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feat(finance): add credit and wallet hold lifecycle

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ouyangxq
2026-09-05 11:54:55 +08:00
parent 6f2b2babc6
commit ba4407eb0d
19 changed files with 587 additions and 70 deletions
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finance/src/main/resources/db/finance.sql
+35 -6
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@@ -436,14 +436,17 @@ CREATE TABLE IF NOT EXISTS fin_settlement_payment (
) 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。
-- 一件代发客户资金账户：实际余额优先，授信额度补足；冻结后结算或解冻。
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',
frozen_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '冻结总额，包含实际资金与授信冻结',
available_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '总可用余额=实际余额+授信额度-已用授信-冻结总额',
credit_limit DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '授信额度',
credit_used DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '已结算使用的授信',
credit_frozen DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '冻结总额中占用的授信',
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',
@@ -453,7 +456,7 @@ CREATE TABLE IF NOT EXISTS fin_wallet_account (
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)
CONSTRAINT chk_fin_wallet_account_balance CHECK (actual_balance >= 0 AND frozen_balance >= 0 AND available_balance >= 0 AND credit_limit >= 0 AND credit_used >= 0 AND credit_frozen >= 0 AND frozen_balance >= credit_frozen AND actual_balance >= frozen_balance-credit_frozen AND credit_limit >= credit_used+credit_frozen AND available_balance = actual_balance+credit_limit-credit_used-frozen_balance)
) ENGINE=InnoDB COMMENT='客户CNY资金账户主账';
CREATE TABLE IF NOT EXISTS fin_recharge_request (
@@ -487,11 +490,14 @@ 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',
change_type VARCHAR(16) NOT NULL COMMENT '变动类型：充值、扣款、冻结、解冻、消费或授信调整',
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',
credit_limit_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后授信额度',
credit_used_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后已用授信',
available_credit_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后可用授信',
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',
@@ -507,5 +513,28 @@ CREATE TABLE IF NOT EXISTS fin_wallet_ledger (
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)
CONSTRAINT chk_fin_wallet_ledger_balance CHECK (actual_balance_after >= 0 AND frozen_balance_after >= 0 AND available_balance_after >= 0 AND credit_limit_after >= 0 AND credit_used_after >= 0 AND available_credit_after >= 0 AND credit_limit_after >= credit_used_after+available_credit_after AND available_balance_after = actual_balance_after-frozen_balance_after+credit_limit_after-credit_used_after)
) ENGINE=InnoDB COMMENT='客户资金账户不可变余额流水';
CREATE TABLE IF NOT EXISTS fin_wallet_hold (
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_type VARCHAR(32) NOT NULL COMMENT '调用方业务类型',
business_no VARCHAR(128) NOT NULL COMMENT '调用方业务单号',
amount DECIMAL(20,2) NOT NULL COMMENT '冻结总额',
actual_frozen_amount DECIMAL(20,2) NOT NULL COMMENT '冻结时占用实际资金',
credit_frozen_amount DECIMAL(20,2) NOT NULL COMMENT '冻结时占用授信',
status VARCHAR(16) NOT NULL COMMENT '冻结状态：FROZEN冻结中、SETTLED已结算、RELEASED已释放',
freeze_ledger_id BIGINT UNSIGNED NULL COMMENT '冻结流水ID',
action_ledger_id BIGINT UNSIGNED NULL COMMENT '结算或解冻流水ID',
remark VARCHAR(500) NULL COMMENT '业务说明',
created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) COMMENT '冻结记录创建时间',
completed_at DATETIME(3) NULL COMMENT '结算或释放完成时间',
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_wallet_hold_business (customer_id,business_type,business_no),
KEY idx_fin_wallet_hold_status (customer_id,status,created_at,id),
CONSTRAINT chk_fin_wallet_hold_customer CHECK (customer_id > 0),
CONSTRAINT chk_fin_wallet_hold_amount CHECK (amount > 0 AND actual_frozen_amount >= 0 AND credit_frozen_amount >= 0 AND amount=actual_frozen_amount+credit_frozen_amount),
CONSTRAINT chk_fin_wallet_hold_status CHECK (status IN ('FROZEN','SETTLED','RELEASED'))
) ENGINE=InnoDB COMMENT='客户资金冻结及结算生命周期';