feat(transfer): 微信转账配置独立表(转账场景+发起应用), 转账策略按配置解析发起应用(10语)

2026-08-11 23:25:33 +08:00 · 2026-08-07 13:50:35 +08:00
parent d71d0adc4f
commit 0d10d18ea3
23 changed files with 520 additions and 34 deletions
--- a/_config/sql/update-tables.sql
+++ b/_config/sql/update-tables.sql
@@ -0,0 +1,35 @@
+-- ============================================================
+-- 支付宝转账场景预置数据(补跑段)
+-- 表结构与索引(先删后增)已执行成功, 本段仅执行预置数据初始化:
+-- 为现有直连通道商户预置8个转账场景行(enabled=false, is_default=false)
+-- 场景为支付宝协议固定中文名称, 重复执行时靠场景唯一索引(部分索引)幂等跳过
+-- ============================================================
+
+-- ID 用时间戳毫秒*1000000 + 递增序号生成, 与应用运行时 Snowflake ID 范围相近且不冲突
+DO $$
+DECLARE
+    base_id bigint;
+    seq bigint := 0;
+    mch_record RECORD;
+    scene_name text;
+BEGIN
+    base_id := (extract(epoch from now()) * 1000)::bigint * 1000000;
+    FOR mch_record IN
+        SELECT mch_no, channel_mch_no
+        FROM "public"."alipay_direct_channel_merchant"
+        WHERE deleted = false
+    LOOP
+        FOREACH scene_name IN ARRAY ARRAY['现金营销', '企业退款', '佣金报酬', '业务结算',
+                                         '二手回收', '公益补助', '行政补贴和退款', '保险理赔']
+        LOOP
+            INSERT INTO "public"."alipay_transfer_scene_config"
+                ("id", "mch_no", "channel_mch_no", "scene_name", "enabled", "is_default",
+                 "create_time", "last_modified_time", "version", "deleted")
+            VALUES
+                (base_id + seq, mch_record.mch_no, mch_record.channel_mch_no, scene_name, false, false,
+                 now(), now(), 0, false)
+            ON CONFLICT DO NOTHING;
+            seq := seq + 1;
+        END LOOP;
+    END LOOP;
+END $$;
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/controller/direct/WechatTransferConfigController.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/controller/direct/WechatTransferConfigController.java
@@ -0,0 +1,52 @@
+package cn.daxpay.open.channel.wechat.controller.direct;
+
+import cn.daxpay.open.channel.wechat.param.direct.WechatTransferConfigParam;
+import cn.daxpay.open.channel.wechat.result.direct.WechatTransferConfigResult;
+import cn.daxpay.open.channel.wechat.service.direct.WechatTransferConfigService;
+import cn.daxpay.open.platform.core.annotation.PermCode;
+import cn.daxpay.open.platform.core.code.PermCodes;
+import cn.daxpay.open.platform.core.rest.Res;
+import cn.daxpay.open.platform.core.rest.result.Result;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.validation.constraints.NotBlank;
+import lombok.RequiredArgsConstructor;
+import org.springframework.validation.annotation.Validated;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PostMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
+
+/// # 微信转账配置管理(运营端)
+///
+/// 管理通道商户的转账配置(转账场景 + 发起应用), 挂在通道商户菜单下。
+///
+@PermCode(menuCode = PermCodes.Channel.Merchant.MENU)
+@Validated
+@Tag(name = "微信转账配置管理")
+@RestController
+@RequestMapping("/admin/wechat/transfer-config")
+@RequiredArgsConstructor
+public class WechatTransferConfigController {
+
+    private final WechatTransferConfigService wechatTransferConfigService;
+
+    @PermCode(code = PermCodes.Action.VIEW)
+    @Operation(summary = "查询通道商户的转账配置")
+    @GetMapping("/find-by-channel-mch-no")
+    public Result<WechatTransferConfigResult> findByChannelMchNo(
+            @NotBlank(message = "{validation.field.mchNo.notBlank}") String mchNo,
+            @NotBlank(message = "{validation.field.channelMerchantNo.notBlank}") String channelMchNo) {
+        return Res.ok(wechatTransferConfigService.findByChannelMchNo(mchNo, channelMchNo));
+    }
+
+    @PermCode(code = PermCodes.Action.MANAGE)
+    @Operation(summary = "保存或更新转账配置(一对一)")
+    @PostMapping("/save")
+    public Result<Void> save(@RequestBody @Validated WechatTransferConfigParam param) {
+        wechatTransferConfigService.saveOrUpdate(param);
+        return Res.ok();
+    }
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/convert/direct/WechatTransferConfigConvert.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/convert/direct/WechatTransferConfigConvert.java
@@ -0,0 +1,31 @@
+package cn.daxpay.open.channel.wechat.convert.direct;
+
+import cn.daxpay.open.channel.wechat.entity.direct.WechatTransferConfig;
+import cn.daxpay.open.channel.wechat.param.direct.WechatTransferConfigParam;
+import cn.daxpay.open.channel.wechat.result.direct.WechatTransferConfigResult;
+import org.mapstruct.BeanMapping;
+import org.mapstruct.Mapper;
+import org.mapstruct.MappingTarget;
+import org.mapstruct.NullValuePropertyMappingStrategy;
+import org.mapstruct.factory.Mappers;
+
+/// # 微信转账配置转换
+///
+/// MapStruct 转换器, 负责转账配置在实体、参数和返回结果之间的转换, 更新时空值不覆盖。
+/// 冗余展示字段(发起应用名/wxAppId/场景名)由 Service 填充, 不经 Convert。
+///
+@Mapper
+public interface WechatTransferConfigConvert {
+
+    WechatTransferConfigConvert CONVERT = Mappers.getMapper(WechatTransferConfigConvert.class);
+
+    /// 转换为返回对象
+    WechatTransferConfigResult toResult(WechatTransferConfig entity);
+
+    /// 转换为实体
+    WechatTransferConfig toEntity(WechatTransferConfigParam param);
+
+    /// 更新源数据到实体(空值不覆盖)
+    @BeanMapping(nullValuePropertyMappingStrategy = NullValuePropertyMappingStrategy.IGNORE)
+    void copy(WechatTransferConfigParam param, @MappingTarget WechatTransferConfig entity);
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatTransferConfigManager.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatTransferConfigManager.java
@@ -0,0 +1,29 @@
+package cn.daxpay.open.channel.wechat.dao.direct;
+
+import cn.daxpay.open.channel.wechat.entity.direct.WechatTransferConfig;
+import cn.daxpay.open.platform.common.mybatisplus.impl.BaseManager;
+import org.springframework.stereotype.Repository;
+
+import java.util.Optional;
+
+/// # 微信转账配置
+///
+/// 一个通道商户一条转账配置(一对一), 提供按通道商户号查询/删除。
+///
+@Repository
+public class WechatTransferConfigManager extends BaseManager<WechatTransferConfigMapper, WechatTransferConfig> {
+
+    /// 按通道商户号查询转账配置(一对一)
+    public Optional<WechatTransferConfig> findByChannelMchNo(String channelMchNo) {
+        return lambdaQuery()
+                .eq(WechatTransferConfig::getChannelMchNo, channelMchNo)
+                .oneOpt();
+    }
+
+    /// 按通道商户号删除转账配置(逻辑删除, 通道商户删除时级联清理)
+    public void deleteByChannelMchNo(String channelMchNo) {
+        lambdaUpdate()
+                .eq(WechatTransferConfig::getChannelMchNo, channelMchNo)
+                .remove();
+    }
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatTransferConfigMapper.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/dao/direct/WechatTransferConfigMapper.java
@@ -0,0 +1,13 @@
+package cn.daxpay.open.channel.wechat.dao.direct;
+
+import cn.daxpay.open.channel.wechat.entity.direct.WechatTransferConfig;
+import com.github.yulichang.base.MPJBaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+/// # 微信转账配置
+///
+/// 微信转账配置 MyBatis-Plus Mapper, 继承 MPJBaseMapper 支持多表联查。
+///
+@Mapper
+public interface WechatTransferConfigMapper extends MPJBaseMapper<WechatTransferConfig> {
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/entity/direct/WechatTransferConfig.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/entity/direct/WechatTransferConfig.java
@@ -0,0 +1,42 @@
+package cn.daxpay.open.channel.wechat.entity.direct;
+
+import cn.daxpay.open.channel.wechat.convert.direct.WechatTransferConfigConvert;
+import cn.daxpay.open.channel.wechat.result.direct.WechatTransferConfigResult;
+import cn.daxpay.open.payment.common.entity.MchBaseEntity;
+import cn.daxpay.open.platform.common.mybatisplus.function.ToResult;
+import com.baomidou.mybatisplus.annotation.FieldStrategy;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+import lombok.experimental.Accessors;
+
+/// # 微信转账配置
+///
+/// 一个通道商户一条转账配置(一对一), 合并「转账场景」与「转账发起应用」。
+/// 发起转账时由 [cn.daxpay.open.channel.wechat.strategy.direct.transfer.WechatTransferStrategy]
+/// 读取本配置注入 transfer_scene 并按 [transferAppRefId] 解析发起应用(公众号)的 wxAppId。
+///
+@EqualsAndHashCode(callSuper = true)
+@Data
+@Accessors(chain = true)
+@TableName("wechat_transfer_config")
+public class WechatTransferConfig extends MchBaseEntity implements ToResult<WechatTransferConfigResult> {
+
+    /// 通道商户号
+    @TableField(updateStrategy = FieldStrategy.NEVER)
+    private String channelMchNo;
+
+    /// 转账场景ID(微信 transfer_scene, 8 枚举之一, 允许为空待后续补配)
+    /// @see cn.daxpay.open.channel.wechat.enums.WechatTransferSceneEnum
+    private String transferScene;
+
+    /// 转账发起应用引用(指向 wx_mch_app 主键, 须为公众号类型, 决定 appid 与 openid 来源)
+    private Long transferAppRefId;
+
+    /// 转换
+    @Override
+    public WechatTransferConfigResult toResult() {
+        return WechatTransferConfigConvert.CONVERT.toResult(this);
+    }
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/param/direct/WechatTransferConfigParam.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/param/direct/WechatTransferConfigParam.java
@@ -0,0 +1,31 @@
+package cn.daxpay.open.channel.wechat.param.direct;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import jakarta.validation.constraints.NotBlank;
+import lombok.Data;
+import lombok.experimental.Accessors;
+
+/// # 微信转账配置保存参数
+///
+/// 一对一 upsert: 存在则更新, 不存在则新增。`transferScene` 与 `transferAppRefId` 均允许为空
+/// (支持分步配置), 但发起转账时两者必须齐备。
+///
+@Data
+@Accessors(chain = true)
+@Schema(title = "微信转账配置保存参数")
+public class WechatTransferConfigParam {
+
+    @NotBlank(message = "{validation.field.mchNo.notBlank}")
+    @Schema(description = "商户号")
+    private String mchNo;
+
+    @NotBlank(message = "{validation.field.channelMerchantNo.notBlank}")
+    @Schema(description = "通道商户号")
+    private String channelMchNo;
+
+    @Schema(description = "转账场景ID(微信 transfer_scene, 8 枚举之一, 允许为空待补配)")
+    private String transferScene;
+
+    @Schema(description = "转账发起应用引用(指向 wx_mch_app 主键, 须为公众号类型)")
+    private Long transferAppRefId;
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/result/direct/WechatTransferConfigResult.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/result/direct/WechatTransferConfigResult.java
@@ -0,0 +1,46 @@
+package cn.daxpay.open.channel.wechat.result.direct;
+
+import cn.daxpay.open.platform.core.result.BaseResult;
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+import lombok.experimental.Accessors;
+
+/// # 微信转账配置
+///
+/// 转账配置返回结果对象。冗余展示字段(发起应用名/wxAppId/应用类型/场景名)由
+/// [cn.daxpay.open.channel.wechat.service.direct.WechatTransferConfigService] 填充,
+/// 不经 MapStruct 自动映射。
+///
+@EqualsAndHashCode(callSuper = true)
+@Data
+@Accessors(chain = true)
+@Schema(title = "微信转账配置")
+public class WechatTransferConfigResult extends BaseResult {
+
+    @Schema(description = "商户号")
+    private String mchNo;
+
+    @Schema(description = "通道商户号")
+    private String channelMchNo;
+
+    @Schema(description = "转账场景ID")
+    private String transferScene;
+
+    @Schema(description = "转账发起应用引用")
+    private Long transferAppRefId;
+
+    // ===== 冗余展示(由 Service 填充) =====
+
+    @Schema(description = "场景名称(枚举推导, 便于展示)")
+    private String sceneName;
+
+    @Schema(description = "发起应用名称")
+    private String transferAppName;
+
+    @Schema(description = "发起应用 AppId(真实微信 AppId)")
+    private String wxAppId;
+
+    @Schema(description = "发起应用类型(须为 official_account 公众号)")
+    private String appType;
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectConfigAssembler.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatDirectConfigAssembler.java
@@ -5,9 +5,11 @@ import cn.daxpay.open.channel.wechat.dao.direct.WechatDirectChannelMerchantManag
 import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectChannelMerchant;
 import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectKeyConfig;
 import cn.daxpay.open.channel.wechat.strategy.direct.pay.WechatDirectPayStrategy;
+import cn.daxpay.open.payment.auth.core.AppScopeEnum;
 import cn.daxpay.open.payment.wx.facade.WxAppFacade;
 import cn.daxpay.open.payment.wx.facade.WxAppView;
 import cn.daxpay.open.platform.core.code.CommonErrorCode;
+import cn.daxpay.open.platform.core.code.DaxPayErrorCode;
 import cn.daxpay.open.platform.core.enums.pay.channel.ProductEnum;
 import cn.daxpay.open.platform.core.exception.BizInfoException;
 import cn.daxpay.open.platform.core.exception.DataNotExistException;
@@ -63,6 +65,25 @@ public class WechatDirectConfigAssembler {
        return this.assemble(null, channelMchNo, channelMerchant);
    }

+    /// 转账专用凭证组装(按发起应用引用解析, 不经 capability)
+    ///
+    /// 转账场景的应用由「微信转账配置」显式指定(公众号), 不走支付能力绑定解析。
+    /// 直接按 [transferAppRefId] 加载商户档应用取 wxAppId, 装载密钥。
+    ///
+    /// @param channelMchNo    通道商户号(密钥查询)
+    /// @param transferAppRefId 转账发起应用引用(wx_mch_app 主键)
+    /// @return 微信 SDK 凭证, wxAppId 来自转账配置指定的公众号应用
+    public WechatSdkCredential buildTransferConfig(String channelMchNo, Long transferAppRefId) {
+        WxAppView app = wxAppFacade.getById(AppScopeEnum.MERCHANT, transferAppRefId);
+        if (app == null) {
+            // 微信: 转账发起应用未配置或已删除
+            throw new BizInfoException(DaxPayErrorCode.CONFIG_NOT_EXIST,
+                    "error.channel.wechat.transferAppNotConfigured");
+        }
+        WechatDirectChannelMerchant channelMerchant = this.loadChannelMerchant(channelMchNo);
+        return this.assemble(app.wxAppId(), channelMchNo, channelMerchant);
+    }
+
    /// 加载通道商户绑定(channelMchNo 是系统生成号, 不等于 wxMchId)
    private WechatDirectChannelMerchant loadChannelMerchant(String channelMchNo) {
        return wechatDirectChannelMerchantManager.findByChannelMchNo(channelMchNo)
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatTransferConfigService.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/service/direct/WechatTransferConfigService.java
@@ -0,0 +1,133 @@
+package cn.daxpay.open.channel.wechat.service.direct;
+
+import cn.daxpay.open.channel.wechat.convert.direct.WechatTransferConfigConvert;
+import cn.daxpay.open.channel.wechat.dao.direct.WechatDirectChannelMerchantManager;
+import cn.daxpay.open.channel.wechat.dao.direct.WechatTransferConfigManager;
+import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectChannelMerchant;
+import cn.daxpay.open.channel.wechat.entity.direct.WechatTransferConfig;
+import cn.daxpay.open.channel.wechat.enums.WechatTransferSceneEnum;
+import cn.daxpay.open.channel.wechat.param.direct.WechatTransferConfigParam;
+import cn.daxpay.open.channel.wechat.result.direct.WechatTransferConfigResult;
+import cn.daxpay.open.payment.wx.dao.merchant.WxMchAppManager;
+import cn.daxpay.open.payment.wx.entity.merchant.WxMchApp;
+import cn.daxpay.open.payment.wx.enums.WxAppTypeEnum;
+import cn.daxpay.open.platform.core.code.CommonErrorCode;
+import cn.daxpay.open.platform.core.exception.BizInfoException;
+import cn.daxpay.open.platform.core.exception.DataNotExistException;
+import cn.hutool.core.util.StrUtil;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.util.Objects;
+import java.util.Optional;
+
+/// # 微信转账配置
+///
+/// 管理通道商户的转账配置(一对一: 转账场景 + 转账发起应用)。
+/// 发起转账时由转账策略读取本配置注入场景并按 [WechatTransferConfig#getTransferAppRefId]
+/// 解析发起应用(公众号)的 wxAppId, 替代通道商户表上的单值 transferScene。
+///
+/// 运营端写 [WechatTransferConfig](MchBaseEntity) 显式 setMchNo, 避免上下文缺失。
+///
+@Slf4j
+@Service
+@RequiredArgsConstructor
+public class WechatTransferConfigService {
+
+    private final WechatTransferConfigManager wechatTransferConfigManager;
+    private final WechatDirectChannelMerchantManager wechatDirectChannelMerchantManager;
+    private final WxMchAppManager wxMchAppManager;
+
+    /// 查询通道商户的转账配置(一对一, 未配置返回 null)
+    ///
+    /// @param mchNo        商户号(归属校验)
+    /// @param channelMchNo 通道商户号
+    /// @return 转账配置(含冗余展示), 不存在返回 null
+    public WechatTransferConfigResult findByChannelMchNo(String mchNo, String channelMchNo) {
+        assertChannelMerchant(mchNo, channelMchNo);
+        return wechatTransferConfigManager.findByChannelMchNo(channelMchNo)
+                .map(this::toResultWithMeta)
+                .orElse(null);
+    }
+
+    /// 保存或更新转账配置(一对一 upsert)
+    ///
+    /// transferScene / transferAppRefId 均允许为空(支持分步配置或清空),
+    /// 但发起转账时两者必须齐备, 由转账策略校验。
+    @Transactional(rollbackFor = Exception.class)
+    public void saveOrUpdate(WechatTransferConfigParam param) {
+        // 校验通道商户存在与归属
+        assertChannelMerchant(param.getMchNo(), param.getChannelMchNo());
+        // 校验发起应用(若指定): 存在 + 归属 + 公众号类型
+        if (param.getTransferAppRefId() != null) {
+            WxMchApp app = wxMchAppManager.lambdaQuery()
+                    .eq(WxMchApp::getId, param.getTransferAppRefId())
+                    .oneOpt()
+                    .orElseThrow(() -> new DataNotExistException("error.channel.wechat.transferAppNotExist"));
+            if (!Objects.equals(app.getMchNo(), param.getMchNo())) {
+                throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
+                        "error.channel.wechat.transferAppNotBelong");
+            }
+            if (!Objects.equals(app.getAppType(), WxAppTypeEnum.OFFICIAL_ACCOUNT.getCode())) {
+                throw new BizInfoException(CommonErrorCode.VALIDATE_PARAMETERS_ERROR,
+                        "error.channel.wechat.transferAppTypeNotOfficialAccount");
+            }
+        }
+        // upsert: 存在则全量覆盖(含清空), 不存在则新增
+        Optional<WechatTransferConfig> existing = wechatTransferConfigManager
+                .findByChannelMchNo(param.getChannelMchNo());
+        if (existing.isPresent()) {
+            WechatTransferConfig entity = existing.get();
+            entity.setTransferScene(param.getTransferScene());
+            entity.setTransferAppRefId(param.getTransferAppRefId());
+            wechatTransferConfigManager.updateById(entity);
+        } else {
+            WechatTransferConfig entity = WechatTransferConfigConvert.CONVERT.toEntity(param);
+            // 运营端写 MchBaseEntity 必须显式 setMchNo(父类 setter 返回类型不匹配, 单独赋值)
+            entity.setMchNo(param.getMchNo());
+            wechatTransferConfigManager.save(entity);
+        }
+    }
+
+    /// 删除通道商户的转账配置(通道商户删除时级联清理)
+    public void deleteByChannelMchNo(String channelMchNo) {
+        wechatTransferConfigManager.deleteByChannelMchNo(channelMchNo);
+    }
+
+    /// 校验通道商户存在且归属匹配
+    private void assertChannelMerchant(String mchNo, String channelMchNo) {
+        WechatDirectChannelMerchant channelMerchant = wechatDirectChannelMerchantManager
+                .findByChannelMchNo(channelMchNo)
+                .orElseThrow(() -> new DataNotExistException("error.payment.channel.channelMerchantNotExist"));
+        if (!Objects.equals(channelMerchant.getMchNo(), mchNo)) {
+            throw new BizInfoException(CommonErrorCode.UN_SUPPORTED_OPERATE,
+                    "error.payment.wx.channelMerchantMismatch");
+        }
+    }
+
+    /// 转Result并填充冗余展示(场景名 + 发起应用信息)
+    private WechatTransferConfigResult toResultWithMeta(WechatTransferConfig entity) {
+        WechatTransferConfigResult result = entity.toResult();
+        // 场景名(枚举推导)
+        if (StrUtil.isNotBlank(entity.getTransferScene())) {
+            WechatTransferSceneEnum scene = WechatTransferSceneEnum.findByCode(entity.getTransferScene());
+            if (scene != null) {
+                result.setSceneName(scene.getName());
+            }
+        }
+        // 发起应用展示信息
+        if (entity.getTransferAppRefId() != null) {
+            wxMchAppManager.lambdaQuery()
+                    .eq(WxMchApp::getId, entity.getTransferAppRefId())
+                    .oneOpt()
+                    .ifPresent(app -> {
+                        result.setTransferAppName(app.getAppName());
+                        result.setWxAppId(app.getWxAppId());
+                        result.setAppType(app.getAppType());
+                    });
+        }
+        return result;
+    }
+}
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/merchant/WechatDirectChannelMerchantCleanupStrategy.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/merchant/WechatDirectChannelMerchantCleanupStrategy.java
@@ -2,6 +2,7 @@ package cn.daxpay.open.channel.wechat.strategy.direct.merchant;

 import cn.daxpay.open.channel.wechat.dao.direct.WechatDirectChannelMerchantManager;
 import cn.daxpay.open.channel.wechat.dao.direct.WechatDirectKeyConfigManager;
+import cn.daxpay.open.channel.wechat.dao.direct.WechatTransferConfigManager;
 import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectChannelMerchant;
 import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectKeyConfig;
 import cn.daxpay.open.payment.wx.service.channel.WxChannelAppCapabilityService;
@@ -16,6 +17,7 @@ import org.springframework.transaction.annotation.Transactional;
 ///
 /// 在通道商户删除时清理:
 /// - 直连扩展表 + 密钥配置
+/// - 微信转账配置(场景+发起应用)
 /// - 主数据通道能力绑([WxChannelAppCapabilityService#deleteByChannelMchNo])
 ///
 /// 与 [cn.daxpay.open.channel.wechat.strategy.isv.merchant.WechatIsvChannelMerchantCleanupStrategy]
@@ -28,6 +30,7 @@ public class WechatDirectChannelMerchantCleanupStrategy implements ChannelMercha

    private final WechatDirectChannelMerchantManager wechatDirectChannelMerchantManager;
    private final WechatDirectKeyConfigManager wechatDirectAppKeyConfigManager;
+    private final WechatTransferConfigManager wechatTransferConfigManager;
    private final WxChannelAppCapabilityService wxChannelAppCapabilityService;

    /// 对应产品: 微信支付直连
@@ -42,6 +45,8 @@ public class WechatDirectChannelMerchantCleanupStrategy implements ChannelMercha
    public void deleteByChannelMchNo(String channelMchNo) {
        wechatDirectChannelMerchantManager.deleteByField(WechatDirectChannelMerchant::getChannelMchNo, channelMchNo);
        wechatDirectAppKeyConfigManager.deleteByField(WechatDirectKeyConfig::getChannelMchNo, channelMchNo);
+        // 微信转账配置(场景+发起应用)
+        wechatTransferConfigManager.deleteByChannelMchNo(channelMchNo);
        // 主数据: 通道商户 × 能力绑
        wxChannelAppCapabilityService.deleteByChannelMchNo(channelMchNo);
    }
--- a/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/transfer/WechatTransferStrategy.java
+++ b/daxpay-channel/daxpay-channel-wechat/src/main/java/cn/daxpay/open/channel/wechat/strategy/direct/transfer/WechatTransferStrategy.java
@@ -1,8 +1,8 @@
 package cn.daxpay.open.channel.wechat.strategy.direct.transfer;

 import cn.daxpay.open.channel.wechat.client.credential.WechatSdkCredential;
-import cn.daxpay.open.channel.wechat.dao.direct.WechatDirectChannelMerchantManager;
-import cn.daxpay.open.channel.wechat.entity.direct.WechatDirectChannelMerchant;
+import cn.daxpay.open.channel.wechat.dao.direct.WechatTransferConfigManager;
+import cn.daxpay.open.channel.wechat.entity.direct.WechatTransferConfig;
 import cn.daxpay.open.channel.wechat.service.direct.WechatDirectConfigAssembler;
 import cn.daxpay.open.channel.wechat.service.payment.transfer.WechatTransferService;
 import cn.daxpay.open.payment.strategy.transfer.AbsTransferStrategy;
@@ -24,7 +24,7 @@ import org.springframework.stereotype.Service;
 /// 通道差异:
 /// - 仅支持 openid 收款人([TransferPayeeTypeEnum#OPENID])
 /// - 金额档位姓名校验: 小于 0.3 元禁填姓名, 大于等于 2000 元必填姓名
-/// - transfer_scene 取自通道商户配置, 未配置时报错
+/// - transfer_scene 取自「微信转账配置」([WechatTransferConfig]), 发起应用由配置指定(公众号)
@Slf4j
@Service
@RequiredArgsConstructor
@@ -37,7 +37,7 @@ public class WechatTransferStrategy extends AbsTransferStrategy {

    private final WechatTransferService wechatTransferService;
    private final WechatDirectConfigAssembler wechatDirectConfigAssembler;
-    private final WechatDirectChannelMerchantManager wechatDirectChannelMerchantManager;
+    private final WechatTransferConfigManager wechatTransferConfigManager;

    @Override
    public String getChannel() {
@@ -83,20 +83,25 @@ public class WechatTransferStrategy extends AbsTransferStrategy {

    /// 组装通道调用凭证并注入转账场景
    ///
-    /// 转账场景(transfer_scene)从通道商户配置读取, 经上下文回写, 由编排层在"处理中"镜像落库。
+    /// 转账场景(transfer_scene)与发起应用均取自「微信转账配置」([WechatTransferConfig]),
+    /// 经上下文回写场景, 由编排层在"处理中"镜像落库; 发起应用由凭证组装器按引用解析 wxAppId。
    private WechatSdkCredential buildCredential(TransferStrategyContext context) {
-        WechatDirectChannelMerchant channelMerchant = wechatDirectChannelMerchantManager.lambdaQuery()
-                .eq(WechatDirectChannelMerchant::getChannelMchNo, context.getChannelMchNo())
-                .oneOpt()
+        WechatTransferConfig transferConfig = wechatTransferConfigManager
+                .findByChannelMchNo(context.getChannelMchNo())
                .orElseThrow(() -> new BizInfoException(DaxPayErrorCode.CONFIG_NOT_EXIST,
-                        "error.payment.channel.channelMerchantNotExist"));
-        if (StrUtil.isBlank(channelMerchant.getTransferScene())) {
+                        "error.channel.wechat.transferConfigNotConfigured"));
+        if (StrUtil.isBlank(transferConfig.getTransferScene())) {
            // 微信: 转账场景未配置
            throw new BizInfoException(DaxPayErrorCode.CONFIG_NOT_EXIST,
                    "error.channel.wechat.transferSceneNotConfigured");
        }
-        context.setTransferScene(channelMerchant.getTransferScene());
-        return wechatDirectConfigAssembler.buildConfig(
-                context.getMchNo(), context.getChannelMchNo(), null, null);
+        if (transferConfig.getTransferAppRefId() == null) {
+            // 微信: 转账发起应用未配置
+            throw new BizInfoException(DaxPayErrorCode.CONFIG_NOT_EXIST,
+                    "error.channel.wechat.transferAppNotConfigured");
+        }
+        context.setTransferScene(transferConfig.getTransferScene());
+        return wechatDirectConfigAssembler.buildTransferConfig(
+                context.getChannelMchNo(), transferConfig.getTransferAppRefId());
    }
 }
--- a/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/entity/WechatTransferOrder.java
+++ b/daxpay-payment/daxpay-payment-core/src/main/java/cn/daxpay/open/payment/trade/transfer/entity/WechatTransferOrder.java
@@ -73,9 +73,12 @@ public class WechatTransferOrder extends MchBaseEntity {
    /// 收款人微信 openid
    private String payeeOpenid;

-    /// 转账场景(冗余自通道商户配置)
+    /// 转账场景(冗余自转账配置)
    private String transferScene;

+    /// 转账发起应用AppId(从转账配置解析, openid归属校验/对账回查用)
+    private String wxAppId;
+
    /// 拉起转账确认参数(微信二次确认)
    private String transferBody;

--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/en-US/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChat only supports openid payee",
  "transferNameForbidden": "WeChat: payee name not allowed for amount below 0.3 CNY",
  "transferNameRequired": "WeChat: payee name required for amount >= 2000 CNY",
-
-  "transferSceneNotConfigured": "WeChat: transfer scene not configured"
+  "transferSceneNotConfigured": "WeChat: transfer scene not configured",
+  "transferConfigNotConfigured": "WeChat: Transfer config not configured",
+  "transferAppNotConfigured": "WeChat: Transfer initiator app not configured",
+  "transferAppNotExist": "WeChat: Transfer initiator app not found",
+  "transferAppNotBelong": "WeChat: Transfer initiator app does not belong to the current merchant",
+  "transferAppTypeNotOfficialAccount": "WeChat: Transfer initiator app must be an Official Account"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/id-ID/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChat hanya mendukung penerima openid",
  "transferNameForbidden": "WeChat: nama penerima tidak diizinkan untuk jumlah di bawah 0.3 CNY",
  "transferNameRequired": "WeChat: nama penerima wajib untuk jumlah >= 2000 CNY",
-
-  "transferSceneNotConfigured": "WeChat: skenario transfer belum dikonfigurasi"
+  "transferSceneNotConfigured": "WeChat: skenario transfer belum dikonfigurasi",
+  "transferConfigNotConfigured": "WeChat: Konfigurasi transfer belum dikonfigurasi",
+  "transferAppNotConfigured": "WeChat: Aplikasi inisiator transfer belum dikonfigurasi",
+  "transferAppNotExist": "WeChat: Aplikasi inisiator transfer tidak ditemukan",
+  "transferAppNotBelong": "WeChat: Aplikasi inisiator transfer bukan milik merchant saat ini",
+  "transferAppTypeNotOfficialAccount": "WeChat: Aplikasi inisiator transfer harus berjenis Official Account"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ja-JP/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChatはopenid受取人のみサポートしています",
  "transferNameForbidden": "WeChat: 0.3元未満は受取人氏名を入力できません",
  "transferNameRequired": "WeChat: 2000元以上は受取人氏名が必須です",
-
-  "transferSceneNotConfigured": "WeChat: 送金シーンが設定されていません"
+  "transferSceneNotConfigured": "WeChat: 送金シーンが設定されていません",
+  "transferConfigNotConfigured": "WeChat: 振込設定が未設定です",
+  "transferAppNotConfigured": "WeChat: 振込发起アプリが未設定です",
+  "transferAppNotExist": "WeChat: 振込发起アプリが見つかりません",
+  "transferAppNotBelong": "WeChat: 振込发起アプリは現在のマーチャントに属していません",
+  "transferAppTypeNotOfficialAccount": "WeChat: 振込发起アプリは公式アカウントタイプである必要があります"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ko-KR/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "위챗은 openid 수취인만 지원합니다",
  "transferNameForbidden": "위챗: 0.3원 미만은 수취인 이름을 입력할 수 없습니다",
  "transferNameRequired": "위챗: 2000원 이상은 수취인 이름이 필수입니다",
-
-  "transferSceneNotConfigured": "WeChat: 송금 장면이 구성되지 않았습니다"
+  "transferSceneNotConfigured": "WeChat: 송금 장면이 구성되지 않았습니다",
+  "transferConfigNotConfigured": "WeChat: 이체 설정이 구성되지 않았습니다",
+  "transferAppNotConfigured": "WeChat: 이체 발신 앱이 구성되지 않았습니다",
+  "transferAppNotExist": "WeChat: 이체 발신 앱을 찾을 수 없습니다",
+  "transferAppNotBelong": "WeChat: 이체 발신 앱이 현재 가맹점에 속하지 않습니다",
+  "transferAppTypeNotOfficialAccount": "WeChat: 이체 발신 앱은 공식계정 유형이어야 합니다"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/ms-MY/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChat hanya menyokong penerima openid",
  "transferNameForbidden": "WeChat: nama penerima tidak dibenarkan untuk jumlah di bawah 0.3 CNY",
  "transferNameRequired": "WeChat: nama penerima wajib untuk jumlah >= 2000 CNY",
-
-  "transferSceneNotConfigured": "WeChat: senario pindahan belum dikonfigurasi"
+  "transferSceneNotConfigured": "WeChat: senario pindahan belum dikonfigurasi",
+  "transferConfigNotConfigured": "WeChat: Konfigurasi pemindahan belum dikonfigurasi",
+  "transferAppNotConfigured": "WeChat: Aplikasi pemula pemindahan belum dikonfigurasi",
+  "transferAppNotExist": "WeChat: Aplikasi pemula pemindahan tidak dijumpai",
+  "transferAppNotBelong": "WeChat: Aplikasi pemula pemindahan tidak milik merchant semasa",
+  "transferAppTypeNotOfficialAccount": "WeChat: Aplikasi pemula pemindahan mesti jenis Official Account"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/th-TH/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChat รองรับผู้รับ openid เท่านั้น",
  "transferNameForbidden": "WeChat: ไม่อนุญาตให้ใส่ชื่อผู้รับเมื่อต่ำกว่า 0.3 หยวน",
  "transferNameRequired": "WeChat: ต้องใส่ชื่อผู้รับเมื่อมากกว่าหรือเท่ากับ 2000 หยวน",
-
-  "transferSceneNotConfigured": "WeChat: ยังไม่ได้กำหนดสถานการณ์การโอนเงิน"
+  "transferSceneNotConfigured": "WeChat: ยังไม่ได้กำหนดสถานการณ์การโอนเงิน",
+  "transferConfigNotConfigured": "WeChat: ยังไม่ได้กำหนดค่าการโอนเงิน",
+  "transferAppNotConfigured": "WeChat: ยังไม่ได้กำหนดค่าแอปเริ่มการโอน",
+  "transferAppNotExist": "WeChat: ไม่พบแอปเริ่มการโอน",
+  "transferAppNotBelong": "WeChat: แอปเริ่มการโอนไม่ได้เป็นของร้านค้าปัจจุบัน",
+  "transferAppTypeNotOfficialAccount": "WeChat: แอปเริ่มการโอนต้องเป็นประเภท Official Account"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/vi-VN/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "WeChat chỉ hỗ trợ người nhận openid",
  "transferNameForbidden": "WeChat: không được nhập tên người nhận khi dưới 0.3 CNY",
  "transferNameRequired": "WeChat: bắt buộc nhập tên người nhận khi >= 2000 CNY",
-
-  "transferSceneNotConfigured": "WeChat: chưa cấu hình kịch bản chuyển khoản"
+  "transferSceneNotConfigured": "WeChat: chưa cấu hình kịch bản chuyển khoản",
+  "transferConfigNotConfigured": "WeChat: Cấu hình chuyển khoản chưa được thiết lập",
+  "transferAppNotConfigured": "WeChat: Ứng dụng khởi tạo chuyển khoản chưa được thiết lập",
+  "transferAppNotExist": "WeChat: Không tìm thấy ứng dụng khởi tạo chuyển khoản",
+  "transferAppNotBelong": "WeChat: Ứng dụng khởi tạo chuyển khoản không thuộc merchant hiện tại",
+  "transferAppTypeNotOfficialAccount": "WeChat: Ứng dụng khởi tạo chuyển khoản phải là loại Official Account"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-CN/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "微信仅支持 openid 收款人",
  "transferNameForbidden": "微信: 小于0.3元不允许填收款人姓名",
  "transferNameRequired": "微信: 大于等于2000元必须填收款人姓名",
-
-  "transferSceneNotConfigured": "微信: 转账场景未配置"
+  "transferSceneNotConfigured": "微信: 转账场景未配置",
+  "transferConfigNotConfigured": "微信: 转账配置未配置",
+  "transferAppNotConfigured": "微信: 转账发起应用未配置",
+  "transferAppNotExist": "微信: 转账发起应用不存在",
+  "transferAppNotBelong": "微信: 转账发起应用不属于当前商户",
+  "transferAppTypeNotOfficialAccount": "微信: 转账发起应用必须是公众号类型"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-HK/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "微信僅支持 openid 收款人",
  "transferNameForbidden": "微信: 少於0.3元不允許填收款人姓名",
  "transferNameRequired": "微信: 大於等於2000元必須填收款人姓名",
-
-  "transferSceneNotConfigured": "微信: 轉賬場景未設定"
+  "transferSceneNotConfigured": "微信: 轉賬場景未設定",
+  "transferConfigNotConfigured": "微信: 轉帳設定未設定",
+  "transferAppNotConfigured": "微信: 轉帳發起應用未設定",
+  "transferAppNotExist": "微信: 轉帳發起應用不存在",
+  "transferAppNotBelong": "微信: 轉帳發起應用不屬於目前商戶",
+  "transferAppTypeNotOfficialAccount": "微信: 轉帳發起應用必須是公眾號類型"
 }
--- a/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/error/channel/wechat.json
+++ b/daxpay-platform/daxpay-platform-common/common-i18n/src/main/resources/i18n/zh-TW/error/channel/wechat.json
@@ -61,6 +61,10 @@
  "transferOnlyOpenid": "微信僅支持 openid 收款人",
  "transferNameForbidden": "微信: 小於0.3元不允許填收款人姓名",
  "transferNameRequired": "微信: 大於等於2000元必須填收款人姓名",
-
-  "transferSceneNotConfigured": "微信: 轉帳場景未設定"
+  "transferSceneNotConfigured": "微信: 轉帳場景未設定",
+  "transferConfigNotConfigured": "微信: 轉帳設定未設定",
+  "transferAppNotConfigured": "微信: 轉帳發起應用未設定",
+  "transferAppNotExist": "微信: 轉帳發起應用不存在",
+  "transferAppNotBelong": "微信: 轉帳發起應用不屬於目前商戶",
+  "transferAppTypeNotOfficialAccount": "微信: 轉帳發起應用必須是公眾號類型"
 }