fix(settlement): 全部门店可未出账提现并企微提醒

Co-authored-by: Cursor <cursoragent@cursor.com>

apps/admin-web/src/lib/storeCreate.ts

@@ -29,7 +29,6 @@ export type StoreCreateForm = {
   settlementRate?: number;
   visibilityWhitelistEnabled?: boolean;
   visibilityPhones?: string[];
-  withdrawWhitelistEnabled?: boolean;
 };
 
 const PHONE_RE = /^1\d{10}$/;

apps/admin-web/src/pages/StoresPage.tsx

@@ -373,7 +373,6 @@ type StoreRow = {
   coverUrl: string | null;
   createdAt: string;
   visibilityWhitelistEnabled?: boolean;
-  withdrawWhitelistEnabled?: boolean;
   visibilityPhones?: string[];
   cityRef?: { name: string; code: string };
   partner?: { companyName: string };
@@ -593,7 +592,6 @@ export default function StoresPage() {
       bankAccountNo: account?.bankAccountNo || undefined,
       bankBranch: account?.bankBranch || undefined,
       visibilityWhitelistEnabled: !!d.visibilityWhitelistEnabled,
-      withdrawWhitelistEnabled: !!d.withdrawWhitelistEnabled,
       visibilityPhones: Array.isArray(d.visibilityPhones)
         ? (d.visibilityPhones as string[])
         : [],
@@ -637,7 +635,6 @@ export default function StoresPage() {
         bankAccountNo: v.bankAccountNo ?? null,
         bankBranch: v.bankBranch ?? null,
         visibilityWhitelistEnabled: !!v.visibilityWhitelistEnabled,
-        withdrawWhitelistEnabled: !!v.withdrawWhitelistEnabled,
         visibilityPhones: ((v.visibilityPhones as string[] | undefined) ?? [])
           .map((p) => String(p || '').replace(/\D/g, '').trim())
           .filter(Boolean),
@@ -814,7 +811,6 @@ export default function StoresPage() {
           bankBranch: values.bankBranch.trim(),
           settlementRate: Number(values.settlementRate ?? 60) / 100,
           visibilityWhitelistEnabled: !!values.visibilityWhitelistEnabled,
-          withdrawWhitelistEnabled: !!values.withdrawWhitelistEnabled,
           visibilityPhones: (values.visibilityPhones ?? [])
             .map((p: string) => String(p || '').replace(/\D/g, '').trim())
             .filter(Boolean),
@@ -1184,14 +1180,6 @@ export default function StoresPage() {
                       <Form.Item name="settlementRate" label="核销结算比例 %" initialValue={60} rules={[{ required: true }]}>
                         <InputNumber min={0} max={100} precision={2} style={{ width: '100%' }} addonAfter="%" />
                       </Form.Item>
-                      <Form.Item
-                        name="withdrawWhitelistEnabled"
-                        label="未出账提现白名单"
-                        valuePropName="checked"
-                        extra="FIN-001：开启后该门店可对未出账余额发起手动提现"
-                      >
-                        <Switch checkedChildren="允许" unCheckedChildren="关闭" />
-                      </Form.Item>
                       <Form.Item name="bankAccountName" label="结算户名">
                         <Input placeholder="开户名" />
                       </Form.Item>
@@ -1438,14 +1426,6 @@ export default function StoresPage() {
               <Form.Item name="settlementRate" label="核销结算比例 %" initialValue={60} rules={[{ required: true, message: '请填写结算比例' }]}>
                 <InputNumber min={0} max={100} precision={2} style={{ width: '100%' }} addonAfter="%" />
               </Form.Item>
-              <Form.Item
-                name="withdrawWhitelistEnabled"
-                label="未出账提现白名单"
-                valuePropName="checked"
-                initialValue={false}
-              >
-                <Switch checkedChildren="允许" unCheckedChildren="关闭" />
-              </Form.Item>
               <Alert
                 type="info"
                 showIcon

apps/h5-shop/src/pages/WithdrawPage.tsx

@@ -77,7 +77,6 @@ export default function WithdrawPage() {
 
   const canApply =
     !!summary?.isPrimary &&
-    !!summary.whitelistEnabled &&
     summary.availableAmount > 0 &&
     !summary.hasPendingRequest &&
     summary.hasBankAccount &&
@@ -125,8 +124,8 @@ export default function WithdrawPage() {
               info
             </span>
             单日上限 ¥{formatMoney(summary?.dailyLimit ?? 5000)}
-            {summary && !summary.whitelistEnabled ? ' · 未开通未出账提现白名单' : ''}
             {summary?.hasPendingRequest ? ' · 已有待审核申请' : ''}
+            {!summary?.hasBankAccount ? ' · 请先完善收款账户' : ''}
           </p>
         </section>
 

packages/domain/src/index.test.ts

@@ -247,7 +247,6 @@ describe('sumUnbilledPayoutAmount', () => {
 
 describe('validateStoreWithdraw', () => {
   const base = {
-    whitelistEnabled: true,
     availableAmount: 1000,
     requestAmount: 200,
     todayApplied: 0,
@@ -256,10 +255,6 @@ describe('validateStoreWithdraw', () => {
     hasBankAccount: true,
   };
 
-  it('rejects non-whitelist stores', () => {
-    expect(validateStoreWithdraw({ ...base, whitelistEnabled: false }).ok).toBe(false);
-  });
-
   it('rejects when daily limit exceeded', () => {
     expect(
       validateStoreWithdraw({ ...base, todayApplied: 4900, requestAmount: 200, dailyLimit: 5000 }).ok,

packages/domain/src/index.ts

@@ -101,7 +101,6 @@ export function sumUnbilledPayoutAmount(payouts: Array<{ payoutAmount: number }>
 }
 
 export type ValidateStoreWithdrawInput = {
-  whitelistEnabled: boolean;
   availableAmount: number;
   requestAmount: number;
   todayApplied: number;
@@ -110,13 +109,10 @@ export type ValidateStoreWithdrawInput = {
   hasBankAccount: boolean;
 };
 
-/** 门店未出账提现护栏（FIN-001/002 + 幂等/账户） */
+/** 门店未出账提现护栏（FIN-002 单日上限 + 幂等/账户） */
 export function validateStoreWithdraw(
   input: ValidateStoreWithdrawInput,
 ): { ok: boolean; message?: string } {
-  if (!input.whitelistEnabled) {
-    return { ok: false, message: '该门店未开通未出账提现（需总部白名单）' };
-  }
   if (!input.hasBankAccount) {
     return { ok: false, message: '请先完善入驻收款账户后再提现' };
   }

packages/shared-types/src/settlement.ts

@@ -23,7 +23,6 @@ export interface StoreWithdrawSummaryDto {
   todayAppliedAmount: number;
   dailyLimit: number;
   remainingDailyLimit: number;
-  whitelistEnabled: boolean;
   isPrimary: boolean;
   hasBankAccount: boolean;
   hasPendingRequest: boolean;

scripts/smoke-v3.mjs

@@ -172,30 +172,12 @@ async function main() {
   const shopStoreId = shopMe.storeId || shopMe.stores?.[0]?.storeId;
   if (!shopStoreId) throw new Error('Shop storeId missing after login');
 
-  const noWhitelistMsg = await expectFail('SHOP_H5', '/shop/withdraw', {
-    method: 'POST',
-    token: shopToken,
-    body: JSON.stringify({}),
-  });
-  if (!String(noWhitelistMsg).includes('白名单')) {
-    throw new Error(`Expected FIN-001 whitelist reject, got: ${noWhitelistMsg}`);
-  }
-
-  await req('HQ_WEB', `/admin/stores/${shopStoreId}`, {
-    method: 'PUT',
-    token: admin.accessToken,
-    body: JSON.stringify({ withdrawWhitelistEnabled: true }),
-  });
-
   const withdrawSummary = await req('SHOP_H5', '/shop/withdraw/summary', {
     token: shopToken,
   });
   if (!(withdrawSummary.availableAmount > 0)) {
     throw new Error('Expected available withdraw amount after redeem');
   }
-  if (!withdrawSummary.whitelistEnabled) {
-    throw new Error('Expected withdraw whitelist enabled');
-  }
 
   const applied = await req('SHOP_H5', '/shop/withdraw', {
     method: 'POST',
@@ -215,6 +197,14 @@ async function main() {
     throw new Error(`Expected pending-request reject, got: ${pendingDup}`);
   }
 
+  // 锁定中的明细不可再出账（T+1 排除 withdrawItem）
+  const summaryAfter = await req('SHOP_H5', '/shop/withdraw/summary', {
+    token: shopToken,
+  });
+  if (summaryAfter.availableAmount !== 0) {
+    throw new Error('Expected availableAmount=0 while withdraw pending');
+  }
+
   await req('HQ_WEB', `/admin/store-withdrawals/${applied.id}/approve`, {
     method: 'POST',
     token: admin.accessToken,

server/dukang-api/src/integrations/wecom/wecom-handbook.ts

@@ -66,7 +66,7 @@ export const WECOM_HANDBOOK_ENTRIES: HandbookEntry[] = [
     body: [
       '门店账单：核销×60%，T+1 出账；HQ 确认打款。',
       '合伙人月账独立确认打款。',
-      '未出账提现受白名单/单日上限等 FIN 护栏。',
+      '门店可对未出账核销主动提现（受单日上限）；申请后锁定明细不进入次日出账，HQ 审后打款并企微提醒。',
     ].join('\n'),
   },
   {

server/dukang-api/src/jobs/settlement.scheduler.ts

@@ -49,22 +49,13 @@ export class SettlementScheduler {
     }
   }
 
-  /** FIN-003：工作日 18:05 扫描超时未审门店提现 */
+  /** FIN-003：工作日 18:05 扫描超时未审门店提现（企微提醒在 SettlementService 内发送） */
   @Cron('5 18 * * 1-5', { timeZone: 'Asia/Shanghai' })
   async handleWithdrawOverdueAlert() {
     this.logger.log('Store withdraw overdue scan start');
     try {
       const summary = await this.settlementService.scanOverdueStoreWithdrawals();
       this.logger.log(`Store withdraw overdue: ${JSON.stringify(summary)}`);
-      if (summary.overdueCount > 0) {
-        this.alert.notify({
-          level: 'P1',
-          category: 'finance',
-          title: '门店提现超时未审',
-          detail: `待审 ${summary.pendingCount} 笔，超时 ${summary.overdueCount} 笔，超时金额 ¥${summary.overdueAmount.toFixed(2)}`,
-          dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
-        });
-      }
     } catch (e) {
       this.logger.error('Store withdraw overdue scan failed', e instanceof Error ? e.stack : e);
       this.alert.notify({
@@ -72,7 +63,7 @@ export class SettlementScheduler {
         category: 'job',
         title: '门店提现超时扫描失败',
         detail: e instanceof Error ? e.message : String(e),
-        dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+        dedupeKey: `job_store_withdraw_overdue_fail|${new Date().toISOString().slice(0, 10)}`,
       });
     }
   }

server/dukang-api/src/modules/ops/admin-stores.service.ts

@@ -357,9 +357,6 @@ export class AdminStoresService {
           ...(dto.visibilityWhitelistEnabled !== undefined
             ? { visibilityWhitelistEnabled: !!dto.visibilityWhitelistEnabled }
             : {}),
-          ...(dto.withdrawWhitelistEnabled !== undefined
-            ? { withdrawWhitelistEnabled: !!dto.withdrawWhitelistEnabled }
-            : {}),
           ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         },
       });
@@ -519,7 +516,6 @@ export class AdminStoresService {
         openTime2: openTime2 || null,
         closeTime2: closeTime2 || null,
         visibilityWhitelistEnabled: whitelistEnabled,
-        withdrawWhitelistEnabled: !!dto.withdrawWhitelistEnabled,
         ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         status: 'OPEN',
         auditStatus: 'APPROVED',

server/dukang-api/src/modules/ops/dto/admin-mutate.dto.ts

@@ -138,11 +138,6 @@ export class CreateStoreDto {
   @IsArray()
   @IsString({ each: true })
   visibilityPhones?: string[];
-
-  /** FIN-001：允许未出账手动提现 */
-  @IsOptional()
-  @IsBoolean()
-  withdrawWhitelistEnabled?: boolean;
 }
 
 export class UpdateStoreDto {
@@ -242,11 +237,6 @@ export class UpdateStoreDto {
   @IsArray()
   @IsString({ each: true })
   visibilityPhones?: string[];
-
-  /** FIN-001：允许未出账手动提现 */
-  @IsOptional()
-  @IsBoolean()
-  withdrawWhitelistEnabled?: boolean;
 }
 
 export class CreateStoreAccountDto {

server/dukang-api/src/modules/settlement/settlement.service.ts

@@ -14,6 +14,7 @@ import {
 } from '@dukang/domain';
 import { PrismaService } from '../../common/prisma/prisma.module';
 import { serializeBigInt } from '../../common/decorators/current-user.decorator';
+import { AlertService } from '../../common/alert/alert.service';
 import { AnalyticsService } from '../analytics/analytics.service';
 import { PartnerCityService } from '../city-scope/partner-city.service';
 import { FulfillmentProviderService } from '../fulfillment/fulfillment-provider.service';
@@ -72,6 +73,7 @@ export class SettlementService {
     private readonly analyticsService: AnalyticsService,
     private readonly partnerCityService: PartnerCityService,
     private readonly fulfillmentProviderService: FulfillmentProviderService,
+    private readonly alert: AlertService,
   ) {}
 
   // ─── Store payout (line) ─────────────────────────────
@@ -168,11 +170,7 @@ export class SettlementService {
 
   async getShopWithdrawSummary(storeAccountId: bigint, storeId: bigint) {
     await this.assertShopStoreAccess(storeAccountId, storeId);
-    const [store, account, available, pending, todayApplied] = await Promise.all([
+    const [account, available, pending, todayApplied] = await Promise.all([
-      this.prisma.store.findUniqueOrThrow({
-        where: { id: storeId },
-        select: { withdrawWhitelistEnabled: true },
-      }),
       this.prisma.storeAccount.findUniqueOrThrow({
         where: { id: storeAccountId },
         select: {
@@ -205,7 +203,6 @@ export class SettlementService {
       todayAppliedAmount: todayApplied,
       dailyLimit,
       remainingDailyLimit: Math.max(0, round2(dailyLimit - todayApplied)),
-      whitelistEnabled: store.withdrawWhitelistEnabled,
       isPrimary: account.isPrimary === 1,
       hasBankAccount,
       hasPendingRequest: !!pending,
@@ -227,7 +224,7 @@ export class SettlementService {
     const [store, account, available, pending, todayApplied] = await Promise.all([
       this.prisma.store.findUniqueOrThrow({
         where: { id: storeId },
-        select: { withdrawWhitelistEnabled: true },
+        select: { id: true, name: true, phone: true, cityName: true },
       }),
       this.prisma.storeAccount.findUniqueOrThrow({
         where: { id: storeAccountId },
@@ -263,7 +260,6 @@ export class SettlementService {
         : availableAmount;
 
     const guard = validateStoreWithdraw({
-      whitelistEnabled: store.withdrawWhitelistEnabled,
       availableAmount,
       requestAmount,
       todayApplied,
@@ -334,6 +330,21 @@ export class SettlementService {
       },
     });
 
+    this.alert.notify({
+      level: 'P1',
+      category: 'finance',
+      title: '门店提现待审',
+      detail: [
+        `门店：${store.name}（${store.cityName || '-'} / ${store.phone || '-'}）`,
+        `单号：${created.withdrawNo}`,
+        `金额：¥${Number(created.amount).toFixed(2)}`,
+        `明细：${created.payoutCount} 笔未出账核销（已锁定，不进入次日 T+1 出账）`,
+        '请尽快在 HQ「财务 → 门店提现审」处理。',
+      ].join('\n'),
+      dedupeKey: `store_withdraw_applied|${created.id.toString()}`,
+      dedupeTtlSec: 3600,
+    });
+
     return serializeBigInt(created);
   }
 
@@ -433,7 +444,6 @@ export class SettlementService {
             name: true,
             cityName: true,
             phone: true,
-            withdrawWhitelistEnabled: true,
           },
         },
         storeAccount: {
@@ -562,6 +572,34 @@ export class SettlementService {
   /** FIN-003：工作日 18:00 扫描超时未审提现 */
   async scanOverdueStoreWithdrawals() {
     const summary = await this.getStoreWithdrawOverdueSummary();
+    if (summary.overdueCount > 0) {
+      const overdueRows = await this.prisma.storeWithdrawRequest.findMany({
+        where: { status: 'PENDING_REVIEW' },
+        include: { store: { select: { name: true, phone: true } } },
+        orderBy: { appliedAt: 'asc' },
+        take: 20,
+      });
+      const now = new Date();
+      const lines = overdueRows
+        .filter((r) => isWithdrawOverdue(r.appliedAt, now))
+        .slice(0, 10)
+        .map(
+          (r) =>
+            `- ${r.store?.name || r.storeId} ${r.withdrawNo} ¥${Number(r.amount).toFixed(2)}`,
+        );
+      this.alert.notify({
+        level: 'P1',
+        category: 'finance',
+        title: '门店提现超时未审',
+        detail: [
+          `待审 ${summary.pendingCount} 笔，超时 ${summary.overdueCount} 笔，超时金额 ¥${summary.overdueAmount.toFixed(2)}`,
+          ...lines,
+          '请尽快在 HQ「财务 → 门店提现审」处理。',
+        ].join('\n'),
+        dedupeKey: `store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+        dedupeTtlSec: 6 * 3600,
+      });
+    }
     return summary;
   }