rapid-ztx/debit/alter.js

Rapid ZTX module

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


/**
 * 变更借记卡信息
 *
 * 参数:
 *    info: 绑卡参数，包含下面的数据：
 *      * sumer: 用户 uuid
 *      * card_no: 卡号，可选
 *      * bank_name: 开户行名称，可选
 *      * bank_city: 开户行城市，可选
 *
 * 返回:
 *    失败抛出异常，成功返回变更后借记卡信息
 */
const alter = async (info) => {
    const keys = [
        'sumer'
    ];
    for (let i = 0; i < keys.length; i++) {
        const key = keys[i];
        if (!info[key]) {
            throw new Error(`变更借记卡信息错：参数缺少[${key}]`);
        }
    }

    // 如果提供了开户城市，则验证开户城市是否有效
    if (info.bank_city) {
        const result = await unique_db.one(`
            select count(*) as count from rapid_cities where city_name = $1
        `, [
            info.bank_city.replace(/市$/, '')
        ]);
        if (result.count == 0) {
            throw new Error('变更借记卡信息错：未查询到开户城市');
        }
    }

    // 查询用户信息
    const sumer = await unique_db.oneOrNone(`
        select uuid, mobile, debit_card
        from rapid_ctod_sumers where uuid = $1
    `, [
        info.sumer
    ]);
    if (!sumer) {
        throw new Error('变更借记卡信息错：用户不存在');
    }

    // 用户未绑借记卡情况下，不能变更借记卡信息
    if (!sumer.debit_card) {
        throw new Error('变更借记卡信息错：用户未绑定借记卡');
    }

    // 如果没有提供卡号，或者卡号与原卡号一致，则无需实名认证，直接修改信息后返回
    if (!info.card_no || info.card_no == sumer.debit_card.card_no) {
        if (!info.bank_name && !info.bank_city) {
            return sumer.debit_card;
        }
        if (info.bank_name) {
            sumer.debit_card.bank_name = info.bank_name;
        }
        if (info.bank_city) {
            sumer.debit_card.bank_city = info.bank_city;
        }
        await unique_db.none(`
            update rapid_ctod_sumers set debit_card = $1 where uuid = $2
        `, [
            sumer.debit_card, sumer.uuid
        ]);
        return sumer.debit_card;
    }

    // 如果没有提供卡号，则无需更多处理，直接返回
    if (!info.card_no) {
        return sumer.debit_card;
    }

    // 查询卡 BIN 信息，如果查询不到，则无法获取发卡行名称等信息
    let bin_info = await rapid_db.cardbin.query(info.card_no);
    if (!bin_info) {
        throw new Error('变更借记卡信息错：查询卡 BIN 信息错，请检查卡号');
    }
    if (!bin_info.issuer_name) {
        throw new Error('变更借记卡信息错：未查询到银行卡开户行名称');
    }

    // 检查是否为借记卡，卡 BIN 信息中有此标识
    if (bin_info.debit_credit_flag != 1) {
        throw new Error('变更借记卡信息错：此卡非借记卡(储蓄卡)');
    }

    // 如果没有提供开户行城市，则查询借记卡开户城市，开户行城市在代付时是必须的
    if (!info.bank_city) {
        try {
            const result = await utils.query_card_city(info.card_no);
            bin_info.issuer_city = result.city || '上海';
        } catch (err) {
            await rapid_db.notify.warn(err.message);
            bin_info.issuer_city = '上海';
        }
    }

    // 银行卡实名认证，姓名和证件号码使用原借记卡信息
    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,
    }));

    // 设置新借记卡信息
    sumer.debit_card.card_no     = info.card_no;
    sumer.debit_card.bank_name   = info.bank_name || bin_info.issuer_name;
    sumer.debit_card.bank_city   = info.bank_city || bin_info.issuer_city;
    sumer.debit_card.card_type   = bin_info.debit_credit_flag;
    sumer.debit_card.issuer_code = bin_info.issuer_code;
    sumer.debit_card.card_name   = bin_info.card_name;
    sumer.debit_card.bin_num     = bin_info.bin_num;
    sumer.debit_card.bin_len     = bin_info.bin_len;

    // 更新用户借记卡
    await unique_db.none(`
        update rapid_ctod_sumers set debit_card = $1 where uuid = $2
    `, [
        sumer.debit_card, 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, 5, sumer.debit_card, '变更借记卡'
    ]);

    // 返回新卡信息
    return sumer.debit_card;
}


module.exports = alter;