feat: add avatar payments and finance management

.gitignore

@@ -9,6 +9,8 @@ backend/logs/
 # Node
 frontend/node_modules/
 frontend/dist/
+uniapp-avatar/node_modules/
+uniapp-avatar/dist/
 
 # macOS
 .DS_Store

backend/app/api/__init__.py

@@ -1,6 +1,6 @@
 """API路由汇总"""
 from fastapi import APIRouter
-from app.api.endpoints import users, interactions, ai_models, dashboard, system, logs, avatars
+from app.api.endpoints import users, interactions, ai_models, dashboard, system, logs, avatars, finance
 
 router = APIRouter()
 
@@ -11,3 +11,4 @@ router.include_router(dashboard.router, prefix="/dashboard", tags=["数据看板
 router.include_router(system.router, prefix="/system", tags=["系统设置"])
 router.include_router(logs.router, prefix="/logs", tags=["日志管理"])
 router.include_router(avatars.router, prefix="/avatars", tags=["数字分身管理"])
+router.include_router(finance.router, prefix="/finance", tags=["财务管理"])

backend/app/api/endpoints/finance.py

@@ -0,0 +1,130 @@
+"""Admin finance API for avatar Token orders, refunds and invoices."""
+
+from fastapi import APIRouter, Body, HTTPException, Query
+
+from app.schemas import ApiResponse
+from app.services.avatar_service import get_session, is_available
+from app.services.finance_service import FinanceServiceError, finance_service
+
+
+router = APIRouter()
+
+
+def _session():
+    if not is_available():
+        raise HTTPException(status_code=503, detail="数字分身数据库尚未初始化")
+    return get_session()
+
+
+def _raise(exc: FinanceServiceError):
+    raise HTTPException(status_code=exc.status_code, detail=str(exc))
+
+
+@router.get("/summary")
+def summary():
+    db = _session()
+    try:
+        return ApiResponse(data=finance_service.summary(db))
+    finally:
+        db.close()
+
+
+@router.get("/orders")
+def orders(
+    page: int = Query(1, ge=1),
+    page_size: int = Query(20, ge=1, le=100),
+    keyword: str = Query(""),
+    status: str = Query(""),
+    provider: str = Query(""),
+):
+    db = _session()
+    try:
+        total, items = finance_service.list_orders(
+            db, page=page, page_size=page_size, keyword=keyword.strip(), status=status, provider=provider
+        )
+        return ApiResponse(data={"total": total, "page": page, "page_size": page_size, "items": items})
+    finally:
+        db.close()
+
+
+@router.patch("/orders/{order_no}/status")
+def update_order_status(order_no: str, body: dict = Body(...)):
+    db = _session()
+    try:
+        finance_service.close_order(
+            db, order_no, status=str(body.get("status") or ""), reason=str(body.get("reason") or "")
+        )
+        return ApiResponse(message="订单状态已更新")
+    except FinanceServiceError as exc:
+        _raise(exc)
+    finally:
+        db.close()
+
+
+@router.post("/orders/{order_no}/refund")
+def request_refund(order_no: str, body: dict = Body(...)):
+    try:
+        data = finance_service.request_refund(
+            order_no,
+            reason=str(body.get("reason") or "").strip(),
+            operator=str(body.get("operator") or "后台管理员").strip(),
+        )
+        return ApiResponse(data=data, message="退款申请已提交")
+    except FinanceServiceError as exc:
+        _raise(exc)
+
+
+@router.get("/refunds")
+def refunds(
+    page: int = Query(1, ge=1),
+    page_size: int = Query(20, ge=1, le=100),
+    status: str = Query(""),
+):
+    db = _session()
+    try:
+        total, items = finance_service.list_refunds(db, page=page, page_size=page_size, status=status)
+        return ApiResponse(data={"total": total, "page": page, "page_size": page_size, "items": items})
+    finally:
+        db.close()
+
+
+@router.post("/refunds/{refund_no}/confirm")
+def confirm_refund(refund_no: str, body: dict = Body(...)):
+    try:
+        data = finance_service.confirm_refund(refund_no, body)
+        return ApiResponse(data=data, message="退款结果已登记")
+    except FinanceServiceError as exc:
+        _raise(exc)
+
+
+@router.get("/invoices")
+def invoices(
+    page: int = Query(1, ge=1),
+    page_size: int = Query(20, ge=1, le=100),
+    status: str = Query(""),
+):
+    db = _session()
+    try:
+        total, items = finance_service.list_invoices(db, page=page, page_size=page_size, status=status)
+        return ApiResponse(data={"total": total, "page": page, "page_size": page_size, "items": items})
+    finally:
+        db.close()
+
+
+@router.patch("/invoices/{invoice_id}")
+def update_invoice(invoice_id: str, body: dict = Body(...)):
+    db = _session()
+    try:
+        finance_service.update_invoice(
+            db,
+            invoice_id,
+            status=str(body.get("status") or ""),
+            invoice_no=str(body.get("invoiceNo") or ""),
+            invoice_url=str(body.get("invoiceUrl") or ""),
+            remark=str(body.get("remark") or ""),
+        )
+        return ApiResponse(message="发票申请已处理")
+    except FinanceServiceError as exc:
+        _raise(exc)
+    finally:
+        db.close()

backend/app/services/avatar_service.py

@@ -35,7 +35,7 @@ def _get_engine_and_session():
             return None, None
         _engine = create_engine(
             f"sqlite:///{db_path}",
-            connect_args={"check_same_thread": False},
+            connect_args={"check_same_thread": False, "timeout": 30},
         )
         _SessionLocal = sessionmaker(bind=_engine, autoflush=False, expire_on_commit=False)
     return _engine, _SessionLocal()

backend/app/services/finance_service.py

@@ -0,0 +1,254 @@
+"""Finance operations for digital-avatar Token purchases."""
+
+import os
+from datetime import datetime
+
+import httpx
+from sqlalchemy import text
+
+from app.core.config import settings
+
+
+class FinanceServiceError(RuntimeError):
+    def __init__(self, message: str, status_code: int = 400):
+        super().__init__(message)
+        self.status_code = status_code
+
+
+def _mapping(row):
+    return dict(row._mapping) if row is not None else None
+
+
+def _iso(value):
+    return value.isoformat() if hasattr(value, "isoformat") else value
+
+
+def _money(cents):
+    return round(int(cents or 0) / 100, 2)
+
+
+class FinanceService:
+    @staticmethod
+    def _tables_ready(db) -> bool:
+        names = {
+            row[0]
+            for row in db.execute(text(
+                "SELECT name FROM sqlite_master WHERE type='table' AND "
+                "name IN ('token_payment_orders','payment_refunds','invoice_applications')"
+            )).fetchall()
+        }
+        return len(names) == 3
+
+    @classmethod
+    def summary(cls, db) -> dict:
+        if not cls._tables_ready(db):
+            return {
+                "paid_revenue": 0,
+                "paid_orders": 0,
+                "pending_orders": 0,
+                "processing_refunds": 0,
+                "pending_invoices": 0,
+            }
+        row = db.execute(text("""
+            SELECT
+                COALESCE(SUM(CASE WHEN status='paid' THEN price_cents ELSE 0 END), 0) paid_revenue,
+                SUM(CASE WHEN status='paid' THEN 1 ELSE 0 END) paid_orders,
+                SUM(CASE WHEN status='pending' THEN 1 ELSE 0 END) pending_orders
+            FROM token_payment_orders
+        """)).fetchone()
+        processing_refunds = db.execute(text(
+            "SELECT COUNT(*) FROM payment_refunds WHERE status IN ('pending','processing')"
+        )).scalar() or 0
+        pending_invoices = db.execute(text(
+            "SELECT COUNT(*) FROM invoice_applications WHERE status='pending'"
+        )).scalar() or 0
+        return {
+            "paid_revenue": _money(row.paid_revenue),
+            "paid_orders": int(row.paid_orders or 0),
+            "pending_orders": int(row.pending_orders or 0),
+            "processing_refunds": int(processing_refunds),
+            "pending_invoices": int(pending_invoices),
+        }
+
+    @classmethod
+    def list_orders(cls, db, *, page=1, page_size=20, keyword="", status="", provider=""):
+        if not cls._tables_ready(db):
+            return 0, []
+        clauses = ["1=1"]
+        params = {}
+        if keyword:
+            clauses.append("(o.order_no LIKE :keyword OR u.phone LIKE :keyword OR u.nickname LIKE :keyword)")
+            params["keyword"] = f"%{keyword}%"
+        if status:
+            clauses.append("o.status=:status")
+            params["status"] = status
+        if provider:
+            clauses.append("o.provider=:provider")
+            params["provider"] = provider
+        where = " AND ".join(clauses)
+        total = db.execute(text(f"""
+            SELECT COUNT(*) FROM token_payment_orders o
+            LEFT JOIN users u ON u.id=o.user_id WHERE {where}
+        """), params).scalar() or 0
+        params.update({"limit": page_size, "offset": (page - 1) * page_size})
+        rows = db.execute(text(f"""
+            SELECT o.*, u.nickname user_nickname, u.phone user_phone,
+                   i.status invoice_status, i.id invoice_id
+            FROM token_payment_orders o
+            LEFT JOIN users u ON u.id=o.user_id
+            LEFT JOIN invoice_applications i ON i.order_no=o.order_no
+            WHERE {where}
+            ORDER BY o.created_at DESC LIMIT :limit OFFSET :offset
+        """), params).fetchall()
+        items = []
+        for row in rows:
+            item = _mapping(row)
+            item["price"] = _money(item.pop("price_cents"))
+            for key in ("created_at", "updated_at", "paid_at", "refunded_at"):
+                item[key] = _iso(item.get(key))
+            item.pop("pay_message", None)
+            items.append(item)
+        return int(total), items
+
+    @classmethod
+    def list_refunds(cls, db, *, page=1, page_size=20, status=""):
+        if not cls._tables_ready(db):
+            return 0, []
+        where = "WHERE r.status=:status" if status else ""
+        params = {"status": status} if status else {}
+        total = db.execute(text(f"SELECT COUNT(*) FROM payment_refunds r {where}"), params).scalar() or 0
+        params.update({"limit": page_size, "offset": (page - 1) * page_size})
+        rows = db.execute(text(f"""
+            SELECT r.*, o.provider, o.payment_method, u.nickname user_nickname, u.phone user_phone
+            FROM payment_refunds r
+            JOIN token_payment_orders o ON o.order_no=r.order_no
+            LEFT JOIN users u ON u.id=o.user_id
+            {where}
+            ORDER BY r.created_at DESC LIMIT :limit OFFSET :offset
+        """), params).fetchall()
+        items = []
+        for row in rows:
+            item = _mapping(row)
+            item["amount"] = _money(item.pop("amount_cents"))
+            for key in ("created_at", "updated_at", "completed_at"):
+                item[key] = _iso(item.get(key))
+            items.append(item)
+        return int(total), items
+
+    @classmethod
+    def list_invoices(cls, db, *, page=1, page_size=20, status=""):
+        if not cls._tables_ready(db):
+            return 0, []
+        where = "WHERE i.status=:status" if status else ""
+        params = {"status": status} if status else {}
+        total = db.execute(text(f"SELECT COUNT(*) FROM invoice_applications i {where}"), params).scalar() or 0
+        params.update({"limit": page_size, "offset": (page - 1) * page_size})
+        rows = db.execute(text(f"""
+            SELECT i.*, u.nickname user_nickname, u.phone user_phone
+            FROM invoice_applications i
+            LEFT JOIN users u ON u.id=i.user_id
+            {where}
+            ORDER BY i.created_at DESC LIMIT :limit OFFSET :offset
+        """), params).fetchall()
+        items = []
+        for row in rows:
+            item = _mapping(row)
+            item["amount"] = _money(item.pop("amount_cents"))
+            for key in ("created_at", "updated_at", "issued_at"):
+                item[key] = _iso(item.get(key))
+            items.append(item)
+        return int(total), items
+
+    @staticmethod
+    def close_order(db, order_no: str, *, status: str, reason: str):
+        if status not in {"closed", "failed"}:
+            raise FinanceServiceError("后台只能将待支付订单关闭或标记失败")
+        order = db.execute(text(
+            "SELECT status FROM token_payment_orders WHERE order_no=:order_no"
+        ), {"order_no": order_no}).fetchone()
+        if not order:
+            raise FinanceServiceError("订单不存在", 404)
+        if order.status != "pending":
+            raise FinanceServiceError("只有待支付订单可以修改状态", 409)
+        db.execute(text("""
+            UPDATE token_payment_orders
+            SET status=:status, failure_reason=:reason, updated_at=:updated_at
+            WHERE order_no=:order_no
+        """), {
+            "status": status,
+            "reason": (reason or "后台关闭订单")[:500],
+            "updated_at": datetime.utcnow(),
+            "order_no": order_no,
+        })
+        db.commit()
+
+    @staticmethod
+    def _avatar_admin_call(path: str, payload: dict):
+        base_url = (settings.AVATAR_BACKEND_URL or os.getenv("AVATAR_BACKEND_URL", "")).rstrip("/")
+        secret = os.getenv("AVATAR_FINANCE_ADMIN_SECRET", "").strip()
+        if not base_url or len(secret) < 16:
+            raise FinanceServiceError("数字分身财务服务尚未完成配置", 503)
+        try:
+            response = httpx.post(
+                f"{base_url}/api{path}",
+                json=payload,
+                headers={"X-Avatar-Finance-Key": secret},
+                timeout=35,
+            )
+            data = response.json()
+        except (httpx.HTTPError, ValueError) as exc:
+            raise FinanceServiceError("数字分身财务服务暂时不可用", 502) from exc
+        if response.status_code >= 400 or data.get("code") not in (0, 200, "0", "200"):
+            raise FinanceServiceError(data.get("message") or data.get("detail") or "财务操作失败", response.status_code)
+        return data.get("data")
+
+    @classmethod
+    def request_refund(cls, order_no: str, *, reason: str, operator: str):
+        return cls._avatar_admin_call(
+            f"/token/admin/orders/{order_no}/refund",
+            {"reason": reason, "operator": operator},
+        )
+
+    @classmethod
+    def confirm_refund(cls, refund_no: str, payload: dict):
+        return cls._avatar_admin_call(f"/token/admin/refunds/{refund_no}/confirm", payload)
+
+    @staticmethod
+    def update_invoice(db, invoice_id: str, *, status: str, invoice_no="", invoice_url="", remark=""):
+        row = db.execute(text(
+            "SELECT * FROM invoice_applications WHERE id=:invoice_id"
+        ), {"invoice_id": invoice_id}).fetchone()
+        if not row:
+            raise FinanceServiceError("发票申请不存在", 404)
+        if row.status != "pending":
+            raise FinanceServiceError("该发票申请已处理", 409)
+        if status == "issued":
+            if not invoice_no.strip():
+                raise FinanceServiceError("请填写发票号码")
+            if invoice_url.strip() and not invoice_url.strip().lower().startswith(("https://", "http://")):
+                raise FinanceServiceError("电子发票地址必须是 HTTP 或 HTTPS 链接")
+            issued_at = datetime.utcnow()
+        elif status == "rejected":
+            if not remark.strip():
+                raise FinanceServiceError("请填写驳回原因")
+            issued_at = None
+        else:
+            raise FinanceServiceError("发票状态只能是已开具或已驳回")
+        db.execute(text("""
+            UPDATE invoice_applications
+            SET status=:status, invoice_no=:invoice_no, invoice_url=:invoice_url,
+                remark=:remark, issued_at=:issued_at, updated_at=:updated_at
+            WHERE id=:invoice_id
+        """), {
+            "status": status,
+            "invoice_no": invoice_no.strip()[:120],
+            "invoice_url": invoice_url.strip()[:500],
+            "remark": remark.strip()[:500],
+            "issued_at": issued_at,
+            "updated_at": datetime.utcnow(),
+            "invoice_id": invoice_id,
+        })
+        db.commit()
+
+
+finance_service = FinanceService()

backend/tests/test_finance_service.py

@@ -0,0 +1,91 @@
+from sqlalchemy import create_engine, text
+from sqlalchemy.orm import Session
+
+from app.services.finance_service import FinanceService
+
+
+def _db():
+    engine = create_engine("sqlite:///:memory:")
+    db = Session(engine)
+    db.execute(text("""
+        CREATE TABLE users (id TEXT PRIMARY KEY, nickname TEXT, phone TEXT)
+    """))
+    db.execute(text("""
+        CREATE TABLE token_payment_orders (
+            id TEXT, order_no TEXT PRIMARY KEY, user_id TEXT, plan_id TEXT,
+            payment_method TEXT, pay_type TEXT, pay_way TEXT, points_amount INTEGER,
+            price_cents INTEGER, status TEXT, provider TEXT, provider_order_id TEXT,
+            provider_order_no TEXT, provider_status TEXT, pay_message TEXT,
+            failure_reason TEXT, refund_status TEXT, created_at TEXT, updated_at TEXT,
+            paid_at TEXT, refunded_at TEXT
+        )
+    """))
+    db.execute(text("""
+        CREATE TABLE payment_refunds (
+            id TEXT, refund_no TEXT, order_no TEXT, amount_cents INTEGER,
+            points_amount INTEGER, reason TEXT, status TEXT, provider_refund_no TEXT,
+            requested_by TEXT, failure_reason TEXT, created_at TEXT, updated_at TEXT,
+            completed_at TEXT
+        )
+    """))
+    db.execute(text("""
+        CREATE TABLE invoice_applications (
+            id TEXT, order_no TEXT, user_id TEXT, amount_cents INTEGER, title TEXT,
+            invoice_type TEXT, tax_number TEXT, email TEXT, status TEXT,
+            invoice_no TEXT, invoice_url TEXT, remark TEXT, created_at TEXT,
+            updated_at TEXT, issued_at TEXT
+        )
+    """))
+    db.execute(text("INSERT INTO users VALUES ('u1','测试用户','13800000000')"))
+    db.execute(text("""
+        INSERT INTO token_payment_orders VALUES (
+            'o1','AV1','u1','1','wechat','WECHAT','APP',2000000,1000,'paid','huihui',
+            '','','SUCCESS','secret-payment-message','','none','2026-09-08 12:00:00',
+            '2026-09-08 12:01:00','2026-09-08 12:01:00',NULL
+        )
+    """))
+    db.execute(text("""
+        INSERT INTO invoice_applications VALUES (
+            'i1','AV1','u1',1000,'测试用户','personal','','u@example.com','pending',
+            '','','','2026-09-08 12:02:00','2026-09-08 12:02:00',NULL
+        )
+    """))
+    db.commit()
+    return db
+
+
+def test_finance_summary_and_orders_hide_provider_payment_payload():
+    db = _db()
+    try:
+        summary = FinanceService.summary(db)
+        assert summary == {
+            "paid_revenue": 10.0,
+            "paid_orders": 1,
+            "pending_orders": 0,
+            "processing_refunds": 0,
+            "pending_invoices": 1,
+        }
+        total, orders = FinanceService.list_orders(db, keyword="测试用户")
+        assert total == 1
+        assert orders[0]["price"] == 10.0
+        assert orders[0]["invoice_status"] == "pending"
+        assert "pay_message" not in orders[0]
+    finally:
+        db.close()
+
+
+def test_invoice_can_be_issued_and_pending_order_can_be_closed():
+    db = _db()
+    try:
+        FinanceService.update_invoice(db, "i1", status="issued", invoice_no="FP-001", invoice_url="", remark="")
+        assert db.execute(text("SELECT status, invoice_no FROM invoice_applications WHERE id='i1'" )).fetchone() == ("issued", "FP-001")
+        db.execute(text("""
+            INSERT INTO token_payment_orders
+            (id,order_no,user_id,plan_id,payment_method,pay_type,pay_way,points_amount,price_cents,status,provider,refund_status)
+            VALUES ('o2','AV2','u1','1','alipay','ALIPAY','H5',1,100,'pending','huihui','none')
+        """))
+        db.commit()
+        FinanceService.close_order(db, "AV2", status="closed", reason="超时")
+        assert db.execute(text("SELECT status FROM token_payment_orders WHERE order_no='AV2'" )).scalar() == "closed"
+    finally:
+        db.close()

digital-avatar-app/backend/database.py

@@ -66,11 +66,18 @@ def init_db():
         ("token_account", "total_consumed", "BIGINT DEFAULT 0"),
         ("token_account", "created_at", "TIMESTAMP"),
         ("token_account", "updated_at", "TIMESTAMP"),
+        ("token_plans", "virtual_product_id", "VARCHAR DEFAULT ''"),
+        ("token_payment_orders", "provider", "VARCHAR DEFAULT 'huihui'"),
+        ("token_payment_orders", "refund_status", "VARCHAR DEFAULT 'none'"),
+        ("token_payment_orders", "refunded_at", "TIMESTAMP"),
+        ("users", "wechat_mp_openid", "VARCHAR DEFAULT ''"),
+        ("users", "wechat_mp_session_key", "VARCHAR DEFAULT ''"),
         ("takeover_messages", "attachment_id", "VARCHAR DEFAULT NULL"),
     )
     _normalize_optional_unique_values()
     _normalize_takeover_delays()
     _create_token_indexes()
+    _create_payment_indexes()
 
 
 def _try_add_columns(*cols):
@@ -104,3 +111,19 @@ def _create_token_indexes():
             "CREATE UNIQUE INDEX IF NOT EXISTS ux_token_account_user_id "
             "ON token_account(user_id) WHERE user_id <> ''"
         )
+
+
+def _create_payment_indexes():
+    with engine.begin() as conn:
+        conn.exec_driver_sql(
+            "CREATE INDEX IF NOT EXISTS ix_token_payment_orders_provider "
+            "ON token_payment_orders(provider)"
+        )
+        conn.exec_driver_sql(
+            "CREATE INDEX IF NOT EXISTS ix_token_payment_orders_refund_status "
+            "ON token_payment_orders(refund_status)"
+        )
+        conn.exec_driver_sql(
+            "CREATE INDEX IF NOT EXISTS ix_users_wechat_mp_openid "
+            "ON users(wechat_mp_openid)"
+        )

digital-avatar-app/backend/models.py

@@ -344,6 +344,7 @@ class TokenPlan(Base):
     price = Column(Float, default=0)
     badge = Column(String, default="")
     desc = Column(String, default="")
+    virtual_product_id = Column(String, default="")
 
     def to_dict(self):
         return {
@@ -353,6 +354,7 @@ class TokenPlan(Base):
             "price": self.price,
             "badge": self.badge,
             "desc": self.desc,
+            "virtualProductId": self.virtual_product_id,
         }
 
 
@@ -369,14 +371,17 @@ class TokenPaymentOrder(Base):
     points_amount = Column(BigInteger, nullable=False)
     price_cents = Column(Integer, nullable=False)
     status = Column(String, nullable=False, default="pending", index=True)
+    provider = Column(String, nullable=False, default="huihui", index=True)
     provider_order_id = Column(String, default="")
     provider_order_no = Column(String, default="")
     provider_status = Column(String, default="")
     pay_message = Column(Text, default="")
     failure_reason = Column(String, default="")
+    refund_status = Column(String, nullable=False, default="none", index=True)
     created_at = Column(DateTime, server_default=func.now())
     updated_at = Column(DateTime, server_default=func.now(), onupdate=func.now())
     paid_at = Column(DateTime)
+    refunded_at = Column(DateTime)
 
     def to_dict(self):
         return {
@@ -389,11 +394,117 @@ class TokenPaymentOrder(Base):
             "pointsAmount": self.points_amount,
             "price": self.price_cents / 100,
             "status": self.status,
+            "provider": self.provider,
             "providerStatus": self.provider_status,
             "payMessage": self.pay_message,
             "failureReason": self.failure_reason,
+            "refundStatus": self.refund_status,
             "createdAt": _iso(self.created_at),
             "paidAt": _iso(self.paid_at),
+            "refundedAt": _iso(self.refunded_at),
+        }
+
+
+class PaymentTransaction(Base):
+    """Auditable provider event for one Token purchase order."""
+
+    __tablename__ = "payment_transactions"
+    __table_args__ = (
+        Index("ix_payment_transactions_order_created", "order_no", "created_at"),
+    )
+
+    id = Column(String, primary_key=True, default=lambda: uuid.uuid4().hex)
+    order_no = Column(String, nullable=False, index=True)
+    provider = Column(String, nullable=False, default="huihui")
+    transaction_no = Column(String, nullable=False, default="")
+    event_type = Column(String, nullable=False, default="payment")
+    status = Column(String, nullable=False, default="pending")
+    amount_cents = Column(Integer, nullable=False, default=0)
+    raw_summary = Column(Text, default="")
+    created_at = Column(DateTime, server_default=func.now())
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "orderNo": self.order_no,
+            "provider": self.provider,
+            "transactionNo": self.transaction_no,
+            "eventType": self.event_type,
+            "status": self.status,
+            "amount": self.amount_cents / 100,
+            "createdAt": _iso(self.created_at),
+        }
+
+
+class PaymentRefund(Base):
+    __tablename__ = "payment_refunds"
+
+    id = Column(String, primary_key=True, default=lambda: uuid.uuid4().hex)
+    refund_no = Column(String, nullable=False, unique=True, index=True)
+    order_no = Column(String, nullable=False, index=True)
+    amount_cents = Column(Integer, nullable=False)
+    points_amount = Column(BigInteger, nullable=False)
+    reason = Column(String, default="")
+    status = Column(String, nullable=False, default="pending", index=True)
+    provider_refund_no = Column(String, default="")
+    requested_by = Column(String, default="admin")
+    failure_reason = Column(String, default="")
+    created_at = Column(DateTime, server_default=func.now())
+    updated_at = Column(DateTime, server_default=func.now(), onupdate=func.now())
+    completed_at = Column(DateTime)
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "refundNo": self.refund_no,
+            "orderNo": self.order_no,
+            "amount": self.amount_cents / 100,
+            "pointsAmount": self.points_amount,
+            "reason": self.reason,
+            "status": self.status,
+            "providerRefundNo": self.provider_refund_no,
+            "requestedBy": self.requested_by,
+            "failureReason": self.failure_reason,
+            "createdAt": _iso(self.created_at),
+            "completedAt": _iso(self.completed_at),
+        }
+
+
+class InvoiceApplication(Base):
+    __tablename__ = "invoice_applications"
+
+    id = Column(String, primary_key=True, default=lambda: uuid.uuid4().hex)
+    order_no = Column(String, nullable=False, unique=True, index=True)
+    user_id = Column(String, nullable=False, index=True)
+    amount_cents = Column(Integer, nullable=False)
+    title = Column(String, nullable=False)
+    invoice_type = Column(String, nullable=False, default="personal")
+    tax_number = Column(String, default="")
+    email = Column(String, default="")
+    status = Column(String, nullable=False, default="pending", index=True)
+    invoice_no = Column(String, default="")
+    invoice_url = Column(String, default="")
+    remark = Column(String, default="")
+    created_at = Column(DateTime, server_default=func.now())
+    updated_at = Column(DateTime, server_default=func.now(), onupdate=func.now())
+    issued_at = Column(DateTime)
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "orderNo": self.order_no,
+            "userId": self.user_id,
+            "amount": self.amount_cents / 100,
+            "title": self.title,
+            "invoiceType": self.invoice_type,
+            "taxNumber": self.tax_number,
+            "email": self.email,
+            "status": self.status,
+            "invoiceNo": self.invoice_no,
+            "invoiceUrl": self.invoice_url,
+            "remark": self.remark,
+            "createdAt": _iso(self.created_at),
+            "issuedAt": _iso(self.issued_at),
         }
 
 
@@ -408,6 +519,9 @@ class User(Base):
     avatar_url = Column(String, default="")
     huihui_token = Column(String, default="")   # 会会 access_token
     app_token = Column(String, default="")       # 本系统会话 token
+    wechat_mp_openid = Column(String, default="", index=True)
+    # 微信 session_key 仅保存在服务端，用于虚拟支付用户态签名，绝不下发客户端。
+    wechat_mp_session_key = Column(String, default="")
     last_login_at = Column(DateTime)
     created_at = Column(DateTime, server_default=func.now())
     updated_at = Column(DateTime, server_default=func.now(), onupdate=func.now())

digital-avatar-app/backend/routers/tokens.py

@@ -7,20 +7,43 @@ from datetime import datetime
 from decimal import Decimal, InvalidOperation, ROUND_HALF_UP
 from urllib.parse import parse_qs
 
-from fastapi import APIRouter, Body, Depends, Header, HTTPException, Request
+from fastapi import APIRouter, Body, Depends, Header, HTTPException, Query, Request, Response
 from sqlalchemy import func
 from sqlalchemy.orm import Session
 
 from database import get_db
-from models import TokenAccount, TokenPaymentOrder, TokenPlan, TokenUsage, User
+from models import (
+    InvoiceApplication,
+    PaymentRefund,
+    PaymentTransaction,
+    TokenAccount,
+    TokenPaymentOrder,
+    TokenPlan,
+    TokenUsage,
+    User,
+)
 from responses import fail, ok
 from services.huihui_payment import HuihuiPaymentClient, HuihuiPaymentError
-from services.token_billing import DEFAULT_TOKEN_GRANT, get_or_create_account
+from services.token_billing import get_or_create_account
+from services.wechat_virtual_payment import (
+    PAYMENT_EVENTS as WECHAT_PAYMENT_EVENTS,
+    REFUND_EVENTS as WECHAT_REFUND_EVENTS,
+    WechatVirtualPaymentError,
+    build_payment_params as build_wechat_virtual_payment_params,
+    callback_value as wechat_callback_value,
+    exchange_code as exchange_wechat_code,
+    parse_callback_body as parse_wechat_callback_body,
+    product_id_for_plan,
+    query_order as query_wechat_virtual_order,
+    request_refund as request_wechat_virtual_refund,
+    verify_callback_signature as verify_wechat_callback_signature,
+    virtual_env as wechat_virtual_env,
+)
 
 router = APIRouter(tags=["Token"])
 
 PAYMENT_METHODS = {"wechat": "WECHAT", "alipay": "ALIPAY"}
-PAYMENT_SCENES = {"APP", "LITE", "JSAPI"}
+PAYMENT_SCENES = {"APP", "H5", "LITE", "JSAPI"}
 SUCCESS_STATUSES = {"SUCCESS", "SUCCEEDED", "PAID", "COMPLETED", "TRADE_SUCCESS"}
 FAILED_STATUSES = {"FAIL", "FAILED", "CLOSED", "CANCELLED", "CANCELED", "EXPIRED"}
 
@@ -35,6 +58,13 @@ def _require_user(authorization: str | None, db: Session) -> User:
     return user
 
 
+def _require_finance_admin(value: str | None):
+    expected = os.getenv("AVATAR_FINANCE_ADMIN_SECRET", "").strip()
+    provided = str(value or "").strip()
+    if len(expected) < 16 or not hmac.compare_digest(provided, expected):
+        raise HTTPException(status_code=403, detail="财务管理凭证无效")
+
+
 def _payment_client() -> HuihuiPaymentClient:
     return HuihuiPaymentClient({
         "HUIHUI_PAYMENT_BASE_URL": os.getenv(
@@ -70,6 +100,132 @@ def _payment_payload(order: TokenPaymentOrder, account: TokenAccount) -> dict:
     return {**order.to_dict(), "balance": account.balance}
 
 
+def _safe_event_summary(payload: dict) -> str:
+    """Persist only reconciliation fields, never signatures, tokens or session keys."""
+    summary = {}
+    for key in (
+        "Event", "OutTradeNo", "OpenId", "Env", "MchOrderId", "MchRefundId",
+        "WxRefundId", "RefundFee", "RetCode", "RetMsg",
+    ):
+        value = wechat_callback_value(payload, key)
+        if value not in (None, ""):
+            summary[key] = value
+    goods = wechat_callback_value(payload, "GoodsInfo")
+    if isinstance(goods, dict):
+        summary["GoodsInfo"] = {
+            key: goods.get(key)
+            for key in ("ProductId", "Quantity", "OrigPrice", "ActualPrice")
+            if goods.get(key) not in (None, "")
+        }
+    return json.dumps(summary, ensure_ascii=False, separators=(",", ":"))[:2000]
+
+
+def _record_transaction(
+    db: Session,
+    *,
+    order: TokenPaymentOrder,
+    provider: str,
+    status: str,
+    amount_cents: int,
+    event_type: str = "payment",
+    transaction_no: str = "",
+    raw_summary: str = "",
+):
+    if transaction_no:
+        duplicate = db.query(PaymentTransaction).filter(
+            PaymentTransaction.provider == provider,
+            PaymentTransaction.transaction_no == transaction_no,
+            PaymentTransaction.event_type == event_type,
+        ).first()
+        if duplicate:
+            return duplicate
+    row = PaymentTransaction(
+        order_no=order.order_no,
+        provider=provider,
+        transaction_no=transaction_no,
+        event_type=event_type,
+        status=status,
+        amount_cents=amount_cents,
+        raw_summary=raw_summary,
+    )
+    db.add(row)
+    return row
+
+
+def _settle_paid_order(
+    db: Session,
+    order: TokenPaymentOrder,
+    *,
+    provider_status: str,
+    transaction_no: str = "",
+    raw_summary: str = "",
+) -> bool:
+    if order.status in {"paid", "refunded"}:
+        return False
+    updated = db.query(TokenPaymentOrder).filter(
+        TokenPaymentOrder.id == order.id,
+        TokenPaymentOrder.status.in_(["pending", "failed", "closed"]),
+    ).update({
+        TokenPaymentOrder.status: "paid",
+        TokenPaymentOrder.provider_status: provider_status,
+        TokenPaymentOrder.paid_at: datetime.utcnow(),
+        TokenPaymentOrder.failure_reason: "",
+    }, synchronize_session=False)
+    if not updated:
+        return False
+    account = get_or_create_account(db, order.user_id)
+    account.balance = int(account.balance or 0) + order.points_amount
+    account.total_granted = int(account.total_granted or 0) + order.points_amount
+    _record_transaction(
+        db,
+        order=order,
+        provider=order.provider,
+        status="paid",
+        amount_cents=order.price_cents,
+        transaction_no=transaction_no,
+        raw_summary=raw_summary,
+    )
+    return True
+
+
+def _complete_refund(
+    db: Session,
+    order: TokenPaymentOrder,
+    refund: PaymentRefund,
+    *,
+    provider_refund_no: str = "",
+    failure_reason: str = "",
+):
+    if failure_reason:
+        refund.status = "failed"
+        refund.failure_reason = failure_reason[:500]
+        order.refund_status = "failed"
+        return
+    if refund.status == "succeeded":
+        return
+    account = get_or_create_account(db, order.user_id)
+    # Provider-confirmed refunds must claw back the full grant.  A negative
+    # balance records consumed refunded points and blocks further usage.
+    account.balance = int(account.balance or 0) - int(refund.points_amount or 0)
+    account.total_granted = max(0, int(account.total_granted or 0) - int(refund.points_amount or 0))
+    refund.status = "succeeded"
+    refund.provider_refund_no = provider_refund_no[:128]
+    refund.failure_reason = ""
+    refund.completed_at = datetime.utcnow()
+    order.status = "refunded"
+    order.refund_status = "succeeded"
+    order.refunded_at = datetime.utcnow()
+    _record_transaction(
+        db,
+        order=order,
+        provider=order.provider,
+        status="succeeded",
+        amount_cents=refund.amount_cents,
+        event_type="refund",
+        transaction_no=provider_refund_no or refund.refund_no,
+    )
+
+
 def _nested_payload(value):
     if isinstance(value, str):
         text = value.strip()
@@ -159,8 +315,11 @@ def charge(payload: dict = Body(...), authorization: str = Header(None), db: Ses
     pay_way = str(payload.get("payScene") or "APP").upper()
     if pay_way not in PAYMENT_SCENES:
         return fail("当前支付场景不受支持", 400)
+    if pay_way == "LITE" and payment_method != "wechat":
+        return fail("微信小程序虚拟支付仅支持微信支付", 400)
 
     cents = _price_cents(plan.price)
+    provider = "wechat_virtual" if pay_way == "LITE" else "huihui"
     order = TokenPaymentOrder(
         order_no=f"AV{datetime.utcnow().strftime('%Y%m%d%H%M%S')}{uuid.uuid4().hex[:12].upper()}",
         user_id=user.id,
@@ -171,10 +330,35 @@ def charge(payload: dict = Body(...), authorization: str = Header(None), db: Ses
         points_amount=plan.amount,
         price_cents=cents,
         status="pending",
+        provider=provider,
     )
     db.add(order)
     db.commit()
 
+    if provider == "wechat_virtual":
+        if not user.wechat_mp_openid or not user.wechat_mp_session_key:
+            order.status = "failed"
+            order.failure_reason = "微信小程序登录态尚未准备好，请重新进入支付页"
+            db.commit()
+            return fail(order.failure_reason, 409)
+        try:
+            result = build_wechat_virtual_payment_params(
+                order=order,
+                plan=plan,
+                session_key=user.wechat_mp_session_key,
+            )
+        except WechatVirtualPaymentError as exc:
+            order.status = "failed"
+            order.failure_reason = str(exc)[:500]
+            db.commit()
+            return fail(str(exc), 503)
+        order.provider_order_id = order.order_no
+        order.provider_order_no = order.order_no
+        order.provider_status = "CREATED"
+        order.pay_message = json.dumps(result, ensure_ascii=False, separators=(",", ":"))
+        db.commit()
+        return ok(_payment_payload(order, get_or_create_account(db, user.id)))
+
     try:
         callback_url = _callback_url(order.order_no)
     except HuihuiPaymentError as exc:
@@ -229,9 +413,267 @@ def payment_status(order_id: str, authorization: str = Header(None), db: Session
     ).first()
     if not order:
         return fail("支付订单不存在", 404)
+    if order.provider == "wechat_virtual" and order.status == "pending" and user.wechat_mp_openid:
+        try:
+            provider_data = query_wechat_virtual_order(
+                openid=user.wechat_mp_openid,
+                order_no=order.order_no,
+            )
+            provider_order = provider_data.get("order") or {}
+            provider_status = int(provider_order.get("status", 0) or 0)
+            paid_cents = int(provider_order.get("paid_fee") or provider_order.get("order_fee") or 0)
+            order.provider_status = str(provider_status)
+            if provider_status in {2, 3, 4} and paid_cents == order.price_cents:
+                _settle_paid_order(
+                    db,
+                    order,
+                    provider_status=f"XPAY_{provider_status}",
+                    transaction_no=str(
+                        provider_order.get("wxpay_order_id")
+                        or provider_order.get("channel_order_id")
+                        or order.order_no
+                    ),
+                )
+            elif provider_status == 6:
+                order.status = "failed"
+                order.failure_reason = "微信虚拟支付订单已关闭"
+            db.commit()
+            db.refresh(order)
+        except WechatVirtualPaymentError:
+            # 回调仍是首选确认路径；短暂查询失败不覆盖订单状态。
+            pass
     return ok(_payment_payload(order, get_or_create_account(db, user.id)))
 
 
+@router.post("/token/wechat/session")
+def bind_wechat_session(
+    payload: dict = Body(...),
+    authorization: str = Header(None),
+    db: Session = Depends(get_db),
+):
+    user = _require_user(authorization, db)
+    code = str(payload.get("code") or "").strip()
+    if not code or len(code) > 256:
+        return fail("微信登录凭证无效", 400)
+    try:
+        session = exchange_wechat_code(code)
+    except WechatVirtualPaymentError as exc:
+        return fail(str(exc), 502)
+
+    conflict = db.query(User).filter(
+        User.wechat_mp_openid == session["openid"],
+        User.id != user.id,
+    ).first()
+    if conflict:
+        return fail("该微信账号已绑定其他会会账号", 409)
+    user.wechat_mp_openid = session["openid"]
+    user.wechat_mp_session_key = session["session_key"]
+    db.commit()
+    return ok({"ready": True})
+
+
+@router.get("/token/orders")
+def list_user_orders(
+    page: int = Query(1, ge=1),
+    page_size: int = Query(20, ge=1, le=100),
+    authorization: str = Header(None),
+    db: Session = Depends(get_db),
+):
+    user = _require_user(authorization, db)
+    query = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.user_id == user.id)
+    total = query.count()
+    orders = query.order_by(TokenPaymentOrder.created_at.desc()).offset((page - 1) * page_size).limit(page_size).all()
+    invoice_by_order = {
+        item.order_no: item.to_dict()
+        for item in db.query(InvoiceApplication).filter(
+            InvoiceApplication.order_no.in_([order.order_no for order in orders])
+        ).all()
+    } if orders else {}
+    return ok({
+        "total": total,
+        "page": page,
+        "pageSize": page_size,
+        "items": [
+            {**_payment_payload(order, get_or_create_account(db, user.id)), "invoice": invoice_by_order.get(order.order_no)}
+            for order in orders
+        ],
+    })
+
+
+@router.post("/token/orders/{order_no}/invoice")
+def apply_invoice(
+    order_no: str,
+    payload: dict = Body(...),
+    authorization: str = Header(None),
+    db: Session = Depends(get_db),
+):
+    user = _require_user(authorization, db)
+    order = db.query(TokenPaymentOrder).filter(
+        TokenPaymentOrder.order_no == order_no,
+        TokenPaymentOrder.user_id == user.id,
+    ).first()
+    if not order:
+        return fail("订单不存在", 404)
+    if order.status != "paid" or order.refund_status not in {"", "none"}:
+        return fail("只有已支付且未退款的订单可以申请发票", 409)
+    title = str(payload.get("title") or "").strip()
+    invoice_type = str(payload.get("invoiceType") or "personal").strip().lower()
+    tax_number = str(payload.get("taxNumber") or "").strip().upper()
+    email = str(payload.get("email") or "").strip()
+    if not title or len(title) > 120:
+        return fail("请填写正确的发票抬头", 400)
+    if invoice_type not in {"personal", "company"}:
+        return fail("发票类型不正确", 400)
+    if invoice_type == "company" and (len(tax_number) < 15 or len(tax_number) > 20):
+        return fail("请填写正确的企业税号", 400)
+    if email and ("@" not in email or len(email) > 160):
+        return fail("请填写正确的接收邮箱", 400)
+
+    invoice = db.query(InvoiceApplication).filter(InvoiceApplication.order_no == order_no).first()
+    if invoice and invoice.status not in {"rejected", "cancelled"}:
+        return fail("该订单已申请发票", 409)
+    if invoice is None:
+        invoice = InvoiceApplication(order_no=order_no, user_id=user.id, amount_cents=order.price_cents)
+        db.add(invoice)
+    invoice.title = title
+    invoice.invoice_type = invoice_type
+    invoice.tax_number = tax_number if invoice_type == "company" else ""
+    invoice.email = email
+    invoice.status = "pending"
+    invoice.remark = ""
+    db.commit()
+    db.refresh(invoice)
+    return ok(invoice.to_dict())
+
+
+@router.post("/token/admin/orders/{order_no}/refund")
+def admin_request_refund(
+    order_no: str,
+    payload: dict = Body(...),
+    finance_key: str = Header(None, alias="X-Avatar-Finance-Key"),
+    db: Session = Depends(get_db),
+):
+    _require_finance_admin(finance_key)
+    order = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.order_no == order_no).first()
+    if not order:
+        return fail("订单不存在", 404)
+    if order.status != "paid" or order.refund_status not in {"", "none", "failed"}:
+        return fail("该订单当前不可退款", 409)
+    account = get_or_create_account(db, order.user_id)
+    if int(account.balance or 0) < int(order.points_amount or 0):
+        return fail("该订单发放的积分已使用，不能执行全额退款", 409)
+    invoice = db.query(InvoiceApplication).filter(InvoiceApplication.order_no == order.order_no).first()
+    if invoice and invoice.status == "issued":
+        return fail("该订单发票已开具，请先完成红冲再退款", 409)
+    reason = str(payload.get("reason") or "后台退款").strip()
+    if not reason or len(reason) > 200:
+        return fail("请填写 200 字以内的退款原因", 400)
+
+    refund = PaymentRefund(
+        refund_no=f"RF{datetime.utcnow().strftime('%Y%m%d%H%M%S')}{uuid.uuid4().hex[:10].upper()}",
+        order_no=order.order_no,
+        amount_cents=order.price_cents,
+        points_amount=order.points_amount,
+        reason=reason,
+        status="processing",
+        requested_by=str(payload.get("operator") or "admin")[:80],
+    )
+    claimed = db.query(TokenPaymentOrder).filter(
+        TokenPaymentOrder.id == order.id,
+        TokenPaymentOrder.status == "paid",
+        TokenPaymentOrder.refund_status.in_(["", "none", "failed"]),
+    ).update({TokenPaymentOrder.refund_status: "processing"}, synchronize_session=False)
+    if not claimed:
+        db.rollback()
+        return fail("该订单已有退款任务正在处理", 409)
+    db.add(refund)
+    if invoice and invoice.status == "pending":
+        invoice.status = "cancelled"
+        invoice.remark = "订单已申请退款，发票申请自动取消"
+    db.commit()
+
+    user = db.query(User).filter(User.id == order.user_id).first()
+    try:
+        if order.provider == "wechat_virtual":
+            if not user or not user.wechat_mp_openid:
+                raise WechatVirtualPaymentError("订单缺少微信 OpenID，无法退款")
+            provider_result = request_wechat_virtual_refund(
+                openid=user.wechat_mp_openid,
+                order_no=order.order_no,
+                refund_no=refund.refund_no,
+                amount_cents=refund.amount_cents,
+            )
+        else:
+            provider_result = _payment_client().request_refund(
+                huihui_token=user.huihui_token if user else "",
+                huihui_user_id=user.huihui_user_id if user else "",
+                order_no=order.order_no,
+                refund_no=refund.refund_no,
+                amount=f"{refund.amount_cents / 100:.2f}",
+                reason=reason,
+            )
+    except (WechatVirtualPaymentError, HuihuiPaymentError) as exc:
+        _complete_refund(db, order, refund, failure_reason=str(exc))
+        db.commit()
+        return fail(str(exc), 502)
+
+    provider_status = str(
+        provider_result.get("status")
+        or provider_result.get("refundStatus")
+        or provider_result.get("result")
+        or "PROCESSING"
+    ).upper()
+    provider_refund_no = str(
+        provider_result.get("refundNo")
+        or provider_result.get("refundId")
+        or provider_result.get("wx_refund_id")
+        or ""
+    )
+    refund.provider_refund_no = provider_refund_no[:128]
+    if provider_status in {"SUCCESS", "SUCCEEDED", "REFUNDED", "COMPLETED"}:
+        _complete_refund(db, order, refund, provider_refund_no=provider_refund_no)
+    db.commit()
+    db.refresh(refund)
+    return ok(refund.to_dict())
+
+
+@router.post("/token/admin/refunds/{refund_no}/confirm")
+def admin_confirm_refund(
+    refund_no: str,
+    payload: dict = Body(...),
+    finance_key: str = Header(None, alias="X-Avatar-Finance-Key"),
+    db: Session = Depends(get_db),
+):
+    """Record a provider-console reconciliation result for asynchronous refunds."""
+    _require_finance_admin(finance_key)
+    refund = db.query(PaymentRefund).filter(PaymentRefund.refund_no == refund_no).first()
+    if not refund:
+        return fail("退款单不存在", 404)
+    order = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.order_no == refund.order_no).first()
+    if not order:
+        return fail("原支付订单不存在", 404)
+    status = str(payload.get("status") or "").lower()
+    if status == "succeeded":
+        _complete_refund(
+            db,
+            order,
+            refund,
+            provider_refund_no=str(payload.get("providerRefundNo") or refund.provider_refund_no or ""),
+        )
+    elif status == "failed":
+        _complete_refund(
+            db,
+            order,
+            refund,
+            failure_reason=str(payload.get("failureReason") or "供应商退款失败"),
+        )
+    else:
+        return fail("退款确认状态只能是 succeeded 或 failed", 400)
+    db.commit()
+    db.refresh(refund)
+    return ok(refund.to_dict())
+
+
 @router.post("/token/payment/callback/{order_no}/{callback_signature}")
 async def payment_callback(
     order_no: str,
@@ -271,6 +713,8 @@ async def payment_callback(
         return fail("支付订单不存在", 404)
     if order.status == "paid":
         return ok({"received": True, "duplicate": True})
+    if order.status == "refunded":
+        return ok({"received": True, "duplicate": True, "refunded": True})
 
     provider_status = str(_find_value(
         payload, "status", "payStatus", "tradeStatus", "paymentStatus"
@@ -282,6 +726,14 @@ async def payment_callback(
             order.failure_reason = str(
                 _find_value(payload, "message", "errorMsg", "failReason") or "支付失败"
             )[:500]
+            _record_transaction(
+                db,
+                order=order,
+                provider="huihui",
+                status="failed",
+                amount_cents=order.price_cents,
+                transaction_no=str(_find_value(payload, "transactionId", "tradeNo") or ""),
+            )
         db.commit()
         return ok({"received": True, "paid": False})
 
@@ -291,32 +743,148 @@ async def payment_callback(
         db.commit()
         return fail("支付金额不匹配", 422)
 
-    updated = db.query(TokenPaymentOrder).filter(
-        TokenPaymentOrder.id == order.id,
-        TokenPaymentOrder.status != "paid",
-    ).update({
-        TokenPaymentOrder.status: "paid",
-        TokenPaymentOrder.provider_status: provider_status,
-        TokenPaymentOrder.paid_at: datetime.utcnow(),
-        TokenPaymentOrder.failure_reason: "",
-    }, synchronize_session=False)
-    if updated:
-        account = db.query(TokenAccount).filter(TokenAccount.user_id == order.user_id).first()
-        if account is None:
-            account = TokenAccount(
-                user_id=order.user_id,
-                balance=DEFAULT_TOKEN_GRANT,
-                total_granted=DEFAULT_TOKEN_GRANT,
-                total_consumed=0,
-            )
-            db.add(account)
-            db.flush()
-        account.balance = int(account.balance or 0) + order.points_amount
-        account.total_granted = int(account.total_granted or 0) + order.points_amount
+    _settle_paid_order(
+        db,
+        order,
+        provider_status=provider_status,
+        transaction_no=str(_find_value(payload, "transactionId", "tradeNo", "paymentNo") or ""),
+    )
     db.commit()
     return ok({"received": True, "paid": True})
 
 
+def _wechat_notify_response(request: Request, *, success: bool, message: str = ""):
+    code = 0 if success else 1
+    text = "success" if success else (message or "fail")[:200].replace("]]>", "")
+    if "xml" in (request.headers.get("content-type") or "").lower():
+        return Response(
+            content=f"<xml><ErrCode>{code}</ErrCode><ErrMsg><![CDATA[{text}]]></ErrMsg></xml>",
+            media_type="application/xml",
+        )
+    return {"ErrCode": code, "ErrMsg": text}
+
+
+@router.get("/token/payment/wechat/virtual/notify")
+def validate_wechat_virtual_notify(
+    signature: str = Query(""),
+    timestamp: str = Query(""),
+    nonce: str = Query(""),
+    echostr: str = Query(""),
+):
+    if not verify_wechat_callback_signature(signature, timestamp, nonce):
+        raise HTTPException(status_code=403, detail="invalid signature")
+    return Response(content=echostr or "ok", media_type="text/plain")
+
+
+@router.post("/token/payment/wechat/virtual/notify")
+async def wechat_virtual_notify(
+    request: Request,
+    signature: str = Query(""),
+    timestamp: str = Query(""),
+    nonce: str = Query(""),
+    db: Session = Depends(get_db),
+):
+    if not verify_wechat_callback_signature(signature, timestamp, nonce):
+        return _wechat_notify_response(request, success=False, message="invalid signature")
+    try:
+        payload = _nested_payload(parse_wechat_callback_body(await request.body()))
+    except WechatVirtualPaymentError as exc:
+        return _wechat_notify_response(request, success=False, message=str(exc))
+
+    event = str(wechat_callback_value(payload, "Event") or "").lower()
+    if event in WECHAT_PAYMENT_EVENTS:
+        order_no = str(wechat_callback_value(payload, "OutTradeNo") or "").strip()
+        order = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.order_no == order_no).first()
+        if not order or order.provider != "wechat_virtual":
+            return _wechat_notify_response(request, success=False, message="order not found")
+        user = db.query(User).filter(User.id == order.user_id).first()
+        openid = str(wechat_callback_value(payload, "OpenId") or "").strip()
+        if not user or not openid or openid != user.wechat_mp_openid:
+            return _wechat_notify_response(request, success=False, message="openid mismatch")
+        try:
+            callback_env = int(wechat_callback_value(payload, "Env"))
+            actual_price = int(wechat_callback_value(payload, "GoodsInfo", "ActualPrice"))
+        except (TypeError, ValueError):
+            return _wechat_notify_response(request, success=False, message="invalid payment amount")
+        plan = db.query(TokenPlan).filter(TokenPlan.id == order.plan_id).first()
+        product_id = str(wechat_callback_value(payload, "GoodsInfo", "ProductId") or "")
+        try:
+            expected_product_id = product_id_for_plan(plan) if plan else ""
+        except WechatVirtualPaymentError:
+            expected_product_id = ""
+        if (
+            callback_env != wechat_virtual_env()
+            or actual_price != order.price_cents
+            or not expected_product_id
+            or product_id != expected_product_id
+        ):
+            return _wechat_notify_response(request, success=False, message="payment verification failed")
+        transaction_no = str(
+            wechat_callback_value(payload, "WeChatPayInfo", "TransactionId")
+            or wechat_callback_value(payload, "WeChatPayInfo", "MchOrderNo")
+            or order_no
+        )
+        _settle_paid_order(
+            db,
+            order,
+            provider_status=event,
+            transaction_no=transaction_no,
+            raw_summary=_safe_event_summary(payload),
+        )
+        db.commit()
+        return _wechat_notify_response(request, success=True)
+
+    if event in WECHAT_REFUND_EVENTS:
+        order_no = str(wechat_callback_value(payload, "MchOrderId") or "").strip()
+        refund_no = str(wechat_callback_value(payload, "MchRefundId") or "").strip()
+        order = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.order_no == order_no).first()
+        if not order or order.provider != "wechat_virtual":
+            return _wechat_notify_response(request, success=False, message="order not found")
+        if order.status == "refunded" or order.refund_status == "succeeded":
+            return _wechat_notify_response(request, success=True)
+        try:
+            refund_cents = int(wechat_callback_value(payload, "RefundFee") or 0)
+            result_code_value = wechat_callback_value(payload, "RetCode")
+            if result_code_value in (None, ""):
+                raise ValueError("missing RetCode")
+            result_code = int(result_code_value)
+        except (TypeError, ValueError):
+            return _wechat_notify_response(request, success=False, message="invalid refund")
+        refund = db.query(PaymentRefund).filter(PaymentRefund.refund_no == refund_no).first()
+        if refund is None:
+            refund = PaymentRefund(
+                refund_no=refund_no or f"WR{uuid.uuid4().hex[:20].upper()}",
+                order_no=order.order_no,
+                amount_cents=refund_cents,
+                points_amount=order.points_amount,
+                reason="微信侧退款",
+                status="processing",
+                requested_by="wechat",
+            )
+            db.add(refund)
+        if refund_cents != refund.amount_cents:
+            return _wechat_notify_response(request, success=False, message="refund amount mismatch")
+        if result_code == 0:
+            _complete_refund(
+                db,
+                order,
+                refund,
+                provider_refund_no=str(wechat_callback_value(payload, "WxRefundId") or refund_no),
+            )
+        else:
+            _complete_refund(
+                db,
+                order,
+                refund,
+                failure_reason=str(wechat_callback_value(payload, "RetMsg") or "微信退款失败"),
+            )
+        db.commit()
+        return _wechat_notify_response(request, success=True)
+
+    # Irrelevant official-account events should not be retried as payment failures.
+    return _wechat_notify_response(request, success=True)
+
+
 @router.get("/token/usage")
 def usage(authorization: str = Header(None), db: Session = Depends(get_db)):
     user = _require_user(authorization, db)

digital-avatar-app/backend/services/huihui_payment.py

@@ -1,6 +1,7 @@
 """Signed client for Huihui's production payment-v3 service."""
 
 import hashlib
+import os
 import random
 import string
 from datetime import datetime, timedelta, timezone
@@ -122,3 +123,59 @@ class HuihuiPaymentClient:
         if not isinstance(data, dict):
             raise HuihuiPaymentError("会会支付未返回订单信息")
         return data
+
+    def request_refund(
+        self,
+        *,
+        huihui_token: str,
+        huihui_user_id: str,
+        order_no: str,
+        refund_no: str,
+        amount: str,
+        reason: str,
+    ) -> dict[str, Any]:
+        """Submit a full refund to payment-v3.
+
+        The refund path remains configurable because private Huihui deployments
+        may expose the same contract below a different gateway route.
+        """
+        if not self.configured:
+            raise HuihuiPaymentError("会会支付服务未配置")
+        if not huihui_token or not huihui_user_id:
+            raise HuihuiPaymentError("当前会会登录凭证无法发起退款")
+
+        path = os.getenv("HUIHUI_PAYMENT_REFUND_PATH", "/payment/refund").strip()
+        if not path.startswith("/"):
+            path = f"/{path}"
+        if ".." in path:
+            raise HuihuiPaymentError("会会退款接口路径配置不正确")
+        body = {
+            "appId": self.app_id,
+            "masterOrderNo": order_no,
+            "refundOrderNo": refund_no,
+            "refundAmt": float(amount),
+            "refundReason": reason or "后台退款",
+        }
+        headers = {
+            "Authorization": f"Bearer {huihui_token}",
+            "appId": self.app_id,
+            "windowAppId": self.app_id,
+        }
+        try:
+            response = httpx.post(
+                f"{self.base_url}{path}",
+                headers=headers,
+                params=self._signed_params(huihui_user_id),
+                json=body,
+                timeout=self.timeout,
+                follow_redirects=True,
+            )
+        except httpx.HTTPError as exc:
+            raise HuihuiPaymentError("会会退款连接失败，请稍后重试") from exc
+
+        payload = self._json(response)
+        code = payload.get("code")
+        if response.status_code >= 400 or code not in (0, 200, "0", "200"):
+            raise HuihuiPaymentError(payload.get("message") or "会会退款申请失败")
+        data = payload.get("data") or {}
+        return data if isinstance(data, dict) else {"result": data}

digital-avatar-app/backend/services/wechat_virtual_payment.py

@@ -0,0 +1,245 @@
+"""WeChat mini-program virtual-payment signing and server API adapter.
+
+The AppKey and session_key never leave the backend.  The JSON string returned as
+``signData`` is exactly the string used for both HMAC signatures.
+"""
+
+from __future__ import annotations
+
+import hashlib
+import hmac
+import json
+import os
+import time
+import xml.etree.ElementTree as ET
+from typing import Any
+
+import httpx
+
+
+REQUEST_VIRTUAL_PAYMENT_URI = "requestVirtualPayment"
+PAYMENT_EVENTS = {"xpay_goods_deliver_notify"}
+REFUND_EVENTS = {"xpay_refund_notify"}
+
+
+class WechatVirtualPaymentError(RuntimeError):
+    pass
+
+
+def json_compact(payload: dict[str, Any]) -> str:
+    return json.dumps(payload, ensure_ascii=False, separators=(",", ":"))
+
+
+def hmac_sha256_hex(key: str, message: str) -> str:
+    return hmac.new(key.encode("utf-8"), message.encode("utf-8"), hashlib.sha256).hexdigest()
+
+
+def virtual_env() -> int:
+    value = os.getenv("WECHAT_VIRTUAL_ENV", "sandbox").strip().lower()
+    return 0 if value in {"0", "prod", "production", "live", "online"} else 1
+
+
+def _app_key(env: int) -> str:
+    name = "WECHAT_VIRTUAL_APP_KEY" if env == 0 else "WECHAT_VIRTUAL_SANDBOX_APP_KEY"
+    return os.getenv(name, "").strip()
+
+
+def _offer_id() -> str:
+    return os.getenv("WECHAT_VIRTUAL_OFFER_ID", "").strip()
+
+
+def product_id_for_plan(plan) -> str:
+    configured = str(getattr(plan, "virtual_product_id", "") or "").strip()
+    if not configured:
+        configured = os.getenv(f"WECHAT_VIRTUAL_PRODUCT_{plan.id}", "").strip()
+    if not configured:
+        raise WechatVirtualPaymentError(f"套餐 {plan.id} 尚未配置微信虚拟支付商品 ID")
+    if len(configured) > 64 or not all(ch.isalnum() or ch in "_-" for ch in configured):
+        raise WechatVirtualPaymentError("微信虚拟支付商品 ID 格式不正确")
+    return configured
+
+
+def build_payment_params(*, order, plan, session_key: str) -> dict[str, Any]:
+    env = virtual_env()
+    offer_id = _offer_id()
+    app_key = _app_key(env)
+    if not offer_id or not app_key or not session_key:
+        raise WechatVirtualPaymentError("微信小程序虚拟支付配置不完整")
+
+    sign_data = json_compact({
+        "offerId": offer_id,
+        "buyQuantity": 1,
+        "env": env,
+        "currencyType": "CNY",
+        "productId": product_id_for_plan(plan),
+        "goodsPrice": int(order.price_cents),
+        "outTradeNo": order.order_no,
+        "attach": json_compact({"orderNo": order.order_no, "planId": order.plan_id}),
+    })
+    return {
+        "provider": "wechat_virtual",
+        "payment_channel": "virtual",
+        "payment_method": "wechat",
+        "mode": "short_series_goods",
+        "signData": sign_data,
+        "paySig": hmac_sha256_hex(app_key, f"{REQUEST_VIRTUAL_PAYMENT_URI}&{sign_data}"),
+        "signature": hmac_sha256_hex(session_key, sign_data),
+        "env": env,
+        "offerId": offer_id,
+        "outTradeNo": order.order_no,
+    }
+
+
+def exchange_code(code: str) -> dict[str, str]:
+    app_id = os.getenv("WECHAT_MP_APP_ID", "").strip()
+    app_secret = os.getenv("WECHAT_MP_APP_SECRET", "").strip()
+    if not app_id or not app_secret:
+        raise WechatVirtualPaymentError("微信小程序登录配置不完整")
+    try:
+        response = httpx.get(
+            "https://api.weixin.qq.com/sns/jscode2session",
+            params={
+                "appid": app_id,
+                "secret": app_secret,
+                "js_code": code,
+                "grant_type": "authorization_code",
+            },
+            timeout=15,
+        )
+        data = response.json()
+    except (httpx.HTTPError, ValueError) as exc:
+        raise WechatVirtualPaymentError("微信登录态交换失败，请稍后重试") from exc
+    if response.status_code >= 400 or data.get("errcode"):
+        raise WechatVirtualPaymentError(data.get("errmsg") or "微信登录态交换失败")
+    openid = str(data.get("openid") or "").strip()
+    session_key = str(data.get("session_key") or "").strip()
+    if not openid or not session_key:
+        raise WechatVirtualPaymentError("微信未返回完整登录态")
+    return {"openid": openid, "session_key": session_key}
+
+
+def verify_callback_signature(signature: str, timestamp: str, nonce: str) -> bool:
+    token = os.getenv("WECHAT_VIRTUAL_CALLBACK_TOKEN", "").strip()
+    if not token or not signature or not timestamp or not nonce:
+        return False
+    source = "".join(sorted([token, timestamp, nonce]))
+    expected = hashlib.sha1(source.encode("utf-8")).hexdigest()
+    return hmac.compare_digest(signature, expected)
+
+
+def _xml_value(element: ET.Element) -> Any:
+    children = list(element)
+    if not children:
+        return element.text or ""
+    return {child.tag: _xml_value(child) for child in children}
+
+
+def parse_callback_body(body: bytes) -> dict[str, Any]:
+    text = body.decode("utf-8", errors="replace").strip()
+    if not text:
+        return {}
+    try:
+        payload = json.loads(text)
+        if isinstance(payload, dict):
+            return payload
+    except json.JSONDecodeError:
+        pass
+    try:
+        parsed = _xml_value(ET.fromstring(text))
+    except ET.ParseError as exc:
+        raise WechatVirtualPaymentError("微信虚拟支付回调格式不正确") from exc
+    return parsed if isinstance(parsed, dict) else {}
+
+
+def case_get(payload: Any, key: str) -> Any:
+    if not isinstance(payload, dict):
+        return None
+    lowered = key.lower()
+    for current, value in payload.items():
+        if str(current).lower() == lowered:
+            return value
+    return None
+
+
+def callback_value(payload: dict[str, Any], *path: str) -> Any:
+    current: Any = payload
+    for key in path:
+        current = case_get(current, key)
+        if current is None:
+            break
+    return current
+
+
+_access_token_cache: tuple[str, float] = ("", 0)
+
+
+def _access_token() -> str:
+    global _access_token_cache
+    token, expires_at = _access_token_cache
+    if token and expires_at > time.monotonic() + 60:
+        return token
+    app_id = os.getenv("WECHAT_MP_APP_ID", "").strip()
+    app_secret = os.getenv("WECHAT_MP_APP_SECRET", "").strip()
+    if not app_id or not app_secret:
+        raise WechatVirtualPaymentError("微信小程序服务端配置不完整")
+    try:
+        response = httpx.get(
+            "https://api.weixin.qq.com/cgi-bin/token",
+            params={"grant_type": "client_credential", "appid": app_id, "secret": app_secret},
+            timeout=15,
+        )
+        data = response.json()
+    except (httpx.HTTPError, ValueError) as exc:
+        raise WechatVirtualPaymentError("微信 access_token 获取失败") from exc
+    if response.status_code >= 400 or data.get("errcode"):
+        raise WechatVirtualPaymentError(data.get("errmsg") or "微信 access_token 获取失败")
+    token = str(data.get("access_token") or "")
+    if not token:
+        raise WechatVirtualPaymentError("微信未返回 access_token")
+    _access_token_cache = (token, time.monotonic() + int(data.get("expires_in") or 7200))
+    return token
+
+
+def call_xpay(uri: str, payload: dict[str, Any]) -> dict[str, Any]:
+    env = int(payload.get("env", virtual_env()))
+    app_key = _app_key(env)
+    if not app_key:
+        raise WechatVirtualPaymentError("微信虚拟支付 AppKey 未配置")
+    body = json_compact(payload)
+    pay_sig = hmac_sha256_hex(app_key, f"{uri}&{body}")
+    try:
+        response = httpx.post(
+            f"https://api.weixin.qq.com{uri}",
+            params={"access_token": _access_token(), "pay_sig": pay_sig},
+            content=body.encode("utf-8"),
+            headers={"Content-Type": "application/json"},
+            timeout=20,
+        )
+        data = response.json()
+    except (httpx.HTTPError, ValueError) as exc:
+        raise WechatVirtualPaymentError("微信虚拟支付服务暂时不可用") from exc
+    if response.status_code >= 400 or data.get("errcode") not in (None, 0):
+        raise WechatVirtualPaymentError(data.get("errmsg") or "微信虚拟支付请求失败")
+    return data
+
+
+def request_refund(*, openid: str, order_no: str, refund_no: str, amount_cents: int, reason: int = 3) -> dict[str, Any]:
+    return call_xpay("/xpay/refund_order", {
+        "openid": openid,
+        "order_id": order_no,
+        "refund_order_id": refund_no,
+        "left_fee": amount_cents,
+        "refund_fee": amount_cents,
+        "biz_meta": json_compact({"orderNo": order_no}),
+        "refund_reason": int(reason),
+        "req_from": 1,
+        "env": virtual_env(),
+    })
+
+
+def query_order(*, openid: str, order_no: str) -> dict[str, Any]:
+    return call_xpay("/xpay/query_order", {
+        "openid": openid,
+        "order_id": order_no,
+        "env": virtual_env(),
+    })

digital-avatar-app/backend/tests/conftest.py

@@ -6,6 +6,9 @@ from models import (
     Authorization,
     Avatar,
     ChatAttachment,
+    InvoiceApplication,
+    PaymentRefund,
+    PaymentTransaction,
     TakeoverCursor,
     TakeoverMessage,
     TakeoverReplyTask,
@@ -115,6 +118,21 @@ def authorization_context():
             synchronize_session=False
         )
         user_ids = [owner.id, other.id]
+        order_numbers = [
+            row[0] for row in db.query(TokenPaymentOrder.order_no).filter(
+                TokenPaymentOrder.user_id.in_(user_ids)
+            ).all()
+        ]
+        if order_numbers:
+            db.query(InvoiceApplication).filter(InvoiceApplication.order_no.in_(order_numbers)).delete(
+                synchronize_session=False
+            )
+            db.query(PaymentRefund).filter(PaymentRefund.order_no.in_(order_numbers)).delete(
+                synchronize_session=False
+            )
+            db.query(PaymentTransaction).filter(PaymentTransaction.order_no.in_(order_numbers)).delete(
+                synchronize_session=False
+            )
         db.query(TokenPaymentOrder).filter(TokenPaymentOrder.user_id.in_(user_ids)).delete(
             synchronize_session=False
         )

digital-avatar-app/backend/tests/test_huihui_payment.py

@@ -1,3 +1,4 @@
+import os
 from unittest.mock import Mock, patch
 
 from services.huihui_payment import HuihuiPaymentClient
@@ -48,3 +49,35 @@ def test_create_payment_uses_huihui_payment_v3_contract():
     assert body["payWay"] == "APP"
     assert body["masterOrderAmt"] == "10.00"
     assert body["payAmt"] == 10.0
+
+
+def test_request_refund_uses_configured_huihui_endpoint_without_exposing_secret():
+    client = HuihuiPaymentClient({
+        "HUIHUI_PAYMENT_BASE_URL": "https://open.example/api/payment-v3",
+        "HUIHUI_APP_ID": "app-id",
+        "HUIHUI_ACCESS_ID": "access-id",
+        "HUIHUI_ACCESS_SECRET": "access-secret",
+    })
+    response = Mock(status_code=200)
+    response.json.return_value = {"code": 200, "data": {"status": "PROCESSING", "refundNo": "provider-rf"}}
+    with patch.dict(os.environ, {"HUIHUI_PAYMENT_REFUND_PATH": "/payment/refund"}), patch(
+        "services.huihui_payment.httpx.post", return_value=response
+    ) as post:
+        result = client.request_refund(
+            huihui_token="user-token",
+            huihui_user_id="user-id",
+            order_no="AV1",
+            refund_no="RF1",
+            amount="10.00",
+            reason="用户申请",
+        )
+    assert result["refundNo"] == "provider-rf"
+    assert post.call_args.args[0] == "https://open.example/api/payment-v3/payment/refund"
+    assert post.call_args.kwargs["json"] == {
+        "appId": "app-id",
+        "masterOrderNo": "AV1",
+        "refundOrderNo": "RF1",
+        "refundAmt": 10.0,
+        "refundReason": "用户申请",
+    }
+    assert "accessSecret" not in post.call_args.kwargs["params"]

digital-avatar-app/backend/tests/test_virtual_payment_flow.py

@@ -0,0 +1,104 @@
+import hashlib
+import json
+import os
+from unittest.mock import patch
+
+from fastapi.testclient import TestClient
+
+from database import SessionLocal
+from main import app, seed
+from models import InvoiceApplication, PaymentRefund, TokenAccount, TokenPaymentOrder, TokenPlan, User
+from services.token_billing import DEFAULT_TOKEN_GRANT
+
+
+client = TestClient(app)
+
+
+def _signature(token, timestamp, nonce):
+    return hashlib.sha1("".join(sorted([token, timestamp, nonce])).encode()).hexdigest()
+
+
+def test_virtual_payment_callback_and_refund_are_idempotent(authorization_context):
+    seed()
+    context = authorization_context
+    db = SessionLocal()
+    try:
+        user = db.query(User).filter(User.id == context["owner"].id).one()
+        user.wechat_mp_openid = "openid-flow"
+        user.wechat_mp_session_key = "session-flow"
+        plan = db.query(TokenPlan).filter(TokenPlan.id == "1").one()
+        plan.virtual_product_id = "points_plan_1"
+        db.commit()
+    finally:
+        db.close()
+
+    env = {
+        "WECHAT_VIRTUAL_ENV": "sandbox",
+        "WECHAT_VIRTUAL_SANDBOX_APP_KEY": "sandbox-key",
+        "WECHAT_VIRTUAL_OFFER_ID": "offer-1",
+        "WECHAT_VIRTUAL_CALLBACK_TOKEN": "callback-token",
+        "AVATAR_FINANCE_ADMIN_SECRET": "finance-admin-secret-123",
+    }
+    with patch.dict(os.environ, env):
+        created = client.post(
+            "/api/token/charge",
+            headers=context["owner_headers"],
+            json={"planId": "1", "paymentMethod": "wechat", "payScene": "LITE"},
+        ).json()["data"]
+        assert created["provider"] == "wechat_virtual"
+        params = json.loads(created["payMessage"])
+        assert params["mode"] == "short_series_goods"
+        assert "session-flow" not in created["payMessage"]
+
+        notify = {
+            "Event": "xpay_goods_deliver_notify",
+            "OutTradeNo": created["orderNo"],
+            "OpenId": "openid-flow",
+            "Env": 1,
+            "GoodsInfo": json.dumps({"ProductId": "points_plan_1", "ActualPrice": 1000}),
+            "WeChatPayInfo": json.dumps({"TransactionId": "wx-transaction-1"}),
+        }
+        query = {"timestamp": "100", "nonce": "nonce", "signature": _signature("callback-token", "100", "nonce")}
+        assert client.post("/api/token/payment/wechat/virtual/notify", params=query, json=notify).json()["ErrCode"] == 0
+        assert client.post("/api/token/payment/wechat/virtual/notify", params=query, json=notify).json()["ErrCode"] == 0
+
+        invoice = client.post(
+            f"/api/token/orders/{created['orderNo']}/invoice",
+            headers=context["owner_headers"],
+            json={"title": "测试用户", "invoiceType": "personal", "email": "test@example.com"},
+        ).json()["data"]
+        assert invoice["status"] == "pending"
+
+        with patch("routers.tokens.request_wechat_virtual_refund", return_value={"errcode": 0}):
+            refund_response = client.post(
+                f"/api/token/admin/orders/{created['orderNo']}/refund",
+                headers={"X-Avatar-Finance-Key": "finance-admin-secret-123"},
+                json={"reason": "用户申请退款", "operator": "tester"},
+            )
+        assert refund_response.json()["data"]["status"] == "processing"
+        refund_no = refund_response.json()["data"]["refundNo"]
+
+        refund_notify = {
+            "Event": "xpay_refund_notify",
+            "MchOrderId": created["orderNo"],
+            "MchRefundId": refund_no,
+            "WxRefundId": "wx-refund-1",
+            "RefundFee": 1000,
+            "RetCode": 0,
+        }
+        assert client.post("/api/token/payment/wechat/virtual/notify", params=query, json=refund_notify).json()["ErrCode"] == 0
+        assert client.post("/api/token/payment/wechat/virtual/notify", params=query, json=refund_notify).json()["ErrCode"] == 0
+        assert client.post("/api/token/payment/wechat/virtual/notify", params=query, json=notify).json()["ErrCode"] == 0
+
+    db = SessionLocal()
+    try:
+        order = db.query(TokenPaymentOrder).filter(TokenPaymentOrder.order_no == created["orderNo"]).one()
+        account = db.query(TokenAccount).filter(TokenAccount.user_id == context["owner"].id).one()
+        refund = db.query(PaymentRefund).filter(PaymentRefund.refund_no == refund_no).one()
+        invoice = db.query(InvoiceApplication).filter(InvoiceApplication.order_no == created["orderNo"]).one()
+        assert order.status == "refunded"
+        assert refund.status == "succeeded"
+        assert invoice.status == "cancelled"
+        assert account.balance == DEFAULT_TOKEN_GRANT
+    finally:
+        db.close()

digital-avatar-app/backend/tests/test_wechat_virtual_payment.py

@@ -0,0 +1,72 @@
+import hashlib
+import hmac
+import json
+import os
+from types import SimpleNamespace
+from unittest.mock import Mock, patch
+
+from services import wechat_virtual_payment as virtual
+
+
+def test_build_payment_params_signs_the_exact_compact_payload():
+    order = SimpleNamespace(order_no="AV202609080001", plan_id="plan-1", price_cents=1000)
+    plan = SimpleNamespace(id="plan-1", virtual_product_id="points_plan_1")
+    env = {
+        "WECHAT_VIRTUAL_ENV": "sandbox",
+        "WECHAT_VIRTUAL_SANDBOX_APP_KEY": "sandbox-key",
+        "WECHAT_VIRTUAL_OFFER_ID": "offer-1",
+    }
+    with patch.dict(os.environ, env, clear=False):
+        result = virtual.build_payment_params(order=order, plan=plan, session_key="session-key")
+
+    sign_data = result["signData"]
+    assert sign_data == json.dumps({
+        "offerId": "offer-1",
+        "buyQuantity": 1,
+        "env": 1,
+        "currencyType": "CNY",
+        "productId": "points_plan_1",
+        "goodsPrice": 1000,
+        "outTradeNo": "AV202609080001",
+        "attach": '{"orderNo":"AV202609080001","planId":"plan-1"}',
+    }, ensure_ascii=False, separators=(",", ":"))
+    assert result["paySig"] == hmac.new(
+        b"sandbox-key", f"requestVirtualPayment&{sign_data}".encode(), hashlib.sha256
+    ).hexdigest()
+    assert result["signature"] == hmac.new(
+        b"session-key", sign_data.encode(), hashlib.sha256
+    ).hexdigest()
+
+
+def test_callback_signature_and_xml_body_are_supported():
+    with patch.dict(os.environ, {"WECHAT_VIRTUAL_CALLBACK_TOKEN": "callback-token"}):
+        signature = hashlib.sha1("".join(sorted(["callback-token", "100", "nonce"])).encode()).hexdigest()
+        assert virtual.verify_callback_signature(signature, "100", "nonce")
+    payload = virtual.parse_callback_body(
+        b"<xml><Event>xpay_refund_notify</Event><GoodsInfo><ActualPrice>1000</ActualPrice></GoodsInfo></xml>"
+    )
+    assert virtual.callback_value(payload, "event") == "xpay_refund_notify"
+    assert virtual.callback_value(payload, "goodsinfo", "actualprice") == "1000"
+
+
+def test_xpay_request_uses_server_access_token_and_pay_signature():
+    token_response = Mock(status_code=200)
+    token_response.json.return_value = {"access_token": "server-token", "expires_in": 7200}
+    pay_response = Mock(status_code=200)
+    pay_response.json.return_value = {"errcode": 0, "order": {"status": 2}}
+    virtual._access_token_cache = ("", 0)
+    env = {
+        "WECHAT_MP_APP_ID": "wx-app",
+        "WECHAT_MP_APP_SECRET": "wx-secret",
+        "WECHAT_VIRTUAL_SANDBOX_APP_KEY": "sandbox-key",
+        "WECHAT_VIRTUAL_ENV": "sandbox",
+    }
+    with patch.dict(os.environ, env), patch.object(virtual.httpx, "get", return_value=token_response), patch.object(
+        virtual.httpx, "post", return_value=pay_response
+    ) as post:
+        result = virtual.query_order(openid="openid", order_no="AV1")
+    assert result["order"]["status"] == 2
+    body = '{"openid":"openid","order_id":"AV1","env":1}'
+    expected = hmac.new(b"sandbox-key", f"/xpay/query_order&{body}".encode(), hashlib.sha256).hexdigest()
+    assert post.call_args.args[0] == "https://api.weixin.qq.com/xpay/query_order"
+    assert post.call_args.kwargs["params"] == {"access_token": "server-token", "pay_sig": expected}

digital-avatar-app/docs/H5_PRODUCTION_DEPLOYMENT.md

@@ -45,6 +45,21 @@ HUIHUI_PAYMENT_BASE_URL=https://open.99hui.com/api/payment-v3
 HUIHUI_PAYMENT_CALLBACK_BASE_URL=https://digital.99hui.com
 HUIHUI_PAYMENT_CALLBACK_SECRET=<至少32位随机密钥>
 HUIHUI_PAYMENT_TIMEOUT_SECONDS=30
+HUIHUI_PAYMENT_REFUND_PATH=/payment/refund
+AVATAR_FINANCE_ADMIN_SECRET=<至少32位随机密钥，与管理后台一致>
+
+# 微信小程序虚拟支付；联调先使用 sandbox
+WECHAT_MP_APP_ID=<小程序AppID>
+WECHAT_MP_APP_SECRET=<小程序AppSecret>
+WECHAT_VIRTUAL_ENV=sandbox
+WECHAT_VIRTUAL_SANDBOX_APP_KEY=<沙箱AppKey>
+WECHAT_VIRTUAL_APP_KEY=<正式AppKey>
+WECHAT_VIRTUAL_OFFER_ID=<offer-id>
+WECHAT_VIRTUAL_CALLBACK_TOKEN=<回调校验Token>
+WECHAT_VIRTUAL_PRODUCT_1=<10元套餐商品ID>
+WECHAT_VIRTUAL_PRODUCT_2=<100元套餐商品ID>
+WECHAT_VIRTUAL_PRODUCT_3=<1000元套餐商品ID>
+WECHAT_VIRTUAL_PRODUCT_4=<10000元套餐商品ID>
 
 DATABASE_URL=sqlite:////data/avatar.db
 UPLOAD_DIR=/data/uploads
@@ -69,7 +84,11 @@ CHAT_ATTACHMENT_CLEANUP_MINUTES=60
 
 `EMBEDDING_API_URL` 同时支持 OpenAI 兼容基础地址（如上面的 `/v1`）和完整的 `/v1/embeddings` 地址，后端会统一请求 `/embeddings`。发布后必须在后端容器内执行一次最小向量探针，确认返回向量数量和维度，而不能只检查 `/api/health`。
 
-积分充值使用会会支付体系的 `payment-v3/payment/pay`，渠道值为 `WECHAT` / `ALIPAY`，端内支付场景为 `APP`，微信内 H5 使用 `JSAPI`。`HUIHUI_PAYMENT_CALLBACK_SECRET` 只用于为每笔订单生成 HMAC 回调签名，不会发送到前端或直接出现在回调地址中。支付回调确认状态成功且金额与套餐价格完全一致后才增加积分，重复回调不会重复到账。
+App 与 H5 积分充值使用会会支付体系的 `payment-v3/payment/pay`，渠道值为 `WECHAT` / `ALIPAY`；App 场景为 `APP`，普通浏览器为 `H5`，微信内 H5 为 `JSAPI`。`HUIHUI_PAYMENT_CALLBACK_SECRET` 只用于为每笔订单生成 HMAC 回调签名，不会发送到前端或直接出现在回调地址中。支付回调确认状态成功且金额与套餐价格完全一致后才增加积分，重复回调不会重复到账。
+
+微信小程序使用微信虚拟支付：小程序先通过 `POST /api/token/wechat/session` 交换临时登录码，再由 `POST /api/token/charge`（`payScene=LITE`）返回已签名的 `requestVirtualPayment` 参数。微信回调地址配置为 `https://digital.99hui.com/api/token/payment/wechat/virtual/notify`。回调会复核签名、OpenID、环境、商品 ID 与实付金额，退款回调确认后才扣回积分。AppKey、AppSecret、session_key 均不得下发前端或写日志。
+
+管理后台需要配置相同的 `AVATAR_FINANCE_ADMIN_SECRET` 和 `AVATAR_BACKEND_URL=https://digital.99hui.com`。退款只支持整单原路退款；供应商受理后显示“处理中”，收到渠道成功回调（或经渠道后台核对后人工确认）才将订单置为已退款。已消费掉本订单积分时，后台会拒绝主动退款；若渠道外部退款先发生，积分账户允许形成负数以记录欠额并阻止继续消费。
 
 ## 3. 构建与发布
 
@@ -137,7 +156,9 @@ location /api/ {
 8. 重建容器后数据库、头像、知识库文档仍存在，`/api/health` 返回成功。
 9. `https://digital.99hui.com/api/health` 可访问，证书域名和有效期正确，HTTP 自动跳转 HTTPS。
 10. 微信和支付宝各创建一笔最小套餐订单，未付款时积分不变；支付成功后回调到账一次，重复回调积分不重复增加。
-11. 私聊和公开分享各上传 JPG、PNG、WebP 图片并完成追问；上传非图片、超过 8MB 或跨分身附件时必须拒绝。
+11. 微信虚拟支付在沙箱环境完成下单、支付回调、查单兜底和退款回调；错误 OpenID、商品、环境或金额均被拒绝。
+12. 财务后台能筛选订单、关闭待支付订单、发起整单退款、登记退款对账结果，并处理个人/企业电子发票申请。
+13. 私聊和公开分享各上传 JPG、PNG、WebP 图片并完成追问；上传非图片、超过 8MB 或跨分身附件时必须拒绝。
 12. 病例图片可以提取可见文字并标记待核对内容，医学影像不作确定诊断；视觉与 OCR 调用分别扣减积分。
 13. 检查服务器上传目录不残留聊天原图，数据库过期图片识别记录在清理周期后删除，日志不出现 Base64 或病例正文。
 

digital-avatar-app/src/api/index.ts

@@ -152,16 +152,35 @@ export interface TokenPaymentOrder {
   planId: string
   paymentMethod: 'wechat' | 'alipay'
   payType: 'WECHAT' | 'ALIPAY'
-  payWay: 'APP' | 'LITE' | 'JSAPI'
+  payWay: 'APP' | 'H5' | 'LITE' | 'JSAPI'
   pointsAmount: number
   price: number
-  status: 'pending' | 'paid' | 'failed'
+  status: 'pending' | 'paid' | 'failed' | 'closed' | 'refunded'
+  provider: 'huihui' | 'wechat_virtual'
   providerStatus: string
   payMessage: string
   failureReason: string
+  refundStatus: 'none' | 'pending' | 'processing' | 'succeeded' | 'failed'
+  createdAt: string | null
+  paidAt: string | null
+  refundedAt: string | null
   balance: number
 }
 
+export interface TokenInvoice {
+  id: string
+  orderNo: string
+  title: string
+  invoiceType: 'personal' | 'company'
+  taxNumber: string
+  email: string
+  amount: number
+  status: 'pending' | 'issued' | 'rejected' | 'cancelled'
+  invoiceNo: string
+  invoiceUrl: string
+  remark: string
+}
+
 // 获取 Token 余额
 export const getTokenBalance = () =>
   request.get<TokenBalance>('/token/balance')
@@ -174,12 +193,25 @@ export const getRechargePlans = () =>
 export const chargeToken = (
   planId: string,
   paymentMethod: 'wechat' | 'alipay',
-  payScene: 'APP' | 'LITE' | 'JSAPI'
+  payScene: 'APP' | 'H5' | 'LITE' | 'JSAPI'
 ) => request.post<TokenPaymentOrder>('/token/charge', { planId, paymentMethod, payScene })
 
 export const getTokenPaymentStatus = (orderId: string) =>
   request.get<TokenPaymentOrder>(`/token/payment/${orderId}`)
 
+export const bindWechatVirtualSession = (code: string) =>
+  request.post<{ ready: boolean }>('/token/wechat/session', { code })
+
+export const getTokenOrders = (page = 1, pageSize = 20) =>
+  request.get<{ total: number; page: number; pageSize: number; items: Array<TokenPaymentOrder & { invoice?: TokenInvoice }> }>(
+    '/token/orders', { params: { page, page_size: pageSize } }
+  )
+
+export const applyTokenInvoice = (
+  orderNo: string,
+  payload: { title: string; invoiceType: 'personal' | 'company'; taxNumber?: string; email?: string }
+) => request.post<TokenInvoice>(`/token/orders/${orderNo}/invoice`, payload)
+
 // 按分身和使用场景汇总 Token 消耗
 export const getTokenUsage = () =>
   request.get<TokenUsageSummary[]>('/token/usage')

digital-avatar-app/src/views/TokenCharge.vue

@@ -74,6 +74,35 @@
         {{ checkoutLabel }}
       </button>
     </section>
+
+    <section v-if="recentOrders.length" class="orders-section">
+      <h3 class="section-title">充值记录</h3>
+      <div v-for="order in recentOrders" :key="order.id" class="order-card">
+        <div>
+          <strong>{{ order.pointsAmount.toLocaleString() }} 积分</strong>
+          <p>{{ order.orderNo }} · {{ order.createdAt ? new Date(order.createdAt).toLocaleDateString('zh-CN') : '' }}</p>
+        </div>
+        <div class="order-side">
+          <strong>¥{{ order.price.toFixed(2) }}</strong>
+          <button v-if="canInvoice(order)" class="text-btn" @click="openInvoice(order)">申请发票</button>
+          <span v-else class="order-status">{{ orderStatus(order) }}</span>
+        </div>
+      </div>
+    </section>
+
+    <div v-if="invoiceOrder" class="modal-mask" @click.self="invoiceOrder = null">
+      <form class="invoice-modal" @submit.prevent="submitInvoice">
+        <h3>申请电子发票</h3>
+        <label>发票类型
+          <select v-model="invoiceType"><option value="personal">个人</option><option value="company">企业</option></select>
+        </label>
+        <label>发票抬头<input v-model.trim="invoiceTitle" maxlength="120" required /></label>
+        <label v-if="invoiceType === 'company'">企业税号<input v-model.trim="invoiceTaxNumber" minlength="15" maxlength="20" required /></label>
+        <label>接收邮箱<input v-model.trim="invoiceEmail" type="email" placeholder="选填" /></label>
+        <p v-if="invoiceError" class="invoice-error">{{ invoiceError }}</p>
+        <div class="modal-actions"><button type="button" @click="invoiceOrder = null">取消</button><button class="primary" :disabled="invoiceSubmitting">{{ invoiceSubmitting ? '提交中…' : '提交申请' }}</button></div>
+      </form>
+    </div>
   </div>
 </template>
 
@@ -82,8 +111,10 @@ import { computed, onMounted, onUnmounted, ref } from 'vue'
 import { useRouter } from 'vue-router'
 import {
   chargeToken,
+  applyTokenInvoice,
   getRechargePlans,
   getTokenBalance,
+  getTokenOrders,
   getTokenPaymentStatus,
   type TokenPaymentOrder
 } from '@/api'
@@ -114,6 +145,14 @@ const paymentMethod = ref<'wechat' | 'alipay'>('wechat')
 const paymentNotice = ref('')
 const paymentNoticeTone = ref<'pending' | 'success' | 'error'>('pending')
 const pendingOrderId = ref(sessionStorage.getItem('hh_pending_payment_order') || '')
+const recentOrders = ref<Array<TokenPaymentOrder & { invoice?: any }>>([])
+const invoiceOrder = ref<(TokenPaymentOrder & { invoice?: any }) | null>(null)
+const invoiceType = ref<'personal' | 'company'>('personal')
+const invoiceTitle = ref('')
+const invoiceTaxNumber = ref('')
+const invoiceEmail = ref('')
+const invoiceError = ref('')
+const invoiceSubmitting = ref(false)
 let pollTimer: number | undefined
 let pollDeadline = 0
 let removeNativeListener: (() => void) | undefined
@@ -133,6 +172,51 @@ const loadData = async () => {
   } catch (e) {
     console.error('加载套餐失败', e)
   }
+  try {
+    const result = await getTokenOrders(1, 10)
+    recentOrders.value = result?.items || []
+  } catch (e) {
+    console.error('加载充值记录失败', e)
+  }
+}
+
+const canInvoice = (order: TokenPaymentOrder & { invoice?: any }) =>
+  order.status === 'paid' && (!order.refundStatus || order.refundStatus === 'none') &&
+  (!order.invoice || ['rejected', 'cancelled'].includes(order.invoice.status))
+const orderStatus = (order: TokenPaymentOrder & { invoice?: any }) => {
+  if (order.invoice?.status === 'issued') return '发票已开具'
+  if (order.invoice?.status === 'pending') return '发票处理中'
+  if (order.invoice?.status === 'rejected') return '发票已驳回'
+  return ({ pending: '待支付', paid: '已支付', failed: '支付失败', closed: '已关闭', refunded: '已退款' } as Record<string, string>)[order.status] || order.status
+}
+const openInvoice = (order: TokenPaymentOrder & { invoice?: any }) => {
+  invoiceOrder.value = order
+  invoiceType.value = 'personal'
+  invoiceTitle.value = ''
+  invoiceTaxNumber.value = ''
+  invoiceEmail.value = ''
+  invoiceError.value = ''
+}
+const submitInvoice = async () => {
+  if (!invoiceOrder.value || invoiceSubmitting.value) return
+  invoiceSubmitting.value = true
+  invoiceError.value = ''
+  try {
+    await applyTokenInvoice(invoiceOrder.value.orderNo, {
+      title: invoiceTitle.value,
+      invoiceType: invoiceType.value,
+      taxNumber: invoiceTaxNumber.value,
+      email: invoiceEmail.value
+    })
+    paymentNoticeTone.value = 'success'
+    paymentNotice.value = '发票申请已提交，请等待财务处理'
+    invoiceOrder.value = null
+    await loadData()
+  } catch (error: any) {
+    invoiceError.value = error?.message || '发票申请提交失败'
+  } finally {
+    invoiceSubmitting.value = false
+  }
 }
 
 // 会会支付订单创建与到账确认
@@ -151,8 +235,9 @@ const checkoutLabel = computed(() => {
 })
 
 const payScene = () => {
+  if (isInUniWebView()) return 'APP' as const
   if (paymentMethod.value === 'wechat' && /MicroMessenger/i.test(navigator.userAgent)) return 'JSAPI' as const
-  return 'APP' as const
+  return 'H5' as const
 }
 
 const parsePayMessage = (message: string) => {
@@ -231,6 +316,7 @@ const pollPayment = async () => {
       paymentNoticeTone.value = 'success'
       paymentNotice.value = `支付成功，${order.pointsAmount.toLocaleString()} 积分已到账`
       clearPendingOrder()
+      void loadData()
       return
     }
     if (order.status === 'failed') {
@@ -562,6 +648,17 @@ onUnmounted(() => {
   padding: 0 20px;
 }
 
+.orders-section { padding: 24px 20px 0; }
+.order-card { display:flex; align-items:center; justify-content:space-between; padding:14px 16px; margin-bottom:10px; background:#fff; border:1px solid #EDEEF1; border-radius:12px; }
+.order-card strong { color:#18191C; font-size:14px; }.order-card p,.order-status { color:#9398AE; font-size:11px; margin:5px 0 0; }
+.order-side { text-align:right; }.text-btn { display:block; margin-top:5px; padding:0; border:0; background:none; color:#F97316; font-size:12px; cursor:pointer; }
+.modal-mask { position:fixed; inset:0; z-index:20; display:grid; place-items:center; padding:20px; background:rgba(15,23,42,.45); }
+.invoice-modal { width:min(100%,420px); padding:22px; border-radius:16px; background:#fff; box-shadow:0 18px 50px rgba(15,23,42,.2); }
+.invoice-modal h3 { margin:0 0 18px; }.invoice-modal label { display:grid; gap:7px; margin:12px 0; color:#4B5563; font-size:13px; }
+.invoice-modal input,.invoice-modal select { width:100%; height:42px; padding:0 12px; border:1px solid #D9DCE3; border-radius:9px; background:#fff; color:#18191C; font-size:14px; }
+.invoice-error { color:#B42318; font-size:12px; }.modal-actions { display:flex; justify-content:flex-end; gap:10px; margin-top:20px; }
+.modal-actions button { padding:9px 18px; border:1px solid #D9DCE3; border-radius:9px; background:#fff; }.modal-actions .primary { border-color:#F97316; background:#F97316; color:#fff; }
+
 .checkout-btn {
   width: 100%;
   padding: 16px;

docker-compose.yml

@@ -20,11 +20,13 @@ services:
       - AVATAR_MODEL_CONFIG_TOKEN=${AVATAR_MODEL_CONFIG_TOKEN:-}
       - TZ=Asia/Shanghai
       - AVATAR_DB_PATH=/app/avatar.db
+      - AVATAR_BACKEND_URL=${AVATAR_BACKEND_URL:-}
+      - AVATAR_FINANCE_ADMIN_SECRET=${AVATAR_FINANCE_ADMIN_SECRET:-}
     volumes:
       - ./backend/app:/app/app    # ← 核心：代码目录直接挂载，改文件无需重建
       - ./backend/logs:/app/logs
       - ./backend/config:/app/config
-      - ./digital-avatar-app/backend/avatar.db:/app/avatar.db:ro   # 数字分身 SQLite（只读）
+      - ./digital-avatar-app/backend/avatar.db:/app/avatar.db      # 财务管理需要写入退款与开票状态
     depends_on:
       - ai-virtual-mysql
       - ai-virtual-redis

frontend/src/api/index.js

@@ -94,5 +94,15 @@ export const uploadAvatarPhoto = (id, formData) => request.post(`/avatars/${id}/
   headers: { 'Content-Type': 'multipart/form-data' }
 })
 
+// Finance (数字分身积分订单)
+export const getFinanceSummary = () => request.get('/finance/summary')
+export const getFinanceOrders = (params) => request.get('/finance/orders', { params })
+export const updateFinanceOrderStatus = (orderNo, data) => request.patch(`/finance/orders/${orderNo}/status`, data)
+export const requestFinanceRefund = (orderNo, data) => request.post(`/finance/orders/${orderNo}/refund`, data)
+export const getFinanceRefunds = (params) => request.get('/finance/refunds', { params })
+export const confirmFinanceRefund = (refundNo, data) => request.post(`/finance/refunds/${refundNo}/confirm`, data)
+export const getFinanceInvoices = (params) => request.get('/finance/invoices', { params })
+export const updateFinanceInvoice = (invoiceId, data) => request.patch(`/finance/invoices/${invoiceId}`, data)
+
 export default request
 export const uploadAvatar = (userId, formData) => request.post(`/users/${userId}/upload-avatar`, formData, { headers: { "Content-Type": "multipart/form-data" } })

frontend/src/layouts/MainLayout.vue

@@ -15,6 +15,10 @@
           <el-icon><UserFilled /></el-icon>
           <span>数字分身管理</span>
         </el-menu-item>
+        <el-menu-item index="/finance">
+          <el-icon><WalletFilled /></el-icon>
+          <span>财务管理</span>
+        </el-menu-item>
         <el-menu-item index="/users">
           <el-icon><User /></el-icon>
           <span>虚拟用户</span>

frontend/src/router/index.js

@@ -8,6 +8,7 @@ const routes = [
       { path: '', redirect: '/dashboard' },
       { path: 'dashboard', component: () => import('@/views/Dashboard.vue'), meta: { title: '数据看板' } },
       { path: 'avatars', component: () => import('@/views/Avatars.vue'), meta: { title: '数字分身管理' } },
+      { path: 'finance', component: () => import('@/views/Finance.vue'), meta: { title: '财务管理' } },
       { path: 'users', component: () => import('@/views/Users.vue'), meta: { title: '虚拟用户管理' } },
       { path: 'interactions', component: () => import('@/views/Interactions.vue'), meta: { title: '互动记录' } },
       { path: 'ai-models', component: () => import('@/views/AIModels.vue'), meta: { title: 'AI模型配置' } },

frontend/src/views/Finance.vue

@@ -0,0 +1,142 @@
+<template>
+  <div class="page-container finance-page">
+    <div class="page-header">
+      <div>
+        <div class="page-title">财务管理</div>
+        <div class="subtitle">数字分身积分订单、退款与发票处理</div>
+      </div>
+      <el-button :loading="loading" @click="loadAll"><el-icon><Refresh /></el-icon>刷新</el-button>
+    </div>
+
+    <div class="summary-grid">
+      <div class="stat-card"><div class="stat-label">实收金额</div><div class="stat-value">¥{{ money(summary.paid_revenue) }}</div><small>{{ summary.paid_orders }} 笔已支付</small></div>
+      <div class="stat-card"><div class="stat-label">待支付订单</div><div class="stat-value warning">{{ summary.pending_orders }}</div><small>可关闭或标记失败</small></div>
+      <div class="stat-card"><div class="stat-label">处理中退款</div><div class="stat-value danger">{{ summary.processing_refunds }}</div><small>等待支付渠道确认</small></div>
+      <div class="stat-card"><div class="stat-label">待开发票</div><div class="stat-value success">{{ summary.pending_invoices }}</div><small>等待财务处理</small></div>
+    </div>
+
+    <el-tabs v-model="activeTab" class="finance-tabs" @tab-change="loadActive">
+      <el-tab-pane label="支付订单" name="orders">
+        <div class="filter-bar">
+          <el-input v-model="filters.keyword" placeholder="订单号、昵称或手机号" clearable style="width:240px" @keyup.enter="loadOrders" />
+          <el-select v-model="filters.status" placeholder="订单状态" clearable style="width:140px" @change="loadOrders">
+            <el-option v-for="item in orderStatuses" :key="item.value" :label="item.label" :value="item.value" />
+          </el-select>
+          <el-select v-model="filters.provider" placeholder="支付渠道" clearable style="width:150px" @change="loadOrders">
+            <el-option label="会会支付" value="huihui" /><el-option label="微信虚拟支付" value="wechat_virtual" />
+          </el-select>
+          <el-button type="primary" @click="loadOrders">查询</el-button>
+        </div>
+        <el-table :data="orders" v-loading="loading" class="data-table">
+          <el-table-column label="订单 / 用户" min-width="230">
+            <template #default="{ row }"><b>{{ row.order_no }}</b><div class="muted">{{ row.user_nickname || '会会用户' }} · {{ row.user_phone || '--' }}</div></template>
+          </el-table-column>
+          <el-table-column label="套餐积分" width="130"><template #default="{ row }">{{ Number(row.points_amount || 0).toLocaleString() }}</template></el-table-column>
+          <el-table-column label="金额" width="100"><template #default="{ row }">¥{{ money(row.price) }}</template></el-table-column>
+          <el-table-column label="渠道" width="130"><template #default="{ row }">{{ providerLabel[row.provider] || row.provider }}</template></el-table-column>
+          <el-table-column label="支付状态" width="110"><template #default="{ row }"><el-tag :type="tagType(row.status)">{{ statusLabel[row.status] || row.status }}</el-tag></template></el-table-column>
+          <el-table-column label="退款" width="100"><template #default="{ row }"><el-tag v-if="row.refund_status && row.refund_status !== 'none'" :type="tagType(row.refund_status)">{{ statusLabel[row.refund_status] || row.refund_status }}</el-tag><span v-else>--</span></template></el-table-column>
+          <el-table-column label="下单时间" min-width="165"><template #default="{ row }">{{ dateTime(row.created_at) }}</template></el-table-column>
+          <el-table-column label="操作" width="165" fixed="right">
+            <template #default="{ row }">
+              <el-button v-if="row.status === 'paid' && ['none','',null].includes(row.refund_status)" link type="danger" @click="refund(row)">退款</el-button>
+              <el-dropdown v-if="row.status === 'pending'" @command="command => closeOrder(row, command)">
+                <el-button link type="warning">状态处理<el-icon><ArrowDown /></el-icon></el-button>
+                <template #dropdown><el-dropdown-menu><el-dropdown-item command="closed">关闭订单</el-dropdown-item><el-dropdown-item command="failed">标记失败</el-dropdown-item></el-dropdown-menu></template>
+              </el-dropdown>
+              <span v-if="row.status !== 'pending' && !(row.status === 'paid' && ['none','',null].includes(row.refund_status))" class="muted">已处理</span>
+            </template>
+          </el-table-column>
+        </el-table>
+        <el-pagination v-model:current-page="orderPage" :page-size="20" :total="orderTotal" layout="total, prev, pager, next" @change="loadOrders" />
+      </el-tab-pane>
+
+      <el-tab-pane label="退款管理" name="refunds">
+        <el-table :data="refunds" v-loading="loading" class="data-table">
+          <el-table-column label="退款单号" min-width="220" prop="refund_no" />
+          <el-table-column label="原订单" min-width="210" prop="order_no" />
+          <el-table-column label="用户" width="150"><template #default="{ row }">{{ row.user_nickname || row.user_phone || '--' }}</template></el-table-column>
+          <el-table-column label="金额" width="100"><template #default="{ row }">¥{{ money(row.amount) }}</template></el-table-column>
+          <el-table-column label="状态" width="110"><template #default="{ row }"><el-tag :type="tagType(row.status)">{{ statusLabel[row.status] || row.status }}</el-tag></template></el-table-column>
+          <el-table-column label="原因" min-width="160" prop="reason" show-overflow-tooltip />
+          <el-table-column label="创建时间" min-width="165"><template #default="{ row }">{{ dateTime(row.created_at) }}</template></el-table-column>
+          <el-table-column label="对账确认" width="155" fixed="right">
+            <template #default="{ row }"><template v-if="['pending','processing'].includes(row.status)"><el-button link type="success" @click="confirmRefund(row, 'succeeded')">已退款</el-button><el-button link type="danger" @click="confirmRefund(row, 'failed')">失败</el-button></template><span v-else class="muted">{{ row.failure_reason || '已完成' }}</span></template>
+          </el-table-column>
+        </el-table>
+      </el-tab-pane>
+
+      <el-tab-pane label="发票管理" name="invoices">
+        <el-table :data="invoices" v-loading="loading" class="data-table">
+          <el-table-column label="订单号" min-width="210" prop="order_no" />
+          <el-table-column label="抬头" min-width="180" prop="title" />
+          <el-table-column label="类型 / 税号" min-width="190"><template #default="{ row }">{{ row.invoice_type === 'company' ? '企业' : '个人' }}<div class="muted">{{ row.tax_number || '--' }}</div></template></el-table-column>
+          <el-table-column label="金额" width="100"><template #default="{ row }">¥{{ money(row.amount) }}</template></el-table-column>
+          <el-table-column label="邮箱" min-width="175" prop="email" />
+          <el-table-column label="状态" width="100"><template #default="{ row }"><el-tag :type="tagType(row.status)">{{ invoiceStatusLabel[row.status] || row.status }}</el-tag></template></el-table-column>
+          <el-table-column label="操作" width="145" fixed="right"><template #default="{ row }"><template v-if="row.status === 'pending'"><el-button link type="primary" @click="openInvoice(row)">开具</el-button><el-button link type="danger" @click="rejectInvoice(row)">驳回</el-button></template><a v-else-if="row.invoice_url" :href="row.invoice_url" target="_blank">查看发票</a><span v-else class="muted">{{ row.invoice_no || row.remark || '已处理' }}</span></template></el-table-column>
+        </el-table>
+      </el-tab-pane>
+    </el-tabs>
+
+    <el-dialog v-model="invoiceDialog" title="登记已开发票" width="480px">
+      <el-form label-width="92px">
+        <el-form-item label="发票号码"><el-input v-model="invoiceForm.invoiceNo" maxlength="120" /></el-form-item>
+        <el-form-item label="发票地址"><el-input v-model="invoiceForm.invoiceUrl" placeholder="电子发票下载地址（选填）" /></el-form-item>
+        <el-form-item label="备注"><el-input v-model="invoiceForm.remark" type="textarea" /></el-form-item>
+      </el-form>
+      <template #footer><el-button @click="invoiceDialog=false">取消</el-button><el-button type="primary" :loading="saving" @click="issueInvoice">确认开具</el-button></template>
+    </el-dialog>
+  </div>
+</template>
+
+<script setup>
+import { onMounted, ref } from 'vue'
+import { ElMessage, ElMessageBox } from 'element-plus'
+import { confirmFinanceRefund, getFinanceInvoices, getFinanceOrders, getFinanceRefunds, getFinanceSummary, requestFinanceRefund, updateFinanceInvoice, updateFinanceOrderStatus } from '@/api'
+
+const activeTab = ref('orders')
+const loading = ref(false)
+const saving = ref(false)
+const summary = ref({ paid_revenue: 0, paid_orders: 0, pending_orders: 0, processing_refunds: 0, pending_invoices: 0 })
+const orders = ref([]), refunds = ref([]), invoices = ref([])
+const orderPage = ref(1), orderTotal = ref(0)
+const filters = ref({ keyword: '', status: '', provider: '' })
+const invoiceDialog = ref(false), currentInvoice = ref(null)
+const invoiceForm = ref({ invoiceNo: '', invoiceUrl: '', remark: '' })
+const orderStatuses = [{ label: '待支付', value: 'pending' }, { label: '已支付', value: 'paid' }, { label: '失败', value: 'failed' }, { label: '已关闭', value: 'closed' }, { label: '已退款', value: 'refunded' }]
+const providerLabel = { huihui: '会会支付', wechat_virtual: '微信虚拟支付' }
+const statusLabel = { pending: '待处理', processing: '处理中', paid: '已支付', succeeded: '已成功', failed: '失败', closed: '已关闭', refunded: '已退款' }
+const invoiceStatusLabel = { pending: '待开具', issued: '已开具', rejected: '已驳回' }
+const money = value => Number(value || 0).toFixed(2)
+const dateTime = value => value ? new Date(value).toLocaleString('zh-CN', { hour12: false }) : '--'
+const tagType = value => ({ paid: 'success', succeeded: 'success', issued: 'success', pending: 'warning', processing: 'warning', failed: 'danger', rejected: 'danger', refunded: 'info', closed: 'info' }[value] || 'info')
+
+async function loadSummary() { const res = await getFinanceSummary(); summary.value = res.data || summary.value }
+async function loadOrders() { const res = await getFinanceOrders({ page: orderPage.value, page_size: 20, ...filters.value }); orders.value = res.data?.items || []; orderTotal.value = res.data?.total || 0 }
+async function loadRefunds() { const res = await getFinanceRefunds({ page: 1, page_size: 100 }); refunds.value = res.data?.items || [] }
+async function loadInvoices() { const res = await getFinanceInvoices({ page: 1, page_size: 100 }); invoices.value = res.data?.items || [] }
+async function loadActive() { loading.value = true; try { if (activeTab.value === 'orders') await loadOrders(); if (activeTab.value === 'refunds') await loadRefunds(); if (activeTab.value === 'invoices') await loadInvoices() } finally { loading.value = false } }
+async function loadAll() { loading.value = true; try { await Promise.all([loadSummary(), loadOrders(), loadRefunds(), loadInvoices()]) } finally { loading.value = false } }
+
+async function refund(row) {
+  try { const { value } = await ElMessageBox.prompt('退款成功后会扣回本订单发放的全部积分。', `退款 ¥${money(row.price)}`, { inputPlaceholder: '请输入退款原因', inputValidator: value => value?.trim() ? true : '退款原因不能为空', confirmButtonText: '提交退款', cancelButtonText: '取消' }); await requestFinanceRefund(row.order_no, { reason: value, operator: '后台管理员' }); ElMessage.success('退款已提交渠道处理'); await loadAll() } catch (error) { if (error !== 'cancel' && error !== 'close') console.error(error) }
+}
+async function closeOrder(row, status) { try { await ElMessageBox.confirm(`确认将订单标记为“${status === 'closed' ? '已关闭' : '失败'}”？`, '订单状态处理', { type: 'warning' }); await updateFinanceOrderStatus(row.order_no, { status, reason: '后台管理员处理' }); ElMessage.success('订单状态已更新'); await loadAll() } catch {} }
+async function confirmRefund(row, status) { try { const message = status === 'succeeded' ? '仅在支付渠道后台已确认退款到账时操作。' : '确认供应商退款失败？'; await ElMessageBox.confirm(message, '退款对账确认', { type: 'warning' }); await confirmFinanceRefund(row.refund_no, { status, failureReason: status === 'failed' ? '供应商退款失败' : '' }); ElMessage.success('退款结果已登记'); await loadAll() } catch {} }
+function openInvoice(row) { currentInvoice.value = row; invoiceForm.value = { invoiceNo: '', invoiceUrl: '', remark: '' }; invoiceDialog.value = true }
+async function issueInvoice() { if (!invoiceForm.value.invoiceNo.trim()) return ElMessage.warning('请填写发票号码'); saving.value = true; try { await updateFinanceInvoice(currentInvoice.value.id, { status: 'issued', ...invoiceForm.value }); ElMessage.success('发票已登记'); invoiceDialog.value = false; await loadAll() } finally { saving.value = false } }
+async function rejectInvoice(row) { try { const { value } = await ElMessageBox.prompt('请输入驳回原因', '驳回发票申请', { inputValidator: value => value?.trim() ? true : '驳回原因不能为空' }); await updateFinanceInvoice(row.id, { status: 'rejected', remark: value }); ElMessage.success('发票申请已驳回'); await loadAll() } catch {} }
+onMounted(loadAll)
+</script>
+
+<style scoped>
+.finance-page { overflow-y: auto; }
+.subtitle, .muted, small { color: var(--color-text-muted); font-size: 12px; margin-top: 5px; }
+.summary-grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:16px; margin-bottom:20px; }
+.stat-value { margin:8px 0 4px; }.stat-value.warning{color:var(--color-accent-orange)}.stat-value.danger{color:var(--color-accent-red)}.stat-value.success{color:var(--color-accent-green)}
+.finance-tabs { background:#fff; border:1px solid var(--color-border); border-radius:12px; padding:8px 16px 16px; box-shadow:var(--shadow-sm); }
+.filter-bar { display:flex; gap:10px; margin:8px 0 16px; }.el-pagination{justify-content:flex-end;margin-top:16px}
+a { color:var(--color-accent); text-decoration:none; }
+@media (max-width: 1100px) { .summary-grid{grid-template-columns:repeat(2,1fr)} }
+</style>

uniapp-avatar/README.md

@@ -61,7 +61,7 @@ H5 引入 uniapp web-view bridge 后调用：
 壳通过 `web-view.evalJS` 调用 H5 全局函数 `window.__uniBridgeHandle__(message)`：
 | type | payload | 含义 |
 |------|---------|------|
-| `context` | `platform, version` | 注入运行环境信息 |
+| `context` | `surface, version` | 注入运行环境；`surface` 为 `app` / `mp-weixin` / `h5` |
 | `tokenRefresh` | `token` | 登录刷新后下发新 token |
 | `userUpdate` | `user` | 会会资料变更 |
 | `paymentResult` | `orderId,status` | 原生支付结束通知；`status` 为 `success/cancelled/failed` |
@@ -70,6 +70,8 @@ H5 引入 uniapp web-view bridge 后调用：
 
 壳收到 `payment` 后应调用会会 App 已有的微信/支付宝支付能力（或 `uni.requestPayment`），把 `payMessage/paymentParams` 原样交给对应渠道。原生 SDK 返回后再发送 `paymentResult`；H5 不以原生返回作为到账依据，只会轮询本地订单，最终由会会服务端支付回调确认并增加积分。
 
+微信小程序虚拟支付本期只交付后端能力（登录态交换、签名下单参数、服务端查单/退款和回调验收）。小程序原生充值页接入 `requestVirtualPayment` 后，应把后端返回的 `signData/paySig/signature/mode/env/offerId` 原样传入微信 API；不要在 web-view 中发起虚拟支付。
+
 ---
 
 ## 3. 项目结构（uni CLI / src 布局，已验证可编译）
@@ -84,13 +86,13 @@ uniapp-avatar/
     ├── manifest.json       # 应用配置（名称/AppID/模块）
     ├── pages.json          # 页面路由
     ├── uni.scss            # 全局样式变量
-    ├── App.vue             # 启动即做会会登录（onLaunch → userStore.init）
+    ├── App.vue             # 启动时恢复会会登录态（onLaunch → userStore.init）
     ├── main.js             # createSSRApp + pinia
     ├── pages/index/index.vue  # web-view 容器（内嵌 digital-avatar-app H5）
-    ├── store/user.js       # 会会会话（token/资料，本地缓存）
+    ├── store/user.js       # 会会会话（宿主调用 applySession 注入并缓存）
     └── utils/
         ├── bridge.js       # H5 URL 构造 + 原生→H5 推送
-        └── huihui.js       # 会会登录（MOCK，留真实接入位）
+        └── payment.js      # App 微信/支付宝原生支付适配
 ```
 > 构建产物：`npm run build:h5` → `dist/build/h5/`（含 index.html + assets）。
 
@@ -114,10 +116,9 @@ npm run build:h5       # 生产构建 → dist/build/h5/
 > 若 npm 依赖版本与本地 HBuilderX 不一致，执行 `npx @dcloudio/uvm` 对齐。
 
 ### 会会登录接入
-- 当前 `utils/huihui.js` 为 **MOCK**（`MOCK_AUTH = true`），便于联调。
-- 生产接入：把 `MOCK_AUTH` 改为 `false`，在 `loginHuihui()` 接入会会开放平台授权，
-  换取 `access_token`、`userId`；`getUserInfo()` 请求会会 `usercenter` 真实资料接口
-  （接口基址见 `docs/production-interface-inventory.md`）。
+- 壳只恢复会会宿主已经持有的登录态，不内置演示账号，也不会伪造会会 token。
+- 会会主 App 完成登录或刷新后调用 `userStore.applySession({ token, userId, nickname, avatarUrl })`；数字分身 H5 会把一次性会会 token 换成本系统会话并立即从地址中清除。
+- 独立打开且没有宿主会话时，H5 会进入已有的短信登录流程。
 
 ---
 

uniapp-avatar/package.json

@@ -0,0 +1,28 @@
+{
+  "name": "uniapp-avatar",
+  "version": "1.1.0",
+  "private": true,
+  "type": "module",
+  "scripts": {
+    "dev:h5": "uni -p h5",
+    "build:h5": "uni build -p h5",
+    "dev:mp-weixin": "uni -p mp-weixin",
+    "build:mp-weixin": "uni build -p mp-weixin",
+    "dev:app": "uni -p app",
+    "build:app": "uni build -p app"
+  },
+  "dependencies": {
+    "@dcloudio/uni-app": "3.0.0-4010520240507001",
+    "@dcloudio/uni-app-plus": "3.0.0-4010520240507001",
+    "@dcloudio/uni-components": "3.0.0-4010520240507001",
+    "@dcloudio/uni-h5": "3.0.0-4010520240507001",
+    "@dcloudio/uni-mp-weixin": "3.0.0-4010520240507001",
+    "pinia": "^2.0.36",
+    "vue": "^3.4.21"
+  },
+  "devDependencies": {
+    "@dcloudio/uni-cli-shared": "3.0.0-4010520240507001",
+    "@dcloudio/vite-plugin-uni": "3.0.0-4010520240507001",
+    "vite": "^5.2.0"
+  }
+}

uniapp-avatar/src/App.vue

@@ -0,0 +1,10 @@
+<script setup>
+import { onLaunch } from '@dcloudio/uni-app'
+import { useUserStore } from '@/store/user'
+
+onLaunch(() => useUserStore().init())
+</script>
+
+<style>
+page { background:#f5f6f8; }
+</style>

uniapp-avatar/src/main.js

@@ -0,0 +1,9 @@
+import { createSSRApp } from 'vue'
+import { createPinia } from 'pinia'
+import App from './App.vue'
+
+export function createApp() {
+  const app = createSSRApp(App)
+  app.use(createPinia())
+  return { app }
+}

uniapp-avatar/src/manifest.json

@@ -0,0 +1,21 @@
+{
+  "name": "会会数字分身",
+  "appid": "",
+  "description": "会会数字分身 uni-app 混合壳",
+  "versionName": "1.1.0",
+  "versionCode": "110",
+  "transformPx": false,
+  "app-plus": {
+    "usingComponents": true,
+    "compilerVersion": 3,
+    "modules": { "Payment": {} },
+    "distribute": {
+      "android": { "permissions": ["<uses-permission android:name=\"android.permission.INTERNET\"/>"] },
+      "ios": {},
+      "sdkConfigs": {}
+    }
+  },
+  "mp-weixin": { "appid": "", "setting": { "urlCheck": true }, "usingComponents": true },
+  "h5": { "publicPath": "./", "router": { "base": "./" } },
+  "vueVersion": "3"
+}

uniapp-avatar/src/pages.json

@@ -0,0 +1,16 @@
+{
+  "pages": [{
+    "path": "pages/index/index",
+    "style": {
+      "navigationBarTitleText": "会会数字分身",
+      "navigationBarBackgroundColor": "#0F2B4C",
+      "navigationBarTextStyle": "white"
+    }
+  }],
+  "globalStyle": {
+    "navigationBarTextStyle": "white",
+    "navigationBarTitleText": "会会数字分身",
+    "navigationBarBackgroundColor": "#0F2B4C",
+    "backgroundColor": "#F5F6F8"
+  }
+}

uniapp-avatar/src/pages/index/index.vue

@@ -0,0 +1,55 @@
+<template>
+  <view class="shell">
+    <web-view ref="webview" :src="h5Url" @message="onH5Message" />
+  </view>
+</template>
+
+<script setup>
+import { computed, ref } from 'vue'
+import { useUserStore } from '@/store/user'
+import { buildH5Url, parseH5Message, postToH5 } from '@/utils/bridge'
+import { requestAppPayment } from '@/utils/payment'
+
+const userStore = useUserStore()
+const webview = ref(null)
+const H5_BASE_URL = import.meta.env.VITE_AVATAR_H5_URL || 'https://digital.99hui.com/'
+const h5Url = computed(() => buildH5Url(H5_BASE_URL, userStore.$state))
+
+function runtimeSurface() {
+  let value = 'h5'
+  // #ifdef APP-PLUS
+  value = 'app'
+  // #endif
+  // #ifdef MP-WEIXIN
+  value = 'mp-weixin'
+  // #endif
+  return value
+}
+
+async function handlePayment(payment) {
+  try {
+    await requestAppPayment(payment)
+    postToH5(webview.value, { type: 'paymentResult', orderId: payment.orderId, status: 'success' })
+  } catch (error) {
+    const message = error?.message || '支付未完成'
+    const status = /cancel/i.test(message) || /取消/.test(message) ? 'cancelled' : 'failed'
+    postToH5(webview.value, { type: 'paymentResult', orderId: payment.orderId, status, message })
+  }
+}
+
+function onH5Message(event) {
+  const message = parseH5Message(event)
+  if (!message?.type) return
+  if (message.type === 'ready') {
+    postToH5(webview.value, { type: 'context', surface: runtimeSurface(), version: '1.1.0' })
+  } else if (message.type === 'payment') {
+    void handlePayment(message.payment)
+  } else if (message.type === 'setTitle' && message.title) {
+    uni.setNavigationBarTitle({ title: message.title })
+  } else if (message.type === 'back') {
+    uni.navigateBack({ delta: 1 })
+  }
+}
+</script>
+
+<style>.shell{width:100%;height:100vh}</style>

uniapp-avatar/src/store/user.js

@@ -0,0 +1,24 @@
+import { defineStore } from 'pinia'
+
+export const useUserStore = defineStore('user', {
+  state: () => ({ token: '', userId: '', nickname: '', avatarUrl: '', initialized: false }),
+  getters: { isLogin: state => Boolean(state.token) },
+  actions: {
+    init() {
+      this.$patch({
+        token: uni.getStorageSync('hh_token') || '',
+        userId: uni.getStorageSync('hh_userId') || '',
+        nickname: uni.getStorageSync('hh_nickname') || '',
+        avatarUrl: uni.getStorageSync('hh_avatarUrl') || '',
+        initialized: true
+      })
+    },
+    applySession(session) {
+      this.$patch(session)
+      uni.setStorageSync('hh_token', this.token)
+      uni.setStorageSync('hh_userId', this.userId)
+      uni.setStorageSync('hh_nickname', this.nickname)
+      uni.setStorageSync('hh_avatarUrl', this.avatarUrl)
+    }
+  }
+})

uniapp-avatar/src/uni.scss

@@ -0,0 +1,3 @@
+$brand-navy: #0f2b4c;
+$brand-orange: #f97316;
+$bg-page: #f5f6f8;

uniapp-avatar/src/utils/bridge.js

@@ -0,0 +1,33 @@
+export function buildH5Url(base, session) {
+  const url = new URL(base)
+  if (session.token) url.searchParams.set('token', session.token)
+  if (session.userId) url.searchParams.set('userId', session.userId)
+  if (session.nickname) url.searchParams.set('nickname', session.nickname)
+  if (session.avatarUrl) url.searchParams.set('avatar', session.avatarUrl)
+  url.searchParams.set('ts', String(Date.now()))
+  return url.toString()
+}
+
+export function postToH5(webviewRef, message) {
+  if (!webviewRef) return false
+  const js = `window.__uniBridgeHandle__&&window.__uniBridgeHandle__(${JSON.stringify(message)})`
+  try {
+    if (typeof webviewRef.evalJS === 'function') {
+      webviewRef.evalJS(js)
+      return true
+    }
+    // #ifdef APP-PLUS
+    const child = plus.webview.currentWebview().children()[0]
+    if (child) { child.evalJS(js); return true }
+    // #endif
+  } catch (error) {
+    console.error('[bridge] postToH5 failed', error)
+  }
+  return false
+}
+
+export function parseH5Message(event) {
+  const items = event?.detail?.data
+  if (Array.isArray(items) && items.length) return items[items.length - 1]
+  return event?.detail || null
+}

uniapp-avatar/src/utils/payment.js

@@ -0,0 +1,22 @@
+function parseOrderInfo(payment) {
+  if (payment.paymentParams && typeof payment.paymentParams === 'object') return payment.paymentParams
+  if (typeof payment.payMessage !== 'string') return payment.payMessage
+  try { return JSON.parse(payment.payMessage) } catch { return payment.payMessage }
+}
+
+export function requestAppPayment(payment) {
+  if (!payment || payment.payWay !== 'APP') {
+    return Promise.reject(new Error('当前订单不是 App 支付订单'))
+  }
+  const provider = payment.paymentMethod === 'alipay' ? 'alipay' : 'wxpay'
+  const orderInfo = parseOrderInfo(payment)
+  if (!orderInfo) return Promise.reject(new Error('支付参数为空'))
+  return new Promise((resolve, reject) => {
+    uni.requestPayment({
+      provider,
+      orderInfo,
+      success: resolve,
+      fail: error => reject(new Error(error?.errMsg || '支付未完成'))
+    })
+  })
+}

uniapp-avatar/vite.config.js

@@ -0,0 +1,5 @@
+import { defineConfig } from 'vite'
+import uni from '@dcloudio/vite-plugin-uni'
+
+const uniPlugin = typeof uni === 'function' ? uni : uni.default
+export default defineConfig({ plugins: [uniPlugin()] })