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                 long overdueDays =
  97                         Utils.betweenDays(repayment.getRepaymentTime(), Utils.now());
  98
  99                 if (overdueDays <= 0)
 100                         return null;
 101
 102                 double overdueRate = optionManager.getDoubleValue(
 103                         OptionName.OVERDUERATE, 0.005);
 104                 double overdueRate2 = optionManager.getDoubleValue(
 105                         OptionName.OVERDUERATE2, 0.01);
 106                 long overdueDaysLimit = optionManager.getLongValue(
 107                         OptionName.OVERDUEDAYS, 30l);
 108
 109                 BigDecimal total =
 110                         repayment.getInterest().add(repayment.getCapital());
 111
 112                 repayment.setOverDueDays(overdueDays);
 113
 114                 long overdueDays1 = 0, overdueDays2 = 0;
 115
 116                 if (overdueDays > overdueDaysLimit)
 117                 {
 118                         overdueDays1 = overdueDaysLimit;
 119                         overdueDays2 = overdueDays - overdueDaysLimit;
 120                 } else
 121                 {
 122                         overdueDays1 = overdueDays;
 123                         overdueDays2 = 0l;
 124                 }
 125
 126                 BigDecimal overDueAmount1 = total
 127                         .multiply(new BigDecimal(overdueRate))
 128                         .multiply(new BigDecimal(overdueDays1));
 129
 130                 BigDecimal overDueAmount2 = total
 131                         .multiply(new BigDecimal(overdueRate2))
 132                         .multiply(new BigDecimal(overdueDays2));
 133
 134                 BigDecimal overDueAmount =
 135                         overDueAmount1.add(overDueAmount2)
 136                                 .setScale(2, RoundingMode.HALF_UP);
 137
 138                 repayment.setOverDueAmount(overDueAmount);
 139
 140                 repayment.setPrincipal(
 141                         overDueAmount.add(total).add(
 142                                 repayment.getOverDuePunishScore() != null?
 143                                         repayment.getOverDuePunishScore():
 144                                         new BigDecimal(0)));
 145
 146                 repayment.setStatus(Repayment.Status.overDue.getCode());
 147
 148                 repaymentManager.save(repayment);
 149
 150                 return repayment;
 151         }
 152
 153         @Override
 154         @Transactional
 155         public LoanProduct processCancelProduct(LoanProduct loanProduct)
 156         {
 157                 loanProduct.setStatus(LoanProduct.Status.cancel.getCode());
 158
 159                 loanProductManager.save(loanProduct);
 160
 161                 return loanProduct;
 162         }
 163
 164         @Override
 165         @Transactional
 166         public TenderRecord returnTender(TenderRecord tender)
 167         {
 168                 if (TenderRecord.TradeStatus.success !=
 169                                 TenderRecord.TradeStatus.valueOf(tender.getStatus()))
 170                         return tender;
 171
 172                 //todo: 记录
 173
 174                 {//退款
 175                         HostingRefundRequest request = new HostingRefundRequest();
 176
 177                         request.setReason(HostingRefundRequest.Reason.cancelMark);
 178                         request.setAccountId(tender.getAccountNo());
 179                         request.setAmount(
 180                                 (long) (tender.getAmount().doubleValue() * 100));
 181                         request.setOrgiTradeNo(tender.getResponseNo());
 182
 183                         HostingRefundResponse response =
 184                                 payService.hostingRefund(request);
 185                         if (!response.isOk())
 186                                 return tender;
 187                 }
 188
 189                 tender.setStatus(TenderRecord.TradeStatus.cancel.getCode());
 190                 tender.setTransTime(Utils.now());
 191
 192                 tenderRecordManager.save(tender);
 193
 194                 return tender;
 195         }
 196
 197         @Override
 198         @Transactional
 199         public PublicOrder processPublicOrder(PublicOrder order)
 200         {
 201                 if (StringUtil.isBlank(order.getBussType()))
 202                         return order;
 203
 204                 Integer bussType = Integer.parseInt(order.getBussType());
 205
 206                 log.info(String.format("public order: %d %s",
 207                         bussType, order.getBussDesc()));
 208
 209                 if (PublicOrder.BussType.recharge.getCode() == bussType)
 210                 {
 211                         order.setStatus(PublicOrder.Status.failed.getCode());
 212
 213                         publicOrderManager.save(order);
 214                 } else
 215                 if (PublicOrder.BussType.withdraw.getCode() == bussType)
 216                 {
 217                         order.setStatus(PublicOrder.Status.failed.getCode());
 218
 219                         publicOrderManager.save(order);
 220                 } else
 221                 if (PublicOrder.BussType.other.getCode() == bussType)
 222                 {
 223                         if ("redirect.modifyCard".equals(order.getBussDesc()))
 224                         {
 225                                 Map<String, String> params =
 226                                         new MapBuilder<String, String>()
 227                                                 .append("mchnt_cd", payService.getMerchantId())
 228                                                 .append("mchnt_txn_ssn", getUniqueNoService.getCommTransFlow())
 229                                                 .append("login_id", order.getCustNo())
 230                                                 .append("txn_ssn", order.getFlowNo())
 231                                                 .toMap();
 232
 233                                 params.put("signature", payService.signature(new String[] {
 234                                         params.get("login_id"),
 235                                         params.get("mchnt_cd"),
 236                                         params.get("mchnt_txn_ssn"),
 237                                         params.get("txn_ssn")
 238                                 }));
 239
 240                                 String url = payService.getUrl("/jzh/queryChangeCard.action");
 241
 242                                 try
 243                                 {
 244                                         String result = HttpHelper.sendGet(url, params);
 245
 246                                         ChangeCardResponse response =
 247                                                 JaxbHelper.convert(result, ChangeCardResponse.class);
 248
 249                                         ChangeCardResponse.Plain plain = response.getPlain();
 250
 251                                         if (plain.getExamine_st().equals("1"))
 252                                         {
 253                                                 order.setStatus(PublicOrder.Status.success.getCode());
 254
 255                                                 bankCardManager.updateBankCard(
 256                                                         plain.getLogin_id(),
 257                                                         plain.getBank_nm(), plain.getCard_no());
 258                                         } else
 259                                         if (response.getPlain().getExamine_st().equals("2"))
 260                                         {
 261                                                 order.setStatus(PublicOrder.Status.failed.getCode());
 262                                         }
 263
 264                                         publicOrderManager.save(order);
 265                                 } catch(Exception e)
 266                                 {
 267                                         log.error("error", e);
 268                                 }
 269
 270                         } else
 271                         if ("redirect.modifyPassword".equals(order.getBussDesc()))
 272                         {
 273                                 order.setStatus(PublicOrder.Status.success.getCode());
 274
 275                                 publicOrderManager.save(order);
 276                         } else
 277                         if ("redirect.modifyPhone".equals(order.getBussDesc()))
 278                         {
 279                                 order.setStatus(PublicOrder.Status.success.getCode());
 280
 281                                 publicOrderManager.save(order);
 282                         }
 283                 }
 284
 285                 return null;
 286         }
 287
 288         @Override
 289         public Repayment sendSmsRepayment(Repayment repayment)
 290         {
 291                 SimpleDateFormat format = new SimpleDateFormat("yyyy-MM-dd");
 292
 293                 User user = userManager.findByCustNo(repayment.getCustNo());
 294                 UserInfo userInfo =
 295                         userInfoManager.findByCustNo(repayment.getCustNo());
 296
 297                 if (repayment.getStatus() ==
 298                                 Repayment.Status.overDue.getCode())
 299                 {
 300                         smsRecordManager.sendSms(
 301                                 MessageType.REPAY3, user.getMobile(),
 302                                 new MapBuilder<String, Object>()
 303                                         .append("#name#", userInfo.getRealName())
 304                                         .append("#total#", repayment.getPrincipal())
 305                                         .append("#repaymentAmount#",
 306                                                 repayment.getCapital().add(repayment.getInterest()))
 307                                         .append("#overdueDays#", repayment.getOverDueDays())
 308                                         .append("#overdueFee#", repayment.getOverDueAmount())
 309                                         .append("#telephone#", serviceTel)
 310                                         .toMap());
 311
 312                         //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 313                         //已逾期#overdueDays#天，逾期罚息共#overdueFee#元，
 314                         //请您积极筹措资金，尽快归还。如有疑问请你致电#telephone#
 315                 } else
 316                 {
 317                         int days =
 318                                 Utils.betweenDays(
 319                                         repayment.getRepaymentTime(), Utils.now());
 320
 321                         if (days == 7 || days == 3)
 322                         {
 323                                 smsRecordManager.sendSms(
 324                                         MessageType.REPAY1, user.getMobile(),
 325                                         new MapBuilder<String, Object>()
 326                                                 .append("#name#", userInfo.getRealName())
 327                                                 .append("#repaymentAmount#",
 328                                                         repayment.getCapital().add(repayment.getInterest()))
 329                                                 .append("#repaymentDate#",
 330                                                         format.format(repayment.getRepaymentTime()))
 331                                                 .append("#day#", days)
 332                                                 .append("#telephone#", serviceTel)
 333                                                 .toMap());
 334
 335                                 //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 336                                 //距离还款日#repaymentDate#还有#day#天，请您及时还款，
 337                                 //以免发生逾期，如有疑问请你致电#telephone#
 338                         } else
 339                         if (days == 0)
 340                         {
 341                                 smsRecordManager.sendSms(
 342                                         MessageType.REPAY2, user.getMobile(),
 343                                         new MapBuilder<String, Object>()
 344                                                 .append("#name#", userInfo.getRealName())
 345                                                 .append("#repaymentAmount#",
 346                                                         repayment.getCapital().add(repayment.getInterest()))
 347                                                 .append("#telephone#", serviceTel)
 348                                                 .toMap());
 349
 350                                 //【佰宝金服】亲爱的用户#name#，您在佰宝金服本期应还款#repaymentAmount#元，
 351                                 //请您本日24点之前还款完成，以免发生逾期，
 352                                 //如有疑问请你致电#telephone#
 353                         }
 354                 }
 355
 356                 return repayment;
 357         }
 358 }