feat(settlement): 统一门店账单列表合并 T+1 与手动提现

总部财务以门店账单为唯一入口；新增 store-settlements API，去掉独立提现审菜单并更新企微引导文案。

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

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

@@ -339,7 +339,7 @@ export class SettlementService {
         `单号：${created.withdrawNo}`,
         `金额：¥${Number(created.amount).toFixed(2)}`,
         `明细：${created.payoutCount} 笔未出账核销（已锁定，不进入次日 T+1 出账）`,
-        '请尽快在 HQ「财务 → 门店提现审」处理。',
+        '请尽快在 HQ「财务 → 门店账单（手动提现）」处理。',
       ].join('\n'),
       dedupeKey: `store_withdraw_applied|${created.id.toString()}`,
       dedupeTtlSec: 3600,
@@ -594,7 +594,7 @@ export class SettlementService {
         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。',
+          '请尽快在 HQ「财务 → 门店账单（手动提现）」处理。',
         ].join('\n'),
         dedupeKey: `store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
         dedupeTtlSec: 6 * 3600,
@@ -857,6 +857,152 @@ export class SettlementService {
     return { billDate: billDate.toISOString().slice(0, 10), created, skipped, payoutLinked: payouts.length };
   }
 
+  /**
+   * 总部「门店账单」统一列表：T+1 StoreBill + 手动提现 StoreWithdrawRequest
+   * 中小数据量内存合并后分页。
+   */
+  async listAdminStoreSettlements(query: {
+    page?: number;
+    pageSize?: number;
+    kind?: string;
+    status?: string;
+    storeId?: string;
+    dateFrom?: string;
+    dateTo?: string;
+  }) {
+    const page = query.page ?? 1;
+    const pageSize = query.pageSize ?? 20;
+    const kind = query.kind === 'T1_BILL' || query.kind === 'WITHDRAW' ? query.kind : undefined;
+    const status = query.status?.trim() || undefined;
+
+    const includeBills =
+      !kind || kind === 'T1_BILL'
+        ? !status || status === 'UNPAID' || status === 'PAID'
+        : false;
+    const includeWithdraws =
+      !kind || kind === 'WITHDRAW'
+        ? !status ||
+          status === 'PENDING_REVIEW' ||
+          status === 'REJECTED' ||
+          status === 'PAID'
+        : false;
+
+    const billWhere = includeBills
+      ? this.buildStoreBillWhere({
+          status: status === 'UNPAID' || status === 'PAID' ? status : undefined,
+          storeId: query.storeId,
+          dateFrom: query.dateFrom,
+          dateTo: query.dateTo,
+        })
+      : null;
+
+    const withdrawWhere: Prisma.StoreWithdrawRequestWhereInput | null = includeWithdraws
+      ? (() => {
+          const where: Prisma.StoreWithdrawRequestWhereInput = {};
+          if (status === 'PENDING_REVIEW' || status === 'REJECTED' || status === 'PAID') {
+            where.status = status;
+          }
+          if (query.storeId) where.storeId = BigInt(query.storeId);
+          if (query.dateFrom || query.dateTo) {
+            where.appliedAt = {};
+            if (query.dateFrom) where.appliedAt.gte = new Date(query.dateFrom);
+            if (query.dateTo) {
+              const end = new Date(query.dateTo);
+              end.setHours(23, 59, 59, 999);
+              where.appliedAt.lte = end;
+            }
+          }
+          return where;
+        })()
+      : null;
+
+    const bills = billWhere
+      ? await this.prisma.storeBill.findMany({
+          where: billWhere,
+          include: {
+            store: { select: { id: true, name: true, cityName: true, phone: true } },
+          },
+        })
+      : [];
+    const withdraws = withdrawWhere
+      ? await this.prisma.storeWithdrawRequest.findMany({
+          where: withdrawWhere,
+          include: {
+            store: { select: { id: true, name: true, cityName: true, phone: true } },
+          },
+        })
+      : [];
+
+    const now = new Date();
+    type UnifiedRow = {
+      kind: 'T1_BILL' | 'WITHDRAW';
+      id: bigint;
+      billNo: string;
+      storeId: bigint;
+      amount: number;
+      status: string;
+      date: Date;
+      overdue?: boolean;
+      redeemCount?: number;
+      redeemAmount?: number;
+      settlementRate?: number;
+      payoutCount?: number;
+      store?: { id: bigint; name: string; cityName: string; phone: string | null };
+    };
+
+    const rows: UnifiedRow[] = [
+      ...bills.map((b) => ({
+        kind: 'T1_BILL' as const,
+        id: b.id,
+        billNo: b.billNo,
+        storeId: b.storeId,
+        amount: Number(b.payoutAmount),
+        status: b.status,
+        date: b.billDate,
+        redeemCount: b.redeemCount,
+        redeemAmount: Number(b.redeemAmount),
+        settlementRate: Number(b.settlementRate),
+        store: b.store,
+      })),
+      ...withdraws.map((w) => ({
+        kind: 'WITHDRAW' as const,
+        id: w.id,
+        billNo: w.withdrawNo,
+        storeId: w.storeId,
+        amount: Number(w.amount),
+        status: w.status,
+        date: w.appliedAt,
+        overdue: w.status === 'PENDING_REVIEW' ? isWithdrawOverdue(w.appliedAt, now) : false,
+        payoutCount: w.payoutCount,
+        store: w.store,
+      })),
+    ];
+
+    rows.sort((a, b) => {
+      const dt = b.date.getTime() - a.date.getTime();
+      if (dt !== 0) return dt;
+      return Number(b.id - a.id);
+    });
+
+    const total = rows.length;
+    const slice = rows.slice((page - 1) * pageSize, page * pageSize);
+    const redeemAmount = bills.reduce((s, b) => s + Number(b.redeemAmount), 0);
+    const payoutAmount = rows.reduce((s, r) => s + r.amount, 0);
+
+    return serializeBigInt({
+      items: slice,
+      total,
+      page,
+      pageSize,
+      summary: {
+        count: total,
+        redeemAmount,
+        payoutAmount,
+        totalAmount: payoutAmount,
+      },
+    });
+  }
+
   async listAdminStoreBills(query: {
     page?: number;
     pageSize?: number;