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ouyangxq
2026-09-10 23:27:47 +08:00
parent 64811f1e19
commit 3ae093c44c
4 changed files with 17 additions and 11 deletions
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财务管理/openapi/finance-wallet-v1.yaml
+10 -7
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@@ -3,9 +3,9 @@ info:
title: 客户资金账户、授信与充值 API
version: 1.1.0
description: |
CNY 资金账户支持静态收款码、付款截图申请、平台审核、手工充扣、授信额度及业务冻结/结算/释放。
总可用余额 = 实际余额 + 授信额度 - 已用授信 - 冻结金额；业务扣款先使用未冻结的实际资金，再使用授信。
充值先归还已用授信，剩余部分增加实际余额。新账户授信额度由
CNY 资金账户支持静态收款码、付款截图申请、平台审核、手工充扣、限时授信及业务冻结/结算/释放。
授信到期日当天仍有效，次日不再计入可用余额。消费直接扣减实际余额并允许形成负数；实际余额为负时禁止提交新订单。
充值直接增加实际余额。新账户授信额度由
`baiyue.finance.wallet.default-credit-limit` 初始化，默认 `0.00`，平台可按客户调整。
paths:
/api/client/finance/v1/account:
@@ -203,16 +203,18 @@ components:
data: { $ref: '#/components/schemas/WalletAccount' }
WalletAccount:
type: object
required: [currencyCode, actualBalance, frozenBalance, availableBalance, creditLimit, creditUsed, creditFrozen, availableCredit, version]
required: [currencyCode, actualBalance, frozenBalance, availableBalance, creditLimit, creditUsed, creditFrozen, availableCredit, creditActive, version]
properties:
currencyCode: { type: string, enum: [CNY] }
actualBalance: { type: number, format: decimal, minimum: 0 }
actualBalance: { type: number, format: decimal, description: 实际余额；授信到期后已用额度并入此余额，可为负数 }
frozenBalance: { type: number, format: decimal, minimum: 0, description: 实际资金冻结与授信冻结合计 }
availableBalance: { type: number, format: decimal, minimum: 0, description: 实际可用资金与可用授信合计 }
availableBalance: { type: number, format: decimal, description: 当前可用余额，可在授信失效后为负数 }
creditLimit: { type: number, format: decimal, minimum: 0 }
creditUsed: { type: number, format: decimal, minimum: 0 }
creditFrozen: { type: number, format: decimal, minimum: 0 }
availableCredit: { type: number, format: decimal, minimum: 0 }
creditExpiresOn: { type: string, format: date, nullable: true, description: 授信到期日，当天仍有效 }
creditActive: { type: boolean, description: 授信当前是否有效 }
version: { type: integer, minimum: 0 }
updatedAt: { type: string, format: date-time, nullable: true }
RechargeReviewRequest:
@@ -235,9 +237,10 @@ components:
expectedAccountVersion: { type: integer, minimum: 0 }
CreditLimitRequest:
type: object
required: [creditLimit, expectedAccountVersion]
required: [creditLimit, creditExpiresOn, expectedAccountVersion]
properties:
creditLimit: { type: number, format: decimal, minimum: 0 }
creditExpiresOn: { type: string, format: date, description: 必须晚于服务端当前日期，不限制最远日期 }
remark: { type: string, maxLength: 500 }
expectedAccountVersion: { type: integer, minimum: 0 }
WalletFreezeRequest: