function getProviderTransfer($userInfo, $bankInfo = null, $accountNo = null, $options = [])
{
    if(!empty($accountNo) && preg_match('/^(M999)/', $accountNo, $matches) && $bankInfo->code == Bank::BANK_CODE_TECHCOMBANK){
        return UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK;
    }
    if (!empty($accountNo) && preg_match('/^(966699)/', $accountNo, $matches) && $bankInfo->code == Bank::BANK_CODE_MSB) {
        return UserTransaction::PROVIDER_TRANSFER_VPBANK;
    }
    if (!empty($options['amount']) && is_numeric($options['amount']) && $options['amount'] < 2000) {
        if ($bankInfo->code == Bank::BANK_CODE_TECHCOMBANK  && !Bank::isAccountNoTCB($accountNo)) {
            return UserTransaction::PROVIDER_TRANSFER_VIETINBANK;
        }

        if (in_array($bankInfo->code, [
            UserTransaction::PROVIDER_TRANSFER_TPBANK, UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK,
            UserTransaction::PROVIDER_TRANSFER_VIETINBANK, UserTransaction::PROVIDER_TRANSFER_MBBANK,
            UserTransaction::PROVIDER_TRANSFER_VPBANK])) {
                return $bankInfo->code;
        }
        return UserTransaction::PROVIDER_TRANSFER_VIETINBANK;
    }

    $appSetting = AppSetting::get()->pluck('content','key')->toArray();
    $providerDefault = data_get($appSetting, 'PAYOUT_PROVIDER_DEFAULT', UserTransaction::PROVIDER_TRANSFER_VPBANK);
    
    if (!empty($userInfo->payout_provider_code)) {
        $accountName = !empty($options['account_name']) ? $options['account_name'] : '';

        if ($userInfo->payout_provider_code == UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK && !Bank::isValidAccountNameByFirstName($accountName)) {
            return $providerDefault;
        }
        if ($userInfo->payout_provider_code == UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK && $bankInfo->code == Bank::BANK_CODE_TECHCOMBANK  && !Bank::isAccountNoTCB($accountNo)) {
            return $providerDefault;
        }
        if ($userInfo->payout_provider_code == UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK && !empty($accountNo) && (Bank::checkTypeCard($accountNo) || Bank::hasSpecialCharacter($accountNo) || Phone::isValid($accountNo))){
            return $providerDefault;
        }

        if ($userInfo->payout_provider_code == UserTransaction::PROVIDER_TRANSFER_TPBANK && !empty($accountNo) && (Bank::checkTypeCard($accountNo) || Bank::hasSpecialCharacter($accountNo) || !is_numeric($accountNo) || Phone::isValid($accountNo))) {
            return $providerDefault;
        }

        $payoutProviderSetting = !empty($userInfo->payout_provider_settings) ? explode(',', $userInfo->payout_provider_settings) : [];
        if ($payoutProviderSetting && is_array($payoutProviderSetting) && in_array($bankInfo->code, $payoutProviderSetting)) {
            return $bankInfo->code;
        }

        return strtoupper($userInfo->payout_provider_code);
    }

    if (!empty($options['amount']) && $options['amount'] >= config('setting.min_citad_amount') && in_array($userInfo->name, config('setting.merchant_citad'))) {
        return UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK;
    }

    if(!is_numeric($accountNo) && !in_array($bankInfo->code, config('bank.bank_is_support_inick'))){
        return $providerDefault;
    }
    if (!empty($accountNo) && Bank::checkTypeCard($accountNo) && !in_array($bankInfo->code, config('bank.bank_is_support_card'))){
        $bankTransferAtm=data_get($appSetting, 'PAYOUT_PROVIDER_ATM', $providerDefault);
        if($bankTransferAtm==UserTransaction::PROVIDER_TRANSFER_BIDV && $bankInfo->code==Bank::BANK_CODE_MSB)
        {
            return $providerDefault;
        }
        return $bankTransferAtm;
    }
    if (!empty($accountNo) && Phone::isValid($accountNo) && !in_array($bankInfo->code, config('bank.bank_is_support_phone_number'))){
        return $providerDefault;
    }
    if (!empty($accountNo) && Bank::hasSpecialCharacter($accountNo)) {
        return $providerDefault;
    }

    $transferBankSetting = TransferBankPartner::query()
        ->where('bank_code', $bankInfo->code)
        ->first();
    if (!$transferBankSetting instanceof TransferBankPartner) {
        return $providerDefault;
    }
    
    if(in_array($transferBankSetting->provider,[UserTransaction::PROVIDER_TRANSFER_TPBANK,UserTransaction::PROVIDER_TRANSFER_BIDV]) && in_array(Carbon::now()->hour,[23,0])){
        return $providerDefault;
    }
    if ($transferBankSetting->provider == UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK
        && $bankInfo->code == Bank::BANK_CODE_TECHCOMBANK
        && !Bank::isAccountNoTCB($accountNo)) {
        return $providerDefault;
    }

    if ($transferBankSetting->provider == UserTransaction::PROVIDER_TRANSFER_TECHCOMBANK && !empty($accountNo) && (Bank::checkTypeCard($accountNo) || !is_numeric($accountNo) || Phone::isValid($accountNo))) {
        return $providerDefault;
    }

    if ($transferBankSetting->provider == UserTransaction::PROVIDER_TRANSFER_TPBANK && !empty($accountNo) && (Bank::checkTypeCard($accountNo) || !is_numeric($accountNo) || Phone::isValid($accountNo))) {
        return $providerDefault;
    }

    if ($transferBankSetting->provider == UserTransaction::PROVIDER_TRANSFER_MBBANK && !empty($options['amount']) && $options['amount'] > 4000000000) {
        return $providerDefault;
    }

    return $transferBankSetting->provider;
}