feat:新增接口

service/account.py

@@ -0,0 +1,80 @@
+"""资金账户服务：余额查询 + 余额加减（路由层只编排，不碰数据/逻辑）。"""
+from __future__ import annotations
+
+from decimal import Decimal
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.fin_account import FinAccount
+from model.sys_user import SysUser
+from repositories.fin_account import FinAccountRepo
+from schemas.account import BalanceResp
+from utils.exceptions import ForbiddenError, NotFoundError, ParamError
+
+_ZERO = Decimal("0.00")
+_DEFAULT_CURRENCY = "CNY"
+
+
+def _build_balance_resp(account: FinAccount) -> BalanceResp:
+    return BalanceResp(
+        customer_id=account.customer_id,
+        balance=account.balance,
+        available_balance=account.balance - account.frozen_amount,
+        frozen_amount=account.frozen_amount,
+        currency=account.currency,
+        status=account.status,
+        update_time=account.update_time,
+    )
+
+
+async def get_balance(db: AsyncSession, user: SysUser) -> BalanceResp:
+    """查询当前用户现金余额。
+
+    - 仅客户账号可查（员工共用 sys_user，但无资金账户）；
+    - 未开资金户时按零余额返回，不报错。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可查询资金余额")
+
+    account = await FinAccountRepo(db).get_by_customer_id(user.id)
+    if account is None:
+        return BalanceResp(
+            customer_id=user.id,
+            balance=_ZERO,
+            available_balance=_ZERO,
+            frozen_amount=_ZERO,
+            currency=_DEFAULT_CURRENCY,
+            status="正常",
+        )
+
+    return _build_balance_resp(account)
+
+
+async def adjust_balance(
+    db: AsyncSession, user: SysUser, direction: str, amount: Decimal
+) -> BalanceResp:
+    """加减余额：direction=add 入账 / sub 出账。
+
+    - add：balance += amount，未开资金户时自动开户入账；
+    - sub：balance -= amount，可用余额（balance - frozen_amount）不足时报错。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可调整余额")
+
+    repo = FinAccountRepo(db)
+    account = await repo.get_by_customer_id(user.id)
+
+    if direction == "add":
+        if account is None:
+            account = await repo.create(user.id, amount)
+        else:
+            account = await repo.add_balance(user.id, amount)
+    else:  # sub
+        if account is None:
+            raise NotFoundError("资金账户不存在")
+        updated = await repo.subtract_balance(user.id, amount)
+        if updated is None:
+            raise ParamError("可用余额不足")
+        account = updated
+
+    return _build_balance_resp(account)