更新政府端和银行端

bank-backend/models/Account.js

@@ -0,0 +1,224 @@
+/**
+ * 账户模型
+ * @file Account.js
+ * @description 银行账户模型定义
+ */
+const { DataTypes } = require('sequelize');
+const BaseModel = require('./BaseModel');
+const { sequelize } = require('../config/database');
+
+class Account extends BaseModel {
+  /**
+   * 获取账户余额（元）
+   * @returns {String} 格式化后的余额
+   */
+  getBalanceFormatted() {
+    return this.formatAmount(this.balance);
+  }
+
+  /**
+   * 获取可用余额（元）
+   * @returns {String} 格式化后的可用余额
+   */
+  getAvailableBalanceFormatted() {
+    return this.formatAmount(this.available_balance);
+  }
+
+  /**
+   * 获取冻结金额（元）
+   * @returns {String} 格式化后的冻结金额
+   */
+  getFrozenAmountFormatted() {
+    return this.formatAmount(this.frozen_amount);
+  }
+
+  /**
+   * 检查账户是否可用
+   * @returns {Boolean} 是否可用
+   */
+  isActive() {
+    return this.status === 'active';
+  }
+
+  /**
+   * 检查余额是否充足
+   * @param {Number} amount 金额（分）
+   * @returns {Boolean} 余额是否充足
+   */
+  hasSufficientBalance(amount) {
+    return this.available_balance >= amount;
+  }
+
+  /**
+   * 冻结资金
+   * @param {Number} amount 金额（分）
+   * @returns {Promise<Boolean>} 操作结果
+   */
+  async freezeAmount(amount) {
+    if (!this.hasSufficientBalance(amount)) {
+      return false;
+    }
+    
+    this.available_balance -= amount;
+    this.frozen_amount += amount;
+    await this.save();
+    return true;
+  }
+
+  /**
+   * 解冻资金
+   * @param {Number} amount 金额（分）
+   * @returns {Promise<Boolean>} 操作结果
+   */
+  async unfreezeAmount(amount) {
+    if (this.frozen_amount < amount) {
+      return false;
+    }
+    
+    this.available_balance += amount;
+    this.frozen_amount -= amount;
+    await this.save();
+    return true;
+  }
+
+  /**
+   * 扣减余额
+   * @param {Number} amount 金额（分）
+   * @returns {Promise<Boolean>} 操作结果
+   */
+  async deductBalance(amount) {
+    if (!this.hasSufficientBalance(amount)) {
+      return false;
+    }
+    
+    this.balance -= amount;
+    this.available_balance -= amount;
+    await this.save();
+    return true;
+  }
+
+  /**
+   * 增加余额
+   * @param {Number} amount 金额（分）
+   * @returns {Promise<Boolean>} 操作结果
+   */
+  async addBalance(amount) {
+    this.balance += amount;
+    this.available_balance += amount;
+    await this.save();
+    return true;
+  }
+
+  /**
+   * 获取账户交易记录
+   * @param {Object} options 查询选项
+   * @returns {Promise<Array>} 交易记录列表
+   */
+  async getTransactions(options = {}) {
+    try {
+      const { Transaction } = require('./index');
+      return await Transaction.findAll({
+        where: {
+          account_id: this.id,
+          ...options.where
+        },
+        order: [['created_at', 'DESC']],
+        limit: options.limit || 50,
+        ...options
+      });
+    } catch (error) {
+      console.error('获取账户交易记录失败:', error);
+      return [];
+    }
+  }
+}
+
+// 初始化Account模型
+Account.init({
+  id: {
+    type: DataTypes.INTEGER,
+    primaryKey: true,
+    autoIncrement: true
+  },
+  account_number: {
+    type: DataTypes.STRING(20),
+    allowNull: false,
+    unique: true,
+    comment: '账户号码'
+  },
+  user_id: {
+    type: DataTypes.INTEGER,
+    allowNull: false,
+    references: {
+      model: 'bank_users',
+      key: 'id'
+    }
+  },
+  account_type: {
+    type: DataTypes.ENUM('savings', 'checking', 'credit', 'loan'),
+    allowNull: false,
+    defaultValue: 'savings',
+    comment: '账户类型：储蓄、支票、信用卡、贷款'
+  },
+  balance: {
+    type: DataTypes.BIGINT,
+    allowNull: false,
+    defaultValue: 0,
+    comment: '账户余额（分）'
+  },
+  available_balance: {
+    type: DataTypes.BIGINT,
+    allowNull: false,
+    defaultValue: 0,
+    comment: '可用余额（分）'
+  },
+  frozen_amount: {
+    type: DataTypes.BIGINT,
+    allowNull: false,
+    defaultValue: 0,
+    comment: '冻结金额（分）'
+  },
+  currency: {
+    type: DataTypes.STRING(3),
+    allowNull: false,
+    defaultValue: 'CNY',
+    comment: '货币类型'
+  },
+  interest_rate: {
+    type: DataTypes.DECIMAL(5, 4),
+    allowNull: true,
+    comment: '利率（年化）'
+  },
+  status: {
+    type: DataTypes.ENUM('active', 'inactive', 'frozen', 'closed'),
+    allowNull: false,
+    defaultValue: 'active'
+  },
+  opened_at: {
+    type: DataTypes.DATE,
+    allowNull: false,
+    defaultValue: DataTypes.NOW,
+    comment: '开户时间'
+  },
+  closed_at: {
+    type: DataTypes.DATE,
+    allowNull: true,
+    comment: '销户时间'
+  },
+  created_at: {
+    type: DataTypes.DATE,
+    allowNull: false,
+    defaultValue: DataTypes.NOW
+  },
+  updated_at: {
+    type: DataTypes.DATE,
+    allowNull: false,
+    defaultValue: DataTypes.NOW
+  }
+}, {
+  sequelize,
+  tableName: 'bank_accounts',
+  modelName: 'Account'
+});
+
+module.exports = Account;