feat(M08-B): 接入保洁微信转账适配器

backend/src/payments/wechat-pay-client.ts

@@ -10,6 +10,9 @@ export interface WechatPayCredential {
   apiV3Key: string;
   platformCertificates: Record<string, string>;
   profitShareReceivers?: Record<string, string>;
+  transferSceneId?: string;
+  transferSceneReportInfos?: Array<{ infoType: string; infoContent: string }>;
+  transferNotifyUrl?: string;
 }
 
 export interface WechatPayTransport {
@@ -173,6 +176,40 @@ export class WechatPayClient {
     });
   }
 
+  async createMerchantTransfer(
+    credential: WechatPayCredential,
+    input: {
+      outBillNo: string;
+      openid: string;
+      amountCents: number;
+      remark: string;
+      sceneId: string;
+      notifyUrl?: string;
+      reportInfos: Array<{ infoType: string; infoContent: string }>;
+    }
+  ) {
+    const result = await this.apiRequest(credential, 'POST', '/v3/fund-app/mch-transfer/transfer-bills', {
+      appid: credential.appId,
+      out_bill_no: input.outBillNo,
+      transfer_scene_id: input.sceneId,
+      openid: input.openid,
+      transfer_amount: input.amountCents,
+      transfer_remark: input.remark.slice(0, 32),
+      notify_url: input.notifyUrl,
+      transfer_scene_report_infos: input.reportInfos.length > 0 ? input.reportInfos.map((item) => ({
+        info_type: item.infoType.slice(0, 15),
+        info_content: item.infoContent.slice(0, 32)
+      })) : undefined
+    });
+    return {
+      outBillNo: stringField(result, 'out_bill_no'),
+      transferBillNo: optionalStringField(result, 'transfer_bill_no'),
+      state: stringField(result, 'state'),
+      failReason: optionalStringField(result, 'fail_reason'),
+      packageInfo: optionalStringField(result, 'package_info')
+    };
+  }
+
   verifyAndDecrypt(
     credential: WechatPayCredential,
     headers: WechatNotificationHeaders,
@@ -279,7 +316,10 @@ export function parseWechatPayCredentials(value: string) {
               }
               return [reference, account];
             })
-        ) : {}
+        ) : {},
+      transferSceneId: optionalStringField(item, 'transferSceneId'),
+      transferSceneReportInfos: parseTransferReportInfos(item.transferSceneReportInfos),
+      transferNotifyUrl: optionalStringField(item, 'transferNotifyUrl')
     });
   }
   return credentials;
@@ -327,3 +367,17 @@ function optionalStringField(value: Record<string, unknown>, key: string) {
   const field = value[key];
   return typeof field === 'string' ? field : '';
 }
+
+function parseTransferReportInfos(value: unknown) {
+  if (!Array.isArray(value)) return undefined;
+  return value.map((item) => {
+    if (!item || typeof item !== 'object' || Array.isArray(item)) {
+      throw new WechatPayError('WECHAT_TRANSFER_REPORT_INVALID');
+    }
+    const raw = item as Record<string, unknown>;
+    return {
+      infoType: stringField(raw, 'infoType'),
+      infoContent: stringField(raw, 'infoContent')
+    };
+  });
+}