提现风控

smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/constant/IotConstants.java

@@ -68,7 +68,7 @@ public class IotConstants {
     public static final String COMMAND_RECHARGE = "time";
 
     /**
-     * 命令  设置断电方式
+     * 命令  设置通断电方式
      */
     public static final String COMMAND_OUTAGE_WAY = "set";
 

smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/core/domain/entity/SmUser.java

@@ -1,6 +1,7 @@
 package com.ruoyi.common.core.domain.entity;
 
 import java.math.BigDecimal;
+import java.time.LocalDateTime;
 import java.util.Date;
 import com.fasterxml.jackson.annotation.JsonFormat;
 import com.fasterxml.jackson.annotation.JsonView;
@@ -186,4 +187,14 @@ public class SmUser extends BaseEntity
     @Excel(name = "限制退款原因")
     @ApiModelProperty("限制退款原因")
     private String limitRefundReason;
+
+    @Excel(name = "风险提现次数")
+    @ApiModelProperty("风险提现次数")
+    private Integer riskCount;
+
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @Excel(name = "限制提现时间", width = 30, dateFormat = "yyyy-MM-dd HH:mm:ss")
+    @ApiModelProperty("限制提现时间")
+    private LocalDateTime limitWithdrawTime;
+
 }

smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/utils/DateUtils.java

@@ -5,6 +5,7 @@ import java.text.ParseException;
 import java.text.SimpleDateFormat;
 import java.time.*;
 import java.time.format.DateTimeFormatter;
+import java.time.temporal.Temporal;
 import java.util.Calendar;
 import java.util.Date;
 import org.apache.commons.lang3.time.DateFormatUtils;
@@ -316,4 +317,12 @@ public class DateUtils extends org.apache.commons.lang3.time.DateUtils
     public static LocalDateTime toLocalDate(String timeStr, String format) {
         return LocalDateTime.parse(timeStr, DateTimeFormatter.ofPattern(format));
     }
+
+    public static LocalDateTime toLocalDateTime(Date date) {
+        return date.toInstant().atZone(ZoneId.systemDefault()).toLocalDateTime();
+    }
+
+    public static String format(LocalDateTime time, String format) {
+        return time.format(DateTimeFormatter.ofPattern(format));
+    }
 }

smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java

@@ -21,7 +21,10 @@ public enum ConfigKey {
     DAILY_WITHDRAW_COUNT("daily.withdraw.count", "单日单用户提现次数（次）"),
     NOVERIFY_WITHDRAW_SINGLE("noverify.withdraw.single", "提现单笔免审核额度（元）"),
     RECHARGE_MIN_SERVICE("recharge.min.service","充值最低服务费（元）"),
-    ORDER_AUTO_CLOSE_CD("order.auto.close.cd", "订单自动关闭冷却时间（分）");
+    ORDER_AUTO_CLOSE_CD("order.auto.close.cd", "订单自动关闭冷却时间（分）"),
+    RISK_WITHDRAW_TIME("risk.withdraw.time", "风控订单和提现相隔时长（分钟）"),
+    RISK_WITHDRAW_COUNT("risk.withdraw.count", "累计风险次数"),
+    RISK_WITHDRAW_ENABLED("risk.withdraw.enabled", "是否开启提现风控");
 
     private final String key;
     private final String msg;

smart-switch-service/src/main/java/com/ruoyi/ss/device/domain/enums/DeviceOutageWay.java

@@ -14,8 +14,8 @@ import java.util.Objects;
 @Getter
 public enum DeviceOutageWay {
 
-	NOT_OUTAGE("0",  "到时不断电"),
+	NOT_OUTAGE("0",  "正"),
-	IMMEDIATE("1", "到时立即断电");
+	IMMEDIATE("1", "反");
 
     private final String value;
     private final String msg;

smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/TransactionBillService.java

@@ -299,4 +299,9 @@ public interface TransactionBillService
      * 开启/关闭订单设备
      */
     int switchDevice(TransactionBillVO bill, boolean open);
+
+    /**
+     * 查询最后一个
+     */
+    TransactionBillVO selectLastOne(TransactionBillQuery query);
 }

smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/WithdrawValidator.java

@@ -0,0 +1,17 @@
+package com.ruoyi.ss.transactionBill.service;
+
+import com.ruoyi.common.core.domain.ValidateResult;
+import com.ruoyi.ss.transactionBill.domain.bo.WithdrawBO;
+
+/**
+ * @author wjh
+ * 2024/9/21
+ */
+public interface WithdrawValidator {
+
+    /**
+     * 判断提现是否有风险
+     */
+    boolean hasRisk(WithdrawBO bo);
+
+}

smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java

@@ -2,6 +2,7 @@ package com.ruoyi.ss.transactionBill.service.impl;
 
 import com.github.pagehelper.PageHelper;
 import com.ruoyi.common.constant.Constants;
+import com.ruoyi.common.core.domain.ValidateResult;
 import com.ruoyi.common.core.redis.RedisLock;
 import com.ruoyi.common.core.redis.enums.RedisLockKey;
 import com.ruoyi.common.enums.WithdrawServiceType;
@@ -50,6 +51,7 @@ import com.ruoyi.ss.transactionBill.mapper.TransactionBillMapper;
 import com.ruoyi.ss.transactionBill.service.TransactionBillConverter;
 import com.ruoyi.ss.transactionBill.service.TransactionBillService;
 import com.ruoyi.ss.transactionBill.service.TransactionBillValidator;
+import com.ruoyi.ss.transactionBill.service.WithdrawValidator;
 import com.ruoyi.ss.transfer.domain.TransferVO;
 import com.ruoyi.ss.transfer.interfaces.AfterTransfer;
 import com.ruoyi.ss.transfer.service.TransferConverter;
@@ -155,6 +157,9 @@ public class TransactionBillServiceImpl implements TransactionBillService, After
     @Autowired
     private TransactionBillConverter transactionBillConverter;
 
+    @Autowired
+    private WithdrawValidator withdrawValidator;
+
     /**
      * 查询充值记录
      *
@@ -414,7 +419,35 @@ public class TransactionBillServiceImpl implements TransactionBillService, After
 
             ServiceUtil.assertion(user == null, "用户不存在");
             ServiceUtil.assertion(user.getIsReal() == null || !user.getIsReal(), "用户未实名认证，无法提现");
-            ServiceUtil.assertion(user.getLimitWithdraw() != null && user.getLimitWithdraw(), "您被限制提现：" + user.getLimitWithdrawReason());
+
+            // 判断用户是否被限制提现
+            boolean limitWithdraw = user.getLimitWithdraw() != null && user.getLimitWithdraw();
+            if (limitWithdraw) {
+                LocalDateTime limitWithdrawTime = user.getLimitWithdrawTime();
+                if (limitWithdrawTime == null) {
+                    throw new ServiceException("您被永久限制提现：" +  user.getLimitWithdrawReason());
+                } else {
+                    throw new ServiceException("您被限制提现至" + DateUtils.format(limitWithdrawTime, DateUtils.YYYY_MM_DD_HH_MM_SS) + ":" + user.getLimitWithdrawReason() );
+                }
+            }
+
+            // 风控规则，判断用户是否有风险
+            boolean enabled = sysConfigService.getBoolean(ConfigKey.RISK_WITHDRAW_ENABLED);
+            if (enabled) {
+                boolean hasRisk = withdrawValidator.hasRisk(bo);
+                if (hasRisk) {
+                    // 累计一次风险次数
+                    userService.addRiskCount(userId, 1);
+                    // 若用户风险次数已达到阈值，将用户标记为提现风险
+                    int riskWithdrawCount = sysConfigService.getInt(ConfigKey.RISK_WITHDRAW_COUNT);
+                    if (user.getRiskCount() + 1 >= riskWithdrawCount) {
+                        userService.limitWithdraw(userId, LocalDateTime.now().plusDays(1), "根据风控规则判断，您的提现具有风险", "风险客户");
+                        // 返回错误
+                        throw new ServiceException("提现具有风险，无法提现");
+                    }
+                }
+            }
+
 
             // 判断今天提现成功和正在审核中的提现是否超过限额
             String dailyLimitStr = sysConfigService.selectConfigByKey(ConfigKey.DAILY_WITHDRAW_AMOUNT.getKey());
@@ -1649,6 +1682,12 @@ public class TransactionBillServiceImpl implements TransactionBillService, After
         }
     }
 
+    @Override
+    public TransactionBillVO selectLastOne(TransactionBillQuery query) {
+        PageHelper.orderBy("stb.bill_id desc");
+        return selectOne(query);
+    }
+
     @Override
     public UserWithdrawServiceVO getUserWithdrawService(Long userId, Long channelId) {
         SmUserVo user = userService.selectSmUserByUserId(userId);

smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/WithdrawValidatorImpl.java

@@ -0,0 +1,74 @@
+package com.ruoyi.ss.transactionBill.service.impl;
+
+import com.ruoyi.common.core.domain.BaseValidator;
+import com.ruoyi.common.core.redis.RedisCache;
+import com.ruoyi.common.utils.DateUtils;
+import com.ruoyi.ss.transactionBill.domain.TransactionBillQuery;
+import com.ruoyi.ss.transactionBill.domain.bo.WithdrawBO;
+import com.ruoyi.ss.transactionBill.domain.dto.WithdrawDTO;
+import com.ruoyi.ss.transactionBill.domain.enums.TransactionBillStatus;
+import com.ruoyi.ss.transactionBill.domain.enums.TransactionBillType;
+import com.ruoyi.ss.transactionBill.domain.vo.TransactionBillVO;
+import com.ruoyi.ss.transactionBill.service.TransactionBillService;
+import com.ruoyi.ss.transactionBill.service.WithdrawValidator;
+import com.ruoyi.ss.user.domain.SmUserVo;
+import com.ruoyi.system.domain.enums.config.ConfigKey;
+import com.ruoyi.system.service.ISysConfigService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+
+import java.time.Duration;
+import java.time.LocalDateTime;
+
+/**
+ * @author wjh
+ * 2024/9/21
+ */
+@Service
+public class WithdrawValidatorImpl extends BaseValidator implements WithdrawValidator {
+
+    @Autowired
+    private TransactionBillService transactionBillService;
+
+    @Autowired
+    private ISysConfigService sysConfigService;
+    @Autowired
+    private RedisCache redisCache;
+
+    /**
+     * 判断提现是否有风险
+     *
+     * @param bo
+     */
+    @Override
+    public boolean hasRisk(WithdrawBO bo) {
+        if (bo == null || bo.getUser() == null || bo.getDto() == null) {
+            return false;
+        }
+        SmUserVo user = bo.getUser();
+        WithdrawDTO dto = bo.getDto();
+
+        // 查询最近一次的订单
+        TransactionBillQuery query = new TransactionBillQuery();
+        query.setUserId(user.getUserId());
+        query.setType(TransactionBillType.RECHARGE.getType());
+        query.setStatus(TransactionBillStatus.SUCCESS.getStatus());
+        TransactionBillVO recharge = transactionBillService.selectLastOne(query);
+        if (recharge == null || recharge.getPayTime() == null) {
+            return false;
+        }
+
+        // 判断订单金额是否和提现一致、订单时间与提现时间是否相差较近
+        // 金额一致
+        boolean equalsMoney = recharge.getArrivalAmount() != null && dto.getMoney() != null && recharge.getArrivalAmount().compareTo(dto.getMoney()) == 0;
+        // 提现时间相近
+        int riskWithdrawTime = sysConfigService.getInt(ConfigKey.RISK_WITHDRAW_TIME); // 最低允许相隔时长（分钟）
+        Duration between = Duration.between(DateUtils.toLocalDateTime(recharge.getPayTime()), LocalDateTime.now());
+        boolean timeLimit = between.toMinutes() < riskWithdrawTime;
+        if (equalsMoney && timeLimit) {
+            return true;
+        }
+
+        return false;
+    }
+}

smart-switch-service/src/main/java/com/ruoyi/ss/user/mapper/SmUserMapper.java

@@ -109,4 +109,12 @@ public interface SmUserMapper
      * 查询用户余额
      */
     BigDecimal selectSumOfBalance(SmUserQuery query);
+
+    /**
+     * 增加一次风险次数
+     * @param userId
+     * @param count
+     * @return
+     */
+    int addRiskCount(@Param("userId") Long userId,@Param("count") int count);
 }

smart-switch-service/src/main/java/com/ruoyi/ss/user/mapper/SmUserMapper.xml

@@ -49,6 +49,8 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             su.limit_withdraw_reason,
             su.limit_refund,
             su.limit_refund_reason,
+            su.risk_count,
+            su.limit_withdraw_time,
             (select sum(stb.money) from sm_transaction_bill stb where stb.user_id = su.user_id and stb.type = '1' and stb.status = '2') as recharge_amount,
             (select sum(stb.arrival_amount) from sm_transaction_bill stb where stb.user_id = su.user_id and stb.type = '2' and stb.status = '14') as with_drawl_amount,
             (select sum(stb.arrival_amount) from sm_transaction_bill stb where stb.mch_id = su.user_id and stb.type = '1' and stb.status = '2') as total_income
@@ -169,6 +171,8 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="limitWithdrawReason != null">limit_withdraw_reason,</if>
             <if test="limitRefund != null">limit_refund,</if>
             <if test="limitRefundReason != null">limit_refund_reason,</if>
+            <if test="riskCount != null">risk_count,</if>
+            <if test="limitWithdrawTime != null">limit_withdraw_time,</if>
          </trim>
         <trim prefix="values (" suffix=")" suffixOverrides=",">
             <if test="userName != null and userName != ''">#{userName},</if>
@@ -206,9 +210,17 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="limitWithdrawReason != null">#{limitWithdrawReason},</if>
             <if test="limitRefund != null">#{limitRefund},</if>
             <if test="limitRefundReason != null">#{limitRefundReason},</if>
+            <if test="riskCount != null">#{riskCount},</if>
+            <if test="limitWithdrawTime != null">#{limitWithdrawTime},</if>
          </trim>
     </insert>
 
+    <insert id="addRiskCount">
+        update sm_user
+        set risk_count = risk_count + 1
+        where user_id = #{userId} and del_flag = '0'
+    </insert>
+
     <update id="addBalance">
         update sm_user
         set balance = balance + #{amount}
@@ -253,6 +265,8 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="limitWithdrawReason != null">limit_withdraw_reason = #{limitWithdrawReason},</if>
             <if test="limitRefund != null">limit_refund = #{limitRefund},</if>
             <if test="limitRefundReason != null">limit_refund_reason = #{limitRefundReason},</if>
+            <if test="riskCount != null">risk_count = #{riskCount},</if>
+            <if test="limitWithdrawTime != null">limit_withdraw_time = #{limitWithdrawTime},</if>
         </trim>
         where user_id = #{userId}
     </update>

smart-switch-service/src/main/java/com/ruoyi/ss/user/service/ISmUserService.java

@@ -8,6 +8,7 @@ import com.ruoyi.ss.user.domain.SmUserVo;
 import com.ruoyi.ss.user.domain.dto.UserRealNameDTO;
 
 import java.math.BigDecimal;
+import java.time.LocalDateTime;
 import java.util.List;
 
 /**
@@ -209,4 +210,19 @@ public interface ISmUserService
      * 实名认证
      */
     int realName(UserRealNameDTO dto);
+
+    /**
+     * 限制提现
+     * @param userId
+     * @param limitTime
+     * @param reason
+     * @param remark
+     * @return
+     */
+    int limitWithdraw(Long userId, LocalDateTime limitTime, String reason, String remark);
+
+    /**
+     * 添加一次风险次数
+     */
+    int addRiskCount(Long userId, int count);
 }

smart-switch-service/src/main/java/com/ruoyi/ss/user/service/impl/SmUserServiceImpl.java

@@ -26,6 +26,7 @@ import org.springframework.transaction.annotation.Transactional;
 import org.springframework.transaction.support.TransactionTemplate;
 
 import java.math.BigDecimal;
+import java.time.LocalDateTime;
 import java.util.Collections;
 import java.util.List;
 import java.util.Map;
@@ -297,6 +298,25 @@ public class SmUserServiceImpl implements ISmUserService
         return smUserMapper.updateSmUser(data);
     }
 
+    @Override
+    public int limitWithdraw(Long userId, LocalDateTime limitTime, String reason, String remark) {
+        if (userId == null) {
+            return 0;
+        }
+        SmUser data = new SmUser();
+        data.setUserId(userId);
+        data.setLimitWithdraw(true);
+        data.setLimitWithdrawTime(limitTime);
+        data.setLimitWithdrawReason(reason);
+        data.setRemark(remark);
+        return smUserMapper.updateSmUser(data);
+    }
+
+    @Override
+    public int addRiskCount(Long userId, int count) {
+        return smUserMapper.addRiskCount(userId, count);
+    }
+
     /**
      * 逻辑删除前校验
      * @param userIds