转账功能优化

frontend/miniapp/config/api.js

@@ -102,6 +102,7 @@ module.exports = {
   FetchAccountInfo: ApiRootUrl + 'account/info', //账户详情
   FetchAccountLogs: ApiRootUrl + 'account/logs', //余额日志
   AccountApplyWithdraw: ApiRootUrl + 'account/applyWithdraw', //提现申请
+  AccountTransferAuthorization: ApiRootUrl + 'account/transferAuthorization', //免确认收款授权(发起/查询)
 
   // 消息
   MessageList: ApiRootUrl + 'message/list', //消息列表

frontend/miniapp/pages/usercenter/balance/index.js

@@ -1,5 +1,5 @@
 // pages/usercenter/balance/index.js
-import { fetchAccountInfo, fetchAccountLogs, accountApplyWithdraw } from '../../../services/usercenter/fetchBalance';
+import { fetchAccountInfo, fetchAccountLogs, accountApplyWithdraw, fetchTransferAuthorization } from '../../../services/usercenter/fetchBalance';
 Page({
 
   /**
@@ -24,6 +24,7 @@ Page({
       { title: '提现次数', desc: '每个自然日最多可发起 10 次提现申请' },
       { title: '单日限额', desc: '同一自然日累计提现金额不超过 2000 元，超出请次日再试' },
       { title: '到账方式', desc: '转账至本人微信零钱，需填写与微信实名一致的姓名' },
+      { title: '免确认收款', desc: '提现需完成免确认收款授权，授权后审核通过将直接到账零钱' },
       { title: '到账时间', desc: '审核通过后 1-3 个工作日内到账，节假日顺延' },
       { title: '审核说明', desc: '工作日统一审核处理，审核期间该笔金额将暂时冻结' },
       { title: '驳回处理', desc: '被驳回的提现金额将自动退回可提现余额，可重新发起' },
@@ -152,6 +153,45 @@ Page({
     this.setData({ withdrawName: e.detail.value });
   },
   onConfirmWithdraw() {
+    const { withdrawName, withdrawAmount } = this.data;
+    //提交前提现先确保完成免确认收款授权（授权后审核通过即可免确认直接到账零钱）
+    this.ensureTransferAuthorized()
+      .then(() => this.submitWithdraw())
+      .catch((msg) => {
+        wx.showToast({ title: typeof msg === 'string' && msg ? msg : '未完成授权，已取消提现', icon: 'none' });
+      });
+  },
+  // 确保完成免确认收款授权：已授权直接通过；未授权拉起微信授权页
+  ensureTransferAuthorized() {
+    return new Promise((resolve, reject) => {
+      fetchTransferAuthorization().then((res) => {
+        if (res.code != 1) {
+          reject(res.msg || '获取授权状态失败');
+          return;
+        }
+        const data = res.data || {};
+        if (data.authorized) {
+          resolve();
+          return;
+        }
+        wx.requestMerchantTransfer({
+          mchId: data.mch_id,
+          appId: data.app_id,
+          package: data.package_info,
+          success: () => {
+            wx.showToast({ title: '授权成功', icon: 'success' });
+            resolve();
+          },
+          fail: (err) => {
+            console.log('requestMerchantTransfer fail', err);
+            reject('需完成免确认收款授权后才能提现');
+          },
+        });
+      }).catch(() => reject('网络异常，请稍后重试'));
+    });
+  },
+  // 原提现提交逻辑
+  submitWithdraw() {
     const { withdrawName, withdrawAmount } = this.data;
     let params = {
       'name': withdrawName,

frontend/miniapp/services/usercenter/fetchBalance.js

@@ -13,4 +13,9 @@ export function fetchAccountLogs(param) {
 /** 获取提现申请 */
 export function accountApplyWithdraw(param) {
   return wx.$util.request(wx.$api.AccountApplyWithdraw, param, 'POST');
+}
+
+/** 免确认收款授权(发起/查询)，返回 package_info 供 wx.requestMerchantTransfer 拉起授权页 */
+export function fetchTransferAuthorization() {
+  return wx.$util.request(wx.$api.AccountTransferAuthorization, {}, 'POST');
 }