOrder)
+	}
+	return nil
+}
+
+// EnqueueMerchantNotify 下发商户回调任务
+func EnqueueMerchantNotify(orderID uint64, clientID string) error {
+	notifyPayload, _ := json.Marshal(map[string]interface{}{
+		"order_id":  orderID,
+		"client_id": clientID,
+	})
+	if _, err := scheduler.AsynqClient.Enqueue(
+		asynq.NewTask(task.MerchantPaymentNotifyTask, notifyPayload),
+		asynq.Queue(task.QueueWebhook),
+		asynq.MaxRetry(10),
+		asynq.Timeout(30*time.Second),
+	); err != nil {
+		return fmt.Errorf("下发商户回调任务失败: %w", err)
+	}
+	return nil
+}