feat(welfare): 提现人工审核流程 + 看广告每日时长限流(防刷主闸) (#15)

提现人工审核(提现不再即时打款):
- models/wallet.py: WithdrawOrder 状态机改为
  reviewing →(审核通过)→ pending → success/failed;reviewing →(驳回)→ rejected(已退款),
  默认态 pending → reviewing(扣现金建单但不打款);新增 user_name 列(实名, 微信达额转账要求)
- admin/routers/withdraw.py + admin/schemas/wallet.py: 运营后台审核接口(通过触发微信转账 / 驳回退款)
- api/v1/wallet.py + repositories/wallet.py: 发起提现进 reviewing 态, 驳回退回现金并写 withdraw_refund
- schemas/welfare.py: 提现出参增 reviewing/rejected 状态 + fail_reason

看广告每日时长限流(防刷主闸 + 次数兜底):
- 新增 models/ad_watch_log.py: 按 (user_id, watch_date) 聚合当日观看秒数
- 新增 repositories/ad_watch.py: watched_seconds_today / add_watch_seconds(夹 [0, MAX_SINGLE_WATCH_SECONDS])
- api/v1/ad.py: 新增 POST /ad/watch-report(JWT 取 user, 落时长返当日累计);
  /ad/reward-status 增 watched_seconds_today / limit / remaining
- schemas/ad.py: WatchReportIn/Out
- core/rewards.py: 新增 DAILY_AD_WATCH_SECONDS_LIMIT=50 分钟(主闸)+ MAX_SINGLE_WATCH_SECONDS=120;
  DAILY_AD_REWARD_LIMIT 20→200 改作次数兜底(防前端少报时长绕过时长闸, 又不误伤看短广告的正常用户)
- repositories/ad_reward.py + models/__init__.py: 接入新表与时长闸

alembic: withdraw_review_and_ad_watch 迁移(withdraw_order.user_name 列 + ad_watch_log 表)
tests: 补 test_ad_reward / test_withdraw

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

---------

Co-authored-by: pure <pure@192.168.0.104>
Reviewed-on: #15

app/admin/routers/withdraw.py

@@ -14,7 +14,7 @@ from app.admin.audit import write_audit
 from app.admin.deps import AdminDb, get_client_ip, get_current_admin, require_role
 from app.admin.repositories import queries
 from app.admin.schemas.common import CursorPage
-from app.admin.schemas.wallet import ReconcileResult, WithdrawOrderOut
+from app.admin.schemas.wallet import ReconcileResult, WithdrawOrderOut, WithdrawRejectRequest
 from app.integrations import wxpay
 from app.models.admin import AdminUser
 from app.repositories import wallet as wallet_repo
@@ -83,3 +83,58 @@ def refresh_withdraw(
         ip=get_client_ip(request), commit=True,
     )
     return WithdrawOrderOut.model_validate(refreshed)
+
+
+@router.post("/{out_bill_no}/approve", response_model=WithdrawOrderOut, summary="审核通过(发起微信打款)")
+def approve_withdraw_order(
+    out_bill_no: str,
+    request: Request,
+    admin: Annotated[AdminUser, Depends(require_role("finance"))],
+    db: AdminDb,
+) -> WithdrawOrderOut:
+    """审核通过 → 调微信转账。仅 reviewing 单可通过(非 reviewing 返 409,防重复打款)。
+
+    打款的钱逻辑(转账/查单/退款/幂等)复用 wallet_repo.approve_withdraw → execute_withdraw_transfer;
+    返回的 order 可能是 pending(在途/待用户确认)/success/failed(打款失败已退),admin 前端按 status 展示。
+    """
+    try:
+        order = wallet_repo.approve_withdraw(db, out_bill_no)
+    except wallet_repo.WithdrawOrderNotFound as e:
+        raise HTTPException(status_code=404, detail="提现单不存在") from e
+    except wallet_repo.WithdrawNotReviewable as e:
+        raise HTTPException(status_code=409, detail=str(e)) from e
+    except wxpay.WxPayNotConfiguredError as e:
+        raise HTTPException(status_code=503, detail="微信支付未配置") from e
+    write_audit(
+        db, admin, action="withdraw.approve", target_type="withdraw", target_id=out_bill_no,
+        detail={
+            "status": order.status,
+            "wechat_state": order.wechat_state,
+            "amount_cents": order.amount_cents,
+        },
+        ip=get_client_ip(request), commit=True,
+    )
+    return WithdrawOrderOut.model_validate(order)
+
+
+@router.post("/{out_bill_no}/reject", response_model=WithdrawOrderOut, summary="审核拒绝(退回现金)")
+def reject_withdraw_order(
+    out_bill_no: str,
+    body: WithdrawRejectRequest,
+    request: Request,
+    admin: Annotated[AdminUser, Depends(require_role("finance"))],
+    db: AdminDb,
+) -> WithdrawOrderOut:
+    """审核拒绝 → 退回用户现金 + 置 rejected,理由写入 fail_reason(用户可见)。仅 reviewing 单可拒。"""
+    try:
+        order = wallet_repo.reject_withdraw(db, out_bill_no, body.reason)
+    except wallet_repo.WithdrawOrderNotFound as e:
+        raise HTTPException(status_code=404, detail="提现单不存在") from e
+    except wallet_repo.WithdrawNotReviewable as e:
+        raise HTTPException(status_code=409, detail=str(e)) from e
+    write_audit(
+        db, admin, action="withdraw.reject", target_type="withdraw", target_id=out_bill_no,
+        detail={"reason": body.reason, "amount_cents": order.amount_cents},
+        ip=get_client_ip(request), commit=True,
+    )
+    return WithdrawOrderOut.model_validate(order)

app/admin/schemas/wallet.py

@@ -3,7 +3,7 @@ from __future__ import annotations
 
 from datetime import datetime
 
-from pydantic import BaseModel, ConfigDict
+from pydantic import BaseModel, ConfigDict, Field
 
 
 class CoinTxnOut(BaseModel):
@@ -39,6 +39,7 @@ class WithdrawOrderOut(BaseModel):
     user_id: int
     out_bill_no: str
     amount_cents: int
+    user_name: str | None = None  # 提现实名(审核核对 + 打款用)
     status: str
     wechat_state: str | None = None
     transfer_bill_no: str | None = None
@@ -50,3 +51,9 @@ class WithdrawOrderOut(BaseModel):
 class ReconcileResult(BaseModel):
     checked: int
     resolved: int
+
+
+class WithdrawRejectRequest(BaseModel):
+    reason: str = Field(
+        ..., min_length=1, max_length=200, description="拒绝理由(写入 fail_reason,用户可见)"
+    )