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280
backend/internal/service/payment_match.go
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280
backend/internal/service/payment_match.go
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package service
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import (
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"context"
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"log/slog"
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"regexp"
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"strings"
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"time"
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"pay-bridge/internal/model"
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"pay-bridge/internal/repository"
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)
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// orderNoPatterns 从备注中提取订单号的正则列表（优先级从高到低）
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var orderNoPatterns = []*regexp.Regexp{
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regexp.MustCompile(`PAY\d{14}`), // pay-bridge 交易号格式 PAYyyMMddNNNNNNNN
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regexp.MustCompile(`REF\d{14}`), // 退款单号
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regexp.MustCompile(`[A-Z0-9]{16,32}`), // 通用订单号格式
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}
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// IncomingPayment 入账通知数据
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type IncomingPayment struct {
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AccountNo string // 收款账号
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Amount int64 // 入账金额（分）
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Remark string // 转账备注
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PayerName string // 付款方名称
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ChannelBillNo string // 渠道流水号
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}
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// matchWindow 匹配时间窗口（7天内的待支付订单）
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const matchWindow = 7 * 24 * time.Hour
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// PaymentMatchService 收款匹配服务
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type PaymentMatchService struct {
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matchRepo *repository.PaymentMatchRepository
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tradeRepo *repository.TradeOrderRepository
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notifySvc *NotifyService
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tradeSvc *TradeService
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}
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func NewPaymentMatchService(
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matchRepo *repository.PaymentMatchRepository,
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tradeRepo *repository.TradeOrderRepository,
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notifySvc *NotifyService,
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tradeSvc *TradeService,
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) *PaymentMatchService {
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return &PaymentMatchService{
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matchRepo: matchRepo,
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tradeRepo: tradeRepo,
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notifySvc: notifySvc,
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tradeSvc: tradeSvc,
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}
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}
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// HandleIncomingPayment 处理入账通知（核心匹配流程）
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func (s *PaymentMatchService) HandleIncomingPayment(ctx context.Context, incoming *IncomingPayment) error {
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// 幂等检查
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if existing, _ := s.matchRepo.GetMatchLogByBillNo(ctx, incoming.ChannelBillNo); existing != nil {
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return nil
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}
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// 查询收款账户
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account, err := s.matchRepo.GetAccountByNo(ctx, incoming.AccountNo)
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if err != nil {
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return err
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}
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if account == nil {
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slog.WarnContext(ctx, "incoming payment: account not found", "account_no", incoming.AccountNo)
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return nil
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}
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// 执行匹配
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result := s.match(ctx, incoming, account)
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// 记录匹配结果
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now := time.Now()
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log := &model.PaymentMatchLog{
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AccountID: account.ID,
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IncomingAmount: incoming.Amount,
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IncomingRemark: incoming.Remark,
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PayerName: incoming.PayerName,
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ChannelBillNo: incoming.ChannelBillNo,
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MatchStatus: result.status,
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NameDiff: result.nameDiff,
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}
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if result.tradeNo != "" {
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log.TradeNo = result.tradeNo
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log.MatchTime = &now
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}
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if err := s.matchRepo.CreateMatchLog(ctx, log); err != nil {
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return err
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}
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// 匹配成功：更新订单状态并通知下游
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if result.tradeNo != "" {
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updates := map[string]any{
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"status": model.TradeStatusPaid,
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"pay_time": now,
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}
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ok, err := s.tradeRepo.UpdateStatus(ctx, result.tradeNo, model.TradeStatusPaying, model.TradeStatusPaid, updates)
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if err != nil {
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return err
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}
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if ok {
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order, _ := s.tradeRepo.GetByTradeNo(ctx, result.tradeNo)
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if order != nil && s.notifySvc != nil {
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go func() {
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bgCtx := context.Background()
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s.notifySvc.SendNotify(bgCtx, result.tradeNo, model.NotifyTypePayment, order.NotifyURL)
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}()
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}
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}
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slog.InfoContext(ctx, "payment matched",
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"trade_no", result.tradeNo,
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"amount", incoming.Amount,
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"status", result.status,
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"name_diff", result.nameDiff,
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)
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} else {
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slog.InfoContext(ctx, "payment pending manual",
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"channel_bill_no", incoming.ChannelBillNo,
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"amount", incoming.Amount,
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)
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}
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return nil
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}
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// ManualBindOrder 人工关联入账与订单
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func (s *PaymentMatchService) ManualBindOrder(ctx context.Context, matchID uint64, tradeNo, operator string) error {
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order, err := s.tradeRepo.GetByTradeNo(ctx, tradeNo)
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if err != nil || order == nil {
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return err
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}
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now := time.Now()
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updates := map[string]any{
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"trade_no": tradeNo,
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"match_status": model.MatchStatusMatched,
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"match_time": now,
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"operator": operator,
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}
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if err := s.matchRepo.UpdateMatchLog(ctx, matchID, updates); err != nil {
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return err
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}
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// 更新订单状态
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s.tradeRepo.UpdateStatus(ctx, tradeNo, model.TradeStatusPaying, model.TradeStatusPaid,
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map[string]any{"pay_time": now})
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if s.notifySvc != nil {
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go func() {
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bgCtx := context.Background()
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s.notifySvc.SendNotify(bgCtx, tradeNo, model.NotifyTypePayment, order.NotifyURL)
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}()
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}
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return nil
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}
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// ListPendingManual 查询待人工确认的收款记录
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func (s *PaymentMatchService) ListPendingManual(ctx context.Context, appID string, limit, offset int) ([]*model.PaymentMatchLog, error) {
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return s.matchRepo.ListPendingManual(ctx, appID, limit, offset)
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}
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// --- 内部匹配逻辑 ---
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type matchResult struct {
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tradeNo string
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status model.MatchStatus
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nameDiff int8
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}
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func (s *PaymentMatchService) match(ctx context.Context, incoming *IncomingPayment, account *model.SubMerchantAccount) matchResult {
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// Step 1: 从备注中提取订单号
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candidates := extractOrderNos(incoming.Remark)
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var matched *model.TradeOrder
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for _, orderNo := range candidates {
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// 先按 trade_no 查，再按 merchant_order_no 查
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order, _ := s.tradeRepo.GetByTradeNo(ctx, orderNo)
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if order == nil {
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order, _ = s.tradeRepo.GetByMerchantOrderNo(ctx, account.AppID, orderNo)
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}
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if order == nil || order.AppID != account.AppID {
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continue
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}
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if order.Status != model.TradeStatusPaying {
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continue
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}
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// Step 2: 金额精确匹配
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if order.Amount != incoming.Amount {
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continue
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}
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matched = order
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break
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}
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// 备注匹配失败，降级为金额匹配
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if matched == nil {
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orders, _ := s.matchRepo.ListPayingByAmount(ctx, account.AppID, incoming.Amount, matchWindow)
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if len(orders) == 1 {
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matched = orders[0]
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} else if len(orders) > 1 {
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// Step 3: 用付款方名称缩小范围
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matched = filterByPayerName(orders, incoming.PayerName)
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if matched == nil {
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return matchResult{status: model.MatchStatusPendingManual}
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}
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} else {
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return matchResult{status: model.MatchStatusPendingManual}
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}
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}
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// Step 3: 付款方名称一致性检查
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var nameDiff int8 = 0
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invoiceName := getInvoiceName(matched)
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if invoiceName != "" && incoming.PayerName != "" {
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if !strings.EqualFold(strings.TrimSpace(invoiceName), strings.TrimSpace(incoming.PayerName)) {
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nameDiff = 1
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}
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}
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status := model.MatchStatusMatched
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if nameDiff == 1 {
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status = model.MatchStatusNameDiff
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}
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return matchResult{
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tradeNo: matched.TradeNo,
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status: status,
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nameDiff: nameDiff,
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}
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}
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// extractOrderNos 从备注字符串中提取可能的订单号
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func extractOrderNos(remark string) []string {
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if remark == "" {
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return nil
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}
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var results []string
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seen := map[string]bool{}
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for _, re := range orderNoPatterns {
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matches := re.FindAllString(remark, -1)
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for _, m := range matches {
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if !seen[m] {
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seen[m] = true
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results = append(results, m)
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}
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}
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}
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return results
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}
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// filterByPayerName 从多个候选订单中，选择 invoice_name 与付款方名称匹配的订单
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// invoice_name 暂存在 extra 字段中
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func filterByPayerName(orders []*model.TradeOrder, payerName string) *model.TradeOrder {
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if payerName == "" {
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return nil
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}
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for _, o := range orders {
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name := getInvoiceName(o)
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if name != "" && strings.EqualFold(strings.TrimSpace(name), strings.TrimSpace(payerName)) {
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return o
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}
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}
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return nil
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}
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// getInvoiceName 从 extra 字段获取开票名称
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func getInvoiceName(order *model.TradeOrder) string {
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if order.Extra == nil {
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return ""
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}
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if v, ok := order.Extra["invoice_name"]; ok {
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if s, ok := v.(string); ok {
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return s
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}
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}
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return ""
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}
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