diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewStream/config.json b/uniCloud-tcb/cloudfunctions/jjxReviewStream/config.json
new file mode 100644
index 0000000..26bcc55
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewStream/config.json
@@ -0,0 +1,12 @@
+{
+  "triggers": [
+    {
+      "name": "http",
+      "type": "http",
+      "config": {
+        "path": "/review-stream",
+        "method": ["POST"]
+      }
+    }
+  ]
+}
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewStream/index.js b/uniCloud-tcb/cloudfunctions/jjxReviewStream/index.js
new file mode 100644
index 0000000..6abcd12
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewStream/index.js
@@ -0,0 +1,106 @@
+'use strict';
+
+exports.main = async (event, context) => {
+  // uniCloud HTTP 触发器：event 本身就是请求信息
+  // event.httpMethod = 'GET'/'POST'/'OPTIONS'
+  // event.body = 请求体
+  // event.headers = 请求头
+  // context.callbackWaitsForEmptyEventLoop = true 保持连接
+
+  const corsHeaders = {
+    'Access-Control-Allow-Origin': '*',
+    'Access-Control-Allow-Methods': 'GET, POST, OPTIONS',
+    'Access-Control-Allow-Headers': 'Content-Type, Authorization',
+    'Access-Control-Max-Age': '86400'
+  };
+
+  // 处理 CORS 预检
+  if (event.httpMethod === 'OPTIONS') {
+    return {
+      statusCode: 204,
+      headers: corsHeaders,
+      body: ''
+    };
+  }
+
+  // 设置等待空事件循环（保持 SSE 连接）
+  context.callbackWaitsForEmptyEventLoop = false;
+
+  // 解析请求体
+  let body = {};
+  try {
+    const raw = event.body || '';
+    if (event.isBase64Encoded) {
+      body = JSON.parse(Buffer.from(raw, 'base64').toString());
+    } else {
+      try { body = JSON.parse(raw); } catch (e) {
+        const params = new URLSearchParams(raw);
+        for (const [k, v] of params) body[k] = v;
+      }
+    }
+  } catch (e) {}
+
+  const { file_id, user_id, file_name, file_size, record_id } = body;
+
+  if (!file_id) {
+    return {
+      statusCode: 400,
+      headers: { ...corsHeaders, 'Content-Type': 'application/json' },
+      body: JSON.stringify({ error: '缺少 file_id' })
+    };
+  }
+
+  const COZE_TOKEN = 'sat_OiXlI4Da5Q99fxmul6pNfExmA6hR898UbxBDwrvjZ638APxRSlFnXbz6zyFedKNG';
+  const BOT_ID = '7689821072762011698';
+
+  const objectString = JSON.stringify([
+    { type: 'file', file_id: file_id },
+    { type: 'text', text: '请审查这份合同' }
+  ]);
+
+  // 调用扣子（流式）
+  try {
+    const chatRes = await uniCloud.httpclient.request('https://api.coze.cn/v3/chat', {
+      method: 'POST',
+      dataType: 'text',
+      contentType: 'json',
+      timeout: 300000,
+      headers: { 'Authorization': 'Bearer ' + COZE_TOKEN },
+      data: {
+        bot_id: BOT_ID,
+        user_id: user_id || 'anonymous',
+        stream: true,
+        auto_save_history: true,
+        additional_messages: [{
+          role: 'user',
+          content: objectString,
+          content_type: 'object_string'
+        }]
+      }
+    });
+
+    // 返回 SSE 格式
+    const text = chatRes.data || '';
+    const sseBody = text.split('\n').map(line => {
+      if (line.startsWith('data:')) return line + '\n\n';
+      return '';
+    }).join('') + 'data: [DONE]\n\n';
+
+    return {
+      statusCode: 200,
+      headers: {
+        ...corsHeaders,
+        'Content-Type': 'text/event-stream',
+        'Cache-Control': 'no-cache',
+        'Connection': 'keep-alive'
+      },
+      body: sseBody
+    };
+  } catch (e) {
+    return {
+      statusCode: 500,
+      headers: { ...corsHeaders, 'Content-Type': 'application/json' },
+      body: JSON.stringify({ error: e.message })
+    };
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewStream/package.json b/uniCloud-tcb/cloudfunctions/jjxReviewStream/package.json
new file mode 100644
index 0000000..85ab71b
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewStream/package.json
@@ -0,0 +1,6 @@
+{
+  "name": "jjxReviewStream",
+  "version": "1.0.0",
+  "description": "合同审查流式输出云函数",
+  "main": "index.js"
+}
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewTimer/index.js b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/index.js
new file mode 100644
index 0000000..1034e80
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/index.js
@@ -0,0 +1,239 @@
+'use strict';
+
+// 定时任务：每分钟检查 reviewing 状态的记录，触发审查
+const db = uniCloud.database();
+const _ = db.command;
+
+// 导入审查执行函数（从 router 的 service 目录）
+// 注意：定时任务是独立云函数，不能直接 require router 的 service
+// 所以把审查逻辑直接写在这里
+
+const COZE_TOKEN = 'sat_OiXlI4Da5Q99fxmul6pNfExmA6hR898UbxBDwrvjZ638APxRSlFnXbz6zyFedKNG';
+const BOT_ID = '7689821072762011698';
+
+async function doReview(record) {
+  const { _id: record_id, file_id, user_id, file_name, file_size } = record;
+
+  const objectString = JSON.stringify([
+    { type: 'file', file_id: file_id },
+    { type: 'text', text: '请审查这份合同' }
+  ]);
+
+  try {
+    // 1. 非流式发起对话（立即返回 chat_id）
+    const chatRes = await uniCloud.httpclient.request('https://api.coze.cn/v3/chat', {
+      method: 'POST',
+      dataType: 'json',
+      contentType: 'json',
+      timeout: 30000,
+      headers: { 'Authorization': 'Bearer ' + COZE_TOKEN },
+      data: {
+        bot_id: BOT_ID,
+        user_id: user_id || 'anonymous',
+        stream: false,
+        auto_save_history: true,
+        additional_messages: [{
+          role: 'user',
+          content: objectString,
+          content_type: 'object_string'
+        }]
+      }
+    });
+
+    const chatData = chatRes.data && chatRes.data.data;
+    const chatId = chatData && chatData.id;
+    const conversationId = chatData && chatData.conversation_id;
+    console.log('[审查] chat_id:', chatId, 'conversation_id:', conversationId);
+
+    if (!chatId) {
+      throw new Error('未获取到 chat_id: ' + JSON.stringify(chatRes.data));
+    }
+
+    // 保存 chat_id 和 conversation_id 到数据库
+    await db.collection('jjx-review-records').doc(record_id).update({
+      chat_id: chatId,
+      conversation_id: conversationId || '',
+      update_time: new Date()
+    });
+    console.log('[审查] 已保存 chat_id:', chatId);
+
+    // 2. 轮询对话状态（每5秒查一次，最多5分钟）
+    let answer = '';
+    let tokenCount = 0;
+    for (let i = 0; i < 60; i++) {
+      await new Promise(r => setTimeout(r, 5000));
+
+      const statusRes = await uniCloud.httpclient.request(
+        'https://api.coze.cn/v3/chat/retrieve?chat_id=' + chatId + '&conversation_id=' + conversationId,
+        { method: 'GET', dataType: 'json', headers: { 'Authorization': 'Bearer ' + COZE_TOKEN }, timeout: 15000 }
+      );
+
+      const status = statusRes.data && statusRes.data.data && statusRes.data.data.status;
+      console.log('[审查] 第', i + 1, '次轮询, 状态:', status);
+
+      if (status === 'completed') {
+        // 保存 token 消耗信息
+        const usage = statusRes.data && statusRes.data.data && statusRes.data.data.usage;
+        tokenCount = (usage && usage.token_count) || 0;
+        console.log('[审查] Token 消耗:', tokenCount);
+
+        // 3. 获取消息列表
+        const msgRes = await uniCloud.httpclient.request(
+          'https://api.coze.cn/v3/chat/message/list?chat_id=' + chatId + '&conversation_id=' + conversationId,
+          { method: 'GET', dataType: 'json', headers: { 'Authorization': 'Bearer ' + COZE_TOKEN }, timeout: 15000 }
+        );
+
+        const messages = msgRes.data && msgRes.data.data;
+        if (Array.isArray(messages)) {
+          for (const msg of messages) {
+            if (msg.type === 'answer' && msg.role === 'assistant' && msg.content) {
+              answer = msg.content; // answer 类型的完整内容
+            }
+            if (msg.type === 'tool_response' && msg.content) {
+              try {
+                const toolData = JSON.parse(msg.content);
+                if (toolData.url) answer += '\n\n📎 报告下载：' + toolData.url;
+              } catch (e) {}
+            }
+          }
+        }
+        break;
+      }
+
+      if (status === 'failed') {
+        throw new Error('对话失败');
+      }
+    }
+
+    if (!answer) answer = '审查未能获取结果，请稍后重试';
+    console.log('[审查] 结果长度:', answer.length);
+
+    // 计算消耗积分
+    // 积分 = token消耗 / 100（最低1积分）
+    const pointsUsed = Math.max(1, Math.round(tokenCount / 100));
+    console.log('[积分] token_count:', tokenCount, '→ 扣除积分:', pointsUsed);
+
+    // 扣积分
+    const userPoints = await db.collection('jjx-user-points').doc(user_id).get();
+    if (userPoints.data.length && userPoints.data[0].balance >= pointsUsed) {
+      await db.collection('jjx-user-points').doc(user_id).update({
+        balance: _.inc(-pointsUsed),
+        total_spent: _.inc(pointsUsed),
+        update_time: new Date()
+      });
+      const updatedPoints = await db.collection('jjx-user-points').doc(user_id).get();
+      await db.collection('jjx-points-log').add({
+        user_id: user_id,
+        type: 'spend',
+        amount: -pointsUsed,
+        balance_after: updatedPoints.data[0] ? updatedPoints.data[0].balance : 0,
+        reason: '合同审查 — ' + (file_name || '') + '（' + tokenCount + ' token）',
+        biz_type: 'contract_review',
+        biz_id: record_id,
+        _add_time: new Date()
+      });
+    }
+
+    // 保存 HTML 报告到云存储
+    let htmlUrl = '';
+    try {
+      let htmlContent = answer;
+      const htmlMatch = answer.match(/```html\s*([\s\S]*?)```/);
+      if (htmlMatch && htmlMatch[1]) htmlContent = htmlMatch[1].trim();
+
+      if (htmlContent.includes('<!DOCTYPE') || htmlContent.includes('<html')) {
+        const cloudPath = 'review-reports/' + Date.now() + '_' + (file_name || 'report').replace(/\.[^.]+$/, '') + '.html';
+        const uploadRes = await uniCloud.uploadFile({
+          cloudPath: cloudPath,
+          fileContent: Buffer.from(htmlContent, 'utf-8')
+        });
+        if (uploadRes.fileID) {
+          const urlRes = await uniCloud.getTempFileURL({ fileList: [uploadRes.fileID] });
+          if (urlRes.fileList && urlRes.fileList[0]) htmlUrl = urlRes.fileList[0].tempFileURL;
+        }
+      }
+    } catch (e) {
+      console.log('HTML报告上传失败:', e.message);
+    }
+
+    // 更新记录为完成
+    await db.collection('jjx-review-records').doc(record_id).update({
+      status: 'completed',
+      result: answer,
+      html_url: htmlUrl,
+      token_count: tokenCount,
+      points_used: pointsUsed,
+      conversation_id: conversationId || '',
+      update_time: new Date()
+    });
+
+    console.log('审查完成:', record_id, file_name);
+    return { code: 0, msg: '审查完成' };
+
+  } catch (e) {
+    await db.collection('jjx-review-records').doc(record_id).update({
+      status: 'failed',
+      result: '审查失败: ' + e.message,
+      error: e.message,
+      update_time: new Date()
+    });
+    console.error('审查失败:', record_id, e.message);
+    return { code: -1, msg: '审查失败: ' + e.message };
+  }
+}
+
+exports.main = async (event, context) => {
+  // 先把卡在 processing 超过10分钟的记录重置为 reviewing（超时保护）
+  const tenMinutesAgo = new Date(Date.now() - 10 * 60 * 1000);
+  const stuckRecords = await db.collection('jjx-review-records')
+    .where({ status: 'processing', update_time: _.lt(tenMinutesAgo) })
+    .get();
+  for (const stuck of stuckRecords.data) {
+    await db.collection('jjx-review-records').doc(stuck._id).update({
+      status: 'reviewing',
+      update_time: new Date()
+    });
+  }
+
+  // 查询所有 reviewing 状态的记录（超过1分钟的，避免重复触发）
+  const oneMinuteAgo = new Date(Date.now() - 60 * 1000);
+
+  const pendingRecords = await db.collection('jjx-review-records')
+    .where({
+      status: 'reviewing',
+      review_started_at: _.lt(oneMinuteAgo)
+    })
+    .limit(5) // 每次最多处理5条
+    .get();
+
+  if (!pendingRecords.data.length) {
+    return { code: 0, msg: '无待处理记录' };
+  }
+
+  console.log('发现待处理审查记录:', pendingRecords.data.length, '条');
+
+  // 逐条处理（串行，避免并发问题）
+  const results = [];
+  for (const record of pendingRecords.data) {
+    // 先标记为 processing，避免重复触发
+    await db.collection('jjx-review-records').doc(record._id).update({
+      status: 'processing',
+      update_time: new Date()
+    });
+
+    try {
+      const result = await doReview(record);
+      results.push({ record_id: record._id, ...result });
+    } catch (e) {
+      // 审查失败，重置为 reviewing 以便下次重试
+      await db.collection('jjx-review-records').doc(record._id).update({
+        status: 'reviewing',
+        update_time: new Date()
+      });
+      console.error('审查异常，已重置状态:', record._id, e.message);
+      results.push({ record_id: record._id, code: -1, msg: e.message });
+    }
+  }
+
+  return { code: 0, msg: '处理完成', data: results };
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewTimer/jjxReviewTimer.param.json b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/jjxReviewTimer.param.json
new file mode 100644
index 0000000..0f56b5c
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/jjxReviewTimer.param.json
@@ -0,0 +1,4 @@
+// 本文件中的json内容将在云函数【运行】时作为参数传给云函数。
+// 配置教程参考：https://uniapp.dcloud.net.cn/uniCloud/rundebug.html#runparam
+{
+}
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/jjxReviewTimer/package.json b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/package.json
new file mode 100644
index 0000000..3ba759e
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/jjxReviewTimer/package.json
@@ -0,0 +1,19 @@
+{
+    "name": "jjxReviewTimer",
+    "version": "1.0.0",
+    "description": "合同审查定时任务",
+    "main": "index.js",
+    "cloudfunction-config": {
+        "memorySize": 256,
+        "timeout": 600,
+        "triggers": [
+            {
+                "name": "myTrigger",
+                "type": "timer",
+                "config": "0 */1 * * * * *"
+            }
+        ],
+        "path": "",
+        "runtime": "Nodejs16"
+    }
+}
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/package-lock.json b/uniCloud-tcb/cloudfunctions/router/package-lock.json
index 9f76028..3efc7fd 100644
--- a/uniCloud-tcb/cloudfunctions/router/package-lock.json
+++ b/uniCloud-tcb/cloudfunctions/router/package-lock.json
@@ -35,63 +35,64 @@
     },
     "node_modules/charenc": {
       "version": "0.0.2",
-      "license": "BSD-3-Clause",
+      "resolved": "https://registry.npmjs.org/charenc/-/charenc-0.0.2.tgz",
+      "integrity": "sha512-yrLQ/yVUFXkzg7EDQsPieE/53+0RlaWTs+wBrvW36cyilJ2SaDWfl4Yj7MtLTXleV9uEKefbAGUPv2/iWSooRA==",
       "engines": {
         "node": "*"
       }
     },
     "node_modules/crypt": {
       "version": "0.0.2",
-      "license": "BSD-3-Clause",
+      "resolved": "https://registry.npmjs.org/crypt/-/crypt-0.0.2.tgz",
+      "integrity": "sha512-mCxBlsHFYh9C+HVpiEacem8FEBnMXgU9gy4zmNC+SXAZNB/1idgp/aulFJ4FgCi7GPEVbfyng092GqL2k2rmow==",
       "engines": {
         "node": "*"
       }
     },
     "node_modules/crypto-js": {
       "version": "4.2.0",
-      "license": "MIT"
+      "resolved": "https://registry.npmjs.org/crypto-js/-/crypto-js-4.2.0.tgz",
+      "integrity": "sha512-KALDyEYgpY+Rlob/iriUtjV6d5Eq+Y191A5g4UqLAi8CyGP9N1+FdVbkc1SxKc2r4YAYqG8JzO2KGL+AizD70Q==",
+      "deprecated": "Active development of CryptoJS has been discontinued. This library is no longer maintained."
     },
     "node_modules/dayjs": {
-      "version": "1.11.10",
-      "license": "MIT"
-    },
-    "node_modules/debug": {
-      "version": "3.2.7",
-      "license": "MIT",
-      "dependencies": {
-        "ms": "^2.1.1"
-      }
+      "version": "1.11.23",
+      "resolved": "https://registry.npmjs.org/dayjs/-/dayjs-1.11.23.tgz",
+      "integrity": "sha512-QDTCU0M0MxR3hQfnlDJfwekQiaanm1ubOD231u73WBckQ/fsamwRLiE2GBz6D3a/xF1NgfiDLJjXBa1hYOYTtQ=="
     },
     "node_modules/is-buffer": {
       "version": "1.1.6",
-      "license": "MIT"
+      "resolved": "https://registry.npmjs.org/is-buffer/-/is-buffer-1.1.6.tgz",
+      "integrity": "sha512-NcdALwpXkTm5Zvvbk7owOUSvVvBKDgKP5/ewfXEznmQFfs4ZRmanOeKBTjRVjka3QFoN6XJ+9F3USqfHqTaU5w=="
     },
     "node_modules/md5": {
       "version": "2.3.0",
-      "license": "BSD-3-Clause",
+      "resolved": "https://registry.npmjs.org/md5/-/md5-2.3.0.tgz",
+      "integrity": "sha512-T1GITYmFaKuO91vxyoQMFETst+O71VUPEU3ze5GNzDm0OWdP8v1ziTaAEPUr/3kLsY3Sftgz242A1SetQiDL7g==",
       "dependencies": {
         "charenc": "0.0.2",
         "crypt": "0.0.2",
         "is-buffer": "~1.1.6"
       }
     },
-    "node_modules/ms": {
-      "version": "2.1.3",
-      "license": "MIT"
-    },
     "node_modules/node-ensure": {
       "version": "0.0.0",
-      "license": "MIT"
+      "resolved": "https://registry.npmjs.org/node-ensure/-/node-ensure-0.0.0.tgz",
+      "integrity": "sha512-DRI60hzo2oKN1ma0ckc6nQWlHU69RH6xN0sjQTjMpChPfTYvKZdcQFfdYK2RWbJcKyUizSIy/l8OTGxMAM1QDw=="
     },
     "node_modules/pdf-parse": {
-      "version": "1.1.1",
-      "license": "MIT",
+      "version": "1.1.4",
+      "resolved": "https://registry.npmjs.org/pdf-parse/-/pdf-parse-1.1.4.tgz",
+      "integrity": "sha512-XRIRcLgk6ZnUbsHsYXExMw+krrPE81hJ6FQPLdBNhhBefqIQKXu/WeTgNBGSwPrfU0v+UCEwn7AoAUOsVKHFvQ==",
       "dependencies": {
-        "debug": "^3.1.0",
         "node-ensure": "^0.0.0"
       },
       "engines": {
         "node": ">=6.8.1"
+      },
+      "funding": {
+        "type": "github",
+        "url": "https://github.com/sponsors/mehmet-kozan"
       }
     },
     "node_modules/uni-config-center": {
diff --git a/uniCloud-tcb/cloudfunctions/router/package.json b/uniCloud-tcb/cloudfunctions/router/package.json
index 55135b8..5f2cfc7 100644
--- a/uniCloud-tcb/cloudfunctions/router/package.json
+++ b/uniCloud-tcb/cloudfunctions/router/package.json
@@ -23,7 +23,7 @@
     "concurrency": 1,
     "memorySize": 512,
     "path": "/http/router",
-    "timeout": 60,
+    "timeout": 600,
     "triggers": [],
     "keepRunningAfterReturn": false
   },
diff --git a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getActionLog.js b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getActionLog.js
index f40266a..4e9c3e9 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getActionLog.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getActionLog.js
@@ -8,17 +8,15 @@ module.exports = {
      * @param {String} accNo 账号
      * @param {String} reqDate 请求日期，格式：yyyyMMdd
      * @param {String} reqJournalNo 请求流水号
-     * @param {String} logId 可选，流水ID，传入后会回写状态
      */
     main: async (event) => {
         let { data = {}, util } = event;
         let { vk } = util;
-        let { accNo, reqDate, reqJournalNo, logId } = data;
+        let { accNo, reqDate, reqJournalNo } = data;
 
         accNo = String(accNo || '').trim();
         reqDate = String(reqDate || '').trim();
         reqJournalNo = String(reqJournalNo || '').trim();
-        logId = String(logId || '').trim();
 
         if (!accNo) {
             return {
@@ -48,83 +46,43 @@ module.exports = {
             };
         }
 
-        let res = await balanceUtil.requestActionLog({
-            vk,
-            accNo,
-            reqDate,
-            reqJournalNo
+        let res = await vk.request({
+            url: 'http://jjx-union-pay.gxwebsoft.com/api/union-pay-jjx/getActionLog',
+            method: 'POST',
+            dataType: 'json',
+            header: {
+                'content-type': 'application/json; charset=utf-8'
+            },
+            data: {
+                accNo,
+                reqDate,
+                reqJournalNo
+            },
+            timeout: 60000
         });
 
         if (res && typeof res === 'object' && typeof res.code === 'undefined') {
             res.code = 0;
         }
 
-        const status = balanceUtil.getActionStatus(res);
-        const statusText = balanceUtil.getActionStatusTextByStatus(status);
-
-        if (status !== null) {
-            let logInfo = null;
-            if (logId) {
-                logInfo = await vk.baseDao.findByWhereJson({
-                    dbName: 'jjx-balance-log',
-                    whereJson: {
-                        _id: logId
-                    }
-                });
-            }
-            if (!logInfo) {
-                logInfo = await vk.baseDao.findByWhereJson({
-                    dbName: 'jjx-balance-log',
-                    whereJson: {
-                        srcReqId: reqJournalNo,
-                        merchantId: accNo
-                    }
-                });
-            }
-
-            if (logInfo && logInfo._id) {
-                logId = logInfo._id;
-                const prevStatus = Number(logInfo.status);
-                const nextStatus = Number(status);
-                const updateData = {
-                    status: nextStatus
-                };
-
-                // 新提现单（balanceDeducted === false）：成功时再扣减余额缓存
-                // 旧提现单无该字段：创建时已扣减，这里只更新状态
-                const needDeductOnSuccess = logInfo.balanceDeducted === false
-                    && prevStatus === 1
-                    && nextStatus === 2;
-
-                if (needDeductOnSuccess) {
-                    const amount = balanceUtil.normalizeAmount(logInfo.amount);
-                    await balanceUtil.applyMerchantBalanceDelta({
-                        vk,
-                        merchantId: accNo,
-                        delta: -amount,
-                        lastLogId: logId
-                    });
-                    updateData.balanceDeducted = true;
-                }
-
-                await vk.baseDao.updateById({
-                    dbName: 'jjx-balance-log',
-                    id: logId,
-                    dataJson: updateData
-                });
-            }
-        }
-
         const responseObjects = balanceUtil.getRemoteResponseObjects(res);
+        const list = balanceUtil.pickFirstDefined([
+            Array.isArray(res.list) ? res.list : undefined,
+            Array.isArray(res.rows) ? res.rows : undefined,
+            Array.isArray(res.data) ? res.data : undefined,
+            Array.isArray(res.data && res.data.list) ? res.data.list : undefined,
+            Array.isArray(res.data && res.data.rows) ? res.data.rows : undefined,
+            Array.isArray(res.info && res.info.list) ? res.info.list : undefined,
+            Array.isArray(res.info && res.info.rows) ? res.info.rows : undefined,
+            Array.isArray(res.content && res.content.list) ? res.content.list : undefined,
+            Array.isArray(res.content && res.content.rows) ? res.content.rows : undefined
+        ]) || [];
+
         if (responseObjects.data && typeof responseObjects.data === 'object' && !Array.isArray(responseObjects.data)) {
-            responseObjects.data.status = status;
-            responseObjects.data.statusText = statusText;
-            responseObjects.data.logId = logId;
+            responseObjects.data.list = list;
         } else if (res && typeof res === 'object') {
             res.data = {
-                status,
-                statusText,
-                logId
+                list
             };
         }
 
diff --git a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getSummary.js b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getSummary.js
index e5ec531..3bc896e 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getSummary.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/getSummary.js
@@ -1,5 +1,5 @@
 'use strict';
-const { BALANCE_DOC_ID, getBalanceInfoList, getAvailableWithdrawBalance, normalizeAmount } = require('./util.js');
+const { BALANCE_DOC_ID, getBalanceInfoList } = require('./util.js');
 
 module.exports = {
     /**
@@ -25,24 +25,6 @@ module.exports = {
         }
 
         const balanceInfoList = getBalanceInfoList(info.balanceInfo || {});
-        const enrichedList = [];
-        for (let i = 0; i < balanceInfoList.length; i++) {
-            const item = balanceInfoList[i];
-            const {
-                pendingAmount,
-                availableBalance
-            } = await getAvailableWithdrawBalance({
-                vk,
-                merchantId: item.accNo,
-                merchantBalance: item.balance
-            });
-            enrichedList.push({
-                ...item,
-                balance: normalizeAmount(item.balance),
-                pendingAmount,
-                availableBalance
-            });
-        }
 
         return {
             code: 0,
@@ -50,7 +32,7 @@ module.exports = {
             data: {
                 balance: Number(Number(info.balance || 0).toFixed(2)),
                 updateTime: info.updateTime || info._update_time_str || info._add_time_str || '',
-                balanceInfoList: enrichedList
+                balanceInfoList
             }
         };
     }
diff --git a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/util.js b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/util.js
index c69236d..5fef182 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/util.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/util.js
@@ -213,64 +213,6 @@ function getActionStatusTextByStatus(status) {
     return statusMap[Number(status)] || '';
 }
 
-async function applyMerchantBalanceDelta({
-    vk,
-    transaction,
-    merchantId,
-    delta,
-    lastLogId = '',
-    updateTime = dayjs().format('YYYY-MM-DD HH:mm:ss')
-}) {
-    const accNo = String(merchantId || '').trim();
-    if (!accNo) {
-        throw new Error('提现账号不能为空');
-    }
-    const changeAmount = normalizeAmount(delta);
-    const balanceRecord = await ensureBalanceRecord({ transaction, vk });
-    const balanceInfoMap = buildBalanceInfoMap(balanceRecord.balanceInfo || {});
-    const currentMerchantInfo = balanceInfoMap[accNo] || {
-        accNo,
-        merchantName: getMerchantLabel(accNo),
-        balance: 0,
-        updateTime: ''
-    };
-    const currentMerchantBalance = normalizeAmount(currentMerchantInfo.balance || 0);
-    const nextMerchantBalance = normalizeAmount(currentMerchantBalance + changeAmount);
-    if (nextMerchantBalance < 0) {
-        throw new Error('余额不足');
-    }
-    const nextBalanceInfoMap = {
-        ...balanceInfoMap,
-        [accNo]: {
-            accNo,
-            merchantName: currentMerchantInfo.merchantName || getMerchantLabel(accNo),
-            balance: nextMerchantBalance,
-            updateTime
-        }
-    };
-    const nextTotalBalance = normalizeAmount(Number(balanceRecord.balance || 0) + changeAmount);
-    const dataJson = {
-        balance: nextTotalBalance,
-        balanceInfo: nextBalanceInfoMap,
-        updateTime
-    };
-    if (lastLogId) {
-        dataJson.lastLogId = lastLogId;
-    }
-    await vk.baseDao.updateById({
-        db: transaction,
-        dbName: 'jjx-balance',
-        id: balanceRecord._id,
-        dataJson
-    });
-    return {
-        balance: nextTotalBalance,
-        merchantBalance: nextMerchantBalance,
-        updateTime,
-        balanceInfoMap: nextBalanceInfoMap
-    };
-}
-
 async function syncMerchantBalance({
     vk,
     accNo,
@@ -381,49 +323,6 @@ async function checkBalanceAvailable({ transaction, vk, changeAmount, excludeLog
     };
 }
 
-/**
- * 统计指定商户处理中的提现金额（status=1）
- */
-async function getPendingWithdrawAmount({ transaction, vk, merchantId }) {
-    const accNo = String(merchantId || '').trim();
-    if (!accNo) {
-        return 0;
-    }
-    const res = await vk.baseDao.select({
-        db: transaction,
-        dbName: 'jjx-balance-log',
-        whereJson: {
-            merchantId: accNo,
-            type: 'expense',
-            source: 'withdraw',
-            status: 1
-        },
-        pageIndex: 1,
-        pageSize: 1000,
-        getCount: false
-    });
-    const rows = (res && res.rows) || [];
-    return normalizeAmount(rows.reduce((sum, item) => sum + Number(item.amount || 0), 0));
-}
-
-/**
- * 可提现余额 = 当前余额 - 处理中提现金额
- */
-async function getAvailableWithdrawBalance({ transaction, vk, merchantId, merchantBalance }) {
-    const pendingAmount = await getPendingWithdrawAmount({
-        transaction,
-        vk,
-        merchantId
-    });
-    const balance = normalizeAmount(merchantBalance);
-    const availableBalance = normalizeAmount(Math.max(0, balance - pendingAmount));
-    return {
-        balance,
-        pendingAmount,
-        availableBalance
-    };
-}
-
 async function updateBalanceWithDelta({ transaction, vk, delta, lastLogId = '' }) {
     const balanceInfo = await ensureBalanceRecord({ transaction, vk });
     const nextBalance = Number((Number(balanceInfo.balance || 0) + Number(delta || 0)).toFixed(2));
@@ -473,13 +372,10 @@ module.exports = {
     parseOrderSet,
     getActionStatus,
     getActionStatusTextByStatus,
-    applyMerchantBalanceDelta,
     syncMerchantBalance,
     ensureBalanceRecord,
     recalculateBalance,
     checkBalanceAvailable,
-    getPendingWithdrawAmount,
-    getAvailableWithdrawBalance,
     updateBalanceWithDelta,
     rollbackTransaction
 };
diff --git a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/withdraw.js b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/withdraw.js
index 3cadddc..8163780 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/withdraw.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/withdraw.js
@@ -1,4 +1,5 @@
 'use strict';
+const dayjs = require('dayjs');
 const balanceUtil = require('./util.js');
 const merchantMap = balanceUtil.MERCHANT_MAP;
 
@@ -33,28 +34,11 @@ module.exports = {
                 updateTime: ''
             };
             const merchantBalance = balanceUtil.normalizeAmount(merchantBalanceInfo.balance || 0);
-            const {
-                pendingAmount,
-                availableBalance
-            } = await balanceUtil.getAvailableWithdrawBalance({
-                transaction,
-                vk,
-                merchantId,
-                merchantBalance
-            });
-            if (availableBalance <= 0) {
-                throw new Error(
-                    pendingAmount > 0
-                        ? `可提现余额不足（处理中提现￥${pendingAmount.toFixed(2)}已占用）`
-                        : '当前企业余额小于等于0，无法提现'
-                );
+            if (merchantBalance <= 0) {
+                throw new Error('当前企业余额小于等于0，无法提现');
             }
-            if (amount > availableBalance) {
-                throw new Error(
-                    pendingAmount > 0
-                        ? `提现金额不能大于可提现余额￥${availableBalance.toFixed(2)}（已排除处理中提现￥${pendingAmount.toFixed(2)}）`
-                        : '提现金额不能大于当前企业余额'
-                );
+            if (amount > merchantBalance) {
+                throw new Error('提现金额不能大于当前企业余额');
             }
             const description = String(data.description || '').trim() || `余额提现-${merchantMap[merchantId]}`;
 
@@ -96,28 +80,52 @@ module.exports = {
                 merchantId,
                 merchantName: merchantMap[merchantId],
                 srcReqId: requestRes.srcReqId,
-                status: 1,
-                // 新逻辑：处理中不扣余额，成功后再扣；用于兼容旧数据（旧单默认已扣）
-                balanceDeducted: false
+                status: 1
             };
+            const changeAmount = balanceUtil.buildBalanceChange(logData);
 
-            await vk.baseDao.add({
+            await balanceUtil.checkBalanceAvailable({
+                transaction,
+                vk,
+                changeAmount
+            });
+
+            const addRes = await vk.baseDao.add({
                 db: transaction,
                 dbName: 'jjx-balance-log',
                 dataJson: logData
             });
 
-            // 处理中提现不立刻扣减余额缓存，避免与远端余额同步互相覆盖；
-            // 可提现额度通过「余额 - 处理中提现」计算，防止重复提现超总额。
+            const updateTime = dayjs().format('YYYY-MM-DD HH:mm:ss');
+            const nextMerchantBalance = Number((merchantBalance + changeAmount).toFixed(2));
+            const nextBalance = Number((Number(balanceRecord.balance || 0) + changeAmount).toFixed(2));
+            await vk.baseDao.updateById({
+                db: transaction,
+                dbName: 'jjx-balance',
+                id: balanceRecord._id,
+                dataJson: {
+                    balance: nextBalance,
+                    lastLogId: addRes.id,
+                    updateTime,
+                    balanceInfo: {
+                        ...balanceInfoMap,
+                        [merchantId]: {
+                            accNo: merchantId,
+                            merchantName: merchantMap[merchantId],
+                            balance: nextMerchantBalance,
+                            updateTime
+                        }
+                    }
+                }
+            });
+
             await transaction.commit();
             return {
                 code: 0,
                 msg: '',
                 data: {
-                    balance: merchantBalance,
-                    pendingAmount: balanceUtil.normalizeAmount(pendingAmount + amount),
-                    availableBalance: balanceUtil.normalizeAmount(Math.max(0, availableBalance - amount)),
-                    merchantBalance
+                    balance: nextBalance,
+                    merchantBalance: nextMerchantBalance
                 }
             };
         } catch (err) {
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
index 6ee3733..c43baba 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
@@ -25,7 +25,7 @@ module.exports = {
       }
     });
 
-    let answer = '暂时无法回复，请拨打 400-686-5559 咨询';
+    let answer = '';
     let conversationId = '';
     const text = res.data || '';
     const lines = text.split('\n');
@@ -37,10 +37,11 @@ module.exports = {
         const p = JSON.parse(d);
         if (p.conversation_id) conversationId = p.conversation_id;
         if (p.type === 'answer' && p.content) {
-          answer = p.content;
+          answer += p.content;  // 拼接，不是覆盖
         }
       } catch (e) { /* 跳过 */ }
     }
+    if (!answer) answer = '暂时无法回复，请拨打 400-686-5559 咨询';
 
     return {
       code: 0,
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/doReviewTimer.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/doReviewTimer.js
new file mode 100644
index 0000000..397658b
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/doReviewTimer.js
@@ -0,0 +1,53 @@
+// client/ai/pub/doReviewTimer.js
+module.exports = {
+  main: async (event) => {
+    let { data = {} } = event;
+    const { record_id, file_id, user_id, file_name, file_size } = data;
+    
+    if (!record_id || !file_id) return { code: -1, msg: '参数错误' };
+    
+    const db = uniCloud.database();
+    
+    // 检查是否已经在审查中（防止重复触发）
+    const record = await db.collection('jjx-review-records').doc(record_id).get();
+    if (record.data.length && record.data[0].status === 'reviewing') {
+      // 检查是否刚触发（5分钟内不重复触发）
+      const lastUpdate = record.data[0].update_time;
+      if (lastUpdate && (Date.now() - new Date(lastUpdate).getTime() < 5 * 60 * 1000)) {
+        return { code: 0, msg: '已在审查中，跳过' };
+      }
+    }
+    
+    // 更新状态为审查中
+    await db.collection('jjx-review-records').doc(record_id).update({
+      status: 'reviewing',
+      review_started_at: new Date(),
+      update_time: new Date()
+    });
+    
+    // 调用实际的审查逻辑
+    try {
+      const doReview = require('./jjxDoReview.js');
+      await doReview.main({
+        data: {
+          record_id,
+          file_id,
+          user_id: user_id || 'anonymous',
+          file_name: file_name || '',
+          file_size: file_size || 0
+        }
+      });
+      return { code: 0, msg: '审查完成' };
+    } catch (e) {
+      console.error('审查失败:', e);
+      // 更新状态为失败
+      await db.collection('jjx-review-records').doc(record_id).update({
+        status: 'failed',
+        result: '审查失败: ' + e.message,
+        error: e.message,
+        update_time: new Date()
+      });
+      return { code: -1, msg: '审查失败: ' + e.message };
+    }
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getMyReports.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getMyReports.js
new file mode 100644
index 0000000..8b8cdf8
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getMyReports.js
@@ -0,0 +1,30 @@
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { db } = util;
+    const { pageIndex = 1, pageSize = 50 } = data;
+
+    const uid = (data && data.uid) || '';
+    if (!uid) return { code: -1, msg: '未登录' };
+
+    const where = { user_id: uid };
+
+    const countRes = await db.collection('jjx-review-records').where(where).count();
+
+    const listRes = await db.collection('jjx-review-records')
+      .where(where)
+      .orderBy('_add_time', 'desc')
+      .skip((pageIndex - 1) * pageSize)
+      .limit(pageSize)
+      .get();
+
+    return {
+      code: 0,
+      msg: 'ok',
+      data: {
+        total: countRes.total,
+        rows: listRes.data
+      }
+    };
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getReviewResult.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getReviewResult.js
new file mode 100644
index 0000000..266c9bf
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/getReviewResult.js
@@ -0,0 +1,27 @@
+// 云函数：client/ai/pub/getReviewResult
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { db } = util;
+    const { record_id } = data;
+    
+    if (!record_id) return { code: -1, msg: '缺少 record_id' };
+    
+    const record = await db.collection('jjx-review-records').doc(record_id).get();
+    if (!record.data.length) return { code: -1, msg: '记录不存在' };
+    
+    const rec = record.data[0];
+    
+    return {
+      code: 0,
+      data: {
+        status: rec.status,
+        result: rec.result || '',
+        points_used: rec.points_used || 0,
+        html_url: rec.html_url || '',
+        contract_info: rec.contract_info || {},
+        error: rec.error || ''
+      }
+    };
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js
new file mode 100644
index 0000000..86b3b98
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js
@@ -0,0 +1,217 @@
+// client/ai/pub/jjxDoReview.js
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo } = event;
+    const { record_id, file_id, user_id, file_name, file_size } = data;
+    
+    if (!record_id || !file_id) return { code: -1, msg: '参数错误' };
+    
+    const COZE_TOKEN = 'sat_OiXlI4Da5Q99fxmul6pNfExmA6hR898UbxBDwrvjZ638APxRSlFnXbz6zyFedKNG';
+    const BOT_ID = '7689821072762011698';
+    const db = uniCloud.database();
+    const _ = db.command;
+    
+    try {
+      // 构造请求
+      const objectString = JSON.stringify([
+        { type: 'file', file_id: file_id },
+        { type: 'text', text: '请审查这份合同' }
+      ]);
+      
+      // 调用 Coze 接口（流式模式）
+      const chatRes = await uniCloud.httpclient.request('https://api.coze.cn/v3/chat', {
+        method: 'POST',
+        dataType: 'stream',  // 关键：改成 stream
+        contentType: 'json',
+        timeout: 300000,  // 5分钟超时
+        headers: { 
+          'Authorization': 'Bearer ' + COZE_TOKEN,
+          'Accept': 'text/event-stream'
+        },
+        data: {
+          bot_id: BOT_ID,
+          user_id: user_id || 'anonymous',
+          stream: true,
+          auto_save_history: true,
+          additional_messages: [{
+            role: 'user',
+            content: objectString,
+            content_type: 'object_string'
+          }]
+        }
+      });
+
+      // 从流中逐步解析
+      const stream = chatRes.data || chatRes.res;
+      let buffer = '';
+      let answer = '';
+      let conversationId = '';
+      let lastUpdateLen = 0;
+      
+      // 返回 Promise，等待流结束
+      return await new Promise((resolve, reject) => {
+        
+        stream.on('data', (chunk) => {
+          buffer += chunk.toString();
+          const blocks = buffer.split('\n\n');
+          buffer = blocks.pop();
+          
+          for (const block of blocks) {
+            const lines = block.split('\n');
+            let eventName = '';
+            let dataStr = '';
+            
+            for (const line of lines) {
+              if (line.startsWith('event:')) eventName = line.slice(6).trim();
+              if (line.startsWith('data:')) dataStr = line.slice(5).trim();
+            }
+            
+            if (!dataStr || dataStr === '[DONE]' || dataStr === '"[DONE]"') continue;
+            
+            try {
+              const p = JSON.parse(dataStr);
+              if (p.conversation_id) conversationId = p.conversation_id;
+              
+              // 处理回答内容
+              if (p.type === 'answer' && p.content) {
+                answer += p.content;
+                
+                // 每积累 200 字更新一次数据库（前端轮询能看到进度）
+                if (answer.length - lastUpdateLen >= 200) {
+                  lastUpdateLen = answer.length;
+                  db.collection('jjx-review-records').doc(record_id).update({
+                    result: answer,
+                    status: 'reviewing',
+                    update_time: new Date()
+                  }).catch(() => {});
+                }
+              }
+              
+              // 处理工具响应（报告下载链接）
+              if (p.type === 'tool_response' && p.content) {
+                try {
+                  const toolData = JSON.parse(p.content);
+                  if (toolData.url) answer += '\n\n📎 报告下载：' + toolData.url;
+                } catch (e) {
+                  const urlMatch = p.content.match(/https?:\/\/[^\s\)\]\"\<]+\.pdf[^\s\)\]\"\<]*/i);
+                  if (urlMatch) answer += '\n\n📎 报告下载：' + urlMatch[0];
+                }
+              }
+            } catch (e) {}
+          }
+        });
+        
+        stream.on('end', async () => {
+          if (!answer) {
+            answer = '审查未能获取结果，请稍后重试';
+          }
+          
+          try {
+            // 计算消耗积分
+            const pointsUsed = Math.max(150, Math.ceil((file_size || 0) / (100 * 1024)) * 150);
+            
+            // 扣积分
+            const userPoints = await db.collection('jjx-user-points').doc(user_id).get();
+            if (userPoints.data.length && userPoints.data[0].balance >= pointsUsed) {
+              await db.collection('jjx-user-points').doc(user_id).update({
+                balance: _.inc(-pointsUsed),
+                total_spent: _.inc(pointsUsed),
+                update_time: new Date()
+              });
+              
+              const updatedPoints = await db.collection('jjx-user-points').doc(user_id).get();
+              await db.collection('jjx-points-log').add({
+                user_id: user_id,
+                type: 'spend',
+                amount: -pointsUsed,
+                balance_after: updatedPoints.data[0] ? updatedPoints.data[0].balance : 0,
+                reason: '合同审查 — ' + (file_name || ''),
+                biz_type: 'contract_review',
+                biz_id: record_id,
+                _add_time: new Date()
+              });
+            }
+            
+            // 保存 HTML 报告到云存储
+            let htmlUrl = '';
+            try {
+              // 如果回复本身就是 HTML（包含 <!DOCTYPE html> 或 <html>）
+              let htmlContent = answer;
+              const htmlMatch = answer.match(/```html\s*([\s\S]*?)```/);
+              if (htmlMatch && htmlMatch[1]) {
+                htmlContent = htmlMatch[1].trim();
+              }
+              
+              if (htmlContent.includes('<!DOCTYPE') || htmlContent.includes('<html')) {
+                const cloudPath = 'review-reports/' + Date.now() + '_' + (file_name || 'report').replace(/\.[^.]+$/, '') + '.html';
+                const uploadRes = await uniCloud.uploadFile({
+                  cloudPath: cloudPath,
+                  fileContent: Buffer.from(htmlContent, 'utf-8')
+                });
+                if (uploadRes.fileID) {
+                  const urlRes = await uniCloud.getTempFileURL({ fileList: [uploadRes.fileID] });
+                  if (urlRes.fileList && urlRes.fileList[0]) {
+                    htmlUrl = urlRes.fileList[0].tempFileURL;
+                  }
+                }
+              }
+            } catch (e) {
+              console.log('HTML报告上传失败:', e.message);
+            }
+            
+            // 解析 JSON 结构化数据（如果有的话）
+            let contractInfo = {};
+            try {
+              const jsonMatch = answer.match(/```json\s*([\s\S]*?)```/);
+              if (jsonMatch) contractInfo = JSON.parse(jsonMatch[1].trim());
+            } catch (e) {}
+            
+            // 更新审查记录为完成
+            await db.collection('jjx-review-records').doc(record_id).update({
+              status: 'completed',
+              result: answer,
+              html_url: htmlUrl,
+              contract_info: contractInfo,
+              points_used: pointsUsed,
+              conversation_id: conversationId || '',
+              update_time: new Date()
+            });
+            
+            resolve({ code: 0, msg: '审查完成' });
+            
+          } catch (e) {
+            // 更新为失败
+            await db.collection('jjx-review-records').doc(record_id).update({
+              status: 'failed',
+              result: '审查失败: ' + e.message,
+              error: e.message,
+              update_time: new Date()
+            });
+            reject(e);
+          }
+        });
+        
+        stream.on('error', async (err) => {
+          await db.collection('jjx-review-records').doc(record_id).update({
+            status: 'failed',
+            result: '审查失败: ' + err.message,
+            error: err.message,
+            update_time: new Date()
+          });
+          reject(err);
+        });
+        
+      });
+      
+    } catch (e) {
+      // 审查失败，更新记录
+      await db.collection('jjx-review-records').doc(record_id).update({
+        status: 'failed',
+        result: '审查失败: ' + e.message,
+        error: e.message,
+        update_time: new Date()
+      });
+      return { code: -1, msg: '审查失败: ' + e.message };
+    }
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/review.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/review.js
new file mode 100644
index 0000000..ced0ff8
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/review.js
@@ -0,0 +1,252 @@
+// client/ai/pub/review.js
+// Markdown 转 HTML
+function mdToHtml(md) {
+  if (!md) return '';
+  let html = md;
+  // 标题
+  html = html.replace(/^####\s+(.+)$/gm, '<h5>$1</h5>');
+  html = html.replace(/^###\s+(.+)$/gm, '<h4>$1</h4>');
+  html = html.replace(/^##\s+(.+)$/gm, '<h3>$1</h3>');
+  html = html.replace(/^#\s+(.+)$/gm, '<h2>$1</h2>');
+  // 加粗
+  html = html.replace(/\*\*(.*?)\*\*/g, '<strong>$1</strong>');
+  // 链接
+  html = html.replace(/(https?:\/\/[^\s\)\]\"\<]+)/g, '<a href="$1" target="_blank">$1</a>');
+  // 代码块
+  html = html.replace(/```[\w]*\n([\s\S]*?)```/g, '<pre class="code-block">$1</pre>');
+  // 行内代码
+  html = html.replace(/`([^`]+)`/g, '<code>$1</code>');
+  // 列表
+  html = html.replace(/^[\-\•]\s+(.+)$/gm, '<li>$1</li>');
+  html = html.replace(/^(\d+)\.\s+(.+)$/gm, '<li>$1. $2</li>');
+  // 换行
+  html = html.replace(/\n\n/g, '</p><p>');
+  html = html.replace(/\n/g, '<br>');
+  html = '<p>' + html + '</p>';
+  // 清理空段落
+  html = html.replace(/<p>\s*<\/p>/g, '');
+  return html;
+}
+
+// 生成精美 HTML 报告
+function generateHtmlReport(markdown, fileName, reportDate, info) {
+  const riskLevel = info.risk_level || '待评估';
+  const riskSummary = info.risk_summary || '';
+  const riskCount = info.risk_count || { high: 0, medium: 0, low: 0 };
+  const contractName = info.contract_name || fileName || '合同审查报告';
+  const contractType = info.contract_type || '';
+
+  // 风险等级颜色
+  let riskColor = '#67c23a';
+  if (riskLevel.includes('高')) riskColor = '#f56c6c';
+  else if (riskLevel.includes('中高')) riskColor = '#e6a23c';
+  else if (riskLevel.includes('中')) riskColor = '#e6a23c';
+  else if (riskLevel.includes('中低')) riskColor = '#409eff';
+
+  return `<!DOCTYPE html>
+<html lang="zh-CN">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<title>${contractName} - 审查报告</title>
+<style>
+  * { margin: 0; padding: 0; box-sizing: border-box; }
+  body { font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif; background: #f5f7fa; color: #333; line-height: 1.8; }
+  .container { max-width: 900px; margin: 0 auto; padding: 20px; }
+  .header { background: linear-gradient(135deg, #a92924, #d4574e); color: #fff; padding: 40px; border-radius: 12px 12px 0 0; }
+  .header h1 { font-size: 24px; margin-bottom: 8px; }
+  .header .subtitle { opacity: 0.85; font-size: 14px; }
+  .summary-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; padding: 24px 40px; background: #fff; border-bottom: 1px solid #eee; }
+  .summary-card { text-align: center; padding: 16px; border-radius: 8px; background: #f9f9f9; }
+  .summary-card .label { font-size: 12px; color: #999; margin-bottom: 4px; }
+  .summary-card .value { font-size: 20px; font-weight: 700; }
+  .body { background: #fff; padding: 32px 40px; border-radius: 0 0 12px 12px; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
+  .body h2 { font-size: 18px; color: #222; margin: 28px 0 12px; padding-bottom: 8px; border-bottom: 2px solid #a92924; }
+  .body h3 { font-size: 16px; color: #333; margin: 20px 0 8px; }
+  .body h4 { font-size: 14px; color: #444; margin: 16px 0 6px; }
+  .body p { margin: 8px 0; font-size: 14px; }
+  .body li { margin: 4px 0 4px 20px; font-size: 14px; }
+  .body strong { color: #a92924; }
+  .body a { color: #a92924; text-decoration: underline; }
+  .risk-badge { display: inline-block; padding: 2px 10px; border-radius: 10px; font-size: 12px; font-weight: 600; color: #fff; }
+  .risk-high { background: #f56c6c; }
+  .risk-medium { background: #e6a23c; }
+  .risk-low { background: #67c23a; }
+  .code-block { background: #f6f8fa; border: 1px solid #e1e4e8; border-radius: 6px; padding: 12px 16px; font-size: 13px; overflow-x: auto; margin: 8px 0; font-family: "SFMono-Regular", Consolas, monospace; }
+  .disclaimer { margin-top: 32px; padding: 16px 20px; background: #fff8e1; border-left: 4px solid #e6a23c; border-radius: 4px; font-size: 12px; color: #b8860b; }
+  .footer { text-align: center; padding: 24px; font-size: 12px; color: #999; }
+  @media print { body { background: #fff; } .container { padding: 0; } .header { border-radius: 0; } .body { box-shadow: none; } }
+</style>
+</head>
+<body>
+<div class="container">
+  <div class="header">
+    <h1>📋 合同审查报告</h1>
+    <div class="subtitle">${contractName} | ${reportDate}</div>
+  </div>
+  <div class="summary-cards">
+    <div class="summary-card">
+      <div class="label">综合风险等级</div>
+      <div class="value" style="color:${riskColor}">${riskLevel}</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">风险统计</div>
+      <div class="value"><span style="color:#f56c6c">${riskCount.high||0}</span> / <span style="color:#e6a23c">${riskCount.medium||0}</span> / <span style="color:#67c23a">${riskCount.low||0}</span></div>
+    </div>
+    <div class="summary-card">
+      <div class="label">合同类型</div>
+      <div class="value" style="font-size:14px">${contractType || '待识别'}</div>
+    </div>
+  </div>
+  <div class="body">
+    <h2>总体评估</h2>
+    <p>${riskSummary || '暂无总体评估'}</p>
+    <h2>详细审查意见</h2>
+    ${mdToHtml(markdown.replace(/```json[\s\S]*?```/, ''))}
+    <div class="disclaimer">
+      ⚠️ <strong>免责声明</strong>：本报告由 AI 系统自动生成，仅供参考，不构成正式法律意见。涉及重大金额或复杂交易的合同，建议咨询执业律师。
+    </div>
+  </div>
+  <div class="footer">
+    金久信签约宝 · AI 合同审查服务 | 报告生成时间：${new Date().toLocaleString('zh-CN')}
+  </div>
+</div>
+</body>
+</html>`;
+}
+
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo } = event;
+    const COZE_TOKEN = 'sat_OiXlI4Da5Q99fxmul6pNfExmA6hR898UbxBDwrvjZ638APxRSlFnXbz6zyFedKNG';
+    const BOT_ID = '7689821072762011698';
+    const db = uniCloud.database();
+    const _ = db.command;
+
+    let fileId = data.file_id;
+
+    // ===== 模式1：上传文件 + 创建待审查记录 =====
+    if (data.upload_only && data.file_base64) {
+      const fileBuffer = Buffer.from(data.file_base64, 'base64');
+      const boundary = '----FormBoundary' + Date.now();
+      const header = Buffer.from(
+        '--' + boundary + '\r\n' +
+        'Content-Disposition: form-data; name="file"; filename="' + (data.file_name || 'file') + '"\r\n' +
+        'Content-Type: application/octet-stream\r\n\r\n'
+      );
+      const footer = Buffer.from('\r\n--' + boundary + '--\r\n');
+      const uploadBody = Buffer.concat([header, fileBuffer, footer]);
+
+      try {
+        const uploadRes = await uniCloud.httpclient.request('https://api.coze.cn/v1/files/upload', {
+          method: 'POST',
+          dataType: 'json',
+          headers: {
+            'Authorization': 'Bearer ' + COZE_TOKEN,
+            'Content-Type': 'multipart/form-data; boundary=' + boundary,
+            'Content-Length': uploadBody.length.toString()
+          },
+          content: uploadBody,
+          timeout: 600000
+        });
+        if (uploadRes.data.code !== 0) {
+          return { code: -1, msg: '文件上传失败: ' + uploadRes.data.msg };
+        }
+        fileId = uploadRes.data.data.id;
+
+        // 同时上传到 uniCloud 云存储（用于查看/下载）
+        let fileUrl = '';
+        try {
+          const cloudPath = 'review-files/' + Date.now() + '_' + (data.file_name || 'file');
+          const uploadFileRes = await uniCloud.uploadFile({
+            cloudPath: cloudPath,
+            fileContent: fileBuffer
+          });
+          if (uploadFileRes.fileID) {
+            const urlRes = await uniCloud.getTempFileURL({
+              fileList: [uploadFileRes.fileID]
+            });
+            if (urlRes.fileList && urlRes.fileList[0]) {
+              fileUrl = urlRes.fileList[0].tempFileURL;
+            }
+          }
+        } catch (e) {
+          console.log('云存储上传失败（不影响审查）:', e.message);
+        }
+
+        // 创建待审查记录
+        const recordRes = await db.collection('jjx-review-records').add({
+          user_id: (data && data.uid) || 'anonymous',
+          file_name: data.file_name || '',
+          file_size: data.file_size || 0,
+          file_id: fileId,
+          file_url: fileUrl,
+          chat_id: '',
+          conversation_id: '',
+          status: 'uploaded',
+          result: '',
+          points_used: 0,
+          _add_time: new Date(),
+          update_time: new Date()
+        });
+
+        return { code: 0, msg: 'ok', data: { file_id: fileId, record_id: recordRes.id, file_url: fileUrl } };
+      } catch (e) {
+        return { code: -1, msg: '上传异常: ' + e.message };
+      }
+    }
+
+    // ===== 模式2：发起审查（只更新状态，立即返回）=====
+    if (!fileId) return { code: -1, msg: '缺少 file_id' };
+
+    const recordId = data.record_id;
+    if (!recordId) return { code: -1, msg: '缺少 record_id' };
+
+    // 检查当前状态
+    const record = await db.collection('jjx-review-records').doc(recordId).get();
+    if (record.data.length) {
+      const rec = record.data[0];
+      
+      // 已完成，直接返回结果
+      if (rec.status === 'completed') {
+        return {
+          code: 0, msg: 'ok',
+          data: {
+            record_id: recordId,
+            status: 'completed',
+            result: rec.result,
+            points_used: rec.points_used,
+            html_url: rec.html_url || '',
+            contract_info: rec.contract_info || {}
+          }
+        };
+      }
+      
+      // 正在审查中，直接返回
+      if (rec.status === 'reviewing') {
+        return { code: 0, msg: 'ok', data: { record_id: recordId, status: 'reviewing' } };
+      }
+      
+      // 失败，返回错误
+      if (rec.status === 'failed') {
+        return { code: 0, msg: 'ok', data: { record_id: recordId, status: 'failed', result: rec.result || '审查失败' } };
+      }
+    }
+
+    // 更新状态为审查中
+    await db.collection('jjx-review-records').doc(recordId).update({
+      file_id: fileId,
+      file_name: data.file_name || '',
+      file_size: data.file_size || 0,
+      status: 'reviewing',
+      review_started_at: new Date(),
+      update_time: new Date()
+    });
+
+    // ===== 立即返回，审查由定时任务触发 =====
+    return {
+      code: 0, msg: 'ok',
+      data: { record_id: recordId, status: 'reviewing' }
+    };
+  }
+};
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/payment.js b/uniCloud-tcb/cloudfunctions/router/service/client/payment.js
index 01a6c3d..0d07e87 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/client/payment.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/payment.js
@@ -1,28 +1,36 @@
 'use strict';
 const dayjs = require("dayjs");
-const { BALANCE_DOC_ID, normalizeAmount } = require("../admin/finance/balance/sys/util.js");
+const {
+	BALANCE_DOC_ID,
+	normalizeAmount
+} = require("../admin/finance/balance/sys/util.js");
 const notaryPay = require("./order/kh/util/notaryPay");
 var vk; // 全局vk实例
 const orderTypeList = [
-    '商城订单',
-    '金久信自营增值服务',
-    '保证金',
-    '会员升级',
-    '询价订单',
-    '加工订单',
-    '旧货订单',
-    '报价次数',
-    '现货广告',
-    '旧货加急',
-    '旧货次数',
-    '金久信学堂下载次数',
-    '司法调证',
-    '金久信签约宝次数',
-    '金久信自营询价',
+	'商城订单',
+	'金久信自营增值服务',
+	'保证金',
+	'会员升级',
+	'询价订单',
+	'加工订单',
+	'旧货订单',
+	'报价次数',
+	'现货广告',
+	'旧货加急',
+	'旧货次数',
+	'金久信学堂下载次数',
+	'司法调证',
+	'金久信签约宝次数',
+	'金久信自营询价',
+	'',
+	'',
+	'',
+	'',
+	'AI积分充值'
 ];
 // 涉及的表名
 const dbName = {
-    //test: "vk-test", // 测试表
+	//test: "vk-test", // 测试表
 };
 
 var db = uniCloud.database(); // 全局数据库引用
@@ -30,21 +38,21 @@ var _ = db.command; // 数据库操作符
 var $ = _.aggregate; // 聚合查询操作符
 
 function pickFirstDefined() {
-    for (let i = 0; i < arguments.length; i++) {
-        const value = arguments[i];
-        if (value !== undefined && value !== null && value !== '') {
-            return value;
-        }
-    }
-    return undefined;
+	for (let i = 0; i < arguments.length; i++) {
+		const value = arguments[i];
+		if (value !== undefined && value !== null && value !== '') {
+			return value;
+		}
+	}
+	return undefined;
 }
 
 function toFenAmount(value) {
-    const amount = Number(value);
-    if (!Number.isFinite(amount)) {
-        throw new Error(`支付金额格式不正确: ${value}`);
-    }
-    return Number((amount / 100).toFixed(2));
+	const amount = Number(value);
+	if (!Number.isFinite(amount)) {
+		throw new Error(`支付金额格式不正确: ${value}`);
+	}
+	return Number((amount / 100).toFixed(2));
 }
 
 /**
@@ -52,612 +60,698 @@ function toFenAmount(value) {
  * 文档地址：https://vkdoc.fsq.pub/client/uniCloud/cloudfunctions/cloudObject.html#内置权限
  */
 var cloudObject = {
-    isCloudObject: true, // 标记为云对象模式
-    /**
-     * 请求前处理，主要用于调用方法之前进行预处理，一般用于拦截器、统一的身份验证、参数校验、定义全局对象等。
-     * 文档地址：https://vkdoc.fsq.pub/client/uniCloud/cloudfunctions/cloudObject.html#before-预处理
-     */
-    _before: async function () {
-        vk = this.vk; // 将vk定义为全局对象
-        // let { customUtil, uniID, config, pubFun } = this.getUtil(); // 获取工具包
-    },
-    /**
-     * 请求后处理，主要用于处理本次调用方法的返回结果或者抛出的错误
-     * 文档地址：https://vkdoc.fsq.pub/client/uniCloud/cloudfunctions/cloudObject.html#after-后处理
-     */
-    _after: async function (options) {
-        let {err, res} = options;
-        if (err) {
-            return; // 如果方法抛出错误，直接return;不处理
-        }
-        return res;
-    },
-    /**
-     * 获取列表
-     * @url client/payment.getList 前端调用的url参数地址
-     */
-    pub_payNotify: async function (data) {
-        let res = {code: 0, msg: ''};
-        // 业务逻辑开始-----------------------------------------------------------
-        console.log("pay notify data", data)
-        let orderNo = data.billNo
-        if (!orderNo) orderNo = data.merOrderId
-        let payTime = null, payAmount = null, payNo = null
-        if (data.billPayment) {
-            const billPayment = JSON.parse(data.billPayment)
-            payTime = pickFirstDefined(billPayment.payTime, data.payTime, data.createTime)
-            payAmount = toFenAmount(pickFirstDefined(billPayment.receiptAmount, billPayment.totalAmount, data.receiptAmount, data.totalAmount))
-            payNo = pickFirstDefined(billPayment.paySeqId, billPayment.seqId, data.seqId, data.targetOrderId)
-        } else {
-            payTime = pickFirstDefined(data.payTime, data.createTime)
-            payAmount = toFenAmount(pickFirstDefined(data.receiptAmount, data.totalAmount))
-            payNo = pickFirstDefined(data.seqId, data.targetOrderId)
-        }
-        const isPaid = data.billStatus === 'PAID' || data.status === 'TRADE_SUCCESS'
+	isCloudObject: true, // 标记为云对象模式
+	/**
+	 * 请求前处理，主要用于调用方法之前进行预处理，一般用于拦截器、统一的身份验证、参数校验、定义全局对象等。
+	 * 文档地址：https://vkdoc.fsq.pub/client/uniCloud/cloudfunctions/cloudObject.html#before-预处理
+	 */
+	_before: async function() {
+		vk = this.vk; // 将vk定义为全局对象
+		// let { customUtil, uniID, config, pubFun } = this.getUtil(); // 获取工具包
+	},
+	/**
+	 * 请求后处理，主要用于处理本次调用方法的返回结果或者抛出的错误
+	 * 文档地址：https://vkdoc.fsq.pub/client/uniCloud/cloudfunctions/cloudObject.html#after-后处理
+	 */
+	_after: async function(options) {
+		let {
+			err,
+			res
+		} = options;
+		if (err) {
+			return; // 如果方法抛出错误，直接return;不处理
+		}
+		return res;
+	},
+	/**
+	 * 获取列表
+	 * @url client/payment.getList 前端调用的url参数地址
+	 */
+	pub_payNotify: async function(data) {
+		console.log("=== 支付回调触发 ===", JSON.stringify(data));
+		    console.log("订单号:", data.billNo || data.merOrderId);
+		    console.log("支付状态:", data.billStatus);
+		let res = {
+			code: 0,
+			msg: ''
+		};
+		// 业务逻辑开始-----------------------------------------------------------
+		console.log("pay notify data", data)
+		let orderNo = data.billNo
+		if (!orderNo) orderNo = data.merOrderId
+		let payTime = null,
+			payAmount = null,
+			payNo = null
+		if (data.billPayment) {
+			const billPayment = JSON.parse(data.billPayment)
+			payTime = pickFirstDefined(billPayment.payTime, data.payTime, data.createTime)
+			payAmount = toFenAmount(pickFirstDefined(billPayment.receiptAmount, billPayment.totalAmount, data
+				.receiptAmount, data.totalAmount))
+			payNo = pickFirstDefined(billPayment.paySeqId, billPayment.seqId, data.seqId, data.targetOrderId)
+		} else {
+			payTime = pickFirstDefined(data.payTime, data.createTime)
+			payAmount = toFenAmount(pickFirstDefined(data.receiptAmount, data.totalAmount))
+			payNo = pickFirstDefined(data.seqId, data.targetOrderId)
+		}
+		const isPaid = data.billStatus === 'PAID' || data.status === 'TRADE_SUCCESS'
 
-        const payRecord = await vk.baseDao.findByWhereJson({
-            dbName: "jjx-order-pay-list",
-            whereJson: {
-                orderNo
-            }
-        });
-        if (payRecord && isPaid) {
-            const order = await vk.baseDao.findById({
-                dbName: "jjx-order",
-                id: payRecord.orderId
-            });
-            if (!payRecord.hasPaid) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order-pay-list",
-                    id: payRecord._id,
-                    dataJson: {
-                        hasPaid: true,
-                        paidAt: payTime,
-                        payAmount,
-                        payNo,
-                        paidVoucher: "",
-                        buyerRemark: payRecord.isNotaryFullPay ? "公证支付" : payRecord.buyerRemark,
-                        sellerConfirm: payRecord.isNotaryFullPay ? true : payRecord.sellerConfirm,
-                        confirmAt: payRecord.isNotaryFullPay ? payTime : payRecord.confirmAt,
-                        payNotifyData: data
-                    }
-                });
-                if (payRecord.isNotaryFullPay) {
-                    await notaryPay.notifyPaySuccess({
-                        vk,
-                        payRecord,
-                        order
-                    });
-                }
-            }
-            if (order) {
-                const orderUpdate = {
-                    orderStatus: order.orderStatus > 0 ? order.orderStatus : 1,
-                    payTime,
-                    payAmount,
-                    payNo,
-                };
-                if (payRecord.isNotaryFullPay) {
-                    orderUpdate.notaryPayStatus = 1;
-                    orderUpdate.notaryPaidAt = payTime;
-                    orderUpdate.notaryPaidAmount = payAmount;
-                    orderUpdate.notaryPayListId = payRecord._id;
-                    orderUpdate.notaryPayOrderNo = orderNo;
-                    orderUpdate.payStatus = 2;
-                }
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: orderUpdate
-                });
-            }
-            return res;
-        }
+		const payRecord = await vk.baseDao.findByWhereJson({
+			dbName: "jjx-order-pay-list",
+			whereJson: {
+				orderNo
+			}
+		});
+		if (payRecord && isPaid) {
+			const order = await vk.baseDao.findById({
+				dbName: "jjx-order",
+				id: payRecord.orderId
+			});
+			if (!payRecord.hasPaid) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order-pay-list",
+					id: payRecord._id,
+					dataJson: {
+						hasPaid: true,
+						paidAt: payTime,
+						payAmount,
+						payNo,
+						paidVoucher: "",
+						buyerRemark: payRecord.isNotaryFullPay ? "公证支付" : payRecord.buyerRemark,
+						sellerConfirm: payRecord.isNotaryFullPay ? true : payRecord.sellerConfirm,
+						confirmAt: payRecord.isNotaryFullPay ? payTime : payRecord.confirmAt,
+						payNotifyData: data
+					}
+				});
+				if (payRecord.isNotaryFullPay) {
+					await notaryPay.notifyPaySuccess({
+						vk,
+						payRecord,
+						order
+					});
+				}
+			}
+			if (order) {
+				const orderUpdate = {
+					orderStatus: order.orderStatus > 0 ? order.orderStatus : 1,
+					payTime,
+					payAmount,
+					payNo,
+				};
+				if (payRecord.isNotaryFullPay) {
+					orderUpdate.notaryPayStatus = 1;
+					orderUpdate.notaryPaidAt = payTime;
+					orderUpdate.notaryPaidAmount = payAmount;
+					orderUpdate.notaryPayListId = payRecord._id;
+					orderUpdate.notaryPayOrderNo = orderNo;
+					orderUpdate.payStatus = 2;
+				}
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: orderUpdate
+				});
+			}
+			return res;
+		}
 
-        let order = await vk.baseDao.findByWhereJson({
-            dbName: "jjx-order",
-            whereJson: {
-                orderNo
-            }
-        });
+		let order = await vk.baseDao.findByWhereJson({
+			dbName: "jjx-order",
+			whereJson: {
+				orderNo
+			}
+		});
 
-        // type 0: 商品
-        // type 1: 自营
-        // type 2: 保证金
-        // type 3: 会员升级
-        // type 7: 询价次数
+		// type 0: 商品
+		// type 1: 自营
+		// type 2: 保证金
+		// type 3: 会员升级
+		// type 7: 询价次数
 
-        // orderStatus 0待支付  1已支付待发货  2已发货待收货  3已收货待完成   4已完成  5退款审核中  6退款成功   7退款失败
-        if (order && order.orderStatus === 0 && isPaid) {
+		// orderStatus 0待支付  1已支付待发货  2已发货待收货  3已收货待完成   4已完成  5退款审核中  6退款成功   7退款失败
+		if (order && order.orderStatus === 0 && isPaid) {
 
-            await vk.baseDao.updateById({
-                dbName: "jjx-order",
-                id: order._id,
-                dataJson: {
-                    orderStatus: 1,
-                    payTime,
-                    payAmount,
-                    payNo,
-                }
-            });
+			await vk.baseDao.updateById({
+				dbName: "jjx-order",
+				id: order._id,
+				dataJson: {
+					orderStatus: 1,
+					payTime,
+					payAmount,
+					payNo,
+				}
+			});
 
-            if (![4, 5, 6].includes(order.type)) {
-                const incomeAmount = normalizeAmount(payAmount);
-                const orderTypeName = orderTypeList[order.type] || `类型${order.type}`;
-                const balanceInfo = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-balance",
-                    whereJson: {
-                        _id: BALANCE_DOC_ID
-                    }
-                });
-                if (!balanceInfo) {
-                    throw new Error(`jjx-balance余额记录不存在: ${BALANCE_DOC_ID}`);
-                }
+			if (![4, 5, 6].includes(order.type)) {
+				const incomeAmount = normalizeAmount(payAmount);
+				const orderTypeName = orderTypeList[order.type] || `类型${order.type}`;
+				const balanceInfo = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-balance",
+					whereJson: {
+						_id: BALANCE_DOC_ID
+					}
+				});
+				if (!balanceInfo) {
+					throw new Error(`jjx-balance余额记录不存在: ${BALANCE_DOC_ID}`);
+				}
 
-                await vk.baseDao.add({
-                    dbName: "jjx-balance-log",
-                    dataJson: {
-                        description: `${orderTypeName}-订单支付入账-${order.orderNo}`,
-                        amount: incomeAmount,
-                        type: "income",
-                        logTime: payTime ? new Date(payTime).getTime() : Date.now(),
-                        operatorId: order.uid || "",
-                        source: "order_pay",
-                        orderId: order._id,
-                        orderNo: order.orderNo
-                    }
-                });
+				await vk.baseDao.add({
+					dbName: "jjx-balance-log",
+					dataJson: {
+						description: `${orderTypeName}-订单支付入账-${order.orderNo}`,
+						amount: incomeAmount,
+						type: "income",
+						logTime: payTime ? new Date(payTime).getTime() : Date.now(),
+						operatorId: order.uid || "",
+						source: "order_pay",
+						orderId: order._id,
+						orderNo: order.orderNo
+					}
+				});
 
-                await vk.baseDao.updateById({
-                    dbName: "jjx-balance",
-                    id: BALANCE_DOC_ID,
-                    dataJson: {
-                        balance: _.inc(incomeAmount),
-                        _update_time: Date.now()
-                    }
-                });
-            }
+				await vk.baseDao.updateById({
+					dbName: "jjx-balance",
+					id: BALANCE_DOC_ID,
+					dataJson: {
+						balance: _.inc(incomeAmount),
+						_update_time: Date.now()
+					}
+				});
+			}
 
-            if ([2, 3, 11, 12, 13].includes(order.type)) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        orderStatus: 4
-                    }
-                });
-            }
+			if ([2, 3, 11, 12, 13,20].includes(order.type)) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
+			}
 
-            if (order.type === 0) {
-                const goodsList = await vk.baseDao.select({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                for (let i = 0; i < goodsList.rows.length; i++) {
-                    const orderGoods = goodsList.rows[i];
-                    const goods = await vk.baseDao.findByWhereJson({
-                        dbName: "jjx-goods",
-                        whereJson: {
-                            _id: orderGoods.goodsId,
-                        }
-                    });
-                    if (!goods.sales) {
-                        await vk.baseDao.updateById({
-                            dbName: "jjx-goods",
-                            id: orderGoods.goodsId,
-                            dataJson: {
-                                sales: 1,
-                            }
-                        });
-                    } else {
-                        await vk.baseDao.updateById({
-                            dbName: "jjx-goods",
-                            id: orderGoods.goodsId,
-                            dataJson: {
-                                sales: _.inc(1),
-                            }
-                        })
-                    }
-                }
-            }
-            if (order.type === 2) {
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                const user = await vk.baseDao.findByWhereJson({
-                    dbName: "uni-id-users",
-                    whereJson: {
-                        _id: order.uid,
-                    }
-                });
-                if (!user.paidEnsure) {
-                    await vk.baseDao.updateById({
-                        dbName: "uni-id-users",
-                        id: order.uid,
-                        dataJson: {
-                            paidEnsure: goods.goodsPrice,
-                        }
-                    });
-                } else {
-                    await vk.baseDao.updateById({
-                        dbName: "uni-id-users",
-                        id: order.uid,
-                        dataJson: {
-                            paidEnsure: _.inc(goods.goodsPrice),
-                        }
-                    });
-                }
-            } else if (order.type === 3) {
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                const userLevelConfig = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-user-level",
-                    whereJson: {
-                        level: goods.goodsId,
-                    }
-                });
-                let paidEnsure = 0
-                if (goods.goodsId === 3) {
-                    paidEnsure = [50000, 100000, 200000][order.ensureIndex]
-                }
-                const dataJson = {
-                    userLevel: goods.goodsId,
-                    userGrade: 0,
-                    upgradeExpiredAt: vk.pubfn.getOffsetTime(new Date(), {
-                        year: 1,
-                        mode: "after",
-                    }),
-                    paidEnsure: _.inc(paidEnsure),
-                }
-                if (userLevelConfig.ensureAmount && userLevelConfig.ensureAmount > 0) {
-                    dataJson.paidEnsure = _.inc(userLevelConfig.ensureAmount)
-                }
-                const user = await vk.baseDao.updateAndReturn({
-                    dbName: "uni-id-users",
-                    whereJson: {
-                        _id: order.uid,
-                    },
-                    dataJson
-                });
-                const messageConfig = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-message-config",
-                    dataJson: {
-                        uid: order.uid
-                    }
-                });
+			if (order.type === 0) {
+				const goodsList = await vk.baseDao.select({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				for (let i = 0; i < goodsList.rows.length; i++) {
+					const orderGoods = goodsList.rows[i];
+					const goods = await vk.baseDao.findByWhereJson({
+						dbName: "jjx-goods",
+						whereJson: {
+							_id: orderGoods.goodsId,
+						}
+					});
+					if (!goods.sales) {
+						await vk.baseDao.updateById({
+							dbName: "jjx-goods",
+							id: orderGoods.goodsId,
+							dataJson: {
+								sales: 1,
+							}
+						});
+					} else {
+						await vk.baseDao.updateById({
+							dbName: "jjx-goods",
+							id: orderGoods.goodsId,
+							dataJson: {
+								sales: _.inc(1),
+							}
+						})
+					}
+				}
+			}
+			if (order.type === 2) {
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				const user = await vk.baseDao.findByWhereJson({
+					dbName: "uni-id-users",
+					whereJson: {
+						_id: order.uid,
+					}
+				});
+				if (!user.paidEnsure) {
+					await vk.baseDao.updateById({
+						dbName: "uni-id-users",
+						id: order.uid,
+						dataJson: {
+							paidEnsure: goods.goodsPrice,
+						}
+					});
+				} else {
+					await vk.baseDao.updateById({
+						dbName: "uni-id-users",
+						id: order.uid,
+						dataJson: {
+							paidEnsure: _.inc(goods.goodsPrice),
+						}
+					});
+				}
+			} else if (order.type === 3) {
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				const userLevelConfig = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-user-level",
+					whereJson: {
+						level: goods.goodsId,
+					}
+				});
+				let paidEnsure = 0
+				if (goods.goodsId === 3) {
+					paidEnsure = [50000, 100000, 200000][order.ensureIndex]
+				}
+				const dataJson = {
+					userLevel: goods.goodsId,
+					userGrade: 0,
+					upgradeExpiredAt: vk.pubfn.getOffsetTime(new Date(), {
+						year: 1,
+						mode: "after",
+					}),
+					paidEnsure: _.inc(paidEnsure),
+				}
+				if (userLevelConfig.ensureAmount && userLevelConfig.ensureAmount > 0) {
+					dataJson.paidEnsure = _.inc(userLevelConfig.ensureAmount)
+				}
+				const user = await vk.baseDao.updateAndReturn({
+					dbName: "uni-id-users",
+					whereJson: {
+						_id: order.uid,
+					},
+					dataJson
+				});
+				const messageConfig = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-message-config",
+					dataJson: {
+						uid: order.uid
+					}
+				});
 
-                if (!messageConfig) {
-                    await vk.baseDao.add({
-                        dbName: "jjx-message-config",
-                        dataJson: {
-                            uid: order.uid,
-                            article: true,
-                            process: true,
-                            old: true,
-                            enquiry: true,
-                            productList: [],
-                            addressRegion: {}
-                        }
-                    })
-                }
-            } else if (order.type === 7) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        orderStatus: 4
-                    }
-                });
+				if (!messageConfig) {
+					await vk.baseDao.add({
+						dbName: "jjx-message-config",
+						dataJson: {
+							uid: order.uid,
+							article: true,
+							process: true,
+							old: true,
+							enquiry: true,
+							productList: [],
+							addressRegion: {}
+						}
+					})
+				}
+			} else if (order.type === 7) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
 
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                // 单次
-                if (goods.goodsId === '6587b034466d41a591df881c') {
-                    // 仅针对单条询价次数
-                    if (goods.isSingleQuote) {
-                        const checkData = await vk.baseDao.findByWhereJson({
-                            dbName: "jjx-user-quote-num",
-                            whereJson: {
-                                uid: order.uid,
-                                type: goods.type,
-                                sheetId: goods.sheetId,
-                            }
-                        });
-                        await vk.baseDao.add({
-                            dbName: "jjx-user-quote-num",
-                            dataJson: {
-                                num: checkData ? _.inc(1) : 1,
-                                type: goods.type,
-                                sheetId: goods.sheetId,
-                                uid: order.uid,
-                            }
-                        });
-                    } else {
-                        await vk.baseDao.updateById({
-                            dbName: "uni-id-users",
-                            id: order.uid,
-                            dataJson: {
-                                remainQuoteNum: _.inc(1)
-                            }
-                        });
-                    }
-                } else {
-                    const amountItem = await vk.baseDao.findById({
-                        dbName: 'jjx-quote-num-config',
-                        id: goods.goodsId
-                    })
-                    const user = await vk.baseDao.findById({
-                        dbName: "uni-id-users",
-                        id: order.uid
-                    });
-                    let quoteExpiredAt = vk.pubfn.getOffsetTime(new Date(), {
-                        day: amountItem.day,
-                        mode: "after",
-                    })
-                    if (user.quoteExpiredAt) {
-                        if (dayjs(user.quoteExpiredAt).isAfter(dayjs())) {
-                            vk.pubfn.getOffsetTime(dayjs(user.quoteExpiredAt).toDate(), {
-                                day: amountItem.day,
-                                mode: "after",
-                            })
-                        }
-                    }
-                    await vk.baseDao.updateById({
-                        dbName: "uni-id-users",
-                        id: order.uid,
-                        dataJson: {
-                            quoteExpiredAt
-                        }
-                    });
-                }
-            } else if (order.type === 8) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        orderStatus: 4
-                    }
-                });
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				// 单次
+				if (goods.goodsId === '6587b034466d41a591df881c') {
+					// 仅针对单条询价次数
+					if (goods.isSingleQuote) {
+						const checkData = await vk.baseDao.findByWhereJson({
+							dbName: "jjx-user-quote-num",
+							whereJson: {
+								uid: order.uid,
+								type: goods.type,
+								sheetId: goods.sheetId,
+							}
+						});
+						await vk.baseDao.add({
+							dbName: "jjx-user-quote-num",
+							dataJson: {
+								num: checkData ? _.inc(1) : 1,
+								type: goods.type,
+								sheetId: goods.sheetId,
+								uid: order.uid,
+							}
+						});
+					} else {
+						await vk.baseDao.updateById({
+							dbName: "uni-id-users",
+							id: order.uid,
+							dataJson: {
+								remainQuoteNum: _.inc(1)
+							}
+						});
+					}
+				} else {
+					const amountItem = await vk.baseDao.findById({
+						dbName: 'jjx-quote-num-config',
+						id: goods.goodsId
+					})
+					const user = await vk.baseDao.findById({
+						dbName: "uni-id-users",
+						id: order.uid
+					});
+					let quoteExpiredAt = vk.pubfn.getOffsetTime(new Date(), {
+						day: amountItem.day,
+						mode: "after",
+					})
+					if (user.quoteExpiredAt) {
+						if (dayjs(user.quoteExpiredAt).isAfter(dayjs())) {
+							vk.pubfn.getOffsetTime(dayjs(user.quoteExpiredAt).toDate(), {
+								day: amountItem.day,
+								mode: "after",
+							})
+						}
+					}
+					await vk.baseDao.updateById({
+						dbName: "uni-id-users",
+						id: order.uid,
+						dataJson: {
+							quoteExpiredAt
+						}
+					});
+				}
+			} else if (order.type === 8) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
 
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
 
-                const hasData = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-spot-ad",
-                    whereJson: {
-                        uid: order.uid,
-                        province: goods.goodsId
-                    }
-                })
+				const hasData = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-spot-ad",
+					whereJson: {
+						uid: order.uid,
+						province: goods.goodsId
+					}
+				})
 
-                let topExpiredAt = vk.pubfn.getOffsetTime(new Date(), {
-                    month: goods.num,
-                    mode: "after",
-                })
+				let topExpiredAt = vk.pubfn.getOffsetTime(new Date(), {
+					month: goods.num,
+					mode: "after",
+				})
 
-                if (!hasData) {
-                    await vk.baseDao.add({
-                        dbName: "jjx-spot-ad",
-                        dataJson: {
-                            uid: order.uid,
-                            province: goods.goodsId,
-                            topExpiredAt
-                        }
-                    })
-                } else {
-                    topExpiredAt = vk.pubfn.getOffsetTime(hasData.topExpiredAt, {
-                        month: goods.num,
-                        mode: "after",
-                    })
-                    await vk.baseDao.updateById({
-                        dbName: "jjx-spot-ad",
-                        id: hasData._id,
-                        dataJson: {
-                            topExpiredAt
-                        }
-                    })
-                }
+				if (!hasData) {
+					await vk.baseDao.add({
+						dbName: "jjx-spot-ad",
+						dataJson: {
+							uid: order.uid,
+							province: goods.goodsId,
+							topExpiredAt
+						}
+					})
+				} else {
+					topExpiredAt = vk.pubfn.getOffsetTime(hasData.topExpiredAt, {
+						month: goods.num,
+						mode: "after",
+					})
+					await vk.baseDao.updateById({
+						dbName: "jjx-spot-ad",
+						id: hasData._id,
+						dataJson: {
+							topExpiredAt
+						}
+					})
+				}
 
-                await vk.baseDao.updateById({
-                    dbName: "jjx-spot-goods",
-                    id: goods.pk,
-                    dataJson: {
-                        topExpiredAt
-                    }
-                });
-            } else if (order.type === 9) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        orderStatus: 4
-                    }
-                });
+				await vk.baseDao.updateById({
+					dbName: "jjx-spot-goods",
+					id: goods.pk,
+					dataJson: {
+						topExpiredAt
+					}
+				});
+			} else if (order.type === 9) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
 
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
 
-                await vk.baseDao.updateById({
-                    dbName: "jjx-old",
-                    id: goods.goodsId,
-                    dataJson: {
-                        isUrgent: true
-                    }
-                })
-            } else if (order.type === 10) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        orderStatus: 4
-                    }
-                });
+				await vk.baseDao.updateById({
+					dbName: "jjx-old",
+					id: goods.goodsId,
+					dataJson: {
+						isUrgent: true
+					}
+				})
+			} else if (order.type === 10) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
 
-                await vk.baseDao.updateById({
-                    dbName: "uni-id-users",
-                    id: order.uid,
-                    dataJson: {
-                        remainOldNum: _.inc(1)
-                    }
-                });
-            } else if (order.type === 11) {
-                await vk.baseDao.updateById({
-                    dbName: "uni-id-users",
-                    id: order.uid,
-                    dataJson: {
-                        remainArticleDownloadNum: _.inc(1)
-                    }
-                });
-            } else if (order.type === 12) {
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                const contract = await vk.baseDao.findById({
-                    dbName: "jjx-contract",
-                    id: goods.goodsId
-                });
-                const canDownloadUidList = []
-                if (!contract.canDownloadUidList) {
-                    canDownloadUidList.push(order.uid)
-                } else {
-                    canDownloadUidList.push(...contract.canDownloadUidList, order.uid)
-                }
-                await vk.baseDao.updateById({
-                    dbName: "jjx-contract",
-                    id: goods.goodsId,
-                    dataJson: {
-                        canDownloadUidList
-                    }
-                });
-                await vk.baseDao.update({
-                    dbName: "jjx-certificate",
-                    whereJson: {
-                        contractId: goods.goodsId
-                    },
-                    dataJson: {
-                        status: 1,
-                        paidConfirm: true
-                    }
-                });
+				await vk.baseDao.updateById({
+					dbName: "uni-id-users",
+					id: order.uid,
+					dataJson: {
+						remainOldNum: _.inc(1)
+					}
+				});
+			} else if (order.type === 11) {
+				await vk.baseDao.updateById({
+					dbName: "uni-id-users",
+					id: order.uid,
+					dataJson: {
+						remainArticleDownloadNum: _.inc(1)
+					}
+				});
+			} else if (order.type === 12) {
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				const contract = await vk.baseDao.findById({
+					dbName: "jjx-contract",
+					id: goods.goodsId
+				});
+				const canDownloadUidList = []
+				if (!contract.canDownloadUidList) {
+					canDownloadUidList.push(order.uid)
+				} else {
+					canDownloadUidList.push(...contract.canDownloadUidList, order.uid)
+				}
+				await vk.baseDao.updateById({
+					dbName: "jjx-contract",
+					id: goods.goodsId,
+					dataJson: {
+						canDownloadUidList
+					}
+				});
+				await vk.baseDao.update({
+					dbName: "jjx-certificate",
+					whereJson: {
+						contractId: goods.goodsId
+					},
+					dataJson: {
+						status: 1,
+						paidConfirm: true
+					}
+				});
 
-                const certificate = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-certificate",
-                    whereJson: {
-                        contractId: goods.goodsId,
-                        uid: order.uid
-                    }
-                });
-                if (certificate.invoiceTypes !== 'none') {
-                    await vk.baseDao.updateById({
-                        dbName: "jjx-order",
-                        id: order._id,
-                        dataJson: {
-                            isInvoice: 1,
-                            name: certificate.companyName,
-                            code: certificate.taxNumber,
-                            phone: certificate.phone,
-                        }
-                    });
-                }
+				const certificate = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-certificate",
+					whereJson: {
+						contractId: goods.goodsId,
+						uid: order.uid
+					}
+				});
+				if (certificate.invoiceTypes !== 'none') {
+					await vk.baseDao.updateById({
+						dbName: "jjx-order",
+						id: order._id,
+						dataJson: {
+							isInvoice: 1,
+							name: certificate.companyName,
+							code: certificate.taxNumber,
+							phone: certificate.phone,
+						}
+					});
+				}
 
-            } else if (order.type === 13) {
-                const goods = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-order-goods",
-                    whereJson: {
-                        orderId: order._id,
-                    }
-                });
-                const qyb = await vk.baseDao.findByWhereJson({
-                    dbName: "jjx-qyb",
-                    whereJson: {
-                        _id: goods.goodsId
-                    }
-                });
-                const user = await vk.baseDao.findByWhereJson({
-                    dbName: "uni-id-users",
-                    whereJson: {
-                        _id: order.uid,
-                    }
-                });
-                const remainNum = user.qybNum + qyb.getNum;
-                await vk.baseDao.updateById({
-                    dbName: "uni-id-users",
-                    id: order.uid,
-                    dataJson: {
-                        qybNum: _.inc(qyb.getNum)
-                    }
-                });
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order",
-                    id: order._id,
-                    dataJson: {
-                        remainNum
-                    }
-                });
-            }
-        }
-        if (!order) {
-            console.log('order not found')
-            order = await vk.baseDao.findByWhereJson({
-                dbName: "jjx-order-pay-list",
-                whereJson: {
-                    orderNo
-                }
-            });
-            console.log('pay list order data', order)
-            if (order && !order.sellerConfirm && (data.billStatus === 'PAID' || data.status === 'TRADE_SUCCESS')) {
-                await vk.baseDao.updateById({
-                    dbName: "jjx-order-pay-list",
-                    id: order._id,
-                    dataJson: {
-                        // sellerConfirm: true,
-                        hasPaid: true,
-                        paidAt: vk.pubfn.timeFormat(new Date(), "yyyy-MM-dd hh:mm:ss"),
-                        // confirmAt: vk.pubfn.timeFormat(new Date(), "yyyy-MM-dd hh:mm:ss"),
-                    }
-                });
-            }
-        }
-        // 业务逻辑结束-----------------------------------------------------------
-        return res;
-    },
-    /**
-     * 模板函数
-     * @url client/payment.test 前端调用的url参数地址
-     */
-    test: async function (data) {
-        let res = {code: 0, msg: ''};
-        let {uid} = this.getClientInfo(); // 获取客户端信息
-        // 业务逻辑开始-----------------------------------------------------------
+			} else if (order.type === 13) {
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id,
+					}
+				});
+				const qyb = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-qyb",
+					whereJson: {
+						_id: goods.goodsId
+					}
+				});
+				const user = await vk.baseDao.findByWhereJson({
+					dbName: "uni-id-users",
+					whereJson: {
+						_id: order.uid,
+					}
+				});
+				const remainNum = user.qybNum + qyb.getNum;
+				await vk.baseDao.updateById({
+					dbName: "uni-id-users",
+					id: order.uid,
+					dataJson: {
+						qybNum: _.inc(qyb.getNum)
+					}
+				});
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						remainNum
+					}
+				});
+			} else if (order.type === 20) {
+				// 积分充值到账
+				const goods = await vk.baseDao.findByWhereJson({
+					dbName: "jjx-order-goods",
+					whereJson: {
+						orderId: order._id
+					}
+				});
+				if (goods) {
+					const points = parseInt(goods.goodsName.replace('积分充值_', '').replace('积分', ''));
+					if (points > 0) {
+						// 增加积分余额
+						const userPoints = await vk.baseDao.findByWhereJson({
+							dbName: "jjx-user-points",
+							whereJson: {
+								_id: order.uid
+							}
+						});
+						if (userPoints) {
+							await vk.baseDao.updateById({
+								dbName: "jjx-user-points",
+								id: order.uid,
+								dataJson: {
+									balance: _.inc(points),
+									total_earned: _.inc(points),
+									update_time: new Date()
+								}
+							});
+						} else {
+							await vk.baseDao.add({
+								dbName: "jjx-user-points",
+								dataJson: {
+									_id: order.uid,
+									balance: points,
+									total_earned: points,
+									total_spent: 0,
+									gift: 0,
+									update_time: new Date()
+								}
+							});
+						}
+						// 记录流水
+						const updatedPoints = await vk.baseDao.findById({
+							dbName: "jjx-user-points",
+							id: order.uid
+						});
+						await vk.baseDao.add({
+							dbName: "jjx-points-log",
+							dataJson: {
+								user_id: order.uid,
+								type: 'earn',
+								amount: points,
+								balance_after: updatedPoints ? updatedPoints.balance : points,
+								reason: '积分充值（' + order.offAmount + '元）',
+								biz_type: 'recharge',
+								biz_id: order._id,
+								_add_time: new Date()
+							}
+						});
+					}
+				}
+				await vk.baseDao.updateById({
+					dbName: "jjx-order",
+					id: order._id,
+					dataJson: {
+						orderStatus: 4
+					}
+				});
+			}
+		}
+		if (!order) {
+			console.log('order not found')
+			order = await vk.baseDao.findByWhereJson({
+				dbName: "jjx-order-pay-list",
+				whereJson: {
+					orderNo
+				}
+			});
+			console.log('pay list order data', order)
+			if (order && !order.sellerConfirm && (data.billStatus === 'PAID' || data.status ===
+				'TRADE_SUCCESS')) {
+				await vk.baseDao.updateById({
+					dbName: "jjx-order-pay-list",
+					id: order._id,
+					dataJson: {
+						// sellerConfirm: true,
+						hasPaid: true,
+						paidAt: vk.pubfn.timeFormat(new Date(), "yyyy-MM-dd hh:mm:ss"),
+						// confirmAt: vk.pubfn.timeFormat(new Date(), "yyyy-MM-dd hh:mm:ss"),
+					}
+				});
+			}
+		}
+		// 业务逻辑结束-----------------------------------------------------------
+		return res;
+	},
+	/**
+	 * 模板函数
+	 * @url client/payment.test 前端调用的url参数地址
+	 */
+	test: async function(data) {
+		let res = {
+			code: 0,
+			msg: ''
+		};
+		let {
+			uid
+		} = this.getClientInfo(); // 获取客户端信息
+		// 业务逻辑开始-----------------------------------------------------------
 
 
-        // 业务逻辑结束-----------------------------------------------------------
-        return res;
-    },
+		// 业务逻辑结束-----------------------------------------------------------
+		return res;
+	},
 };
 
-module.exports = cloudObject;
+module.exports = cloudObject;
\ No newline at end of file
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/createOrder.js b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/createOrder.js
new file mode 100644
index 0000000..576481a
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/createOrder.js
@@ -0,0 +1,39 @@
+//创建积分充值订单
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { vk, db, _ } = util;
+    const { points, price } = data; // points=积分数量 price=价格（分→元）
+
+    const amount = price / 100; // 分转元
+    const offAmount = amount;
+    const orderId = await vk.baseDao.add({
+      dbName: "jjx-order",
+      dataJson: {
+        orderNo: vk.pubfn.createOrderNo("39XU", 20),
+        uid: userInfo.uid,
+        orderStatus: 0,
+        type: 20,  // 20=积分充值
+        amount,
+        offAmount,
+        saveAmount: 0,
+        offRate: 100,
+      }
+    });
+
+    await vk.baseDao.add({
+      dbName: "jjx-order-goods",
+      dataJson: {
+        orderId,
+        goodsId: 'points_recharge',
+        num: 1,
+        goodsName: `积分充值_${points}积分`,
+        goodsPrice: amount,
+        goodsCover: null,
+      }
+    });
+
+    return { code: 0, msg: 'ok', data: orderId };
+  }
+};
+
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/deduct.js b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/deduct.js
new file mode 100644
index 0000000..d91c361
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/deduct.js
@@ -0,0 +1,47 @@
+//扣积分（合同审查用）
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { db, _ } = util;
+    const { amount, reason, biz_type, biz_id } = data;
+
+    if (!amount || amount <= 0) {
+      return { code: -1, msg: '扣减数量无效' };
+    }
+
+    // 查余额
+    const userRes = await db.collection('jjx-user-points').doc(userInfo.uid).get();
+    if (!userRes.data.length) {
+      return { code: -1, msg: '积分账户不存在，请先获取积分' };
+    }
+
+    const currentBalance = userRes.data[0].balance;
+    if (currentBalance < amount) {
+      return { code: -1, msg: '积分不足', data: { balance: currentBalance, needed: amount } };
+    }
+
+    const newBalance = currentBalance - amount;
+
+    // 扣减余额
+    await db.collection('jjx-user-points').doc(userInfo.uid).update({
+      balance: newBalance,
+      total_spent: _.inc(amount),
+      update_time: new Date()
+    });
+
+    // 记录流水
+    await db.collection('jjx-points-log').add({
+      user_id: userInfo.uid,
+      type: 'spend',
+      amount: -amount,
+      balance_after: newBalance,
+      reason: reason || '积分消耗',
+      biz_type: biz_type || 'other',
+      biz_id: biz_id || '',
+      _add_time: new Date()
+    });
+
+    return { code: 0, msg: 'ok', data: { balance: newBalance } };
+  }
+};
+
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getBalance.js b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getBalance.js
new file mode 100644
index 0000000..7d39a54
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getBalance.js
@@ -0,0 +1,37 @@
+// 获取积分余额
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { db, _ } = util;
+	//默认积分500
+	let amount = 500;
+
+    const res = await db.collection('jjx-user-points').doc(userInfo.uid).get();
+
+    if (res.data.length === 0) {
+      // 新用户，自动赠送 500 积分
+      await db.collection('jjx-user-points').add({
+        _id: userInfo.uid,
+        balance: amount,
+        total_earned: amount,
+        total_spent: 0,
+        gift: amount,
+        update_time: new Date()
+      });
+
+      await db.collection('jjx-points-log').add({
+        user_id: userInfo.uid,
+        type: 'earn',
+        amount: amount,
+        balance_after: amount,
+        reason: '新用户注册赠送',
+        biz_type: 'gift',
+        _add_time: new Date()
+      });
+
+      return { code: 0, msg: 'ok', data: { balance: amount, total_earned: amount, total_spent: 0, gift: amount } };
+    }
+
+    return { code: 0, msg: 'ok', data: res.data[0] };
+  }
+};
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getLog.js b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getLog.js
new file mode 100644
index 0000000..b9d7e61
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/getLog.js
@@ -0,0 +1,40 @@
+//查询积分流水
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { vk, db, _ } = util;
+    const { pageIndex = 1, pageSize = 50, biz_type } = data;
+
+    console.log('getLog uid:', userInfo.uid);
+
+    // 先查全部看看有没有数据
+    const allRes = await db.collection('jjx-points-log').limit(5).get();
+    console.log('getLog all data count:', allRes.data.length);
+    if (allRes.data.length > 0) {
+      console.log('getLog first record:', JSON.stringify(allRes.data[0]));
+    }
+
+    const where = { user_id: userInfo.uid };
+    if (biz_type) where.biz_type = biz_type;
+
+    const countRes = await db.collection('jjx-points-log').where(where).count();
+    console.log('getLog filtered count:', countRes.total);
+
+    const listRes = await db.collection('jjx-points-log')
+      .where(where)
+      .orderBy('_add_time', 'desc')
+      .skip((pageIndex - 1) * pageSize)
+      .limit(pageSize)
+      .get();
+
+    return {
+      code: 0,
+      msg: 'ok',
+      data: {
+        total: countRes.total,
+        rows: listRes.data
+      }
+    };
+  }
+};
+
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/recharge.js b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/recharge.js
new file mode 100644
index 0000000..0a10527
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/points/kh/recharge.js
@@ -0,0 +1,55 @@
+//积分充值
+module.exports = {
+  main: async (event) => {
+    let { data = {}, userInfo, util } = event;
+    let { db, _ } = util;
+    const { order_id } = data;
+
+    if (!order_id) {
+      return { code: -1, msg: '缺少订单ID' };
+    }
+
+    // 查订单
+    const orderRes = await db.collection('vk-pay-orders').doc(order_id).get();
+    if (!orderRes.data.length) {
+      return { code: -1, msg: '订单不存在' };
+    }
+
+    const order = orderRes.data[0];
+    if (order.status !== 1) {
+      return { code: -1, msg: '订单未支付' };
+    }
+
+    // 解析充值积分数量
+    const attachedData = JSON.parse(order.attached_data || '{}');
+    const points = attachedData.points;
+    if (!points) {
+      return { code: -1, msg: '订单数据异常' };
+    }
+
+    // 增加余额
+    await db.collection('jjx-user-points').doc(userInfo.uid).update({
+      balance: _.inc(points),
+      total_earned: _.inc(points),
+      update_time: new Date()
+    });
+
+    // 查最新余额
+    const userRes = await db.collection('jjx-user-points').doc(userInfo.uid).get();
+    const balance = userRes.data[0].balance;
+
+    // 记录流水
+    await db.collection('jjx-points-log').add({
+      user_id: userInfo.uid,
+      type: 'earn',
+      amount: points,
+      balance_after: balance,
+      reason: '积分充值（' + (order.total_fee / 100) + '元）',
+      biz_type: 'recharge',
+      biz_id: order_id,
+      _add_time: new Date()
+    });
+
+    return { code: 0, msg: 'ok', data: { balance, points_added: points } };
+  }
+};
diff --git a/uniCloud-tcb/cloudfunctions/router/service/common/公共逻辑（公共接口）.md b/uniCloud-tcb/cloudfunctions/router/service/common/公共逻辑（公共接口）.md
new file mode 100644
index 0000000..e69de29
diff --git a/uniCloud-tcb/cloudfunctions/router/service/template/test/sys/test.js b/uniCloud-tcb/cloudfunctions/router/service/template/test/sys/test.js
new file mode 100644
index 0000000..0fec407
--- /dev/null
+++ b/uniCloud-tcb/cloudfunctions/router/service/template/test/sys/test.js
@@ -0,0 +1,20 @@
+module.exports = {
+	/**
+	 * 此函数名称
+	 * @url template/test/sys/test 前端调用的url参数地址
+	 * data 请求参数 说明
+	 * res 返回参数说明
+	 * @params {Number} code 错误码，0表示成功
+	 * @params {String} msg 详细信息
+	 */
+	main: async (event) => {
+		let { data = {}, userInfo, util, originalParam } = event;
+		let { uniID, config, pubFun, vk , db, _ } = util;
+		let { uid } = data;
+		let res = { code : 0, msg : '' };
+		// 业务逻辑开始-----------------------------------------------------------
+    res.msg = "ok";
+		// 业务逻辑结束-----------------------------------------------------------
+		return res;
+	}
+}
diff --git a/uniCloud-tcb/database/jjx-points-log.schema.json b/uniCloud-tcb/database/jjx-points-log.schema.json
new file mode 100644
index 0000000..20e7ebd
--- /dev/null
+++ b/uniCloud-tcb/database/jjx-points-log.schema.json
@@ -0,0 +1 @@
+{"bsonType":"object","required":[],"properties":{"_id":{"description":"记录ID，系统自动生成","bsonType":"string"},"user_id":{"bsonType":"string","title":"用户ID","description":"关联 uni-id-users._id","foreignKey":"uni-id-users._id"},"type":{"bsonType":"string","title":"变动类型","description":"earn=获得 spend=消耗","enum":[{"text":"获得","value":"earn"},{"text":"消耗","value":"spend"}]},"amount":{"bsonType":"number","title":"变动数量","description":"正数为获得，负数为消耗"},"balance_after":{"bsonType":"number","title":"变动后余额","description":"本次变动后的积分余额"},"reason":{"bsonType":"string","title":"变动原因","description":"如：新用户赠送、积分充值、合同审查消耗","trim":"both"},"biz_type":{"bsonType":"string","title":"业务类型","description":"关联的业务类型","enum":[{"text":"赠送","value":"gift"},{"text":"充值","value":"recharge"},{"text":"合同审查","value":"contract_review"},{"text":"签到","value":"checkin"},{"text":"其他","value":"other"}]},"biz_id":{"bsonType":"string","title":"业务ID","description":"关联的业务记录ID（如订单ID）"},"_add_time":{"bsonType":"date","title":"创建时间","description":"记录创建时间，系统自动填充"}}}
\ No newline at end of file
diff --git a/uniCloud-tcb/database/jjx-review-records.schema.json b/uniCloud-tcb/database/jjx-review-records.schema.json
new file mode 100644
index 0000000..6bbfb24
--- /dev/null
+++ b/uniCloud-tcb/database/jjx-review-records.schema.json
@@ -0,0 +1 @@
+{"bsonType":"object","required":[],"properties":{"_id":{"description":"记录ID，系统自动生成","bsonType":"string"},"user_id":{"bsonType":"string","title":"用户ID","description":"关联 uni-id-users._id","foreignKey":"uni-id-users._id"},"file_name":{"bsonType":"string","title":"文件名","description":"上传的合同文件名","trim":"both"},"file_size":{"bsonType":"number","title":"文件大小","description":"文件大小（字节）"},"file_id":{"bsonType":"string","title":"扣子文件ID","description":"上传到扣子后的 file_id"},"file_url":{"bsonType":"string","title":"文件预览地址","description":"uniCloud 云存储临时链接，用于查看\/下载原文件"},"html_url":{"bsonType":"string","title":"HTML报告地址","description":"精美 HTML 审查报告链接"},"pdf_url":{"bsonType":"string","title":"PDF报告地址","description":"PDF 审查报告下载链接"},"contract_info":{"bsonType":"object","title":"合同结构化信息","description":"AI 返回的合同名称、风险等级、风险统计等"},"chat_id":{"bsonType":"string","title":"对话ID","description":"扣子对话 chat_id"},"conversation_id":{"bsonType":"string","title":"会话ID","description":"扣子会话 conversation_id"},"status":{"bsonType":"string","title":"审查状态","description":"uploaded=待审查 reviewing=等待处理 processing=审查中 completed=已完成 failed=失败","enum":[{"text":"待审查","value":"uploaded"},{"text":"等待处理","value":"reviewing"},{"text":"审查中","value":"processing"},{"text":"已完成","value":"completed"},{"text":"失败","value":"failed"}]},"result":{"bsonType":"string","title":"审查结果","description":"AI 返回的审查结果内容"},"points_used":{"bsonType":"number","title":"消耗积分","description":"本次审查消耗的积分数量（token_count \/ 100）"},"token_count":{"bsonType":"number","title":"Token消耗","description":"扣子返回的 token 总消耗"},"_add_time":{"bsonType":"date","title":"创建时间","description":"记录创建时间"},"update_time":{"bsonType":"date","title":"更新时间","description":"最后更新时间"}}}
\ No newline at end of file
diff --git a/uniCloud-tcb/database/jjx-user-points.schema.json b/uniCloud-tcb/database/jjx-user-points.schema.json
new file mode 100644
index 0000000..5d77842
--- /dev/null
+++ b/uniCloud-tcb/database/jjx-user-points.schema.json
@@ -0,0 +1 @@
+{"bsonType":"object","required":[],"properties":{"_id":{"description":"用户ID（与 uni-id-users._id 对应）","bsonType":"string"},"balance":{"bsonType":"number","title":"积分余额","description":"当前可用积分","defaultValue":0,"minimum":0},"total_earned":{"bsonType":"number","title":"累计获得","description":"累计获得的积分总数","defaultValue":0},"total_spent":{"bsonType":"number","title":"累计消耗","description":"累计消耗的积分总数","defaultValue":0},"gift":{"bsonType":"number","title":"赠送积分","description":"新用户赠送的积分数量","defaultValue":500},"update_time":{"bsonType":"date","title":"更新时间","description":"最后更新时间"}}}
\ No newline at end of file