feat(wxpay): 提现 debug 免人工审核直发 + 修复 user_display_name 被微信拒收

- WithdrawRequest 加 skip_review 字段;/withdraw 在 skip_review 且非生产(APP_ENV!=prod)
  时,建单后立即 execute_withdraw_transfer 直发、跳过人工审核。双闸:仅 debug 客户端下发
  + 服务端非 prod 才认,生产恒走人工审核。便于本地/联调直接测提现到账链路。
- 修 _auth_display_name:微信 user_display_name 校验极严,空格和标点也按"控制字符"拒收
  (实测 'wonderable ai' 因空格被 400,'wonderableai'/'周周'/'傻瓜比价用户8888' 才过)。
  原清洗只去星形面字符(ord>0xFFFF),漏掉 BMP emoji/空格/标点/控制符/零宽符。改为白名单:
  只保留 Unicode 文字(L*)+ 数字(N*),其余全剔,清空兜底手机号尾号。修复昵称含空格/emoji
  的用户发起免确认收款授权直接 400、提现打款失败的问题。

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

alembic/versions/wechat_transfer_authorization.py

@@ -0,0 +1,48 @@
+"""wechat_transfer_authorization 表(免确认收款授权)
+
+商家转账「用户授权免确认收款模式」:用户授权一次后,后续提现免逐笔确认直接到账。
+一个用户一条(user_id 主键)。out_authorization_no 我方生成,authorization_id 微信 active 后返回。
+
+Revision ID: wx_transfer_auth
+Revises: withdraw_review_ad_watch
+Create Date: 2026-06-06 12:00:00.000000
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision: str = 'wx_transfer_auth'
+down_revision: Union[str, Sequence[str], None] = 'withdraw_review_ad_watch'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    op.create_table(
+        'wechat_transfer_authorization',
+        sa.Column('user_id', sa.Integer(), nullable=False),
+        sa.Column('openid', sa.String(length=64), nullable=False),
+        sa.Column('out_authorization_no', sa.String(length=64), nullable=False),
+        sa.Column('authorization_id', sa.String(length=64), nullable=True),
+        sa.Column('state', sa.String(length=16), server_default='pending', nullable=False),
+        sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('(CURRENT_TIMESTAMP)'), nullable=False),
+        sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('(CURRENT_TIMESTAMP)'), nullable=False),
+        sa.ForeignKeyConstraint(['user_id'], ['user.id'], ),
+        sa.PrimaryKeyConstraint('user_id'),
+    )
+    with op.batch_alter_table('wechat_transfer_authorization', schema=None) as batch_op:
+        batch_op.create_index(
+            batch_op.f('ix_wechat_transfer_authorization_out_authorization_no'),
+            ['out_authorization_no'],
+            unique=True,
+        )
+
+
+def downgrade() -> None:
+    with op.batch_alter_table('wechat_transfer_authorization', schema=None) as batch_op:
+        batch_op.drop_index(batch_op.f('ix_wechat_transfer_authorization_out_authorization_no'))
+    op.drop_table('wechat_transfer_authorization')

app/api/v1/wallet.py

@@ -33,6 +33,8 @@ from app.schemas.welfare import (
     ExchangeInfoOut,
     ExchangeRequest,
     ExchangeResultOut,
+    TransferAuthResultOut,
+    TransferAuthStatusOut,
     UnbindWechatResultOut,
     WithdrawInfoOut,
     WithdrawOrderOut,
@@ -155,15 +157,18 @@ def unbind_wechat(user: CurrentUser, db: DbSession) -> UnbindWechatResultOut:
     return UnbindWechatResultOut(bound=False)
 
 
-@router.get("/withdraw-info", response_model=WithdrawInfoOut, summary="提现额度/绑定状态")
+@router.get("/withdraw-info", response_model=WithdrawInfoOut, summary="提现额度/绑定状态/免确认开关")
 def withdraw_info(user: CurrentUser, db: DbSession) -> WithdrawInfoOut:
     u = db.get(User, user.id)
+    # 顺带同步免确认授权状态(捕获首单确认后已生效的授权 pending→active),让开关展示实时
+    auth = crud_wallet.sync_transfer_auth(db, user.id)
     return WithdrawInfoOut(
         min_cents=WITHDRAW_MIN_CENTS,
         max_cents=WITHDRAW_MAX_CENTS,
         wechat_bound=bool(u and u.wechat_openid),
         wechat_nickname=u.wechat_nickname if u else None,
         wechat_avatar_url=u.wechat_avatar_url if u else None,
+        transfer_auth_enabled=bool(auth and auth.state == "active"),
     )
 
 
@@ -191,9 +196,19 @@ def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> Withdraw
     except crud_wallet.InsufficientCashError as e:
         raise HTTPException(status_code=status.HTTP_409_CONFLICT, detail="insufficient cash balance") from e
 
+    # 调试直发(非生产):skip_review=true 时跳过人工审核,立即发起微信转账(等价 admin approve)。
+    # 双闸保护——客户端仅 debug 包下发此 flag,服务端仅非 prod 才认;任一道闸拦住即恢复正常审核,
+    # 生产绝不会被客户端 flag 绕过审核。用于本地联调"提现→微信转账/免确认到账"全链路。
+    if req.skip_review and not settings.is_prod and order.status == "reviewing":
+        logger.warning(
+            "withdraw skip_review(非prod调试直发,跳过人工审核立即打款) user_id=%d bill=%s",
+            user.id, order.out_bill_no,
+        )
+        order = crud_wallet.execute_withdraw_transfer(db, order)
+
     acc = crud_wallet.get_or_create_account(db, user.id)
     logger.info(
-        "withdraw submitted user_id=%d cents=%d bill=%s status=%s(待审核)",
+        "withdraw submitted user_id=%d cents=%d bill=%s status=%s",
         user.id, req.amount_cents, order.out_bill_no, order.status,
     )
     # 此刻 status=reviewing,尚未打款 → 无 package_info;App 据 status 提示"已提交,等待审核"。
@@ -246,3 +261,51 @@ def withdraw_orders(
         items=[WithdrawOrderOut.model_validate(it) for it in items],
         next_cursor=next_cursor,
     )
+
+
+# ===== 免确认收款授权(用户授权免确认模式)=====
+# 开启一次后,后续提现走免确认转账直接到账,不再跳微信确认。绑定 openid 是前提。
+
+
+@router.post(
+    "/transfer-auth",
+    response_model=TransferAuthResultOut,
+    summary="开启免确认到账(申请授权,返回拉起微信授权页的 package)",
+    dependencies=[Depends(rate_limit(10, 60, "transfer-auth"))],
+)
+def open_transfer_auth(user: CurrentUser, db: DbSession) -> TransferAuthResultOut:
+    if not settings.wxpay_auth_configured:
+        raise HTTPException(
+            status_code=status.HTTP_503_SERVICE_UNAVAILABLE,
+            detail="wechat transfer auth not configured",
+        )
+    try:
+        info = crud_wallet.apply_transfer_auth(db, user.id)
+    except crud_wallet.WechatNotBoundError as e:
+        raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail="wechat not bound") from e
+    except crud_wallet.WithdrawTransferError as e:
+        raise HTTPException(status_code=status.HTTP_502_BAD_GATEWAY, detail=str(e)) from e
+    logger.info("open transfer-auth user_id=%d already_active=%s", user.id, info["already_active"])
+    return TransferAuthResultOut(**info)
+
+
+@router.get(
+    "/transfer-auth/status",
+    response_model=TransferAuthStatusOut,
+    summary="查免确认授权状态(从微信授权页返回后轮询)",
+)
+def transfer_auth_status(user: CurrentUser, db: DbSession) -> TransferAuthStatusOut:
+    auth = crud_wallet.sync_transfer_auth(db, user.id)
+    state = auth.state if auth else "none"
+    return TransferAuthStatusOut(state=state, enabled=(state == "active"))
+
+
+@router.post(
+    "/transfer-auth/close",
+    response_model=TransferAuthStatusOut,
+    summary="关闭免确认到账(解除授权)",
+)
+def close_transfer_auth_endpoint(user: CurrentUser, db: DbSession) -> TransferAuthStatusOut:
+    crud_wallet.close_transfer_auth(db, user.id)
+    logger.info("close transfer-auth user_id=%d", user.id)
+    return TransferAuthStatusOut(state="closed", enabled=False)

app/api/v1/wxpay.py

@@ -0,0 +1,30 @@
+"""微信支付相关回调(一期:免确认收款授权结果通知 stub)。
+
+⚠️ 一期不处理回调内容、不验签:授权状态以主动查询(query_transfer_authorization)为准。
+本端点仅向微信回 200 避免重试风暴,**绝不依据回调内容改账**。二期接入时必须先补
+V3 平台证书/公钥验签(Wechatpay-Signature) + APIv3 密钥 AEAD 解密,验签通过后方可信任并处理。
+
+授权回调地址通过 settings.WXPAY_AUTH_NOTIFY_URL 配置,需指向本端点的公网地址。
+"""
+from __future__ import annotations
+
+import logging
+
+from fastapi import APIRouter, Request
+
+logger = logging.getLogger("shagua.wxpay")
+
+router = APIRouter(prefix="/api/v1/wxpay", tags=["wxpay"])
+
+
+@router.post("/transfer-auth-notify", summary="免确认收款授权结果通知(一期 stub:仅应答,不处理)")
+async def transfer_auth_notify(request: Request) -> dict:
+    # 一期:不验签、不解密、不改账。仅记录 + 应答成功;真实授权状态靠 /transfer-auth/status 查询兜底。
+    try:
+        body = await request.json()
+        logger.info(
+            "transfer-auth notify id=%s type=%s", body.get("id"), body.get("event_type")
+        )
+    except Exception:  # noqa: BLE001 — body 解析失败也照常应答 200,避免微信重试
+        logger.info("transfer-auth notify (unparseable body)")
+    return {"code": "SUCCESS", "message": "OK"}

app/core/config.py

@@ -99,6 +99,10 @@ 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
+    # 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。
+    WXPAY_AUTH_NOTIFY_URL: str = ""
 
     @property
     def wxpay_configured(self) -> bool:
@@ -110,6 +114,11 @@ class Settings(BaseSettings):
             and self.WXPAY_PUBLIC_KEY_ID
         )
 
+    @property
+    def wxpay_auth_configured(self) -> bool:
+        """免确认收款授权可用 = 微信支付凭证齐全 + 授权回调地址已配。"""
+        return bool(self.wxpay_configured and self.WXPAY_AUTH_NOTIFY_URL)
+
     # ===== 穿山甲激励视频(服务端发奖回调)=====
     # 看完激励视频后穿山甲服务器回调本服务发金币(S2S,客户端被破解也刷不到)。
     # PANGLE_REWARD_SECRET 是穿山甲后台配置的"奖励校验密钥",验签用,从后台取到后填 .env。

app/integrations/wxpay.py

@@ -24,6 +24,10 @@ from app.core.config import settings
 
 _API_HOST = "https://api.mch.weixin.qq.com"
 _TRANSFER_PATH = "/v3/fund-app/mch-transfer/transfer-bills"
+# 免确认收款授权(用户授权免确认模式)
+_AUTH_PATH = "/v3/fund-app/mch-transfer/user-confirm-authorization"
+_PRE_TRANSFER_AUTH_PATH = "/v3/fund-app/mch-transfer/transfer-bills/pre-transfer-with-authorization"
+_TRANSFER_WITH_AUTH_PATH = "/v3/fund-app/mch-transfer/transfer-bills/transfer"
 
 # 懒加载缓存
 _private_key: RSAPrivateKey | None = None
@@ -199,3 +203,164 @@ def code_to_userinfo(code: str) -> dict:
         pass
 
     return {"openid": openid, "nickname": nickname, "avatar_url": avatar_url, "raw": raw}
+
+
+# ===== 免确认收款授权(用户授权免确认模式)=====
+# 用户授权一次后,后续转账走 transfer_with_authorization 免逐笔确认直接到账。
+# 复用上面同一套 V3 签名(_build_authorization)、敏感字段加密(encrypt_sensitive)、懒加载密钥。
+
+
+def _transfer_report_infos() -> list[dict]:
+    """现金营销(scene 1000)转账场景报备信息,与 create_transfer 同口径。"""
+    return [
+        {"info_type": "活动名称", "info_content": "比价返现"},
+        {"info_type": "奖励说明", "info_content": "现金提现到微信零钱"},
+    ]
+
+
+def apply_transfer_authorization(
+    out_authorization_no: str,
+    openid: str,
+    user_display_name: str,
+    notify_url: str,
+    *,
+    scene_info: dict | None = None,
+) -> dict:
+    """发起免确认收款授权(方式二:不转账,仅申请授权)。返回 {status_code, data}。
+    成功(200 + state=WAIT_USER_CONFIRM)时 data 带 package_info,供 App 拉起微信授权页。"""
+    body: dict = {
+        "out_authorization_no": out_authorization_no,
+        "appid": settings.WECHAT_APP_ID,
+        "openid": openid,
+        "transfer_scene_id": settings.WXPAY_TRANSFER_SCENE_ID,
+        "user_display_name": user_display_name,
+        "authorization_notify_url": notify_url,
+    }
+    if scene_info:
+        body["scene_info"] = scene_info
+    body_str = json.dumps(body, ensure_ascii=False)
+    headers = {
+        "Authorization": _build_authorization("POST", _AUTH_PATH, body_str),
+        "Accept": "application/json",
+        "Content-Type": "application/json",
+    }
+    with httpx.Client() as client:
+        resp = client.post(
+            f"{_API_HOST}{_AUTH_PATH}",
+            content=body_str,
+            headers=headers,
+            timeout=settings.WXPAY_REQUEST_TIMEOUT_SEC,
+        )
+    return {"status_code": resp.status_code, "data": resp.json()}
+
+
+def query_transfer_authorization(out_authorization_no: str) -> dict:
+    """按商户授权单号查授权结果。返回 {status_code, data}。
+    data.state: WAIT_USER_CONFIRM / TAKING_EFFECT(已生效) / CLOSED;TAKING_EFFECT 时带 authorization_id。"""
+    path = f"{_AUTH_PATH}/out-authorization-no/{out_authorization_no}"
+    headers = {
+        "Authorization": _build_authorization("GET", path, ""),
+        "Accept": "application/json",
+    }
+    with httpx.Client() as client:
+        resp = client.get(
+            f"{_API_HOST}{path}", headers=headers, timeout=settings.WXPAY_REQUEST_TIMEOUT_SEC
+        )
+    return {"status_code": resp.status_code, "data": resp.json()}
+
+
+def close_transfer_authorization(out_authorization_no: str) -> dict:
+    """解除免确认收款授权。返回 {status_code, data}(成功 data.state=CLOSED)。"""
+    path = f"{_AUTH_PATH}/out-authorization-no/{out_authorization_no}/close"
+    headers = {
+        "Authorization": _build_authorization("POST", path, ""),
+        "Accept": "application/json",
+        "Content-Type": "application/json",
+    }
+    with httpx.Client() as client:
+        resp = client.post(
+            f"{_API_HOST}{path}", headers=headers, timeout=settings.WXPAY_REQUEST_TIMEOUT_SEC
+        )
+    return {"status_code": resp.status_code, "data": resp.json()}
+
+
+def pre_transfer_with_authorization(
+    openid: str,
+    amount_fen: int,
+    out_bill_no: str,
+    out_authorization_no: str,
+    user_display_name: str,
+    notify_url: str,
+    user_name: str | None = None,
+) -> dict:
+    """方式一:发起转账并同时申请免确认收款授权(用户在确认这笔收款时一并完成授权)。
+    返回 {status_code, data};成功 state=WAIT_USER_CONFIRM 时带 package_info(拉确认+授权页)。"""
+    body: dict = {
+        "appid": settings.WECHAT_APP_ID,
+        "out_bill_no": out_bill_no,
+        "transfer_scene_id": settings.WXPAY_TRANSFER_SCENE_ID,
+        "openid": openid,
+        "transfer_amount": amount_fen,
+        "transfer_remark": "金币提现",
+        "transfer_scene_report_infos": _transfer_report_infos(),
+        "authorization_info": {
+            "user_display_name": user_display_name,
+            "out_authorization_no": out_authorization_no,
+            "authorization_notify_url": notify_url,
+        },
+    }
+    if user_name and amount_fen >= 30:
+        body["user_name"] = encrypt_sensitive(user_name)
+
+    body_str = json.dumps(body, ensure_ascii=False)
+    headers = {
+        "Authorization": _build_authorization("POST", _PRE_TRANSFER_AUTH_PATH, body_str),
+        "Accept": "application/json",
+        "Content-Type": "application/json",
+        "Wechatpay-Serial": settings.WXPAY_PUBLIC_KEY_ID,
+    }
+    with httpx.Client() as client:
+        resp = client.post(
+            f"{_API_HOST}{_PRE_TRANSFER_AUTH_PATH}",
+            content=body_str,
+            headers=headers,
+            timeout=settings.WXPAY_REQUEST_TIMEOUT_SEC,
+        )
+    return {"status_code": resp.status_code, "data": resp.json()}
+
+
+def transfer_with_authorization(
+    authorization_id: str,
+    amount_fen: int,
+    out_bill_no: str,
+    user_name: str | None = None,
+) -> dict:
+    """方式二 / 二次起:用户已授权后免确认转账(无需用户逐笔确认,直接到账)。返回 {status_code, data}。
+    成功 state ∈ ACCEPTED/PROCESSING/TRANSFERING/SUCCESS(无 WAIT_USER_CONFIRM、无 package_info)。"""
+    body: dict = {
+        "appid": settings.WECHAT_APP_ID,
+        "out_bill_no": out_bill_no,
+        "transfer_scene_id": settings.WXPAY_TRANSFER_SCENE_ID,
+        "transfer_amount": amount_fen,
+        "transfer_remark": "金币提现",
+        "transfer_scene_report_infos": _transfer_report_infos(),
+        "authorization_id": authorization_id,
+    }
+    if user_name and amount_fen >= 30:
+        body["user_name"] = encrypt_sensitive(user_name)
+
+    body_str = json.dumps(body, ensure_ascii=False)
+    headers = {
+        "Authorization": _build_authorization("POST", _TRANSFER_WITH_AUTH_PATH, body_str),
+        "Accept": "application/json",
+        "Content-Type": "application/json",
+        "Wechatpay-Serial": settings.WXPAY_PUBLIC_KEY_ID,
+    }
+    with httpx.Client() as client:
+        resp = client.post(
+            f"{_API_HOST}{_TRANSFER_WITH_AUTH_PATH}",
+            content=body_str,
+            headers=headers,
+            timeout=settings.WXPAY_REQUEST_TIMEOUT_SEC,
+        )
+    return {"status_code": resp.status_code, "data": resp.json()}

app/main.py

@@ -29,6 +29,7 @@ from app.api.v1.signin import router as signin_router
 from app.api.v1.tasks import router as tasks_router
 from app.api.v1.user import router as user_router
 from app.api.v1.wallet import router as wallet_router
+from app.api.v1.wxpay import router as wxpay_router
 from app.core.config import settings
 from app.core.logging import setup_logging
 
@@ -82,6 +83,7 @@ app.include_router(compare_record_router)
 app.include_router(compare_milestone_router)
 app.include_router(meituan_router)
 app.include_router(wallet_router)
+app.include_router(wxpay_router)
 app.include_router(signin_router)
 app.include_router(tasks_router)
 app.include_router(savings_router)

app/models/wallet.py

@@ -107,6 +107,43 @@ class WithdrawOrder(Base):
         return f"<WithdrawOrder id={self.id} user_id={self.user_id} cents={self.amount_cents} {self.status}>"
 
 
+class WechatTransferAuthorization(Base):
+    """微信商家转账「免确认收款授权」(用户授权免确认模式)。一个用户一条(user_id 主键)。
+
+    状态机:
+        (无) →(申请 / 首单转账顺带申请)→ pending(微信 WAIT_USER_CONFIRM,待用户在微信确认授权)
+        pending →(用户确认授权)→ active(微信 TAKING_EFFECT,此后转账免用户逐笔确认)
+        pending / active →(用户在微信关 / 商户解除 / 风控)→ closed(终态,需重新开启)
+    out_authorization_no 我方生成(查授权 / 发起授权用,一个用户一条稳定值,重开时换新);
+    authorization_id 微信在 active 后返回,免确认转账(transfer_with_authorization)时必传。
+    """
+
+    __tablename__ = "wechat_transfer_authorization"
+
+    user_id: Mapped[int] = mapped_column(
+        Integer, ForeignKey("user.id"), primary_key=True
+    )
+    openid: Mapped[str] = mapped_column(String(64), nullable=False)
+    # 商户侧授权单号(我方生成),唯一
+    out_authorization_no: Mapped[str] = mapped_column(
+        String(64), unique=True, index=True, nullable=False
+    )
+    # 微信侧授权单号(active 后返回,免确认转账要用)
+    authorization_id: Mapped[str | None] = mapped_column(String(64), nullable=True)
+    # pending(待用户确认) / active(已生效可免确认) / closed(已关闭需重开)
+    state: Mapped[str] = mapped_column(String(16), nullable=False, default="pending")
+
+    created_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), nullable=False
+    )
+    updated_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), onupdate=func.now(), nullable=False
+    )
+
+    def __repr__(self) -> str:  # pragma: no cover
+        return f"<WechatTransferAuthorization user_id={self.user_id} state={self.state}>"
+
+
 class CashTransaction(Base):
     """现金流水(单位:分)。金币兑现金、提现都记在这里。"""
 

app/repositories/wallet.py

@@ -7,6 +7,7 @@
 from __future__ import annotations
 
 import re
+import unicodedata
 import uuid
 from datetime import datetime, timedelta, timezone
 
@@ -14,15 +15,25 @@ from sqlalchemy import select, update
 from sqlalchemy.orm import Session
 
 from app.core import rewards
+from app.core.config import settings
 from app.core.rewards import COIN_PER_CENT, coins_to_cents
 from app.integrations import wxpay
 from app.models.user import User
-from app.models.wallet import CashTransaction, CoinAccount, CoinTransaction, WithdrawOrder
+from app.models.wallet import (
+    CashTransaction,
+    CoinAccount,
+    CoinTransaction,
+    WechatTransferAuthorization,
+    WithdrawOrder,
+)
 
 # 微信转账终态:成功 / 失败(失败/取消/关闭都退款)
 _WX_STATE_SUCCESS = "SUCCESS"
 _WX_STATE_FAILED = {"FAIL", "CANCELLED", "CLOSED"}
 _WX_STATE_WAIT_CONFIRM = "WAIT_USER_CONFIRM"  # 用户还没在微信确认页确认
+# 免确认收款授权状态
+_WX_AUTH_ACTIVE = "TAKING_EFFECT"   # 已生效,可免确认转账
+_WX_AUTH_CLOSED = "CLOSED"          # 已关闭(用户/商户/风控),需重新开启
 
 
 class InvalidExchangeAmountError(Exception):
@@ -405,13 +416,175 @@ def create_withdraw(
     return order  # 待管理员审核;**不在此处打款**
 
 
-def execute_withdraw_transfer(db: Session, order: WithdrawOrder) -> WithdrawOrder:
-    """审核通过后真正发起微信转账(复用原"转账 + 模糊失败查单"逻辑,绝不盲目退款)。
+# ===== 免确认收款授权(用户授权免确认模式)=====
+# 用户授权一次后,后续提现走 transfer_with_authorization 免逐笔确认直接到账。
+# WechatTransferAuthorization 一个用户一条;out_authorization_no 我方生成,authorization_id 微信生效后返回。
 
-    流程:reviewing → 置 pending → 调微信转账 → SUCCESS=success / 失败/取消=退款 failed /
-      结果不明=先查单再决定。**不抛异常**(admin 调用方按 order.status 判断结果)。
-    用户在审核期间解绑微信 → 退款 failed(打不了款)。
-    可能返回 package_info(WAIT_USER_CONFIRM 场景:需用户在 App 端确认页确认后才真正到账)。
+
+def _auth_display_name(user: User | None) -> str:
+    """微信授权页展示的"开通账号"昵称(≤32,utf8)。
+
+    微信对 user_display_name 校验极严:**连空格和标点(. 等)都算"控制字符"拒收**——实测
+    'wonderable ai'(带空格)被 400 拒、'wonderableai'/'周周'/'傻瓜比价用户8888' 才过。
+    故只保留 文字(Unicode L*,中英文/CJK)与数字(N*),其余(emoji/符号/空格/标点/控制符/
+    零宽连接符/变体选择符/星形面字符)一律剔除;清空则兜底手机号尾号。
+    """
+    raw = ((user.nickname if user else None) or (user.wechat_nickname if user else None) or "").strip()
+    kept = [
+        ch for ch in raw
+        if ord(ch) <= 0xFFFF and unicodedata.category(ch)[0] in ("L", "N")
+    ]
+    name = "".join(kept).strip()
+    if not name and user and user.phone:
+        tail = user.phone[-4:] if len(user.phone) >= 4 else user.phone
+        name = f"傻瓜比价用户{tail}"
+    return (name or "傻瓜比价用户")[:32]
+
+
+def _refresh_active_auth(db: Session, user_id: int) -> None:
+    """免确认转账失败后回查授权有效性(权威判定,不靠猜错误码):
+      微信侧明确非生效(用户在微信关闭 / 风控 / 无此单)→ 标 closed,下次提现自动回退方式一重新授权;
+      仍生效(失败实为商户余额不足等与授权无关的原因)→ 保持 active,下次免确认重试。
+    仅对本地 active 记录查询;查询本身失败(5xx/网络)不改状态,下次再核,避免误关有效授权。"""
+    auth = db.get(WechatTransferAuthorization, user_id)
+    if auth is None or auth.state != "active" or not settings.wxpay_configured:
+        return
+    try:
+        res = wxpay.query_transfer_authorization(auth.out_authorization_no)
+    except Exception:  # noqa: BLE001 — 查询失败保持 active,下次再核
+        return
+    if res["status_code"] == 200:
+        if res["data"].get("state") != _WX_AUTH_ACTIVE:  # CLOSED / 其他非生效 → 失效
+            auth.state = "closed"
+            db.commit()
+    elif _wx_not_found(res):  # 明确无此授权单 → 失效
+        auth.state = "closed"
+        db.commit()
+    # 其他查询错误(5xx 等):不改状态,保持 active,下次再核
+
+
+def sync_transfer_auth(db: Session, user_id: int) -> WechatTransferAuthorization | None:
+    """同步待确认授权最新状态(仅 pending 时查微信):
+      TAKING_EFFECT → active + 落 authorization_id;CLOSED/超期无此单 → closed。返回最新记录(或 None)。
+    非 pending(active/closed)直接返回不查;查询异常或缺凭证则保持原状。"""
+    auth = db.get(WechatTransferAuthorization, user_id)
+    if auth is None or auth.state != "pending" or not settings.wxpay_configured:
+        return auth
+    try:
+        res = wxpay.query_transfer_authorization(auth.out_authorization_no)
+    except Exception:  # noqa: BLE001 — 查询失败保持 pending,下次再同步
+        return auth
+    if res["status_code"] != 200:
+        if _wx_not_found(res):  # 超期未确认被关闭 → closed;其他错误保持 pending
+            auth.state = "closed"
+            db.commit()
+        return auth
+    state = res["data"].get("state", "")
+    if state == _WX_AUTH_ACTIVE:
+        auth.state = "active"
+        auth.authorization_id = res["data"].get("authorization_id") or auth.authorization_id
+        db.commit()
+    elif state == _WX_AUTH_CLOSED:
+        auth.state = "closed"
+        db.commit()
+    # WAIT_USER_CONFIRM:保持 pending,等用户确认
+    return auth
+
+
+def _ensure_pending_auth_no(db: Session, user_id: int, openid: str) -> str:
+    """为"方式一(转账顺带授权)"准备待确认授权单号:
+      已有 pending → 复用其 out_authorization_no(避免重复申请刷满"同场景≤5"上限);
+      无 / 已 closed → 生成新单号并 upsert 成 pending。返回 out_authorization_no。"""
+    auth = db.get(WechatTransferAuthorization, user_id)
+    if auth is not None and auth.state == "pending":
+        if auth.openid != openid:  # 换绑过 → 刷新快照
+            auth.openid = openid
+            db.commit()
+        return auth.out_authorization_no
+    new_no = uuid.uuid4().hex  # 32 位,符合 [0-9A-Za-z_-]{8,32}
+    if auth is None:
+        db.add(
+            WechatTransferAuthorization(
+                user_id=user_id, openid=openid, out_authorization_no=new_no,
+                authorization_id=None, state="pending",
+            )
+        )
+    else:  # closed → 重新开启,换新单号
+        auth.openid = openid
+        auth.out_authorization_no = new_no
+        auth.authorization_id = None
+        auth.state = "pending"
+    db.commit()
+    return new_no
+
+
+def apply_transfer_auth(db: Session, user_id: int) -> dict:
+    """方式二:显式开启免确认收款(申请授权,不转账)。
+    返回 {already_active, package_info, mch_id, app_id};already_active=True 表示已开启无需再授权。
+    未绑微信抛 WechatNotBoundError;微信返回非 200 抛 WithdrawTransferError。"""
+    user = db.get(User, user_id)
+    openid = user.wechat_openid if user else None
+    if not openid:
+        raise WechatNotBoundError
+
+    auth = db.get(WechatTransferAuthorization, user_id)
+    if auth is not None and auth.state == "active" and auth.authorization_id:
+        return {
+            "already_active": True, "package_info": None,
+            "mch_id": settings.WXPAY_MCH_ID, "app_id": settings.WECHAT_APP_ID,
+        }
+
+    out_auth_no = _ensure_pending_auth_no(db, user_id, openid)
+    result = wxpay.apply_transfer_authorization(
+        out_auth_no, openid, _auth_display_name(user), settings.WXPAY_AUTH_NOTIFY_URL
+    )
+    if result["status_code"] != 200:
+        raise WithdrawTransferError(str(result["data"].get("message") or result["data"]))
+    return {
+        "already_active": False,
+        "package_info": result["data"].get("package_info"),
+        "mch_id": settings.WXPAY_MCH_ID,
+        "app_id": settings.WECHAT_APP_ID,
+    }
+
+
+def close_transfer_auth(db: Session, user_id: int) -> None:
+    """关闭免确认收款(解除授权)。best-effort 调微信解除 + 本地置 closed。"""
+    auth = db.get(WechatTransferAuthorization, user_id)
+    if auth is None:
+        return
+    if auth.state != "closed" and settings.wxpay_configured:
+        try:
+            wxpay.close_transfer_authorization(auth.out_authorization_no)
+        except Exception:  # noqa: BLE001 — 微信解除失败不阻塞本地置 closed(用户也可在微信侧自行关闭)
+            pass
+    auth.state = "closed"
+    db.commit()
+
+
+def _apply_transfer_result(db: Session, order: WithdrawOrder, data: dict) -> WithdrawOrder:
+    """落微信转账应答到提现单:记 state/转账单号/package_info,SUCCESS 即 success。"""
+    order.wechat_state = data.get("state")
+    order.transfer_bill_no = data.get("transfer_bill_no")
+    order.package_info = data.get("package_info")  # 免确认转账无此字段(None);确认模式带它供拉确认页
+    if data.get("state") == _WX_STATE_SUCCESS:
+        order.status = "success"
+    db.commit()
+    db.refresh(order)
+    return order
+
+
+def execute_withdraw_transfer(db: Session, order: WithdrawOrder) -> WithdrawOrder:
+    """审核通过后真正发起微信转账(复用原"转账 + 模糊失败查单"逻辑,绝不盲目退款)。**不抛异常**。
+
+    免确认收款(用户授权免确认模式)分叉:
+      ① 已有生效授权(active)→ transfer_with_authorization 免确认转账,直接到账,无 package_info。
+      ② 无生效授权:
+         - 已配 WXPAY_AUTH_NOTIFY_URL → pre_transfer_with_authorization(方式一):转账 + 顺带申请授权,
+           返回 WAIT_USER_CONFIRM + package_info,用户在确认这笔收款时一并授权,下次起免确认。
+         - 未配回调地址(未启用免确认)→ 退化为原 create_transfer 确认模式,行为同改造前。
+    免确认转账失败 → 先 _settle_after_ambiguous 保金额安全,再 _refresh_active_auth 回查授权,失效则标 closed(下次回退方式一)。
+    用户审核期间解绑微信 → 退款 failed。结果不明(超时/非200)→ 先查单再决定,绝不盲目退款。
     """
     user = db.get(User, order.user_id)
     openid = user.wechat_openid if user else None
@@ -420,33 +593,57 @@ def execute_withdraw_transfer(db: Session, order: WithdrawOrder) -> WithdrawOrde
         db.refresh(order)
         return order
 
+    # 先同步待确认授权:捕获首单确认后微信已生效的 authorization_id(pending→active),或失效(→closed)
+    auth = sync_transfer_auth(db, order.user_id)
+
     order.status = "pending"  # 进入打款在途(转账调用前崩溃留 pending,交对账兜底)
     db.commit()
 
+    # ① 有生效授权 → 免确认转账(无需用户确认,直接到账)
+    if auth is not None and auth.state == "active" and auth.authorization_id:
+        try:
+            result = wxpay.transfer_with_authorization(
+                auth.authorization_id, order.amount_cents, order.out_bill_no, user_name=order.user_name
+            )
+        except Exception as e:  # noqa: BLE001 — 超时/网络异常≠失败,查单确认
+            _settle_after_ambiguous(db, order, reason=f"免确认转账调用异常: {e}")
+            db.refresh(order)
+            return order
+        if result["status_code"] != 200:
+            # 金额安全:查转账单后定夺,绝不盲退(未创建→退款,已创建→按真实状态)
+            _settle_after_ambiguous(db, order, reason=str(result["data"].get("message") or result["data"]))
+            # 授权有效性:回查授权单,微信侧已失效(用户关闭/风控)→标 closed,下次提现自动回退方式一重新授权
+            _refresh_active_auth(db, order.user_id)
+            db.refresh(order)
+            return order
+        return _apply_transfer_result(db, order, result["data"])
+
+    # ② 无生效授权 → 启用免确认则转账+顺带授权(方式一),否则退化为原确认模式
     try:
-        result = wxpay.create_transfer(
-            openid, order.amount_cents, order.out_bill_no, user_name=order.user_name
-        )
+        if settings.WXPAY_AUTH_NOTIFY_URL:
+            out_auth_no = _ensure_pending_auth_no(db, order.user_id, openid)
+            result = wxpay.pre_transfer_with_authorization(
+                openid, order.amount_cents, order.out_bill_no,
+                out_authorization_no=out_auth_no,
+                user_display_name=_auth_display_name(user),
+                notify_url=settings.WXPAY_AUTH_NOTIFY_URL,
+                user_name=order.user_name,
+            )
+        else:
+            result = wxpay.create_transfer(
+                openid, order.amount_cents, order.out_bill_no, user_name=order.user_name
+            )
     except Exception as e:  # noqa: BLE001 — 超时/网络异常≠失败,查单确认
         _settle_after_ambiguous(db, order, reason=f"转账调用异常: {e}")
         db.refresh(order)
         return order
 
     if result["status_code"] != 200:
-        msg = str(result["data"].get("message") or result["data"])
-        _settle_after_ambiguous(db, order, reason=msg)
+        _settle_after_ambiguous(db, order, reason=str(result["data"].get("message") or result["data"]))
         db.refresh(order)
         return order
 
-    data = result["data"]
-    order.wechat_state = data.get("state")
-    order.transfer_bill_no = data.get("transfer_bill_no")
-    order.package_info = data.get("package_info")
-    if data.get("state") == _WX_STATE_SUCCESS:
-        order.status = "success"
-    db.commit()
-    db.refresh(order)
-    return order
+    return _apply_transfer_result(db, order, result["data"])
 
 
 def _get_withdraw_or_raise(db: Session, out_bill_no: str) -> WithdrawOrder:

app/schemas/welfare.py

@@ -80,6 +80,23 @@ class WithdrawInfoOut(BaseModel):
     wechat_bound: bool = Field(..., description="当前用户是否已绑定微信")
     wechat_nickname: str | None = Field(None, description="微信昵称(可能为空/脱敏)")
     wechat_avatar_url: str | None = Field(None, description="微信头像 URL(可能为空)")
+    transfer_auth_enabled: bool = Field(
+        False, description="是否已开启免确认到账(开启后提现免跳微信确认,直接到账)"
+    )
+
+
+# ===== 免确认收款授权(用户授权免确认模式)=====
+
+class TransferAuthResultOut(BaseModel):
+    already_active: bool = Field(False, description="是否已是开启状态(无需再授权)")
+    package_info: str | None = Field(None, description="拉起微信授权页的 package(已开启时为空)")
+    mch_id: str | None = None
+    app_id: str | None = None
+
+
+class TransferAuthStatusOut(BaseModel):
+    state: str = Field(..., description="none(未开启)/pending(待确认)/active(已开启)/closed(已关闭)")
+    enabled: bool = Field(..., description="是否已开启免确认到账")
 
 
 class BindWechatRequest(BaseModel):
@@ -102,6 +119,13 @@ class WithdrawRequest(BaseModel):
     out_bill_no: str | None = Field(
         None, description="客户端幂等键(商户单号):同号重试不重复转账。不传则服务端生成"
     )
+    skip_review: bool = Field(
+        False,
+        description=(
+            "调试直发:跳过人工审核立即打款。仅非生产(APP_ENV!=prod)生效,"
+            "客户端仅 debug 包下发(开发设置开关)。生产恒走人工审核。"
+        ),
+    )
 
 
 class WithdrawResultOut(BaseModel):