@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);
}
@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");
}
}