@Override
@Transactional(rollbackFor = Exception.class)
public void payForCompensation(RepayCompensation rc) throws InsufficientBalance {
// FIXME:判断rc的状态，防止多次还款出现
if (!rc.getStatus().equals(CompensationStatus.COMPENSATED)) {
throw new RuntimeException("compensation status is " + rc.getStatus() + "!");
}
// 应还本金和利息和手续费
double money =
ArithUtil.add(
rc.getLoanRepay().getCorpus(),
rc.getLoanRepay().getInterest(),
rc.getLoanRepay().getFee());
// 逾期罚金
double feeToSystem =
feeConfigBO.getFee(
FeePoint.OVERDUE_REPAY_SYSTEM,
FeeType.PENALTY,
null,
null,
ArithUtil.mul(
money, DateUtil.getIntervalDays(rc.getLoanRepay().getRepayDay(), new Date())));
// 给代偿方的罚金
double feeToCompensator =
feeConfigBO.getFee(
FeePoint.OVERDUE_REPAY_INVESTOR,
FeeType.PENALTY,
null,
null,
ArithUtil.mul(
money, DateUtil.getIntervalDays(rc.getLoanRepay().getRepayDay(), new Date())));
userBillBO.transferOutFromBalance(
rc.getLoanRepay().getLoan().getUser().getId(),
ArithUtil.add(money, feeToCompensator, feeToSystem),
OperatorInfo.PAY_COMPENSTATION,
"代偿编号：" + rc.getId());
userBillBO.transferIntoBalance(
rc.getRepayer().getId(),
ArithUtil.add(money, feeToCompensator),
OperatorInfo.PAY_COMPENSTATION,
"代偿编号：" + rc.getId());
userBillBO.transferIntoBalance(
rc.getRepayer().getId(), feeToSystem, OperatorInfo.PAY_COMPENSTATION, "代偿编号：" + rc.getId());
// 状态改为完成
rc.setStatus(CompensationStatus.COMPLETE);
rc.setPayCompensationTime(new Date());
ht.update(rc);
}
public void generateTransferRepay(
List<InvestRepay> investRepays, Invest invest, double corpusRate) {
for (Iterator iterator = investRepays.iterator(); iterator.hasNext(); ) {
InvestRepay ir = (InvestRepay) iterator.next();
if (ir.getStatus().equals(RepayStatus.WAIT_REPAY_VERIFY)
|| ir.getStatus().equals(RepayStatus.OVERDUE)
|| ir.getStatus().equals(RepayStatus.BAD_DEBT)) {
throw new RuntimeException(
"investRepay with status " + RepayStatus.WAIT_REPAY_VERIFY + "exist!");
} else if (ir.getStatus().equals(RepayStatus.REPAYING)) {
// 根据购买本金比例，生成债权还款信息
InvestRepay irNew = new InvestRepay();
try {
BeanUtils.copyProperties(irNew, ir);
} catch (Exception e) {
throw new RuntimeException(e);
}
irNew.setId(IdGenerator.randomUUID());
irNew.setCorpus(ArithUtil.mul(ir.getCorpus(), corpusRate, 2));
irNew.setDefaultInterest(ArithUtil.mul(ir.getDefaultInterest(), corpusRate, 2));
irNew.setFee(ArithUtil.mul(ir.getFee(), corpusRate, 2));
irNew.setInterest(ArithUtil.mul(ir.getInterest(), corpusRate, 2));
irNew.setInvest(invest);
// 修改原投资的还款信息
ir.setCorpus(ArithUtil.sub(ir.getCorpus(), irNew.getCorpus()));
ir.setDefaultInterest(ArithUtil.sub(ir.getDefaultInterest(), irNew.getDefaultInterest()));
ir.setFee(ArithUtil.sub(ir.getFee(), irNew.getFee()));
ir.setInterest(ArithUtil.sub(ir.getInterest(), irNew.getInterest()));
ht.merge(irNew);
if (corpusRate == 1) {
ht.delete(ir);
iterator.remove();
} else {
ht.update(ir);
}
}
}
}
@Override
@Transactional(rollbackFor = Exception.class)
public TrusteeshipOperation createOperation(Invest invest, FacesContext fc) throws IOException {
String transferApplyId = invest.getTransferApply().getId();
// 购买债权人的id
String userId = invest.getUser().getId();
// 购买的债权本金 transferCorpus（投资时填写的投资额）
double transferCorpus = invest.getInvestMoney();
double remainCorpus = transferService.calculateRemainCorpus(transferApplyId);
if (transferCorpus <= 0 || transferCorpus > remainCorpus) {
throw new YeePayOperationException("购买本金必须小于等于" + remainCorpus + "且大于0");
}
TransferApply ta = ht.get(TransferApply.class, transferApplyId);
// 购买的本金占剩余本金的比例corpusRate
double corpusRate = ArithUtil.div(transferCorpus, remainCorpus);
// 购买的本金占所有转让本金的比例corpusRateInAll
double corpusRateInAll = ArithUtil.div(transferCorpus, ta.getCorpus());
// 投资人实际出的钱=债权的购买金额=债权转出价格*corpusRateInAll (债权转出价格=本金-折让金)
double buyPrice = ArithUtil.mul(ta.getPrice(), corpusRateInAll, 2);
if (buyPrice > userBillBO.getBalance(userId)) {
throw new YeePayOperationException("余额不足。");
}
// 购买时候，扣除手续费，从转让人收到的金额中扣除。费用根据购买价格计算
double fee = feeConfigBO.getFee(FeePoint.TRANSFER, FeeType.FACTORAGE, null, null, buyPrice);
Invest investNew = new Invest();
investNew.setId(IdGenerator.randomUUID());
investNew.setMoney(transferCorpus);
investNew.setStatus(InvestConstants.InvestStatus.CANCEL);
investNew.setRate(ta.getInvest().getRate());
investNew.setTransferApply(ta);
investNew.setLoan(ta.getInvest().getLoan());
investNew.setTime(new Date());
investNew.setUser(new User(userId));
investNew.setInvestMoney(transferCorpus);
// 在这里添加投标状态是手动投标
investNew.setIsAutoInvest(false);
ht.save(investNew);
ht.update(ta);
DecimalFormat currentNumberFormat = new DecimalFormat("#0.00");
// 构建投资参数实体
CPTransaction cp = new CPTransaction();
cp.setNotifyUrl(
YeePayConstants.ResponseS2SUrl.PRE_RESPONSE_URL + YeePayConstants.OperationType.TRANSFER);
cp.setCallbackUrl(
YeePayConstants.ResponseWebUrl.PRE_RESPONSE_URL + YeePayConstants.OperationType.TRANSFER);
// cp.setExpired(new SimpleDateFormat("yyyy-MM-dd HH:mm:ss").format(DateUtil.addMinute(new
// Date(), 10)));
cp.setRequestNo(YeePayConstants.RequestNoPre.TRANSFER + investNew.getId());
cp.setPlateformNo(YeePayConstants.Config.MER_CODE);
cp.setPlatformUserNo(userId);
cp.setBizType(YeepayCpTransactionConstant.CREDIT_ASSIGNMENT.name());
cp.setUserType("MEMBER");
// 资金明细
FundDetail fd = new FundDetail();
// 给转让债权的人的钱
fd.setAmount(currentNumberFormat.format(buyPrice - fee));
fd.setTargetPlatformUserNo(ta.getInvest().getUser().getId());
fd.setTargetUserType("MEMBER");
fd.setBizType(YeepayCpTransactionConstant.CREDIT_ASSIGNMENT.name());
cp.getFundDetails().add(fd);
// 平台分润
if (fee > 0.0) {
fd = new FundDetail();
// 投资人给平台的钱=fee
fd.setAmount(currentNumberFormat.format(fee));
fd.setTargetPlatformUserNo(YeePayConstants.Config.MER_CODE);
fd.setTargetUserType("MERCHANT");
fd.setBizType(YeepayCpTransactionConstant.COMMISSION.name());
cp.getFundDetails().add(fd);
}
// 扩展参数
Extend extend = new Extend();
Loan loan = ta.getInvest().getLoan();
extend.setTenderOrderNo(loan.getId());
extend.setCreditorPlatformUserNo(ta.getInvest().getUser().getId());
// 判断购买的债券是否是自动投标
if (ta.getInvest().getIsAutoInvest()) {
extend.setOriginalRequestNo(
YeePayConstants.RequestNoPre.AUTO_INVEST + ta.getInvest().getId());
} else {
extend.setOriginalRequestNo(YeePayConstants.RequestNoPre.INVEST + ta.getInvest().getId());
}
cp.setExtend(extend);
log.debug(cp.toString());
Map<String, String> params = new HashMap<String, String>();
params.put("req", cp.toString());
String sign = CFCASignUtil.sign(cp.toString());
params.put("sign", sign);
// 保存本地
TrusteeshipOperation to = new TrusteeshipOperation();
to.setId(IdGenerator.randomUUID());
to.setMarkId(investNew.getId());
to.setOperator(Double.toString(buyPrice) + "&" + Double.toString(corpusRate) + "&" + userId);
to.setRequestUrl(YeePayConstants.RequestUrl.TRANSFER);
to.setRequestData(MapUtil.mapToString(params));
to.setStatus(TrusteeshipConstants.Status.UN_SEND);
to.setType(YeePayConstants.OperationType.TRANSFER);
to.setTrusteeship("yeepay");
trusteeshipOperationBO.save(to);
try {
// 发送信息
sendOperation(to.getId(), "utf-8", fc);
} catch (IOException e) {
e.printStackTrace();
}
return null;
}
