loan/loan-task/src/main/java/com/baibao/loan/task/service/impl/LoanTaskServiceImpl.java

   1 package com.baibao.loan.task.service.impl;
   2
   3 import java.math.BigDecimal;
   4 import java.math.RoundingMode;
   5 import java.text.SimpleDateFormat;
   6 import java.util.ArrayList;
   7 import java.util.Map;
   8
   9 import org.apache.commons.logging.Log;
  10 import org.apache.commons.logging.LogFactory;
  11 import org.springframework.beans.factory.annotation.Autowired;
  12 import org.springframework.beans.factory.annotation.Value;
  13 import org.springframework.stereotype.Service;
  14 import org.springframework.transaction.annotation.Transactional;
  15
  16 import com.baibao.loan.fuyou.data.ChangeCardResponse;
  17 import com.baibao.loan.model.LoanProduct;
  18 import com.baibao.loan.model.PublicOrder;
  19 import com.baibao.loan.model.Repayment;
  20 import com.baibao.loan.model.TenderRecord;
  21 import com.baibao.loan.service.BankCardManager;
  22 import com.baibao.loan.service.LoanProductManager;
  23 import com.baibao.loan.service.ProfitManager;
  24 import com.baibao.loan.service.PublicOrderManager;
  25 import com.baibao.loan.service.RepaymentManager;
  26 import com.baibao.loan.service.TenderRecordManager;
  27 import com.baibao.loan.task.service.LoanTaskService;
  28 import com.baibao.message.data.MessageType;
  29 import com.baibao.message.service.SmsRecordManager;
  30 import com.baibao.option.model.OptionName;
  31 import com.baibao.option.service.OptionManager;
  32 import com.baibao.pay.GetUniqueNoService;
  33 import com.baibao.pay.PayService;
  34 import com.baibao.pay.data.HostingRefundRequest;
  35 import com.baibao.pay.data.HostingRefundResponse;
  36 import com.baibao.user.model.User;
  37 import com.baibao.user.model.UserInfo;
  38 import com.baibao.user.service.UserInfoManager;
  39 import com.baibao.user.service.UserManager;
  40 import com.baibao.utils.HttpHelper;
  41 import com.baibao.utils.JaxbHelper;
  42 import com.baibao.utils.MapBuilder;
  43 import com.baibao.utils.Utils;
  44
  45 import jodd.util.StringUtil;
  46
  47 @Service("loanTaskService")
  48 public class LoanTaskServiceImpl
  49         implements LoanTaskService
  50 {
  51         private static Log log = LogFactory.getLog(LoanTaskServiceImpl.class);
  52
  53         @Autowired
  54         protected RepaymentManager repaymentManager;
  55
  56         @Autowired
  57         protected ProfitManager profitManager;
  58
  59         @Autowired
  60         protected OptionManager optionManager;
  61
  62         @Autowired
  63         protected LoanProductManager loanProductManager;
  64
  65         @Autowired
  66         protected TenderRecordManager tenderRecordManager;
  67
  68         @Autowired
  69         protected PayService payService;
  70
  71         @Autowired
  72         protected PublicOrderManager publicOrderManager;
  73
  74         @Autowired
  75         protected GetUniqueNoService getUniqueNoService;
  76
  77         @Autowired
  78         protected BankCardManager bankCardManager;
  79
  80         @Autowired
  81         protected UserManager userManager;
  82
  83         @Autowired
  84         protected UserInfoManager userInfoManager;
  85
  86         @Autowired
  87         protected SmsRecordManager smsRecordManager;
  88
  89         @Value("${service-tel}")
  90         protected String serviceTel;
  91
  92         @Override
  93         @Transactional
  94         public Repayment processOverdue(Repayment repayment)
  95         {
  96                 //TODO 罚息算法还没定
  97                 long overdueDays =
  98                         Utils.betweenDays(repayment.getRepaymentTime(), Utils.now());
  99
 100                 if (overdueDays <= 0)
 101                         return null;
 102
 103                 double overdueRate = optionManager.getDoubleValue(
 104                         OptionName.OVERDUERATE, 0.005);
 105                 double overdueRate2 = optionManager.getDoubleValue(
 106                         OptionName.OVERDUERATE2, 0.01);
 107                 long overdueDaysLimit = optionManager.getLongValue(
 108                         OptionName.OVERDUEDAYS, 30l);
 109
 110                 BigDecimal total =
 111                         repayment.getInterest().add(repayment.getCapital());
 112
 113                 repayment.setOverDueDays(overdueDays);
 114
 115                 long overdueDays1 = 0, overdueDays2 = 0;
 116
 117                 if (overdueDays > overdueDaysLimit)
 118                 {
 119                         overdueDays1 = overdueDaysLimit;
 120                         overdueDays2 = overdueDays - overdueDaysLimit;
 121                 } else
 122                 {
 123                         overdueDays1 = overdueDays;
 124                         overdueDays2 = 0l;
 125                 }
 126
 127                 BigDecimal overDueAmount1 = total
 128                         .multiply(new BigDecimal(overdueRate))
 129                         .multiply(new BigDecimal(overdueDays1));
 130
 131                 BigDecimal overDueAmount2 = total
 132                         .multiply(new BigDecimal(overdueRate))
 133                         .multiply(new BigDecimal(overdueDays2));
 134
 135                 BigDecimal overDueAmount =
 136                         overDueAmount1.add(overDueAmount2)
 137                                 .setScale(2, RoundingMode.HALF_UP);
 138
 139                 repayment.setOverDueAmount(overDueAmount);
 140
 141                 repayment.setPrincipal(
 142                         overDueAmount.add(total).add(
 143                                 repayment.getOverDuePunishScore() != null?
 144                                         repayment.getOverDuePunishScore():
 145                                         new BigDecimal(0)));
 146
 147                 repayment.setStatus(Repayment.Status.overDue.getCode());
 148
 149                 repaymentManager.save(repayment);
 150
 151                 return repayment;
 152         }
 153
 154         @Override
 155         @Transactional
 156         public LoanProduct processCancelProduct(LoanProduct loanProduct)
 157         {
 158                 loanProduct.setStatus(LoanProduct.Status.cancel.getCode());
 159
 160                 loanProductManager.save(loanProduct);
 161
 162                 return loanProduct;
 163         }
 164
 165         @Override
 166         @Transactional
 167         public TenderRecord returnTender(TenderRecord tender)
 168         {
 169                 if (TenderRecord.TradeStatus.success !=
 170                                 TenderRecord.TradeStatus.valueOf(tender.getStatus()))
 171                         return tender;
 172
 173                 //todo: 记录
 174
 175                 {//退款
 176                         HostingRefundRequest request = new HostingRefundRequest();
 177
 178                         request.setReason(HostingRefundRequest.Reason.cancelMark);
 179                         request.setAccountId(tender.getAccountNo());
 180                         request.setAmount(
 181                                 (long) (tender.getAmount().doubleValue() * 100));
 182                         request.setOrgiTradeNo(tender.getResponseNo());
 183
 184                         HostingRefundResponse response =
 185                                 payService.hostingRefund(request);
 186                         if (!response.isOk())
 187                                 return tender;
 188                 }
 189
 190                 tender.setStatus(TenderRecord.TradeStatus.cancel.getCode());
 191                 tender.setTransTime(Utils.now());
 192
 193                 tenderRecordManager.save(tender);
 194
 195                 return tender;
 196         }
 197
 198         @Override
 199         @Transactional
 200         public PublicOrder processPublicOrder(PublicOrder order)
 201         {
 202                 if (StringUtil.isBlank(order.getBussType()))
 203                         return order;
 204
 205                 Integer bussType = Integer.parseInt(order.getBussType());
 206
 207                 log.info(String.format("public order: %d %s",
 208                         bussType, order.getBussDesc()));
 209
 210                 if (PublicOrder.BussType.recharge.getCode() == bussType)
 211                 {
 212                         order.setStatus(PublicOrder.Status.failed.getCode());
 213
 214                         publicOrderManager.save(order);
 215                 } else
 216                 if (PublicOrder.BussType.withdraw.getCode() == bussType)
 217                 {
 218                         order.setStatus(PublicOrder.Status.failed.getCode());
 219
 220                         publicOrderManager.save(order);
 221                 } else
 222                 if (PublicOrder.BussType.other.getCode() == bussType)
 223                 {
 224                         if ("redirect.modifyCard".equals(order.getBussDesc()))
 225                         {
 226                                 Map<String, String> params =
 227                                         new MapBuilder<String, String>()
 228                                                 .append("mchnt_cd", payService.getMerchantId())
 229                                                 .append("mchnt_txn_ssn", getUniqueNoService.getCommTransFlow())
 230                                                 .append("login_id", order.getCustNo())
 231                                                 .append("txn_ssn", order.getFlowNo())
 232                                                 .toMap();
 233
 234                                 params.put("signature", payService.signature(new String[] {
 235                                         params.get("login_id"),
 236                                         params.get("mchnt_cd"),
 237                                         params.get("mchnt_txn_ssn"),
 238                                         params.get("txn_ssn")
 239                                 }));
 240
 241                                 String url = payService.getUrl("/jzh/queryChangeCard.action");
 242
 243                                 try
 244                                 {
 245                                         String result = HttpHelper.sendGet(url, params);
 246
 247                                         ChangeCardResponse response =
 248                                                 JaxbHelper.convert(result, ChangeCardResponse.class);
 249
 250                                         ChangeCardResponse.Plain plain = response.getPlain();
 251
 252                                         if (plain.getExamine_st().equals("1"))
 253                                         {
 254                                                 order.setStatus(PublicOrder.Status.success.getCode());
 255
 256                                                 bankCardManager.updateBankCard(
 257                                                         plain.getLogin_id(),
 258                                                         plain.getBank_nm(), plain.getCard_no());
 259                                         } else
 260                                         if (response.getPlain().getExamine_st().equals("2"))
 261                                         {
 262                                                 order.setStatus(PublicOrder.Status.failed.getCode());
 263                                         }
 264
 265                                         publicOrderManager.save(order);
 266                                 } catch(Exception e)
 267                                 {
 268                                         log.error("error", e);
 269                                 }
 270
 271                         } else
 272                         if ("redirect.modifyPassword".equals(order.getBussDesc()))
 273                         {
 274                                 order.setStatus(PublicOrder.Status.success.getCode());
 275
 276                                 publicOrderManager.save(order);
 277                         } else
 278                         if ("redirect.modifyPhone".equals(order.getBussDesc()))
 279                         {
 280                                 order.setStatus(PublicOrder.Status.success.getCode());
 281
 282                                 publicOrderManager.save(order);
 283                         }
 284                 }
 285
 286                 return null;
 287         }
 288
 289         @Override
 290         public Repayment sendSmsRepayment(Repayment repayment)
 291         {
 292                 SimpleDateFormat format = new SimpleDateFormat("yyyy-MM-dd");
 293
 294                 User user = userManager.findByCustNo(repayment.getCustNo());
 295                 UserInfo userInfo =
 296                         userInfoManager.findByCustNo(repayment.getCustNo());
 297
 298                 if (repayment.getStatus() ==
 299                                 Repayment.Status.overDue.getCode())
 300                 {
 301                         smsRecordManager.sendSms(
 302                                 MessageType.REPAY3, user.getMobile(),
 303                                 new MapBuilder<String, Object>()
 304                                         .append("#name#", userInfo.getRealName())
 305                                         .append("#total#", repayment.getPrincipal())
 306                                         .append("#repaymentAmount#",
 307                                                 repayment.getCapital().add(repayment.getInterest()))
 308                                         .append("#overdueDays#", repayment.getOverDueDays())
 309                                         .append("#overdueFee#", repayment.getOverDueAmount())
 310                                         .append("#telephone#", serviceTel)
 311                                         .toMap());
 312
 313                         //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 314                         //已逾期#overdueDays#天，逾期罚息共#overdueFee#元，
 315                         //请您积极筹措资金，尽快归还。如有疑问请你致电#telephone#
 316                 } else
 317                 {
 318                         int days =
 319                                 Utils.betweenDays(
 320                                         repayment.getRepaymentTime(), Utils.now());
 321
 322                         if (days == 7 || days == 3)
 323                         {
 324                                 smsRecordManager.sendSms(
 325                                         MessageType.REPAY1, user.getMobile(),
 326                                         new MapBuilder<String, Object>()
 327                                                 .append("#name#", userInfo.getRealName())
 328                                                 .append("#repaymentAmount#",
 329                                                         repayment.getCapital().add(repayment.getInterest()))
 330                                                 .append("#repaymentDate#",
 331                                                         format.format(repayment.getRepaymentTime()))
 332                                                 .append("#day#", days)
 333                                                 .append("#telephone#", serviceTel)
 334                                                 .toMap());
 335
 336                                 //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 337                                 //距离还款日#repaymentDate#还有#day#天，请您及时还款，
 338                                 //以免发生逾期，如有疑问请你致电#telephone#
 339                         } else
 340                         if (days == 0)
 341                         {
 342                                 smsRecordManager.sendSms(
 343                                         MessageType.REPAY2, user.getMobile(),
 344                                         new MapBuilder<String, Object>()
 345                                                 .append("#name#", userInfo.getRealName())
 346                                                 .append("#repaymentAmount#",
 347                                                         repayment.getCapital().add(repayment.getInterest()))
 348                                                 .append("#telephone#", serviceTel)
 349                                                 .toMap());
 350
 351                                 //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 352                                 //请您本日24点之前还款完成，以免发生逾期，
 353                                 //如有疑问请你致电#telephone#
 354                         }
 355                 }
 356
 357                 return repayment;
 358         }
 359 }