huahuibao/biz-ghs/lakala/services/LakalaAccountService.php

<?php

namespace bizGhs\lakala\services;

use bizGhs\lakala\classes\LakalaAccountClass;
use bizGhs\lakala\classes\LakalaApplicationClass;
use bizGhs\lakala\classes\LakalaApplicationVersionClass;
use bizGhs\lakala\classes\LakalaOperationClass;
use bizGhs\shop\classes\ShopClass;
use common\components\imgUtil;
use common\components\lakala\LakalaOnboardingClient;
use common\components\oss;
use common\components\stringUtil;
use common\components\util;
use Yii;

class LakalaAccountService
{
    const RATE = '0.33';
    const MCC = '5992';
    const ACTIVITY_ID = '208'; // WECHAT_PAY -- 专业化扫码

    public static function list($mainId, $shopId)
    {
        $applications = LakalaApplicationClass::getAllByCondition(
            ['mainId' => $mainId, 'shopId' => $shopId],
            ['id' => SORT_DESC],
            '*'
        );
        $accounts = LakalaAccountClass::getAllByCondition(
            ['mainId' => $mainId, 'shopId' => $shopId],
            ['isCurrent' => SORT_DESC, 'id' => SORT_DESC],
            '*', null, true
        );

        foreach ($applications as &$application) {
            $application['formData'] = self::decode($application['formData'] ?? '');
        }
        $refreshAccountIds = [];
        foreach ($accounts as $account) {
            if ($account->wxAuthorizeState == 1 && $account->zfbAuthorizeState == 1) {
                continue;
            }
            $refreshAccountIds[] = $account->id;
        }
        LakalaAccountClass::dispatchAuthorizeStatesRefresh($refreshAccountIds);
        $accountList = [];
        foreach ($accounts as $account) {
            $accountList[] = $account->attributes;
        }

        return ['applications' => $applications, 'accounts' => $accountList];
    }

    public static function detail($id, $mainId, $shopId)
    {
        $application = self::application($id, $mainId, $shopId);
        $application['formData'] = self::formatFormImages(self::decode($application['formData'] ?? ''));
        return $application;
    }

    public static function create($mainId, $shopId, $shop, $type = LakalaApplicationClass::TYPE_ONBOARDING, $accountId = 0)
    {
        $now = date('Y-m-d H:i:s');
        $form = self::defaultForm($shop);
        if ($type === LakalaApplicationClass::TYPE_SETTLEMENT_CHANGE && $accountId > 0) {
            $account = LakalaAccountClass::getByCondition(['id' => $accountId, 'mainId' => $mainId, 'shopId' => $shopId]);
            if (empty($account)) {
                util::fail('没有找到收款账户');
            }
            $form['mode'] = 'settlement-change';
            $form['settlement']['accountName'] = $account['accountName'] ?? '';
            $form['settlement']['accountNo'] = $account['accountNo'] ?? '';
            $form['settlement']['bankName'] = $account['bankName'] ?? '';
        }
        $application = LakalaApplicationClass::add([
            'mainId' => $mainId,
            'shopId' => $shopId,
            'accountId' => $accountId,
            'type' => $type,
            'status' => LakalaApplicationClass::STATUS_DRAFT,
            'currentStep' => $type === LakalaApplicationClass::TYPE_SETTLEMENT_CHANGE ? 3 : 1,
            'formData' => self::encode($form),
            'createTime' => $now,
            'updateTime' => $now,
        ], true);
        return self::detail($application->id, $mainId, $shopId);
    }

    public static function saveDraft($id, $mainId, $shopId, array $form, $step)
    {
        $application = self::application($id, $mainId, $shopId, true);
        if (!in_array($application->status, [LakalaApplicationClass::STATUS_DRAFT, LakalaApplicationClass::STATUS_REJECT, LakalaApplicationClass::STATUS_CONTRACT_PENDING], true)) {
            util::fail('当前申请不能修改');
        }
        $application->formData = self::encode($form);
        $application->currentStep = max(1, min(5, (int)$step));
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return self::detail($id, $mainId, $shopId);
    }

    public static function deleteDraft($id, $mainId, $shopId)
    {
        $application = self::application($id, $mainId, $shopId);
        if ($application['status'] !== LakalaApplicationClass::STATUS_DRAFT) {
            util::fail('仅草稿可以删除');
        }
        LakalaApplicationClass::deleteById($id);
    }

    public static function upload($id, $mainId, $shopId, $base64, $imgType, $ocr)
    {
        self::application($id, $mainId, $shopId);
        if (!preg_match('/^data:image\/[a-zA-Z0-9.+-]+;base64,/', $base64)) {
            util::fail('图片格式错误');
        }
        $content = base64_decode(substr($base64, strpos($base64, ',') + 1), true);
        if ($content === false || strlen($content) > 5 * 1024 * 1024) {
            util::fail('图片内容无效或超过5MB');
        }

        $info = getimagesizefromstring($content);
        if ($info === false) {
            util::fail('图片内容无效');
        }
        $allowMime = [
            'image/jpeg',
            'image/png',
            'image/gif',
            'image/webp',
        ];
        if (!in_array($info['mime'], $allowMime, true)) {
            Yii::error('不允许上传：' . $info['mime']);
            util::fail('图片出错，不允许上传');
        }

        if (strlen($content) > 5 * 1024 * 1024) {
            util::fail('图片超过5MB');
        }

        $extension = self::imageExtension($info['mime']);
        $path = 'lakala-onboarding/' . $mainId . '/' . date('Ymd') . '/' . $id . '/' . stringUtil::uniqueFileName() . '.' . $extension;
        oss::uploadContent($path, $content);

        $response = (new LakalaOnboardingClient())->upload($base64, $imgType, (bool)$ocr);
        $lakalaUrl = $response['data']['url'] ?? '';
        return [
            'ossPath' => self::formatOssPath($path),
            'lakalaUrl' => $lakalaUrl,
            'imgType' => $imgType,
            'batchNo' => $response['data']['batch_no'] ?? '',
            'ocrStatus' => $response['data']['status'] ?? '',
            'ocrResult' => $response['data']['result'] ?? null,
            'url' => $lakalaUrl,
            'status' => $response['data']['status'] ?? '',
            'ocr' => $response['data']['result'] ?? null,
        ];
    }

    public static function ocr($id, $mainId, $shopId, $batchNo, $imgType)
    {
        self::application($id, $mainId, $shopId);
        $response = (new LakalaOnboardingClient())->ocr($batchNo, $imgType);
        return $response['data'];
    }

    public static function option($type, $parentCode = '', $keyword = '')
    {
        $client = new LakalaOnboardingClient();
        if ($type === 'region') {
            return $client->query('/api/v3/tkbs/organization_parent_code', ['parent_code' => $parentCode ?: '1'])['data'];
        }
        if ($type === 'bank-region') {
            return $client->query('/api/v3/tkbs/organization_bank_parent_code', ['parent_code' => $parentCode ?: '1'])['data'];
        }
        if ($type === 'bank') {
            return $client->query('/api/v3/tkbs/bank', ['area_code' => $parentCode, 'bank_name' => $keyword])['data'];
        }
        util::fail('不支持的选项类型');
    }

    public static function applyContract($id, $mainId, $shopId)
    {
        $application = self::application($id, $mainId, $shopId, true);
        $form = self::decode($application->formData);
        self::validateContract($form);
        $client = new LakalaOnboardingClient();
        $orderNo = date('YmdHis') . substr(str_shuffle('0123456789'), 0, 8);
        $request = self::contractRequest($form, $orderNo, $client->orgCode());
        $response = $client->call('/api/v3/mms/open_api/ec/apply', $request);
        $application->contractOrderNo = $orderNo;
        $application->contractApplyId = $response['data']['ec_apply_id'] ?? '';
        $application->contractStatus = 'UNDONE';
        $application->status = LakalaApplicationClass::STATUS_CONTRACT_PENDING;
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        self::operation($application, 0, 'contract', '', $request, $response, 'UNDONE');
        return ['resultUrl' => $response['data']['result_url'] ?? '', 'status' => 'UNDONE'];
    }

    public static function contractStatus($id, $mainId, $shopId)
    {
        $application = self::application($id, $mainId, $shopId, true);
        if (empty($application->contractApplyId) || empty($application->contractOrderNo)) {
            util::fail('请先生成电子合同');
        }
        $client = new LakalaOnboardingClient();
        $response = $client->query('/api/v3/mms/open_api/ec/q_status', [
            'ec_apply_id' => $application->contractApplyId,
            'order_no' => $application->contractOrderNo,
        ]);
        $application->contractStatus = $response['data']['ec_status'] ?? '';
        $application->contractNo = $response['data']['ec_no'] ?? '';
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return ['status' => $application->contractStatus, 'contractNo' => $application->contractNo];
    }

    public static function submit($id, $mainId, $shopId, array $form)
    {
        $application = self::application($id, $mainId, $shopId, true);
        if ($application->type === LakalaApplicationClass::TYPE_SETTLEMENT_CHANGE) {
            return self::submitSettlementChange($application, $form);
        }
        self::validateOnboarding($form);
        if ($application->contractStatus !== 'COMPLETED' || empty($application->contractNo)) {
            util::fail('请先完成电子合同签约并刷新签约状态');
        }
        $client = new LakalaOnboardingClient();
        $request = self::merchantRequest($form, $application->contractNo, $client);
        $response = $client->call('/api/v3/tkbs/merchant_encry', $request, 'both');
        $application->formData = self::encode($form);
        $application->merchantNo = $response['data']['merchant_no'] ?? '';
        $application->customerNo = $response['data']['merchant_no'] ?? '';
        $application->status = LakalaApplicationClass::STATUS_WAIT_AUDIT;
        $application->rejectReason = '';
        $application->versionNo = ((int)$application->versionNo) + 1;
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        self::version($application, $request, $response);
        self::operation($application, 0, 'onboarding', '', $request, $response, $application->status);
        return self::detail($application->id, $mainId, $shopId);
    }

    public static function submitForPlatformAudit($id, $mainId, $shopId, array $form)
    {
        $application = self::application($id, $mainId, $shopId, true);
        if ($application->type === LakalaApplicationClass::TYPE_SETTLEMENT_CHANGE) {
            return self::submitSettlementChange($application, $form);
        }
        self::validateOnboarding($form);
        if ($application->contractStatus !== 'COMPLETED' || empty($application->contractNo)) {
            util::fail('请先完成电子合同签约并刷新签约状态');
        }
        $application->formData = self::encode($form);
        $application->status = LakalaApplicationClass::STATUS_PLATFORM_AUDIT;
        $application->rejectReason = '';
        $application->currentStep = 5;
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return self::detail($application->id, $mainId, $shopId);
    }

    public static function platformList($status = '', $keyword = '')
    {
        $where = [];
        if ($status !== '' && $status !== '-1') {
            $where['status'] = $status;
        }
        if ($keyword !== '') {
            if (is_numeric($keyword)) {
                $where['id'] = (int)$keyword;
            } else {
                $where['formData'] = ['like', $keyword];
            }
        }
        $result = LakalaApplicationClass::getList('*', $where, ['id' => SORT_DESC]);
        foreach ($result['list'] as &$item) {
            $form = self::formatFormImages(self::decode($item['formData'] ?? ''));
            $item['formData'] = $form;
            $item['merchantName'] = $form['merchant']['businessName'] ?? ($form['license']['licenseName'] ?? '');
            $item['legalName'] = $form['license']['legalName'] ?? '';
            $item['accountName'] = $form['settlement']['accountName'] ?? '';
        }
        return $result;
    }

    public static function platformDetail($id)
    {
        $application = LakalaApplicationClass::getById($id);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        $application['formData'] = self::formatFormImages(self::decode($application['formData'] ?? ''));
        return $application;
    }

    public static function platformSave($id, array $form, $step = 5)
    {
        $application = LakalaApplicationClass::getById($id, true);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        if (!in_array($application->status, [
            LakalaApplicationClass::STATUS_DRAFT,
            LakalaApplicationClass::STATUS_PLATFORM_AUDIT,
            LakalaApplicationClass::STATUS_REJECT,
            LakalaApplicationClass::STATUS_CONTRACT_PENDING,
        ], true)) {
            util::fail('当前申请不能修改');
        }
        $application->formData = self::encode($form);
        $application->currentStep = max(1, min(5, (int)$step));
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return self::platformDetail($id);
    }

    public static function platformUpload($id, $base64, $imgType, $ocr = 0)
    {
        $application = LakalaApplicationClass::getById($id);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        return self::upload($id, $application['mainId'], $application['shopId'], $base64, $imgType, (int)$ocr);
    }

    public static function platformReject($id, $reason)
    {
        $application = LakalaApplicationClass::getById($id, true);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        if ($application->status !== LakalaApplicationClass::STATUS_PLATFORM_AUDIT) {
            util::fail('仅后台审核中的申请可以驳回');
        }
        $application->status = LakalaApplicationClass::STATUS_REJECT;
        $application->rejectReason = mb_substr($reason ?: '后台审核驳回', 0, 500);
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
    }

    public static function platformApprove($id)
    {
        $application = LakalaApplicationClass::getById($id, true);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        if ($application->status !== LakalaApplicationClass::STATUS_PLATFORM_AUDIT) {
            util::fail('仅后台审核中的申请可以提交拉卡拉');
        }
        return self::submit(
            $application->id,
            $application->mainId,
            $application->shopId,
            self::decode($application->formData)
        );
    }

    public static function refresh($id, $mainId, $shopId)
    {
        $application = self::application($id, $mainId, $shopId, true);
        if ($application->type === LakalaApplicationClass::TYPE_SETTLEMENT_CHANGE) {
            return self::refreshChange($application);
        }
        if (empty($application->customerNo) && empty($application->merchantNo)) {
            util::fail('申请尚未提交（流程未走完）');
        }

        $client = new LakalaOnboardingClient();
        $response = $client->query('/api/v3/tkbs/open_merchant_info', [
            'customer_no' => $application->customerNo,
        ], 'both');
        $customer = $response['data']['customer'];
        $status = $customer['customer_status'];
        if (in_array($status, ['REJECT', 'REVIEW_FAIL'], true)) {
            $application->status = LakalaApplicationClass::STATUS_REJECT;
            $application->rejectReason = $customer['audit_remark'] ?? '拉卡拉审核驳回';
        } elseif (in_array($status, ['OPEN', 'ACTIVITY'], true)) {
            $application->merchantNo = $customer['merchant_no'] ?? $application->merchantNo;
            $application->customerNo = $customer['customer_no'] ?? $application->customerNo;
            $shopInfo = $response['data']['shop_info_list'][0] ?? [];
            $application->shopNo = $shopInfo['shop_id'] ?? $application->shopNo;
            $account = self::upsertAccount($application, $response['data']);
            self::ensureTermOperations($application, $account, $client);
            self::syncTerms($application, $account, $client);
            if ($account->scanTermNo != '' && $account->b2bTermNo != '') {
                $application->status = LakalaApplicationClass::STATUS_APPROVED;
            }
        } else {
            $application->status = LakalaApplicationClass::STATUS_WAIT_AUDIT;
        }
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return self::detail($application->id, $mainId, $shopId);
    }

    public static function setCurrent($accountId, $mainId, $shopId)
    {
        $account = LakalaAccountClass::getByCondition(['id' => $accountId, 'mainId' => $mainId, 'shopId' => $shopId], true);
        if (empty($account)) {
            util::fail('没有找到收款账户');
        }
        if (empty($account->scanTermNo) || empty($account->b2bTermNo)) {
            util::fail('账户业务尚未全部开通');
        }
        $transaction = Yii::$app->db->beginTransaction();
        try {
            LakalaAccountClass::updateByCondition(['shopId' => $shopId], ['isCurrent' => 0, 'updateTime' => date('Y-m-d H:i:s')]);
            $account->isCurrent = 1;
            $account->updateTime = date('Y-m-d H:i:s');
            $account->save();
            ShopClass::updateById($shopId, [
                'lklSjNo' => $account->merchantNo,
                'lklScanTermNo' => $account->scanTermNo,
                'lklB2BTermNo' => $account->b2bTermNo,
            ]);
            $transaction->commit();
        } catch (\Throwable $e) {
            $transaction->rollBack();
            throw $e;
        }
    }

    private static function submitSettlementChange($application, array $form)
    {
        self::validateSettlement($form['settlement'] ?? []);
        $account = LakalaAccountClass::getByCondition(['id' => $application->accountId, 'mainId' => $application->mainId], true);
        if (empty($account)) {
            util::fail('没有找到收款账户');
        }
        $client = new LakalaOnboardingClient();
        $request = [
            'org_code' => $client->orgCode(),
            'customer_no' => $account->customerNo,
            'customer_settle_update_dto' => self::settlementDto($form['settlement']),
        ];
        $response = $client->call('/api/v3/tkbs/open_merchant_update_settle_encry', $request, 'both');
        $application->formData = self::encode($form);
        $application->reviewRelatedId = $response['data']['review_related_id'] ?? '';
        $application->status = LakalaApplicationClass::STATUS_WAIT_AUDIT;
        $application->versionNo = ((int)$application->versionNo) + 1;
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        self::version($application, $request, $response);
        self::operation($application, $account->id, 'settlement_change', '', $request, $response, 'PASSING');
        return self::detail($application->id, $application->mainId, $application->shopId);
    }

    private static function refreshChange($application)
    {
        if (empty($application->reviewRelatedId)) {
            util::fail('变更申请尚未提交');
        }
        $client = new LakalaOnboardingClient();
        $response = $client->query('/api/v3/tkbs/customer_update_review', ['review_related_id' => $application->reviewRelatedId]);
        $review = $response['data']['review_pass'] ?? '';
        if ($review === 'PASS') {
            $application->status = LakalaApplicationClass::STATUS_APPROVED;
            $account = LakalaAccountClass::getById($application->accountId, true);
            if (!empty($account)) {
                $settlement = self::decode($application->formData)['settlement'] ?? [];
                $account->accountName = $settlement['accountName'] ?? $account->accountName;
                $account->accountNo = $settlement['accountNo'] ?? $account->accountNo;
                $account->bankName = $settlement['bankName'] ?? $account->bankName;
                $account->accountType = $settlement['accountType'] ?? $account->accountType;
                $account->updateTime = date('Y-m-d H:i:s');
                $account->save();
            }
        } elseif ($review === 'UNPASS') {
            $application->status = LakalaApplicationClass::STATUS_REJECT;
            $application->rejectReason = $response['data']['review_result'] ?? '变更审核驳回';
        } else {
            $application->status = LakalaApplicationClass::STATUS_WAIT_AUDIT;
        }
        $application->updateTime = date('Y-m-d H:i:s');
        $application->save();
        return self::detail($application->id, $application->mainId, $application->shopId);
    }

    private static function ensureTermOperations($application, $account, $client)
    {
        foreach (['B2B_SYT'] as $bizType) { // 'WECHAT_PAY' -- 专业化扫码已经有了，不需要额外创建
            $operation = LakalaOperationClass::getByCondition([
                'applicationId' => $application->id,
                'operationType' => 'add_term',
                'bizType' => $bizType,
                'status!=' => 'FAILED',
            ], true);
            if (!empty($operation)) {
                continue;
            }
            $request = [
                'merchant_no' => $account->merchantNo,
                'bz_pos' => $bizType,
                'term_num' => 1,
                'shop_id' => $account->shopNo,
                'org_code' => $client->orgCode(),
                'fees' => self::termFees(),
                'attachments' => [],
            ];
            try {
                $response = $client->call('/api/v3/tkbs/open_merchant_addTerm', $request, 'both');
                self::operation($application, $account->id, 'add_term', $bizType, $request, $response, 'PASSING');
            } catch (\Throwable $e) {
                self::operation($application, $account->id, 'add_term', $bizType, $request, [], 'FAILED', $e->getMessage());
            }
        }
    }

    private static function syncTerms($application, $account, $client)
    {
        $operations = LakalaOperationClass::getAllByCondition(
            ['applicationId' => $application->id, 'operationType' => 'add_term'],
            null,
            '*',
            null,
            true
        );
        foreach ($operations as $operation) {
            if (!empty($operation->reviewRelatedId) && !in_array($operation->status, ['PASS', 'FAILED'], true)) {
                $review = $client->query('/api/v3/tkbs/customer_update_review', ['review_related_id' => $operation->reviewRelatedId]);
                $operation->status = $review['data']['review_pass'] ?? $operation->status;
                $operation->responseData = self::encode($review);
                $operation->errorMessage = $review['data']['review_result'] ?? '';
                $operation->updateTime = date('Y-m-d H:i:s');
                $operation->save();
            }
        }
        try {
            $res = $client->query('/api/v3/tkbs/open_merchant_info', [
                'customer_no' => $account->customerNo ?: $application->customerNo,
                'merchant_no' => $account->merchantNo ?: $application->merchantNo,
            ], 'both');
            $merchantInfo = $res['data'];
            $customer = $merchantInfo['customer'];
            $terms = self::merchantInfoTermMap($merchantInfo);
            $merchantNo = $customer['merchant_no'] ?? '';
            if ($merchantNo !== '') {
                $application->merchantNo = $merchantNo;
                $account->merchantNo = $merchantNo;
            }
            $account->scanTermNo = $terms['scanTermNo'][0] ?? $account->scanTermNo;
            $account->b2bTermNo = $terms['b2BTermNo'][0] ?? $account->b2bTermNo;
            $account->updateTime = date('Y-m-d H:i:s');
            $account->save();
            $application->save();
            LakalaAccountClass::dispatchAuthorizeStatesRefresh([$account->id]);
        } catch (\Throwable $e) {
            Yii::warning('Unable to sync Lakala merchant info terms: ' . $e->getMessage());
        }
    }

    private static function upsertAccount($application, array $remote)
    {
        $account = LakalaAccountClass::getByCondition(['mainId' => $application->mainId, 'merchantNo' => $application->merchantNo], true);
        $form = self::decode($application->formData);
        $settlement = $form['settlement'] ?? [];
        $license = $form['license'] ?? [];
        $shopInfo = $remote['shop_info_list'][0] ?? [];
        $data = [
            'mainId' => $application->mainId,
            'shopId' => $application->shopId,
            'applicationId' => $application->id,
            'merchantNo' => $application->merchantNo,
            'customerNo' => $application->customerNo,
            'shopNo' => $shopInfo['shop_id'] ?? $application->shopNo,
            'accountName' => $settlement['accountName'] ?? '',
            'accountNo' => $settlement['accountNo'] ?? '',
            'bankName' => $settlement['bankName'] ?? '',
            'accountType' => $settlement['accountType'] ?? '58',
            'licenseName' => $license['licenseName'] ?? ($license['legalName'] ?? ''),
            'identityExpire' => $license['legalIdEnd'] ?? '',
            'wxAuthorizeState' => $account->wxAuthorizeState ?? 0,
            'zfbAuthorizeState' => $account->zfbAuthorizeState ?? 0,
            'status' => 'ACTIVE',
            'updateTime' => date('Y-m-d H:i:s'),
        ];
        if (empty($account)) {
            $data['createTime'] = date('Y-m-d H:i:s');
            return LakalaAccountClass::add($data, true);
        }
        foreach ($data as $key => $value) {
            $account->$key = $value;
        }
        $account->save();

        return $account;
    }

    private static function defaultForm($shop)
    {
        $merchantName = $shop->merchantName ?? ($shop->shopName ?? '');
        $mobile = $shop->mobile ?? ($shop->telephone ?? '');
        return [
            'mode' => 'create',
            'license' => [
                'merchantType' => 'TP_MERCHANT', 'licenseName' => '', 'licenseNo' => '',
                'licenseStart' => '', 'licenseEnd' => '9999-12-31', 'registeredAddress' => '',
                'businessContent' => '', 'legalName' => '', 'legalIdNo' => '',
                'legalIdStart' => '', 'legalIdEnd' => '9999-12-31', 'attachments' => [],
            ],
            'merchant' => [
                'businessName' => ($shop->city ?? '') . $merchantName,
                'provinceCode' => '', 'cityCode' => '', 'countyCode' => '',
                'provinceName' => $shop->province ?? '', 'cityName' => $shop->city ?? '',
                'countyName' => $shop->dist ?? '', 'address' => $shop->address ?? ($shop->fullAddress ?? ''),
                'contactName' => '石少华', 'contactMobile' => '15280215347', 'email' => '479439056@qq.com',
            ],
            'settlement' => [
                'accountType' => '58', 'isLegalPerson' => true, 'accountName' => '',
                'accountNo' => '', 'bankName' => '', 'bankNo' => '', 'clearingBankNo' => '',
                'provinceCode' => '', 'provinceName' => '', 'cityCode' => '', 'cityName' => '',
                'accountIdNo' => '', 'accountIdStart' => '', 'accountIdEnd' => '', 'attachments' => [],
            ],
            'shop' => [
                'name' => $merchantName, 'provinceCode' => '', 'cityCode' => '', 'countyCode' => '',
                'provinceName' => $shop->province ?? '', 'cityName' => $shop->city ?? '',
                'countyName' => $shop->dist ?? '', 'address' => $shop->address ?? ($shop->fullAddress ?? ''),
                'contactName' => '', 'contactMobile' => $mobile, 'longitude' => $shop->long ?? ($shop->shopLong ?? ''),
                'latitude' => $shop->lat ?? ($shop->shopLat ?? ''), 'attachments' => [],
            ],
            'business' => ['signMobile' => $mobile ?: '15280215347', 'rate' => self::RATE, 'settleType' => 'D1', 'settlementType' => 'AUTOMATIC'],
        ];
    }

    /**
     * 商户请求数据构建
     * 请参照拉卡拉"新增商户进件"接口文档进行核实参数
     * @param array $form
     * @param string $contractNo
     * @param LakalaOnboardingClient $client
     * @return array
     */
    private static function merchantRequest(array $form, $contractNo, $client)
    {
        $l = $form['license'];  //营业执照信息
        $m = $form['merchant']; //商家信息
        $s = $form['settlement']; //收款银行卡信息
        $shop = $form['shop']; //门店信息（带有门店图片信息）
        $fees = self::merchantFees();

        return [
            'org_code' => $client->orgCode(),
            'user_no' => $client->userNo(),
            'email' => $m['email'],
            'busi_code' => 'WECHAT_PAY',
            'mer_reg_name' => $m['businessName'],
            'mer_type' => $l['merchantType'],
            'mer_name' => $m['businessName'],
            'mer_addr' => $m['address'],
            'province_code' => $m['provinceCode'],
            'city_code' => $m['cityCode'],
            'county_code' => $m['countyCode'],
            'license_name' => $l['licenseName'],
            'license_no' => $l['licenseNo'],
            'license_dt_start' => $l['licenseStart'],
            'license_dt_end' => $l['licenseEnd'],
            'latitude' => $shop['longitude'],
            'longtude' => $shop['latitude'],
            'source' => 'APP',
            'business_content' => $l['businessContent'],
            'is_legal_person' => (bool)$s['isLegalPerson'],
            'lar_name' => $l['legalName'], 'lar_id_type' => '01', 'lar_id_card' => $l['legalIdNo'],
            'lar_id_card_start' => $l['legalIdStart'], 'lar_id_card_end' => $l['legalIdEnd'],
            'contact_mobile' => $shop['contactMobile'] != '' ? $shop['contactMobile'] : $m['contactMobile'],
            'contact_name' => $l['legalName'] != '' ? $l['legalName'] : ($shop['contactName'] ?? $m['contactName']),
            'openning_bank_code' => $s['bankNo'],
            'openning_bank_name' => $s['bankName'],
            'clearing_bank_code' => $s['clearingBankNo'], 'settle_province_code' => $s['provinceCode'],
            'settle_province_name' => $s['provinceName'], 'settle_city_code' => $s['cityCode'],
            'settle_city_name' => $s['cityName'], 'account_no' => $s['accountNo'], 'account_name' => $s['accountName'],
            'account_type' => $s['accountType'], 'account_id_card' => $s['accountIdNo'] ?: $l['legalIdNo'],
            'account_id_dt_start' => $s['accountIdStart'] ?: $l['legalIdStart'],
            'account_id_dt_end' => $s['accountIdEnd'] ?: $l['legalIdEnd'],
            'settle_type' => 'D1', 'settlement_type' => 'AUTOMATIC', 'contract_no' => $contractNo,
            'biz_content' => ['term_num' => '1', 'mcc' => self::MCC, 'activity_id' => self::activityId(), 'fees' => $fees], //业务拓展信息 -- 会创建终端（此处创建：专业化扫码）
            'attchments' => self::attachments($form),
        ];
    }

    private static function contractRequest(array $form, $orderNo, $orgCode)
    {
        $l = $form['license'];
        $m = $form['merchant'];
        $s = $form['settlement'];
        $shop = $form['shop'];
        $b = $form['business'];
        $content = [];

        foreach (['A' => 130, 'B' => 58, 'C' => 56, 'D' => 17, 'E' => 79] as $prefix => $max) {
            for ($i = 1; $i <= $max; $i++) {
                $content[$prefix . $i] = '/';
            }
        }
        $content = array_merge($content, [
            'A1' => $l['licenseName'] ?: $l['legalName'], 'A2' => '是', 'A6' => '是',
            'A7' => '0.50', 'A8' => '20', 'A9' => '是', 'A10' => '0.60',
            'A11' => '是', 'A12' => self::RATE, 'A13' => '是', 'A14' => self::RATE,
            'A15' => '0.60', 'A34' => self::RATE, 'A35' => self::RATE,
            'A63' => '是', 'A64' => self::RATE, 'A65' => '是', 'A66' => self::RATE,
            'A116' => '自动结算',
            'A117' => '是',
            'A121' => ($shop['provinceName'] ?? '') . ($shop['cityName'] ?? ''),
            'A124' => date('Y'), 'A125' => date('m'), 'A126' => date('d'), // 甲方签约 年/月/日
            'A127' => date('Y'), 'A128' => date('m'), 'A129' => date('d'), // 乙方签约 年/月/日
            'A130' => $l['legalName'] ?: $m['contactName'], // 甲方电子签名/签字/盖章
            // ===== B 系列：商户注册登记 / 基本信息 / 结算账户 / 法人联系人 / 终端 / 拓展 =====
            'B1' => date('Y'), 'B2' => date('m'), // 商户注册登记表 年/月
            'B3' => '是',
            'B8' => $l['licenseName'], // 基本信息：工商注册名称（中英文）
            'B10' => $m['businessName'], // 基本信息：对外经营名称（中英文）
            'B13' => ($m['provinceName'] ?? '') . ($m['cityName'] ?? ''), 'B14' => $l['licenseNo'] ?: '/',
            'B18' => $l['legalName'],
            'B19' => $s['bankName'],
            'B20' => $s['accountNo'],
            'B24' => $s['accountName'],
            'B25' => $l['legalIdNo'], 'B26' => $b['signMobile'],
            'B27' => $l['legalName'],
            'B28' => $m['email'],
            'B29' => $l['legalIdNo'],// 联系人证件号码
            'B30' => $b['signMobile'],// 联系人手机号
            'B31' => $l['licenseName'] ?: $l['legalName'],
            'B32' => $l['legalName'],// 网点联系人姓名
            'B33' => $m['address'],
            'B34' => $m['contactMobile'],
            // ===== D 系列：各类授权书 =====
            'D1' => $s['bankName'],// 授权书（银行）：结算账户所属银行
            'D2' => $l['legalName'] ?: $m['contactName'],// 授权书（银行）：授权承诺方签字
            'D3' => date('Y/m/d'),// 授权书（银行）：签章/签字日期
            'D4' => $l['legalName'] ?: $m['contactName'],// 授权书（开通微信、支付宝收单）：承诺授权方签名
            'D5' => date('Y/m/d'),// 授权书（开通微信、支付宝收单）：盖章/签字日期
            // ===== E 系列：分银行费率明细（费率一致则不填，统一占位 "/"）=====
            'E78' => $l['legalName'] ?: $m['contactName'],// 电子签约服务授权委托书：承诺授权方签名
            'E79' => $l['legalName'] ?: $m['contactName'],// 电子签约服务授权委托书：承诺签名或盖章
        ]);
        return [
            'order_no' => $orderNo, 'org_id' => (int)$orgCode, 'ec_type_code' => 'EC015',
            'cert_type' => 'RESIDENT_ID', 'cert_name' => $l['legalName'], 'cert_no' => $l['legalIdNo'],
            'mobile' => $b['signMobile'], 'business_license_no' => $l['licenseNo'],
            'business_license_name' => $l['licenseName'], 'openning_bank_code' => $s['bankNo'],
            'openning_bank_name' => $s['bankName'], 'acct_type_code' => $s['accountType'],
            'acct_no' => $s['accountNo'], 'acct_name' => $s['accountName'],
            'ec_content_parameters' => self::encode($content), 'remark' => '销花宝商户入网',
        ];
    }

    private static function settlementDto(array $s)
    {
        return [
            'account_kind' => $s['accountType'], 'is_legal_person' => (bool)$s['isLegalPerson'],
            'account_name' => $s['accountName'], 'identity_no' => $s['accountIdNo'],
            'account_no' => $s['accountNo'], 'bank_no' => $s['bankNo'], 'bank_name' => $s['bankName'],
            'clearing_bank_no' => $s['clearingBankNo'], 'settle_province_code' => $s['provinceCode'],
            'settle_province_name' => $s['provinceName'], 'settle_city_code' => $s['cityCode'],
            'settle_city_name' => $s['cityName'], 'attachments' => self::attachmentDtos($s['attachments'] ?? []),
        ];
    }

    private static function merchantFees()
    {
        return [
            ['fee_code' => 'WECHAT', 'fee_value' => self::RATE], //微信
            ['fee_code' => 'ALIPAY', 'fee_value' => self::RATE], //支付宝
            //['fee_code' => 'SCAN_PAY', 'fee_value' => self::RATE], //未知项
            ['fee_code' => 'DEBIT_CARD', 'fee_value' => '0.50', 'top_fee' => '20'], //借记卡费率
            ['fee_code' => 'CREDIT_CARD', 'fee_value' => '0.60'], //贷记卡费率
            ['fee_code' => 'UNIONPAY_WALLET_DEBIT_FEE', 'fee_value' => self::RATE, 'top_fee' => '20'], //银联二维码借记卡
            ['fee_code' => 'UNIONPAY_WALLET_CREDIT_FEE', 'fee_value' => '0.60'], //银联二维码贷记卡
        ];
    }

    private static function activityId()
    {
        return (string)(Yii::$app->params['lakalaOnboarding']['activity_id'] ?? getenv('LAKALA_ONBOARDING_ACTIVITY_ID') ?: self::ACTIVITY_ID);
    }

    private static function termFees()
    {
        return [
            ['fee' => 0.33, 'fee_type' => 'WECHAT'],
            ['fee' => 0.33, 'fee_type' => 'ALIPAY'],
            ['fee' => 0.5, 'top_fee' => 20, 'fee_type' => 'DEBIT_CARD'],
            ['fee' => 0.6, 'fee_type' => 'CREDIT_CARD'],
        ];
    }

    private static function attachments(array $form)
    {
        $all = [];
        foreach (['license', 'settlement', 'shop'] as $section) {
            $all = array_merge($all, self::attachmentDtos($form[$section]['attachments'] ?? [], true));
        }
        return $all;
    }

    private static function attachmentDtos(array $attachments, $merchantShape = false)
    {
        $result = [];
        foreach ($attachments as $attachment) {
            $lakalaUrl = self::attachmentLakalaUrl($attachment);
            if ($lakalaUrl === '' || empty($attachment['imgType'])) {
                continue;
            }
            $result[] = $merchantShape
                ? ['id' => $lakalaUrl, 'type' => $attachment['imgType']]
                : ['img_path' => $lakalaUrl, 'img_type' => $attachment['imgType']];
        }
        return $result;
    }

    private static function attachmentLakalaUrl(array $attachment)
    {
        return trim((string)($attachment['lakalaUrl'] ?? ($attachment['url'] ?? '')));
    }

    private static function validateContract(array $form)
    {
        self::validateOnboarding($form, false);
        if (empty($form['business']['signMobile'])) {
            util::fail('请填写签约手机号');
        }
    }

    private static function validateOnboarding(array $form, $includeShop = true)
    {
        $l = $form['license'] ?? []; $m = $form['merchant'] ?? []; $s = $form['settlement'] ?? []; $shop = $form['shop'] ?? [];
        $items = ['merchantType', 'legalName', 'legalIdNo', 'legalIdStart', 'legalIdEnd', 'businessContent'];
        if ($l['merchantType'] === 'TP_PERSONAL') {
            unset($items[5]);
        }
        foreach ($items as $key) {
            if (empty($l[$key])) util::fail('执照信息未填写完整');
        }
        self::requireAttachments($l['attachments'] ?? [], ['ID_CARD_FRONT', 'ID_CARD_BEHIND'], '请上传法人身份证正反面');
        if (($l['merchantType'] ?? '') === 'TP_MERCHANT' && (empty($l['licenseName']) || empty($l['licenseNo']))) {
            util::fail('企业商户请填写营业执照信息');
        }
        if (($l['merchantType'] ?? '') === 'TP_MERCHANT') {
            self::requireAttachments($l['attachments'] ?? [], ['BUSINESS_LICENCE'], '请上传营业执照');
        }
        foreach (['businessName', 'provinceCode', 'cityCode', 'countyCode', 'address'] as $key) {
            if (empty($m[$key])) util::fail('商户信息未填写完整');
        }
        self::validateSettlement($s);
        if ($includeShop) {
            foreach (['name', 'address', 'contactName', 'contactMobile', 'longitude', 'latitude'] as $key) {
                if (empty($shop[$key])) util::fail('门店信息未填写完整');
            }
            self::requireAttachments($shop['attachments'] ?? [], ['SHOP_OUTSIDE_IMG', 'SHOP_INSIDE_IMG', 'CHECKSTAND_IMG'], '请上传完整门店照片');
        }
    }

    private static function validateSettlement(array $s)
    {
        foreach (['accountType', 'accountName', 'accountNo', 'bankName', 'bankNo', 'clearingBankNo', 'provinceCode', 'cityCode'] as $key) {
            if (empty($s[$key])) util::fail('结算信息未填写完整');
        }
        if (($s['accountType'] ?? '58') === '57') {
            self::requireAttachments($s['attachments'] ?? [], ['OPENING_PERMIT'], '请上传开户许可证');
        } else {
            self::requireAttachments($s['attachments'] ?? [], ['BANK_CARD'], '请上传银行卡照片');
            if (empty($s['isLegalPerson'])) {
                self::requireAttachments($s['attachments'] ?? [], ['ID_CARD_FRONT', 'ID_CARD_BEHIND', 'LETTER_OF_AUTHORIZATION'], '请上传结算人证件与法人授权函');
            }
        }
    }

    private static function requireAttachments(array $attachments, array $types, $message)
    {
        $present = array_column($attachments, 'imgType');
        foreach ($types as $type) {
            if (!in_array($type, $present, true)) {
                util::fail($message);
            }
            $matched = array_values(array_filter($attachments, function ($attachment) use ($type) {
                return ($attachment['imgType'] ?? '') === $type && self::attachmentLakalaUrl($attachment) !== '';
            }));
            if (empty($matched)) {
                util::fail($message);
            }
        }
    }

    private static function version($application, array $request, array $response)
    {
        LakalaApplicationVersionClass::add([
            'applicationId' => $application->id, 'mainId' => $application->mainId,
            'versionNo' => $application->versionNo, 'type' => $application->type,
            'formData' => $application->formData, 'requestData' => self::encode($request),
            'responseData' => self::encode($response), 'createTime' => date('Y-m-d H:i:s'),
        ]);
    }

    private static function operation($application, $accountId, $type, $bizType, array $request, array $response, $status, $error = '')
    {
        return LakalaOperationClass::add([
            'applicationId' => $application->id,
            'accountId' => $accountId,
            'mainId' => $application->mainId,
            'operationType' => $type,
            'bizType' => $bizType,
            'status' => $status,
            'reviewRelatedId' => $response['data']['review_related_id'] ?? '',
            'requestData' => self::encode($request),
            'responseData' => self::encode($response),
            'errorMessage' => mb_substr($error, 0, 500),
            'createTime' => date('Y-m-d H:i:s'),
            'updateTime' => date('Y-m-d H:i:s'),
        ], true);
    }

    private static function application($id, $mainId, $shopId, $object = false)
    {
        $application = LakalaApplicationClass::getByCondition(['id' => $id, 'mainId' => $mainId, 'shopId' => $shopId], $object);
        if (empty($application)) {
            util::fail('没有找到进件申请');
        }
        return $application;
    }

    private static function merchantInfoTermMap($value)
    {
        $result = [];
        $terminalInfos = $value['terminal_info'] ?? [];
        foreach ($terminalInfos as $term) {
            if (($term['term_type_name'] ?? '') == '专业化扫码') {
                $result['scanTermNo'][] = $term['active_no_vo_list'][0]['term_no'] ?? '';
            }
            if (($term['term_type_name'] ?? '') == '聚合收银台') {
                $list = $term['active_no_vo_list'] ?? [];
                foreach ($list as $item) {
                    if (($item['busi_type_code'] ?? '') == 'QR_CODE_CARD') {
                        $result['b2BTermNo'][] = $item['term_no'] ?? '';
                    }
                }
            }
        }
        return $result;
    }

    private static function imageExtension($mime)
    {
        $map = [
            'image/jpeg' => 'jpg',
            'image/png' => 'png',
            'image/gif' => 'gif',
            'image/webp' => 'webp',
        ];
        return $map[$mime] ?? 'png';
    }

    private static function encode($value)
    {
        return json_encode($value, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
    }

    private static function decode($value)
    {
        if (is_array($value)) return $value;
        $decoded = json_decode((string)$value, true);
        return is_array($decoded) ? $decoded : [];
    }

    private static function formatFormImages(array $form)
    {
        return self::formatOssPathFields($form);
    }

    private static function formatOssPathFields(array $data)
    {
        foreach ($data as $key => $value) {
            if (is_array($value)) {
                $data[$key] = self::formatOssPathFields($value);
                continue;
            }
            if ($key === 'ossPath' && is_string($value) && $value !== '') {
                $data[$key] = self::formatOssPath($value);
            }
        }
        return $data;
    }

    private static function formatOssPath($path)
    {
        if (strpos($path, 'http://') === 0 || strpos($path, 'https://') === 0) {
            return $path;
        }
        return imgUtil::groupImg($path);
    }
}