lotteryLaravel/app/Services/Player/PlayerCreditService.php

<?php

namespace App\Services\Player;

use App\Models\Player;
use App\Support\AgentOverdueGuard;
use App\Support\CreditAmountScale;
use App\Support\PlayerFundingMode;
use Illuminate\Support\Facades\DB;
use Illuminate\Validation\ValidationException;

final class PlayerCreditService
{
    /**
     * @param  array{credit_limit?: int}  $payload
     */
    public function upsertAccount(Player $player, array $payload): void
    {
        $limit = max(0, (int) ($payload['credit_limit'] ?? 0));
        $now = now();
        $exists = DB::table('player_credit_accounts')
            ->where('player_id', $player->id)
            ->exists();

        if ($exists) {
            DB::table('player_credit_accounts')
                ->where('player_id', $player->id)
                ->update([
                    'credit_limit' => $limit,
                    'updated_at' => $now,
                ]);

            return;
        }

        DB::table('player_credit_accounts')->insert([
            'player_id' => $player->id,
            'credit_limit' => $limit,
            'used_credit' => 0,
            'frozen_credit' => 0,
            'created_at' => $now,
            'updated_at' => $now,
        ]);
    }

    /** 可用授信（主货币整数，与后台「授信额度」一致）。 */
    public function availableCredit(Player $player): int
    {
        $row = DB::table('player_credit_accounts')->where('player_id', $player->id)->first();
        if ($row === null) {
            return 0;
        }

        return max(0, (int) $row->credit_limit - (int) $row->used_credit - (int) $row->frozen_credit);
    }

    /** 可用授信（最小货币单位，供玩家端钱包/下注与钱包余额 API 对齐）。 */
    public function availableCreditMinor(Player $player, ?string $currencyCode = null): int
    {
        $currency = $currencyCode ?? (string) $player->default_currency;

        return CreditAmountScale::majorToMinor($this->availableCredit($player), $currency);
    }

    /** 逾期/代理线门禁与可用额度预检（不占额）。 */
    public function assertCreditPreflight(Player $player, int $amountMinor): void
    {
        if (! PlayerFundingMode::usesCredit($player) || $amountMinor <= 0) {
            return;
        }

        $this->assertCreditGuards($player);

        $currency = (string) $player->default_currency;
        if ($amountMinor > $this->availableCreditMinor($player, $currency)) {
            throw ValidationException::withMessages([
                'credit' => ['insufficient'],
            ]);
        }
    }

    public function holdForBet(Player $player, int $amountMinor): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $currency = (string) $player->default_currency;
        $majorDelta = CreditAmountScale::minorToMajor($amountMinor, $currency);
        $now = now();

        $row = DB::table('player_credit_accounts')
            ->where('player_id', $player->id)
            ->lockForUpdate()
            ->first();

        if ($row === null) {
            throw ValidationException::withMessages([
                'credit' => ['insufficient'],
            ]);
        }

        $availableMajor = max(
            0,
            (int) $row->credit_limit - (int) $row->used_credit - (int) $row->frozen_credit,
        );
        $availableMinor = CreditAmountScale::majorToMinor($availableMajor, $currency);
        if ($amountMinor > $availableMinor) {
            throw ValidationException::withMessages([
                'credit' => ['insufficient'],
            ]);
        }

        $updated = DB::table('player_credit_accounts')
            ->where('player_id', $player->id)
            ->whereRaw('credit_limit - used_credit - frozen_credit >= ?', [$majorDelta])
            ->update([
                'used_credit' => DB::raw('used_credit + '.$majorDelta),
                'updated_at' => $now,
            ]);

        if ($updated !== 1) {
            throw ValidationException::withMessages([
                'credit' => ['insufficient'],
            ]);
        }

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => -$amountMinor,
            'reason' => 'bet_hold',
            'ref_type' => 'bet',
            'ref_id' => null,
            'created_at' => $now,
            'updated_at' => $now,
        ]);
    }

    public function applySettledLoss(Player $player, int $amountMinor, int $ticketItemId): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $currency = (string) $player->default_currency;
        $majorDelta = CreditAmountScale::minorToMajor($amountMinor, $currency);
        $now = now();

        DB::table('player_credit_accounts')
            ->where('player_id', $player->id)
            ->update([
                'used_credit' => DB::raw('used_credit + '.$majorDelta),
                'updated_at' => $now,
            ]);

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => -$amountMinor,
            'reason' => 'game_settlement_loss',
            'ref_type' => 'ticket_item',
            'ref_id' => $ticketItemId,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    public function applySettledWin(Player $player, int $amountMinor, int $ticketItemId): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $this->decreaseUsedCredit($player, $amountMinor);

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => $amountMinor,
            'reason' => 'game_settlement_win',
            'ref_type' => 'ticket_item',
            'ref_id' => $ticketItemId,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    public function assertMayPlaceBet(Player $player, int $amountMinor): void
    {
        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $this->assertCreditGuards($player);
        $this->holdForBet($player, $amountMinor);
    }

    private function assertCreditGuards(Player $player): void
    {
        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $overdue = DB::table('settlement_bills')
            ->where('owner_type', 'player')
            ->where('owner_id', $player->id)
            ->where('status', 'overdue')
            ->where('unpaid_amount', '>', 0)
            ->exists();

        if ($overdue) {
            throw ValidationException::withMessages([
                'credit' => ['overdue'],
            ]);
        }

        $agentNodeId = (int) ($player->agent_node_id ?? 0);
        if ($agentNodeId > 0) {
            AgentOverdueGuard::assertAgentMayGrantCredit($agentNodeId);
            AgentOverdueGuard::assertAgentLineMayPlaceBet($agentNodeId);
        }
    }

    public function releaseBetHold(Player $player, int $amountMinor, int $ticketItemId): void
    {
        if ($amountMinor <= 0 || ! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $this->decreaseUsedCredit($player, $amountMinor);

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => $amountMinor,
            'reason' => 'bet_hold_release',
            'ref_type' => 'ticket_item',
            'ref_id' => $ticketItemId,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    public function reverseBetHold(Player $player, int $amountMinor): void
    {
        if ($amountMinor <= 0 || ! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        $this->decreaseUsedCredit($player, $amountMinor);

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => $amountMinor,
            'reason' => 'bet_hold_release',
            'ref_type' => 'bet',
            'ref_id' => null,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    public function releaseFromSettlement(Player $player, int $amountMinor, int $billId): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        $this->decreaseUsedCredit($player, $amountMinor);

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => $amountMinor,
            'reason' => 'settlement_confirm',
            'ref_type' => 'settlement_bill',
            'ref_id' => $billId,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    public function applySettlementPayout(Player $player, int $amountMinor, int $billId): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        if (! PlayerFundingMode::usesCredit($player)) {
            return;
        }

        DB::table('credit_ledger')->insert([
            'owner_type' => 'player',
            'owner_id' => $player->id,
            'amount' => $amountMinor,
            'reason' => 'settlement_payout',
            'ref_type' => 'settlement_bill',
            'ref_id' => $billId,
            'created_at' => now(),
            'updated_at' => now(),
        ]);
    }

    private function decreaseUsedCredit(Player $player, int $amountMinor): void
    {
        if ($amountMinor <= 0) {
            return;
        }

        $playerId = (int) $player->id;
        $majorDelta = CreditAmountScale::minorToMajor($amountMinor, (string) $player->default_currency);

        $row = DB::table('player_credit_accounts')
            ->where('player_id', $playerId)
            ->lockForUpdate()
            ->first();
        if ($row === null) {
            return;
        }

        $next = max(0, (int) $row->used_credit - $majorDelta);
        DB::table('player_credit_accounts')
            ->where('player_id', $playerId)
            ->update([
                'used_credit' => $next,
                'updated_at' => now(),
            ]);
    }
}