shop-toy/src/api/loan.ts

// import { request } from '@/utils/http'
import type { LoanApplication, RelatedMerchant, AssistMaterial } from '@/typings/loan'
import { LoanStatus } from '@/typings/loan'

/**
 * [用户端] 获取用户交易过的商家列表
 */
export function getUserMerchants() {
  // Mock数据
  return new Promise<{ list: RelatedMerchant[] }>((resolve) => {
    setTimeout(() => {
      resolve({
        list: [
          {
            merchantId: 'M001',
            merchantName: '乐高玩具旗舰店',
            lastTradeTime: '2025-12-01',
            selected: false,
            assistStatus: 'pending'
          },
          {
            merchantId: 'M002',
            merchantName: '迪士尼官方店',
            lastTradeTime: '2025-11-20',
            selected: false,
            assistStatus: 'pending'
          },
          {
            merchantId: 'M003',
            merchantName: '泡泡玛特',
            lastTradeTime: '2025-11-15',
            selected: false,
            assistStatus: 'pending'
          },
          {
            merchantId: 'M004',
            merchantName: '奥特曼官方玩具店',
            lastTradeTime: '2025-11-10',
            selected: false,
            assistStatus: 'pending'
          },
          {
            merchantId: 'M005',
            merchantName: '玩具反斗城',
            lastTradeTime: '2025-11-05',
            selected: false,
            assistStatus: 'pending'
          },
          {
            merchantId: 'M006',
            merchantName: 'KidsLand',
            lastTradeTime: '2025-10-20',
            selected: false,
            assistStatus: 'pending'
          }
        ]
      })
    }, 500)
  })
}

/**
 * [用户端] 提交贷款申请
 */
export function submitLoanApplication(data: any) {
  return new Promise<{ id: string }>((resolve) => {
    setTimeout(() => {
      resolve({ id: `LA${Date.now()}` })
    }, 1000)
  })
}

// 模拟数据库
let mockDatabase: LoanApplication[] = []

/**
 * [银行端] 获取贷款申请列表
 */
export function getLoanApplicationList(params: any) {
  return new Promise<{ list: LoanApplication[], total: number }>((resolve) => {
    setTimeout(() => {
      // 如果没有数据，初始化一些 Mock 数据
      if (mockDatabase.length === 0) {
        mockDatabase = [
          {
            id: 'LA20251219001',
            userId: 'U001',
            userName: '张三',
            userPhone: '13800138000',
            amount: 50,
            term: 1,
            status: LoanStatus.SUBMITTED,
            createTime: '2025-12-19 10:00:00',
            updateTime: '2025-12-19 10:00:00',
            relatedMerchants: [
              {
                merchantId: 'M001',
                merchantName: '乐高玩具旗舰店',
                lastTradeTime: '2025-12-01',
                selected: true,
                assistStatus: 'pending'
              }
            ],
            personalInfo: {
              name: '张三',
              phone: '13800138000',
              idCard: '440106199001011234',
              region: ['广东省', '广州市', '天河区'],
              detailAddress: '天河路1号'
            },
            businessInfo: {
              businessProject: '玩具零售',
              businessTime: '3年',
              annualIncome: 100,
              hasDebt: 'no',
              loanDemand: 50,
              assets: ['house', 'car']
            },
            documentInfo: {
              businessLicense: 'https://via.placeholder.com/150',
              otherMaterials: []
            },
            processRecords: []
          }
        ]
      }
      
      resolve({
        list: mockDatabase,
        total: mockDatabase.length
      })
    }, 500)
  })
}

/**
 * [银行端] 获取贷款申请详情
 */
export function getLoanApplicationDetail(id: string) {
  return new Promise<LoanApplication>((resolve, reject) => {
    setTimeout(() => {
      const item = mockDatabase.find(i => i.id === id)
      if (item) {
        resolve(item)
      } else {
        // Fallback for demo
        if (mockDatabase.length > 0) resolve(mockDatabase[0])
        else reject('Not found')
      }
    }, 500)
  })
}

/**
 * [银行端] 流程操作
 */
export function operateLoanApplication(id: string, action: string, data?: any) {
  return new Promise<void>((resolve) => {
    setTimeout(() => {
      const item = mockDatabase.find(i => i.id === id)
      if (item) {
        // 更新状态逻辑
        switch (action) {
          case 'accept': item.status = LoanStatus.ACCEPTED; break;
          case 'investigate': item.status = LoanStatus.INVESTIGATING; break;
          case 'report': item.status = LoanStatus.REPORTED; break;
          case 'approve': item.status = LoanStatus.APPROVED; break;
          case 'sign': item.status = LoanStatus.SIGNED; break;
          case 'disburse': item.status = LoanStatus.DISBURSED; break;
          case 'reject': item.status = LoanStatus.REJECTED; break;
          case 'request_supplement': item.status = LoanStatus.PENDING_SUPPLEMENT; break;
        }
        
        // 添加记录
        item.processRecords.push({
          step: action as any,
          operator: '银行管理员',
          operateTime: new Date().toLocaleString(),
          ...data
        })
      }
      resolve()
    }, 500)
  })
}

/**
 * [商家端] 获取待办列表
 */
export function getMerchantPendingAssistList() {
  return new Promise<{ list: any[] }>((resolve) => {
    setTimeout(() => {
      // 找到所有关联了当前商家的未处理申请
      // 这里简化逻辑，直接返回 Mock
      resolve({
        list: [
          {
            loanId: 'LA20251219001',
            userName: '张三',
            applyTime: '2025-12-19 10:00:00',
            amount: 50,
            status: 'pending'
          }
        ]
      })
    }, 500)
  })
}

/**
 * [商家端] 提交辅助材料
 */
export function submitAssistMaterial(loanId: string, materials: any[]) {
  return new Promise<void>((resolve) => {
    setTimeout(() => {
      const item = mockDatabase.find(i => i.id === loanId) 
      // 简化：更新第一个匹配的商家状态
      if (item && item.relatedMerchants.length > 0) {
        item.relatedMerchants[0].assistStatus = 'submitted'
        item.relatedMerchants[0].materials = {
          merchantId: item.relatedMerchants[0].merchantId,
          merchantName: item.relatedMerchants[0].merchantName,
          loanApplicationId: loanId,
          materials: materials,
          submitTime: new Date().toLocaleString(),
          status: 'submitted'
        }
      }
      resolve()
    }, 800)
  })
}