ffca168dbe
功能: - 通知提醒系统: 还款日提醒、逾期提醒、系统消息横幅、登录时通知 - 通知中心UI: 铃铛图标 + 下拉列表 + 未读徽章 - 定时任务: APScheduler 每小时检查即将到期的还款 - 邮件通知: SMTP 发送还款提醒和安全警告 - 异常登录通知: 3/5/10次失败触发网页和邮件通知 安全: - 登录安全告警: 异常登录次数达到阈值时发送通知 - 密码重置链接: 一次性使用, 5分钟有效期 - 登录频率限制: IP级和账户级限制 技术: - 后端: FastAPI + SQLAlchemy + PostgreSQL - 前端: 纯 HTML/CSS/JS - 部署: Docker Compose (新增 build 配置)
80 lines
3.3 KiB
Python
80 lines
3.3 KiB
Python
from datetime import datetime, timedelta
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from dateutil.relativedelta import relativedelta
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def calculate_monthly_rate(interest_rate: float, rate_type: str) -> float:
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if rate_type == "annual":
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return interest_rate / 100 / 12
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return interest_rate / 100
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def generate_equal_installment_plan(
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amount: int, interest_rate: float, rate_type: str,
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period_count: int, start_date: datetime
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) -> list[dict]:
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mr = calculate_monthly_rate(interest_rate, rate_type)
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if mr == 0:
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principal_each = amount // period_count
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plans = []
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for i in range(period_count):
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due = start_date + relativedelta(months=i + 1)
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p = principal_each if i < period_count - 1 else amount - principal_each * (period_count - 1)
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plans.append({"due_date": due, "principal_due": p, "interest_due": 0, "total_due": p})
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return plans
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mp = amount * mr * (1 + mr) ** period_count / ((1 + mr) ** period_count - 1)
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plans = []
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remaining = amount
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for i in range(period_count):
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due = start_date + relativedelta(months=i + 1)
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interest = int(remaining * mr)
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principal = int(mp) - interest
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if i == period_count - 1:
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principal = remaining
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interest = int(remaining * mr)
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remaining -= principal
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total = principal + interest
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plans.append({"due_date": due, "principal_due": principal, "interest_due": interest, "total_due": total})
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return plans
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def generate_interest_first_plan(
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amount: int, interest_rate: float, rate_type: str,
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period_count: int, start_date: datetime
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) -> list[dict]:
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mr = calculate_monthly_rate(interest_rate, rate_type)
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plans = []
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for i in range(period_count):
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due = start_date + relativedelta(months=i + 1)
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interest = int(amount * mr)
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principal = amount if i == period_count - 1 else 0
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total = principal + interest
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plans.append({"due_date": due, "principal_due": principal, "interest_due": interest, "total_due": total})
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return plans
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def generate_lump_sum_plan(
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amount: int, interest_rate: float, rate_type: str,
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period_count: int, period_unit: str, start_date: datetime
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) -> list[dict]:
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if period_unit == "year":
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total_interest = int(amount * interest_rate / 100 * period_count)
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else:
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total_interest = int(amount * interest_rate / 100 / 12 * period_count)
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due = start_date + relativedelta(months=period_count) if period_unit == "month" else start_date + relativedelta(years=period_count)
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return [{"due_date": due, "principal_due": amount, "interest_due": total_interest, "total_due": amount + total_interest}]
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def generate_repayment_plan(
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amount: int, interest_rate: float, rate_type: str,
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repayment_method: str, period_count: int, period_unit: str,
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start_date: datetime
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) -> list[dict]:
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if repayment_method == "equal_installment":
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return generate_equal_installment_plan(amount, interest_rate, rate_type, period_count, start_date)
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elif repayment_method == "interest_first":
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return generate_interest_first_plan(amount, interest_rate, rate_type, period_count, start_date)
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elif repayment_method == "lump_sum":
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return generate_lump_sum_plan(amount, interest_rate, rate_type, period_count, period_unit, start_date)
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return []
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