refactor(merchant): 新增接入查询/权限具体服务类,为塌掉SPI接口做准备

- MerchantAccessQueryService: 商户/应用接入信息查询,返回精简DTO(不暴露JPA实体)
- MerchantPermissionService: 商户权限检查(开源版默认放行)
- 接入信息DTO(MerchantAccessInfo/MchAppInfoAccessInfo)置于merchant.dto

注: 仅新增具体类,6个SPI接口的删除与消费者重连待并行Agent(PaymentContext迁移)提交后再做

daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/merchant/dto/MchAppInfoAccessInfo.java

@@ -0,0 +1,20 @@
+package cn.daxpay.open.payment.merchant.dto;
+
+import lombok.Data;
+import lombok.experimental.Accessors;
+
+/// # 商户应用接入信息
+///
+@Data
+@Accessors(chain = true)
+public class MchAppInfoAccessInfo {
+
+    /// 应用号
+    private String appId;
+
+    /// 商户号
+    private String mchNo;
+
+    /// 应用状态
+    private String status;
+}

daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/merchant/dto/MerchantAccessInfo.java

@@ -0,0 +1,19 @@
+package cn.daxpay.open.payment.merchant.dto;
+
+import lombok.Data;
+import lombok.experimental.Accessors;
+
+/// # 商户接入信息
+///
+@Data
+@Accessors(chain = true)
+public class MerchantAccessInfo {
+
+    /// 商户号
+    private String mchNo;
+
+    /// 商户状态
+    private String status;
+
+
+}

daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/merchant/service/permission/MerchantPermissionService.java

@@ -0,0 +1,25 @@
+package cn.daxpay.open.payment.merchant.service.permission;
+
+import org.springframework.stereotype.Service;
+
+import java.util.Collections;
+import java.util.List;
+
+/// # 商户权限检查服务
+///
+/// 开源版默认放行,后续可扩展为真实 RBAC。
+@Service
+public class MerchantPermissionService {
+
+    public boolean hasApiPerm(String api) {
+        return true;
+    }
+
+    public boolean hasChannelPerm(String channel) {
+        return true;
+    }
+
+    public List<String> getAvailableChannel(String mchNo) {
+        return Collections.emptyList();
+    }
+}

daxpay-payment/daxpay-payment-common/src/main/java/cn/daxpay/open/payment/merchant/service/query/MerchantAccessQueryService.java

@@ -0,0 +1,61 @@
+package cn.daxpay.open.payment.merchant.service.query;
+
+import cn.daxpay.open.payment.merchant.dto.MchAppInfoAccessInfo;
+import cn.daxpay.open.payment.merchant.dto.MerchantAccessInfo;
+import cn.daxpay.open.payment.merchant.dao.appinfo.MchAppInfoManager;
+import cn.daxpay.open.payment.merchant.dao.info.MerchantInfoManager;
+import cn.daxpay.open.payment.merchant.entity.appinfo.MchAppInfo;
+import cn.daxpay.open.payment.merchant.entity.info.MerchantInfo;
+import cn.daxpay.open.payment.merchant.service.config.MerchantCredentialService;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Service;
+
+/// # 商户接入信息查询服务
+///
+/// 供支付总线层查询商户/应用的接入信息,返回精简 DTO,不暴露 JPA 实体。
+@Service
+@RequiredArgsConstructor
+public class MerchantAccessQueryService {
+    private final MerchantInfoManager merchantInfoManager;
+    private final MchAppInfoManager mchAppInfoManager;
+    private final MerchantCredentialService merchantCredentialService;
+
+    /// 根据商户号查询商户接入信息
+    public MerchantAccessInfo getMerchantByMchNo(String mchNo) {
+        return merchantInfoManager.findByMchNo(mchNo)
+                .map(this::toMerchantAccessInfo)
+                .orElse(null);
+    }
+
+    /// 根据商户号查询默认应用
+    public MchAppInfoAccessInfo getDefaultAppByMchNo(String mchNo) {
+        return mchAppInfoManager.findDefaultByMchNoNotTenant(mchNo)
+                .map(this::toMchAppInfoAccessInfo)
+                .orElse(null);
+    }
+
+    /// 根据应用号查询应用
+    public MchAppInfoAccessInfo getAppByAppId(String appId) {
+        return mchAppInfoManager.findByAppIdNotTenant(appId)
+                .map(this::toMchAppInfoAccessInfo)
+                .orElse(null);
+    }
+
+    /// 根据商户号查询商户公钥
+    public String findMerchantPublicKey(String mchNo) {
+        return merchantCredentialService.findByMchNo(mchNo).getPublicKey();
+    }
+
+    private MerchantAccessInfo toMerchantAccessInfo(MerchantInfo merchantInfo) {
+        return new MerchantAccessInfo()
+                .setMchNo(merchantInfo.getMchNo())
+                .setStatus(merchantInfo.getStatus());
+    }
+
+    private MchAppInfoAccessInfo toMchAppInfoAccessInfo(MchAppInfo mchApp) {
+        return new MchAppInfoAccessInfo()
+                .setAppId(mchApp.getAppId())
+                .setMchNo(mchApp.getMchNo())
+                .setStatus(mchApp.getStatus());
+    }
+}