转账功能优化

backend/application/common/service/AccountWithdrawService.php

@@ -163,13 +163,19 @@ class AccountWithdrawService
             AccountService::updateData($userId, 0, -$amount, 0,0, $log_res->id);
 
             if($type == AccountWithdrawService::TYPE_WECHAT){
-                //发起微信商家转账到用户零钱(v3,原 v2 企业付款已停用)
-                $payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->openid, $user->username, $amount);
-                if (empty($payRes['batch_id'])) {
+                //免确认收款授权校验：未授权无法以授权单发起转账
+                $auth = TransferAuthorizationService::getByUserId($userId);
+                if (!TransferAuthorizationService::isAuthorized($userId)) {
+                    throw new \Exception('该用户未完成免确认收款授权，无法发起转账，请通知用户在小程序余额页完成授权后重新审核');
+                }
+                //发起微信商家转账到用户零钱(v3授权转账：以授权单定位收款人，免用户确认收款)
+                $payRes = (new EasyWeChatService())->mchPay($withdraw_record->apply_sn, $user->username, $amount, $auth->out_authorization_no);
+                //以 transfer_bill_no(微信转账单号) 判断单据是否创建成功
+                if (empty($payRes['transfer_bill_no'])) {
                     throw new \Exception($payRes['message'] ?? '商家转账发起失败');
                 }
-                //批次受理成功(资金到账以微信侧为准,可通过 queryBalance 查询批次状态)
-                $withdraw_record->result_status = 'SUCCESS';
+                //授权转账免用户确认，状态记为微信返回的 state，最终以回调/查单为准
+                $withdraw_record->result_status = $payRes['state'] ?? '';
                 $withdraw_record->save();
             }
         } else {