额度余额变动抽公共方法

2026-09-17 09:54:21 +08:00
parent e67dfbca7b
commit 85a3752107
7 changed files with 106 additions and 414 deletions
@@ -30,6 +30,10 @@ public class CustomerCreditFlow extends BaseEntity
    public static final String CHANGE_ADJUST = "ADJUST";
    /** 变动类型：到期自动失效 */
    public static final String CHANGE_EXPIRE = "EXPIRE";
+    /** 变动类型：业务单据占用授信（已用额度增加，如账单确认/计费订单开单） */
+    public static final String CHANGE_OCCUPY = "OCCUPY";
+    /** 变动类型：业务单据释放授信（已用额度减少，如账单作废/计费变动核减） */
+    public static final String CHANGE_RELEASE = "RELEASE";

    /** 调整方式：设置为 */
    public static final String MODE_SET = "SET";
@@ -53,9 +57,18 @@ public class CustomerCreditFlow extends BaseEntity
    /** 额度类型：CREDIT信用额度 TEMP临时额度 */
    private String creditType;

-    /** 变动类型：INIT初始化 ADJUST调整 EXPIRE到期失效 */
+    /** 变动类型：INIT初始化 ADJUST调整 EXPIRE到期失效 OCCUPY授信占用 RELEASE授信释放 */
    private String changeType;

+    /** 业务来源类型：AR_BILL应收账单 ORDER计费订单（仅占用/释放流水） */
+    private String bizType;
+
+    /** 关联业务单据ID */
+    private Long bizId;
+
+    /** 关联业务单据号 */
+    private String bizNo;
+
    /** 变动方向：1增加 -1减少 0持平 */
    private Integer direction;

@@ -1,6 +1,5 @@
 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;
@@ -75,36 +74,4 @@ public interface ICustomerMoneyService

    /** 查询额度调整申请详情 */
    CustomerCreditApply selectCreditApplyById(Long applyId);
-
-    /**
-     * 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);
 }
@@ -18,6 +18,9 @@ import com.ruoyi.common.utils.SecurityUtils;
 import com.ruoyi.customer.customerinfo.domain.BmsCustomer;
 import com.ruoyi.customer.customerinfo.domain.BmsCustomerAttachment;
 import com.ruoyi.customer.customerinfo.mapper.BmsCustomerMapper;
+import com.ruoyi.customer.customermoney.api.BalanceChangeCommand;
+import com.ruoyi.customer.customermoney.api.CustomerFundBizType;
+import com.ruoyi.customer.customermoney.api.ICustomerAccountApi;
 import com.ruoyi.customer.customermoney.domain.CustomerAccount;
 import com.ruoyi.customer.customermoney.domain.CustomerBalanceFlow;
 import com.ruoyi.customer.customermoney.domain.CustomerCreditApply;
@@ -42,8 +45,6 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService

    /** 本位币币种 */
    private static final String BASE_CURRENCY = BmsExchangeRate.BASE_CURRENCY;
-    /** 新客户默认总额度（CNY） */
-    private static final BigDecimal DEFAULT_CREDIT = new BigDecimal("1000");
    /** 金额保留位数 */
    private static final int MONEY_SCALE = 2;

@@ -59,6 +60,10 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
    @Autowired
    private IBmsExchangeRateService exchangeRateService;

+    /** 客户资金公共服务：账户/余额/授信额度变动统一收口 */
+    @Autowired
+    private ICustomerAccountApi customerAccountApi;
+
    @Override
    @Transactional(rollbackFor = Exception.class)
    public List<CustomerAccount> selectAccountList(Long customerId)
@@ -70,8 +75,8 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
            CustomerAccount account = list.get(i);
            if (BASE_CURRENCY.equals(account.getCurrency()) && isTempCreditExpired(account))
            {
-                CustomerAccount locked = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
-                expireTempCreditIfNeeded(locked);
+                CustomerAccount locked = customerAccountApi.lockCnyAccount(customerId);
+                customerAccountApi.expireTempCreditIfNeeded(locked);
                if (locked != null)
                {
                    list.set(i, locked);
@@ -193,46 +198,24 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
                ? receipt.getBaseAmount()
                : originalAmount.multiply(rate).setScale(MONEY_SCALE, RoundingMode.HALF_UP);

-        // 1. 行锁锁定客户本位币(CNY)账户，不存在则按客户档案额度自动初始化。无论收什么币种，一律折算 CNY 入账
-        CustomerAccount account = getOrInitCnyAccount(receipt.getCustomerId(), username);
-
-        // 2. 本位币余额变动（预充值/混合增加余额；还款核销释放已用额度）
-        BigDecimal beforeBalance = nz(account.getBalance());
-        BigDecimal afterBalance = beforeBalance.add(baseAmount);
-        BigDecimal frozenBalance = nz(account.getFrozenBalance());
-
-        account.setBalance(afterBalance);
-        account.setUpdateBy(username);
+        // 1. 本位币入账（公共资金服务内完成：锁户/初始化 -> 余额变动 -> 余额流水）。
        // 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)
-        {
-            throw new ServiceException("账户余额已被其他操作变动，请刷新后重试");
-        }
+        BalanceChangeCommand fundCmd = new BalanceChangeCommand();
+        fundCmd.setCustomerId(receipt.getCustomerId());
+        // 流水保留收款原币；无论收什么币种，一律锁CNY账户折算入账
+        fundCmd.setCurrency(currency);
+        fundCmd.setAccountCurrency(BASE_CURRENCY);
+        fundCmd.setAmount(originalAmount);
+        fundCmd.setExchangeRate(rate);
+        fundCmd.setBaseAmount(baseAmount);
+        fundCmd.setBizType(CustomerFundBizType.RECEIPT);
+        fundCmd.setBizId(receipt.getId());
+        fundCmd.setBizNo(receipt.getReceiptNo());
+        fundCmd.setReoccupyUsedCredit(false);
+        fundCmd.setRemark("收款单审核通过：" + receipt.getReceiptNo());
+        customerAccountApi.refundBalance(fundCmd);

-        // 3. 写余额流水：原币金额留痕，本位币金额参与余额变动
-        CustomerBalanceFlow flow = new CustomerBalanceFlow();
-        flow.setFlowNo(generateNo("LS"));
-        flow.setCustomerId(receipt.getCustomerId());
-        flow.setAccountId(account.getId());
-        flow.setCurrency(currency);
-        flow.setExchangeRate(rate);
-        flow.setBaseAmount(baseAmount);
-        flow.setBizType(CustomerBalanceFlow.BIZ_RECEIPT);
-        flow.setBizId(receipt.getId());
-        flow.setBizNo(receipt.getReceiptNo());
-        flow.setDirection(1);
-        flow.setAmount(originalAmount);
-        flow.setBeforeBalance(beforeBalance);
-        flow.setAfterBalance(afterBalance);
-        flow.setBeforeFrozenBalance(frozenBalance);
-        flow.setAfterFrozenBalance(frozenBalance);
-        flow.setOperatorId(userId);
-        flow.setCreateBy(username);
-        flow.setRemark("收款单审核通过：" + receipt.getReceiptNo());
-        customerMoneyMapper.insertFlow(flow);
-
-        // 4. 收款单置为已确认
+        // 2. 收款单置为已确认
        receipt.setStatus(CustomerReceipt.STATUS_CONFIRMED);
        receipt.setConfirmedAt(new Date());
        receipt.setConfirmedBy(userId);
@@ -571,8 +554,8 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
        cmd.setReason(reason);
        boolean isTemp = CustomerCreditFlow.CREDIT_TYPE_TEMP.equals(creditType);

-        CustomerAccount account = getOrInitCnyAccount(cmd.getCustomerId(), username);
-        expireTempCreditIfNeeded(account);
+        CustomerAccount account = customerAccountApi.lockCnyAccount(cmd.getCustomerId());
+        customerAccountApi.expireTempCreditIfNeeded(account);

        BigDecimal before = isTemp ? nz(account.getExtraCredit()) : nz(account.getTotalCredit());
        BigDecimal otherCredit = isTemp ? nz(account.getTotalCredit()) : nz(account.getExtraCredit());
@@ -624,292 +607,19 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
        return account;
    }

-    /* ================= 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 ================= */

    /**
-     * 新建客户时默认初始化CNY账户：余额0，总额度默认1000 CNY
-     * （客户档案已填信用额度且大于0时按档案值），并写 INIT 流水；已存在则跳过。
+     * 新建客户时默认初始化CNY账户（委托公共资金服务统一收口）
     */
    @Override
    @Transactional(rollbackFor = Exception.class)
    public int initDefaultCnyAccount(Long customerId)
    {
-        if (customerId == null)
-        {
-            throw new ServiceException("客户ID不能为空");
-        }
-        String username = SecurityUtils.getUsername();
-        CustomerAccount account = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
-        if (account != null)
-        {
-            return 1;
-        }
-        BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
-        if (customer == null)
-        {
-            throw new ServiceException("客户不存在");
-        }
-        BigDecimal initCredit = nz(customer.getCreditEd());
-        if (initCredit.compareTo(BigDecimal.ZERO) <= 0)
-        {
-            initCredit = DEFAULT_CREDIT;
-        }
-        BigDecimal initTemp = nz(customer.getTempEd());
-        account = createCnyAccount(customerId, initCredit, initTemp, username);
-        // 档案额度与实际初始额度保持一致
-        bmsCustomerMapper.updateCustomerCredit(customerId, initCredit, initTemp, username);
-        writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_CREDIT,
-                initCredit, null, null, username, "新客户默认初始化额度1000 CNY");
-        if (initTemp.compareTo(BigDecimal.ZERO) > 0)
-        {
-            writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
-                    initTemp, null, null, username, "新客户初始化临时额度");
-        }
-        return 1;
+        return customerAccountApi.initDefaultCnyAccount(customerId);
    }

-    /** 行锁获取客户CNY账户，不存在则按客户档案当前额度初始化创建 */
-    private CustomerAccount getOrInitCnyAccount(Long customerId, String username)
-    {
-        CustomerAccount account = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
-        if (account == null)
-        {
-            BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
-            if (customer == null)
-            {
-                throw new ServiceException("客户不存在");
-            }
-            BigDecimal initCredit = nz(customer.getCreditEd());
-            BigDecimal initTemp = nz(customer.getTempEd());
-            account = createCnyAccount(customerId, initCredit, initTemp, username);
-            writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_CREDIT,
-                    initCredit, null, null, username, "首次创建CNY账户，从客户档案同步初始额度");
-            if (initTemp.compareTo(BigDecimal.ZERO) > 0)
-            {
-                writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
-                        initTemp, null, null, username, "首次创建CNY账户，从客户档案同步临时额度");
-            }
-        }
-        return account;
-    }
-
-    /** 创建CNY账户（余额0，已用0） */
-    private CustomerAccount createCnyAccount(Long customerId, BigDecimal totalCredit,
-            BigDecimal extraCredit, String username)
-    {
-        CustomerAccount account = new CustomerAccount();
-        account.setCustomerId(customerId);
-        account.setCurrency(BASE_CURRENCY);
-        account.setBalance(BigDecimal.ZERO);
-        account.setFrozenBalance(BigDecimal.ZERO);
-        account.setTotalCredit(totalCredit);
-        account.setExtraCredit(extraCredit);
-        account.setUsedCredit(BigDecimal.ZERO);
-        account.setTax(BigDecimal.ZERO);
-        account.setVersion(0);
-        account.setCreateBy(username);
-        customerMoneyMapper.insertAccount(account);
-        return account;
-    }
-
-    /**
-     * 账户首次初始化时写额度 INIT 流水（从客户档案额度同步）
-     */
-    private void writeInitFlow(CustomerAccount account, String creditType,
-            BigDecimal initAmount, Date effectiveDate, Date expireDate,
-            String username, String remark)
-    {
-        CustomerCreditFlow flow = new CustomerCreditFlow();
-        flow.setFlowNo(generateNo("EDLS"));
-        flow.setCustomerId(account.getCustomerId());
-        flow.setAccountId(account.getId());
-        flow.setCreditType(creditType);
-        flow.setChangeType(CustomerCreditFlow.CHANGE_INIT);
-        flow.setDirection(initAmount.compareTo(BigDecimal.ZERO) > 0 ? 1 : 0);
-        flow.setBeforeAmount(BigDecimal.ZERO);
-        flow.setChangeAmount(initAmount);
-        flow.setAfterAmount(initAmount);
-        flow.setUsedCredit(nz(account.getUsedCredit()));
-        flow.setEffectiveDate(effectiveDate);
-        flow.setExpireDate(expireDate);
-        flow.setReason("账户初始化");
-        flow.setOperatorId(SecurityUtils.getUserId());
-        flow.setCreateBy(username);
-        flow.setRemark(remark);
-        flow.setDelFlag("0");
-        customerMoneyMapper.insertCreditFlow(flow);
-    }
-
-    /** 临时额度是否已过期：有失效日期且今天已晚于失效日（失效日当天仍有效） */
+    /** 临时额度是否已过期：有失效日期且今天已晚于失效日（失效日当天仍有效）。仅只读判断，不落库 */
    private boolean isTempCreditExpired(CustomerAccount account)
    {
        return account != null
@@ -918,50 +628,6 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
                && LocalDate.now().isAfter(toLocalDate(account.getExtraExpireDate()));
    }

-    /**
-     * 临时额度到期自动失效：额度清零 -> 回写客户档案 -> 写EXPIRE流水。
-     * 入参必须是事务内行锁查出的账户。
-     */
-    private void expireTempCreditIfNeeded(CustomerAccount account)
-    {
-        if (account == null || !isTempCreditExpired(account))
-        {
-            return;
-        }
-        String username = SecurityUtils.getUsername();
-        BigDecimal before = nz(account.getExtraCredit());
-        account.setExtraCredit(BigDecimal.ZERO);
-        account.setUpdateBy(username);
-        int rows = customerMoneyMapper.updateAccountCredit(account);
-        if (rows == 0)
-        {
-            throw new ServiceException("账户额度已被其他操作变动，请刷新后重试");
-        }
-        account.setVersion(account.getVersion() + 1);
-        bmsCustomerMapper.updateCustomerCredit(account.getCustomerId(),
-                nz(account.getTotalCredit()), BigDecimal.ZERO, username);
-
-        CustomerCreditFlow flow = new CustomerCreditFlow();
-        flow.setFlowNo(generateNo("EDLS"));
-        flow.setCustomerId(account.getCustomerId());
-        flow.setAccountId(account.getId());
-        flow.setCreditType(CustomerCreditFlow.CREDIT_TYPE_TEMP);
-        flow.setChangeType(CustomerCreditFlow.CHANGE_EXPIRE);
-        flow.setDirection(-1);
-        flow.setBeforeAmount(before);
-        flow.setChangeAmount(before);
-        flow.setAfterAmount(BigDecimal.ZERO);
-        flow.setUsedCredit(nz(account.getUsedCredit()));
-        flow.setEffectiveDate(account.getExtraEffectiveDate());
-        flow.setExpireDate(account.getExtraExpireDate());
-        flow.setReason("临时额度到期自动失效");
-        flow.setOperatorId(SecurityUtils.getUserId());
-        flow.setCreateBy(username);
-        flow.setRemark("系统在访问账户时检测到临时额度已过失效日期，自动置零");
-        flow.setDelFlag("0");
-        customerMoneyMapper.insertCreditFlow(flow);
-    }
-
    private LocalDate toLocalDate(Date date)
    {
        return date.toInstant().atZone(java.time.ZoneId.systemDefault()).toLocalDate();