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。

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'
     }

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 

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;
+}