feat(finance): add customer wallet recharge flow

2026-09-05 08:34:40 +08:00
parent 6002e4223b
commit 5792630231
24 changed files with 1285 additions and 24 deletions
@@ -434,3 +434,78 @@ CREATE TABLE IF NOT EXISTS fin_settlement_payment (
  CONSTRAINT chk_fin_settlement_payment_currency CHECK (currency_code = 'CNY'),
  CONSTRAINT chk_fin_settlement_payment_amount CHECK (amount > 0)
 ) ENGINE=InnoDB COMMENT='正式结算单人工收付款与凭证记录';
+
+
+-- 一件代发客户资金账户：充值先行，订单消费与冻结/解冻后续接入。
+CREATE TABLE IF NOT EXISTS fin_wallet_account (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT COMMENT '主键ID',
+  customer_id BIGINT UNSIGNED NOT NULL COMMENT '客户ID和隔离键',
+  currency_code CHAR(3) NOT NULL DEFAULT 'CNY' COMMENT '当前仅CNY',
+  actual_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '账户实际余额，包含冻结资金',
+  frozen_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '冻结金额',
+  available_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '可用余额=实际余额-冻结金额',
+  version INT UNSIGNED NOT NULL DEFAULT 0 COMMENT '余额乐观锁版本',
+  created_by BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '创建操作人ID',
+  updated_by BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '最后操作人ID',
+  created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) COMMENT '记录创建时间',
+  updated_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) ON UPDATE CURRENT_TIMESTAMP(3) COMMENT '最后更新时间',
+  PRIMARY KEY (id),
+  UNIQUE KEY uk_fin_wallet_account_customer (customer_id, currency_code),
+  CONSTRAINT chk_fin_wallet_account_customer CHECK (customer_id > 0),
+  CONSTRAINT chk_fin_wallet_account_currency CHECK (currency_code = 'CNY'),
+  CONSTRAINT chk_fin_wallet_account_balance CHECK (actual_balance >= 0 AND frozen_balance >= 0 AND available_balance >= 0 AND actual_balance = frozen_balance + available_balance)
+) ENGINE=InnoDB COMMENT='客户CNY资金账户主账';
+
+CREATE TABLE IF NOT EXISTS fin_recharge_request (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT COMMENT '主键ID',
+  customer_id BIGINT UNSIGNED NOT NULL COMMENT '客户ID和隔离键',
+  request_no VARCHAR(32) NOT NULL COMMENT '充值申请业务编号RC-yyMMdd-####',
+  amount DECIMAL(20,2) NOT NULL COMMENT '申请充值金额',
+  payment_method VARCHAR(16) NOT NULL COMMENT 'WECHAT或ALIPAY',
+  voucher_file_id BIGINT UNSIGNED NOT NULL COMMENT '付款截图File ID',
+  voucher_file_name VARCHAR(255) NOT NULL COMMENT '付款截图文件名快照',
+  status VARCHAR(16) NOT NULL DEFAULT 'PENDING' COMMENT '审核状态：PENDING待审核、APPROVED已通过、REJECTED已驳回',
+  version INT UNSIGNED NOT NULL DEFAULT 0 COMMENT '审核乐观锁版本',
+  submitted_by BIGINT UNSIGNED NOT NULL COMMENT '客户提交人ID',
+  submitted_by_name VARCHAR(128) NULL COMMENT '客户提交人名称快照',
+  reviewed_by BIGINT UNSIGNED NULL COMMENT '平台审核人ID',
+  reviewed_by_name VARCHAR(128) NULL COMMENT '平台审核人名称快照',
+  review_remark VARCHAR(500) NULL COMMENT '审核说明或驳回原因',
+  created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) COMMENT '记录创建时间',
+  reviewed_at DATETIME(3) NULL COMMENT '平台审核完成时间',
+  updated_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) ON UPDATE CURRENT_TIMESTAMP(3) COMMENT '最后更新时间',
+  PRIMARY KEY (id),
+  UNIQUE KEY uk_fin_recharge_request_no (request_no),
+  KEY idx_fin_recharge_customer_status (customer_id, status, created_at, id),
+  CONSTRAINT chk_fin_recharge_customer CHECK (customer_id > 0),
+  CONSTRAINT chk_fin_recharge_amount CHECK (amount > 0),
+  CONSTRAINT chk_fin_recharge_method CHECK (payment_method IN ('WECHAT','ALIPAY')),
+  CONSTRAINT chk_fin_recharge_status CHECK (status IN ('PENDING','APPROVED','REJECTED'))
+) ENGINE=InnoDB COMMENT='客户付款截图充值申请；平台审核通过后入账';
+
+CREATE TABLE IF NOT EXISTS fin_wallet_ledger (
+  id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT COMMENT '主键ID',
+  customer_id BIGINT UNSIGNED NOT NULL COMMENT '客户ID和隔离键',
+  business_no VARCHAR(32) NOT NULL COMMENT '账户变动业务编号AC-yyMMdd-####',
+  change_type VARCHAR(16) NOT NULL COMMENT '变动类型：RECHARGE充值、DEDUCTION扣款、FREEZE冻结、UNFREEZE解冻、CONSUMPTION消费',
+  amount DECIMAL(20,2) NOT NULL COMMENT '带方向变动金额，充值为正、扣款为负',
+  actual_balance_after DECIMAL(20,2) NOT NULL COMMENT '变动后实际余额',
+  frozen_balance_after DECIMAL(20,2) NOT NULL COMMENT '变动后冻结金额',
+  available_balance_after DECIMAL(20,2) NOT NULL COMMENT '变动后可用余额',
+  source_type VARCHAR(32) NOT NULL COMMENT 'CLIENT_RECHARGE/MANUAL_RECHARGE/MANUAL_DEDUCTION等',
+  source_no VARCHAR(128) NULL COMMENT '充值申请号或外部凭证号',
+  occurred_date DATE NOT NULL COMMENT '业务发生日期',
+  payment_method VARCHAR(32) NULL COMMENT '充值或扣款方式',
+  reference_no VARCHAR(128) NULL COMMENT '收款凭证号或关联单据号',
+  operator_id BIGINT UNSIGNED NOT NULL COMMENT '操作人ID',
+  operator_name VARCHAR(128) NULL COMMENT '操作人名称快照',
+  remark VARCHAR(500) NULL COMMENT '变动说明',
+  created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) COMMENT '记录创建时间',
+  PRIMARY KEY (id),
+  UNIQUE KEY uk_fin_wallet_ledger_no (business_no),
+  KEY idx_fin_wallet_ledger_customer_time (customer_id, created_at, id),
+  KEY idx_fin_wallet_ledger_source (customer_id, source_type, source_no),
+  CONSTRAINT chk_fin_wallet_ledger_customer CHECK (customer_id > 0),
+  CONSTRAINT chk_fin_wallet_ledger_amount CHECK (amount <> 0),
+  CONSTRAINT chk_fin_wallet_ledger_balance CHECK (actual_balance_after >= 0 AND frozen_balance_after >= 0 AND available_balance_after >= 0 AND actual_balance_after = frozen_balance_after + available_balance_after)
+) ENGINE=InnoDB COMMENT='客户资金账户不可变余额流水';