支付宝花呗计算金额工具类

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本文介绍了一种用于计算花呗分期付款中各项费用的方法，包括每期本金、每期手续费及每期总费用等关键指标，并提供了具体实现的Java代码示例。

[url]https://docs.open.alipay.com/60/104790/[/url]
[url]https://doc.open.alipay.com/docs/doc.htm?spm=a219a.7629140.0.0.ZketYD&treeId=338&articleId=106464&docType=1[/url]
[url]https://docs.open.alipay.com/277/106748/[/url]

package com.baozun.store.util;

import java.math.BigDecimal;
import java.math.RoundingMode;
import java.util.HashMap;
import java.util.Map;

import org.slf4j.Logger;
import org.slf4j.LoggerFactory;

import com.baozun.store.constants.GucciAlipayConstants;

/**
 * 花呗分期工具
 * @author binrui.dong
 * 2017年7月25日 下午5:58:08
 */
public class InstallmentUtil{

    private static final Logger     LOG     = LoggerFactory.getLogger(InstallmentUtil.class);

    private static final BigDecimal ONE_HUNDRED = BigDecimal.valueOf(100);

    /**
     *  1、获取用户每期本金
     *  2、获取用户每期手续费
     *  3、获取用户每期总费用
     *  @param payAmount 总额
     *  @param periods 期数
     *	@return
     *	<p>binrui.dong
     *  <p>2017年7月25日 下午6:03:38
     */
    public static Map<String,BigDecimal> getInstallmentCost(BigDecimal payAmount, Integer periods){
        Map<String,BigDecimal> map = new HashMap<String,BigDecimal>();
        BigDecimal payAmountCent = payAmount.multiply(ONE_HUNDRED);//转化为分
        BigDecimal totalFeeInDecimal = null;
        switch (periods) {
            case 3:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                    .multiply(GucciAlipayConstants.HB_FQ_THREE_FEE_RATE).setScale(2, RoundingMode.HALF_UP);
                break;
            case 6:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                    .multiply(GucciAlipayConstants.HB_FQ_SIX_FEE_RATE).setScale(2, RoundingMode.HALF_UP);
                break;
            case 12:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                    .multiply(GucciAlipayConstants.HB_FQ_TWELVE_FEE_RATE).setScale(2, RoundingMode.HALF_UP);
                break;
        }

        map.put("allRateFee", totalFeeInDecimal.divide(ONE_HUNDRED,RoundingMode.HALF_EVEN).setScale(2, RoundingMode.HALF_EVEN));

        map.put("allFee", payAmountCent.add(totalFeeInDecimal).divide(ONE_HUNDRED).setScale(2, RoundingMode.HALF_EVEN));
        LOG.debug("总费用：" + map.get("allFee"));

        BigDecimal eachFee = map.get("allRateFee").setScale(2, RoundingMode.HALF_DOWN).divide(BigDecimal.valueOf(periods), RoundingMode.HALF_DOWN);//文档里是ROUND_DOWN
        map.put("eachFee", eachFee);
        LOG.debug("每期手续费：" + map.get("eachFee"));

        BigDecimal prinAndFee = map.get("allFee").setScale(2, RoundingMode.HALF_DOWN).divide(BigDecimal.valueOf(periods), RoundingMode.HALF_DOWN);//文档里是ROUND_DOWN
        map.put("prinAndFee", prinAndFee);
        LOG.debug("每期费用：" + map.get("prinAndFee"));

        map.put("periods", BigDecimal.valueOf(periods));

        return map;
    }
    public static Map<String,BigDecimal> getInstallmentCost2(BigDecimal payAmount, Integer periods){
        Map<String,BigDecimal> map = new HashMap<String,BigDecimal>();
        BigDecimal payAmountCent = payAmount.multiply(ONE_HUNDRED);//转化为分
        BigDecimal totalFeeInDecimal = null;
        switch (periods) {
            case 3:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                .multiply(new BigDecimal(0.023)).setScale(2, RoundingMode.HALF_UP);
                break;
            case 6:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                .multiply(new BigDecimal(0.045)).setScale(2, RoundingMode.HALF_UP);
                break;
            case 12:
                totalFeeInDecimal = payAmountCent.setScale(2, RoundingMode.HALF_UP)
                .multiply(new BigDecimal(0.075)).setScale(2, RoundingMode.HALF_UP);
                break;
        }

        map.put("allRateFee", totalFeeInDecimal.divide(ONE_HUNDRED,RoundingMode.HALF_EVEN).setScale(2, RoundingMode.HALF_EVEN));

        map.put("allFee", payAmountCent.add(totalFeeInDecimal).divide(ONE_HUNDRED).setScale(2, RoundingMode.HALF_EVEN));
        LOG.debug("总费用：" + map.get("allFee"));

        BigDecimal eachFee = map.get("allRateFee").setScale(2, RoundingMode.HALF_DOWN).divide(BigDecimal.valueOf(periods), RoundingMode.HALF_DOWN);//文档里是ROUND_DOWN
        map.put("eachFee", eachFee);
        LOG.debug("每期手续费：" + map.get("eachFee"));

        BigDecimal prinAndFee = map.get("allFee").setScale(2, RoundingMode.HALF_DOWN).divide(BigDecimal.valueOf(periods), RoundingMode.HALF_DOWN);//文档里是ROUND_DOWN
        map.put("prinAndFee", prinAndFee);
        LOG.debug("每期费用：" + map.get("prinAndFee"));

        map.put("periods", BigDecimal.valueOf(periods));

        return map;
    }
    public static void main(String[] args){
        System.err.println(getInstallmentCost2(new BigDecimal(1111.11), 3));
    }

}