优化提现流程，新增用户确认模式以支持待用户确认的转账，更新相关API和数据库结构以确保数据一致性。同时，调整小程序界面以展示待确认收款信息，提升用户体验。

2026-02-06 19:45:24 +08:00
parent 2e65d68e1e
commit 8e67eb5d62
19 changed files with 649 additions and 95 deletions
--- a/app/api/admin/withdrawals/route.ts
+++ b/app/api/admin/withdrawals/route.ts
@@ -6,7 +6,7 @@
 import { NextResponse } from 'next/server'
 import { prisma } from '@/lib/prisma'
 import { requireAdminResponse } from '@/lib/admin-auth'
-import { createTransfer } from '@/lib/wechat-transfer'
+import { createTransferUserConfirm } from '@/lib/wechat-transfer'

 // ========== GET：查询提现记录（带用户信息、收款账号=微信号）==========
 export async function GET(request: Request) {
@@ -43,8 +43,9 @@ export async function GET(request: Request) {
        user_name: user?.nickname || '未知用户',
        userAvatar: user?.avatar,
        amount: Number(w.amount),
-        status: w.status === 'success' ? 'completed' : 
-                w.status === 'failed' ? 'rejected' : 
+status: w.status === 'success' ? 'completed' :
+                w.status === 'failed' ? 'rejected' :
+                w.status === 'pending_confirm' ? 'pending_confirm' :
                w.status,
        created_at: w.created_at,
        method: 'wechat',
@@ -101,7 +102,7 @@ export async function PUT(request: Request) {
    const openid = withdrawal.wechat_openid

    if (action === 'approve') {
-      console.log(STEP, '3. 发起微信打款')
+      console.log(STEP, '3. 发起转账（用户确认模式）')
      if (!openid) {
        return NextResponse.json({
          success: false,
@@ -109,53 +110,85 @@ export async function PUT(request: Request) {
        }, { status: 400 })
      }
      const amountFen = Math.round(amount * 100)
-      const transferResult = await createTransfer({
+      const transferResult = await createTransferUserConfirm({
        openid,
        amountFen,
-        outDetailNo: id,
+        outBillNo: id,
        transferRemark: '提现',
      })
      if (!transferResult.success) {
-        console.error(STEP, '微信打款失败:', transferResult.errorCode, transferResult.errorMessage)
+        console.error(STEP, '发起转账失败:', transferResult.errorCode, transferResult.errorMessage)
        await prisma.withdrawals.update({
          where: { id },
          data: {
            status: 'failed',
            processed_at: new Date(),
-            error_message: transferResult.errorMessage || transferResult.errorCode || '打款失败'
+            error_message: transferResult.errorMessage || transferResult.errorCode || '发起失败'
          }
        })
        return NextResponse.json({
          success: false,
-          error: '微信打款失败: ' + (transferResult.errorMessage || transferResult.errorCode || '未知错误')
+          error: '发起转账失败: ' + (transferResult.errorMessage || transferResult.errorCode || '未知错误')
        }, { status: 500 })
      }
-      const batchNo = transferResult.outBatchNo || `B${Date.now()}`
-      console.log(STEP, '4. 打款成功，更新数据库')
-      await prisma.$transaction(async (tx) => {
-        await tx.withdrawals.update({
+      const state = transferResult.state || ''
+      const hasPackage = !!(transferResult.packageInfo && (state === 'WAIT_USER_CONFIRM' || state === 'TRANSFERING' || state === 'ACCEPTED' || state === 'PROCESSING'))
+      if (hasPackage && transferResult.packageInfo) {
+        console.log(STEP, '4. 待用户确认收款，保存 package_info')
+        await prisma.withdrawals.update({
          where: { id },
          data: {
-            status: 'success',
-            processed_at: new Date(),
-            transaction_id: transferResult.batchId || batchNo
+            status: 'pending_confirm',
+            transfer_bill_no: transferResult.transferBillNo || null,
+            package_info: transferResult.packageInfo,
+            transaction_id: transferResult.transferBillNo || undefined,
          }
        })
-        const user = await tx.users.findUnique({
-          where: { id: userId },
-          select: { withdrawn_earnings: true }
+        return NextResponse.json({
+          success: true,
+          message: '已发起转账，请通知用户在小程序「分销中心」或「我的」中点击「确认收款」完成到账'
        })
-        await tx.users.update({
-          where: { id: userId },
-          data: {
-            withdrawn_earnings: Number(user?.withdrawn_earnings || 0) + amount
-          }
+      }
+      if (state === 'SUCCESS') {
+        console.log(STEP, '4. 微信直接返回成功，更新数据库')
+        await prisma.$transaction(async (tx) => {
+          await tx.withdrawals.update({
+            where: { id },
+            data: {
+              status: 'success',
+              processed_at: new Date(),
+              transaction_id: transferResult.transferBillNo || undefined,
+              transfer_bill_no: transferResult.transferBillNo || undefined,
+            }
+          })
+          const user = await tx.users.findUnique({
+            where: { id: userId },
+            select: { withdrawn_earnings: true }
+          })
+          await tx.users.update({
+            where: { id: userId },
+            data: {
+              withdrawn_earnings: Number(user?.withdrawn_earnings || 0) + amount
+            }
+          })
        })
+        return NextResponse.json({
+          success: true,
+          message: '已批准并打款成功，款项将到账用户微信零钱'
+        })
+      }
+      await prisma.withdrawals.update({
+        where: { id },
+        data: {
+          status: 'pending_confirm',
+          transfer_bill_no: transferResult.transferBillNo || null,
+          package_info: transferResult.packageInfo || null,
+          transaction_id: transferResult.transferBillNo || undefined,
+        }
      })
-      console.log(STEP, '5. 批准完成，钱已打到用户微信零钱')
      return NextResponse.json({
        success: true,
-        message: '已批准并打款成功，款项将到账用户微信零钱'
+        message: '已发起转账，请通知用户在小程序内「确认收款」完成到账'
      })
    }

--- a/app/api/payment/wechat/transfer/notify/route.ts
+++ b/app/api/payment/wechat/transfer/notify/route.ts
@@ -1,11 +1,12 @@
 /**
 * 微信支付 - 商家转账到零钱 结果通知
 * 文档: 开发文档/提现功能完整技术文档.md
+ * 支持：processing（原批量转账）、pending_confirm（用户确认模式）终态后更新为 success 并增加用户已提现
 */

 import { NextRequest, NextResponse } from 'next/server'
 import { decryptResource } from '@/lib/wechat-transfer'
-import { query } from '@/lib/db'
+import { prisma } from '@/lib/prisma'

 const cfg = {
  apiV3Key: process.env.WECHAT_API_V3_KEY || process.env.WECHAT_MCH_KEY || '',
@@ -34,29 +35,65 @@ export async function POST(request: NextRequest) {
    if (!outBillNo) {
      return NextResponse.json({ code: 'SUCCESS' })
    }
-    const rows = await query('SELECT id, user_id, amount, status FROM withdrawals WHERE id = ?', [outBillNo]) as any[]
-    if (rows.length === 0) {
+
+    const w = await prisma.withdrawals.findUnique({
+      where: { id: outBillNo },
+      select: { id: true, user_id: true, amount: true, status: true },
+    })
+    if (!w) {
      return NextResponse.json({ code: 'SUCCESS' })
    }
-    const w = rows[0]
-    if (w.status !== 'processing') {
+    // 仅处理「处理中」或「待用户确认」的终态回调
+    if (w.status !== 'processing' && w.status !== 'pending_confirm') {
      return NextResponse.json({ code: 'SUCCESS' })
    }
+
+    const amount = Number(w.amount)
+
    if (state === 'SUCCESS') {
-      await query(`
-        UPDATE withdrawals SET status = 'success', processed_at = NOW(), transaction_id = ? WHERE id = ?
-      `, [transferBillNo, outBillNo])
-      await query(`
-        UPDATE users SET withdrawn_earnings = withdrawn_earnings + ?, pending_earnings = GREATEST(0, pending_earnings - ?) WHERE id = ?
-      `, [w.amount, w.amount, w.user_id])
+      await prisma.$transaction(async (tx) => {
+        await tx.withdrawals.update({
+          where: { id: outBillNo },
+          data: {
+            status: 'success',
+            processed_at: new Date(),
+            transaction_id: transferBillNo,
+          },
+        })
+        const user = await tx.users.findUnique({
+          where: { id: w.user_id },
+          select: { withdrawn_earnings: true, pending_earnings: true },
+        })
+        const curWithdrawn = Number(user?.withdrawn_earnings ?? 0)
+        const curPending = Number(user?.pending_earnings ?? 0)
+        await tx.users.update({
+          where: { id: w.user_id },
+          data: {
+            withdrawn_earnings: curWithdrawn + amount,
+            pending_earnings: Math.max(0, curPending - amount),
+          },
+        })
+      })
    } else {
-      await query(`
-        UPDATE withdrawals SET status = 'failed', processed_at = NOW(), error_message = ? WHERE id = ?
-      `, [state || '转账失败', outBillNo])
-      await query(`
-        UPDATE users SET pending_earnings = pending_earnings + ? WHERE id = ?
-      `, [w.amount, w.user_id])
+      await prisma.withdrawals.update({
+        where: { id: outBillNo },
+        data: {
+          status: 'failed',
+          processed_at: new Date(),
+          error_message: state || '转账失败',
+        },
+      })
+      const user = await prisma.users.findUnique({
+        where: { id: w.user_id },
+        select: { pending_earnings: true },
+      })
+      const curPending = Number(user?.pending_earnings ?? 0)
+      await prisma.users.update({
+        where: { id: w.user_id },
+        data: { pending_earnings: curPending + amount },
+      })
    }
+
    return NextResponse.json({ code: 'SUCCESS' })
  } catch (e) {
    console.error('[WechatTransferNotify]', e)
--- a/app/api/withdraw/pending-confirm/route.ts
+++ b/app/api/withdraw/pending-confirm/route.ts
@@ -0,0 +1,53 @@
+/**
+ * 待确认收款列表 - 供小程序调起 wx.requestMerchantTransfer 使用
+ * GET ?userId=xxx 返回当前用户 status=pending_confirm 且含 package_info 的提现记录，及 mch_id、app_id
+ */
+
+import { NextRequest, NextResponse } from 'next/server'
+import { prisma } from '@/lib/prisma'
+import { getTransferMchAndAppId } from '@/lib/wechat-transfer'
+
+export async function GET(request: NextRequest) {
+  try {
+    const userId = request.nextUrl.searchParams.get('userId')
+    if (!userId) {
+      return NextResponse.json({ success: false, message: '缺少 userId' }, { status: 400 })
+    }
+
+    // 原始查询（数据库 ENUM 已包含 pending_confirm）
+    const list = await prisma.$queryRaw<
+      { id: string; amount: unknown; package_info: string | null; created_at: Date }[]
+    >`
+      SELECT id, amount, package_info, created_at
+      FROM withdrawals
+      WHERE user_id = ${userId}
+        AND status = 'pending_confirm'
+        AND package_info IS NOT NULL
+      ORDER BY created_at DESC
+    `
+
+    const { mchId, appId } = getTransferMchAndAppId()
+
+    const items = list.map((w) => ({
+      id: w.id,
+      amount: Number(w.amount),
+      package: w.package_info ?? '',
+      created_at: w.created_at,
+    }))
+
+    return NextResponse.json({
+      success: true,
+      data: {
+        list: items,
+        mch_id: mchId,
+        app_id: appId,
+      },
+    })
+  } catch (e) {
+    console.error('[Withdraw pending-confirm]', e)
+    return NextResponse.json(
+      { success: false, message: '获取待确认列表失败' },
+      { status: 500 }
+    )
+  }
+}
--- a/app/api/withdraw/records/route.ts
+++ b/app/api/withdraw/records/route.ts
@@ -0,0 +1,45 @@
+/**
+ * 提现记录列表 - 当前用户的全部提现记录（供小程序「提现记录」展示）
+ * GET ?userId=xxx
+ */
+
+import { NextRequest, NextResponse } from 'next/server'
+import { prisma } from '@/lib/prisma'
+
+export async function GET(request: NextRequest) {
+  try {
+    const userId = request.nextUrl.searchParams.get('userId')
+    if (!userId) {
+      return NextResponse.json({ success: false, message: '缺少 userId' }, { status: 400 })
+    }
+
+    const rows = await prisma.$queryRaw<
+      { id: string; amount: unknown; status: string; created_at: Date; processed_at: Date | null }[]
+    >`
+      SELECT id, amount, status, created_at, processed_at
+      FROM withdrawals
+      WHERE user_id = ${userId}
+      ORDER BY created_at DESC
+      LIMIT 100
+    `
+
+    const list = rows.map((r) => ({
+      id: r.id,
+      amount: Number(r.amount),
+      status: r.status,
+      created_at: r.created_at,
+      processed_at: r.processed_at,
+    }))
+
+    return NextResponse.json({
+      success: true,
+      data: { list },
+    })
+  } catch (e) {
+    console.error('[Withdraw records]', e)
+    return NextResponse.json(
+      { success: false, message: '获取提现记录失败' },
+      { status: 500 }
+    )
+  }
+}
--- a/app/api/withdraw/route.ts
+++ b/app/api/withdraw/route.ts
@@ -1,16 +1,10 @@
 /**
- * 提现API - 使用 Prisma ORM
+ * 提现API - 使用 Prisma ORM + 原始查询（避免枚举未同步导致 500）
 * 用户提现到微信零钱
- * 
- * Prisma 优势：
- * - 完全类型安全
- * - 自动防SQL注入
- * - 简化复杂查询
 */

 import { NextRequest, NextResponse } from 'next/server'
 import { prisma } from '@/lib/prisma'
-import { Decimal } from '@/lib/generated/prisma/runtime/library'

 // 读取系统配置（使用 Prisma）
 async function getPrismaConfig(key: string): Promise<any> {
@@ -127,19 +121,19 @@ export async function POST(request: NextRequest) {
      console.log('[Withdraw] 查询收益失败:', e)
    }
    
-    // 4. 已提现金额与待审核金额均以提现表为准（与分销页展示一致，避免 user.withdrawn_earnings 不同步导致负数或超额提现）
-    const [pendingResult, successResult] = await Promise.all([
-      prisma.withdrawals.aggregate({
-        where: { user_id: userId, status: 'pending' },
-        _sum: { amount: true }
-      }),
-      prisma.withdrawals.aggregate({
-        where: { user_id: userId, status: 'success' },
-        _sum: { amount: true }
-      })
+    // 4. 已提现金额与待审核金额（原始查询避免 withdrawals_status 枚举校验）
+    const [pendingRows, successRows] = await Promise.all([
+      prisma.$queryRaw<[{ sum_amount: unknown }]>`
+        SELECT COALESCE(SUM(amount), 0) AS sum_amount FROM withdrawals
+        WHERE user_id = ${userId} AND status = 'pending'
+      `,
+      prisma.$queryRaw<[{ sum_amount: unknown }]>`
+        SELECT COALESCE(SUM(amount), 0) AS sum_amount FROM withdrawals
+        WHERE user_id = ${userId} AND status = 'success'
+      `
    ])
-    const withdrawnEarnings = Number(successResult._sum.amount || 0)
-    const pendingWithdrawAmount = Number(pendingResult._sum.amount || 0)
+    const pendingWithdrawAmount = Number((pendingRows[0] as { sum_amount: unknown })?.sum_amount ?? 0)
+    const withdrawnEarnings = Number((successRows[0] as { sum_amount: unknown })?.sum_amount ?? 0)
    
    // 5. 计算可提现金额（不低于 0）
    const availableAmount = Math.max(0, totalCommission - withdrawnEarnings - pendingWithdrawAmount)
@@ -158,29 +152,22 @@ export async function POST(request: NextRequest) {
      })
    }
    
-    // 7. 创建提现记录（使用 Prisma，无SQL注入风险）
+// 7. 创建提现记录（原始插入避免 status 枚举校验）
    const withdrawId = `W${Date.now()}`
-    
-    const withdrawal = await prisma.withdrawals.create({
-      data: {
-        id: withdrawId,
-        user_id: userId,
-        amount: new Decimal(amount),
-        status: 'pending',
-        wechat_openid: openId,
-        wechat_id: wechatId,
-        created_at: new Date()
-      }
-    })
-    
+    const amountNum = Number(amount)
+    await prisma.$executeRaw`
+      INSERT INTO withdrawals (id, user_id, amount, status, wechat_openid, wechat_id, created_at)
+      VALUES (${withdrawId}, ${userId}, ${amountNum}, 'pending', ${openId}, ${wechatId}, NOW())
+    `
+
    return NextResponse.json({
      success: true,
-      message: '提现申请已提交，正在审核中，通过后会自动到账您的微信零钱',
+      message: '提现申请已提交，通过后会在我的页面提醒您收款！',
      data: {
-        withdrawId: withdrawal.id,
-        amount: Number(withdrawal.amount),
+        withdrawId,
+        amount: amountNum,
        accountType: '微信',
-        status: withdrawal.status
+        status: 'pending'
      }
    })
    
--- a/lib/wechat-transfer.ts
+++ b/lib/wechat-transfer.ts
@@ -158,6 +158,100 @@ export async function createTransfer(params: CreateTransferParams): Promise<Crea
  }
 }

+// ========== 用户确认模式：发起转账（需用户在小程序内确认收款）==========
+// 文档: https://pay.weixin.qq.com/doc/v3/merchant/4012716434
+
+export interface CreateTransferUserConfirmParams {
+  openid: string
+  amountFen: number
+  outBillNo: string
+  transferRemark?: string
+}
+
+export interface CreateTransferUserConfirmResult {
+  success: boolean
+  state?: string
+  packageInfo?: string
+  transferBillNo?: string
+  createTime?: string
+  errorCode?: string
+  errorMessage?: string
+}
+
+/** 获取转账结果通知地址 */
+function getTransferNotifyUrl(): string {
+  const base = process.env.NEXT_PUBLIC_BASE_URL || process.env.VERCEL_URL || 'http://localhost:3000'
+  const host = base.startsWith('http') ? base : `https://${base}`
+  return `${host}/api/payment/wechat/transfer/notify`
+}
+
+/**
+ * 用户确认模式 - 发起转账
+ * 返回 WAIT_USER_CONFIRM 时需将 package_info 下发给小程序，用户调 wx.requestMerchantTransfer 确认收款
+ */
+export async function createTransferUserConfirm(
+  params: CreateTransferUserConfirmParams
+): Promise<CreateTransferUserConfirmResult> {
+  const cfg = getConfig()
+  if (!cfg.mchId || !cfg.appId || !cfg.certSerialNo) {
+    return { success: false, errorCode: 'CONFIG_ERROR', errorMessage: '微信转账配置不完整' }
+  }
+
+  const urlPath = '/v3/fund-app/mch-transfer/transfer-bills'
+  const body = {
+    appid: cfg.appId,
+    out_bill_no: params.outBillNo,
+    transfer_scene_id: '1005',
+    openid: params.openid,
+    transfer_amount: params.amountFen,
+    transfer_remark: params.transferRemark || '提现',
+    notify_url: getTransferNotifyUrl(),
+    user_recv_perception: '提现',
+    transfer_scene_report_infos: [
+      { info_type: '岗位类型', info_content: '兼职人员' },
+      { info_type: '报酬说明', info_content: '当日兼职费' },
+    ],
+  }
+  const bodyStr = JSON.stringify(body)
+  const timestamp = Math.floor(Date.now() / 1000).toString()
+  const nonce = generateNonce()
+  const signature = buildSignature('POST', urlPath, timestamp, nonce, bodyStr)
+  const authorization = buildAuthorization(timestamp, nonce, signature)
+
+  const res = await fetch(`${BASE_URL}${urlPath}`, {
+    method: 'POST',
+    headers: {
+      'Content-Type': 'application/json',
+      Accept: 'application/json',
+      Authorization: authorization,
+      'User-Agent': 'Soul-Withdraw/1.0',
+    },
+    body: bodyStr,
+  })
+  const data = (await res.json()) as Record<string, unknown>
+  if (res.ok && res.status >= 200 && res.status < 300) {
+    const state = (data.state as string) || ''
+    return {
+      success: true,
+      state,
+      packageInfo: data.package_info as string | undefined,
+      transferBillNo: data.transfer_bill_no as string | undefined,
+      createTime: data.create_time as string | undefined,
+    }
+  }
+  return {
+    success: false,
+    errorCode: (data.code as string) || 'UNKNOWN',
+    errorMessage: (data.message as string) || (data.error as string) as string || '请求失败',
+  }
+}
+
+/** 供小程序调起确认收款时使用：获取商户号与 AppID */
+export function getTransferMchAndAppId(): { mchId: string; appId: string } {
+  const cfg = getConfig()
+  return { mchId: cfg.mchId, appId: cfg.appId }
+}
+
 /**
 * 解密回调 resource（AEAD_AES_256_GCM）
 */
--- a/miniprogram/app.js
+++ b/miniprogram/app.js
@@ -11,6 +11,9 @@ App({
    
    // 小程序配置 - 真实AppID
    appId: 'wxb8bbb2b10dec74aa',
+
+    // 订阅消息：用户点击「申请提现」→「立即提现」时会先弹出订阅授权窗
+    withdrawSubscribeTmplId: 'u3MbZGPRkrZIk-I7QdpwzFxnO_CeQPaCWF2FkiIablE',
    
    // 微信支付配置
    mchId: '1318592501',  // 商户号
--- a/miniprogram/app.json
+++ b/miniprogram/app.json
@@ -11,7 +11,7 @@
    "pages/settings/settings",
    "pages/search/search",
    "pages/addresses/addresses",
-    "pages/addresses/edit"
+    "pages/addresses/edit","pages/withdraw-records/withdraw-records"
  ],
  "window": {
    "backgroundTextStyle": "light",
--- a/miniprogram/pages/my/my.js
+++ b/miniprogram/pages/my/my.js
@@ -40,9 +40,15 @@ Page({
    menuList: [
      { id: 'orders', title: '我的订单', icon: '📦', count: 0 },
      { id: 'referral', title: '推广中心', icon: '🎁', iconBg: 'gold', badge: '90%佣金' },
+      { id: 'withdrawRecords', title: '提现记录', icon: '📋', iconBg: 'gray' },
      { id: 'about', title: '关于作者', icon: 'ℹ️', iconBg: 'brand' },
      { id: 'settings', title: '设置', icon: '⚙️', iconBg: 'gray' }
    ],
+
+    // 待确认收款（用户确认模式）
+    pendingConfirmList: [],
+    withdrawMchId: '',
+    withdrawAppId: '',
    
    // 登录弹窗
    showLoginModal: false,
@@ -125,6 +131,7 @@ Page({
        totalReadTime: Math.floor(Math.random() * 200) + 50
      })
      this.loadReferralEarnings()
+      this.loadPendingConfirm()
    } else {
      this.setData({
        isLoggedIn: false,
@@ -139,6 +146,82 @@ Page({
    }
  },

+  // 拉取待确认收款列表（用于「确认收款」按钮）
+  async loadPendingConfirm() {
+    const userInfo = app.globalData.userInfo
+    if (!app.globalData.isLoggedIn || !userInfo || !userInfo.id) return
+    try {
+      const res = await app.request('/api/withdraw/pending-confirm?userId=' + userInfo.id)
+      if (res && res.success && res.data) {
+        const list = (res.data.list || []).map(item => ({
+          id: item.id,
+          amount: (item.amount || 0).toFixed(2),
+          package: item.package,
+          created_at: item.created_at ? this.formatDateMy(item.created_at) : '--'
+        }))
+        this.setData({
+          pendingConfirmList: list,
+          withdrawMchId: res.data.mch_id || '',
+          withdrawAppId: res.data.app_id || ''
+        })
+      } else {
+        this.setData({ pendingConfirmList: [], withdrawMchId: '', withdrawAppId: '' })
+      }
+    } catch (e) {
+      this.setData({ pendingConfirmList: [] })
+    }
+  },
+
+  formatDateMy(dateStr) {
+    if (!dateStr) return '--'
+    const d = new Date(dateStr)
+    const m = (d.getMonth() + 1).toString().padStart(2, '0')
+    const day = d.getDate().toString().padStart(2, '0')
+    return `${m}-${day}`
+  },
+
+  // 确认收款（调起微信收款页）
+  confirmReceive(e) {
+    const index = e.currentTarget.dataset.index
+    const id = e.currentTarget.dataset.id
+    const list = this.data.pendingConfirmList || []
+    let item = (typeof index === 'number' || (index !== undefined && index !== '')) ? list[index] : null
+    if (!item && id) item = list.find(x => x.id === id) || null
+    if (!item || !item.package) {
+      wx.showToast({ title: '请稍后刷新再试', icon: 'none' })
+      return
+    }
+    const mchId = this.data.withdrawMchId
+    const appId = this.data.withdrawAppId
+    if (!mchId || !appId) {
+      wx.showToast({ title: '参数缺失，请刷新重试', icon: 'none' })
+      return
+    }
+    if (!wx.canIUse('requestMerchantTransfer')) {
+      wx.showToast({ title: '当前微信版本不支持，请升级后重试', icon: 'none' })
+      return
+    }
+    wx.showLoading({ title: '调起收款...', mask: true })
+    wx.requestMerchantTransfer({
+      mchId,
+      appId,
+      package: item.package,
+      success: () => {
+        wx.hideLoading()
+        wx.showToast({ title: '收款成功', icon: 'success' })
+        const newList = list.filter(x => x.id !== item.id)
+        this.setData({ pendingConfirmList: newList })
+        this.loadPendingConfirm()
+      },
+      fail: (err) => {
+        wx.hideLoading()
+        const msg = (err.errMsg || '').includes('cancel') ? '已取消' : (err.errMsg || '收款失败')
+        wx.showToast({ title: msg, icon: 'none' })
+      },
+      complete: () => { wx.hideLoading() }
+    })
+  },
+
  // 从与推广中心相同的接口拉取收益数据并更新展示（累计收益 = totalCommission，可提现 = 累计-已提现-待审核）
  async loadReferralEarnings() {
    const userInfo = app.globalData.userInfo
@@ -438,6 +521,7 @@ Page({
    const routes = {
      orders: '/pages/purchases/purchases',
      referral: '/pages/referral/referral',
+      withdrawRecords: '/pages/withdraw-records/withdraw-records',
      about: '/pages/about/about',
      settings: '/pages/settings/settings'
    }
--- a/miniprogram/pages/my/my.wxml
+++ b/miniprogram/pages/my/my.wxml
@@ -109,6 +109,24 @@
    </view>
  </view>

+  <!-- 待确认收款（用户确认模式）- 仅登录用户显示 -->
+  <view class="pending-confirm-card" wx:if="{{isLoggedIn}}">
+    <view class="pending-confirm-header">
+      <text class="pending-confirm-title">待确认收款</text>
+      <text class="pending-confirm-desc" wx:if="{{pendingConfirmList.length > 0}}">审核已通过，点击下方按钮完成收款</text>
+      <text class="pending-confirm-desc" wx:else>暂无待确认的提现，审核通过后会出现在这里</text>
+    </view>
+    <view class="pending-confirm-list" wx:if="{{pendingConfirmList.length > 0}}">
+      <view class="pending-confirm-item" wx:for="{{pendingConfirmList}}" wx:key="id">
+        <view class="pending-confirm-info">
+          <text class="pending-confirm-amount">¥{{item.amount}}</text>
+          <text class="pending-confirm-time">{{item.created_at}}</text>
+        </view>
+        <view class="pending-confirm-btn" bindtap="confirmReceive" data-index="{{index}}">确认收款</view>
+      </view>
+    </view>
+  </view>
+
  <!-- Tab切换 - 仅登录用户显示 -->
  <view class="tab-bar-custom" wx:if="{{isLoggedIn}}">
    <view 
--- a/miniprogram/pages/my/my.wxss
+++ b/miniprogram/pages/my/my.wxss
@@ -1184,3 +1184,28 @@
  color: #ffffff;
  box-shadow: 0 8rpx 24rpx rgba(56, 189, 172, 0.3);
 }
+
+/* 待确认收款 */
+.pending-confirm-card {
+  margin: 32rpx;
+  padding: 28rpx 32rpx;
+  background: rgba(76, 175, 80, 0.08);
+  border: 2rpx solid rgba(76, 175, 80, 0.25);
+  border-radius: 24rpx;
+}
+.pending-confirm-header { margin-bottom: 20rpx; }
+.pending-confirm-title { font-size: 28rpx; font-weight: 600; color: #fff; display: block; }
+.pending-confirm-desc { font-size: 24rpx; color: rgba(255,255,255,0.6); margin-top: 8rpx; display: block; }
+.pending-confirm-list { display: flex; flex-direction: column; gap: 16rpx; }
+.pending-confirm-item {
+  display: flex; align-items: center; justify-content: space-between;
+  padding: 20rpx 24rpx; background: rgba(28,28,30,0.6); border-radius: 16rpx;
+}
+.pending-confirm-info { display: flex; flex-direction: column; gap: 4rpx; }
+.pending-confirm-amount { font-size: 32rpx; font-weight: 600; color: #4CAF50; }
+.pending-confirm-time { font-size: 22rpx; color: rgba(255,255,255,0.5); }
+.pending-confirm-btn {
+  padding: 16rpx 32rpx;
+  background: linear-gradient(135deg, #4CAF50 0%, #388E3C 100%);
+  color: #fff; font-size: 26rpx; font-weight: 500; border-radius: 20rpx;
+}
--- a/miniprogram/pages/referral/referral.js
+++ b/miniprogram/pages/referral/referral.js
@@ -60,8 +60,9 @@ Page({
    posterReferralLink: '',
    posterNickname: '',
    posterNicknameInitial: '',
-    posterCaseCount: 62
-  },
+    posterCaseCount: 62,
+
+    },

  onLoad() {
    this.setData({ statusBarHeight: app.globalData.statusBarHeight })
@@ -224,6 +225,7 @@ Page({
          }
        })
      })
+
      
      console.log('[Referral] ✅ 数据设置完成')
      console.log('[Referral] - 绑定中:', this.data.bindingCount)
@@ -648,13 +650,26 @@ Page({
      content: `将提现 ¥${availableEarnings.toFixed(2)} 到您的微信零钱`,
      confirmText: '立即提现',
      success: async (res) => {
-        if (res.confirm) {
+        if (!res.confirm) return
+        const tmplId = app.globalData.withdrawSubscribeTmplId
+        if (tmplId && tmplId.length > 10) {
+          wx.requestSubscribeMessage({
+            tmplIds: [tmplId],
+            success: () => { this.doWithdraw(availableEarnings) },
+            fail: () => { this.doWithdraw(availableEarnings) }
+          })
+        } else {
          await this.doWithdraw(availableEarnings)
        }
      }
    })
  },
-  
+
+  // 跳转提现记录页
+  goToWithdrawRecords() {
+    wx.navigateTo({ url: '/pages/withdraw-records/withdraw-records' })
+  },
+
  // 执行提现
  async doWithdraw(amount) {
    wx.showLoading({ title: '提现中...' })
--- a/miniprogram/pages/referral/referral.wxml
+++ b/miniprogram/pages/referral/referral.wxml
@@ -53,6 +53,7 @@
          {{availableEarningsNum < minWithdrawAmount ? '满' + minWithdrawAmount + '元可提现' : !hasWechatId ? '请先绑定微信号' : '申请提现 ¥' + availableEarnings}}
        </view>
        <text class="wechat-tip" wx:if="{{availableEarningsNum > 0 && !hasWechatId}}">为便于提现到账，请先到「设置」中绑定微信号</text>
+        <view class="withdraw-records-link" bindtap="goToWithdrawRecords">查看提现记录</view>
      </view>
    </view>

--- a/miniprogram/pages/referral/referral.wxss
+++ b/miniprogram/pages/referral/referral.wxss
@@ -38,6 +38,7 @@
 .withdraw-btn { padding: 28rpx; background: linear-gradient(135deg, #00CED1 0%, #20B2AA 100%); color: #fff; font-size: 32rpx; font-weight: 600; text-align: center; border-radius: 24rpx; box-shadow: 0 8rpx 24rpx rgba(0,206,209,0.3); }
 .withdraw-btn.btn-disabled { background: rgba(0,206,209,0.2); color: rgba(255,255,255,0.3); box-shadow: none; }
 .wechat-tip { display: block; font-size: 24rpx; color: rgba(255,165,0,0.9); margin-top: 16rpx; text-align: center; }
+.withdraw-records-link { display: block; margin-top: 16rpx; text-align: center; font-size: 26rpx; color: #00CED1; }

 /* ???? - ?? Next.js 4??? */
 .stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8rpx; margin-bottom: 24rpx; width: 100%; box-sizing: border-box; }
--- a/miniprogram/pages/withdraw-records/withdraw-records.js
+++ b/miniprogram/pages/withdraw-records/withdraw-records.js
@@ -0,0 +1,72 @@
+/**
+ * 提现记录 - 独立页面
+ */
+const app = getApp()
+
+Page({
+  data: {
+    statusBarHeight: 44,
+    list: [],
+    loading: true
+  },
+
+  onLoad() {
+    this.setData({ statusBarHeight: app.globalData.statusBarHeight || 44 })
+    this.loadRecords()
+  },
+
+  onShow() {
+    this.loadRecords()
+  },
+
+  async loadRecords() {
+    const userInfo = app.globalData.userInfo
+    if (!app.globalData.isLoggedIn || !userInfo || !userInfo.id) {
+      this.setData({ list: [], loading: false })
+      return
+    }
+    this.setData({ loading: true })
+    try {
+      const res = await app.request('/api/withdraw/records?userId=' + userInfo.id)
+      if (res && res.success && res.data && Array.isArray(res.data.list)) {
+        const list = (res.data.list || []).map(item => ({
+          id: item.id,
+          amount: (item.amount != null ? item.amount : 0).toFixed(2),
+          status: this.statusText(item.status),
+          statusRaw: item.status,
+          created_at: item.created_at ? this.formatDate(item.created_at) : '--'
+        }))
+        this.setData({ list, loading: false })
+      } else {
+        this.setData({ list: [], loading: false })
+      }
+    } catch (e) {
+      console.log('[WithdrawRecords] 加载失败:', e)
+      this.setData({ list: [], loading: false })
+    }
+  },
+
+  statusText(status) {
+    const map = {
+      pending: '待审核',
+      pending_confirm: '待确认收款',
+      processing: '处理中',
+      success: '已到账',
+      failed: '已拒绝'
+    }
+    return map[status] || status || '--'
+  },
+
+  formatDate(dateStr) {
+    if (!dateStr) return '--'
+    const d = new Date(dateStr)
+    const y = d.getFullYear()
+    const m = (d.getMonth() + 1).toString().padStart(2, '0')
+    const day = d.getDate().toString().padStart(2, '0')
+    return `${y}-${m}-${day}`
+  },
+
+  goBack() {
+    wx.navigateBack()
+  }
+})
--- a/miniprogram/pages/withdraw-records/withdraw-records.json
+++ b/miniprogram/pages/withdraw-records/withdraw-records.json
@@ -0,0 +1,4 @@
+{
+  "usingComponents": {},
+  "navigationStyle": "custom"
+}
--- a/miniprogram/pages/withdraw-records/withdraw-records.wxml
+++ b/miniprogram/pages/withdraw-records/withdraw-records.wxml
@@ -0,0 +1,22 @@
+<view class="page">
+  <view class="nav-bar" style="padding-top: {{statusBarHeight}}px;">
+    <view class="nav-back" bindtap="goBack">←</view>
+    <text class="nav-title">提现记录</text>
+    <view class="nav-placeholder"></view>
+  </view>
+  <view class="nav-placeholder-bar" style="height: {{statusBarHeight + 44}}px;"></view>
+
+  <view class="content">
+    <view class="loading-tip" wx:if="{{loading}}">加载中...</view>
+    <view class="empty" wx:elif="{{list.length === 0}}">暂无提现记录</view>
+    <view class="list" wx:else>
+      <view class="item" wx:for="{{list}}" wx:key="id">
+        <view class="item-left">
+          <text class="amount">¥{{item.amount}}</text>
+          <text class="time">{{item.created_at}}</text>
+        </view>
+        <text class="status status-{{item.statusRaw}}">{{item.status}}</text>
+      </view>
+    </view>
+  </view>
+</view>
--- a/miniprogram/pages/withdraw-records/withdraw-records.wxss
+++ b/miniprogram/pages/withdraw-records/withdraw-records.wxss
@@ -0,0 +1,57 @@
+.page {
+  min-height: 100vh;
+  background: #000;
+}
+.nav-bar {
+  position: fixed;
+  top: 0;
+  left: 0;
+  right: 0;
+  z-index: 100;
+  background: rgba(0,0,0,0.9);
+  display: flex;
+  align-items: center;
+  padding: 0 24rpx;
+  height: 88rpx;
+}
+.nav-back {
+  color: #00CED1;
+  font-size: 36rpx;
+  padding: 16rpx;
+}
+.nav-title {
+  flex: 1;
+  text-align: center;
+  font-size: 34rpx;
+  font-weight: 600;
+  color: #fff;
+}
+.nav-placeholder { width: 80rpx; }
+.nav-placeholder-bar { width: 100%; }
+
+.content {
+  padding: 32rpx;
+}
+.loading-tip, .empty {
+  text-align: center;
+  color: rgba(255,255,255,0.6);
+  font-size: 28rpx;
+  padding: 80rpx 0;
+}
+.list { }
+.item {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  padding: 28rpx 0;
+  border-bottom: 2rpx solid rgba(255,255,255,0.06);
+}
+.item:last-child { border-bottom: none; }
+.item-left { display: flex; flex-direction: column; gap: 8rpx; }
+.amount { font-size: 32rpx; font-weight: 600; color: #fff; }
+.time { font-size: 24rpx; color: rgba(255,255,255,0.5); }
+.status { font-size: 26rpx; }
+.status.status-pending { color: #FFA500; }
+.status.status-pending_confirm { color: #4CAF50; }
+.status.status-success { color: #4CAF50; }
+.status.status-failed { color: rgba(255,255,255,0.5); }
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -237,16 +237,18 @@ model users {
 }

 model withdrawals {
-  id             String              @id @db.VarChar(50)
-  user_id        String              @db.VarChar(50)
-  amount         Decimal             @db.Decimal(10, 2)
-  status         withdrawals_status? @default(pending)
-  wechat_openid  String?             @db.VarChar(100)
-  wechat_id      String?             @db.VarChar(100)  // 用户微信号，用于后台列表展示与核对
-  transaction_id String?             @db.VarChar(100)
-  error_message  String?             @db.VarChar(500)
-  created_at     DateTime            @default(now()) @db.Timestamp(0)
-  processed_at   DateTime?           @db.Timestamp(0)
+  id               String              @id @db.VarChar(50)
+  user_id          String              @db.VarChar(50)
+  amount           Decimal             @db.Decimal(10, 2)
+  status           withdrawals_status? @default(pending)
+  wechat_openid    String?             @db.VarChar(100)
+  wechat_id        String?             @db.VarChar(100)  // 用户微信号，用于后台列表展示与核对
+  transaction_id   String?             @db.VarChar(100)
+  transfer_bill_no String?             @db.VarChar(100)  // 微信转账单号（用户确认模式）
+  package_info     String?             @db.VarChar(1024) // 调起 wx.requestMerchantTransfer 用
+  error_message    String?             @db.VarChar(500)
+  created_at       DateTime            @default(now()) @db.Timestamp(0)
+  processed_at     DateTime?           @db.Timestamp(0)

  @@index([status], map: "idx_status")
  @@index([user_id], map: "idx_user_id")
@@ -261,6 +263,7 @@ enum match_records_match_type {

 enum withdrawals_status {
  pending
+  pending_confirm  // 已发起转账，待用户在小程序内确认收款
  processing
  success
  failed