feat: 新增合同审查定时任务与积分体系，重构支付模块与余额流水查询

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) {