fix: 提现排除处理中金额，选择报价改为重点提示

可提现额度扣除处理中提现，避免重复提现超总额；收到报价选择供应商时展示重点提示而非服务费提示。

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

uniCloud-tcb/cloudfunctions/router/service/admin/finance/balance/sys/util.js

@@ -213,6 +213,64 @@ 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,
@@ -323,6 +381,49 @@ 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));
@@ -372,10 +473,13 @@ module.exports = {
     parseOrderSet,
     getActionStatus,
     getActionStatusTextByStatus,
+    applyMerchantBalanceDelta,
     syncMerchantBalance,
     ensureBalanceRecord,
     recalculateBalance,
     checkBalanceAvailable,
+    getPendingWithdrawAmount,
+    getAvailableWithdrawBalance,
     updateBalanceWithDelta,
     rollbackTransaction
 };