计算退款金额

2026-04-19 18:45:03 +08:00 · 2025-12-16 16:55:39 +08:00
parent ae74c73b11
commit b130b95545
2 changed files with 230 additions and 1 deletions
--- a/TestCalculateBalanceRefund.java
+++ b/TestCalculateBalanceRefund.java
@@ -0,0 +1,122 @@
+import java.math.BigDecimal;
+import java.util.HashMap;
+import java.util.Map;
+
+public class TestCalculateBalanceRefund {
+
+    /**
+     * 计算余额退款（包含电费和保险费）
+     * <p>
+     * 业务规则：
+     * 1. 总支付金额 = principalPay + giftPay
+     * 2. 电费预付款 = 总支付金额 - insuranceAmount
+     * 3. 实际电费消费金额 = orderAmount - discountAmount
+     * 4. 支付时优先使用本金，消费时也优先扣除本金
+     * 5. 保险费优先从本金中扣除
+     * 6. 电费实际消费金额 > 1 时，保险费不退；否则需要退保险费
+     *
+     * @param principalPay    本金支付金额
+     * @param giftPay         赠金支付金额
+     * @param orderAmount     消费金额
+     * @param discountAmount  折扣金额
+     * @param insuranceAmount 保险费金额
+     * @return Map包含：returnPrincipal（本金退款for电费），returnGift（赠金退款for电费），
+     *         returnPrincipalForInsurance（本金退款for保险费），returnGiftForInsurance（赠金退款for保险费）
+     */
+    protected static Map<String, BigDecimal> calculateBalanceRefund(BigDecimal principalPay, BigDecimal giftPay,
+                                                                    BigDecimal orderAmount, BigDecimal discountAmount,
+                                                                    BigDecimal insuranceAmount) {
+        Map<String, BigDecimal> resultMap = new HashMap<>();
+
+        // 参数校验，null值处理为0
+        principalPay = principalPay == null ? BigDecimal.ZERO : principalPay;
+        giftPay = giftPay == null ? BigDecimal.ZERO : giftPay;
+        orderAmount = orderAmount == null ? BigDecimal.ZERO : orderAmount;
+        discountAmount = discountAmount == null ? BigDecimal.ZERO : discountAmount;
+        insuranceAmount = insuranceAmount == null ? BigDecimal.ZERO : insuranceAmount;
+
+        // 总支付金额
+        BigDecimal totalPay = principalPay.add(giftPay);
+
+        // 电费预付款 = 总支付金额 - 保险费
+        BigDecimal electricityPrepayment = totalPay.subtract(insuranceAmount);
+
+        // 实际电费消费金额 = 消费金额 - 折扣金额
+        BigDecimal actualElectricityConsumption = orderAmount.subtract(discountAmount);
+        if (actualElectricityConsumption.compareTo(BigDecimal.ZERO) < 0) {
+            actualElectricityConsumption = BigDecimal.ZERO;
+        }
+
+        // 支付时优先用本金，保险费全部从本金中扣除
+        // 本金用于保险费的部分（优先从本金扣除保险费）
+        BigDecimal principalForInsurance = principalPay.min(insuranceAmount);
+        // 赠金用于保险费的部分（如果本金不够支付保险费，从赠金中扣除）
+        BigDecimal giftForInsurance = insuranceAmount.subtract(principalForInsurance);
+        if (giftForInsurance.compareTo(BigDecimal.ZERO) < 0) {
+            giftForInsurance = BigDecimal.ZERO;
+        }
+        // 本金用于电费的部分 = 总本金 - 本金用于保险费的部分
+        BigDecimal principalForElectricity = principalPay.subtract(principalForInsurance);
+        // 赠金用于电费的部分 = 总赠金 - 赠金用于保险费的部分
+        BigDecimal giftForElectricity = giftPay.subtract(giftForInsurance);
+
+        // 计算电费退款（消费时优先扣除本金）
+        BigDecimal principalConsumed = principalForElectricity.min(actualElectricityConsumption);
+        BigDecimal giftConsumed = actualElectricityConsumption.subtract(principalConsumed);
+        if (giftConsumed.compareTo(BigDecimal.ZERO) < 0) {
+            giftConsumed = BigDecimal.ZERO;
+        }
+
+        // 电费退款
+        BigDecimal returnPrincipal = principalForElectricity.subtract(principalConsumed);
+        BigDecimal returnGift = giftForElectricity.subtract(giftConsumed);
+        if (returnPrincipal.compareTo(BigDecimal.ZERO) < 0) {
+            returnPrincipal = BigDecimal.ZERO;
+        }
+        if (returnGift.compareTo(BigDecimal.ZERO) < 0) {
+            returnGift = BigDecimal.ZERO;
+        }
+
+        // 计算保险费退款：电费实际消费金额 > 1 时，保险费不退；否则需要退保险费
+        BigDecimal returnPrincipalForInsurance = BigDecimal.ZERO;
+        BigDecimal returnGiftForInsurance = BigDecimal.ZERO;
+
+        if (actualElectricityConsumption.compareTo(BigDecimal.ONE) <= 0) {
+            // 需要退保险费
+            returnPrincipalForInsurance = principalForInsurance;
+            returnGiftForInsurance = giftForInsurance;
+        }
+
+        resultMap.put("returnPrincipal", returnPrincipal);
+        resultMap.put("returnGift", returnGift);
+        resultMap.put("returnPrincipalForInsurance", returnPrincipalForInsurance);
+        resultMap.put("returnGiftForInsurance", returnGiftForInsurance);
+
+        System.out.println("计算余额退款: 本金支付=" + principalPay + ", 赠金支付=" + giftPay +
+                         ", 消费金额=" + orderAmount + ", 折扣金额=" + discountAmount +
+                         ", 保险费=" + insuranceAmount + ", 实际电费消费=" + actualElectricityConsumption +
+                         ", 电费退款(本金=" + returnPrincipal + ", 赠金=" + returnGift +
+                         "), 保险费退款(本金=" + returnPrincipalForInsurance + ", 赠金=" + returnGiftForInsurance + ")");
+
+        return resultMap;
+    }
+
+    public static void main(String[] args) {
+        System.out.println("测试用例1: 本金30.5, 赠金20, 消费10, 折扣0, 保险费0.5");
+        BigDecimal principalPay = new BigDecimal("30.5");
+        BigDecimal giftPay = new BigDecimal("20");
+        BigDecimal orderAmount = new BigDecimal("10");
+        BigDecimal discountAmount = new BigDecimal("0");
+        BigDecimal insuranceAmount = new BigDecimal("0.5");
+
+        Map<String, BigDecimal> result = calculateBalanceRefund(principalPay, giftPay, orderAmount, discountAmount, insuranceAmount);
+        System.out.println("结果: " + result);
+        System.out.println();
+
+        System.out.println("期望结果: 电费退款(本金=20.5, 赠金=19.5), 保险费退款(本金=0, 赠金=0)");
+        System.out.println("实际结果: 电费退款(本金=" + result.get("returnPrincipal") +
+                         ", 赠金=" + result.get("returnGift") +
+                         "), 保险费退款(本金=" + result.get("returnPrincipalForInsurance") +
+                         ", 赠金=" + result.get("returnGiftForInsurance") + ")");
+    }
+}
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/AbstractProgramLogic.java
@@ -47,7 +47,7 @@ import java.util.stream.Collectors;
 * 描述订单逻辑
 */
 public abstract class AbstractProgramLogic implements InitializingBean {
-    protected Logger logger = LoggerFactory.getLogger(this.getClass());
+    protected static Logger logger = LoggerFactory.getLogger(AbstractProgramLogic.class);

    @Value("${adapay.callback}")
    protected String ADAPAY_CALLBACK_URL;
@@ -1164,6 +1164,113 @@ public abstract class AbstractProgramLogic implements InitializingBean {
        return valid1.compareTo(valid2) < 0 ? valid1 : valid2;
    }

+    /**
+     * 计算余额退款（包含电费和保险费）
+     * <p>
+     * 业务规则：
+     * 1. 总支付金额 = principalPay + giftPay
+     * 2. 电费预付款 = 总支付金额 - insuranceAmount
+     * 3. 实际电费消费金额 = orderAmount - discountAmount
+     * 4. 支付时优先使用本金，消费时也优先扣除本金
+     * 5. 电费实际消费金额 > 1 时，保险费不退；否则需要退保险费
+     *
+     * @param principalPay    本金支付金额
+     * @param giftPay         赠金支付金额
+     * @param orderAmount     消费金额
+     * @param discountAmount  折扣金额
+     * @param insuranceAmount 保险费金额
+     * @return Map包含：returnPrincipal（本金退款for电费），returnGift（赠金退款for电费），
+     *         returnPrincipalForInsurance（本金退款for保险费），returnGiftForInsurance（赠金退款for保险费）
+     */
+    protected static Map<String, BigDecimal> calculateBalanceRefund(BigDecimal principalPay, BigDecimal giftPay,
+                                                                    BigDecimal orderAmount, BigDecimal discountAmount,
+                                                                    BigDecimal insuranceAmount) {
+        Map<String, BigDecimal> resultMap = Maps.newHashMap();
+
+        // 参数校验，null值处理为0
+        principalPay = principalPay == null ? BigDecimal.ZERO : principalPay;
+        giftPay = giftPay == null ? BigDecimal.ZERO : giftPay;
+        orderAmount = orderAmount == null ? BigDecimal.ZERO : orderAmount;
+        discountAmount = discountAmount == null ? BigDecimal.ZERO : discountAmount;
+        insuranceAmount = insuranceAmount == null ? BigDecimal.ZERO : insuranceAmount;
+
+        // 总支付金额
+        BigDecimal totalPay = principalPay.add(giftPay);
+
+        // 电费预付款 = 总支付金额 - 保险费
+        BigDecimal electricityPrepayment = totalPay.subtract(insuranceAmount);
+
+        // 实际电费消费金额 = 消费金额 - 折扣金额
+        BigDecimal actualElectricityConsumption = orderAmount.subtract(discountAmount);
+        if (actualElectricityConsumption.compareTo(BigDecimal.ZERO) < 0) {
+            actualElectricityConsumption = BigDecimal.ZERO;
+        }
+
+        // 支付时优先用本金，保险费全部从本金中扣除
+        // 本金用于保险费的部分（优先从本金扣除保险费）
+        BigDecimal principalForInsurance = principalPay.min(insuranceAmount);
+        // 赠金用于保险费的部分（如果本金不够支付保险费，从赠金中扣除）
+        BigDecimal giftForInsurance = insuranceAmount.subtract(principalForInsurance);
+        if (giftForInsurance.compareTo(BigDecimal.ZERO) < 0) {
+            giftForInsurance = BigDecimal.ZERO;
+        }
+        // 本金用于电费的部分 = 总本金 - 本金用于保险费的部分
+        BigDecimal principalForElectricity = principalPay.subtract(principalForInsurance);
+        // 赠金用于电费的部分 = 总赠金 - 赠金用于保险费的部分
+        BigDecimal giftForElectricity = giftPay.subtract(giftForInsurance);
+
+        // 计算电费退款（消费时优先扣除本金）
+        BigDecimal principalConsumed = principalForElectricity.min(actualElectricityConsumption);
+        BigDecimal giftConsumed = actualElectricityConsumption.subtract(principalConsumed);
+        if (giftConsumed.compareTo(BigDecimal.ZERO) < 0) {
+            giftConsumed = BigDecimal.ZERO;
+        }
+
+        // 电费退款
+        BigDecimal returnPrincipal = principalForElectricity.subtract(principalConsumed);
+        BigDecimal returnGift = giftForElectricity.subtract(giftConsumed);
+        if (returnPrincipal.compareTo(BigDecimal.ZERO) < 0) {
+            returnPrincipal = BigDecimal.ZERO;
+        }
+        if (returnGift.compareTo(BigDecimal.ZERO) < 0) {
+            returnGift = BigDecimal.ZERO;
+        }
+
+        // 计算保险费退款：电费实际消费金额 > 1 时，保险费不退；否则需要退保险费
+        BigDecimal returnPrincipalForInsurance = BigDecimal.ZERO;
+        BigDecimal returnGiftForInsurance = BigDecimal.ZERO;
+
+        if (actualElectricityConsumption.compareTo(BigDecimal.ONE) <= 0) {
+            // 需要退保险费
+            returnPrincipalForInsurance = principalForInsurance;
+            returnGiftForInsurance = giftForInsurance;
+        }
+
+        resultMap.put("returnPrincipal", returnPrincipal);
+        resultMap.put("returnGift", returnGift);
+        resultMap.put("returnPrincipalForInsurance", returnPrincipalForInsurance);
+        resultMap.put("returnGiftForInsurance", returnGiftForInsurance);
+
+        logger.info("计算余额退款: 本金支付={}, 赠金支付={}, 消费金额={}, 折扣金额={}, 保险费={}, " +
+                        "实际电费消费={}, 电费退款(本金={}, 赠金={}), 保险费退款(本金={}, 赠金={})",
+                principalPay, giftPay, orderAmount, discountAmount, insuranceAmount,
+                actualElectricityConsumption, returnPrincipal, returnGift,
+                returnPrincipalForInsurance, returnGiftForInsurance);
+
+        return resultMap;
+    }
+
+    public static void main(String[] args) {
+        BigDecimal principalPay = new BigDecimal("30.5");
+        BigDecimal giftPay = new BigDecimal("20");
+        BigDecimal orderAmount = new BigDecimal("10");
+        BigDecimal discountAmount = new BigDecimal("9.1");
+        BigDecimal insuranceAmount = new BigDecimal("0.5");
+
+        calculateBalanceRefund(principalPay, giftPay, orderAmount, discountAmount, insuranceAmount);
+
+    }//
+
    /**
     * 计算余额支付下发金额
     * xixiao在用