t

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)
+	}
+}

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)
+	}
+}

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)
+	}
+}

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",

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{

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
+}

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
+}

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
+}

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