GoldenPlan-front/src/lib/checkout-api.ts

import { postRemittance } from "@/lib/remittance-client";

export type RemittanceChannel = {
  id: string;
  code: string;
  requestUrl: string;
  icon: string;
  name: string;
  description: string;
  amountRange: string;
  processingTime: string;
  fee: string;
  groupName: string;
  groupOrder: number;
  channelType: number | null;
  bankValid: number;
  /** 支付金额倍率；与标价相乘。为 null 或非有限数时按 1 处理。 */
  rate: number | null;
};

export type BankChannelOption = {
  value: string;
  label: string;
  currency: string;
  /** 与外层通道 `rate` 同语义；为 null 或非有限数时乘价按 1。 */
  rate: number | null;
};

function toNumber(v: unknown): number | null {
  if (typeof v === "number" && Number.isFinite(v)) return v;
  if (typeof v === "string" && v.trim()) {
    const n = Number(v);
    if (Number.isFinite(n)) return n;
  }
  return null;
}

function pickString(record: Record<string, unknown>, keys: string[]): string {
  for (const key of keys) {
    const value = record[key];
    if (typeof value === "string" && value.trim()) return value.trim();
  }
  return "";
}

function pickAmountRange(record: Record<string, unknown>): string {
  const min = toNumber(
    record.minAmount ?? record.amountMin ?? record.lowerAmount ?? record.min,
  );
  const max = toNumber(
    record.maxAmount ?? record.amountMax ?? record.upperAmount ?? record.max,
  );
  const unit = pickString(record, ["currency", "currencyCode", "coin", "unit"]).toUpperCase();
  if (min !== null && max !== null) {
    return `$${min} - $${max}${unit ? ` ${unit}` : ""}`;
  }
  const rangeText = pickString(record, ["amountRange", "limitRange", "amountDesc"]);
  return rangeText || "-";
}

function pickFee(record: Record<string, unknown>): string {
  const feeRate = toNumber(record.feeRate);
  if (feeRate !== null) {
    if (feeRate <= 1) return `${(feeRate * 100).toFixed(2).replace(/\.00$/, "")}%`;
    return `${feeRate.toFixed(2).replace(/\.00$/, "")}%`;
  }
  const fee = pickString(record, ["fee", "charge", "feeDesc"]);
  return fee || "0%";
}

const CHANNEL_GROUP_NAME_MAP: Record<number, string> = {
  1: "国际转账支付",
  2: "中国网银支付",
  3: "数字货币",
  4: "电子钱包",
  5: "CWG 电子卡",
};

const CHANNEL_GROUP_DISPLAY_ORDER: Record<number, number> = {
  3: 1, // 数字货币
  2: 2, // 中国网银支付
  1: 3, // 国际转账支付
  4: 4, // 电子钱包
  5: 5, // CWG 电子卡
};

function pickGroupId(record: Record<string, unknown>): number | null {
  const id = toNumber(
    record.type ??
      record.channelType ??
      record.payTypeType ??
      record.groupId ??
      record.channelGroupId ??
      record.channelClassify ??
      record.channelCategory ??
      record.categoryId ??
      record.payTypeGroup ??
      record.payTypeClassify,
  );
  if (id === null) return null;
  if (id >= 1 && id <= 5) return id;
  return null;
}

function normalizeChannelList(raw: unknown): RemittanceChannel[] {
  if (!raw || typeof raw !== "object") return [];
  const container = raw as Record<string, unknown>;
  const inner =
    container.data ??
    container.list ??
    container.rows ??
    container.records ??
    container.channels;

  const source = Array.isArray(inner) ? inner : [];
  const output: RemittanceChannel[] = [];

  for (const item of source) {
    if (!item || typeof item !== "object") continue;
    const row = item as Record<string, unknown>;
    const id = String(
      row.id ??
        row.channelId ??
        row.payTypeId ??
        row.code ??
        row.channelCode ??
        output.length + 1,
    );
    const name =
      pickString(row, ["name", "channelName", "payType", "channelCode", "code"]) || "-";
    const code = pickString(row, ["code", "channelCode", "payCode", "channelNo"]) || id;
    const requestUrl = pickString(row, ["requestUrl", "payUrl", "url"]) || "/xfgpay/pay";
    const icon = pickString(row, ["icon", "logo", "img", "image", "iconUrl"]);
    const processingTime =
      pickString(row, ["processingTime", "processTime", "arrivalTime", "timeDesc"]) || "1 hours";
    const groupId = pickGroupId(row);
    const fallbackGroupName =
      pickString(row, [
        "groupName",
        "categoryName",
        "channelGroup",
        "payScene",
        "group",
      ]) || "支付通道";
    const groupName = groupId ? CHANNEL_GROUP_NAME_MAP[groupId] : fallbackGroupName;
    const groupOrder = groupId ? (CHANNEL_GROUP_DISPLAY_ORDER[groupId] ?? 999) : 999;

    output.push({
      id,
      code,
      requestUrl,
      icon,
      name,
      description: name || "-",
      amountRange: pickAmountRange(row),
      processingTime,
      fee: pickFee(row),
      groupName,
      groupOrder,
      channelType: toNumber(row.type ?? row.channelType ?? row.payTypeType),
      bankValid: toNumber(row.bankValid) ?? 0,
      rate: toNumber(row.rate),
    });
  }
  return output;
}

/** 支付展示/提交金额 = 标价 × 通道 `rate`；`rate` 为 null 或非有限数时按 1。金额最多保留两位小数。 */
export function payAmountWithChannelRate(basePrice: number, rate: number | null): number {
  if (!Number.isFinite(basePrice) || basePrice < 0) return 0;
  const mult = rate != null && Number.isFinite(rate) ? rate : 1;
  const product = basePrice * mult;
  if (!Number.isFinite(product)) return 0;
  return Math.round(product * 100) / 100;
}

/**
 * 有二级「选择付款方式」且已选中时，用该项的 `rate`；
 * 否则用 `/remittance/channel/list` 外层通道的 `rate`。
 */
export function resolvePayRateMultiplier(input: {
  bankSelectorVisible: boolean;
  selectedBankCode: string;
  bankOptions: BankChannelOption[];
  channelRate: number | null;
}): number | null {
  if (input.bankSelectorVisible && input.selectedBankCode.trim()) {
    const bank = input.bankOptions.find((b) => b.value === input.selectedBankCode);
    if (bank) return bank.rate;
  }
  return input.channelRate;
}

export async function fetchRemittanceChannels(): Promise<RemittanceChannel[]> {
  // 存款通道固定走 remittance 路径，避免误取到提款通道（/remit/channel/list）。
  const raw = await postRemittance<unknown>("/remittance/channel/list", {});
  return normalizeChannelList(raw);
}

function normalizeBankChannelList(raw: unknown): BankChannelOption[] {
  if (!raw || typeof raw !== "object") return [];
  const container = raw as Record<string, unknown>;
  const inner =
    container.data ??
    container.list ??
    container.rows ??
    container.records ??
    container.channels;
  const source = Array.isArray(inner) ? inner : [];
  const output: BankChannelOption[] = [];
  for (const item of source) {
    if (!item || typeof item !== "object") continue;
    const row = item as Record<string, unknown>;
    const valueFromCodeKeys: unknown[] = [row.code, row.channelCode, row.payCode];
    let value = "";
    for (const v of valueFromCodeKeys) {
      if (typeof v === "number" && Number.isFinite(v)) {
        value = String(v);
        break;
      }
      if (typeof v === "string" && v.trim()) {
        value = v.trim();
        break;
      }
    }
    if (!value) value = pickString(row, ["name", "currency", "enName"]);
    if (!value) continue;
    const label = pickString(row, ["name", "enName", "currency", "code"]) || value;
    const currency = pickString(row, ["currency", "code", "name"]) || "USDT";
    output.push({ value, label, currency, rate: toNumber(row.rate) });
  }
  return output;
}

export async function fetchBankChannelOptions(channelCode?: string): Promise<BankChannelOption[]> {
  const body = channelCode ? { channelCode } : {};
  const raw = await postRemittance<unknown>("/channel/bank/list", body);
  return normalizeBankChannelList(raw);
}

/**
 * 银联 / 电汇等走 `/telegraphic/pay` 的通道：金额、银行等参数放在请求体，不拼在 `.../pay/...` 路径后面。
 */
export function isTelegraphicStylePayRequestUrl(requestUrl: string): boolean {
  const n = `/${requestUrl.replace(/^\/+|\/+$/g, "")}`.toLowerCase();
  return n.includes("telegraphic");
}

export type PayGoodsDetail = {
  goodsId: string;
  goodsNum: number;
};

export async function submitXfgPayOrder(input: {
  requestUrl: string;
  amount: number;
  bankCode?: string;
  code?: string;
  goodsDetails: PayGoodsDetail[];
  payName: string;
  payPhone: string;
}): Promise<{ raw: unknown; resultUrl: string | null }> {
  const normalizedRequestUrl = `/${input.requestUrl.replace(/^\/+|\/+$/g, "")}`;
  // 仍以后端下发 requestUrl 为准（动态）；仅当明显是提款路径时兜底，避免误打提款申请。
  const payRequestPath = /^\/withdraw(\/|$)/i.test(normalizedRequestUrl)
    ? "/xfgpay/pay"
    : normalizedRequestUrl;
  const amount = String(input.amount);
  const useBodyForPayParams = isTelegraphicStylePayRequestUrl(payRequestPath);
  const path = useBodyForPayParams
    ? payRequestPath
    : input.bankCode
      ? `${payRequestPath}/1/${encodeURIComponent(amount)}/${encodeURIComponent(input.bankCode)}/0`
      : `${payRequestPath}/1/${encodeURIComponent(amount)}/0`;
  const body = useBodyForPayParams
    ? {
        goodsDetails: input.goodsDetails,
        payName: input.payName,
        payPhone: input.payPhone,
        amount: input.amount,
        ...(input.code ? { code: input.code } : {}),
        ...(input.bankCode ? { bankCode: input.bankCode } : {}),
      }
    : {
        goodsDetails: input.goodsDetails,
        payName: input.payName,
        payPhone: input.payPhone,
        /** 与路径中的金额一致：标价×通道 rate 后的实付额；避免后端只读 body 时落到商品原价。 */
        amount: input.amount,
      };
  const data = await postRemittance<unknown>(path, body);
  return { raw: data, resultUrl: pickResultUrl(data) };
}

function pickResultUrl(raw: unknown): string | null {
  if (!raw || typeof raw !== "object") return null;
  const o = raw as Record<string, unknown>;
  const candidates: unknown[] = [
    o.result,
    o.url,
    o.payUrl,
    o.redirectUrl,
  ];
  if (o.data && typeof o.data === "object" && o.data !== null) {
    const d = o.data as Record<string, unknown>;
    candidates.push(d.result, d.url, d.payUrl, d.redirectUrl);
  }
  for (const item of candidates) {
    if (typeof item === "string" && item.trim()) return item.trim();
  }
  return null;
}