bot-28/app/Services/PaymentOrderService.php

<?php

namespace App\Services;

use App\Constants\HttpStatus;
use App\Models\PaymentOrder;
use App\Models\Agent\AgentPaymentOrder;
use App\Services\Agent\AgentPaymentService;
use App\Services\Agent\AgentWithdrawalService;
use App\Models\Agent\AgentWithdrawal;
use App\Models\RechargeChannel;
use App\Models\User;
use App\Models\Wallet as WalletModel;
use Exception;
use Illuminate\Support\Facades\DB;
use Illuminate\Support\Facades\Log;
use App\Services\Payment\JdPayService;
use App\Services\Payment\NoPayService;
use App\Services\Payment\QianBaoService;
use App\Services\Payment\SanJinService;
use App\Services\Payment\ZimuPayService;
use App\Services\Payment\PaymentProviderService;
use App\Services\ConfigService;
use App\Services\AdminRealtime\AdminRealtime;

/**
 * 投注
 */
class PaymentOrderService extends BaseService
{
    const TYPE_PAY = 1; // 代收
    const TYPE_PAYOUT = 2; // 代付
    const TYPE_SELF_PAY = 3; // 手动充值
    const TYPE_SELF_PAYOUT = 4; // 手动提现打款

    const STATUS_STAY = 0;  // 待处理
    const STATUS_PROCESS = 1; // 处理中
    const STATUS_SUCCESS = 2; // 成功
    const STATUS_FAIL = 3; // 失败
    const STATUS_USER = 4; // 待用户提交凭证
    const STATUS_AUDIT = 5; //待人工审核
    const STATUS_CANCEL = 6; //已撤回
    const STATUS_TIMEOUT = 7; //超时（在线充值处理中超过 PAY_TIMEOUT_MINUTES 未支付，仍可接收迟到的回调）

    const PAY_TIMEOUT_MINUTES = 30;
    const PAY_OPEN_STATUSES = [self::STATUS_PROCESS, self::STATUS_TIMEOUT]; // 在线充值可接收回调/查询入账的状态

    public static string $MODEL = PaymentOrder::class;

    /**
     * 三方手续费快照：fee 是三方向平台收的成本（= 金额 × 费率 + 每笔固定费），不扣客户。费率为小数（0.02 = 2%）。
     * 费率和每笔固定费来自通道配置（recharge_channel.rate / fee_fixed），可以只配其中一项或两项组合。
     * @return array{fee_rate: string, fee_fixed: string, fee: string}
     */
    public static function feeFields($amount, $rate, $fixed = 0): array
    {
        $decimal = static fn ($value, int $scale): string => is_string($value) && is_numeric($value)
            ? bcadd($value, '0', $scale) : number_format((float)$value, $scale, '.', '');
        $rate = $decimal($rate, 6);
        $fixed = $decimal($fixed, 4);
        return ['fee_rate' => $rate, 'fee_fixed' => $fixed, 'fee' => bcadd(bcmul($decimal($amount, 4), $rate, 8), $fixed, 8)];
    }

    /**
     * @description: 模型
     * @return {string}
     */
    public static function model(): string
    {
        return PaymentOrder::class;
    }

    /**
     * @description: 枚举
     * @return {*}
     */
    public static function enum(): string
    {
        return '';
    }

    /**
     * @description: 获取查询条件
     * @param {array} $search 查询内容
     * @return {array}
     */
    public static function getWhere(array $search = []): array
    {
        $where = [];
        if (isset($search['member_id']) && !empty($search['member_id'])) {
            $where[] = ['payment_orders.member_id', '=', $search['member_id']];
        }
        if (isset($search['channel']) && !empty($search['channel'])) {
            if ($search['channel'] == 'rgcz') {
                $search['type'] = 3;
            }
            $where[] = ['payment_orders.channel', '=', $search['channel']];
            
        }
        if (isset($search['type']) && !empty($search['type'])) {
            $where[] = ['payment_orders.type', '=', $search['type']];
        }
        if (isset($search['order_no']) && !empty($search['order_no'])) {
            $where[] = ['payment_orders.order_no', '=', $search['order_no']];
        }
        if (isset($search['id']) && !empty($search['id'])) {
            $where[] = ['payment_orders.id', '=', $search['id']];
        }
        if (isset($search['status']) && $search['status'] != '') {
            $where[] = ['payment_orders.status', '=', $search['status']];
        }
        if (!empty($search['account'])) {
            $where[] = ['users.account', 'like', '%' . trim((string)$search['account']) . '%'];
        }
        if (isset($search['first_name']) && !empty($search['first_name'])) {
            $where[] = ['users.first_name', 'like', "%" . $search['first_name'] . "%"];
        }
        if (isset($search['payment_type']) && $search['payment_type'] != '') {
            $where[] = ['payment_orders.payment_type', '=', $search['payment_type']];
        }
        return $where;
    }

    /**
     * @description: 查询单条数据
     * @param array $search
     * @return \App\Models\Coin|null
     */
    public static function findOne(array $search): ?PaymentOrder
    {
        return static::$MODEL::where(self::getWhere($search))->first();
    }

    /**
     * @description: 查询所有数据
     * @param array $search
     * @return \Illuminate\Database\Eloquent\Collection
     */
    public static function findAll(array $search = [])
    {
        return static::$MODEL::where(self::getWhere($search))->get();
    }

    /**
     * @description: 分页查询
     * @param array $search
     * @return array
     */
    public static function paginate(array $search = [])
    {
        $limit = isset($search['limit']) ? $search['limit'] : 15;
        $paginator = static::$MODEL::where(self::getWhere($search))
            ->join('users', 'users.member_id', '=', 'payment_orders.member_id')
            ->select("payment_orders.*", "users.first_name", "users.account", "users.admin_note as user_admin_note") // 提前查好需要的字段
            ->orderByDesc('payment_orders.created_at')
            ->paginate($limit);


        $totalAmount = 0;
        $totalSuccess = 0;
        $totalFail = 0;
        $list = $paginator->items();
        foreach ($list as $item) {
            $item['amount'] = floatval($item['amount']);
            $totalAmount += $item['amount'];
            if (in_array($item['status'], [1, 2])) $totalSuccess += $item['amount'];
            if ($item['status'] == 3) $totalFail += $item['amount'];
        }
        return [
            'total' => $paginator->total(),
            'total_amount' => $totalAmount,
            'total_success' => $totalSuccess,
            'total_fail' => $totalFail,
            'data' => $list
        ];
    }

    /**
     * @description:
     * @param {*} $params
     * @return {*}
     */
    public static function submit($params = [])
    {
        $result = false;
        $msg['code'] = self::NOT;
        $msg['msg'] = '';

        // 2. 判断是否是更新
        if (!empty($params['id'])) {
            // 更新
            $info = self::findOne(['id' => $params['id']]);
            if (!$info) {
                $msg['msg'] = '数据不存在！';
            } else {
                $result = $info->update($params);
                $id = $params['id'];
            }
        } else {
            // 创建
            $result = $info = static::$MODEL::create($params);
            $id = $result->id;
        }


        if ($result) {
            $msg['code'] = self::YES;
            $msg['msg'] = '设置成功';
            $msg['key'] = $id;
        } else {
            $msg['msg'] = empty($msg['msg']) ? '操作失败' : $msg['msg'];
        }

        return $msg;
    }

    /**
     * @description: 创建代收订单
     * @param {*} $memberId
     * @param {*} $amount
     * @param {*} $paymentType 支付类型：支付宝、数字人民币
     * @return {*}
     */
    public static function createPay($memberId, $amount, $paymentType)
    {
        $result = [];
        $result['chat_id'] = $memberId;
        $result['code'] = 0;
        $result['url'] = '';
        if (!PaymentProviderService::requestEnabled((string)$paymentType, 1)) {
            $result['code'] = 20001;
            $result['text'] = '支付公司已禁用';
            return $result;
        }
        $user = User::query()->where('member_id', $memberId)->first();
        $groupId = (int)($user->recharge_channel_group_id ?? 1);
        $channelConfig = RechargeChannel::checkRechargeChannel($paymentType, $groupId);
        if ($channelConfig === false) {
            $result['text'] = '不支持此充值方式';
            $result['code'] = 20001;
            return $result;
        }
        $bonusSnapshot = RechargeBonusService::capture((string)$channelConfig->type, (string)$memberId);
        $extra = $bonusSnapshot === null ? [] : ['recharge_bonus_snapshot' => $bonusSnapshot];
        return self::createPayOrder(PaymentOrder::class, $memberId, $amount, $paymentType, $groupId, $channelConfig, $extra);
    }

    /**
     * 按通道向三方（808/NO/JD/三斤）发起代收并保存订单。会员和代理共用：
     * - $model：PaymentOrder（会员）或 AgentPaymentOrder（代理）；
     * - $memberId：付款人标识，会员为 member_id，代理为 AG{代理ID}；
     * - $extra：额外写入订单的字段；$orderPrefix：订单号前缀（代理为 ag）。
     * 调用方需先校验支付公司启用、通道可用。成功时返回值带 order_no。
     */
    public static function createPayOrder(string $model, $memberId, $amount, $paymentType, int $groupId, $channelConfig, array $extra = [], string $orderPrefix = ''): array
    {
        $result = [];
        $result['chat_id'] = $memberId;
        $result['code'] = 0;
        $result['url'] = '';
        $channel = ''; // 支付的通道
        $product = SanJinService::product($groupId);
        $max = (float)($channelConfig->max ?? 0);
        $min = (float)($channelConfig->min ?? 0);
        $rate = (float)($channelConfig->rate ?? 0);
        $feeFixed = $channelConfig->fee_fixed ?? 0;
        $selectedProduct = null;

        $geText = '';
        foreach ($product as $k => $v) {
            if ($v['type'] == $paymentType) {
                $selectedProduct = $v;
                if ($v['type'] == 'zfbge') {
                    if (in_array($amount, $v['fixed'])) {
                        $channel = $k;

                    } else {
                        $geText .= "❌ 此充值通道固定充值金额为" . implode('，', $v['fixed']) . "请选择上述固定金额！";
                    }
                } else {
                    if ($amount >= $v['min'] && $amount <= $v['max']) {
                        $channel = $k;
                        $rate = $v['rate'];
                        $feeFixed = $v['fee_fixed'] ?? 0;

                    }
                    if ($min == 0) {
                        $min = $v['min'];
                    }
                    if ($max == 0) {
                        $max = $v['max'];
                    }
                    if ($min > $v['min']) {
                        $min = $v['min'];
                    }
                    if ($max < $v['max']) {
                        $max = $v['max'];
                    }
                }

            }
        }

        $isDirectProvider = JdPayService::isChannel($paymentType)
            || NoPayService::isRechargeChannel($paymentType)
            || ZimuPayService::isRechargeChannel($paymentType);
        if ($isDirectProvider && ($amount < $min || ($max > 0 && $amount > $max))) {
            $result['text'] = "❌ 此充值通道充值金额{$min}-{$max}请务必输入区间金额！";
            $result['code'] = 20001;
            return $result;
        }

        // 没有找到支付通道
        if (empty($channel) && !JdPayService::isChannel($paymentType) && !NoPayService::isRechargeChannel($paymentType) && !ZimuPayService::isRechargeChannel($paymentType)) {
            // $text = "发起充值失败 \n";
            // $text .= "最低充值：" . $min . " \n";
            // $text .= "最高充值：" . $max . " \n";
            // $text .= "请重新填写充值的金额！";
            $text = "❌ 此充值通道充值金额{$min}-{$max}请务必输入区间金额！";
            $result['text'] = $text;
            if ($geText) {
                $result['text'] = $geText;
            }
            $result['code'] = 20001;
            return $result;
        }

        if (ZimuPayService::isRechargeChannel($paymentType) || ZimuPayService::isRechargeChannel($channel)) {
            $channel = ZimuPayService::CHANNEL_RECHARGE;
            $bankName = $selectedProduct['name'] ?? '808充值';
            $data = [];
            $data['type'] = self::TYPE_PAY;
            $data['member_id'] = $memberId;
            $data['amount'] = ZimuPayService::amount($amount);
            $data['channel'] = $channel;
            $data += self::feeFields($amount, $rate, $feeFixed);
            $data['bank_name'] = $bankName;
            $order_no = self::createOrderNo($orderPrefix . 'zm' . $data['type'] . '_', $memberId);
            $data['order_no'] = $order_no;
            $data['callback_url'] = ZimuPayService::getPayNotifyUrl();
            $data['remark'] = '充值手续费：' . RechargeChannel::feeDisplay($rate, $feeFixed)['fee_text'];
            $data['status'] = self::STATUS_STAY;

            $ret = ZimuPayService::pay($amount, $order_no, (string)$memberId);
            Log::channel('payment')->info('ZIMU支付发起', [
                'order_no' => $order_no,
                'member_id' => $memberId,
                'amount' => $data['amount'],
                'response' => $ret,
            ]);
            if (($ret['code'] ?? -1) == 0) {
                $item = $ret['data'] ?? [];
                $payUrl = $item['payUrl'] ?? '';
                $data['status'] = self::STATUS_PROCESS;
                $data['pay_no'] = $item['orderNo'] ?? '';
                $data['pay_url'] = $payUrl;
                $data['pay_data'] = json_encode($ret, JSON_UNESCAPED_UNICODE);
                $model::create($data + $extra);
                $result['order_no'] = $order_no;

                if ($payUrl) {
                    $result['image'] = asset(self::createPaymentQrCode($payUrl));
                }
                $result['text'] = "{$bankName}确认 \n";
                $result['text'] .= "请使用浏览器扫码或者复制支付地址到浏览器打开 \n";
                $result['text'] .= "支付地址：{$payUrl}\n";
                $result['text'] .= "支付金额：" . $amount . " RMB \n";
                $result['text'] .= "支付完成后请耐心等待，支付到账会第一时间通知您！ \n";
                $result['url'] = $payUrl;
            } else {
                $result['text'] = $ret['msg'] ?? 'ZIMU支付发起失败';
                $result['code'] = 20002;
            }
            return $result;
        }

        if (NoPayService::isRechargeChannel($paymentType) || NoPayService::isRechargeChannel($channel)) {
            $channel = NoPayService::isRechargeChannel($paymentType) ? $paymentType : $channel;
            $bankName = $selectedProduct['name'] ?? 'NO快捷充值';
            $data = [];
            $data['type'] = self::TYPE_PAY;
            $data['member_id'] = $memberId;
            $data['amount'] = NoPayService::amount($amount);
            $data['channel'] = $channel;
            $data += self::feeFields($amount, $rate, $feeFixed);
            $data['bank_name'] = $bankName;
            $order_no = self::createOrderNo($orderPrefix . 'no' . $data['type'] . '_', $memberId);
            $data['order_no'] = $order_no;
            $data['callback_url'] = NoPayService::getDepositNotifyUrl();
            $data['remark'] = '充值手续费：' . RechargeChannel::feeDisplay($rate, $feeFixed)['fee_text'];
            $data['status'] = self::STATUS_STAY;

            $ret = NoPayService::pay($amount, $order_no, (string)$memberId, $channel);
            Log::channel('payment')->info('NO支付发起', [
                'order_no' => $order_no,
                'member_id' => $memberId,
                'amount' => $data['amount'],
                'channel' => $channel,
                'response' => $ret,
            ]);
            if (($ret['code'] ?? -1) == 0) {
                $payUrl = $ret['data']['url'] ?? '';
                $data['status'] = self::STATUS_PROCESS;
                $data['pay_url'] = $payUrl;
                $data['pay_data'] = json_encode($ret, JSON_UNESCAPED_UNICODE);
                $model::create($data + $extra);
                $result['order_no'] = $order_no;

                if ($payUrl) {
                    $result['image'] = asset(self::createPaymentQrCode($payUrl));
                }
                $result['text'] = "{$bankName}充值确认 \n";
                $result['text'] .= "请使用浏览器扫码或者复制支付地址到浏览器打开 \n";
                $result['text'] .= "支付地址：{$payUrl}\n";
                $result['text'] .= "支付金额：" . $amount . " RMB \n";
                $result['text'] .= "支付完成后请耐心等待，支付到账会第一时间通知您！ \n";
                $result['url'] = $payUrl;
            } else {
                $result['text'] = $ret['msg'] ?? 'NO支付发起失败';
                $result['code'] = 20002;
            }
            return $result;
        }

        if (JdPayService::isChannel($paymentType) || JdPayService::isChannel($channel)) {
            $channel = JdPayService::CHANNEL;
            $bankName = $selectedProduct['name'] ?? 'JD钱包';
            $data = [];
            $data['type'] = self::TYPE_PAY;
            $data['member_id'] = $memberId;
            $data['amount'] = JdPayService::amount($amount);
            $data['channel'] = $channel;
            $data += self::feeFields($amount, $rate, $feeFixed);
            $data['bank_name'] = $bankName;
            $order_no = self::createOrderNo($orderPrefix . 'jd' . $data['type'] . '_', $memberId);
            $data['order_no'] = $order_no;
            $data['callback_url'] = JdPayService::getNotifyUrl();
            $data['remark'] = '充值手续费：' . RechargeChannel::feeDisplay($rate, $feeFixed)['fee_text'];
            $data['status'] = self::STATUS_STAY;

            $ret = JdPayService::pay($amount, $order_no);
            Log::channel('payment')->info('JD支付发起', $ret);
            if (($ret['code'] ?? 0) == 200) {
                $item = $ret['data'] ?? [];
                $payUrl = $item['url'] ?? '';
                $data['status'] = self::STATUS_PROCESS;
                $data['pay_no'] = $item['orderNo'] ?? '';
                $data['pay_url'] = $payUrl;
                $data['pay_data'] = json_encode($ret, JSON_UNESCAPED_UNICODE);
                $model::create($data + $extra);
                $result['order_no'] = $order_no;

                if ($payUrl) {
                    $result['image'] = asset(self::createPaymentQrCode($payUrl));
                }
                $text = "{$bankName}充值确认 \n";
                $text .= "请使用浏览器扫码或者复制支付地址到浏览器打开 \n";
                $text .= "支付地址：{$payUrl}\n";
                $text .= "支付金额：" . $amount . " RMB \n";
                $text .= "请按实际支付金额进行付款，否则影响到账 \n";
                $text .= "支付完成后请耐心等待，支付到账会第一时间通知您！ \n";
                $result['text'] = $text;
                $result['url'] = $payUrl;
            } else {
                $result['text'] = $ret['message'] ?? 'JD支付发起失败';
                $result['code'] = 20002;
            }
            return $result;
        }

        $data = [];
        $data['type'] = self::TYPE_PAY;
        $data['member_id'] = $memberId;
        $data['amount'] = $amount;
        $data['channel'] = $channel;
        $data += self::feeFields($amount, $rate, $feeFixed);
        $data['bank_name'] = SanJinService::getChannel($paymentType) ?? '';
        $order_no = self::createOrderNo($orderPrefix . 'sj' . $data['type'] . '_', $memberId);
        $data['order_no'] = $order_no;
        $data['callback_url'] = SanJinService::getNotifyUrl();
        $data['remark'] = '充值手续费：' . RechargeChannel::feeDisplay($rate, $feeFixed)['fee_text'];
        $data['status'] = self::STATUS_STAY;
        $ret = SanJinService::pay(($amount * 100), $order_no, $channel);
        Log::error('三斤支付发起：', $ret);
        if ($ret['code'] == 0) {

            $qrCode = asset(self::createPaymentQrCode($ret['data']['payUrl']));
            $result['image'] = $qrCode;
            $item = $ret['data'];
            $data['status'] = self::STATUS_PROCESS;
            $data['pay_no'] = $item['tradeNo'];
            $data['pay_url'] = $item['payUrl'];
            $data['pay_data'] = json_encode($ret, JSON_UNESCAPED_UNICODE);
            $info = $model::create($data + $extra);
            $result['order_no'] = $order_no;
            // $text = "✅ 支付提示 \n";
            $text = "{$data['bank_name']}充值确认 \n";
            // $text .= "支付方式：{$data['bank_name']} \n";
            $text .= "请使用浏览器扫码或者复制支付地址到浏览器打开 \n";
            $text .= "支付地址：{$ret['data']['payUrl']}\n";
            $text .= "支付金额：" . $amount . " RMB \n";
            $text .= "请按实际支付金额进行付款，否则影响到账 \n";
            $text .= "支付完成后请耐心等待，支付到账会第一时间通知您！ \n";
            $result['text'] = $text;
            $result['url'] = $ret['data']['payUrl'];
        } else {
            $result['text'] = $ret['message'];
            $result['code'] = 20002;
        }
        return $result;
    }

    /**
     * @description: 接收支付的通知
     * @param {*} $params
     * @return {*}
     */
    public static function receivePay($params)
    {
        if (ZimuPayService::getAppId() !== '' && ($params['appId'] ?? '') === ZimuPayService::getAppId()) {
            $info = self::findPayOrder((string)($params['mchOrderNo'] ?? ''));
            if (!$info || $info->type != self::TYPE_PAY || !ZimuPayService::isRechargeChannel($info->channel)) {
                Log::error('ZIMU充值回调订单不存在或类型不匹配', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'order_id' => $info->id ?? null,
                    'order_type' => $info->type ?? null,
                    'channel' => $info->channel ?? null,
                ]);
                return false;
            }
            if (!ZimuPayService::verifyNotify($params)) {
                Log::error('ZIMU充值回调验签失败', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'app_id' => $params['appId'] ?? '',
                    'signature' => ZimuPayService::notifySignatureDiagnostics($params),
                ]);
                return false;
            }
            if (bccomp(ZimuPayService::amount($info->amount), ZimuPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                Log::error('ZIMU充值回调金额不一致', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'order_amount' => $info->amount,
                    'callback_amount' => $params['amount'] ?? null,
                ]);
                return false;
            }
            if (!in_array((int)$info->status, self::PAY_OPEN_STATUSES, true)) {
                return true;
            }

            $processed = self::applyPayCallback(
                $info,
                ZimuPayService::amount($info->amount),
                (string)$params['status'],
                ZimuPayService::PAY_STATUS_SUCCESS,
                ZimuPayService::PAY_STATUS_FAIL,
                $params
            );
            if ($processed && (string)$params['status'] === ZimuPayService::PAY_STATUS_SUCCESS) {
                self::notifyUser($info->member_id, "✅ 支付成功 \n充值金额：{$info->amount} RMB \n订单号：{$info->order_no} \n您充值的金额已到账，请注意查收！");
            }
            return true;
        }

        if (NoPayService::getDepositMerchantId() !== '' && ($params['appId'] ?? '') === NoPayService::getDepositMerchantId()) {
            $info = self::findPayOrder((string)($params['merchantOrderNo'] ?? ''));
            if (!$info || $info->type != self::TYPE_PAY || !NoPayService::isRechargeChannel($info->channel)) {
                Log::error('NO钱包充值回调订单不存在或类型不匹配', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'order_id' => $info->id ?? null,
                    'order_type' => $info->type ?? null,
                    'channel' => $info->channel ?? null,
                ]);
                return false;
            }
            if (!NoPayService::verifyDepositNotify($params)) {
                Log::error('NO钱包充值回调验签失败', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'app_id' => $params['appId'] ?? '',
                    'signature' => NoPayService::depositNotifySignatureDiagnostics($params),
                ]);
                return false;
            }
            if (bccomp(NoPayService::amount($info->amount), NoPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                Log::error('NO钱包充值回调金额不一致', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'order_amount' => $info->amount,
                    'callback_amount' => $params['amount'] ?? null,
                ]);
                return false;
            }
            if (!in_array((int)$info->status, self::PAY_OPEN_STATUSES, true)) {
                return true;
            }

            $processed = self::applyPayCallback(
                $info,
                NoPayService::amount($info->amount),
                (string)$params['state'],
                NoPayService::STATE_SUCCESS,
                NoPayService::STATE_FAIL,
                $params
            );
            if ($processed && (string)$params['state'] === NoPayService::STATE_SUCCESS) {
                self::notifyUser($info->member_id, "✅ 支付成功 \n充值金额：{$info->amount} RMB \n订单号：{$info->order_no} \n您充值的金额已到账，请注意查收！");
            }
            return true;
        }

        if (($params['userCode'] ?? '') === JdPayService::getMerchantId()) {
            $info = self::findPayOrder((string)($params['orderCode'] ?? ''), true);
            if (!$info || $info->type != self::TYPE_PAY) {
                return false;
            }
            if (!JdPayService::verifyPayNotify($params)) {
                return false;
            }
            if (bccomp(JdPayService::amount($info->amount), JdPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                return false;
            }
            if (!in_array((int)$info->status, self::PAY_OPEN_STATUSES, true)) {
                return true;
            }

            $processed = self::applyPayCallback($info, JdPayService::amount($info->amount), (string)$params['status'], JdPayService::PAY_STATUS_SUCCESS, JdPayService::PAY_STATUS_FAIL, $params);
            if ($processed && (string)$params['status'] === JdPayService::PAY_STATUS_SUCCESS) {

                $text = "✅ 支付成功 \n";
                $text .= "充值金额：{$info->amount} RMB \n";
                $text .= "订单号：{$info->order_no} \n";
                $text .= "您充值的金额已到账，请注意查收！";
                self::notifyUser($info->member_id, $text);
            }
            return true;
        }

        // 判断商户号
        if (($params['mchId'] ?? '') == SanJinService::getMerchantId()) {
            $must = ['mchId', 'productId', 'tradeNo', 'outTradeNo', 'amount', 'payAmount', 'state', 'createTime', 'payTime'];


            $info = self::findPayOrder((string)($params['outTradeNo'] ?? ''));
            if ($info) {
                // 平台以分计算转成元
                $payAmount = $params['payAmount'] / 100;
                // 判断金额是不是正确认
                if ($info->amount != $payAmount) {
                    $text = '❌ 支付失败提醒 \n';
                    $text .= "订单金额：{$info->amount} \n";
                    $text .= "实际支付：{$payAmount} \n";
                    $text .= "订单号：{$params['outTradeNo']} \n";
                    $text .= "失败原因：支付金额与订单金额不一致 \n";
                    $text .= "请联系客服处理！";
                    self::notifyUser($info->member_id, $text);
                    return false;
                }

                if ($params['sign'] != SanJinService::signature($params, $must)) {
                    return false;
                }

                if (!in_array((int)$info->status, self::PAY_OPEN_STATUSES, true)) {
                    return false;
                }

                // 付款
                if ($info->type == self::TYPE_PAY) {
                    $processed = self::applyPayCallback($info, $payAmount, (string)$params['state'], '1', null, $params);
                    if ($processed && $params['state'] == 1) {

                        $text = "✅ 支付成功 \n";
                        $text .= "充值金额：{$payAmount} RMB \n";
                        $text .= "订单号：{$params['outTradeNo']} \n";
                        $text .= "您充值的金额已到账，请注意查收！";
                        self::notifyUser($info->member_id, $text);
                    } else {
                        $text = "❌ 支付失败 \n";
                        $text .= "充值金额：{$payAmount} RMB \n";
                        $text .= "订单号：{$params['outTradeNo']} \n";
                    }
                    return true;
                }
            }
        }
    }

    /**
     * 按订单号找在线充值订单：ag 开头的是代理订单（agent_payment_orders），其余是会员订单。
     * JD 回调的 orderCode 可能是三方单号，$byPayNo 时再按 pay_no 查。
     */
    public static function findPayOrder(string $orderNo, bool $byPayNo = false): ?PaymentOrder
    {
        if ($orderNo === '') return null;
        // 按 ag 前缀先查代理订单，找不到再查另一张表，避免前缀约定被打破时回调丢单。
        $models = str_starts_with($orderNo, AgentPaymentOrder::ORDER_PREFIX)
            ? [AgentPaymentOrder::class, PaymentOrder::class] : [PaymentOrder::class, AgentPaymentOrder::class];
        $order = $models[0]::where('order_no', $orderNo)->first() ?: $models[1]::where('order_no', $orderNo)->first();
        if (!$order && $byPayNo) {
            $order = PaymentOrder::where('pay_no', $orderNo)->first() ?: AgentPaymentOrder::where('pay_no', $orderNo)->first();
        }
        return $order;
    }

    private static function applyPayCallback(PaymentOrder $info, $payAmount, string $status, string $successStatus, ?string $failStatus, array $params): bool
    {
        return DB::transaction(function () use ($info, $payAmount, $status, $successStatus, $failStatus, $params) {
            $order = $info::query()->where('id', $info->id)->lockForUpdate()->first();
            if (!$order || (int)$order->type !== self::TYPE_PAY || !in_array((int)$order->status, self::PAY_OPEN_STATUSES, true)) {
                return false;
            }

            $order->callback_data = json_encode($params, JSON_UNESCAPED_UNICODE);
            $order->state = $status;

            if ($status === $successStatus) {
                $order->status = self::STATUS_SUCCESS;
                $order->save();

                if ($order instanceof AgentPaymentOrder) {
                    // 代理订单入代理钱包（合营计入保证金），不发充值优惠。
                    app(AgentPaymentService::class)->credit($order, (string)$payAmount, 'system', null);
                    return true;
                }

                $wallet = WalletModel::where('member_id', $order->member_id)->lockForUpdate()->first();
                if (!$wallet) {
                    throw new Exception('钱包不存在', HttpStatus::CUSTOM_ERROR);
                }

                $balance = $wallet->available_balance;
                $availableBalance = bcadd($balance, $payAmount, 10);
                $wallet->available_balance = $availableBalance;
                $wallet->save();

                $principal = BalanceLogService::addLog($order->member_id, $payAmount, $balance, $availableBalance, '三方充值', $order->id, '');
                RechargeBonusService::grant('payment_order', $order, $principal);

                // Deposit hooks can grant an immediately available first-deposit reward.
                $wallet->refresh();

                return true;
            }

            if ($failStatus === null || $status === $failStatus) {
                $order->status = self::STATUS_FAIL;
            }
            $order->save();

            return true;
        }, 3);
    }


    /**
     * 拒绝提现
     * @description 改变订单状态为失败,将金额退给用户，并记录提现退款的资金日
     * @param int $orderId 订单ID PaymentOrder 表的ID
     * @param string $remark 失败原因
     * @return array
     */
    public static function withdrawalFailed($orderId, $remark): array
    {
        try {
            DB::transaction(function () use ($orderId, $remark) {
                $order = PaymentOrder::where('id', $orderId)
                    ->whereIn('type', [2,4])
                    ->where('status', self::STATUS_STAY)
                    ->lockForUpdate()
                    ->first();
                if (!$order) throw new Exception("订单不存在_{$orderId}", HttpStatus::CUSTOM_ERROR);
                // 更新提现记录状态为失败
                $order->status = self::STATUS_FAIL;
                $order->remark = $remark;
                if (!$order->save()) {
                    throw new Exception("更新失败，请重试", HttpStatus::CUSTOM_ERROR);
                }
                // 冻结余额退回可用余额，并记录退款日志
                WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $order, $order->amount, '三方提现', '提现失败退款');
            }, 3);

        } catch (Exception $e) {
            return ['code' => HttpStatus::CUSTOM_ERROR, 'msg' => $e->getMessage()];
        }
        return ['code' => 0, 'msg' => 'ok'];
    }

    /**
     * 创建代付订单 (根据 orderId 将钱转到用户指定账户)
     * @param int $orderId PaymentOrder 表的ID
     */
    public static function createPayout(int $orderId): array
    {

        try {
            $order = PaymentOrder::where('id', $orderId)
                ->where('type', 2)
                ->where('status', self::STATUS_STAY)
                ->first();
            if (!$order) throw new Exception("订单不存在_{$orderId}", HttpStatus::CUSTOM_ERROR);
            $ret = self::requestPayout((string)$order->channel, (string)$order->order_no, (string)$order->member_id, $order->amount,
                (string)$order->account, (string)$order->card_no, (string)$order->bank_name, ['order_id' => $order->id]);
            if ($ret['pay_no'] !== null) $order->pay_no = $ret['pay_no'];
            if ($ret['pay_data'] !== null) $order->pay_data = $ret['pay_data'];
            $order->status = self::STATUS_PROCESS;
            $order->save();
        } catch (Exception $e) {
            Log::channel('payment_error')->error('创建代付订单失败', [
                'order_id' => $orderId,
                'error' => $e->getMessage(),
            ]);
            Log::error('创建代付订单失败', [
                'order_id' => $orderId,
                'error' => $e->getMessage(),
            ]);
            return ['code' => HttpStatus::CUSTOM_ERROR, 'msg' => $e->getMessage()];
        }
        return ['code' => 0, 'msg' => 'ok'];
    }

    /**
     * 向三方发起代付（NO/808/JD/钱宝），会员提现和代理提现共用。失败抛异常；成功返回三方单号和下单返回。
     * $memberId：会员为 member_id，代理为 AG{代理ID}；$context 只用于日志。
     */
    public static function requestPayout(string $channel, string $orderNo, string $memberId, $amount, string $accountName, string $cardNo, string $bankName, array $context = []): array
    {
        $payNo = null;
        $payData = null;
        if (!PaymentProviderService::requestEnabled($channel, 2)) {
            throw new Exception('支付公司已禁用', HttpStatus::CUSTOM_ERROR);
        }
        if (!RechargeChannel::query()->where('data_type', 2)->where('type', $channel)->available()->exists()) {
            throw new Exception('提现通道已停用或删除', HttpStatus::CUSTOM_ERROR);
        }
        $amount = number_format($amount, 2, '.', '');
        if (NoPayService::isWithdrawChannel($channel)) {
            $ret = NoPayService::withdraw($amount, $orderNo, $memberId, $accountName, $cardNo);
            Log::channel('payment')->info('NO提现接口调用', [
                'order_id' => ($context['order_id'] ?? null),
                'order_no' => $orderNo,
                'member_id' => $memberId,
                'amount' => $amount,
                'q_account' => $cardNo,
                'response' => $ret,
            ]);
            if (($ret['code'] ?? -1) != 0) {
                throw new Exception($ret['msg'] ?? 'NO提现失败', HttpStatus::CUSTOM_ERROR);
            }
            $payNo = $ret['data']['orderNo'] ?? '';
            $payData = json_encode($ret, JSON_UNESCAPED_UNICODE);
        } elseif (ZimuPayService::isPayoutChannel($channel)) {
            self::assertZimuBalanceEnough($amount, [
                'order_id' => ($context['order_id'] ?? null),
                'order_no' => $orderNo,
                'member_id' => $memberId,
                'channel' => $channel,
            ]);
            if (ZimuPayService::isCashChannel($channel)) {
                $ret = ZimuPayService::cash(
                    $amount,
                    $orderNo,
                    $accountName,
                    $cardNo,
                    $bankName,
                    ZimuPayService::cashPayMethod($bankName)
                );
            } else {
                $ret = ZimuPayService::withdraw($amount, $orderNo, $memberId, $cardNo, $accountName);
            }
            Log::channel('payment')->info('ZIMU提现/代付接口调用', [
                'order_id' => ($context['order_id'] ?? null),
                'order_no' => $orderNo,
                'member_id' => $memberId,
                'amount' => $amount,
                'channel' => $channel,
                'response' => $ret,
            ]);
            if (($ret['code'] ?? -1) != 0) {
                throw new Exception($ret['msg'] ?? 'ZIMU提现/代付失败', HttpStatus::CUSTOM_ERROR);
            }
            $payNo = $ret['data']['orderNo'] ?? '';
            $payData = json_encode($ret, JSON_UNESCAPED_UNICODE);
        } elseif (JdPayService::isChannel($channel)) {
            self::assertJdBalanceEnough($amount, [
                'order_id' => ($context['order_id'] ?? null),
                'order_no' => $orderNo,
                'member_id' => $memberId,
                'address' => $cardNo,
            ]);
            $ret = JdPayService::remit($amount, $orderNo, $cardNo);
            Log::channel('payment')->info('JD下发接口调用', [
                'order_id' => ($context['order_id'] ?? null),
                'order_no' => $orderNo,
                'member_id' => $memberId,
                'amount' => $amount,
                'address' => $cardNo,
                'response' => $ret,
            ]);
            if (($ret['code'] ?? 0) != 200) {
                $logContext = [
                    'order_id' => ($context['order_id'] ?? null),
                    'order_no' => $orderNo,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'address' => $cardNo,
                    'response' => $ret,
                ];
                Log::channel('payment_error')->error('JD下发接口失败', $logContext);
                Log::error('JD下发接口失败', $logContext);
                throw new Exception($ret['message'] ?? 'JD下发失败', HttpStatus::CUSTOM_ERROR);
            }
            $payNo = $ret['data']['orderNo'] ?? '';
            $payData = json_encode($ret, JSON_UNESCAPED_UNICODE);
        } else {
            $ret = QianBaoService::payout(
                $amount, $orderNo, $bankName, $accountName, $cardNo, $channel
            );
            Log::error('第三方代付接口调用：' . json_encode($ret, JSON_UNESCAPED_UNICODE));
            if ($ret['code'] != 200) throw new Exception($ret['msg'], HttpStatus::CUSTOM_ERROR);
        }
        return ['pay_no' => $payNo, 'pay_data' => $payData];
    }

    /**
     * @description: 创建代付订单 (自动直接到账，包括用户钱包的扣款和提现记录的生成以及余额日志的创建)
     * @param {*} $memberId 会员ID
     * @param {*} $amount   代付金额
     * @param {*} $channel  提现通道 DF001 支付宝转卡/DF002 支付宝转支付宝
     * @param {*} $bank_name  银行名称/支付宝
     * @param {*} $card_no  银行卡号/支付宝账号
     * @return {*}
     */
    public static function autoCreatePayout($memberId, $amount, $channel, $bank_name, $card_no, ?string $bankBranch = null)
    {
        $default_amount = $amount;
        $result = [];
        $result['chat_id'] = $memberId;
        if ($channel === 'rgtx') {
            $result['text'] = lang('不支持此提现方式');
            return $result;
        }
        if (!PaymentProviderService::requestEnabled((string)$channel, 2)) {
            $result['text'] = '支付公司已禁用';
            return $result;
        }
        $user = User::query()->where('member_id', $memberId)->first();
        $groupId = (int)($user->recharge_channel_group_id ?? 1);
        $channelConfig = RechargeChannel::checkWithdrawChannel($channel, $groupId);
        if ($channelConfig === false) {
            $result['text'] = '不支持此提现方式';
            return $result;
        }
        $minAmount = (float)($channelConfig->min ?? 0);
        $maxAmount = (float)($channelConfig->max ?? 0);
        if ($amount < $minAmount || ($maxAmount > 0 && $amount > $maxAmount)) {
            $result['text'] = "提现金额范围为{$minAmount}-{$maxAmount}";
            return $result;
        }
        $channelRate = (float)($channelConfig->rate ?? 0);
        $channelFixed = $channelConfig->fee_fixed ?? 0;
        $feeText = RechargeChannel::feeDisplay($channelRate, $channelFixed)['fee_text'];

        // 在调用三方支付前开始事务
        DB::beginTransaction();

        try {
            $account = WithdrawalName::forPayout($user, $channel);
            $bankBranch = WithdrawalDestination::bankBranch($channel, $bank_name, $bankBranch);
            $data = [];
            $data['type'] = self::TYPE_PAYOUT;
            $order_no = self::createOrderNo('sj' . $data['type'] . '_', $memberId);
            $data['order_no'] = $order_no;
            $data['member_id'] = $memberId;
            $data += self::feeFields($amount, $channelRate, $channelFixed);
            $amount = number_format($amount, 2, '.', '');
            $data['amount'] = $amount;
            $data['channel'] = $channel;
            $data['bank_name'] = $bank_name;
            if ($bankBranch !== null) {
                $data['bank_branch'] = $bankBranch;
            }
            $data['account'] = $account;
            $data['card_no'] = $card_no;
            if (NoPayService::isWithdrawChannel($channel)) {
                $data['callback_url'] = NoPayService::getWithdrawNotifyUrl();
            } elseif (JdPayService::isChannel($channel)) {
                $data['callback_url'] = JdPayService::getRemitNotifyUrl();
            } elseif (ZimuPayService::isPayoutChannel($channel)) {
                $data['callback_url'] = ZimuPayService::getPayoutNotifyUrl();
            } else {
                $data['callback_url'] = QianBaoService::getNotifyUrl();
            }
            $data['status'] = self::STATUS_STAY;
            $data['remark'] = '三方提现手续费：' . $feeText;

            // 校验打码量 → 冻结资金 → 创建待处理的提现记录 → 重置打码周期
            [$info, $wallet] = WithdrawFundsService::hold((string)$memberId, $default_amount, '三方提现', '三方提现手续费：' . $feeText,
                WithdrawFundsService::PAYMENT_ORDERS, fn () => static::$MODEL::create($data));
            $id = $info->id;
            $available_balance = $wallet->available_balance;

            // 提交事务，确保预扣款成功
            DB::commit();

        } //
        catch (Exception $e) {
            // 预扣款失败，回滚事务
            DB::rollBack();
            $result['text'] = $e->getCode() === HttpStatus::CUSTOM_ERROR ? $e->getMessage() : '系统繁忙，请稍后重试！';
            Log::error('提现预扣款失败: ' . $e->getMessage(), [
                'member_id' => $memberId,
                'amount' => $amount
            ]);
            return $result;
        }

        // 调用三方支付接口（在事务外）
        if (NoPayService::isWithdrawChannel($channel)) {
            try {
                $ret = NoPayService::withdraw($amount, $order_no, (string)$memberId, (string)$account, (string)$card_no);
                Log::channel('payment')->info('NO提现接口调用', [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'q_account' => $card_no,
                    'response' => $ret,
                ]);
                $success = (($ret['code'] ?? -1) == 0);
                $failureMessage = $ret['msg'] ?? 'NO提现失败';
            } catch (Exception $e) {
                $ret = ['msg' => $e->getMessage()];
                $success = false;
                $failureMessage = $e->getMessage();
                Log::channel('payment_error')->error('NO提现接口异常', [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'q_account' => $card_no,
                    'error' => $e->getMessage(),
                ]);
            }
        } elseif (ZimuPayService::isPayoutChannel($channel)) {
            try {
                self::assertZimuBalanceEnough($amount, [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'channel' => $channel,
                ]);
                if (ZimuPayService::isCashChannel($channel)) {
                    $ret = ZimuPayService::cash(
                        $amount,
                        $order_no,
                        (string)$account,
                        (string)$card_no,
                        (string)$bank_name,
                        ZimuPayService::cashPayMethod((string)$bank_name)
                    );
                } else {
                    $ret = ZimuPayService::withdraw($amount, $order_no, (string)$memberId, (string)$card_no, $account);
                }
                Log::channel('payment')->info('ZIMU提现/代付接口调用', [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'channel' => $channel,
                    'response' => $ret,
                ]);
                $success = (($ret['code'] ?? -1) == 0);
                $failureMessage = $ret['msg'] ?? 'ZIMU提现/代付失败';
            } catch (Exception $e) {
                $ret = ['msg' => $e->getMessage()];
                $success = false;
                $failureMessage = $e->getMessage();
                Log::channel('payment_error')->error('ZIMU提现/代付接口异常', [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'channel' => $channel,
                    'error' => $e->getMessage(),
                ]);
            }
        } elseif (JdPayService::isChannel($channel)) {
            try {
                self::assertJdBalanceEnough($amount, [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'address' => $card_no,
                ]);
                $ret = JdPayService::remit($amount, $order_no, $card_no);
                Log::channel('payment')->info('JD下发接口调用', [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'address' => $card_no,
                    'response' => $ret,
                ]);
                $success = (($ret['code'] ?? 0) == 200);
                $failureMessage = $ret['message'] ?? 'JD下发失败';
                if (!$success) {
                    $logContext = [
                        'order_no' => $order_no,
                        'member_id' => $memberId,
                        'amount' => $amount,
                        'address' => $card_no,
                        'response' => $ret,
                    ];
                    Log::channel('payment_error')->error('JD下发接口失败', $logContext);
                    Log::error('JD下发接口失败', $logContext);
                }
            } catch (Exception $e) {
                $ret = ['message' => $e->getMessage()];
                $success = false;
                $failureMessage = $e->getMessage();
                $logContext = [
                    'order_no' => $order_no,
                    'member_id' => $memberId,
                    'amount' => $amount,
                    'address' => $card_no,
                    'error' => $e->getMessage(),
                ];
                Log::channel('payment_error')->error('JD下发接口异常', $logContext);
                Log::error('JD下发接口异常', $logContext);
            }
        } else {
            $ret = QianBaoService::payout($amount, $order_no, $bank_name, $account, $card_no, $channel);
            Log::error('第三方代付接口调用：' . json_encode($ret, JSON_UNESCAPED_UNICODE));
            $success = (($ret['code'] ?? 0) == 200);
            $failureMessage = $ret['msg'] ?? '代付失败';
        }

        if ($success) {
            // 更新提现记录状态为处理中
            DB::beginTransaction();
            try {
                $info->status = self::STATUS_PROCESS;
                if (NoPayService::isWithdrawChannel($channel) || JdPayService::isChannel($channel) || ZimuPayService::isPayoutChannel($channel)) {
                    $info->pay_no = $ret['data']['orderNo'] ?? '';
                    $info->pay_data = json_encode($ret, JSON_UNESCAPED_UNICODE);
                }
                $info->save();
                DB::commit();

                $text = "✅ 提现申请已提交！\n\n";
                $text .= "钱包余额：{$available_balance} RMB\n";
                $text .= "提现金额：{$default_amount} RMB\n";
                $text .= "⌛️请等待系统处理, 到账时间可能需要几分钟!\n";

                $result['text'] = $text;

            } catch (Exception $e) {
                DB::rollBack();
                // 状态更新失败，但资金已扣款且三方支付已成功
                // 这里可以记录告警，需要人工干预
                Log::error('提现状态更新失败: ' . $e->getMessage(), [
                    'member_id' => $memberId,
                    'order_no' => $order_no
                ]);
                $result['text'] = '提现申请已提交，系统处理中...';
            }

        } //
        else {
            // 三方支付失败，需要回滚之前的预扣款
            DB::beginTransaction();
            try {
                // 更新提现记录状态为失败
                $info->status = self::STATUS_FAIL;
                $info->remark = $failureMessage;
                $info->save();

                // 冻结余额退回可用余额，并记录退款日志
                WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $info, $default_amount, '三方提现', '提现失败退款');

                DB::commit();
                $result['text'] = $failureMessage;

            } catch (Exception $e) {
                DB::rollBack();
                // 回滚失败，需要记录告警，人工干预
                Log::error('提现失败回滚异常: ' . $e->getMessage(), [
                    'member_id' => $memberId,
                    'order_no' => $order_no,
                    'amount' => $amount
                ]);
                $result['text'] = '提现失败，请联系客服处理退款！';
            }
        }

        return $result;
    }

    /**
     * @description: 接收三方订单
     * @param {*} $params
     * @return {*}
     */
    public static function receiveOrder($params)
    {
        if (ZimuPayService::getAppId() !== '' && ($params['appId'] ?? '') === ZimuPayService::getAppId()) {
            $info = self::findOne(['order_no' => $params['mchOrderNo'] ?? '']);
            if (!$info && ($agentPayout = self::findAgentPayout((string)($params['mchOrderNo'] ?? '')))) {
                if (!ZimuPayService::verifyNotify($params)
                    || bccomp(ZimuPayService::amount($agentPayout->actual_amount), ZimuPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                    Log::error('ZIMU代理提现回调验签或金额不一致', ['mch_order_no' => $params['mchOrderNo'] ?? '']);
                    return false;
                }
                $cash = ZimuPayService::isCashChannel((string)$agentPayout->account_type);
                return self::agentPayoutResult($agentPayout, (string)($params['status'] ?? ''),
                    $cash ? ZimuPayService::CASH_STATUS_SUCCESS : ZimuPayService::WITHDRAW_STATUS_SUCCESS,
                    $cash ? ZimuPayService::CASH_STATUS_FAIL : ZimuPayService::WITHDRAW_STATUS_FAIL, $params);
            }
            if (!$info || $info->type != self::TYPE_PAYOUT || !ZimuPayService::isPayoutChannel($info->channel)) {
                Log::error('ZIMU提现/代付回调订单不存在或类型不匹配', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'order_id' => $info->id ?? null,
                    'order_type' => $info->type ?? null,
                    'channel' => $info->channel ?? null,
                ]);
                return false;
            }
            if (!ZimuPayService::verifyNotify($params)) {
                Log::error('ZIMU提现/代付回调验签失败', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'app_id' => $params['appId'] ?? '',
                    'signature' => ZimuPayService::notifySignatureDiagnostics($params),
                ]);
                return false;
            }
            if (bccomp(ZimuPayService::amount($info->amount), ZimuPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                Log::error('ZIMU提现/代付回调金额不一致', [
                    'mch_order_no' => $params['mchOrderNo'] ?? '',
                    'order_amount' => $info->amount,
                    'callback_amount' => $params['amount'] ?? null,
                ]);
                return false;
            }
            self::onSubmitZimuPayout($params, $info);
            return true;
        }

        if (NoPayService::getWithdrawMerchantId() !== '' && ($params['appId'] ?? '') === NoPayService::getWithdrawMerchantId()) {
            $info = self::findOne(['order_no' => $params['merchantOrderNo'] ?? '']);
            if (!$info && ($agentPayout = self::findAgentPayout((string)($params['merchantOrderNo'] ?? '')))) {
                if (!NoPayService::verifyWithdrawNotify($params)
                    || bccomp(NoPayService::amount($agentPayout->actual_amount), NoPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                    Log::error('NO代理提现回调验签或金额不一致', ['merchant_order_no' => $params['merchantOrderNo'] ?? '']);
                    return false;
                }
                return self::agentPayoutResult($agentPayout, (string)($params['state'] ?? ''),
                    NoPayService::STATE_SUCCESS, NoPayService::STATE_FAIL, $params);
            }
            if (!$info || $info->type != self::TYPE_PAYOUT || !NoPayService::isWithdrawChannel($info->channel)) {
                Log::error('NO钱包提现回调订单不存在或类型不匹配', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'order_id' => $info->id ?? null,
                    'order_type' => $info->type ?? null,
                    'channel' => $info->channel ?? null,
                ]);
                return false;
            }
            if (!NoPayService::verifyWithdrawNotify($params)) {
                Log::error('NO钱包提现回调验签失败', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'app_id' => $params['appId'] ?? '',
                    'signature' => NoPayService::withdrawNotifySignatureDiagnostics($params),
                ]);
                return false;
            }
            if (bccomp(NoPayService::amount($info->amount), NoPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                Log::error('NO钱包提现回调金额不一致', [
                    'merchant_order_no' => $params['merchantOrderNo'] ?? '',
                    'order_amount' => $info->amount,
                    'callback_amount' => $params['amount'] ?? null,
                ]);
                return false;
            }
            self::onSubmitNoPayout($params, $info);
            return true;
        }

        if (($params['userCode'] ?? '') === JdPayService::getMerchantId()) {
            $info = self::findOne(['order_no' => $params['customerOrderCode'] ?? ''])
                ?: static::$MODEL::where('pay_no', $params['orderCode'] ?? '')->first();
            if (!$info && ($agentPayout = self::findAgentPayout((string)($params['customerOrderCode'] ?? ''), (string)($params['orderCode'] ?? '')))) {
                if (!JdPayService::verifyRemitNotify($params)
                    || bccomp(JdPayService::amount($agentPayout->actual_amount), JdPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                    return false;
                }
                return self::agentPayoutResult($agentPayout, (string)($params['status'] ?? ''),
                    JdPayService::REMIT_STATUS_SUCCESS, JdPayService::REMIT_STATUS_FAIL, $params);
            }
            if (!$info || $info->type != self::TYPE_PAYOUT) {
                return false;
            }
            if (!JdPayService::verifyRemitNotify($params)) {
                return false;
            }
            if (bccomp(JdPayService::amount($info->amount), JdPayService::amount($params['amount'] ?? 0), 2) !== 0) {
                return false;
            }
            self::onSubmitJdPayout($params, $info);
            return true;
        }

        // 判断商户号是否一致
        if (($params['merchantNum'] ?? '') == QianBaoService::getMerchantId()) {

            $info = self::findOne(['order_no' => $params['orderNo']]);
            if (!$info && ($agentPayout = self::findAgentPayout((string)($params['orderNo'] ?? '')))) {
                if (bccomp((string)$agentPayout->actual_amount, (string)($params['amount'] ?? 0), 2) !== 0
                    || ($params['sign'] ?? '') != QianBaoService::verifyNotifySign($params['state'] ?? '', $params['orderNo'], $params['amount'])) {
                    return false;
                }
                // 钱宝：state=1 成功，其他为失败（与会员代付一致）
                $state = (string)($params['state'] ?? '');
                return self::agentPayoutResult($agentPayout, $state, '1', $state === '1' ? '' : $state, $params);
            }
            if ($info) {
                // 判断金额是不是正确认
                if ($info->amount != $params['amount']) {
                    return false;
                }

                // 验证签名
                $sign = QianBaoService::verifyNotifySign($params['state'], $params['orderNo'], $params['amount']);
                if ($params['sign'] != $sign) {
                    return false;
                }
                // 代付
                if ($info->type == self::TYPE_PAYOUT) {
                    self::onSubmitPayout($params, $info);
                }
                // 代收
                if ($info->type == self::TYPE_PAY) {

                }
            }

        }

    }

    /** 三方代付回调的订单号不在会员订单里时，查代理提现（订单号 AW 开头；JD 也可按三方单号）。 */
    private static function findAgentPayout(string $orderNo, string $payNo = ''): ?AgentWithdrawal
    {
        if ($orderNo === '' && $payNo === '') return null;
        $order = $orderNo === '' ? null : AgentWithdrawal::query()->where('order_no', $orderNo)->first();
        return $order ?: ($payNo === '' ? null : AgentWithdrawal::query()->where('pay_no', $payNo)->first());
    }

    /** 代理提现代付结果：成功扣冻结、失败退回代理余额；其他状态只记录回调。重复回调幂等。 */
    private static function agentPayoutResult(AgentWithdrawal $withdrawal, string $status, string $success, string $fail, array $params): bool
    {
        $result = $status === $success ? true : ($fail !== '' && $status === $fail ? false : null);
        app(AgentWithdrawalService::class)->providerResult((int)$withdrawal->id, $result, $params);
        return true;
    }

    /**
     * @description: 处理代付订单
     * @param {*} $params
     * @return {*}
     */
    public static function onSubmitJdPayout($params, $info)
    {
        if ($info->status != self::STATUS_PROCESS) {
            return;
        }

        $memberId = $info->member_id;
        $amount = JdPayService::amount($params['amount'] ?? $info->amount);
        $data = [];
        $chat_id = $info->member_id;
        $data['callback_data'] = json_encode($params, JSON_UNESCAPED_UNICODE);
        DB::beginTransaction();
        try {
            $locked = static::$MODEL::where('id', $info->id)->lockForUpdate()->first();
            if (!$locked || $locked->status != self::STATUS_PROCESS) {
                DB::rollBack();
                return;
            }
            if ((string)$params['status'] === JdPayService::REMIT_STATUS_SUCCESS) {
                $data['status'] = self::STATUS_SUCCESS;
                $res = static::$MODEL::where(['id' => $info->id])->update($data);
                AdminRealtime::record('payment_orders', $info->id);
                WithdrawFundsService::settle(WithdrawFundsService::PAYMENT_ORDERS, $locked);
                if ($res) {
                    $text = "✅ 提现通知 \n";
                    $text .= "提现平台：{$info->bank_name} \n";
                    $text .= "收款人：{$info->account} \n";
                    $text .= "收款地址：{$info->card_no} \n";
                    $text .= "提现金额：{$info->amount} \n";
                    $text .= "提现成功，金额已到账，请注意查收！";
                    self::notifyUser($chat_id, $text);
                }
            } elseif ((string)$params['status'] === JdPayService::REMIT_STATUS_FAIL) {
                $data['status'] = self::STATUS_FAIL;
                $res = static::$MODEL::where(['id' => $info->id])->update($data);
                AdminRealtime::record('payment_orders', $info->id);

                WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $locked, $amount, '三方提现', '提现失败退款');
                if ($res) {
                    $text = "❌ 提现通知 \n";
                    $text .= "提现平台：{$info->bank_name} \n";
                    $text .= "收款人：{$info->account} \n";
                    $text .= "收款地址：{$info->card_no} \n";
                    $text .= "提现金额：{$info->amount} \n";
                    $text .= "提现失败，金额已返回钱包，请注意查收！";
                    self::notifyUser($chat_id, $text);
                }
            }

            DB::commit();
        } catch (Exception $e) {
            DB::rollBack();
            Log::error('JD提现回调处理异常: ' . $e->getMessage(), $params);
        }
    }

    public static function onSubmitNoPayout($params, $info)
    {
        $notification = null;
        try {
            DB::transaction(function () use ($params, $info, &$notification) {
                $order = PaymentOrder::where('id', $info->id)->lockForUpdate()->first();
                if (!$order || $order->status != self::STATUS_PROCESS) {
                    return;
                }

                $order->callback_data = json_encode($params, JSON_UNESCAPED_UNICODE);
                if ((string)$params['state'] === NoPayService::STATE_SUCCESS) {
                    $order->status = self::STATUS_SUCCESS;
                    $order->save();
                    WithdrawFundsService::settle(WithdrawFundsService::PAYMENT_ORDERS, $order);
                    $notification = "✅ 提现通知 \n提现平台：{$order->bank_name} \n收款人：{$order->account} \nNO钱包账号：{$order->card_no} \n提现金额：{$order->amount} \n提现成功，金额已到账，请注意查收！";
                } elseif ((string)$params['state'] === NoPayService::STATE_FAIL) {
                    $order->status = self::STATUS_FAIL;
                    $order->save();

                    WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $order, NoPayService::amount($order->amount), '三方提现', '提现失败退款');
                    $notification = "❌ 提现通知 \n提现平台：{$order->bank_name} \n收款人：{$order->account} \nNO钱包账号：{$order->card_no} \n提现金额：{$order->amount} \n提现失败，金额已返回钱包，请注意查收！";
                } else {
                    $order->save();
                }
            }, 3);

            if ($notification !== null) {
                self::notifyUser($info->member_id, $notification);
            }
        } catch (Exception $e) {
            Log::channel('payment_error')->error('NO提现回调处理异常', [
                'order_id' => $info->id,
                'params' => $params,
                'error' => $e->getMessage(),
            ]);
        }
    }

    public static function onSubmitZimuPayout($params, $info)
    {
        $notification = null;
        $successStatus = ZimuPayService::isCashChannel($info->channel)
            ? ZimuPayService::CASH_STATUS_SUCCESS
            : ZimuPayService::WITHDRAW_STATUS_SUCCESS;
        $failStatus = ZimuPayService::isCashChannel($info->channel)
            ? ZimuPayService::CASH_STATUS_FAIL
            : ZimuPayService::WITHDRAW_STATUS_FAIL;

        try {
            DB::transaction(function () use ($params, $info, &$notification, $successStatus, $failStatus) {
                $order = PaymentOrder::where('id', $info->id)->lockForUpdate()->first();
                if (!$order || $order->status != self::STATUS_PROCESS) {
                    return;
                }

                $order->callback_data = json_encode($params, JSON_UNESCAPED_UNICODE);
                if ((string)$params['status'] === $successStatus) {
                    $order->status = self::STATUS_SUCCESS;
                    $order->save();
                    WithdrawFundsService::settle(WithdrawFundsService::PAYMENT_ORDERS, $order);
                    $accountLabel = ZimuPayService::isCashChannel($order->channel) ? '收款账号' : '808钱包地址';
                    $notification = "✅ 提现通知 \n提现平台：{$order->bank_name} \n收款人：{$order->account} \n{$accountLabel}：{$order->card_no} \n提现金额：{$order->amount} \n提现成功，金额已到账，请注意查收！";
                } elseif ((string)$params['status'] === $failStatus) {
                    $order->status = self::STATUS_FAIL;
                    $order->save();

                    WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $order, ZimuPayService::amount($order->amount), '三方提现', '提现失败退款');
                    $accountLabel = ZimuPayService::isCashChannel($order->channel) ? '收款账号' : '808钱包地址';
                    $notification = "❌ 提现通知 \n提现平台：{$order->bank_name} \n收款人：{$order->account} \n{$accountLabel}：{$order->card_no} \n提现金额：{$order->amount} \n提现失败，金额已返回钱包，请注意查收！";
                } else {
                    $order->save();
                }
            }, 3);

            if ($notification !== null) {
                self::notifyUser($info->member_id, $notification);
            }
        } catch (Exception $e) {
            Log::channel('payment_error')->error('ZIMU提现/代付回调处理异常', [
                'order_id' => $info->id,
                'params' => $params,
                'error' => $e->getMessage(),
            ]);
        }
    }

    public static function onSubmitPayout($params, $info)
    {
        $memberId = $info->member_id;
        $amount = $params['amount'];
        $data = [];
        $result = [];
        $chat_id = $info->member_id;
        $data['callback_data'] = json_encode($params, JSON_UNESCAPED_UNICODE);
        DB::beginTransaction();
        try {
            // 只处理“处理中”的代付单，避免重复回调重复退款
            $locked = static::$MODEL::where('id', $info->id)->lockForUpdate()->first();
            if (!$locked || $locked->status != self::STATUS_PROCESS) {
                DB::rollBack();
                return;
            }
            if ($params['state'] == 1) {
                $data['status'] = self::STATUS_SUCCESS;
                $res = static::$MODEL::where(['order_no' => $params['orderNo']])->update($data);
                AdminRealtime::record('payment_orders', $info->id);
                WithdrawFundsService::settle(WithdrawFundsService::PAYMENT_ORDERS, $locked);
                if ($res) {
                    $text = "✅ 提现通知 \n";
                    $text .= "提现平台：{$info->bank_name} \n";
                    $text .= "收款人：{$info->account} \n";
                    $text .= "收款卡号：{$info->card_no} \n";
                    $text .= "提现金额：{$info->amount} \n";
                    $text .= "提现成功，金额已到账，请注意查收！";
                    self::notifyUser($chat_id, $text);
                }
            } else {
                $data['status'] = self::STATUS_FAIL;
                $res = static::$MODEL::where(['order_no' => $params['orderNo']])->update($data);
                AdminRealtime::record('payment_orders', $info->id);

                // 冻结余额退回可用余额，并记录退款日志
                WithdrawFundsService::release(WithdrawFundsService::PAYMENT_ORDERS, $locked, $amount, '三方提现', '提现失败退款');
                if ($res) {
                    $text = "❌ 提现通知 \n";
                    $text .= "提现平台：{$info->bank_name} \n";
                    $text .= "收款人：{$info->account} \n";
                    $text .= "收款卡号：{$info->card_no} \n";
                    $text .= "提现金额：{$info->amount} \n";
                    $text .= "提现失败，金额已返回钱包，请注意查收！";
                    self::notifyUser($chat_id, $text);
                }
            }

            DB::commit();

        } catch (Exception $e) {
            DB::rollBack();
            // 回滚失败，需要记录告警，人工干预
            Log::error('提现失败回滚异常: ' . $e->getMessage(), $params);
        }


    }

    /**
     * @description: 查询支付订单
     * @param {*} $id
     * @return {*}
     */
    public static function singlePayOrder($id)
    {
        return self::queryPayOrder(self::findOne(['id' => $id]));
    }

    /** 向三方查询在线充值订单并按结果入账。会员和代理订单共用。 */
    public static function queryPayOrder(?PaymentOrder $info): array
    {
        $msg = [];
        $msg['code'] = self::NOT;
        if ($info && (int)$info->type === self::TYPE_PAY && in_array((int)$info->status, self::PAY_OPEN_STATUSES, true)) {
            if (NoPayService::isRechargeChannel($info->channel)) {
                $ret = NoPayService::queryPayOrder($info->order_no, (string)$info->member_id);
                Log::channel('payment')->info('NO支付查询订单', $ret);
                if (($ret['code'] ?? -1) == 0) {
                    $item = $ret['data'] ?? [];
                    if ((string)($item['state'] ?? '') === NoPayService::STATE_SUCCESS) {
                        $processed = self::applyPayCallback(
                            $info,
                            NoPayService::amount($info->amount),
                            NoPayService::STATE_SUCCESS,
                            NoPayService::STATE_SUCCESS,
                            NoPayService::STATE_FAIL,
                            $ret
                        );
                        $msg['code'] = $processed ? self::YES : self::NOT;
                        $msg['msg'] = $processed ? '支付成功' : '订单已处理';
                    } elseif ((string)($item['state'] ?? '') === NoPayService::STATE_FAIL) {
                        self::applyPayCallback(
                            $info,
                            NoPayService::amount($info->amount),
                            NoPayService::STATE_FAIL,
                            NoPayService::STATE_SUCCESS,
                            NoPayService::STATE_FAIL,
                            $ret
                        );
                        $msg['msg'] = '支付失败';
                    } else {
                        $msg['msg'] = '支付中';
                    }
                } else {
                    $msg['msg'] = '查询失败：' . ($ret['msg'] ?? '');
                }
                return $msg;
            }

            if (ZimuPayService::isRechargeChannel($info->channel)) {
                $ret = ZimuPayService::queryPayOrder($info->order_no);
                Log::channel('payment')->info('ZIMU支付查询订单', $ret);
                if (($ret['code'] ?? -1) == 0) {
                    $item = $ret['data'] ?? [];
                    if ((string)($item['status'] ?? '') === ZimuPayService::PAY_STATUS_SUCCESS) {
                        $processed = self::applyPayCallback(
                            $info,
                            ZimuPayService::amount($info->amount),
                            ZimuPayService::PAY_STATUS_SUCCESS,
                            ZimuPayService::PAY_STATUS_SUCCESS,
                            ZimuPayService::PAY_STATUS_FAIL,
                            $ret
                        );
                        $msg['code'] = $processed ? self::YES : self::NOT;
                        $msg['msg'] = $processed ? '支付成功' : '订单已处理';
                    } elseif ((string)($item['status'] ?? '') === ZimuPayService::PAY_STATUS_FAIL) {
                        self::applyPayCallback(
                            $info,
                            ZimuPayService::amount($info->amount),
                            ZimuPayService::PAY_STATUS_FAIL,
                            ZimuPayService::PAY_STATUS_SUCCESS,
                            ZimuPayService::PAY_STATUS_FAIL,
                            $ret
                        );
                        $msg['msg'] = '支付失败';
                    } else {
                        $msg['msg'] = '支付中';
                    }
                } else {
                    $msg['msg'] = '查询失败：' . ($ret['msg'] ?? '');
                }
                return $msg;
            }

            if (JdPayService::isChannel($info->channel)) {
                $ret = JdPayService::queryPayOrder($info->pay_no ?? '', $info->order_no);
                Log::channel('payment')->info('JD支付查询订单', $ret);
                if (($ret['code'] ?? 0) == 200) {
                    $item = $ret['data'] ?? [];
                    if ((string)($item['status'] ?? '') === JdPayService::PAY_STATUS_SUCCESS) {
                        $processed = self::applyPayCallback($info, JdPayService::amount($info->amount), JdPayService::PAY_STATUS_SUCCESS,
                            JdPayService::PAY_STATUS_SUCCESS, JdPayService::PAY_STATUS_FAIL, $ret);
                        $msg['code'] = $processed ? self::YES : self::NOT;
                        $msg['msg'] = $processed ? '支付成功' : '订单已处理';
                    } else {
                        $msg['msg'] = '支付中';
                    }
                } else {
                    $msg['msg'] = '查询失败：' . ($ret['message'] ?? '');
                }
                return $msg;
            }

            $ret = SanJinService::queryOrder($info->order_no);
            Log::error('三斤支付查询订单：', $ret);
            if ($ret['code'] == 0) {
                $item = [];
                $item['state'] = $ret['data']['state'];
                if ($ret['data']['state'] == 1) {
                    $processed = self::applyPayCallback($info, (string)$info->amount, '1', '1', null, $ret);
                    $msg['code'] = $processed ? self::YES : self::NOT;
                    $msg['msg'] = $processed ? '支付成功' : '订单已处理';
                } else {
                    $msg['msg'] = '支付中';
                }

            } else {
                $msg['msg'] = '查询失败：' . $ret['message'];
            }
        } else {
            $msg['msg'] = '该状态无法查询';
        }

        return $msg;

    }

    private static function assertJdBalanceEnough($amount, array $context = []): void
    {
        $ret = JdPayService::balance();
        Log::channel('payment')->info('JD余额查询', $context + [
            'amount' => $amount,
            'response' => $ret,
        ]);
        if (($ret['code'] ?? 0) != 200) {
            $logContext = $context + [
                'amount' => $amount,
                'response' => $ret,
            ];
            Log::channel('payment_error')->error('JD余额查询失败', $logContext);
            Log::error('JD余额查询失败', $logContext);
            throw new Exception($ret['message'] ?? 'JD余额查询失败', HttpStatus::CUSTOM_ERROR);
        }
        $balance = $ret['data']['balance'] ?? null;
        if ($balance === null || bccomp((string)$balance, JdPayService::amount($amount), 2) < 0) {
            $logContext = $context + [
                'amount' => $amount,
                'balance' => $balance,
                'response' => $ret,
            ];
            Log::channel('payment_error')->error('JD商户余额不足', $logContext);
            Log::error('JD商户余额不足', $logContext);
            throw new Exception('JD商户余额不足', HttpStatus::CUSTOM_ERROR);
        }
    }

    private static function assertZimuBalanceEnough($amount, array $context = []): void
    {
        $ret = ZimuPayService::balance();
        Log::channel('payment')->info('ZIMU余额查询', $context + [
            'amount' => $amount,
            'response' => $ret,
        ]);
        if (($ret['code'] ?? -1) != 0) {
            $logContext = $context + [
                'amount' => $amount,
                'response' => $ret,
            ];
            Log::channel('payment_error')->error('ZIMU余额查询失败', $logContext);
            Log::error('ZIMU余额查询失败', $logContext);
            throw new Exception($ret['msg'] ?? 'ZIMU余额查询失败', HttpStatus::CUSTOM_ERROR);
        }
        $balance = $ret['data']['balance'] ?? null;
        if ($balance === null || bccomp((string)$balance, ZimuPayService::amount($amount), 2) < 0) {
            $logContext = $context + [
                'amount' => $amount,
                'balance' => $balance,
                'response' => $ret,
            ];
            Log::channel('payment_error')->error('ZIMU商户余额不足', $logContext);
            Log::error('ZIMU商户余额不足', $logContext);
            throw new Exception('ZIMU商户余额不足', HttpStatus::CUSTOM_ERROR);
        }
    }

    private static function notifyUser($chatId, string $text): void
    {
        if ((int)User::where('member_id', $chatId)->value('from') !== -1) {
            return;
        }

        try {
            self::sendMessage($chatId, $text);
        } catch (\Throwable $e) {
            Log::channel('payment_error')->error('支付订单用户通知失败', [
                'chat_id' => $chatId,
                'error' => $e->getMessage(),
            ]);
        }
    }

    public static function syncPayOrder()
    {
        $list = static::$MODEL::where('state', 0)->where('type', self::TYPE_PAY)->take(100)->get();
        // foreach($list->toArray() as $k => $v){
        //      $item= [];
        //     if($v['status'] == self::STATUS_SUCCESS){
        //         $item['state'] = 1;
        //         static::$MODEL::where(['id'=>$v['id']])->update($item);
        //     }else{
        //         $ret = SanJinService::queryOrder($v['order_no']);
        //         var_dump($ret);
        //         if($ret['code'] == 0){

        //             $item['state'] = $ret['data']['state'];
        //             static::$MODEL::where(['id'=>$v['id']])->update($item);
        //         }
        //     }

        // }
    }

}