fix(withdraw): 提现账本校验按 source 分账,邀请奖励金提现纳入对账

线上后台「提现审核」页现金账本报红(缺扣款/缺退款流水),根因是
withdraw_ledger_check 用全部提现单去比对普通现金流水(cash_transaction),
而 source=invite_cash 的提现,其扣款/退款流水写在独立的 invite_cash_transaction
表,于是每笔邀请提现单都在普通现金流水里找不到、被误报为「缺流水」。

改动:
- 抽出 _check_withdraw_ledger_side 复用单账核对逻辑;withdraw_ledger_check
  改为按 order.source 分两本账各自对账:
  coin_cash ↔ cash_transaction(withdraw/withdraw_refund),
  invite_cash ↔ invite_cash_transaction(invite_withdraw/invite_withdraw_refund)。
- 邀请奖励金账户的余额差额也纳入校验(此前完全未对账)。
- 纯只读校验,不改任何资金/流水写入;不掩盖真实缺流水
  (coin_cash 单若真缺流水仍照报)。
- WithdrawLedgerCheckOut 新增 7 个 invite_* 字段(默认 0,向后兼容)。
- 补 tests/test_withdraw_ledger_check.py(此前无 ledger-check 测试):
  覆盖邀请提现不再误报、邀请账缺流水能被抓、普通现金账未回归。

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

tests/test_withdraw_ledger_check.py

@@ -0,0 +1,150 @@
+"""提现现金账本校验(admin ledger-check)测试:两本物理隔离的账各自对账。
+
+历史盲区:`withdraw_ledger_check` 曾拿全部提现单去和**普通现金流水**(cash_transaction)比对,
+而 source=invite_cash 的提现单流水其实在 invite_cash_transaction 表,导致每笔邀请提现单都被
+误报「缺扣款/缺退款流水」。这里用真实提现 API 造单 + before/after 差值断言锁定修复:
+  1) 邀请提现单不再污染普通现金账的缺流水计数;
+  2) 邀请账户已被纳入对账(能抓到它自己的缺流水);
+  3) 普通现金账的原有对账未被改坏。
+
+conftest 的库是 session 级共享、测试间不清,故一律用 before/after 差值,只反映本用例造的数据。
+"""
+from __future__ import annotations
+
+from sqlalchemy import delete, select
+
+from app.admin.repositories.queries import withdraw_ledger_check
+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:
+    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 _reject(bill: str, reason: str = "测试拒绝") -> None:
+    db = SessionLocal()
+    try:
+        crud_wallet.reject_withdraw(db, bill, reason)
+    finally:
+        db.close()
+
+
+def _ledger() -> dict:
+    db = SessionLocal()
+    try:
+        return withdraw_ledger_check(db)
+    finally:
+        db.close()
+
+
+def test_rejected_invite_withdraw_not_flagged_missing(client, monkeypatch) -> None:
+    """核心回归:一笔被拒绝的 invite_cash 提现单,扣款/退款流水都在 invite_cash_transaction,
+    不应让普通现金账的缺扣款/缺退款计数增加(修复前每笔会各 +1)。"""
+    before = _ledger()
+
+    _patch_userinfo(monkeypatch, "openid_lc_1")
+    token = _login(client, "13800005001")
+    _seed_balances(client, token, "13800005001", 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),
+    )
+    assert r.status_code == 200, r.text
+    _reject(r.json()["out_bill_no"])  # rejected + 退款流水落 invite_cash_transaction
+
+    after = _ledger()
+
+    # 普通现金账不该因这笔 invite 单产生缺流水(修复前会各 +1 → 就是页面上看到的误报)
+    assert after["missing_withdraw_txn_count"] == before["missing_withdraw_txn_count"]
+    assert after["missing_refund_txn_count"] == before["missing_refund_txn_count"]
+    # 邀请账扣款 + 退款流水齐全,邀请账自身也不该缺
+    assert after["invite_missing_withdraw_txn_count"] == before["invite_missing_withdraw_txn_count"]
+    assert after["invite_missing_refund_txn_count"] == before["invite_missing_refund_txn_count"]
+
+
+def test_invite_ledger_detects_missing_withdraw_txn(client, monkeypatch) -> None:
+    """删掉一笔 invite 提现单的扣款流水 → 邀请账缺扣款计数 +1、ok=False,
+    证明邀请账户已真正纳入对账(修复前邀请账完全不校验、永远报不出问题)。"""
+    _patch_userinfo(monkeypatch, "openid_lc_2")
+    token = _login(client, "13800005002")
+    _seed_balances(client, token, "13800005002", 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"]
+
+    before = _ledger()
+    db = SessionLocal()
+    try:
+        db.execute(
+            delete(InviteCashTransaction).where(
+                InviteCashTransaction.ref_id == bill,
+                InviteCashTransaction.biz_type == "invite_withdraw",
+            )
+        )
+        db.commit()
+    finally:
+        db.close()
+    after = _ledger()
+
+    assert (
+        after["invite_missing_withdraw_txn_count"]
+        == before["invite_missing_withdraw_txn_count"] + 1
+    )
+    assert after["ok"] is False
+
+
+def test_coin_cash_withdraw_still_reconciled(client, monkeypatch) -> None:
+    """普通现金 coin_cash 提现单齐全时不新增缺流水(确保分账改造没弄坏原有普通现金对账)。"""
+    _patch_userinfo(monkeypatch, "openid_lc_3")
+    token = _login(client, "13800005003")
+    _seed_balances(client, token, "13800005003", cash=500, invite_cash=0)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    before = _ledger()
+    r = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "coin_cash"},
+        headers=_auth(token),
+    )
+    assert r.status_code == 200, r.text
+    after = _ledger()
+
+    # 普通现金提现扣款流水随单写入 cash_transaction,缺扣款计数不变;邀请账更不受影响
+    assert after["missing_withdraw_txn_count"] == before["missing_withdraw_txn_count"]
+    assert after["invite_missing_withdraw_txn_count"] == before["invite_missing_withdraw_txn_count"]