merge(dev): 走马灯滚出终点调整

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

.cursor/rules/git-conventions.mdc

@@ -30,4 +30,4 @@ chore(shared-types): add OrderStatus enum
 
 - **仅用户明确要求时** 才执行 git commit / push
 - 不 amend 已推送的 commit，不 force push main/master/dev
-- 发版：`dev`→测试(staging)，`main`→生产；用户只说「发布」默认发测试（见 dukang-release skill）
+- 发版：`dev`→测试(staging)，`main`→生产；用户只说「发布/发版」默认发**生产**（见 dukang-release skill）；明确说「发测试」才发 staging

.cursor/skills/dukang-release/SKILL.md

@@ -18,11 +18,13 @@ description: >-
 | `dev` | **staging 测试** | `/opt/dukang-staging` | 8190–8194 | `*-test.dukanghaoke.com` |
 | `main` | **production 生产** | `/opt/dukang` | 8090–8094 | `*.dukanghaoke.com` |
 
-默认：`dev_jacy` → merge → `dev` → **发测试**。  
-生产：`dev` 验收通过 → merge → `main` → **发生产**。勿 force push `main`/`dev`。
+默认：`dev_jacy` → merge → `dev` → merge → `main` → **发生产**。勿 force push `main`/`dev`。
 
-用户只说「发布」且未指明生产时 → **发测试（staging）**。  
-用户说「发生产 / 上线生产」→ 用 `deploy-prod.sh`。
+> **团队约定（2026-08）**：用户说「发布 / 发版 / 直接发版」且**未特别强调**时 → **发生产（production）**。  
+> 仅当用户明确说「发测试 / staging / 测试环境」时 → 发 staging。
+
+用户说「发生产 / 上线生产 / 发版」→ 用 `deploy-prod.sh`。  
+用户说「发测试」→ 用 `deploy-staging.sh`。
 
 ## 标准流程（Windows）
 

apps/admin-web/src/App.tsx

@@ -96,11 +96,19 @@ export default function App() {
         <Route path="/redeem-pending" element={<PendingRedeemPage />} />
         <Route path="/redeem/debug" element={<RedeemDebugPage />} />
         <Route path="/finance/store-bills" element={<StoreBillsPage />} />
+        <Route
+          path="/finance/store-withdrawals"
+          element={<Navigate to="/finance/store-bills?kind=WITHDRAW" replace />}
+        />
         <Route path="/finance/partner-bills" element={<PartnerBillsPage />} />
         <Route path="/finance/winery-bills" element={<WineryBillsPage />} />
         <Route path="/finance/logistics-bills" element={<LogisticsBillsPage />} />
         <Route path="/store-bills" element={<Navigate to="/finance/store-bills" replace />} />
         <Route path="/store-payouts" element={<Navigate to="/finance/store-bills" replace />} />
+        <Route
+          path="/store-withdrawals"
+          element={<Navigate to="/finance/store-bills?kind=WITHDRAW" replace />}
+        />
         <Route path="/partner-bills" element={<Navigate to="/finance/partner-bills" replace />} />
         <Route path="/tickets" element={<TicketsPage />} />
         <Route path="/tickets/support" element={<SupportTicketsPage />} />

apps/admin-web/src/layouts/AdminLayout.tsx

@@ -157,6 +157,7 @@ function menuAllowed(key: string, permissionKeys: string[]): boolean {
     '/fulfillment-providers': 'partners',
     'finance-group': 'finance',
     '/finance/store-bills': 'finance',
+    '/finance/store-withdrawals': 'finance',
     '/finance/partner-bills': 'finance',
     '/finance/winery-bills': 'finance',
     '/finance/logistics-bills': 'finance',

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

@@ -85,6 +85,8 @@ export type DashboardStats = {
   pendingBills?: number;
   pendingPartnerDraftBills?: number;
   openTickets?: number;
+  pendingStoreWithdrawals?: number;
+  overdueStoreWithdrawals?: number;
   ordersByStatus: Array<{ status: string; count: number }>;
 };
 

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

@@ -27,6 +27,8 @@ export type StoreCreateForm = {
   bankAccountNo: string;
   bankBranch: string;
   settlementRate?: number;
+  visibilityWhitelistEnabled?: boolean;
+  visibilityPhones?: string[];
 };
 
 const PHONE_RE = /^1\d{10}$/;

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

@@ -717,6 +717,26 @@ export default function DashboardPage() {
             />
           </Card>
         </Col>
+        <Col xs={24} sm={12} lg={8}>
+          <Card
+            loading={loading}
+            title="待审门店提现"
+            extra={<Link to="/finance/store-bills?kind=WITHDRAW">去处理</Link>}
+          >
+            <Statistic
+              value={stats?.pendingStoreWithdrawals ?? 0}
+              suffix="笔"
+              valueStyle={{
+                color: (stats?.overdueStoreWithdrawals ?? 0) > 0 ? '#cf1322' : (stats?.pendingStoreWithdrawals ?? 0) > 0 ? '#fa8c16' : undefined,
+              }}
+            />
+            <Typography.Text type="secondary">
+              {(stats?.overdueStoreWithdrawals ?? 0) > 0
+                ? `超时未审 ${stats?.overdueStoreWithdrawals} 笔（FIN-003）`
+                : '工作日 T+0 审完'}
+            </Typography.Text>
+          </Card>
+        </Col>
         <Col xs={24} sm={12} lg={8}>
           <Card loading={loading} title="待处理工单">
             <Statistic value={stats?.openTickets ?? 0} suffix="个" />

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

@@ -1,12 +1,18 @@
 import { useState } from 'react';
-import { Button, Descriptions, Drawer, Form, Input, Table, Typography } from 'antd';
+import { Button, Descriptions, Drawer, Form, Input, Select, Table, Tag, Typography } from 'antd';
 import type { ColumnsType } from 'antd/es/table';
+import { REDEEM_CHANNEL_LABELS, type RedeemChannel } from '@dukang/shared-types';
 import { request } from '../lib/api';
 import { fmtTime } from '../lib/constants';
 import { useAdminList } from '../lib/useAdminList';
 
 type Row = {
-  id: string; redeemNo: string; amount: number; settleAmount: number; createdAt: string;
+  id: string;
+  redeemNo: string;
+  amount: number;
+  settleAmount: number;
+  channel?: RedeemChannel;
+  createdAt: string;
   user?: { userNo: string; phone: string | null };
   store?: { name: string; cityName: string };
   coupon?: { couponNo: string };
@@ -21,6 +27,7 @@ export default function RedeemRecordsPage() {
       const qs = new URLSearchParams();
       if (filters.redeemNo) qs.set('redeemNo', filters.redeemNo);
       if (filters.storeId) qs.set('storeId', filters.storeId);
+      if (filters.channel) qs.set('channel', filters.channel);
       return qs;
     },
     [filters],
@@ -30,6 +37,19 @@ export default function RedeemRecordsPage() {
 
   const columns: ColumnsType<Row> = [
     { title: '核销号', dataIndex: 'redeemNo', width: 180 },
+    {
+      title: '方式',
+      dataIndex: 'channel',
+      width: 110,
+      render: (v: RedeemChannel | undefined) => {
+        const channel = v === 'PHONE' ? 'PHONE' : 'SCAN';
+        return (
+          <Tag color={channel === 'PHONE' ? 'purple' : 'blue'}>
+            {REDEEM_CHANNEL_LABELS[channel]}
+          </Tag>
+        );
+      },
+    },
     { title: '用户', dataIndex: ['user', 'userNo'], width: 110 },
     { title: '门店', dataIndex: ['store', 'name'] },
     { title: '核销额', dataIndex: 'amount', width: 90, render: (v) => `¥${v}` },
@@ -37,12 +57,19 @@ export default function RedeemRecordsPage() {
     { title: '券号', dataIndex: ['coupon', 'couponNo'], width: 160 },
     { title: '时间', dataIndex: 'createdAt', width: 160, render: fmtTime },
     {
-      title: '操作', width: 80,
+      title: '操作',
+      width: 80,
       render: (_, row) => (
-        <Button type="link" size="small" onClick={async () => {
-          setDetail(await request(`/admin/redeem-records/${row.id}`));
-          setDrawerOpen(true);
-        }}>详情</Button>
+        <Button
+          type="link"
+          size="small"
+          onClick={async () => {
+            setDetail(await request(`/admin/redeem-records/${row.id}`));
+            setDrawerOpen(true);
+          }}
+        >
+          详情
+        </Button>
       ),
     },
   ];
@@ -50,16 +77,65 @@ export default function RedeemRecordsPage() {
   return (
     <div>
       <Typography.Title level={4}>核销记录</Typography.Title>
-      <Form form={form} layout="inline" style={{ marginBottom: 16 }} onFinish={(v) => { setFilters(v); setPage(1); }}>
-        <Form.Item name="redeemNo" label="核销号"><Input allowClear /></Form.Item>
-        <Form.Item name="storeId" label="门店ID"><Input allowClear /></Form.Item>
+      <Form
+        form={form}
+        layout="inline"
+        style={{ marginBottom: 16 }}
+        onFinish={(v) => {
+          setFilters(v);
+          setPage(1);
+        }}
+      >
+        <Form.Item name="redeemNo" label="核销号">
+          <Input allowClear />
+        </Form.Item>
+        <Form.Item name="storeId" label="门店ID">
+          <Input allowClear />
+        </Form.Item>
+        <Form.Item name="channel" label="方式">
+          <Select
+            allowClear
+            style={{ width: 140 }}
+            options={[
+              { value: 'SCAN', label: '扫码核销' },
+              { value: 'PHONE', label: '手机号核销' },
+            ]}
+          />
+        </Form.Item>
+        <Form.Item>
+          <Button type="primary" htmlType="submit">
+            查询
+          </Button>
+        </Form.Item>
       </Form>
-      <Table rowKey="id" loading={loading} columns={columns} dataSource={data?.items ?? []} scroll={{ x: 1000 }}
-        pagination={{ current: page, pageSize, total: data?.total ?? 0, showSizeChanger: true, onChange: (p, ps) => { setPage(p); setPageSize(ps); } }} />
+      <Table
+        rowKey="id"
+        loading={loading}
+        columns={columns}
+        dataSource={data?.items ?? []}
+        scroll={{ x: 1100 }}
+        pagination={{
+          current: page,
+          pageSize,
+          total: data?.total ?? 0,
+          showSizeChanger: true,
+          onChange: (p, ps) => {
+            setPage(p);
+            setPageSize(ps);
+          },
+        }}
+      />
       <Drawer title="核销详情" width={520} open={drawerOpen} onClose={() => setDrawerOpen(false)}>
         {detail && (
           <Descriptions column={1} bordered size="small">
             <Descriptions.Item label="核销号">{String(detail.redeemNo)}</Descriptions.Item>
+            <Descriptions.Item label="方式">
+              {
+                REDEEM_CHANNEL_LABELS[
+                  (detail.channel === 'PHONE' ? 'PHONE' : 'SCAN') as RedeemChannel
+                ]
+              }
+            </Descriptions.Item>
             <Descriptions.Item label="核销额">¥{String(detail.amount)}</Descriptions.Item>
             <Descriptions.Item label="结算额">¥{String(detail.settleAmount)}</Descriptions.Item>
             <Descriptions.Item label="时间">{fmtTime(String(detail.createdAt))}</Descriptions.Item>

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

@@ -1,4 +1,5 @@
 import { useEffect, useState } from 'react';
+import { useSearchParams } from 'react-router-dom';
 import {
   Button,
   Card,
@@ -6,6 +7,7 @@ import {
   Descriptions,
   Drawer,
   Form,
+  Input,
   Modal,
   Select,
   Space,
@@ -17,44 +19,61 @@ import {
 } from 'antd';
 import type { ColumnsType } from 'antd/es/table';
 import type { Dayjs } from 'dayjs';
+import {
+  STORE_SETTLEMENT_KIND_LABELS,
+  STORE_SETTLEMENT_STATUS_LABELS,
+  storeSettlementStatusLabel,
+  type StoreSettlementKind,
+  type StoreSettlementStatus,
+} from '@dukang/shared-types';
 import { request, type Paginated } from '../lib/api';
 import { ADMIN_OPTIONS_PAGE_SIZE, fmtTime } from '../lib/constants';
 import { downloadExcelCsv } from '../lib/exportExcel';
 import { useAdminList } from '../lib/useAdminList';
 
 type Row = {
+  kind: StoreSettlementKind;
   id: string;
   billNo: string;
-  billDate: string;
-  redeemCount: number;
-  redeemAmount: number;
-  settlementRate: number;
-  payoutAmount: number;
-  status: string;
-  paidAt?: string | null;
-  store?: { id: string; name: string; cityName: string; phone?: string };
+  amount: number;
+  status: StoreSettlementStatus;
+  date: string;
+  overdue?: boolean;
+  redeemCount?: number | null;
+  redeemAmount?: number | null;
+  settlementRate?: number | null;
+  payoutCount?: number | null;
+  store?: { id: string; name: string; cityName: string; phone?: string | null };
 };
 
 type StoreOption = { id: string; name: string; phone: string };
 
-const STATUS_LABELS: Record<string, string> = {
-  UNPAID: '未打款',
-  PAID: '已打款',
-};
-
 const STATUS_COLORS: Record<string, string> = {
   UNPAID: 'red',
   PAID: 'green',
+  PENDING_REVIEW: 'orange',
+  REJECTED: 'red',
+};
+
+const KIND_COLORS: Record<StoreSettlementKind, string> = {
+  T1_BILL: 'blue',
+  WITHDRAW: 'purple',
 };
 
 export default function StoreBillsPage() {
+  const [searchParams] = useSearchParams();
+  const initialKind = searchParams.get('kind') === 'WITHDRAW' ? 'WITHDRAW' : '';
   const [form] = Form.useForm();
-  const [filters, setFilters] = useState<Record<string, string>>({});
+  const [filters, setFilters] = useState<Record<string, string>>({
+    kind: initialKind,
+    status: initialKind === 'WITHDRAW' ? 'PENDING_REVIEW' : '',
+  });
   const [stores, setStores] = useState<StoreOption[]>([]);
   const { data, loading, page, pageSize, setPage, setPageSize, reload } = useAdminList<Row>(
-    '/admin/store-bills',
+    '/admin/store-settlements',
     () => {
       const qs = new URLSearchParams();
+      if (filters.kind) qs.set('kind', filters.kind);
       if (filters.status) qs.set('status', filters.status);
       if (filters.storeId) qs.set('storeId', filters.storeId);
       if (filters.dateFrom) qs.set('dateFrom', filters.dateFrom);
@@ -64,21 +83,38 @@ export default function StoreBillsPage() {
     [filters],
   );
   const [detail, setDetail] = useState<Record<string, unknown> | null>(null);
+  const [detailKind, setDetailKind] = useState<StoreSettlementKind | null>(null);
   const [drawerOpen, setDrawerOpen] = useState(false);
   const [exporting, setExporting] = useState(false);
   const [selectedKeys, setSelectedKeys] = useState<React.Key[]>([]);
   const [batchLoading, setBatchLoading] = useState(false);
+  const [overdueSummary, setOverdueSummary] = useState<{
+    pendingCount: number;
+    overdueCount: number;
+  } | null>(null);
+
+  useEffect(() => {
+    form.setFieldsValue({
+      kind: filters.kind || undefined,
+      status: filters.status || undefined,
+    });
+  }, [filters.kind, filters.status, form]);
 
   useEffect(() => {
     void request<Paginated<StoreOption>>(`/admin/stores?pageSize=${ADMIN_OPTIONS_PAGE_SIZE}`)
       .then((res) => setStores(res.items))
       .catch(() => {});
+    void request<{ pendingCount: number; overdueCount: number }>(
+      '/admin/store-withdrawals/overdue-summary',
+    )
+      .then(setOverdueSummary)
+      .catch(() => {});
   }, []);
 
   function confirmPay(ids: string[], amountHint?: number) {
     Modal.confirm({
       title: '确认打款？',
-      content: `将确认 ${ids.length} 笔门店对账单${amountHint != null ? `，合计约 ¥${amountHint.toFixed(2)}` : ''}。此操作不可撤销。`,
+      content: `将确认 ${ids.length} 笔 T+1 门店对账单${amountHint != null ? `，合计约 ¥${amountHint.toFixed(2)}` : ''}。此操作不可撤销。`,
       okText: '确认打款',
       cancelText: '取消',
       onOk: async () => {
@@ -102,9 +138,75 @@ export default function StoreBillsPage() {
     });
   }
 
-  async function openDetail(id: string) {
-    const d = await request<Record<string, unknown>>(`/admin/store-bills/${id}`);
+  function approveWithdraw(id: string) {
+    let paymentRef = '';
+    Modal.confirm({
+      title: '审核通过并标记已结算？',
+      content: (
+        <Input
+          placeholder="打款凭证号（可选）"
+          onChange={(e) => {
+            paymentRef = e.target.value;
+          }}
+        />
+      ),
+      okText: '通过并结算',
+      cancelText: '取消',
+      onOk: async () => {
+        await request(`/admin/store-withdrawals/${id}/approve`, {
+          method: 'POST',
+          body: JSON.stringify({ paymentRef: paymentRef.trim() || undefined }),
+        });
+        message.success('已通过并标记已结算');
+        setDrawerOpen(false);
+        reload();
+        void request<{ pendingCount: number; overdueCount: number }>(
+          '/admin/store-withdrawals/overdue-summary',
+        )
+          .then(setOverdueSummary)
+          .catch(() => {});
+      },
+    });
+  }
+
+  function rejectWithdraw(id: string) {
+    let reason = '';
+    Modal.confirm({
+      title: '驳回提现申请？',
+      content: (
+        <Input.TextArea
+          rows={3}
+          placeholder="请填写驳回理由"
+          onChange={(e) => {
+            reason = e.target.value;
+          }}
+        />
+      ),
+      okText: '确认驳回',
+      okButtonProps: { danger: true },
+      cancelText: '取消',
+      onOk: async () => {
+        if (!reason.trim()) {
+          message.error('请填写驳回理由');
+          throw new Error('reason required');
+        }
+        await request(`/admin/store-withdrawals/${id}/reject`, {
+          method: 'POST',
+          body: JSON.stringify({ reason: reason.trim() }),
+        });
+        message.success('已驳回');
+        setDrawerOpen(false);
+        reload();
+      },
+    });
+  }
+
+  async function openDetail(row: Row) {
+    const path =
+      row.kind === 'WITHDRAW' ? `/admin/store-withdrawals/${row.id}` : `/admin/store-bills/${row.id}`;
+    const d = await request<Record<string, unknown>>(path);
     setDetail(d);
+    setDetailKind(row.kind);
     setDrawerOpen(true);
   }
 
@@ -118,88 +220,134 @@ export default function StoreBillsPage() {
       if (filters.dateTo) qs.set('dateTo', filters.dateTo);
       const result = await request<{ csv: string; count: number }>(`/admin/store-bills/export?${qs}`);
       downloadExcelCsv(result.csv, `门店对账单_${filters.dateFrom || 'all'}_${filters.dateTo || 'all'}.csv`);
-      message.success(`已导出 ${result.count} 条`);
+      message.success(`已导出 ${result.count} 条 T+1 账单`);
     } finally {
       setExporting(false);
     }
   }
 
   const summary = data?.summary;
-  const selectedRows = (data?.items ?? []).filter((r) => selectedKeys.includes(r.id));
-  const selectedAmount = selectedRows.reduce((s, r) => s + Number(r.payoutAmount), 0);
+  const selectedRows = (data?.items ?? []).filter(
+    (r) =>
+      selectedKeys.includes(`${r.kind}-${r.id}`) &&
+      r.kind === 'T1_BILL' &&
+      r.status === 'UNPAID',
+  );
+  const selectedAmount = selectedRows.reduce((s, r) => s + Number(r.amount), 0);
 
   const columns: ColumnsType<Row> = [
-    { title: '账单号', dataIndex: 'billNo', width: 170, ellipsis: true },
     {
-      title: '账单日',
-      dataIndex: 'billDate',
-      width: 110,
-      render: (v) => String(v || '').slice(0, 10),
+      title: '类型',
+      dataIndex: 'kind',
+      width: 100,
+      render: (k: StoreSettlementKind) => (
+        <Tag color={KIND_COLORS[k]}>{STORE_SETTLEMENT_KIND_LABELS[k] ?? k}</Tag>
+      ),
+    },
+    {
+      title: '单号',
+      dataIndex: 'billNo',
+      width: 180,
+      ellipsis: true,
+      render: (v, row) => (
+        <Space>
+          <span>{v}</span>
+          {row.overdue ? <Tag color="magenta">超时</Tag> : null}
+        </Space>
+      ),
+    },
+    {
+      title: '日期',
+      dataIndex: 'date',
+      width: 160,
+      render: (v, row) => (row.kind === 'T1_BILL' ? String(v || '').slice(0, 10) : fmtTime(v)),
     },
     { title: '门店', dataIndex: ['store', 'name'], width: 140, ellipsis: true },
     { title: '登录手机', dataIndex: ['store', 'phone'], width: 120, render: (v) => v || '—' },
     { title: '城市', dataIndex: ['store', 'cityName'], width: 90 },
-    { title: '核销笔数', dataIndex: 'redeemCount', width: 90 },
     {
-      title: '核销金额',
-      dataIndex: 'redeemAmount',
-      width: 110,
-      render: (v) => `¥${Number(v).toFixed(2)}`,
-    },
-    {
-      title: '结算比例',
-      dataIndex: 'settlementRate',
-      width: 90,
-      render: (v) => `${Math.round(Number(v) * 100)}%`,
+      title: '笔数',
+      width: 80,
+      render: (_, row) =>
+        row.kind === 'T1_BILL' ? (row.redeemCount ?? '—') : (row.payoutCount ?? '—'),
     },
     {
       title: '应付金额',
-      dataIndex: 'payoutAmount',
+      dataIndex: 'amount',
       width: 110,
       render: (v) => `¥${Number(v).toFixed(2)}`,
     },
     {
       title: '状态',
       dataIndex: 'status',
-      width: 90,
-      render: (s) => <Tag color={STATUS_COLORS[s] || 'default'}>{STATUS_LABELS[s] || s}</Tag>,
+      width: 100,
+      render: (s: string, row) => (
+        <Tag color={STATUS_COLORS[s] || 'default'}>{storeSettlementStatusLabel(row.kind, s)}</Tag>
+      ),
     },
     {
       title: '操作',
-      width: 160,
+      width: 200,
       fixed: 'right',
       render: (_, row) => (
         <Space size={0}>
-          <Button type="link" size="small" onClick={() => void openDetail(row.id)}>
+          <Button type="link" size="small" onClick={() => void openDetail(row)}>
             明细
           </Button>
-          {row.status === 'UNPAID' && (
-            <Button type="link" size="small" onClick={() => confirmPay([row.id], Number(row.payoutAmount))}>
+          {row.kind === 'T1_BILL' && row.status === 'UNPAID' && (
+            <Button type="link" size="small" onClick={() => confirmPay([row.id], Number(row.amount))}>
               确认打款
             </Button>
           )}
+          {row.kind === 'WITHDRAW' && row.status === 'PENDING_REVIEW' && (
+            <>
+              <Button type="link" size="small" onClick={() => approveWithdraw(row.id)}>
+                通过
+              </Button>
+              <Button type="link" size="small" danger onClick={() => rejectWithdraw(row.id)}>
+                驳回
+              </Button>
+            </>
+          )}
         </Space>
       ),
     },
   ];
 
+  const withdrawDetailItems =
+    (detail?.items as Array<Record<string, unknown>> | undefined) ?? [];
+  const storeAccount = detail?.storeAccount as
+    | {
+        name?: string;
+        phone?: string;
+        bankAccountName?: string;
+        bankAccountNo?: string;
+        bankBranch?: string;
+      }
+    | undefined;
+
   return (
     <div>
       <Space direction="vertical" size={0} style={{ marginBottom: 16 }}>
         <Typography.Title level={4} style={{ margin: 0 }}>
-          门店对账单
+          门店账单
         </Typography.Title>
         <Typography.Text type="secondary">
-          按核销日汇总（每日 8:00 自动出账）；未打款红色、已打款绿色
+          含 T+1 自动出账与门店手动提现；按类型筛选，详情与审核动作沿用原接口
         </Typography.Text>
+        {overdueSummary && overdueSummary.overdueCount > 0 ? (
+          <Typography.Text type="danger">
+            手动提现超时未审 {overdueSummary.overdueCount} 笔（待审共 {overdueSummary.pendingCount}）
+          </Typography.Text>
+        ) : null}
       </Space>
 
       {summary && (
         <Card size="small" style={{ marginBottom: 16 }}>
           <Space size="large" wrap>
-            <Statistic title="账单数" value={summary.count} />
+            <Statistic title="记录数" value={summary.count} />
             <Statistic title="核销金额合计" value={summary.redeemAmount ?? 0} prefix="¥" precision={2} />
-            <Statistic title="应付合计" value={summary.payoutAmount ?? 0} prefix="¥" precision={2} />
+            <Statistic title="应付合计" value={summary.payoutAmount ?? summary.totalAmount ?? 0} prefix="¥" precision={2} />
           </Space>
         </Card>
       )}
@@ -208,16 +356,37 @@ export default function StoreBillsPage() {
         form={form}
         layout="inline"
         style={{ marginBottom: 16 }}
-        onFinish={(v: { storeId?: string; status?: string; range?: [Dayjs, Dayjs] }) => {
+        initialValues={{
+          kind: filters.kind || undefined,
+          status: filters.status || undefined,
+        }}
+        onFinish={(v: {
+          kind?: string;
+          storeId?: string;
+          status?: string;
+          range?: [Dayjs, Dayjs];
+        }) => {
           setFilters({
+            kind: v.kind || '',
             storeId: v.storeId || '',
             status: v.status || '',
             dateFrom: v.range?.[0] ? v.range[0].format('YYYY-MM-DD') : '',
             dateTo: v.range?.[1] ? v.range[1].format('YYYY-MM-DD') : '',
           });
           setPage(1);
+          setSelectedKeys([]);
         }}
       >
+        <Form.Item name="kind" label="类型">
+          <Select
+            allowClear
+            style={{ width: 140 }}
+            options={Object.entries(STORE_SETTLEMENT_KIND_LABELS).map(([value, label]) => ({
+              value,
+              label,
+            }))}
+          />
+        </Form.Item>
         <Form.Item name="storeId" label="门店">
           <Select
             allowClear
@@ -232,10 +401,16 @@ export default function StoreBillsPage() {
           <Select
             allowClear
             style={{ width: 120 }}
-            options={Object.entries(STATUS_LABELS).map(([value, label]) => ({ value, label }))}
+            options={Object.entries(STORE_SETTLEMENT_STATUS_LABELS).map(([value, label]) => ({
+              value,
+              label:
+                value === 'PAID'
+                  ? '已打款/已结算'
+                  : label,
+            }))}
           />
         </Form.Item>
-        <Form.Item name="range" label="账单日">
+        <Form.Item name="range" label="日期">
           <DatePicker.RangePicker />
         </Form.Item>
         <Form.Item>
@@ -249,6 +424,7 @@ export default function StoreBillsPage() {
               form.resetFields();
               setFilters({});
               setPage(1);
+              setSelectedKeys([]);
             }}
           >
             重置
@@ -256,33 +432,36 @@ export default function StoreBillsPage() {
         </Form.Item>
         <Form.Item>
           <Button loading={exporting} onClick={() => void exportExcel()}>
-            导出 Excel
+            导出 T+1 Excel
           </Button>
         </Form.Item>
         <Form.Item>
           <Button
             type="primary"
-            disabled={!selectedKeys.length}
+            disabled={!selectedRows.length}
             loading={batchLoading}
-            onClick={() => confirmPay(selectedKeys.map(String), selectedAmount)}
+            onClick={() => confirmPay(selectedRows.map((r) => r.id), selectedAmount)}
           >
-            批量确认打款 ({selectedKeys.length})
+            批量确认打款 ({selectedRows.length})
           </Button>
         </Form.Item>
       </Form>
 
       <Table
-        rowKey="id"
+        rowKey={(r) => `${r.kind}-${r.id}`}
         className="admin-table-nowrap"
         loading={loading}
         columns={columns}
         dataSource={data?.items ?? []}
+        rowClassName={(row) => (row.overdue ? 'ant-table-row-selected' : '')}
         rowSelection={{
           selectedRowKeys: selectedKeys,
           onChange: setSelectedKeys,
-          getCheckboxProps: (r) => ({ disabled: r.status !== 'UNPAID' }),
+          getCheckboxProps: (r) => ({
+            disabled: !(r.kind === 'T1_BILL' && r.status === 'UNPAID'),
+          }),
         }}
-        scroll={{ x: 1200 }}
+        scroll={{ x: 1300 }}
         pagination={{
           current: page,
           pageSize,
@@ -295,14 +474,25 @@ export default function StoreBillsPage() {
         }}
       />
 
-      <Drawer title="门店对账单明细" open={drawerOpen} onClose={() => setDrawerOpen(false)} width={520}>
-        {detail && (
+      <Drawer
+        title={detailKind === 'WITHDRAW' ? '手动提现明细' : 'T+1 对账单明细'}
+        open={drawerOpen}
+        onClose={() => setDrawerOpen(false)}
+        width={detailKind === 'WITHDRAW' ? 640 : 520}
+      >
+        {detail && detailKind === 'T1_BILL' && (
           <>
             <Descriptions column={1} size="small" bordered>
               <Descriptions.Item label="账单号">{String(detail.billNo)}</Descriptions.Item>
-              <Descriptions.Item label="账单日">{String(detail.billDate || '').slice(0, 10)}</Descriptions.Item>
-              <Descriptions.Item label="应付">¥{Number(detail.payoutAmount ?? 0).toFixed(2)}</Descriptions.Item>
-              <Descriptions.Item label="状态">{STATUS_LABELS[String(detail.status)] || String(detail.status)}</Descriptions.Item>
+              <Descriptions.Item label="账单日">
+                {String(detail.billDate || '').slice(0, 10)}
+              </Descriptions.Item>
+              <Descriptions.Item label="应付">
+                ¥{Number(detail.payoutAmount ?? 0).toFixed(2)}
+              </Descriptions.Item>
+              <Descriptions.Item label="状态">
+                {storeSettlementStatusLabel('T1_BILL', String(detail.status))}
+              </Descriptions.Item>
               <Descriptions.Item label="打款时间">
                 {detail.paidAt ? fmtTime(String(detail.paidAt)) : '—'}
               </Descriptions.Item>
@@ -318,7 +508,8 @@ export default function StoreBillsPage() {
               columns={[
                 {
                   title: '核销单号',
-                  render: (_, r) => String((r.redeemRecord as { redeemNo?: string })?.redeemNo || '—'),
+                  render: (_, r) =>
+                    String((r.redeemRecord as { redeemNo?: string })?.redeemNo || '—'),
                 },
                 {
                   title: '金额',
@@ -334,6 +525,83 @@ export default function StoreBillsPage() {
             />
           </>
         )}
+        {detail && detailKind === 'WITHDRAW' && (
+          <>
+            <Descriptions column={1} size="small" bordered>
+              <Descriptions.Item label="提现单号">{String(detail.withdrawNo)}</Descriptions.Item>
+              <Descriptions.Item label="金额">
+                ¥{Number(detail.amount ?? 0).toFixed(2)}
+              </Descriptions.Item>
+              <Descriptions.Item label="状态">
+                {storeSettlementStatusLabel('WITHDRAW', String(detail.status))}
+              </Descriptions.Item>
+              <Descriptions.Item label="申请时间">
+                {detail.appliedAt ? fmtTime(String(detail.appliedAt)) : '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="驳回理由">
+                {detail.rejectReason ? String(detail.rejectReason) : '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="打款凭证">
+                {detail.paymentRef ? String(detail.paymentRef) : '—'}
+              </Descriptions.Item>
+            </Descriptions>
+            {storeAccount ? (
+              <>
+                <Typography.Title level={5} style={{ marginTop: 16 }}>
+                  收款账户
+                </Typography.Title>
+                <Descriptions column={1} size="small" bordered>
+                  <Descriptions.Item label="户名">
+                    {storeAccount.bankAccountName || '—'}
+                  </Descriptions.Item>
+                  <Descriptions.Item label="账号">
+                    {storeAccount.bankAccountNo || '—'}
+                  </Descriptions.Item>
+                  <Descriptions.Item label="开户行">
+                    {storeAccount.bankBranch || '—'}
+                  </Descriptions.Item>
+                </Descriptions>
+              </>
+            ) : null}
+            <Typography.Title level={5} style={{ marginTop: 16 }}>
+              提现明细
+            </Typography.Title>
+            <Table
+              size="small"
+              rowKey="id"
+              pagination={false}
+              dataSource={withdrawDetailItems}
+              columns={[
+                {
+                  title: '核销单号',
+                  render: (_, r) => {
+                    const payout = r.storePayout as
+                      | { redeemRecord?: { redeemNo?: string }; payoutAmount?: number }
+                      | undefined;
+                    return String(payout?.redeemRecord?.redeemNo || '—');
+                  },
+                },
+                {
+                  title: '应付',
+                  render: (_, r) => {
+                    const payout = r.storePayout as { payoutAmount?: number } | undefined;
+                    return `¥${Number(payout?.payoutAmount ?? 0).toFixed(2)}`;
+                  },
+                },
+              ]}
+            />
+            {String(detail.status) === 'PENDING_REVIEW' ? (
+              <Space style={{ marginTop: 16 }}>
+                <Button type="primary" onClick={() => approveWithdraw(String(detail.id))}>
+                  通过
+                </Button>
+                <Button danger onClick={() => rejectWithdraw(String(detail.id))}>
+                  驳回
+                </Button>
+              </Space>
+            ) : null}
+          </>
+        )}
       </Drawer>
     </div>
   );

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

@@ -0,0 +1,394 @@
+import { useEffect, useState } from 'react';
+import {
+  Button,
+  DatePicker,
+  Descriptions,
+  Drawer,
+  Form,
+  Input,
+  Modal,
+  Select,
+  Space,
+  Table,
+  Tag,
+  Typography,
+  message,
+} from 'antd';
+import type { ColumnsType } from 'antd/es/table';
+import type { Dayjs } from 'dayjs';
+import { STORE_WITHDRAW_STATUS_LABELS, type StoreWithdrawStatus } from '@dukang/shared-types';
+import { request, type Paginated } from '../lib/api';
+import { ADMIN_OPTIONS_PAGE_SIZE, fmtTime } from '../lib/constants';
+import { useAdminList } from '../lib/useAdminList';
+
+type Row = {
+  id: string;
+  withdrawNo: string;
+  amount: number;
+  payoutCount: number;
+  status: StoreWithdrawStatus;
+  appliedAt: string;
+  reviewedAt?: string | null;
+  paidAt?: string | null;
+  paymentRef?: string | null;
+  rejectReason?: string | null;
+  overdue?: boolean;
+  store?: { id: string; name: string; cityName: string; phone?: string };
+};
+
+type StoreOption = { id: string; name: string; phone: string };
+
+const STATUS_COLORS: Record<string, string> = {
+  PENDING_REVIEW: 'orange',
+  REJECTED: 'red',
+  PAID: 'green',
+};
+
+export default function StoreWithdrawalsPage() {
+  const [form] = Form.useForm();
+  const [filters, setFilters] = useState<Record<string, string>>({ status: 'PENDING_REVIEW' });
+  const [stores, setStores] = useState<StoreOption[]>([]);
+  const { data, loading, page, pageSize, setPage, setPageSize, reload } = useAdminList<Row>(
+    '/admin/store-withdrawals',
+    () => {
+      const qs = new URLSearchParams();
+      if (filters.status) qs.set('status', filters.status);
+      if (filters.storeId) qs.set('storeId', filters.storeId);
+      if (filters.dateFrom) qs.set('dateFrom', filters.dateFrom);
+      if (filters.dateTo) qs.set('dateTo', filters.dateTo);
+      return qs;
+    },
+    [filters],
+  );
+  const [detail, setDetail] = useState<Record<string, unknown> | null>(null);
+  const [drawerOpen, setDrawerOpen] = useState(false);
+  const [overdueSummary, setOverdueSummary] = useState<{
+    pendingCount: number;
+    overdueCount: number;
+  } | null>(null);
+
+  useEffect(() => {
+    void request<Paginated<StoreOption>>(`/admin/stores?pageSize=${ADMIN_OPTIONS_PAGE_SIZE}`)
+      .then((res) => setStores(res.items))
+      .catch(() => {});
+    void request<{ pendingCount: number; overdueCount: number }>(
+      '/admin/store-withdrawals/overdue-summary',
+    )
+      .then(setOverdueSummary)
+      .catch(() => {});
+  }, []);
+
+  async function openDetail(id: string) {
+    const d = await request<Record<string, unknown>>(`/admin/store-withdrawals/${id}`);
+    setDetail(d);
+    setDrawerOpen(true);
+  }
+
+  function approve(id: string) {
+    let paymentRef = '';
+    Modal.confirm({
+      title: '审核通过并标记已结算？',
+      content: (
+        <Input
+          placeholder="打款凭证号（可选）"
+          onChange={(e) => {
+            paymentRef = e.target.value;
+          }}
+        />
+      ),
+      okText: '通过并结算',
+      cancelText: '取消',
+      onOk: async () => {
+        await request(`/admin/store-withdrawals/${id}/approve`, {
+          method: 'POST',
+          body: JSON.stringify({ paymentRef: paymentRef.trim() || undefined }),
+        });
+        message.success('已通过并标记已结算');
+        setDrawerOpen(false);
+        reload();
+        void request<{ pendingCount: number; overdueCount: number }>(
+          '/admin/store-withdrawals/overdue-summary',
+        )
+          .then(setOverdueSummary)
+          .catch(() => {});
+      },
+    });
+  }
+
+  function reject(id: string) {
+    let reason = '';
+    Modal.confirm({
+      title: '驳回提现申请？',
+      content: (
+        <Input.TextArea
+          rows={3}
+          placeholder="请填写驳回理由"
+          onChange={(e) => {
+            reason = e.target.value;
+          }}
+        />
+      ),
+      okText: '确认驳回',
+      okButtonProps: { danger: true },
+      cancelText: '取消',
+      onOk: async () => {
+        if (!reason.trim()) {
+          message.error('请填写驳回理由');
+          throw new Error('reason required');
+        }
+        await request(`/admin/store-withdrawals/${id}/reject`, {
+          method: 'POST',
+          body: JSON.stringify({ reason: reason.trim() }),
+        });
+        message.success('已驳回');
+        setDrawerOpen(false);
+        reload();
+      },
+    });
+  }
+
+  const columns: ColumnsType<Row> = [
+    {
+      title: '提现单号',
+      dataIndex: 'withdrawNo',
+      width: 180,
+      render: (v, row) => (
+        <Space>
+          <Typography.Link onClick={() => void openDetail(row.id)}>{v}</Typography.Link>
+          {row.overdue ? <Tag color="magenta">超时</Tag> : null}
+        </Space>
+      ),
+    },
+    {
+      title: '门店',
+      dataIndex: ['store', 'name'],
+      width: 160,
+      render: (_, row) => (
+        <div>
+          <div>{row.store?.name || '—'}</div>
+          <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+            {row.store?.cityName} {row.store?.phone}
+          </Typography.Text>
+        </div>
+      ),
+    },
+    {
+      title: '金额',
+      dataIndex: 'amount',
+      width: 110,
+      render: (v) => `¥${Number(v).toFixed(2)}`,
+    },
+    { title: '明细笔数', dataIndex: 'payoutCount', width: 90 },
+    {
+      title: '状态',
+      dataIndex: 'status',
+      width: 100,
+      render: (v: StoreWithdrawStatus) => (
+        <Tag color={STATUS_COLORS[v]}>{STORE_WITHDRAW_STATUS_LABELS[v] ?? v}</Tag>
+      ),
+    },
+    {
+      title: '申请时间',
+      dataIndex: 'appliedAt',
+      width: 170,
+      render: (v) => fmtTime(v),
+    },
+    {
+      title: '操作',
+      key: 'actions',
+      width: 180,
+      fixed: 'right',
+      render: (_, row) => (
+        <Space>
+          <Button size="small" onClick={() => void openDetail(row.id)}>
+            详情
+          </Button>
+          {row.status === 'PENDING_REVIEW' ? (
+            <>
+              <Button size="small" type="primary" onClick={() => approve(row.id)}>
+                通过
+              </Button>
+              <Button size="small" danger onClick={() => reject(row.id)}>
+                驳回
+              </Button>
+            </>
+          ) : null}
+        </Space>
+      ),
+    },
+  ];
+
+  const detailItems = (detail?.items as Array<Record<string, unknown>> | undefined) ?? [];
+  const storeAccount = detail?.storeAccount as
+    | {
+        name?: string;
+        phone?: string;
+        bankAccountName?: string;
+        bankAccountNo?: string;
+        bankBranch?: string;
+      }
+    | undefined;
+
+  return (
+    <div>
+      <Typography.Title level={4} style={{ marginTop: 0 }}>
+        门店提现审
+      </Typography.Title>
+      {overdueSummary ? (
+        <Typography.Paragraph type="secondary">
+          待审 {overdueSummary.pendingCount} 笔
+          {overdueSummary.overdueCount > 0 ? (
+            <Typography.Text type="danger">
+              {' '}
+              · 超时未审 {overdueSummary.overdueCount} 笔（FIN-003）
+            </Typography.Text>
+          ) : null}
+        </Typography.Paragraph>
+      ) : null}
+
+      <Form
+        form={form}
+        layout="inline"
+        style={{ marginBottom: 16, gap: 8 }}
+        initialValues={{ status: 'PENDING_REVIEW' }}
+        onFinish={(v) => {
+          const range = v.range as [Dayjs, Dayjs] | undefined;
+          setFilters({
+            status: v.status || '',
+            storeId: v.storeId || '',
+            dateFrom: range?.[0]?.format('YYYY-MM-DD') || '',
+            dateTo: range?.[1]?.format('YYYY-MM-DD') || '',
+          });
+        }}
+      >
+        <Form.Item name="status" label="状态">
+          <Select
+            allowClear
+            style={{ width: 140 }}
+            options={[
+              { value: 'PENDING_REVIEW', label: '待审核' },
+              { value: 'PAID', label: '已结算' },
+              { value: 'REJECTED', label: '已驳回' },
+            ]}
+          />
+        </Form.Item>
+        <Form.Item name="storeId" label="门店">
+          <Select
+            allowClear
+            showSearch
+            optionFilterProp="label"
+            style={{ width: 220 }}
+            options={stores.map((s) => ({
+              value: s.id,
+              label: `${s.name} (${s.phone})`,
+            }))}
+          />
+        </Form.Item>
+        <Form.Item name="range" label="申请日">
+          <DatePicker.RangePicker />
+        </Form.Item>
+        <Form.Item>
+          <Button type="primary" htmlType="submit">
+            查询
+          </Button>
+        </Form.Item>
+      </Form>
+
+      <Table
+        rowKey="id"
+        loading={loading}
+        columns={columns}
+        dataSource={data?.items ?? []}
+        scroll={{ x: 1100 }}
+        rowClassName={(row) => (row.overdue ? 'ant-table-row-selected' : '')}
+        pagination={{
+          current: page,
+          pageSize,
+          total: data?.total ?? 0,
+          showSizeChanger: true,
+          onChange: (p, ps) => {
+            setPage(p);
+            setPageSize(ps);
+          },
+        }}
+      />
+
+      <Drawer
+        title="提现详情"
+        width={640}
+        open={drawerOpen}
+        onClose={() => setDrawerOpen(false)}
+        extra={
+          detail?.status === 'PENDING_REVIEW' ? (
+            <Space>
+              <Button type="primary" onClick={() => approve(String(detail.id))}>
+                通过
+              </Button>
+              <Button danger onClick={() => reject(String(detail.id))}>
+                驳回
+              </Button>
+            </Space>
+          ) : null
+        }
+      >
+        {detail ? (
+          <>
+            <Descriptions column={1} size="small" bordered>
+              <Descriptions.Item label="提现单号">{String(detail.withdrawNo)}</Descriptions.Item>
+              <Descriptions.Item label="状态">
+                <Tag color={STATUS_COLORS[String(detail.status)]}>
+                  {STORE_WITHDRAW_STATUS_LABELS[detail.status as StoreWithdrawStatus] ??
+                    String(detail.status)}
+                </Tag>
+                {detail.overdue ? <Tag color="magenta">超时</Tag> : null}
+              </Descriptions.Item>
+              <Descriptions.Item label="金额">¥{Number(detail.amount).toFixed(2)}</Descriptions.Item>
+              <Descriptions.Item label="明细笔数">{String(detail.payoutCount)}</Descriptions.Item>
+              <Descriptions.Item label="申请时间">{fmtTime(String(detail.appliedAt))}</Descriptions.Item>
+              {detail.rejectReason ? (
+                <Descriptions.Item label="驳回理由">{String(detail.rejectReason)}</Descriptions.Item>
+              ) : null}
+              {detail.paymentRef ? (
+                <Descriptions.Item label="打款凭证">{String(detail.paymentRef)}</Descriptions.Item>
+              ) : null}
+              <Descriptions.Item label="收款户名">
+                {storeAccount?.bankAccountName || '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="收款账号">
+                {storeAccount?.bankAccountNo || '—'}
+              </Descriptions.Item>
+              <Descriptions.Item label="开户行">{storeAccount?.bankBranch || '—'}</Descriptions.Item>
+            </Descriptions>
+
+            <Typography.Title level={5} style={{ marginTop: 24 }}>
+              关联结算明细
+            </Typography.Title>
+            <Table
+              size="small"
+              rowKey={(r) => String((r as { id?: string }).id)}
+              pagination={false}
+              dataSource={detailItems}
+              columns={[
+                {
+                  title: '核销单号',
+                  render: (_, r) => {
+                    const payout = (r as { storePayout?: { redeemRecord?: { redeemNo?: string } } })
+                      .storePayout;
+                    return payout?.redeemRecord?.redeemNo || '—';
+                  },
+                },
+                {
+                  title: '结算额',
+                  render: (_, r) => {
+                    const payout = (r as { storePayout?: { payoutAmount?: number } }).storePayout;
+                    return `¥${Number(payout?.payoutAmount ?? 0).toFixed(2)}`;
+                  },
+                },
+              ]}
+            />
+          </>
+        ) : null}
+      </Drawer>
+    </div>
+  );
+}

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

@@ -1,4 +1,4 @@
-import { useEffect, useMemo, useState } from 'react';
+import { useEffect, useMemo, useRef, useState } from 'react';
 import { useNavigate, useSearchParams } from 'react-router-dom';
 import {
   Alert,
@@ -13,6 +13,7 @@ import {
   Select,
   Space,
   Steps,
+  Switch,
   Table,
   Tabs,
   Tag,
@@ -20,6 +21,7 @@ import {
   message,
 } from 'antd';
 import type { ColumnsType } from 'antd/es/table';
+import type { FormInstance } from 'antd/es/form';
 import { FilePdfOutlined, LinkOutlined, EnvironmentOutlined } from '@ant-design/icons';
 import { request, type Paginated } from '../lib/api';
 import {
@@ -274,6 +276,89 @@ function StoreAuditMediaSection({ detail }: { detail: Record<string, unknown> })
   );
 }
 
+type UserPickRow = { id: string; phone?: string | null; nickname?: string | null; userNo?: string | null };
+
+function StoreVisibilityWhitelistFields({ form }: { form: FormInstance }) {
+  const [userOptions, setUserOptions] = useState<UserPickRow[]>([]);
+  const [userSearching, setUserSearching] = useState(false);
+  const searchTimer = useRef<ReturnType<typeof setTimeout> | null>(null);
+
+  async function searchUsers(keyword: string) {
+    const q = keyword.trim();
+    if (searchTimer.current) clearTimeout(searchTimer.current);
+    if (!q) {
+      setUserOptions([]);
+      return;
+    }
+    searchTimer.current = setTimeout(() => {
+      void (async () => {
+        setUserSearching(true);
+        try {
+          const qs = new URLSearchParams({ page: '1', pageSize: '20', phone: q });
+          const res = await request<{ items: UserPickRow[] }>(`/admin/users?${qs}`);
+          setUserOptions((res.items ?? []).filter((u) => !!u.phone));
+        } catch {
+          setUserOptions([]);
+        } finally {
+          setUserSearching(false);
+        }
+      })();
+    }, 300);
+  }
+
+  const enabled = Form.useWatch('visibilityWhitelistEnabled', form);
+
+  return (
+    <>
+      <Form.Item
+        name="visibilityWhitelistEnabled"
+        label="可见白名单"
+        valuePropName="checked"
+        extra="开启后仅名单内手机号在 C 端可见，用于在线测试"
+      >
+        <Switch checkedChildren="开" unCheckedChildren="关" />
+      </Form.Item>
+      {enabled ? (
+        <>
+          <Form.Item
+            name="visibilityPhones"
+            label="白名单手机号"
+            rules={[{ required: true, message: '请至少添加一个手机号' }]}
+            extra="可直接输入多个手机号回车添加，或从下方用户库选择"
+          >
+            <Select
+              mode="tags"
+              tokenSeparators={[',', ' ', '，', ';', '；']}
+              placeholder="输入手机号后回车"
+              style={{ width: '100%' }}
+            />
+          </Form.Item>
+          <Form.Item label="从用户库添加">
+            <Select
+              showSearch
+              filterOption={false}
+              placeholder="按手机号搜索用户"
+              loading={userSearching}
+              options={userOptions.map((u) => ({
+                value: u.phone!,
+                label: `${u.phone}${u.nickname ? ` · ${u.nickname}` : ''}${u.userNo ? `（${u.userNo}）` : ''}`,
+              }))}
+              onSearch={searchUsers}
+              onSelect={(phone: string) => {
+                const cur = (form.getFieldValue('visibilityPhones') as string[] | undefined) ?? [];
+                if (!cur.includes(phone)) {
+                  form.setFieldsValue({ visibilityPhones: [...cur, phone] });
+                }
+              }}
+              notFoundContent={userSearching ? '搜索中…' : '输入手机号搜索'}
+            />
+          </Form.Item>
+        </>
+      ) : null}
+    </>
+  );
+}
+
 type StoreRow = {
   id: string;
   name: string;
@@ -287,6 +372,8 @@ type StoreRow = {
   intro: string | null;
   coverUrl: string | null;
   createdAt: string;
+  visibilityWhitelistEnabled?: boolean;
+  visibilityPhones?: string[];
   cityRef?: { name: string; code: string };
   partner?: { companyName: string };
   account?: {
@@ -504,6 +591,10 @@ export default function StoresPage() {
       bankAccountName: account?.bankAccountName || undefined,
       bankAccountNo: account?.bankAccountNo || undefined,
       bankBranch: account?.bankBranch || undefined,
+      visibilityWhitelistEnabled: !!d.visibilityWhitelistEnabled,
+      visibilityPhones: Array.isArray(d.visibilityPhones)
+        ? (d.visibilityPhones as string[])
+        : [],
     });
     setDrawerOpen(true);
   }
@@ -543,6 +634,10 @@ export default function StoresPage() {
         bankAccountName: v.bankAccountName ?? null,
         bankAccountNo: v.bankAccountNo ?? null,
         bankBranch: v.bankBranch ?? null,
+        visibilityWhitelistEnabled: !!v.visibilityWhitelistEnabled,
+        visibilityPhones: ((v.visibilityPhones as string[] | undefined) ?? [])
+          .map((p) => String(p || '').replace(/\D/g, '').trim())
+          .filter(Boolean),
         ...(hasCoords
           ? { latitude: Number(v.latitude), longitude: Number(v.longitude) }
           : {}),
@@ -632,6 +727,8 @@ export default function StoresPage() {
       openTime2: undefined,
       closeTime2: undefined,
       avgPrice: undefined,
+      visibilityWhitelistEnabled: false,
+      visibilityPhones: [],
     });
     setCreateStep(0);
     setCreateError('');
@@ -713,6 +810,10 @@ export default function StoresPage() {
           bankAccountNo: values.bankAccountNo.replace(/\s/g, ''),
           bankBranch: values.bankBranch.trim(),
           settlementRate: Number(values.settlementRate ?? 60) / 100,
+          visibilityWhitelistEnabled: !!values.visibilityWhitelistEnabled,
+          visibilityPhones: (values.visibilityPhones ?? [])
+            .map((p: string) => String(p || '').replace(/\D/g, '').trim())
+            .filter(Boolean),
         }),
       });
       message.success('门店已创建');
@@ -766,6 +867,13 @@ export default function StoresPage() {
       },
     },
     { title: '开城合伙人', dataIndex: ['partner', 'companyName'], width: 120 },
+    {
+      title: '可见',
+      dataIndex: 'visibilityWhitelistEnabled',
+      width: 90,
+      render: (v, row) =>
+        v ? <Tag color="orange">限{row.visibilityPhones?.length ?? 0}人</Tag> : <Tag>公开</Tag>,
+    },
     { title: '介绍', dataIndex: 'intro', width: 160, ellipsis: true, render: (v) => v || '—' },
     { title: '店长', dataIndex: ['account', 'name'], width: 90, render: (v) => v || '—' },
     { title: '创建', dataIndex: 'createdAt', width: 160, render: fmtTime },
@@ -1059,6 +1167,7 @@ export default function StoresPage() {
                           <Input type="time" style={{ width: 140 }} />
                         </Form.Item>
                       </Space>
+                      <StoreVisibilityWhitelistFields form={editForm} />
                     </>
                   ),
                 },
@@ -1279,6 +1388,7 @@ export default function StoresPage() {
               >
                 <Input.TextArea rows={3} placeholder="选填，最多1000字" showCount maxLength={1000} />
               </Form.Item>
+              <StoreVisibilityWhitelistFields form={createForm} />
           </div>
           <div style={{ display: createStep === 1 ? 'block' : 'none' }}>
               <Typography.Paragraph type="secondary">

apps/h5-shop/src/App.tsx

@@ -12,6 +12,7 @@ import RecordsPage from './pages/RecordsPage';
 import StatusPage from './pages/StatusPage';
 import MinePage from './pages/MinePage';
 import StaffPage from './pages/StaffPage';
+import WithdrawPage from './pages/WithdrawPage';
 
 export default function App() {
   return (
@@ -22,6 +23,7 @@ export default function App() {
         <Route path="/legal/privacy-policy" element={<LegalPage docId="privacy-policy" />} />
         <Route path="/select-store" element={<SelectStorePage />} />
         <Route path="/staff" element={<StaffPage />} />
+        <Route path="/withdraw" element={<WithdrawPage />} />
         <Route path="/redeem" element={<RedeemConfirmPage />} />
         <Route path="/redeem/phone" element={<PhoneRedeemPage />} />
         <Route path="/redeem/success" element={<RedeemSuccessPage />} />

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

@@ -190,6 +190,9 @@ export default function HomePage() {
             <div className="shop-home-stat">
               <p className="shop-home-stat-label">今日核销笔数</p>
               <p className="shop-home-stat-value">{Number(dash?.todayCount || 0)}</p>
+              <p className="shop-home-stat-sub">
+                扫码 {Number(dash?.todayScanCount || 0)} · 手机号 {Number(dash?.todayPhoneCount || 0)}
+              </p>
             </div>
             <div className="shop-home-stat">
               <p className="shop-home-stat-label">今日到账金额</p>

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

@@ -141,6 +141,10 @@ export default function MinePage() {
               切换门店
             </button>
           ) : null}
+          <button type="button" className="shop-mine-action" onClick={() => navigate('/withdraw')}>
+            <span className="material-symbols-outlined" style={{ fontSize: 20 }}>account_balance_wallet</span>
+            结算提现
+          </button>
           {profile?.isPrimary ? (
             <button type="button" className="shop-mine-action" onClick={() => navigate('/staff')}>
               <span className="material-symbols-outlined" style={{ fontSize: 20 }}>group</span>

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

@@ -1,5 +1,6 @@
 import { useCallback, useEffect, useMemo, useState } from 'react';
 import PullToRefresh from '@dukang/shared-ui/PullToRefresh';
+import { REDEEM_CHANNEL_LABELS, type RedeemChannel, type RedeemStatsDto } from '@dukang/shared-types';
 import { request } from '../lib/api';
 
 type RangeKey = 'today' | '7d' | '30d';
@@ -23,32 +24,59 @@ function inRange(dateStr: string, range: RangeKey) {
   return d >= start;
 }
 
+function channelLabel(channel: unknown): string {
+  const key = channel === 'PHONE' ? 'PHONE' : 'SCAN';
+  return REDEEM_CHANNEL_LABELS[key];
+}
+
 export default function RecordsPage() {
   const [records, setRecords] = useState<Array<Record<string, unknown>>>([]);
   const [range, setRange] = useState<RangeKey>('today');
   const [statusFilter, setStatusFilter] = useState<StatusFilter>('all');
   const [storeName, setStoreName] = useState('');
+  const [statsOpen, setStatsOpen] = useState(false);
+  const [statsLoading, setStatsLoading] = useState(false);
+  const [stats, setStats] = useState<RedeemStatsDto | null>(null);
 
   const loadRecords = useCallback(() => {
     return Promise.all([
-      request<{ list: Array<Record<string, unknown>> }>('SHOP_H5', '/shop/redeem/records').then((d) => {
-        setRecords(d.list || []);
-      }),
+      request<{ list: Array<Record<string, unknown>> }>('SHOP_H5', '/shop/redeem/records?pageSize=200').then(
+        (d) => {
+          setRecords(d.list || []);
+        },
+      ),
       request<Record<string, unknown>>('SHOP_H5', '/shop/store')
         .then((s) => setStoreName(String(s.name || '')))
         .catch(() => {}),
     ]);
   }, []);
 
+  const loadStats = useCallback(async (r: RangeKey) => {
+    setStatsLoading(true);
+    try {
+      const data = await request<RedeemStatsDto>('SHOP_H5', `/shop/redeem/stats?range=${r}`);
+      setStats(data);
+    } catch {
+      setStats(null);
+    } finally {
+      setStatsLoading(false);
+    }
+  }, []);
+
   useEffect(() => {
     void loadRecords();
   }, [loadRecords]);
 
+  useEffect(() => {
+    if (statsOpen) void loadStats(range);
+  }, [statsOpen, range, loadStats]);
+
   const filtered = useMemo(() => {
     return records.filter((r) => {
       if (!inRange(String(r.createdAt), range)) return false;
       if (statusFilter === 'all') return true;
-      const isPaid = Boolean(r.paidAt);
+      const payout = r.payout as { paidAt?: string | null; status?: string } | undefined;
+      const isPaid = Boolean(payout?.paidAt) || payout?.status === 'PAID' || Boolean(r.paidAt);
       if (statusFilter === 'paid') return isPaid;
       return !isPaid;
     });
@@ -70,11 +98,13 @@ export default function RecordsPage() {
       <div className="shop-records-main">
         <nav className="shop-records-filters">
           <div className="shop-records-range-tabs">
-            {([
-              ['today', '今日'],
-              ['7d', '近7日'],
-              ['30d', '近30日'],
-            ] as const).map(([key, label]) => (
+            {(
+              [
+                ['today', '今日'],
+                ['7d', '近7日'],
+                ['30d', '近30日'],
+              ] as const
+            ).map(([key, label]) => (
               <button
                 key={key}
                 type="button"
@@ -85,21 +115,35 @@ export default function RecordsPage() {
               </button>
             ))}
           </div>
-          <div className="shop-records-status-chips">
-            {([
-              ['all', '全部'],
-              ['pending', '待打款'],
-              ['paid', '已打款'],
-            ] as const).map(([key, label]) => (
-              <button
-                key={key}
-                type="button"
-                className={`shop-records-chip${statusFilter === key ? ' active' : ''}`}
-                onClick={() => setStatusFilter(key)}
-              >
-                {label}
-              </button>
-            ))}
+          <div className="shop-records-status-row">
+            <div className="shop-records-status-chips">
+              {(
+                [
+                  ['all', '全部'],
+                  ['pending', '待打款'],
+                  ['paid', '已打款'],
+                ] as const
+              ).map(([key, label]) => (
+                <button
+                  key={key}
+                  type="button"
+                  className={`shop-records-chip${statusFilter === key ? ' active' : ''}`}
+                  onClick={() => setStatusFilter(key)}
+                >
+                  {label}
+                </button>
+              ))}
+            </div>
+            <button
+              type="button"
+              className="shop-records-stats-btn"
+              onClick={() => setStatsOpen(true)}
+            >
+              <span className="material-symbols-outlined" style={{ fontSize: 18 }}>
+                bar_chart
+              </span>
+              统计
+            </button>
           </div>
         </nav>
 
@@ -115,7 +159,10 @@ export default function RecordsPage() {
             </div>
           </div>
           <p className="shop-records-summary-note">
-            <span className="material-symbols-outlined shop-fill-icon" style={{ fontSize: 16, color: 'var(--color-success-green)' }}>
+            <span
+              className="material-symbols-outlined shop-fill-icon"
+              style={{ fontSize: 16, color: 'var(--color-success-green)' }}
+            >
               check_circle
             </span>
             结算比例: {summary.rate}% (按{summary.rate / 10}折结算)
@@ -134,17 +181,32 @@ export default function RecordsPage() {
             {filtered.map((r) => {
               const amount = Number(r.amount || 0);
               const settle = Number(r.settleAmount || 0);
-              const paid = Boolean(r.paidAt);
+              const payout = r.payout as { paidAt?: string | null; status?: string } | undefined;
+              const paid = Boolean(payout?.paidAt) || payout?.status === 'PAID' || Boolean(r.paidAt);
+              const paidAt = payout?.paidAt || (typeof r.paidAt === 'string' ? r.paidAt : null);
+              const channel = (r.channel === 'PHONE' ? 'PHONE' : 'SCAN') as RedeemChannel;
               return (
                 <article key={String(r.id)} className="shop-record-card">
                   <div className="shop-record-card-top">
                     <div>
                       <div className="shop-record-order">
-                        <span className="shop-record-time" style={{ margin: 0 }}>订单号</span>
+                        <span className="shop-record-time" style={{ margin: 0 }}>
+                          订单号
+                        </span>
                         <span>{r.redeemNo ? String(r.redeemNo) : '—'}</span>
                       </div>
                       <p className="shop-record-time">
-                        核销时间: {new Date(String(r.createdAt)).toLocaleString('zh-CN', { hour12: false }).slice(0, 16)}
+                        核销时间:{' '}
+                        {new Date(String(r.createdAt))
+                          .toLocaleString('zh-CN', { hour12: false })
+                          .slice(0, 16)}
+                      </p>
+                      <p className="shop-record-channel">
+                        <span
+                          className={`shop-record-channel-tag${channel === 'PHONE' ? ' phone' : ''}`}
+                        >
+                          {channelLabel(channel)}
+                        </span>
                       </p>
                     </div>
                     <span className={`shop-record-badge ${paid ? 'paid' : 'pending'}`}>
@@ -162,10 +224,16 @@ export default function RecordsPage() {
                     </div>
                   </div>
                   <div className="shop-record-footer">
-                    <p>{paid ? `打款时间: ${new Date(String(r.createdAt)).toLocaleDateString('zh-CN')}` : '预计打款: T+1工作日'}</p>
+                    <p>
+                      {paid
+                        ? `打款时间: ${paidAt ? new Date(String(paidAt)).toLocaleDateString('zh-CN') : '—'}`
+                        : '预计打款: T+1工作日'}
+                    </p>
                     {storeName && (
                       <span style={{ display: 'flex', alignItems: 'center', gap: 4 }}>
-                        <span className="material-symbols-outlined" style={{ fontSize: 12 }}>restaurant</span>
+                        <span className="material-symbols-outlined" style={{ fontSize: 12 }}>
+                          restaurant
+                        </span>
                         {storeName}
                       </span>
                     )}
@@ -183,6 +251,80 @@ export default function RecordsPage() {
           </div>
         )}
       </div>
+
+      {statsOpen && (
+        <div className="shop-stats-overlay" role="dialog" aria-modal="true" aria-label="核销方式统计">
+          <button
+            type="button"
+            className="shop-stats-backdrop"
+            aria-label="关闭"
+            onClick={() => setStatsOpen(false)}
+          />
+          <div className="shop-stats-sheet">
+            <div className="shop-stats-sheet-head">
+              <h2>核销方式统计</h2>
+              <button type="button" className="shop-stats-close" onClick={() => setStatsOpen(false)}>
+                <span className="material-symbols-outlined">close</span>
+              </button>
+            </div>
+            <p className="shop-stats-range-hint">
+              统计区间：{range === 'today' ? '今日' : range === '7d' ? '近7日' : '近30日'}（与上方筛选同步）
+            </p>
+            {statsLoading ? (
+              <p className="shop-records-empty">加载中…</p>
+            ) : !stats ? (
+              <p className="shop-records-empty">统计加载失败</p>
+            ) : (
+              <>
+                <div className="shop-stats-total">
+                  <div>
+                    <p className="shop-records-summary-label">合计笔数</p>
+                    <p className="shop-stats-total-value">{stats.totalCount}</p>
+                  </div>
+                  <div>
+                    <p className="shop-records-summary-label">核销总额</p>
+                    <p className="shop-stats-total-value">¥{formatMoney(stats.totalAmount)}</p>
+                  </div>
+                  <div>
+                    <p className="shop-records-summary-label">到账总额</p>
+                    <p className="shop-stats-total-value">¥{formatMoney(stats.totalSettleAmount)}</p>
+                  </div>
+                </div>
+                <div className="shop-stats-channel-list">
+                  {stats.byChannel.map((b) => (
+                    <div key={b.channel} className="shop-stats-channel-card">
+                      <div className="shop-stats-channel-title">
+                        <span
+                          className={`shop-record-channel-tag${b.channel === 'PHONE' ? ' phone' : ''}`}
+                        >
+                          {REDEEM_CHANNEL_LABELS[b.channel]}
+                        </span>
+                        <strong>{b.count} 笔</strong>
+                      </div>
+                      <div className="shop-stats-channel-row">
+                        <span>核销额</span>
+                        <span>¥{formatMoney(b.amount)}</span>
+                      </div>
+                      <div className="shop-stats-channel-row">
+                        <span>到账额</span>
+                        <span>¥{formatMoney(b.settleAmount)}</span>
+                      </div>
+                      <div className="shop-stats-bar">
+                        <div
+                          className={`shop-stats-bar-fill${b.channel === 'PHONE' ? ' phone' : ''}`}
+                          style={{
+                            width: `${stats.totalCount > 0 ? Math.round((b.count / stats.totalCount) * 100) : 0}%`,
+                          }}
+                        />
+                      </div>
+                    </div>
+                  ))}
+                </div>
+              </>
+            )}
+          </div>
+        </div>
+      )}
     </PullToRefresh>
   );
 }

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

@@ -0,0 +1,234 @@
+import { useCallback, useEffect, useMemo, useState } from 'react';
+import { useNavigate } from 'react-router-dom';
+import {
+  STORE_WITHDRAW_STATUS_LABELS,
+  type StoreWithdrawRequestDto,
+  type StoreWithdrawStatus,
+  type StoreWithdrawSummaryDto,
+} from '@dukang/shared-types';
+import PullToRefresh from '@dukang/shared-ui/PullToRefresh';
+import { request } from '../lib/api';
+
+type StatusFilter = 'all' | StoreWithdrawStatus;
+
+function formatMoney(n: number) {
+  return n.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+}
+
+export default function WithdrawPage() {
+  const navigate = useNavigate();
+  const [summary, setSummary] = useState<StoreWithdrawSummaryDto | null>(null);
+  const [items, setItems] = useState<StoreWithdrawRequestDto[]>([]);
+  const [statusFilter, setStatusFilter] = useState<StatusFilter>('all');
+  const [submitting, setSubmitting] = useState(false);
+  const [msg, setMsg] = useState('');
+
+  const load = useCallback(async () => {
+    try {
+      const [summaryRes, listRes] = await Promise.all([
+        request<StoreWithdrawSummaryDto>('SHOP_H5', '/shop/withdraw/summary'),
+        request<{ items: StoreWithdrawRequestDto[] }>('SHOP_H5', '/shop/withdraw/requests?pageSize=50'),
+      ]);
+      setSummary(summaryRes);
+      setItems(listRes.items || []);
+    } catch (e) {
+      setMsg(e instanceof Error ? e.message : '加载失败');
+    }
+  }, []);
+
+  useEffect(() => {
+    void load();
+  }, [load]);
+
+  const filtered = useMemo(() => {
+    if (statusFilter === 'all') return items;
+    return items.filter((r) => r.status === statusFilter);
+  }, [items, statusFilter]);
+
+  async function applyWithdraw() {
+    if (!summary || submitting) return;
+    if (!summary.isPrimary) {
+      setMsg('仅主账号可申请提现');
+      return;
+    }
+    if (!(summary.availableAmount > 0)) {
+      setMsg('暂无可提未出账余额');
+      return;
+    }
+    const ok = window.confirm(
+      `确认申请提现 ¥${formatMoney(summary.availableAmount)}？\n审核通过后将打款至入驻收款账户。`,
+    );
+    if (!ok) return;
+    setSubmitting(true);
+    setMsg('');
+    try {
+      await request('SHOP_H5', '/shop/withdraw', {
+        method: 'POST',
+        body: JSON.stringify({}),
+      });
+      setMsg('提现申请已提交，请等待总部审核');
+      await load();
+    } catch (e) {
+      setMsg(e instanceof Error ? e.message : '提现申请失败');
+    } finally {
+      setSubmitting(false);
+    }
+  }
+
+  const canApply =
+    !!summary?.isPrimary &&
+    summary.availableAmount > 0 &&
+    !summary.hasPendingRequest &&
+    summary.hasBankAccount &&
+    !submitting;
+
+  return (
+    <PullToRefresh onRefresh={load} className="shop-records-page shop-withdraw-page">
+      <header className="shop-records-header" style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+        <button
+          type="button"
+          className="shop-withdraw-back"
+          onClick={() => navigate(-1)}
+          aria-label="返回"
+        >
+          <span className="material-symbols-outlined" style={{ fontSize: 22 }}>
+            arrow_back
+          </span>
+        </button>
+        <h1 className="app-page-title" style={{ margin: 0 }}>
+          结算提现
+        </h1>
+      </header>
+
+      <div className="shop-records-main">
+        <section className="shop-records-summary">
+          <div className="shop-records-summary-grid">
+            <div>
+              <p className="shop-records-summary-label">可提未出账余额</p>
+              <p className="shop-records-summary-value">
+                ¥ {formatMoney(summary?.availableAmount ?? 0)}
+              </p>
+            </div>
+            <div>
+              <p className="shop-records-summary-label">今日剩余额度</p>
+              <p className="shop-records-summary-value">
+                ¥ {formatMoney(summary?.remainingDailyLimit ?? 0)}
+              </p>
+            </div>
+          </div>
+          <p className="shop-records-summary-note">
+            <span
+              className="material-symbols-outlined shop-fill-icon"
+              style={{ fontSize: 16, color: 'var(--color-success-green)' }}
+            >
+              info
+            </span>
+            单日上限 ¥{formatMoney(summary?.dailyLimit ?? 5000)}
+            {summary?.hasPendingRequest ? ' · 已有待审核申请' : ''}
+            {!summary?.hasBankAccount ? ' · 请先完善收款账户' : ''}
+          </p>
+        </section>
+
+        {summary && !summary.isPrimary ? (
+          <p className="shop-records-empty">仅主账号可申请提现，店员可查看记录</p>
+        ) : (
+          <button
+            type="button"
+            className="shop-withdraw-btn"
+            disabled={!canApply}
+            onClick={() => void applyWithdraw()}
+          >
+            {submitting ? '提交中…' : '申请提现'}
+          </button>
+        )}
+
+        {msg ? <p className="shop-withdraw-msg">{msg}</p> : null}
+
+        <nav className="shop-records-filters" style={{ marginTop: 16 }}>
+          <div className="shop-records-status-chips">
+            {(
+              [
+                ['all', '全部'],
+                ['PENDING_REVIEW', '待审核'],
+                ['PAID', '已结算'],
+                ['REJECTED', '已驳回'],
+              ] as const
+            ).map(([key, label]) => (
+              <button
+                key={key}
+                type="button"
+                className={`shop-records-chip${statusFilter === key ? ' active' : ''}`}
+                onClick={() => setStatusFilter(key)}
+              >
+                {label}
+              </button>
+            ))}
+          </div>
+        </nav>
+
+        <div className="shop-records-list-head">
+          <h3 className="shop-records-list-title">提现记录</h3>
+          <span className="shop-records-list-count">共 {filtered.length} 笔</span>
+        </div>
+
+        {filtered.length === 0 ? (
+          <p className="shop-records-empty">暂无提现记录</p>
+        ) : (
+          <div className="shop-records-list">
+            {filtered.map((r) => {
+              const status = r.status as StoreWithdrawStatus;
+              const badgeClass =
+                status === 'PAID' ? 'paid' : status === 'REJECTED' ? 'rejected' : 'pending';
+              return (
+                <article key={r.id} className="shop-record-card">
+                  <div className="shop-record-card-top">
+                    <div>
+                      <div className="shop-record-order">
+                        <span className="shop-record-time" style={{ margin: 0 }}>
+                          单号
+                        </span>
+                        <span>{r.withdrawNo}</span>
+                      </div>
+                      <p className="shop-record-time">
+                        申请时间:{' '}
+                        {new Date(r.appliedAt)
+                          .toLocaleString('zh-CN', { hour12: false })
+                          .slice(0, 16)}
+                      </p>
+                    </div>
+                    <span className={`shop-record-badge ${badgeClass}`}>
+                      {STORE_WITHDRAW_STATUS_LABELS[status] ?? status}
+                    </span>
+                  </div>
+                  <div className="shop-record-amounts">
+                    <div>
+                      <p className="shop-record-amount-label">提现金额</p>
+                      <p className="shop-record-amount-value red">¥{formatMoney(Number(r.amount))}</p>
+                    </div>
+                    <div>
+                      <p className="shop-record-amount-label">明细笔数</p>
+                      <p className="shop-record-amount-value">{r.payoutCount} 笔</p>
+                    </div>
+                  </div>
+                  {status === 'REJECTED' && r.rejectReason ? (
+                    <div className="shop-record-footer">
+                      <p>驳回原因: {r.rejectReason}</p>
+                    </div>
+                  ) : null}
+                  {status === 'PAID' && r.paidAt ? (
+                    <div className="shop-record-footer">
+                      <p>
+                        结算时间:{' '}
+                        {new Date(r.paidAt).toLocaleString('zh-CN', { hour12: false }).slice(0, 16)}
+                      </p>
+                    </div>
+                  ) : null}
+                </article>
+              );
+            })}
+          </div>
+        )}
+      </div>
+    </PullToRefresh>
+  );
+}

apps/h5-shop/src/styles.css

@@ -587,6 +587,12 @@
   line-height: 1.1;
 }
 
+.shop-home-stat-sub {
+  margin-top: 6px;
+  font-size: 11px;
+  color: rgba(255, 255, 255, 0.75);
+}
+
 .shop-home-scan {
   display: flex;
   flex-direction: column;
@@ -1549,18 +1555,42 @@
   border-radius: 2px;
 }
 
+.shop-records-status-row {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  padding: 8px 16px;
+}
+
 .shop-records-status-chips {
   display: flex;
   gap: 8px;
-  padding: 8px 16px;
+  padding: 0;
   overflow-x: auto;
   scrollbar-width: none;
+  flex: 1;
+  min-width: 0;
 }
 
 .shop-records-status-chips::-webkit-scrollbar {
   display: none;
 }
 
+.shop-records-stats-btn {
+  flex-shrink: 0;
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  border: 1px solid var(--color-primary);
+  background: transparent;
+  color: var(--color-primary);
+  border-radius: var(--radius-full);
+  padding: 4px 12px;
+  font-size: 12px;
+  font-weight: 600;
+  cursor: pointer;
+}
+
 .shop-records-chip {
   flex-shrink: 0;
   border: none;
@@ -1578,6 +1608,142 @@
   color: var(--color-on-primary);
 }
 
+.shop-record-channel {
+  margin: 6px 0 0;
+}
+
+.shop-record-channel-tag {
+  display: inline-flex;
+  align-items: center;
+  font-size: 11px;
+  line-height: 1;
+  padding: 4px 8px;
+  border-radius: var(--radius-full);
+  background: rgba(59, 130, 246, 0.12);
+  color: #1d4ed8;
+}
+
+.shop-record-channel-tag.phone {
+  background: rgba(168, 85, 247, 0.12);
+  color: #7e22ce;
+}
+
+.shop-stats-overlay {
+  position: fixed;
+  inset: 0;
+  z-index: 80;
+  display: flex;
+  align-items: flex-end;
+  justify-content: center;
+}
+
+.shop-stats-backdrop {
+  position: absolute;
+  inset: 0;
+  border: none;
+  background: rgba(0, 0, 0, 0.45);
+}
+
+.shop-stats-sheet {
+  position: relative;
+  width: 100%;
+  max-width: 480px;
+  max-height: 78vh;
+  overflow: auto;
+  background: var(--color-surface);
+  border-radius: 16px 16px 0 0;
+  padding: 16px 16px calc(16px + env(safe-area-inset-bottom, 0px));
+  box-shadow: 0 -8px 24px rgba(0, 0, 0, 0.12);
+}
+
+.shop-stats-sheet-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  margin-bottom: 4px;
+}
+
+.shop-stats-sheet-head h2 {
+  margin: 0;
+  font-size: 17px;
+  font-weight: 700;
+}
+
+.shop-stats-close {
+  border: none;
+  background: transparent;
+  padding: 4px;
+  color: inherit;
+  cursor: pointer;
+}
+
+.shop-stats-range-hint {
+  margin: 0 0 12px;
+  font-size: 12px;
+  color: var(--color-on-surface-variant);
+}
+
+.shop-stats-total {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 8px;
+  margin-bottom: 14px;
+  padding: 12px;
+  border-radius: 12px;
+  background: var(--color-surface-container-low, #f5f5f4);
+}
+
+.shop-stats-total-value {
+  margin: 4px 0 0;
+  font-size: 15px;
+  font-weight: 700;
+}
+
+.shop-stats-channel-list {
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+
+.shop-stats-channel-card {
+  border: 1px solid var(--color-surface-container-highest);
+  border-radius: 12px;
+  padding: 12px;
+}
+
+.shop-stats-channel-title {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  margin-bottom: 8px;
+}
+
+.shop-stats-channel-row {
+  display: flex;
+  justify-content: space-between;
+  font-size: 13px;
+  color: var(--color-on-surface-variant);
+  margin-bottom: 4px;
+}
+
+.shop-stats-bar {
+  margin-top: 8px;
+  height: 6px;
+  border-radius: 999px;
+  background: var(--color-surface-container-highest);
+  overflow: hidden;
+}
+
+.shop-stats-bar-fill {
+  height: 100%;
+  background: #3b82f6;
+  border-radius: 999px;
+}
+
+.shop-stats-bar-fill.phone {
+  background: #a855f7;
+}
+
 .shop-records-main {
   padding-top: 0;
 }
@@ -1714,6 +1880,46 @@
   color: var(--color-aged-amber);
 }
 
+.shop-record-badge.rejected {
+  background: rgba(180, 35, 24, 0.1);
+  color: var(--color-error-red, #b42318);
+}
+
+.shop-withdraw-back {
+  border: none;
+  background: transparent;
+  padding: 4px;
+  display: inline-flex;
+  align-items: center;
+  color: inherit;
+  cursor: pointer;
+}
+
+.shop-withdraw-btn {
+  width: 100%;
+  margin-top: 12px;
+  height: 44px;
+  border: none;
+  border-radius: 12px;
+  background: var(--color-primary, #8b1a1a);
+  color: #fff;
+  font-size: 16px;
+  font-weight: 600;
+  cursor: pointer;
+}
+
+.shop-withdraw-btn:disabled {
+  opacity: 0.45;
+  cursor: not-allowed;
+}
+
+.shop-withdraw-msg {
+  margin-top: 10px;
+  font-size: 13px;
+  color: var(--color-aged-amber);
+  text-align: center;
+}
+
 .shop-record-amounts {
   display: grid;
   grid-template-columns: 1fr 1fr;

apps/mini-user/src/app.tsx

@@ -1,3 +1,4 @@
+import './lib/intl-polyfill';
 import './lib/text-encoding-polyfill';
 import { PropsWithChildren, useRef } from 'react';
 import Taro, { useDidShow } from '@tarojs/taro';

apps/mini-user/src/components/StoreRedeemMarquee.tsx

@@ -0,0 +1,215 @@
+import { useEffect, useMemo, useRef, useState, type CSSProperties } from 'react';
+import { View, Text } from '@tarojs/components';
+import Taro from '@tarojs/taro';
+
+type StoreRedeemMarqueeProps = {
+  lines: string[];
+};
+
+const FLY_SPEED = 56;
+const MIN_FLY_MS = 2400;
+const PAUSE_MIN_MS = 1000;
+const PAUSE_MAX_MS = 5000;
+const TICK_MS = 16;
+/** 全文滚出视口后，再向左多走 10px */
+const EXTRA_AFTER_EXIT_PX = 10;
+
+function estimateTextWidth(text: string): number {
+  let w = 0;
+  for (const ch of text) {
+    w += /[^\x00-\xff]/.test(ch) ? 12 : 7;
+  }
+  return Math.max(Math.ceil(w), 80);
+}
+
+function randomPauseMs() {
+  return PAUSE_MIN_MS + Math.floor(Math.random() * (PAUSE_MAX_MS - PAUSE_MIN_MS + 1));
+}
+
+/** 容器宽兜底（不依赖 DOM 测量，小程序首帧即可用） */
+function getBoxWidthFallback(): number {
+  try {
+    const sys = Taro.getSystemInfoSync();
+    const screenW = Number(sys.windowWidth || sys.screenWidth || 375);
+    // 与 section 同宽：左右 var(--space-page)
+    return Math.max(220, Math.floor(screenW - 32));
+  } catch {
+    return 300;
+  }
+}
+
+function measureBoxWidth(selector: string, fallback: number): Promise<number> {
+  return new Promise((resolve) => {
+    Taro.nextTick(() => {
+      try {
+        const page = Taro.getCurrentInstance().page;
+        const query = page ? Taro.createSelectorQuery().in(page) : Taro.createSelectorQuery();
+        query
+          .select(selector)
+          .boundingClientRect()
+          .exec((res) => {
+            const w = Number(res?.[0]?.width || 0);
+            resolve(w > 8 ? Math.ceil(w) : fallback);
+          });
+      } catch {
+        resolve(fallback);
+      }
+    });
+  });
+}
+
+function measureTextWidth(selector: string, text: string): Promise<number> {
+  const fallback = estimateTextWidth(text);
+  return new Promise((resolve) => {
+    Taro.nextTick(() => {
+      try {
+        const page = Taro.getCurrentInstance().page;
+        const query = page ? Taro.createSelectorQuery().in(page) : Taro.createSelectorQuery();
+        query
+          .select(selector)
+          .boundingClientRect()
+          .exec((res) => {
+            const w = Number(res?.[0]?.width || 0);
+            if (w > 8 && w < fallback * 3) resolve(Math.ceil(w));
+            else resolve(fallback);
+          });
+      } catch {
+        resolve(fallback);
+      }
+    });
+  });
+}
+
+/**
+ * 核销走马灯：单条从右向左位移飞出，间隔 1～5 秒随机再播下一条。
+ *
+ * 小程序注意：
+ * - 不用 useReady（子组件内不触发 → opacity 永远 0）
+ * - 不用 Text + transform（支持差），改用 View + left
+ * - 字宽用估算，避免屏外元素测宽失败
+ */
+export default function StoreRedeemMarquee({ lines }: StoreRedeemMarqueeProps) {
+  const items = useMemo(
+    () =>
+      lines
+        .map((s) => String(s || '').trim())
+        .filter(Boolean),
+    [lines],
+  );
+
+  const rootIdRef = useRef(`smr${Math.random().toString(36).slice(2, 10)}`);
+  const textIdRef = useRef(`smt${Math.random().toString(36).slice(2, 10)}`);
+  const indexRef = useRef(0);
+  const boxWidthRef = useRef(getBoxWidthFallback());
+  const itemsKey = items.join('\n');
+
+  const [displayIndex, setDisplayIndex] = useState(0);
+  const [leftPx, setLeftPx] = useState(() => boxWidthRef.current);
+
+  useEffect(() => {
+    if (!items.length) return;
+
+    let cancelled = false;
+    const waiters = new Set<ReturnType<typeof setTimeout>>();
+    let tickTimer: ReturnType<typeof setInterval> | undefined;
+
+    const sleep = (ms: number) =>
+      new Promise<void>((resolve) => {
+        const id = setTimeout(() => {
+          waiters.delete(id);
+          resolve();
+        }, ms);
+        waiters.add(id);
+      });
+
+    const clearTick = () => {
+      if (tickTimer) {
+        clearInterval(tickTimer);
+        tickTimer = undefined;
+      }
+    };
+
+    const fly = (from: number, to: number, durationMs: number) =>
+      new Promise<void>((resolve) => {
+        const began = Date.now();
+        setLeftPx(from);
+        clearTick();
+        tickTimer = setInterval(() => {
+          if (cancelled) {
+            clearTick();
+            resolve();
+            return;
+          }
+          const t = Math.min(1, (Date.now() - began) / durationMs);
+          setLeftPx(from + (to - from) * t);
+          if (t >= 1) {
+            clearTick();
+            resolve();
+          }
+        }, TICK_MS);
+      });
+
+    const loop = async () => {
+      indexRef.current = 0;
+      setDisplayIndex(0);
+
+      const measured = await measureBoxWidth(`#${rootIdRef.current}`, boxWidthRef.current);
+      boxWidthRef.current = measured;
+      if (cancelled) return;
+
+      while (!cancelled && items.length) {
+        const idx = indexRef.current % items.length;
+        const text = items[idx];
+        const box = boxWidthRef.current;
+
+        setDisplayIndex(idx);
+
+        const from = box;
+        setLeftPx(from);
+        await sleep(48);
+        if (cancelled) break;
+
+        const textW = await measureTextWidth(`#${textIdRef.current}`, text);
+        // 全文 left 边缘移出容器左边界后再走 10px
+        const to = -(textW + EXTRA_AFTER_EXIT_PX);
+        const distance = from - to;
+        const durationMs = Math.max(MIN_FLY_MS, Math.round((distance / FLY_SPEED) * 1000));
+
+        await sleep(32);
+        if (cancelled) break;
+
+        await fly(from, to, durationMs);
+        if (cancelled) break;
+
+        await sleep(randomPauseMs());
+        if (cancelled) break;
+
+        indexRef.current = (idx + 1) % items.length;
+      }
+    };
+
+    void loop();
+
+    return () => {
+      cancelled = true;
+      clearTick();
+      waiters.forEach(clearTimeout);
+      waiters.clear();
+    };
+  }, [itemsKey, items]);
+
+  if (!items.length) return null;
+
+  const current = items[displayIndex] || items[0];
+  const innerStyle: CSSProperties = { left: `${leftPx}px` };
+
+  return (
+    <View id={rootIdRef.current} className="store-detail-marquee">
+      <View className="store-detail-marquee-inner" style={innerStyle}>
+        <Text id={textIdRef.current} className="store-detail-marquee-text">
+          {current}
+        </Text>
+      </View>
+    </View>
+  );
+}

apps/mini-user/src/lib/api.ts

@@ -2,6 +2,7 @@ import Taro from '@tarojs/taro';
 import { ClientApp } from '@dukang/shared-types';
 import { forceReloadAfterAccountMerge } from './auth-nav';
 import { resetStoresSessionBootstrap } from './stores-session';
+import { resetHomeCatalogBootstrap } from './home-catalog-session';
 
 function resolveApiBase(): string {
   const origin =
@@ -57,8 +58,9 @@ export function isLoggedIn(): boolean {
 
 export function logout() {
   clearAuth();
-  // 主动退出才重置门店「当次登录」会话；401 清 token 不要打断门店筛选
+  // 主动退出才重置门店/首页「当次登录」会话；401 清 token 不要打断筛选
   resetStoresSessionBootstrap();
+  resetHomeCatalogBootstrap();
   Taro.reLaunch({ url: '/pages/home/index' });
 }
 

apps/mini-user/src/lib/datetime.ts

@@ -0,0 +1,16 @@
+/** 格式化为 Asia/Shanghai：2026-08-03 15:14:30（不依赖 Intl，兼容微信小程序） */
+export function formatShanghaiDateTime(input?: string | Date | null): string {
+  if (input == null || input === '') return '—';
+  if (typeof input === 'string') {
+    const s = input.trim();
+    if (/^\d{4}-\d{2}-\d{2}[ T]\d{2}:\d{2}/.test(s)) {
+      return s.slice(0, 19).replace('T', ' ');
+    }
+  }
+  const d = input instanceof Date ? input : new Date(input);
+  if (Number.isNaN(d.getTime())) return '—';
+  // 用 UTC 读数 + 固定东八区偏移，避免依赖 Intl / 设备时区 API 差异
+  const sh = new Date(d.getTime() + 8 * 60 * 60 * 1000);
+  const p = (n: number) => String(n).padStart(2, '0');
+  return `${sh.getUTCFullYear()}-${p(sh.getUTCMonth() + 1)}-${p(sh.getUTCDate())} ${p(sh.getUTCHours())}:${p(sh.getUTCMinutes())}:${p(sh.getUTCSeconds())}`;
+}

apps/mini-user/src/lib/home-catalog-session.ts

@@ -0,0 +1,75 @@
+/**
+ * 首页商品列表「当次登录」会话 —— 切 tab 不重复拉商品；
+ * 城市 / 登录态变化或下拉刷新时再请求。logout 时 clear。
+ */
+
+import Taro from '@tarojs/taro';
+
+export type HomeCatalogCache = {
+  cityCode: string;
+  authKey: string;
+  products: unknown[];
+};
+
+type HomeSession = {
+  bootstrapped: boolean;
+  cache: HomeCatalogCache | null;
+};
+
+const STORAGE_KEY = 'dukang_home_catalog_session_v1';
+
+let memory: HomeSession | null = null;
+
+function emptySession(): HomeSession {
+  return { bootstrapped: false, cache: null };
+}
+
+function readSession(): HomeSession {
+  if (memory) return memory;
+  try {
+    const raw = Taro.getStorageSync(STORAGE_KEY);
+    if (!raw) {
+      memory = emptySession();
+      return memory;
+    }
+    const parsed = (typeof raw === 'string' ? JSON.parse(raw) : raw) as Partial<HomeSession>;
+    memory = {
+      bootstrapped: !!parsed.bootstrapped,
+      cache: (parsed.cache as HomeCatalogCache | null) ?? null,
+    };
+    return memory;
+  } catch {
+    memory = emptySession();
+    return memory;
+  }
+}
+
+function writeSession(next: HomeSession) {
+  memory = next;
+  try {
+    Taro.setStorageSync(STORAGE_KEY, JSON.stringify(next));
+  } catch {
+    /* ignore quota */
+  }
+}
+
+export function isHomeCatalogBootstrapped(): boolean {
+  return readSession().bootstrapped;
+}
+
+export function getHomeCatalogCache(): HomeCatalogCache | null {
+  return readSession().cache;
+}
+
+export function setHomeCatalogCache(cache: HomeCatalogCache): void {
+  writeSession({ bootstrapped: true, cache });
+}
+
+export function resetHomeCatalogBootstrap(): void {
+  memory = emptySession();
+  try {
+    Taro.removeStorageSync(STORAGE_KEY);
+  } catch {
+    /* ignore */
+  }
+}

apps/mini-user/src/lib/intl-polyfill.ts

@@ -0,0 +1,72 @@
+/**
+ * 微信小程序基础库无 Intl。业务代码已避免依赖，此处仅作兜底，
+ * 防止旧包 / 依赖偶发 `new Intl.DateTimeFormat` 直接白屏。
+ */
+function pad(n: number) {
+  return String(n).padStart(2, '0');
+}
+
+function shanghaiParts(date: Date) {
+  const sh = new Date(date.getTime() + 8 * 60 * 60 * 1000);
+  return {
+    year: String(sh.getUTCFullYear()),
+    month: pad(sh.getUTCMonth() + 1),
+    day: pad(sh.getUTCDate()),
+    hour: pad(sh.getUTCHours()),
+    minute: pad(sh.getUTCMinutes()),
+    second: pad(sh.getUTCSeconds()),
+  };
+}
+
+function installIntlStub() {
+  const root = (typeof globalThis !== 'undefined'
+    ? globalThis
+    : typeof global !== 'undefined'
+      ? global
+      : typeof wx !== 'undefined'
+        ? wx
+        : {}) as typeof globalThis & { Intl?: typeof Intl };
+
+  if (typeof root.Intl !== 'undefined' && typeof root.Intl.DateTimeFormat === 'function') {
+    return;
+  }
+
+  class MiniDateTimeFormat {
+    // eslint-disable-next-line @typescript-eslint/no-unused-vars
+    constructor(_locales?: string | string[], _options?: Record<string, unknown>) {}
+
+    format(date?: Date | number) {
+      const d = date instanceof Date ? date : new Date(date ?? Date.now());
+      if (Number.isNaN(d.getTime())) return '';
+      const p = shanghaiParts(d);
+      return `${p.year}-${p.month}-${p.day} ${p.hour}:${p.minute}:${p.second}`;
+    }
+
+    formatToParts(date?: Date | number) {
+      const d = date instanceof Date ? date : new Date(date ?? Date.now());
+      if (Number.isNaN(d.getTime())) return [];
+      const p = shanghaiParts(d);
+      return [
+        { type: 'year', value: p.year },
+        { type: 'literal', value: '-' },
+        { type: 'month', value: p.month },
+        { type: 'literal', value: '-' },
+        { type: 'day', value: p.day },
+        { type: 'literal', value: ' ' },
+        { type: 'hour', value: p.hour },
+        { type: 'literal', value: ':' },
+        { type: 'minute', value: p.minute },
+        { type: 'literal', value: ':' },
+        { type: 'second', value: p.second },
+      ];
+    }
+  }
+
+  root.Intl = {
+    DateTimeFormat: MiniDateTimeFormat,
+  } as unknown as typeof Intl;
+}
+
+installIntlStub();
+
+export {};

apps/mini-user/src/lib/money.ts

@@ -0,0 +1,9 @@
+/** 金额展示（不依赖 Intl / toLocaleString，兼容微信小程序） */
+export function formatMoney(amount: number | string): string {
+  const n = typeof amount === 'number' ? amount : Number(amount);
+  if (!Number.isFinite(n)) return '0.00';
+  const fixed = n.toFixed(2);
+  const [intPart, dec] = fixed.split('.');
+  const withComma = intPart.replace(/\B(?=(\d{3})+(?!\d))/g, ',');
+  return `${withComma}.${dec}`;
+}

apps/mini-user/src/lib/nav-bar.ts

@@ -106,6 +106,8 @@ export function tabNavContentStyle(metrics: NavBarMetrics): Record<string, strin
 /** 子页/内页顶栏：标题全屏居中，内容区单独留白 */
 export function subPageNavBarStyle(metrics: NavBarMetrics): Record<string, string | number> {
   const pagePad = 20;
+  // 标题两侧取「右侧避让胶囊」宽度，保证相对屏幕视觉居中
+  const titlePad = Math.max(metrics.navBarPaddingRight, 72);
   return {
     paddingTop: `${metrics.statusBarHeight}px`,
     height: `${metrics.navBarHeight}px`,
@@ -113,7 +115,7 @@ export function subPageNavBarStyle(metrics: NavBarMetrics): Record<string, strin
     '--nav-content-height': `${metrics.navContentHeight}px`,
     '--nav-status-bar-height': `${metrics.statusBarHeight}px`,
     '--nav-padding-left': `${pagePad}px`,
-    '--nav-padding-right': `${metrics.navBarPaddingRight}px`,
+    '--nav-padding-right': `${titlePad}px`,
   };
 }
 

apps/mini-user/src/lib/stores-session.ts

@@ -22,6 +22,8 @@ export type StoresSessionCategory = {
 export type StoresListCache = {
   cityKey: string;
   cityCode: string;
+  /** 登录态指纹：token 变化时需重新拉取（白名单） */
+  authKey: string;
   listRegion: StoresSessionRegion;
   items: unknown[];
   filterRegion: StoresSessionRegion;

apps/mini-user/src/pages/benefit/index.tsx

@@ -12,6 +12,7 @@ import {
   DEFAULT_SHARE_TITLE,
   toWeappShareMessage,
 } from '../../lib/wechat-share';
+import { formatMoney } from '../../lib/money';
 import iconBenefit from '../../assets/tabbar/benefit-active.png';
 
 type BenefitSummary = {
@@ -38,10 +39,6 @@ type RedeemHistoryItem = {
   createdAt: string;
 };
 
-function formatMoney(amount: number) {
-  return amount.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
-}
-
 function usagePercent(coupon: CouponItem) {
   const total = Number(coupon.totalAmount);
   if (total <= 0) return 0;

apps/mini-user/src/pages/home/index.tsx

@@ -1,4 +1,4 @@
-import { useCallback, useEffect, useMemo, useRef, useState } from 'react';
+import { useCallback, useMemo, useRef, useState } from 'react';
 import { View, Text, Image, Swiper, SwiperItem } from '@tarojs/components';
 import Taro, {
   useDidShow,
@@ -13,7 +13,12 @@ import CouponBadge from '../../components/CouponBadge';
 import WechatShareReady from '../../components/WechatShareReady';
 import UserTabBar, { shouldRenderPageTabBar, syncTabBarSelected } from '../../components/UserTabBar';
 import { goLogin } from '../../lib/auth-nav';
-import { isLoggedIn, request, toast } from '../../lib/api';
+import { getToken, isLoggedIn, request, toast } from '../../lib/api';
+import {
+  getHomeCatalogCache,
+  isHomeCatalogBootstrapped,
+  setHomeCatalogCache,
+} from '../../lib/home-catalog-session';
 import { ensurePayReady } from '../../lib/pay-ready';
 import { capturePromoSceneAndTouchScan } from '../../lib/promo';
 import { getProductMainImage } from '../../lib/product-images';
@@ -29,7 +34,6 @@ import {
   DEFAULT_SHARE_TITLE,
   toWeappShareMessage,
 } from '../../lib/wechat-share';
-
 type Product = {
   id: string;
   name: string;
@@ -110,35 +114,60 @@ export default function HomePage() {
       });
   }, []);
 
-  const loadProducts = useCallback(() => {
-    setLoading(true);
-    return request<Product[]>(`/catalog/products?cityCode=${encodeURIComponent(cityCode)}`)
-      .then((list) =>
-        setProducts(Array.isArray(list) ? list.map((p) => normalizeFulfillmentFlags(p)) : []),
-      )
-      .catch((e) => toast(e instanceof Error ? e.message : '加载失败'))
-      .finally(() => setLoading(false));
-  }, [cityCode]);
+  const applyProductList = useCallback((list: Product[], nextCode: string, authKey: string) => {
+    const normalized = Array.isArray(list) ? list.map((p) => normalizeFulfillmentFlags(p)) : [];
+    setProducts(normalized);
+    setHomeCatalogCache({ cityCode: nextCode, authKey, products: normalized });
+  }, []);
 
+  const fetchProducts = useCallback(
+    (nextCode: string, authKey: string) => {
+      setLoading(true);
+      return request<Product[]>(`/catalog/products?cityCode=${encodeURIComponent(nextCode)}`)
+        .then((list) => applyProductList(list, nextCode, authKey))
+        .catch((e) => toast(e instanceof Error ? e.message : '加载失败'))
+        .finally(() => setLoading(false));
+    },
+    [applyProductList],
+  );
+
+  /**
+   * 首次进入 / 城市或登录态变化：拉商品。
+   * 同次再切 tab：只同步选中态，不重复请求（对齐门店页）。
+   */
   useDidShow(() => {
     syncTabBarSelected(0);
     void capturePromoSceneAndTouchScan();
     void loadMiniHome();
-    // 白名单商品按登录手机号过滤；登录后 switchTab 回首页不会卸载页面，须重新拉列表
-    void loadProducts();
-    void resolveUserCity().then((resolved) => {
-      setDisplayCity(resolved.displayCity);
-      setCityCode(getCityCodeForCatalog(resolved));
-    });
-  });
 
-  useEffect(() => {
-    void loadProducts();
-  }, [loadProducts]);
+    const authKey = getToken() || '';
+    void (async () => {
+      const resolved = await resolveUserCity();
+      const nextCode = getCityCodeForCatalog(resolved);
+      setDisplayCity(resolved.displayCity);
+      setCityCode(nextCode);
+
+      const cache = getHomeCatalogCache();
+      if (
+        isHomeCatalogBootstrapped() &&
+        cache &&
+        cache.cityCode === nextCode &&
+        cache.authKey === authKey &&
+        Array.isArray(cache.products)
+      ) {
+        setProducts(cache.products as Product[]);
+        setLoading(false);
+        return;
+      }
+
+      await fetchProducts(nextCode, authKey);
+    })();
+  });
 
   usePullDownRefresh(() => {
     void (async () => {
       try {
+        const authKey = getToken() || '';
         const resolved = await resolveUserCity();
         setDisplayCity(resolved.displayCity);
         const nextCode = getCityCodeForCatalog(resolved);
@@ -148,7 +177,11 @@ export default function HomePage() {
           request<Product[]>(`/catalog/products?cityCode=${encodeURIComponent(nextCode)}`),
           loadMiniHome(),
         ]);
-        setProducts(Array.isArray(list) ? list.map((p) => normalizeFulfillmentFlags(p)) : []);
+        applyProductList(
+          Array.isArray(list) ? list : [],
+          nextCode,
+          authKey,
+        );
       } catch (e) {
         toast(e instanceof Error ? e.message : '加载失败');
       } finally {
@@ -157,7 +190,6 @@ export default function HomePage() {
       }
     })();
   });
-
   function openProductDetail(id: string) {
     Taro.navigateTo({ url: `/pages/product-detail/index?id=${id}` });
   }

apps/mini-user/src/pages/mine/index.tsx

@@ -37,6 +37,7 @@ import iconStores from '../../assets/icons/可用门店.png';
 import iconCs from '../../assets/icons/联系客服.png';
 import iconQualification from '../../assets/icons/资质公示.png';
 import iconAbout from '../../assets/icons/关于我们.png';
+import { formatMoney } from '../../lib/money';
 
 const ORDER_SHORTCUTS = [
   { tab: 'pending_pay', icon: iconPendingPay, label: '待付款' },
@@ -54,10 +55,6 @@ const SERVICES = [
 
 const isWeapp = process.env.TARO_ENV === 'weapp';
 
-function formatMoney(amount: number) {
-  return amount.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
-}
-
 export default function MinePage() {
   const [authed, setAuthed] = useState(() => isLoggedIn());
   const [profile, setProfile] = useState<UserProfile | null>(null);

apps/mini-user/src/pages/order-confirm-pickup/index.tsx

@@ -75,11 +75,12 @@ export default function OrderConfirmPickupPage() {
   const canSubmit = !!preview && quantityOk && !loading && !previewLoading;
 
   function updateQuantity(next: number) {
-    if (next < 1) return;
     if (next < minQty) {
       const tip = `现场提货至少购买 ${minQty} 瓶`;
       toast(tip);
       setMsg(tip);
+      if (next < 1) return;
+      setQuantity(next);
       return;
     }
     setQuantity(next);
@@ -101,8 +102,12 @@ export default function OrderConfirmPickupPage() {
 
   async function submit() {
     if (!canSubmit) {
-      if (!quantityOk) setMsg(`现场提货至少购买 ${minQty} 瓶`);
-      return;
+      if (!quantityOk) {
+        const tip = `现场提货至少购买 ${minQty} 瓶`;
+        setMsg(tip);
+        toast(tip);
+        return;
+      }
     }
 
     const returnPath = `/pages/order-confirm-pickup/index?productId=${productId}&qty=${quantity}`;
@@ -191,8 +196,8 @@ export default function OrderConfirmPickupPage() {
                 <Text>购买数量</Text>
                 <View className="order-qty-controls">
                   <View
-                    className={`order-qty-btn${quantity <= minQty ? ' order-qty-btn--disabled' : ''}`}
-                    onClick={() => updateQuantity(Math.max(minQty, quantity - 1))}
+                    className="order-qty-btn"
+                    onClick={() => updateQuantity(quantity - 1)}
                   >
                     <Text>−</Text>
                   </View>

apps/mini-user/src/pages/order-confirm/index.tsx

@@ -167,14 +167,14 @@ export default function OrderConfirmPage() {
     : '';
 
   function updateQuantity(next: number) {
-    if (next < 1) return;
     if (next < minQty) {
       const tip = isCross
         ? `跨城配送至少购买 ${minQty} 瓶（1箱）`
         : `同城配送至少购买 ${minQty} 瓶`;
       toast(tip);
       setMsg(tip);
-      setQuantity(Math.max(1, next));
+      if (next < 1) return;
+      setQuantity(next);
       return;
     }
     setQuantity(next);
@@ -352,7 +352,7 @@ export default function OrderConfirmPage() {
                 <Text>购买数量</Text>
                 <View className="order-qty-controls">
                   <View
-                    className={`order-qty-btn${quantity <= 1 ? ' order-qty-btn--disabled' : ''}`}
+                    className="order-qty-btn"
                     onClick={() => updateQuantity(quantity - 1)}
                   >
                     <Text>−</Text>

apps/mini-user/src/pages/order-detail/index.tsx

@@ -181,12 +181,15 @@ export default function OrderDetailPage() {
       <SubPageHeader
         title="订单详情"
         onBack={() => {
-          const pages = Taro.getCurrentPages();
-          if (pages.length > 1) {
-            Taro.navigateBack();
+          // 支付完成后 reLaunch 进详情：栈仅一页时 navigateBack 会退出小程序，统一回首页
+          const fromPay = String(router.params.from || '') === 'pay';
+          if (fromPay || Taro.getCurrentPages().length <= 1) {
+            Taro.switchTab({ url: '/pages/home/index' }).catch(() => {
+              Taro.reLaunch({ url: '/pages/home/index' });
+            });
             return;
           }
-          Taro.switchTab({ url: '/pages/home/index' });
+          Taro.navigateBack();
         }}
         right={<ShareNavButton payload={sharePayload} />}
       />

apps/mini-user/src/pages/orders/index.tsx

@@ -95,7 +95,11 @@ export default function OrdersPage() {
     <PageShell variant="sub" className="orders-page">
       <SubPageHeader
         title="我的订单"
-        onBack={() => Taro.switchTab({ url: '/pages/home/index' })}
+        onBack={() => {
+          Taro.switchTab({ url: '/pages/home/index' }).catch(() => {
+            Taro.reLaunch({ url: '/pages/home/index' });
+          });
+        }}
       />
       <View className="order-tabs">
         {TABS.map((t) => (

apps/mini-user/src/pages/pay/index.tsx

@@ -144,10 +144,10 @@ export default function PayPage() {
         toast('支付成功', 'success');
       }
       if (deliveryType === 'ON_SITE_PICKUP') {
-        // 现场提货支付即完成 → 订单详情（已完成）；reLaunch 清掉商品详情栈
-        Taro.reLaunch({ url: `/pages/order-detail/index?id=${orderId}` });
+        // 现场提货支付即完成 → 订单详情；from=pay 返回强制回首页，避免 navigateBack 退出小程序
+        Taro.reLaunch({ url: `/pages/order-detail/index?id=${orderId}&from=pay` });
       } else {
-        Taro.reLaunch({ url: '/pages/orders/index?tab=paid' });
+        Taro.reLaunch({ url: '/pages/orders/index?tab=paid&from=pay' });
       }
     } catch (e) {
       if (isWechatAuthRequiredError(e)) {

apps/mini-user/src/pages/redeem-code/index.tsx

@@ -6,6 +6,7 @@ import PageShell from '../../components/PageShell';
 import RedeemQrCode from '../../components/RedeemQrCode';
 import SubPageHeader from '../../components/SubPageHeader';
 import { request, toast } from '../../lib/api';
+import { formatMoney } from '../../lib/money';
 
 const POLL_INTERVAL_MS = 2500;
 const LAST_REDEEM_RECORD_KEY = 'lastRedeemRecordId';
@@ -26,10 +27,6 @@ type RedeemTokenStatus =
     }
   | { status: 'EXPIRED' };
 
-function formatMoney(amount: number) {
-  return amount.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
-}
-
 function formatTimer(seconds: number) {
   const mins = Math.floor(seconds / 60);
   const secs = seconds % 60;
@@ -44,6 +41,20 @@ export default function RedeemCodePage() {
   const [timerSec, setTimerSec] = useState(REDEEM_TOKEN_TTL_SECONDS);
   const timerRef = useRef<ReturnType<typeof setInterval> | null>(null);
   const successHandled = useRef(false);
+  const lastTokenTapAt = useRef(0);
+
+  function onTokenTap() {
+    if (!token) return;
+    const now = Date.now();
+    if (now - lastTokenTapAt.current < 350) {
+      lastTokenTapAt.current = 0;
+      void Taro.setClipboardData({ data: token })
+        .then(() => toast('核销码编号已复制', 'success'))
+        .catch(() => toast('复制失败'));
+      return;
+    }
+    lastTokenTapAt.current = now;
+  }
 
   const stopTimer = useCallback(() => {
     if (timerRef.current != null) {
@@ -144,9 +155,10 @@ export default function RedeemCodePage() {
           <Text className="u-muted">待核销金额</Text>
           <Text className="redeem-code-amount">¥ {formatMoney(amount)}</Text>
           {token ? (
-            <View className="redeem-code-token-wrap">
+            <View className="redeem-code-token-wrap" onClick={onTokenTap}>
               <Text className="redeem-code-token-label">核销码编号（供追查）</Text>
               <Text className="redeem-code-token">{token}</Text>
+              <Text className="redeem-code-token-hint">双击复制</Text>
             </View>
           ) : null}
         </View>

apps/mini-user/src/pages/redeem-success/index.tsx

@@ -4,6 +4,8 @@ import Taro, { useRouter } from '@tarojs/taro';
 import PageShell from '../../components/PageShell';
 import SubPageHeader from '../../components/SubPageHeader';
 import { request, toast } from '../../lib/api';
+import { formatShanghaiDateTime } from '../../lib/datetime';
+import { formatMoney } from '../../lib/money';
 
 const LAST_REDEEM_RESULT_KEY = 'lastRedeemResult';
 
@@ -16,8 +18,9 @@ type RedeemRecord = {
   createdAt: string;
 };
 
-function formatMoney(amount: number) {
-  return amount.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+/** 与权益「历史记录」一致：2026-08-03 13:53:03（Asia/Shanghai） */
+function formatChinaDateTime(input?: string | null) {
+  return formatShanghaiDateTime(input ?? new Date());
 }
 
 function StarRating({
@@ -65,9 +68,7 @@ export default function RedeemSuccessPage() {
   const amount = Number(record?.amount ?? router.params.amount ?? 0);
   const storeName = record?.storeName || '门店';
   const redeemNo = record?.redeemNo || '—';
-  const redeemedAt = record?.createdAt
-    ? new Date(record.createdAt).toLocaleString('zh-CN')
-    : new Date().toLocaleString('zh-CN');
+  const redeemedAt = formatChinaDateTime(record?.createdAt);
 
   function clearCache() {
     try {

apps/mini-user/src/pages/redeem/index.tsx

@@ -5,6 +5,7 @@ import PageShell from '../../components/PageShell';
 import SubPageHeader from '../../components/SubPageHeader';
 import { goLogin } from '../../lib/auth-nav';
 import { isLoggedIn, request, toast } from '../../lib/api';
+import { formatMoney } from '../../lib/money';
 
 type BenefitSummary = {
   totalBalance: number;
@@ -13,10 +14,6 @@ type BenefitSummary = {
 
 const MIN_REDEEM_AMOUNT = 0.01;
 
-function formatMoney(amount: number) {
-  return amount.toLocaleString('zh-CN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
-}
-
 /**
  * 核销金额输入清洗：
  * - 只保留数字与一个小数点

apps/mini-user/src/pages/store-detail/index.tsx

@@ -1,12 +1,21 @@
-import { useEffect, useMemo, useState } from 'react';
+import { useCallback, useEffect, useMemo, useRef, useState } from 'react';
 import { View, Text, Image } from '@tarojs/components';
-import Taro, { usePageScroll, useRouter, useShareAppMessage, useShareTimeline } from '@tarojs/taro';
+import Taro, {
+  useDidShow,
+  useLoad,
+  usePageScroll,
+  useRouter,
+  useShareAppMessage,
+  useShareTimeline,
+} from '@tarojs/taro';
 import PageShell from '../../components/PageShell';
 import PageNavBar from '../../components/PageNavBar';
 import ProductCarousel from '../../components/ProductCarousel';
 import ShareNavButton from '../../components/ShareNavButton';
+import StoreRedeemMarquee from '../../components/StoreRedeemMarquee';
 import WechatShareReady from '../../components/WechatShareReady';
 import { request, toast } from '../../lib/api';
+import { formatShanghaiDateTime } from '../../lib/datetime';
 import {
   DEFAULT_SHARE_DESC,
   DEFAULT_SHARE_TITLE,
@@ -43,6 +52,13 @@ type Store = {
   category?: { name: string } | null;
 };
 
+type RecentRedeem = {
+  userLabel: string;
+  amount: number | string;
+  createdAt: string;
+  text?: string;
+};
+
 function uniqueUrls(urls: Array<string | null | undefined>) {
   const seen = new Set<string>();
   const out: string[] = [];
@@ -68,30 +84,145 @@ function fullAddress(store: Store) {
   return `${store.province || ''}${city}${store.district || ''}${store.address || ''}`.trim();
 }
 
+function pickStoreId(raw?: string | null) {
+  return String(raw || '')
+    .trim()
+    .replace(/[^\d]/g, '');
+}
+
+/** 与历史记录一致：2026-08-03 15:14:30（Asia/Shanghai） */
+function formatRedeemTime(input?: string | null) {
+  return formatShanghaiDateTime(input);
+}
+
+function formatRedeemAmountYuan(amount: number | string) {
+  const n = typeof amount === 'number' ? amount : Number(amount);
+  if (!Number.isFinite(n)) return '0';
+  if (Math.abs(n - Math.round(n)) < 1e-9) return String(Math.round(n));
+  return n.toFixed(2).replace(/\.?0+$/, '');
+}
+
+function formatRecentRedeemLine(row: RecentRedeem) {
+  try {
+    // 优先用服务端拼好的 text，避免客户端时区 / Intl 差异
+    if (row.text?.trim()) return row.text.trim();
+    const label = String(row.userLabel || '用户***').trim() || '用户***';
+    const rawTime = String(row.createdAt || '').trim();
+    const time =
+      /^\d{4}-\d{2}-\d{2}/.test(rawTime)
+        ? rawTime.slice(0, 19).replace('T', ' ')
+        : formatRedeemTime(row.createdAt);
+    const amount = formatRedeemAmountYuan(row.amount);
+    return `${label} ${time} 核销${amount}元`;
+  } catch {
+    return '';
+  }
+}
+
+function normalizeRecentRedeems(payload: unknown): RecentRedeem[] {
+  try {
+    if (Array.isArray(payload)) return payload as RecentRedeem[];
+    if (payload && typeof payload === 'object') {
+      const list =
+        (payload as { list?: unknown; items?: unknown; data?: unknown }).list ??
+        (payload as { items?: unknown }).items ??
+        (payload as { data?: unknown }).data;
+      if (Array.isArray(list)) return list as RecentRedeem[];
+    }
+  } catch {
+    /* ignore */
+  }
+  return [];
+}
+
 export default function StoreDetailPage() {
   const router = useRouter();
-  const storeId = router.params.id ?? '';
+  const [storeId, setStoreId] = useState(() => pickStoreId(router.params.id));
   const [store, setStore] = useState<Store | null>(null);
+  const [recentRedeems, setRecentRedeems] = useState<RecentRedeem[]>([]);
+  const [loading, setLoading] = useState(true);
+  const [loadError, setLoadError] = useState('');
   const [headerSolid, setHeaderSolid] = useState(false);
+  const storeRef = useRef<Store | null>(null);
+  storeRef.current = store;
 
   usePageScroll(({ scrollTop }) => {
     setHeaderSolid(scrollTop > 100);
   });
 
+  const loadStore = useCallback(async (id: string) => {
+    if (!id) {
+      setLoading(false);
+      setLoadError('缺少门店参数');
+      return;
+    }
+    setLoadError('');
+    if (!storeRef.current) setLoading(true);
+    try {
+      const data = await request<Store>(`/stores/${id}`);
+      if (!data || !data.id) {
+        setStore(null);
+        setLoadError('门店不存在或暂不可见');
+        toast('门店不存在或暂不可见');
+        return;
+      }
+      setStore(data);
+    } catch (e) {
+      const msg = e instanceof Error ? e.message : '加载失败';
+      setLoadError(msg);
+      if (!storeRef.current) toast(msg);
+    } finally {
+      setLoading(false);
+    }
+  }, []);
+
+  const loadRecentRedeems = useCallback(async (id: string) => {
+    if (!id) {
+      setRecentRedeems([]);
+      return;
+    }
+    try {
+      const list = await request<unknown>(`/stores/${id}/recent-redeems?limit=20`);
+      setRecentRedeems(normalizeRecentRedeems(list));
+    } catch {
+      setRecentRedeems([]);
+    }
+  }, []);
+
+  const bootstrap = useCallback(
+    (id: string) => {
+      const nextId = pickStoreId(id);
+      if (!nextId) {
+        setLoading(false);
+        setLoadError('缺少门店参数');
+        return;
+      }
+      setStoreId(nextId);
+      void loadStore(nextId);
+      void loadRecentRedeems(nextId);
+    },
+    [loadStore, loadRecentRedeems],
+  );
+
+  // 首屏：useLoad 带 options.id，比仅用 useDidShow 更稳（H5/小程序都覆盖）
+  useLoad((options) => {
+    bootstrap(options?.id || router.params.id || '');
+  });
+
   useEffect(() => {
-    if (!storeId) return;
-    request<Store>(`/stores/${storeId}`)
-      .then(setStore)
-      .catch(() => {
-        request<Store[]>('/stores')
-          .then((list) => {
-            const found = (Array.isArray(list) ? list : []).find((s) => s.id === storeId);
-            if (found) setStore(found);
-            else toast('门店不存在');
-          })
-          .catch((e) => toast(e instanceof Error ? e.message : '加载失败'));
-      });
-  }, [storeId]);
+    const fromRouter = pickStoreId(router.params.id);
+    if (fromRouter && fromRouter !== storeId) {
+      bootstrap(fromRouter);
+    }
+  }, [router.params.id, storeId, bootstrap]);
+
+  // 登录态变化后回到本页：重拉详情与走马灯
+  useDidShow(() => {
+    const id = pickStoreId(storeId || router.params.id);
+    if (!id) return;
+    void loadStore(id);
+    void loadRecentRedeems(id);
+  });
 
   const sharePayload = useMemo(
     () => {
@@ -106,6 +237,11 @@ export default function StoreDetailPage() {
     [store, storeId],
   );
 
+  const marqueeLines = useMemo(
+    () => recentRedeems.map(formatRecentRedeemLine).filter(Boolean),
+    [recentRedeems],
+  );
+
   useShareAppMessage(() => toWeappShareMessage(sharePayload));
   useShareTimeline(() => ({
     title: sharePayload.title || DEFAULT_SHARE_TITLE,
@@ -161,7 +297,9 @@ export default function StoreDetailPage() {
     return (
       <PageShell variant="scroll" className="store-detail-page">
         <PageNavBar title="门店详情" solid onBack={goBack} />
-        <View className="page-with-nav-bar u-empty">加载中…</View>
+        <View className="page-with-nav-bar u-empty">
+          {loading ? '加载中…' : loadError || '门店不存在或暂不可见'}
+        </View>
       </PageShell>
     );
   }
@@ -245,6 +383,12 @@ export default function StoreDetailPage() {
         </View>
       </View>
 
+      {marqueeLines.length > 0 ? (
+        <View className="store-detail-marquee-wrap">
+          <StoreRedeemMarquee key={marqueeLines.join('|')} lines={marqueeLines} />
+        </View>
+      ) : null}
+
       {intro ? (
         <View className="store-detail-section">
           <Text className="store-detail-section-title">门店详情</Text>

apps/mini-user/src/pages/stores/index.tsx

@@ -27,7 +27,7 @@ import {
 } from '../../lib/user-location';
 import { FALLBACK_CITY_CODE } from '../../lib/product-images';
 import { formatDistanceMeters } from '../../lib/geo';
-import { request, toast } from '../../lib/api';
+import { getToken, request, toast } from '../../lib/api';
 import {
   getStoresListCache,
   isStoresSessionBootstrapped,
@@ -143,6 +143,7 @@ export default function StoresPage() {
       setStoresListCache({
         cityKey,
         cityCode: nextCode,
+        authKey: getToken() || '',
         listRegion: toCityWideRegion(listRegion),
         items,
         filterRegion,
@@ -160,12 +161,38 @@ export default function StoresPage() {
 
   /**
    * 首次进入：弹窗 + 定位 + 拉列表。
-   * 同次再切回：只同步 tab 选中态，不改筛选、不拉接口、不 setState。
+   * 同次再切回：只同步 tab 选中态（登录态未变）。
+   * 登录/退出后 token 变化：按缓存失效重新拉列表（白名单）。
    */
   useDidShow(() => {
     syncTabBarSelected(1);
 
+    const authKey = getToken() || '';
+    const cache = getStoresListCache();
     if (isStoresSessionBootstrapped()) {
+      if (cache && (cache.authKey ?? '') === authKey) {
+        return;
+      }
+      // 登录态变了：保留筛选，重新拉列表
+      void (async () => {
+        setLoading(true);
+        const nextCode = cache?.cityCode || FALLBACK_CITY_CODE;
+        const listRegion = cache?.listRegion
+          ? {
+              province: cache.listRegion.province,
+              city: cache.listRegion.city,
+              district: cache.listRegion.district || '全部',
+            }
+          : regionRef.current;
+        const nextCityKey = cache?.cityKey || makeCityKey(listRegion);
+        await fetchStores(
+          nextCode,
+          readCachedUserCoords(),
+          nextCityKey,
+          listRegion,
+          regionRef.current,
+        );
+      })();
       return;
     }
     markStoresSessionBootstrapped();

apps/mini-user/src/styles/nav-bar.css

@@ -203,7 +203,8 @@
   height: var(--nav-content-height);
   line-height: var(--nav-content-height);
   text-align: center;
-  padding: 0 88px 0 56px;
+  /* 左右等宽留白，避免右侧分享/胶囊导致标题视觉偏左 */
+  padding: 0 max(72px, var(--nav-padding-right, 96px));
   box-sizing: border-box;
   opacity: 0;
   font-family: var(--font-headline);

apps/mini-user/src/styles/redeem.css

@@ -304,9 +304,19 @@
   display: block;
   font-family: ui-monospace, monospace;
   font-size: 11px;
-  word-break: break-all;
   color: var(--color-on-surface);
   line-height: 1.5;
+  max-width: 100%;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.redeem-code-token-hint {
+  display: block;
+  margin-top: 4px;
+  font-size: 11px;
+  color: var(--color-subtle-gray);
 }
 
 .redeem-success-icon {

apps/mini-user/src/styles/store-detail.css

@@ -127,6 +127,36 @@
   font-size: 11px;
 }
 
+.store-detail-marquee-wrap {
+  margin: 0 var(--space-page) 12px;
+}
+
+.store-detail-marquee {
+  margin: 0;
+  padding: 0;
+  border-radius: 8px;
+  background: #fff7f6;
+  border: 1px solid rgba(166, 29, 36, 0.12);
+  overflow: hidden;
+  height: 40px;
+  box-sizing: border-box;
+  position: relative;
+}
+
+.store-detail-marquee-inner {
+  position: absolute;
+  top: 50%;
+  margin-top: -10px;
+  white-space: nowrap;
+}
+
+.store-detail-marquee-text {
+  white-space: nowrap;
+  font-size: 12px;
+  line-height: 20px;
+  color: #a61d24;
+}
+
 .store-detail-section {
   background: var(--color-card);
   margin: 0 var(--space-page) 16px;

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 +238,53 @@ 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 = {
+    availableAmount: 1000,
+    requestAmount: 200,
+    todayApplied: 0,
+    dailyLimit: 5000,
+    hasPendingRequest: false,
+    hasBankAccount: true,
+  };
+
+  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 +96,81 @@ 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 = {
+  availableAmount: number;
+  requestAmount: number;
+  todayApplied: number;
+  dailyLimit: number;
+  hasPendingRequest: boolean;
+  hasBankAccount: boolean;
+};
+
+/** 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.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 };

packages/shared-types/src/hq-permissions.ts

@@ -32,6 +32,7 @@ export const HQ_PERMISSION_CATALOG = [
   { key: 'system_settings_app', label: '应用链接', group: '系统设置' },
   { key: 'system_settings_deploy', label: '发布部署', group: '系统设置' },
   { key: 'system_settings_winery_bank', label: '酒厂银行账户', group: '系统设置' },
+  { key: 'system_settings_finance', label: '财务结算', group: '系统设置' },
 ] as const;
 
 export type HqPermissionKey = (typeof HQ_PERMISSION_CATALOG)[number]['key'];
@@ -61,6 +62,7 @@ export const SYSTEM_CONFIG_GROUP_PERMISSION: Record<string, HqPermissionKey> = {
   app: 'system_settings_app',
   deploy: 'system_settings_deploy',
   winery_bank: 'system_settings_winery_bank',
+  finance: 'system_settings_finance',
 };
 
 export const SYSTEM_SETTINGS_PERMISSION_KEYS = Object.values(
@@ -127,6 +129,7 @@ export const HQ_ROLE_DEFAULT_PERMISSIONS: Record<string, HqPermissionKey[]> = {
     'invoices',
     'logs',
     'system_settings_winery_bank',
+    'system_settings_finance',
   ],
   CUSTOMER_SERVICE: [
     'dashboard',

packages/shared-types/src/redeem.ts

@@ -19,14 +19,39 @@ export interface RedeemPreviewDto {
   boundStoreId?: string | null;
 }
 
+/** 门店核销方式 */
+export type RedeemChannel = 'SCAN' | 'PHONE';
+
+export const REDEEM_CHANNEL_LABELS: Record<RedeemChannel, string> = {
+  SCAN: '扫码核销',
+  PHONE: '手机号核销',
+};
+
 export interface RedeemRecordDto {
   id: string;
   redeemNo: string;
   amount: number;
   settleAmount: number;
+  /** 核销方式：扫码 SCAN / 手机号 PHONE */
+  channel?: RedeemChannel;
   createdAt: string;
 }
 
+export interface RedeemChannelStatsBucket {
+  channel: RedeemChannel;
+  count: number;
+  amount: number;
+  settleAmount: number;
+}
+
+export interface RedeemStatsDto {
+  range: 'today' | '7d' | '30d';
+  totalCount: number;
+  totalAmount: number;
+  totalSettleAmount: number;
+  byChannel: RedeemChannelStatsBucket[];
+}
+
 export interface RedeemPhoneBalanceDto {
   sessionId: string;
   totalBalance: number;

packages/shared-types/src/settlement.ts

@@ -1,5 +1,86 @@
 export type FinancePayStatus = 'UNPAID' | 'PAID';
 
+/** 门店未出账提现单日上限默认值（FIN-002，可配置） */
+export const DEFAULT_STORE_WITHDRAW_DAILY_LIMIT = 5000;
+
+export type StoreWithdrawStatus = 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+
+export const STORE_WITHDRAW_STATUS_LABELS: Record<StoreWithdrawStatus, string> = {
+  PENDING_REVIEW: '待审核',
+  REJECTED: '已驳回',
+  PAID: '已结算',
+};
+
+/** 总部「门店账单」统一列表：T+1 出账 / 手动提现 */
+export type StoreSettlementKind = 'T1_BILL' | 'WITHDRAW';
+
+export const STORE_SETTLEMENT_KIND_LABELS: Record<StoreSettlementKind, string> = {
+  T1_BILL: 'T+1出账',
+  WITHDRAW: '手动提现',
+};
+
+export type StoreSettlementStatus = FinancePayStatus | StoreWithdrawStatus;
+
+export const STORE_SETTLEMENT_STATUS_LABELS: Record<StoreSettlementStatus, string> = {
+  UNPAID: '未打款',
+  PAID: '已打款',
+  PENDING_REVIEW: '待审核',
+  REJECTED: '已驳回',
+};
+
+export interface StoreSettlementRowDto {
+  kind: StoreSettlementKind;
+  id: string;
+  billNo: string;
+  storeId: string;
+  amount: number;
+  status: StoreSettlementStatus;
+  date: string;
+  overdue?: boolean;
+  redeemCount?: number | null;
+  redeemAmount?: number | null;
+  settlementRate?: number | null;
+  payoutCount?: number | null;
+  store?: {
+    id: string;
+    name: string;
+    cityName: string;
+    phone?: string | null;
+  };
+}
+
+export interface StoreWithdrawBankAccountDto {
+  bankAccountName?: string | null;
+  bankAccountNo?: string | null;
+  bankBranch?: string | null;
+}
+
+export interface StoreWithdrawSummaryDto {
+  availableAmount: number;
+  pendingReviewAmount: number;
+  todayAppliedAmount: number;
+  dailyLimit: number;
+  remainingDailyLimit: number;
+  isPrimary: boolean;
+  hasBankAccount: boolean;
+  hasPendingRequest: boolean;
+  bankAccount?: StoreWithdrawBankAccountDto | null;
+}
+
+export interface StoreWithdrawRequestDto {
+  id: string;
+  withdrawNo: string;
+  storeId: string;
+  amount: number;
+  payoutCount: number;
+  status: StoreWithdrawStatus;
+  rejectReason?: string | null;
+  appliedAt: string;
+  reviewedAt?: string | null;
+  paidAt?: string | null;
+  paymentRef?: string | null;
+}
+
 export interface StorePayoutDto {
   id: string;
   redeemAmount: number;
@@ -30,6 +111,19 @@ export const FINANCE_PAY_STATUS_LABELS: Record<FinancePayStatus, string> = {
   PAID: '已打款',
 };
 
+export function storeSettlementStatusLabel(
+  kind: StoreSettlementKind,
+  status: string,
+): string {
+  if (kind === 'WITHDRAW' && status in STORE_WITHDRAW_STATUS_LABELS) {
+    return STORE_WITHDRAW_STATUS_LABELS[status as StoreWithdrawStatus];
+  }
+  if (status in FINANCE_PAY_STATUS_LABELS) {
+    return FINANCE_PAY_STATUS_LABELS[status as FinancePayStatus];
+  }
+  return STORE_SETTLEMENT_STATUS_LABELS[status as StoreSettlementStatus] ?? status;
+}
+
 export interface PartnerBillDto {
   id: string;
   billNo: string;

scripts/smoke-v3.mjs

@@ -135,38 +135,97 @@ async function main() {
     '/shop/auth/login/sms',
     '/shop/auth/sms/send',
   );
-  const shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopLogin.accessToken });
+  let shopToken = shopLogin.accessToken;
+  let shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
   if (!shopMe?.phone) throw new Error('Shop /shop/auth/me failed');
   const refreshed = await req('SHOP_H5', '/shop/auth/token/refresh', {
     method: 'POST',
     body: JSON.stringify({ refreshToken: shopLogin.refreshToken }),
   });
   if (!refreshed?.accessToken) throw new Error('Shop token refresh failed');
+  shopToken = refreshed.accessToken;
+  shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
+  if (!shopMe.storeId && shopMe.stores?.[0]?.storeId) {
+    const selected = await req('SHOP_H5', '/shop/auth/select-store', {
+      method: 'POST',
+      token: shopToken,
+      body: JSON.stringify({ storeId: shopMe.stores[0].storeId }),
+    });
+    shopToken = selected.accessToken || shopToken;
+    shopMe = await req('SHOP_H5', '/shop/auth/me', { token: shopToken });
+  }
+  if (!shopMe.storeId) throw new Error('Shop storeId missing after select-store');
   const preview = await req('SHOP_H5', '/shop/redeem/preview', {
     method: 'POST',
-    token: shopLogin.accessToken,
+    token: shopToken,
     body: JSON.stringify({ token: directToken.token }),
   });
   if (!preview.amount) throw new Error('Redeem preview failed');
   await req('SHOP_H5', '/shop/redeem/confirm', {
     method: 'POST',
-    token: shopLogin.accessToken,
+    token: shopToken,
     body: JSON.stringify({ token: directToken.token }),
   });
 
-  console.log('9. Admin login + store payout');
+  console.log('9. Store withdraw (OPT-010)');
   const admin = await adminLogin();
-  const payouts = await req('HQ_WEB', '/admin/store-payouts?status=PENDING', {
-    token: admin.accessToken,
+  const shopStoreId = shopMe.storeId || shopMe.stores?.[0]?.storeId;
+  if (!shopStoreId) throw new Error('Shop storeId missing after login');
+
+  const withdrawSummary = await req('SHOP_H5', '/shop/withdraw/summary', {
+    token: shopToken,
   });
-  if (!payouts.items?.length) throw new Error('Expected pending store payout');
-  const payoutId = payouts.items[0].id;
-  await req('HQ_WEB', `/admin/store-payouts/${payoutId}/confirm`, {
+  if (!(withdrawSummary.availableAmount > 0)) {
+    throw new Error('Expected available withdraw amount after redeem');
+  }
+
+  const applied = await req('SHOP_H5', '/shop/withdraw', {
+    method: 'POST',
+    token: shopToken,
+    body: JSON.stringify({}),
+  });
+  if (applied.status !== 'PENDING_REVIEW') {
+    throw new Error(`Expected PENDING_REVIEW withdraw, got ${applied.status}`);
+  }
+
+  const pendingDup = await expectFail('SHOP_H5', '/shop/withdraw', {
+    method: 'POST',
+    token: shopToken,
+    body: JSON.stringify({}),
+  });
+  if (!String(pendingDup).includes('待审核')) {
+    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,
-    body: JSON.stringify({ remark: 'smoke confirm' }),
+    body: JSON.stringify({ paymentRef: 'smoke-withdraw' }),
   });
 
+  const withdrawList = await req('SHOP_H5', '/shop/withdraw/requests?status=PAID', {
+    token: shopToken,
+  });
+  const settled = withdrawList.items?.find((w) => w.id === applied.id);
+  if (!settled || settled.status !== 'PAID') {
+    throw new Error('Expected settled withdraw request on shop side');
+  }
+
+  const overdue = await req('HQ_WEB', '/admin/store-withdrawals/overdue-summary', {
+    token: admin.accessToken,
+  });
+  if (typeof overdue.pendingCount !== 'number') {
+    throw new Error('overdue-summary missing pendingCount');
+  }
+
   console.log('10. Refund ticket flow');
   const order2 = await req('USER_H5', '/trade/orders', {
     method: 'POST',

server/dukang-api/prisma/schema.prisma

@@ -52,6 +52,12 @@ enum RedeemPendingStatus {
   REJECTED
 }
 
+/// Redeem channel: SCAN or PHONE
+enum RedeemChannel {
+  SCAN
+  PHONE
+}
+
 enum ResourceMediaType {
   IMAGE
   VIDEO
@@ -314,6 +320,12 @@ enum StorePayoutStatus {
   PAID
 }
 
+enum StoreWithdrawStatus {
+  PENDING_REVIEW
+  REJECTED
+  PAID
+}
+
 enum ThirdPartyProvider {
   WECHAT_PAY
   WECHAT_REFUND
@@ -1062,6 +1074,10 @@ model Store {
   openTime2       String?     @map("open_time_2") @db.VarChar(8)
   closeTime2      String?     @map("close_time_2") @db.VarChar(8)
   settlementRate  Decimal     @default(0.60) @map("settlement_rate") @db.Decimal(5, 4)
+  /// Online test: only listed phones can see store on C-end when enabled
+  visibilityWhitelistEnabled Boolean @default(false) @map("visibility_whitelist_enabled")
+  /// FIN-001：允许未出账手动提现的白名单门店
+  withdrawWhitelistEnabled Boolean @default(false) @map("withdraw_whitelist_enabled")
   createdAt       DateTime    @default(now()) @map("created_at") @db.DateTime(3)
   updatedAt       DateTime    @updatedAt @map("updated_at") @db.DateTime(3)
 
@@ -1075,6 +1091,8 @@ model Store {
   ratings              StoreRating[]
   payouts              StorePayout[]
   storeBills           StoreBill[]
+  withdrawRequests     StoreWithdrawRequest[]
+  visibilityPhones     StoreVisibilityPhone[]
 
   @@index([cityId, status])
   @@index([partnerAccountId])
@@ -1082,6 +1100,20 @@ model Store {
   @@map("store_store")
 }
 
+/// Store visibility whitelist phones (match by bound user phone)
+model StoreVisibilityPhone {
+  id        BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
+  storeId   BigInt   @map("store_id") @db.UnsignedBigInt
+  phone     String   @db.VarChar(20)
+  createdAt DateTime @default(now()) @map("created_at") @db.DateTime(3)
+
+  store Store @relation(fields: [storeId], references: [id], onDelete: Cascade)
+
+  @@unique([storeId, phone])
+  @@index([phone])
+  @@map("store_visibility_phone")
+}
+
 model StoreAccount {
   id              BigInt          @id @default(autoincrement()) @db.UnsignedBigInt
   phone           String          @unique @db.VarChar(20)
@@ -1104,6 +1136,7 @@ model StoreAccount {
   childAccounts        StoreAccount[]        @relation("StoreAccountHierarchy")
   bindings             StoreAccountStore[]
   redeemPendingRecords RedeemPendingRecord[]
+  withdrawRequests     StoreWithdrawRequest[]
 
   @@index([parentAccountId])
   @@map("store_account")
@@ -1291,14 +1324,16 @@ model BenefitCoupon {
 }
 
 model RedeemRecord {
-  id           BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
-  redeemNo     String   @unique @map("redeem_no") @db.VarChar(32)
-  userId       BigInt   @map("user_id") @db.UnsignedBigInt
-  couponId     BigInt   @map("coupon_id") @db.UnsignedBigInt
-  storeId      BigInt   @map("store_id") @db.UnsignedBigInt
-  amount       Decimal  @db.Decimal(10, 2)
-  settleAmount Decimal  @map("settle_amount") @db.Decimal(10, 2)
-  createdAt    DateTime @default(now()) @map("created_at") @db.DateTime(3)
+  id           BigInt        @id @default(autoincrement()) @db.UnsignedBigInt
+  redeemNo     String        @unique @map("redeem_no") @db.VarChar(32)
+  userId       BigInt        @map("user_id") @db.UnsignedBigInt
+  couponId     BigInt        @map("coupon_id") @db.UnsignedBigInt
+  storeId      BigInt        @map("store_id") @db.UnsignedBigInt
+  amount       Decimal       @db.Decimal(10, 2)
+  settleAmount Decimal       @map("settle_amount") @db.Decimal(10, 2)
+  /// SCAN=qrcode, PHONE=phone
+  channel      RedeemChannel @default(SCAN)
+  createdAt    DateTime      @default(now()) @map("created_at") @db.DateTime(3)
 
   user         User                     @relation(fields: [userId], references: [id], onDelete: Restrict)
   coupon       BenefitCoupon            @relation(fields: [couponId], references: [id], onDelete: Restrict)
@@ -1309,6 +1344,7 @@ model RedeemRecord {
   allocations  RedeemRecordAllocation[]
 
   @@index([storeId, createdAt])
+  @@index([storeId, channel, createdAt])
   @@map("user_redeem_record")
 }
 
@@ -1415,12 +1451,52 @@ model StorePayout {
   redeemRecord RedeemRecord @relation(fields: [redeemRecordId], references: [id], onDelete: Restrict)
   store        Store        @relation(fields: [storeId], references: [id], onDelete: Restrict)
   storeBill    StoreBill?   @relation(fields: [storeBillId], references: [id], onDelete: SetNull)
+  withdrawItem StoreWithdrawPayoutItem?
 
   @@index([storeId, status])
   @@index([storeBillId])
   @@map("store_payout")
 }
 
+model StoreWithdrawRequest {
+  id              BigInt              @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawNo      String              @unique @map("withdraw_no") @db.VarChar(32)
+  storeId         BigInt              @map("store_id") @db.UnsignedBigInt
+  storeAccountId  BigInt              @map("store_account_id") @db.UnsignedBigInt
+  amount          Decimal             @db.Decimal(10, 2)
+  payoutCount     Int                 @default(0) @map("payout_count")
+  status          StoreWithdrawStatus @default(PENDING_REVIEW)
+  rejectReason    String?             @map("reject_reason") @db.VarChar(512)
+  appliedAt       DateTime            @default(now()) @map("applied_at") @db.DateTime(3)
+  reviewedAt      DateTime?           @map("reviewed_at") @db.DateTime(3)
+  reviewedByHqId  BigInt?             @map("reviewed_by_hq_id") @db.UnsignedBigInt
+  paidAt          DateTime?           @map("paid_at") @db.DateTime(3)
+  paymentRef      String?             @map("payment_ref") @db.VarChar(128)
+  createdAt       DateTime            @default(now()) @map("created_at") @db.DateTime(3)
+  updatedAt       DateTime            @updatedAt @map("updated_at") @db.DateTime(3)
+
+  store        Store                      @relation(fields: [storeId], references: [id], onDelete: Restrict)
+  storeAccount StoreAccount               @relation(fields: [storeAccountId], references: [id], onDelete: Restrict)
+  items        StoreWithdrawPayoutItem[]
+
+  @@index([storeId, status])
+  @@index([status, appliedAt])
+  @@map("store_withdraw_request")
+}
+
+model StoreWithdrawPayoutItem {
+  id                BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawRequestId BigInt   @map("withdraw_request_id") @db.UnsignedBigInt
+  storePayoutId     BigInt   @unique @map("store_payout_id") @db.UnsignedBigInt
+  createdAt         DateTime @default(now()) @map("created_at") @db.DateTime(3)
+
+  withdrawRequest StoreWithdrawRequest @relation(fields: [withdrawRequestId], references: [id], onDelete: Cascade)
+  storePayout     StorePayout          @relation(fields: [storePayoutId], references: [id], onDelete: Restrict)
+
+  @@index([withdrawRequestId])
+  @@map("store_withdraw_payout_item")
+}
+
 model WineryBill {
   id           BigInt           @id @default(autoincrement()) @db.UnsignedBigInt
   billNo       String           @unique @map("bill_no") @db.VarChar(32)

server/dukang-api/src/common/guards/shop-primary.guard.ts

@@ -0,0 +1,30 @@
+import {
+  CanActivate,
+  ExecutionContext,
+  ForbiddenException,
+  Injectable,
+} from '@nestjs/common';
+import { PrismaService } from '../prisma/prisma.module';
+import type { AuthUser } from './jwt-auth.guard';
+
+/** 门店主账号专用（提现等资金操作） */
+@Injectable()
+export class ShopPrimaryGuard implements CanActivate {
+  constructor(private readonly prisma: PrismaService) {}
+
+  async canActivate(context: ExecutionContext): Promise<boolean> {
+    const req = context.switchToHttp().getRequest();
+    const user = req.user as AuthUser | undefined;
+    if (!user || user.actorType !== 'STORE') {
+      throw new ForbiddenException('仅门店主账号可操作');
+    }
+    const account = await this.prisma.storeAccount.findUnique({
+      where: { id: user.actorId },
+      select: { isPrimary: true },
+    });
+    if (!account || account.isPrimary !== 1) {
+      throw new ForbiddenException('仅门店主账号可申请提现');
+    }
+    return true;
+  }
+}

server/dukang-api/src/common/hq-operation/hq-operation.constants.ts

@@ -61,6 +61,8 @@ export const HqOperationAction = {
   STORE_PAYOUT_BATCH_CONFIRM: 'STORE_PAYOUT_BATCH_CONFIRM',
   STORE_BILL_CONFIRM: 'STORE_BILL_CONFIRM',
   STORE_BILL_BATCH_CONFIRM: 'STORE_BILL_BATCH_CONFIRM',
+  STORE_WITHDRAW_APPROVE: 'STORE_WITHDRAW_APPROVE',
+  STORE_WITHDRAW_REJECT: 'STORE_WITHDRAW_REJECT',
   PARTNER_BILL_GENERATE: 'PARTNER_BILL_GENERATE',
   PARTNER_BILL_SEND: 'PARTNER_BILL_SEND',
   PARTNER_BILL_BATCH_SEND: 'PARTNER_BILL_BATCH_SEND',
@@ -164,6 +166,8 @@ export const HQ_OPERATION_ACTION_LABELS: Record<string, string> = {
   [HqOperationAction.STORE_PAYOUT_BATCH_CONFIRM]: '批量门店打款',
   [HqOperationAction.STORE_BILL_CONFIRM]: '门店对账单确认打款',
   [HqOperationAction.STORE_BILL_BATCH_CONFIRM]: '批量门店对账单打款',
+  [HqOperationAction.STORE_WITHDRAW_APPROVE]: '门店提现审核通过',
+  [HqOperationAction.STORE_WITHDRAW_REJECT]: '门店提现驳回',
   [HqOperationAction.PARTNER_BILL_GENERATE]: '生成合伙人账单',
   [HqOperationAction.PARTNER_BILL_SEND]: '发送合伙人账单',
   [HqOperationAction.PARTNER_BILL_BATCH_SEND]: '批量发送合伙人账单',

server/dukang-api/src/common/system-config/system-config.registry.ts

@@ -10,6 +10,7 @@ export const SYSTEM_CONFIG_GROUPS: SystemConfigGroupMeta[] = [
   { key: 'app', label: '应用链接' },
   { key: 'deploy', label: '发布部署' },
   { key: 'winery_bank', label: '酒厂银行账户' },
+  { key: 'finance', label: '财务结算' },
 ];
 
 const G = {
@@ -21,6 +22,7 @@ const G = {
   app: 'app',
   deploy: 'deploy',
   winery_bank: 'winery_bank',
+  finance: 'finance',
 } as const;
 
 /** HQ 可维护字段（不含 NODE_ENV / DATABASE_URL / JWT 等基础设施项） */
@@ -187,6 +189,15 @@ export const SYSTEM_CONFIG_FIELDS: SystemConfigFieldMeta[] = [
     type: 'string',
     requiresRestart: false,
   },
+  {
+    key: 'STORE_WITHDRAW_DAILY_LIMIT',
+    label: '门店未出账提现单日上限（元）',
+    group: G.finance,
+    type: 'number',
+    requiresRestart: false,
+    description: 'FIN-002：单店单日提现上限，默认 5000',
+    placeholder: '5000',
+  },
 ];
 
 /** 已从 HQ 配置移除、仅保留在 .env 的键（启动时从 DB 清理） */

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

@@ -7,6 +7,7 @@ import { AlertService } from '../common/alert/alert.service';
  * 财务对账单定时任务（Asia/Shanghai）
  * - 每日 08:00：酒厂日账单 + 门店日账单（统计昨日 00:00～今日 00:00）
  * - 每月 1 日 08:00：合伙人上一自然月账单 + 物流承运商上一自然月对账
+ * - 工作日 18:05：门店提现 T+0 审完预警（FIN-003）
  */
 @Injectable()
 export class SettlementScheduler {
@@ -48,6 +49,25 @@ export class SettlementScheduler {
     }
   }
 
+  /** 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: ${JSON.stringify(summary)}`);
+    } catch (e) {
+      this.logger.error('Store withdraw overdue scan failed', e instanceof Error ? e.stack : e);
+      this.alert.notify({
+        level: 'P1',
+        category: 'job',
+        title: '门店提现超时扫描失败',
+        detail: e instanceof Error ? e.message : String(e),
+        dedupeKey: `job_store_withdraw_overdue_fail|${new Date().toISOString().slice(0, 10)}`,
+      });
+    }
+  }
+
   @Cron('0 8 1 * *', { timeZone: 'Asia/Shanghai' })
   async handleMonthlyPartnerBills() {
     this.logger.log('Monthly partner bills job start');

server/dukang-api/src/modules/iam/iam.module.ts

@@ -23,6 +23,7 @@ import { HqAuthGuard } from '../../common/guards/hq-auth.guard';
 import { PartnerPrimaryGuard } from '../../common/guards/partner-primary.guard';
 import { PartnerPermissionGuard } from '../../common/guards/partner-permission.guard';
 import { ShopStoreGuard } from '../../common/guards/shop-store.guard';
+import { ShopPrimaryGuard } from '../../common/guards/shop-primary.guard';
 import { StoreMembershipService } from '../../common/guards/store-membership.service';
 import {
   HqPermissionGuard,
@@ -63,6 +64,7 @@ import { CommonModule } from '../common/common.module';
     PartnerPrimaryGuard,
     PartnerPermissionGuard,
     ShopStoreGuard,
+    ShopPrimaryGuard,
     HqPermissionsResolver,
     HqPermissionGuard,
   ],
@@ -80,6 +82,7 @@ import { CommonModule } from '../common/common.module';
     PartnerPrimaryGuard,
     PartnerPermissionGuard,
     ShopStoreGuard,
+    ShopPrimaryGuard,
     HqPermissionsResolver,
     HqPermissionGuard,
   ],

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

@@ -40,6 +40,21 @@ function num(v: Prisma.Decimal | number | string | null | undefined): number {
   return typeof v === 'number' ? v : Number(v);
 }
 
+function isWithdrawOverdue(appliedAt: Date, now = new Date()): boolean {
+  const day = appliedAt.getDay();
+  if (day === 0 || day === 6) return false;
+  const deadline = new Date(
+    appliedAt.getFullYear(),
+    appliedAt.getMonth(),
+    appliedAt.getDate(),
+    18,
+    0,
+    0,
+    0,
+  );
+  return now.getTime() > deadline.getTime();
+}
+
 @Injectable()
 export class AdminDashboardService {
   constructor(private readonly prisma: PrismaService) {}
@@ -63,6 +78,7 @@ export class AdminDashboardService {
       pendingBills,
       pendingPartnerDraftBills,
       openTickets,
+      pendingWithdrawRows,
     ] = await Promise.all([
       this.prisma.user.count({ where: { status: 1, mergedIntoUserId: null } }),
       this.prisma.user.count({
@@ -85,8 +101,18 @@ export class AdminDashboardService {
       this.prisma.partnerBill.count({ where: { status: 'UNPAID' } }),
       this.prisma.partnerBill.count({ where: { status: 'PENDING_REVIEW' } }),
       this.prisma.commonTicket.count({ where: { status: { in: ['PENDING', 'OPEN'] } } }),
+      this.prisma.storeWithdrawRequest.findMany({
+        where: { status: 'PENDING_REVIEW' },
+        select: { appliedAt: true },
+      }),
     ]);
 
+    const now = new Date();
+    const pendingStoreWithdrawals = pendingWithdrawRows.length;
+    const overdueStoreWithdrawals = pendingWithdrawRows.filter((r) =>
+      isWithdrawOverdue(r.appliedAt, now),
+    ).length;
+
     return {
       usersTotal,
       guestUsers,
@@ -101,6 +127,8 @@ export class AdminDashboardService {
       pendingBills,
       pendingPartnerDraftBills,
       openTickets,
+      pendingStoreWithdrawals,
+      overdueStoreWithdrawals,
       ordersByStatus: ordersByStatus.map((row) => ({
         status: row.status,
         count: row._count.status,

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

@@ -39,6 +39,9 @@ export class AdminRedeemService {
     if (query.redeemNo) where.redeemNo = { contains: query.redeemNo };
     if (query.storeId) where.storeId = BigInt(query.storeId);
     if (query.userId) where.userId = BigInt(query.userId);
+    if (query.channel === 'SCAN' || query.channel === 'PHONE') {
+      where.channel = query.channel;
+    }
 
     const [items, total] = await Promise.all([
       this.prisma.redeemRecord.findMany({

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

@@ -25,6 +25,24 @@ function normalizeStoreOptionalText(value: unknown): string | null {
   return s;
 }
 
+function normalizeVisibilityPhones(phones?: string[]): string[] {
+  if (!phones?.length) return [];
+  const out: string[] = [];
+  const seen = new Set<string>();
+  for (const raw of phones) {
+    const phone = String(raw || '')
+      .replace(/\D/g, '')
+      .trim();
+    if (!phone || seen.has(phone)) continue;
+    if (!/^1\d{10}$/.test(phone)) {
+      throw new BadRequestException(`手机号格式无效：${raw}`);
+    }
+    seen.add(phone);
+    out.push(phone);
+  }
+  return out;
+}
+
 @Injectable()
 export class AdminStoresService {
   constructor(
@@ -64,19 +82,23 @@ export class AdminStoresService {
             },
           },
           coverResource: { select: { id: true, url: true } },
+          visibilityPhones: { select: { phone: true }, orderBy: { phone: 'asc' } },
         },
       }),
       this.prisma.store.count({ where }),
     ]);
     return serializeBigInt({
-      items: items.map((s) =>
-        mapStoreCompat({
-          ...s,
+      items: items.map((s) => {
+        const { visibilityPhones, ...rest } = s;
+        return mapStoreCompat({
+          ...rest,
+          visibilityWhitelistEnabled: s.visibilityWhitelistEnabled,
+          visibilityPhones: visibilityPhones.map((p) => p.phone),
           partner: s.partnerAccount,
           account: s.bindings[0]?.storeAccount ?? null,
           bindings: undefined,
-        }),
-      ),
+        });
+      }),
       total,
       page,
       pageSize,
@@ -96,6 +118,7 @@ export class AdminStoresService {
           include: { storeAccount: true },
         },
         coverResource: true,
+        visibilityPhones: { select: { phone: true }, orderBy: { phone: 'asc' } },
         _count: { select: { redeemRecords: true, ratings: true } },
       },
     });
@@ -111,8 +134,12 @@ export class AdminStoresService {
         take: 5,
       }),
     ]);
+    const { visibilityPhones, ...rest } = store;
     return serializeBigInt(mapStoreCompat({
-      ...store,
+      ...rest,
+      visibilityWhitelistEnabled: store.visibilityWhitelistEnabled,
+      visibilityPhones: visibilityPhones.map((p) => p.phone),
+      partner: store.partnerAccount,
       account: store.bindings[0]?.storeAccount ?? null,
       /** 门店端登录手机号（store_account.phone），与 store.phone 应对齐 */
       loginPhone: store.bindings[0]?.storeAccount?.phone ?? store.phone,
@@ -235,6 +262,26 @@ export class AdminStoresService {
     }
 
     const normalizedPhone = dto.phone !== undefined ? dto.phone.trim() : undefined;
+    if (dto.visibilityWhitelistEnabled !== undefined || dto.visibilityPhones !== undefined) {
+      const nextEnabled =
+        dto.visibilityWhitelistEnabled !== undefined
+          ? !!dto.visibilityWhitelistEnabled
+          : current.visibilityWhitelistEnabled;
+      if (nextEnabled) {
+        const phones =
+          dto.visibilityPhones !== undefined
+            ? normalizeVisibilityPhones(dto.visibilityPhones)
+            : (
+                await this.prisma.storeVisibilityPhone.findMany({
+                  where: { storeId: id },
+                  select: { phone: true },
+                })
+              ).map((p) => p.phone);
+        if (!phones.length) {
+          throw new BadRequestException('开启白名单时请至少添加一个手机号');
+        }
+      }
+    }
     const bankTouched =
       dto.bankAccountName !== undefined ||
       dto.bankAccountNo !== undefined ||
@@ -307,10 +354,23 @@ export class AdminStoresService {
           ...(dto.openTime2 !== undefined ? { openTime2: dto.openTime2 || null } : {}),
           ...(dto.closeTime2 !== undefined ? { closeTime2: dto.closeTime2 || null } : {}),
           ...(dto.avgPrice !== undefined ? { avgPrice: dto.avgPrice } : {}),
+          ...(dto.visibilityWhitelistEnabled !== undefined
+            ? { visibilityWhitelistEnabled: !!dto.visibilityWhitelistEnabled }
+            : {}),
           ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         },
       });
 
+      if (dto.visibilityPhones !== undefined) {
+        const phones = normalizeVisibilityPhones(dto.visibilityPhones);
+        await tx.storeVisibilityPhone.deleteMany({ where: { storeId: id } });
+        if (phones.length) {
+          await tx.storeVisibilityPhone.createMany({
+            data: phones.map((phone) => ({ storeId: id, phone })),
+          });
+        }
+      }
+
       if (dto.coverUrl) {
         if (current.coverResourceId) {
           await tx.commonResource.update({
@@ -430,6 +490,12 @@ export class AdminStoresService {
       throw new BadRequestException('好客权益券使用规则最多 1000 字');
     }
 
+    const visibilityPhones = normalizeVisibilityPhones(dto.visibilityPhones);
+    const whitelistEnabled = !!dto.visibilityWhitelistEnabled;
+    if (whitelistEnabled && !visibilityPhones.length) {
+      throw new BadRequestException('开启白名单时请至少添加一个手机号');
+    }
+
     const store = await this.prisma.store.create({
       data: {
         cityId: city.id,
@@ -449,11 +515,19 @@ export class AdminStoresService {
         closeTime,
         openTime2: openTime2 || null,
         closeTime2: closeTime2 || null,
+        visibilityWhitelistEnabled: whitelistEnabled,
         ...(latitude != null && longitude != null ? { latitude, longitude } : {}),
         status: 'OPEN',
         auditStatus: 'APPROVED',
         auditedAt: new Date(),
         rejectReason: null,
+        ...(visibilityPhones.length
+          ? {
+              visibilityPhones: {
+                create: visibilityPhones.map((phone) => ({ phone })),
+              },
+            }
+          : {}),
       },
     });
 

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

@@ -127,6 +127,17 @@ export class CreateStoreDto {
   @IsNumber()
   @Min(0)
   avgPrice?: number;
+
+  /** 开启后仅白名单手机号在 C 端可见 */
+  @IsOptional()
+  @IsBoolean()
+  visibilityWhitelistEnabled?: boolean;
+
+  /** 可见白名单手机号列表 */
+  @IsOptional()
+  @IsArray()
+  @IsString({ each: true })
+  visibilityPhones?: string[];
 }
 
 export class UpdateStoreDto {
@@ -215,6 +226,17 @@ export class UpdateStoreDto {
   @IsOptional()
   @IsString()
   bankBranch?: string | null;
+
+  /** 开启后仅白名单手机号在 C 端可见 */
+  @IsOptional()
+  @IsBoolean()
+  visibilityWhitelistEnabled?: boolean;
+
+  /** 可见白名单手机号列表 */
+  @IsOptional()
+  @IsArray()
+  @IsString({ each: true })
+  visibilityPhones?: string[];
 }
 
 export class CreateStoreAccountDto {

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

@@ -242,6 +242,11 @@ export class AdminRedeemRecordsQueryDto extends PaginationQueryDto {
   @IsOptional()
   @IsString()
   userId?: string;
+
+  /** SCAN | PHONE */
+  @IsOptional()
+  @IsString()
+  channel?: string;
 }
 
 export class AdminStoreRatingsQueryDto extends PaginationQueryDto {

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

@@ -96,6 +96,16 @@ export class ShopRedeemController {
     );
   }
 
+  @Get('stats')
+  stats(
+    @CurrentUser() user: AuthUser,
+    @Query('range') range?: string,
+  ) {
+    const normalized =
+      range === '7d' || range === '30d' || range === 'today' ? range : 'today';
+    return this.redeemService.getShopRedeemStats(user.actorId, user.storeId!, normalized);
+  }
+
   @Post('phone/send-lookup-sms')
   sendPhoneLookupSms(@CurrentUser() user: AuthUser, @Body() body: RedeemPhoneSendLookupSmsDto) {
     return this.redeemService.sendPhoneLookupSms(user.actorId, user.storeId!, body.phone);

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

@@ -38,6 +38,15 @@ type TokenPayload = {
   allocations?: Array<{ couponId: string; amount: number }>;
 };
 
+/** C 端公示：用户138****5678 / 用户*** */
+function maskRedeemUserLabel(phone?: string | null): string {
+  const digits = String(phone || '').replace(/\D/g, '');
+  if (digits.length >= 7) {
+    return `用户${digits.slice(0, 3)}****${digits.slice(-4)}`;
+  }
+  return '用户***';
+}
+
 type PendingSnapshot = TokenPayload & {
   redeemType: 'DIRECT' | 'COUPON';
 };
@@ -169,6 +178,7 @@ export class RedeemService {
   ) {
     const settlementRate = Number(account.store.settlementRate);
     const settleAmount = calcRedeemSettleAmount(amount, settlementRate);
+    const redeemChannel = analyticsExtra?.channel === 'phone' ? 'PHONE' : 'SCAN';
 
     let record;
     try {
@@ -183,6 +193,7 @@ export class RedeemService {
             storeId: account.storeId,
             amount,
             settleAmount,
+            channel: redeemChannel,
             allocations: {
               create: normalizedAllocations.map((item, index) => ({
                 couponId: BigInt(item.couponId),
@@ -1070,6 +1081,51 @@ export class RedeemService {
     return { list: serializeBigInt(list), total, page, pageSize };
   }
 
+  async getShopRedeemStats(
+    storeAccountId: bigint,
+    storeId: bigint,
+    range: 'today' | '7d' | '30d' = 'today',
+  ) {
+    await this.prisma.storeAccountStore.findUniqueOrThrow({
+      where: { storeAccountId_storeId: { storeAccountId, storeId } },
+    });
+    const start = new Date();
+    start.setHours(0, 0, 0, 0);
+    if (range === '7d') start.setDate(start.getDate() - 6);
+    if (range === '30d') start.setDate(start.getDate() - 29);
+
+    const records = await this.prisma.redeemRecord.findMany({
+      where: { storeId, createdAt: { gte: start } },
+      select: { channel: true, amount: true, settleAmount: true },
+    });
+
+    const buckets: Record<'SCAN' | 'PHONE', { count: number; amount: number; settleAmount: number }> = {
+      SCAN: { count: 0, amount: 0, settleAmount: 0 },
+      PHONE: { count: 0, amount: 0, settleAmount: 0 },
+    };
+    for (const r of records) {
+      const key = r.channel === 'PHONE' ? 'PHONE' : 'SCAN';
+      buckets[key].count += 1;
+      buckets[key].amount += Number(r.amount);
+      buckets[key].settleAmount += Number(r.settleAmount);
+    }
+
+    const byChannel = (['SCAN', 'PHONE'] as const).map((channel) => ({
+      channel,
+      count: buckets[channel].count,
+      amount: Number(buckets[channel].amount.toFixed(2)),
+      settleAmount: Number(buckets[channel].settleAmount.toFixed(2)),
+    }));
+
+    return {
+      range,
+      totalCount: records.length,
+      totalAmount: Number(byChannel.reduce((s, b) => s + b.amount, 0).toFixed(2)),
+      totalSettleAmount: Number(byChannel.reduce((s, b) => s + b.settleAmount, 0).toFixed(2)),
+      byChannel,
+    };
+  }
+
   async getShopDashboard(storeAccountId: bigint, storeId: bigint) {
     const binding = await this.prisma.storeAccountStore.findUniqueOrThrow({
       where: { storeAccountId_storeId: { storeAccountId, storeId } },
@@ -1082,6 +1138,8 @@ export class RedeemService {
     });
     const todayCount = records.length;
     const todayAmount = records.reduce((sum, r) => sum + Number(r.amount), 0);
+    const todayScanCount = records.filter((r) => r.channel !== 'PHONE').length;
+    const todayPhoneCount = records.filter((r) => r.channel === 'PHONE').length;
     const recent = await this.prisma.redeemRecord.findMany({
       where: { storeId },
       orderBy: { createdAt: 'desc' },
@@ -1091,6 +1149,8 @@ export class RedeemService {
       store: binding.store,
       todayCount,
       todayAmount,
+      todayScanCount,
+      todayPhoneCount,
       recentRecords: recent,
     });
   }
@@ -1131,6 +1191,51 @@ export class RedeemService {
     };
   }
 
+  /** C 端门店详情走马灯：脱敏用户 + 时间 + 金额 */
+  async listPublicStoreRecentRedeems(storeId: bigint, limit = 20) {
+    const take = Math.min(Math.max(limit, 1), 50);
+    const list = await this.prisma.redeemRecord.findMany({
+      where: { storeId },
+      orderBy: { createdAt: 'desc' },
+      take,
+      include: { user: { select: { phone: true } } },
+    });
+
+    const fmtAmount = (n: number) => {
+      if (!Number.isFinite(n)) return '0';
+      if (Math.abs(n - Math.round(n)) < 1e-9) return String(Math.round(n));
+      return n.toFixed(2).replace(/\.?0+$/, '');
+    };
+    const fmtTime = (d: Date) => {
+      const parts = new Intl.DateTimeFormat('en-CA', {
+        timeZone: 'Asia/Shanghai',
+        year: 'numeric',
+        month: '2-digit',
+        day: '2-digit',
+        hour: '2-digit',
+        minute: '2-digit',
+        second: '2-digit',
+        hour12: false,
+      }).formatToParts(d);
+      const get = (type: Intl.DateTimeFormatPartTypes) =>
+        parts.find((p) => p.type === type)?.value ?? '';
+      return `${get('year')}-${get('month')}-${get('day')} ${get('hour')}:${get('minute')}:${get('second')}`;
+    };
+
+    return list.map((r) => {
+      const userLabel = maskRedeemUserLabel(r.user?.phone);
+      const amount = Number(r.amount);
+      const createdAt = fmtTime(r.createdAt);
+      return {
+        userLabel,
+        amount,
+        createdAt,
+        /** 前端可直接展示 */
+        text: `${userLabel} ${createdAt} 核销${fmtAmount(amount)}元`,
+      };
+    });
+  }
+
   async submitRating(userId: bigint, body: { redeemRecordId: string; serviceScore: number; envScore: number }) {
     const record = await this.prisma.redeemRecord.findFirst({
       where: { id: BigInt(body.redeemRecordId), userId },

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

@@ -5,6 +5,7 @@ import { SettlementService } from './settlement.service';
 import { JwtAuthGuard, AuthUser } from '../../common/guards/jwt-auth.guard';
 import { PartnerPrimaryGuard } from '../../common/guards/partner-primary.guard';
 import { ShopStoreGuard } from '../../common/guards/shop-store.guard';
+import { ShopPrimaryGuard } from '../../common/guards/shop-primary.guard';
 import { CurrentUser } from '../../common/decorators/current-user.decorator';
 import { HqAuthGuard } from '../../common/guards/hq-auth.guard';
 import { HqOperation } from '../../common/hq-operation/hq-operation.decorator';
@@ -59,6 +60,98 @@ export class ShopPayoutController {
   }
 }
 
+@Controller('shop/withdraw')
+@UseGuards(JwtAuthGuard, ShopStoreGuard)
+export class ShopWithdrawController {
+  constructor(private readonly settlementService: SettlementService) {}
+
+  @Get('summary')
+  summary(@CurrentUser() user: AuthUser) {
+    return this.settlementService.getShopWithdrawSummary(user.actorId, user.storeId!);
+  }
+
+  @Get('requests')
+  requests(
+    @CurrentUser() user: AuthUser,
+    @Query('page') page = '1',
+    @Query('pageSize') pageSize = '20',
+    @Query('status') status?: string,
+  ) {
+    return this.settlementService.listShopWithdrawRequests(user.actorId, user.storeId!, {
+      page: Number(page),
+      pageSize: Number(pageSize),
+      status,
+    });
+  }
+
+  @Post()
+  @UseGuards(ShopPrimaryGuard)
+  apply(@CurrentUser() user: AuthUser, @Body() body: { amount?: number }) {
+    return this.settlementService.createStoreWithdrawRequest(user.actorId, user.storeId!, body);
+  }
+}
+
+@Controller('admin/store-withdrawals')
+@UseGuards(HqAuthGuard)
+export class AdminStoreWithdrawController {
+  constructor(private readonly settlementService: SettlementService) {}
+
+  @Get('overdue-summary')
+  overdueSummary() {
+    return this.settlementService.getStoreWithdrawOverdueSummary();
+  }
+
+  @Get()
+  list(@Query() query: Record<string, string>) {
+    return this.settlementService.listAdminStoreWithdrawals({
+      page: query.page ? Number(query.page) : 1,
+      pageSize: query.pageSize ? Number(query.pageSize) : 20,
+      status: query.status,
+      storeId: query.storeId,
+      dateFrom: query.dateFrom,
+      dateTo: query.dateTo,
+    });
+  }
+
+  @Get(':id')
+  detail(@Param('id') id: string) {
+    return this.settlementService.getAdminStoreWithdrawal(BigInt(id));
+  }
+
+  @Post(':id/approve')
+  @HqOperation({
+    action: HqOperationAction.STORE_WITHDRAW_APPROVE,
+    refType: 'STORE_WITHDRAW',
+    refIdParam: 'id',
+    includeBody: true,
+  })
+  approve(
+    @CurrentUser() user: AuthUser,
+    @Param('id') id: string,
+    @Body() body: { paymentRef?: string },
+  ) {
+    return this.settlementService.approveStoreWithdraw(BigInt(id), user.actorId, body);
+  }
+
+  @Post(':id/reject')
+  @HqOperation({
+    action: HqOperationAction.STORE_WITHDRAW_REJECT,
+    refType: 'STORE_WITHDRAW',
+    refIdParam: 'id',
+    includeBody: true,
+  })
+  reject(
+    @CurrentUser() user: AuthUser,
+    @Param('id') id: string,
+    @Body() body: { reason?: string },
+  ) {
+    if (!body?.reason?.trim()) {
+      throw new BadRequestException('请填写驳回理由');
+    }
+    return this.settlementService.rejectStoreWithdraw(BigInt(id), user.actorId, body.reason);
+  }
+}
+
 @Controller('admin/store-payouts')
 @UseGuards(HqAuthGuard)
 export class AdminStorePayoutController {
@@ -131,6 +224,25 @@ export class AdminStorePayoutController {
   }
 }
 
+@Controller('admin/store-settlements')
+@UseGuards(HqAuthGuard)
+export class AdminStoreSettlementController {
+  constructor(private readonly settlementService: SettlementService) {}
+
+  @Get()
+  list(@Query() query: Record<string, string>) {
+    return this.settlementService.listAdminStoreSettlements({
+      page: query.page ? Number(query.page) : 1,
+      pageSize: query.pageSize ? Number(query.pageSize) : 20,
+      kind: query.kind,
+      status: query.status,
+      storeId: query.storeId,
+      dateFrom: query.dateFrom,
+      dateTo: query.dateTo,
+    });
+  }
+}
+
 @Controller('admin/store-bills')
 @UseGuards(HqAuthGuard)
 export class AdminStoreBillController {

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

@@ -9,10 +9,13 @@ import {
   AdminPartnerBillController,
   AdminStoreBillController,
   AdminStorePayoutController,
+  AdminStoreSettlementController,
+  AdminStoreWithdrawController,
   AdminWineryBillController,
   PartnerMeController,
   SettlementController,
   ShopPayoutController,
+  ShopWithdrawController,
 } from './settlement.controller';
 
 @Module({
@@ -21,7 +24,10 @@ import {
     SettlementController,
     PartnerMeController,
     ShopPayoutController,
+    ShopWithdrawController,
+    AdminStoreWithdrawController,
     AdminStorePayoutController,
+    AdminStoreSettlementController,
     AdminStoreBillController,
     AdminPartnerBillController,
     AdminWineryBillController,

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

@@ -1,9 +1,20 @@
 import { BadRequestException, Injectable, NotFoundException } from '@nestjs/common';
 import { Prisma } from '@prisma/client';
-import { DEFAULT_XFX_LOGISTICS_PRICING, WINERY_SETTLEMENT_RATE } from '@dukang/shared-types';
-import { calcLogisticsFeeByBottles, type LogisticsPricingRule } from '@dukang/domain';
+import {
+  DEFAULT_STORE_WITHDRAW_DAILY_LIMIT,
+  DEFAULT_XFX_LOGISTICS_PRICING,
+  WINERY_SETTLEMENT_RATE,
+} from '@dukang/shared-types';
+import {
+  calcLogisticsFeeByBottles,
+  pickPayoutsForWithdrawAmount,
+  sumUnbilledPayoutAmount,
+  validateStoreWithdraw,
+  type LogisticsPricingRule,
+} 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';
@@ -33,6 +44,28 @@ function round2(n: number) {
   return Math.round(n * 100) / 100;
 }
 
+function getStoreWithdrawDailyLimit(): number {
+  const raw = process.env.STORE_WITHDRAW_DAILY_LIMIT;
+  const n = raw != null && raw !== '' ? Number(raw) : DEFAULT_STORE_WITHDRAW_DAILY_LIMIT;
+  return Number.isFinite(n) && n > 0 ? n : DEFAULT_STORE_WITHDRAW_DAILY_LIMIT;
+}
+
+/** 工作日 18:00 前未审完视为 FIN-003 超时（Asia/Shanghai 自然日） */
+function isWithdrawOverdue(appliedAt: Date, now = new Date()): boolean {
+  const day = appliedAt.getDay(); // 0 Sun … 6 Sat
+  if (day === 0 || day === 6) return false;
+  const deadline = new Date(
+    appliedAt.getFullYear(),
+    appliedAt.getMonth(),
+    appliedAt.getDate(),
+    18,
+    0,
+    0,
+    0,
+  );
+  return now.getTime() > deadline.getTime();
+}
+
 @Injectable()
 export class SettlementService {
   constructor(
@@ -40,6 +73,7 @@ export class SettlementService {
     private readonly analyticsService: AnalyticsService,
     private readonly partnerCityService: PartnerCityService,
     private readonly fulfillmentProviderService: FulfillmentProviderService,
+    private readonly alert: AlertService,
   ) {}
 
   // ─── Store payout (line) ─────────────────────────────
@@ -99,6 +133,476 @@ export class SettlementService {
     return serializeBigInt({ items, total, page, pageSize });
   }
 
+  // ─── Store withdraw (未出账手动提现) ─────────────────
+
+  private async assertShopStoreAccess(storeAccountId: bigint, storeId: bigint) {
+    await this.prisma.storeAccountStore.findUniqueOrThrow({
+      where: { storeAccountId_storeId: { storeAccountId, storeId } },
+    });
+  }
+
+  private async listAvailableUnbilledPayouts(storeId: bigint) {
+    return this.prisma.storePayout.findMany({
+      where: {
+        storeId,
+        status: 'PENDING',
+        storeBillId: null,
+        withdrawItem: null,
+      },
+      orderBy: [{ createdAt: 'asc' }, { id: 'asc' }],
+    });
+  }
+
+  private async todayWithdrawAppliedAmount(storeId: bigint, now = new Date()) {
+    const start = startOfDay(now);
+    const end = new Date(start);
+    end.setDate(end.getDate() + 1);
+    const agg = await this.prisma.storeWithdrawRequest.aggregate({
+      where: {
+        storeId,
+        status: { in: ['PENDING_REVIEW', 'PAID'] },
+        appliedAt: { gte: start, lt: end },
+      },
+      _sum: { amount: true },
+    });
+    return Number(agg._sum.amount ?? 0);
+  }
+
+  async getShopWithdrawSummary(storeAccountId: bigint, storeId: bigint) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+    const [account, available, pending, todayApplied] = await Promise.all([
+      this.prisma.storeAccount.findUniqueOrThrow({
+        where: { id: storeAccountId },
+        select: {
+          isPrimary: true,
+          bankAccountName: true,
+          bankAccountNo: true,
+          bankBranch: true,
+        },
+      }),
+      this.listAvailableUnbilledPayouts(storeId),
+      this.prisma.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true, amount: true },
+      }),
+      this.todayWithdrawAppliedAmount(storeId),
+    ]);
+
+    const availableAmount = sumUnbilledPayoutAmount(
+      available.map((p) => ({ payoutAmount: Number(p.payoutAmount) })),
+    );
+    const dailyLimit = getStoreWithdrawDailyLimit();
+    const hasBankAccount = !!(
+      account.bankAccountName?.trim() &&
+      account.bankAccountNo?.trim()
+    );
+
+    return {
+      availableAmount,
+      pendingReviewAmount: pending ? Number(pending.amount) : 0,
+      todayAppliedAmount: todayApplied,
+      dailyLimit,
+      remainingDailyLimit: Math.max(0, round2(dailyLimit - todayApplied)),
+      isPrimary: account.isPrimary === 1,
+      hasBankAccount,
+      hasPendingRequest: !!pending,
+      bankAccount: {
+        bankAccountName: account.bankAccountName,
+        bankAccountNo: account.bankAccountNo,
+        bankBranch: account.bankBranch,
+      },
+    };
+  }
+
+  async createStoreWithdrawRequest(
+    storeAccountId: bigint,
+    storeId: bigint,
+    dto?: { amount?: number },
+  ) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+
+    const [store, account, available, pending, todayApplied] = await Promise.all([
+      this.prisma.store.findUniqueOrThrow({
+        where: { id: storeId },
+        select: { id: true, name: true, phone: true, cityName: true },
+      }),
+      this.prisma.storeAccount.findUniqueOrThrow({
+        where: { id: storeAccountId },
+        select: {
+          isPrimary: true,
+          bankAccountName: true,
+          bankAccountNo: true,
+        },
+      }),
+      this.listAvailableUnbilledPayouts(storeId),
+      this.prisma.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true },
+      }),
+      this.todayWithdrawAppliedAmount(storeId),
+    ]);
+
+    if (account.isPrimary !== 1) {
+      throw new BadRequestException('仅门店主账号可申请提现');
+    }
+
+    const availableAmount = sumUnbilledPayoutAmount(
+      available.map((p) => ({ payoutAmount: Number(p.payoutAmount) })),
+    );
+    const dailyLimit = getStoreWithdrawDailyLimit();
+    const hasBankAccount = !!(
+      account.bankAccountName?.trim() &&
+      account.bankAccountNo?.trim()
+    );
+    const requestAmount =
+      dto?.amount != null && Number.isFinite(Number(dto.amount))
+        ? round2(Number(dto.amount))
+        : availableAmount;
+
+    const guard = validateStoreWithdraw({
+      availableAmount,
+      requestAmount,
+      todayApplied,
+      dailyLimit,
+      hasPendingRequest: !!pending,
+      hasBankAccount,
+    });
+    if (!guard.ok) throw new BadRequestException(guard.message);
+
+    const picked = pickPayoutsForWithdrawAmount(
+      available.map((p) => ({ id: p.id, payoutAmount: Number(p.payoutAmount) })),
+      requestAmount,
+    );
+    if (!picked.ok) throw new BadRequestException(picked.message);
+
+    const created = await this.prisma.$transaction(async (tx) => {
+      const stillPending = await tx.storeWithdrawRequest.findFirst({
+        where: { storeId, status: 'PENDING_REVIEW' },
+        select: { id: true },
+      });
+      if (stillPending) {
+        throw new BadRequestException('已有待审核提现申请，请等待处理完成');
+      }
+
+      const payoutIds = picked.selected.map((p) => p.id);
+      const locked = await tx.storePayout.findMany({
+        where: {
+          id: { in: payoutIds },
+          storeId,
+          status: 'PENDING',
+          storeBillId: null,
+          withdrawItem: null,
+        },
+        select: { id: true, payoutAmount: true },
+      });
+      if (locked.length !== payoutIds.length) {
+        throw new BadRequestException('可提余额已变化，请刷新后重试');
+      }
+      const amount = round2(locked.reduce((s, p) => s + Number(p.payoutAmount), 0));
+
+      const req = await tx.storeWithdrawRequest.create({
+        data: {
+          withdrawNo: generateBillNo('SW'),
+          storeId,
+          storeAccountId,
+          amount,
+          payoutCount: locked.length,
+          status: 'PENDING_REVIEW',
+        },
+      });
+      await tx.storeWithdrawPayoutItem.createMany({
+        data: locked.map((p) => ({
+          withdrawRequestId: req.id,
+          storePayoutId: p.id,
+        })),
+      });
+      return req;
+    });
+
+    this.analyticsService.trackStoreOneSafe(storeAccountId, 'SHOP_H5', {
+      storeId,
+      eventName: 'store_withdraw_applied',
+      refType: 'STORE_WITHDRAW',
+      refId: created.id,
+      extraJson: {
+        amount: Number(created.amount),
+        payoutCount: created.payoutCount,
+      },
+    });
+
+    this.alert.notify({
+      level: 'P1',
+      category: 'finance',
+      title: '门店提现待审',
+      detail: [
+        `门店：${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 → 门店账单（手动提现）」处理。',
+      ].join('\n'),
+      dedupeKey: `store_withdraw_applied|${created.id.toString()}`,
+      dedupeTtlSec: 3600,
+    });
+
+    return serializeBigInt(created);
+  }
+
+  async listShopWithdrawRequests(
+    storeAccountId: bigint,
+    storeId: bigint,
+    query: { page?: number; pageSize?: number; status?: string },
+  ) {
+    await this.assertShopStoreAccess(storeAccountId, storeId);
+    const page = query.page ?? 1;
+    const pageSize = query.pageSize ?? 20;
+    const where: Prisma.StoreWithdrawRequestWhereInput = { storeId };
+    if (query.status) {
+      where.status = query.status as 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+    }
+    const [items, total] = await Promise.all([
+      this.prisma.storeWithdrawRequest.findMany({
+        where,
+        orderBy: { appliedAt: 'desc' },
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+      }),
+      this.prisma.storeWithdrawRequest.count({ where }),
+    ]);
+    return serializeBigInt({ items, total, page, pageSize });
+  }
+
+  async listAdminStoreWithdrawals(query: {
+    page?: number;
+    pageSize?: number;
+    status?: string;
+    storeId?: string;
+    dateFrom?: string;
+    dateTo?: string;
+  }) {
+    const page = query.page ?? 1;
+    const pageSize = query.pageSize ?? 20;
+    const where: Prisma.StoreWithdrawRequestWhereInput = {};
+    if (query.status) {
+      where.status = query.status as 'PENDING_REVIEW' | 'REJECTED' | 'PAID';
+    }
+    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;
+      }
+    }
+
+    const [items, total, aggregates] = await Promise.all([
+      this.prisma.storeWithdrawRequest.findMany({
+        where,
+        orderBy: [{ appliedAt: 'desc' }, { id: 'desc' }],
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+        include: {
+          store: { select: { id: true, name: true, cityName: true, phone: true } },
+        },
+      }),
+      this.prisma.storeWithdrawRequest.count({ where }),
+      this.prisma.storeWithdrawRequest.aggregate({
+        where,
+        _sum: { amount: true },
+        _count: true,
+      }),
+    ]);
+
+    const now = new Date();
+    const mapped = items.map((row) => ({
+      ...row,
+      overdue:
+        row.status === 'PENDING_REVIEW' ? isWithdrawOverdue(row.appliedAt, now) : false,
+    }));
+
+    return serializeBigInt({
+      items: mapped,
+      total,
+      page,
+      pageSize,
+      summary: {
+        count: aggregates._count,
+        totalAmount: Number(aggregates._sum.amount ?? 0),
+      },
+    });
+  }
+
+  async getAdminStoreWithdrawal(id: bigint) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+      include: {
+        store: {
+          select: {
+            id: true,
+            name: true,
+            cityName: true,
+            phone: true,
+          },
+        },
+        storeAccount: {
+          select: {
+            id: true,
+            name: true,
+            phone: true,
+            bankAccountName: true,
+            bankAccountNo: true,
+            bankBranch: true,
+          },
+        },
+        items: {
+          include: {
+            storePayout: {
+              include: {
+                redeemRecord: { select: { redeemNo: true, amount: true, createdAt: true } },
+              },
+            },
+          },
+        },
+      },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    return serializeBigInt({
+      ...row,
+      overdue:
+        row.status === 'PENDING_REVIEW' ? isWithdrawOverdue(row.appliedAt) : false,
+    });
+  }
+
+  async approveStoreWithdraw(
+    id: bigint,
+    hqAccountId: bigint,
+    dto?: { paymentRef?: string },
+  ) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+      include: { items: { select: { storePayoutId: true } } },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    if (row.status !== 'PENDING_REVIEW') {
+      throw new BadRequestException('仅待审核提现可审核通过');
+    }
+
+    const paidAt = new Date();
+    const updated = await this.prisma.$transaction(async (tx) => {
+      const req = await tx.storeWithdrawRequest.update({
+        where: { id },
+        data: {
+          status: 'PAID',
+          reviewedAt: paidAt,
+          reviewedByHqId: hqAccountId,
+          paidAt,
+          paymentRef: dto?.paymentRef?.trim() || null,
+        },
+      });
+      await tx.storePayout.updateMany({
+        where: {
+          id: { in: row.items.map((i) => i.storePayoutId) },
+          status: 'PENDING',
+        },
+        data: { status: 'PAID', paidAt },
+      });
+      return req;
+    });
+
+    this.analyticsService.trackStoreOneSafe(undefined, 'HQ_WEB', {
+      storeId: row.storeId,
+      eventName: 'store_withdraw_paid',
+      refType: 'STORE_WITHDRAW',
+      refId: id,
+      extraJson: {
+        amount: Number(row.amount),
+        paymentRef: dto?.paymentRef,
+      },
+    });
+
+    return serializeBigInt(updated);
+  }
+
+  async rejectStoreWithdraw(id: bigint, hqAccountId: bigint, reason: string) {
+    const row = await this.prisma.storeWithdrawRequest.findUnique({
+      where: { id },
+    });
+    if (!row) throw new NotFoundException('提现申请不存在');
+    if (row.status !== 'PENDING_REVIEW') {
+      throw new BadRequestException('仅待审核提现可驳回');
+    }
+    const rejectReason = reason.trim();
+    if (!rejectReason) throw new BadRequestException('请填写驳回理由');
+
+    const updated = await this.prisma.$transaction(async (tx) => {
+      const req = await tx.storeWithdrawRequest.update({
+        where: { id },
+        data: {
+          status: 'REJECTED',
+          rejectReason,
+          reviewedAt: new Date(),
+          reviewedByHqId: hqAccountId,
+        },
+      });
+      // 释放 payout 锁定，允许再次提现
+      await tx.storeWithdrawPayoutItem.deleteMany({ where: { withdrawRequestId: id } });
+      return req;
+    });
+
+    return serializeBigInt(updated);
+  }
+
+  async getStoreWithdrawOverdueSummary() {
+    const pending = await this.prisma.storeWithdrawRequest.findMany({
+      where: { status: 'PENDING_REVIEW' },
+      select: { id: true, appliedAt: true, amount: true },
+    });
+    const now = new Date();
+    const overdue = pending.filter((r) => isWithdrawOverdue(r.appliedAt, now));
+    return {
+      pendingCount: pending.length,
+      overdueCount: overdue.length,
+      overdueAmount: round2(overdue.reduce((s, r) => s + Number(r.amount), 0)),
+      pendingAmount: round2(pending.reduce((s, r) => s + Number(r.amount), 0)),
+    };
+  }
+
+  /** 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 → 门店账单（手动提现）」处理。',
+        ].join('\n'),
+        dedupeKey: `store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+        dedupeTtlSec: 6 * 3600,
+      });
+    }
+    return summary;
+  }
+
   async listAdminStorePayouts(query: {
     page?: number;
     pageSize?: number;
@@ -277,6 +781,9 @@ export class SettlementService {
       where: {
         storeBillId: null,
         createdAt: { gte: start, lt: end },
+        // 排除已锁定在待审提现单中的明细，避免出账与提现双占
+        withdrawItem: null,
+        status: 'PENDING',
       },
       include: { store: { select: { id: true, settlementRate: true } } },
     });
@@ -350,6 +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;

server/dukang-api/src/modules/store/store.controller.ts

@@ -3,6 +3,7 @@ import { StoreService } from './store.service';
 import { StoreCategoryService } from './store-category.service';
 import { RedeemService } from '../redeem/redeem.service';
 import { JwtAuthGuard, AuthUser } from '../../common/guards/jwt-auth.guard';
+import { OptionalJwtAuthGuard } from '../../common/guards/optional-jwt-auth.guard';
 import { PartnerPrimaryGuard } from '../../common/guards/partner-primary.guard';
 import { RequirePartnerPermissions } from '../../common/decorators/partner-permission.decorator';
 import { PartnerPermissionGuard } from '../../common/guards/partner-permission.guard';
@@ -11,22 +12,53 @@ import { CurrentUser } from '../../common/decorators/current-user.decorator';
 
 @Controller('stores')
 export class PublicStoreController {
-  constructor(private readonly storeService: StoreService) {}
+  constructor(
+    private readonly storeService: StoreService,
+    private readonly redeemService: RedeemService,
+  ) {}
 
   @Get()
-  list(
+  @UseGuards(OptionalJwtAuthGuard)
+  async list(
+    @CurrentUser() user: AuthUser | undefined,
     @Query('cityCode') cityCode?: string,
     @Query('lat') lat?: string,
     @Query('lng') lng?: string,
   ) {
     const userLat = lat != null && lat !== '' ? Number(lat) : undefined;
     const userLng = lng != null && lng !== '' ? Number(lng) : undefined;
-    return this.storeService.listOpenStores(cityCode, userLat, userLng);
+    const viewerPhone = await this.resolveViewerPhone(user);
+    return this.storeService.listOpenStores(cityCode, userLat, userLng, { phone: viewerPhone });
+  }
+
+  @Get(':id/recent-redeems')
+  @UseGuards(OptionalJwtAuthGuard)
+  async recentRedeems(
+    @CurrentUser() user: AuthUser | undefined,
+    @Param('id') id: string,
+    @Query('limit') limit?: string,
+  ) {
+    const viewerPhone = await this.resolveViewerPhone(user);
+    // 与详情同权：白名单门店对不可见用户返回空（不泄露存在核销）
+    try {
+      await this.storeService.getStore(BigInt(id), { phone: viewerPhone });
+    } catch {
+      return [];
+    }
+    const n = limit != null && limit !== '' ? Number(limit) : 20;
+    return this.redeemService.listPublicStoreRecentRedeems(BigInt(id), Number.isFinite(n) ? n : 20);
   }
 
   @Get(':id')
-  detail(@Param('id') id: string) {
-    return this.storeService.getStore(BigInt(id));
+  @UseGuards(OptionalJwtAuthGuard)
+  async detail(@CurrentUser() user: AuthUser | undefined, @Param('id') id: string) {
+    const viewerPhone = await this.resolveViewerPhone(user);
+    return this.storeService.getStore(BigInt(id), { phone: viewerPhone });
+  }
+
+  private async resolveViewerPhone(user?: AuthUser) {
+    if (!user || user.actorType !== 'USER') return null;
+    return this.storeService.resolveUserPhone(user.actorId);
   }
 }
 

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

@@ -36,6 +36,17 @@ function normalizeOptionalTextField(value: unknown): string | null {
   return s;
 }
 
+export type StoreViewer = {
+  /** C 端用户手机号；无则无法看到白名单门店 */
+  phone?: string | null;
+  /** 运营/代下单等场景跳过白名单 */
+  bypassWhitelist?: boolean;
+};
+
+function normalizePhone(phone: string | null | undefined): string {
+  return (phone || '').replace(/\D/g, '').trim();
+}
+
 function parseOptionalCoord(value: unknown, kind: 'lat' | 'lng' = 'lng'): number | null {
   if (value == null || value === '') return null;
   const n = typeof value === 'number' ? value : Number(value);
@@ -96,7 +107,34 @@ export class StoreService {
     return { latitude: geo.latitude, longitude: geo.longitude };
   }
 
-  async listOpenStores(cityCode?: string, userLat?: number, userLng?: number) {
+  async resolveUserPhone(userId: bigint): Promise<string | null> {
+    const user = await this.prisma.user.findUnique({
+      where: { id: userId },
+      select: { phone: true },
+    });
+    return user?.phone ?? null;
+  }
+
+  isVisibleToViewer(
+    store: {
+      visibilityWhitelistEnabled: boolean;
+      visibilityPhones: Array<{ phone: string }>;
+    },
+    viewer?: StoreViewer,
+  ): boolean {
+    if (viewer?.bypassWhitelist) return true;
+    if (!store.visibilityWhitelistEnabled) return true;
+    const phone = normalizePhone(viewer?.phone);
+    if (!phone) return false;
+    return store.visibilityPhones.some((row) => normalizePhone(row.phone) === phone);
+  }
+
+  async listOpenStores(
+    cityCode?: string,
+    userLat?: number,
+    userLng?: number,
+    viewer?: StoreViewer,
+  ) {
     const where: Record<string, unknown> = { status: 'OPEN' };
     if (cityCode) {
       const city = await this.prisma.commonCity.findFirst({ where: { code: cityCode } });
@@ -104,10 +142,16 @@ export class StoreService {
     }
     const stores = await this.prisma.store.findMany({
       where: where as never,
-      include: { category: true, coverResource: true },
+      include: {
+        category: true,
+        coverResource: true,
+        visibilityPhones: { select: { phone: true } },
+      },
       orderBy: { createdAt: 'desc' },
     });
 
+    const visible = stores.filter((s) => this.isVisibleToViewer(s, viewer));
+
     const hasUser =
       userLat != null &&
       userLng != null &&
@@ -121,10 +165,11 @@ export class StoreService {
     };
 
     const items: StoreListItem[] = [];
-    for (const store of stores) {
+    for (const store of visible) {
       const coords = await this.ensureStoreCoordinates(store);
+      const { visibilityPhones: _phones, visibilityWhitelistEnabled: _wl, ...rest } = store;
       const mapped = mapStoreCompat({
-        ...store,
+        ...rest,
         latitude: coords?.latitude ?? store.latitude,
         longitude: coords?.longitude ?? store.longitude,
       });
@@ -146,20 +191,27 @@ export class StoreService {
     return serializeBigInt(items);
   }
 
-  async getStore(id: bigint) {
+  async getStore(id: bigint, viewer?: StoreViewer) {
     const store = await this.prisma.store.findFirst({
       where: { id, status: 'OPEN' },
-      include: { category: true, coverResource: true },
+      include: {
+        category: true,
+        coverResource: true,
+        visibilityPhones: { select: { phone: true } },
+      },
     });
-    if (!store) throw new NotFoundException('门店不存在');
+    if (!store || !this.isVisibleToViewer(store, viewer)) {
+      throw new NotFoundException('门店不存在');
+    }
     const coords = await this.ensureStoreCoordinates(store);
     const media = await this.prisma.commonResource.findMany({
       where: { ownerType: 'STORE', ownerId: id, status: 'ACTIVE', bizType: 'ENV' },
       orderBy: { sortOrder: 'asc' },
     });
+    const { visibilityPhones: _phones, visibilityWhitelistEnabled: _wl, ...rest } = store;
     return serializeBigInt(
       mapStoreCompat({
-        ...store,
+        ...rest,
         latitude: coords?.latitude ?? store.latitude,
         longitude: coords?.longitude ?? store.longitude,
         media,