rapid-ztx/credit/bind.js

Rapid ZTX module

/**
 * Copyright (c) 2017 Lucky Byte, Inc.
 */
const debug = require('debug')('ztx');
const uuid = require('uuid');
const moment = require('moment');
const rapid_db = require('rapid-db');
const auth = require('../lib/auth');
const utils = require('../lib/utils');


/**
 * 绑定贷记卡
 *
 * 参数:
 *    info: 绑卡参数，包含下面的数据：
 *      * sumer: 用户 uuid
 *      * card_no: 卡号
 *      * cvn: CVN
 *      * expiry: 卡有效期
 *
 * 返回:
 *    失败抛出异常，成功返回贷记卡完整信息
 */
const bind = async (info) => {
    const keys = [
        'sumer', 'card_no', 'cvn', 'expiry'
    ];
    for (let i = 0; i < keys.length; i++) {
        const key = keys[i];
        if (!info[key]) {
            throw new Error(`绑定贷记卡错：缺少参数[${key}]`);
        }
    }
    if (!/^[0-9]{3}$/.test(info.cvn)) {
        throw new Error('绑定贷记卡错：CVN 格式错');
    }
    if (!/^[0-9]{4}$/.test(info.expiry)) {
        throw new Error('绑定贷记卡错：卡有效期格式错');
    }

    // 检查卡有效期，有效期格式 MMYY
    const month = info.expiry.substr(0,2);
    if (parseInt(month) > 12) {
        throw new Error('绑定贷记卡错：卡有效期无效(月份错)');
    }
    const year = info.expiry.substr(2);
    if (parseInt(year) < moment().year() % 100) {
        throw new Error('绑定贷记卡错：卡已过期');
    }

    // 查询用户信息
    const sumer = await unique_db.oneOrNone(`
        select * from rapid_ctod_sumers where uuid = $1
    `, [
        info.sumer
    ]);
    if (!sumer) {
        throw new Error('绑定贷记卡错：绑卡用户不存在');
    }

    // 用户未绑定借记卡的情况下，不能绑定贷记卡
    if (!sumer.debit_card) {
        throw new Error('绑定贷记卡错：用户未绑定借记卡');
    }

    // 如果已经绑定过贷记卡，则检查是否重复绑定
    if (sumer.credit_cards) {
        for (let i = 0; i < sumer.credit_cards.length; i++) {
            if (info.card_no == sumer.credit_cards[i].card_no) {
                throw new Error('绑定贷记卡错：此卡重复绑定');
            }
        }
    }

    // 查询卡 BIN 信息
    let bin_info = await rapid_db.cardbin.query(info.card_no);
    if (!bin_info) {
        throw new Error('绑定贷记卡错：查询卡 BIN 信息错，请检查卡号');
    }

    // 检查是否为贷记卡，卡 BIN 信息中有此标识
    if (bin_info.debit_credit_flag != 2 && bin_info.debit_credit_flag != 3) {
        throw new Error('绑定贷记卡错：此卡非贷记卡或准贷记卡');
    }

    // 不对测试卡号进行实名认证
    if (info.card_no != '6221558812340000') {
        if (!sumer.debit_card.name || !sumer.debit_card.idno) {
            throw new Error('绑定贷记卡错：借记卡缺少姓名和证件号码');
        }
        // 银行卡实名认证
        await auth.card_auth(sumer, Object.assign(info, {
            name: sumer.debit_card.name,
            idno: sumer.debit_card.idno,
            card_type: bin_info.debit_credit_flag,
        }));
    }

    // 组织贷记卡信息
    const credit_card = {
        name:        sumer.debit_card.name,
        idno:        sumer.debit_card.idno,
        card_no:     info.card_no,
        cvn:         info.cvn,
        expiry:      info.expiry,
        card_type:   bin_info.debit_credit_flag,
        issuer_code: bin_info.issuer_code,
        issuer_name: bin_info.issuer_name,
        bank_name:   bin_info.issuer_name,
        card_name:   bin_info.card_name,
        bin_num:     bin_info.bin_num,
        bin_len:     bin_info.bin_len,
    }
    // 添加到贷记卡列表
    let credit_cards = sumer.credit_cards || [];
    credit_cards.push(credit_card);

    await unique_db.none(`
        update rapid_ctod_sumers set credit_cards = $1 where
            uuid = $2 and debit_card is not null
    `, [
        JSON.stringify(credit_cards), sumer.uuid
    ]);

    // 记录绑卡历史
    await unique_db.none(`
        insert into rapid_ctod_bhist (
            uuid, sumer, action, card, notes
        ) values (
            $1, $2, $3, $4, $5
        )
    `, [
        uuid.v4(), sumer.uuid, 3, credit_card, '绑定贷记卡'
    ]);

    // 给代理商联系人发送邮件通知
    try {
        const html = `
            <p>用户[${sumer.name}][${sumer.mobile}]已绑定贷记卡！</p>
        `;
        await utils.mail_to_agent(sumer.agent, '用户绑卡通知', html);
    } catch (err) {
        await rapid_db.notify.warn(`发送绑卡通知邮件错: ${err.message}`);
    }
    return credit_card;
}


module.exports = bind;