hyb-oa/server/src/services/paymentReceiptMatching.js

const FIELD_ALIASES = {
  amount: ["小写金额", "交易金额", "转账金额", "付款金额", "金额"],
  currency: ["币别", "币种"],
  payerAccount: ["付款人账号", "付款账号"],
  payeeAccount: ["收款人账号", "收款账号"],
  transactionStatus: ["单据状态", "交易状态"],
  reference: ["流水号", "交易流水号", "凭证号", "凭证号码"],
};

function normalizeText(value) {
  return typeof value === "string" ? value.normalize("NFKC").trim() : "";
}

function parseReceiptMinorUnits(value) {
  const text = normalizeText(value).replace(/^[￥¥]\s*/, "").replace(/\s*元$/, "");
  if (!/^(?:\d+|\d{1,3}(?:,\d{3})+)(?:\.\d{1,2})?$/.test(text)) return null;
  const [whole, fraction = ""] = text.replace(/,/g, "").split(".");
  if (whole.length > 12) return null;
  return (BigInt(whole) * 100n + BigInt(fraction.padEnd(2, "0"))).toString();
}

function normalizeAccount(value) {
  const text = normalizeText(value).replace(/\s/g, "");
  return /^\d{6,40}$/.test(text) ? text : null;
}

function normalizeCurrency(value) {
  const text = normalizeText(value).toUpperCase();
  if (["人民币", "人民币元", "RMB", "CNY"].includes(text)) return "CNY";
  return /^[A-Z]{3}$/.test(text) ? text : null;
}

function normalizeStatus(value) {
  const text = normalizeText(value);
  if (["交易成功", "转账成功", "付款成功", "支付成功"].includes(text)) return "success";
  if (["交易失败", "转账失败", "付款失败", "支付失败", "已撤销", "已冲正", "已退汇"].includes(text)) return "failed";
  if (["已受理", "受理成功", "处理中", "待处理"].includes(text)) return "pending";
  return null;
}

function normalizeBankSlip(fields) {
  const result = {
    amount: null, currency: null, payerAccount: null, payeeAccount: null,
    transactionStatus: null, transactionStatusRaw: null, reference: null, issues: [],
  };
  if (!Array.isArray(fields) || fields.length === 0 || fields.length > 200) {
    result.issues.push("response_invalid");
    return result;
  }
  const parsers = {
    amount: parseReceiptMinorUnits, currency: normalizeCurrency,
    payerAccount: normalizeAccount, payeeAccount: normalizeAccount,
    transactionStatus: normalizeStatus, reference: (value) => normalizeText(value) || null,
  };
  for (const [key, aliases] of Object.entries(FIELD_ALIASES)) {
    let entries = fields.filter((field) => aliases.includes(normalizeText(field?.Name)) && normalizeText(field?.Value));
    if (key === "reference" && entries.length) {
      const preferred = aliases.find((alias) => entries.some((field) => normalizeText(field.Name) === alias));
      entries = entries.filter((field) => normalizeText(field.Name) === preferred);
    }
    const names = entries.map((field) => normalizeText(field.Name));
    const values = entries.map((field) => parsers[key](field.Value));
    if (key === "transactionStatus") {
      if (values.includes("failed")) result.issues.push("transaction_failed");
      if (values.includes("pending")) result.issues.push("transaction_pending");
    }
    if (new Set(names).size !== names.length || new Set(values).size > 1) {
      result.issues.push(`${key}_ambiguous`);
    } else if (values.length && values[0] !== null) {
      result[key] = values[0];
      // The exact bank wording is kept: several distinct bank states share the
      // normalized "failed", but only some prove that no money left the account.
      // Several bank wordings normalize to the same value (e.g. 交易失败 and 已撤销
      // both become "failed"), so the raw wording is kept only when every status
      // field carries the identical text; otherwise it stays null (fail closed).
      if (key === "transactionStatus") {
        const raws = new Set(entries.map((field) => normalizeText(field.Value)));
        result.transactionStatusRaw = raws.size === 1 ? [...raws][0] : null;
      }
    } else {
      result.issues.push(`${key}_unresolved`);
    }
  }
  return result;
}

function matchBankSlip(receipt, candidates) {
  const finish = (status, reasons, itemId = null) => ({ status, itemId, reasons, bankVerified: false });
  if (receipt.transactionStatus === "failed") return finish("mismatch", ["transaction_failed"]);
  const unresolved = [...receipt.issues];
  if (receipt.transactionStatus !== "success") unresolved.push("transaction_not_confirmed");
  if (unresolved.length) return finish("needs_review", [...new Set(unresolved)]);
  if (!Array.isArray(candidates) || !candidates.length) return finish("needs_review", ["candidates_missing"]);
  const comparisons = candidates.map((candidate) => {
    const expected = {
      amount: parseReceiptMinorUnits(candidate.amount), currency: normalizeCurrency(candidate.currency),
      payerAccount: normalizeAccount(candidate.payerAccount), payeeAccount: normalizeAccount(candidate.payeeAccount),
    };
    const invalid = !candidate.id || Object.values(expected).some((value) => value === null);
    const reasons = [];
    if (expected.amount !== receipt.amount) reasons.push("amount_mismatch");
    if (expected.currency !== receipt.currency) reasons.push("currency_mismatch");
    if (expected.payerAccount !== receipt.payerAccount) reasons.push("payer_account_mismatch");
    if (expected.payeeAccount !== receipt.payeeAccount) reasons.push("payee_account_mismatch");
    return { id: candidate.id, invalid, reasons };
  });
  if (comparisons.some((comparison) => comparison.invalid)) return finish("needs_review", ["candidate_invalid"]);
  const matches = comparisons.filter((comparison) => comparison.reasons.length === 0);
  if (matches.length === 1) return finish("matched", [], matches[0].id);
  if (matches.length > 1) return finish("needs_review", ["multiple_candidates"]);
  return finish("mismatch", [...new Set(comparisons.flatMap((comparison) => comparison.reasons))]);
}

module.exports = { normalizeBankSlip, matchBankSlip, parseReceiptMinorUnits };