feat: 后端接入微信提现人工审核与资金安全校验

提现申请改为先扣款并进入待审核，审核通过后才发起微信打款，审核拒绝或微信失败时自动退款。

新增运营后台提现列表的关键词搜索、日期筛选、快捷筛选和排序参数，并支持批量通过、批量拒绝、批量刷新查单。

新增微信支付配置健康检查、现金账本校验、自动对账 worker 和单实例保护。

新增数据库唯一索引，约束同一用户未完成提现和同一提现单重复退款，提升并发安全性。

app/core/config.py

@@ -102,6 +102,9 @@ class Settings(BaseSettings):
     WXPAY_PUBLIC_KEY_PATH: str = "./secrets/pub_key.pem"             # 微信支付平台公钥
     WXPAY_TRANSFER_SCENE_ID: str = "1000"  # 转账场景 ID(1000=现金营销)
     WXPAY_REQUEST_TIMEOUT_SEC: int = 10
+    WITHDRAW_AUTO_RECONCILE_ENABLED: bool = False
+    WITHDRAW_AUTO_RECONCILE_INTERVAL_SEC: int = 300
+    WITHDRAW_AUTO_RECONCILE_OLDER_THAN_MINUTES: int = 15
     # 免确认收款授权(用户授权免确认模式)的授权结果回调地址,必须公网可访问 HTTPS、不带参数。
     # 发起授权 / 首单顺带授权时作为 authorization_notify_url 传给微信。一期不处理回调内容
     # (授权状态靠 query 查询兜底),但微信要求该字段非空,故启用免确认前必须配置;留空时免确认相关接口返回未配置。

app/core/withdraw_reconcile_worker.py

@@ -0,0 +1,118 @@
+"""提现 pending 单自动对账后台任务。"""
+from __future__ import annotations
+
+import asyncio
+import contextlib
+import logging
+import os
+import time
+from collections.abc import Iterator
+from pathlib import Path
+
+from sqlalchemy.exc import SQLAlchemyError
+
+from app.core.config import settings
+from app.db.session import SessionLocal
+from app.integrations.wxpay import WxPayNotConfiguredError
+from app.repositories import wallet as wallet_repo
+
+logger = logging.getLogger("shagua.withdraw_reconcile")
+_LOCK_PATH = Path(__file__).resolve().parents[2] / "data" / "withdraw_reconcile.lock"
+
+
+def _touch_lock() -> None:
+    with contextlib.suppress(FileNotFoundError):
+        os.utime(_LOCK_PATH, None)
+
+
+@contextlib.contextmanager
+def _single_instance_lock(stale_after_sec: int) -> Iterator[bool]:
+    """同机多进程保护:同一时间只允许一个自动查单 worker 运行。"""
+    _LOCK_PATH.parent.mkdir(parents=True, exist_ok=True)
+    fd: int | None = None
+    try:
+        try:
+            fd = os.open(str(_LOCK_PATH), os.O_CREAT | os.O_EXCL | os.O_WRONLY)
+        except FileExistsError:
+            try:
+                age = time.time() - _LOCK_PATH.stat().st_mtime
+            except FileNotFoundError:
+                age = stale_after_sec + 1
+            if age > stale_after_sec:
+                with contextlib.suppress(FileNotFoundError):
+                    _LOCK_PATH.unlink()
+                try:
+                    fd = os.open(str(_LOCK_PATH), os.O_CREAT | os.O_EXCL | os.O_WRONLY)
+                except FileExistsError:
+                    fd = None
+
+        if fd is None:
+            yield False
+            return
+
+        os.write(fd, f"pid={os.getpid()} started_at={int(time.time())}\n".encode("ascii"))
+        yield True
+    finally:
+        if fd is not None:
+            os.close(fd)
+            with contextlib.suppress(FileNotFoundError):
+                _LOCK_PATH.unlink()
+
+
+def _reconcile_once(older_than_minutes: int) -> dict:
+    with SessionLocal() as db:
+        return wallet_repo.reconcile_pending_withdraws(db, older_than_minutes=older_than_minutes)
+
+
+async def _run_loop() -> None:
+    interval = max(30, int(settings.WITHDRAW_AUTO_RECONCILE_INTERVAL_SEC))
+    older_than = max(1, int(settings.WITHDRAW_AUTO_RECONCILE_OLDER_THAN_MINUTES))
+    lock_stale_after = max(interval * 3, 600)
+    with _single_instance_lock(lock_stale_after) as lock_acquired:
+        if not lock_acquired:
+            logger.warning("withdraw auto reconcile skipped: another worker owns lock")
+            return
+
+        await _run_locked_loop(interval, older_than)
+
+
+async def _run_locked_loop(interval: int, older_than: int) -> None:
+    logger.info(
+        "withdraw auto reconcile started interval=%ss older_than=%sm",
+        interval,
+        older_than,
+    )
+    try:
+        while True:
+            try:
+                _touch_lock()
+                result = await asyncio.to_thread(_reconcile_once, older_than)
+                if result["checked"] or result["resolved"]:
+                    logger.info("withdraw auto reconcile result=%s", result)
+            except WxPayNotConfiguredError:
+                logger.warning("withdraw auto reconcile skipped: wxpay not configured")
+            except SQLAlchemyError:
+                logger.exception("withdraw auto reconcile db error")
+            except Exception:  # noqa: BLE001 - 后台任务不能因单次异常退出
+                logger.exception("withdraw auto reconcile unexpected error")
+            await asyncio.sleep(interval)
+    except asyncio.CancelledError:
+        logger.info("withdraw auto reconcile stopped")
+        raise
+
+
+def start_withdraw_reconcile_worker() -> asyncio.Task | None:
+    if not settings.WITHDRAW_AUTO_RECONCILE_ENABLED:
+        logger.info("withdraw auto reconcile disabled")
+        return None
+    if not settings.wxpay_configured:
+        logger.warning("withdraw auto reconcile enabled but wxpay not configured")
+    return asyncio.create_task(_run_loop(), name="withdraw-auto-reconcile")
+
+
+async def stop_withdraw_reconcile_worker(task: asyncio.Task | None) -> None:
+    if task is None:
+        return
+    task.cancel()
+    with contextlib.suppress(asyncio.CancelledError):
+        await task