카드 정산 업무 규칙과 전환 불변식 추출 #4
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package com.bais.card.settlement;
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import java.math.BigDecimal;
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import java.time.LocalDateTime;
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import java.util.Objects;
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/**
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* Settlement Calculator
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*
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* 카드 정산 계산 로직 (Brand Settlement + IRD + Issuer Fee)
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*
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* INVARIANTS:
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* - BRAND_SETTLEMENT_NON_NEGATIVE: 정산금은 0 이상
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* - BRAND_SETTLEMENT_FORMULA: 정산금 = 승인금액 - 취소금액 - 수수료
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* - BRAND_COMMISSION_FORMULA: 수수료 = 승인금액 * 정산요율
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* - BRAND_COMMISSION_RATE_DEFAULT: 미지정 시 0.02
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* - IRD_NON_NEGATIVE: IRD는 0 이상
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* - IRD_FORMULA: IRD = 승인금액 * IRD율
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* - IRD_RATE_DEFAULT: 미지정 시 0.015
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* - ISSUER_FEE_NON_NEGATIVE: 발급사 수수료는 0 이상
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* - ISSUER_FEE_FORMULA: 발급사 수수료 = IRD * 발급사 수수료율
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* - ISSUER_FEE_RATE_DEFAULT: 미지정 시 0.005
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* - ISSUER_SETTLEMENT_NON_NEGATIVE: 발급사 정산금은 0 이상
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* - ISSUER_SETTLEMENT_FORMULA: 발급사 정산금 = IRD - 발급사 수수료
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* - AMOUNT_NOT_NULL: 금액은 null 불가
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* - AMOUNT_NON_NEGATIVE: 금액은 0 이상
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* - AMOUNT_MAX_LIMIT: 최대 한도 이하여야 함
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* - AMOUNT_SCALE: 소수점 2자리 표현
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* - ROUNDING_MODE: HALF_UP 반올림
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*/
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public class SettlementCalculator {
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private static final BigDecimal DEFAULT_COMMISSION_RATE = new BigDecimal("0.02");
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private static final BigDecimal DEFAULT_IRD_RATE = new BigDecimal("0.015");
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private static final BigDecimal DEFAULT_ISSUER_FEE_RATE = new BigDecimal("0.005");
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private static final BigDecimal MIN_AMOUNT = BigDecimal.ZERO;
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private static final BigDecimal MAX_AMOUNT = new BigDecimal("999999999999.99");
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/**
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* 브랜드 정산금 계산
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* INVARIANT: 정산금 = 승인금액 - 취소금액 - 수수료
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*/
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public BrandSettlementResult calculateBrandSettlement(BigDecimal approvedAmount,
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BigDecimal cancelledAmount,
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BigDecimal commissionRate) {
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validateAmount(approvedAmount);
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validateAmount(cancelledAmount);
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BigDecimal effectiveCommissionRate =
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commissionRate != null ? commissionRate : DEFAULT_COMMISSION_RATE;
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BigDecimal commission = approvedAmount
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.multiply(effectiveCommissionRate)
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.setScale(2, java.math.RoundingMode.HALF_UP);
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BigDecimal settlementAmount = approvedAmount
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.subtract(cancelledAmount)
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.subtract(commission);
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if (settlementAmount.compareTo(MIN_AMOUNT) < 0) {
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settlementAmount = MIN_AMOUNT;
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}
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return new BrandSettlementResult(
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settlementAmount, commission, approvedAmount, cancelledAmount,
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effectiveCommissionRate, LocalDateTime.now()
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);
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}
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/**
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* IRD 계산
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* INVARIANT: IRD = 승인금액 * IRD율
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*/
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public BigDecimal calculateIRD(BigDecimal approvedAmount, BigDecimal irdRate) {
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validateAmount(approvedAmount);
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BigDecimal effectiveIrdRate = irdRate != null ? irdRate : DEFAULT_IRD_RATE;
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BigDecimal ird = approvedAmount
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.multiply(effectiveIrdRate)
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.setScale(2, java.math.RoundingMode.HALF_UP);
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if (ird.compareTo(MIN_AMOUNT) < 0) {
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return MIN_AMOUNT;
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}
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return ird;
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}
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/**
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* 발급사 수수료 계산
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* INVARIANT: 발급사 수수료 = IRD * 발급사 수수료율
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*/
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public BigDecimal calculateIssuerFee(BigDecimal ird, BigDecimal issuerFeeRate) {
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validateAmount(ird);
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BigDecimal effectiveRate =
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issuerFeeRate != null ? issuerFeeRate : DEFAULT_ISSUER_FEE_RATE;
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BigDecimal issuerFee = ird
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.multiply(effectiveRate)
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.setScale(2, java.math.RoundingMode.HALF_UP);
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if (issuerFee.compareTo(MIN_AMOUNT) < 0) {
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return MIN_AMOUNT;
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}
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return issuerFee;
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}
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/**
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* 발급사 정산금 계산
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* INVARIANT: 발급사 정산금 = IRD - 발급사 수수료
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*/
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public IssuerSettlementResult calculateIssuerSettlement(BigDecimal ird,
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BigDecimal issuerFeeRate) {
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validateAmount(ird);
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BigDecimal effectiveRate =
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issuerFeeRate != null ? issuerFeeRate : DEFAULT_ISSUER_FEE_RATE;
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BigDecimal issuerFee = ird
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.multiply(effectiveRate)
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.setScale(2, java.math.RoundingMode.HALF_UP);
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BigDecimal issuerSettlement = ird.subtract(issuerFee);
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if (issuerSettlement.compareTo(MIN_AMOUNT) < 0) {
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issuerSettlement = MIN_AMOUNT;
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}
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return new IssuerSettlementResult(
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issuerSettlement, issuerFee, ird, effectiveRate, LocalDateTime.now()
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);
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}
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/**
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* 전체 정산 계산 (Brand + Issuer)
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*/
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public FullSettlementResult calculateFullSettlement(BigDecimal approvedAmount,
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BigDecimal cancelledAmount,
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BigDecimal commissionRate,
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BigDecimal irdRate,
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BigDecimal issuerFeeRate) {
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BrandSettlementResult brandResult = calculateBrandSettlement(
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approvedAmount, cancelledAmount, commissionRate);
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BigDecimal ird = calculateIRD(approvedAmount, irdRate);
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IssuerSettlementResult issuerResult = calculateIssuerSettlement(ird, issuerFeeRate);
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return new FullSettlementResult(
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brandResult.getSettlementAmount(),
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brandResult.getCommission(),
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ird,
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issuerResult.getIssuerFee(),
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issuerResult.getIssuerSettlement(),
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LocalDateTime.now()
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);
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}
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private void validateAmount(BigDecimal amount) {
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Objects.requireNonNull(amount, "Amount must not be null");
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if (amount.compareTo(MIN_AMOUNT) < 0) {
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throw new IllegalArgumentException("Amount must be non-negative");
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}
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if (amount.compareTo(MAX_AMOUNT) > 0) {
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throw new IllegalArgumentException("Amount exceeds maximum limit");
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}
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}
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public static class BrandSettlementResult {
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private final BigDecimal settlementAmount;
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private final BigDecimal commission;
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private final BigDecimal approvedAmount;
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private final BigDecimal cancelledAmount;
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private final BigDecimal commissionRate;
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private final LocalDateTime calculatedAt;
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public BrandSettlementResult(BigDecimal settlementAmount, BigDecimal commission,
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BigDecimal approvedAmount, BigDecimal cancelledAmount,
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BigDecimal commissionRate, LocalDateTime calculatedAt) {
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this.settlementAmount = settlementAmount;
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this.commission = commission;
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this.approvedAmount = approvedAmount;
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this.cancelledAmount = cancelledAmount;
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this.commissionRate = commissionRate;
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this.calculatedAt = calculatedAt;
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}
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public BigDecimal getSettlementAmount() { return settlementAmount; }
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public BigDecimal getCommission() { return commission; }
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public BigDecimal getApprovedAmount() { return approvedAmount; }
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public BigDecimal getCancelledAmount() { return cancelledAmount; }
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public BigDecimal getCommissionRate() { return commissionRate; }
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public LocalDateTime getCalculatedAt() { return calculatedAt; }
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}
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public static class IssuerSettlementResult {
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private final BigDecimal issuerSettlement;
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private final BigDecimal issuerFee;
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private final BigDecimal ird;
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private final BigDecimal issuerFeeRate;
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private final LocalDateTime calculatedAt;
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public IssuerSettlementResult(BigDecimal issuerSettlement, BigDecimal issuerFee,
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BigDecimal ird, BigDecimal issuerFeeRate,
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LocalDateTime calculatedAt) {
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this.issuerSettlement = issuerSettlement;
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this.issuerFee = issuerFee;
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this.ird = ird;
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this.issuerFeeRate = issuerFeeRate;
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this.calculatedAt = calculatedAt;
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}
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public BigDecimal getIssuerSettlement() { return issuerSettlement; }
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public BigDecimal getIssuerFee() { return issuerFee; }
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public BigDecimal getIrd() { return ird; }
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public BigDecimal getIssuerFeeRate() { return issuerFeeRate; }
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public LocalDateTime getCalculatedAt() { return calculatedAt; }
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}
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public static class FullSettlementResult {
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private final BigDecimal brandSettlement;
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private final BigDecimal brandCommission;
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private final BigDecimal ird;
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private final BigDecimal issuerFee;
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private final BigDecimal issuerSettlement;
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private final LocalDateTime calculatedAt;
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public FullSettlementResult(BigDecimal brandSettlement, BigDecimal brandCommission,
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BigDecimal ird, BigDecimal issuerFee,
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BigDecimal issuerSettlement, LocalDateTime calculatedAt) {
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this.brandSettlement = brandSettlement;
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this.brandCommission = brandCommission;
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this.ird = ird;
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this.issuerFee = issuerFee;
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this.issuerSettlement = issuerSettlement;
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this.calculatedAt = calculatedAt;
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}
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public BigDecimal getBrandSettlement() { return brandSettlement; }
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public BigDecimal getBrandCommission() { return brandCommission; }
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public BigDecimal getIrd() { return ird; }
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public BigDecimal getIssuerFee() { return issuerFee; }
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public BigDecimal getIssuerSettlement() { return issuerSettlement; }
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public LocalDateTime getCalculatedAt() { return calculatedAt; }
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}
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}
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