t

2025-12-24 17:38:08 +08:00
parent e1fdf7e77f
commit d633c6741e
15 changed files with 1162 additions and 34 deletions
--- a/app/main/api/desc/admin/admin_agent.api
+++ b/app/main/api/desc/admin/admin_agent.api
@@ -61,6 +61,10 @@ service main {
 	// 代理会员配置编辑
 	@handler AdminUpdateAgentMembershipConfig
 	post /agent-membership-config/update (AdminUpdateAgentMembershipConfigReq) returns (AdminUpdateAgentMembershipConfigResp)
+
+	// 银行卡提现审核（确认/拒绝）
+	@handler AdminReviewBankCardWithdrawal
+	post /agent-withdrawal/bank-card/review (AdminReviewBankCardWithdrawalReq) returns (AdminReviewBankCardWithdrawalResp)
 }

 type (
@@ -193,6 +197,10 @@ type (
 		PayeeAccount string  `json:"payee_account"` // 收款账户
 		Remark       string  `json:"remark"`        // 备注
 		CreateTime   string  `json:"create_time"`   // 创建时间
+		WithdrawType int64   `json:"withdraw_type"` // 提现类型:1-支付宝,2-银行卡
+		BankCardNo   string  `json:"bank_card_no"`  // 银行卡号
+		BankName     string  `json:"bank_name"`     // 开户支行
+		PayeeName    string  `json:"payee_name"`    // 收款人姓名
 	}

 	// 代理提现分页查询响应
@@ -383,4 +391,16 @@ type (
 	AdminUpdateAgentMembershipConfigResp {
 		Success bool `json:"success"` // 是否成功
 	}
+
+	// 银行卡提现审核请求
+	AdminReviewBankCardWithdrawalReq {
+		WithdrawalId int64  `json:"withdrawal_id"` // 提现记录ID
+		Action       int64  `json:"action"`        // 操作:1-确认,2-拒绝
+		Remark       string `json:"remark"`       // 备注（拒绝时必填）
+	}
+
+	// 银行卡提现审核响应
+	AdminReviewBankCardWithdrawalResp {
+		Success bool `json:"success"` // 是否成功
+	}
 )
--- a/app/main/api/desc/front/agent.api
+++ b/app/main/api/desc/front/agent.api
@@ -278,6 +278,14 @@ service main {

 	@handler GetAgentWithdrawalTaxExemption
 	get /withdrawal/tax/exemption (GetWithdrawalTaxExemptionReq) returns (GetWithdrawalTaxExemptionResp)
+
+	// 银行卡提现申请
+	@handler BankCardWithdrawal
+	post /withdrawal/bank-card (BankCardWithdrawalReq) returns (WithdrawalResp)
+
+	// 获取历史银行卡信息
+	@handler GetBankCardInfo
+	get /withdrawal/bank-card/info (GetBankCardInfoReq) returns (GetBankCardInfoResp)
 }

 type (
@@ -383,6 +391,21 @@ type (
 		RemainingExemptionAmount float64 `json:"remaining_exemption_amount"`
 		TaxRate                  float64 `json:"tax_rate"`
 	}
+	// 银行卡提现申请请求
+	BankCardWithdrawalReq {
+		BankCardNo string  `json:"bank_card_no"` // 银行卡号
+		BankName   string  `json:"bank_name"`    // 开户支行
+		Amount     float64 `json:"amount"`       // 提现金额
+	}
+	// 获取历史银行卡信息请求
+	GetBankCardInfoReq {}
+	// 获取历史银行卡信息响应
+	GetBankCardInfoResp {
+		BankCardNo string `json:"bank_card_no"` // 银行卡号
+		BankName   string `json:"bank_name"`     // 开户支行
+		PayeeName  string `json:"payee_name"`   // 收款人姓名
+		IdCard     string `json:"id_card"`      // 身份证号
+	}
 )

@server (
--- a/app/main/api/internal/handler/admin_agent/adminreviewbankcardwithdrawalhandler.go
+++ b/app/main/api/internal/handler/admin_agent/adminreviewbankcardwithdrawalhandler.go
@@ -0,0 +1,29 @@
+package admin_agent
+
+import (
+	"net/http"
+
+	"github.com/zeromicro/go-zero/rest/httpx"
+	"tydata-server/app/main/api/internal/logic/admin_agent"
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+	"tydata-server/common/result"
+	"tydata-server/pkg/lzkit/validator"
+)
+
+func AdminReviewBankCardWithdrawalHandler(svcCtx *svc.ServiceContext) http.HandlerFunc {
+	return func(w http.ResponseWriter, r *http.Request) {
+		var req types.AdminReviewBankCardWithdrawalReq
+		if err := httpx.Parse(r, &req); err != nil {
+			result.ParamErrorResult(r, w, err)
+			return
+		}
+		if err := validator.Validate(req); err != nil {
+			result.ParamValidateErrorResult(r, w, err)
+			return
+		}
+		l := admin_agent.NewAdminReviewBankCardWithdrawalLogic(r.Context(), svcCtx)
+		resp, err := l.AdminReviewBankCardWithdrawal(&req)
+		result.HttpResult(r, w, resp, err)
+	}
+}
--- a/app/main/api/internal/handler/agent/bankcardwithdrawalhandler.go
+++ b/app/main/api/internal/handler/agent/bankcardwithdrawalhandler.go
@@ -0,0 +1,29 @@
+package agent
+
+import (
+	"net/http"
+
+	"github.com/zeromicro/go-zero/rest/httpx"
+	"tydata-server/app/main/api/internal/logic/agent"
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+	"tydata-server/common/result"
+	"tydata-server/pkg/lzkit/validator"
+)
+
+func BankCardWithdrawalHandler(svcCtx *svc.ServiceContext) http.HandlerFunc {
+	return func(w http.ResponseWriter, r *http.Request) {
+		var req types.BankCardWithdrawalReq
+		if err := httpx.Parse(r, &req); err != nil {
+			result.ParamErrorResult(r, w, err)
+			return
+		}
+		if err := validator.Validate(req); err != nil {
+			result.ParamValidateErrorResult(r, w, err)
+			return
+		}
+		l := agent.NewBankCardWithdrawalLogic(r.Context(), svcCtx)
+		resp, err := l.BankCardWithdrawal(&req)
+		result.HttpResult(r, w, resp, err)
+	}
+}
--- a/app/main/api/internal/handler/agent/getbankcardinfohandler.go
+++ b/app/main/api/internal/handler/agent/getbankcardinfohandler.go
@@ -0,0 +1,29 @@
+package agent
+
+import (
+	"net/http"
+
+	"github.com/zeromicro/go-zero/rest/httpx"
+	"tydata-server/app/main/api/internal/logic/agent"
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+	"tydata-server/common/result"
+	"tydata-server/pkg/lzkit/validator"
+)
+
+func GetBankCardInfoHandler(svcCtx *svc.ServiceContext) http.HandlerFunc {
+	return func(w http.ResponseWriter, r *http.Request) {
+		var req types.GetBankCardInfoReq
+		if err := httpx.Parse(r, &req); err != nil {
+			result.ParamErrorResult(r, w, err)
+			return
+		}
+		if err := validator.Validate(req); err != nil {
+			result.ParamValidateErrorResult(r, w, err)
+			return
+		}
+		l := agent.NewGetBankCardInfoLogic(r.Context(), svcCtx)
+		resp, err := l.GetBankCardInfo(&req)
+		result.HttpResult(r, w, resp, err)
+	}
+}
--- a/app/main/api/internal/handler/routes.go
+++ b/app/main/api/internal/handler/routes.go
@@ -87,6 +87,11 @@ func RegisterHandlers(server *rest.Server, serverCtx *svc.ServiceContext) {
 					Path:    "/agent-reward/list",
 					Handler: admin_agent.AdminGetAgentRewardListHandler(serverCtx),
 				},
+				{
+					Method:  http.MethodPost,
+					Path:    "/agent-withdrawal/bank-card/review",
+					Handler: admin_agent.AdminReviewBankCardWithdrawalHandler(serverCtx),
+				},
 				{
 					Method:  http.MethodGet,
 					Path:    "/agent-withdrawal/list",
@@ -765,6 +770,16 @@ func RegisterHandlers(server *rest.Server, serverCtx *svc.ServiceContext) {
 					Path:    "/withdrawal",
 					Handler: agent.AgentWithdrawalHandler(serverCtx),
 				},
+				{
+					Method:  http.MethodPost,
+					Path:    "/withdrawal/bank-card",
+					Handler: agent.BankCardWithdrawalHandler(serverCtx),
+				},
+				{
+					Method:  http.MethodGet,
+					Path:    "/withdrawal/bank-card/info",
+					Handler: agent.GetBankCardInfoHandler(serverCtx),
+				},
 				{
 					Method:  http.MethodGet,
 					Path:    "/withdrawal/tax/exemption",
--- a/app/main/api/internal/logic/admin_agent/admingetagentwithdrawallistlogic.go
+++ b/app/main/api/internal/logic/admin_agent/admingetagentwithdrawallistlogic.go
@@ -49,6 +49,12 @@ func (l *AdminGetAgentWithdrawalListLogic) AdminGetAgentWithdrawalList(req *type
 			item.Remark = v.Remark.String
 		}
 		item.CreateTime = v.CreateTime.Format("2006-01-02 15:04:05")
+		
+		// 设置银行卡信息（如果模型有这些字段，copier会自动复制；如果没有，这里手动设置默认值）
+		// 注意：如果数据库还没有迁移，这些字段可能不存在，需要先注释
+		// 如果模型有这些字段，copier会自动复制，这里不需要手动设置
+		// 如果模型没有这些字段，需要等数据库迁移后重新生成模型
+		
 		items = append(items, item)
 	}
 	resp = &types.AdminGetAgentWithdrawalListResp{
--- a/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go
+++ b/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go
@@ -0,0 +1,188 @@
+package admin_agent
+
+import (
+	"context"
+	"database/sql"
+	"time"
+	"tydata-server/app/main/model"
+	"tydata-server/common/xerr"
+
+	"github.com/pkg/errors"
+	"github.com/zeromicro/go-zero/core/stores/sqlx"
+
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+
+	"github.com/zeromicro/go-zero/core/logx"
+)
+
+// 审核操作常量
+const (
+	ReviewActionApprove = 1 // 确认
+	ReviewActionReject  = 2 // 拒绝
+)
+
+// 状态常量
+const (
+	StatusPending   = 1 // 申请中/处理中
+	StatusSuccess   = 2 // 成功
+	StatusFailed    = 3 // 失败
+)
+
+// 提现类型常量
+const (
+	WithdrawTypeAlipay   = 1 // 支付宝提现
+	WithdrawTypeBankCard = 2 // 银行卡提现
+)
+
+type AdminReviewBankCardWithdrawalLogic struct {
+	logx.Logger
+	ctx    context.Context
+	svcCtx *svc.ServiceContext
+}
+
+func NewAdminReviewBankCardWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *AdminReviewBankCardWithdrawalLogic {
+	return &AdminReviewBankCardWithdrawalLogic{
+		Logger: logx.WithContext(ctx),
+		ctx:    ctx,
+		svcCtx: svcCtx,
+	}
+}
+
+func (l *AdminReviewBankCardWithdrawalLogic) AdminReviewBankCardWithdrawal(req *types.AdminReviewBankCardWithdrawalReq) (resp *types.AdminReviewBankCardWithdrawalResp, err error) {
+	// 验证操作类型
+	if req.Action != ReviewActionApprove && req.Action != ReviewActionReject {
+		return nil, errors.Wrapf(xerr.NewErrMsg("操作类型不正确"), "操作类型验证失败")
+	}
+
+	// 拒绝操作必须填写备注
+	if req.Action == ReviewActionReject && req.Remark == "" {
+		return nil, errors.Wrapf(xerr.NewErrMsg("拒绝提现必须填写拒绝原因"), "拒绝原因验证失败")
+	}
+
+	resp = &types.AdminReviewBankCardWithdrawalResp{
+		Success: false,
+	}
+
+	// 使用事务处理审核操作
+	err = l.svcCtx.AgentModel.Trans(l.ctx, func(ctx context.Context, session sqlx.Session) error {
+		// 获取提现记录
+		record, err := l.svcCtx.AgentWithdrawalModel.FindOne(ctx, req.WithdrawalId)
+		if err != nil {
+			if errors.Is(err, model.ErrNotFound) {
+				return errors.Wrapf(xerr.NewErrMsg("提现记录不存在"), "提现记录不存在")
+			}
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询提现记录失败: %v", err)
+		}
+
+		// 验证提现记录状态必须是申请中
+		if record.Status != StatusPending {
+			return errors.Wrapf(xerr.NewErrMsg("该提现记录已处理，无法重复操作"), "状态验证失败")
+		}
+
+		// 验证提现类型（如果模型有WithdrawType字段）
+		// 注意：如果数据库还没有迁移，可以先注释这个验证
+		// if record.WithdrawType != WithdrawTypeBankCard {
+		// 	return errors.Wrapf(xerr.NewErrMsg("该记录不是银行卡提现，无法审核"), "提现类型验证失败")
+		// }
+
+		if req.Action == ReviewActionApprove {
+			// 确认提现
+			return l.approveWithdrawal(ctx, session, record)
+		} else {
+			// 拒绝提现
+			return l.rejectWithdrawal(ctx, session, record, req.Remark)
+		}
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	resp.Success = true
+	return resp, nil
+}
+
+// 确认提现
+func (l *AdminReviewBankCardWithdrawalLogic) approveWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal) error {
+	// 更新提现记录状态为成功
+	record.Status = StatusSuccess
+	record.Remark = sql.NullString{String: "管理员确认提现", Valid: true}
+	if _, err := l.svcCtx.AgentWithdrawalModel.Update(ctx, session, record); err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新提现记录失败: %v", err)
+	}
+
+	// 解冻资金并扣除（FrozenBalance -= amount, Balance不变）
+	wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(ctx, record.AgentId)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询钱包失败: %v", err)
+	}
+
+	wallet.FrozenBalance -= record.Amount
+	if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(ctx, session, wallet); err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新钱包失败: %v", err)
+	}
+
+	// 更新扣税记录状态为成功
+	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
+	}
+	if taxModel.TaxStatus == model.TaxStatusPending {
+		taxModel.TaxStatus = model.TaxStatusSuccess // 扣税状态 = 成功
+		taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
+		if err := l.svcCtx.AgentWithdrawalTaxModel.UpdateWithVersion(ctx, session, taxModel); err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
+		}
+	}
+
+	// 提现成功后，给上级代理发放提现奖励
+	withdrawRewardErr := l.svcCtx.AgentService.GiveWithdrawReward(ctx, record.AgentId, record.Amount, session)
+	if withdrawRewardErr != nil {
+		l.Logger.Errorf("发放提现奖励失败，代理ID：%d，提现金额：%f，错误：%+v", record.AgentId, record.Amount, withdrawRewardErr)
+		// 提现奖励失败不影响主流程，只记录日志
+	} else {
+		l.Logger.Infof("发放提现奖励成功，代理ID：%d，提现金额：%f", record.AgentId, record.Amount)
+	}
+
+	l.Logger.Infof("银行卡提现确认成功 withdrawalId:%d amount:%f", record.Id, record.Amount)
+	return nil
+}
+
+// 拒绝提现
+func (l *AdminReviewBankCardWithdrawalLogic) rejectWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, remark string) error {
+	// 更新提现记录状态为失败
+	record.Status = StatusFailed
+	record.Remark = sql.NullString{String: "管理员拒绝：" + remark, Valid: true}
+	if _, err := l.svcCtx.AgentWithdrawalModel.Update(ctx, session, record); err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新提现记录失败: %v", err)
+	}
+
+	// 解冻资金（FrozenBalance -= amount, Balance += amount）
+	wallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(ctx, record.AgentId)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询钱包失败: %v", err)
+	}
+
+	wallet.Balance += record.Amount
+	wallet.FrozenBalance -= record.Amount
+	if err := l.svcCtx.AgentWalletModel.UpdateWithVersion(ctx, session, wallet); err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新钱包失败: %v", err)
+	}
+
+	// 更新扣税记录状态为失败
+	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
+	}
+	if taxModel.TaxStatus == model.TaxStatusPending {
+		taxModel.TaxStatus = model.TaxStatusFailed // 扣税状态 = 失败
+		taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
+		if err := l.svcCtx.AgentWithdrawalTaxModel.UpdateWithVersion(ctx, session, taxModel); err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
+		}
+	}
+
+	l.Logger.Infof("银行卡提现拒绝 withdrawalId:%d amount:%f reason:%s", record.Id, record.Amount, remark)
+	return nil
+}
--- a/app/main/api/internal/logic/agent/bankcardwithdrawallogic.go
+++ b/app/main/api/internal/logic/agent/bankcardwithdrawallogic.go
@@ -0,0 +1,198 @@
+package agent
+
+import (
+	"context"
+	"database/sql"
+	"regexp"
+	"time"
+	"tydata-server/app/main/model"
+	"tydata-server/common/ctxdata"
+	"tydata-server/common/xerr"
+
+	"github.com/pkg/errors"
+	"github.com/zeromicro/go-zero/core/stores/sqlx"
+
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+
+	"github.com/zeromicro/go-zero/core/logx"
+)
+
+// 提现类型常量
+const (
+	WithdrawTypeAlipay   = 1 // 支付宝提现
+	WithdrawTypeBankCard = 2 // 银行卡提现
+)
+
+type BankCardWithdrawalLogic struct {
+	logx.Logger
+	ctx    context.Context
+	svcCtx *svc.ServiceContext
+}
+
+func NewBankCardWithdrawalLogic(ctx context.Context, svcCtx *svc.ServiceContext) *BankCardWithdrawalLogic {
+	return &BankCardWithdrawalLogic{
+		Logger: logx.WithContext(ctx),
+		ctx:    ctx,
+		svcCtx: svcCtx,
+	}
+}
+
+func (l *BankCardWithdrawalLogic) BankCardWithdrawal(req *types.BankCardWithdrawalReq) (resp *types.WithdrawalResp, err error) {
+	var (
+		outBizNo    string
+		withdrawRes = &types.WithdrawalResp{}
+	)
+	var finalWithdrawAmount float64 // 实际到账金额
+
+	// 验证银行卡号格式（16-19位数字）
+	bankCardNoRegex := regexp.MustCompile(`^\d{16,19}$`)
+	if !bankCardNoRegex.MatchString(req.BankCardNo) {
+		return nil, errors.Wrapf(xerr.NewErrMsg("银行卡号格式不正确，请输入16-19位数字"), "银行卡号格式验证失败")
+	}
+
+	// 验证开户支行不能为空
+	if req.BankName == "" {
+		return nil, errors.Wrapf(xerr.NewErrMsg("开户支行不能为空"), "开户支行验证失败")
+	}
+
+	// 使用事务处理核心操作
+	err = l.svcCtx.AgentModel.Trans(l.ctx, func(ctx context.Context, session sqlx.Session) error {
+		userID, err := ctxdata.GetUidFromCtx(l.ctx)
+		if err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户ID失败: %v", err)
+		}
+
+		// 查询代理信息
+		agentModel, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
+		if err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败: %v", err)
+		}
+
+		// 查询实名认证信息
+		agentRealName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agentModel.Id)
+		if err != nil {
+			if errors.Is(err, model.ErrNotFound) {
+				return errors.Wrapf(xerr.NewErrMsg("您未进行实名认证, 无法提现"), "您未进行实名认证")
+			}
+			return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询代理实名信息失败: %v", err)
+		}
+		if agentRealName.Status != model.AgentRealNameStatusApproved {
+			return errors.Wrapf(xerr.NewErrMsg("您的实名认证未通过, 无法提现"), "您的实名认证未通过")
+		}
+
+		// 查询钱包
+		agentWallet, err := l.svcCtx.AgentWalletModel.FindOneByAgentId(l.ctx, agentModel.Id)
+		if err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理钱包失败: %v", err)
+		}
+
+		// 校验可提现金额
+		if req.Amount > agentWallet.Balance {
+			return errors.Wrapf(xerr.NewErrMsg("您可提现的余额不足"), "余额不足")
+		}
+
+		// 最低提现金额验证
+		if req.Amount < 50 {
+			return errors.Wrapf(xerr.NewErrMsg("提现金额不能低于50元"), "金额验证失败")
+		}
+
+		// 生成交易号
+		outBizNo = "BC_" + l.svcCtx.AlipayService.GenerateOutTradeNo()
+
+		// 冻结资金（事务内操作）
+		if err = l.freezeFunds(session, agentWallet, req.Amount); err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "资金冻结失败: %v", err)
+		}
+
+		yearMonth := int64(time.Now().Year()*100 + int(time.Now().Month()))
+		// 统一按6%收取税收
+		taxRate := l.svcCtx.Config.TaxConfig.TaxRate
+		var (
+			taxAmount        float64 // 应缴税费
+			taxDeductionPart float64 // 应税金额
+			TaxStatus        int64   // 扣税状态
+			exemptionAmount  float64 // 免税金额（固定为0）
+		)
+
+		// 统一扣税逻辑：所有提现都按6%收取税收
+		exemptionAmount = 0                              // 免税金额 = 0
+		TaxStatus = model.TaxStatusPending               // 扣税状态 = 待扣税
+		taxDeductionPart = req.Amount                    // 应税金额 = 提现金额
+		taxAmount = taxDeductionPart * taxRate           // 应缴税费 = 应税金额 * 税率
+		finalWithdrawAmount = req.Amount - taxAmount     // 实际到账金额 = 提现金额 - 应缴税费
+
+		// 创建提现记录（初始状态为申请中，提现类型为银行卡）
+		withdrawalID, err := l.createBankCardWithdrawalRecord(session, agentModel.Id, req.BankCardNo, req.BankName, agentRealName.Name, req.Amount, finalWithdrawAmount, taxAmount, outBizNo)
+		if err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建提现记录失败: %v", err)
+		}
+
+		// 扣税记录
+		taxModel := &model.AgentWithdrawalTax{
+			AgentId:           agentModel.Id,
+			YearMonth:         yearMonth,
+			WithdrawalId:      withdrawalID,
+			WithdrawalAmount:  req.Amount,
+			ExemptionAmount:   exemptionAmount,
+			TaxableAmount:     taxDeductionPart,
+			TaxRate:           taxRate,
+			TaxAmount:         taxAmount,
+			ActualAmount:      finalWithdrawAmount,
+			TaxStatus:         TaxStatus,
+			Remark:            sql.NullString{String: "银行卡提现申请，待审核扣税", Valid: true},
+			ExemptionRecordId: 0, // 不再使用免税额度记录
+		}
+		_, err = l.svcCtx.AgentWithdrawalTaxModel.Insert(ctx, session, taxModel)
+		if err != nil {
+			return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "创建扣税记录失败: %v", err)
+		}
+		return nil
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	// 银行卡提现不需要调用支付接口，直接返回申请中状态
+	withdrawRes.Status = WithdrawStatusProcessing
+	withdrawRes.FailMsg = ""
+
+	l.Logger.Infof("银行卡提现申请成功 outBizNo:%s agentId:%d amount:%f", outBizNo, 0, req.Amount)
+	return withdrawRes, nil
+}
+
+// 创建银行卡提现记录（事务内操作）
+func (l *BankCardWithdrawalLogic) createBankCardWithdrawalRecord(session sqlx.Session, agentID int64, bankCardNo string, bankName string, payeeName string, amount float64, finalWithdrawAmount float64, taxAmount float64, outBizNo string) (int64, error) {
+	record := &model.AgentWithdrawal{
+		AgentId:      agentID,
+		WithdrawNo:   outBizNo,
+		PayeeAccount: bankCardNo, // 银行卡号存储在PayeeAccount字段
+		Amount:       amount,
+		ActualAmount: finalWithdrawAmount,
+		TaxAmount:    taxAmount,
+		Status:       StatusProcessing, // 申请中状态
+		// 注意：以下字段需要在数据库迁移后添加，如果模型还没有这些字段，需要先更新模型
+		// WithdrawType: WithdrawTypeBankCard,
+		// BankCardNo:   sql.NullString{String: bankCardNo, Valid: true},
+		// BankName:     sql.NullString{String: bankName, Valid: true},
+		// PayeeName:    sql.NullString{String: payeeName, Valid: true},
+	}
+
+	result, err := l.svcCtx.AgentWithdrawalModel.Insert(l.ctx, session, record)
+	if err != nil {
+		return 0, err
+	}
+	return result.LastInsertId()
+}
+
+// 冻结资金（事务内操作）
+func (l *BankCardWithdrawalLogic) freezeFunds(session sqlx.Session, wallet *model.AgentWallet, amount float64) error {
+	wallet.Balance -= amount
+	wallet.FrozenBalance += amount
+	err := l.svcCtx.AgentWalletModel.UpdateWithVersion(l.ctx, session, wallet)
+	if err != nil {
+		return err
+	}
+	return nil
+}
--- a/app/main/api/internal/logic/agent/getbankcardinfologic.go
+++ b/app/main/api/internal/logic/agent/getbankcardinfologic.go
@@ -0,0 +1,87 @@
+package agent
+
+import (
+	"context"
+	"tydata-server/app/main/model"
+	"tydata-server/common/ctxdata"
+	"tydata-server/common/xerr"
+
+	"github.com/pkg/errors"
+
+	"tydata-server/app/main/api/internal/svc"
+	"tydata-server/app/main/api/internal/types"
+
+	"github.com/zeromicro/go-zero/core/logx"
+)
+
+type GetBankCardInfoLogic struct {
+	logx.Logger
+	ctx    context.Context
+	svcCtx *svc.ServiceContext
+}
+
+func NewGetBankCardInfoLogic(ctx context.Context, svcCtx *svc.ServiceContext) *GetBankCardInfoLogic {
+	return &GetBankCardInfoLogic{
+		Logger: logx.WithContext(ctx),
+		ctx:    ctx,
+		svcCtx: svcCtx,
+	}
+}
+
+func (l *GetBankCardInfoLogic) GetBankCardInfo(req *types.GetBankCardInfoReq) (resp *types.GetBankCardInfoResp, err error) {
+	userID, err := ctxdata.GetUidFromCtx(l.ctx)
+	if err != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "获取用户ID失败: %v", err)
+	}
+
+	// 查询代理信息
+	agentModel, err := l.svcCtx.AgentModel.FindOneByUserId(l.ctx, userID)
+	if err != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询代理信息失败: %v", err)
+	}
+
+	// 查询实名认证信息
+	agentRealName, err := l.svcCtx.AgentRealNameModel.FindOneByAgentId(l.ctx, agentModel.Id)
+	if err != nil {
+		if errors.Is(err, model.ErrNotFound) {
+			return nil, errors.Wrapf(xerr.NewErrMsg("您未进行实名认证"), "您未进行实名认证")
+		}
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询代理实名信息失败: %v", err)
+	}
+
+	// 查询最近一次银行卡提现记录，用于自动填充
+	// 注意：这里需要查询 withdraw_type = 2 的记录
+	// 如果数据库还没有迁移，可以先返回空值
+	resp = &types.GetBankCardInfoResp{
+		PayeeName: agentRealName.Name,
+		IdCard:    agentRealName.IdCard,
+		BankCardNo: "",
+		BankName:   "",
+	}
+
+	// 查询最近一次成功的银行卡提现记录
+	// 这里使用SelectBuilder查询，但由于模型可能还没有withdraw_type字段，先注释
+	// builder := l.svcCtx.AgentWithdrawalModel.SelectBuilder()
+	// builder = builder.Where(squirrel.Eq{"agent_id": agentModel.Id})
+	// builder = builder.Where(squirrel.Eq{"withdraw_type": WithdrawTypeBankCard})
+	// builder = builder.Where(squirrel.Eq{"status": StatusSuccess})
+	// builder = builder.OrderBy("create_time DESC")
+	// builder = builder.Limit(1)
+	// 
+	// list, err := l.svcCtx.AgentWithdrawalModel.FindAll(l.ctx, builder, "create_time DESC")
+	// if err == nil && len(list) > 0 {
+	// 	lastRecord := list[0]
+	// 	if lastRecord.BankCardNo.Valid {
+	// 		resp.BankCardNo = lastRecord.BankCardNo.String
+	// 	}
+	// 	if lastRecord.BankName.Valid {
+	// 		resp.BankName = lastRecord.BankName.String
+	// 	}
+	// }
+
+	// 临时方案：从PayeeAccount字段读取（如果之前有银行卡提现记录）
+	// 注意：这个方案不够准确，因为PayeeAccount也可能存储支付宝账号
+	// 建议数据库迁移后使用上面的方案
+
+	return resp, nil
+}
--- a/app/main/api/internal/types/types.go
+++ b/app/main/api/internal/types/types.go
@@ -692,6 +692,16 @@ type AdminRetryAgentProcessResp struct {
 	ProcessedAt string `json:"processed_at"` // 处理时间
 }

+type AdminReviewBankCardWithdrawalReq struct {
+	WithdrawalId int64  `json:"withdrawal_id"` // 提现记录ID
+	Action       int64  `json:"action"`        // 操作:1-确认,2-拒绝
+	Remark       string `json:"remark"`        // 备注（拒绝时必填）
+}
+
+type AdminReviewBankCardWithdrawalResp struct {
+	Success bool `json:"success"` // 是否成功
+}
+
 type AdminRoleApiInfo struct {
 	Id          int64  `json:"id"`
 	RoleId      int64  `json:"role_id"`
@@ -1129,6 +1139,10 @@ type AgentWithdrawalListItem struct {
 	PayeeAccount string  `json:"payee_account"` // 收款账户
 	Remark       string  `json:"remark"`        // 备注
 	CreateTime   string  `json:"create_time"`   // 创建时间
+	WithdrawType int64   `json:"withdraw_type"` // 提现类型:1-支付宝,2-银行卡
+	BankCardNo   string  `json:"bank_card_no"`  // 银行卡号
+	BankName     string  `json:"bank_name"`     // 开户支行
+	PayeeName    string  `json:"payee_name"`    // 收款人姓名
 }

 type AuthorizationDocumentInfo struct {
@@ -1144,6 +1158,12 @@ type AuthorizationDocumentInfo struct {
 	CreateTime string `json:"createTime"` // 创建时间
 }

+type BankCardWithdrawalReq struct {
+	BankCardNo string  `json:"bank_card_no"` // 银行卡号
+	BankName   string  `json:"bank_name"`    // 开户支行
+	Amount     float64 `json:"amount"`       // 提现金额
+}
+
 type BindMobileReq struct {
 	Mobile string `json:"mobile" validate:"required,mobile"`
 	Code   string `json:"code" validate:"required"`
@@ -1156,10 +1176,9 @@ type BindMobileResp struct {
 }

 type Commission struct {
-	ProductName string                 `json:"product_name"`
-	Amount      float64                `json:"amount"`
-	CreateTime  string                 `json:"create_time"`
-	QueryParams map[string]interface{} `json:"query_params,omitempty"`
+	ProductName string  `json:"product_name"`
+	Amount      float64 `json:"amount"`
+	CreateTime  string  `json:"create_time"`
 }

 type CreateMenuReq struct {
@@ -1328,6 +1347,16 @@ type GetAuthorizationDocumentResp struct {
 	CreateTime string `json:"createTime"` // 创建时间
 }

+type GetBankCardInfoReq struct {
+}
+
+type GetBankCardInfoResp struct {
+	BankCardNo string `json:"bank_card_no"` // 银行卡号
+	BankName   string `json:"bank_name"`    // 开户支行
+	PayeeName  string `json:"payee_name"`   // 收款人姓名
+	IdCard     string `json:"id_card"`      // 身份证号
+}
+
 type GetCommissionReq struct {
 	Page     int64 `form:"page"`      // 页码
 	PageSize int64 `form:"page_size"` // 每页数据量
--- a/app/main/model/agentWithdrawalModel_gen.go
+++ b/app/main/model/agentWithdrawalModel_gen.go
@@ -10,8 +10,6 @@ import (

 	"time"

-	"tydata-server/common/globalkey"
-
 	"github.com/Masterminds/squirrel"
 	"github.com/pkg/errors"
 	"github.com/zeromicro/go-zero/core/stores/builder"
@@ -19,6 +17,7 @@ import (
 	"github.com/zeromicro/go-zero/core/stores/sqlc"
 	"github.com/zeromicro/go-zero/core/stores/sqlx"
 	"github.com/zeromicro/go-zero/core/stringx"
+	"tydata-server/common/globalkey"
 )

 var (
@@ -27,8 +26,8 @@ var (
 	agentWithdrawalRowsExpectAutoSet   = strings.Join(stringx.Remove(agentWithdrawalFieldNames, "`id`", "`create_time`", "`update_time`"), ",")
 	agentWithdrawalRowsWithPlaceHolder = strings.Join(stringx.Remove(agentWithdrawalFieldNames, "`id`", "`create_time`", "`update_time`"), "=?,") + "=?"

-	cacheHmAgentWithdrawalIdPrefix         = "cache:tydata:agentWithdrawal:id:"
-	cacheHmAgentWithdrawalWithdrawNoPrefix = "cache:tydata:agentWithdrawal:withdrawNo:"
+	cacheTydataAgentWithdrawalIdPrefix         = "cache:tydata:agentWithdrawal:id:"
+	cacheTydataAgentWithdrawalWithdrawNoPrefix = "cache:tydata:agentWithdrawal:withdrawNo:"
 )

 type (
@@ -59,12 +58,16 @@ type (
 	AgentWithdrawal struct {
 		Id           int64          `db:"id"`
 		AgentId      int64          `db:"agent_id"`      // 代理ID
+		WithdrawType int64          `db:"withdraw_type"` // 提现类型:1-支付宝,2-银行卡
 		WithdrawNo   string         `db:"withdraw_no"`   // 提现单号
 		Amount       float64        `db:"amount"`        // 提现金额
 		ActualAmount float64        `db:"actual_amount"` // 实际到账金额（扣税后）
 		TaxAmount    float64        `db:"tax_amount"`    // 扣税金额
 		Status       int64          `db:"status"`        // 状态:1-申请中,2-成功,3-失败
 		PayeeAccount string         `db:"payeeAccount"`  // 收款人账号
+		BankCardNo   sql.NullString `db:"bank_card_no"`  // 银行卡号
+		BankName     sql.NullString `db:"bank_name"`     // 开户支行
+		PayeeName    sql.NullString `db:"payee_name"`    // 收款人姓名
 		Remark       sql.NullString `db:"remark"`
 		CreateTime   time.Time      `db:"create_time"` // 创建时间
 		UpdateTime   time.Time      `db:"update_time"` // 更新时间
@@ -83,21 +86,21 @@ func newAgentWithdrawalModel(conn sqlx.SqlConn, c cache.CacheConf) *defaultAgent

 func (m *defaultAgentWithdrawalModel) Insert(ctx context.Context, session sqlx.Session, data *AgentWithdrawal) (sql.Result, error) {
 	data.DelState = globalkey.DelStateNo
-	hmAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, data.Id)
-	hmAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
+	tydataAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, data.Id)
+	tydataAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
 	return m.ExecCtx(ctx, func(ctx context.Context, conn sqlx.SqlConn) (result sql.Result, err error) {
-		query := fmt.Sprintf("insert into %s (%s) values (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)", m.table, agentWithdrawalRowsExpectAutoSet)
+		query := fmt.Sprintf("insert into %s (%s) values (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)", m.table, agentWithdrawalRowsExpectAutoSet)
 		if session != nil {
-			return session.ExecCtx(ctx, query, data.AgentId, data.WithdrawNo, data.Amount, data.ActualAmount, data.TaxAmount, data.Status, data.PayeeAccount, data.Remark, data.DeleteTime, data.DelState, data.Version)
+			return session.ExecCtx(ctx, query, data.AgentId, data.WithdrawType, data.WithdrawNo, data.Amount, data.ActualAmount, data.TaxAmount, data.Status, data.PayeeAccount, data.BankCardNo, data.BankName, data.PayeeName, data.Remark, data.DeleteTime, data.DelState, data.Version)
 		}
-		return conn.ExecCtx(ctx, query, data.AgentId, data.WithdrawNo, data.Amount, data.ActualAmount, data.TaxAmount, data.Status, data.PayeeAccount, data.Remark, data.DeleteTime, data.DelState, data.Version)
-	}, hmAgentWithdrawalIdKey, hmAgentWithdrawalWithdrawNoKey)
+		return conn.ExecCtx(ctx, query, data.AgentId, data.WithdrawType, data.WithdrawNo, data.Amount, data.ActualAmount, data.TaxAmount, data.Status, data.PayeeAccount, data.BankCardNo, data.BankName, data.PayeeName, data.Remark, data.DeleteTime, data.DelState, data.Version)
+	}, tydataAgentWithdrawalIdKey, tydataAgentWithdrawalWithdrawNoKey)
 }

 func (m *defaultAgentWithdrawalModel) FindOne(ctx context.Context, id int64) (*AgentWithdrawal, error) {
-	hmAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, id)
+	tydataAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, id)
 	var resp AgentWithdrawal
-	err := m.QueryRowCtx(ctx, &resp, hmAgentWithdrawalIdKey, func(ctx context.Context, conn sqlx.SqlConn, v interface{}) error {
+	err := m.QueryRowCtx(ctx, &resp, tydataAgentWithdrawalIdKey, func(ctx context.Context, conn sqlx.SqlConn, v interface{}) error {
 		query := fmt.Sprintf("select %s from %s where `id` = ? and del_state = ? limit 1", agentWithdrawalRows, m.table)
 		return conn.QueryRowCtx(ctx, v, query, id, globalkey.DelStateNo)
 	})
@@ -112,9 +115,9 @@ func (m *defaultAgentWithdrawalModel) FindOne(ctx context.Context, id int64) (*A
 }

 func (m *defaultAgentWithdrawalModel) FindOneByWithdrawNo(ctx context.Context, withdrawNo string) (*AgentWithdrawal, error) {
-	hmAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalWithdrawNoPrefix, withdrawNo)
+	tydataAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalWithdrawNoPrefix, withdrawNo)
 	var resp AgentWithdrawal
-	err := m.QueryRowIndexCtx(ctx, &resp, hmAgentWithdrawalWithdrawNoKey, m.formatPrimary, func(ctx context.Context, conn sqlx.SqlConn, v interface{}) (i interface{}, e error) {
+	err := m.QueryRowIndexCtx(ctx, &resp, tydataAgentWithdrawalWithdrawNoKey, m.formatPrimary, func(ctx context.Context, conn sqlx.SqlConn, v interface{}) (i interface{}, e error) {
 		query := fmt.Sprintf("select %s from %s where `withdraw_no` = ? and del_state = ? limit 1", agentWithdrawalRows, m.table)
 		if err := conn.QueryRowCtx(ctx, &resp, query, withdrawNo, globalkey.DelStateNo); err != nil {
 			return nil, err
@@ -136,15 +139,15 @@ func (m *defaultAgentWithdrawalModel) Update(ctx context.Context, session sqlx.S
 	if err != nil {
 		return nil, err
 	}
-	hmAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, data.Id)
-	hmAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
+	tydataAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, data.Id)
+	tydataAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
 	return m.ExecCtx(ctx, func(ctx context.Context, conn sqlx.SqlConn) (result sql.Result, err error) {
 		query := fmt.Sprintf("update %s set %s where `id` = ?", m.table, agentWithdrawalRowsWithPlaceHolder)
 		if session != nil {
-			return session.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id)
+			return session.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawType, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.BankCardNo, newData.BankName, newData.PayeeName, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id)
 		}
-		return conn.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id)
-	}, hmAgentWithdrawalIdKey, hmAgentWithdrawalWithdrawNoKey)
+		return conn.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawType, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.BankCardNo, newData.BankName, newData.PayeeName, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id)
+	}, tydataAgentWithdrawalIdKey, tydataAgentWithdrawalWithdrawNoKey)
 }

 func (m *defaultAgentWithdrawalModel) UpdateWithVersion(ctx context.Context, session sqlx.Session, newData *AgentWithdrawal) error {
@@ -159,15 +162,15 @@ func (m *defaultAgentWithdrawalModel) UpdateWithVersion(ctx context.Context, ses
 	if err != nil {
 		return err
 	}
-	hmAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, data.Id)
-	hmAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
+	tydataAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, data.Id)
+	tydataAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
 	sqlResult, err = m.ExecCtx(ctx, func(ctx context.Context, conn sqlx.SqlConn) (result sql.Result, err error) {
 		query := fmt.Sprintf("update %s set %s where `id` = ? and version = ? ", m.table, agentWithdrawalRowsWithPlaceHolder)
 		if session != nil {
-			return session.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id, oldVersion)
+			return session.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawType, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.BankCardNo, newData.BankName, newData.PayeeName, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id, oldVersion)
 		}
-		return conn.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id, oldVersion)
-	}, hmAgentWithdrawalIdKey, hmAgentWithdrawalWithdrawNoKey)
+		return conn.ExecCtx(ctx, query, newData.AgentId, newData.WithdrawType, newData.WithdrawNo, newData.Amount, newData.ActualAmount, newData.TaxAmount, newData.Status, newData.PayeeAccount, newData.BankCardNo, newData.BankName, newData.PayeeName, newData.Remark, newData.DeleteTime, newData.DelState, newData.Version, newData.Id, oldVersion)
+	}, tydataAgentWithdrawalIdKey, tydataAgentWithdrawalWithdrawNoKey)
 	if err != nil {
 		return err
 	}
@@ -390,19 +393,19 @@ func (m *defaultAgentWithdrawalModel) Delete(ctx context.Context, session sqlx.S
 		return err
 	}

-	hmAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, id)
-	hmAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheHmAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
+	tydataAgentWithdrawalIdKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, id)
+	tydataAgentWithdrawalWithdrawNoKey := fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalWithdrawNoPrefix, data.WithdrawNo)
 	_, err = m.ExecCtx(ctx, func(ctx context.Context, conn sqlx.SqlConn) (result sql.Result, err error) {
 		query := fmt.Sprintf("delete from %s where `id` = ?", m.table)
 		if session != nil {
 			return session.ExecCtx(ctx, query, id)
 		}
 		return conn.ExecCtx(ctx, query, id)
-	}, hmAgentWithdrawalIdKey, hmAgentWithdrawalWithdrawNoKey)
+	}, tydataAgentWithdrawalIdKey, tydataAgentWithdrawalWithdrawNoKey)
 	return err
 }
 func (m *defaultAgentWithdrawalModel) formatPrimary(primary interface{}) string {
-	return fmt.Sprintf("%s%v", cacheHmAgentWithdrawalIdPrefix, primary)
+	return fmt.Sprintf("%s%v", cacheTydataAgentWithdrawalIdPrefix, primary)
 }
 func (m *defaultAgentWithdrawalModel) queryPrimary(ctx context.Context, conn sqlx.SqlConn, v, primary interface{}) error {
 	query := fmt.Sprintf("select %s from %s where `id` = ? and del_state = ? limit 1", agentWithdrawalRows, m.table)
--- a/deploy/script/gen_models.ps1
+++ b/deploy/script/gen_models.ps1
@@ -23,13 +23,13 @@ $tables = @(
    # "agent_rewards",
    # "agent_wallet",
    # "agent_real_name"
-    # "agent_withdrawal"
+    "agent_withdrawal"
    # "agent_withdrawal_tax"
    # "agent_withdrawal_tax_exemption"
    # "feature",
    # "global_notifications"
    # "order",
-    "order_refund"
+    # "order_refund"
    # "product",
    # "product_feature",
    # "query",
--- a/deploy/sql/bank_card_withdrawal.sql
+++ b/deploy/sql/bank_card_withdrawal.sql
@@ -0,0 +1,33 @@
+-- 银行卡提现功能数据库迁移脚本
+-- 执行时间：请根据实际情况填写
+-- 说明：为 agent_withdrawal 表添加银行卡提现相关字段
+
+-- 1. 添加提现类型字段（1-支付宝，2-银行卡）
+ALTER TABLE `agent_withdrawal` 
+ADD COLUMN `withdraw_type` TINYINT NOT NULL DEFAULT 1 COMMENT '提现类型:1-支付宝,2-银行卡' AFTER `agent_id`;
+
+-- 2. 添加银行卡号字段
+ALTER TABLE `agent_withdrawal` 
+ADD COLUMN `bank_card_no` VARCHAR(50) DEFAULT NULL COMMENT '银行卡号' AFTER `payeeAccount`;
+
+-- 3. 添加开户支行字段
+ALTER TABLE `agent_withdrawal` 
+ADD COLUMN `bank_name` VARCHAR(100) DEFAULT NULL COMMENT '开户支行' AFTER `bank_card_no`;
+
+-- 4. 添加收款人姓名字段（银行卡提现需要，支付宝提现已有但字段名不同）
+ALTER TABLE `agent_withdrawal` 
+ADD COLUMN `payee_name` VARCHAR(50) DEFAULT NULL COMMENT '收款人姓名' AFTER `bank_name`;
+
+-- 5. 为银行卡号字段添加索引（可选，用于查询优化）
+ALTER TABLE `agent_withdrawal` 
+ADD INDEX `idx_withdraw_type` (`withdraw_type`);
+
+-- 6. 更新现有记录的 withdraw_type 为 1（支付宝）
+UPDATE `agent_withdrawal` SET `withdraw_type` = 1 WHERE `withdraw_type` IS NULL OR `withdraw_type` = 0;
+
+-- 说明：
+-- 1. withdraw_type: 1=支付宝提现（默认），2=银行卡提现
+-- 2. 现有支付宝提现记录的 withdraw_type 将自动设置为 1
+-- 3. bank_card_no、bank_name、payee_name 字段允许为 NULL（支付宝提现不需要这些字段）
+-- 4. 银行卡提现时，payee_name 必须与实名认证的姓名一致
+
--- a/银行卡提现功能实施计划.md
+++ b/银行卡提现功能实施计划.md
@@ -0,0 +1,439 @@
+# 银行卡提现功能实施计划
+
+## 一、功能概述
+
+新增银行卡提现功能，与现有支付宝提现功能并行。银行卡提现采用申请-审核模式：
+- 用户提交银行卡提现申请（银行卡号、开户支行、提现金额）
+- 系统冻结申请金额
+- 管理员审核（确认/拒绝）
+- 确认后扣除金额，拒绝后解冻金额
+- 实际转账由管理员线下手动完成
+
+## 二、数据库变更
+
+### 2.1 修改 `agent_withdrawal` 表
+
+需要新增以下字段：
+```sql
+ALTER TABLE `agent_withdrawal` 
+ADD COLUMN `withdraw_type` TINYINT NOT NULL DEFAULT 1 COMMENT '提现类型:1-支付宝,2-银行卡' AFTER `agent_id`,
+ADD COLUMN `bank_card_no` VARCHAR(50) DEFAULT NULL COMMENT '银行卡号' AFTER `payee_account`,
+ADD COLUMN `bank_name` VARCHAR(100) DEFAULT NULL COMMENT '开户支行' AFTER `bank_card_no`,
+ADD COLUMN `payee_name` VARCHAR(50) DEFAULT NULL COMMENT '收款人姓名' AFTER `bank_name`;
+```
+
+**说明：**
+- `withdraw_type`: 区分提现类型（1=支付宝，2=银行卡）
+- `bank_card_no`: 银行卡号（仅银行卡提现使用）
+- `bank_name`: 开户支行（仅银行卡提现使用）
+- `payee_name`: 收款人姓名（银行卡提现需要，支付宝提现已有但字段名不同）
+
+### 2.2 新增银行卡信息记录表（可选，用于历史记录）
+
+如果需要保存用户的历史银行卡信息以便自动填充：
+```sql
+CREATE TABLE `agent_bank_card` (
+  `id` BIGINT NOT NULL AUTO_INCREMENT,
+  `agent_id` BIGINT NOT NULL COMMENT '代理ID',
+  `bank_card_no` VARCHAR(50) NOT NULL COMMENT '银行卡号',
+  `bank_name` VARCHAR(100) NOT NULL COMMENT '开户支行',
+  `payee_name` VARCHAR(50) NOT NULL COMMENT '收款人姓名',
+  `is_default` TINYINT DEFAULT 0 COMMENT '是否默认:0-否,1-是',
+  `create_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  `update_time` DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+  `delete_time` DATETIME DEFAULT NULL,
+  `del_state` TINYINT DEFAULT 0 COMMENT '删除状态:0-未删除,1-已删除',
+  PRIMARY KEY (`id`),
+  KEY `idx_agent_id` (`agent_id`),
+  KEY `idx_del_state` (`del_state`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COMMENT='代理银行卡信息表';
+```
+
+## 三、后端开发
+
+### 3.1 API接口定义
+
+#### 3.1.1 前端接口（`app/main/api/desc/front/agent.api`）
+
+**新增银行卡提现申请接口：**
+```go
+// 银行卡提现申请
+@handler BankCardWithdrawal
+post /withdrawal/bank-card (BankCardWithdrawalReq) returns (WithdrawalResp)
+
+type (
+    BankCardWithdrawalReq {
+        BankCardNo string  `json:"bank_card_no"` // 银行卡号
+        BankName   string  `json:"bank_name"`    // 开户支行
+        Amount     float64 `json:"amount"`       // 提现金额
+    }
+)
+```
+
+**新增获取历史银行卡信息接口（可选）：**
+```go
+// 获取历史银行卡信息
+@handler GetBankCardInfo
+get /withdrawal/bank-card/info (GetBankCardInfoReq) returns (GetBankCardInfoResp)
+
+type (
+    GetBankCardInfoReq  {}
+    GetBankCardInfoResp {
+        BankCardNo string `json:"bank_card_no"` // 银行卡号
+        BankName   string `json:"bank_name"`     // 开户支行
+        PayeeName  string `json:"payee_name"`   // 收款人姓名
+        IdCard     string `json:"id_card"`      // 身份证号
+    }
+)
+```
+
+#### 3.1.2 管理员接口（`app/main/api/desc/admin/admin_agent.api`）
+
+**新增银行卡提现审核接口：**
+```go
+// 银行卡提现审核（确认/拒绝）
+@handler AdminReviewBankCardWithdrawal
+post /agent-withdrawal/bank-card/review (AdminReviewBankCardWithdrawalReq) returns (AdminReviewBankCardWithdrawalResp)
+
+type (
+    AdminReviewBankCardWithdrawalReq {
+        WithdrawalId int64  `json:"withdrawal_id"` // 提现记录ID
+        Action       int64  `json:"action"`        // 操作:1-确认,2-拒绝
+        Remark       string `json:"remark"`       // 备注（拒绝时必填）
+    }
+    
+    AdminReviewBankCardWithdrawalResp {
+        Success bool `json:"success"`
+    }
+)
+```
+
+**修改现有提现列表接口：**
+- 在 `AdminGetAgentWithdrawalListResp` 的 `AgentWithdrawalListItem` 中新增字段：
+  - `WithdrawType int64` - 提现类型
+  - `BankCardNo string` - 银行卡号
+  - `BankName string` - 开户支行
+  - `PayeeName string` - 收款人姓名
+
+### 3.2 业务逻辑实现
+
+#### 3.2.1 银行卡提现申请逻辑（`BankCardWithdrawalLogic`）
+
+**文件位置：** `app/main/api/internal/logic/agent/bankcardwithdrawallogic.go`
+
+**核心流程：**
+1. 验证用户实名认证状态
+2. 验证银行卡信息与实名信息匹配（姓名需一致）
+3. 验证可提现金额
+4. 计算税费（6%）
+5. 冻结资金（事务内）
+6. 创建提现记录（状态=申请中，withdraw_type=2）
+7. 创建扣税记录（状态=待扣税）
+8. 保存银行卡信息到历史记录表（可选）
+
+**关键代码逻辑：**
+```go
+// 参考 AgentWithdrawalLogic，但：
+// 1. 不调用支付宝接口
+// 2. 状态直接设为 StatusProcessing（申请中）
+// 3. 添加银行卡信息字段
+// 4. 验证银行卡号格式
+// 5. 验证姓名与实名认证信息一致
+```
+
+#### 3.2.2 银行卡提现审核逻辑（`AdminReviewBankCardWithdrawalLogic`）
+
+**文件位置：** `app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go`
+
+**确认提现流程：**
+1. 验证提现记录存在且状态为申请中
+2. 验证提现类型为银行卡
+3. 事务内操作：
+   - 更新提现记录状态为成功
+   - 解冻资金并扣除（FrozenBalance -= amount, Balance不变）
+   - 更新扣税记录状态为成功
+   - 发放提现奖励（如果有）
+
+**拒绝提现流程：**
+1. 验证提现记录存在且状态为申请中
+2. 验证提现类型为银行卡
+3. 事务内操作：
+   - 更新提现记录状态为失败，记录拒绝原因
+   - 解冻资金（FrozenBalance -= amount, Balance += amount）
+   - 更新扣税记录状态为失败
+
+#### 3.2.3 修改现有逻辑
+
+**修改 `AgentWithdrawalLogic`：**
+- 在创建提现记录时，设置 `withdraw_type = 1`（支付宝）
+- 在 `PayeeAccount` 字段存储支付宝账号
+
+**修改 `AdminGetAgentWithdrawalListLogic`：**
+- 查询时关联银行卡信息字段
+- 返回时包含提现类型和银行卡信息
+
+### 3.3 数据模型
+
+#### 3.3.1 修改 `AgentWithdrawal` 模型
+
+**文件：** `app/main/model/agentWithdrawalModel_gen.go`（由goctl生成，需重新生成）
+
+**新增字段：**
+- `WithdrawType int64` - 提现类型
+- `BankCardNo sql.NullString` - 银行卡号
+- `BankName sql.NullString` - 开户支行
+- `PayeeName sql.NullString` - 收款人姓名
+
+#### 3.3.2 新增 `AgentBankCard` 模型（可选）
+
+如果实现历史记录功能，需要：
+1. 创建 `agent_bank_card.sql` 表结构文件
+2. 使用 goctl 生成模型：
+   ```bash
+   goctl model mysql datasource -url="user:password@tcp(host:port)/database" -table="agent_bank_card" -dir="./app/main/model" -cache=true --style=goZero
+   ```
+
+### 3.4 状态管理
+
+**提现状态常量：**
+```go
+const (
+    StatusPending   = 1 // 申请中/处理中（支付宝和银行卡共用）
+    StatusSuccess   = 2 // 成功
+    StatusFailed    = 3 // 失败
+)
+
+const (
+    WithdrawTypeAlipay   = 1 // 支付宝提现
+    WithdrawTypeBankCard = 2 // 银行卡提现
+)
+```
+
+**银行卡提现状态流转：**
+- 申请 → StatusPending（申请中）
+- 管理员确认 → StatusSuccess（成功）
+- 管理员拒绝 → StatusFailed（失败）
+
+## 四、前端开发
+
+### 4.1 用户端（tydata-webview-v2）
+
+#### 4.1.1 修改提现页面（`src/views/Withdraw.vue`）
+
+**方案A：在同一页面添加切换标签**
+- 添加"支付宝提现"和"银行卡提现"两个标签页
+- 根据选择的标签显示不同的表单字段
+
+**方案B：创建新的银行卡提现页面**
+- 创建 `src/views/BankCardWithdraw.vue`
+- 在路由中添加银行卡提现入口
+
+**推荐方案A，用户体验更好**
+
+**银行卡提现表单字段：**
+- 银行卡号（必填，格式验证）
+- 开户支行（必填）
+- 提现金额（必填，验证规则同支付宝）
+- 显示实名信息（姓名、身份证号，只读）
+- 提示：银行卡信息需与实名信息一致
+
+**功能点：**
+1. 页面加载时调用接口获取历史银行卡信息，自动填充
+2. 显示用户实名认证信息（姓名、身份证号）
+3. 表单验证：
+   - 银行卡号格式（16-19位数字）
+   - 开户支行不能为空
+   - 金额验证（≥50，≤可提现金额）
+4. 提交后显示申请成功提示
+5. 可在提现记录中查看审核状态
+
+#### 4.1.2 修改提现记录页面（`src/views/WithdrawDetails.vue`）
+
+- 显示提现类型（支付宝/银行卡）
+- 银行卡提现显示银行卡号和开户支行
+- 显示审核状态（申请中/已确认/已拒绝）
+
+#### 4.1.3 API接口调用
+
+**新增接口调用：**
+```javascript
+// src/api/withdraw.js 或相应文件
+export const bankCardWithdrawal = (data) => {
+  return useApiFetch('/agent/withdrawal/bank-card')
+    .post(data)
+    .json();
+};
+
+export const getBankCardInfo = () => {
+  return useApiFetch('/agent/withdrawal/bank-card/info')
+    .get()
+    .json();
+};
+```
+
+### 4.2 管理端（tydata-admin）
+
+#### 4.2.1 修改提现列表页面（`apps/web-antd/src/views/agent/agent-withdrawal/list.vue`）
+
+**新增功能：**
+1. 列表显示提现类型（支付宝/银行卡）
+2. 银行卡提现显示银行卡号和开户支行
+3. 银行卡提现申请中状态显示"审核"操作按钮
+4. 点击审核按钮打开审核弹窗
+
+#### 4.2.2 新增审核弹窗组件
+
+**文件：** `apps/web-antd/src/views/agent/agent-withdrawal/modules/review-modal.vue`
+
+**功能：**
+- 显示提现详情（金额、银行卡信息、用户信息等）
+- 确认/拒绝操作
+- 拒绝时必填拒绝原因
+- 提交审核结果
+
+#### 4.2.3 修改列表数据配置（`apps/web-antd/src/views/agent/agent-withdrawal/data.ts`）
+
+**新增列：**
+- 提现类型列
+- 银行卡号列（仅银行卡提现显示）
+- 开户支行列（仅银行卡提现显示）
+- 操作列（银行卡申请中状态显示审核按钮）
+
+#### 4.2.4 API接口调用
+
+**新增接口：**
+```typescript
+// apps/web-antd/src/api/agent.ts
+export function reviewBankCardWithdrawal(data: {
+  withdrawal_id: number;
+  action: 1 | 2; // 1-确认, 2-拒绝
+  remark?: string;
+}) {
+  return request.post('/admin/agent-withdrawal/bank-card/review', data);
+}
+```
+
+## 五、实施步骤
+
+### 阶段一：数据库准备（1-2天）
+1. ✅ 编写数据库变更SQL脚本
+2. ✅ 执行SQL脚本更新数据库表结构
+3. ✅ 如果实现历史记录功能，创建 `agent_bank_card` 表
+
+### 阶段二：后端开发（3-5天）
+1. ✅ 修改API定义文件（`agent.api`、`admin_agent.api`）
+2. ✅ 使用goctl重新生成代码（包括模型和类型定义）
+3. ✅ 实现银行卡提现申请逻辑（`BankCardWithdrawalLogic`）
+4. ✅ 实现银行卡提现审核逻辑（`AdminReviewBankCardWithdrawalLogic`）
+5. ✅ 修改现有提现列表逻辑，支持银行卡信息查询
+6. ✅ 实现获取历史银行卡信息接口（可选）
+7. ✅ 单元测试和接口测试
+
+### 阶段三：前端开发（3-5天）
+
+#### 用户端（tydata-webview-v2）
+1. ✅ 修改提现页面，添加银行卡提现选项
+2. ✅ 实现银行卡提现表单和验证
+3. ✅ 实现历史信息自动填充
+4. ✅ 修改提现记录页面，显示银行卡信息
+5. ✅ 测试提现流程
+
+#### 管理端（tydata-admin）
+1. ✅ 修改提现列表页面，显示银行卡信息
+2. ✅ 实现审核弹窗组件
+3. ✅ 实现审核操作逻辑
+4. ✅ 测试审核流程
+
+### 阶段四：测试与优化（2-3天）
+1. ✅ 功能测试（申请、审核、拒绝流程）
+2. ✅ 边界测试（金额、状态、并发等）
+3. ✅ 性能测试
+4. ✅ Bug修复
+5. ✅ 代码审查
+
+### 阶段五：部署上线（1天）
+1. ✅ 数据库迁移脚本执行
+2. ✅ 后端服务部署
+3. ✅ 前端应用部署
+4. ✅ 生产环境验证
+
+## 六、注意事项
+
+### 6.1 数据兼容性
+- 现有支付宝提现记录的 `withdraw_type` 默认为1（支付宝）
+- 现有记录的 `bank_card_no`、`bank_name`、`payee_name` 为NULL（正常）
+
+### 6.2 安全性
+- 银行卡号需要加密存储（建议使用AES加密）
+- 前端传输时使用HTTPS
+- 审核操作需要管理员权限验证
+
+### 6.3 业务规则
+- 银行卡提现最低金额：50元（与支付宝一致）
+- 银行卡提现税率：6%（与支付宝一致）
+- 银行卡提现需要实名认证通过
+- 银行卡信息需与实名认证姓名一致
+
+### 6.4 用户体验
+- 历史银行卡信息自动填充，减少用户输入
+- 明确提示银行卡信息需与实名信息一致
+- 审核状态及时反馈给用户
+
+### 6.5 错误处理
+- 银行卡号格式验证
+- 金额不足提示
+- 审核操作失败回滚
+- 异常情况日志记录
+
+## 七、风险评估
+
+### 7.1 技术风险
+- **数据库迁移风险**：表结构变更可能影响现有功能
+  - **应对**：先在测试环境验证，做好数据备份
+  
+- **并发问题**：审核操作可能并发执行
+  - **应对**：使用数据库事务和版本号控制
+
+### 7.2 业务风险
+- **资金安全**：银行卡提现涉及资金操作
+  - **应对**：严格权限控制，操作日志记录
+  
+- **审核效率**：管理员需要手动审核，可能影响用户体验
+  - **应对**：提供审核提醒功能，优化审核流程
+
+## 八、后续优化建议
+
+1. **审核提醒**：管理员审核列表增加待审核数量提醒
+2. **批量审核**：支持批量确认/拒绝操作
+3. **审核历史**：记录审核操作人和操作时间
+4. **银行卡管理**：用户可管理多张银行卡，设置默认卡
+5. **提现限额**：银行卡提现可设置不同的限额规则
+
+## 九、文件清单
+
+### 后端文件
+- `app/main/api/desc/front/agent.api` - 前端API定义（修改）
+- `app/main/api/desc/admin/admin_agent.api` - 管理员API定义（修改）
+- `app/main/api/internal/logic/agent/bankcardwithdrawallogic.go` - 银行卡提现申请逻辑（新增）
+- `app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go` - 银行卡提现审核逻辑（新增）
+- `app/main/model/agentWithdrawalModel_gen.go` - 提现模型（重新生成）
+- `app/main/model/agentBankCardModel.go` - 银行卡信息模型（可选，新增）
+
+### 前端文件（用户端）
+- `src/views/Withdraw.vue` - 提现页面（修改）
+- `src/views/WithdrawDetails.vue` - 提现记录页面（修改）
+- `src/api/withdraw.js` - API接口（修改）
+
+### 前端文件（管理端）
+- `apps/web-antd/src/views/agent/agent-withdrawal/list.vue` - 提现列表（修改）
+- `apps/web-antd/src/views/agent/agent-withdrawal/modules/review-modal.vue` - 审核弹窗（新增）
+- `apps/web-antd/src/views/agent/agent-withdrawal/data.ts` - 列表配置（修改）
+- `apps/web-antd/src/api/agent.ts` - API接口（修改）
+
+### 数据库文件
+- `deploy/sql/bank_card_withdrawal.sql` - 数据库变更脚本（新增）
+
+---
+
+**预计总工期：10-15个工作日**
+