客户余额加账单核销

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/domain/ArBalanceWriteoff.java

@@ -0,0 +1,87 @@
+package com.ruoyi.ar.domain;
+
+import java.math.BigDecimal;
+import java.util.Date;
+import com.fasterxml.jackson.annotation.JsonFormat;
+import com.ruoyi.common.core.domain.BaseEntity;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * 应收账单余额核销 ar_balance_writeoff
+ *
+ * <p>用客户账户余额核销应收账单，与 ar_receipt_writeoff（收款核销）并列，
+ * 两者共享 ar_bill.written_off_amount / unwritten_amount 缓存。</p>
+ *
+ * @author ruoyi
+ * @date 2026-09-16
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class ArBalanceWriteoff extends BaseEntity
+{
+    private static final long serialVersionUID = 1L;
+
+    /** 有效 */
+    public static final String STATUS_EFFECTIVE = "EFFECTIVE";
+    /** 已取消（反核销） */
+    public static final String STATUS_CANCELLED = "CANCELLED";
+
+    /** 余额核销ID */
+    private Long writeoffId;
+
+    /** 核销单号（BWO开头） */
+    private String writeoffNo;
+
+    /** 应收账单ID */
+    private Long arBillId;
+
+    /** 账单号快照 */
+    private String billNo;
+
+    /** 客户ID */
+    private Long customerId;
+
+    /** 客户账户ID */
+    private Long accountId;
+
+    /** 币种 */
+    private String currency;
+
+    /** 本次核销金额 */
+    private BigDecimal writeoffAmount;
+
+    /** 核销扣款余额流水ID */
+    private Long balanceFlowId;
+
+    /** 反核销回补余额流水ID */
+    private Long reverseFlowId;
+
+    /** 核销日期 */
+    @JsonFormat(pattern = "yyyy-MM-dd")
+    private Date writeoffDate;
+
+    /** 状态：EFFECTIVE/CANCELLED */
+    private String status;
+
+    /** 核销备注 */
+    private String remark;
+
+    /** 反核销人 */
+    private String cancelBy;
+
+    /** 反核销时间 */
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    private Date cancelTime;
+
+    /** 反核销原因 */
+    private String cancelRemark;
+
+    /* ===== 列表关联展示字段（来自 ar_bill） ===== */
+
+    /** 账单名称 */
+    private String billName;
+
+    /** 客户名称快照 */
+    private String customerName;
+}

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBalanceWriteoffMapper.java

@@ -0,0 +1,34 @@
+package com.ruoyi.ar.mapper;
+
+import java.util.List;
+import org.apache.ibatis.annotations.Param;
+import com.ruoyi.ar.domain.ArBalanceWriteoff;
+
+/**
+ * 应收账单余额核销 Mapper
+ *
+ * @author ruoyi
+ * @date 2026-09-16
+ */
+public interface ArBalanceWriteoffMapper
+{
+    /** 新增余额核销单 */
+    int insertArBalanceWriteoff(ArBalanceWriteoff writeoff);
+
+    /** 回写扣款账户与余额流水ID */
+    int updateFlowRefs(@Param("writeoffId") Long writeoffId,
+        @Param("accountId") Long accountId,
+        @Param("balanceFlowId") Long balanceFlowId);
+
+    /** 按ID查询（行锁） */
+    ArBalanceWriteoff selectByIdForUpdate(@Param("writeoffId") Long writeoffId);
+
+    /** 反核销：置为CANCELLED并登记回补流水与原因 */
+    int updateCancelled(@Param("writeoffId") Long writeoffId,
+        @Param("reverseFlowId") Long reverseFlowId,
+        @Param("cancelBy") String cancelBy,
+        @Param("cancelRemark") String cancelRemark);
+
+    /** 查询核销记录列表（关联账单名称/客户名称） */
+    List<ArBalanceWriteoff> selectWriteoffList(ArBalanceWriteoff query);
+}

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBillMapper.java

@@ -19,6 +19,9 @@ public interface ArBillMapper
 
     ArBill selectArBillByIdForUpdate(Long arBillId);
 
+    /** 查询客户可核销账单（已确认/部分核销），按账单日期升序，供余额核销选择 */
+    List<ArBill> selectUnsettledByCustomer(@Param("customerId") Long customerId);
+
     int insertArBill(ArBill bill);
 
     int updateArBillStatus(@Param("arBillId") Long arBillId, @Param("status") String status,

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/IArBalanceWriteoffService.java

@@ -0,0 +1,30 @@
+package com.ruoyi.ar.service;
+
+import java.util.List;
+import com.ruoyi.ar.domain.ArBalanceWriteoff;
+import com.ruoyi.ar.domain.ArBill;
+
+/**
+ * 应收账单余额核销 Service接口
+ *
+ * <p>资金来源为客户账户余额（customer_account.balance），与收款核销
+ * （ar_receipt_writeoff）并列；核销时三方联动：账户余额扣减、已用额度释放、
+ * 账单已核销/未核销金额及状态更新。</p>
+ *
+ * @author ruoyi
+ * @date 2026-09-16
+ */
+public interface IArBalanceWriteoffService
+{
+    /** 查询客户可核销账单（已确认/部分核销，未核销额大于0） */
+    List<ArBill> selectUnsettledBills(Long customerId);
+
+    /** 查询余额核销记录 */
+    List<ArBalanceWriteoff> selectWriteoffList(ArBalanceWriteoff query);
+
+    /** 用客户账户余额核销账单 */
+    ArBalanceWriteoff writeoff(ArBalanceWriteoff cmd);
+
+    /** 反核销（取消一笔有效余额核销，余额回补、账单金额回退） */
+    void cancelWriteoff(Long writeoffId, String remark);
+}

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBalanceWriteoffServiceImpl.java

@@ -0,0 +1,249 @@
+package com.ruoyi.ar.service.impl;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+import java.util.Date;
+import java.util.List;
+import java.util.concurrent.ThreadLocalRandom;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.util.StringUtils;
+import com.ruoyi.ar.domain.ArBalanceWriteoff;
+import com.ruoyi.ar.domain.ArBill;
+import com.ruoyi.ar.domain.ArBillLog;
+import com.ruoyi.ar.enums.ArBillStatus;
+import com.ruoyi.ar.enums.ArLogResult;
+import com.ruoyi.ar.mapper.ArBalanceWriteoffMapper;
+import com.ruoyi.ar.mapper.ArBillMapper;
+import com.ruoyi.ar.service.IArBalanceWriteoffService;
+import com.ruoyi.ar.service.IArBillLogService;
+import com.ruoyi.common.exception.ServiceException;
+import com.ruoyi.common.utils.SecurityUtils;
+import com.ruoyi.common.utils.uuid.IdUtils;
+import com.ruoyi.customer.customermoney.domain.CustomerBalanceFlow;
+import com.ruoyi.customer.customermoney.service.ICustomerMoneyService;
+
+/**
+ * 应收账单余额核销 Service实现
+ *
+ * @author ruoyi
+ * @date 2026-09-16
+ */
+@Service
+public class ArBalanceWriteoffServiceImpl implements IArBalanceWriteoffService
+{
+    private static final DateTimeFormatter NO_FORMATTER = DateTimeFormatter.ofPattern("yyyyMMddHHmmssSSS");
+    private static final int MONEY_SCALE = 2;
+
+    @Autowired
+    private ArBillMapper billMapper;
+
+    @Autowired
+    private ArBalanceWriteoffMapper writeoffMapper;
+
+    @Autowired
+    private IArBillLogService logService;
+
+    @Autowired
+    private ICustomerMoneyService customerMoneyService;
+
+    @Override
+    public List<ArBill> selectUnsettledBills(Long customerId)
+    {
+        if (customerId == null)
+        {
+            return List.of();
+        }
+        return billMapper.selectUnsettledByCustomer(customerId);
+    }
+
+    @Override
+    public List<ArBalanceWriteoff> selectWriteoffList(ArBalanceWriteoff query)
+    {
+        return writeoffMapper.selectWriteoffList(query);
+    }
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public ArBalanceWriteoff writeoff(ArBalanceWriteoff cmd)
+    {
+        if (cmd == null || cmd.getArBillId() == null)
+        {
+            throw new ServiceException("请选择要核销的账单");
+        }
+        BigDecimal amount = cmd.getWriteoffAmount();
+        if (amount == null || amount.compareTo(BigDecimal.ZERO) <= 0)
+        {
+            throw new ServiceException("核销金额必须大于0");
+        }
+        amount = amount.setScale(MONEY_SCALE, RoundingMode.HALF_UP);
+
+        // 1. 行锁锁定账单（加锁顺序：账单 -> 账户，与反核销保持一致）
+        ArBill bill = billMapper.selectArBillByIdForUpdate(cmd.getArBillId());
+        if (bill == null)
+        {
+            throw new ServiceException("应收账单不存在");
+        }
+        ArBillStatus status = ArBillStatus.of(bill.getStatus());
+        if (status == null || !status.canWriteOff())
+        {
+            throw new ServiceException("当前账单状态不允许核销：" + (status == null ? bill.getStatus() : status.getLabel()));
+        }
+        if (cmd.getCustomerId() != null && !cmd.getCustomerId().equals(bill.getCustomerId()))
+        {
+            throw new ServiceException("账单与所选客户不匹配");
+        }
+        BigDecimal unwritten = nvl(bill.getUnwrittenAmount());
+        if (amount.compareTo(unwritten) > 0)
+        {
+            throw new ServiceException("核销金额超过账单未核销金额：" + unwritten.toPlainString());
+        }
+
+        String operator = SecurityUtils.getUsername();
+        String requestId = IdUtils.fastSimpleUUID();
+        String currency = StringUtils.hasText(bill.getCurrency()) ? bill.getCurrency().trim().toUpperCase() : "CNY";
+        Date writeoffDate = cmd.getWriteoffDate() != null ? cmd.getWriteoffDate() : new Date();
+        String fromStatus = bill.getStatus();
+
+        // 2. 先落核销单（账户与流水引用拿到后回写）
+        ArBalanceWriteoff writeoff = new ArBalanceWriteoff();
+        writeoff.setWriteoffNo(generateNo());
+        writeoff.setArBillId(bill.getArBillId());
+        writeoff.setBillNo(bill.getBillNo());
+        writeoff.setCustomerId(bill.getCustomerId());
+        writeoff.setCurrency(currency);
+        writeoff.setWriteoffAmount(amount);
+        writeoff.setWriteoffDate(writeoffDate);
+        writeoff.setStatus(ArBalanceWriteoff.STATUS_EFFECTIVE);
+        writeoff.setRemark(StringUtils.hasText(cmd.getRemark()) ? cmd.getRemark().trim() : null);
+        writeoff.setCreateBy(operator);
+        writeoffMapper.insertArBalanceWriteoff(writeoff);
+
+        // 3. 扣减账户余额并释放等额已用额度，写 BILL_PAY 扣款流水（余额不足在此处拦截）
+        String flowRemark = "余额核销账单：" + bill.getBillNo()
+            + (StringUtils.hasText(writeoff.getRemark()) ? "（" + writeoff.getRemark() + "）" : "");
+        CustomerBalanceFlow flow = customerMoneyService.payBill(bill.getCustomerId(), currency,
+            amount, writeoff.getWriteoffId(), bill.getBillNo(), flowRemark);
+        writeoffMapper.updateFlowRefs(writeoff.getWriteoffId(), flow.getAccountId(), flow.getId());
+
+        // 4. 更新账单已核销/未核销缓存与状态（乐观条件更新，状态被并发改动则整体回滚）
+        BigDecimal written = nvl(bill.getWrittenOffAmount()).add(amount);
+        BigDecimal newUnwritten = unwritten.subtract(amount);
+        String nextStatus = billStatus(written, nvl(bill.getTotalAmount()), fromStatus);
+        if (billMapper.updateArBillAmounts(bill.getArBillId(), written, newUnwritten,
+            nextStatus, operator, fromStatus) != 1)
+        {
+            throw new ServiceException("账单状态已发生变化，请刷新后重试");
+        }
+
+        recordLog(bill.getArBillId(), writeoff.getWriteoffId(), "BALANCE_WRITEOFF",
+            "账户余额核销账单 " + amount.toPlainString() + " " + currency,
+            fromStatus, nextStatus, operator, requestId);
+        writeoff.setAccountId(flow.getAccountId());
+        writeoff.setBalanceFlowId(flow.getId());
+        return writeoff;
+    }
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public void cancelWriteoff(Long writeoffId, String remark)
+    {
+        if (writeoffId == null)
+        {
+            throw new ServiceException("核销记录不存在");
+        }
+        // 1. 锁核销单 -> 锁账单（与核销相同的加锁顺序）
+        ArBalanceWriteoff writeoff = writeoffMapper.selectByIdForUpdate(writeoffId);
+        if (writeoff == null)
+        {
+            throw new ServiceException("核销记录不存在");
+        }
+        if (!ArBalanceWriteoff.STATUS_EFFECTIVE.equals(writeoff.getStatus()))
+        {
+            throw new ServiceException("只有有效状态的核销记录可以反核销");
+        }
+        ArBill bill = billMapper.selectArBillByIdForUpdate(writeoff.getArBillId());
+        if (bill == null)
+        {
+            throw new ServiceException("核销关联的账单不存在");
+        }
+
+        String operator = SecurityUtils.getUsername();
+        String requestId = IdUtils.fastSimpleUUID();
+        String cancelRemark = StringUtils.hasText(remark) ? remark.trim() : "取消余额核销";
+        String fromStatus = bill.getStatus();
+
+        // 2. 余额回补、已用额度重新占用，写反向 BILL_PAY 流水
+        String flowRemark = "反核销回补账单：" + bill.getBillNo() + "（" + cancelRemark + "）";
+        CustomerBalanceFlow reverseFlow = customerMoneyService.reverseBillPay(writeoff.getCustomerId(),
+            writeoff.getCurrency(), nvl(writeoff.getWriteoffAmount()), writeoffId, bill.getBillNo(), flowRemark);
+
+        // 3. 账单核销金额回退，状态按剩余已核销额重算（归零则回到已确认）
+        BigDecimal written = nvl(bill.getWrittenOffAmount()).subtract(nvl(writeoff.getWriteoffAmount()));
+        if (written.compareTo(BigDecimal.ZERO) < 0)
+        {
+            written = BigDecimal.ZERO;
+        }
+        BigDecimal newUnwritten = nvl(bill.getTotalAmount()).subtract(written);
+        String nextStatus = billStatus(written, nvl(bill.getTotalAmount()), fromStatus);
+        if (billMapper.updateArBillAmounts(bill.getArBillId(), written, newUnwritten,
+            nextStatus, operator, fromStatus) != 1)
+        {
+            throw new ServiceException("账单状态已发生变化，请刷新后重试");
+        }
+
+        // 4. 核销单置为CANCELLED并登记回补流水
+        if (writeoffMapper.updateCancelled(writeoffId, reverseFlow.getId(), operator, cancelRemark) != 1)
+        {
+            throw new ServiceException("核销记录状态已变化，请刷新后重试");
+        }
+        recordLog(bill.getArBillId(), writeoffId, "CANCEL_BALANCE_WRITEOFF",
+            "反核销回补账单：" + cancelRemark,
+            fromStatus, nextStatus, operator, requestId);
+    }
+
+    /** 账单状态重算：已核销归零（非草稿）-> 已确认；足额 -> 已核销；否则部分核销 */
+    private String billStatus(BigDecimal written, BigDecimal total, String current)
+    {
+        if (written.compareTo(BigDecimal.ZERO) == 0)
+        {
+            return ArBillStatus.DRAFT.getCode().equals(current)
+                ? ArBillStatus.DRAFT.getCode() : ArBillStatus.CONFIRMED.getCode();
+        }
+        return written.compareTo(total) >= 0
+            ? ArBillStatus.WRITTEN_OFF.getCode() : ArBillStatus.PARTIAL_WRITTEN_OFF.getCode();
+    }
+
+    private void recordLog(Long billId, Long writeoffId, String operationType, String desc,
+        String fromStatus, String toStatus, String operator, String requestId)
+    {
+        ArBillLog log = new ArBillLog();
+        log.setArBillId(billId);
+        log.setObjectType("BALANCE_WRITEOFF");
+        log.setObjectId(String.valueOf(writeoffId));
+        log.setOperationType(operationType);
+        log.setOperationDesc(desc);
+        log.setFromStatus(fromStatus);
+        log.setToStatus(toStatus);
+        log.setOperatorId(operator);
+        log.setOperatorName(operator);
+        log.setOperationSource("WEB");
+        log.setRequestId(requestId);
+        log.setResult(ArLogResult.SUCCESS.getCode());
+        logService.record(log);
+    }
+
+    private String generateNo()
+    {
+        return "BWO" + LocalDateTime.now().format(NO_FORMATTER)
+            + ThreadLocalRandom.current().nextInt(100, 1000);
+    }
+
+    private BigDecimal nvl(BigDecimal value)
+    {
+        return value == null ? BigDecimal.ZERO : value;
+    }
+}

bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBillServiceImpl.java

@@ -57,6 +57,7 @@ import com.ruoyi.common.utils.StringUtils;
 import com.ruoyi.common.utils.file.FileUtils;
 import com.ruoyi.common.utils.file.FileUploadUtils;
 import com.ruoyi.common.utils.uuid.IdUtils;
+import com.ruoyi.customer.customermoney.service.ICustomerMoneyService;
 import com.ruoyi.price.domain.PrcIncomeBillFee;
 import com.ruoyi.price.domain.PrcOrderBill;
 import com.ruoyi.price.mapper.PrcIncomeBillFeeMapper;
@@ -79,6 +80,7 @@ public class ArBillServiceImpl implements IArBillService
     @Autowired private IArBillLogService logService;
     @Autowired private PrcOrderBillMapper sourceBillMapper;
     @Autowired private PrcIncomeBillFeeMapper sourceFeeMapper;
+    @Autowired private ICustomerMoneyService customerMoneyService;
 
     @Override
     public List<ArBill> selectArBillList(ArBill query)
@@ -276,6 +278,9 @@ public class ArBillServiceImpl implements IArBillService
             throw failure(arBillId, "BILL", String.valueOf(arBillId), "CONFIRM", bill.getStatus(),
                 "账单状态已发生变化，请刷新后重试", operator, requestId);
         }
+        // 账单确认：应收形成，按账单金额占用客户授信额度（账户不存在时仅CNY会自动初始化）
+        customerMoneyService.occupyCredit(bill.getCustomerId(), bill.getCurrency(),
+            nvl(bill.getTotalAmount()));
         recordSuccess(bill, "CONFIRM", "确认应收账单", ArBillStatus.DRAFT.getCode(), ArBillStatus.CONFIRMED.getCode(), requestId, operator);
         return selectArBillById(arBillId);
     }
@@ -313,6 +318,12 @@ public class ArBillServiceImpl implements IArBillService
             throw failure(arBillId, "BILL", String.valueOf(arBillId), "VOID", bill.getStatus(),
                 "账单状态已发生变化，请刷新后重试", operator, requestId);
         }
+        // 账单作废：已确认账单占用的授信额度全额释放（可作废的CONFIRMED账单必然零核销）
+        if (currentStatus == ArBillStatus.CONFIRMED)
+        {
+            customerMoneyService.releaseCredit(bill.getCustomerId(), bill.getCurrency(),
+                nvl(bill.getTotalAmount()));
+        }
         if (!sourceBillIds.isEmpty())
         {
             int releasedCount = sourceBillMapper.releaseArBillOrders(sourceBillIds, operator,

bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/ICustomerMoneyService.java

@@ -1,5 +1,6 @@
 package com.ruoyi.customer.customermoney.service;
 
+import java.math.BigDecimal;
 import java.util.List;
 import com.ruoyi.customer.customermoney.domain.CustomerAccount;
 import com.ruoyi.customer.customermoney.domain.CustomerBalanceFlow;
@@ -56,4 +57,36 @@ public interface ICustomerMoneyService
      * -> 乐观锁更新额度 -> 回写客户档案额度字段 -> 写额度流水
      */
     int adjustCredit(CustomerCreditFlow flow);
+
+    /**
+     * 账单确认时占用授信额度（used_credit += amount）。该币种账户不存在时跳过。
+     * 调用方必须已持有账单行锁，本方法内部再锁账户（加锁顺序：账单 -> 账户）。
+     */
+    void occupyCredit(Long customerId, String currency, BigDecimal amount);
+
+    /**
+     * 账单作废时释放授信额度（used_credit -= amount，不小于0）。该币种账户不存在时跳过。
+     * 调用方必须已持有账单行锁。
+     */
+    void releaseCredit(Long customerId, String currency, BigDecimal amount);
+
+    /**
+     * 用账户余额核销账单：校验余额充足 -> balance -= amount、used_credit -= amount
+     * -> 写一条 BILL_PAY 扣款流水（direction=-1）。返回已落库的流水（含ID）。
+     *
+     * @param bizId 余额核销单ID
+     * @param bizNo 账单号
+     */
+    CustomerBalanceFlow payBill(Long customerId, String currency, BigDecimal amount,
+        Long bizId, String bizNo, String remark);
+
+    /**
+     * 反核销回补：balance += amount、used_credit += amount（重新占用授信）
+     * -> 写一条 BILL_PAY 回补流水（direction=1）。返回已落库的流水（含ID）。
+     *
+     * @param bizId 余额核销单ID
+     * @param bizNo 账单号
+     */
+    CustomerBalanceFlow reverseBillPay(Long customerId, String currency, BigDecimal amount,
+        Long bizId, String bizNo, String remark);
 }

bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/impl/CustomerMoneyServiceImpl.java

@@ -197,12 +197,8 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
         BigDecimal frozenBalance = nz(account.getFrozenBalance());
 
         account.setBalance(afterBalance);
-        if (CustomerReceipt.TYPE_REPAY.equals(receipt.getReceiptType()))
-        {
-            account.setUsedCredit(nz(account.getUsedCredit()).subtract(baseAmount).max(BigDecimal.ZERO));
-        }
         account.setUpdateBy(username);
-
+        // 额度占用统一以账单为准：收款审核只增加余额，核销账单时才释放已用额度
         int accountRows = customerMoneyMapper.updateAccountBalance(account);
         if (accountRows == 0)
         {
@@ -415,6 +411,175 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
         return 1;
     }
 
+    /* ================= 账单联动：额度占用 / 余额核销 ================= */
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public void occupyCredit(Long customerId, String currency, BigDecimal amount)
+    {
+        if (customerId == null || amount == null || amount.compareTo(BigDecimal.ZERO) <= 0)
+        {
+            return;
+        }
+        String ccny = StringUtils.hasText(currency) ? currency.trim().toUpperCase() : BASE_CURRENCY;
+        CustomerAccount account = lockAccountForBill(customerId, ccny, SecurityUtils.getUsername());
+        if (account == null)
+        {
+            return;
+        }
+        account.setUsedCredit(nz(account.getUsedCredit()).add(amount).setScale(MONEY_SCALE, RoundingMode.HALF_UP));
+        account.setUpdateBy(SecurityUtils.getUsername());
+        if (customerMoneyMapper.updateAccountBalance(account) == 0)
+        {
+            throw new ServiceException("账户已被其他操作变动，请刷新后重试");
+        }
+    }
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public void releaseCredit(Long customerId, String currency, BigDecimal amount)
+    {
+        if (customerId == null || amount == null || amount.compareTo(BigDecimal.ZERO) <= 0)
+        {
+            return;
+        }
+        String ccny = StringUtils.hasText(currency) ? currency.trim().toUpperCase() : BASE_CURRENCY;
+        CustomerAccount account = lockAccountForBill(customerId, ccny, SecurityUtils.getUsername());
+        if (account == null)
+        {
+            return;
+        }
+        account.setUsedCredit(nz(account.getUsedCredit()).subtract(amount).max(BigDecimal.ZERO)
+                .setScale(MONEY_SCALE, RoundingMode.HALF_UP));
+        account.setUpdateBy(SecurityUtils.getUsername());
+        if (customerMoneyMapper.updateAccountBalance(account) == 0)
+        {
+            throw new ServiceException("账户已被其他操作变动，请刷新后重试");
+        }
+    }
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public CustomerBalanceFlow payBill(Long customerId, String currency, BigDecimal amount,
+            Long bizId, String bizNo, String remark)
+    {
+        if (customerId == null)
+        {
+            throw new ServiceException("客户ID不能为空");
+        }
+        if (amount == null || amount.compareTo(BigDecimal.ZERO) <= 0)
+        {
+            throw new ServiceException("核销金额必须大于0");
+        }
+        String ccny = StringUtils.hasText(currency) ? currency.trim().toUpperCase() : BASE_CURRENCY;
+        String username = SecurityUtils.getUsername();
+        Long userId = SecurityUtils.getUserId();
+        CustomerAccount account = lockAccountForBill(customerId, ccny, username);
+        if (account == null)
+        {
+            throw new ServiceException("客户没有" + ccny + "账户，无法用余额核销");
+        }
+
+        BigDecimal beforeBalance = nz(account.getBalance());
+        if (beforeBalance.compareTo(amount) < 0)
+        {
+            throw new ServiceException("账户余额不足，当前" + ccny + "余额：" + beforeBalance.toPlainString());
+        }
+        BigDecimal afterBalance = beforeBalance.subtract(amount);
+        BigDecimal frozenBalance = nz(account.getFrozenBalance());
+        // 核销账单 = 应收被清偿，同步释放等额授信占用
+        account.setBalance(afterBalance);
+        account.setUsedCredit(nz(account.getUsedCredit()).subtract(amount).max(BigDecimal.ZERO)
+                .setScale(MONEY_SCALE, RoundingMode.HALF_UP));
+        account.setUpdateBy(username);
+        if (customerMoneyMapper.updateAccountBalance(account) == 0)
+        {
+            throw new ServiceException("账户余额已被其他操作变动，请刷新后重试");
+        }
+
+        CustomerBalanceFlow flow = newBalanceFlow(account, ccny, amount, -1,
+                beforeBalance, afterBalance, frozenBalance, frozenBalance,
+                bizId, bizNo, username, userId, remark);
+        customerMoneyMapper.insertFlow(flow);
+        return flow;
+    }
+
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public CustomerBalanceFlow reverseBillPay(Long customerId, String currency, BigDecimal amount,
+            Long bizId, String bizNo, String remark)
+    {
+        if (customerId == null || amount == null || amount.compareTo(BigDecimal.ZERO) <= 0)
+        {
+            throw new ServiceException("反核销金额不正确");
+        }
+        String ccny = StringUtils.hasText(currency) ? currency.trim().toUpperCase() : BASE_CURRENCY;
+        String username = SecurityUtils.getUsername();
+        Long userId = SecurityUtils.getUserId();
+        CustomerAccount account = lockAccountForBill(customerId, ccny, username);
+        if (account == null)
+        {
+            throw new ServiceException("客户" + ccny + "账户不存在，无法反核销");
+        }
+
+        BigDecimal beforeBalance = nz(account.getBalance());
+        BigDecimal afterBalance = beforeBalance.add(amount);
+        BigDecimal frozenBalance = nz(account.getFrozenBalance());
+        // 账单恢复为未核销，授信占用同步加回（允许与存量数据一样出现超出总额度的占用状态）
+        account.setBalance(afterBalance);
+        account.setUsedCredit(nz(account.getUsedCredit()).add(amount).setScale(MONEY_SCALE, RoundingMode.HALF_UP));
+        account.setUpdateBy(username);
+        if (customerMoneyMapper.updateAccountBalance(account) == 0)
+        {
+            throw new ServiceException("账户余额已被其他操作变动，请刷新后重试");
+        }
+
+        CustomerBalanceFlow flow = newBalanceFlow(account, ccny, amount, 1,
+                beforeBalance, afterBalance, frozenBalance, frozenBalance,
+                bizId, bizNo, username, userId, remark);
+        customerMoneyMapper.insertFlow(flow);
+        return flow;
+    }
+
+    /** 账单联动场景锁定账户：CNY不存在则初始化（先处理临时额度过期），外币账户不存在返回null */
+    private CustomerAccount lockAccountForBill(Long customerId, String currency, String username)
+    {
+        if (BASE_CURRENCY.equals(currency))
+        {
+            CustomerAccount account = getOrInitCnyAccount(customerId, username);
+            expireTempCreditIfNeeded(account);
+            return account;
+        }
+        return customerMoneyMapper.selectAccountForUpdate(customerId, currency);
+    }
+
+    private CustomerBalanceFlow newBalanceFlow(CustomerAccount account, String currency, BigDecimal amount,
+            int direction, BigDecimal beforeBalance, BigDecimal afterBalance,
+            BigDecimal beforeFrozen, BigDecimal afterFrozen,
+            Long bizId, String bizNo, String username, Long userId, String remark)
+    {
+        CustomerBalanceFlow flow = new CustomerBalanceFlow();
+        flow.setFlowNo(generateNo("LS"));
+        flow.setCustomerId(account.getCustomerId());
+        flow.setAccountId(account.getId());
+        flow.setCurrency(currency);
+        flow.setExchangeRate(BigDecimal.ONE);
+        flow.setBaseAmount(amount);
+        flow.setBizType(CustomerBalanceFlow.BIZ_BILL_PAY);
+        flow.setBizId(bizId);
+        flow.setBizNo(bizNo);
+        flow.setDirection(direction);
+        flow.setAmount(amount);
+        flow.setBeforeBalance(beforeBalance);
+        flow.setAfterBalance(afterBalance);
+        flow.setBeforeFrozenBalance(beforeFrozen);
+        flow.setAfterFrozenBalance(afterFrozen);
+        flow.setOperatorId(userId);
+        flow.setCreateBy(username);
+        flow.setRemark(remark);
+        return flow;
+    }
+
     /* ================= 额度私有方法 ================= */
 
     /**