@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;
}
@SuppressWarnings("unchecked")
@Override
@Transactional(rollbackFor = Exception.class)
public void receiveOperationS2SCallback(ServletRequest request, ServletResponse response) {
try {
request.setCharacterEncoding("UTF-8");
} catch (UnsupportedEncodingException e) {
throw new RuntimeException(e);
}
String respXML = request.getParameter("notify"); // 响应的参数 为xml格式
log.debug("债权转让s2sCallback respXML：" + respXML.toString());
String sign = request.getParameter("sign"); // 签名
boolean flag = CFCASignUtil.isVerifySign(respXML, sign);
if (flag) { // 验签成功
Map<String, String> map = Dom4jUtil.xmltoMap(respXML);
String code = map.get("code");
String requestNo =
map.get("requestNo").replaceFirst(YeePayConstants.RequestNoPre.TRANSFER, "");
if ("1".equals(code)) { // 易宝冻结金额成功
TrusteeshipOperation to =
trusteeshipOperationBO.get(YeePayConstants.OperationType.TRANSFER, requestNo, "yeepay");
ht.evict(to);
to =
trusteeshipOperationBO.get(YeePayConstants.OperationType.TRANSFER, requestNo, "yeepay");
ht.evict(to);
to = ht.get(TrusteeshipOperation.class, to.getId(), LockMode.UPGRADE);
String[] params = to.getOperator().split("&");
Invest invest = ht.get(Invest.class, requestNo); // 债权购买人购买的债权转换成的一笔投资
TransferApply ta = ht.get(TransferApply.class, invest.getTransferApply().getId()); // 债权转让申请
if (TrusteeshipConstants.Status.PASSED.equals(to.getStatus())) {
return;
}
// 调用易宝转账确认端口
boolean result =
yeepayCpTransacionOperation.transactionComform(
YeePayConstants.RequestNoPre.TRANSFER + requestNo, "CONFIRM");
if (result) { // 易宝转账确认成功
to.setStatus(TrusteeshipConstants.Status.PASSED);
ht.update(to);
/**
* ***********************************平台操作begin**************************************************
*/
if (invest != null && ta != null) {
invest.setStatus(InvestConstants.InvestStatus.REPAYING);
invest.setTime(new Date()); // 成交时间
Invest orignInvest = ta.getInvest(); // 债权转让人转让的一笔投资
double investReaminCorpus =
ArithUtil.sub(orignInvest.getMoney(), invest.getMoney()); // 原投资债权转让后剩余的投资金额
if (investReaminCorpus == 0.0) {
orignInvest.setStatus(InvestStatus.COMPLETE);
}
orignInvest.setMoney(investReaminCorpus);
double remainCorpus = transferService.calculateRemainCorpus(ta.getId()); // 未转出的本金
if (remainCorpus > 0.0) { // 债权未全部转出
ta.setStatus(TransferStatus.TRANSFERING);
} else { // 债权全部转出
ta.setStatus(TransferStatus.TRANSFED);
}
// 债权的购买金额
double buyPrice = Double.parseDouble(params[0]);
// 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);
// 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
try {
userBillBO.transferOutFromBalance(
invest.getUser().getId(),
buyPrice,
OperatorInfo.TRANSFER_BUY,
"债权：" + invest.getId() + "购买成功");
userBillBO.transferIntoBalance(
ta.getInvest().getUser().getId(),
buyPrice,
OperatorInfo.TRANSFER,
"债权：" + invest.getId() + "转让成功");
if (fee > 0.0) {
sbs.transferInto(fee, OperatorInfo.TRANSFER, "购买债权手续费，编号：" + invest.getId());
userBillBO.transferOutFromBalance(
ta.getInvest().getUser().getId(),
fee,
OperatorInfo.TRANSFER,
"债权转让成功手续费，编号：" + ta.getId());
}
} catch (InsufficientBalance e) {
log.debug("s2sCallback债权转让平台划款时出错！");
// throw new RuntimeException("债权转让平台划款时出错！");
}
ta.setInvest(orignInvest);
ht.update(invest);
ht.update(ta);
double corpusRate = Double.parseDouble(params[1]); // 购买的本金占剩余本金的比例
generateTransferRepay(
ta.getInvest().getInvestRepays(), invest, corpusRate); // 生成购买债权后的还款数据，调整之前的还款数据
/**
* ***********************************平台操作end*********************************************************
*/
}
} else { // 易宝转账确认失败
to.setStatus(TrusteeshipConstants.Status.REFUSED);
ht.update(to);
/**
* ***********************************平台操作begin**************************************************
* if(invest != null && ta != null){
* invest.setStatus(InvestConstants.InvestStatus.CANCEL);
* ta.setStatus(TransferStatus.TRANSFERING); double buyPrice
* =Double.parseDouble(params[0]) ;//债权的购买金额 try {
* userBillBO.unfreezeMoney(invest.getUser().getId(),buyPrice,OperatorInfo.TRANSFER, "债权："
* + invest.getId()+ "购买失败"); } catch (InsufficientBalance e) { throw new
* RuntimeException("购买债权："+ invest.getId() + "失败，解冻金额时出错！"); } ht.update(invest);
* ht.update(ta); }
* ***********************************平台操作end**************************************************
*/
// throw new YeePayOperationException("债权转让易宝转账确认失败");
}
}
} else { // 验签失败
log.debug("债权转让验签失败");
}
}
@Transactional(rollbackFor = Exception.class)
public void overdueRepay(String repayId, String repayerId)
throws InsufficientBalance, OverdueRepayException {
LoanRepay lr = ht.get(LoanRepay.class, repayId);
ht.evict(lr);
lr = ht.get(LoanRepay.class, repayId, LockMode.UPGRADE);
if (lr.getStatus().equals(LoanConstants.RepayStatus.OVERDUE)
|| lr.getStatus().equals(LoanConstants.RepayStatus.BAD_DEBT)
|| lr.getStatus().equals(RepayStatus.WAIT_REPAY_VERIFY)) {
List<InvestRepay> irs =
ht.find(
"from InvestRepay ir where ir.invest.loan.id=? and ir.period=?",
new Object[] {lr.getLoan().getId(), lr.getPeriod()});
double defaultInterest = lr.getDefaultInterest();
HashSet<Invest> invests = new HashSet<Invest>();
// 更改投资的还款信息
for (InvestRepay ir : irs) {
ir.setStatus(LoanConstants.RepayStatus.COMPLETE);
ir.setTime(new Date());
ht.update(ir);
invests.add(ir.getInvest());
userBillBO.transferIntoBalance(
ir.getInvest().getUser().getId(),
ArithUtil.add(ir.getCorpus(), ir.getInterest(), ir.getDefaultInterest()),
OperatorInfo.OVERDUE_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款, 还款ID:"
+ lr.getId()
+ " 借款ID:"
+ lr.getLoan().getId()
+ " 本金："
+ ir.getCorpus()
+ " 利息："
+ ir.getInterest()
+ " 罚息："
+ ir.getDefaultInterest());
// 系统回收体验金
if (ir.getCorpusToSystem() != null && ir.getCorpusToSystem() > 0) {
systemBillService.transferInto(
ir.getCorpusToSystem(),
OperatorInfo.OVERDUE_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，回收体验金, 还款ID:" + ir.getId());
}
defaultInterest = ArithUtil.sub(defaultInterest, ir.getDefaultInterest());
// 投资者手续费
userBillBO.transferOutFromBalance(
ir.getInvest().getUser().getId(),
ir.getFee(),
OperatorInfo.OVERDUE_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，扣除手续费, 还款ID:" + lr.getId());
systemBillService.transferInto(
ir.getFee(),
OperatorInfo.OVERDUE_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款，扣除手续费, 还款ID:"
+ lr.getId()
+ ",项目ID:"
+ ir.getInvest().getLoan().getId());
}
// 更改借款的还款信息
double payMoney =
ArithUtil.add(
ArithUtil.add(lr.getCorpus(), lr.getInterest()),
lr.getFee(),
lr.getDefaultInterest());
lr.setTime(new Date());
lr.setStatus(LoanConstants.RepayStatus.COMPLETE);
// 记录repayWay信息，还款者id，如果有此id，则为代偿
lr.setRepayWay(repayerId);
// 代偿账户，扣除还款。
userBillBO.transferOutFromBalance(
repayerId,
payMoney,
OperatorInfo.OVERDUE_REPAY,
"借款："
+ lr.getLoan().getId()
+ "逾期还款, 还款ID："
+ lr.getId()
+ " 本金："
+ lr.getCorpus()
+ " 利息："
+ lr.getInterest()
+ " 手续费："
+ lr.getFee()
+ " 罚息："
+ lr.getDefaultInterest());
// 借款者手续费
systemBillService.transferInto(
lr.getFee(),
OperatorInfo.OVERDUE_REPAY,
"项目ID:" + lr.getLoan().getId() + "逾期还款，扣除手续费， 还款ID：" + lr.getId());
// 罚息转入网站账户
systemBillService.transferInto(
defaultInterest,
OperatorInfo.OVERDUE_REPAY,
"项目ID:" + lr.getLoan().getId() + "逾期还款，扣除罚金， 还款ID：" + lr.getId());
ht.merge(lr);
Long count =
(Long)
ht.find(
"select count(repay) from LoanRepay repay where repay.loan.id=? and (repay.status=? or repay.status=?)",
lr.getLoan().getId(),
RepayStatus.OVERDUE,
RepayStatus.BAD_DEBT)
.get(0);
if (count == 0) {
// 如果没有逾期或者坏账的还款，则更改借款状态。
lr.getLoan().setStatus(LoanStatus.REPAYING);
ht.update(lr.getLoan());
for (Invest invest : invests) {
invest.setStatus(InvestStatus.REPAYING);
ht.update(invest);
}
}
// 如果不是自己还款，则产生代偿
if (!lr.getLoan().getUser().getId().equals(repayerId)) {
RepayCompensation rc = new RepayCompensation();
rc.setId(IdGenerator.randomUUID());
rc.setLoanRepay(lr);
rc.setRepayer(new User(repayerId));
rc.setCompensateTime(new Date());
rc.setStatus(CompensationStatus.COMPENSATED);
ht.save(rc);
}
// 判断是否所有还款结束，更改等待还款的投资状态和还款状态，还有项目状态。
loanService.dealComplete(lr.getLoan().getId());
try {
cancelTransfering(lr.getLoan().getId());
} catch (RepayException e) {
throw new OverdueRepayException(e.getMessage(), e.getCause());
}
} else {
throw new OverdueRepayException("还款不处于逾期还款状态");
}
}
@Transactional(readOnly = false, rollbackFor = Exception.class)
public void normalRepay(LoanRepay repay, String repayerId)
throws InsufficientBalance, NormalRepayException {
ht.evict(repay);
repay = ht.get(LoanRepay.class, repay.getId(), LockMode.UPGRADE);
// 正常还款
if (!(repay.getStatus().equals(LoanConstants.RepayStatus.REPAYING)
&& !(repay.getStatus().equals(LoanConstants.RepayStatus.REPAYING_BACK)))) {
// 该还款不处于正常还款状态。
throw new NormalRepayException("还款：" + repay.getId() + "不处于正常还款状态。");
}
List<InvestRepay> irs =
ht.find(
"from InvestRepay ir where ir.invest.loan.id=? and ir.period=?",
new Object[] {repay.getLoan().getId(), repay.getPeriod()});
// TODO:投资的所有还款信息加和，判断是否等于借款的还款信息，如果不相等，抛异常
// 更改投资的还款信息
for (InvestRepay ir : irs) {
ir.setStatus(LoanConstants.RepayStatus.COMPLETE);
ir.setTime(new Date());
ht.update(ir);
userBillBO.transferIntoBalance(
ir.getInvest().getUser().getId(),
ArithUtil.add(ir.getCorpus(), ir.getInterest()),
OperatorInfo.NORMAL_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款, 还款ID:"
+ repay.getId()
+ " 借款ID:"
+ repay.getLoan().getId()
+ " 本金："
+ ir.getCorpus()
+ " 利息："
+ ir.getInterest());
if (ir.getCorpusToSystem() != null && ir.getCorpusToSystem() != 0) {
// 系统回收体验金
systemBillService.transferInto(
ir.getCorpusToSystem(),
OperatorInfo.NORMAL_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，回收体验金, 还款ID:" + repay.getId());
}
// 投资者手续费
userBillBO.transferOutFromBalance(
ir.getInvest().getUser().getId(),
ir.getFee(),
OperatorInfo.NORMAL_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，扣除手续费, 还款ID:" + repay.getId());
systemBillService.transferInto(
ir.getFee(),
OperatorInfo.NORMAL_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款，扣除手续费, 还款ID:"
+ repay.getId()
+ ",项目ID:"
+ ir.getInvest().getLoan().getId());
}
try {
cancelTransfering(repay.getLoan().getId());
} catch (RepayException e) {
throw new NormalRepayException(e.getMessage(), e.getCause());
}
// 更改借款的还款信息
double payMoney =
ArithUtil.add(ArithUtil.add(repay.getCorpus(), repay.getInterest()), repay.getFee());
repay.setTime(new Date());
repay.setStatus(LoanConstants.RepayStatus.COMPLETE);
// 记录repayWay信息，还款者id，如果有此id，则为代偿
repay.setRepayWay(repayerId);
// 借款者的账户，扣除还款。
userBillBO.transferOutFromBalance(
repayerId,
payMoney,
OperatorInfo.NORMAL_REPAY,
"借款："
+ repay.getLoan().getId()
+ "正常还款, 还款ID："
+ repay.getId()
+ " 本金："
+ repay.getCorpus()
+ " 利息："
+ repay.getInterest()
+ " 手续费："
+ repay.getFee());
// 借款者手续费
systemBillService.transferInto(
repay.getFee(),
OperatorInfo.NORMAL_REPAY,
"项目ID:" + repay.getLoan().getId() + "正常还款，扣除手续费， 还款ID：" + repay.getId());
ht.merge(repay);
// 如果不是自己还款，则产生代偿
if (!repay.getLoan().getUser().getId().equals(repayerId)) {
RepayCompensation rc = new RepayCompensation();
rc.setId(IdGenerator.randomUUID());
rc.setLoanRepay(repay);
rc.setRepayer(new User(repayerId));
rc.setCompensateTime(new Date());
rc.setStatus(CompensationStatus.COMPENSATED);
ht.save(rc);
}
// 判断是否所有还款结束，更改等待还款的投资状态和还款状态，还有项目状态。
loanService.dealComplete(repay.getLoan().getId());
}