修复在途还款被出借人维护卡死并按审批时资格登记付款后事实（09-17-company-loan-principal-repayment）
- A：出借人存在 reserved 额度占用时，身份关联与收款资料维护在出借人锁内 返回 409 loan.lender_in_flight；页面禁用并提示，修正账户弹窗误导文案 - B：回单 OCR 认领、人工回单参与人、核销按审批时资格认定，不再因原审批人 或出借员工事后离职/撤权、主数据停用而卡死；保留身份核实、版本与付款快照 一致、审批独立性及回单匹配校验；付款前环节仍校验当前资格 - 测试：隔离 PostgreSQL 合成全流程，含确定性并发交错、付款后独立性反例、 离职后经 OCR/人工复核核销、PC/手机按钮禁用；变异测试均变红 - 恢复手册：资金类数据恢复后先暂停付款，对照银行流水补齐并核对占用再开放 - design 按环节修订资格规则 注意：C（同金额回单传错批次错误核销）已复现但尚未修复，借款功能不具备 真实还款验收条件；未推送、未部署。 Co-Authored-By: Claude Opus 5.5 <[email protected]>
这个提交包含在：
Claude Opus 5.5
@@ -14,8 +14,12 @@ const REPAYMENT_INCLUDE = {
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};
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function assertLenderReady(lender) {
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function assertLenderIdentityVerified(lender) {
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if (lender?.identity_status !== "verified" || !lender.identity_confirmed_at || !lender.identity_confirmed_by) { throw buildBusinessValidationError("loan.identity_required", {}, 409); };
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}
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function assertLenderReady(lender) {
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assertLenderIdentityVerified(lender);
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if (lender.archived_at || !lender.legal_entity?.enabled || lender.legal_entity.archived_at ||
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!lender.bank_institution?.enabled || lender.bank_institution.archived_at || lender.bank_institution.code !== "CCB") { throw buildBusinessValidationError("loan.source_unavailable", {}, 409); };
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}
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@@ -52,14 +56,31 @@ async function readLoanRepayment(tx, batch) {
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return repayment;
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}
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async function validateLoanPayment(tx, batch, { lock = false, reviewerId = null, recheckApproval = false } = {}) {
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// Approval-time eligibility for facts that already happened at the bank.
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// The review route ran activeReviewer() against current roles when it set
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// reviewed_by/reviewed_at, so a later departure or role change of that reviewer
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// (or of the lender's linked employee) must not strand a paid repayment.
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// Independence is still checked against the frozen participants.
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function assertApprovedIndependently(batch, excludedIds) {
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if (!batch.reviewed_by || !batch.reviewed_at || excludedIds.includes(batch.reviewed_by)) {
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throw buildBusinessValidationError("loan.independent_review_required", {}, 403);
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}
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}
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// postPayment=true is for receipt OCR, manual receipt review and settlement:
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// identity/account versions and the frozen payee snapshot must still match
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// (maintenance is blocked while reserved, see assertLenderNotInFlight), but
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// current employment, roles and master-data enablement are not re-judged.
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// Pre-payment paths (creation, review, payment-order export) keep current checks.
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async function validateLoanPayment(tx, batch, { lock = false, reviewerId = null, recheckApproval = false, postPayment = false } = {}) {
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let repayment = await readLoanRepayment(tx, batch);
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if (lock) {
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await lockLender(tx, repayment.lender_id);
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repayment = await readLoanRepayment(tx, batch);
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}
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const lender = repayment.lender;
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assertLenderReady(lender);
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if (postPayment) assertLenderIdentityVerified(lender);
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else assertLenderReady(lender);
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if (lender.identity_version !== repayment.lender_identity_version || lender.account_version !== repayment.lender_account_version) { throw buildBusinessValidationError("loan.version_changed", {}, 409); };
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if (repayment.legal_entity_id !== batch.legal_entity_id || repayment.currency_code !== "CNY" ||
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!new Prisma.Decimal(repayment.amount).eq(batch.items[0].amount) || batch.items[0].currency_code !== "CNY" ||
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@@ -68,7 +89,8 @@ async function validateLoanPayment(tx, batch, { lock = false, reviewerId = null,
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batch.items[0].snapshot_json?.payee?.accountNameEncrypted !== lender.account_name_encrypted) { throw buildBusinessValidationError("loan.version_changed", {}, 409); };
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const excluded = [batch.created_by, repayment.submitted_by, lender.employee_id].filter(Boolean);
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if (reviewerId) await activeReviewer(tx, reviewerId, excluded, { lock });
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if (recheckApproval) await activeReviewer(tx, batch.reviewed_by, excluded, { lock });
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if (postPayment) assertApprovedIndependently(batch, excluded);
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else if (recheckApproval) await activeReviewer(tx, batch.reviewed_by, excluded, { lock });
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if (lock) {
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const ids = repayment.allocations.map((a) => a.loan_id).sort();
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if (!ids.length) { throw buildBusinessValidationError("loan.allocation_invalid", {}, 409); };
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@@ -81,7 +103,7 @@ async function validateLoanPayment(tx, batch, { lock = false, reviewerId = null,
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assertEvidenceComplete(loan);
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if (new Prisma.Decimal(loanBalances(loan).available).lt(0)) { throw buildBusinessValidationError("loan.allocation_invalid", {}, 409); };
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}
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if (lender.employee_id && !await tx.employee.findFirst({ where: { id: lender.employee_id, status: "active", archived_at: null } })) { throw buildBusinessValidationError("loan.identity_required", {}, 409); };
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if (!postPayment && lender.employee_id && !await tx.employee.findFirst({ where: { id: lender.employee_id, status: "active", archived_at: null } })) { throw buildBusinessValidationError("loan.identity_required", {}, 409); };
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return repayment;
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}
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@@ -148,7 +170,7 @@ function repaymentMatchesInput(repayment, input) {
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}
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async function settleLoanRepayment(tx, batch, request) {
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const repayment = await validateLoanPayment(tx, batch, { lock: true, recheckApproval: true });
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const repayment = await validateLoanPayment(tx, batch, { lock: true, postPayment: true });
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if (repayment.bank_result_state === "confirmed_failed") { throw buildBusinessValidationError("loan.bank_state_unsafe", {}, 409); };
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if (repayment.allocations.some((a) => a.reservation_state !== "reserved")) { throw buildBusinessValidationError("loan.payment_not_ready", {}, 409); };
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await tx.loanRepaymentAllocation.updateMany({ where: { repayment_id: repayment.id, reservation_state: "reserved" },
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@@ -175,7 +197,7 @@ async function cancelLoanRepayment(tx, batch, request, reason) {
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}
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async function loanReceiptParticipants(tx, batch) {
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const repayment = await validateLoanPayment(tx, batch);
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const repayment = await validateLoanPayment(tx, batch, { postPayment: true });
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return [{ ownerId: repayment.lender.employee_id, externalOwnerVerified: repayment.lender.employee_id === null,
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submitterId: repayment.submitted_by }];
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}
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@@ -57,7 +57,7 @@ function encryptLenderAccount(config, input) {
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}
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}
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function mapLender(config, lender) {
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function mapLender(config, lender, { inFlight = false } = {}) {
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let bankAccountMasked = null; let accountUnavailable = false;
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try { bankAccountMasked = maskBankAccount(readLenderAccount(config, lender).bankAccount); }
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catch { accountUnavailable = true; }
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@@ -66,7 +66,7 @@ function mapLender(config, lender) {
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legalEntityName: lender.legal_entity?.name ?? null, employeeId: lender.employee_id,
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identityStatus: lender.identity_status, identityVersion: lender.identity_version,
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accountVersion: lender.account_version, bankInstitutionId: lender.bank_institution_id,
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bankName: lender.bank_name, bankAccountMasked, accountUnavailable,
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bankName: lender.bank_name, bankAccountMasked, accountUnavailable, hasInFlightRepayment: inFlight,
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};
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}
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@@ -105,6 +105,25 @@ async function lockLender(tx, id) {
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return tx.loanLender.findUniqueOrThrow({ where: { id }, include: LENDER_INCLUDE });
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}
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// Any reserved allocation means a repayment froze this lender's identity and
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// account versions. Creation locks the lender before reserving, so checking
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// under the same lender lock serializes with it; later batch steps never add
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// reservations. Changing the lender then would strand an already-paid request.
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async function assertLenderNotInFlight(tx, lenderId) {
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const reserved = await tx.loanRepaymentAllocation.count({ where: {
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reservation_state: "reserved", repayment: { lender_id: lenderId },
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} });
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if (reserved > 0) throw buildBusinessValidationError("loan.lender_in_flight", {}, 409);
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}
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async function inFlightLenderIds(db, lenderIds) {
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if (!lenderIds.length) return new Set();
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const rows = await db.loanRepayment.findMany({ where: {
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lender_id: { in: lenderIds }, allocations: { some: { reservation_state: "reserved" } },
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}, select: { lender_id: true }, distinct: ["lender_id"] });
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return new Set(rows.map((row) => row.lender_id));
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}
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function assertEvidenceComplete(loan) {
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const kinds = new Set((loan.evidences ?? []).filter((e) => !e.archived_at && e.governance_status === "approved").map((e) => e.kind));
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const required = ["agreement", "incoming", "accounting_confirmation"];
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@@ -146,4 +165,5 @@ module.exports = {
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LENDER_INCLUDE, LOAN_INCLUDE, ensureLoanManager, loanNotFound, auditLoan, loanBalances,
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readLenderAccount, encryptLenderAccount, mapLender, mapLoan, mapEvidence, lockLoan, lockLender,
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assertEvidenceComplete, assertCurrentVersion, validateLenderReferences, createIdempotently,
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assertLenderNotInFlight, inFlightLenderIds,
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};
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