473 lines
16 KiB
Go
473 lines
16 KiB
Go
package common
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import (
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"crypto/aes"
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"crypto/cipher"
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"crypto/hmac"
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"crypto/rand"
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"crypto/sha256"
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"encoding/base64"
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"encoding/hex"
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"io"
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"strings"
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"time"
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"git.apinb.com/bsm-sdk/core/errcode"
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"git.apinb.com/bsm-sdk/core/infra"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/config"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/impl"
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"git.apinb.com/heqiapp/platforms/backend/api/internal/models"
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"github.com/gin-gonic/gin"
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"golang.org/x/crypto/bcrypt"
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"golang.org/x/crypto/hkdf"
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"gorm.io/gorm"
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"gorm.io/gorm/clause"
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)
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type walletOwner struct {
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Type, Identity, Phone string
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ID uint64
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}
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func currentOwner(ctx *gin.Context, client string) (walletOwner, bool) {
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if client == "user_app" {
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account, ok := UserAccount(ctx)
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return walletOwner{Type: "user", Identity: account.Identity, Phone: account.Phone, ID: account.ID}, ok
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}
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account, ok := StaffAccount(ctx)
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return walletOwner{Type: "staff", Identity: account.Identity, Phone: account.Phone, ID: account.ID}, ok
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}
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func ensureWallet(tx *gorm.DB, owner walletOwner) (models.WalletBasic, error) {
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var wallet models.WalletBasic
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err := tx.Where("owner_type = ? AND owner_identity = ?", owner.Type, owner.Identity).First(&wallet).Error
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if err == nil {
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return wallet, nil
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}
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if err != gorm.ErrRecordNotFound {
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return wallet, err
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}
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wallet = models.WalletBasic{
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Entity: NewEntity(StatusEnable), OwnerType: owner.Type, OwnerID: owner.ID, OwnerIdentity: owner.Identity,
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}
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if err := tx.Create(&wallet).Error; err != nil {
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return wallet, err
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}
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return wallet, nil
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}
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// GetWallet 延迟创建并返回当前主体钱包。
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func GetWallet(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{
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"identity": wallet.Identity, "balance": wallet.Balance,
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"withdrawal_balance": wallet.WithdrawalBalance, "payment_password_set": wallet.PayPasswordHash != "",
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})
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}
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}
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// SetPaymentPassword 设置或重置六位数字支付密码。
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func SetPaymentPassword(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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NewPassword string `json:"new_password" binding:"required,len=6,numeric"`
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CurrentPassword string `json:"current_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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valid := wallet.PayPasswordHash == "" && VerifyCode(client, owner.Phone, "set_payment_password", request.RequestIdentity, request.Code)
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if wallet.PayPasswordHash != "" {
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valid = bcrypt.CompareHashAndPassword([]byte(wallet.PayPasswordHash), []byte(request.CurrentPassword)) == nil ||
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VerifyCode(client, owner.Phone, "reset_payment_password", request.RequestIdentity, request.Code)
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}
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if !valid {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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hash, _ := bcrypt.GenerateFromPassword([]byte(request.NewPassword), bcrypt.DefaultCost)
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if err := impl.DBService.Model(&wallet).Update("pay_password_hash", string(hash)).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"changed": true})
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}
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}
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// CreateRecharge 创建待支付充值订单，不直接增加余额。
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func CreateRecharge(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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Amount int64 `json:"amount" binding:"required,gt=0"`
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Channel string `json:"channel" binding:"required,oneof=mock wechat alipay"`
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RequestNo string `json:"request_no" binding:"required"`
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}
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if ctx.ShouldBindJSON(&request) != nil || request.Amount > config.Spec.Global.ManualRechargeMaxAmount ||
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(request.Channel == "mock" && !config.Spec.Global.MockPaymentEnabled) {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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order := models.WalletRechargeOrder{
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Entity: NewEntity(StatusEnable), RechargeStatus: 10, WalletBasicID: wallet.ID,
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RechargeNo: RecordNo("RC"), RequestNo: request.RequestNo, Amount: request.Amount,
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Channel: request.Channel, OwnerType: owner.Type, OwnerIdentity: owner.Identity,
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}
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if err := impl.DBService.Create(&order).Error; err != nil {
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var existing models.WalletRechargeOrder
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if impl.DBService.Where("request_no = ? AND owner_identity = ?", request.RequestNo, owner.Identity).First(&existing).Error != nil {
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infra.Response.Error(ctx, err)
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return
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}
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order = existing
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}
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infra.Response.Success(ctx, ResourceResponse(order))
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}
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}
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// ConfirmMockRecharge 模拟支付回调，生产关闭；事务内只入账一次。
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func ConfirmMockRecharge(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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if !config.Spec.Global.MockPaymentEnabled {
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infra.Response.Error(ctx, errcode.ErrPermissionDenied)
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return
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}
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var response models.WalletRechargeOrder
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err := impl.DBService.Transaction(func(tx *gorm.DB) error {
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if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
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Where("identity = ? AND owner_identity = ?", ctx.Param("identity"), owner.Identity).First(&response).Error; err != nil {
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return err
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}
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if response.RechargeStatus == 23 {
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return nil
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}
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if response.RechargeStatus != 10 || response.Channel != "mock" {
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return gorm.ErrInvalidData
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}
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var wallet models.WalletBasic
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if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&wallet, response.WalletBasicID).Error; err != nil {
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return err
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}
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wallet.Balance += response.Amount
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if err := tx.Model(&wallet).Update("balance", wallet.Balance).Error; err != nil {
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return err
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}
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now := time.Now()
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if err := tx.Model(&response).Updates(map[string]any{"recharge_status": 23, "completed_at": &now}).Error; err != nil {
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return err
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}
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date := now.In(time.Local)
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return tx.Create(&models.WalletRecord{
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Entity: NewEntity(StatusEnable), WalletBasicID: wallet.ID, RecordNo: RecordNo("WR"),
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RequestNo: "recharge:" + response.Identity, Direction: "income", TradeType: "recharge",
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Amount: response.Amount, BalanceAfter: wallet.Balance, WithdrawalBalanceAfter: wallet.WithdrawalBalance,
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InTradeNo: response.RechargeNo, PayChannel: "mock", OperatorIdentity: owner.Identity,
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Ymd: int32(date.Year()*10000 + int(date.Month())*100 + date.Day()), Ym: int32(date.Year()*100 + int(date.Month())),
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}).Error
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})
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"confirmed": true})
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}
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}
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// ListWalletRecords 返回当前钱包不可变流水。
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func ListWalletRecords(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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var list []models.WalletRecord
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if err := impl.DBService.Where("wallet_basic_id = ?", wallet.ID).Order("created_at desc").Find(&list).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, ResourceResponse(list))
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}
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}
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// ListBanks 仅返回银行卡掩码和非敏感字段。
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func ListBanks(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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var banks []models.WalletBank
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if err := impl.DBService.Where("wallet_basic_id = ? AND status <> ?", wallet.ID, StatusArchived).Find(&banks).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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list := make([]gin.H, 0, len(banks))
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for _, bank := range banks {
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list = append(list, gin.H{"identity": bank.Identity, "card_no_masked": "**** **** **** " + bank.CardNoLast4, "bank_name": bank.BankName, "card_owner": bank.CardOwner, "bank_type": bank.BankType})
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}
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infra.Response.Success(ctx, list)
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}
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}
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// BindBank 加密保存银行卡；支付渠道绑定标识在首期保持为空。
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func BindBank(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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CardNo string `json:"card_no" binding:"required,min=12,max=32"`
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BankName string `json:"bank_name" binding:"required,max=128"`
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CardOwner string `json:"card_owner" binding:"required,max=128"`
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IDCard string `json:"id_card" binding:"required"`
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Phone string `json:"phone" binding:"required"`
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BankType string `json:"bank_type"`
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Bank string `json:"bank"`
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PaymentPassword string `json:"payment_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil || !ValidPhone(request.Phone) {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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if !walletProof(wallet, client, owner.Phone, "bind_bank", request.PaymentPassword, request.RequestIdentity, request.Code) {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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cardCipher, fingerprint, err := protectField(request.CardNo)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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idCipher, _, _ := protectField(request.IDCard)
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phoneCipher, _, _ := protectField(request.Phone)
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bank := models.WalletBank{
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Entity: NewEntity(StatusEnable), WalletBasicID: wallet.ID, CardNoCiphertext: cardCipher,
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CardFingerprint: fingerprint, CardNoLast4: request.CardNo[len(request.CardNo)-4:],
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BankName: request.BankName, CardOwner: request.CardOwner, IDCardCiphertext: idCipher,
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PhoneCiphertext: phoneCipher, BankType: request.BankType, Bank: request.Bank,
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}
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if err := impl.DBService.Create(&bank).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"identity": bank.Identity, "card_no_masked": "**** **** **** " + bank.CardNoLast4})
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}
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}
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// UnbindBank 归档银行卡；存在待处理提现时拒绝。
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func UnbindBank(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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PaymentPassword string `json:"payment_password"`
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Code string `json:"code"`
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RequestIdentity string `json:"request_identity"`
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}
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if ctx.ShouldBindJSON(&request) != nil {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil || !walletProof(wallet, client, owner.Phone, "unbind_bank", request.PaymentPassword, request.RequestIdentity, request.Code) {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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var bank models.WalletBank
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if impl.DBService.Where("identity = ? AND wallet_basic_id = ? AND status <> ?", ctx.Param("identity"), wallet.ID, StatusArchived).First(&bank).Error != nil {
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infra.Response.Error(ctx, errcode.ErrRecordNotFound)
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return
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}
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var count int64
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impl.DBService.Model(&models.WalletApplyCash{}).Where("wallet_bank_id = ? AND apply_status IN ?", bank.ID, []int{10, 18}).Count(&count)
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if count > 0 {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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if err := impl.DBService.Model(&bank).Update("status", StatusArchived).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, gin.H{"archived": true})
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}
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}
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// CreateWithdrawal 创建提现申请并预扣可提现余额。
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func CreateWithdrawal(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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var request struct {
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BankIdentity string `json:"bank_identity" binding:"required"`
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Amount int64 `json:"amount" binding:"required,gt=0"`
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RequestNo string `json:"request_no" binding:"required"`
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PaymentPassword string `json:"payment_password" binding:"required"`
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Remark string `json:"remark"`
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}
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if ctx.ShouldBindJSON(&request) != nil {
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infra.Response.Error(ctx, errcode.ErrInvalidArgument)
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil || !VerifyPaymentPassword(owner.Identity, wallet, request.PaymentPassword) {
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infra.Response.Error(ctx, errcode.ErrPassword)
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return
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}
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var apply models.WalletApplyCash
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err = impl.DBService.Transaction(func(tx *gorm.DB) error {
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var bank models.WalletBank
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if err := tx.Where("identity = ? AND wallet_basic_id = ? AND status = ?", request.BankIdentity, wallet.ID, StatusEnable).First(&bank).Error; err != nil {
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return err
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}
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var createErr error
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apply, _, createErr = CreateReservedWithdrawal(tx, WalletWithdrawalInput{
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WalletBasicID: wallet.ID,
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WalletBankID: bank.ID,
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RequestNo: request.RequestNo,
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CashNo: RecordNo("WD"),
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Amount: request.Amount,
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Channel: "bank",
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Remark: request.Remark,
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OperatorIdentity: owner.Identity,
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})
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return createErr
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})
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if err != nil {
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var existing models.WalletApplyCash
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if impl.DBService.Where("request_no = ? AND wallet_basic_id = ?", request.RequestNo, wallet.ID).First(&existing).Error != nil {
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infra.Response.Error(ctx, err)
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return
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}
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apply = existing
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}
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infra.Response.Success(ctx, ResourceResponse(apply))
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}
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}
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// ListWithdrawals 返回当前钱包提现申请。
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func ListWithdrawals(client string) gin.HandlerFunc {
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return func(ctx *gin.Context) {
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owner, ok := currentOwner(ctx, client)
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if !ok {
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return
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}
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wallet, err := ensureWallet(impl.DBService, owner)
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if err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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var list []models.WalletApplyCash
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if err := impl.DBService.Where("wallet_basic_id = ?", wallet.ID).Order("created_at desc").Find(&list).Error; err != nil {
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infra.Response.Error(ctx, err)
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return
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}
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infra.Response.Success(ctx, ResourceResponse(list))
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}
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}
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func walletProof(wallet models.WalletBasic, client, phone, purpose, password, requestIdentity, code string) bool {
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return wallet.PayPasswordHash != "" && bcrypt.CompareHashAndPassword([]byte(wallet.PayPasswordHash), []byte(password)) == nil ||
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VerifyCode(client, phone, purpose, requestIdentity, code)
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}
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// VerifyPaymentPassword 校验支付密码，并在 Redis 中累计失败次数、短时锁定。
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func VerifyPaymentPassword(ownerIdentity string, wallet models.WalletBasic, password string) bool {
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lockKey := impl.RedisService.BuildKey("payment-password-lock", ownerIdentity)
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var locked bool
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if impl.RedisService.Get(lockKey, &locked) == nil && locked {
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return false
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}
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if wallet.PayPasswordHash != "" && bcrypt.CompareHashAndPassword([]byte(wallet.PayPasswordHash), []byte(password)) == nil {
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_ = impl.RedisService.Delete(impl.RedisService.BuildKey("payment-password-failures", ownerIdentity))
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return true
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}
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failureKey := impl.RedisService.BuildKey("payment-password-failures", ownerIdentity)
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var failures int
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_ = impl.RedisService.Get(failureKey, &failures)
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failures++
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_ = impl.RedisService.Set(failureKey, failures, 15*time.Minute)
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if failures >= 5 {
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_ = impl.RedisService.Set(lockKey, true, 15*time.Minute)
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}
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return false
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}
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func protectField(value string) (string, string, error) {
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reader := hkdf.New(sha256.New, []byte(config.Spec.Global.FieldEncryptionKey), nil, []byte("heqi-wallet-field-v1"))
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key := make([]byte, 64)
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if _, err := io.ReadFull(reader, key); err != nil {
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return "", "", err
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}
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block, err := aes.NewCipher(key[:32])
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|
if err != nil {
|
|
return "", "", err
|
|
}
|
|
gcm, err := cipher.NewGCM(block)
|
|
if err != nil {
|
|
return "", "", err
|
|
}
|
|
nonce := make([]byte, gcm.NonceSize())
|
|
if _, err := rand.Read(nonce); err != nil {
|
|
return "", "", err
|
|
}
|
|
sealed := gcm.Seal(nil, nonce, []byte(strings.TrimSpace(value)), nil)
|
|
mac := hmac.New(sha256.New, key[32:])
|
|
_, _ = mac.Write([]byte(strings.TrimSpace(value)))
|
|
return base64.RawStdEncoding.EncodeToString(append(nonce, sealed...)), hex.EncodeToString(mac.Sum(nil)), nil
|
|
}
|