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feat(wallet): 解绑微信时待审核提现「立即退回现金」

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原实现只清 openid,reviewing 单的退款推迟到管理员审核打款(execute_withdraw_transfer
回读空 openid)才触发——用户解绑后后台仍挂单、现金不即时退回。改为 force 解绑时直接对
所有 reviewing 单走 _refund_withdraw 立即退回现金 + 置终态(新增 refund_reviewing_
withdraws_on_unbind),让提示文案名副其实、后台不再挂死单。_refund_withdraw 加可选
remark 自定义流水文案。同步 docs/api。

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
This commit is contained in:
OuYingJun1024
2026-06-12 14:29:50 +08:00
parent 0290b3c480
commit 401c24d15d
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docs/api/wallet-unbind-wechat.md
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**有待审核提现时的二次确认**:用户有 `reviewing`(待审核)状态的提现单且未带 `force=true` 时,**首次解绑被拦下**——不清 openid,返回 `bound`(真实绑定态)+ `needs_confirm=true` + `message`。客户端据此弹确认弹窗,用户确认后带 `force=true` 再调一次即放行解绑。
> 只拦 `reviewing`:这类单还没打款,解绑后审核时回读到空 openid → 自动退回现金余额(钱不丢,见 [`execute_withdraw_transfer`](../../app/repositories/wallet.py)),用户需知情。`pending`(打款在途)单转账已发起、解绑影响不到、照常打款到微信,故**不拦**。
> 只拦 `reviewing`:这类单还没打款,用户确认解绑(`force=true`)时**立即退回现金余额**(写 `withdraw_refund` 流水、单子置终态),后台不再挂单、不必等管理员审核。`pending`(打款在途)单转账已发起、解绑影响不到、照常打款到微信,故**不拦**。