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。

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）
  */