feat: 信用IEO系统 — 授信+申购+还款+逾期+后台

2026-04-28 19:22:00 +08:00
parent 928d573b11
commit a323b7da8e
7 changed files with 650 additions and 0 deletions
@@ -0,0 +1,63 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\CreditIeoOrder;
+use App\CreditLine;
+use App\AccountLog;
+use Illuminate\Console\Command;
+use Illuminate\Support\Facades\DB;
+
+class AutoCreditOverdue extends Command
+{
+    protected $signature = "auto_credit_overdue";
+    protected $description = "标记超期信用IEO订单为逾期";
+
+    public function handle()
+    {
+        $orders = CreditIeoOrder::where('status', 0)->get();
+        $marked = 0;
+
+        foreach ($orders as $order) {
+            $line = CreditLine::find($order->credit_line_id);
+            if (!$line) continue;
+
+            $cycleDays = intval($line->cycle_days) ?: 15;
+            $createdTs = strtotime((string)$order->created_at);
+            if (!$createdTs) continue;
+
+            $elapsed = (int)ceil((time() - $createdTs) / 86400);
+            if ($elapsed <= $cycleDays) continue;
+
+            DB::beginTransaction();
+            try {
+                $affected = CreditIeoOrder::where('id', $order->id)
+                    ->where('status', 0)
+                    ->update(['status' => 3]);
+
+                if ($affected > 0) {
+                    $maxInterestDays = min($elapsed, $cycleDays * 3);
+                    $interest = sprintf("%.6f", $order->amount * $line->daily_rate * $maxInterestDays);
+
+                    CreditIeoOrder::where('id', $order->id)
+                        ->update(['interest' => $interest]);
+
+                    AccountLog::insertLog(
+                        ['user_id' => $order->user_id, 'value' => 0, 'info' => 'Credit IEO overdue #' . $order->id, 'type' => AccountLog::MICRO_TRADE_CLOSE_SETTLE, 'currency' => 3],
+                        ['balance_type' => 1, 'wallet_id' => 0, 'lock_type' => 0, 'before' => 0, 'change' => 0, 'after' => 0]
+                    );
+                    $marked++;
+                }
+
+                DB::commit();
+            } catch (\Exception $e) {
+                DB::rollBack();
+                $this->error("Order #{$order->id} error: " . $e->getMessage());
+            }
+        }
+
+        if ($marked > 0) {
+            $this->info("Marked {$marked} orders as overdue");
+        }
+    }
+}