需求
放款成功后，会生成借款人的还款计划与出借人的回款计划，然后借款人按照还款计划日期操作还款即可。
参考《汇付宝商户账户技术文档》3.14还款扣款，处理业务即可
一、前端整合
1、还款按钮
pages/lend/_id.vue
<td> <a href="javascript:" @click="commitReturn(lendReturn.id)"> {{ lendReturn.status === 0 ? '还款' : '' }} </a> </td>
2、脚本
pages/lend/_id.vue
代码语言：javascript复制commitReturn(lendReturnId) {
this.$alert(
'<div style="size: 18px;color: red;">您即将前往汇付宝确认还款</div>',
'前往汇付宝资金托管平台',
{
dangerouslyUseHTMLString: true,
confirmButtonText: '立即前往',
callback: (action) => {
if (action === 'confirm') {
this.$axios
.$post('/api/core/lendReturn/auth/commitReturn/' lendReturnId)
.then((response) => {
document.write(response.data.formStr)
})
}
},
}
)二、还款接口
1、Controller
LendReturnController
代码语言：javascript复制@ApiOperation("用户还款")
@PostMapping("/auth/commitReturn/{lendReturnId}")
public R commitReturn(
@ApiParam(value = "还款计划id", required = true)
@PathVariable Long lendReturnId, HttpServletRequest request) {
String token = request.getHeader("token");
Long userId = JwtUtils.getUserId(token);
String formStr = lendReturnService.commitReturn(lendReturnId, userId);
return R.ok().data("formStr", formStr);
}2、Service
接口：LendReturnService
代码语言：javascript复制String commitReturn(Long lendReturnId, Long userId);实现：LendReturnServiceImpl
代码语言：javascript复制@Resource
private UserAccountService userAccountService;
@Resource
private LendMapper lendMapper;
@Resource
private UserBindService userBindService;
@Resource
private LendItemReturnService lendItemReturnService;
@Transactional(rollbackFor = Exception.class)
@Override
public String commitReturn(Long lendReturnId, Long userId) {
//获取还款记录
LendReturn lendReturn = baseMapper.selectById(lendReturnId);
//判断账号余额是否充足
BigDecimal amount = userAccountService.getAccount(userId);
Assert.isTrue(amount.doubleValue() >= lendReturn.getTotal().doubleValue(),
ResponseEnum.NOT_SUFFICIENT_FUNDS_ERROR);
//获取借款人code
String bindCode = userBindService.getBindCodeByUserId(userId);
//获取lend
Long lendId = lendReturn.getLendId();
Lend lend = lendMapper.selectById(lendId);
Map<String, Object> paramMap = new HashMap<>();
paramMap.put("agentId", HfbConst.AGENT_ID);
//商户商品名称
paramMap.put("agentGoodsName", lend.getTitle());
//批次号
paramMap.put("agentBatchNo",lendReturn.getReturnNo());
//还款人绑定协议号
paramMap.put("fromBindCode", bindCode);
//还款总额
paramMap.put("totalAmt", lendReturn.getTotal());
paramMap.put("note", "");
//还款明细
List<Map<String, Object>> lendItemReturnDetailList = lendItemReturnService.addReturnDetail(lendReturnId);
paramMap.put("data", JSONObject.toJSONString(lendItemReturnDetailList));
paramMap.put("voteFeeAmt", new BigDecimal(0));
paramMap.put("notifyUrl", HfbConst.BORROW_RETURN_NOTIFY_URL);
paramMap.put("returnUrl", HfbConst.BORROW_RETURN_RETURN_URL);
paramMap.put("timestamp", RequestHelper.getTimestamp());
String sign = RequestHelper.getSign(paramMap);
paramMap.put("sign", sign);
//构建自动提交表单
String formStr = FormHelper.buildForm(HfbConst.BORROW_RETURN_URL, paramMap);
return formStr;
}3、还款明细Service
根据还款id获取回款列表
LendReturnService接口：
List<Map<String, Object>> addReturnDetail(Long lendReturnId);
LendReturnServiceImpl实现：
代码语言：javascript复制@Resource
private UserBindService userBindService;
@Resource
private LendItemMapper lendItemMapper;
@Resource
private LendMapper lendMapper;
@Resource
private LendReturnMapper lendReturnMapper;
/**
* 添加还款明细
* @param lendReturnId
*/
@Override
public List<Map<String, Object>> addReturnDetail(Long lendReturnId) {
//获取还款记录
LendReturn lendReturn = lendReturnMapper.selectById(lendReturnId);
//获取标的信息
Lend lend = lendMapper.selectById(lendReturn.getLendId());
//根据还款id获取回款列表
List<LendItemReturn> lendItemReturnList = this.selectLendItemReturnList(lendReturnId);
List<Map<String, Object>> lendItemReturnDetailList = new ArrayList<>();
for(LendItemReturn lendItemReturn : lendItemReturnList) {
LendItem lendItem = lendItemMapper.selectById(lendItemReturn.getLendItemId());
String bindCode = userBindService.getBindCodeByUserId(lendItem.getInvestUserId());
Map<String, Object> map = new HashMap<>();
//项目编号
map.put("agentProjectCode", lend.getLendNo());
//出借编号
map.put("voteBillNo", lendItem.getLendItemNo());
//收款人（出借人）
map.put("toBindCode", bindCode);
//还款金额
map.put("transitAmt", lendItemReturn.getTotal());
//还款本金
map.put("baseAmt", lendItemReturn.getPrincipal());
//还款利息
map.put("benifitAmt", lendItemReturn.getInterest());
//商户手续费
map.put("feeAmt", new BigDecimal("0"));
lendItemReturnDetailList.add(map);
}
return lendItemReturnDetailList;
}根据还款计划id获取对应的回款计划列表
接口：
List<LendItemReturn> selectLendItemReturnList(Long lendReturnId);
实现：
代码语言：javascript复制@Override
public List<LendItemReturn> selectLendItemReturnList(Long lendReturnId) {
QueryWrapper<LendItemReturn> queryWrapper = new QueryWrapper<>();
queryWrapper.eq("lend_return_id", lendReturnId);
List<LendItemReturn> lendItemReturnList = baseMapper.selectList(queryWrapper);
return lendItemReturnList;
}三、回调接口
1、Controller
LendReturnController
代码语言：javascript复制@ApiOperation("还款异步回调")
@PostMapping("/notifyUrl")
public String notifyUrl(HttpServletRequest request) {
Map<String, Object> paramMap = RequestHelper.switchMap(request.getParameterMap());
log.info("还款异步回调：" JSON.toJSONString(paramMap));
//校验签名
if(RequestHelper.isSignEquals(paramMap)) {
if("0001".equals(paramMap.get("resultCode"))) {
lendReturnService.notify(paramMap);
} else {
log.info("还款异步回调失败：" JSON.toJSONString(paramMap));
return "fail";
}
} else {
log.info("还款异步回调签名错误：" JSON.toJSONString(paramMap));
return "fail";
}
return "success";
}2、Service
接口：LendReturnService
代码语言：javascript复制void notify(Map<String, Object> paramMap);实现：LendReturnServiceImpl
代码语言：javascript复制@Resource
private TransFlowService transFlowService;
@Resource
private UserAccountMapper userAccountMapper;
@Resource
private LendItemReturnMapper lendItemReturnMapper;
@Resource
private LendItemMapper lendItemMapper;
@Transactional(rollbackFor = Exception.class)
@Override
public void notify(Map<String, Object> paramMap) {
log.info("还款成功");
//还款编号
String agentBatchNo = (String)paramMap.get("agentBatchNo");
boolean result = transFlowService.isSaveTransFlow(agentBatchNo);
if(result){
log.warn("幂等性返回");
return;
}
//获取还款数据
String voteFeeAmt = (String)paramMap.get("voteFeeAmt");
QueryWrapper lendReturnQueryWrapper = new QueryWrapper<LendReturn>();
lendReturnQueryWrapper.eq("return_no", agentBatchNo);
LendReturn lendReturn = baseMapper.selectOne(lendReturnQueryWrapper);;
//更新还款状态
lendReturn.setStatus(1);
lendReturn.setFee(new BigDecimal(voteFeeAmt));
lendReturn.setRealReturnTime(LocalDateTime.now());
baseMapper.updateById(lendReturn);
//更新标的信息
Lend lend = lendMapper.selectById(lendReturn.getLendId());
//最后一次还款更新标的状态
if(lendReturn.getLast()) {
lend.setStatus(LendStatusEnum.PAY_OK.getStatus());
lendMapper.updateById(lend);
}
//借款账号转出金额
BigDecimal totalAmt = new BigDecimal((String)paramMap.get("totalAmt"));//还款金额
String bindCode = userBindService.getBindCodeByUserId(lend.getUserId());
userAccountMapper.updateAccount(bindCode, totalAmt.negate(), new BigDecimal(0));
//借款人交易流水
TransFlowBO transFlowBO = new TransFlowBO(
agentBatchNo,
bindCode,
totalAmt,
TransTypeEnum.RETURN_DOWN,
"借款人还款扣减，项目编号：" lend.getLendNo() "，项目名称：" lend.getTitle());
transFlowService.saveTransFlow(transFlowBO);
//获取回款明细
List<LendItemReturn> lendItemReturnList = lendItemReturnService.selectLendItemReturnList(lendReturn.getId());
lendItemReturnList.forEach(item -> {
//更新回款状态
item.setStatus(1);
item.setRealReturnTime(LocalDateTime.now());
lendItemReturnMapper.updateById(item);
//更新出借信息
LendItem lendItem = lendItemMapper.selectById(item.getLendItemId());
lendItem.setRealAmount(item.getInterest());
lendItemMapper.updateById(lendItem);
//投资账号转入金额
String investBindCode = userBindService.getBindCodeByUserId(item.getInvestUserId());
userAccountMapper.updateAccount(investBindCode, item.getTotal(), new BigDecimal(0));
//投资账号交易流水
TransFlowBO investTransFlowBO = new TransFlowBO(
LendNoUtils.getReturnItemNo(),
investBindCode,
item.getTotal(),
TransTypeEnum.INVEST_BACK,
"还款到账，项目编号：" lend.getLendNo() "，项目名称：" lend.getTitle());
transFlowService.saveTransFlow(investTransFlowBO);
});
}上篇链接：
微服务项目：尚融宝（58）（核心业务流程：提现和还款（1））_一个风轻云淡的博客-CSDN博客
https://blog.csdn.net/m0_62436868/article/details/127036047?spm=1001.2014.3001.5501
