feat(server): 商业化支付与订单系统 + Harness 改进

- 新增商业化模块：Stripe/Binance Pay 支付、邮箱登录、订单管理 - 新增数据模型：ReportProduct, ReportEntitlement, ReportSnapshot, PaymentEvent, EmailLoginCode - 新增 API：/api/commerce/checkout, /api/commerce/webhooks/*, /api/commerce/orders/* - 新增管理后台：订单列表、统计图表、统一 AdminHeader 组件 - 新增中间件测试：RateLimit, Auth, CORS 共 7 个测试用例 - 新增 AGENTS.md 项目代理指令文件 - 新增 REMINDER.md 商业化功能开发规范 - 修复 JWT 解析：添加 WithValidMethods 限制 HS256 - 修复 GetPayStatus：增加用户权限校验 - 更新 .gitignore 和 README.md
2026-09-19 18:57:23 +00:00
parent 241a04496b
commit deb32f8fab
52 changed files with 5419 additions and 339 deletions
@@ -0,0 +1,336 @@
+package service
+
+import (
+	"context"
+	"crypto/hmac"
+	"crypto/rand"
+	"crypto/rsa"
+	"crypto/sha256"
+	"crypto/sha512"
+	"crypto/x509"
+	"encoding/base64"
+	"encoding/hex"
+	"encoding/json"
+	"encoding/pem"
+	"errors"
+	"fmt"
+	"io"
+	"net/http"
+	"net/url"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/gouki/lunar-server/internal/config"
+	"github.com/gouki/lunar-server/internal/model"
+)
+
+type CheckoutResult struct {
+	ProviderOrderID string
+	CheckoutURL     string
+}
+
+type PaymentWebhook struct {
+	EventID         string
+	EventType       string
+	OrderNo         string
+	ProviderOrderID string
+	TransactionID   string
+	Amount          string
+	Currency        string
+	Status          string
+	PayloadHash     string
+}
+
+type StripeProvider struct {
+	config config.StripeConfig
+	client *http.Client
+}
+
+type BinancePayProvider struct {
+	config config.BinancePayConfig
+	client *http.Client
+}
+
+func NewStripeProvider(cfg config.StripeConfig) *StripeProvider {
+	return &StripeProvider{config: cfg, client: &http.Client{Timeout: 15 * time.Second}}
+}
+
+func NewBinancePayProvider(cfg config.BinancePayConfig) *BinancePayProvider {
+	return &BinancePayProvider{config: cfg, client: &http.Client{Timeout: 15 * time.Second}}
+}
+
+func (p *StripeProvider) CreateCheckout(ctx context.Context, order *model.Order, webAppURL string) (*CheckoutResult, error) {
+	if p.config.SecretKey == "" {
+		return nil, errors.New("stripe is not configured")
+	}
+	values := url.Values{}
+	values.Set("mode", "payment")
+	values.Set("success_url", strings.TrimRight(webAppURL, "/")+"/?payment=success&order="+url.QueryEscape(order.OrderNo))
+	values.Set("cancel_url", strings.TrimRight(webAppURL, "/")+"/?payment=cancelled&order="+url.QueryEscape(order.OrderNo))
+	values.Set("customer_email", order.CustomerEmail)
+	values.Set("line_items[0][quantity]", "1")
+	values.Set("line_items[0][price_data][currency]", strings.ToLower(order.Currency))
+	values.Set("line_items[0][price_data][unit_amount]", strconv.Itoa(order.Amount))
+	values.Set("line_items[0][price_data][product_data][name]", order.ProductName)
+	values.Set("line_items[0][price_data][product_data][description]", "一次购买，永久解锁完整报告")
+	values.Set("metadata[order_no]", order.OrderNo)
+	values.Set("metadata[report_id]", order.ReportID)
+	values.Set("metadata[user_id]", strconv.FormatUint(uint64(order.UserID), 10))
+
+	req, err := http.NewRequestWithContext(ctx, http.MethodPost, strings.TrimRight(p.config.APIBaseURL, "/")+"/v1/checkout/sessions", strings.NewReader(values.Encode()))
+	if err != nil {
+		return nil, err
+	}
+	req.Header.Set("Authorization", "Bearer "+p.config.SecretKey)
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	req.Header.Set("Idempotency-Key", "checkout-"+order.OrderNo)
+	resp, err := p.client.Do(req)
+	if err != nil {
+		return nil, err
+	}
+	defer resp.Body.Close()
+	body, err := io.ReadAll(io.LimitReader(resp.Body, 1<<20))
+	if err != nil {
+		return nil, err
+	}
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		return nil, fmt.Errorf("stripe create checkout failed: status=%d body=%s", resp.StatusCode, safeProviderError(body))
+	}
+	var payload struct {
+		ID  string `json:"id"`
+		URL string `json:"url"`
+	}
+	if err := json.Unmarshal(body, &payload); err != nil || payload.ID == "" || payload.URL == "" {
+		return nil, errors.New("stripe returned an invalid checkout response")
+	}
+	return &CheckoutResult{ProviderOrderID: payload.ID, CheckoutURL: payload.URL}, nil
+}
+
+func (p *StripeProvider) ParseWebhook(raw []byte, signature string, now time.Time) (*PaymentWebhook, error) {
+	if p.config.WebhookSecret == "" {
+		return nil, errors.New("stripe webhook is not configured")
+	}
+	parts := strings.Split(signature, ",")
+	var timestamp int64
+	var signatures []string
+	for _, part := range parts {
+		pair := strings.SplitN(strings.TrimSpace(part), "=", 2)
+		if len(pair) != 2 {
+			continue
+		}
+		if pair[0] == "t" {
+			timestamp, _ = strconv.ParseInt(pair[1], 10, 64)
+		}
+		if pair[0] == "v1" {
+			signatures = append(signatures, pair[1])
+		}
+	}
+	if timestamp == 0 || len(signatures) == 0 || now.Sub(time.Unix(timestamp, 0)) > 5*time.Minute || time.Unix(timestamp, 0).Sub(now) > 5*time.Minute {
+		return nil, errors.New("invalid stripe webhook timestamp")
+	}
+	mac := hmac.New(sha256.New, []byte(p.config.WebhookSecret))
+	mac.Write([]byte(strconv.FormatInt(timestamp, 10)))
+	mac.Write([]byte("."))
+	mac.Write(raw)
+	expected := hex.EncodeToString(mac.Sum(nil))
+	valid := false
+	for _, candidate := range signatures {
+		if hmac.Equal([]byte(expected), []byte(candidate)) {
+			valid = true
+			break
+		}
+	}
+	if !valid {
+		return nil, errors.New("invalid stripe webhook signature")
+	}
+	var event struct {
+		ID   string `json:"id"`
+		Type string `json:"type"`
+		Data struct {
+			Object struct {
+				ID            string            `json:"id"`
+				PaymentIntent string            `json:"payment_intent"`
+				PaymentStatus string            `json:"payment_status"`
+				AmountTotal   int64             `json:"amount_total"`
+				Currency      string            `json:"currency"`
+				Metadata      map[string]string `json:"metadata"`
+			} `json:"object"`
+		} `json:"data"`
+	}
+	if err := json.Unmarshal(raw, &event); err != nil || event.ID == "" {
+		return nil, errors.New("invalid stripe webhook body")
+	}
+	status := "ignored"
+	switch event.Type {
+	case "checkout.session.completed":
+		if event.Data.Object.PaymentStatus == "paid" {
+			status = "paid"
+		}
+	case "checkout.session.async_payment_succeeded":
+		status = "paid"
+	case "checkout.session.expired", "checkout.session.async_payment_failed":
+		status = "cancelled"
+	case "charge.refunded":
+		status = "refunded"
+	}
+	return &PaymentWebhook{
+		EventID: event.ID, EventType: event.Type, OrderNo: event.Data.Object.Metadata["order_no"],
+		ProviderOrderID: event.Data.Object.ID, TransactionID: event.Data.Object.PaymentIntent,
+		Amount: strconv.FormatInt(event.Data.Object.AmountTotal, 10), Currency: strings.ToUpper(event.Data.Object.Currency),
+		Status: status, PayloadHash: hashPayload(raw),
+	}, nil
+}
+
+func (p *BinancePayProvider) CreateCheckout(ctx context.Context, order *model.Order, webAppURL, publicBaseURL string) (*CheckoutResult, error) {
+	if p.config.APIKey == "" || p.config.SecretKey == "" {
+		return nil, errors.New("binance pay is not configured")
+	}
+	payload := map[string]interface{}{
+		"env":             map[string]string{"terminalType": "WEB"},
+		"merchantTradeNo": order.OrderNo,
+		"orderAmount":     order.ProviderAmount,
+		"currency":        order.Currency,
+		"goods":           map[string]string{"goodsType": "02", "goodsCategory": "D000", "referenceGoodsId": order.ReportID, "goodsName": order.ProductName},
+		"returnUrl":       strings.TrimRight(webAppURL, "/") + "/?payment=success&order=" + url.QueryEscape(order.OrderNo),
+		"cancelUrl":       strings.TrimRight(webAppURL, "/") + "/?payment=cancelled&order=" + url.QueryEscape(order.OrderNo),
+		"webhookUrl":      strings.TrimRight(publicBaseURL, "/") + "/api/commerce/webhooks/binance-pay",
+		"orderExpireTime": time.Now().Add(30 * time.Minute).UnixMilli(),
+	}
+	body, err := json.Marshal(payload)
+	if err != nil {
+		return nil, err
+	}
+	timestamp := strconv.FormatInt(time.Now().UnixMilli(), 10)
+	nonceBytes := make([]byte, 16)
+	if _, err := rand.Read(nonceBytes); err != nil {
+		return nil, err
+	}
+	nonce := hex.EncodeToString(nonceBytes)
+	mac := hmac.New(sha512.New, []byte(p.config.SecretKey))
+	mac.Write([]byte(timestamp + "\n" + nonce + "\n" + string(body) + "\n"))
+	signature := strings.ToUpper(hex.EncodeToString(mac.Sum(nil)))
+	req, err := http.NewRequestWithContext(ctx, http.MethodPost, strings.TrimRight(p.config.APIBaseURL, "/")+"/binancepay/openapi/v2/order", strings.NewReader(string(body)))
+	if err != nil {
+		return nil, err
+	}
+	req.Header.Set("Content-Type", "application/json")
+	req.Header.Set("BinancePay-Timestamp", timestamp)
+	req.Header.Set("BinancePay-Nonce", nonce)
+	req.Header.Set("BinancePay-Certificate-SN", p.config.APIKey)
+	req.Header.Set("BinancePay-Signature", signature)
+	resp, err := p.client.Do(req)
+	if err != nil {
+		return nil, err
+	}
+	defer resp.Body.Close()
+	responseBody, err := io.ReadAll(io.LimitReader(resp.Body, 1<<20))
+	if err != nil {
+		return nil, err
+	}
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		return nil, fmt.Errorf("binance pay create order failed: status=%d body=%s", resp.StatusCode, safeProviderError(responseBody))
+	}
+	var response struct {
+		Status string `json:"status"`
+		Code   string `json:"code"`
+		Data   struct {
+			PrepayID     string `json:"prepayId"`
+			UniversalURL string `json:"universalUrl"`
+			CheckoutURL  string `json:"checkoutUrl"`
+		} `json:"data"`
+	}
+	if err := json.Unmarshal(responseBody, &response); err != nil || response.Status != "SUCCESS" || response.Data.PrepayID == "" {
+		return nil, fmt.Errorf("binance pay rejected order: code=%s", response.Code)
+	}
+	checkoutURL := response.Data.CheckoutURL
+	if checkoutURL == "" {
+		checkoutURL = response.Data.UniversalURL
+	}
+	if checkoutURL == "" {
+		return nil, errors.New("binance pay returned no checkout URL")
+	}
+	return &CheckoutResult{ProviderOrderID: response.Data.PrepayID, CheckoutURL: checkoutURL}, nil
+}
+
+func (p *BinancePayProvider) ParseWebhook(raw []byte, timestamp, nonce, signature string) (*PaymentWebhook, error) {
+	if p.config.WebhookPublicKey == "" {
+		return nil, errors.New("binance pay webhook public key is not configured")
+	}
+	block, _ := pem.Decode([]byte(strings.ReplaceAll(p.config.WebhookPublicKey, "\\n", "\n")))
+	if block == nil {
+		return nil, errors.New("invalid binance pay webhook public key")
+	}
+	parsed, err := x509.ParsePKIXPublicKey(block.Bytes)
+	if err != nil {
+		if certificate, certErr := x509.ParseCertificate(block.Bytes); certErr == nil {
+			parsed = certificate.PublicKey
+		} else if rsaKey, rsaErr := x509.ParsePKCS1PublicKey(block.Bytes); rsaErr == nil {
+			parsed = rsaKey
+		} else {
+			return nil, err
+		}
+	}
+	publicKey, ok := parsed.(*rsa.PublicKey)
+	if !ok {
+		return nil, errors.New("binance pay webhook key is not RSA")
+	}
+	decodedSignature, err := base64.StdEncoding.DecodeString(signature)
+	if err != nil {
+		return nil, errors.New("invalid binance pay webhook signature encoding")
+	}
+	payload := []byte(timestamp + "\n" + nonce + "\n" + string(raw) + "\n")
+	digest := sha256.Sum256(payload)
+	if err := rsa.VerifyPKCS1v15(publicKey, cryptoHashSHA256, digest[:], decodedSignature); err != nil {
+		return nil, errors.New("invalid binance pay webhook signature")
+	}
+	var envelope struct {
+		BizType   string `json:"bizType"`
+		BizIDStr  string `json:"bizIdStr"`
+		BizStatus string `json:"bizStatus"`
+		Data      string `json:"data"`
+	}
+	if err := json.Unmarshal(raw, &envelope); err != nil || envelope.BizIDStr == "" {
+		return nil, errors.New("invalid binance pay webhook body")
+	}
+	var data struct {
+		MerchantTradeNo string      `json:"merchantTradeNo"`
+		TransactionID   string      `json:"transactionId"`
+		TotalFee        json.Number `json:"totalFee"`
+		Currency        string      `json:"currency"`
+	}
+	decoder := json.NewDecoder(strings.NewReader(envelope.Data))
+	decoder.UseNumber()
+	if err := decoder.Decode(&data); err != nil {
+		return nil, errors.New("invalid binance pay webhook data")
+	}
+	status := "ignored"
+	switch envelope.BizStatus {
+	case "PAY_SUCCESS":
+		status = "paid"
+	case "PAY_CLOSED":
+		status = "cancelled"
+	case "REFUND_SUCCESS":
+		status = "refunded"
+	}
+	return &PaymentWebhook{
+		EventID: envelope.BizIDStr + ":" + envelope.BizStatus, EventType: envelope.BizStatus,
+		OrderNo: data.MerchantTradeNo, ProviderOrderID: envelope.BizIDStr, TransactionID: data.TransactionID,
+		Amount: data.TotalFee.String(), Currency: strings.ToUpper(data.Currency), Status: status, PayloadHash: hashPayload(raw),
+	}, nil
+}
+
+const cryptoHashSHA256 = 5
+
+func hashPayload(raw []byte) string {
+	digest := sha256.Sum256(raw)
+	return hex.EncodeToString(digest[:])
+}
+
+func safeProviderError(body []byte) string {
+	text := strings.TrimSpace(string(body))
+	if len(text) > 500 {
+		text = text[:500]
+	}
+	return text
+}