update 优化汇付结算账户一致性

2026-07-18 21:18:01 +08:00 · 2026-07-16 13:32:43 +08:00
parent b4731d3e85
commit 345a6efb37
10 changed files with 138 additions and 68 deletions
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/response/QueryMemberResponse.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/response/QueryMemberResponse.java
@@ -59,5 +59,8 @@ public class QueryMemberResponse extends AdapayBaseResponse{
        private String bank_acct_type;
        private String prov_code;
        private String card_id;
+        private String min_amt;
+        private String remained_amt;
+        private String channel_remark;
    }
 }
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
@@ -327,8 +327,11 @@ public class AdapayService {
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
        SettleAccountDTO request = buildSettleAccountDTO(dto);
        Map<String, Object> settleCount = createSettleAccountRequest(request, adapayMemberAccount.getAdapayMemberId(), wechatAppId);
-        if (settleCount == null || StringUtils.equals((String) settleCount.get("status"), "failed")) {
-            String errorMsg = settleCount == null ? "创建汇付结算账户失败" : (String) settleCount.get("error_msg");
+        if (settleCount == null
+                || !AdapayStatusEnum.SUCCEEDED.getValue().equals(settleCount.get("status"))
+                || StringUtils.isBlank((String) settleCount.get("id"))) {
+            String errorMsg = settleCount == null ? null : (String) settleCount.get("error_msg");
+            errorMsg = StringUtils.isNotBlank(errorMsg) ? errorMsg : "创建汇付结算账户失败";
            throw new BusinessException("00500001", errorMsg);
        }

@@ -348,13 +351,7 @@ public class AdapayService {
            return Lists.newArrayList();
        }
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(merchantId);
-        String settleAccountId = adapayMemberAccount.getSettleAccountId();
-        if (StringUtils.isBlank(settleAccountId) && isCorpMember(adapayMemberAccount.getAdapayMemberId())) {
-            AdapayCorpMemberVO corpMemberVO = queryCorpAdapayMemberInfo(adapayMemberAccount.getAdapayMemberId(), wechatAppId);
-            if (corpMemberVO != null) {
-                settleAccountId = corpMemberVO.getSettleAccountId();
-            }
-        }
+        String settleAccountId = resolveSettleAccountId(adapayMemberAccount, wechatAppId);
        AdapaySettleAccountVO adapaySettleAccountVO = queryAdapaySettleAccount(adapayMemberAccount.getAdapayMemberId(), settleAccountId, wechatAppId);
        if (adapaySettleAccountVO == null) {
            return Lists.newArrayList();
@@ -363,6 +360,35 @@ public class AdapayService {
        return Lists.newArrayList(adapaySettleAccountVO);
    }

+    private String resolveSettleAccountId(AdapayMemberAccount account, String wechatAppId) throws BaseAdaPayException {
+        if (StringUtils.isNotBlank(account.getSettleAccountId())) {
+            return account.getSettleAccountId();
+        }
+
+        String settleAccountId = null;
+        if (isPersonalMember(account.getAdapayMemberId())) {
+            AdapayMemberInfoVO memberInfo = queryAdapayMemberInfo(account.getAdapayMemberId(), wechatAppId);
+            if (memberInfo != null) {
+                settleAccountId = memberInfo.getSettleAccountId();
+            }
+        } else {
+            AdapayCorpMemberVO corpMember = queryCorpAdapayMemberInfo(account.getAdapayMemberId(), wechatAppId);
+            if (corpMember != null) {
+                settleAccountId = corpMember.getSettleAccountId();
+            }
+        }
+
+        if (StringUtils.isNotBlank(settleAccountId)) {
+            AdapayMemberAccount updateRecord = new AdapayMemberAccount();
+            updateRecord.setMerchantId(account.getMerchantId());
+            updateRecord.setAdapayMemberId(account.getAdapayMemberId());
+            updateRecord.setSettleAccountId(settleAccountId);
+            adapayMemberAccountService.updateAdapayMemberAccountByMemberId(updateRecord);
+            account.setSettleAccountId(settleAccountId);
+        }
+        return settleAccountId;
+    }
+
    /**
     * 创建汇付会员
     *
@@ -501,12 +527,21 @@ public class AdapayService {
        }

        QueryMemberResponse queryMemberResponse = JSON.parseObject(JSON.toJSONString(member), QueryMemberResponse.class);
+        String settleAccountId = null;
+        if (CollectionUtils.isNotEmpty(queryMemberResponse.getSettle_accounts())) {
+            settleAccountId = queryMemberResponse.getSettle_accounts().stream()
+                    .map(QueryMemberResponse.SettleAccount::getId)
+                    .filter(StringUtils::isNotBlank)
+                    .findFirst()
+                    .orElse(null);
+        }
        AdapayMemberInfoVO resultVO = AdapayMemberInfoVO.builder()
                .memberId(adapayMemberId)
                .nickname(queryMemberResponse.getNickname())
                .gender(queryMemberResponse.getGender())
                .email(queryMemberResponse.getEmail())
                .location(queryMemberResponse.getLocation())
+                .settleAccountId(settleAccountId)
                .build();
        return resultVO;
    }
@@ -686,6 +721,9 @@ public class AdapayService {
                .bankAcctType(accountInfo.getBank_acct_type())
                .provCode(accountInfo.getProv_code())
                .areaCode(accountInfo.getArea_code())
+                .minAmt(accountInfo.getMin_amt())
+                .remainedAmt(accountInfo.getRemained_amt())
+                .channelRemark(accountInfo.getChannel_remark())
                .build();
        return resultVO;
    }
@@ -776,6 +814,7 @@ public class AdapayService {
     * @throws BaseAdaPayException
     */
    public void updateSettleAccountConfig(UpdateAccountConfigDTO dto) throws BaseAdaPayException {
+        assertActionAllowed(dto.getMerchantId(), AdapayOpenActionEnum.UPDATE_SETTLE_ACCOUNT_CONFIG);
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
        // 获取汇付支付配置
        AbstractAdapayConfig config = AdapayConfigFactory.getConfig(wechatAppId);
@@ -784,16 +823,19 @@ public class AdapayService {
        }

        // 通过merchantId 查询出汇付会员id 和 结算账户id，用来查询余额
-        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectByMerchantId(dto.getMerchantId());
-        if (adapayMemberAccount == null) {
-            log.error("通过merchantId:{}, 没有查询到结算账户配置", dto.getMerchantId());
-            return;
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
+        String settleAccountId = resolveSettleAccountId(adapayMemberAccount, wechatAppId);
+        if (StringUtils.isBlank(settleAccountId)) {
+            throw new BusinessException("", "未查询到结算账户");
+        }
+        if (StringUtils.isAllBlank(dto.getMinAmt(), dto.getRemainedAmt(), dto.getChannelRemark())) {
+            throw new BusinessException("", "结算起始金额、结算留存金额和结算摘要至少填写一项");
        }
        // 修改账户配置
        Map<String, Object> params = Maps.newHashMap();
        params.put("app_id", config.getAdapayAppId());
        params.put("member_id", adapayMemberAccount.getAdapayMemberId());
-        params.put("settle_account_id", adapayMemberAccount.getSettleAccountId());
+        params.put("settle_account_id", settleAccountId);
        if (StringUtils.isNotBlank(dto.getMinAmt())) {
            params.put("min_amt", dto.getMinAmt());
        }
@@ -803,8 +845,13 @@ public class AdapayService {
        if (StringUtils.isNotBlank(dto.getChannelRemark())) {
            params.put("channel_remark", dto.getChannelRemark());
        }
-        Map<String, Object> settleCount = SettleAccount.update(params);
+        Map<String, Object> settleCount = SettleAccount.modify(params, config.getWechatAppId());
        log.info("更新结算账户设置 param:{}, result:{}", JSON.toJSONString(params), JSON.toJSONString(settleCount));
+        if (settleCount == null
+                || !AdapayStatusEnum.SUCCEEDED.getValue().equals(settleCount.get("status"))) {
+            String errorMsg = settleCount == null ? null : (String) settleCount.get("error_msg");
+            throw new BusinessException("", StringUtils.isNotBlank(errorMsg) ? errorMsg : "修改汇付结算配置失败");
+        }
    }

    /**
@@ -1683,38 +1730,20 @@ public class AdapayService {
     * 用户需要换绑银行卡 1-删除结算账户信息，2-使用新账户信息创建结算账户】
     */
    public void changeBankCard(ChangeBankCardDTO dto) throws BaseAdaPayException {
-        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
-        // 获取汇付支会员信息
-        AdapayMemberAccount account = adapayMemberAccountService.selectByMerchantId(dto.getMerchantId());
-        if (account == null) {
-            return;
-        }
-
-        // 1-删除结算账户信息
-        String adapayMemberId = account.getAdapayMemberId();
-        String settleAccountId = null;
-        AdapayCorpMemberVO adapayCorpMemberVO = this.queryCorpAdapayMemberInfo(adapayMemberId, wechatAppId);
-        if (adapayCorpMemberVO != null) {
-            settleAccountId = adapayCorpMemberVO.getSettleAccountId();
-        }
-        this.createDeleteSettleAccountRequest(adapayMemberId, settleAccountId, wechatAppId);
-        // 2-使用新账户信息创建结算账户
-        SettleAccountDTO settleAccountDTO = new SettleAccountDTO();
-        settleAccountDTO.setCardId(dto.getCardId());
-        settleAccountDTO.setCardName(dto.getCardName());
-        settleAccountDTO.setTelNo(dto.getTelNo());
-        settleAccountDTO.setBankCode(dto.getBankCode());
-        settleAccountDTO.setBankAcctType(dto.getBankAcctType());
-        settleAccountDTO.setProvCode(dto.getProvCode());
-        settleAccountDTO.setAreaCode(dto.getAreaCode());
-        Map<String, Object> settleAccount = this.createSettleAccountRequest(settleAccountDTO, adapayMemberId, wechatAppId);
-        if (settleAccount != null && !StringUtils.equals((String) settleAccount.get("status"), "failed")) {
-            AdapayMemberAccount updateRecord = new AdapayMemberAccount();
-            updateRecord.setAdapayMemberId(adapayMemberId);
-            updateRecord.setMerchantId(dto.getMerchantId());
-            updateRecord.setSettleAccountId((String) settleAccount.get("id"));
-            adapayMemberAccountService.updateAdapayMemberAccountByMemberId(updateRecord);
-        }
+        deleteSettleAccount(AdapayMemberInfoDTO.builder().merchantId(dto.getMerchantId()).build());
+        CreateSettleAccountDTO createRequest = CreateSettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .bankAcctType(dto.getBankAcctType())
+                .cardId(dto.getCardId())
+                .cardName(dto.getCardName())
+                .certId(dto.getCertId())
+                .certType(dto.getCertType())
+                .telNo(dto.getTelNo())
+                .bankCode(dto.getBankCode())
+                .provCode(dto.getProvCode())
+                .areaCode(dto.getAreaCode())
+                .build();
+        createSettleAccount(createRequest);
    }

    /**
@@ -1805,21 +1834,27 @@ public class AdapayService {
        assertActionAllowed(dto.getMerchantId(), AdapayOpenActionEnum.DELETE_SETTLE_ACCOUNT);
        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
-        String adapayMemberId = StringUtils.isNotBlank(dto.getAdapayMemberId()) ? dto.getAdapayMemberId() : adapayMemberAccount.getAdapayMemberId();
-        String settleAccountId = StringUtils.isNotBlank(dto.getSettleAccountId()) ? dto.getSettleAccountId() : adapayMemberAccount.getSettleAccountId();
-        if (StringUtils.isBlank(settleAccountId) && isCorpMember(adapayMemberId)) {
-            AdapayCorpMemberVO corpMemberVO = queryCorpAdapayMemberInfo(adapayMemberId, wechatAppId);
-            if (corpMemberVO != null) {
-                settleAccountId = corpMemberVO.getSettleAccountId();
-            }
+        String adapayMemberId = adapayMemberAccount.getAdapayMemberId();
+        if (StringUtils.isNotBlank(dto.getAdapayMemberId())
+                && !StringUtils.equals(dto.getAdapayMemberId(), adapayMemberId)) {
+            throw new BusinessException("", "汇付用户信息不匹配");
        }
+        String settleAccountId = resolveSettleAccountId(adapayMemberAccount, wechatAppId);
        if (StringUtils.isBlank(settleAccountId)) {
            throw new BusinessException("", "未查询到结算账户");
        }
+        if (StringUtils.isNotBlank(dto.getSettleAccountId())
+                && !StringUtils.equals(dto.getSettleAccountId(), settleAccountId)) {
+            throw new BusinessException("", "结算账户信息不匹配");
+        }

        assertSettleAccountCanDelete(dto.getMerchantId());
        this.createDeleteSettleAccountRequest(adapayMemberId, settleAccountId, wechatAppId);
-        adapayMemberAccountService.clearSettleAccountByMerchantId(dto.getMerchantId());
+        int cleared = adapayMemberAccountService.clearCurrentSettleAccount(
+                adapayMemberAccount.getId(), dto.getMerchantId(), adapayMemberId, settleAccountId);
+        if (cleared != 1) {
+            throw new BusinessException("", "汇付结算账户已删除，但本地账户状态更新失败，请联系管理员处理");
+        }
    }

    public void deleteAdapayMember(DeleteAdapayMemberDTO dto) throws BaseAdaPayException {
@@ -2018,6 +2053,7 @@ public class AdapayService {
                break;
            case PERSONAL_COMPLETED:
                actions.add(AdapayOpenActionEnum.UPDATE_PERSONAL_MEMBER.getValue());
+                actions.add(AdapayOpenActionEnum.UPDATE_SETTLE_ACCOUNT_CONFIG.getValue());
                actions.add(AdapayOpenActionEnum.DELETE_SETTLE_ACCOUNT.getValue());
                break;
            case CORP_AUDITING:
@@ -2035,6 +2071,7 @@ public class AdapayService {
                break;
            case CORP_COMPLETED:
                actions.add(AdapayOpenActionEnum.UPDATE_CORP_MEMBER.getValue());
+                actions.add(AdapayOpenActionEnum.UPDATE_SETTLE_ACCOUNT_CONFIG.getValue());
                actions.add(AdapayOpenActionEnum.DELETE_SETTLE_ACCOUNT.getValue());
                break;
            default:
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberInfoVO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberInfoVO.java
@@ -20,4 +20,6 @@ public class AdapayMemberInfoVO {
    private String gender;
    // 昵称
    private String nickname;
+    // 结算账户id
+    private String settleAccountId;
 }
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapaySettleAccountVO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapaySettleAccountVO.java
@@ -73,4 +73,10 @@ public class AdapaySettleAccountVO {
     * 银行账户开户银行所在地区编码（省市编码），银行账户类型为对公时，必填
     */
    private String areaCode;
+
+    private String minAmt;
+
+    private String remainedAmt;
+
+    private String channelRemark;
 }
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
@@ -124,7 +124,10 @@ public interface AdapayMemberAccountMapper {
                             @Param("merchantId") String merchantId,
                             @Param("adapayMemberId") String adapayMemberId);

-    void clearSettleAccountByMerchantId(String merchantId);
+    int clearCurrentSettleAccount(@Param("id") Integer id,
+                                  @Param("merchantId") String merchantId,
+                                  @Param("adapayMemberId") String adapayMemberId,
+                                  @Param("settleAccountId") String settleAccountId);

    /**
     * 根据运营商id查询最近一条的信息
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
@@ -115,7 +115,7 @@ public interface AdapayMemberAccountService {
     */
    int deleteCurrentAccount(Integer id, String merchantId, String adapayMemberId);

-    void clearSettleAccountByMerchantId(String merchantId);
+    int clearCurrentSettleAccount(Integer id, String merchantId, String adapayMemberId, String settleAccountId);

    /**
     * 根据运营商Id查询最近一条的信息
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java
@@ -279,9 +279,12 @@ public class AdapayMemberAccountServiceImpl implements AdapayMemberAccountServic
    }

    @Override
-    public void clearSettleAccountByMerchantId(String merchantId) {
-        adapayMemberAccountMapper.clearSettleAccountByMerchantId(merchantId);
-        redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
+    public int clearCurrentSettleAccount(Integer id, String merchantId, String adapayMemberId, String settleAccountId) {
+        int result = adapayMemberAccountMapper.clearCurrentSettleAccount(id, merchantId, adapayMemberId, settleAccountId);
+        if (result > 0) {
+            redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
+        }
+        return result;
    }

    /**
--- a/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
@@ -583,12 +583,15 @@
    and del_flag = '0'
  </update>

-  <update id="clearSettleAccountByMerchantId">
+  <update id="clearCurrentSettleAccount">
    update
      adapay_member_account
    set settle_account_id = null,
        update_time = now()
-    where merchant_id = #{merchantId,jdbcType=VARCHAR}
+    where id = #{id,jdbcType=INTEGER}
+    and merchant_id = #{merchantId,jdbcType=VARCHAR}
+    and adapay_member_id = #{adapayMemberId,jdbcType=VARCHAR}
+    and settle_account_id = #{settleAccountId,jdbcType=VARCHAR}
    and del_flag = '0'
  </update>