bot-28/app/Services/Agent/AgentWalletService.php

<?php

namespace App\Services\Agent;

use App\Models\Agent\Agent;
use App\Models\Agent\AgentBalanceLog;
use App\Models\Agent\AgentProfitCommissionProfile;
use App\Models\Agent\AgentProfitEntry;
use App\Models\Agent\AgentRechargeLock;
use App\Models\Agent\AgentSetting;
use Illuminate\Support\Facades\DB;

/**
 * 代理资金唯一入口。
 *
 * 合营代理：总余额 balance = 保证金本金 margin_amount + 盈亏（可为负）。
 * - 充值全部计入保证金本金，不可提现；
 * - 盈亏为负时等于从保证金扣除，之后的盈利先补足保证金；
 * - 只有超出保证金本金的部分可以提现。
 * realtime_balance = balance + 尚未入账的实时分成，是判断「实时保证金」的内部字段，不对代理展示。
 *
 * 入股代理：充值计入余额，可以立即购买股份；但充值后 N 天（入股配置 equity_recharge_lock_days，默认 7）内不能提现，
 * 记录在 agent_recharge_locks。购买股份优先消耗锁定中的充值。可提现 = 余额 − 锁定中的金额。
 */
class AgentWalletService
{
    /** 类型 => 方向（1 加，-1 减）。profit_share 单独走 creditProfitShare。 */
    private const DIRECTIONS = [
        'credit' => 1, 'debit' => -1, 'recharge' => 1, 'withdraw_refund' => 1,
        'equity_purchase' => -1, 'margin_credit' => 1, 'margin_refund' => -1,
    ];

    private array $lookups = [];

    public const TYPE_NAMES = [
        'credit' => '人工加款', 'debit' => '人工扣款', 'recharge' => '充值', 'withdraw_refund' => '提现退回',
        'withdraw_freeze' => '提现冻结', 'equity_purchase' => '购买股份', 'margin_credit' => '人工增加保证金',
        'margin_refund' => '退还保证金', 'profit_share' => '合营分成', 'commission' => '佣金(旧)',
    ];

    public function adjust(
        int $agentId,
        string $amount,
        string $type,
        string $remark,
        string $idempotencyKey,
        string $operatorType,
        ?int $operatorId,
        string $referenceType = '',
        ?int $referenceId = null
    ): AgentBalanceLog {
        if (!isset(self::DIRECTIONS[$type])) {
            throw new \InvalidArgumentException('资金变动类型错误');
        }
        if (bccomp($amount, '0', 4) <= 0) {
            throw new \InvalidArgumentException('金额必须大于0');
        }

        return DB::transaction(function () use ($agentId, $amount, $type, $remark, $idempotencyKey, $operatorType, $operatorId, $referenceType, $referenceId) {
            $agent = Agent::query()->lockForUpdate()->findOrFail($agentId);
            $existing = AgentBalanceLog::query()->where('idempotency_key', $idempotencyKey)->lockForUpdate()->first();
            if ($existing) {
                $this->assertSameAdjustment($existing, $agentId, $type, $amount);
                return $existing;
            }
            $signed = self::DIRECTIONS[$type] > 0 ? bcadd($amount, '0', 4) : bcsub('0', $amount, 4);
            $before = bcadd((string) $agent->balance, '0', 4);
            $after = bcadd($before, $signed, 4);
            $realtime = bcadd((string) $agent->realtime_balance, $signed, 4);
            // 扣款后，待入账分成按结算日依次入账时余额也不能为负（同时保证实时余额不为负）。
            if (self::DIRECTIONS[$type] < 0 && bccomp(bcadd($after, $this->pendingFloor($agent), 4), '0', 4) < 0) {
                throw new \RuntimeException('代理余额不足');
            }
            $agent->balance = $after;
            $agent->realtime_balance = $realtime;
            if (($type === 'recharge' && $agent->isJoint()) || $type === 'margin_credit') {
                $agent->margin_amount = bcadd((string) $agent->margin_amount, $amount, 4);
            } elseif ($type === 'margin_refund') {
                if (bccomp((string) $agent->margin_amount, $amount, 4) < 0) {
                    throw new \RuntimeException('退还金额不能超过保证金');
                }
                $agent->margin_amount = bcsub((string) $agent->margin_amount, $amount, 4);
            }
            $agent->save();
            $log = AgentBalanceLog::query()->create([
                'agent_id' => $agentId, 'type' => $type, 'amount' => $signed,
                'before_balance' => $before, 'after_balance' => $after,
                'operator_type' => $operatorType, 'operator_id' => $operatorId,
                'idempotency_key' => $idempotencyKey, 'remark' => $remark,
                'reference_type' => $referenceType, 'reference_id' => $referenceId,
            ]);
            if ($type === 'recharge' && $agent->isEquity()) {
                $this->lockRecharge($agent, $log, $amount, $referenceType, $referenceId);
            } elseif ($type === 'equity_purchase') {
                $this->consumeLocks((int) $agent->id, $amount);
            }
            $this->evaluateActivation($agent);
            return $log;
        });
    }

    /** 入股代理的充值锁定 N 天。调用方已在事务内锁住代理。 */
    private function lockRecharge(Agent $agent, AgentBalanceLog $log, string $amount, string $referenceType, ?int $referenceId): void
    {
        $days = (int) AgentSetting::current()->equity_recharge_lock_days;
        if ($days <= 0) return;
        AgentRechargeLock::query()->create([
            'agent_id' => $agent->id, 'balance_log_id' => $log->id,
            'reference_type' => $referenceType, 'reference_id' => $referenceId,
            'amount' => $amount, 'remaining' => $amount, 'unlock_at' => now()->addDays($days),
        ]);
    }

    /** 购买股份先用锁定中的充值（先到期的先用），用完再用可提现余额。 */
    private function consumeLocks(int $agentId, string $amount): void
    {
        $left = bcadd($amount, '0', 4);
        $locks = AgentRechargeLock::query()->where('agent_id', $agentId)->where('unlock_at', '>', now())
            ->where('remaining', '>', 0)->orderBy('unlock_at')->orderBy('id')->lockForUpdate()->get();
        foreach ($locks as $lock) {
            if (bccomp($left, '0', 4) <= 0) break;
            $take = bccomp((string) $lock->remaining, $left, 4) < 0 ? bcadd((string) $lock->remaining, '0', 4) : $left;
            $lock->remaining = bcsub((string) $lock->remaining, $take, 4);
            $lock->save();
            $left = bcsub($left, $take, 4);
        }
    }

    /** 入股代理仍在锁定期内的充值金额。 */
    public function lockedAmount(Agent $agent): string
    {
        if (!$agent->isEquity()) return '0.0000';
        $sum = AgentRechargeLock::query()->where('agent_id', $agent->id)->where('unlock_at', '>', now())->sum('remaining');
        return bcadd((string) $sum, '0', 4);
    }

    /** 入股代理锁定中的充值明细（按到期时间），给资金页展示「X 月 X 日后可提现」。 */
    public function activeLocks(Agent $agent): array
    {
        if (!$agent->isEquity()) return [];
        return AgentRechargeLock::query()->where('agent_id', $agent->id)->where('unlock_at', '>', now())
            ->where('remaining', '>', 0)->orderBy('unlock_at')->limit(100)
            ->get(['id', 'amount', 'remaining', 'unlock_at', 'created_at'])
            ->map(fn (AgentRechargeLock $lock) => [
                'amount' => bcadd((string) $lock->amount, '0', 4), 'remaining' => bcadd((string) $lock->remaining, '0', 4),
                'recharged_at' => $lock->created_at ? \Carbon\Carbon::parse($lock->created_at)->format('Y-m-d H:i:s') : null,
                'unlock_at' => \Carbon\Carbon::parse($lock->unlock_at)->format('Y-m-d H:i:s'),
            ])->all();
    }

    /** 每日入账合营分成：实时余额在注单结算时已计入，这里只改 balance。调用方需已在事务内锁住代理。 */
    public function creditProfitShare(Agent $agent, string $signed, string $idempotencyKey, int $recordId, string $remark): ?AgentBalanceLog
    {
        if (bccomp($signed, '0', 4) === 0) return null;
        $existing = AgentBalanceLog::query()->where('idempotency_key', $idempotencyKey)->lockForUpdate()->first();
        if ($existing) return $existing;
        $before = bcadd((string) $agent->balance, '0', 4);
        $agent->balance = bcadd($before, $signed, 4);
        $agent->save();
        return AgentBalanceLog::query()->create([
            'agent_id' => $agent->id, 'type' => 'profit_share', 'amount' => bcadd($signed, '0', 4),
            'before_balance' => $before, 'after_balance' => $agent->balance,
            'operator_type' => 'system', 'operator_id' => null,
            'idempotency_key' => $idempotencyKey, 'remark' => $remark,
            'reference_type' => 'agent_rebate_record', 'reference_id' => $recordId,
        ]);
    }

    /**
     * 合营分成开关。实时有效保证金 = min(保证金本金, 实时余额)：
     * - 达到方案保证金 100% 才开启；
     * - 开启后低于方案保证金 × 停止比例（默认 10%）即关闭，之后的注单不再分成。
     */
    public function evaluateActivation(Agent $agent): bool
    {
        if (!$agent->isJoint()) {
            return $this->setActive($agent, false);
        }
        $required = $agent->profit_commission_profile_id ? $this->requiredMargin((int) $agent->profit_commission_profile_id) : null;
        if ($required === null) {
            return $this->setActive($agent, false);
        }
        $effective = $this->effectiveMargin($agent);
        if (!(int) $agent->profit_active) {
            return $this->setActive($agent, bccomp($effective, $required, 4) >= 0);
        }
        $stop = bcdiv(bcmul($required, $this->lookup('stop', fn () => (string) AgentSetting::current()->margin_stop_percent), 8), '100', 4);
        return $this->setActive($agent, bccomp($effective, $stop, 4) >= 0);
    }

    /** 方案要求的保证金；方案不存在返回 null。 */
    private function requiredMargin(int $profileId): ?string
    {
        $margin = $this->lookup('profile:' . $profileId, function () use ($profileId) {
            $value = AgentProfitCommissionProfile::query()->whereKey($profileId)->value('margin_amount');
            return $value === null ? false : bcadd((string) $value, '0', 4);
        });
        return $margin === false ? null : $margin;
    }

    /**
     * 方案保证金和停止比例的短时缓存（同一实例内 30 秒），避免实时分成逐笔查询时在代理行锁内反复查库。
     * 总后台修改方案或配置在其他请求中完成，最多 30 秒后生效到分成任务。
     */
    private function lookup(string $key, callable $resolve)
    {
        $now = time();
        if (!isset($this->lookups[$key]) || $this->lookups[$key][1] < $now) {
            $this->lookups[$key] = [$resolve(), $now + 30];
        }
        return $this->lookups[$key][0];
    }

    public function effectiveMargin(Agent $agent): string
    {
        $margin = bcadd((string) $agent->margin_amount, '0', 4);
        $realtime = bcadd((string) $agent->realtime_balance, '0', 4);
        $value = bccomp($realtime, $margin, 4) < 0 ? $realtime : $margin;
        return bccomp($value, '0', 4) < 0 ? '0.0000' : $value;
    }

    /** 代理端可见的资金构成（不含实时余额）。 */
    public function funds(Agent $agent): array
    {
        $balance = bcadd((string) $agent->balance, '0', 4);
        $margin = bcadd((string) $agent->margin_amount, '0', 4);
        $data = [
            'balance' => $balance,
            'frozen_balance' => bcadd((string) $agent->frozen_balance, '0', 4),
            'withdrawable_amount' => $this->withdrawable($agent),
        ];
        if ($agent->isJoint()) {
            $marginBalance = bccomp($balance, $margin, 4) < 0 ? $balance : $margin;
            $data += [
                'margin_amount' => $margin,
                'margin_balance' => bccomp($marginBalance, '0', 4) < 0 ? '0.0000' : $marginBalance,
                'profit_amount' => bcsub($balance, $margin, 4),
            ];
        } else {
            $data['equity_percent'] = bcadd((string) $agent->equity_percent, '0', 4);
            // 锁定金额最多展示到当前余额（人工扣款等可能让余额低于锁定合计）
            $locked = $this->lockedAmount($agent);
            $shown = bccomp($locked, $balance, 4) > 0 ? $balance : $locked;
            $data['locked_amount'] = bccomp($shown, '0', 4) > 0 ? $shown : '0.0000';
            $data['recharge_lock_days'] = (int) AgentSetting::current()->equity_recharge_lock_days;
        }
        return $data;
    }

    /**
     * 可提现金额。合营：总余额加上「待入账亏损的最坏情况」后，超出保证金本金的部分；入股：全部余额。
     */
    public function withdrawable(Agent $agent): string
    {
        $balance = bcadd((string) $agent->balance, '0', 4);
        if (!$agent->isJoint()) {
            // 入股：锁定期内的充值不能提现
            $free = bcsub($balance, $this->lockedAmount($agent), 4);
            return bccomp($free, '0', 4) > 0 ? $free : '0.0000';
        }
        $available = bcsub(bcadd($balance, $this->pendingFloor($agent), 4), (string) $agent->margin_amount, 4);
        return bccomp($available, '0', 4) > 0 ? $available : '0.0000';
    }

    /**
     * 待入账分成按结算日依次入账时，余额最多会下降多少（≤0）。
     * 取未入账分成按结算日的前缀和的最小值；传 $fromDate 时只看该日及之后的入账点
     * （新增或修改该日分成会影响这些点），用于限制亏损扣减。
     */
    public function pendingFloor(Agent $agent, ?string $fromDate = null): string
    {
        if (!$agent->isJoint()) return '0.0000';
        $sums = AgentProfitEntry::query()->toBase()->where('agent_id', $agent->id)
            ->where('status', AgentProfitEntry::STATUS_COUNTED)->whereNull('rebate_record_id')
            ->groupBy('settle_date')->orderBy('settle_date')
            ->selectRaw('settle_date, COALESCE(SUM(share_amount),0) total')->get();
        $running = '0.0000';
        $floor = $fromDate === null ? '0.0000' : null;
        foreach ($sums as $row) {
            if ($floor === null && substr((string) $row->settle_date, 0, 10) >= $fromDate) $floor = $running;
            $running = bcadd($running, (string) $row->total, 4);
            if ($floor !== null && bccomp($running, $floor, 4) < 0) $floor = $running;
        }
        return $floor ?? $running;
    }

    private function setActive(Agent $agent, bool $active): bool
    {
        if ((int) $agent->profit_active !== ($active ? 1 : 0)) {
            $agent->profit_active = $active ? 1 : 0;
            $agent->profit_active_changed_at = now();
            $agent->save();
        }
        return $active;
    }

    private function assertSameAdjustment(AgentBalanceLog $log, int $agentId, string $type, string $amount): void
    {
        $signed = self::DIRECTIONS[$type] > 0 ? bcadd($amount, '0', 4) : bcsub('0', $amount, 4);
        if ((int) $log->agent_id !== $agentId || $log->type !== $type || bccomp((string) $log->amount, $signed, 4) !== 0) {
            throw new \RuntimeException('request_id 已用于其他资金调整');
        }
    }
}