package cn.newgxu.bbs.service.impl;
import java.util.Calendar;
import java.util.Date;
import java.util.LinkedList;
import java.util.List;
import cn.newgxu.bbs.common.Constants;
import cn.newgxu.bbs.common.exception.BBSException;
import cn.newgxu.bbs.common.exception.BBSExceptionMessage;
import cn.newgxu.bbs.common.exception.ValidationException;
import cn.newgxu.bbs.common.util.Util;
import cn.newgxu.bbs.domain.bank.Accounts;
import cn.newgxu.bbs.domain.bank.Bank;
import cn.newgxu.bbs.domain.bank.Fixed;
import cn.newgxu.bbs.domain.bank.Loan;
import cn.newgxu.bbs.domain.bank.OperateLog;
import cn.newgxu.bbs.domain.group.GroupManager;
import cn.newgxu.bbs.domain.message.Message;
import cn.newgxu.bbs.domain.user.User;
import cn.newgxu.bbs.service.BankService;
import cn.newgxu.bbs.web.model.admin.BankManageModel;
import cn.newgxu.bbs.web.model.bank.BankModel;
import cn.newgxu.bbs.web.model.bank.CurrentModel;
import cn.newgxu.bbs.web.model.bank.EditPasswordModel;
import cn.newgxu.bbs.web.model.bank.FixedModel;
import cn.newgxu.bbs.web.model.bank.LoanModel;
import cn.newgxu.bbs.web.model.bank.OpenAccountsModel;
import cn.newgxu.bbs.web.model.bank.OperateLogModel;
import cn.newgxu.bbs.web.model.bank.VirementModel;
import cn.newgxu.jpamodel.ObjectNotFoundException;
/**
*
* @author xin
* @since 4.0.0
* @version $Revision 1.1$
*/
public class BankServiceImpl implements BankService {
public void bank(BankModel model) throws BBSException {
try {
getAccounts(model.getUser());
model.setHasAccounts(true);
} catch (BBSException e1) {
model.setHasAccounts(false);
}
model.setBank(getBank());
model.setBankAdmins(User.getUsers(model.getBank().getBankAdmins()));
}
/**
* 用户开户。
*/
public void openAccounts(OpenAccountsModel model) throws BBSException {
Bank bank = getBank();
User user = model.getUser();
int cost = model.getMoney() + bank.getOpenCost();
if (!user.canPayFor(cost)) {
throw new BBSException(BBSExceptionMessage.OUT_OF_MONEY);
}
Accounts acc = new Accounts();
acc.setUser(user);
acc.setOpenTime(new Date());
acc.setBeginTime(new Date());
// acc.setPassword(Util.hash(model.getPassword()));
acc.setBalance(model.getMoney());
acc.save();
bank.addDeposit(cost);
bank.addUserNumber(1);
bank.save();
user.payFor(cost);
user.save();
OperateLog.saveOperateLog(acc.getUser(), 0, 0, 0, "用户开户(id:"
+ acc.getId() + ")，开户金额：" + model.getMoney(),
acc.getOpenTime(), Constants.BANK_OP_TYPE_OTHER, null);
}
/**
* 查看活期存款。
*/
public void current(CurrentModel model) throws BBSException {
model.setBank(getBank());
model.setCurrent(getAccounts(model.getUser()));
model.setAccrual(accountAccrual(model.getCurrent().getBeginTime(),
model.getCurrent().getBalance()));
}
/**
* 活期存取。
*/
public void access(CurrentModel model) throws BBSException {
// if (!bankPassword(getAccounts(model.getUser()), model.getBankpwd()))
// {
// throw new BBSException(BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
User user = model.getUser();
Accounts acc = getAccounts(user);
switch (model.getAction()) {
case 1: // 存款
if (!user.canPayFor(model.getMoney())) {
throw new BBSException(BBSExceptionMessage.OUT_OF_MONEY);
}
squareAccrual(acc);// 结算利息
access(user, acc, model.getMoney());
OperateLog.saveOperateLog(user, model.getMoney(), 0, 0, "存款",
new Date(), Constants.BANK_OP_TYPE_CURR, null);
break;
case 2: // 取款
if (!acc.canPayout(model.getMoney())) {
throw new BBSException(BBSExceptionMessage.OUT_OF_BALANCE);
}
squareAccrual(acc);// 结算利息
access(user, acc, 0 - model.getMoney());
OperateLog.saveOperateLog(user, model.getMoney(), 0, 0, "取款",
new Date(), Constants.BANK_OP_TYPE_CURR, null);
break;
default:
throw new BBSException("操作类型错误！");
}
}
/**
* 手动结息。
*
* @throws BBSException
*/
public void manual(CurrentModel model) throws BBSException {
// if (!bankPassword(getAccounts(model.getUser()), model.getBankpwd()))
// {
// throw new BBSException(BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
squareAccrual(getAccounts(model.getUser()));// 结算利息
}
private Bank getBank() throws BBSException {
try {
return Bank.get();
} catch (ObjectNotFoundException e) {
throw new BBSException(BBSExceptionMessage.BANK_NOT_FOUND);
}
}
/**
* 获取用户帐户。
*
* @param user
* 用户。
*/
private Accounts getAccounts(User user) throws BBSException {
try {
return Accounts.getByUser(user);
} catch (ObjectNotFoundException e) {
throw new BBSException(BBSExceptionMessage.BANK_ACCOUNTS_NOT_FOUND);
}
}
/**
* 检查用户输入的银行密码是否有效。
*
* @param accounts
* 帐户
* @param pwd
* 密码
* @return true 如果有效；false 如果无效。
*/
// private boolean bankPassword(Accounts acc, String pwd) {
// return acc.getPassword().equals(Util.hash(pwd));
// }
/**
* 计算活期利息。
*
*/
private int accountAccrual(Date beginTime, int price) throws BBSException {
int total = (int) (price * getBank().getCurrentRate());
int accrual = (int) (Util.days(beginTime, new Date()) * payTaxes(total));
// 更新开始计算时间
return (accrual < 0) ? 0 : accrual;
}
/**
* 计算定期利息。
*
*/
public int fixedAccrual(Date beginTime, int price) throws BBSException {
int total = (int) (price * getBank().getFixedRate());
int accrual = (int) (Util.days(beginTime, new Date()) * payTaxes(total));
return (accrual < 0) ? 0 : accrual;
}
/***
* 扣除利息税后的利息 级数 日原本所得利息 税率% 速算扣除数 1 0-10 5 0 2 10-40 10 0. 5 3 40-100 15 2.5
* 4 100-400 20 7.5 5 400-800 30 27.5 6 800-1200 50 107.5 7 1200-1600 60
* 227.5 8 1600-2000 70 387.5 9 2000以上 80 587.5
*/
private float payTaxes(int total) {
float accrual = 0;
if (total > 2000) {
accrual += (total - 2000) * 0.2;
total = 2000;
}
if (total > 1600) {
accrual += (total - 1600) * 0.3;
total = 1600;
}
if (total > 1200) {
accrual += (total - 1200) * 0.4;
total = 1200;
}
if (total > 800) {
accrual += (total - 800) * 0.5;
total = 800;
}
if (total > 400) {
accrual += (total - 400) * 0.7;
total = 400;
}
if (total > 100) {
accrual += (total - 100) * 0.8;
total = 100;
}
if (total > 40) {
accrual += (total - 40) * 0.85;
total = 40;
}
if (total > 10) {
accrual += (total - 10) * 0.9;
total = 10;
}
accrual += total * 0.95;
return accrual;
}
/**
* 结算活期利息。
*
* @param acc
* 操作帐户
*/
private void squareAccrual(Accounts acc) throws BBSException {
Bank bank = getBank();
int accrual = accountAccrual(acc.getBeginTime(), acc.getBalance());
// 更新开始计算时间
acc.setBeginTime(new Date());
// 利息为0就停止业务
if (accrual == 0)
return;
bank.addBankroll(0 - accrual);
acc.addBalance(accrual);
bank.save();
acc.save();
OperateLog.saveOperateLog(acc.getUser(), 0, 0, 0, "结算活期利息,取得利息："
+ accrual, new Date(), Constants.BANK_OP_TYPE_OTHER, null);
}
/**
* 帐户存取款。
*
* @param user
* 用户。
* @param acc
* 操作帐户。
* @param money
* 操作金额 +存款 -取款。
*/
private void access(User user, Accounts acc, int money) throws BBSException {
Bank bank = getBank();
bank.addDeposit(money);
user.addMoney(0 - money);
acc.addBalance(money);
bank.save();
user.save();
acc.save();
}
/**
* 计算转帐费用。
*
* @param user
* 用户。 管理员、版主免转帐费用
*/
private int accountVirementCost(User user, int money) throws BBSException {
if (user.getGroupTypeId() != GroupManager.BASIC_GROUP) {
return 0;
}
int cost = (int) (money * getBank().getVirementRate());
return (cost < 0) ? 0 : cost;
}
public void fixed(FixedModel model) throws BBSException {
model.setBank(getBank());
model.setMyFixeds(Fixed.getByUser(model.getUser()));
}
/**
* 新定期存款。
*/
public void newFixed(FixedModel model) throws BBSException {
// if (!bankPassword(getAccounts(model.getUser()), model.getBankpwd()))
// {
// throw new BBSException(BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
if (model.getDays() < getBank().getFixMinDays()) {
throw new BBSException("定期存款的天数不得小于 " + getBank().getFixMinDays()
+ " 天！");
}
if (!model.getUser().canPayFor(model.getMoney())) {
throw new BBSException(BBSExceptionMessage.OUT_OF_MONEY);
}
Bank bank = getBank();
Fixed fixed = new Fixed();
User user = model.getUser();
int money = model.getMoney();
fixed.setBeginTime(new Date());
fixed.setDays(model.getDays());
fixed.setUser(user);
fixed.setMoney(money);
fixed.setFixedRate(bank.getFixedRate());
fixed.setDrawing(false);
bank.addDeposit(money);
bank.addFixed(money);
user.addMoney(0 - money);
fixed.save();
bank.save();
user.save();
OperateLog.saveOperateLog(user, money, fixed.getFixedRate(), fixed
.getDays(), "存入定期(id:" + fixed.getId() + ")", fixed
.getBeginTime(), Constants.BANK_OP_TYPE_FIXED, null);
}
/**
* 支取定期存款。
*/
public void drawFixed(FixedModel model) throws BBSException {
Fixed fixed;
try {
fixed = Fixed.get(model.getId());
} catch (ObjectNotFoundException e) {
throw new BBSException(BBSExceptionMessage.PARAMETER_ERROR);
}
if (!fixed.getUser().equals(model.getUser())) {
throw new BBSException(BBSExceptionMessage.CANNOT_DRAW_FIXED);
}
if (fixed.getDrawing() == true) {
throw new BBSException(BBSExceptionMessage.FIXED_HAS_DRAW);
}
Bank bank = getBank();
User user = fixed.getUser();
int money = fixed.getMoney();
int accrual = 0;
// 如果提前取就按活期算
if (Util.days(fixed.getBeginTime(), new Date()) < fixed.getDays()) {
accrual = accountAccrual(fixed.getBeginTime(), fixed.getMoney());
}
// 否则按定期算
else {
accrual = fixedAccrual(fixed.getBeginTime(), fixed.getMoney());
}
bank.addDeposit(0 - money);
bank.addBankroll(0 - accrual); // 支付利息
bank.addFixed(0 - money);
user.addMoney(money + accrual);
fixed.setDrawing(true);
fixed.setDrawTime(new Date());
user.save();
fixed.save();
bank.save();
OperateLog.saveOperateLog(user, money, fixed.getFixedRate(), fixed
.getDays(), "支取定期(id:" + fixed.getId() + "),取得本金和利息：" + money
+ accrual, new Date(), Constants.BANK_OP_TYPE_FIXED, null);
}
public void loan(LoanModel model) throws BBSException {
model.setBank(getBank());
model.setMyLoans(Loan.getByUser(model.getUser(),
Constants.LOAN_STATUS_PAST));
model.setMyApplyLoans(Loan.getByUser(model.getUser(),
Constants.LOAN_STATUS_WAIT));
}
/**
* 贷款申请。
*/
public void newLoan(LoanModel model) throws BBSException {
// if (!bankPassword(getAccounts(model.getUser()), model.getBankpwd()))
// {
// throw new BBSException(BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
Loan loan = new Loan();
loan.setUser(model.getUser());
loan.setMoney(model.getMoney());
loan.setDays(model.getDays());
loan.setApplyTime(new Date());
loan.setLoanRate(getBank().getLoanRate());
loan.setStatus(Constants.LOAN_STATUS_WAIT);
loan.setBeginTime(new Date());
loan.save();
}
public void dealLoan(LoanModel model) throws BBSException {
User user = model.getUser();
Loan loan;
try {
loan = Loan.get(model.getId());
} catch (ObjectNotFoundException e) {
throw new BBSException(BBSExceptionMessage.PARAMETER_ERROR);
}
if (!loan.getUser().equals(user)) {
throw new BBSException(BBSExceptionMessage.CANNOT_DEAL_LOAN);
}
switch (model.getAction()) {
case 1: // 取消贷款申请
loan.setStatus(Constants.LOAN_STATUS_CANCEL);
loan.save();
break;
case 2: // 偿还贷款
int money = loan.getMoney();
int accrual = loan.getAccrual();
if (!user.canPayFor(money + accrual)) {
throw new BBSException(BBSExceptionMessage.OUT_OF_MONEY);
}
Bank bank = getBank();
bank.addDeposit(money);
bank.addLoan(0 - money);
bank.addBankroll(accrual);
loan.setApplyTime(new Date());
loan.setStatus(Constants.LOAN_STATUS_REPAY);
user.payFor(money + accrual);
user.save();
loan.save();
bank.save();
OperateLog.saveOperateLog(user, loan.getMoney(),
loan.getLoanRate(), loan.getDays(), "偿还贷款(id:"
+ loan.getId() + "),支付利息：" + accrual, new Date(),
Constants.BANK_OP_TYPE_LOAN, null);
break;
default:
throw new BBSException("操作类型错误！");
}
}
public void virement(VirementModel model) throws BBSException {
model.setBank(getBank());
model.setCurrent(getAccounts(model.getUser()));
}
public void virementDo(VirementModel model) throws BBSException,
ValidationException {
// if (!bankPassword(getAccounts(model.getUser()), model.getBankpwd()))
// {
// throw new ValidationException(
// BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
if (model.getMoney() < getBank().getVirementMin()) {
throw new ValidationException("转帐金额最少不得小于："
+ getBank().getVirementMin());
}
if (model.getMoney() > getBank().getVirementMax()) {
throw new ValidationException("转帐金额最多不得大于："
+ getBank().getVirementMax());
}
Accounts acc = getAccounts(model.getUser());
List<String> nicks = Util.splitNicks(model.getUserNicks());
// 转帐成功用户
List<String> doneUsers = new LinkedList<String>();
// 帐户余额不足，转帐失败用户
List<String> unPayUsers = new LinkedList<String>();
// 错误昵称，用户不存在
List<String> notExistUsers = new LinkedList<String>();
int money = model.getMoney();
int virementCost = accountVirementCost(model.getUser(), money);
squareAccrual(acc);// 结算利息
for (int i = 0; i < nicks.size(); i++) {
String nick = (String) nicks.get(i);
try {
User user = User.getByNick(nick);
if (acc.canPayout(money + virementCost)) {
Bank bank = getBank();
acc.payout(money + virementCost);
bank.addDeposit(0 - money - virementCost);
bank.addBankroll(virementCost);
user.addMoney(money);
user.save();
bank.save();
acc.save();
doneUsers.add(nick);
OperateLog.saveOperateLog(model.getUser(), money, bank
.getVirementRate(), 0, "转出(手续费:" + virementCost
+ ")", new Date(), Constants.BANK_OP_TYPE_VIRE_OUT,
user);
OperateLog.saveOperateLog(user, money, bank
.getVirementRate(), 0, "转入", new Date(),
Constants.BANK_OP_TYPE_VIRE_IN, model.getUser());
String str = model.getUser().getNick() + "成功转入给你" + money
+ "西大币，详情请查看理财日志。";
// 转账成功发送消息
Message.sendMessage("转账信息", str, 1, user, model.getUser(),
nick);
} else {
unPayUsers.add(nick);
}
} catch (ObjectNotFoundException e) {
notExistUsers.add(nick);
}
}
model.setDoneUsers(doneUsers);
model.setUnPayUsers(unPayUsers);
model.setNotExistUsers(notExistUsers);
}
public void editBankPasswordDo(EditPasswordModel model) throws BBSException {
// Accounts acc = getAccounts(model.getUser());
// if (!bankPassword(acc, model.getOldPassword())) {
// throw new BBSException(BBSExceptionMessage.BANK_PASSWORD_INVALID);
// }
// acc.setPassword(Util.hash(model.getPassword()));
// acc.save();
}
public void operateLog(OperateLogModel model) throws BBSException {
User user = model.getUser();
model.getPagination().setPageSize(15);
switch (model.getType()) {
case 0: // 其他记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_OTHER, model.getPagination()));
break;
case 1: // 活期记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_CURR, model.getPagination()));
break;
case 2: // 定期记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_FIXED, model.getPagination()));
break;
case 3: // 贷款记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_LOAN, model.getPagination()));
break;
case 4: // 转出记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_VIRE_OUT, model.getPagination()));
break;
case 5: // 转入记录
model.setLogs(OperateLog.getByUser(user,
Constants.BANK_OP_TYPE_VIRE_IN, model.getPagination()));
break;
default:
throw new BBSException("操作类型错误！");
}
}
public void bankManage(BankManageModel model) throws BBSException {
model.setBank(getBank());
model.setBankAdmins(User.getUsers(model.getBank().getBankAdmins()));
model
.setApplyLoans(Loan
.getApplyLoans(model.getType() == 0 ? Constants.LOAN_STATUS_WAIT
: model.getType()));
}
public void bankModify(BankManageModel model) throws BBSException {
Bank bank = getBank();
bank.setOpenCost(model.getOpenCost());
bank.setCurrentRate(model.getCurrentRate() / 1000);
bank.setLoanRate(model.getLoanRate() / 1000);
bank.setFixedRate(model.getFixedRate() / 1000);
bank.setVirementRate(model.getVirementRate() / 1000);
bank.save();
}
public void approachLoan(LoanModel model) throws ObjectNotFoundException {
Loan loan = Loan.get(model.getId());
loan.setStatus(Constants.LOAN_STATUS_PAST);
User user = loan.getUser();
user.addMoney(loan.getMoney());
loan.save();
user.save();
}
public void denyLoan(LoanModel model) throws ObjectNotFoundException {
Loan loan = Loan.get(model.getId());
loan.setStatus(Constants.LOAN_STATUS_UNPAST);
loan.save();
}
public static void main(String[] args) throws BBSException{
Calendar c=Calendar.getInstance();
c.set(2011, 5, 12, 13, 21, 43);
int price=1951;
int total = (int) (price * 0.001);
System.out.println("total:"+total);
int days=Util.days(c.getTime(), new Date());
int accrual = (int) (days * new BankServiceImpl().payTaxes(total));
System.out.println(days+"天"+accrual);
//System.out.println(new BankServiceImpl().accountAccrual(c.getTime(),1951));
}
}