feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计 - 新增极品专区发布权限、赔付方案与保险结算费率快照 - 优化首页、商品卡和个人中心的优质号主身份展示
2026-11-04 15:04:35 +08:00
parent 812e95e7d1
commit 98174c0e33
90 changed files with 3478 additions and 64 deletions
@@ -0,0 +1,378 @@
+package qualityowner
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"strings"
+	"time"
+
+	"hfb_sys/backend/internal/auditlog"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/wallet"
+
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+var (
+	ErrDependencyUnavailable = errors.New("dependency unavailable")
+	ErrInvalidUser           = errors.New("invalid user")
+	ErrAlreadyActive         = errors.New("quality owner already active")
+	ErrInactive              = errors.New("quality owner inactive")
+	ErrDepositInsufficient   = errors.New("quality owner deposit insufficient")
+	ErrInvalidReason         = errors.New("invalid reason")
+	ErrPaymentPending        = errors.New("quality owner payment pending")
+)
+
+type AuditMeta = auditlog.Meta
+
+type Repository struct {
+	db *gorm.DB
+}
+
+func NewRepository(db *gorm.DB) *Repository {
+	return &Repository{db: db}
+}
+
+func (r *Repository) Rules(ctx context.Context) (Rules, error) {
+	if r == nil || r.db == nil {
+		return Rules{}, ErrDependencyUnavailable
+	}
+	var row model.SystemConfig
+	err := r.db.WithContext(ctx).Where("`key` = ?", ConfigKey).First(&row).Error
+	if errors.Is(err, gorm.ErrRecordNotFound) {
+		return DefaultRules(), nil
+	}
+	if err != nil {
+		return Rules{}, err
+	}
+	return ParseConfigValue(row.Value)
+}
+
+func (r *Repository) Status(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).First(&user, userID).Error; err != nil {
+		return nil, err
+	}
+	var account model.WalletAccount
+	walletErr := r.db.WithContext(ctx).
+		Where("user_id = ? AND distribution_site_id = 0", userID).
+		First(&account).Error
+	if walletErr != nil && !errors.Is(walletErr, gorm.ErrRecordNotFound) {
+		return nil, walletErr
+	}
+	return toStatusDTO(user, account, rules), nil
+}
+
+// PaymentAmount 返回当前用户在线支付开通优质号主所需的保证金金额。
+// active=true 表示用户已经是优质号主，无需再创建支付单。
+func (r *Repository) PaymentAmount(ctx context.Context, userID uint64) (int64, bool, error) {
+	if r == nil || r.db == nil {
+		return 0, false, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return 0, false, ErrInvalidUser
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).First(&user, userID).Error; err != nil {
+		return 0, false, err
+	}
+	if user.QualityOwnerStatus == StatusActive {
+		return 0, true, nil
+	}
+	if user.Status != "active" || user.RealnameStatus != "verified" {
+		return 0, false, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return 0, false, err
+	}
+	return rules.DepositAmountCent, false, nil
+}
+
+// ConfirmQualityOwnerDepositPaidTx 在支付回调事务内完成在线保证金入账并开通资格。
+// 外部支付已经由渠道完成，因此这里只增加冻结余额，不再扣减可用余额。
+func (r *Repository) ConfirmQualityOwnerDepositPaidTx(tx *gorm.DB, userID uint64, amountCent int64, paymentNo string) error {
+	if tx == nil || userID == 0 || amountCent <= 0 {
+		return ErrInvalidUser
+	}
+	var user model.User
+	if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+		return err
+	}
+	// 同一支付回调可能重复到达；已经是优质号主时保持幂等。
+	if user.QualityOwnerStatus == StatusActive {
+		return nil
+	}
+	if err := wallet.EnsureAccountTx(tx, userID, 0); err != nil {
+		return err
+	}
+	if err := wallet.AppendEntries(tx, wallet.Entry{
+		UserID:      userID,
+		Direction:   "in",
+		AmountCent:  amountCent,
+		BalanceType: "frozen",
+		BizType:     "quality_owner_deposit",
+		BizNo:       paymentNo,
+		Remark:      "在线支付优质号主保证金",
+	}); err != nil {
+		return err
+	}
+	now := time.Now()
+	beforeStatus := user.QualityOwnerStatus
+	user.QualityOwnerStatus = StatusActive
+	user.QualityOwnerDepositCent = amountCent
+	user.QualityOwnerDepositSource = DepositSourcePaid
+	user.QualityOwnerActivatedAt = &now
+	if err := tx.Save(&user).Error; err != nil {
+		return err
+	}
+	return auditlog.Append(tx, auditlog.Entry{
+		ActorType: "user",
+		ActorID:   userID,
+		Action:    "quality_owner.activate",
+		BizType:   "user",
+		BizID:     &userID,
+		Detail: map[string]any{
+			"before_status":       beforeStatus,
+			"after_status":        user.QualityOwnerStatus,
+			"deposit_amount_cent": amountCent,
+			"deposit_source":      DepositSourcePaid,
+			"payment_no":          paymentNo,
+			"pay_method":          "online",
+		},
+	})
+}
+
+func (r *Repository) Activate(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	err = r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		if user.RealnameStatus != "verified" {
+			return ErrInvalidUser
+		}
+		if user.Status != "active" {
+			return ErrInvalidUser
+		}
+		if user.QualityOwnerStatus == StatusActive {
+			return ErrAlreadyActive
+		}
+		var pendingPaymentCount int64
+		if err := tx.Model(&model.PaymentOrder{}).
+			Where(
+				"user_id = ? AND biz_type = ? AND status IN ? AND updated_at >= ?",
+				userID,
+				"quality_owner_pay",
+				[]string{"created", "paying"},
+				time.Now().Add(-30*time.Minute),
+			).
+			Count(&pendingPaymentCount).Error; err != nil {
+			return err
+		}
+		if pendingPaymentCount > 0 {
+			return ErrPaymentPending
+		}
+		if err := wallet.EnsureAccountTx(tx, userID, 0); err != nil {
+			return err
+		}
+		bizNo := fmt.Sprintf("QO%d", userID)
+		err := wallet.AppendEntries(tx,
+			wallet.Entry{
+				UserID:      userID,
+				Direction:   "out",
+				AmountCent:  rules.DepositAmountCent,
+				BalanceType: "available",
+				BizType:     "quality_owner_deposit",
+				BizNo:       bizNo,
+				Remark:      "缴纳优质号主保证金",
+			},
+			wallet.Entry{
+				UserID:      userID,
+				Direction:   "in",
+				AmountCent:  rules.DepositAmountCent,
+				BalanceType: "frozen",
+				BizType:     "quality_owner_deposit",
+				BizNo:       bizNo,
+				Remark:      "优质号主保证金冻结",
+			},
+		)
+		if errors.Is(err, wallet.ErrInsufficientBalance) {
+			return ErrDepositInsufficient
+		}
+		if err != nil {
+			return err
+		}
+		now := time.Now()
+		beforeStatus := user.QualityOwnerStatus
+		user.QualityOwnerStatus = StatusActive
+		user.QualityOwnerDepositCent = rules.DepositAmountCent
+		user.QualityOwnerDepositSource = DepositSourcePaid
+		user.QualityOwnerActivatedAt = &now
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		return auditlog.Append(tx, auditlog.Entry{
+			ActorType: "user",
+			ActorID:   userID,
+			Action:    "quality_owner.activate",
+			BizType:   "user",
+			BizID:     &userID,
+			Detail: map[string]any{
+				"before_status":       beforeStatus,
+				"after_status":        user.QualityOwnerStatus,
+				"deposit_amount_cent": rules.DepositAmountCent,
+				"deposit_source":      DepositSourcePaid,
+			},
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Status(ctx, userID)
+}
+
+func (r *Repository) AdminSet(ctx context.Context, adminID uint64, userID uint64, req AdminSetRequest, meta AuditMeta) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	reason := strings.TrimSpace(req.Reason)
+	if userID == 0 || adminID == 0 {
+		return nil, ErrInvalidUser
+	}
+	if len([]rune(reason)) < 2 || len([]rune(reason)) > 200 {
+		return nil, ErrInvalidReason
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	err = r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		beforeStatus := user.QualityOwnerStatus
+		beforeDepositCent := user.QualityOwnerDepositCent
+		beforeSource := user.QualityOwnerDepositSource
+		if req.Enabled {
+			if user.Status != "active" {
+				return ErrInvalidUser
+			}
+			if beforeStatus != StatusActive {
+				now := time.Now()
+				user.QualityOwnerStatus = StatusActive
+				user.QualityOwnerDepositCent = rules.DepositAmountCent
+				user.QualityOwnerDepositSource = DepositSourceManual
+				user.QualityOwnerActivatedAt = &now
+			}
+		} else {
+			if beforeStatus != StatusActive {
+				return ErrInactive
+			}
+			if beforeSource == DepositSourcePaid && beforeDepositCent > 0 {
+				err := wallet.AppendEntries(tx,
+					wallet.Entry{
+						UserID:      userID,
+						Direction:   "out",
+						AmountCent:  beforeDepositCent,
+						BalanceType: "frozen",
+						BizType:     "quality_owner_deposit_refund",
+						BizNo:       fmt.Sprintf("QOR%d", userID),
+						Remark:      "取消优质号主，解冻保证金",
+					},
+					wallet.Entry{
+						UserID:      userID,
+						Direction:   "in",
+						AmountCent:  beforeDepositCent,
+						BalanceType: "available",
+						BizType:     "quality_owner_deposit_refund",
+						BizNo:       fmt.Sprintf("QOR%d", userID),
+						Remark:      "优质号主保证金退回",
+					},
+				)
+				if err != nil {
+					return err
+				}
+			}
+			user.QualityOwnerStatus = StatusNone
+			user.QualityOwnerDepositCent = 0
+			user.QualityOwnerDepositSource = ""
+			user.QualityOwnerActivatedAt = nil
+			if err := tx.Model(&model.RentalListing{}).
+				Where("owner_id = ? AND is_premium = ? AND status IN ?", userID, true, []string{"draft", "published"}).
+				Updates(map[string]any{
+					"status":        "offline",
+					"review_status": "none",
+					"review_reason": "优质号主资格已取消",
+				}).Error; err != nil {
+				return err
+			}
+		}
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		if err := auditlog.Append(tx, auditlog.Entry{
+			ActorType: "admin",
+			ActorID:   adminID,
+			Action:    "admin_user.set_quality_owner",
+			BizType:   "user",
+			BizID:     &userID,
+			Meta:      meta,
+			Detail: map[string]any{
+				"user_id":               userID,
+				"reason":                reason,
+				"before_status":         beforeStatus,
+				"after_status":          user.QualityOwnerStatus,
+				"before_deposit_cent":   beforeDepositCent,
+				"after_deposit_cent":    user.QualityOwnerDepositCent,
+				"before_deposit_source": beforeSource,
+				"after_deposit_source":  user.QualityOwnerDepositSource,
+			},
+		}); err != nil {
+			return err
+		}
+		return nil
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Status(ctx, userID)
+}
+
+func toStatusDTO(user model.User, account model.WalletAccount, rules Rules) *StatusDTO {
+	return &StatusDTO{
+		UserID:                 user.ID,
+		Active:                 user.QualityOwnerStatus == StatusActive,
+		Status:                 user.QualityOwnerStatus,
+		DepositAmountCent:      user.QualityOwnerDepositCent,
+		DepositSource:          user.QualityOwnerDepositSource,
+		ActivatedAt:            user.QualityOwnerActivatedAt,
+		AvailableBalanceCent:   account.AvailableBalanceCent,
+		RequiredDepositCent:    rules.DepositAmountCent,
+		InsuranceFeeBps:        rules.InsuranceFeeBps,
+		PremiumInsuranceFeeBps: rules.PremiumInsuranceFeeBps,
+	}
+}