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

<?php

namespace App\Services\Agent;

use App\Models\Agent\Agent;
use App\Models\Agent\AgentBalanceLog;
use App\Models\Agent\AgentSetting;
use App\Models\Agent\AgentWithdrawAccount;
use App\Models\Agent\AgentWithdrawal;
use App\Models\RechargeChannel;
use App\Services\PaymentOrderService;
use App\Services\WithdrawalDestination;
use App\Services\WithdrawalName;
use Illuminate\Support\Facades\DB;
use Illuminate\Support\Facades\Hash;
use Illuminate\Support\Str;

/**
 * 代理提现，和会员前台一样使用总后台配置的提现通道（agent_settings.recharge_channel_group_id 对应组合的提现类型）：
 * - usdt：填 USDT 数量，按提现汇率（汇率 + 汇率差）折算后从余额冻结，总后台人工打款；
 * - rgtx 人工提现：填人民币金额，总后台人工打款；
 * - 三方代付（DF001/DF002/DF005 钱宝、JDpay、NOwithdraw、ZIMUwithdraw、ZIMUcash）：填人民币金额，
 *   总后台审核通过时向三方下单（PaymentOrderService::requestPayout），三方回调成功扣冻结、失败退回余额。
 * 合营代理只能提取超出保证金的盈利部分。代理手续费按 agents.withdraw_fee_rate 从提现金额中扣除。
 * 状态：pending 待审核 → approved 已通过（人工打款）/ processing 三方代付中 → paid 已打款；rejected 已驳回、failed 代付失败（均退回余额）。
 */
class AgentWithdrawalService
{
    public const MANUAL_CHANNELS = ['usdt', 'rgtx'];
    public const OPEN_STATUSES = ['pending', 'approved', 'processing'];
    private const MAX_ACCOUNTS_PER_CHANNEL = 5;

    public function __construct(private ?AgentWalletService $wallets = null)
    {
        $this->wallets ??= new AgentWalletService();
    }

    public static function isProviderChannel(string $channel): bool
    {
        return !in_array($channel, self::MANUAL_CHANNELS, true);
    }

    /** 提现通道，格式同会员 GET /api/wallet/withdrawChannel。 */
    public function channels(Agent $agent): array
    {
        $list = WithdrawalDestination::describeChannels(RechargeChannel::getFormatChannel(2, $this->groupId()));
        foreach ($list as &$item) {
            $item['requires_real_name'] = WithdrawalName::usesOrderName((string) $item['value']);
        }
        unset($item);
        return ['list' => array_values($list), 'real_name' => (string) $agent->real_name];
    }

    public function accounts(Agent $agent, ?string $channel = null): array
    {
        $query = AgentWithdrawAccount::query()->where('agent_id', $agent->id);
        if ($channel !== null && $channel !== '') $query->where('type', $channel);
        return $query->orderByDesc('id')->get()->map(fn (AgentWithdrawAccount $account) => $this->present($account, $agent))->all();
    }

    /** 新增/修改提现账户。USDT：network + account（地址）；其他通道：card_no、bank_name 等，规则同会员绑卡。 */
    public function saveAccount(Agent $agent, array $data): array
    {
        $channel = (string) ($data['type'] ?? 'usdt');
        if (RechargeChannel::checkWithdrawChannel($channel, $this->groupId()) === false) throw new \RuntimeException('不支持此提现方式');
        if ($channel === 'usdt') {
            $network = strtoupper(trim((string) ($data['network'] ?? '')));
            $address = trim((string) ($data['account'] ?? ''));
            if (!in_array($network, ['TRC20', 'ERC20'], true)) throw new \InvalidArgumentException('请选择公链 TRC20 或 ERC20');
            $pattern = $network === 'ERC20' ? '/^0x[0-9a-fA-F]{40}$/D' : '/^T[1-9A-HJ-NP-Za-km-z]{33}$/D';
            if (!preg_match($pattern, $address)) throw new \InvalidArgumentException('USDT 地址格式错误');
            $fields = ['account' => $address, 'network' => $network, 'bank_name' => '', 'details' => null];
        } else {
            if (!isset($data['card_no']) && isset($data['account'])) $data['card_no'] = $data['account'];
            try {
                $destination = WithdrawalDestination::resolve($channel, $data);
            } catch (\Exception $e) {
                throw new \InvalidArgumentException($e->getMessage());
            }
            $details = array_filter([
                'bank_branch' => $destination['bank_branch'] ?? null,
                'qr_image' => $destination['qr_image'] ?? null,
                'payout_method' => $channel === 'rgtx' ? WithdrawalDestination::manualResponse($destination['bank_name'], $destination['card_no'], $destination['qr_image'] ?? null)['payout_method'] : null,
            ], fn ($v) => $v !== null && $v !== '');
            $fields = ['account' => $destination['card_no'], 'network' => '', 'bank_name' => $destination['bank_name'], 'details' => $details ?: null];
        }

        return DB::transaction(function () use ($agent, $data, $channel, $fields) {
            $locked = Agent::query()->lockForUpdate()->findOrFail($agent->id);
            if (WithdrawalName::usesOrderName($channel) && trim((string) $locked->real_name) === '') {
                // 和会员一样：首次绑定需要填写真实姓名，之后不能自行修改（由总后台修改）。
                $name = WithdrawalName::normalize((string) ($data['real_name'] ?? ''));
                if ($name === '') throw new \InvalidArgumentException('请输入真实姓名');
                $locked->real_name = $name;
                $locked->save();
            }
            if (!empty($data['id'])) {
                $account = AgentWithdrawAccount::query()->where('agent_id', $locked->id)->lockForUpdate()->findOrFail((int) $data['id']);
                if ($account->type !== $channel) throw new \InvalidArgumentException('不能修改账户的提现方式');
            } else {
                $count = AgentWithdrawAccount::query()->where('agent_id', $locked->id)->where('type', $channel)->count();
                if ($count >= self::MAX_ACCOUNTS_PER_CHANNEL) throw new \RuntimeException('已达添加上限');
                $account = new AgentWithdrawAccount(['agent_id' => $locked->id, 'type' => $channel]);
            }
            $account->fill($fields + [
                'name' => trim((string) ($data['name'] ?? $account->name ?? '')),
                'status' => (int) ($data['status'] ?? $account->status ?? 1),
            ])->save();
            return $this->present($account->fresh(), $locked);
        });
    }

    /**
     * 申请提现。$amount：USDT 账户为 USDT 数量，其他通道为人民币金额（最多 2 位小数）。
     */
    public function request(Agent $agent, int $accountId, string $amount, string $withdrawPassword, string $requestId, string $remark = ''): AgentWithdrawal
    {
        if (bccomp($amount, '0', 4) <= 0) {
            throw new \InvalidArgumentException('提现金额必须大于0');
        }
        $requestKey = 'agent:' . $agent->id . ':' . $requestId;
        return DB::transaction(function () use ($agent, $accountId, $amount, $withdrawPassword, $remark, $requestKey): AgentWithdrawal {
            $lockedAgent = Agent::query()->lockForUpdate()->findOrFail($agent->id);
            if ((int) $lockedAgent->status !== Agent::STATUS_ENABLED) {
                throw new \RuntimeException('代理账号已禁用');
            }
            if ($lockedAgent->withdraw_password === '' || !Hash::check($withdrawPassword, (string) $lockedAgent->withdraw_password)) {
                throw new \InvalidArgumentException('提现密码错误');
            }
            // First consistent read is after the agent lock, so concurrent retries see the committed request.
            $existing = AgentWithdrawal::query()->where('request_key', $requestKey)->first();
            if ($existing) {
                $this->assertSameRequest($existing, $accountId, $amount);
                return $existing;
            }
            $account = AgentWithdrawAccount::query()
                ->where('agent_id', $lockedAgent->id)
                ->where('status', 1)
                ->lockForUpdate()
                ->findOrFail($accountId);
            $channel = (string) $account->type;
            $config = RechargeChannel::checkWithdrawChannel($channel, $this->groupId());
            if ($config === false) throw new \RuntimeException('不支持此提现方式');
            $min = (float) ($config->min ?? 0);
            $max = (float) ($config->max ?? 0);
            if ((float) $amount < $min || ($max > 0 && (float) $amount > $max)) {
                throw new \RuntimeException("提现金额范围为{$min}-{$max}" . ($channel === 'usdt' ? ' USDT' : ''));
            }
            $holder = '';
            if (WithdrawalName::usesOrderName($channel)) {
                $holder = trim((string) $lockedAgent->real_name);
                if ($holder === '') throw new \RuntimeException('请先在提现账户中填写真实姓名');
            }

            if ($channel === 'usdt') {
                $rate = AgentExchangeRate::withdraw();
                $usdtAmount = bcadd($amount, '0', 4);
                $rmbAmount = bcmul($usdtAmount, $rate, 4);
                $scale = 4;
            } else {
                if (!preg_match('/^\d+(\.\d{1,2})?$/D', $amount)) throw new \InvalidArgumentException('提现金额最多 2 位小数');
                $rate = '0';
                $usdtAmount = '0';
                $rmbAmount = bcadd($amount, '0', 4);
                $scale = 2; // 三方按分打款，手续费和到账金额保留 2 位
            }
            if (bccomp($this->wallets->withdrawable($lockedAgent), $rmbAmount, 4) < 0) {
                if ($lockedAgent->isJoint()) throw new \RuntimeException('可提现盈利不足（保证金不可提现）');
                if (bccomp((string) $lockedAgent->balance, $rmbAmount, 4) >= 0) {
                    $days = (int) AgentSetting::current()->equity_recharge_lock_days;
                    throw new \RuntimeException("可提现余额不足（充值未满 {$days} 天的金额暂不可提现）");
                }
                throw new \RuntimeException('代理余额不足');
            }

            $fee = bcdiv(bcmul($rmbAmount, (string) $lockedAgent->withdraw_fee_rate, 8), '100', $scale);
            $actual = bcsub($rmbAmount, $fee, 4);
            if (bccomp($actual, '0', 4) <= 0) {
                throw new \RuntimeException('扣除手续费后到账金额必须大于0');
            }
            // 平台付给三方代付的成本（按到账金额下单）；USDT / 人工提现不记（链上成本不计）。
            $channelFee = self::isProviderChannel($channel)
                ? PaymentOrderService::feeFields($actual, (string) ($config->rate ?? 0), $config->fee_fixed ?? 0)
                : PaymentOrderService::feeFields($actual, 0);

            $before = bcadd((string) $lockedAgent->balance, '0', 4);
            $lockedAgent->balance = bcsub($before, $rmbAmount, 4);
            $lockedAgent->realtime_balance = bcsub((string) $lockedAgent->realtime_balance, $rmbAmount, 4);
            $lockedAgent->frozen_balance = bcadd((string) $lockedAgent->frozen_balance, $rmbAmount, 4);
            $lockedAgent->save();

            $details = (array) ($account->details ?? []);
            $withdrawal = AgentWithdrawal::query()->create([
                'order_no' => 'AW' . now()->format('YmdHis') . strtoupper(Str::random(8)),
                'request_key' => $requestKey,
                'agent_id' => $lockedAgent->id,
                'account_id' => $account->id,
                'account_type' => $channel,
                'account_snapshot' => array_filter([
                    'type' => $channel,
                    'name' => $account->name,
                    'account' => $account->account,
                    'network' => $account->network,
                    'bank_name' => $account->bank_name,
                    'bank_branch' => $details['bank_branch'] ?? null,
                    'qr_image' => $details['qr_image'] ?? null,
                    'payout_method' => $details['payout_method'] ?? null,
                    'holder_name' => $holder,
                ], fn ($v) => $v !== null),
                'amount' => $rmbAmount,
                'fee' => $fee,
                'fee_rate' => bcdiv((string) $lockedAgent->withdraw_fee_rate, '100', 6),
                'channel_fee_rate' => $channelFee['fee_rate'],
                'channel_fee_fixed' => $channelFee['fee_fixed'],
                'channel_fee' => bcadd($channelFee['fee'], '0', 4),
                'actual_amount' => $actual,
                'usdt_amount' => $usdtAmount,
                'actual_usdt_amount' => $channel === 'usdt' ? bcdiv($actual, $rate, 4) : '0',
                'exchange_rate' => $rate,
                'status' => 'pending',
                'remark' => $remark,
            ]);

            AgentBalanceLog::query()->create([
                'agent_id' => $lockedAgent->id,
                'type' => 'withdraw_freeze',
                'amount' => bcsub('0', $rmbAmount, 4),
                'before_balance' => $before,
                'after_balance' => $lockedAgent->balance,
                'reference_type' => 'agent_withdrawal',
                'reference_id' => $withdrawal->id,
                'operator_type' => 'agent',
                'operator_id' => $lockedAgent->id,
                'idempotency_key' => 'withdraw-freeze:' . $withdrawal->id,
                'remark' => $remark,
            ]);

            return $withdrawal->fresh();
        });
    }

    /**
     * 总后台审核：
     * - approve：USDT / 人工提现变为 approved，等人工打款后 paid；三方通道直接向三方下单，变为 processing，下单失败保持待审核并返回原因；
     * - reject：pending / approved 驳回并退回余额；
     * - paid：approved 的人工打款完成。
     */
    public function audit(int $withdrawalId, string $action, int $adminId, string $remark = ''): AgentWithdrawal
    {
        if (!in_array($action, ['approve', 'reject', 'paid'], true)) {
            throw new \InvalidArgumentException('审核动作错误');
        }

        return DB::transaction(function () use ($withdrawalId, $action, $adminId, $remark): AgentWithdrawal {
            $withdrawal = AgentWithdrawal::query()->lockForUpdate()->findOrFail($withdrawalId);
            $agent = Agent::query()->lockForUpdate()->findOrFail($withdrawal->agent_id);
            $channel = (string) ($withdrawal->account_type ?: 'usdt');

            if ($action === 'approve') {
                if ($withdrawal->status !== 'pending') {
                    throw new \RuntimeException('只有待审核订单可以通过');
                }
                if (self::isProviderChannel($channel)) {
                    $snapshot = (array) $withdrawal->account_snapshot;
                    try {
                        $ret = PaymentOrderService::requestPayout($channel, (string) $withdrawal->order_no, AgentPaymentService::payerId((int) $agent->id),
                            (string) $withdrawal->actual_amount, (string) ($snapshot['holder_name'] ?? ''), (string) ($snapshot['account'] ?? ''),
                            (string) ($snapshot['bank_name'] ?? ''), ['agent_withdrawal_id' => $withdrawal->id]);
                    } catch (\Exception $e) {
                        throw new \RuntimeException($e->getMessage() ?: '代付下单失败');
                    }
                    $withdrawal->pay_no = $ret['pay_no'];
                    $withdrawal->pay_data = $ret['pay_data'];
                    $withdrawal->status = 'processing';
                } else {
                    $withdrawal->status = 'approved';
                }
                $withdrawal->audited_at = now();
                $withdrawal->audit_admin_id = $adminId;
            } elseif ($action === 'reject') {
                if (!in_array($withdrawal->status, ['pending', 'approved'], true)) {
                    throw new \RuntimeException('当前订单不能驳回');
                }
                $this->refund($withdrawal, $agent, 'admin', $adminId, $remark);
                $withdrawal->status = 'rejected';
                $withdrawal->audited_at = now();
                $withdrawal->audit_admin_id = $adminId;
            } else {
                if ($withdrawal->status !== 'approved') {
                    throw new \RuntimeException('只有已通过订单可以标记已付款');
                }
                $this->settle($withdrawal, $agent);
            }

            $withdrawal->audit_remark = $remark;
            $withdrawal->save();
            return $withdrawal->fresh();
        });
    }

    /** 三方代付回调结果：true 成功、false 失败、null 处理中（只记录回调）。只处理 processing 状态，重复回调无副作用。 */
    public function providerResult(int $withdrawalId, ?bool $success, array $params): void
    {
        DB::transaction(function () use ($withdrawalId, $success, $params) {
            $withdrawal = AgentWithdrawal::query()->lockForUpdate()->find($withdrawalId);
            if (!$withdrawal || $withdrawal->status !== 'processing') return;
            $withdrawal->callback_data = json_encode($params, JSON_UNESCAPED_UNICODE);
            if ($success !== null) {
                $agent = Agent::query()->lockForUpdate()->findOrFail($withdrawal->agent_id);
                if ($success) {
                    $this->settle($withdrawal, $agent);
                } else {
                    $this->refund($withdrawal, $agent, 'system', null, '三方代付失败');
                    $withdrawal->status = 'failed';
                    $withdrawal->audit_remark = trim($withdrawal->audit_remark . ' 三方代付失败，已退回余额');
                }
            }
            $withdrawal->save();
        });
    }

    private function settle(AgentWithdrawal $withdrawal, Agent $agent): void
    {
        if (bccomp((string) $agent->frozen_balance, (string) $withdrawal->amount, 4) < 0) {
            throw new \RuntimeException('代理冻结余额异常');
        }
        $agent->frozen_balance = bcsub((string) $agent->frozen_balance, (string) $withdrawal->amount, 4);
        $agent->save();
        $withdrawal->status = 'paid';
        $withdrawal->paid_at = now();
    }

    private function refund(AgentWithdrawal $withdrawal, Agent $agent, string $operatorType, ?int $operatorId, string $remark): void
    {
        $before = bcadd((string) $agent->balance, '0', 4);
        if (bccomp((string) $agent->frozen_balance, (string) $withdrawal->amount, 4) < 0) {
            throw new \RuntimeException('代理冻结余额异常');
        }
        $agent->balance = bcadd($before, (string) $withdrawal->amount, 4);
        $agent->realtime_balance = bcadd((string) $agent->realtime_balance, (string) $withdrawal->amount, 4);
        $agent->frozen_balance = bcsub((string) $agent->frozen_balance, (string) $withdrawal->amount, 4);
        $agent->save();
        AgentBalanceLog::query()->firstOrCreate(
            ['idempotency_key' => 'withdraw-refund:' . $withdrawal->id],
            [
                'agent_id' => $agent->id,
                'type' => 'withdraw_refund',
                'amount' => $withdrawal->amount,
                'before_balance' => $before,
                'after_balance' => $agent->balance,
                'reference_type' => 'agent_withdrawal',
                'reference_id' => $withdrawal->id,
                'operator_type' => $operatorType,
                'operator_id' => $operatorId,
                'remark' => $remark,
            ]
        );
        $this->wallets->evaluateActivation($agent);
    }

    private function groupId(): int
    {
        return max(1, (int) AgentSetting::current()->recharge_channel_group_id);
    }

    /** 账户输出：details 展开到顶层；人工提现补 payout_method；需要实名的通道带上持卡人姓名。 */
    private function present(AgentWithdrawAccount $account, Agent $agent): array
    {
        $row = $account->toArray();
        $details = (array) ($row['details'] ?? []);
        unset($row['details']);
        $row['channel'] = $row['type'];
        $row['card_no'] = $row['type'] === 'usdt' ? '' : (string) $row['account'];
        $row['bank_branch'] = $details['bank_branch'] ?? null;
        $row['qr_image'] = $details['qr_image'] ?? null;
        $row['payout_method'] = $details['payout_method'] ?? null;
        $row['holder_name'] = WithdrawalName::usesOrderName((string) $row['type']) ? (string) $agent->real_name : '';
        return $row;
    }

    private function assertSameRequest(AgentWithdrawal $withdrawal, int $accountId, string $amount): void
    {
        $submitted = ($withdrawal->account_type ?: 'usdt') === 'usdt' ? (string) $withdrawal->usdt_amount : (string) $withdrawal->amount;
        if ((int) $withdrawal->account_id !== $accountId || bccomp($submitted, $amount, 4) !== 0) {
            throw new \RuntimeException('request_id 已用于其他提现申请');
        }
    }
}