feat(settlement): 门店未出账手动提现与总部审核（OPT-010）

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

packages/domain/src/index.test.ts

@@ -15,6 +15,9 @@ import {
   classifyRedeemClientError,
   generateRedeemPendingNo,
   REDEEM_WEAKNET_FAIL_THRESHOLD,
+  sumUnbilledPayoutAmount,
+  validateStoreWithdraw,
+  pickPayoutsForWithdrawAmount,
 } from './index';
 
 describe('calcBenefitAmount', () => {
@@ -235,3 +238,58 @@ describe('generateRedeemPendingNo', () => {
     expect(REDEEM_WEAKNET_FAIL_THRESHOLD).toBe(5);
   });
 });
+
+describe('sumUnbilledPayoutAmount', () => {
+  it('sums payout amounts', () => {
+    expect(sumUnbilledPayoutAmount([{ payoutAmount: 60 }, { payoutAmount: 40.5 }])).toBe(100.5);
+  });
+});
+
+describe('validateStoreWithdraw', () => {
+  const base = {
+    whitelistEnabled: true,
+    availableAmount: 1000,
+    requestAmount: 200,
+    todayApplied: 0,
+    dailyLimit: 5000,
+    hasPendingRequest: false,
+    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,
+    ).toBe(false);
+  });
+
+  it('rejects pending request / missing bank / over available', () => {
+    expect(validateStoreWithdraw({ ...base, hasPendingRequest: true }).ok).toBe(false);
+    expect(validateStoreWithdraw({ ...base, hasBankAccount: false }).ok).toBe(false);
+    expect(validateStoreWithdraw({ ...base, requestAmount: 1001 }).ok).toBe(false);
+  });
+
+  it('accepts valid request', () => {
+    expect(validateStoreWithdraw(base).ok).toBe(true);
+  });
+});
+
+describe('pickPayoutsForWithdrawAmount', () => {
+  it('picks FIFO exact match', () => {
+    const rows = [{ payoutAmount: 60 }, { payoutAmount: 40 }, { payoutAmount: 30 }];
+    const r = pickPayoutsForWithdrawAmount(rows, 100);
+    expect(r.ok).toBe(true);
+    if (r.ok) {
+      expect(r.selected).toHaveLength(2);
+      expect(r.amount).toBe(100);
+    }
+  });
+
+  it('rejects non-exact match', () => {
+    const rows = [{ payoutAmount: 60 }, { payoutAmount: 40 }];
+    expect(pickPayoutsForWithdrawAmount(rows, 50).ok).toBe(false);
+  });
+});

packages/domain/src/index.ts

@@ -96,6 +96,85 @@ export function calcRedeemSettleAmount(amount: number, settlementRate: number):
   return Math.round(amount * settlementRate * 100) / 100;
 }
 
+export function sumUnbilledPayoutAmount(payouts: Array<{ payoutAmount: number }>): number {
+  return Math.round(payouts.reduce((sum, p) => sum + Number(p.payoutAmount || 0), 0) * 100) / 100;
+}
+
+export type ValidateStoreWithdrawInput = {
+  whitelistEnabled: boolean;
+  availableAmount: number;
+  requestAmount: number;
+  todayApplied: number;
+  dailyLimit: number;
+  hasPendingRequest: boolean;
+  hasBankAccount: boolean;
+};
+
+/** 门店未出账提现护栏（FIN-001/002 + 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' };
+  }
+  if (input.hasPendingRequest) {
+    return { ok: false, message: '已有待审核提现申请，请等待处理完成' };
+  }
+  if (!(input.requestAmount > 0)) {
+    return { ok: false, message: '提现金额必须大于 0' };
+  }
+  if (input.requestAmount > input.availableAmount + 1e-9) {
+    return { ok: false, message: '提现金额不能超过可提未出账余额' };
+  }
+  const remaining = Math.round((input.dailyLimit - input.todayApplied) * 100) / 100;
+  if (remaining <= 0) {
+    return { ok: false, message: `已达单店单日提现上限 ¥${input.dailyLimit.toFixed(2)}` };
+  }
+  if (input.requestAmount > remaining + 1e-9) {
+    return {
+      ok: false,
+      message: `超过单日剩余额度 ¥${remaining.toFixed(2)}（上限 ¥${input.dailyLimit.toFixed(2)}）`,
+    };
+  }
+  return { ok: true };
+}
+
+/**
+ * 按 FIFO 选取未出账 payout，使合计尽量等于 targetAmount（不超过目标）。
+ * 若无法精确凑齐，返回合计 ≤ target 的最长前缀子集。
+ */
+export function pickPayoutsForWithdrawAmount<T extends { payoutAmount: number }>(
+  payoutsAsc: T[],
+  targetAmount: number,
+): { ok: true; selected: T[]; amount: number } | { ok: false; message: string } {
+  if (!(targetAmount > 0)) return { ok: false, message: '提现金额必须大于 0' };
+  const selected: T[] = [];
+  let sum = 0;
+  for (const p of payoutsAsc) {
+    const next = Math.round((sum + Number(p.payoutAmount)) * 100) / 100;
+    if (next <= targetAmount + 1e-9) {
+      selected.push(p);
+      sum = next;
+      if (Math.abs(sum - targetAmount) < 1e-9) break;
+    } else {
+      break;
+    }
+  }
+  if (!selected.length) {
+    return { ok: false, message: '无可匹配的未出账结算明细，请调整提现金额' };
+  }
+  if (Math.abs(sum - targetAmount) > 1e-9) {
+    return {
+      ok: false,
+      message: `无法按 ¥${targetAmount.toFixed(2)} 精确匹配明细，请按可提总额全额提现或调整金额`,
+    };
+  }
+  return { ok: true, selected, amount: sum };
+}
+
 const TIME_HM_RE = /^([01]\d|2[0-3]):([0-5]\d)$/;
 
 export type BusinessHoursSegment = { open: string; close: string };