feat(wecom): 结算账单明细与成交播报用户明文

支付/核销补 HQ 备注且手机号不脱敏；结算通知按城市、合伙人、笔数和累计金额分块推送。

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

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

@@ -8,7 +8,6 @@ import {
   calcRedeemSettleAmount,
   generateRedeemNo,
   generateRedeemPendingNo,
-  maskContactPhone,
   REDEEM_WEAKNET_FAIL_THRESHOLD,
   resolveSettlementRate,
   validateRedeemAmount,
@@ -197,7 +196,7 @@ export class RedeemService {
     const [userRow, storeRow] = await Promise.all([
       this.prisma.user.findUnique({
         where: { id: userId },
-        select: { isTest: true, nickname: true, phone: true },
+        select: { isTest: true, nickname: true, phone: true, hqRemark: true },
       }),
       this.prisma.store.findUnique({
         where: { id: account.storeId },
@@ -295,7 +294,8 @@ export class RedeemService {
           storeName: account.store.name || String(account.storeId),
           channel: channelLabel,
           userName: userRow?.nickname?.trim() || '—',
-          userPhone: maskContactPhone(userRow?.phone),
+          userPhone: (userRow?.phone || '').trim() || '—',
+          userRemark: (userRow?.hqRemark || '').trim() || '—',
         },
         {
           handlePath: `/redeem-records?redeemNo=${encodeURIComponent(record.redeemNo)}`,