gateway/gateway/BMDLoanService.java

package com.jbkd.loan.payday.trdorder.shkj;

import com.alibaba.fastjson.JSON;
import com.alibaba.fastjson.JSONObject;
import com.jbkd.loan.payday.collection.constants.BaseConstants;
import com.jbkd.loan.payday.common.service.FileService;
import com.jbkd.loan.payday.common.util.Digest;
import com.jbkd.loan.payday.common.util.HttpClientUtils;
import com.jbkd.loan.payday.core.constant.BeanNameConstant;
import com.jbkd.loan.payday.core.dto.SignatureProtocolRequestDTO;
import com.jbkd.loan.payday.core.entity.CoreDictionaryItem;
import com.jbkd.loan.payday.core.entity.CoreLoan;
import com.jbkd.loan.payday.core.entity.CoreLoanWithdrawFlow;
import com.jbkd.loan.payday.core.entity.Customer;
import com.jbkd.loan.payday.core.entity.CustomerAccount;
import com.jbkd.loan.payday.core.entity.CustomerFiles;
import com.jbkd.loan.payday.core.enums.DealTypeEnum;
import com.jbkd.loan.payday.core.enums.ProtocolTypeEnum;
import com.jbkd.loan.payday.core.enums.UseageTypeEnum;
import com.jbkd.loan.payday.core.service.CoreDictionaryItemService;
import com.jbkd.loan.payday.core.service.CustomerAccountService;
import com.jbkd.loan.payday.core.service.CustomerFilesService;
import com.jbkd.loan.payday.core.service.CustomerService;
import com.jbkd.loan.payday.core.service.CustomerTrdVerifyInfoService;
import com.jbkd.loan.payday.core.entity.SyncShenhaiFlow;
import com.jbkd.loan.payday.core.enums.SyncSHTypeEnum;
import com.jbkd.loan.payday.repayment.info.dto.RepaymentInfoInDTO;
import com.jbkd.loan.payday.repayment.info.dto.RepaymentInfoOutDTO;
import com.jbkd.loan.payday.repayment.info.template.IRepaymentInfoTemplate;
import com.jbkd.loan.payday.trdorder.common.util.RSAEncrypt;
import java.io.ByteArrayOutputStream;
import com.jbkd.loan.payday.trdorder.shkj.sync.SyncSHObserver;
import com.jbkd.loan.payday.trdorder.shkj.sync.SyncSHSubject;
import java.io.IOException;
import java.io.InputStream;

import java.math.BigDecimal;
import java.text.SimpleDateFormat;
import java.time.*;
import java.time.format.DateTimeFormatter;
import java.util.*;

import java.net.URLEncoder;
import java.time.LocalDateTime;
import java.time.ZoneOffset;
import java.util.Comparator;
import java.util.HashMap;
import java.util.Map;
import java.util.Objects;
import java.util.TreeMap;
import java.util.UUID;
import lombok.extern.slf4j.Slf4j;
import org.apache.commons.lang3.EnumUtils;
import org.apache.commons.lang3.StringUtils;
import org.apache.commons.lang3.tuple.ImmutablePair;
import org.apache.commons.lang3.tuple.Pair;
import org.apache.http.NameValuePair;
import org.apache.pdfbox.io.IOUtils;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.beans.factory.annotation.Value;
import org.springframework.context.annotation.Configuration;
import org.springframework.stereotype.Service;

import javax.annotation.Resource;

/**
 * Created by yangyafei on 19/7/1.
 * 白猫贷接口对接类
 */
@Slf4j
@Configuration
public class BMDLoanService implements SyncSHSubject {

    //白猫贷版本号，配置文件配置注入
    @Value("${bmd.version}")
    private String version;
    //白猫贷产品key，配置文件注入
    @Value("${bmd.product.key}")
    private String productKey;
    //白猫贷appkey，配置文件注入
    @Value("${bmd.app.key}")
    private String appKey;
    @Value("${bmd.private.key}")
    private String privateKey;
    //白猫贷url，配置文件注入
    @Value("${bmd.base.uri}")
    private String bmdBaseUri;
    @Value("${bmd.public.key}")
    private String publicKey;
    @Value("${bmd.loanConfigNo}")
    private String loanConfigNo;
    @Value("${bmd.merchant.no}")
    private String merchantNo;

    @Value("${bmd.merchant.callBack.url}")
    private String callBackUrl;

    @Autowired
    private SyncSHObserver observer;

    @Override
    public void notifyObservers(SyncShenhaiFlow syncShenhaiFlow) {
        this.observer.saveSHFlow(syncShenhaiFlow);
    }



    @Autowired
    private CustomerService customerService;

    @Autowired
    private CustomerTrdVerifyInfoService customerTrdVerifyInfoService;

    @Autowired
    private CustomerFilesService customerFilesService;

    @Autowired
    private FileService fileService;

    @Autowired
    private CustomerAccountService customerAccountService;

    @Resource(name = BeanNameConstant.REPAYMENT_INFO_V0_TEMPLATE)
    private IRepaymentInfoTemplate repaymentInfoTemplate;

    @Autowired
    private CoreDictionaryItemService coreDictionaryItemService;





    public String generateSignature(Map<String,String> params,Long mills,String nonce) throws Exception {
        TreeMap<String,String> treeParams = new TreeMap<>(new Comparator<String>() {
            @Override
            public int compare(String o1, String o2) {
                return o1.compareTo(o2);
            }
        });
        treeParams.putAll(params);
        StringBuilder temp = new StringBuilder();
        temp.append("product_key=").append(productKey).append("&").append("app_key=").append(appKey).append("&").append("nonce=")
        .append(nonce).append("&").append("timestamp=").append(mills);
        treeParams.forEach((key,value) ->temp.append("&").append(key).append("=").append(value));
        String data = temp.toString();
        String signature = RSAEncrypt.rsaSign(data,privateKey,"SHA256withRSA");
        return signature;
    }


    public Map<String,String> generateBaseHeader(Map<String,String> params){

        try {
            String nonce = UUID.randomUUID().toString().replaceAll("-","").substring(0,16);
            Long mills = LocalDateTime.now().toInstant(ZoneOffset.of("+8")).toEpochMilli();
            String signature = generateSignature(params,mills,nonce);
            HashMap<String,String> headers = new HashMap<>();
            headers.put("BMD-COP-SIGNVERSION","1");
            headers.put("BMD-COP-TIMESTAMP",String.valueOf(mills));
            headers.put("BMD-COP-NONCE",nonce);
            headers.put("BMD-COP-PRODUCTKEY",productKey);
            headers.put("BMD-COP-APPKEY",appKey);
            headers.put("BMD-COP-SIGNATURE",signature);
            return headers;
        } catch (Exception e) {
            e.printStackTrace();
        }
        return null;
    }


    /**
     * 请求白猫贷方法
     * @param params 白猫贷要求的字符串类参数
     * @param fileMap  白猫贷要求的图片文件类参数
     * @param syncSHTypeEnum
     * @return
     */
    @Override
    public BMDResponse requestBmd(String bmdUri, Map<String, String> params, Map<String,Pair<byte[],String>> fileMap, SyncSHTypeEnum syncSHTypeEnum){
        Map<String,String> headers = generateBaseHeader(params);
        String responseStr = HttpClientUtils.doHttpPost(bmdUri,headers,params,fileMap,"UTF-8");

        BMDResponse bmdResponse = transResponse(responseStr);
        // 更新流水记录
        SyncShenhaiFlow syncShenhaiFlow =new SyncShenhaiFlow();
		syncShenhaiFlow.setCopUserId(params.get("copUserId"))
		  .setReqId(bmdResponse.getReqId());
		if(Objects.nonNull(params)){
			String request = JSON.toJSONString(params);
			syncShenhaiFlow.setResult(request);
			syncShenhaiFlow.setLoanNo(params.get("copOrderId"));
		}
		if(Objects.nonNull(bmdResponse) && bmdResponse.getSuccess()) {
			syncShenhaiFlow.setSyncStatus("Y");
		}else{
			syncShenhaiFlow.setSyncStatus("N");
		}
		if(Objects.nonNull(syncSHTypeEnum)) {
			syncShenhaiFlow.setType(syncSHTypeEnum.name().toString());
		}
		if(Objects.nonNull(bmdResponse)){
			syncShenhaiFlow.setResult(JSON.toJSONString(bmdResponse));
		}
		notifyObservers(syncShenhaiFlow);
        return bmdResponse;
    }

    //推送用户注册
    public BMDResponse register(String userNo,String cellphone){
        HashMap<String,String> params = new HashMap<>();
        params.put("copUserId",userNo);
        params.put("copRegPhoneNo",cellphone);
        return requestBmd(bmdBaseUri + "/api/v1/user_create",params,null, SyncSHTypeEnum.USER_CREATE);
    }

    public BMDResponse register(CoreLoan loan){
        HashMap<String,String> params = new HashMap<>();
        Customer customer = customerService.getByCustomerNo(loan.getCustomerNo());
        if(Objects.isNull(customer)){
            return null;
        }
        params.put("copUserId",customer.getCustomerNo());
        params.put("copRegPhoneNo",customer.getCellPhone());
        return requestBmd(bmdBaseUri + "/api/v1/user_create",params,null, SyncSHTypeEnum.USER_CREATE);
    }

    //推送用户身份认证
    public BMDResponse userVerify(CoreLoan loan){

        if(Objects.isNull(loan)){
            return null;
        }
        String userId = loan.getCustomerNo();
        Customer customer = customerService.getByCustomerNo(userId);
        String realName = customer.getIdCardName();
        String idcardNo = customer.getIdCardNo();
        CustomerFiles idObverse = customerFilesService.getLastCustomerFileByCustomerNoAndType(userId, UseageTypeEnum.IDOBVERSE);
        CustomerFiles idReverse = customerFilesService.getLastCustomerFileByCustomerNoAndType(userId,UseageTypeEnum.IDREVERSE);
        String oberseFileName = idObverse.getFileName();
        String reverseFileName = idReverse.getFileName();
        InputStream idObverseIs = fileService.downloadFile(oberseFileName);
        InputStream idReverseIs = fileService.downloadFile(reverseFileName);
        try {
            byte[] idObverseBytes = IOUtils.toByteArray(idObverseIs);
            String oberseMd5 = Digest.signMD5(idObverseBytes,"UTF-8");
            if(StringUtils.isNotBlank(oberseMd5)){
                oberseMd5 = oberseMd5.toUpperCase();
            }
            byte[] idReverseBytes = IOUtils.toByteArray(idReverseIs);
            String reverseMd5 = Digest.signMD5(idReverseBytes,"UTF-8");
            if(StringUtils.isNotBlank(reverseMd5)){
                reverseMd5 = reverseMd5.toUpperCase();
            }
            Pair<byte[],String> obversePair = ImmutablePair.of(idObverseBytes,"image/jpeg");
            Pair<byte[],String> reversePair = ImmutablePair.of(idReverseBytes,"image/jpeg");
            Map<String,Pair<byte[],String>> fileMap = new HashMap<>();
            Map<String,String> params = new HashMap<>();
            fileMap.put("idcardFrontImgFile",obversePair);
            fileMap.put("idcardBackImgFile",reversePair);
            params.put("copUserId",userId);
            params.put("realName",realName);
            params.put("idcardNo",idcardNo);
            params.put("idcardFrontImgMd5",oberseMd5);
            params.put("idcardBackImgMd5",reverseMd5);
            return requestBmd(bmdBaseUri + "/api/v1/user_identify",params,fileMap,SyncSHTypeEnum.USER_IDENTIFY);
        } catch (IOException e) {
            e.printStackTrace();
        }
        //Digest.signMD5()
        return null;
    }

    //用户活体检测
    public BMDResponse userLive(CoreLoan loan){

        CustomerFiles customerFiles = customerFilesService.getLastCustomerFileByCustomerNoAndType(loan.getCustomerNo(),UseageTypeEnum.LIVENESS_FRONT);
        if(Objects.isNull(customerFiles)){
            return null;
        }
        String fileName = customerFiles.getFileName();
        InputStream fileIs = fileService.downloadFile(fileName);
        try {
            byte[] content = IOUtils.toByteArray(fileIs);
            String md5 = Digest.signMD5(content,"UTF-8");
            if(StringUtils.isNotBlank(md5)){
                md5 = md5.toUpperCase();
            }
            Pair<byte[],String> pair = ImmutablePair.of(content,"image/jpeg");
            Map<String,Pair<byte[],String>> fileMap = new HashMap<>();
            fileMap.put("livecheckImgFile",pair);
            Map<String,String> params = new HashMap<>();
            params.put("copUserId",loan.getCustomerNo());
            params.put("livecheckImgMd5",md5);

            return requestBmd(bmdBaseUri + "/api/v1/user_livecheck",params,fileMap,SyncSHTypeEnum.USER_LIVECHECK);
        } catch (IOException e) {
            e.printStackTrace();
        }
        return null;
    }


    //同步用户银行卡四要素
    public BMDResponse userBankCard(CoreLoan loan){
        String customerNo = loan.getCustomerNo();
        CustomerAccount customerAccount = customerAccountService.getLastCustomerAccount(customerNo);
        if(Objects.isNull(customerAccount)){
            return null;
        }
        String copUserId = customerNo;
        String realName = customerAccount.getAccountHolder();
        String idcardNo = customerAccount.getAccountIdCardNo();
        String bankCardNo = customerAccount.getAccountNumber();
        String bankcardPhoneNo = customerAccount.getAccountPhone();
        Map<String,String> params = new HashMap<>();
        params.put("copUserId",copUserId);
        params.put("realName",realName);
        params.put("idcardNo",idcardNo);
        params.put("bankcardNo",bankCardNo);
        params.put("bankcardPhoneNo",bankcardPhoneNo);
        return requestBmd(bmdBaseUri + "/api/v1/user_sync_bankcard_fourelements",params,null,SyncSHTypeEnum.FOURELEMENTS);

    }


//    public boolean pushUserInfo(CoreLoan loan){
//
//
//    }

    //推送创建订单
    // String orderNo,String userNo,long amount,String usage,String bankAccountName,String bankAccountNo,String repayPlan
    public BMDResponse orderCreate(CoreLoan loan){
        HashMap<String,String> params = new HashMap<>();
        params.put("copOrderId",loan.getLoanNo());
        params.put("loanConfigNo",loanConfigNo);
        params.put("copUserId",loan.getCustomerNo());
        params.put("amount",String.valueOf(loan.getApprovedPrincipal().movePointRight(2)));
        String loanUdageName = coreDictionaryItemService.getByItemCode("REASON"+loan.getLoanUsageCode()).getItemName();
        params.put("usage",loanUdageName);
        CustomerAccount customerAccount = customerAccountService.getLastCustomerAccount(loan.getCustomerNo());
        if(Objects.isNull(customerAccount)){
            return null;
        }
        params.put("bankAccountName",customerAccount.getAccountHolder());
        params.put("bankAccountNo",customerAccount.getAccountNumber());
        RepayPlan repayPlan = new RepayPlan();
        repayPlan.setType(1);
        repayPlan.setIntervalUnitType("DAY");
        repayPlan.setIntervalUnitCount(loan.getApprovedPeriod());
        repayPlan.setDailyPenaltyRate(0.1);
        repayPlan.setEstimatePayTime(LocalDateToUdate(LocalDate.now()));
        RepayPlanItem repayPlanItem = new RepayPlanItem();
        repayPlanItem.setCopRepayPlanItemId(loan.getLoanNo());
        repayPlanItem.setPrincipal(loan.getApprovedPrincipal().movePointRight(2).longValue());
        LocalDate dueDate = LocalDate.now().plusDays(loan.getApprovedPeriod() - 1);
        repayPlanItem.setEstimateRepayTime(LocalDateToUdate(dueDate));
        repayPlan.setIntervalUnitInterestRate(loan.getInterestRate().movePointRight(2).setScale(3, BigDecimal.ROUND_HALF_UP).toString());
        repayPlanItem.setInterests(0l);
        repayPlanItem.setFee(100l);
        repayPlanItem.setCommission(0l);
        repayPlanItem.setOther(loan.getApprovedInterest().movePointRight(2).longValue()-100l);
        List<RepayPlanItem> repayPlanItemList = new ArrayList<>();
        repayPlanItemList.add(repayPlanItem);
        repayPlan.setItemList(repayPlanItemList);
        params.put("repayPlan",JSONObject.toJSONString(repayPlan));
        return requestBmd(bmdBaseUri + "/api/v1/order_create",params,null,SyncSHTypeEnum.ORDER_CREATE);
    }
    //白猫贷查询订单
    public BMDResponse getOrder(CoreLoan loan){
        Map<String,String> params = new HashMap<>();
        params.put("copUserId",loan.getLoanNo());
        return requestBmd(bmdBaseUri + "/api/v1/order_get",params,null,null);
    }

    public String LocalDateToUdate(LocalDate localDate) {
        ZoneId zone = ZoneId.systemDefault();
        Instant instant = localDate.atStartOfDay().atZone(zone).toInstant();
        java.util.Date date = Date.from(instant);
        SimpleDateFormat simpleDateFormat = new SimpleDateFormat("yyyy-MM-dd HH:mm:ss");
        return simpleDateFormat.format(date);

    }

    public BMDResponse loanContract(CoreLoan loan,String fileName){
        String loanNo = loan.getLoanNo();
        InputStream contractIs = fileService.downloadFile(fileName);
        if(Objects.nonNull(contractIs)) {
            try {
                byte[] contractBytes = IOUtils.toByteArray(contractIs);
                try {
                    contractIs.close();
                }catch(Exception e){
                    log.error("close contract inputstream has error!");
                }
                String md5 = Digest.signMD5(contractBytes,"UTF-8");
                if(StringUtils.isNotBlank(md5)){
                    md5 = md5.toUpperCase();
                }
                Map<String,String> params = new HashMap<>();
                params.put("contractMd5",md5);
                params.put("copOrderId",loanNo);
                Map<String,Pair<byte[],String>> files = new HashMap<>();

                files.put("contractFile",ImmutablePair.of(contractBytes,"application/pdf"));
                return requestBmd(bmdBaseUri + "/api/v1/order_upload_contract",params,files,SyncSHTypeEnum.ORDER_CONTRACT);
            } catch (IOException e) {
                e.printStackTrace();
            }
        }
        return null;
    }

    //订单支付
    public BMDResponse loanWithdraw(CoreLoanWithdrawFlow withdrawFlow){
        if(Objects.isNull(withdrawFlow)){
            return null;
        }
        Map<String,String> params = new HashMap<>();
        params.put("copOrderId",withdrawFlow.getLoanNo());
        params.put("payMerchantNo",merchantNo);
        params.put("copPayRequestId",withdrawFlow.getRequestNo());
        params.put("callbackUrl",callBackUrl);
        return requestBmd(bmdBaseUri + "/api/v1/order_pay",params,null,SyncSHTypeEnum.ORDER_WITHDRAW);

    }


    public BMDResponse transResponse(String responseStr){
        if(StringUtils.isNotBlank(responseStr)){
                JSONObject resultJson = JSONObject.parseObject(responseStr);
                BMDResponse result = new BMDResponse();
                result.setReqId(resultJson.getString("reqId"));
                int code = resultJson.getInteger("code");
                if(0 == code){
                    result.setCode(0);
                    result.setSuccess(true);
                }else{
                    result.setCode(code);
                    result.setSuccess(false);
                }
                result.setMsg(resultJson.getString("msg"));
                return result;
        }
        return null;
    }

}