feat(invite): 邀请奖励金账户(与金币隔离) + 比价发奖 + 奖励金提现

- 新增邀请奖励金独立账本: coin_account 加余额列 + invite_cash_transaction 流水表, 与金币现金物理隔离
- bind 改 v2: 绑定只发被邀请人新人金币; 邀请人改在好友首次成功比价时发 2 元奖励金(幂等只发一次)
- 提现链路按 source 分流: 扣款/退款/对账/分页各认账户, 两本账不串
- /invite/me 返回奖励金余额/累计提现/7天倒计时
- 新增 migration(建表加列) + 比价发奖与提现隔离测试

tests/test_invite.py

@@ -11,7 +11,6 @@ from sqlalchemy import select
 from app.core.rewards import (
     INVITE_FP_WINDOW_DAYS,
     INVITE_INVITEE_COINS,
-    INVITE_INVITER_COINS,
     INVITE_NEW_USER_WINDOW_HOURS,
 )
 from app.db.session import SessionLocal
@@ -56,8 +55,8 @@ def test_invite_me_returns_stable_code(client) -> None:
     assert _my_code(client, token) == body["invite_code"]
 
 
-def test_bind_flow_both_get_coins(client) -> None:
-    """B 用 A 的码绑定 → 双方各得 1 万金币;A 战绩 +1。"""
+def test_bind_flow_invitee_gets_coins(client) -> None:
+    """v2:B 用 A 的码绑定 → 只有被邀请人 B 得新人金币;邀请人 A 绑定时不发(改比价发现金)。"""
     a = _login(client, "13800002002")
     b = _login(client, "13800002003")
     a_code = _my_code(client, a)
@@ -71,14 +70,14 @@ def test_bind_flow_both_get_coins(client) -> None:
     assert res["status"] == "success"
     assert res["coins_awarded"] == INVITE_INVITEE_COINS
 
-    # 双方金币到账
+    # 被邀请人金币到账;邀请人绑定时不发金币(v2 改"好友比价发 2 元邀请奖励金")
     assert _coin_balance(client, b) == INVITE_INVITEE_COINS
-    assert _coin_balance(client, a) == INVITE_INVITER_COINS
+    assert _coin_balance(client, a) == 0
 
-    # A 的战绩:已邀 1 人,累计获得 = 邀请人那份
+    # A 的战绩:已邀 1 人;金币口径收益为 0(邀请人收益改走邀请奖励金,见 try_reward_on_compare)
     r = client.get("/api/v1/invite/me", headers=_auth(a))
     assert r.json()["invited_count"] == 1
-    assert r.json()["coins_earned"] == INVITE_INVITER_COINS
+    assert r.json()["coins_earned"] == 0
 
 
 def test_bind_idempotent_no_double_reward(client) -> None:
@@ -217,8 +216,8 @@ def test_bind_by_fingerprint_success(client) -> None:
     )
     assert r2.status_code == 200, r2.text
     assert r2.json()["status"] == "success"
-    # 双方各发金币
-    assert _coin_balance(client, a) == INVITE_INVITER_COINS
+    # v2:只被邀请人发新人金币;邀请人绑定不发(改比价发现金)
+    assert _coin_balance(client, a) == 0
     assert _coin_balance(client, b) == INVITE_INVITEE_COINS
 
 
@@ -322,7 +321,8 @@ def test_invitees_basic(client) -> None:
     names = {it["display_name"] for it in body["items"]}
     assert names == expected_names
     assert all(it["avatar_url"] is None for it in body["items"])
-    assert all(it["coins"] == INVITE_INVITER_COINS for it in body["items"])
+    # v2:绑定时邀请人那份为 0(收益改"好友比价才发奖"),故每条 coins 字段=0
+    assert all(it["coins"] == 0 for it in body["items"])
 
 
 def test_invitees_order_desc(client) -> None:

tests/test_invite_cash_withdraw.py

@@ -0,0 +1,193 @@
+"""邀请奖励金提现账户隔离测试:提现扣 invite_cash 账户、退款退回 invite_cash、与金币现金不串、
+/invite/me 返回奖励金战绩、提现单 source 过滤。复用 test_withdraw 的 wxpay monkeypatch 模式。
+"""
+from __future__ import annotations
+
+from sqlalchemy import select
+
+from app.db.session import SessionLocal
+from app.models.user import User
+from app.models.wallet import CoinAccount, InviteCashTransaction
+from app.repositories import wallet as crud_wallet
+
+
+def _login(client, phone: str) -> str:
+    client.post("/api/v1/auth/sms/send", json={"phone": phone})
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["access_token"]
+
+
+def _auth(token: str) -> dict[str, str]:
+    return {"Authorization": f"Bearer {token}"}
+
+
+def _patch_userinfo(monkeypatch, openid: str) -> None:
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": openid, "nickname": None, "avatar_url": None, "raw": {}},
+    )
+
+
+def _seed_balances(client, token: str, phone: str, *, cash: int = 0, invite_cash: int = 0) -> None:
+    """访问 /account 触发建账户,再 DB 直接灌两个账户余额(没有"加钱"接口,正常靠兑换/发奖)。"""
+    client.get("/api/v1/wallet/account", headers=_auth(token))
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        acc = db.get(CoinAccount, user.id)
+        acc.cash_balance_cents = cash
+        acc.invite_cash_balance_cents = invite_cash
+        db.commit()
+    finally:
+        db.close()
+
+
+def _balances(client, token: str) -> tuple[int, int]:
+    j = client.get("/api/v1/wallet/account", headers=_auth(token)).json()
+    return j["cash_balance_cents"], j["invite_cash_balance_cents"]
+
+
+def _reject(bill: str, reason: str = "测试拒绝") -> None:
+    db = SessionLocal()
+    try:
+        crud_wallet.reject_withdraw(db, bill, reason)
+    finally:
+        db.close()
+
+
+def test_invite_cash_withdraw_deducts_invite_account(client, monkeypatch) -> None:
+    """source=invite_cash 提现 → 扣 invite_cash_balance_cents,不动 cash;流水落 invite_cash_transaction。"""
+    _patch_userinfo(monkeypatch, "openid_ic_1")
+    token = _login(client, "13800004001")
+    _seed_balances(client, token, "13800004001", cash=300, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    assert r.status_code == 200, r.text
+    assert r.json()["status"] == "reviewing"
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 300       # 扣了邀请奖励金
+    assert cash == 300              # 金币现金没动
+
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == "13800004001")).scalar_one()
+        txns = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == user.id,
+                InviteCashTransaction.biz_type == "invite_withdraw",
+            )
+        ).scalars().all()
+        assert len(txns) == 1 and txns[0].amount_cents == -200
+    finally:
+        db.close()
+    orders = client.get("/api/v1/wallet/withdraw-orders", headers=_auth(token)).json()["items"]
+    assert orders[0]["source"] == "invite_cash"
+
+
+def test_invite_cash_reject_refunds_invite_account(client, monkeypatch) -> None:
+    """拒绝 invite_cash 提现 → 退回 invite_cash,不串金币现金;退款流水落 invite_cash_transaction。"""
+    _patch_userinfo(monkeypatch, "openid_ic_2")
+    token = _login(client, "13800004002")
+    _seed_balances(client, token, "13800004002", cash=0, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    bill = r.json()["out_bill_no"]
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 300 and cash == 0    # 扣后
+
+    _reject(bill)
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 500    # 退回邀请奖励金
+    assert cash == 0             # 没串进现金
+
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == "13800004002")).scalar_one()
+        refunds = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == user.id,
+                InviteCashTransaction.biz_type == "invite_withdraw_refund",
+            )
+        ).scalars().all()
+        assert len(refunds) == 1 and refunds[0].amount_cents == 200
+    finally:
+        db.close()
+
+
+def test_two_accounts_withdraw_independent(client, monkeypatch) -> None:
+    """两账户各提各的不串:先提 invite_cash(拒绝结清),再提 cash,各扣各账户。
+    注:一个用户同一时间只能一个活跃提现单(跨账户),故第二笔需先结清第一笔。"""
+    _patch_userinfo(monkeypatch, "openid_ic_3")
+    token = _login(client, "13800004003")
+    _seed_balances(client, token, "13800004003", cash=400, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    _reject(r1.json()["out_bill_no"])    # 退回 invite_cash + 结清活跃单
+    r2 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 100, "source": "coin_cash"},
+        headers=_auth(token),
+    )
+    assert r2.json()["status"] == "reviewing"
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 500    # 已退回
+    assert cash == 300           # 扣了 cash 100
+
+
+def test_invite_me_returns_reward_stats(client) -> None:
+    """/invite/me 返回 reward_balance_cents(可提现奖励金)。"""
+    token = _login(client, "13800004004")
+    _seed_balances(client, token, "13800004004", invite_cash=350)
+    j = client.get("/api/v1/invite/me", headers=_auth(token)).json()
+    assert j["reward_balance_cents"] == 350
+    assert j["reward_withdrawn_cents"] == 0
+
+
+def test_withdraw_orders_source_filter(client, monkeypatch) -> None:
+    """/wallet/withdraw-orders?source=invite_cash 只返回邀请奖励金提现单。"""
+    _patch_userinfo(monkeypatch, "openid_ic_5")
+    token = _login(client, "13800004005")
+    _seed_balances(client, token, "13800004005", cash=400, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    _reject(r1.json()["out_bill_no"])    # 结清,才能提第二笔
+    client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 100, "source": "coin_cash"},
+        headers=_auth(token),
+    )
+
+    all_orders = client.get("/api/v1/wallet/withdraw-orders", headers=_auth(token)).json()["items"]
+    invite_orders = client.get(
+        "/api/v1/wallet/withdraw-orders", params={"source": "invite_cash"}, headers=_auth(token)
+    ).json()["items"]
+    coin_orders = client.get(
+        "/api/v1/wallet/withdraw-orders", params={"source": "coin_cash"}, headers=_auth(token)
+    ).json()["items"]
+    assert len(all_orders) == 2
+    assert len(invite_orders) == 1 and invite_orders[0]["source"] == "invite_cash"
+    assert len(coin_orders) == 1 and coin_orders[0]["source"] == "coin_cash"

tests/test_invite_compare_reward.py

@@ -0,0 +1,114 @@
+"""邀请 v2 比价发奖测试:好友完成成功比价 → 邀请人得邀请奖励金(独立账户),幂等只发一次,
+账户隔离不串金币/现金。被邀请人保留"绑定即得新人金币"由 test_invite.py 覆盖。
+"""
+from __future__ import annotations
+
+from sqlalchemy import select
+
+from app.core.rewards import INVITE_COMPARE_REWARD_CENTS
+from app.db.session import SessionLocal
+from app.models.wallet import CoinAccount, InviteCashTransaction
+from app.repositories.user import get_user_by_phone
+
+
+def _login(client, phone: str) -> str:
+    client.post("/api/v1/auth/sms/send", json={"phone": phone})
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["access_token"]
+
+
+def _auth(token: str) -> dict[str, str]:
+    return {"Authorization": f"Bearer {token}"}
+
+
+def _my_code(client, token: str) -> str:
+    return client.get("/api/v1/invite/me", headers=_auth(token)).json()["invite_code"]
+
+
+def _bind(client, token: str, code: str):
+    return client.post("/api/v1/invite/bind", json={"invite_code": code}, headers=_auth(token))
+
+
+def _report_compare(client, token: str, trace_id: str, status: str = "success"):
+    return client.post(
+        "/api/v1/compare/record",
+        json={"trace_id": trace_id, "status": status},
+        headers=_auth(token),
+    )
+
+
+def _invite_cash(phone: str) -> int:
+    """被试用户的邀请奖励金余额(分)。专用查询端点见小步3,这里直接查 DB。"""
+    with SessionLocal() as db:
+        u = get_user_by_phone(db, phone)
+        acc = db.get(CoinAccount, u.id) if u else None
+        return acc.invite_cash_balance_cents if acc else 0
+
+
+def test_compare_reward_granted_to_inviter(client) -> None:
+    """B 被 A 邀请后完成一次成功比价 → A 得邀请奖励金 2 元(独立账户),B 不得该奖。"""
+    a = _login(client, "13800003001")
+    b = _login(client, "13800003002")
+    _bind(client, b, _my_code(client, a))
+
+    assert _invite_cash("13800003001") == 0                            # 发奖前
+
+    r = _report_compare(client, b, "trace-reward-1")
+    assert r.status_code == 200, r.text
+
+    assert _invite_cash("13800003001") == INVITE_COMPARE_REWARD_CENTS  # 邀请人到账
+    assert _invite_cash("13800003002") == 0                            # 被邀请人不得此奖
+
+
+def test_compare_reward_idempotent(client) -> None:
+    """好友比价多次 → 只发一次(compare_reward_granted 幂等)。"""
+    a = _login(client, "13800003003")
+    b = _login(client, "13800003004")
+    _bind(client, b, _my_code(client, a))
+
+    _report_compare(client, b, "trace-idem-1")
+    _report_compare(client, b, "trace-idem-2")    # 第二次比价(不同 trace)
+    _report_compare(client, b, "trace-idem-1")    # 重复上报同 trace
+
+    assert _invite_cash("13800003003") == INVITE_COMPARE_REWARD_CENTS  # 仍只发一次
+
+
+def test_compare_no_relation_no_reward(client) -> None:
+    """没有邀请关系的人比价 → 不发奖(没人是他的邀请人)。"""
+    x = _login(client, "13800003005")
+    r = _report_compare(client, x, "trace-norel-1")
+    assert r.status_code == 200, r.text
+    assert _invite_cash("13800003005") == 0
+
+
+def test_compare_failed_no_reward(client) -> None:
+    """失败的比价(status=failed)不触发发奖。"""
+    a = _login(client, "13800003006")
+    b = _login(client, "13800003007")
+    _bind(client, b, _my_code(client, a))
+
+    _report_compare(client, b, "trace-fail-1", status="failed")
+    assert _invite_cash("13800003006") == 0
+
+
+def test_compare_reward_isolated_from_coin_cash(client) -> None:
+    """账户隔离:邀请奖励金进 invite_cash,不串 cash_balance_cents;流水落 invite_cash_transaction。"""
+    a = _login(client, "13800003008")
+    b = _login(client, "13800003009")
+    _bind(client, b, _my_code(client, a))
+    _report_compare(client, b, "trace-iso-1")
+
+    with SessionLocal() as db:
+        ua = get_user_by_phone(db, "13800003008")
+        acc = db.get(CoinAccount, ua.id)
+        assert acc.invite_cash_balance_cents == INVITE_COMPARE_REWARD_CENTS  # 奖励金到账
+        assert acc.cash_balance_cents == 0                                   # 没串进金币现金
+        txns = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == ua.id,
+                InviteCashTransaction.biz_type == "invite_reward",
+            )
+        ).scalars().all()
+        assert len(txns) == 1
+        assert txns[0].amount_cents == INVITE_COMPARE_REWARD_CENTS