@Override
  public CCPCAccount addOrUpdateCCPCAccount(BeneficiaryAccountRequest bnyAccount) {
    CCPCAccount ccpcAccount = null;
    CCPCAccount temp =
        cCPCAccountService.findCCPCAccount(bnyAccount.getUsrLogin(), bnyAccount.getBnyAccNo());
    if (temp != null) {
      temp.setBnyAccName(bnyAccount.getBnyAccName());
      ccpcAccount = cCPCAccountService.updateCCPCAccount(temp);
    } else {
      ccpcAccount = bnyAccountRequestToCCPCAccount(bnyAccount);
      CCPCBank ccpcBank = ccpcBankService.findCCPCBankByBankName(bnyAccount.getBnyBankName());
      ccpcAccount.setAbbrName(ccpcBank == null ? "DEFAULT" : ccpcBank.getAbbrName());
      ccpcAccount = cCPCAccountService.addCCPCAccount(ccpcAccount);
    }

    return ccpcAccount;
  }
  @Override
  public PayInfoResponse pay(PayInfoRequest request) {
    Long usrId = request.getUsrId();
    Assert.notNull(usrId, "usrId should not be null!");
    // 支付密码校验
    MrchUsr mrchUsr = mrchUsrService.findById(usrId);
    if (mrchUsr == null || (!mrchUsr.isUsrState())) {
      throw new AppRTException(
          AppExCode.MRCH_USR_UNAVAILABLE, "mrchUsr[" + usrId + "] not exist or disable!");
    }
    if (StringUtils.isBlank(mrchUsr.getPayPwd())) {
      throw new AppRTException(
          AppExCode.PAY_PWD_NOT_EXIST, "mrchUsr[" + usrId + "] payPwd not exitst");
    }
    if (!mrchUsr.getPayPwd().equalsIgnoreCase(request.getPayPwd())) {
      throw new AppRTException(AppExCode.PAY_PWD_ERROR, "payPwd error");
    }
    // 商户、门店校验
    Merchant merchant = merchantService.findMerchantByMrchNo(request.getMrchNo());
    if (merchant == null || !merchant.isAvailable()) {
      throw new AppRTException(
          AppExCode.MERCHANT_NOT_AVAILABLE, "merchant not exist!" + request.getMrchNo());
    }

    Store store = null;
    if (StringUtils.isNotBlank(request.getStoreNo())) {
      store = storeService.findByStoreNo(request.getStoreNo());
      if (store == null || !store.isAvailable()) {
        throw new AppRTException(
            AppExCode.STORE_NOT_AVAILABLE, "store not exist!" + request.getStoreNo());
      }
    }
    /** 交易流水是否重复* */
    String upSno = request.getTransToken();
    PayCCPC tempPayCCPC = payCCPCService.findPayCCPCByUpSno(upSno);
    if (tempPayCCPC != null) {
      logger.error("payCCPC[upSno:" + upSno + "] exist!!!");
      throw new AppRTException(AppExCode.TRADE_EXIST, "payCCPC[upSno:" + upSno + "] exist");
    }

    // 设置常用联系人 如果不存在则新增
    if (request.getIsFavoriteBnyAcc() != null) {
      if (request.getIsFavoriteBnyAcc()) {
        CCPCAccount temp =
            cCPCAccountService.findCCPCAccount(mrchUsr.getUsrLogin(), request.getBnyAccNo());
        if (temp == null) {
          CCPCAccount ccpcAccount = new CCPCAccount();
          ccpcAccount.setMrchNo(request.getMrchNo());
          ccpcAccount.setUsrLogin(mrchUsr.getUsrLogin());
          ccpcAccount.setRmtAccNo(request.getRmtAccNo());
          ccpcAccount.setBnyAccNo(request.getBnyAccNo());
          ccpcAccount.setBnyAccName(request.getBnyAccName());
          ccpcAccount.setBnyBankName(request.getBnyBankName());
          CCPCBank ccpcBank = ccpcBankService.findCCPCBankByBankName(request.getBnyBankName());
          ccpcAccount.setAbbrName(ccpcBank == null ? "DEFAULT" : ccpcBank.getAbbrName());
          cCPCAccountService.addCCPCAccount(ccpcAccount);
        }
      }
    }

    /** 构造支付流水* */
    String payNo = payNoGenerator.generate();
    Coordinate location = request.getLocation();

    /** 保存电子签名* */
    // 电子签名格式 payNo-transType.png
    boolean isSaveRmtEsignSuccess = false;
    boolean isSaveBnyEsignSuccess = false;
    if (request.getIsNeedBillInfo() != null && request.getIsNeedBillInfo()) {
      String rmtElecSignDataFileName =
          payNo + "-rmt" + "." + XPOSPClientUtils.ESIGNATURE_PICTURE_SUFFIX;
      String bnyElecSignDataFileName =
          payNo + "-bny" + "." + XPOSPClientUtils.ESIGNATURE_PICTURE_SUFFIX;
      isSaveRmtEsignSuccess =
          XPOSPClientUtils.saveElecsignPic(
              rmtElecSignDataFileName,
              request.getMrchNo(),
              request.getStoreNo(),
              request.getRmtElecsignData());
      isSaveBnyEsignSuccess =
          XPOSPClientUtils.saveElecsignPic(
              bnyElecSignDataFileName,
              request.getMrchNo(),
              request.getStoreNo(),
              request.getBnyElecsignData());
      request.setRmtElecsignData(null); // 由于电子签名数据量大,保存成功后清空
      request.setBnyElecsignData(null); // 由于电子签名数据量大,保存成功后清空
    }

    PayCCPC payCCPC = new PayCCPC();
    payCCPC.setPayNo(payNo);
    payCCPC.setMrchNo(request.getMrchNo());
    payCCPC.setMrchName(merchant.getMrchName());
    payCCPC.setStoreNo(request.getStoreNo());
    payCCPC.setStoreName(store == null ? null : store.getStoreName());
    payCCPC.setOperatorName(mrchUsr.getUsrName());
    payCCPC.setUpSno(upSno);
    payCCPC.setImei(request.getImei());
    payCCPC.setLatitude(location == null ? null : location.getLatitude());
    payCCPC.setLongitude(location == null ? null : location.getLongitude());
    payCCPC.setRmtAccNo(request.getRmtAccNo());
    payCCPC.setRmtBankName(request.getRmtBankName());
    payCCPC.setBnyAccNo(request.getBnyAccNo());
    payCCPC.setBnyAccName(request.getBnyAccName());
    payCCPC.setBnyBankName(request.getBnyBankName());
    payCCPC.setIsNeedBillInfo(
        request.getIsNeedBillInfo() == null ? false : request.getIsNeedBillInfo());
    payCCPC.setNotifyMobile(request.getNotifyMobile());
    payCCPC.setRmtElecsignStatus(
        isSaveRmtEsignSuccess ? Const.VLDSTATE_VALID : Const.VLDSTATE_INVALID);
    payCCPC.setBnyElecsignStatus(
        isSaveBnyEsignSuccess ? Const.VLDSTATE_VALID : Const.VLDSTATE_INVALID);
    payCCPC.setCnaps(request.getCnaps());
    payCCPC.setBnyAmt(request.getBnyAmt());
    payCCPC.setBnyRealAmt(request.getBnyAmt());
    payCCPC.setRemitStatus(CCPCConfig.REMIT_STATUS_CCPC_PROCESSING);
    payCCPC.setUsrLogin(mrchUsr.getUsrLogin());
    payCCPC.setRemark(request.getRemark());
    payCCPCService.addPayCCPC(payCCPC);
    // 对外付款
    payCCPC = remitProcess.pay(payCCPC);
    PayInfoResponse response = payCCPCToPayInfoResponse(payCCPC);
    return response;
  }