feat(withdraw): 添加实名认证验证功能

- 在提现页面集成实名认证状态检查
- 添加 fetchVerifyStatus 函数用于获取认证状态
- 实现认证状态包括未知、已认证、未认证、审核中、已驳回
- 在提交提现前验证用户是否已完成实名认证
- 添加去认证按钮跳转到认证页面
- 优化订单详情和订单列表中的取消订单逻辑
- 修复用户认证页面的表单验证逻辑
- 添加真实姓名和身份证号输入字段到企业认证表单

src/dealer/withdraw/index.tsx

@@ -16,6 +16,8 @@ import {Wallet} from '@nutui/icons-react-taro'
 import {businessGradients} from '@/styles/gradients'
 import Taro from '@tarojs/taro'
 import {useDealerUser} from '@/hooks/useDealerUser'
+import {myUserVerify} from '@/api/system/userVerify'
+import {goTo} from '@/utils/navigation'
 import {
   pageShopDealerWithdraw,
   addShopDealerWithdraw,
@@ -106,6 +108,8 @@ const DealerWithdraw: React.FC = () => {
   const formRef = useRef<any>(null)
 
   const {dealerUser} = useDealerUser()
+  const [verifyStatus, setVerifyStatus] = useState<'unknown' | 'verified' | 'unverified' | 'pending' | 'rejected'>('unknown')
+  const [verifyStatusText, setVerifyStatusText] = useState<string>('')
 
   // Tab 切换处理函数
   const handleTabChange = (value: string | number) => {
@@ -185,6 +189,57 @@ const DealerWithdraw: React.FC = () => {
     }
   }, [fetchBalance, fetchWithdrawRecords])
 
+  // 判断实名认证状态：提现前必须完成实名认证（已通过）
+  const fetchVerifyStatus = useCallback(async () => {
+    // Fast path: some pages store this flag after login.
+    if (String(Taro.getStorageSync('Certification')) === '1') {
+      setVerifyStatus('verified')
+      setVerifyStatusText('已实名认证')
+      return
+    }
+
+    try {
+      const r = await myUserVerify({})
+      if (!r) {
+        setVerifyStatus('unverified')
+        setVerifyStatusText('未实名认证')
+        return
+      }
+
+      const s = Number((r as any).status)
+      const st = String((r as any).statusText || '')
+
+      // Common convention in this project: 0审核中/待审核, 1已通过, 2已驳回
+      if (s === 1) {
+        setVerifyStatus('verified')
+        setVerifyStatusText(st || '已实名认证')
+        return
+      }
+      if (s === 0) {
+        setVerifyStatus('pending')
+        setVerifyStatusText(st || '审核中')
+        return
+      }
+      if (s === 2) {
+        setVerifyStatus('rejected')
+        setVerifyStatusText(st || '已驳回')
+        return
+      }
+
+      setVerifyStatus('unverified')
+      setVerifyStatusText(st || '未实名认证')
+    } catch (e) {
+      console.warn('获取实名认证状态失败，将按未认证处理:', e)
+      setVerifyStatus('unverified')
+      setVerifyStatusText('未实名认证')
+    }
+  }, [])
+
+  useEffect(() => {
+    if (!dealerUser?.userId) return
+    fetchVerifyStatus().then()
+  }, [dealerUser?.userId, fetchVerifyStatus])
+
   const getStatusText = (status?: number) => {
     switch (status) {
       case 40:
@@ -224,6 +279,14 @@ const DealerWithdraw: React.FC = () => {
       return
     }
 
+    if (verifyStatus !== 'verified') {
+      Taro.showToast({
+        title: '请先完成实名认证',
+        icon: 'none'
+      })
+      return
+    }
+
     // 验证提现金额
     const amount = parseFloat(String(values.amount))
     const available = parseFloat(normalizeMoneyString(availableAmount).replace(/,/g, ''))
@@ -366,8 +429,28 @@ const DealerWithdraw: React.FC = () => {
     return Number.isFinite(n) ? n.toFixed(2) : '0.00'
   }
 
+  const goVerify = () => {
+    goTo('/user/userVerify/index')
+  }
+
   const renderWithdrawForm = () => (
     <View>
+      {(verifyStatus === 'unverified' || verifyStatus === 'pending' || verifyStatus === 'rejected') && (
+        <View className="rounded-lg bg-white px-4 py-3 mb-4 mx-4">
+          <View className="flex items-center justify-between">
+            <View className="flex flex-col">
+              <Text className="text-sm text-red-500">提现前请先完成实名认证</Text>
+              {verifyStatusText ? (
+                <Text className="text-xs text-gray-500 mt-1">当前状态：{verifyStatusText}</Text>
+              ) : null}
+            </View>
+            <Text className="text-sm text-blue-600" onClick={goVerify}>
+              去认证
+            </Text>
+          </View>
+        </View>
+      )}
+
       {/* 余额卡片 */}
       <View className="rounded-xl p-6 mb-6 text-white relative overflow-hidden" style={{
         background: businessGradients.dealer.header
@@ -452,7 +535,7 @@ const DealerWithdraw: React.FC = () => {
             type="primary"
             nativeType="submit"
             loading={submitting}
-            disabled={submitting}
+            disabled={submitting || verifyStatus !== 'verified'}
           >
             {submitting ? '提交中...' : '申请提现'}
           </Button>