update 重构汇付会员

2026-04-19 18:45:03 +08:00 · 2026-03-25 16:19:15 +08:00
parent ea3ad1c904
commit 89263bbe51
15 changed files with 621 additions and 122 deletions
--- a/docs/plan/huifu-member-page-refactor.md
+++ b/docs/plan/huifu-member-page-refactor.md
@@ -0,0 +1,85 @@
+# 汇付会员页面重构计划
+
+## Summary
+
+基于 AdaPay 官方文档、SDK 能力和当前仓库现状，重构现有商户详情页里的汇付用户区域，统一提供个人用户、企业用户、结算账户三类操作入口，并补齐后端接口与页面状态流。
+
+- 一商户仅维护一个当前有效的汇付用户关系
+- 一商户仅维护一个当前有效的结算账户
+- 删除汇付用户按本地解绑落地，不做远端 AdaPay 用户对象删除
+
+## 个人用户与企业用户
+
+- 个人用户 `Member`
+  - 轻量开户，无审核附件
+  - 核心字段：`nickname`、`gender`、`location`、`email`
+  - 支持创建、查询、更新
+  - 结算账户单独创建
+- 企业用户 `CorpMember`
+  - 需要企业实名资料和附件压缩包
+  - 审核状态：`A/B/C/D/E`
+  - 支持创建、查询、更新
+  - 结算账户单独创建或删除
+- 结算账户 `SettleAccount`
+  - 个人和企业都独立维护
+  - 支持创建、查询、删除
+  - 删除用户前必须先删除结算账户
+
+## 本次实现
+
+### 页面与交互
+
+- 重构商户详情页“钱包汇总”中的汇付用户区域
+- 页面拆成三块：
+  - 用户概览
+  - 用户操作
+  - 结算账户操作
+- 新增用户时先选个人/企业，再进入对应表单
+- 删除用户按钮仅在没有结算账户时可用
+- 企业用户保留审核状态和失败原因展示
+
+### 后端接口
+
+- `POST /adapay/member/createAdapayMember`
+- `POST /adapay/member/createCorpMember`
+- `POST /adapay/member/selectAdapayMember`
+- `POST /adapay/member/updateAdapayMember`
+- `POST /adapay/member/deleteAdapayMember`
+- `POST /adapay/member/createSettleAccount`
+- `POST /adapay/member/selectSettleAccount`
+- `POST /adapay/member/deleteSettleAccount`
+
+### 后端类型
+
+- `CreatePersonalMemberDTO`
+- `CreateCorpMemberDTO`
+- `UpdatePersonalMemberDTO`
+- `UpdateCorpMemberDTO`
+- `CreateSettleAccountDTO`
+- `DeleteAdapayMemberDTO`
+- `AdapayMemberAggregateVO`
+
+### 服务规则
+
+- 个人用户创建与结算账户创建彻底拆开
+- 企业用户创建与结算账户创建彻底拆开
+- 用户查询返回聚合结果，兼容旧字段并补充：
+  - `memberType`
+  - `adapayMember`
+  - `adapayCorpMember`
+  - `settleAccountList`
+  - `canDeleteUser`
+  - `deleteBlockReason`
+- 删除结算账户后只清空本地 `settle_account_id`，不删除用户绑定关系
+- 删除用户前校验当前商户下不存在结算账户
+
+## 测试结论
+
+- 后端：`mvn -pl jsowell-admin -am compile -DskipTests` 通过
+- 前端：对本次改动文件执行 `eslint --no-ignore` 通过
+
+## Assumptions
+
+- “删除汇付用户”按本地解绑实现，不做 AdaPay 远端用户删除
+- 当前实现边界仍是一商户对应一个当前有效汇付用户
+- 不支持同一商户同时维护多个有效汇付用户
--- a/jsowell-admin/src/main/java/com/jsowell/web/controller/pile/AdapayMemberController.java
+++ b/jsowell-admin/src/main/java/com/jsowell/web/controller/pile/AdapayMemberController.java
@@ -18,6 +18,7 @@ import com.jsowell.pile.service.ClearingWithdrawInfoService;
 import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.web.bind.annotation.*;

+import java.util.List;
 import java.util.Map;

@RestController
@@ -30,14 +31,55 @@ public class AdapayMemberController extends BaseController {
    @Autowired
    private ClearingWithdrawInfoService clearingWithdrawInfoService;

+    /**
+     * 创建个人用户
+     */
+    @PostMapping("/createAdapayMember")
+    public AjaxResult createAdapayMember(@RequestBody CreatePersonalMemberDTO dto) {
+        AjaxResult result;
+        try {
+            if (StringUtils.isBlank(dto.getMerchantId())) {
+                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
+            }
+            adapayService.createAdapayMember(dto);
+            result = AjaxResult.success();
+        } catch (BusinessException e) {
+            logger.warn("创建个人汇付用户接口warn", e);
+            result = AjaxResult.error(e.getMessage());
+        } catch (Exception e) {
+            logger.error("创建个人汇付用户接口error", e);
+            result = AjaxResult.error("创建个人汇付用户接口异常:" + e.getMessage());
+        }
+        return result;
+    }
+
+    /**
+     * 创建企业用户
+     */
+    @PostMapping("/createCorpMember")
+    public AjaxResult createCorpMember(@RequestBody CreateCorpMemberDTO dto) {
+        AjaxResult result;
+        try {
+            if (StringUtils.isBlank(dto.getMerchantId())) {
+                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
+            }
+            adapayService.createCorpMember(dto);
+            result = AjaxResult.success();
+        } catch (BusinessException e) {
+            logger.warn("创建企业汇付用户接口warn", e);
+            result = AjaxResult.error(e.getMessage());
+        } catch (Exception e) {
+            logger.error("创建企业汇付用户接口error", e);
+            result = AjaxResult.error("创建企业汇付用户接口异常:" + e.getMessage());
+        }
+        return result;
+    }
+
    /**
     * 创建结算账户
-     * http://localhost:8080/adapay/member/createSettleAccount
-     * @param dto
-     * @return
     */
    @PostMapping("/createSettleAccount")
-    public AjaxResult createSettleAccount(@RequestBody SettleAccountDTO dto) {
+    public AjaxResult createSettleAccount(@RequestBody CreateSettleAccountDTO dto) {
        logger.info("创建结算账户接口 param:{}", JSON.toJSONString(dto));
        AjaxResult result;
        try {
@@ -59,7 +101,6 @@ public class AdapayMemberController extends BaseController {

    /**
     * 查询汇付会员接口
-     * http://localhost:8080/adapay/member/selectAdapayMember
     */
    @PostMapping("/selectAdapayMember")
    public AjaxResult selectAdapayMember(@RequestBody AdapayMemberInfoDTO dto) {
@@ -68,8 +109,7 @@ public class AdapayMemberController extends BaseController {
            if (StringUtils.isBlank(dto.getMerchantId())) {
                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
            }
-            Map<String, Object> map = adapayService.selectAdapayMember(dto.getMerchantId());
-            result = AjaxResult.success(map);
+            result = AjaxResult.success(adapayService.selectAdapayMember(dto.getMerchantId()));
        }  catch (BusinessException e) {
            logger.warn("查询汇付会员接口异常warn", e);
            result = AjaxResult.error(e.getMessage());
@@ -81,24 +121,67 @@ public class AdapayMemberController extends BaseController {
    }

    /**
-     * 更新结算账户接口
-     * http://localhost:8080/adapay/member/updateAdapayMember
+     * 查询结算账户接口
     */
-    @PostMapping("/updateAdapayMember")
-    public AjaxResult updateAdapayMember(@RequestBody SettleAccountDTO dto) {
+    @PostMapping("/selectSettleAccount")
+    public AjaxResult selectSettleAccount(@RequestBody AdapayMemberInfoDTO dto) {
        AjaxResult result;
        try {
            if (StringUtils.isBlank(dto.getMerchantId())) {
                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
            }
-            Map<String, Object> map = adapayService.updateAdapayMember(dto);
-            result = AjaxResult.success(map);
+            List<?> list = adapayService.selectSettleAccount(dto.getMerchantId());
+            result = AjaxResult.success(list);
        }  catch (BusinessException e) {
-            logger.warn("更新结算账户接口warn", e);
+            logger.warn("查询结算账户接口warn", e);
            result = AjaxResult.error(e.getMessage());
        } catch (Exception e) {
-            logger.error("更新结算账户接口error", e);
-            result = AjaxResult.error("查询汇付会员接口异常");
+            logger.error("查询结算账户接口error", e);
+            result = AjaxResult.error("查询结算账户接口异常");
+        }
+        return result;
+    }
+
+    /**
+     * 更新汇付会员接口
+     */
+    @PostMapping("/updateAdapayMember")
+    public AjaxResult updateAdapayMember(@RequestBody Map<String, Object> dto) {
+        AjaxResult result;
+        try {
+            if (StringUtils.isBlank((String) dto.get("merchantId"))) {
+                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
+            }
+            adapayService.updateAdapayMember(dto);
+            result = AjaxResult.success();
+        }  catch (BusinessException e) {
+            logger.warn("更新汇付会员接口warn", e);
+            result = AjaxResult.error(e.getMessage());
+        } catch (Exception e) {
+            logger.error("更新汇付会员接口error", e);
+            result = AjaxResult.error("更新汇付会员接口异常");
+        }
+        return result;
+    }
+
+    /**
+     * 删除汇付会员绑定关系
+     */
+    @PostMapping("/deleteAdapayMember")
+    public AjaxResult deleteAdapayMember(@RequestBody DeleteAdapayMemberDTO dto) {
+        AjaxResult result;
+        try {
+            if (StringUtils.isBlank(dto.getMerchantId())) {
+                throw new BusinessException(ReturnCodeEnum.CODE_PARAM_NOT_NULL_ERROR);
+            }
+            adapayService.deleteAdapayMember(dto);
+            result = AjaxResult.success();
+        } catch (BusinessException e) {
+            logger.warn("删除汇付会员绑定接口warn", e);
+            result = AjaxResult.error(e.getMessage());
+        } catch (Exception e) {
+            logger.error("删除汇付会员绑定接口error", e);
+            result = AjaxResult.error("删除汇付会员绑定接口异常");
        }
        return result;
    }
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreateCorpMemberDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreateCorpMemberDTO.java
@@ -0,0 +1,29 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+import java.util.List;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class CreateCorpMemberDTO {
+    private String merchantId;
+    private String name;
+    private String provCode;
+    private String areaCode;
+    private String socialCreditCode;
+    private String socialCreditCodeExpires;
+    private String businessScope;
+    private String legalPerson;
+    private String legalCertId;
+    private String legalCertIdExpires;
+    private String legalMp;
+    private String address;
+    private String zipCode;
+    private String telphone;
+    private String email;
+    private List<String> imgList;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreatePersonalMemberDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreatePersonalMemberDTO.java
@@ -0,0 +1,16 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class CreatePersonalMemberDTO {
+    private String merchantId;
+    private String location;
+    private String email;
+    private String gender;
+    private String nickname;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreateSettleAccountDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/CreateSettleAccountDTO.java
@@ -0,0 +1,23 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class CreateSettleAccountDTO {
+    private String merchantId;
+    private String bankAcctType;
+    private String cardId;
+    private String cardNo;
+    private String cardName;
+    private String certId;
+    private String certType;
+    private String telNo;
+    private String bankCode;
+    private String bankName;
+    private String provCode;
+    private String areaCode;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/DeleteAdapayMemberDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/DeleteAdapayMemberDTO.java
@@ -0,0 +1,13 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class DeleteAdapayMemberDTO {
+    private String merchantId;
+    private String adapayMemberId;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/UpdateCorpMemberDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/UpdateCorpMemberDTO.java
@@ -0,0 +1,28 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+import java.util.List;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class UpdateCorpMemberDTO {
+    private String merchantId;
+    private String name;
+    private String provCode;
+    private String areaCode;
+    private String socialCreditCodeExpires;
+    private String businessScope;
+    private String legalPerson;
+    private String legalCertId;
+    private String legalCertIdExpires;
+    private String legalMp;
+    private String address;
+    private String zipCode;
+    private String telphone;
+    private String email;
+    private List<String> imgList;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/dto/UpdatePersonalMemberDTO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/dto/UpdatePersonalMemberDTO.java
@@ -0,0 +1,16 @@
+package com.jsowell.adapay.dto;
+
+import lombok.*;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class UpdatePersonalMemberDTO {
+    private String merchantId;
+    private String location;
+    private String email;
+    private String gender;
+    private String nickname;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
@@ -266,33 +266,91 @@ public class AdapayService {
    }

    /**
-     * 创建结算账户
-     *
-     * @param dto
-     * @throws BaseAdaPayException
-     * @throws BusinessException
+     * 创建个人用户
     */
-    public void createSettleAccount(SettleAccountDTO dto) throws BaseAdaPayException, BusinessException {
-        String bankAcctType = dto.getBankAcctType();
+    public void createAdapayMember(CreatePersonalMemberDTO dto) throws BaseAdaPayException, BusinessException {
+        SettleAccountDTO request = SettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .location(dto.getLocation())
+                .email(dto.getEmail())
+                .gender(dto.getGender())
+                .nickname(dto.getNickname())
+                .wechatAppId(pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId()))
+                .build();
+        createMember(request);
+    }
+
+    /**
+     * 创建企业用户
+     */
+    public void createCorpMember(CreateCorpMemberDTO dto) throws BaseAdaPayException, BusinessException {
+        SettleAccountDTO request = SettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .wechatAppId(pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId()))
+                .businessName(dto.getName())
+                .provCode(dto.getProvCode())
+                .areaCode(dto.getAreaCode())
+                .socialCreditCode(dto.getSocialCreditCode())
+                .socialCreditCodeExpires(dto.getSocialCreditCodeExpires())
+                .businessScope(dto.getBusinessScope())
+                .legalPerson(dto.getLegalPerson())
+                .legalCertId(dto.getLegalCertId())
+                .legalCertIdExpires(dto.getLegalCertIdExpires())
+                .legalMp(dto.getLegalMp())
+                .address(dto.getAddress())
+                .zipCode(dto.getZipCode())
+                .telphone(dto.getTelphone())
+                .email(dto.getEmail())
+                .imgList(dto.getImgList())
+                .build();
+        createCorpMember(request);
+    }
+
+    /**
+     * 创建结算账户
+     */
+    public void createSettleAccount(CreateSettleAccountDTO dto) throws BaseAdaPayException, BusinessException {
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
+        if (CollectionUtils.isNotEmpty(selectSettleAccount(dto.getMerchantId()))) {
+            throw new BusinessException("", "当前商户已存在结算账户");
+        }

-        // 设置wechatAppId
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
-        dto.setWechatAppId(wechatAppId);
-
-        String cardId = dto.getCardId();
-        String cardNo = dto.getCardNo();
-        if (StringUtils.isBlank(cardId) && StringUtils.isNotBlank(cardNo)) {
-            dto.setCardId(cardNo);
-        }
-        if (StringUtils.isBlank(cardNo) && StringUtils.isNotBlank(cardId)) {
-            dto.setCardNo(cardId);
+        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");
+            throw new BusinessException("00500001", errorMsg);
        }

-        if (StringUtils.equals(bankAcctType, Constants.ONE)) {
-            createCorpMember(dto);
-        } else if (StringUtils.equals(bankAcctType, Constants.TWO)) {
-            createMember(dto);
+        AdapayMemberAccount updateRecord = new AdapayMemberAccount();
+        updateRecord.setAdapayMemberId(adapayMemberAccount.getAdapayMemberId());
+        updateRecord.setSettleAccountId((String) settleCount.get("id"));
+        adapayMemberAccountService.updateAdapayMemberAccountByMemberId(updateRecord);
+    }
+
+    /**
+     * 查询当前商户的结算账户
+     */
+    public List<AdapaySettleAccountVO> selectSettleAccount(String merchantId) throws BaseAdaPayException {
+        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectByMerchantId(merchantId);
+        if (adapayMemberAccount == null) {
+            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();
+            }
+        }
+        AdapaySettleAccountVO adapaySettleAccountVO = queryAdapaySettleAccount(adapayMemberAccount.getAdapayMemberId(), settleAccountId, wechatAppId);
+        if (adapaySettleAccountVO == null) {
+            return Lists.newArrayList();
+        }
+        adapaySettleAccountVO.setMerchantId(merchantId);
+        return Lists.newArrayList(adapaySettleAccountVO);
    }

    /**
@@ -314,9 +372,8 @@ public class AdapayService {

        // 查询汇付会员关系
        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectByMerchantId(dto.getMerchantId());
-        if (adapayMemberAccount != null && StringUtils.equals(adapayMemberAccount.getStatus(), Constants.ONE)) {
-            log.error("通过merchantId:{}, 查询到结算账户配置:{}", dto.getMerchantId(), JSON.toJSONString(adapayMemberAccount));
-            return;
+        if (adapayMemberAccount != null) {
+            throw new BusinessException("", "当前商户已绑定汇付用户");
        }

        log.info("=======execute CreateMember begin=======");
@@ -338,19 +395,10 @@ public class AdapayService {
            throw new BusinessException("00500001", errorMsg);
        }

-        Map<String, Object> settleCount = createSettleAccountRequest(dto, adapayMemberId, dto.getWechatAppId());
-
-        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");
-            throw new BusinessException("00500001", errorMsg);
-        }
-
-        String settleAccountId = (String) settleCount.get("id");
        // 保存到数据库
        adapayMemberAccount = new AdapayMemberAccount();
        adapayMemberAccount.setMerchantId(dto.getMerchantId());
        adapayMemberAccount.setAdapayMemberId(adapayMemberId);
-        adapayMemberAccount.setSettleAccountId(settleAccountId);
        adapayMemberAccount.setStatus(Constants.ONE);
        adapayMemberAccountService.insertAdapayMemberAccount(adapayMemberAccount);
    }
@@ -361,66 +409,61 @@ public class AdapayService {
     * @param merchantId
     * @return
     */
-    public Map<String, Object> selectAdapayMember(String merchantId) throws BaseAdaPayException {
-        Map<String, Object> map = Maps.newHashMap();
+    public AdapayMemberAggregateVO selectAdapayMember(String merchantId) throws BaseAdaPayException {
        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectByMerchantId(merchantId);
        if (adapayMemberAccount == null) {
            log.error("通过merchantId:{}, 没有查询到结算账户配置", merchantId);
            return null;
        }

-        String bankAcctType = null;
-        AdapayMemberInfoVO adapayMemberInfoVO = null;
-        AdapayCorpMemberVO adapayCorpMemberVO = null;
-        List<AdapaySettleAccountVO> list = null;
+        AdapayMemberAggregateVO.AdapayMemberAggregateVOBuilder builder = AdapayMemberAggregateVO.builder()
+                .adapayMemberId(adapayMemberAccount.getAdapayMemberId());

        // 审核失败
        if (Constants.TWO.equals(adapayMemberAccount.getStatus())) {
-            bankAcctType = Constants.ONE; // 只有企业用户才会审核失败
-            adapayCorpMemberVO = new AdapayCorpMemberVO();
+            AdapayCorpMemberVO adapayCorpMemberVO = new AdapayCorpMemberVO();
            MerchantInfoVO merchantInfoVO = pileMerchantInfoService.getMerchantInfoVO(adapayMemberAccount.getMerchantId());
            if (merchantInfoVO != null) {
                adapayCorpMemberVO.setName(merchantInfoVO.getMerchantName());
            }
            adapayCorpMemberVO.setAuditState("B");
            adapayCorpMemberVO.setAuditDesc(adapayMemberAccount.getRemark());
-            map.put("adapayCorpMember", adapayCorpMemberVO);
-            map.put("bankAcctType", bankAcctType);
-            map.put("adapayMember", adapayMemberInfoVO);
-            map.put("settleAccountList", list);
-            return map;
+            return builder
+                    .memberType("CORP")
+                    .bankAcctType(Constants.ONE)
+                    .adapayCorpMember(adapayCorpMemberVO)
+                    .settleAccountList(Lists.newArrayList())
+                    .canDeleteUser(true)
+                    .build();
        }

        // 通过merchantId获取appId
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(merchantId);
        String adapayMemberId = adapayMemberAccount.getAdapayMemberId();
+        List<AdapaySettleAccountVO> settleAccountList = selectSettleAccount(merchantId);
+        boolean canDeleteUser = CollectionUtils.isEmpty(settleAccountList);
+        builder
+                .settleAccountList(settleAccountList)
+                .canDeleteUser(canDeleteUser)
+                .deleteBlockReason(canDeleteUser ? "" : "请先删除结算账户");

        if (StringUtils.startsWith(adapayMemberId, Constants.ADAPAY_MEMBER_PREFIX)) {
-            bankAcctType = Constants.TWO;
            // 查询个人用户
-            adapayMemberInfoVO = queryAdapayMemberInfo(adapayMemberId, wechatAppId);
-            if (adapayMemberInfoVO != null) {
-                adapayMemberInfoVO.setMerchantId(merchantId);
-            }
-            AdapaySettleAccountVO adapaySettleAccountVO = queryAdapaySettleAccount(adapayMemberId, adapayMemberAccount.getSettleAccountId(), wechatAppId);
-            if (adapaySettleAccountVO != null) {
-                adapaySettleAccountVO.setMerchantId(merchantId);
-            }
-            map.put("adapayMember", adapayMemberInfoVO);
-            list = Lists.newArrayList(adapaySettleAccountVO);
-            map.put("settleAccountList", list);
-
-        } else {
-            bankAcctType = Constants.ONE;
-            // 查询企业用户
-            adapayCorpMemberVO = queryCorpAdapayMemberInfo(adapayMemberId, wechatAppId);
+            AdapayMemberInfoVO adapayMemberInfoVO = queryAdapayMemberInfo(adapayMemberId, wechatAppId);
+            return builder
+                    .memberType("PERSONAL")
+                    .bankAcctType(Constants.TWO)
+                    .adapayMember(adapayMemberInfoVO)
+                    .build();
        }

-        map.put("bankAcctType", bankAcctType);
-        map.put("adapayMember", adapayMemberInfoVO);
-        map.put("settleAccountList", list);
-        map.put("adapayCorpMember", adapayCorpMemberVO);
-        return map;
+        // 查询企业用户
+        AdapayCorpMemberVO adapayCorpMemberVO = queryCorpAdapayMemberInfo(adapayMemberId, wechatAppId);
+        return builder
+                .memberType("CORP")
+                .bankAcctType(Constants.ONE)
+                .adapayCorpMember(adapayCorpMemberVO)
+                .build();
    }


@@ -449,6 +492,7 @@ public class AdapayService {

        QueryMemberResponse queryMemberResponse = JSON.parseObject(JSON.toJSONString(member), QueryMemberResponse.class);
        AdapayMemberInfoVO resultVO = AdapayMemberInfoVO.builder()
+                .memberId(adapayMemberId)
                .nickname(queryMemberResponse.getNickname())
                .gender(queryMemberResponse.getGender())
                .email(queryMemberResponse.getEmail())
@@ -761,6 +805,11 @@ public class AdapayService {
        // 逻辑删除原来审核不通过的记录
        adapayMemberAccountService.deleteAuditFailed(dto.getMerchantId());

+        AdapayMemberAccount currentAccount = adapayMemberAccountService.selectByMerchantId(dto.getMerchantId());
+        if (currentAccount != null) {
+            throw new BusinessException("", "当前商户已绑定汇付用户");
+        }
+
        // 创建企业用户参数
        Map<String, Object> memberParams = Maps.newHashMap();
        String adapayMemberId = Constants.ADAPAY_CORP_MEMBER_PREFIX + IdUtils.getMemberId();
@@ -790,10 +839,6 @@ public class AdapayService {
        memberParams.put("zip_code", dto.getZipCode());
        memberParams.put("telphone", dto.getTelphone());
        memberParams.put("email", dto.getEmail());
-        memberParams.put("bank_code", dto.getBankCode());
-        memberParams.put("bank_acct_type", dto.getBankAcctType());
-        memberParams.put("card_no", dto.getCardNo());
-        memberParams.put("card_name", dto.getCardName());
        memberParams.put("notify_url", ADAPAY_CALLBACK_URL);
        File file = ZipUtil.createZipFileFromImages(dto.getImgList());
        Map<String, Object> member = CorpMember.create(memberParams, file, config.getWechatAppId());
@@ -958,6 +1003,63 @@ public class AdapayService {
     * @return
     * @throws BaseAdaPayException
     */
+    public void updateAdapayMember(Map<String, Object> payload) throws BaseAdaPayException {
+        String merchantId = (String) payload.get("merchantId");
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(merchantId);
+        if (isPersonalMember(adapayMemberAccount.getAdapayMemberId())) {
+            UpdatePersonalMemberDTO dto = JSON.parseObject(JSON.toJSONString(payload), UpdatePersonalMemberDTO.class);
+            updatePersonalMember(dto);
+            return;
+        }
+
+        UpdateCorpMemberDTO dto = JSON.parseObject(JSON.toJSONString(payload), UpdateCorpMemberDTO.class);
+        updateCorpMember(dto);
+    }
+
+    public void updateCorpMember(UpdateCorpMemberDTO dto) throws BaseAdaPayException {
+        SettleAccountDTO request = SettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .businessName(dto.getName())
+                .provCode(dto.getProvCode())
+                .areaCode(dto.getAreaCode())
+                .socialCreditCodeExpires(dto.getSocialCreditCodeExpires())
+                .businessScope(dto.getBusinessScope())
+                .legalPerson(dto.getLegalPerson())
+                .legalCertId(dto.getLegalCertId())
+                .legalCertIdExpires(dto.getLegalCertIdExpires())
+                .legalMp(dto.getLegalMp())
+                .address(dto.getAddress())
+                .zipCode(dto.getZipCode())
+                .telphone(dto.getTelphone())
+                .email(dto.getEmail())
+                .imgList(dto.getImgList())
+                .build();
+        updateAdapayMember(request);
+    }
+
+    public void updatePersonalMember(UpdatePersonalMemberDTO dto) throws BaseAdaPayException {
+        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
+        AbstractAdapayConfig config = AdapayConfigFactory.getConfig(wechatAppId);
+        if (config == null) {
+            throw new BusinessException(ReturnCodeEnum.CODE_ADAPAY_CONFIG_IS_NULL_ERROR);
+        }
+
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
+        Map<String, Object> memberParams = Maps.newHashMap();
+        memberParams.put("member_id", adapayMemberAccount.getAdapayMemberId());
+        memberParams.put("app_id", config.getAdapayAppId());
+        memberParams.put("location", dto.getLocation());
+        memberParams.put("email", dto.getEmail());
+        memberParams.put("gender", dto.getGender());
+        memberParams.put("nickname", dto.getNickname());
+        Map<String, Object> member = Member.update(memberParams, config.getWechatAppId());
+        log.info("更新个人账户param:{}, result:{}", JSON.toJSONString(memberParams), JSON.toJSONString(member));
+        if (member == null || AdapayStatusEnum.FAILED.getValue().equals((String) member.get("status"))) {
+            String errorMsg = member == null ? "更新汇付个人用户失败" : (String) member.get("error_msg");
+            throw new BusinessException("", errorMsg);
+        }
+    }
+
    public Map<String, Object> updateAdapayMember(SettleAccountDTO dto) throws BaseAdaPayException {
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
        // 获取汇付支付配置
@@ -1486,7 +1588,13 @@ public class AdapayService {
        settleAccountDTO.setBankAcctType(dto.getBankAcctType());
        settleAccountDTO.setProvCode(dto.getProvCode());
        settleAccountDTO.setAreaCode(dto.getAreaCode());
-        this.createSettleAccountRequest(settleAccountDTO, adapayMemberId, wechatAppId);
+        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.setSettleAccountId((String) settleAccount.get("id"));
+            adapayMemberAccountService.updateAdapayMemberAccountByMemberId(updateRecord);
+        }
    }

    /**
@@ -1551,33 +1659,21 @@ public class AdapayService {
     * @throws BaseAdaPayException
     */
    public void createBankAccount(SettleAccountDTO dto) throws BaseAdaPayException {
-        // 根据运营商id 查出现有的adapayMemberId
-        String merchantId = dto.getMerchantId();
-        // 新写一个查询方法，查询最近一条的记录（因为之前已经删除过数据，使用原查询方法查不到数据）
-        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectRecentInfoByMerchantId(merchantId);
-        if (adapayMemberAccount == null) {
-            return;
-        }
-        String adapayMemberId = adapayMemberAccount.getAdapayMemberId();
-        // 查询该商户的wxAppId
-        String wxAppId = pileMerchantInfoService.queryAppIdByMerchantId(merchantId);
-        // 创建结算账户请求
-        Map<String, Object> settleAccount = this.createSettleAccountRequest(dto, adapayMemberId, wxAppId);
-
-        // 保存结果
-        if (settleAccount == null || StringUtils.equals((String) settleAccount.get("status"), "failed")) {
-            String errorMsg = settleAccount == null ? "创建汇付结算账户失败" : (String) settleAccount.get("error_msg");
-            throw new BusinessException("00500001", errorMsg);
-        }
-
-        String settleAccountId = (String) settleAccount.get("id");
-        // 保存到数据库
-        adapayMemberAccount = new AdapayMemberAccount();
-        adapayMemberAccount.setMerchantId(dto.getMerchantId());
-        adapayMemberAccount.setAdapayMemberId(adapayMemberId);
-        adapayMemberAccount.setSettleAccountId(settleAccountId);
-        adapayMemberAccount.setStatus(Constants.ONE);
-        adapayMemberAccountService.insertAdapayMemberAccount(adapayMemberAccount);
+        CreateSettleAccountDTO request = CreateSettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .bankAcctType(dto.getBankAcctType())
+                .cardId(dto.getCardId())
+                .cardNo(dto.getCardNo())
+                .cardName(dto.getCardName())
+                .certId(dto.getCertId())
+                .certType(dto.getCertType())
+                .telNo(dto.getTelNo())
+                .bankCode(dto.getBankCode())
+                .bankName(dto.getBankName())
+                .provCode(dto.getProvCode())
+                .areaCode(dto.getAreaCode())
+                .build();
+        createSettleAccount(request);
    }

    /**
@@ -1586,14 +1682,79 @@ public class AdapayService {
     * @throws BaseAdaPayException
     */
    public void deleteSettleAccount(AdapayMemberInfoDTO dto) throws BaseAdaPayException {
-        // 查询appId
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
        String wechatAppId = pileMerchantInfoService.queryAppIdByMerchantId(dto.getMerchantId());
-        // 1、新建删除请求 2、如果成功，再将数据库中的记录删除
-        this.createDeleteSettleAccountRequest(dto.getAdapayMemberId(), dto.getSettleAccountId(), wechatAppId);
-        // 删除数据库中的记录
+        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();
+            }
+        }
+        if (StringUtils.isBlank(settleAccountId)) {
+            throw new BusinessException("", "未查询到结算账户");
+        }
+
+        this.createDeleteSettleAccountRequest(adapayMemberId, settleAccountId, wechatAppId);
+        adapayMemberAccountService.clearSettleAccountByMerchantId(dto.getMerchantId());
+    }
+
+    public void deleteAdapayMember(DeleteAdapayMemberDTO dto) throws BaseAdaPayException {
+        AdapayMemberAccount adapayMemberAccount = requireCurrentMemberAccount(dto.getMerchantId());
+        if (StringUtils.isNotBlank(dto.getAdapayMemberId())
+                && !StringUtils.equals(dto.getAdapayMemberId(), adapayMemberAccount.getAdapayMemberId())) {
+            throw new BusinessException("", "汇付用户信息不匹配");
+        }
+
+        if (CollectionUtils.isNotEmpty(selectSettleAccount(dto.getMerchantId()))) {
+            throw new BusinessException("", "请先删除结算账户");
+        }
        adapayMemberAccountService.deleteAccountByMerchantId(dto.getMerchantId());
    }

+    private AdapayMemberAccount requireCurrentMemberAccount(String merchantId) {
+        AdapayMemberAccount adapayMemberAccount = adapayMemberAccountService.selectByMerchantId(merchantId);
+        if (adapayMemberAccount == null) {
+            throw new BusinessException(ReturnCodeEnum.CODE_ADAPAY_MEMBER_IS_NULL_ERROR);
+        }
+        return adapayMemberAccount;
+    }
+
+    private boolean isPersonalMember(String adapayMemberId) {
+        return StringUtils.startsWith(adapayMemberId, Constants.ADAPAY_MEMBER_PREFIX);
+    }
+
+    private boolean isCorpMember(String adapayMemberId) {
+        return StringUtils.startsWith(adapayMemberId, Constants.ADAPAY_CORP_MEMBER_PREFIX);
+    }
+
+    private SettleAccountDTO buildSettleAccountDTO(CreateSettleAccountDTO dto) {
+        SettleAccountDTO request = SettleAccountDTO.builder()
+                .merchantId(dto.getMerchantId())
+                .bankAcctType(dto.getBankAcctType())
+                .cardId(dto.getCardId())
+                .cardNo(dto.getCardNo())
+                .cardName(dto.getCardName())
+                .certId(dto.getCertId())
+                .certType(dto.getCertType())
+                .telNo(dto.getTelNo())
+                .bankCode(dto.getBankCode())
+                .bankName(dto.getBankName())
+                .provCode(dto.getProvCode())
+                .areaCode(dto.getAreaCode())
+                .build();
+        String cardId = request.getCardId();
+        String cardNo = request.getCardNo();
+        if (StringUtils.isBlank(cardId) && StringUtils.isNotBlank(cardNo)) {
+            request.setCardId(cardNo);
+        }
+        if (StringUtils.isBlank(cardNo) && StringUtils.isNotBlank(cardId)) {
+            request.setCardNo(cardId);
+        }
+        return request;
+    }
+
    /**
     * 根据paymentIdList查询分账信息
     * @param paymentIdList
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberAggregateVO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberAggregateVO.java
@@ -0,0 +1,21 @@
+package com.jsowell.adapay.vo;
+
+import lombok.*;
+
+import java.util.List;
+
+@Getter
+@Setter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
+public class AdapayMemberAggregateVO {
+    private String memberType;
+    private String bankAcctType;
+    private String adapayMemberId;
+    private Boolean canDeleteUser;
+    private String deleteBlockReason;
+    private AdapayMemberInfoVO adapayMember;
+    private AdapayCorpMemberVO adapayCorpMember;
+    private List<AdapaySettleAccountVO> settleAccountList;
+}
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberInfoVO.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/vo/AdapayMemberInfoVO.java
@@ -8,6 +8,8 @@ import lombok.*;
@AllArgsConstructor
@Builder
 public class AdapayMemberInfoVO {
+    // 汇付会员id
+    private String memberId;
    // 运营商id
    private String merchantId;
    // 地址
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
@@ -126,6 +126,8 @@ public interface AdapayMemberAccountMapper {
     */
    void deleteAccountByMerchantId(String merchantId);

+    void clearSettleAccountByMerchantId(String merchantId);
+
    /**
     * 根据运营商id查询最近一条的信息
     * @param merchantId
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
@@ -116,6 +116,8 @@ public interface AdapayMemberAccountService {
     */
    void deleteAccountByMerchantId(String merchantId);

+    void clearSettleAccountByMerchantId(String merchantId);
+
    /**
     * 根据运营商Id查询最近一条的信息
     * @param merchantId
--- 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
@@ -262,6 +262,13 @@ public class AdapayMemberAccountServiceImpl implements AdapayMemberAccountServic
    @Override
    public void deleteAccountByMerchantId(String merchantId) {
        adapayMemberAccountMapper.deleteAccountByMerchantId(merchantId);
+        redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
+    }
+
+    @Override
+    public void clearSettleAccountByMerchantId(String merchantId) {
+        adapayMemberAccountMapper.clearSettleAccountByMerchantId(merchantId);
+        redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
    }

    /**
@@ -282,4 +289,3 @@ public class AdapayMemberAccountServiceImpl implements AdapayMemberAccountServic
        return adapayMemberAccountMapper.selectUsedAdapayMemberIdByMerchantId(merchantId);
    }
 }
-
--- a/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
@@ -515,6 +515,8 @@
        from adapay_member_account
        where del_flag = '0'
        and merchant_id = #{merchantId,jdbcType=VARCHAR}
+        order by create_time desc, id desc
+        limit 1
    </select>

    <delete id="deleteByMemberId">
@@ -532,8 +534,18 @@
  <update id="deleteAccountByMerchantId">
    update
      adapay_member_account
-    set del_flag = '0'
+    set del_flag = '1'
    where merchant_id = #{merchantId,jdbcType=VARCHAR}
+    and del_flag = '0'
+  </update>
+
+  <update id="clearSettleAccountByMerchantId">
+    update
+      adapay_member_account
+    set settle_account_id = null,
+        update_time = now()
+    where merchant_id = #{merchantId,jdbcType=VARCHAR}
+    and del_flag = '0'
  </update>

  <select id="selectRecentInfoByMerchantId" resultMap="BaseResultMap">