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提现风控

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This commit is contained in:
墨大叔 2024-09-21 19:28:59 +08:00
parent 7ff418ef44
commit f37bc4779a
13 changed files with 221 additions and 5 deletions
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2
smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/constant/IotConstants.java
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@ -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";

11
smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/core/domain/entity/SmUser.java
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@ -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;
}

9
smart-switch-ruoyi/smart-switch-common/src/main/java/com/ruoyi/common/utils/DateUtils.java
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@ -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));
}
}

5
smart-switch-ruoyi/smart-switch-system/src/main/java/com/ruoyi/system/domain/enums/config/ConfigKey.java
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@ -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;

4
smart-switch-service/src/main/java/com/ruoyi/ss/device/domain/enums/DeviceOutageWay.java
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@ -14,8 +14,8 @@ import java.util.Objects;
@Getter
public enum DeviceOutageWay {
NOT_OUTAGE("0", "到时不断电"),
IMMEDIATE("1", "到时立即断电");
NOT_OUTAGE("0", "正"),
IMMEDIATE("1", "反");
private final String value;
private final String msg;

5
smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/TransactionBillService.java
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@ -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);
}

17
smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/WithdrawValidator.java Normal file
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@ -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);
}

41
smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
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@ -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);

74
smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/WithdrawValidatorImpl.java Normal file
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@ -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;
}
}

8
smart-switch-service/src/main/java/com/ruoyi/ss/user/mapper/SmUserMapper.java
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@ -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);
}

14
smart-switch-service/src/main/java/com/ruoyi/ss/user/mapper/SmUserMapper.xml
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@ -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>

16
smart-switch-service/src/main/java/com/ruoyi/ss/user/service/ISmUserService.java
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@ -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);
}

20
smart-switch-service/src/main/java/com/ruoyi/ss/user/service/impl/SmUserServiceImpl.java
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@ -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