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internal/domains/finance/entities/alipay_order.go

@@ -0,0 +1,28 @@
+package entities
+
+import "github.com/shopspring/decimal"
+
+// AlipayOrderStatus 支付宝订单状态枚举（别名）
+type AlipayOrderStatus = PayOrderStatus
+
+const (
+	AlipayOrderStatusPending   AlipayOrderStatus = PayOrderStatusPending   // 待支付
+	AlipayOrderStatusSuccess   AlipayOrderStatus = PayOrderStatusSuccess   // 支付成功
+	AlipayOrderStatusFailed    AlipayOrderStatus = PayOrderStatusFailed    // 支付失败
+	AlipayOrderStatusCancelled AlipayOrderStatus = PayOrderStatusCancelled // 已取消
+	AlipayOrderStatusClosed    AlipayOrderStatus = PayOrderStatusClosed    // 已关闭
+)
+
+const (
+	AlipayOrderPlatformApp = "app" // 支付宝APP支付
+	AlipayOrderPlatformH5  = "h5"  // 支付宝H5支付
+	AlipayOrderPlatformPC  = "pc"  // 支付宝PC支付
+)
+
+// AlipayOrder 支付宝订单实体（统一表 typay_orders，兼容多支付渠道）
+type AlipayOrder = PayOrder
+
+// NewAlipayOrder 工厂方法 - 创建支付宝订单
+func NewAlipayOrder(rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform string) *AlipayOrder {
+	return NewPayOrder(rechargeID, outTradeNo, subject, amount, platform, "alipay")
+}

internal/domains/finance/entities/invoice_application.go

@@ -0,0 +1,163 @@
+package entities
+
+import (
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+
+	"hyapi-server/internal/domains/finance/value_objects"
+)
+
+// ApplicationStatus 申请状态枚举
+type ApplicationStatus string
+
+const (
+	ApplicationStatusPending   ApplicationStatus = "pending"   // 待处理
+	ApplicationStatusCompleted ApplicationStatus = "completed" // 已完成（已上传发票）
+	ApplicationStatusRejected  ApplicationStatus = "rejected"  // 已拒绝
+)
+
+// InvoiceApplication 发票申请聚合根
+type InvoiceApplication struct {
+	// 基础标识
+	ID          string `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"申请唯一标识"`
+	UserID      string `gorm:"type:varchar(36);not null;index" json:"user_id" comment:"申请用户ID"`
+
+	// 申请信息
+	InvoiceType value_objects.InvoiceType `gorm:"type:varchar(20);not null" json:"invoice_type" comment:"发票类型"`
+	Amount      decimal.Decimal           `gorm:"type:decimal(20,8);not null" json:"amount" comment:"申请金额"`
+	Status      ApplicationStatus         `gorm:"type:varchar(20);not null;default:'pending';index" json:"status" comment:"申请状态"`
+
+	// 开票信息快照（申请时的信息，用于历史记录追踪）
+	CompanyName    string `gorm:"type:varchar(200);not null" json:"company_name" comment:"公司名称"`
+	TaxpayerID     string `gorm:"type:varchar(50);not null" json:"taxpayer_id" comment:"纳税人识别号"`
+	BankName       string `gorm:"type:varchar(100)" json:"bank_name" comment:"开户银行"`
+	BankAccount    string `gorm:"type:varchar(50)" json:"bank_account" comment:"银行账号"`
+	CompanyAddress string `gorm:"type:varchar(500)" json:"company_address" comment:"企业地址"`
+	CompanyPhone   string `gorm:"type:varchar(20)" json:"company_phone" comment:"企业电话"`
+	ReceivingEmail string `gorm:"type:varchar(100);not null" json:"receiving_email" comment:"发票接收邮箱"`
+
+	// 开票信息引用（关联到用户开票信息表，用于模板功能）
+	UserInvoiceInfoID string `gorm:"type:varchar(36);not null" json:"user_invoice_info_id" comment:"用户开票信息ID"`
+
+	// 文件信息（申请通过后才有）
+	FileID       *string    `gorm:"type:varchar(200)" json:"file_id,omitempty" comment:"文件ID"`
+	FileName     *string    `gorm:"type:varchar(200)" json:"file_name,omitempty" comment:"文件名"`
+	FileSize     *int64     `json:"file_size,omitempty" comment:"文件大小"`
+	FileURL      *string    `gorm:"type:varchar(500)" json:"file_url,omitempty" comment:"文件URL"`
+
+	// 处理信息
+	ProcessedBy   *string    `gorm:"type:varchar(36)" json:"processed_by,omitempty" comment:"处理人ID"`
+	ProcessedAt   *time.Time `json:"processed_at,omitempty" comment:"处理时间"`
+	RejectReason  *string    `gorm:"type:varchar(500)" json:"reject_reason,omitempty" comment:"拒绝原因"`
+	AdminNotes    *string    `gorm:"type:varchar(500)" json:"admin_notes,omitempty" comment:"管理员备注"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (InvoiceApplication) TableName() string {
+	return "invoice_applications"
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID
+func (ia *InvoiceApplication) BeforeCreate(tx *gorm.DB) error {
+	if ia.ID == "" {
+		ia.ID = uuid.New().String()
+	}
+	return nil
+}
+
+// IsPending 检查是否为待处理状态
+func (ia *InvoiceApplication) IsPending() bool {
+	return ia.Status == ApplicationStatusPending
+}
+
+
+
+// IsCompleted 检查是否为已完成状态
+func (ia *InvoiceApplication) IsCompleted() bool {
+	return ia.Status == ApplicationStatusCompleted
+}
+
+// IsRejected 检查是否为已拒绝状态
+func (ia *InvoiceApplication) IsRejected() bool {
+	return ia.Status == ApplicationStatusRejected
+}
+
+// CanProcess 检查是否可以处理
+func (ia *InvoiceApplication) CanProcess() bool {
+	return ia.IsPending()
+}
+
+// CanReject 检查是否可以拒绝
+func (ia *InvoiceApplication) CanReject() bool {
+	return ia.IsPending()
+}
+
+
+
+// MarkCompleted 标记为已完成
+func (ia *InvoiceApplication) MarkCompleted(processedBy string) {
+	ia.Status = ApplicationStatusCompleted
+	ia.ProcessedBy = &processedBy
+	now := time.Now()
+	ia.ProcessedAt = &now
+}
+
+// MarkRejected 标记为已拒绝
+func (ia *InvoiceApplication) MarkRejected(reason string, processedBy string) {
+	ia.Status = ApplicationStatusRejected
+	ia.RejectReason = &reason
+	ia.ProcessedBy = &processedBy
+	now := time.Now()
+	ia.ProcessedAt = &now
+}
+
+// SetFileInfo 设置文件信息
+func (ia *InvoiceApplication) SetFileInfo(fileID, fileName, fileURL string, fileSize int64) {
+	ia.FileID = &fileID
+	ia.FileName = &fileName
+	ia.FileURL = &fileURL
+	ia.FileSize = &fileSize
+}
+
+// NewInvoiceApplication 工厂方法
+func NewInvoiceApplication(userID string, invoiceType value_objects.InvoiceType, amount decimal.Decimal, userInvoiceInfoID string) *InvoiceApplication {
+	return &InvoiceApplication{
+		UserID:             userID,
+		InvoiceType:        invoiceType,
+		Amount:             amount,
+		Status:             ApplicationStatusPending,
+		UserInvoiceInfoID:  userInvoiceInfoID,
+	}
+}
+
+// SetInvoiceInfoSnapshot 设置开票信息快照
+func (ia *InvoiceApplication) SetInvoiceInfoSnapshot(info *value_objects.InvoiceInfo) {
+	ia.CompanyName = info.CompanyName
+	ia.TaxpayerID = info.TaxpayerID
+	ia.BankName = info.BankName
+	ia.BankAccount = info.BankAccount
+	ia.CompanyAddress = info.CompanyAddress
+	ia.CompanyPhone = info.CompanyPhone
+	ia.ReceivingEmail = info.ReceivingEmail
+}
+
+// GetInvoiceInfoSnapshot 获取开票信息快照
+func (ia *InvoiceApplication) GetInvoiceInfoSnapshot() *value_objects.InvoiceInfo {
+	return value_objects.NewInvoiceInfo(
+		ia.CompanyName,
+		ia.TaxpayerID,
+		ia.BankName,
+		ia.BankAccount,
+		ia.CompanyAddress,
+		ia.CompanyPhone,
+		ia.ReceivingEmail,
+	)
+}

internal/domains/finance/entities/pay_order.go

@@ -0,0 +1,136 @@
+package entities
+
+import (
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// PayOrderStatus 支付订单状态枚举（通用）
+type PayOrderStatus string
+
+const (
+	PayOrderStatusPending   PayOrderStatus = "pending"   // 待支付
+	PayOrderStatusSuccess   PayOrderStatus = "success"   // 支付成功
+	PayOrderStatusFailed    PayOrderStatus = "failed"    // 支付失败
+	PayOrderStatusCancelled PayOrderStatus = "cancelled" // 已取消
+	PayOrderStatusClosed    PayOrderStatus = "closed"    // 已关闭
+)
+
+// PayOrder 支付订单详情实体（统一表 typay_orders，兼容多支付渠道）
+type PayOrder struct {
+	// 基础标识
+	ID         string  `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"支付订单唯一标识"`
+	RechargeID string  `gorm:"type:varchar(36);not null;uniqueIndex" json:"recharge_id" comment:"关联充值记录ID"`
+	OutTradeNo string  `gorm:"type:varchar(64);not null;uniqueIndex" json:"out_trade_no" comment:"商户订单号"`
+	TradeNo    *string `gorm:"type:varchar(64);uniqueIndex" json:"trade_no,omitempty" comment:"第三方支付交易号"`
+
+	// 订单信息
+	Subject    string          `gorm:"type:varchar(200);not null" json:"subject" comment:"订单标题"`
+	Amount     decimal.Decimal `gorm:"type:decimal(20,8);not null" json:"amount" comment:"订单金额"`
+	Platform   string          `gorm:"type:varchar(20);not null" json:"platform" comment:"支付平台：app/h5/pc/wx_h5/wx_mini等"`
+	PayChannel string          `gorm:"type:varchar(20);not null;default:'alipay';index" json:"pay_channel" comment:"支付渠道：alipay/wechat"`
+	Status     PayOrderStatus  `gorm:"type:varchar(20);not null;default:'pending';index" json:"status" comment:"订单状态"`
+
+	// 支付渠道返回信息
+	BuyerID       string          `gorm:"type:varchar(64)" json:"buyer_id,omitempty" comment:"买家ID（支付渠道方）"`
+	SellerID      string          `gorm:"type:varchar(64)" json:"seller_id,omitempty" comment:"卖家ID（支付渠道方）"`
+	PayAmount     decimal.Decimal `gorm:"type:decimal(20,8)" json:"pay_amount,omitempty" comment:"实际支付金额"`
+	ReceiptAmount decimal.Decimal `gorm:"type:decimal(20,8)" json:"receipt_amount,omitempty" comment:"实收金额"`
+
+	// 回调信息
+	NotifyTime *time.Time `gorm:"index" json:"notify_time,omitempty" comment:"异步通知时间"`
+	ReturnTime *time.Time `gorm:"index" json:"return_time,omitempty" comment:"同步返回时间"`
+
+	// 错误信息
+	ErrorCode    string `gorm:"type:varchar(64)" json:"error_code,omitempty" comment:"错误码"`
+	ErrorMessage string `gorm:"type:text" json:"error_message,omitempty" comment:"错误信息"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (PayOrder) TableName() string {
+	return "typay_orders"
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID
+func (p *PayOrder) BeforeCreate(tx *gorm.DB) error {
+	if p.ID == "" {
+		p.ID = uuid.New().String()
+	}
+	return nil
+}
+
+// IsPending 检查是否为待支付状态
+func (p *PayOrder) IsPending() bool {
+	return p.Status == PayOrderStatusPending
+}
+
+// IsSuccess 检查是否为支付成功状态
+func (p *PayOrder) IsSuccess() bool {
+	return p.Status == PayOrderStatusSuccess
+}
+
+// IsFailed 检查是否为支付失败状态
+func (p *PayOrder) IsFailed() bool {
+	return p.Status == PayOrderStatusFailed
+}
+
+// IsCancelled 检查是否为已取消状态
+func (p *PayOrder) IsCancelled() bool {
+	return p.Status == PayOrderStatusCancelled
+}
+
+// IsClosed 检查是否为已关闭状态
+func (p *PayOrder) IsClosed() bool {
+	return p.Status == PayOrderStatusClosed
+}
+
+// MarkSuccess 标记为支付成功
+func (p *PayOrder) MarkSuccess(tradeNo, buyerID, sellerID string, payAmount, receiptAmount decimal.Decimal) {
+	p.Status = PayOrderStatusSuccess
+	p.TradeNo = &tradeNo
+	p.BuyerID = buyerID
+	p.SellerID = sellerID
+	p.PayAmount = payAmount
+	p.ReceiptAmount = receiptAmount
+	now := time.Now()
+	p.NotifyTime = &now
+}
+
+// MarkFailed 标记为支付失败
+func (p *PayOrder) MarkFailed(errorCode, errorMessage string) {
+	p.Status = PayOrderStatusFailed
+	p.ErrorCode = errorCode
+	p.ErrorMessage = errorMessage
+}
+
+// MarkCancelled 标记为已取消
+func (p *PayOrder) MarkCancelled() {
+	p.Status = PayOrderStatusCancelled
+}
+
+// MarkClosed 标记为已关闭
+func (p *PayOrder) MarkClosed() {
+	p.Status = PayOrderStatusClosed
+}
+
+// NewPayOrder 通用工厂方法 - 创建支付订单（支持多支付渠道）
+func NewPayOrder(rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform, payChannel string) *PayOrder {
+	return &PayOrder{
+		ID:         uuid.New().String(),
+		RechargeID: rechargeID,
+		OutTradeNo: outTradeNo,
+		Subject:    subject,
+		Amount:     amount,
+		Platform:   platform,
+		PayChannel: payChannel,
+		Status:     PayOrderStatusPending,
+	}
+}

internal/domains/finance/entities/purchase_order.go

@@ -0,0 +1,180 @@
+package entities
+
+import (
+	"fmt"
+	"math/rand"
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// PurchaseOrderStatus 购买订单状态枚举（通用）
+type PurchaseOrderStatus string
+
+const (
+	PurchaseOrderStatusCreated   PurchaseOrderStatus = "created"   // 已创建
+	PurchaseOrderStatusPaid      PurchaseOrderStatus = "paid"      // 已支付
+	PurchaseOrderStatusFailed    PurchaseOrderStatus = "failed"    // 支付失败
+	PurchaseOrderStatusCancelled PurchaseOrderStatus = "cancelled" // 已取消
+	PurchaseOrderStatusRefunded  PurchaseOrderStatus = "refunded"  // 已退款
+	PurchaseOrderStatusClosed    PurchaseOrderStatus = "closed"    // 已关闭
+)
+
+// PurchaseOrder 购买订单实体（统一表 ty_purchase_orders，兼容多支付渠道）
+type PurchaseOrder struct {
+	// 基础标识
+	ID      string  `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"购买订单唯一标识"`
+	UserID  string  `gorm:"type:varchar(36);not null;index" json:"user_id" comment:"购买用户ID"`
+	OrderNo string  `gorm:"type:varchar(64);not null;uniqueIndex" json:"order_no" comment:"商户订单号"`
+	TradeNo *string `gorm:"type:varchar(64);uniqueIndex" json:"trade_no,omitempty" comment:"第三方支付交易号"`
+
+	// 产品信息
+	ProductID   string `gorm:"type:varchar(36);not null;index" json:"product_id" comment:"产品ID"`
+	ProductCode string `gorm:"type:varchar(50);not null" json:"product_code" comment:"产品编号"`
+	ProductName string `gorm:"type:varchar(200);not null" json:"product_name" comment:"产品名称"`
+	Category    string `gorm:"type:varchar(50)" json:"category,omitempty" comment:"产品分类"`
+
+	// 订单信息
+	Subject     string              `gorm:"type:varchar(200);not null" json:"subject" comment:"订单标题"`
+	Amount      decimal.Decimal     `gorm:"type:decimal(20,8);not null" json:"amount" comment:"订单金额"`
+	PayAmount   *decimal.Decimal    `gorm:"type:decimal(20,8)" json:"pay_amount,omitempty" comment:"实际支付金额"`
+	Status      PurchaseOrderStatus `gorm:"type:varchar(20);not null;default:'created';index" json:"status" comment:"订单状态"`
+	Platform    string              `gorm:"type:varchar(20);not null" json:"platform" comment:"下单平台：app/h5/pc/wx_h5/wx_mini等"`
+	PayChannel  string              `gorm:"type:varchar(20);default:'alipay';index" json:"pay_channel" comment:"支付渠道：alipay/wechat"`
+	PaymentType string              `gorm:"type:varchar(20);not null" json:"payment_type" comment:"支付类型：alipay, wechat, free"`
+
+	// 支付渠道返回信息
+	BuyerID       string          `gorm:"type:varchar(64)" json:"buyer_id,omitempty" comment:"买家ID（支付渠道方）"`
+	SellerID      string          `gorm:"type:varchar(64)" json:"seller_id,omitempty" comment:"卖家ID（支付渠道方）"`
+	ReceiptAmount decimal.Decimal `gorm:"type:decimal(20,8)" json:"receipt_amount,omitempty" comment:"实收金额"`
+
+	// 回调信息
+	NotifyTime *time.Time `gorm:"index" json:"notify_time,omitempty" comment:"异步通知时间"`
+	ReturnTime *time.Time `gorm:"index" json:"return_time,omitempty" comment:"同步返回时间"`
+	PayTime    *time.Time `gorm:"index" json:"pay_time,omitempty" comment:"支付完成时间"`
+
+	// 文件信息
+	FilePath *string `gorm:"type:varchar(500)" json:"file_path,omitempty" comment:"产品文件路径"`
+	FileSize *int64  `gorm:"type:bigint" json:"file_size,omitempty" comment:"文件大小（字节）"`
+
+	// 备注信息
+	Remark string `gorm:"type:varchar(500)" json:"remark,omitempty" comment:"备注信息"`
+
+	// 错误信息
+	ErrorCode    string `gorm:"type:varchar(64)" json:"error_code,omitempty" comment:"错误码"`
+	ErrorMessage string `gorm:"type:text" json:"error_message,omitempty" comment:"错误信息"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (PurchaseOrder) TableName() string {
+	return "ty_purchase_orders"
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID和订单号
+func (p *PurchaseOrder) BeforeCreate(tx *gorm.DB) error {
+	if p.ID == "" {
+		p.ID = uuid.New().String()
+	}
+	if p.OrderNo == "" {
+		p.OrderNo = generatePurchaseOrderNo()
+	}
+	return nil
+}
+
+// generatePurchaseOrderNo 生成购买订单号
+func generatePurchaseOrderNo() string {
+	// 使用时间戳+随机数生成唯一订单号，例如：PO202312200001
+	timestamp := time.Now().Format("20060102")
+	random := fmt.Sprintf("%04d", rand.Intn(9999))
+	return fmt.Sprintf("PO%s%s", timestamp, random)
+}
+
+// IsCreated 检查是否为已创建状态
+func (p *PurchaseOrder) IsCreated() bool {
+	return p.Status == PurchaseOrderStatusCreated
+}
+
+// IsPaid 检查是否为已支付状态
+func (p *PurchaseOrder) IsPaid() bool {
+	return p.Status == PurchaseOrderStatusPaid
+}
+
+// IsFailed 检查是否为支付失败状态
+func (p *PurchaseOrder) IsFailed() bool {
+	return p.Status == PurchaseOrderStatusFailed
+}
+
+// IsCancelled 检查是否为已取消状态
+func (p *PurchaseOrder) IsCancelled() bool {
+	return p.Status == PurchaseOrderStatusCancelled
+}
+
+// IsRefunded 检查是否为已退款状态
+func (p *PurchaseOrder) IsRefunded() bool {
+	return p.Status == PurchaseOrderStatusRefunded
+}
+
+// IsClosed 检查是否为已关闭状态
+func (p *PurchaseOrder) IsClosed() bool {
+	return p.Status == PurchaseOrderStatusClosed
+}
+
+// MarkPaid 标记为已支付
+func (p *PurchaseOrder) MarkPaid(tradeNo, buyerID, sellerID string, payAmount, receiptAmount decimal.Decimal) {
+	p.Status = PurchaseOrderStatusPaid
+	p.TradeNo = &tradeNo
+	p.BuyerID = buyerID
+	p.SellerID = sellerID
+	p.PayAmount = &payAmount
+	p.ReceiptAmount = receiptAmount
+	now := time.Now()
+	p.PayTime = &now
+	p.NotifyTime = &now
+}
+
+// MarkFailed 标记为支付失败
+func (p *PurchaseOrder) MarkFailed(errorCode, errorMessage string) {
+	p.Status = PurchaseOrderStatusFailed
+	p.ErrorCode = errorCode
+	p.ErrorMessage = errorMessage
+}
+
+// MarkCancelled 标记为已取消
+func (p *PurchaseOrder) MarkCancelled() {
+	p.Status = PurchaseOrderStatusCancelled
+}
+
+// MarkRefunded 标记为已退款
+func (p *PurchaseOrder) MarkRefunded() {
+	p.Status = PurchaseOrderStatusRefunded
+}
+
+// MarkClosed 标记为已关闭
+func (p *PurchaseOrder) MarkClosed() {
+	p.Status = PurchaseOrderStatusClosed
+}
+
+// NewPurchaseOrder 通用工厂方法 - 创建购买订单（支持多支付渠道）
+func NewPurchaseOrder(userID, productID, productCode, productName, subject string, amount decimal.Decimal, platform, payChannel, paymentType string) *PurchaseOrder {
+	return &PurchaseOrder{
+		ID:          uuid.New().String(),
+		UserID:      userID,
+		OrderNo:     generatePurchaseOrderNo(),
+		ProductID:   productID,
+		ProductCode: productCode,
+		ProductName: productName,
+		Subject:     subject,
+		Amount:      amount,
+		Status:      PurchaseOrderStatusCreated,
+		Platform:    platform,
+		PayChannel:  payChannel,
+		PaymentType: paymentType,
+	}
+}

internal/domains/finance/entities/recharge_record.go

@@ -0,0 +1,221 @@
+package entities
+
+import (
+	"errors"
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// RechargeType 充值类型枚举
+type RechargeType string
+
+const (
+	RechargeTypeAlipay   RechargeType = "alipay"   // 支付宝充值
+	RechargeTypeWechat   RechargeType = "wechat"   // 微信充值
+	RechargeTypeTransfer RechargeType = "transfer" // 对公转账
+	RechargeTypeGift     RechargeType = "gift"     // 赠送
+)
+
+// RechargeStatus 充值状态枚举
+type RechargeStatus string
+
+const (
+	RechargeStatusPending   RechargeStatus = "pending"   // 待处理
+	RechargeStatusSuccess   RechargeStatus = "success"   // 成功
+	RechargeStatusFailed    RechargeStatus = "failed"    // 失败
+	RechargeStatusCancelled RechargeStatus = "cancelled" // 已取消
+)
+
+// RechargeRecord 充值记录实体
+// 记录用户的各种充值操作，包括支付宝充值、对公转账、赠送等
+type RechargeRecord struct {
+	// 基础标识
+	ID     string `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"充值记录唯一标识"`
+	UserID string `gorm:"type:varchar(36);not null;index" json:"user_id" comment:"充值用户ID"`
+
+	// 充值信息
+	Amount       decimal.Decimal `gorm:"type:decimal(20,8);not null" json:"amount" comment:"充值金额"`
+	RechargeType RechargeType    `gorm:"type:varchar(20);not null;index" json:"recharge_type" comment:"充值类型"`
+	Status       RechargeStatus  `gorm:"type:varchar(20);not null;default:'pending';index" json:"status" comment:"充值状态"`
+
+	// 订单号字段（根据充值类型使用不同字段）
+	AlipayOrderID   *string `gorm:"type:varchar(64);uniqueIndex" json:"alipay_order_id,omitempty" comment:"支付宝订单号"`
+	WechatOrderID   *string `gorm:"type:varchar(64);uniqueIndex" json:"wechat_order_id,omitempty" comment:"微信订单号"`
+	TransferOrderID *string `gorm:"type:varchar(64);uniqueIndex" json:"transfer_order_id,omitempty" comment:"转账订单号"`
+
+	// 通用字段
+	Notes string `gorm:"type:varchar(500)" json:"notes,omitempty" comment:"备注信息"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (RechargeRecord) TableName() string {
+	return "recharge_records"
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID
+func (r *RechargeRecord) BeforeCreate(tx *gorm.DB) error {
+	if r.ID == "" {
+		r.ID = uuid.New().String()
+	}
+	return nil
+}
+
+// IsPending 检查是否为待处理状态
+func (r *RechargeRecord) IsPending() bool {
+	return r.Status == RechargeStatusPending
+}
+
+// IsSuccess 检查是否为成功状态
+func (r *RechargeRecord) IsSuccess() bool {
+	return r.Status == RechargeStatusSuccess
+}
+
+// IsFailed 检查是否为失败状态
+func (r *RechargeRecord) IsFailed() bool {
+	return r.Status == RechargeStatusFailed
+}
+
+// IsCancelled 检查是否为已取消状态
+func (r *RechargeRecord) IsCancelled() bool {
+	return r.Status == RechargeStatusCancelled
+}
+
+// MarkSuccess 标记为成功
+func (r *RechargeRecord) MarkSuccess() {
+	r.Status = RechargeStatusSuccess
+}
+
+// MarkFailed 标记为失败
+func (r *RechargeRecord) MarkFailed() {
+	r.Status = RechargeStatusFailed
+}
+
+// MarkCancelled 标记为已取消
+func (r *RechargeRecord) MarkCancelled() {
+	r.Status = RechargeStatusCancelled
+}
+
+// ValidatePaymentMethod 验证支付方式：支付宝订单号和转账订单号只能有一个存在
+func (r *RechargeRecord) ValidatePaymentMethod() error {
+	hasAlipay := r.AlipayOrderID != nil && *r.AlipayOrderID != ""
+	hasWechat := r.WechatOrderID != nil && *r.WechatOrderID != ""
+	hasTransfer := r.TransferOrderID != nil && *r.TransferOrderID != ""
+
+	count := 0
+	if hasAlipay {
+		count++
+	}
+	if hasWechat {
+		count++
+	}
+	if hasTransfer {
+		count++
+	}
+	if count > 1 {
+		return errors.New("支付宝、微信或转账订单号只能存在一个")
+	}
+	if count == 0 {
+		return errors.New("必须提供支付宝、微信或转账订单号")
+	}
+
+	return nil
+}
+
+// GetOrderID 获取订单号（根据充值类型返回对应的订单号）
+func (r *RechargeRecord) GetOrderID() string {
+	switch r.RechargeType {
+	case RechargeTypeAlipay:
+		if r.AlipayOrderID != nil {
+			return *r.AlipayOrderID
+		}
+	case RechargeTypeWechat:
+		if r.WechatOrderID != nil {
+			return *r.WechatOrderID
+		}
+	case RechargeTypeTransfer:
+		if r.TransferOrderID != nil {
+			return *r.TransferOrderID
+		}
+	}
+	return ""
+}
+
+// SetAlipayOrderID 设置支付宝订单号
+func (r *RechargeRecord) SetAlipayOrderID(orderID string) {
+	r.AlipayOrderID = &orderID
+}
+
+// SetWechatOrderID 设置微信订单号
+func (r *RechargeRecord) SetWechatOrderID(orderID string) {
+	r.WechatOrderID = &orderID
+}
+
+// SetTransferOrderID 设置转账订单号
+func (r *RechargeRecord) SetTransferOrderID(orderID string) {
+	r.TransferOrderID = &orderID
+}
+
+// NewAlipayRechargeRecord 工厂方法 - 创建支付宝充值记录
+func NewAlipayRechargeRecord(userID string, amount decimal.Decimal, alipayOrderID string) *RechargeRecord {
+	return NewAlipayRechargeRecordWithNotes(userID, amount, alipayOrderID, "")
+}
+
+// NewAlipayRechargeRecordWithNotes 工厂方法 - 创建支付宝充值记录（带备注）
+func NewAlipayRechargeRecordWithNotes(userID string, amount decimal.Decimal, alipayOrderID, notes string) *RechargeRecord {
+	return &RechargeRecord{
+		UserID:        userID,
+		Amount:        amount,
+		RechargeType:  RechargeTypeAlipay,
+		Status:        RechargeStatusPending,
+		AlipayOrderID: &alipayOrderID,
+		Notes:         notes,
+	}
+}
+
+// NewWechatRechargeRecord 工厂方法 - 创建微信充值记录
+func NewWechatRechargeRecord(userID string, amount decimal.Decimal, wechatOrderID string) *RechargeRecord {
+	return NewWechatRechargeRecordWithNotes(userID, amount, wechatOrderID, "")
+}
+
+// NewWechatRechargeRecordWithNotes 工厂方法 - 创建微信充值记录（带备注）
+func NewWechatRechargeRecordWithNotes(userID string, amount decimal.Decimal, wechatOrderID, notes string) *RechargeRecord {
+	return &RechargeRecord{
+		UserID:        userID,
+		Amount:        amount,
+		RechargeType:  RechargeTypeWechat,
+		Status:        RechargeStatusPending,
+		WechatOrderID: &wechatOrderID,
+		Notes:         notes,
+	}
+}
+
+// NewTransferRechargeRecord 工厂方法 - 创建对公转账充值记录
+func NewTransferRechargeRecord(userID string, amount decimal.Decimal, transferOrderID, notes string) *RechargeRecord {
+	return &RechargeRecord{
+		UserID:          userID,
+		Amount:          amount,
+		RechargeType:    RechargeTypeTransfer,
+		Status:          RechargeStatusPending,
+		TransferOrderID: &transferOrderID,
+		Notes:           notes,
+	}
+}
+
+// NewGiftRechargeRecord 工厂方法 - 创建赠送充值记录
+func NewGiftRechargeRecord(userID string, amount decimal.Decimal, notes string) *RechargeRecord {
+	return &RechargeRecord{
+		UserID:       userID,
+		Amount:       amount,
+		RechargeType: RechargeTypeGift,
+		Status:       RechargeStatusSuccess, // 赠送直接标记为成功
+		Notes:        notes,
+	}
+}

internal/domains/finance/entities/user_invoice_info.go

@@ -0,0 +1,71 @@
+package entities
+
+import (
+	"time"
+
+	"gorm.io/gorm"
+)
+
+// UserInvoiceInfo 用户开票信息实体
+type UserInvoiceInfo struct {
+	ID             string         `gorm:"primaryKey;type:varchar(36)" json:"id"`
+	UserID         string         `gorm:"uniqueIndex;type:varchar(36);not null" json:"user_id"`
+	
+	// 开票信息字段
+	CompanyName    string `gorm:"type:varchar(200);not null" json:"company_name"`    // 公司名称
+	TaxpayerID     string `gorm:"type:varchar(50);not null" json:"taxpayer_id"`      // 纳税人识别号
+	BankName       string `gorm:"type:varchar(100)" json:"bank_name"`                // 开户银行
+	BankAccount    string `gorm:"type:varchar(50)" json:"bank_account"`              // 银行账号
+	CompanyAddress string `gorm:"type:varchar(500)" json:"company_address"`          // 企业地址
+	CompanyPhone   string `gorm:"type:varchar(20)" json:"company_phone"`             // 企业电话
+	ReceivingEmail string `gorm:"type:varchar(100);not null" json:"receiving_email"` // 发票接收邮箱
+	
+	// 元数据
+	CreatedAt time.Time      `json:"created_at"`
+	UpdatedAt time.Time      `json:"updated_at"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-"`
+}
+
+// TableName 指定表名
+func (UserInvoiceInfo) TableName() string {
+	return "user_invoice_info"
+}
+
+// IsComplete 检查开票信息是否完整
+func (u *UserInvoiceInfo) IsComplete() bool {
+	return u.CompanyName != "" && u.TaxpayerID != "" && u.ReceivingEmail != ""
+}
+
+// IsCompleteForSpecialInvoice 检查专票信息是否完整
+func (u *UserInvoiceInfo) IsCompleteForSpecialInvoice() bool {
+	return u.CompanyName != "" && u.TaxpayerID != "" && u.BankName != "" && 
+		   u.BankAccount != "" && u.CompanyAddress != "" && u.CompanyPhone != "" && 
+		   u.ReceivingEmail != ""
+}
+
+// GetMissingFields 获取缺失的字段
+func (u *UserInvoiceInfo) GetMissingFields() []string {
+	var missing []string
+	if u.CompanyName == "" {
+		missing = append(missing, "公司名称")
+	}
+	if u.TaxpayerID == "" {
+		missing = append(missing, "纳税人识别号")
+	}
+	if u.BankName == "" {
+		missing = append(missing, "开户银行")
+	}
+	if u.BankAccount == "" {
+		missing = append(missing, "银行账号")
+	}
+	if u.CompanyAddress == "" {
+		missing = append(missing, "企业地址")
+	}
+	if u.CompanyPhone == "" {
+		missing = append(missing, "企业电话")
+	}
+	if u.ReceivingEmail == "" {
+		missing = append(missing, "发票接收邮箱")
+	}
+	return missing
+} 

internal/domains/finance/entities/wallet.go

@@ -0,0 +1,107 @@
+package entities
+
+import (
+	"fmt"
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// Wallet 钱包聚合根
+// 用户数字钱包的核心信息，支持多种钱包类型和精确的余额管理
+// 使用decimal类型确保金额计算的精确性，避免浮点数精度问题
+// 支持欠费（余额<0），但只允许扣到小于0一次，之后不能再扣
+// 新建钱包时可配置默认额度
+
+type Wallet struct {
+	// 基础标识
+	ID     string `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"钱包唯一标识"`
+	UserID string `gorm:"type:varchar(36);not null;uniqueIndex" json:"user_id" comment:"关联用户ID"`
+
+	// 钱包状态 - 钱包的基本状态信息
+	IsActive bool            `gorm:"default:true" json:"is_active" comment:"钱包是否激活"`
+	Balance  decimal.Decimal `gorm:"type:decimal(20,8);default:0" json:"balance" comment:"钱包余额(精确到8位小数)"`
+	Version  int64           `gorm:"default:0" json:"version" comment:"乐观锁版本号"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (Wallet) TableName() string {
+	return "wallets"
+}
+
+// IsZeroBalance 检查余额是否为零
+func (w *Wallet) IsZeroBalance() bool {
+	return w.Balance.IsZero()
+}
+
+// HasSufficientBalance 检查是否有足够余额（允许透支额度）
+func (w *Wallet) HasSufficientBalance(amount decimal.Decimal) bool {
+	// 允许扣到额度下限
+	return w.Balance.Sub(amount).GreaterThanOrEqual(decimal.Zero)
+}
+
+// IsArrears 是否欠费（余额<0）
+func (w *Wallet) IsArrears() bool {
+	return w.Balance.LessThan(decimal.Zero)
+}
+
+// IsLowBalance 是否余额较低（余额<300）
+func (w *Wallet) IsLowBalance() bool {
+	return w.Balance.LessThan(decimal.NewFromInt(300))
+}
+
+// GetBalanceStatus 获取余额状态
+func (w *Wallet) GetBalanceStatus() string {
+	if w.IsArrears() {
+		return "arrears" // 欠费
+	} else if w.IsLowBalance() {
+		return "low" // 余额较低
+	} else {
+		return "normal" // 正常
+	}
+}
+
+// AddBalance 增加余额（只做加法，业务规则由服务层控制是否允许充值）
+func (w *Wallet) AddBalance(amount decimal.Decimal) {
+	w.Balance = w.Balance.Add(amount)
+}
+
+// SubtractBalance 扣减余额，含欠费业务规则
+func (w *Wallet) SubtractBalance(amount decimal.Decimal) error {
+	if w.Balance.LessThan(decimal.Zero) {
+		return fmt.Errorf("已欠费，不能再扣款")
+	}
+	newBalance := w.Balance.Sub(amount)
+	w.Balance = newBalance
+	return nil
+}
+
+// GetFormattedBalance 获取格式化的余额字符串
+func (w *Wallet) GetFormattedBalance() string {
+	return w.Balance.String()
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID
+func (w *Wallet) BeforeCreate(tx *gorm.DB) error {
+	if w.ID == "" {
+		w.ID = uuid.New().String()
+	}
+	return nil
+}
+
+// NewWallet 工厂方法
+func NewWallet(userID string, defaultCreditLimit decimal.Decimal) *Wallet {
+	return &Wallet{
+		UserID:   userID,
+		IsActive: true,
+		Balance:  defaultCreditLimit,
+		Version:  0,
+	}
+}

internal/domains/finance/entities/wallet_transaction.go

@@ -0,0 +1,52 @@
+package entities
+
+import (
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+)
+
+// WalletTransaction 钱包扣款记录
+// 记录API调用产生的扣款操作
+type WalletTransaction struct {
+	// 基础标识
+	ID            string `gorm:"primaryKey;type:varchar(36)" json:"id" comment:"交易记录唯一标识"`
+	UserID        string `gorm:"type:varchar(36);not null;index" json:"user_id" comment:"扣款用户ID"`
+	ApiCallID     string `gorm:"type:varchar(64);not null;uniqueIndex" json:"api_call_id" comment:"关联API调用ID"`
+	TransactionID string `gorm:"type:varchar(36);not null;uniqueIndex" json:"transaction_id" comment:"交易ID"`
+	ProductID     string `gorm:"type:varchar(64);not null;index" json:"product_id" comment:"产品ID"`
+
+	// 扣款信息
+	Amount decimal.Decimal `gorm:"type:decimal(20,8);not null" json:"amount" comment:"扣款金额"`
+
+	// 时间戳字段
+	CreatedAt time.Time      `gorm:"autoCreateTime" json:"created_at" comment:"创建时间"`
+	UpdatedAt time.Time      `gorm:"autoUpdateTime" json:"updated_at" comment:"更新时间"`
+	DeletedAt gorm.DeletedAt `gorm:"index" json:"-" comment:"软删除时间"`
+}
+
+// TableName 指定数据库表名
+func (WalletTransaction) TableName() string {
+	return "wallet_transactions"
+}
+
+// BeforeCreate GORM钩子：创建前自动生成UUID
+func (t *WalletTransaction) BeforeCreate(tx *gorm.DB) error {
+	if t.ID == "" {
+		t.ID = uuid.New().String()
+	}
+	return nil
+}
+
+// NewWalletTransaction 工厂方法 - 创建扣款记录
+func NewWalletTransaction(userID, apiCallID, transactionID, productID string, amount decimal.Decimal) *WalletTransaction {
+	return &WalletTransaction{
+		UserID:        userID,
+		ApiCallID:     apiCallID,
+		TransactionID: transactionID,
+		ProductID:     productID,
+		Amount:        amount,
+	}
+}

internal/domains/finance/entities/wechat_order.go

@@ -0,0 +1,33 @@
+package entities
+
+import "github.com/shopspring/decimal"
+
+// WechatOrderStatus 微信订单状态枚举（别名）
+type WechatOrderStatus = PayOrderStatus
+
+const (
+	WechatOrderStatusPending   WechatOrderStatus = PayOrderStatusPending   // 待支付
+	WechatOrderStatusSuccess   WechatOrderStatus = PayOrderStatusSuccess   // 支付成功
+	WechatOrderStatusFailed    WechatOrderStatus = PayOrderStatusFailed    // 支付失败
+	WechatOrderStatusCancelled WechatOrderStatus = PayOrderStatusCancelled // 已取消
+	WechatOrderStatusClosed    WechatOrderStatus = PayOrderStatusClosed    // 已关闭
+)
+
+const (
+	WechatOrderPlatformApp  = "app"  // 微信APP支付
+	WechatOrderPlatformH5   = "h5"   // 微信H5支付
+	WechatOrderPlatformMini = "mini" // 微信小程序支付
+)
+
+// WechatOrder 微信订单实体（统一表 typay_orders，兼容多支付渠道）
+type WechatOrder = PayOrder
+
+// NewWechatOrder 工厂方法 - 创建微信订单（统一表 typay_orders）
+func NewWechatOrder(rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform string) *WechatOrder {
+	return NewPayOrder(rechargeID, outTradeNo, subject, amount, platform, "wechat")
+}
+
+// NewWechatPayOrder 工厂方法 - 创建微信支付订单（别名，保持向后兼容）
+func NewWechatPayOrder(rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform string) *WechatOrder {
+	return NewWechatOrder(rechargeID, outTradeNo, subject, amount, platform)
+}

internal/domains/finance/events/invoice_events.go

@@ -0,0 +1,213 @@
+package events
+
+import (
+	"encoding/json"
+	"time"
+
+	"hyapi-server/internal/domains/finance/value_objects"
+
+	"github.com/google/uuid"
+	"github.com/shopspring/decimal"
+)
+
+// BaseEvent 基础事件结构
+type BaseEvent struct {
+	ID            string            `json:"id"`
+	Type          string            `json:"type"`
+	Version       string            `json:"version"`
+	Timestamp     time.Time         `json:"timestamp"`
+	Source        string            `json:"source"`
+	AggregateID   string            `json:"aggregate_id"`
+	AggregateType string            `json:"aggregate_type"`
+	Metadata      map[string]interface{} `json:"metadata"`
+}
+
+// NewBaseEvent 创建基础事件
+func NewBaseEvent(eventType, aggregateID, aggregateType string) BaseEvent {
+	return BaseEvent{
+		ID:            uuid.New().String(),
+		Type:          eventType,
+		Version:       "1.0",
+		Timestamp:     time.Now(),
+		Source:        "finance-domain",
+		AggregateID:   aggregateID,
+		AggregateType: aggregateType,
+		Metadata:      make(map[string]interface{}),
+	}
+}
+
+// GetID 获取事件ID
+func (e BaseEvent) GetID() string {
+	return e.ID
+}
+
+// GetType 获取事件类型
+func (e BaseEvent) GetType() string {
+	return e.Type
+}
+
+// GetVersion 获取事件版本
+func (e BaseEvent) GetVersion() string {
+	return e.Version
+}
+
+// GetTimestamp 获取事件时间戳
+func (e BaseEvent) GetTimestamp() time.Time {
+	return e.Timestamp
+}
+
+// GetSource 获取事件来源
+func (e BaseEvent) GetSource() string {
+	return e.Source
+}
+
+// GetAggregateID 获取聚合根ID
+func (e BaseEvent) GetAggregateID() string {
+	return e.AggregateID
+}
+
+// GetAggregateType 获取聚合根类型
+func (e BaseEvent) GetAggregateType() string {
+	return e.AggregateType
+}
+
+// GetMetadata 获取事件元数据
+func (e BaseEvent) GetMetadata() map[string]interface{} {
+	return e.Metadata
+}
+
+// Marshal 序列化事件
+func (e BaseEvent) Marshal() ([]byte, error) {
+	return json.Marshal(e)
+}
+
+// Unmarshal 反序列化事件
+func (e BaseEvent) Unmarshal(data []byte) error {
+	return json.Unmarshal(data, e)
+}
+
+// InvoiceApplicationCreatedEvent 发票申请创建事件
+type InvoiceApplicationCreatedEvent struct {
+	BaseEvent
+	ApplicationID string                    `json:"application_id"`
+	UserID        string                    `json:"user_id"`
+	InvoiceType   value_objects.InvoiceType `json:"invoice_type"`
+	Amount        decimal.Decimal           `json:"amount"`
+	CompanyName   string                    `json:"company_name"`
+	ReceivingEmail string                   `json:"receiving_email"`
+	CreatedAt     time.Time                 `json:"created_at"`
+}
+
+// NewInvoiceApplicationCreatedEvent 创建发票申请创建事件
+func NewInvoiceApplicationCreatedEvent(applicationID, userID string, invoiceType value_objects.InvoiceType, amount decimal.Decimal, companyName, receivingEmail string) *InvoiceApplicationCreatedEvent {
+	event := &InvoiceApplicationCreatedEvent{
+		BaseEvent:     NewBaseEvent("InvoiceApplicationCreated", applicationID, "InvoiceApplication"),
+		ApplicationID: applicationID,
+		UserID:        userID,
+		InvoiceType:   invoiceType,
+		Amount:        amount,
+		CompanyName:   companyName,
+		ReceivingEmail: receivingEmail,
+		CreatedAt:     time.Now(),
+	}
+	return event
+}
+
+// GetPayload 获取事件载荷
+func (e *InvoiceApplicationCreatedEvent) GetPayload() interface{} {
+	return e
+}
+
+// InvoiceApplicationApprovedEvent 发票申请通过事件
+type InvoiceApplicationApprovedEvent struct {
+	BaseEvent
+	ApplicationID string `json:"application_id"`
+	UserID        string `json:"user_id"`
+	Amount        decimal.Decimal `json:"amount"`
+	ReceivingEmail string `json:"receiving_email"`
+	ApprovedAt    time.Time `json:"approved_at"`
+}
+
+// NewInvoiceApplicationApprovedEvent 创建发票申请通过事件
+func NewInvoiceApplicationApprovedEvent(applicationID, userID string, amount decimal.Decimal, receivingEmail string) *InvoiceApplicationApprovedEvent {
+	event := &InvoiceApplicationApprovedEvent{
+		BaseEvent:     NewBaseEvent("InvoiceApplicationApproved", applicationID, "InvoiceApplication"),
+		ApplicationID: applicationID,
+		UserID:        userID,
+		Amount:        amount,
+		ReceivingEmail: receivingEmail,
+		ApprovedAt:    time.Now(),
+	}
+	return event
+}
+
+// GetPayload 获取事件载荷
+func (e *InvoiceApplicationApprovedEvent) GetPayload() interface{} {
+	return e
+}
+
+// InvoiceApplicationRejectedEvent 发票申请拒绝事件
+type InvoiceApplicationRejectedEvent struct {
+	BaseEvent
+	ApplicationID string    `json:"application_id"`
+	UserID        string    `json:"user_id"`
+	Reason        string    `json:"reason"`
+	ReceivingEmail string   `json:"receiving_email"`
+	RejectedAt    time.Time `json:"rejected_at"`
+}
+
+// NewInvoiceApplicationRejectedEvent 创建发票申请拒绝事件
+func NewInvoiceApplicationRejectedEvent(applicationID, userID, reason, receivingEmail string) *InvoiceApplicationRejectedEvent {
+	event := &InvoiceApplicationRejectedEvent{
+		BaseEvent:     NewBaseEvent("InvoiceApplicationRejected", applicationID, "InvoiceApplication"),
+		ApplicationID: applicationID,
+		UserID:        userID,
+		Reason:        reason,
+		ReceivingEmail: receivingEmail,
+		RejectedAt:    time.Now(),
+	}
+	return event
+}
+
+// GetPayload 获取事件载荷
+func (e *InvoiceApplicationRejectedEvent) GetPayload() interface{} {
+	return e
+}
+
+// InvoiceFileUploadedEvent 发票文件上传事件
+type InvoiceFileUploadedEvent struct {
+	BaseEvent
+	InvoiceID      string                    `json:"invoice_id"`
+	UserID         string                    `json:"user_id"`
+	FileID         string                    `json:"file_id"`
+	FileName       string                    `json:"file_name"`
+	FileURL        string                    `json:"file_url"`
+	ReceivingEmail string                    `json:"receiving_email"`
+	CompanyName    string                    `json:"company_name"`
+	Amount         decimal.Decimal           `json:"amount"`
+	InvoiceType    value_objects.InvoiceType `json:"invoice_type"`
+	UploadedAt     time.Time                 `json:"uploaded_at"`
+}
+
+// NewInvoiceFileUploadedEvent 创建发票文件上传事件
+func NewInvoiceFileUploadedEvent(invoiceID, userID, fileID, fileName, fileURL, receivingEmail, companyName string, amount decimal.Decimal, invoiceType value_objects.InvoiceType) *InvoiceFileUploadedEvent {
+	event := &InvoiceFileUploadedEvent{
+		BaseEvent:     NewBaseEvent("InvoiceFileUploaded", invoiceID, "InvoiceApplication"),
+		InvoiceID:     invoiceID,
+		UserID:        userID,
+		FileID:        fileID,
+		FileName:      fileName,
+		FileURL:       fileURL,
+		ReceivingEmail: receivingEmail,
+		CompanyName:   companyName,
+		Amount:        amount,
+		InvoiceType:   invoiceType,
+		UploadedAt:    time.Now(),
+	}
+	return event
+}
+
+// GetPayload 获取事件载荷
+func (e *InvoiceFileUploadedEvent) GetPayload() interface{} {
+	return e
+}

internal/domains/finance/repositories/alipay_order_repository_interface.go

@@ -0,0 +1,20 @@
+package repositories
+
+import (
+	"context"
+
+	"hyapi-server/internal/domains/finance/entities"
+)
+
+// AlipayOrderRepository 支付宝订单仓储接口
+type AlipayOrderRepository interface {
+	Create(ctx context.Context, order entities.AlipayOrder) (entities.AlipayOrder, error)
+	GetByID(ctx context.Context, id string) (entities.AlipayOrder, error)
+	GetByOutTradeNo(ctx context.Context, outTradeNo string) (*entities.AlipayOrder, error)
+	GetByRechargeID(ctx context.Context, rechargeID string) (*entities.AlipayOrder, error)
+	GetByUserID(ctx context.Context, userID string) ([]entities.AlipayOrder, error)
+	Update(ctx context.Context, order entities.AlipayOrder) error
+	UpdateStatus(ctx context.Context, id string, status entities.AlipayOrderStatus) error
+	Delete(ctx context.Context, id string) error
+	Exists(ctx context.Context, id string) (bool, error)
+}

internal/domains/finance/repositories/invoice_application_repository.go

@@ -0,0 +1,26 @@
+package repositories
+
+import (
+	"context"
+	"time"
+
+	"hyapi-server/internal/domains/finance/entities"
+)
+
+// InvoiceApplicationRepository 发票申请仓储接口
+type InvoiceApplicationRepository interface {
+	Create(ctx context.Context, application *entities.InvoiceApplication) error
+	Update(ctx context.Context, application *entities.InvoiceApplication) error
+	Save(ctx context.Context, application *entities.InvoiceApplication) error
+	FindByID(ctx context.Context, id string) (*entities.InvoiceApplication, error)
+	FindByUserID(ctx context.Context, userID string, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+	FindPendingApplications(ctx context.Context, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+	FindByStatus(ctx context.Context, status entities.ApplicationStatus) ([]*entities.InvoiceApplication, error)
+	FindByUserIDAndStatus(ctx context.Context, userID string, status entities.ApplicationStatus, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+	FindByUserIDAndStatusWithTimeRange(ctx context.Context, userID string, status entities.ApplicationStatus, startTime, endTime *time.Time, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+	FindByStatusWithTimeRange(ctx context.Context, status entities.ApplicationStatus, startTime, endTime *time.Time, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+	FindAllWithTimeRange(ctx context.Context, startTime, endTime *time.Time, page, pageSize int) ([]*entities.InvoiceApplication, int64, error)
+
+	GetUserTotalInvoicedAmount(ctx context.Context, userID string) (string, error)
+	GetUserTotalAppliedAmount(ctx context.Context, userID string) (string, error)
+}

internal/domains/finance/repositories/purchase_order_repository_interface.go

@@ -0,0 +1,63 @@
+package repositories
+
+import (
+	"context"
+	"time"
+
+	finance_entities "hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/shared/interfaces"
+)
+
+// PurchaseOrderRepository 购买订单仓储接口
+type PurchaseOrderRepository interface {
+	// 创建订单
+	Create(ctx context.Context, order *finance_entities.PurchaseOrder) (*finance_entities.PurchaseOrder, error)
+
+	// 更新订单
+	Update(ctx context.Context, order *finance_entities.PurchaseOrder) error
+
+	// 根据ID获取订单
+	GetByID(ctx context.Context, id string) (*finance_entities.PurchaseOrder, error)
+
+	// 根据订单号获取订单
+	GetByOrderNo(ctx context.Context, orderNo string) (*finance_entities.PurchaseOrder, error)
+
+	// 根据用户ID获取订单列表
+	GetByUserID(ctx context.Context, userID string, limit, offset int) ([]*finance_entities.PurchaseOrder, int64, error)
+
+	// 根据产品ID和用户ID获取订单
+	GetByUserIDAndProductID(ctx context.Context, userID, productID string) (*finance_entities.PurchaseOrder, error)
+
+	// 根据支付类型和第三方交易号获取订单
+	GetByPaymentTypeAndTransactionID(ctx context.Context, paymentType, transactionID string) (*finance_entities.PurchaseOrder, error)
+
+	// 根据交易号获取订单
+	GetByTradeNo(ctx context.Context, tradeNo string) (*finance_entities.PurchaseOrder, error)
+
+	// 更新支付状态
+	UpdatePaymentStatus(ctx context.Context, orderID string, status finance_entities.PurchaseOrderStatus, tradeNo *string, payAmount, receiptAmount *string, paymentTime *time.Time) error
+
+	// 获取用户已购买的产品编号列表
+	GetUserPurchasedProductCodes(ctx context.Context, userID string) ([]string, error)
+
+	// 检查用户是否已购买指定产品
+	HasUserPurchased(ctx context.Context, userID string, productCode string) (bool, error)
+
+	// 获取即将过期的订单（用于清理）
+	GetExpiringOrders(ctx context.Context, before time.Time, limit int) ([]*finance_entities.PurchaseOrder, error)
+
+	// 获取已过期订单（用于清理）
+	GetExpiredOrders(ctx context.Context, limit int) ([]*finance_entities.PurchaseOrder, error)
+
+	// 获取用户已支付的产品ID列表
+	GetUserPaidProductIDs(ctx context.Context, userID string) ([]string, error)
+
+	// 根据状态获取订单列表
+	GetByStatus(ctx context.Context, status finance_entities.PurchaseOrderStatus, limit, offset int) ([]*finance_entities.PurchaseOrder, int64, error)
+
+	// 根据筛选条件获取订单列表
+	GetByFilters(ctx context.Context, filters map[string]interface{}, options interfaces.ListOptions) ([]*finance_entities.PurchaseOrder, error)
+
+	// 根据筛选条件统计订单数量
+	CountByFilters(ctx context.Context, filters map[string]interface{}) (int64, error)
+}

internal/domains/finance/repositories/queries/finance_queries.go

@@ -0,0 +1,24 @@
+package queries
+
+// ListWalletsQuery 钱包列表查询参数
+type ListWalletsQuery struct {
+	Page          int    `json:"page"`
+	PageSize      int    `json:"page_size"`
+	UserID        string `json:"user_id"`
+	WalletType    string `json:"wallet_type"`
+	WalletAddress string `json:"wallet_address"`
+	IsActive      *bool  `json:"is_active"`
+	StartDate     string `json:"start_date"`
+	EndDate       string `json:"end_date"`
+}
+
+// ListUserSecretsQuery 用户密钥列表查询参数
+type ListUserSecretsQuery struct {
+	Page       int    `json:"page"`
+	PageSize   int    `json:"page_size"`
+	UserID     string `json:"user_id"`
+	SecretType string `json:"secret_type"`
+	IsActive   *bool  `json:"is_active"`
+	StartDate  string `json:"start_date"`
+	EndDate    string `json:"end_date"`
+}

internal/domains/finance/repositories/recharge_record_repository_interface.go

@@ -0,0 +1,36 @@
+package repositories
+
+import (
+	"context"
+	"time"
+
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/shared/interfaces"
+)
+
+// RechargeRecordRepository 充值记录仓储接口
+type RechargeRecordRepository interface {
+	Create(ctx context.Context, record entities.RechargeRecord) (entities.RechargeRecord, error)
+	GetByID(ctx context.Context, id string) (entities.RechargeRecord, error)
+	GetByUserID(ctx context.Context, userID string) ([]entities.RechargeRecord, error)
+	GetByAlipayOrderID(ctx context.Context, alipayOrderID string) (*entities.RechargeRecord, error)
+	GetByTransferOrderID(ctx context.Context, transferOrderID string) (*entities.RechargeRecord, error)
+	Update(ctx context.Context, record entities.RechargeRecord) error
+	UpdateStatus(ctx context.Context, id string, status entities.RechargeStatus) error
+
+	// 管理员查询方法
+	List(ctx context.Context, options interfaces.ListOptions) ([]entities.RechargeRecord, error)
+	Count(ctx context.Context, options interfaces.CountOptions) (int64, error)
+
+	// 统计相关方法
+	GetTotalAmountByUserId(ctx context.Context, userId string) (float64, error)
+	GetTotalAmountByUserIdAndDateRange(ctx context.Context, userId string, startDate, endDate time.Time) (float64, error)
+	GetDailyStatsByUserId(ctx context.Context, userId string, startDate, endDate time.Time) ([]map[string]interface{}, error)
+	GetMonthlyStatsByUserId(ctx context.Context, userId string, startDate, endDate time.Time) ([]map[string]interface{}, error)
+
+	// 系统级别统计方法
+	GetSystemTotalAmount(ctx context.Context) (float64, error)
+	GetSystemAmountByDateRange(ctx context.Context, startDate, endDate time.Time) (float64, error)
+	GetSystemDailyStats(ctx context.Context, startDate, endDate time.Time) ([]map[string]interface{}, error)
+	GetSystemMonthlyStats(ctx context.Context, startDate, endDate time.Time) ([]map[string]interface{}, error)
+}

internal/domains/finance/repositories/user_invoice_info_repository.go

@@ -0,0 +1,30 @@
+package repositories
+
+import (
+	"context"
+	"hyapi-server/internal/domains/finance/entities"
+)
+
+// UserInvoiceInfoRepository 用户开票信息仓储接口
+type UserInvoiceInfoRepository interface {
+	// Create 创建用户开票信息
+	Create(ctx context.Context, info *entities.UserInvoiceInfo) error
+
+	// Update 更新用户开票信息
+	Update(ctx context.Context, info *entities.UserInvoiceInfo) error
+
+	// Save 保存用户开票信息（创建或更新）
+	Save(ctx context.Context, info *entities.UserInvoiceInfo) error
+
+	// FindByUserID 根据用户ID查找开票信息
+	FindByUserID(ctx context.Context, userID string) (*entities.UserInvoiceInfo, error)
+
+	// FindByID 根据ID查找开票信息
+	FindByID(ctx context.Context, id string) (*entities.UserInvoiceInfo, error)
+
+	// Delete 删除用户开票信息
+	Delete(ctx context.Context, userID string) error
+
+	// Exists 检查用户开票信息是否存在
+	Exists(ctx context.Context, userID string) (bool, error)
+}

internal/domains/finance/repositories/wallet_repository_interface.go

@@ -0,0 +1,41 @@
+package repositories
+
+import (
+	"context"
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/shared/interfaces"
+
+	"github.com/shopspring/decimal"
+)
+
+// FinanceStats 财务统计信息
+type FinanceStats struct {
+	TotalWallets      int64
+	ActiveWallets     int64
+	TotalBalance      string
+	TodayTransactions int64
+}
+
+// WalletRepository 钱包仓储接口
+// 只保留核心方法，聚合服务负责业务规则
+// 业务操作只保留乐观锁更新和基础更新
+
+type WalletRepository interface {
+	interfaces.Repository[entities.Wallet]
+
+	// 基础查询
+	GetByUserID(ctx context.Context, userID string) (*entities.Wallet, error)
+
+	// 乐观锁更新（自动重试）
+	UpdateBalanceWithVersion(ctx context.Context, walletID string, amount decimal.Decimal, operation string) (bool, error)
+	// 乐观锁更新（通过用户ID直接更新，避免重复查询）
+	UpdateBalanceByUserID(ctx context.Context, userID string, amount decimal.Decimal, operation string) (bool, error)
+
+	// 状态操作
+	ActivateWallet(ctx context.Context, walletID string) error
+	DeactivateWallet(ctx context.Context, walletID string) error
+
+	// 统计
+	GetStats(ctx context.Context) (*FinanceStats, error)
+	GetUserWalletStats(ctx context.Context, userID string) (*FinanceStats, error)
+}

internal/domains/finance/repositories/wallet_transaction_repository_interface.go

@@ -0,0 +1,48 @@
+package repositories
+
+import (
+	"context"
+	"time"
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/shared/interfaces"
+)
+
+// WalletTransactionRepository 钱包扣款记录仓储接口
+type WalletTransactionRepository interface {
+	interfaces.Repository[entities.WalletTransaction]
+
+	// 基础查询
+	GetByUserID(ctx context.Context, userID string, limit, offset int) ([]*entities.WalletTransaction, error)
+	GetByApiCallID(ctx context.Context, apiCallID string) (*entities.WalletTransaction, error)
+
+	// 新增：分页查询用户钱包交易记录
+	ListByUserId(ctx context.Context, userId string, options interfaces.ListOptions) ([]*entities.WalletTransaction, int64, error)
+
+	// 新增：根据条件筛选钱包交易记录
+	ListByUserIdWithFilters(ctx context.Context, userId string, filters map[string]interface{}, options interfaces.ListOptions) ([]*entities.WalletTransaction, int64, error)
+
+	// 新增：根据条件筛选钱包交易记录（包含产品名称）
+	ListByUserIdWithFiltersAndProductName(ctx context.Context, userId string, filters map[string]interface{}, options interfaces.ListOptions) (map[string]string, []*entities.WalletTransaction, int64, error)
+
+	// 新增：统计用户钱包交易次数
+	CountByUserId(ctx context.Context, userId string) (int64, error)
+
+	// 统计相关方法
+	CountByUserIdAndDateRange(ctx context.Context, userId string, startDate, endDate time.Time) (int64, error)
+	GetTotalAmountByUserId(ctx context.Context, userId string) (float64, error)
+	GetTotalAmountByUserIdAndDateRange(ctx context.Context, userId string, startDate, endDate time.Time) (float64, error)
+	GetDailyStatsByUserId(ctx context.Context, userId string, startDate, endDate time.Time) ([]map[string]interface{}, error)
+	GetMonthlyStatsByUserId(ctx context.Context, userId string, startDate, endDate time.Time) ([]map[string]interface{}, error)
+
+	// 管理端：根据条件筛选所有钱包交易记录（包含产品名称）
+	ListWithFiltersAndProductName(ctx context.Context, filters map[string]interface{}, options interfaces.ListOptions) (map[string]string, []*entities.WalletTransaction, int64, error)
+
+	// 管理端：导出钱包交易记录（包含产品名称和企业信息）
+	ExportWithFiltersAndProductName(ctx context.Context, filters map[string]interface{}) ([]*entities.WalletTransaction, error)
+
+	// 系统级别统计方法
+	GetSystemTotalAmount(ctx context.Context) (float64, error)
+	GetSystemAmountByDateRange(ctx context.Context, startDate, endDate time.Time) (float64, error)
+	GetSystemDailyStats(ctx context.Context, startDate, endDate time.Time) ([]map[string]interface{}, error)
+	GetSystemMonthlyStats(ctx context.Context, startDate, endDate time.Time) ([]map[string]interface{}, error)
+}

internal/domains/finance/repositories/wechat_order_repository_interface.go

@@ -0,0 +1,20 @@
+package repositories
+
+import (
+	"context"
+
+	"hyapi-server/internal/domains/finance/entities"
+)
+
+// WechatOrderRepository 微信订单仓储接口
+type WechatOrderRepository interface {
+	Create(ctx context.Context, order entities.WechatOrder) (entities.WechatOrder, error)
+	GetByID(ctx context.Context, id string) (entities.WechatOrder, error)
+	GetByOutTradeNo(ctx context.Context, outTradeNo string) (*entities.WechatOrder, error)
+	GetByRechargeID(ctx context.Context, rechargeID string) (*entities.WechatOrder, error)
+	GetByUserID(ctx context.Context, userID string) ([]entities.WechatOrder, error)
+	Update(ctx context.Context, order entities.WechatOrder) error
+	UpdateStatus(ctx context.Context, id string, status entities.WechatOrderStatus) error
+	Delete(ctx context.Context, id string) error
+	Exists(ctx context.Context, id string) (bool, error)
+}

internal/domains/finance/services/balance_alert_service.go

@@ -0,0 +1,236 @@
+package services
+
+import (
+	"context"
+	"fmt"
+	"time"
+
+	"github.com/shopspring/decimal"
+	"go.uber.org/zap"
+
+	"hyapi-server/internal/config"
+	"hyapi-server/internal/domains/api/entities"
+	api_repositories "hyapi-server/internal/domains/api/repositories"
+	user_repositories "hyapi-server/internal/domains/user/repositories"
+	"hyapi-server/internal/infrastructure/external/notification"
+	"hyapi-server/internal/infrastructure/external/sms"
+)
+
+// BalanceAlertService 余额预警服务接口
+type BalanceAlertService interface {
+	CheckAndSendAlert(ctx context.Context, userID string, balance decimal.Decimal) error
+}
+
+// BalanceAlertServiceImpl 余额预警服务实现
+type BalanceAlertServiceImpl struct {
+	apiUserRepo         api_repositories.ApiUserRepository
+	userRepo            user_repositories.UserRepository
+	enterpriseInfoRepo  user_repositories.EnterpriseInfoRepository
+	smsService          sms.SMSSender
+	config              *config.Config
+	logger              *zap.Logger
+	wechatWorkService   *notification.WeChatWorkService
+}
+
+// NewBalanceAlertService 创建余额预警服务
+func NewBalanceAlertService(
+	apiUserRepo api_repositories.ApiUserRepository,
+	userRepo user_repositories.UserRepository,
+	enterpriseInfoRepo user_repositories.EnterpriseInfoRepository,
+	smsService sms.SMSSender,
+	config *config.Config,
+	logger *zap.Logger,
+) BalanceAlertService {
+	var wechatSvc *notification.WeChatWorkService
+	if config != nil && config.WechatWork.WebhookURL != "" {
+		wechatSvc = notification.NewWeChatWorkService(config.WechatWork.WebhookURL, config.WechatWork.Secret, logger)
+	}
+	return &BalanceAlertServiceImpl{
+		apiUserRepo:        apiUserRepo,
+		userRepo:           userRepo,
+		enterpriseInfoRepo: enterpriseInfoRepo,
+		smsService:         smsService,
+		config:             config,
+		logger:             logger,
+		wechatWorkService:  wechatSvc,
+	}
+}
+
+// CheckAndSendAlert 检查余额并发送预警
+func (s *BalanceAlertServiceImpl) CheckAndSendAlert(ctx context.Context, userID string, balance decimal.Decimal) error {
+	// 1. 获取API用户信息
+	apiUser, err := s.apiUserRepo.FindByUserId(ctx, userID)
+	if err != nil {
+		s.logger.Error("获取API用户信息失败",
+			zap.String("user_id", userID),
+			zap.Error(err))
+		return fmt.Errorf("获取API用户信息失败: %w", err)
+	}
+
+	if apiUser == nil {
+		s.logger.Debug("API用户不存在，跳过余额预警检查", zap.String("user_id", userID))
+		return nil
+	}
+
+	// 2. 兼容性处理：如果API用户没有配置预警信息，从用户表获取并更新
+	needUpdate := false
+	if apiUser.AlertPhone == "" {
+		user, err := s.userRepo.GetByID(ctx, userID)
+		if err != nil {
+			s.logger.Error("获取用户信息失败",
+				zap.String("user_id", userID),
+				zap.Error(err))
+			return fmt.Errorf("获取用户信息失败: %w", err)
+		}
+		if user.Phone != "" {
+			apiUser.AlertPhone = user.Phone
+			needUpdate = true
+		}
+	}
+
+	// 3. 兼容性处理：如果API用户没有配置预警阈值，使用默认值
+	if apiUser.BalanceAlertThreshold == 0 {
+		apiUser.BalanceAlertThreshold = s.config.Wallet.BalanceAlert.DefaultThreshold
+		needUpdate = true
+	}
+
+	// 4. 如果需要更新API用户信息，保存到数据库
+	if needUpdate {
+		if err := s.apiUserRepo.Update(ctx, apiUser); err != nil {
+			s.logger.Error("更新API用户预警配置失败",
+				zap.String("user_id", userID),
+				zap.Error(err))
+			// 不返回错误，继续执行预警检查
+		}
+	}
+
+	balanceFloat, _ := balance.Float64()
+
+	// 5. 检查是否需要发送欠费预警（不受冷却期限制）
+	if apiUser.ShouldSendArrearsAlert(balanceFloat) {
+		if err := s.sendArrearsAlert(ctx, apiUser, balanceFloat); err != nil {
+			s.logger.Error("发送欠费预警失败",
+				zap.String("user_id", userID),
+				zap.Error(err))
+			return err
+		}
+		// 欠费预警不受冷却期限制，不需要更新LastArrearsAlert时间
+		return nil
+	}
+
+	// 6. 检查是否需要发送低余额预警
+	if apiUser.ShouldSendLowBalanceAlert(balanceFloat) {
+		if err := s.sendLowBalanceAlert(ctx, apiUser, balanceFloat); err != nil {
+			s.logger.Error("发送低余额预警失败",
+				zap.String("user_id", userID),
+				zap.Error(err))
+			return err
+		}
+		// 标记预警已发送
+		apiUser.MarkLowBalanceAlertSent()
+		if err := s.apiUserRepo.Update(ctx, apiUser); err != nil {
+			s.logger.Error("更新API用户预警时间失败",
+				zap.String("user_id", userID),
+				zap.Error(err))
+		}
+	}
+
+	return nil
+}
+
+// sendArrearsAlert 发送欠费预警
+func (s *BalanceAlertServiceImpl) sendArrearsAlert(ctx context.Context, apiUser *entities.ApiUser, balance float64) error {
+	// 直接从企业信息表获取企业名称
+	enterpriseInfo, err := s.enterpriseInfoRepo.GetByUserID(ctx, apiUser.UserId)
+	if err != nil {
+		s.logger.Error("获取企业信息失败",
+			zap.String("user_id", apiUser.UserId),
+			zap.Error(err))
+		// 如果获取企业信息失败，使用默认名称
+		return s.smsService.SendBalanceAlert(ctx, apiUser.AlertPhone, balance, 0, "arrears", "海宇数据用户")
+	}
+
+	// 获取企业名称，如果没有则使用默认名称
+	enterpriseName := "海宇数据用户"
+	if enterpriseInfo != nil && enterpriseInfo.CompanyName != "" {
+		enterpriseName = enterpriseInfo.CompanyName
+	}
+
+	s.logger.Info("发送欠费预警短信",
+		zap.String("user_id", apiUser.UserId),
+		zap.String("phone", apiUser.AlertPhone),
+		zap.Float64("balance", balance),
+		zap.String("enterprise_name", enterpriseName))
+
+	if err := s.smsService.SendBalanceAlert(ctx, apiUser.AlertPhone, balance, 0, "arrears", enterpriseName); err != nil {
+		return err
+	}
+
+	// 企业微信欠费告警通知（仅展示企业名称和联系手机）
+	if s.wechatWorkService != nil {
+		content := fmt.Sprintf(
+			"### 【海宇数据】用户余额欠费告警\n"+
+				"<font color=\"warning\">该企业已发生欠费，请及时联系并处理。</font>\n"+
+				"> 企业名称：%s\n"+
+				"> 联系手机：%s\n"+
+				"> 当前余额：%.2f 元\n"+
+				"> 时间：%s\n",
+			enterpriseName,
+			apiUser.AlertPhone,
+			balance,
+			time.Now().Format("2006-01-02 15:04:05"),
+		)
+		_ = s.wechatWorkService.SendMarkdownMessage(ctx, content)
+	}
+	return nil
+}
+
+// sendLowBalanceAlert 发送低余额预警
+func (s *BalanceAlertServiceImpl) sendLowBalanceAlert(ctx context.Context, apiUser *entities.ApiUser, balance float64) error {
+	// 直接从企业信息表获取企业名称
+	enterpriseInfo, err := s.enterpriseInfoRepo.GetByUserID(ctx, apiUser.UserId)
+	if err != nil {
+		s.logger.Error("获取企业信息失败",
+			zap.String("user_id", apiUser.UserId),
+			zap.Error(err))
+		// 如果获取企业信息失败，使用默认名称
+		return s.smsService.SendBalanceAlert(ctx, apiUser.AlertPhone, balance, apiUser.BalanceAlertThreshold, "low_balance", "海宇数据用户")
+	}
+
+	// 获取企业名称，如果没有则使用默认名称
+	enterpriseName := "海宇数据用户"
+	if enterpriseInfo != nil && enterpriseInfo.CompanyName != "" {
+		enterpriseName = enterpriseInfo.CompanyName
+	}
+
+	s.logger.Info("发送低余额预警短信",
+		zap.String("user_id", apiUser.UserId),
+		zap.String("phone", apiUser.AlertPhone),
+		zap.Float64("balance", balance),
+		zap.Float64("threshold", apiUser.BalanceAlertThreshold),
+		zap.String("enterprise_name", enterpriseName))
+
+	if err := s.smsService.SendBalanceAlert(ctx, apiUser.AlertPhone, balance, apiUser.BalanceAlertThreshold, "low_balance", enterpriseName); err != nil {
+		return err
+	}
+
+	// 企业微信余额预警通知（仅展示企业名称和联系手机）
+	if s.wechatWorkService != nil {
+		content := fmt.Sprintf(
+			"### 【海宇数据】用户余额预警\n"+
+				"<font color=\"warning\">用户余额已低于预警阈值，请及时跟进。</font>\n"+
+				"> 企业名称：%s\n"+
+				"> 联系手机：%s\n"+
+				"> 当前余额：%.2f 元\n"+
+				"> 预警阈值：%.2f 元\n"+
+				"> 时间：%s\n",
+			enterpriseName,
+			apiUser.AlertPhone,
+			balance,
+			apiUser.BalanceAlertThreshold,
+			time.Now().Format("2006-01-02 15:04:05"),
+		)
+		_ = s.wechatWorkService.SendMarkdownMessage(ctx, content)
+	}
+	return nil
+}

internal/domains/finance/services/invoice_aggregate_service.go

@@ -0,0 +1,277 @@
+package services
+
+import (
+	"context"
+	"fmt"
+	"io"
+	"mime/multipart"
+	"time"
+
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/domains/finance/events"
+	"hyapi-server/internal/domains/finance/repositories"
+	"hyapi-server/internal/domains/finance/value_objects"
+
+	"hyapi-server/internal/infrastructure/external/storage"
+
+	"github.com/shopspring/decimal"
+	"go.uber.org/zap"
+)
+
+// ApplyInvoiceRequest 申请开票请求
+type ApplyInvoiceRequest struct {
+	InvoiceType value_objects.InvoiceType  `json:"invoice_type" binding:"required"`
+	Amount      string                     `json:"amount" binding:"required"`
+	InvoiceInfo *value_objects.InvoiceInfo `json:"invoice_info" binding:"required"`
+}
+
+// ApproveInvoiceRequest 通过发票申请请求
+type ApproveInvoiceRequest struct {
+	AdminNotes string `json:"admin_notes"`
+}
+
+// RejectInvoiceRequest 拒绝发票申请请求
+type RejectInvoiceRequest struct {
+	Reason string `json:"reason" binding:"required"`
+}
+
+// InvoiceAggregateService 发票聚合服务接口
+// 职责：协调发票申请聚合根的生命周期，调用领域服务进行业务规则验证，发布领域事件
+type InvoiceAggregateService interface {
+	// 申请开票
+	ApplyInvoice(ctx context.Context, userID string, req ApplyInvoiceRequest) (*entities.InvoiceApplication, error)
+
+	// 通过发票申请（上传发票）
+	ApproveInvoiceApplication(ctx context.Context, applicationID string, file multipart.File, req ApproveInvoiceRequest) error
+
+	// 拒绝发票申请
+	RejectInvoiceApplication(ctx context.Context, applicationID string, req RejectInvoiceRequest) error
+}
+
+// InvoiceAggregateServiceImpl 发票聚合服务实现
+type InvoiceAggregateServiceImpl struct {
+	applicationRepo     repositories.InvoiceApplicationRepository
+	userInvoiceInfoRepo repositories.UserInvoiceInfoRepository
+	domainService       InvoiceDomainService
+	qiniuStorageService *storage.QiNiuStorageService
+	logger              *zap.Logger
+	eventPublisher      EventPublisher
+}
+
+// EventPublisher 事件发布器接口
+type EventPublisher interface {
+	PublishInvoiceApplicationCreated(ctx context.Context, event *events.InvoiceApplicationCreatedEvent) error
+	PublishInvoiceApplicationApproved(ctx context.Context, event *events.InvoiceApplicationApprovedEvent) error
+	PublishInvoiceApplicationRejected(ctx context.Context, event *events.InvoiceApplicationRejectedEvent) error
+	PublishInvoiceFileUploaded(ctx context.Context, event *events.InvoiceFileUploadedEvent) error
+}
+
+// NewInvoiceAggregateService 创建发票聚合服务
+func NewInvoiceAggregateService(
+	applicationRepo repositories.InvoiceApplicationRepository,
+	userInvoiceInfoRepo repositories.UserInvoiceInfoRepository,
+	domainService InvoiceDomainService,
+	qiniuStorageService *storage.QiNiuStorageService,
+	logger *zap.Logger,
+	eventPublisher EventPublisher,
+) InvoiceAggregateService {
+	return &InvoiceAggregateServiceImpl{
+		applicationRepo:     applicationRepo,
+		userInvoiceInfoRepo: userInvoiceInfoRepo,
+		domainService:       domainService,
+		qiniuStorageService: qiniuStorageService,
+		logger:              logger,
+		eventPublisher:      eventPublisher,
+	}
+}
+
+// ApplyInvoice 申请开票
+func (s *InvoiceAggregateServiceImpl) ApplyInvoice(ctx context.Context, userID string, req ApplyInvoiceRequest) (*entities.InvoiceApplication, error) {
+	// 1. 解析金额
+	amount, err := decimal.NewFromString(req.Amount)
+	if err != nil {
+		return nil, fmt.Errorf("无效的金额格式: %w", err)
+	}
+
+	// 2. 验证发票信息
+	if err := s.domainService.ValidateInvoiceInfo(ctx, req.InvoiceInfo, req.InvoiceType); err != nil {
+		return nil, fmt.Errorf("发票信息验证失败: %w", err)
+	}
+
+	// 3. 获取用户开票信息
+	userInvoiceInfo, err := s.userInvoiceInfoRepo.FindByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("获取用户开票信息失败: %w", err)
+	}
+	if userInvoiceInfo == nil {
+		return nil, fmt.Errorf("用户开票信息不存在")
+	}
+
+	// 4. 创建发票申请聚合根
+	application := entities.NewInvoiceApplication(userID, req.InvoiceType, amount, userInvoiceInfo.ID)
+
+	// 5. 设置开票信息快照
+	application.SetInvoiceInfoSnapshot(req.InvoiceInfo)
+
+	// 6. 验证聚合根业务规则
+	if err := s.domainService.ValidateInvoiceApplication(ctx, application); err != nil {
+		return nil, fmt.Errorf("发票申请业务规则验证失败: %w", err)
+	}
+
+	// 7. 保存聚合根
+	if err := s.applicationRepo.Create(ctx, application); err != nil {
+		return nil, fmt.Errorf("保存发票申请失败: %w", err)
+	}
+
+	// 8. 发布领域事件
+	event := events.NewInvoiceApplicationCreatedEvent(
+		application.ID,
+		application.UserID,
+		application.InvoiceType,
+		application.Amount,
+		application.CompanyName,
+		application.ReceivingEmail,
+	)
+
+	if err := s.eventPublisher.PublishInvoiceApplicationCreated(ctx, event); err != nil {
+		// 记录错误但不影响主流程
+		fmt.Printf("发布发票申请创建事件失败: %v\n", err)
+	}
+
+	return application, nil
+}
+
+// ApproveInvoiceApplication 通过发票申请（上传发票）
+func (s *InvoiceAggregateServiceImpl) ApproveInvoiceApplication(ctx context.Context, applicationID string, file multipart.File, req ApproveInvoiceRequest) error {
+	// 1. 获取发票申请
+	application, err := s.applicationRepo.FindByID(ctx, applicationID)
+	if err != nil {
+		return fmt.Errorf("获取发票申请失败: %w", err)
+	}
+	if application == nil {
+		return fmt.Errorf("发票申请不存在")
+	}
+
+	// 2. 验证状态转换
+	if err := s.domainService.ValidateStatusTransition(application.Status, entities.ApplicationStatusCompleted); err != nil {
+		return fmt.Errorf("状态转换验证失败: %w", err)
+	}
+
+	// 3. 处理文件上传
+	// 读取文件内容
+	fileBytes, err := io.ReadAll(file)
+	if err != nil {
+		s.logger.Error("读取上传文件失败", zap.Error(err))
+		return fmt.Errorf("读取上传文件失败: %w", err)
+	}
+
+	// 生成文件名（使用时间戳确保唯一性）
+	fileName := fmt.Sprintf("invoice_%s_%d.pdf", applicationID, time.Now().Unix())
+
+	// 上传文件到七牛云
+	uploadResult, err := s.qiniuStorageService.UploadFile(ctx, fileBytes, fileName)
+	if err != nil {
+		s.logger.Error("上传发票文件到七牛云失败", zap.String("file_name", fileName), zap.Error(err))
+		return fmt.Errorf("上传发票文件到七牛云失败: %w", err)
+	}
+
+	// 从上传结果获取文件信息
+	fileID := uploadResult.Key
+	fileURL := uploadResult.URL
+	fileSize := uploadResult.Size
+
+	// 4. 更新聚合根状态
+	application.MarkCompleted("admin_user_id")
+	application.SetFileInfo(fileID, fileName, fileURL, fileSize)
+	application.AdminNotes = &req.AdminNotes
+
+	// 5. 保存聚合根
+	if err := s.applicationRepo.Update(ctx, application); err != nil {
+		return fmt.Errorf("更新发票申请失败: %w", err)
+	}
+
+	// 6. 发布领域事件
+	approvedEvent := events.NewInvoiceApplicationApprovedEvent(
+		application.ID,
+		application.UserID,
+		application.Amount,
+		application.ReceivingEmail,
+	)
+
+	if err := s.eventPublisher.PublishInvoiceApplicationApproved(ctx, approvedEvent); err != nil {
+		s.logger.Error("发布发票申请通过事件失败",
+			zap.String("application_id", applicationID),
+			zap.Error(err),
+		)
+		// 事件发布失败不影响主流程，只记录日志
+	} else {
+		s.logger.Info("发票申请通过事件发布成功",
+			zap.String("application_id", applicationID),
+		)
+	}
+
+	fileUploadedEvent := events.NewInvoiceFileUploadedEvent(
+		application.ID,
+		application.UserID,
+		fileID,
+		fileName,
+		fileURL,
+		application.ReceivingEmail,
+		application.CompanyName,
+		application.Amount,
+		application.InvoiceType,
+	)
+
+	if err := s.eventPublisher.PublishInvoiceFileUploaded(ctx, fileUploadedEvent); err != nil {
+		s.logger.Error("发布发票文件上传事件失败",
+			zap.String("application_id", applicationID),
+			zap.Error(err),
+		)
+		// 事件发布失败不影响主流程，只记录日志
+	} else {
+		s.logger.Info("发票文件上传事件发布成功",
+			zap.String("application_id", applicationID),
+		)
+	}
+
+	return nil
+}
+
+// RejectInvoiceApplication 拒绝发票申请
+func (s *InvoiceAggregateServiceImpl) RejectInvoiceApplication(ctx context.Context, applicationID string, req RejectInvoiceRequest) error {
+	// 1. 获取发票申请
+	application, err := s.applicationRepo.FindByID(ctx, applicationID)
+	if err != nil {
+		return fmt.Errorf("获取发票申请失败: %w", err)
+	}
+	if application == nil {
+		return fmt.Errorf("发票申请不存在")
+	}
+
+	// 2. 验证状态转换
+	if err := s.domainService.ValidateStatusTransition(application.Status, entities.ApplicationStatusRejected); err != nil {
+		return fmt.Errorf("状态转换验证失败: %w", err)
+	}
+
+	// 3. 更新聚合根状态
+	application.MarkRejected(req.Reason, "admin_user_id")
+
+	// 4. 保存聚合根
+	if err := s.applicationRepo.Update(ctx, application); err != nil {
+		return fmt.Errorf("更新发票申请失败: %w", err)
+	}
+
+	// 5. 发布领域事件
+	event := events.NewInvoiceApplicationRejectedEvent(
+		application.ID,
+		application.UserID,
+		req.Reason,
+		application.ReceivingEmail,
+	)
+
+	if err := s.eventPublisher.PublishInvoiceApplicationRejected(ctx, event); err != nil {
+		fmt.Printf("发布发票申请拒绝事件失败: %v\n", err)
+	}
+
+	return nil
+}

internal/domains/finance/services/invoice_domain_service.go

@@ -0,0 +1,152 @@
+package services
+
+import (
+	"context"
+	"errors"
+	"fmt"
+
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/domains/finance/value_objects"
+
+	"github.com/shopspring/decimal"
+)
+
+// InvoiceDomainService 发票领域服务接口
+// 职责：处理发票领域的业务规则和计算逻辑，不涉及外部依赖
+type InvoiceDomainService interface {
+	// 验证发票信息完整性
+	ValidateInvoiceInfo(ctx context.Context, info *value_objects.InvoiceInfo, invoiceType value_objects.InvoiceType) error
+
+	// 验证开票金额是否合法（基于业务规则）
+	ValidateInvoiceAmount(ctx context.Context, amount decimal.Decimal, availableAmount decimal.Decimal) error
+
+	// 计算可开票金额（纯计算逻辑）
+	CalculateAvailableAmount(totalRecharged decimal.Decimal, totalGifted decimal.Decimal, totalInvoiced decimal.Decimal) decimal.Decimal
+
+	// 验证发票申请状态转换
+	ValidateStatusTransition(currentStatus entities.ApplicationStatus, targetStatus entities.ApplicationStatus) error
+
+	// 验证发票申请业务规则
+	ValidateInvoiceApplication(ctx context.Context, application *entities.InvoiceApplication) error
+}
+
+// InvoiceDomainServiceImpl 发票领域服务实现
+type InvoiceDomainServiceImpl struct {
+	// 领域服务不依赖仓储，只处理业务规则
+}
+
+// NewInvoiceDomainService 创建发票领域服务
+func NewInvoiceDomainService() InvoiceDomainService {
+	return &InvoiceDomainServiceImpl{}
+}
+
+// ValidateInvoiceInfo 验证发票信息完整性
+func (s *InvoiceDomainServiceImpl) ValidateInvoiceInfo(ctx context.Context, info *value_objects.InvoiceInfo, invoiceType value_objects.InvoiceType) error {
+	if info == nil {
+		return errors.New("发票信息不能为空")
+	}
+
+	switch invoiceType {
+	case value_objects.InvoiceTypeGeneral:
+		return info.ValidateForGeneralInvoice()
+	case value_objects.InvoiceTypeSpecial:
+		return info.ValidateForSpecialInvoice()
+	default:
+		return errors.New("无效的发票类型")
+	}
+}
+
+// ValidateInvoiceAmount 验证开票金额是否合法（基于业务规则）
+func (s *InvoiceDomainServiceImpl) ValidateInvoiceAmount(ctx context.Context, amount decimal.Decimal, availableAmount decimal.Decimal) error {
+	if amount.LessThanOrEqual(decimal.Zero) {
+		return errors.New("开票金额必须大于0")
+	}
+
+	if amount.GreaterThan(availableAmount) {
+		return fmt.Errorf("开票金额不能超过可开票金额，可开票金额：%s", availableAmount.String())
+	}
+
+	// 最小开票金额限制
+	minAmount := decimal.NewFromFloat(0.01) // 最小0.01元
+	if amount.LessThan(minAmount) {
+		return fmt.Errorf("开票金额不能少于%s元", minAmount.String())
+	}
+
+	return nil
+}
+
+// CalculateAvailableAmount 计算可开票金额（纯计算逻辑）
+func (s *InvoiceDomainServiceImpl) CalculateAvailableAmount(totalRecharged decimal.Decimal, totalGifted decimal.Decimal, totalInvoiced decimal.Decimal) decimal.Decimal {
+	// 可开票金额 = 充值金额 - 已开票金额（不包含赠送金额）
+	availableAmount := totalRecharged.Sub(totalInvoiced)
+	if availableAmount.LessThan(decimal.Zero) {
+		availableAmount = decimal.Zero
+	}
+	return availableAmount
+}
+
+// ValidateStatusTransition 验证发票申请状态转换
+func (s *InvoiceDomainServiceImpl) ValidateStatusTransition(currentStatus entities.ApplicationStatus, targetStatus entities.ApplicationStatus) error {
+	// 定义允许的状态转换
+	allowedTransitions := map[entities.ApplicationStatus][]entities.ApplicationStatus{
+		entities.ApplicationStatusPending: {
+			entities.ApplicationStatusCompleted,
+			entities.ApplicationStatusRejected,
+		},
+		entities.ApplicationStatusCompleted: {
+			// 已完成状态不能再转换
+		},
+		entities.ApplicationStatusRejected: {
+			// 已拒绝状态不能再转换
+		},
+	}
+
+	allowedTargets, exists := allowedTransitions[currentStatus]
+	if !exists {
+		return fmt.Errorf("无效的当前状态：%s", currentStatus)
+	}
+
+	for _, allowed := range allowedTargets {
+		if allowed == targetStatus {
+			return nil
+		}
+	}
+
+	return fmt.Errorf("不允许从状态 %s 转换到状态 %s", currentStatus, targetStatus)
+}
+
+// ValidateInvoiceApplication 验证发票申请业务规则
+func (s *InvoiceDomainServiceImpl) ValidateInvoiceApplication(ctx context.Context, application *entities.InvoiceApplication) error {
+	if application == nil {
+		return errors.New("发票申请不能为空")
+	}
+
+	// 验证基础字段
+	if application.UserID == "" {
+		return errors.New("用户ID不能为空")
+	}
+
+	if application.Amount.LessThanOrEqual(decimal.Zero) {
+		return errors.New("申请金额必须大于0")
+	}
+
+	// 验证发票类型
+	if !application.InvoiceType.IsValid() {
+		return errors.New("无效的发票类型")
+	}
+
+	// 验证开票信息
+	if application.CompanyName == "" {
+		return errors.New("公司名称不能为空")
+	}
+
+	if application.TaxpayerID == "" {
+		return errors.New("纳税人识别号不能为空")
+	}
+
+	if application.ReceivingEmail == "" {
+		return errors.New("发票接收邮箱不能为空")
+	}
+
+	return nil
+}

internal/domains/finance/services/recharge_record_service.go

@@ -0,0 +1,426 @@
+package services
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"go.uber.org/zap"
+
+	"hyapi-server/internal/config"
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/domains/finance/repositories"
+	"hyapi-server/internal/shared/database"
+	"hyapi-server/internal/shared/interfaces"
+)
+
+// calculateAlipayRechargeBonus 计算支付宝充值赠送金额（受 recharge_bonus_enabled 开关控制）
+func calculateAlipayRechargeBonus(rechargeAmount decimal.Decimal, walletConfig *config.WalletConfig) decimal.Decimal {
+	if walletConfig == nil || !walletConfig.RechargeBonusEnabled || len(walletConfig.AliPayRechargeBonus) == 0 {
+		return decimal.Zero
+	}
+
+	// 按充值金额从高到低排序，找到第一个匹配的赠送规则
+	// 由于配置中规则是按充值金额从低到高排列的，我们需要反向遍历
+	for i := len(walletConfig.AliPayRechargeBonus) - 1; i >= 0; i-- {
+		rule := walletConfig.AliPayRechargeBonus[i]
+		if rechargeAmount.GreaterThanOrEqual(decimal.NewFromFloat(rule.RechargeAmount)) {
+			return decimal.NewFromFloat(rule.BonusAmount)
+		}
+	}
+
+	return decimal.Zero
+}
+
+// RechargeRecordService 充值记录服务接口
+type RechargeRecordService interface {
+	// 对公转账充值
+	TransferRecharge(ctx context.Context, userID string, amount decimal.Decimal, transferOrderID, notes string) (*entities.RechargeRecord, error)
+
+	// 赠送充值
+	GiftRecharge(ctx context.Context, userID string, amount decimal.Decimal, operatorID, notes string) (*entities.RechargeRecord, error)
+
+	// 支付宝充值
+	CreateAlipayRecharge(ctx context.Context, userID string, amount decimal.Decimal, alipayOrderID string) (*entities.RechargeRecord, error)
+	GetRechargeRecordByAlipayOrderID(ctx context.Context, alipayOrderID string) (*entities.RechargeRecord, error)
+
+	// 支付宝订单管理
+	CreateAlipayOrder(ctx context.Context, rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform string) error
+	HandleAlipayPaymentSuccess(ctx context.Context, outTradeNo string, amount decimal.Decimal, tradeNo string) error
+
+	// 通用查询
+	GetByID(ctx context.Context, id string) (*entities.RechargeRecord, error)
+	GetByUserID(ctx context.Context, userID string) ([]entities.RechargeRecord, error)
+	GetByTransferOrderID(ctx context.Context, transferOrderID string) (*entities.RechargeRecord, error)
+
+	// 管理员查询
+	GetAll(ctx context.Context, filters map[string]interface{}, options interfaces.ListOptions) ([]entities.RechargeRecord, error)
+	Count(ctx context.Context, filters map[string]interface{}) (int64, error)
+}
+
+// RechargeRecordServiceImpl 充值记录服务实现
+type RechargeRecordServiceImpl struct {
+	rechargeRecordRepo repositories.RechargeRecordRepository
+	alipayOrderRepo    repositories.AlipayOrderRepository
+	walletRepo         repositories.WalletRepository
+	walletService      WalletAggregateService
+	txManager          *database.TransactionManager
+	logger             *zap.Logger
+	cfg                *config.Config
+}
+
+func NewRechargeRecordService(
+	rechargeRecordRepo repositories.RechargeRecordRepository,
+	alipayOrderRepo repositories.AlipayOrderRepository,
+	walletRepo repositories.WalletRepository,
+	walletService WalletAggregateService,
+	txManager *database.TransactionManager,
+	logger *zap.Logger,
+	cfg *config.Config,
+) RechargeRecordService {
+	return &RechargeRecordServiceImpl{
+		rechargeRecordRepo: rechargeRecordRepo,
+		alipayOrderRepo:    alipayOrderRepo,
+		walletRepo:         walletRepo,
+		walletService:      walletService,
+		txManager:          txManager,
+		logger:             logger,
+		cfg:                cfg,
+	}
+}
+
+// TransferRecharge 对公转账充值
+func (s *RechargeRecordServiceImpl) TransferRecharge(ctx context.Context, userID string, amount decimal.Decimal, transferOrderID, notes string) (*entities.RechargeRecord, error) {
+	// 检查钱包是否存在
+	_, err := s.walletRepo.GetByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("钱包不存在")
+	}
+
+	// 检查转账订单号是否已存在
+	existingRecord, _ := s.rechargeRecordRepo.GetByTransferOrderID(ctx, transferOrderID)
+	if existingRecord != nil {
+		return nil, fmt.Errorf("转账订单号已存在")
+	}
+
+	var createdRecord entities.RechargeRecord
+
+	// 在事务中执行所有更新操作
+	err = s.txManager.ExecuteInTx(ctx, func(txCtx context.Context) error {
+		// 创建充值记录
+		rechargeRecord := entities.NewTransferRechargeRecord(userID, amount, transferOrderID, notes)
+		record, err := s.rechargeRecordRepo.Create(txCtx, *rechargeRecord)
+		if err != nil {
+			s.logger.Error("创建转账充值记录失败", zap.Error(err))
+			return err
+		}
+		createdRecord = record
+
+		// 使用钱包聚合服务更新钱包余额
+		err = s.walletService.Recharge(txCtx, userID, amount)
+		if err != nil {
+			return err
+		}
+
+		// 标记充值记录为成功
+		createdRecord.MarkSuccess()
+		err = s.rechargeRecordRepo.Update(txCtx, createdRecord)
+		if err != nil {
+			s.logger.Error("更新充值记录状态失败", zap.Error(err))
+			return err
+		}
+
+		return nil
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	s.logger.Info("对公转账充值成功",
+		zap.String("user_id", userID),
+		zap.String("amount", amount.String()),
+		zap.String("transfer_order_id", transferOrderID))
+
+	return &createdRecord, nil
+}
+
+// GiftRecharge 赠送充值
+func (s *RechargeRecordServiceImpl) GiftRecharge(ctx context.Context, userID string, amount decimal.Decimal, operatorID, notes string) (*entities.RechargeRecord, error) {
+	// 检查钱包是否存在
+	_, err := s.walletRepo.GetByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("钱包不存在")
+	}
+
+	var createdRecord entities.RechargeRecord
+
+	// 在事务中执行所有更新操作
+	err = s.txManager.ExecuteInTx(ctx, func(txCtx context.Context) error {
+		// 创建赠送充值记录
+		rechargeRecord := entities.NewGiftRechargeRecord(userID, amount, notes)
+		record, err := s.rechargeRecordRepo.Create(txCtx, *rechargeRecord)
+		if err != nil {
+			s.logger.Error("创建赠送充值记录失败", zap.Error(err))
+			return err
+		}
+		createdRecord = record
+
+		// 使用钱包聚合服务更新钱包余额
+		err = s.walletService.Recharge(txCtx, userID, amount)
+		if err != nil {
+			return err
+		}
+
+		return nil
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	s.logger.Info("赠送充值成功",
+		zap.String("user_id", userID),
+		zap.String("amount", amount.String()),
+		zap.String("notes", notes))
+
+	return &createdRecord, nil
+}
+
+// CreateAlipayRecharge 创建支付宝充值记录
+func (s *RechargeRecordServiceImpl) CreateAlipayRecharge(ctx context.Context, userID string, amount decimal.Decimal, alipayOrderID string) (*entities.RechargeRecord, error) {
+	// 检查钱包是否存在
+	_, err := s.walletRepo.GetByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("钱包不存在")
+	}
+
+	// 检查支付宝订单号是否已存在
+	existingRecord, _ := s.rechargeRecordRepo.GetByAlipayOrderID(ctx, alipayOrderID)
+	if existingRecord != nil {
+		return nil, fmt.Errorf("支付宝订单号已存在")
+	}
+
+	// 创建充值记录
+	rechargeRecord := entities.NewAlipayRechargeRecord(userID, amount, alipayOrderID)
+	createdRecord, err := s.rechargeRecordRepo.Create(ctx, *rechargeRecord)
+	if err != nil {
+		s.logger.Error("创建支付宝充值记录失败", zap.Error(err))
+		return nil, err
+	}
+
+	s.logger.Info("支付宝充值记录创建成功",
+		zap.String("user_id", userID),
+		zap.String("amount", amount.String()),
+		zap.String("alipay_order_id", alipayOrderID),
+		zap.String("recharge_id", createdRecord.ID))
+
+	return &createdRecord, nil
+}
+
+// CreateAlipayOrder 创建支付宝订单
+func (s *RechargeRecordServiceImpl) CreateAlipayOrder(ctx context.Context, rechargeID, outTradeNo, subject string, amount decimal.Decimal, platform string) error {
+	// 检查充值记录是否存在
+	_, err := s.rechargeRecordRepo.GetByID(ctx, rechargeID)
+	if err != nil {
+		s.logger.Error("充值记录不存在", zap.String("recharge_id", rechargeID), zap.Error(err))
+		return fmt.Errorf("充值记录不存在")
+	}
+
+	// 检查支付宝订单号是否已存在
+	existingOrder, _ := s.alipayOrderRepo.GetByOutTradeNo(ctx, outTradeNo)
+	if existingOrder != nil {
+		s.logger.Info("支付宝订单已存在，跳过重复创建", zap.String("out_trade_no", outTradeNo))
+		return nil
+	}
+
+	// 创建支付宝订单
+	alipayOrder := entities.NewAlipayOrder(rechargeID, outTradeNo, subject, amount, platform)
+	_, err = s.alipayOrderRepo.Create(ctx, *alipayOrder)
+	if err != nil {
+		s.logger.Error("创建支付宝订单失败", zap.Error(err))
+		return err
+	}
+
+	s.logger.Info("支付宝订单创建成功",
+		zap.String("recharge_id", rechargeID),
+		zap.String("out_trade_no", outTradeNo),
+		zap.String("subject", subject),
+		zap.String("amount", amount.String()),
+		zap.String("platform", platform))
+
+	return nil
+}
+
+// GetRechargeRecordByAlipayOrderID 根据支付宝订单号获取充值记录
+func (s *RechargeRecordServiceImpl) GetRechargeRecordByAlipayOrderID(ctx context.Context, alipayOrderID string) (*entities.RechargeRecord, error) {
+	return s.rechargeRecordRepo.GetByAlipayOrderID(ctx, alipayOrderID)
+}
+
+// HandleAlipayPaymentSuccess 处理支付宝支付成功回调
+func (s *RechargeRecordServiceImpl) HandleAlipayPaymentSuccess(ctx context.Context, outTradeNo string, amount decimal.Decimal, tradeNo string) error {
+	// 查找支付宝订单
+	alipayOrder, err := s.alipayOrderRepo.GetByOutTradeNo(ctx, outTradeNo)
+	if err != nil {
+		s.logger.Error("查找支付宝订单失败", zap.String("out_trade_no", outTradeNo), zap.Error(err))
+		return fmt.Errorf("查找支付宝订单失败: %w", err)
+	}
+
+	if alipayOrder == nil {
+		s.logger.Error("支付宝订单不存在", zap.String("out_trade_no", outTradeNo))
+		return fmt.Errorf("支付宝订单不存在")
+	}
+
+	// 检查订单状态
+	if alipayOrder.Status == entities.AlipayOrderStatusSuccess {
+		s.logger.Info("支付宝订单已处理成功，跳过重复处理",
+			zap.String("out_trade_no", outTradeNo),
+			zap.String("order_id", alipayOrder.ID),
+		)
+		return nil
+	}
+
+	// 查找对应的充值记录
+	rechargeRecord, err := s.rechargeRecordRepo.GetByID(ctx, alipayOrder.RechargeID)
+	if err != nil {
+		s.logger.Error("查找充值记录失败", zap.String("recharge_id", alipayOrder.RechargeID), zap.Error(err))
+		return fmt.Errorf("查找充值记录失败: %w", err)
+	}
+
+	// 检查充值记录状态
+	if rechargeRecord.Status == entities.RechargeStatusSuccess {
+		s.logger.Info("充值记录已处理成功，跳过重复处理",
+			zap.String("recharge_id", rechargeRecord.ID),
+		)
+		return nil
+	}
+
+	// 检查是否是组件报告下载订单（通过备注判断）
+	isComponentReportOrder := strings.Contains(rechargeRecord.Notes, "购买") && strings.Contains(rechargeRecord.Notes, "报告示例")
+
+	s.logger.Info("处理支付宝支付成功回调",
+		zap.String("out_trade_no", outTradeNo),
+		zap.String("recharge_id", rechargeRecord.ID),
+		zap.String("notes", rechargeRecord.Notes),
+		zap.Bool("is_component_report", isComponentReportOrder),
+	)
+
+	// 计算充值赠送金额（组件报告下载订单不需要赠送）
+	bonusAmount := decimal.Zero
+	if !isComponentReportOrder {
+		bonusAmount = calculateAlipayRechargeBonus(amount, &s.cfg.Wallet)
+	}
+	totalAmount := amount.Add(bonusAmount)
+
+	// 在事务中执行所有更新操作
+	err = s.txManager.ExecuteInTx(ctx, func(txCtx context.Context) error {
+		// 更新支付宝订单状态为成功
+		alipayOrder.MarkSuccess(tradeNo, "", "", amount, amount)
+		err := s.alipayOrderRepo.Update(txCtx, *alipayOrder)
+		if err != nil {
+			s.logger.Error("更新支付宝订单状态失败", zap.Error(err))
+			return err
+		}
+
+		// 更新充值记录状态为成功（使用UpdateStatus方法直接更新状态字段）
+		err = s.rechargeRecordRepo.UpdateStatus(txCtx, rechargeRecord.ID, entities.RechargeStatusSuccess)
+		if err != nil {
+			s.logger.Error("更新充值记录状态失败", zap.Error(err))
+			return err
+		}
+
+		// 如果是组件报告下载订单，不增加钱包余额，不创建赠送记录
+		if isComponentReportOrder {
+			s.logger.Info("组件报告下载订单，跳过钱包余额增加和赠送",
+				zap.String("out_trade_no", outTradeNo),
+				zap.String("recharge_id", rechargeRecord.ID),
+			)
+			return nil
+		}
+
+		// 如果有赠送金额，创建赠送充值记录
+		if bonusAmount.GreaterThan(decimal.Zero) {
+			giftRechargeRecord := entities.NewGiftRechargeRecord(rechargeRecord.UserID, bonusAmount, "充值活动赠送")
+			_, err = s.rechargeRecordRepo.Create(txCtx, *giftRechargeRecord)
+			if err != nil {
+				s.logger.Error("创建赠送充值记录失败", zap.Error(err))
+				return err
+			}
+			s.logger.Info("创建赠送充值记录成功",
+				zap.String("user_id", rechargeRecord.UserID),
+				zap.String("bonus_amount", bonusAmount.String()),
+				zap.String("gift_recharge_id", giftRechargeRecord.ID))
+		}
+
+		// 使用钱包聚合服务更新钱包余额（包含赠送金额）
+		err = s.walletService.Recharge(txCtx, rechargeRecord.UserID, totalAmount)
+		if err != nil {
+			s.logger.Error("更新钱包余额失败", zap.String("user_id", rechargeRecord.UserID), zap.Error(err))
+			return err
+		}
+
+		return nil
+	})
+
+	if err != nil {
+		return err
+	}
+
+	s.logger.Info("支付宝支付成功回调处理成功",
+		zap.String("user_id", rechargeRecord.UserID),
+		zap.String("recharge_amount", amount.String()),
+		zap.String("bonus_amount", bonusAmount.String()),
+		zap.String("total_amount", totalAmount.String()),
+		zap.String("out_trade_no", outTradeNo),
+		zap.String("trade_no", tradeNo),
+		zap.String("recharge_id", rechargeRecord.ID),
+		zap.String("order_id", alipayOrder.ID))
+
+	// 检查是否有组件报告下载记录需要更新
+	// 注意：这里需要在调用方（finance应用服务）中处理，因为这里没有组件报告下载的repository
+	// 但为了保持服务层的独立性，我们通过事件或回调来处理
+
+	return nil
+}
+
+// GetByID 根据ID获取充值记录
+func (s *RechargeRecordServiceImpl) GetByID(ctx context.Context, id string) (*entities.RechargeRecord, error) {
+	record, err := s.rechargeRecordRepo.GetByID(ctx, id)
+	if err != nil {
+		return nil, err
+	}
+	return &record, nil
+}
+
+// GetByUserID 根据用户ID获取充值记录列表
+func (s *RechargeRecordServiceImpl) GetByUserID(ctx context.Context, userID string) ([]entities.RechargeRecord, error) {
+	return s.rechargeRecordRepo.GetByUserID(ctx, userID)
+}
+
+// GetByTransferOrderID 根据转账订单号获取充值记录
+func (s *RechargeRecordServiceImpl) GetByTransferOrderID(ctx context.Context, transferOrderID string) (*entities.RechargeRecord, error) {
+	return s.rechargeRecordRepo.GetByTransferOrderID(ctx, transferOrderID)
+}
+
+// GetAll 获取所有充值记录（管理员功能）
+func (s *RechargeRecordServiceImpl) GetAll(ctx context.Context, filters map[string]interface{}, options interfaces.ListOptions) ([]entities.RechargeRecord, error) {
+	// 将filters添加到options中
+	if filters != nil {
+		if options.Filters == nil {
+			options.Filters = make(map[string]interface{})
+		}
+		for key, value := range filters {
+			options.Filters[key] = value
+		}
+	}
+	return s.rechargeRecordRepo.List(ctx, options)
+}
+
+// Count 统计充值记录数量（管理员功能）
+func (s *RechargeRecordServiceImpl) Count(ctx context.Context, filters map[string]interface{}) (int64, error) {
+	countOptions := interfaces.CountOptions{
+		Filters: filters,
+	}
+	return s.rechargeRecordRepo.Count(ctx, countOptions)
+}

internal/domains/finance/services/recharge_record_service_test.go

@@ -0,0 +1,101 @@
+package services
+
+import (
+	"testing"
+
+	"github.com/shopspring/decimal"
+	"github.com/stretchr/testify/assert"
+
+	"hyapi-server/internal/config"
+)
+
+func TestCalculateAlipayRechargeBonus(t *testing.T) {
+	// 创建测试配置（开启赠送）
+	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: true,
+		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{
+			{RechargeAmount: 1000.00, BonusAmount: 50.00},   // 充1000送50
+			{RechargeAmount: 5000.00, BonusAmount: 300.00},  // 充5000送300
+			{RechargeAmount: 10000.00, BonusAmount: 800.00}, // 充10000送800
+		},
+	}
+
+	tests := []struct {
+		name           string
+		rechargeAmount decimal.Decimal
+		expectedBonus  decimal.Decimal
+	}{
+		{
+			name:           "充值500元，无赠送",
+			rechargeAmount: decimal.NewFromFloat(500.00),
+			expectedBonus:  decimal.Zero,
+		},
+		{
+			name:           "充值1000元，赠送50元",
+			rechargeAmount: decimal.NewFromFloat(1000.00),
+			expectedBonus:  decimal.NewFromFloat(50.00),
+		},
+		{
+			name:           "充值2000元，赠送50元",
+			rechargeAmount: decimal.NewFromFloat(2000.00),
+			expectedBonus:  decimal.NewFromFloat(50.00),
+		},
+		{
+			name:           "充值5000元，赠送300元",
+			rechargeAmount: decimal.NewFromFloat(5000.00),
+			expectedBonus:  decimal.NewFromFloat(300.00),
+		},
+		{
+			name:           "充值8000元，赠送300元",
+			rechargeAmount: decimal.NewFromFloat(8000.00),
+			expectedBonus:  decimal.NewFromFloat(300.00),
+		},
+		{
+			name:           "充值10000元，赠送800元",
+			rechargeAmount: decimal.NewFromFloat(10000.00),
+			expectedBonus:  decimal.NewFromFloat(800.00),
+		},
+		{
+			name:           "充值15000元，赠送800元",
+			rechargeAmount: decimal.NewFromFloat(15000.00),
+			expectedBonus:  decimal.NewFromFloat(800.00),
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			bonus := calculateAlipayRechargeBonus(tt.rechargeAmount, walletConfig)
+			assert.True(t, bonus.Equal(tt.expectedBonus),
+				"充值金额: %s, 期望赠送: %s, 实际赠送: %s",
+				tt.rechargeAmount.String(), tt.expectedBonus.String(), bonus.String())
+		})
+	}
+}
+
+func TestCalculateAlipayRechargeBonus_EmptyConfig(t *testing.T) {
+	// 测试空配置
+	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: true,
+		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{},
+	}
+
+	bonus := calculateAlipayRechargeBonus(decimal.NewFromFloat(1000.00), walletConfig)
+	assert.True(t, bonus.Equal(decimal.Zero), "空配置应该返回零赠送金额")
+
+	// 测试nil配置
+	bonus = calculateAlipayRechargeBonus(decimal.NewFromFloat(1000.00), nil)
+	assert.True(t, bonus.Equal(decimal.Zero), "nil配置应该返回零赠送金额")
+}
+
+func TestCalculateAlipayRechargeBonus_Disabled(t *testing.T) {
+	// 关闭赠送时，任意金额均不赠送
+	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: false,
+		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{
+			{RechargeAmount: 1000.00, BonusAmount: 50.00},
+			{RechargeAmount: 10000.00, BonusAmount: 800.00},
+		},
+	}
+	bonus := calculateAlipayRechargeBonus(decimal.NewFromFloat(10000.00), walletConfig)
+	assert.True(t, bonus.Equal(decimal.Zero), "关闭赠送时应返回零")
+}

internal/domains/finance/services/user_invoice_info_service.go

@@ -0,0 +1,250 @@
+package services
+
+import (
+	"context"
+	"fmt"
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/domains/finance/repositories"
+	"hyapi-server/internal/domains/finance/value_objects"
+
+	"github.com/google/uuid"
+)
+
+// UserInvoiceInfoService 用户开票信息服务接口
+type UserInvoiceInfoService interface {
+	// GetUserInvoiceInfo 获取用户开票信息
+	GetUserInvoiceInfo(ctx context.Context, userID string) (*entities.UserInvoiceInfo, error)
+
+	// GetUserInvoiceInfoWithEnterpriseInfo 获取用户开票信息（包含企业认证信息）
+	GetUserInvoiceInfoWithEnterpriseInfo(ctx context.Context, userID string, companyName, taxpayerID string) (*entities.UserInvoiceInfo, error)
+
+	// CreateOrUpdateUserInvoiceInfo 创建或更新用户开票信息
+	CreateOrUpdateUserInvoiceInfo(ctx context.Context, userID string, invoiceInfo *value_objects.InvoiceInfo) (*entities.UserInvoiceInfo, error)
+
+	// CreateOrUpdateUserInvoiceInfoWithEnterpriseInfo 创建或更新用户开票信息（包含企业认证信息）
+	CreateOrUpdateUserInvoiceInfoWithEnterpriseInfo(ctx context.Context, userID string, invoiceInfo *value_objects.InvoiceInfo, companyName, taxpayerID string) (*entities.UserInvoiceInfo, error)
+
+	// ValidateInvoiceInfo 验证开票信息
+	ValidateInvoiceInfo(ctx context.Context, invoiceInfo *value_objects.InvoiceInfo, invoiceType value_objects.InvoiceType) error
+
+	// DeleteUserInvoiceInfo 删除用户开票信息
+	DeleteUserInvoiceInfo(ctx context.Context, userID string) error
+}
+
+// UserInvoiceInfoServiceImpl 用户开票信息服务实现
+type UserInvoiceInfoServiceImpl struct {
+	userInvoiceInfoRepo repositories.UserInvoiceInfoRepository
+}
+
+// NewUserInvoiceInfoService 创建用户开票信息服务
+func NewUserInvoiceInfoService(userInvoiceInfoRepo repositories.UserInvoiceInfoRepository) UserInvoiceInfoService {
+	return &UserInvoiceInfoServiceImpl{
+		userInvoiceInfoRepo: userInvoiceInfoRepo,
+	}
+}
+
+// GetUserInvoiceInfo 获取用户开票信息
+func (s *UserInvoiceInfoServiceImpl) GetUserInvoiceInfo(ctx context.Context, userID string) (*entities.UserInvoiceInfo, error) {
+	info, err := s.userInvoiceInfoRepo.FindByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("获取用户开票信息失败: %w", err)
+	}
+
+	// 如果没有找到开票信息记录，创建新的实体
+	if info == nil {
+		info = &entities.UserInvoiceInfo{
+			ID:             uuid.New().String(),
+			UserID:         userID,
+			CompanyName:    "",
+			TaxpayerID:     "",
+			BankName:       "",
+			BankAccount:    "",
+			CompanyAddress: "",
+			CompanyPhone:   "",
+			ReceivingEmail: "",
+		}
+	}
+
+	return info, nil
+}
+
+// GetUserInvoiceInfoWithEnterpriseInfo 获取用户开票信息（包含企业认证信息）
+func (s *UserInvoiceInfoServiceImpl) GetUserInvoiceInfoWithEnterpriseInfo(ctx context.Context, userID string, companyName, taxpayerID string) (*entities.UserInvoiceInfo, error) {
+	info, err := s.userInvoiceInfoRepo.FindByUserID(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("获取用户开票信息失败: %w", err)
+	}
+
+	// 如果没有找到开票信息记录，创建新的实体
+	if info == nil {
+		info = &entities.UserInvoiceInfo{
+			ID:             uuid.New().String(),
+			UserID:         userID,
+			CompanyName:    companyName, // 使用企业认证信息填充
+			TaxpayerID:     taxpayerID,  // 使用企业认证信息填充
+			BankName:       "",
+			BankAccount:    "",
+			CompanyAddress: "",
+			CompanyPhone:   "",
+			ReceivingEmail: "",
+		}
+	} else {
+		// 如果已有记录，使用传入的企业认证信息覆盖公司名称和纳税人识别号
+		if companyName != "" {
+			info.CompanyName = companyName
+		}
+		if taxpayerID != "" {
+			info.TaxpayerID = taxpayerID
+		}
+	}
+
+	return info, nil
+}
+
+// CreateOrUpdateUserInvoiceInfo 创建或更新用户开票信息
+func (s *UserInvoiceInfoServiceImpl) CreateOrUpdateUserInvoiceInfo(ctx context.Context, userID string, invoiceInfo *value_objects.InvoiceInfo) (*entities.UserInvoiceInfo, error) {
+	// 验证开票信息
+	if err := s.ValidateInvoiceInfo(ctx, invoiceInfo, value_objects.InvoiceTypeGeneral); err != nil {
+		return nil, err
+	}
+
+	// 检查是否已存在
+	exists, err := s.userInvoiceInfoRepo.Exists(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("检查用户开票信息失败: %w", err)
+	}
+
+	var userInvoiceInfo *entities.UserInvoiceInfo
+
+	if exists {
+		// 更新现有记录
+		userInvoiceInfo, err = s.userInvoiceInfoRepo.FindByUserID(ctx, userID)
+		if err != nil {
+			return nil, fmt.Errorf("获取用户开票信息失败: %w", err)
+		}
+
+		// 更新字段
+		userInvoiceInfo.CompanyName = invoiceInfo.CompanyName
+		userInvoiceInfo.TaxpayerID = invoiceInfo.TaxpayerID
+		userInvoiceInfo.BankName = invoiceInfo.BankName
+		userInvoiceInfo.BankAccount = invoiceInfo.BankAccount
+		userInvoiceInfo.CompanyAddress = invoiceInfo.CompanyAddress
+		userInvoiceInfo.CompanyPhone = invoiceInfo.CompanyPhone
+		userInvoiceInfo.ReceivingEmail = invoiceInfo.ReceivingEmail
+
+		err = s.userInvoiceInfoRepo.Update(ctx, userInvoiceInfo)
+	} else {
+		// 创建新记录
+		userInvoiceInfo = &entities.UserInvoiceInfo{
+			ID:             uuid.New().String(),
+			UserID:         userID,
+			CompanyName:    invoiceInfo.CompanyName,
+			TaxpayerID:     invoiceInfo.TaxpayerID,
+			BankName:       invoiceInfo.BankName,
+			BankAccount:    invoiceInfo.BankAccount,
+			CompanyAddress: invoiceInfo.CompanyAddress,
+			CompanyPhone:   invoiceInfo.CompanyPhone,
+			ReceivingEmail: invoiceInfo.ReceivingEmail,
+		}
+
+		err = s.userInvoiceInfoRepo.Create(ctx, userInvoiceInfo)
+	}
+
+	if err != nil {
+		return nil, fmt.Errorf("保存用户开票信息失败: %w", err)
+	}
+
+	return userInvoiceInfo, nil
+}
+
+// CreateOrUpdateUserInvoiceInfoWithEnterpriseInfo 创建或更新用户开票信息（包含企业认证信息）
+func (s *UserInvoiceInfoServiceImpl) CreateOrUpdateUserInvoiceInfoWithEnterpriseInfo(ctx context.Context, userID string, invoiceInfo *value_objects.InvoiceInfo, companyName, taxpayerID string) (*entities.UserInvoiceInfo, error) {
+	// 检查企业认证信息
+	if companyName == "" || taxpayerID == "" {
+		return nil, fmt.Errorf("用户未完成企业认证，无法创建开票信息")
+	}
+
+	// 创建新的开票信息对象，使用传入的企业认证信息
+	updatedInvoiceInfo := &value_objects.InvoiceInfo{
+		CompanyName:    companyName,      // 从企业认证信息获取
+		TaxpayerID:     taxpayerID,       // 从企业认证信息获取
+		BankName:       invoiceInfo.BankName,                 // 用户输入
+		BankAccount:    invoiceInfo.BankAccount,              // 用户输入
+		CompanyAddress: invoiceInfo.CompanyAddress,           // 用户输入
+		CompanyPhone:   invoiceInfo.CompanyPhone,             // 用户输入
+		ReceivingEmail: invoiceInfo.ReceivingEmail,           // 用户输入
+	}
+
+	// 验证开票信息
+	if err := s.ValidateInvoiceInfo(ctx, updatedInvoiceInfo, value_objects.InvoiceTypeGeneral); err != nil {
+		return nil, err
+	}
+
+	// 检查是否已存在
+	exists, err := s.userInvoiceInfoRepo.Exists(ctx, userID)
+	if err != nil {
+		return nil, fmt.Errorf("检查用户开票信息失败: %w", err)
+	}
+
+	var userInvoiceInfo *entities.UserInvoiceInfo
+
+	if exists {
+		// 更新现有记录
+		userInvoiceInfo, err = s.userInvoiceInfoRepo.FindByUserID(ctx, userID)
+		if err != nil {
+			return nil, fmt.Errorf("获取用户开票信息失败: %w", err)
+		}
+
+		// 更新字段（公司名称和纳税人识别号从企业认证信息获取，其他字段从用户输入获取）
+		userInvoiceInfo.CompanyName = companyName
+		userInvoiceInfo.TaxpayerID = taxpayerID
+		userInvoiceInfo.BankName = invoiceInfo.BankName
+		userInvoiceInfo.BankAccount = invoiceInfo.BankAccount
+		userInvoiceInfo.CompanyAddress = invoiceInfo.CompanyAddress
+		userInvoiceInfo.CompanyPhone = invoiceInfo.CompanyPhone
+		userInvoiceInfo.ReceivingEmail = invoiceInfo.ReceivingEmail
+
+		err = s.userInvoiceInfoRepo.Update(ctx, userInvoiceInfo)
+	} else {
+		// 创建新记录
+		userInvoiceInfo = &entities.UserInvoiceInfo{
+			ID:             uuid.New().String(),
+			UserID:         userID,
+			CompanyName:    companyName,      // 从企业认证信息获取
+			TaxpayerID:     taxpayerID,       // 从企业认证信息获取
+			BankName:       invoiceInfo.BankName,                 // 用户输入
+			BankAccount:    invoiceInfo.BankAccount,              // 用户输入
+			CompanyAddress: invoiceInfo.CompanyAddress,           // 用户输入
+			CompanyPhone:   invoiceInfo.CompanyPhone,             // 用户输入
+			ReceivingEmail: invoiceInfo.ReceivingEmail,           // 用户输入
+		}
+
+		err = s.userInvoiceInfoRepo.Create(ctx, userInvoiceInfo)
+	}
+
+	if err != nil {
+		return nil, fmt.Errorf("保存用户开票信息失败: %w", err)
+	}
+
+	return userInvoiceInfo, nil
+}
+
+// ValidateInvoiceInfo 验证开票信息
+func (s *UserInvoiceInfoServiceImpl) ValidateInvoiceInfo(ctx context.Context, invoiceInfo *value_objects.InvoiceInfo, invoiceType value_objects.InvoiceType) error {
+	if invoiceType == value_objects.InvoiceTypeGeneral {
+		return invoiceInfo.ValidateForGeneralInvoice()
+	} else if invoiceType == value_objects.InvoiceTypeSpecial {
+		return invoiceInfo.ValidateForSpecialInvoice()
+	}
+
+	return fmt.Errorf("无效的发票类型: %s", invoiceType)
+}
+
+// DeleteUserInvoiceInfo 删除用户开票信息
+func (s *UserInvoiceInfoServiceImpl) DeleteUserInvoiceInfo(ctx context.Context, userID string) error {
+	err := s.userInvoiceInfoRepo.Delete(ctx, userID)
+	if err != nil {
+		return fmt.Errorf("删除用户开票信息失败: %w", err)
+	}
+	return nil
+}

internal/domains/finance/services/wallet_aggregate_service.go

@@ -0,0 +1,155 @@
+package services
+
+import (
+	"context"
+	"fmt"
+
+	"github.com/shopspring/decimal"
+	"go.uber.org/zap"
+	"gorm.io/gorm"
+
+	"hyapi-server/internal/config"
+	"hyapi-server/internal/domains/finance/entities"
+	"hyapi-server/internal/domains/finance/repositories"
+)
+
+// WalletAggregateService 钱包聚合服务接口
+type WalletAggregateService interface {
+	CreateWallet(ctx context.Context, userID string) (*entities.Wallet, error)
+	Recharge(ctx context.Context, userID string, amount decimal.Decimal) error
+	Deduct(ctx context.Context, userID string, amount decimal.Decimal, apiCallID, transactionID, productID string) error
+	GetBalance(ctx context.Context, userID string) (decimal.Decimal, error)
+	LoadWalletByUserId(ctx context.Context, userID string) (*entities.Wallet, error)
+}
+
+// WalletAggregateServiceImpl 实现
+
+// WalletAggregateServiceImpl 钱包聚合服务实现
+type WalletAggregateServiceImpl struct {
+	db              *gorm.DB
+	walletRepo      repositories.WalletRepository
+	transactionRepo repositories.WalletTransactionRepository
+	balanceAlertSvc BalanceAlertService
+	logger          *zap.Logger
+	cfg             *config.Config
+}
+
+func NewWalletAggregateService(
+	db *gorm.DB,
+	walletRepo repositories.WalletRepository,
+	transactionRepo repositories.WalletTransactionRepository,
+	balanceAlertSvc BalanceAlertService,
+	logger *zap.Logger,
+	cfg *config.Config,
+) WalletAggregateService {
+	return &WalletAggregateServiceImpl{
+		db:              db,
+		walletRepo:      walletRepo,
+		transactionRepo: transactionRepo,
+		balanceAlertSvc: balanceAlertSvc,
+		logger:          logger,
+		cfg:             cfg,
+	}
+}
+
+// CreateWallet 创建钱包
+func (s *WalletAggregateServiceImpl) CreateWallet(ctx context.Context, userID string) (*entities.Wallet, error) {
+	// 检查是否已存在
+	w, _ := s.walletRepo.GetByUserID(ctx, userID)
+	if w != nil {
+		return nil, fmt.Errorf("用户已存在钱包")
+	}
+	wallet := entities.NewWallet(userID, decimal.NewFromFloat(s.cfg.Wallet.DefaultCreditLimit))
+	created, err := s.walletRepo.Create(ctx, *wallet)
+	if err != nil {
+		s.logger.Error("创建钱包失败", zap.Error(err))
+		return nil, err
+	}
+	s.logger.Info("钱包创建成功", zap.String("user_id", userID), zap.String("wallet_id", created.ID))
+	return &created, nil
+}
+
+// Recharge 充值 - 使用事务确保一致性
+func (s *WalletAggregateServiceImpl) Recharge(ctx context.Context, userID string, amount decimal.Decimal) error {
+	// 使用数据库事务确保一致性
+	return s.db.Transaction(func(tx *gorm.DB) error {
+		ok, err := s.walletRepo.UpdateBalanceByUserID(ctx, userID, amount, "add")
+		if err != nil {
+			return fmt.Errorf("更新钱包余额失败: %w", err)
+		}
+		if !ok {
+			return fmt.Errorf("高并发下充值失败，请重试")
+		}
+
+		s.logger.Info("钱包充值成功",
+			zap.String("user_id", userID),
+			zap.String("amount", amount.String()))
+
+		return nil
+	})
+}
+
+// Deduct 扣款，含欠费规则 - 使用事务确保一致性
+func (s *WalletAggregateServiceImpl) Deduct(ctx context.Context, userID string, amount decimal.Decimal, apiCallID, transactionID, productID string) error {
+	// 使用数据库事务确保一致性
+	return s.db.Transaction(func(tx *gorm.DB) error {
+		// 1. 使用乐观锁更新余额（通过用户ID直接更新，避免重复查询）
+		ok, err := s.walletRepo.UpdateBalanceByUserID(ctx, userID, amount, "subtract")
+		if err != nil {
+			return fmt.Errorf("更新钱包余额失败: %w", err)
+		}
+		if !ok {
+			return fmt.Errorf("高并发下扣款失败，请重试")
+		}
+
+		// 2. 创建扣款记录（检查是否已存在）
+		transaction := entities.NewWalletTransaction(userID, apiCallID, transactionID, productID, amount)
+
+		if err := tx.Create(transaction).Error; err != nil {
+			return fmt.Errorf("创建扣款记录失败: %w", err)
+		}
+
+		s.logger.Info("钱包扣款成功",
+			zap.String("user_id", userID),
+			zap.String("amount", amount.String()),
+			zap.String("api_call_id", apiCallID),
+			zap.String("transaction_id", transactionID))
+
+		// 3. 扣费成功后异步检查余额预警
+		go s.checkBalanceAlertAsync(context.Background(), userID)
+
+		return nil
+	})
+}
+
+// GetBalance 查询余额
+func (s *WalletAggregateServiceImpl) GetBalance(ctx context.Context, userID string) (decimal.Decimal, error) {
+	w, err := s.walletRepo.GetByUserID(ctx, userID)
+	if err != nil {
+		return decimal.Zero, fmt.Errorf("钱包不存在")
+	}
+	return w.Balance, nil
+}
+
+func (s *WalletAggregateServiceImpl) LoadWalletByUserId(ctx context.Context, userID string) (*entities.Wallet, error) {
+	return s.walletRepo.GetByUserID(ctx, userID)
+}
+
+// checkBalanceAlertAsync 异步检查余额预警
+func (s *WalletAggregateServiceImpl) checkBalanceAlertAsync(ctx context.Context, userID string) {
+	// 获取最新余额
+	wallet, err := s.walletRepo.GetByUserID(ctx, userID)
+	if err != nil {
+		s.logger.Error("获取钱包余额失败",
+			zap.String("user_id", userID),
+			zap.Error(err))
+		return
+	}
+
+	// 检查并发送预警
+	if err := s.balanceAlertSvc.CheckAndSendAlert(ctx, userID, wallet.Balance); err != nil {
+		s.logger.Error("余额预警检查失败",
+			zap.String("user_id", userID),
+			zap.Error(err))
+	}
+}

internal/domains/finance/value_objects/invoice_info.go

@@ -0,0 +1,105 @@
+package value_objects
+
+import (
+	"errors"
+	"strings"
+)
+
+// InvoiceInfo 发票信息值对象
+type InvoiceInfo struct {
+	CompanyName    string `json:"company_name"`    // 公司名称
+	TaxpayerID     string `json:"taxpayer_id"`     // 纳税人识别号
+	BankName       string `json:"bank_name"`       // 基本开户银行
+	BankAccount    string `json:"bank_account"`    // 基本开户账号
+	CompanyAddress string `json:"company_address"` // 企业注册地址
+	CompanyPhone   string `json:"company_phone"`   // 企业注册电话
+	ReceivingEmail string `json:"receiving_email"` // 发票接收邮箱
+}
+
+// NewInvoiceInfo 创建发票信息值对象
+func NewInvoiceInfo(companyName, taxpayerID, bankName, bankAccount, companyAddress, companyPhone, receivingEmail string) *InvoiceInfo {
+	return &InvoiceInfo{
+		CompanyName:    strings.TrimSpace(companyName),
+		TaxpayerID:     strings.TrimSpace(taxpayerID),
+		BankName:       strings.TrimSpace(bankName),
+		BankAccount:    strings.TrimSpace(bankAccount),
+		CompanyAddress: strings.TrimSpace(companyAddress),
+		CompanyPhone:   strings.TrimSpace(companyPhone),
+		ReceivingEmail: strings.TrimSpace(receivingEmail),
+	}
+}
+
+// ValidateForGeneralInvoice 验证普票信息
+func (ii *InvoiceInfo) ValidateForGeneralInvoice() error {
+	if ii.CompanyName == "" {
+		return errors.New("公司名称不能为空")
+	}
+	if ii.TaxpayerID == "" {
+		return errors.New("纳税人识别号不能为空")
+	}
+	if ii.ReceivingEmail == "" {
+		return errors.New("发票接收邮箱不能为空")
+	}
+	return nil
+}
+
+// ValidateForSpecialInvoice 验证专票信息
+func (ii *InvoiceInfo) ValidateForSpecialInvoice() error {
+	// 先验证普票必填项
+	if err := ii.ValidateForGeneralInvoice(); err != nil {
+		return err
+	}
+	
+	// 专票额外必填项
+	if ii.BankName == "" {
+		return errors.New("基本开户银行不能为空")
+	}
+	if ii.BankAccount == "" {
+		return errors.New("基本开户账号不能为空")
+	}
+	if ii.CompanyAddress == "" {
+		return errors.New("企业注册地址不能为空")
+	}
+	if ii.CompanyPhone == "" {
+		return errors.New("企业注册电话不能为空")
+	}
+	return nil
+}
+
+// IsComplete 检查信息是否完整（专票要求）
+func (ii *InvoiceInfo) IsComplete() bool {
+	return ii.CompanyName != "" &&
+		ii.TaxpayerID != "" &&
+		ii.BankName != "" &&
+		ii.BankAccount != "" &&
+		ii.CompanyAddress != "" &&
+		ii.CompanyPhone != "" &&
+		ii.ReceivingEmail != ""
+}
+
+// GetMissingFields 获取缺失的字段（专票要求）
+func (ii *InvoiceInfo) GetMissingFields() []string {
+	var missing []string
+	if ii.CompanyName == "" {
+		missing = append(missing, "公司名称")
+	}
+	if ii.TaxpayerID == "" {
+		missing = append(missing, "纳税人识别号")
+	}
+	if ii.BankName == "" {
+		missing = append(missing, "基本开户银行")
+	}
+	if ii.BankAccount == "" {
+		missing = append(missing, "基本开户账号")
+	}
+	if ii.CompanyAddress == "" {
+		missing = append(missing, "企业注册地址")
+	}
+	if ii.CompanyPhone == "" {
+		missing = append(missing, "企业注册电话")
+	}
+	if ii.ReceivingEmail == "" {
+		missing = append(missing, "发票接收邮箱")
+	}
+	return missing
+} 

internal/domains/finance/value_objects/invoice_type.go

@@ -0,0 +1,36 @@
+package value_objects
+
+// InvoiceType 发票类型枚举
+type InvoiceType string
+
+const (
+	InvoiceTypeGeneral InvoiceType = "general" // 增值税普通发票 (普票)
+	InvoiceTypeSpecial InvoiceType = "special" // 增值税专用发票 (专票)
+)
+
+// String 返回发票类型的字符串表示
+func (it InvoiceType) String() string {
+	return string(it)
+}
+
+// IsValid 验证发票类型是否有效
+func (it InvoiceType) IsValid() bool {
+	switch it {
+	case InvoiceTypeGeneral, InvoiceTypeSpecial:
+		return true
+	default:
+		return false
+	}
+}
+
+// GetDisplayName 获取发票类型的显示名称
+func (it InvoiceType) GetDisplayName() string {
+	switch it {
+	case InvoiceTypeGeneral:
+		return "增值税普通发票 (普票)"
+	case InvoiceTypeSpecial:
+		return "增值税专用发票 (专票)"
+	default:
+		return "未知类型"
+	}
+}