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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)
+}