保费到期提醒8

yd-csf-service/src/main/java/com/yd/csf/service/utils/RenewalDueDateCalculator.java

+package com.yd.csf.service.utils;
+
+import com.yd.csf.feign.enums.PaymentFrequencyEnum;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Objects;
+
+/**
+ * 保单续期保费到期日计算器。
+ *
+ * <p>规则对齐现有 Excel 模板「保费到期日」公式：</p>
+ * <ul>
+ *     <li>年缴每 12 个月、季缴每 3 个月、月缴每 1 个月为一个缴费日，以生效日为锚点；</li>
+ *     <li>取第一个严格晚于今天的缴费日；</li>
+ *     <li>缴费期满日 = 生效日 + 缴费年期年数 - 1 天，下一缴费日晚于期满日表示已缴完；</li>
+ *     <li>闰日（2/29）在非闰年由 LocalDate.plusMonths/plusYears 自动钳为 2/28。</li>
+ * </ul>
+ */
+public final class RenewalDueDateCalculator {
+
+    private RenewalDueDateCalculator() {
+    }
+
+    /**
+     * 计算单张保单的下一期保费到期日。
+     *
+     * @param effectiveDate 生效日
+     * @param frequency     缴费频率（PaymentFrequencyEnum 的 itemValue：YEAR/SEASON/MONTH/FULL_PAYMENT）
+     * @param issueNumber   缴费年期（年），库中类型不规整，可能为 Integer/String/BigDecimal
+     * @param today         当前日期（参数化便于测试）
+     * @return 计算结果；不纳入时 dueDate 为空并带跳过原因
+     */
+    public static Result calculate(LocalDate effectiveDate, String frequency, Object issueNumber, LocalDate today) {
+        String freq = StringUtils.trimToEmpty(frequency);
+
+        if (PaymentFrequencyEnum.FULL_PAYMENT.getItemValue().equals(freq)) {
+            return Result.skip("整付保单无续期保费", false);
+        }
+        int stepMonths;
+        if (PaymentFrequencyEnum.YEAR.getItemValue().equals(freq)) {
+            stepMonths = 12;
+        } else if (PaymentFrequencyEnum.SEASON.getItemValue().equals(freq)) {
+            stepMonths = 3;
+        } else if (PaymentFrequencyEnum.MONTH.getItemValue().equals(freq)) {
+            stepMonths = 1;
+        } else if (StringUtils.isBlank(freq)) {
+            return Result.skip("缴费频率为空", true);
+        } else {
+            return Result.skip("无法识别的缴费频率: " + freq, true);
+        }
+
+        if (Objects.isNull(effectiveDate)) {
+            return Result.skip("生效日为空", true);
+        }
+        Integer years = parseIssueNumber(issueNumber);
+        if (years == null) {
+            return Result.skip("缴费年期为空或无法解析: " + issueNumber, true);
+        }
+        if (years <= 0) {
+            return Result.skip("缴费年期非法: " + years, true);
+        }
+
+        LocalDate endDate = effectiveDate.plusYears(years).minusDays(1);
+        LocalDate candidate = effectiveDate;
+        while (!candidate.isAfter(today)) {
+            candidate = candidate.plusMonths(stepMonths);
+            if (candidate.isAfter(endDate)) {
+                return Result.skip("保单缴费期已满", false);
+            }
+        }
+        return Result.included(candidate);
+    }
+
+    /**
+     * 解析缴费年期为整数年，兼容 "5"、"5.0"、5、5.0(BigDecimal) 等存储形态。
+     */
+    private static Integer parseIssueNumber(Object issueNumber) {
+        if (Objects.isNull(issueNumber)) {
+            return null;
+        }
+        if (issueNumber instanceof Number) {
+            BigDecimal bd = new BigDecimal(issueNumber.toString());
+            return bd.signum() > 0 ? bd.intValue() : null;
+        }
+        String s = StringUtils.trimToNull(issueNumber.toString());
+        if (s == null) {
+            return null;
+        }
+        try {
+            BigDecimal bd = new BigDecimal(s);
+            return bd.signum() > 0 ? bd.intValue() : null;
+        } catch (NumberFormatException e) {
+            return null;
+        }
+    }
+
+    /**
+     * 计算结果：dueDate 非空表示纳入提醒，为空时 skipReason 说明原因。
+     */
+    @Getter
+    public static class Result {
+        private final LocalDate dueDate;
+        private final String skipReason;
+        /**
+         * 是否为异常数据跳过（缺字段/无法解析）；整付、缴完等正常排除为 false
+         */
+        private final boolean abnormal;
+
+        private Result(LocalDate dueDate, String skipReason, boolean abnormal) {
+            this.dueDate = dueDate;
+            this.skipReason = skipReason;
+            this.abnormal = abnormal;
+        }
+
+        public static Result included(LocalDate dueDate) {
+            return new Result(dueDate, null, false);
+        }
+
+        public static Result skip(String reason, boolean abnormal) {
+            return new Result(null, reason, abnormal);
+        }
+
+        public boolean isIncluded() {
+            return dueDate != null;
+        }
+    }
+}