分期设计方案

根据上期总应还+已还计算结余金额

具体业务逻辑

结束

记录消还流水t_bill_flow@2credit并展示

记录至当前账单(新增字段消还金额)

记录消还流水t_bill_flow@1debt并展示

页面提示

上期账单清帐关闭

前置条件：1. 用户未逾期、未冻结、未锁住

最终账单及消还流水返回

CN

当月未出账单（t_credit_bill）：

不满足

customer_idcustomer_namecustomer_phonecredited_amountconsume_amount=结余金额service_amount=0overdue_amount=0credited_amount_paid=0overdue_amount_paid=0service_amount_paid=0repayment_date=确认end_date=确认start_date=确认period=确认interest_date=确认customer_typestatus=OPENbill_type=next_bill_typelast_status=OUTfinish_time=nullcreate_timeupdate_timetotal_should_pay_amount=入账结余金额total_paid_amount=

新未出账单流水(t_credit_bill)：

idcustomer_idcustomer_namecustomer_phonecredited_amount：结余金额 * 10%consume_amount=0service_amount=0overdue_amount=0credited_amount_paid=0overdue_amount_paid=0service_amount_paid=0repayment_date=确认end_date=确认start_date=确认period=确认interest_date=确认customer_type=确认status=OPENbill_type=bill_typelast_status=nullfinish_time=nullcreate_timeupdate_timetotal_should_pay_amount=（总应还-总已还）*10%total_paid_amount=0

返回多笔分期账单

前置条件

后台最小还款接口2：执行最小还款

单期

入当月新账单

后台用户状态接口1: 查询状态

上期账单（t_credit_bill）：

后台最小还款接口2

后台用户状态接口1

#1 idcustomer_idcustomer_namecustomer_phonecredited_amountconsume_amountservice_amountoverdue_amountcredited_amount_paidoverdue_amount_paidservice_amount_paidrepayment_dateend_datestart_dateperiodinterest_datecustomer_typestatusbill_typelast_statusfinish_timecreate_timeupdate_timetotal_should_pay_amounttotal_paid_amount

多期

最小还款按钮确定

账单分期详情(t_installment_detail)：

后端

记录至多期账单的第一期(新增字段消还金额/分期期数)

账单转换开始

生成账单分期详情（类型为单期）

账单明细

idout_bill_identer_bill_idcustomer_idcustomer_namecustomer_phonetotal_amount：分期总金额previous_amount：分期上期应还金额current_amount：分期当期应还金额total_paid_amount：总已还bill_type：账单类型MIN_REPAY_SINGLE/MIN_REPAY_MULTIprincipleAmount:分期总本金：sum(credited_amount)interestAmount:分期总利息：sum(service_amount)create_timeupdate_time

#2 idcustomer_idcustomer_namecustomer_phonecredited_amountconsume_amountservice_amountoverdue_amountcredited_amount_paidoverdue_amount_paidservice_amount_paidrepayment_dateend_datestart_dateperiodinterest_datecustomer_typestatusbill_typelast_statusfinish_timecreate_timeupdate_timetotal_should_pay_amounttotal_paid_amount

根据消还金额+当前账单金额生成多期账单分期详情（每一期应还+手续费，类型为多期）

满足