/**
* 还款
* @param deal $deal 标的数据
* @param array $repaylist 还款列表
* @param int $deal_repay_id 还款计划ID
* @param int $MerCode 商户ID
* @param string $cert_md5
* @param string $post_url
* @return string
*/
function RepaymentNewTrade($cfg, $deal, $repaylist, $deal_repay_id, $post_url)
{
$merchant_id = $cfg['merchant_id'];
$terminal_id = $cfg['terminal_id'];
$key = $cfg['key'];
$iv = $cfg['iv'];
//$deal = $GLOBALS['db']->getRow("select * from ".DB_PREFIX."deal where id = ".$deal_id);
//$user = $GLOBALS['db']->getRow("select * from ".DB_PREFIX."user where id = ".$user_id);
$data = array();
$data['merchant_id'] = $merchant_id;
//商户号
$data['terminal_id'] = $terminal_id;
//终端号
$data['action_type'] = 4;
//请求类型，投标为1，满标为2，流标为3，还标为4
$data['order_id'] = 0;
$data['user_id'] = $deal['user_id'];
//借款人
$data['special'] = 1;
$data['cus_id'] = $deal['id'];
$data['cus_name'] = $deal['sub_name'];
//项目名称
$data['brw_id'] = $deal['user_id'];
//借款人
$data['req_time'] = microtime_float();
// get_gmtime();//请求时间 例如 1405668253874 （当前时间转换毫秒）
$data['fee'] = 0;
//手续费(涉及到满标、还款接口)
$data['repay_start_time'] = 0;
// 开始还款日期
$data['load_amount'] = 0;
// 记录投标金额
$data['bids_msg'] = '';
//流标原因
$data['deal_repay_id'] = $deal_repay_id;
//还款计划ID
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_business", $data, 'INSERT');
$id = $GLOBALS['db']->insert_id();
$fee = 0;
foreach ($repaylist as $k => $v) {
//平台收取：借款者 的管理费 + 管理逾期罚息
$fee = $fee + $v['repay_manage_money'] + $v['repay_manage_impose_money'];
//==============================投资者获取的，费用===================================
$detail = array();
$detail['pid'] = $id;
$detail['deal_load_repay_id'] = $v['id'];
$detail['repay_manage_impose_money'] = $v['repay_manage_impose_money'];
//平台收取 借款者 的管理费逾期罚息
$detail['impose_money'] = $v['impose_money'];
//投资者收取 借款者 的逾期罚息
$detail['repay_status'] = intval($v['status']) - 1;
//还款状态
$detail['true_repay_time'] = TIME_UTC;
//还款时间
//投资人会员编号
if ($v['t_user_id']) {
//债权转让后,还款时，转给：承接者, 在债权转让后需要更新 fanwe_deal_load_repay.t_user_id 数据值
$detail['user_id'] = $v['t_user_id'];
} else {
$detail['user_id'] = $v['user_id'];
}
//投资者获取的，费用 [宝付会自动扣除 $detail['fee'] 部分，所以最终获得的收入为：$v['month_repay_money'] + $v['impose_money'] - $v['manage_money'] - $v['manage_interest_money']
$detail['amount'] = round($v['month_repay_money'] + $v['impose_money'], 2);
//平台收取：投资者 的投资金额管理费 + 利息管理费
$detail['fee'] = round($v['manage_money'] + $v['manage_interest_money'], 2);
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_business_detail", $detail, 'INSERT');
$details[] = $detail;
}
$data_update = array();
$data_update['order_id'] = $id;
$data['order_id'] = $id;
$data['fee'] = round($fee, 2);
//手续费(涉及到满标、还款接口)
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_business", $data_update, 'UPDATE', 'id=' . $id);
$actions = "<actions>";
foreach ($details as $k => $v) {
$actions .= "<action><user_id>" . intval($v['user_id']) . "</user_id><amount>" . $v['amount'] . "</amount><fee>" . $v['fee'] . "</fee></action>";
}
$actions .= "<action><user_id>" . intval($deal['user_id']) . "</user_id><special>1</special><fee>" . round($fee, 2) . "</fee></action>";
$actions .= "</actions>";
$strxml = RepaymentNewTradeXml($data, $actions);
$pSign = md5($strxml . "~|~" . $key);
/*
$pWebUrl= SITE_DOMAIN.APP_ROOT."/index.php?ctl=collocation&act=response&class_name=Baofoo&class_act=RepaymentNewTrade&from=".$_REQUEST['from']."&order_id=".$id;//web方式返回
$pS2SUrl= SITE_DOMAIN.APP_ROOT."/index.php?ctl=collocation&act=notify&class_name=Baofoo&class_act=RepaymentNewTrade&from=".$_REQUEST['from']."&order_id=".$id;//s2s方式返回
$html = '<html><head><meta http-equiv="content-type" content="text/html; charset=UTF-8" /></head><body>
<form name="form1" id="form1" method="post" action="'.$post_url.'custody/businessPage.do" target="_self">
merchant_id:<input type="text" name="merchant_id" value="'.$merchant_id.'" /><br>
terminal_id:<input type="text" name="terminal_id" value="'.$terminal_id.'" /><br>
sign:<input type="text" name="sign" value="'.$pSign.'" /><br>
requestParams:<textarea name="requestParams" cols="100" rows="5">'.$strxml.'</textarea> <br>
page_url:<input type="text" name="page_url" value="'.$pWebUrl.'" /><br>
service_url:<input type="text" name="service_url" value="'.$pS2SUrl.'" /><br>
<input type="submit" value="提交"></input>
</form>
</body></html>
';//<script language="javascript">document.form1.submit();</script>';
//echo $html; exit;
*/
$post_data = array("merchant_id" => $merchant_id, "terminal_id" => $terminal_id, "sign" => $pSign, "requestParams" => $strxml);
$baofoo_log = array();
$baofoo_log['code'] = 'business_4';
$baofoo_log['create_date'] = to_date(TIME_UTC, 'Y-m-d H:i:s');
$baofoo_log['strxml'] = $strxml;
$baofoo_log['html'] = print_r($post_data, true);
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_log", $baofoo_log);
$resultStr = httpRequestPOST($post_url . "custody/p2pRequest.do", $post_data);
$baofoo_log = array();
$baofoo_log['code'] = 'p2pRequest_4';
$baofoo_log['create_date'] = to_date(TIME_UTC, 'Y-m-d H:i:s');
$baofoo_log['strxml'] = print_r($resultStr, true);
$baofoo_log['html'] = '';
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_log", $baofoo_log);
//还款
require_once APP_ROOT_PATH . 'system/collocation/ips/xml.php';
$str3ParaInfo = @XML_unserialize($resultStr);
$str3Req = $str3ParaInfo['crs'];
$sign = $str3Req["sign"];
$Md5sign = Md5($str3Req["code"] . '~|~' . $str3Req["msg"] . '~|~' . $key);
if ($sign == $Md5sign) {
$order_id = $id;
$where = " order_id = '" . $order_id . "'";
$sql = "update " . DB_PREFIX . "baofoo_business set is_callback = 1 where is_callback = 0 and " . $where;
$GLOBALS['db']->query($sql);
if ($GLOBALS['db']->affected_rows()) {
//操作成功
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_business", $str3Req, 'UPDATE', $where);
$ipsdata = $GLOBALS['db']->getRow("select * from " . DB_PREFIX . "baofoo_business where " . $where);
$deal_id = intval($ipsdata['cus_id']);
$deal_repay_id = intval($ipsdata['deal_repay_id']);
if ($str3Req['code'] == 'CSD000') {
$sql = "select * from " . DB_PREFIX . "baofoo_business_detail where deal_load_repay_id > 0 and pid = " . $ipsdata['id'];
$list = $GLOBALS['db']->getAll($sql);
foreach ($list as $k => $v) {
$load_repay = $GLOBALS['db']->getRow("select * from " . DB_PREFIX . "deal_load_repay where id = " . $v['deal_load_repay_id']);
//repay_status,repay_manage_impose_money
$detail = array();
$detail['repay_manage_impose_money'] = $v["repay_manage_impose_money"];
//平台收取 借款者 的管理费逾期罚息
$detail['impose_money'] = $v["impose_money"];
//投资者收取 借款者 的逾期罚息
$detail['status'] = $v["repay_status"];
//还款状态
$detail['true_repay_time'] = $v["true_repay_time"];
//还款时间
$detail['true_repay_date'] = to_date($v["true_repay_time"]);
$detail['has_repay'] = 1;
//0未收到还款，1已收到还款
$detail['true_manage_money'] = $load_repay['manage_money'];
$detail['true_manage_interest_money'] = $load_repay["manage_interest_money"];
$detail['true_repay_manage_money'] = $load_repay["repay_manage_money"];
$detail['true_repay_money'] = $load_repay["repay_money"];
$detail['true_self_money'] = $load_repay['self_money'];
$detail['true_interest_money'] = $load_repay['interest_money'];
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_load_repay", $detail, 'UPDATE', " has_repay = 0 and id = " . intval($v['deal_load_repay_id']));
//普通会员邀请返利
get_referrals($v['deal_load_repay_id']);
}
//更新用户回款计划
require_once APP_ROOT_PATH . "app/Lib/deal.php";
syn_deal_repay_status($deal_id, $deal_repay_id);
return '已还款';
} else {
return 'code:' . $str3Req['code'] . ';msg:' . $str3Req['msg'];
}
} else {
return '重复调用';
}
} else {
return '验证不通过';
}
}
function QueryForAccBalance($cfg, $user_id, $post_url)
{
$merchant_id = $cfg['merchant_id'];
$terminal_id = $cfg['terminal_id'];
$key = $cfg['key'];
$iv = $cfg['iv'];
/* 请求参数 */
$strxml = "<?xml version='1.0' encoding='UTF-8'?>" . "<custody_req>" . "<merchant_id>" . $merchant_id . "</merchant_id>" . "<user_id>" . $user_id . "</user_id>" . "</custody_req>";
$strxml = preg_replace("/[\\s]{2,}/", "", $strxml);
//去除空格、回车、换行等空白符
$requestParams = str_replace('\\', '', $strxml);
//去除转义反斜杠\
$sign = md5($requestParams . "~|~" . $key);
//$aes=new MyAES();
//$requestParams=$aes->encrypt($requestParams,$key,$iv); //加密
//PHP提交POST
$post_data = array("merchant_id" => $merchant_id, "terminal_id" => $terminal_id, "sign" => $sign, "requestParams" => $requestParams);
/*
$baofoo_log = array();
$baofoo_log['code'] = 'accountBalance';
$baofoo_log['create_date'] = to_date(TIME_UTC,'Y-m-d H:i:s');
$baofoo_log['strxml'] =$requestParams;
$baofoo_log['html'] = print_r($post_data,true);
$GLOBALS['db']->autoExecute(DB_PREFIX."baofoo_log",$baofoo_log);
*/
$resultStr = httpRequestPOST($post_url . "custody/accountBalance.do", $post_data);
//print($result);
if (empty($resultStr)) {
$result = array();
$result['pErrCode'] = 9999;
$result['pErrMsg'] = '返回出错';
$result['pIpsAcctNo'] = '';
$result['pBalance'] = 0;
$result['pLock'] = 0;
$result['pNeedstl'] = 0;
} else {
require_once APP_ROOT_PATH . 'system/collocation/ips/xml.php';
$str3ParaInfo = @XML_unserialize($resultStr);
//print_r($str3ParaInfo);
$str3Req = $str3ParaInfo['crs'];
$sign = $str3Req["sign"];
$Md5sign = Md5($str3Req["code"] . '~|~' . $str3Req["balance"] . '~|~' . $key);
if ($sign == $Md5sign) {
$result = array();
$result['pErrCode'] = '0000';
$result['pErrMsg'] = $str3Req["msg"];
$result['pIpsAcctNo'] = $user_id;
$result['pBalance'] = $str3Req["balance"];
$result['pLock'] = 0;
$result['pNeedstl'] = 0;
// $str3Req["availableAmount"];
} else {
$result = array();
$result['pErrCode'] = $str3Req["code"];
$result['pErrMsg'] = '签名验证失败';
$result['pIpsAcctNo'] = '';
$result['pBalance'] = 0;
$result['pLock'] = 0;
$result['pNeedstl'] = 0;
}
}
return $result;
/*
* <?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<response platformNo="10040011137">
<code>1</code>
<description>操作成功</description>
<memberType>PERSONAL</memberType>
<activeStatus>ACTIVATED</activeStatus>
<balance>9980.98</balance>
<availableAmount>9980.98</availableAmount>
<freezeAmount>0.00</freezeAmount>
<cardNo>********5512</cardNo>
<cardStatus>VERIFIED</cardStatus>
<bank>CCB</bank>
<autoTender>false</autoTender>
</response>
*/
}
/**
*（十一）转账（服务端接口）
1 该接口只能操作 商户的可用资金和会员的托管资金。
2 例如 user_id=100 和 user_id=101 之前转账
amount=100 fee=10 fee_taken_on=1（收款方）
则 user_id=100 托管账户减少100，user_id=101托管账户增加90 平台可用增加10
如果fee_taken_on=0
则user_id=100 托管账户减少110，user_id=101托管账户增加100 平台可用增加10
* @param unknown_type $cfg
* @param unknown_type $type type 当前共五种类型： 1-投标 2-满标 3-流标 4-还款 5-充值 6-提现 ;
* @param unknown_type $order_id
* @param unknown_type $post_url
* @return Ambigous <multitype:number string , multitype:unknown number string >
*
* $params 参数内容
* merchant_id 商户号 是 100000675
order_id 订单号 是
payer_user_id 用户号 是 如对应的类型为1 则为商户号，否则为平台user_id
payee_user_id 用户号 是 如对应的类型为1 则为商户号，否则为平台user_id
payer_type 付款方帐号类型0或1 是 0为普通用户(平台的user_id) 1为商户号
payee_type 收款方帐号类型0或1 是 0为普通用户(平台的user_id) 1为商户号
amount 转账金额 是
fee 手续费 是 该费用将会从指定费用方账户收取到平台可用账户
fee_taken_on 费用收取方0或1 是 0付款方1收款方
req_time 请求时间 是 例如 1405668253874
*/
function acctTrans($cfg, $params, $post_url)
{
$merchant_id = $cfg['merchant_id'];
$terminal_id = $cfg['terminal_id'];
$key = $cfg['key'];
$iv = $cfg['iv'];
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_acct_trans", $params, 'INSERT');
$id = $GLOBALS['db']->insert_id();
if (intval($params['order_id']) == 0) {
$params['order_id'] = $id;
}
/* 请求参数 */
$strxml = "<?xml version='1.0' encoding='UTF-8'?>" . "<custody_req>" . "<merchant_id>" . $params['merchant_id'] . "</merchant_id>" . "<order_id>" . $params['order_id'] . "</order_id>" . "<payer_user_id>" . $params['payer_user_id'] . "</payer_user_id>" . "<payee_user_id>" . $params['payee_user_id'] . "</payee_user_id>" . "<payer_type>" . $params['payer_type'] . "</payer_type>" . "<payee_type>" . $params['payee_type'] . "</payee_type>" . "<amount>" . $params['amount'] . "</amount>" . "<fee>" . $params['fee'] . "</fee>" . "<fee_taken_on>" . $params['fee_taken_on'] . "</fee_taken_on>" . "<req_time>" . $params['req_time'] . "</req_time>" . "</custody_req>";
$strxml = preg_replace("/[\\s]{2,}/", "", $strxml);
//去除空格、回车、换行等空白符
$requestParams = str_replace('\\', '', $strxml);
//去除转义反斜杠\
$sign = md5($requestParams . "~|~" . $key);
//PHP提交POST
$post_data = array("merchant_id" => $merchant_id, "terminal_id" => $terminal_id, "sign" => $sign, "requestParams" => $requestParams);
$baofoo_log = array();
$baofoo_log['code'] = 'acctTrans';
$baofoo_log['create_date'] = to_date(TIME_UTC, 'Y-m-d H:i:s');
$baofoo_log['strxml'] = $requestParams;
$baofoo_log['html'] = print_r($post_data, true);
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_log", $baofoo_log);
$resultStr = httpRequestPOST($post_url . "custody/acctTrans.do", $post_data);
//print($result);
if (empty($resultStr)) {
$result = array();
$result['code'] = 9999;
$result['msg'] = '返回出错';
} else {
require_once APP_ROOT_PATH . 'system/collocation/ips/xml.php';
$str3ParaInfo = @XML_unserialize($resultStr);
$str3Req = $str3ParaInfo['crs'];
$sign = $str3Req["sign"];
$Md5sign = Md5($str3Req["code"] . '~|~' . $str3Req["msg"] . '~|~' . $key);
if ($sign == $Md5sign) {
$GLOBALS['db']->autoExecute(DB_PREFIX . "baofoo_acct_trans", $str3Req, 'UPDATE', "id = " . $id);
$result = array();
$result['code'] = $str3Req["code"];
$result['msg'] = $str3Req["msg"];
$result['sign'] = $str3Req["sign"];
} else {
$result = array();
$result['code'] = -1;
$result['msg'] = '签名验证失败';
}
}
return $result;
}