需求
放款成功后，会生成借款人的还款计划与出借人的回款计划，然后借款人按照还款计划日期操作还款即可。
参考《汇付宝商户账户技术文档》3.14还款扣款，处理业务即可
一、前端整合
1、还款按钮
pages/lend/_id.vue
<td> <a href="javascript:" @click="commitReturn(lendReturn.id)"> {{ lendReturn.status === 0 ? '还款' : '' }} </a> </td>
2、脚本
pages/lend/_id.vue
commitReturn(lendReturnId) { this.$alert( '<div style="size: 18px;color: red;">您即将前往汇付宝确认还款</div>', '前往汇付宝资金托管平台', { dangerouslyUseHTMLString: true, confirmButtonText: '立即前往', callback: (action) => { if (action === 'confirm') { this.$axios .$post('/api/core/lendReturn/auth/commitReturn/' + lendReturnId) .then((response) => { document.write(response.data.formStr) }) } }, } )
二、还款接口
1、Controller
LendReturnController
@ApiOperation("用户还款") @PostMapping("/auth/commitReturn/{lendReturnId}") public R commitReturn( @ApiParam(value = "还款计划id", required = true) @PathVariable Long lendReturnId, HttpServletRequest request) { String token = request.getHeader("token"); Long userId = JwtUtils.getUserId(token); String formStr = lendReturnService.commitReturn(lendReturnId, userId); return R.ok().data("formStr", formStr); }
2、Service
接口：LendReturnService
String commitReturn(Long lendReturnId, Long userId);
实现：LendReturnServiceImpl
@Resource private UserAccountService userAccountService; @Resource private LendMapper lendMapper; @Resource private UserBindService userBindService; @Resource private LendItemReturnService lendItemReturnService; @Transactional(rollbackFor = Exception.class) @Override public String commitReturn(Long lendReturnId, Long userId) { //获取还款记录 LendReturn lendReturn = baseMapper.selectById(lendReturnId); //判断账号余额是否充足 BigDecimal amount = userAccountService.getAccount(userId); Assert.isTrue(amount.doubleValue() >= lendReturn.getTotal().doubleValue(), ResponseEnum.NOT_SUFFICIENT_FUNDS_ERROR); //获取借款人code String bindCode = userBindService.getBindCodeByUserId(userId); //获取lend Long lendId = lendReturn.getLendId(); Lend lend = lendMapper.selectById(lendId); Map<String, Object> paramMap = new HashMap<>(); paramMap.put("agentId", HfbConst.AGENT_ID); //商户商品名称 paramMap.put("agentGoodsName", lend.getTitle()); //批次号 paramMap.put("agentBatchNo",lendReturn.getReturnNo()); //还款人绑定协议号 paramMap.put("fromBindCode", bindCode); //还款总额 paramMap.put("totalAmt", lendReturn.getTotal()); paramMap.put("note", ""); //还款明细 List<Map<String, Object>> lendItemReturnDetailList = lendItemReturnService.addReturnDetail(lendReturnId); paramMap.put("data", JSONObject.toJSONString(lendItemReturnDetailList)); paramMap.put("voteFeeAmt", new BigDecimal(0)); paramMap.put("notifyUrl", HfbConst.BORROW_RETURN_NOTIFY_URL); paramMap.put("returnUrl", HfbConst.BORROW_RETURN_RETURN_URL); paramMap.put("timestamp", RequestHelper.getTimestamp()); String sign = RequestHelper.getSign(paramMap); paramMap.put("sign", sign); //构建自动提交表单 String formStr = FormHelper.buildForm(HfbConst.BORROW_RETURN_URL, paramMap); return formStr; }
3、还款明细Service
根据还款id获取回款列表
LendReturnService接口：
List<Map<String, Object>> addReturnDetail(Long lendReturnId);
LendReturnServiceImpl实现：
@Resource private UserBindService userBindService; @Resource private LendItemMapper lendItemMapper; @Resource private LendMapper lendMapper; @Resource private LendReturnMapper lendReturnMapper; /** * 添加还款明细 * @param lendReturnId */ @Override public List<Map<String, Object>> addReturnDetail(Long lendReturnId) { //获取还款记录 LendReturn lendReturn = lendReturnMapper.selectById(lendReturnId); //获取标的信息 Lend lend = lendMapper.selectById(lendReturn.getLendId()); //根据还款id获取回款列表 List<LendItemReturn> lendItemReturnList = this.selectLendItemReturnList(lendReturnId); List<Map<String, Object>> lendItemReturnDetailList = new ArrayList<>(); for(LendItemReturn lendItemReturn : lendItemReturnList) { LendItem lendItem = lendItemMapper.selectById(lendItemReturn.getLendItemId()); String bindCode = userBindService.getBindCodeByUserId(lendItem.getInvestUserId()); Map<String, Object> map = new HashMap<>(); //项目编号 map.put("agentProjectCode", lend.getLendNo()); //出借编号 map.put("voteBillNo", lendItem.getLendItemNo()); //收款人（出借人） map.put("toBindCode", bindCode); //还款金额 map.put("transitAmt", lendItemReturn.getTotal()); //还款本金 map.put("baseAmt", lendItemReturn.getPrincipal()); //还款利息 map.put("benifitAmt", lendItemReturn.getInterest()); //商户手续费 map.put("feeAmt", new BigDecimal("0")); lendItemReturnDetailList.add(map); } return lendItemReturnDetailList; }
根据还款计划id获取对应的回款计划列表
接口：
List<LendItemReturn> selectLendItemReturnList(Long lendReturnId);
实现：
@Override public List<LendItemReturn> selectLendItemReturnList(Long lendReturnId) { QueryWrapper<LendItemReturn> queryWrapper = new QueryWrapper<>(); queryWrapper.eq("lend_return_id", lendReturnId); List<LendItemReturn> lendItemReturnList = baseMapper.selectList(queryWrapper); return lendItemReturnList; }
三、回调接口
1、Controller
LendReturnController
@ApiOperation("还款异步回调") @PostMapping("/notifyUrl") public String notifyUrl(HttpServletRequest request) { Map<String, Object> paramMap = RequestHelper.switchMap(request.getParameterMap()); log.info("还款异步回调：" + JSON.toJSONString(paramMap)); //校验签名 if(RequestHelper.isSignEquals(paramMap)) { if("0001".equals(paramMap.get("resultCode"))) { lendReturnService.notify(paramMap); } else { log.info("还款异步回调失败：" + JSON.toJSONString(paramMap)); return "fail"; } } else { log.info("还款异步回调签名错误：" + JSON.toJSONString(paramMap)); return "fail"; } return "success"; }
2、Service
接口：LendReturnService
void notify(Map<String, Object> paramMap);
实现：LendReturnServiceImpl
@Resource private TransFlowService transFlowService; @Resource private UserAccountMapper userAccountMapper; @Resource private LendItemReturnMapper lendItemReturnMapper; @Resource private LendItemMapper lendItemMapper; @Transactional(rollbackFor = Exception.class) @Override public void notify(Map<String, Object> paramMap) { log.info("还款成功"); //还款编号 String agentBatchNo = (String)paramMap.get("agentBatchNo"); boolean result = transFlowService.isSaveTransFlow(agentBatchNo); if(result){ log.warn("幂等性返回"); return; } //获取还款数据 String voteFeeAmt = (String)paramMap.get("voteFeeAmt"); QueryWrapper lendReturnQueryWrapper = new QueryWrapper<LendReturn>(); lendReturnQueryWrapper.eq("return_no", agentBatchNo); LendReturn lendReturn = baseMapper.selectOne(lendReturnQueryWrapper);; //更新还款状态 lendReturn.setStatus(1); lendReturn.setFee(new BigDecimal(voteFeeAmt)); lendReturn.setRealReturnTime(LocalDateTime.now()); baseMapper.updateById(lendReturn); //更新标的信息 Lend lend = lendMapper.selectById(lendReturn.getLendId()); //最后一次还款更新标的状态 if(lendReturn.getLast()) { lend.setStatus(LendStatusEnum.PAY_OK.getStatus()); lendMapper.updateById(lend); } //借款账号转出金额 BigDecimal totalAmt = new BigDecimal((String)paramMap.get("totalAmt"));//还款金额 String bindCode = userBindService.getBindCodeByUserId(lend.getUserId()); userAccountMapper.updateAccount(bindCode, totalAmt.negate(), new BigDecimal(0)); //借款人交易流水 TransFlowBO transFlowBO = new TransFlowBO( agentBatchNo, bindCode, totalAmt, TransTypeEnum.RETURN_DOWN, "借款人还款扣减，项目编号：" + lend.getLendNo() + "，项目名称：" + lend.getTitle()); transFlowService.saveTransFlow(transFlowBO); //获取回款明细 List<LendItemReturn> lendItemReturnList = lendItemReturnService.selectLendItemReturnList(lendReturn.getId()); lendItemReturnList.forEach(item -> { //更新回款状态 item.setStatus(1); item.setRealReturnTime(LocalDateTime.now()); lendItemReturnMapper.updateById(item); //更新出借信息 LendItem lendItem = lendItemMapper.selectById(item.getLendItemId()); lendItem.setRealAmount(item.getInterest()); lendItemMapper.updateById(lendItem); //投资账号转入金额 String investBindCode = userBindService.getBindCodeByUserId(item.getInvestUserId()); userAccountMapper.updateAccount(investBindCode, item.getTotal(), new BigDecimal(0)); //投资账号交易流水 TransFlowBO investTransFlowBO = new TransFlowBO( LendNoUtils.getReturnItemNo(), investBindCode, item.getTotal(), TransTypeEnum.INVEST_BACK, "还款到账，项目编号：" + lend.getLendNo() + "，项目名称：" + lend.getTitle()); transFlowService.saveTransFlow(investTransFlowBO); }); }
