rustjr-account-management/tests/integration/reconciliation_tests.rs

//! 对账集成测试

use chrono::Utc;
use rust_decimal::Decimal;
use rust_decimal_macros::dec;

use rustjr::domain::ledger::entity::{AccountBalance, ThreeAccountResult};
use rustjr::domain::account::AccountType;
use rustjr::infrastructure::bank_integration::mock_bank::MockBankClient;
use rustjr::infrastructure::bank_integration::BankClient;

// ==================== 测试辅助 ====================

fn create_balance(personal: Decimal, labor: Decimal, frozen: Decimal, transit: Decimal) -> AccountBalance {
    AccountBalance {
        id: 1,
        account_id: 1001,
        account_type: AccountType::Virtual,
        personal_balance: personal,
        labor_balance: labor,
        frozen_balance: frozen,
        bank_balance: personal + labor + frozen,
        transit_amount: transit,
        system_balance: personal + labor,
        available_balance: personal + labor,
        frozen_amount: frozen,
        version: 1,
        updated_at: Utc::now(),
    }
}

/// 执行三账校验
fn verify_three_accounts(balance: &AccountBalance, bank_balance: Decimal) -> ThreeAccountResult {
    let ledger_total = balance.personal_balance + balance.labor_balance + balance.frozen_balance;
    let transit_net = balance.transit_amount;
    
    // 公式：总账 + 在途 = 银行
    let expected_bank = ledger_total + transit_net;
    let difference = bank_balance - expected_bank;
    let is_balanced = difference.abs() < dec!(0.01); // 允许 1 分钱误差

    ThreeAccountResult {
        bank_balance,
        transit_net,
        ledger_total,
        is_balanced,
        difference,
    }
}

// ==================== 三账平衡测试 ====================

#[test]
fn test_three_account_balanced_no_transit() {
    // 没有在途时的三账平衡
    let balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    let bank = balance.bank_balance; // 8000
    
    let result = verify_three_accounts(&balance, bank);
    
    assert!(result.is_balanced);
    assert_eq!(result.difference, dec!(0.00));
    assert_eq!(result.ledger_total, dec!(8000.00));
    assert_eq!(result.transit_net, dec!(0.00));
}

#[test]
fn test_three_account_balanced_with_transit() {
    // 有在途时的三账平衡
    // 假设：扣款 1000 进入在途，银行尚未确认
    let mut balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    balance.deduct_with_priority(dec!(1000.00)).unwrap();
    balance.add_transit(dec!(1000.00));
    
    // 此时：
    // 总账 = 4000 + 3000 + 0 = 7000
    // 在途 = 1000
    // 银行余额应该还是 8000（因为银行还没确认）
    
    // 但由于我们的 deduct_with_priority 同时减少了 bank_balance
    // 在实际系统中，bank_balance 应该是从银行同步的
    // 这里我们手动设置正确的银行余额来测试
    let actual_bank = dec!(8000.00); // 银行还没扣
    
    let result = verify_three_accounts(&balance, actual_bank);
    
    assert!(result.is_balanced);
    // 7000 + 1000 = 8000
}

#[test]
fn test_three_account_balanced_with_frozen() {
    let balance = create_balance(dec!(5000.00), dec!(2000.00), dec!(1000.00), dec!(0.00));
    let bank = balance.bank_balance; // 8000
    
    let result = verify_three_accounts(&balance, bank);
    
    assert!(result.is_balanced);
    assert_eq!(result.ledger_total, dec!(8000.00)); // 5000 + 2000 + 1000
}

// ==================== 三账不平衡测试 ====================

#[test]
fn test_three_account_short() {
    // 短款：银行少于预期
    let balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    let bank = dec!(7500.00); // 银行少了 500
    
    let result = verify_three_accounts(&balance, bank);
    
    assert!(!result.is_balanced);
    assert_eq!(result.difference, dec!(-500.00)); // 银行少 500
}

#[test]
fn test_three_account_long() {
    // 长款：银行多于预期
    let balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    let bank = dec!(8500.00); // 银行多了 500
    
    let result = verify_three_accounts(&balance, bank);
    
    assert!(!result.is_balanced);
    assert_eq!(result.difference, dec!(500.00)); // 银行多 500
}

#[test]
fn test_three_account_transit_mismatch() {
    // 在途不匹配
    let mut balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    balance.deduct_with_priority(dec!(1000.00)).unwrap();
    balance.add_transit(dec!(1000.00));
    
    // 银行已经扣款（不应该这么快）
    let bank = dec!(7000.00); // 银行已扣款
    
    let result = verify_three_accounts(&balance, bank);
    
    // 总账 7000 + 在途 1000 = 8000，但银行只有 7000
    assert!(!result.is_balanced);
    assert_eq!(result.difference, dec!(-1000.00));
}

// ==================== 对账流水比对测试 ====================

#[tokio::test]
async fn test_reconciliation_with_bank_statements() {
    let client = MockBankClient::new();
    client.create_account("PRISON001", "监狱账户", dec!(100000.00)).unwrap();
    client.create_account("EXT001", "外部账户", dec!(50000.00)).unwrap();

    // 模拟几笔交易
    use rustjr::infrastructure::bank_integration::BankTransferRequest;
    
    // 出账
    let request = BankTransferRequest {
        from_account: "PRISON001".to_string(),
        to_account: "EXT001".to_string(),
        to_account_name: "外部账户".to_string(),
        to_bank_code: "MOCK".to_string(),
        amount: dec!(5000.00),
        remark: Some("提现".to_string()),
        business_no: "TXN001".to_string(),
    };
    client.transfer(request).await.unwrap();

    // 外部入账
    client.simulate_external_deposit(
        "PRISON001",
        "FAMILY001",
        "家属",
        dec!(2000.00),
        Some("家属充值".to_string()),
    ).unwrap();

    // 查询银行流水
    let today = Utc::now().date_naive();
    let statements = client.query_statements("PRISON001", today, today).await.unwrap();

    // 验证流水
    assert_eq!(statements.len(), 2);

    // 找出入账
    let inbound = statements.iter().filter(|s| s.direction == "in").collect::<Vec<_>>();
    assert_eq!(inbound.len(), 1);
    assert_eq!(inbound[0].amount, dec!(2000.00));

    // 找出账
    let outbound = statements.iter().filter(|s| s.direction == "out").collect::<Vec<_>>();
    assert_eq!(outbound.len(), 1);
    assert_eq!(outbound[0].amount, dec!(5000.00));

    // 验证最终余额
    let balance = client.query_balance("PRISON001").await.unwrap();
    assert_eq!(balance.balance, dec!(97000.00)); // 100000 - 5000 + 2000
}

// ==================== 外部入账识别测试 ====================

#[tokio::test]
async fn test_external_deposit_recognition() {
    let client = MockBankClient::new();
    client.create_account("PRISON001", "监狱账户", dec!(100000.00)).unwrap();

    // 系统不知道的外部入账
    let bank_ref = client.simulate_external_deposit(
        "PRISON001",
        "UNKNOWN_FAMILY",
        "未知家属",
        dec!(3000.00),
        Some("不明来源充值".to_string()),
    ).unwrap();

    // 查询流水会发现这笔入账
    let today = Utc::now().date_naive();
    let statements = client.query_statements("PRISON001", today, today).await.unwrap();

    let external = statements.iter()
        .find(|s| s.bank_ref_no == bank_ref)
        .unwrap();

    assert_eq!(external.direction, "in");
    assert_eq!(external.amount, dec!(3000.00));

    // 在对账时，这笔交易应该标记为 "外部入账待确认"
    // 需要人工或自动匹配到对应的罪犯账户
}

// ==================== 超时交易对账测试 ====================

#[test]
fn test_timeout_transaction_reconciliation() {
    // 模拟超时交易场景
    let mut balance = create_balance(dec!(5000.00), dec!(3000.00), dec!(0.00), dec!(0.00));
    
    // 扣款并建立在途
    balance.deduct_with_priority(dec!(1000.00)).unwrap();
    balance.add_transit(dec!(1000.00));

    // 此时：
    // 系统认为：银行余额 7000，在途 1000
    // 如果银行实际已成功：银行余额 7000（正确）
    // 如果银行实际未成功：银行余额 8000（在途应回退）

    // 场景1：银行实际已成功
    let actual_bank_success = dec!(7000.00);
    let result = verify_three_accounts(&balance, actual_bank_success);
    // 7000 + 1000 = 8000，但银行只有 7000
    assert!(!result.is_balanced);
    // 这说明需要结转在途

    // 场景2：银行实际未成功
    let actual_bank_failed = dec!(8000.00);
    let result = verify_three_accounts(&balance, actual_bank_failed);
    // 7000 + 1000 = 8000，银行也是 8000
    assert!(result.is_balanced);
    // 但这意味着银行没扣款，我们需要回退在途
}

// ==================== 重复交易检测测试 ====================

#[tokio::test]
async fn test_duplicate_transaction_detection() {
    let client = MockBankClient::new();
    client.create_account("FROM001", "转出账户", dec!(10000.00)).unwrap();
    client.create_account("TO001", "转入账户", dec!(0.00)).unwrap();

    use rustjr::infrastructure::bank_integration::BankTransferRequest;

    let request = BankTransferRequest {
        from_account: "FROM001".to_string(),
        to_account: "TO001".to_string(),
        to_account_name: "转入账户".to_string(),
        to_bank_code: "MOCK".to_string(),
        amount: dec!(1000.00),
        remark: None,
        business_no: "TXN_DUP_001".to_string(),
    };

    // 第一次转账
    let response1 = client.transfer(request.clone()).await.unwrap();
    assert!(response1.success);

    // 用相同的 business_no 查询，应该能找到
    let status = client.query_transaction_status("TXN_DUP_001").await.unwrap();
    assert!(status.success);
    assert_eq!(status.bank_ref_no, response1.bank_ref_no);
}

// ==================== 三账校验公式验证 ====================

#[test]
fn test_three_account_formula() {
    // 验证公式：总账余额 = 银行余额 + 在途净额
    // 即：personal + labor + frozen = bank - transit_out + transit_in
    // 简化为：total = bank (当没有在途时)

    struct TestCase {
        personal: Decimal,
        labor: Decimal,
        frozen: Decimal,
        transit: Decimal,
        bank: Decimal,
        expected_balanced: bool,
    }

    let cases = vec![
        // 平衡：无在途
        TestCase {
            personal: dec!(5000.00),
            labor: dec!(3000.00),
            frozen: dec!(0.00),
            transit: dec!(0.00),
            bank: dec!(8000.00),
            expected_balanced: true,
        },
        // 平衡：有在途（银行未确认）
        TestCase {
            personal: dec!(4000.00), // 扣了1000
            labor: dec!(3000.00),
            frozen: dec!(0.00),
            transit: dec!(1000.00), // 在途1000
            bank: dec!(8000.00),     // 银行还没扣
            expected_balanced: true,
        },
        // 不平衡：银行已扣但在途未清
        TestCase {
            personal: dec!(4000.00),
            labor: dec!(3000.00),
            frozen: dec!(0.00),
            transit: dec!(1000.00),
            bank: dec!(7000.00), // 银行已扣
            expected_balanced: false,
        },
        // 平衡：有冻结
        TestCase {
            personal: dec!(4000.00),
            labor: dec!(3000.00),
            frozen: dec!(1000.00),
            transit: dec!(0.00),
            bank: dec!(8000.00),
            expected_balanced: true,
        },
    ];

    for (i, case) in cases.iter().enumerate() {
        let balance = create_balance(case.personal, case.labor, case.frozen, case.transit);
        let result = verify_three_accounts(&balance, case.bank);

        assert_eq!(
            result.is_balanced, case.expected_balanced,
            "Case {} failed: expected balanced={}, got balanced={}",
            i, case.expected_balanced, result.is_balanced
        );
    }
}