554 lines
20 KiB
Go
554 lines
20 KiB
Go
package common
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import (
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"crypto/aes"
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"crypto/cipher"
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"crypto/hmac"
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"crypto/rand"
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"crypto/sha256"
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"encoding/base64"
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"encoding/hex"
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"io"
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"strings"
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"time"
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"git.apinb.com/bsm-sdk/core/errcode"
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"git.apinb.com/bsm-sdk/core/infra"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/config"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/impl"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/logic/payment"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/models"
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"github.com/gin-gonic/gin"
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"golang.org/x/crypto/bcrypt"
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"golang.org/x/crypto/hkdf"
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"gorm.io/gorm"
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"gorm.io/gorm/clause"
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"gorm.io/gorm/logger"
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)
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type walletOwner struct {
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Type, Identity, Phone string
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ID uint64
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}
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func currentOwner(ctx *gin.Context, client string) (walletOwner, bool) {
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if client == "user_app" {
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account, ok := UserAccount(ctx)
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return walletOwner{Type: "user", Identity: account.Identity, Phone: account.Phone, ID: account.ID}, ok
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}
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account, ok := StaffAccount(ctx)
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return walletOwner{Type: "staff", Identity: account.Identity, Phone: account.Phone, ID: account.ID}, ok
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}
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func ensureWallet(tx *gorm.DB, owner walletOwner) (models.WalletBasic, error) {
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var wallet models.WalletBasic
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err := tx.Where("owner_type = ? AND owner_identity = ?", owner.Type, owner.Identity).First(&wallet).Error
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if err == nil {
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return wallet, nil
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}
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if err != gorm.ErrRecordNotFound {
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return wallet, err
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}
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wallet = models.WalletBasic{
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Entity: NewEntity(StatusEnable), OwnerType: owner.Type, OwnerID: owner.ID, OwnerIdentity: owner.Identity,
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}
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if err := tx.Create(&wallet).Error; err != nil {
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return wallet, err
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}
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return wallet, nil
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}
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// GetWallet 延迟创建并返回当前主体钱包。
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func GetWallet(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{
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"identity": wallet.Identity, "balance": wallet.Balance,
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"withdrawal_balance": wallet.WithdrawalBalance, "payment_password_set": wallet.PayPasswordHash != "",
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})
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}
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}
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// SetPaymentPassword 设置或重置六位数字支付密码。
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func SetPaymentPassword(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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NewPassword string `json:"new_password" binding:"required,len=6,numeric"`
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CurrentPassword string `json:"current_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil || !paymentPasswordDigits.MatchString(request.NewPassword) {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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valid := wallet.PayPasswordHash == "" && VerifyCode(client, owner.Phone, "set_payment_password", request.RequestIdentity, request.Code)
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if wallet.PayPasswordHash != "" {
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// 验证码找回不尝试空旧密码，避免把找回动作计入支付密码输错次数。
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if request.CurrentPassword != "" {
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valid = VerifyPaymentPassword(owner.Identity, wallet, request.CurrentPassword)
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}
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if !valid {
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valid = VerifyCode(client, owner.Phone, "reset_payment_password", request.RequestIdentity, request.Code)
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}
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}
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if !valid {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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hash, err := bcrypt.GenerateFromPassword([]byte(request.NewPassword), bcrypt.DefaultCost)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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// 条件更新避免两个已验证请求互相覆盖；散列不得进入SQL日志。
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result := impl.DBService.Session(&gorm.Session{Logger: logger.Default.LogMode(logger.Silent)}).Model(&wallet).
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Where("pay_password_hash = ?", wallet.PayPasswordHash).Update("pay_password_hash", string(hash))
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if result.Error != nil {
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infra.Response.Error(ctx, result.Error)
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return
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}
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if result.RowsAffected != 1 {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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// 经过旧密码或手机验证码验证后，解除本次主体的既有密码锁；失败不否认已完成的改密。
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cleared := impl.RedisService != nil && impl.RedisService.Client != nil && impl.RedisService.Client.Del(impl.RedisService.Ctx,
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impl.RedisService.BuildKey("payment-password-lock", owner.Identity), impl.RedisService.BuildKey("payment-password-failures", owner.Identity)).Err() == nil
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infra.Response.Success(ctx, gin.H{"changed": true, "lock_cleared": cleared})
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}
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}
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// CreateRecharge 创建待支付充值订单，不直接增加余额。
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func CreateRecharge(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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Amount int64 `json:"amount" binding:"required,gt=0"`
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Channel string `json:"channel" binding:"required,oneof=mock wechat alipay"`
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RequestNo string `json:"request_no" binding:"required"`
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PayType string `json:"pay_type"`
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OpenID string `json:"openid"`
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}
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if ctx.ShouldBindJSON(&request) != nil || request.Amount > config.Spec.Global.ManualRechargeMaxAmount ||
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(request.Channel == "mock" && !config.Spec.Global.MockPaymentEnabled) {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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order := models.WalletRechargeOrder{
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Entity: NewEntity(StatusEnable), RechargeStatus: 10, WalletBasicID: wallet.ID,
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RechargeNo: RecordNo("RC"), RequestNo: request.RequestNo, Amount: request.Amount,
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Channel: request.Channel, OwnerType: owner.Type, OwnerIdentity: owner.Identity,
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}
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created := impl.DBService.Clauses(clause.OnConflict{Columns: []clause.Column{{Name: "request_no"}}, DoNothing: true}).Create(&order)
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if created.Error != nil {
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infra.Response.Error(ctx, created.Error)
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return
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}
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if created.RowsAffected == 0 {
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var existing models.WalletRechargeOrder
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if impl.DBService.Where("request_no = ? AND owner_type = ? AND owner_identity = ?", request.RequestNo, owner.Type, owner.Identity).First(&existing).Error != nil {
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infra.Response.Error(ctx, ErrRechargeRequestConflict)
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return
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}
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if existing.Amount != request.Amount || existing.Channel != request.Channel {
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infra.Response.Error(ctx, ErrRechargeRequestConflict)
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return
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}
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order = existing
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}
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if request.Channel != "mock" {
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payOrder, payErr := payment.Create(ctx, payment.CreateInput{RequestNo: request.RequestNo, BusinessType: "recharge", BusinessIdentity: order.Identity,
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UserIdentity: owner.Identity, Channel: request.Channel, PayType: request.PayType, Subject: "和气钱包充值 " + order.RechargeNo, OpenID: request.OpenID, Amount: order.Amount})
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if payErr != nil {
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infra.Response.Error(ctx, payErr)
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return
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}
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response := payment.PublicResponse(payOrder)
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response["recharge_identity"] = order.Identity
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response["recharge_no"] = order.RechargeNo
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response["recharge_status"] = order.RechargeStatus
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infra.Response.Success(ctx, response)
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return
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}
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infra.Response.Success(ctx, ResourceResponse(order))
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}
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}
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// ConfirmMockRecharge 模拟支付回调，生产关闭；事务内只入账一次。
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func ConfirmMockRecharge(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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if !config.Spec.Global.MockPaymentEnabled {
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infra.Response.Error(ctx, errcode.ErrPermissionDenied)
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return
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}
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var response models.WalletRechargeOrder
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err := impl.DBService.Transaction(func(tx *gorm.DB) error {
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if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
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Where("identity = ? AND owner_type = ? AND owner_identity = ?", ctx.Param("identity"), owner.Type, owner.Identity).First(&response).Error; err != nil {
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return err
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}
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if response.RechargeStatus == 23 {
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return nil
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}
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if response.RechargeStatus != 10 || response.Channel != "mock" {
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return gorm.ErrInvalidData
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}
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var wallet models.WalletBasic
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if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&wallet, response.WalletBasicID).Error; err != nil {
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return err
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}
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wallet.Balance += response.Amount
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if err := tx.Model(&wallet).Update("balance", wallet.Balance).Error; err != nil {
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return err
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}
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now := time.Now()
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if err := tx.Model(&response).Updates(map[string]any{"recharge_status": 23, "completed_at": &now}).Error; err != nil {
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return err
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}
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date := now.In(time.Local)
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return tx.Create(&models.WalletRecord{
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Entity: NewEntity(StatusEnable), WalletBasicID: wallet.ID, RecordNo: RecordNo("WR"),
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RequestNo: "recharge:" + response.Identity, Direction: "income", TradeType: "recharge",
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Amount: response.Amount, BalanceAfter: wallet.Balance, WithdrawalBalanceAfter: wallet.WithdrawalBalance,
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InTradeNo: response.RechargeNo, PayChannel: "mock", OperatorIdentity: owner.Identity,
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Ymd: int32(date.Year()*10000 + int(date.Month())*100 + date.Day()), Ym: int32(date.Year()*100 + int(date.Month())),
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}).Error
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})
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"confirmed": true})
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}
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}
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// ListWalletRecords 返回当前钱包不可变流水。
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func ListWalletRecords(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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var list []models.WalletRecord
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if err := impl.DBService.Where("wallet_basic_id = ?", wallet.ID).Order("created_at desc").Find(&list).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, ResourceResponse(list))
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}
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}
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// ListBanks 仅返回银行卡掩码和非敏感字段。
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func ListBanks(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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var banks []models.WalletBank
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if err := impl.DBService.Where("wallet_basic_id = ? AND status <> ?", wallet.ID, StatusArchived).
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Order("is_default desc, created_at desc").Find(&banks).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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list := make([]gin.H, 0, len(banks))
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for _, bank := range banks {
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list = append(list, gin.H{"identity": bank.Identity, "card_no_masked": "**** **** **** " + bank.CardNoLast4, "bank_name": bank.BankName, "card_owner": bank.CardOwner, "bank_type": bank.BankType, "is_default": bank.IsDefault})
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}
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infra.Response.Success(ctx, list)
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}
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}
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// BindBank 加密保存银行卡；支付渠道绑定标识在首期保持为空。
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func BindBank(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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CardNo string `json:"card_no" binding:"required,min=12,max=32"`
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BankName string `json:"bank_name" binding:"required,max=128"`
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CardOwner string `json:"card_owner" binding:"required,max=128"`
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IDCard string `json:"id_card" binding:"required"`
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Phone string `json:"phone" binding:"required"`
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BankType string `json:"bank_type"`
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Bank string `json:"bank"`
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PaymentPassword string `json:"payment_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil || !ValidPhone(request.Phone) {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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if !walletProof(wallet, client, owner.Phone, "bind_bank", request.PaymentPassword, request.RequestIdentity, request.Code) {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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cardCipher, fingerprint, err := protectField(request.CardNo)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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idCipher, _, _ := protectField(request.IDCard)
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phoneCipher, _, _ := protectField(request.Phone)
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var activeCount int64
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if err := impl.DBService.Model(&models.WalletBank{}).
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Where("wallet_basic_id = ? AND status <> ?", wallet.ID, StatusArchived).Count(&activeCount).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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bank := models.WalletBank{
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Entity: NewEntity(StatusEnable), WalletBasicID: wallet.ID, CardNoCiphertext: cardCipher,
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CardFingerprint: fingerprint, CardNoLast4: request.CardNo[len(request.CardNo)-4:],
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BankName: request.BankName, CardOwner: request.CardOwner, IDCardCiphertext: idCipher,
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PhoneCiphertext: phoneCipher, BankType: request.BankType, Bank: request.Bank, IsDefault: activeCount == 0,
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}
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if err := impl.DBService.Create(&bank).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"identity": bank.Identity, "card_no_masked": "**** **** **** " + bank.CardNoLast4, "is_default": bank.IsDefault})
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}
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}
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// SetDefaultBank 将本人已绑定卡设为默认到账卡，其他卡同时清除默认状态。
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func SetDefaultBank(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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err = impl.DBService.Transaction(func(tx *gorm.DB) error {
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var bank models.WalletBank
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if err := tx.Where("identity = ? AND wallet_basic_id = ? AND status = ?", ctx.Param("identity"), wallet.ID, StatusEnable).First(&bank).Error; err != nil {
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return err
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}
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if err := tx.Model(&models.WalletBank{}).Where("wallet_basic_id = ?", wallet.ID).Update("is_default", false).Error; err != nil {
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return err
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}
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return tx.Model(&bank).Update("is_default", true).Error
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})
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"changed": true})
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}
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}
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// UnbindBank 归档银行卡；存在待处理提现时拒绝。
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func UnbindBank(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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PaymentPassword string `json:"payment_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil || !walletProof(wallet, client, owner.Phone, "unbind_bank", request.PaymentPassword, request.RequestIdentity, request.Code) {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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err = impl.DBService.Transaction(func(tx *gorm.DB) error {
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var bank models.WalletBank
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if err := tx.Where("identity = ? AND wallet_basic_id = ? AND status <> ?", ctx.Param("identity"), wallet.ID, StatusArchived).First(&bank).Error; err != nil {
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return err
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}
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var count int64
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if err := tx.Model(&models.WalletApplyCash{}).Where("wallet_bank_id = ? AND apply_status IN ?", bank.ID, []int{10, 18}).Count(&count).Error; err != nil {
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return err
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}
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if count > 0 {
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return gorm.ErrInvalidData
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}
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if err := tx.Model(&bank).Updates(map[string]any{"status": StatusArchived, "is_default": false}).Error; err != nil {
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return err
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}
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if !bank.IsDefault {
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return nil
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}
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var next models.WalletBank
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if err := tx.Where("wallet_basic_id = ? AND status = ?", wallet.ID, StatusEnable).Order("created_at desc").First(&next).Error; err != nil {
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if err == gorm.ErrRecordNotFound {
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return nil
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}
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return err
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}
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return tx.Model(&next).Update("is_default", true).Error
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})
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if err != nil {
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if err == gorm.ErrInvalidData {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
|
||
infra.Response.Error(ctx, err)
|
||
return
|
||
}
|
||
infra.Response.Success(ctx, gin.H{"archived": true})
|
||
}
|
||
}
|
||
|
||
// CreateWithdrawal 创建提现申请并预扣可提现余额。
|
||
func CreateWithdrawal(client string) gin.HandlerFunc {
|
||
return func(ctx *gin.Context) {
|
||
owner, ok := currentOwner(ctx, client)
|
||
if !ok {
|
||
return
|
||
}
|
||
var request struct {
|
||
BankIdentity string `json:"bank_identity" binding:"required"`
|
||
Amount int64 `json:"amount" binding:"required,gt=0"`
|
||
RequestNo string `json:"request_no" binding:"required"`
|
||
PaymentPassword string `json:"payment_password" binding:"required"`
|
||
Remark string `json:"remark"`
|
||
}
|
||
if ctx.ShouldBindJSON(&request) != nil {
|
||
infra.Response.Error(ctx, errcode.ErrInvalidArgument)
|
||
return
|
||
}
|
||
wallet, err := ensureWallet(impl.DBService, owner)
|
||
if err != nil || !VerifyPaymentPassword(owner.Identity, wallet, request.PaymentPassword) {
|
||
infra.Response.Error(ctx, errcode.ErrPassword)
|
||
return
|
||
}
|
||
var apply models.WalletApplyCash
|
||
err = impl.DBService.Transaction(func(tx *gorm.DB) error {
|
||
var bank models.WalletBank
|
||
if err := tx.Where("identity = ? AND wallet_basic_id = ? AND status = ?", request.BankIdentity, wallet.ID, StatusEnable).First(&bank).Error; err != nil {
|
||
return err
|
||
}
|
||
var createErr error
|
||
apply, _, createErr = CreateReservedWithdrawal(tx, WalletWithdrawalInput{
|
||
WalletBasicID: wallet.ID,
|
||
WalletBankID: bank.ID,
|
||
RequestNo: request.RequestNo,
|
||
CashNo: RecordNo("WD"),
|
||
Amount: request.Amount,
|
||
Channel: "bank",
|
||
Remark: request.Remark,
|
||
OperatorIdentity: owner.Identity,
|
||
})
|
||
return createErr
|
||
})
|
||
if err != nil {
|
||
var existing models.WalletApplyCash
|
||
if impl.DBService.Where("request_no = ? AND wallet_basic_id = ?", request.RequestNo, wallet.ID).First(&existing).Error != nil {
|
||
infra.Response.Error(ctx, err)
|
||
return
|
||
}
|
||
apply = existing
|
||
}
|
||
infra.Response.Success(ctx, ResourceResponse(apply))
|
||
}
|
||
}
|
||
|
||
// ListWithdrawals 返回当前钱包提现申请。
|
||
func ListWithdrawals(client string) gin.HandlerFunc {
|
||
return func(ctx *gin.Context) {
|
||
owner, ok := currentOwner(ctx, client)
|
||
if !ok {
|
||
return
|
||
}
|
||
wallet, err := ensureWallet(impl.DBService, owner)
|
||
if err != nil {
|
||
infra.Response.Error(ctx, err)
|
||
return
|
||
}
|
||
var list []models.WalletApplyCash
|
||
if err := impl.DBService.Where("wallet_basic_id = ?", wallet.ID).Order("created_at desc").Find(&list).Error; err != nil {
|
||
infra.Response.Error(ctx, err)
|
||
return
|
||
}
|
||
infra.Response.Success(ctx, ResourceResponse(list))
|
||
}
|
||
}
|
||
|
||
func walletProof(wallet models.WalletBasic, client, phone, purpose, password, requestIdentity, code string) bool {
|
||
return wallet.PayPasswordHash != "" && bcrypt.CompareHashAndPassword([]byte(wallet.PayPasswordHash), []byte(password)) == nil ||
|
||
VerifyCode(client, phone, purpose, requestIdentity, code)
|
||
}
|
||
|
||
func protectField(value string) (string, string, error) {
|
||
reader := hkdf.New(sha256.New, []byte(config.Spec.Global.FieldEncryptionKey), nil, []byte("heqi-wallet-field-v1"))
|
||
key := make([]byte, 64)
|
||
if _, err := io.ReadFull(reader, key); err != nil {
|
||
return "", "", err
|
||
}
|
||
block, err := aes.NewCipher(key[:32])
|
||
if err != nil {
|
||
return "", "", err
|
||
}
|
||
gcm, err := cipher.NewGCM(block)
|
||
if err != nil {
|
||
return "", "", err
|
||
}
|
||
nonce := make([]byte, gcm.NonceSize())
|
||
if _, err := rand.Read(nonce); err != nil {
|
||
return "", "", err
|
||
}
|
||
sealed := gcm.Seal(nil, nonce, []byte(strings.TrimSpace(value)), nil)
|
||
mac := hmac.New(sha256.New, key[32:])
|
||
_, _ = mac.Write([]byte(strings.TrimSpace(value)))
|
||
return base64.RawStdEncoding.EncodeToString(append(nonce, sealed...)), hex.EncodeToString(mac.Sum(nil)), nil
|
||
}
|