有没有专做于投融资的网站,无锡百度推广公司哪家好,个人简历word可编辑,想建网站做优化一、项目背景
随着科技的快速发展和互联网的普及#xff0c;人们的生活方式发生了翻天覆地的变化。特别是在支付领域#xff0c;传统的现金支付方式逐渐被电子支付所取代。支付宝和微信作为中国两大移动支付巨头#xff0c;凭借其便捷、高效的特点#xff0c;深受用户的喜…一、项目背景
随着科技的快速发展和互联网的普及人们的生活方式发生了翻天覆地的变化。特别是在支付领域传统的现金支付方式逐渐被电子支付所取代。支付宝和微信作为中国两大移动支付巨头凭借其便捷、高效的特点深受用户的喜爱。然而传统的租赁业务往往伴随着押金的问题这不仅增加了用户的经济负担也影响了租赁业务的效率。因此支付宝和微信纷纷推出了免押系统旨在通过技术创新优化租赁流程提升用户体验。
二、项目功能结构
支付宝和微信的免押系统采用了先进的信用评估技术通过用户的支付行为、社交关系、履约记录等多维度数据构建出用户的信用画像。基于这一画像系统能够判断用户的信用等级从而决定是否为其提供免押服务。
在功能结构上免押系统主要分为以下几个模块 信用评估模块该模块负责收集和分析用户数据生成信用评分。通过机器学习和大数据分析技术系统能够实时更新用户的信用状态确保评估结果的准确性和时效性。 免押服务申请模块用户在使用租赁服务时可以通过支付宝或微信平台提交免押申请。系统会根据用户的信用评分自动判断是否批准其申请。 风险监控模块该模块负责对免押服务进行实时监控一旦发现异常行为或风险事件系统会立即采取措施保障租赁双方的权益。 数据报告与分析模块系统定期生成免押服务的数据报告帮助运营者了解服务的使用情况、用户反馈等信息为优化服务提供依据。
三、项目用途
支付宝和微信的免押系统具有广泛的用途主要体现在以下几个方面 优化租赁流程通过免押系统用户可以更加便捷地获取租赁服务无需再为押金问题而烦恼。同时租赁方也能减少押金管理的工作量提高业务效率。 提升用户体验免押服务降低了用户的经济负担增强了用户对支付宝和微信平台的信任感和满意度。这种优质的用户体验有助于吸引更多用户进一步提升平台的竞争力。 推动信用体系建设免押系统以信用评估为基础通过实际应用推动社会信用体系的完善。随着越来越多的人和机构参与到信用体系中来社会的整体信用水平将得到提升。
四、项目前景
支付宝和微信的免押系统作为移动支付领域的一大创新具有广阔的发展前景。随着技术的不断进步和数据的不断积累免押系统的信用评估能力将越来越强服务范围也将不断扩大。未来免押系统有望覆盖更多领域如共享单车、共享汽车、房屋租赁等为更多用户提供便捷、高效的免押服务。
同时随着社会信用体系的不断完善免押服务将成为社会信任的重要体现。通过免押服务人们可以更加便捷地获取各种资源和服务推动社会的和谐发展。 package cn.eangaie.appcloud.controller;import cn.eangaie.appcloud.entity.*;
import cn.eangaie.appcloud.service.*;
import cn.eangaie.appcloud.util.*;
import com.alipay.api.AlipayApiException;
import com.alipay.api.response.AlipayMerchantItemFileUploadResponse;
import com.alipay.api.response.AlipayTradeCreateResponse;
import com.alipay.api.response.AlipayTradeQueryResponse;
import com.baomidou.mybatisplus.mapper.EntityWrapper;
import io.swagger.annotations.Api;
import io.swagger.annotations.ApiOperation;
import lombok.extern.slf4j.Slf4j;
import org.apache.commons.lang3.StringUtils;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.beans.factory.annotation.Value;
import org.springframework.lang.Nullable;
import org.springframework.web.bind.annotation.GetMapping;
import org.springframework.web.bind.annotation.PostMapping;
import org.springframework.web.bind.annotation.RequestMapping;
import org.springframework.web.bind.annotation.RestController;import java.math.BigDecimal;
import java.util.HashMap;
import java.util.List;
import java.util.Map;/*** author Ean* version 0.1.0* Description* create 2020-08-21 15:02* since 0.1.0**/
RestController
Api(tags 支付宝支付相关控制处理器)
RequestMapping(my/)
Slf4j
public class MyPayController {finalMyService myService;finalOrderService orderService;finalTradeRecService tradeRecService;Value(${my.notify.freeze_notify_url})private String freezeNotifyUrl;Value(${my.notify.stagePayUrl})private String stagePayUrl;Value(${my.notify.firstStagePayUrl})private String firstStagePayUrl;Value(${my.notify.buyoutNotify})private String buyoutNotify;Value(${my.notify.MerchantApplyNotify})private String MerchantApplyNotify;Value(${my.notify.kprenNotify})private String kprenNotify;finalStageBillService stageBillService;finalOrderbackService orderbackService;AutowiredPayMapService payMapService;AutowiredMerchantApplayService merchantApplayService;AutowiredDistLineService distLineService;AutowiredMessageUtil messageUtil;AutowiredExtraService extraService;AutowiredOrderTemplate orderTemplate;AutowiredDeductionRecordService deductionRecordService;AutowiredAttrService attrService;AutowiredCommissionService commissionService;public MyPayController(MyService myService, OrderService orderService, TradeRecService tradeRecService, OrderbackService orderbackService, StageBillService stageBillService) {this.myService myService;this.orderService orderService;this.tradeRecService tradeRecService;this.orderbackService orderbackService;this.stageBillService stageBillService;}/*** return cn.eangaie.appcloud.entity.Result* Author Ean* Description 冻结查询接口成功返回code0。失败-1* Date 17:07 2021/7/3 0003* Param [orderNo, orderRequestNo]**/ApiOperation(冻结查询接口成功返回code0。失败-1)PostMapping(freezeQuery)public Result freezeQuery(String orderNo, String orderRequestNo) {try {String res myService.queryRes(orderNo, orderRequestNo);if (null ! res) {return ResultUtil.success();}} catch (AlipayApiException e) {e.printStackTrace();}return ResultUtil.error(-1, 冻结失败);}/*** return cn.eangaie.appcloud.entity.Result* Author Ean* Description 在用--首期扣款接口。首期金额由前端计算。采用支付宝支付的方式。有对应的回调接口处理后续操作。* Date 9:44 2021/6/23 0023* Param [orderId]**/ApiOperation(第一期支付,原先的接口是从预授权里边扣除,现在改成了使用支付宝支付的方式)PostMapping(firstTradeV2)public Result firstTradeV2(String orderId) {if (StringUtils.isNotBlank(orderId) StringUtils.isNotEmpty(orderId)) {Order order orderService.selectById(orderId);if (null ! order) {String tradeNo CommonUtil.getNo();String title 首期账单, desc 首期账单记录, note ;int periods 1;StageBill stageBill stageBillService.initBillOrUpdate(title, desc, note, order.getOrderId(), order.getOrderNo(), order.getOrderRequestNo(), order.getOrderAuthNo(), order.getUserId(), order.getOrderDeposit(), order.getOrderDeposit(), order.getOrderFirstAmount() Integer.valueOf(order.getGoodExpenses()), periods, tradeNo);log.info([ order.getOrderNo() ]创建首期订单[ stageBill.toString() ]);int firstAmount order.getOrderFirstAmount();log.info(订单 order.getOrderNo() 执行首期扣款。本次扣款交易号 tradeNo ---本次扣款金额 firstAmount );if (firstAmount 0) {return ResultUtil.error(-1, 订单非分期订单或首期扣款费用不允许为0);}String HbFqNum null;if (null ! order.getHbFqNum()) {HbFqNum order.getHbFqNum();}String HbFqSellerPercent null;if (null ! order.getHbFqSellerPercent()) {HbFqSellerPercent order.getHbFqSellerPercent();}String res myService.myPay(stageBill.getStageBillAmout(), order.getUserUuid(), 首期租金支付, tradeNo, firstStagePayUrl, HbFqNum, HbFqSellerPercent).getTradeNo();return ResultUtil.success(res);}return ResultUtil.error(-1, 订单不允许为空);}return ResultUtil.error(-1, 订单id不允许为空);}ApiOperation(订单扣除金额成功则会创建扣除记录并更新订单剩余押金字段)PostMapping(orderDudect)public Result orderDudect(int orderId, int amount) {Order order orderService.selectById(orderId);if (null ! order) {String outTradeNo CommonUtil.getNo();try {String res myService.tradepay(outTradeNo, order.getOrderAuthNo(), amount, order.getUserUuid(), 后台手动扣除, null, );if (null res) {throw new AlipayApiException();} else {log.info(订单[ order.getOrderNo() ]发起扣款本次扣款编号[ outTradeNo ],本次扣款金额[ BigDecimal.valueOf(amount).divide(BigDecimal.valueOf(100)).setScale(2).doubleValue() ]);order.setOrderRestDeposit(order.getOrderRestDeposit() - amount);order.setOrderFinalpay(order.getOrderFinalpay() amount);orderService.updateById(order);tradeRecService.insertRec(outTradeNo, order.getOrderNo(), amount, 后台手动扣除, 1);Long curr System.currentTimeMillis();merchantApplayService.addMarchantIncome(order.getMerchantUserId(), amount, order, 扣除押金费用);
// merchantApplayService.addMerchantBalance(order.getMerchantUserId(),amount);distLineService.insertRec(order.getOrderId(), order.getUserId(), amount, String.valueOf(curr));return ResultUtil.success(扣款成功);}} catch (AlipayApiException e) {e.printStackTrace();deductionRecordService.createItem(order.getOrderNo(), outTradeNo, null, amount, order.getMerchantUserId());myService.closeOrder(outTradeNo);
// log.error(订单[ order.getOrderNo() ] 扣款解冻失败 本次扣款[ BigDecimal.valueOf(amount).divide(BigDecimal.valueOf(100)).setScale(2) ]分);return ResultUtil.error(-1, 退款异常请联系管理员);}}return ResultUtil.error(-1, 订单不存在);}ApiOperation(取消订单并解冻退款,订单只扣除第一期的情况下才允许调用。该接口之后退款第一期并解冻押金然后将订单变为已取消的状态)PostMapping(orderCancleAndRefu)public Result orderCancleAndRefu(int orderId) {Order order orderService.selectById(orderId);String res myService.orderCancleAndRefu(orderId);if (ok.equals(res)) {MapString, String resMap new HashMap();resMap.put(商品名称, order.getGoodTitle());messageUtil.sendKuaiDi100Msg(order.getUserTel(), resMap, 7075);/*订单中心同步状态*/try {myService.alipayMerchantOrderSync(orderTemplate.ClOSED(order));} catch (Exception e) {e.printStackTrace();}/*退款增加Attr库存*/String[] arr CommonUtil.strToArr(order.getAttrIdList());if (arr.length 0) {ListAttr attrList attrService.selectList(new EntityWrapperAttr().in(attr_id, arr));if (attrList.size() 0) {int i 0;int num order.getAttrNum();for (Attr attr : attrList) {attr attr.selectById();order.setAttrIdList(attr.getAttrId() ,);attr.setAttrNum(attr.getAttrNum() num);attrList.set(i, attr);}attrService.updateAllColumnBatchById(attrList);}}ListCommission commissionList commissionService.selectList(new EntityWrapperCommission().eq(order_no, order.getOrderNo()));if (commissionList.size() 0) {int i 0;for (Commission commission : commissionList) {commission commission.selectById();commission.setStatus(2);commissionList.set(i, commission);}commissionService.updateAllColumnBatchById(commissionList);}return ResultUtil.success();}return ResultUtil.error(-1, res);}ApiOperation(前端取消支付订单租金 解冻订单)PostMapping(cancelOrderAndRefund)public Result cancelOrderAndRefund(int orderId) {Order order orderService.selectById(orderId);String res myService.orderCancleAndRefu(orderId);if (ok.equals(res)) {try {myService.alipayMerchantOrderSync(orderTemplate.ClOSED(order));} catch (Exception e) {e.printStackTrace();}return ResultUtil.success();}return ResultUtil.error(-1, res);}ApiOperation(归还解冻。如果逾期会自动扣除违约金并新增扣款记录)PostMapping(refuAndUnfreeze)public Result refuAndUnfreeze(int orderId) {Order order orderService.selectById(orderId);Long end null;Long curr null;Long t null;if (order.getStatus() 9) {if (null ! order.getOrderEnd() null ! order.getOrderBackTime()) {//租赁中买断没有时间curr order.getOrderBackTime();//使用归还时间字段计算逾期金额end order.getOrderEnd();t curr - end;} else {t 0L;}} else {end order.getOrderEnd();curr TimeUtil.getToDayStemp();//获取今天凌晨的时间戳t curr - end;}long t1 24 * 60 * 60 * 1000L;int day (int) (t / t1);if ((order.getStatus() 5 || order.getStatus() 9) t 0 t t1) {//逾期if (day 30) {//超出30天。禁用用户的平台免押权限orderService.banUserExemptPermission(order);}
// int amount order.getAttrAmount() * day * order.getAttrNum();int amount order.getPenalAmount() * day;if (amount order.getOrderRestDeposit()) {amount order.getOrderRestDeposit();}String outTradeNo CommonUtil.getNo();try {Integer resAmount new BigDecimal(myService.queryRes(order.getOrderNo(), order.getOrderRequestNo())).multiply(BigDecimal.valueOf(100)).intValue();if (amount resAmount) {amount resAmount;}if (amount 0) {orderService.resetOrderUserExepmtStatus(order);order.setOrderBeamo(amount);order.setStatus(7);order.updateById();/*订单中心同步状态*/try {myService.alipayMerchantOrderSync(orderTemplate.EXERCISED(order));} catch (Exception e) {e.printStackTrace();}return ResultUtil.success(解冻成功);} else {String res myService.tradepay(outTradeNo, order.getOrderAuthNo(), amount, order.getUserUuid(), 扣除违约金并解冻, complete, null);if (null ! res) {order.setOrderRestDeposit(0);order.setOrderFinalpay(order.getOrderFinalpay() amount);order.setOrderBeamo(order.getOrderBeamo()amount);order.setStatus(7);order.updateById();orderService.resetOrderUserExepmtStatus(order);tradeRecService.insertRec(outTradeNo, order.getOrderNo(), amount, 扣除违约金, 1);
// merchantBack(order, amount);/*订单中心同步状态*/try {myService.alipayMerchantOrderSync(orderTemplate.RETURN_OVERDUE(order));} catch (Exception e) {e.printStackTrace();}/*抽佣*/merchantApplayService.addMarchantIncome(order.getMerchantUserId(), amount, order, 扣除逾期费用);return ResultUtil.success(解冻成功);} else {throw new AlipayApiException();}}} catch (AlipayApiException e) {e.printStackTrace();deductionRecordService.createItem(order.getOrderNo(), outTradeNo, null, amount, order.getMerchantUserId());
// myService.closeOrder(outTradeNo);
// log.error(订单[ order.getOrderNo() ] 扣款解冻失败 本次扣款[ BigDecimal.valueOf(amount).divide(BigDecimal.valueOf(100)).setScale(2) ]分);return ResultUtil.error(-1, 金额超出或信息异常请联系管理员查看订单情况);}}if (order.getStatus() 9) {try {String outTradeNo CommonUtil.getRamdonNo();Integer resAmount new BigDecimal(myService.queryResAuth(order.getOrderNo(), order.getOrderRequestNo(),order.getOrderAuthNo())).multiply(BigDecimal.valueOf(100)).intValue();if (0 ! resAmount) {String res myService.unfreeze(outTradeNo, order.getOrderAuthNo(), resAmount, 解冻剩余押金);if (null ! res) {orderService.resetOrderUserExepmtStatus(order);order.setOrderRestDeposit(0);order.setStatus(7);order.updateById();/*订单中心同步状态*/try {myService.alipayMerchantOrderSync(orderTemplate.EXERCISED(order));} catch (Exception e) {e.printStackTrace();}return ResultUtil.success(解冻成功);}} else {order.setOrderRestDeposit(0);order.setStatus(7);order.updateById();orderService.resetOrderUserExepmtStatus(order);/*订单中心同步状态*/try {myService.alipayMerchantOrderSync(orderTemplate.EXERCISED(order));} catch (Exception e) {e.printStackTrace();}return ResultUtil.success(解冻成功);}} catch (AlipayApiException e) {e.printStackTrace();log.error(订单[ order.getOrderNo() ]解冻失败);return ResultUtil.error(-1, 解冻失败);}}return ResultUtil.error(-1, 订单不存在);}private void merchantBack(Order order, int amount) {Integer merchantUserId order.getMerchantUserId();User user null;if (null ! merchantUserId -1 ! merchantUserId) {user new User().selectById(merchantUserId);}/*订单创建不需要添加分销记录直接在订单变成租赁中的时候才添加进分销队列*/if (null ! user) {user.setUserBalance(user.getUserBalance() amount);user.setUserTotalBalance(user.getUserTotalBalance() amount);user.updateById();}}/*** return cn.eangaie.appcloud.entity.Result* Author Ean* Description* Date 11:01 2021/4/29 0029* Param [orderId]**/ApiOperation(订单冻结接口)PostMapping(orderFreezeDeposit)public Result orderFreezeDeposit(int orderId) {Order order orderService.selectById(orderId);
// int firstAmount order.getOrderFirstAmount();if (null order) {return ResultUtil.error(-1, 订单不存在);}String res null;try {String category order.getZmCategory();if (null category) {category RENT_DIGITAL;}res myService.freeze(order.getOrderNo(), order.getOrderRequestNo(), order.getOrderDeposit(), freezeNotifyUrl, category);} catch (AlipayApiException e) {e.printStackTrace();return ResultUtil.error(-1, 获取冻结字符串失败);}if (null res) {return ResultUtil.error(-1, 获取冻结字符串失败);}return ResultUtil.success(res, 返回的预授权额度是押金首期租金(orderFirstAmount));}ApiOperation(支付宝直接支付接口,sub是订单标题比如: 押金支付 type1-直接买断 type2-租赁中买断 type3-商户申请买断)PostMapping(myPay)public Result myPay(int amount, String uuid, String sub, String outTradeNo, Nullable Integer type, Nullable Integer buyoutOrderId) {Map map new HashMap();String stagePayUrl null;if (null ! type) {if (null ! type (type 1 || type 2)) {stagePayUrl buyoutNotify;map.put(buyoutOrderId, buyoutOrderId);map.put(type, type);map.put(amount, amount);map.put(outTradeNo, outTradeNo);}if (type 3) {stagePayUrl MerchantApplyNotify;}if (type 4) {stagePayUrl kprenNotify;}}AlipayTradeCreateResponse response myService.myPay(amount, uuid, sub, outTradeNo, stagePayUrl, null, null);if (null response) {return ResultUtil.error(-1, 支付调用失败);}String res response.getTradeNo();payMapService.create(response.getOutTradeNo(), map);return ResultUtil.success(res);}/*** return cn.eangaie.appcloud.entity.Result* Author Ean* Description 分期账单前端主动支付调用的接口, 新增了回调链接, 后端来更新账单状态* Date 15:22 2021/4/29 0029* Param [amount, uuid, sub, outTradeNo:分期账单的账单编号]**/ApiOperation(分期账单前端主动支付调用的接口)PostMapping(stageBillPay)public Result stageBillPay(int amount, String uuid, String sub, String outTradeNo) {StageBill stageBill stageBillService.selectOne(new EntityWrapper().eq(stage_bill_no, outTradeNo));stageBill.setStageBillNo(CommonUtil.getNo());stageBill.updateById();AlipayTradeCreateResponse res myService.myPay(amount, uuid, sub, stageBill.getStageBillNo(), stagePayUrl, null, null);if (null res) {return ResultUtil.error(-1, 支付调用失败);}return ResultUtil.success(res.getTradeNo());}ApiOperation(同步交易记录,1-履约 2-违约)GetMapping(syncTradeRec)public Result syncTradeRec(int tradeRecId, int syncType) {TradeRec tradeRec tradeRecService.selectById(tradeRecId);if (null ! tradeRec) {String reqNo CommonUtil.getNo();try {String status syncType 1 ? COMPLETE : VIOLATED;String info {\status\:\ status \};myService.sync(tradeRec.getTradeNo(), reqNo, info);return ResultUtil.success();} catch (AlipayApiException e) {e.printStackTrace();return ResultUtil.error(-1, 调用支付宝同步接口异常);}}return ResultUtil.error(-1, 记录不存在);}/*** 退款解冻*/PostMapping(han/unfreeze)public Result unfreeze(String authNo, int amount) {String outTradeNo CommonUtil.getNo();String body 押金解冻;String res null;try {res myService.unfreeze(authNo, amount, body);} catch (AlipayApiException e) {e.printStackTrace();return ResultUtil.error(-1, 解冻异常);}return ResultUtil.success(res);}/*** 退款解冻*/PostMapping(han/freeze)public Result freeze(String orderNo, String orderRequestNo, int amount, String category) {String body 押金冻结;String res null;try {if (null category) {category RENT_DIGITAL;}res myService.freeze(orderNo, orderRequestNo, amount, null, category);} catch (AlipayApiException e) {e.printStackTrace();return ResultUtil.error(-1, 订单冻结异常);}return ResultUtil.success(res);}/*** 退款解冻*/PostMapping(han/cusTrade)public Result cusTrade(String authNo, int amount, String uuid, String authConfirm) {String body 【测试】-扣除;String no CommonUtil.getNo();String res myService.tradepay(no, authNo, amount, uuid, body, authConfirm, null);if (null res) {log.error(authNo[ authNo ]转支付扣款调用失败);}AlipayTradeQueryResponse queryRes null;try {queryRes myService.tradeQuery(no);String tradeStatus queryRes.getTradeStatus();String code queryRes.getCode();if (code.equals(10000) null ! tradeStatus) {} else if (code.equals(40004)) {} else {return ResultUtil.error(-1, 查询调用失败);}return ResultUtil.success(queryRes);} catch (AlipayApiException e) {e.printStackTrace();return ResultUtil.error(-1, 查询调用失败);}}ApiOperation(订单中心商品文件上传接口)GetMapping({FileUpload})public Result FileUpload() throws AlipayApiException {AlipayMerchantItemFileUploadResponse response this.myService.alipayMerchantItemFileUpload();if (response.getCode().equals(10000) null ! response.getMaterialId()) {Extra extra extraService.selectOne(new EntityWrapperExtra().eq(extra_type, 987));extra.setExtraCon(response.getMaterialId());extra.updateById();return ResultUtil.success();} else {return ResultUtil.error(-1, response.getSubMsg());}}}总之支付宝和微信的免押系统以其独特的优势和广阔的应用前景必将在未来的发展中发挥越来越重要的作用。我们期待这一创新技术能够为用户带来更多便利为社会创造更多价值。 Overridepublic String freeze(String outOrderNo, String outRequestNo, int amount, String notifyUrl, String category) throws AlipayApiException {BigDecimal _amount BigDecimal.valueOf(amount).divide(BigDecimal.valueOf(100)).setScale(2);AlipayClient alipayClient new DefaultAlipayClient(https://openapi.alipay.com/gateway.do, appid, private_key, json, utf-8, public_key, RSA2);AlipayFundAuthOrderAppFreezeRequest request new AlipayFundAuthOrderAppFreezeRequest();AlipayFundAuthOrderAppFreezeModel model new AlipayFundAuthOrderAppFreezeModel();model.setOrderTitle(押金冻结);model.setOutOrderNo(outOrderNo);model.setOutRequestNo(outRequestNo);model.setPayeeUserId(sellerId);//payee_user_id,Payee_logon_id不能同时为空model.setProductCode(PRE_AUTH_ONLINE);//PRE_AUTH_ONLINE为固定值不要替换model.setAmount(String.valueOf(_amount));//需要支持信用授权该字段必传model.setExtraParam({\category\:\RENT_HOME_CARE\,\serviceId\:\2023022100000000000095194600\}); //outStoreAlias将在用户端信用守护、支付信息、账单详情页展示request.setBizModel(model);request.setNotifyUrl(notifyUrl);//异步通知地址必填该接口只通过该参数进行异步通知AlipayFundAuthOrderAppFreezeResponse response alipayClient.sdkExecute(request);//注意这里是sdkExecute可以获取签名参数if (response.isSuccess()) {return response.getBody();} else {log.error(outOrderNo为 outOrderNo 的订单冻结失败);}return null;}
