hfb_sys/backend/internal/modules/distribution/pricing.go

package distribution

import (
	"errors"
	"math"
)

const (
	ModeTwoPartyDistributorReceive = "two_party_distributor_receive"
	ModeTwoPartyPlatformReceive    = "two_party_platform_receive"
	ModeThreeParty                 = "three_party"

	ServiceFeeUnitPercent     = "percent"
	ServiceFeeUnitFixedAmount = "fixed_amount"
	ServiceFeeUnitRatio       = "ratio"
)

var (
	ErrInvalidAmount      = errors.New("invalid distribution amount")
	ErrInvalidRate        = errors.New("invalid distribution rate")
	ErrInvalidServiceUnit = errors.New("invalid service fee unit")
	ErrUnsupportedMode    = errors.New("unsupported distribution mode")
)

// Rule 是后台可编辑的分账规则。比例字段按参与方角色命名，避免方向歧义。
type Rule struct {
	Mode                    string
	PlatformReceiveRatio    float64
	PlatformSellRatio       float64
	DistributorReceiveRatio float64
	DistributorSellRatio    float64
	DistributorARatio       float64
	DistributorBRatio       float64
	ServiceFeeValue         float64
	ServiceFeeUnit          string
	PaymentFeeBPS           int64
	TaxEnabled              bool
	TaxRateBPS              int64
}

// SettlementInput 使用支付单和退款单的整数分快照计算分销费用。
type SettlementInput struct {
	GrossPaidAmountCent int64
	RefundAmountCent    int64
	MarkupAmountCent    int64
	GrossProfitByParty  []PartyProfitInput
}

type PartyProfitInput struct {
	PartyRole        string
	IncomeAmountCent int64
	CostAmountCent   int64
}

type PartyTaxResult struct {
	PartyRole       string `json:"party_role"`
	GrossProfitCent int64  `json:"gross_profit_cent"`
	TaxAmountCent   int64  `json:"tax_amount_cent"`
}

type SettlementResult struct {
	GrossPaidAmountCent int64
	RefundAmountCent    int64
	NetPaidAmountCent   int64
	PaymentFeeCent      int64
	ServiceFeeCent      int64
	MarkupAmountCent    int64
	SplitBaseAmountCent int64
	TaxAmountCent       int64
	TaxByParty          []PartyTaxResult
}

// DefaultRule 返回文档中约定的第一版默认值；调用方应将其写入规则表而非写死到业务流程。
func DefaultRule(mode string) (Rule, error) {
	base := Rule{
		Mode: mode, ServiceFeeValue: 2.5, ServiceFeeUnit: ServiceFeeUnitRatio,
		PaymentFeeBPS: 50, TaxEnabled: false, TaxRateBPS: 100,
	}
	switch mode {
	case ModeTwoPartyDistributorReceive:
		base.DistributorReceiveRatio = 3.5
		base.PlatformSellRatio = 4
	case ModeTwoPartyPlatformReceive:
		base.PlatformReceiveRatio = 3.5
		base.DistributorSellRatio = 4
	case ModeThreeParty:
		base.DistributorARatio = 3.5
		base.DistributorBRatio = 4
	default:
		return Rule{}, ErrUnsupportedMode
	}
	return base, nil
}

// CalculateSettlement 先扣支付手续费，再计算服务费和分成基数；退款金额不能超过支付金额。
func CalculateSettlement(rule Rule, input SettlementInput) (SettlementResult, error) {
	if input.GrossPaidAmountCent < 0 || input.RefundAmountCent < 0 || input.MarkupAmountCent < 0 || input.RefundAmountCent > input.GrossPaidAmountCent {
		return SettlementResult{}, ErrInvalidAmount
	}
	if rule.PaymentFeeBPS < 0 || rule.PaymentFeeBPS > 10000 || rule.TaxRateBPS < 0 || rule.TaxRateBPS > 10000 || rule.ServiceFeeValue < 0 {
		return SettlementResult{}, ErrInvalidRate
	}
	if rule.ServiceFeeUnit != ServiceFeeUnitPercent && rule.ServiceFeeUnit != ServiceFeeUnitFixedAmount && rule.ServiceFeeUnit != ServiceFeeUnitRatio {
		return SettlementResult{}, ErrInvalidServiceUnit
	}
	netPaid := input.GrossPaidAmountCent - input.RefundAmountCent
	paymentFee := roundHalfUp(float64(netPaid) * float64(rule.PaymentFeeBPS) / 10000)
	serviceFee, err := serviceFeeCent(rule, netPaid)
	if err != nil {
		return SettlementResult{}, err
	}
	splitBase := netPaid - paymentFee - serviceFee
	if splitBase < 0 {
		splitBase = 0
	}
	result := SettlementResult{
		GrossPaidAmountCent: input.GrossPaidAmountCent,
		RefundAmountCent:    input.RefundAmountCent,
		NetPaidAmountCent:   netPaid,
		PaymentFeeCent:      paymentFee,
		ServiceFeeCent:      serviceFee,
		MarkupAmountCent:    input.MarkupAmountCent,
		SplitBaseAmountCent: splitBase,
	}
	if rule.TaxEnabled {
		result.TaxByParty = make([]PartyTaxResult, 0, len(input.GrossProfitByParty))
		for _, party := range input.GrossProfitByParty {
			profit := party.IncomeAmountCent - party.CostAmountCent
			tax := roundHalfUp(float64(max(profit, 0)) * float64(rule.TaxRateBPS) / 10000)
			result.TaxAmountCent += tax
			result.TaxByParty = append(result.TaxByParty, PartyTaxResult{PartyRole: party.PartyRole, GrossProfitCent: profit, TaxAmountCent: tax})
		}
	}
	return result, nil
}

func serviceFeeCent(rule Rule, netPaid int64) (int64, error) {
	switch rule.ServiceFeeUnit {
	case ServiceFeeUnitPercent:
		return roundHalfUp(float64(netPaid) * rule.ServiceFeeValue / 100), nil
	case ServiceFeeUnitFixedAmount:
		return roundHalfUp(rule.ServiceFeeValue * 100), nil
	case ServiceFeeUnitRatio:
		if rule.ServiceFeeValue <= 0 {
			return 0, nil
		}
		return roundHalfUp(float64(netPaid) / rule.ServiceFeeValue), nil
	default:
		return 0, ErrInvalidServiceUnit
	}
}

func roundHalfUp(value float64) int64 {
	return int64(math.Floor(value + 0.5))
}

func max(a, b int64) int64 {
	if a > b {
		return a
	}
	return b
}