package com.nova.sankuai.infra.utils.zhd;
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import cn.hutool.core.util.IdUtil;
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import com.alibaba.fastjson.JSON;
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import com.alibaba.fastjson.JSONObject;
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import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
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import com.nova.sankuai.domain.api.hht.HhtIncomeResponse;
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import com.nova.sankuai.domain.api.zhd.ZhdResponse;
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import com.nova.sankuai.domain.entity.*;
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import com.nova.sankuai.domain.enums.capitalInfo.CapitalInfoTypeCodeEnum;
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import com.nova.sankuai.domain.vo.capitalresult.LvdiPushResultVo;
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import com.nova.sankuai.infra.config.CommonException;
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import com.nova.sankuai.infra.mapper.CustomerCapitalResultMapper;
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import com.nova.sankuai.infra.mapper.CustomerMapper;
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import com.nova.sankuai.infra.utils.ResultJson;
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import com.nova.sankuai.infra.utils.UserUtil;
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import com.nova.sankuai.security.HttpClientUtil;
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import com.nova.sankuai.security.UserDetail;
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import com.nova.sankuai.service.ICustomerScyIncomeService;
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import com.nova.sankuai.service.ICustomerUserService;
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import com.nova.sankuai.service.IPlatformCapitalService;
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import lombok.RequiredArgsConstructor;
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import org.apache.commons.lang3.StringUtils;
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import org.jetbrains.annotations.Nullable;
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import org.slf4j.Logger;
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import org.slf4j.LoggerFactory;
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import org.springframework.beans.factory.annotation.Value;
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import org.springframework.stereotype.Component;
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import org.springframework.util.DigestUtils;
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import javax.crypto.Cipher;
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import javax.crypto.spec.SecretKeySpec;
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import javax.servlet.http.HttpServletRequest;
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import java.nio.charset.StandardCharsets;
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import java.time.LocalDate;
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import java.time.format.DateTimeFormatter;
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import java.time.temporal.ChronoUnit;
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import java.util.*;
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import static java.util.Map.Entry.comparingByKey;
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import static java.util.stream.Collectors.toMap;
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/**
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* 助贷对接
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*/
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@Component
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@RequiredArgsConstructor
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public class ZhdUtil {
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private static final Logger log = LoggerFactory.getLogger("capitalLogger");
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private static final String CHARSET_NAME = "utf8";
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private static final Long capitalId = 22L;
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@Value("${zhd.zkUrl}")
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private String zkUrl;
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@Value("${zhd.jkUrl}")
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private String jkUrl;
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@Value("${zhd.channelKey}")
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private String channelKey;
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@Value("${zhd.secretKey}")
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private String secretKey;
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private String getJobAage(String workStartTime, String workEndTime) {
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if (StringUtils.isBlank(workStartTime)) {// 若为空，则不取该条数据
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return "";
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}
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workStartTime = workStartTime.substring(0, 10);
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LocalDate endDate = null;
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DateTimeFormatter formatter = DateTimeFormatter.ofPattern("yyyy-MM-dd");
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LocalDate startDate = LocalDate.parse(workStartTime, formatter);
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if (StringUtils.isNotBlank(workEndTime)) {
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workEndTime = workEndTime.substring(0, 10);
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endDate = LocalDate.parse(workEndTime, formatter);
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} else {
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endDate = LocalDate.now();
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}
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long month = ChronoUnit.MONTHS.between(startDate, endDate);
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// F:0-6个月 G:6-12个月 H:12个月以上
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if (month < 6) {
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return "F";
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} else if (month >= 6 && month < 12) {
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return "G";
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}
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return "H";
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}
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private final CustomerMapper customerMapper;
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private final CustomerCapitalResultMapper capitalResultMapper;
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private final IPlatformCapitalService platformCapitalService;
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private final ICustomerUserService customerUserService;
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private final ICustomerScyIncomeService customerZcyIncomeService;
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private JSONObject getParam(Customer customer) {
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JSONObject param = new JSONObject();
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/*申请人身份证*/
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param.put("id_card_no", customer.getIdCard());
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/*性别
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SM：男 SW：女*/
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String sex = customer.getSex();
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param.put("sex", "男".equals(sex) ? 2 : 1);
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/*年龄 10-99的正整数。如34*/
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Integer age = customer.getAge();
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param.put("age", age.intValue());
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/*申请金额 单位：万*/
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param.put("demand_amount", customer.getLoanAmount() / 10000);
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/*贷款天数暂只支持传：30的倍数*/
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param.put("demand_days", customer.getLoanTerm() / 30);
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/*公积金 100【无】；101【3个月以下】；102【3-6个月】；103【6个月以上】*/
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Integer accumulation = customer.getProvidentFund();
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int at = Objects.isNull(accumulation) ? 0 : accumulation.intValue();
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int accu = 100;
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if (at == 1) accu = 101;
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else if (at == 2) accu = 102;
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else if (at == 3) accu = 103;
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param.put("fund", accu);
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/*社保： 200【无】；201【3个月以下】；202【3-6个月】；203【6个月以上】*/
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Integer social = customer.getSocialSecurity();
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int soc = Objects.isNull(social) ? 0 : social.intValue();
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int soci = 200;
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if (soc == 1) {
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soci = 201;
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} else if (soc == 2) {
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soci = 202;
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} else if (soc == 3) {
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soci = 203;
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}
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param.put("social", soci);
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/* 保险情况 ：300【无】；301【投保人寿险且保两年以下】；302【投保人寿险且保两年以上】*/
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Integer insurancePolicy = customer.getInsurancePolicy();
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int ipy = Objects.isNull(insurancePolicy) ? 0 : insurancePolicy.intValue();
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int hasPolicy = 300;
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if (ipy == 6) {
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hasPolicy = 301;
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} else if (ipy == 7) {
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hasPolicy = 302;
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}
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param.put("insurance", hasPolicy);
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/*芝麻分 ：500【无】；501【580分以下】；502【580-599分】；503【600-619分】；504【620-649分】；505【650-699分】；506【700分以上】；*/
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Integer customerSesame = customer.getSesame();
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int cus = Objects.isNull(customerSesame) ? 1 : customerSesame.intValue();
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int sesame = 500;// 默认 1 无
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if (cus == 2) {
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sesame = 504;
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} else if (cus == 3) {
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sesame = 505;
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} else if (cus == 4) {
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sesame = 506;
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}
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param.put("zhima_score", sesame);
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/* 信用卡额度 ：600【无】；601【3000以下】；602【3000-1万】；603【1-3万】；604【3万以上】；上*/
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Integer cc = customer.getCreditCard();
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int ccV = Objects.isNull(cc) ? 0 : cc.intValue();
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int creditCard = 600;
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if (ccV == 3) {
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creditCard = 602;
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}
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else if (ccV == 4) {
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creditCard = 603;
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}
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else if (ccV == 5) {
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creditCard = 604;
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}
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param.put("credit_card_limit", creditCard);
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/*微粒贷 ：700【无】；701【3000以下】；702【3000-1万】；703【1-3万】；704【3万以上】；*/
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param.put("wld", 700);
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/*花呗 ：800【无】；801【3000以下】；802【3000-1万】；803【1-3万】；804【3万以上】；*/
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param.put("huabei", 800);
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/*白条 ：900【无】；901【3000以下】；902【3000-1万】；903【1-3万】；904【3万以上】；*/
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param.put("baitiao", 900);
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/*教育 1000【初中】；1001【高中】；1002【中专】；1003【大专】；1004【本科】；1005【硕士】；1006【博士及以上】*/
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String et = customer.getEducation();
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int education = 1001;
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if ("01".equals(et)) {
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education = 1004;
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} else if ("02".equals(et)) {
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education = 1000;
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} else if ("03".equals(et)) {
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education = 1001;
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} else if ("04".equals(et)) {
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education = 1003;
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} else if ("05".equals(et)) {
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education = 1004;
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} else if ("06".equals(et)) {
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education = 1005;
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} else if ("07".equals(et)) {
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education = 1006;
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}
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param.put("education_level", education);
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/*职业 A:上班族 B:个体户 C:自由职业 BS:企业主*/
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Integer pi = customer.getProfessionInfo();
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int professionInfo = 1;// 默认自由职业
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int job = 1103;
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if (!Objects.isNull(pi)) {
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professionInfo = pi.intValue();
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}
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if (professionInfo == 0) {
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job = 1100;
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} else if (professionInfo == 1) {
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job = 1103;
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} else if (professionInfo == 2) {
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job = 1101;
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} else if (professionInfo == 3) {
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job = 1102;
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}
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param.put("career", job);
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/*营业执照 ： 1200【无】；1201【有】*/
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param.put("business_license", 1200);
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/*信用逾期情况：1300【无信用卡或贷款】；1301【1年内逾期超过3次或者90天】；1302【1年内逾期少于3次且少于90天】；1303【信用良好，无逾期】；1304【近一年无逾期】*/
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param.put("credit_card_overdue", 1300);
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/* house int 否 1 1400:无房产 1401:有按揭商品房 1402:有全款商品房 1403:有自建房 1404: 仅外地有房 */
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Integer houseStatus = customer.getHouseStatus();
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int hs = Objects.isNull(houseStatus) ? 0 : houseStatus.intValue();
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int house = 1400;
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if (hs == 6) {
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house = 1404;
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} else if (hs == 5) {
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house = 1402;
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} else if (hs == 4) {
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house = 1401;
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}
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param.put("house", house);
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/* car int 否 1 车产类型 (1500无 1502全款 1501按揭) */
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Integer carStatus = customer.getCarStatus();
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int cs = Objects.isNull(carStatus) ? 0 : carStatus.intValue();
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int car = 1500;
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if (cs == 4) {// 有按揭车
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car = 1501;
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} else if (cs == 5) {// 全款车
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car = 1502;
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}
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param.put("car", car);
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/* 工资/收入发放方式： 1900【无】；1901【现金发放】；1902【转账工资】；1903【银行代发】 */
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param.put("monthly_income_type", 1902);
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/*月收入 单位：元*/
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param.put("monthly_income", customer.getMonthlyIncome());
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/*公司名称*/
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param.put("company_name", customer.getCompanyName());
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/* 城市 不带市 例如：北京 上海*/
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param.put("city_name", customer.getCityName());
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/*唯一订单号 最大长度64*/
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param.put("order_sn", UUID.randomUUID().toString());
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return param;
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}
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/**
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* 中诚易数据推送到助贷操作
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*/
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public boolean zcyPushToZhd(Customer customer, String logNumber) {
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boolean isSucc = false;
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log.info("日志编号：" + logNumber + "，手机号：{}，中诚易数据推送到助贷流程开始", customer.getPhone());
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try {
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JSONObject param = getParam(customer);
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isSucc = push(customer, param, logNumber);
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Integer zhd = 0;
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if (!isSucc) {
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log.error("日志编号：" + logNumber + "，手机号：{}，中诚易数据推送到助贷失败", customer.getPhone());
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} else {
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zhd = 1;
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}
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saveStatus(customer, zhd);
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} catch (Exception ex) {
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log.error("日志编号：" + logNumber + "，手机号：{}，中诚易数据推送到助贷失败", customer.getPhone());
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}
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return isSucc;
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}
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public LvdiPushResultVo zhdPush(CustomerUser customerUser, String channelCode) {
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String logNumber = IdUtil.randomUUID();
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log.info("日志编号：" + logNumber + "助贷 channelCode:" + channelCode + " 推送流程开始");
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Customer customer = customerMapper.getLatestCustomerRecord(customerUser.getPhone());
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CustomerCapitalResult capitalResult = capitalResultMapper.selectOne(new LambdaQueryWrapper<CustomerCapitalResult>()
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.eq(CustomerCapitalResult::getCustomerUserId, customerUser.getId())
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.eq(CustomerCapitalResult::getCustomerRecordId, customer.getId())
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.eq(CustomerCapitalResult::getCapitalInfoCode, CapitalInfoTypeCodeEnum.ZHD.getCode()));
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if (capitalResult == null) {
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log.info("日志编号：" + logNumber + " 手机号：" + customerUser.getPhone() + " 【助贷】数据库结果不存在, customerUser id:" +
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customerUser.getId() + " customer id:" + customer.getId());
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throw new CommonException("资方对接结果不存在");
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}
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JSONObject param = getParam(customer);
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// 开始撞库
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boolean isSucc = push(customer, param, logNumber);
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if (!isSucc) {
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return null;
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}
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// 开始进件操作
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// 转成 LvdiPushResultVo
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LvdiPushResultVo result = new LvdiPushResultVo();
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result.setCheckResult(true);
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result.setUrlType("1");// APP下载链接
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return result;
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}
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/**
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* 撞库
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* @param customer
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* @param body
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* @param logNumber
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* @return
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*/
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private boolean push(Customer customer, JSONObject body, String logNumber) {
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// 撞库签名参数
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String timestamp = String.valueOf(System.currentTimeMillis());
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JSONObject jsonData = new JSONObject();
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jsonData.put("channel", channelKey);
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jsonData.put("timestamp", timestamp);
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String signs = getSignContent(jsonData);
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jsonData.put("sign", DigestUtils.md5DigestAsHex(signs.getBytes()));
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/*申请人姓名的MD5*/
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body.put("realname", DigestUtils.md5DigestAsHex(customer.getName().getBytes()));
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/* 申请人手机号的MD5*/
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body.put("mobile", DigestUtils.md5DigestAsHex(customer.getPhone().getBytes()));
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jsonData.put("bizParam", encrypt(body.toJSONString()));
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String result = null;
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try {
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// 撞库
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result = HttpClientUtil.getInstance().postJsonData(zkUrl, jsonData.toJSONString());
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log.info("日志编号：" + logNumber + " 手机号为：" + customer.getPhone() + ",【助贷】撞库返回参数:{}", result);
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} catch (Exception ex) {
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log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】撞库失败，传参：{} ex：{}", customer.getPhone(), jsonData, ex);
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}
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try {
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ZhdResponse res = JSON.parseObject(result, ZhdResponse.class);
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if (res.getStatus().intValue() == 1) {
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log.info("日志编号：" + logNumber + " 手机号为：" + customer.getPhone() + ",【助贷】推送成功");
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// 解析 返回的signs
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String signsResult = JSON.toJSONString(res.getData());// 返回的结果转成字符串
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PlatformCapital platformCapital = JSON.parseObject(signsResult, PlatformCapital.class);
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// 删除同一资方的同一用户数据
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LambdaQueryWrapper<PlatformCapital> wrapper = new LambdaQueryWrapper<>();
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wrapper.eq(PlatformCapital::getCustomerId, customer.getId());
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wrapper.eq(PlatformCapital::getCapitalId, capitalId);
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platformCapitalService.remove(wrapper);
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// 录入到数据库
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platformCapital.setCustomerId(customer.getId());
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platformCapital.setCapitalId(capitalId);
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platformCapital.setProtocolList(res.getData().getProductinfo().toString());
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platformCapitalService.save(platformCapital);
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return true;
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} else {
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log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】推送失败：{}，jsonData：{}", customer.getPhone(), res.getInfo(),jsonData);
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}
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} catch (Exception ex) {
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log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】推送原始返回参数转换失败，jsonData：{} ex：{}, res: {}", customer.getPhone(), jsonData , ex);
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}
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return false;
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}
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/**
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* 中诚易进件数据给助贷操作
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*/
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public void zcyIncomeToZhd(Customer customer, String logNumber) {
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log.info("日志编号：" + logNumber + "，手机号：{}，中诚易数据进件到助贷流程开始", customer.getPhone());
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try {
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Integer zhd = 3;
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ResultJson<LvdiPushResultVo> rs = getPushResult(logNumber, customer);
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if (rs == null) {
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log.error("日志编号：" + logNumber + "，手机号：{}，中诚易数据进件到助贷失败", customer.getPhone());
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} else {
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zhd = 4;
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log.info("日志编号：" + logNumber + "，手机号：{}，中诚易数据进件到助贷成功", customer.getPhone());
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}
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saveStatus(customer, zhd);
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} catch (Exception ex) {
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log.error("日志编号：" + logNumber + "，手机号：{}，中诚易数据进件到助贷失败", customer.getPhone());
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}
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}
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private void saveStatus(Customer customer, Integer zhd) {
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// 录入或更新到customer_scy_income表
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LambdaQueryWrapper<CustomerScyIncome> wr = new LambdaQueryWrapper<>();
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wr.eq(CustomerScyIncome::getCustomerZcyId, customer.getId());
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wr.last(" limit 1 ");
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CustomerScyIncome csi = customerZcyIncomeService.getOne(wr);
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if (Objects.isNull(csi)) {
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csi = new CustomerScyIncome();
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}
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csi.setCustomerZcyId(customer.getId());
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csi.setZhd(zhd);
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customerZcyIncomeService.saveOrUpdate(csi);
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}
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/**
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* 进件（导单）
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*/
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public ResultJson<?> income(HttpServletRequest request) {
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String logNumber = IdUtil.randomUUID();
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log.info("日志编号：" + logNumber + " 【助贷】进件流程开始");
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String token = request.getHeader("Authorization");
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UserDetail user = UserUtil.getUser(token);
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if (user == null) {
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log.info("日志编号：" + logNumber + " 【助贷】进件失败，原因：用户Token无效");
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throw new CommonException("用户Token无效");
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}
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Customer customer = customerMapper.getLatestCustomerRecord(user.getPhone());
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LambdaQueryWrapper<CustomerUser> wr = new LambdaQueryWrapper<>();
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wr.eq(CustomerUser::getPhone, user.getPhone());
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wr.eq(CustomerUser::getDeleteFlag, 0);
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wr.last(" limit 1 ");
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CustomerUser customerUser = customerUserService.getOne(wr);
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if (customerUser == null) {
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log.info("日志编号：" + logNumber + " 手机号：" + user.getPhone() + " 【助贷】进件失败，原因：用户不存在");
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throw new CommonException("用户不存在");
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}
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CustomerCapitalResult capitalResult = capitalResultMapper.selectOne(new LambdaQueryWrapper<CustomerCapitalResult>()
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.eq(CustomerCapitalResult::getCustomerUserId, customerUser.getId())
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.eq(CustomerCapitalResult::getCustomerRecordId, customer.getId())
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.eq(CustomerCapitalResult::getCapitalInfoCode, CapitalInfoTypeCodeEnum.ZHD.getCode()));
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if (capitalResult == null) {
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log.info("日志编号：" + logNumber + " 手机号：" + customerUser.getPhone() + "进件失败，原因：【【助贷】数据库结果不存在, customerUser id:" +
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customerUser.getId() + " customer id:" + customer.getId());
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throw new CommonException("资方对接结果不存在");
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}
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return getPushResult(logNumber, customer);
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}
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@Nullable
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private ResultJson<LvdiPushResultVo> getPushResult(String logNumber, Customer customer) {
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// 判断是否数据库中是否有数据，有过数据就不推送了
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LambdaQueryWrapper<PlatformCapital> wrapper = new LambdaQueryWrapper<>();
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wrapper.eq(PlatformCapital::getCustomerId, customer.getId());
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wrapper.eq(PlatformCapital::getCapitalId, capitalId);
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wrapper.last(" limit 1 ");
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PlatformCapital platformCapital = platformCapitalService.getOne(wrapper);
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if (Objects.isNull(platformCapital)) {// 若没有数据
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log.info("日志编号：" + logNumber + " 手机号：" + customer.getPhone() + "进件失败，原因：【助贷】推送结果不存在, customer id:" + customer.getId());
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throw new CommonException("资方推送结果不存在");
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}
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if (platformCapital.getIncomeStatus() == 1) {// 已进件成功
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log.info("日志编号：" + logNumber + " 手机号：" + customer.getPhone() + "进件失败，原因：【助贷】已经进件成功过，不再进件, customer id:" + customer.getId());
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return null;
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}
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JSONObject param = getParam(customer);
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/*申请人姓名的MD5*/
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param.put("realname", customer.getName());
|
|
/* 申请人手机号的MD5*/
|
param.put("mobile", customer.getPhone());
|
|
|
// 进件签名
|
String timestamp = String.valueOf(System.currentTimeMillis());
|
JSONObject jsonData = new JSONObject();
|
jsonData.put("channel", channelKey);
|
jsonData.put("timestamp", timestamp);
|
String signs = getSignContent(jsonData);
|
jsonData.put("sign", DigestUtils.md5DigestAsHex(signs.getBytes()));
|
jsonData.put("bizParam", encrypt(param.toJSONString()));
|
log.info("日志编号：" + logNumber + " 手机号：" + customer.getPhone() + "开始进件给资方【助贷】，参数：{}", jsonData);
|
String result = null;
|
try {
|
// 进件
|
result = HttpClientUtil.getInstance().postJsonData(jkUrl, jsonData.toJSONString());
|
log.info("日志编号：" + logNumber + " 手机号为：" + customer.getPhone() + ",【助贷】进件原始返回参数:{}", result);
|
} catch (Exception ex) {
|
log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】进件失败，传参：{} ex：{}", customer.getPhone(), jsonData, ex);
|
}
|
if (StringUtils.isBlank(result)) {
|
log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】进件返回数据为空，传参：{} ", customer.getPhone(), jsonData);
|
}
|
try {
|
ZhdResponse res = JSON.parseObject(result, ZhdResponse.class);
|
if (res.getStatus() == 1) {
|
log.info("日志编号：" + logNumber + " 手机号为：" + customer.getPhone() + ",【助贷】进件成功");
|
// 更新数据库
|
platformCapital.setIncomeStatus(1);
|
platformCapitalService.updateById(platformCapital);
|
LvdiPushResultVo rs = new LvdiPushResultVo();
|
rs.setCheckResult(true);
|
rs.setUrlType("1");// APP下载链接
|
return ResultJson.ok(rs);
|
} else {
|
log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】进件失败：{}，jsonData：{}", customer.getPhone(), res.getInfo(),jsonData);
|
}
|
} catch (Exception ex) {
|
log.error("日志编号：" + logNumber + " 手机号为：{},【助贷】进件原始返回参数转换失败，jsonData：{} ex：{}", customer.getPhone(), jsonData , ex);
|
}
|
return null;
|
}
|
|
/**
|
* 加密
|
* @param content 输入
|
* @return {@code String}
|
*/
|
private String encrypt(String content) {
|
byte[] originalContent = content.getBytes(StandardCharsets.UTF_8);
|
byte[] encryptKey = secretKey.getBytes();
|
try {
|
Cipher cipher = Cipher.getInstance("AES/ECB/PKCS5Padding");;
|
SecretKeySpec skeySpec = new SecretKeySpec(encryptKey, "AES");
|
cipher.init(Cipher.ENCRYPT_MODE, skeySpec);
|
byte[] encrypted = cipher.doFinal(originalContent);
|
return Base64.getEncoder().encodeToString(encrypted);
|
} catch (Exception e) {
|
e.printStackTrace();
|
}
|
return null;
|
}
|
|
/**
|
* 要加密的对象拼接成字符串
|
* 如：channel=xyzxyzxyz，timestamp=1555378976238，secretKey=307C6ED8946DE351;
|
* 拼接后的字符串：str = xyzxyzxyz&1555378976238&307C6ED8946DE351;
|
* @param json
|
* @return
|
*/
|
private String getSignContent(JSONObject json) {
|
Map<String, Object> map = new HashMap<>(json.size());
|
json.forEach((s, v) -> {
|
if (!"sign".equals(s)) {
|
map.put(s, v);
|
}
|
});
|
// 按值排序 升序
|
Map<String, Object> sortMap = map
|
.entrySet()
|
.stream()
|
.sorted(comparingByKey())
|
.collect(
|
toMap(Map.Entry::getKey, Map.Entry::getValue, (e1, e2) -> e2,
|
LinkedHashMap::new));
|
sortMap.put("secretKey", secretKey);
|
|
StringBuilder sb = new StringBuilder();
|
sortMap.forEach((key, value) -> {
|
sb.append(value).append("&");
|
});
|
String result = sb.toString();
|
if (result.length() > 2) {
|
result = result.substring(0, result.length() - 1);
|
}
|
return result;
|
}
|
}
|
