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/withdraw.js

@@ -1,5 +1,4 @@
 'use strict';
-const dayjs = require('dayjs');
 const balanceUtil = require('./util.js');
 const merchantMap = balanceUtil.MERCHANT_MAP;
 
@@ -34,11 +33,28 @@ module.exports = {
                 updateTime: ''
             };
             const merchantBalance = balanceUtil.normalizeAmount(merchantBalanceInfo.balance || 0);
-            if (merchantBalance <= 0) {
-                throw new Error('当前企业余额小于等于0，无法提现');
+            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￥${pendingAmount.toFixed(2)}已占用）`
+                        : '当前企业余额小于等于0，无法提现'
+                );
             }
-            if (amount > merchantBalance) {
-                throw new Error('提现金额不能大于当前企业余额');
+            if (amount > availableBalance) {
+                throw new Error(
+                    pendingAmount > 0
+                        ? `提现金额不能大于可提现余额￥${availableBalance.toFixed(2)}（已排除处理中提现￥${pendingAmount.toFixed(2)}）`
+                        : '提现金额不能大于当前企业余额'
+                );
             }
             const description = String(data.description || '').trim() || `余额提现-${merchantMap[merchantId]}`;
 
@@ -80,52 +96,28 @@ module.exports = {
                 merchantId,
                 merchantName: merchantMap[merchantId],
                 srcReqId: requestRes.srcReqId,
-                status: 1
+                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
             };
-            const changeAmount = balanceUtil.buildBalanceChange(logData);
 
-            await balanceUtil.checkBalanceAvailable({
-                transaction,
-                vk,
-                changeAmount
-            });
-
-            const addRes = await vk.baseDao.add({
+            await vk.baseDao.add({
                 db: transaction,
                 dbName: 'jjx-balance-log',
                 dataJson: logData
             });
 
-            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
-                        }
-                    }
-                }
-            });
-
+            // 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。
             await transaction.commit();
             return {
                 code: 0,
                 msg: '',
                 data: {
-                    balance: nextBalance,
-                    merchantBalance: nextMerchantBalance
+                    balance: merchantBalance,
+                    pendingAmount: balanceUtil.normalizeAmount(pendingAmount + amount),
+                    availableBalance: balanceUtil.normalizeAmount(Math.max(0, availableBalance - amount)),
+                    merchantBalance
                 }
             };
         } catch (err) {