docs(welfare): 15天不活跃清零金币/现金 设计文档(spec) (#144)

修改INACTIVITY_RESET_ENABLED语义，为false时清空金币操作只记录审计日志，不执行操作。

---------

Co-authored-by: guke <guke@autohome.com.cn>
Reviewed-on: #144

alembic/versions/135e79414fd0_add_inactivity_tables.py

@@ -0,0 +1,68 @@
+"""add inactivity tables
+
+Revision ID: 135e79414fd0
+Revises: comparison_llm_cost
+Create Date: 2026-07-16 18:31:02.105929
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision: str = '135e79414fd0'
+down_revision: Union[str, Sequence[str], None] = 'comparison_llm_cost'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    op.create_table(
+        "inactivity_reset_log",
+        sa.Column("id", sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column("user_id", sa.Integer(), nullable=False),
+        sa.Column("coin_balance_before", sa.Integer(), nullable=False),
+        sa.Column("cash_balance_cents_before", sa.Integer(), nullable=False),
+        sa.Column("invite_cash_balance_cents_before", sa.Integer(), nullable=False),
+        sa.Column("last_active_at", sa.DateTime(timezone=True), nullable=True),
+        sa.Column("inactive_days", sa.Integer(), nullable=False),
+        sa.Column("reason", sa.String(length=32), nullable=False),
+        sa.Column("reset_at", sa.DateTime(timezone=True),
+                  server_default=sa.text("(CURRENT_TIMESTAMP)"), nullable=False),
+        sa.PrimaryKeyConstraint("id"),
+    )
+    with op.batch_alter_table("inactivity_reset_log", schema=None) as batch_op:
+        batch_op.create_index(batch_op.f("ix_inactivity_reset_log_user_id"), ["user_id"], unique=False)
+        batch_op.create_index(batch_op.f("ix_inactivity_reset_log_reset_at"), ["reset_at"], unique=False)
+
+    op.create_table(
+        "inactivity_notification_log",
+        sa.Column("id", sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column("user_id", sa.Integer(), nullable=False),
+        sa.Column("stage", sa.Integer(), nullable=False),
+        sa.Column("inactive_days", sa.Integer(), nullable=False),
+        sa.Column("coin_balance", sa.Integer(), nullable=False),
+        sa.Column("cash_balance_cents", sa.Integer(), nullable=False),
+        sa.Column("invite_cash_balance_cents", sa.Integer(), nullable=False),
+        sa.Column("channel", sa.String(length=16), nullable=False),
+        sa.Column("status", sa.String(length=16), nullable=False),
+        sa.Column("created_at", sa.DateTime(timezone=True),
+                  server_default=sa.text("(CURRENT_TIMESTAMP)"), nullable=False),
+        sa.PrimaryKeyConstraint("id"),
+    )
+    with op.batch_alter_table("inactivity_notification_log", schema=None) as batch_op:
+        batch_op.create_index(batch_op.f("ix_inactivity_notification_log_user_id"), ["user_id"], unique=False)
+        batch_op.create_index(batch_op.f("ix_inactivity_notification_log_created_at"), ["created_at"], unique=False)
+
+
+def downgrade() -> None:
+    with op.batch_alter_table("inactivity_notification_log", schema=None) as batch_op:
+        batch_op.drop_index(batch_op.f("ix_inactivity_notification_log_created_at"))
+        batch_op.drop_index(batch_op.f("ix_inactivity_notification_log_user_id"))
+    op.drop_table("inactivity_notification_log")
+    with op.batch_alter_table("inactivity_reset_log", schema=None) as batch_op:
+        batch_op.drop_index(batch_op.f("ix_inactivity_reset_log_reset_at"))
+        batch_op.drop_index(batch_op.f("ix_inactivity_reset_log_user_id"))
+    op.drop_table("inactivity_reset_log")

alembic/versions/analytics_active_idx_active_composite_index.py

@@ -0,0 +1,36 @@
+"""analytics_event 活跃口径复合索引
+
+Revision ID: analytics_active_idx
+Revises: 135e79414fd0
+Create Date: 2026-07-18 17:35:00.000000
+
+给 analytics_event 加活跃口径热点复合索引 (event, page, user_id, created_at):
+activity.active_event_condition 按 (event=show & page=home) ∪ 比价 ∪ 领券 过滤后
+group by user_id、max(created_at)。覆盖索引让该聚合走 index-only,避免高频 show 事件全表扫。
+
+⚠️ 本分支迁移树有**既有多头**:135e79414fd0(不活跃两表)与 phone_rebind_log 同从
+comparison_llm_cost 分叉,`alembic upgrade head` 会多头报错。本迁移挂在 135e79414fd0
+一侧;集成到 main 时需 `alembic merge` 合并 phone_rebind_log 那个头(与本迁移无关的既有问题)。
+"""
+from typing import Sequence, Union
+
+from alembic import op
+
+# revision identifiers, used by Alembic.
+revision: str = "analytics_active_idx"
+down_revision: Union[str, Sequence[str], None] = "135e79414fd0"
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    op.create_index(
+        "ix_analytics_event_active",
+        "analytics_event",
+        ["event", "page", "user_id", "created_at"],
+        unique=False,
+    )
+
+
+def downgrade() -> None:
+    op.drop_index("ix_analytics_event_active", table_name="analytics_event")

alembic/versions/merge_active_phone_merge_inactivity_analytics_active_idx_.py

@@ -0,0 +1,25 @@
+"""merge inactivity(analytics_active_idx) + phone_rebind_log heads
+
+Revision ID: merge_active_phone
+Revises: analytics_active_idx, phone_rebind_log
+Create Date: 2026-07-18 18:52:34.001148
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+
+
+# revision identifiers, used by Alembic.
+revision: str = 'merge_active_phone'
+down_revision: Union[str, Sequence[str], None] = ('analytics_active_idx', 'phone_rebind_log')
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    pass
+
+
+def downgrade() -> None:
+    pass

alembic/versions/phone_rebind_log.py

@@ -0,0 +1,32 @@
+"""phone_rebind_log 表(M2 换绑 30 天限制台账)
+
+Revision ID: phone_rebind_log
+Revises: comparison_llm_cost
+"""
+from alembic import op
+import sqlalchemy as sa
+
+revision = "phone_rebind_log"
+down_revision = "comparison_llm_cost"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    op.create_table(
+        "phone_rebind_log",
+        sa.Column("id", sa.Integer(), primary_key=True, autoincrement=True),
+        sa.Column("phone", sa.String(length=20), nullable=False),
+        sa.Column("old_user_id", sa.Integer(), nullable=True),
+        sa.Column("new_user_id", sa.Integer(), nullable=False),
+        sa.Column("source", sa.String(length=32), nullable=False, server_default="wechat_conflict"),
+        sa.Column("rebound_at", sa.DateTime(timezone=True), server_default=sa.func.now(), nullable=False),
+    )
+    op.create_index("ix_phone_rebind_log_phone", "phone_rebind_log", ["phone"])
+    op.create_index("ix_phone_rebind_log_rebound_at", "phone_rebind_log", ["rebound_at"])
+
+
+def downgrade() -> None:
+    op.drop_index("ix_phone_rebind_log_rebound_at", table_name="phone_rebind_log")
+    op.drop_index("ix_phone_rebind_log_phone", table_name="phone_rebind_log")
+    op.drop_table("phone_rebind_log")

app/admin/repositories/queries.py

@@ -11,7 +11,6 @@ from zoneinfo import ZoneInfo
 from sqlalchemy import Select, asc, case, desc, func, or_, select
 from sqlalchemy.orm import Session
 
-from app.admin.repositories.stats import COMPARE_START_EVENT, COUPON_START_EVENT
 from app.core import rewards
 from app.core.config import settings
 from app.models.ad_feed_reward import AdFeedRewardRecord
@@ -32,10 +31,7 @@ from app.models.wallet import (
     InviteCashTransaction,
     WithdrawOrder,
 )
-from app.repositories import ad_ecpm
-
-# 「最近活跃」计入的行为事件(与大盘 DAU/留存活跃口径一致:开始比价 + 开始领券)
-_ACTIVE_EVENTS = (COMPARE_START_EVENT, COUPON_START_EVENT)
+from app.repositories import activity, ad_ecpm
 
 # 折算成可提现现金时,非广告金币来源的排除集(广告单独统计、人工调整不算"赚取")
 _NON_TASK_BIZ_TYPES = ("reward_video", "feed_ad_reward", "admin_grant", "admin_deduct")
@@ -88,49 +84,6 @@ def offset_paginate(
     return items, next_cursor, total
 
 
-def _last_active_parts():
-    """「最近活跃」的两个按 user_id 预聚合派生表(最近开始比价/领券事件、最近领券发起)。
-
-    活跃口径与大盘 DAU/留存一致(2026-07-05 产品定:进入 App≈登录 last_login_at +
-    发起比价 real_compare_start + 发起领券 real_coupon_start/claim_started)。
-    用 LEFT JOIN 预聚合而非相关标量子查询:后者在 PG 上对 users 每行各跑一个 SubPlan
-    (排序键、range 筛选、offset_paginate 的 count 三处叠加),埋点表大了会拖垮列表接口;
-    预聚合借 analytics_event.event 索引只扫两类 start 事件,每次查询聚合一次。
-    """
-    ev_agg = (
-        select(
-            AnalyticsEvent.user_id.label("user_id"),
-            func.max(AnalyticsEvent.created_at).label("last_at"),
-        )
-        .where(
-            AnalyticsEvent.user_id.is_not(None),
-            AnalyticsEvent.event.in_(_ACTIVE_EVENTS),
-        )
-        .group_by(AnalyticsEvent.user_id)
-        .subquery()
-    )
-    eng_agg = (
-        select(
-            CouponPromptEngagement.user_id.label("user_id"),
-            func.max(CouponPromptEngagement.created_at).label("last_at"),
-        )
-        .where(
-            CouponPromptEngagement.user_id.is_not(None),
-            CouponPromptEngagement.engage_type == "claim_started",
-        )
-        .group_by(CouponPromptEngagement.user_id)
-        .subquery()
-    )
-    return ev_agg, eng_agg
-
-
-def _norm_utc(dt: datetime | None) -> datetime | None:
-    """naive 视为 UTC 补 tzinfo(SQLite 读回 naive、PG 读回 aware,混着 max() 会 TypeError)。"""
-    if dt is None:
-        return None
-    return dt if dt.tzinfo is not None else dt.replace(tzinfo=timezone.utc)
-
-
 def _attach_last_active(db: Session, users: list[User]) -> None:
     """给本页用户瞬态挂 last_active_at(非 DB 列,供 AdminUserListItem from_attributes 读)。
 
@@ -144,7 +97,7 @@ def _attach_last_active(db: Session, users: list[User]) -> None:
             select(AnalyticsEvent.user_id, func.max(AnalyticsEvent.created_at))
             .where(
                 AnalyticsEvent.user_id.in_(uids),
-                AnalyticsEvent.event.in_(_ACTIVE_EVENTS),
+                activity.active_event_condition(),
             )
             .group_by(AnalyticsEvent.user_id)
         ).all()
@@ -161,9 +114,9 @@ def _attach_last_active(db: Session, users: list[User]) -> None:
     )
     for u in users:
         candidates = [
-            _norm_utc(u.last_login_at),
-            _norm_utc(ev_map.get(u.id)),
-            _norm_utc(eng_map.get(u.id)),
+            activity.norm_utc(u.created_at),      # baseline 由 last_login_at 改为 created_at(登录不算活跃)
+            activity.norm_utc(ev_map.get(u.id)),
+            activity.norm_utc(eng_map.get(u.id)),
         ]
         u.last_active_at = max((c for c in candidates if c is not None), default=None)
 
@@ -191,16 +144,12 @@ def list_users(
     (口径见 [_last_active_expr])。**offset 分页**(cursor=offset):任意列排序下游标语义统一,
     代价是翻页期间数据变动可能错位一条——admin 低频场景可接受(同 [list_all_withdraw_orders])。
     日期入参统一转 tz-aware UTC 比较(列为 timestamptz,见 _as_utc)。"""
-    # 最近活跃 = max(最近登录, 最近行为事件, 最近领券发起)。PG 用 GREATEST;SQLite 标量 max()
-    # 任一参数 NULL 即返回 NULL,故 LEFT JOIN 未命中侧 coalesce 到 last_login_at 兜底
-    # (注册即登录,该列恒非空)。派生表 1:1(按 user_id 聚合),outerjoin 不会放大行数,
-    # offset_paginate 的 count 不受影响。
-    ev_agg, eng_agg = _last_active_parts()
-    greatest = func.greatest if db.get_bind().dialect.name == "postgresql" else func.max
-    last_active = greatest(
-        User.last_login_at,
-        func.coalesce(ev_agg.c.last_at, User.last_login_at),
-        func.coalesce(eng_agg.c.last_at, User.last_login_at),
+    # 最近活跃 = max(注册时间, 最近行为事件, 最近领券发起)。baseline 由 last_login_at 改为 created_at
+    #(登录不代表在用 App;口径统一到 activity.py,含 home_view + 比价 + 领券,见 activity.ACTIVE_EVENTS)。
+    # 未命中侧 coalesce 到 created_at(恒非空基线)。派生表 1:1,outerjoin 不放大行数。
+    ev_agg, eng_agg = activity.last_active_subqueries(db)
+    last_active = activity.last_active_expr(
+        User.created_at, ev_agg, eng_agg, db.get_bind().dialect.name
     )
     stmt = (
         select(User)

app/api/v1/auth.py

@@ -13,6 +13,7 @@ from __future__ import annotations
 import logging
 
 from fastapi import APIRouter, HTTPException, Request
+from sqlalchemy.exc import IntegrityError
 
 from app.api.deps import CurrentUser, DbSession
 from app.core import test_account
@@ -22,14 +23,25 @@ from app.core.ratelimit import (
     enforce_rate_limit,
     record_rate_limits,
 )
-from app.core.security import TokenError, decode_token, issue_token_pair
+from app.core.security import (
+    TokenError,
+    create_bind_ticket,
+    create_conflict_ticket,
+    decode_bind_ticket,
+    decode_conflict_ticket,
+    decode_token,
+    issue_token_pair,
+)
+from app.integrations import wxpay
 from app.integrations.jiguang import JiguangError, mask_phone, verify_and_get_phone
 from app.integrations.sms import SmsError, send_code, verify_code
 from app.repositories import onboarding as onboarding_repo
+from app.repositories import phone_rebind as rebind_repo
 from app.repositories import user as user_repo
 from app.schemas.auth import (
     JverifyLoginRequest,
     LogoutResponse,
+    OccupiedAccountInfo,
     RefreshRequest,
     SmsLoginRequest,
     SmsSendRequest,
@@ -37,6 +49,13 @@ from app.schemas.auth import (
     TokenPair,
     TokenWithUser,
     UserOut,
+    WechatBindPhoneJverifyRequest,
+    WechatBindPhoneSmsRequest,
+    WechatBindResultResponse,
+    WechatConflictContinueRequest,
+    WechatConflictRebindRequest,
+    WechatLoginRequest,
+    WechatLoginResponse,
 )
 
 logger = logging.getLogger("shagua.auth")
@@ -175,6 +194,261 @@ def sms_login(req: SmsLoginRequest, request: Request, db: DbSession) -> TokenWit
     return _login_response(user, onboarding_completed=completed)
 
 
+# ===================== 微信登录 =====================
+
+@router.post(
+    "/wechat-login",
+    response_model=WechatLoginResponse,
+    summary="微信登录(openid 命中即登入,否则发绑号令牌)",
+)
+def wechat_login(req: WechatLoginRequest, db: DbSession) -> WechatLoginResponse:
+    from app.core.config import settings  # 局部 import,避免循环
+
+    # 微信登录只需 code→openid(sns/oauth2),不需要商户转账证书;故只校验 APP_ID/SECRET。
+    if not (settings.WECHAT_APP_ID and settings.WECHAT_APP_SECRET):
+        raise HTTPException(status_code=503, detail="wechat login not configured")
+
+    try:
+        info = wxpay.code_to_userinfo(req.code)  # {openid, nickname, avatar_url, raw};失败抛 ValueError
+    except ValueError as e:
+        raise HTTPException(status_code=400, detail=str(e)) from e
+
+    openid = info["openid"]
+    user = user_repo.get_user_by_wechat_openid(db, openid)
+    if user is not None:
+        # openid 命中 → 直接登入(绝不套用提现 bind-wechat 的"撞号即 409"逻辑)
+        if user.status != "active":
+            raise HTTPException(status_code=403, detail="account disabled")
+        user_repo.touch_last_login(db, user)
+        completed = onboarding_repo.is_completed(db, user_id=user.id, device_id=req.device_id)
+        logger.info("wechat_login hit user_id=%d openid=%s*** onboarded=%s", user.id, openid[:6], completed)
+        return WechatLoginResponse(
+            status="logged_in",
+            token=_login_response(user, onboarding_completed=completed),
+        )
+
+    # 未命中 → 签发短时 bind_ticket,进手机号绑定流程(账号此刻还不建)
+    ticket = create_bind_ticket(
+        openid=openid,
+        wechat_nickname=info["nickname"],
+        wechat_avatar_url=info["avatar_url"],
+    )
+    logger.info("wechat_login new openid=%s*** issue bind_ticket", openid[:6])
+    return WechatLoginResponse(
+        status="need_bind_phone",
+        bind_ticket=ticket,
+        wechat_nickname=info["nickname"],
+        wechat_avatar_url=info["avatar_url"],
+    )
+
+
+def _finish_wechat_bind(
+    db,
+    *,
+    openid: str,
+    wechat_nickname: str | None,
+    wechat_avatar_url: str | None,
+    phone: str,
+    device_id: str,
+) -> WechatBindResultResponse:
+    """绑手机建号的公共尾段:手机号被占用 → 返回 phone_occupied(M2 处理 3 选 1);
+    未占用 → 新建微信账号(channel=wechat,昵称头像取微信)→ 签 token 登入。"""
+    existing = user_repo.get_user_by_phone(db, phone)
+    if existing is not None:
+        from app.core.config import settings  # 局部 import,避免循环
+
+        ticket = create_conflict_ticket(
+            openid=openid,
+            wechat_nickname=wechat_nickname,
+            wechat_avatar_url=wechat_avatar_url,
+            phone=phone,
+        )
+        blocked = rebind_repo.rebound_within_days(db, phone, settings.PHONE_REBIND_LIMIT_DAYS)
+        logger.info(
+            "wechat bind phone occupied phone=%s by user_id=%d has_wechat=%s",
+            mask_phone(phone), existing.id, bool(existing.wechat_openid),
+        )
+        return WechatBindResultResponse(
+            status="phone_occupied",
+            occupied_account=OccupiedAccountInfo(
+                nickname=existing.nickname,
+                avatar_url=existing.avatar_url,
+                created_at=existing.created_at,
+                has_wechat=bool(existing.wechat_openid),
+            ),
+            conflict_ticket=ticket,
+            rebind_available=not blocked,
+            rebind_blocked_days=(
+                rebind_repo.remaining_block_days(db, phone, settings.PHONE_REBIND_LIMIT_DAYS)
+                if blocked else 0
+            ),
+        )
+    user = user_repo.create_wechat_user(
+        db,
+        phone=phone,
+        openid=openid,
+        wechat_nickname=wechat_nickname,
+        wechat_avatar_url=wechat_avatar_url,
+    )
+    completed = onboarding_repo.is_completed(db, user_id=user.id, device_id=device_id)
+    logger.info("wechat bind ok user_id=%d phone=%s openid=%s*** onboarded=%s",
+                user.id, mask_phone(phone), openid[:6], completed)
+    return WechatBindResultResponse(
+        status="logged_in",
+        token=_login_response(user, onboarding_completed=completed),
+    )
+
+
+@router.post(
+    "/wechat/bind-phone/sms",
+    response_model=WechatBindResultResponse,
+    summary="微信登录·其他手机号(短信)绑定",
+)
+def wechat_bind_phone_sms(
+    req: WechatBindPhoneSmsRequest, request: Request, db: DbSession
+) -> WechatBindResultResponse:
+    try:
+        claims = decode_bind_ticket(req.bind_ticket)
+    except TokenError as e:
+        raise HTTPException(status_code=401, detail="授权已过期,请重新用微信登录") from e
+
+    # 防刷:同 sms/login,按 设备+IP 每小时限流(放在验证码校验之前,失败也计数)
+    enforce_rate_limit(
+        request,
+        scope="wechat-bind-sms-device",
+        subject=req.device_id,
+        limit=SMS_LOGIN_MAX_PER_HOUR,
+        window_sec=3600,
+        detail="登录尝试过于频繁,请稍后再试",
+    )
+
+    if not verify_code(req.phone, req.code):
+        raise HTTPException(status_code=400, detail="invalid sms code")
+
+    return _finish_wechat_bind(
+        db,
+        openid=claims["openid"],
+        wechat_nickname=claims["wnk"],
+        wechat_avatar_url=claims["wav"],
+        phone=req.phone,
+        device_id=req.device_id,
+    )
+
+
+@router.post(
+    "/wechat/bind-phone/jverify",
+    response_model=WechatBindResultResponse,
+    summary="微信登录·本机号(极光)绑定",
+)
+def wechat_bind_phone_jverify(
+    req: WechatBindPhoneJverifyRequest, db: DbSession
+) -> WechatBindResultResponse:
+    try:
+        claims = decode_bind_ticket(req.bind_ticket)
+    except TokenError as e:
+        raise HTTPException(status_code=401, detail="授权已过期,请重新用微信登录") from e
+
+    try:
+        phone = verify_and_get_phone(req.login_token)
+    except JiguangError as e:
+        logger.error("[JG] verify+decrypt failed: %s", e, exc_info=True)
+        raise HTTPException(status_code=502, detail=f"jiguang verify failed: {e}") from e
+
+    return _finish_wechat_bind(
+        db,
+        openid=claims["openid"],
+        wechat_nickname=claims["wnk"],
+        wechat_avatar_url=claims["wav"],
+        phone=phone,
+        device_id=req.device_id,
+    )
+
+
+# ===================== 微信占用冲突(M2) =====================
+
+@router.post(
+    "/wechat/conflict/continue",
+    response_model=WechatBindResultResponse,
+    summary="微信占用冲突·继续绑定(登录老账号,能绑就绑)",
+)
+def wechat_conflict_continue(
+    req: WechatConflictContinueRequest, request: Request, db: DbSession
+) -> WechatBindResultResponse:
+    try:
+        claims = decode_conflict_ticket(req.conflict_ticket)
+    except TokenError as e:
+        raise HTTPException(status_code=401, detail="操作超时,请重新用微信登录") from e
+
+    enforce_rate_limit(
+        request, scope="wechat-conflict-device", subject=req.device_id,
+        limit=SMS_LOGIN_MAX_PER_HOUR, window_sec=3600, detail="操作过于频繁,请稍后再试",
+    )
+
+    user = user_repo.get_user_by_phone(db, claims["phone"])
+    if user is None:
+        # P 期间被腾空(老账号改号/注销)→ 前提已变,让前端重走
+        raise HTTPException(status_code=409, detail="账号状态已变化,请重新登录")
+    if user.status != "active":
+        raise HTTPException(status_code=403, detail="account disabled")
+
+    if user.wechat_openid is None:
+        try:
+            user_repo.attach_wechat_to_user(
+                db, user, openid=claims["openid"],
+                wechat_nickname=claims["wnk"], wechat_avatar_url=claims["wav"],
+            )
+        except IntegrityError:
+            db.rollback()  # openid 被别处绑走 → 只登入不绑
+            user_repo.touch_last_login(db, user)
+    else:
+        user_repo.touch_last_login(db, user)  # X 已绑别的微信 → 只登入,丢弃本次 openid
+
+    completed = onboarding_repo.is_completed(db, user_id=user.id, device_id=req.device_id)
+    logger.info("wechat conflict continue user_id=%d openid=%s***", user.id, claims["openid"][:6])
+    return WechatBindResultResponse(
+        status="logged_in",
+        token=_login_response(user, onboarding_completed=completed),
+    )
+
+
+@router.post(
+    "/wechat/conflict/rebind",
+    response_model=WechatBindResultResponse,
+    summary="微信占用冲突·换绑(注销老账号+用该号重建全新账号)",
+)
+def wechat_conflict_rebind(
+    req: WechatConflictRebindRequest, request: Request, db: DbSession
+) -> WechatBindResultResponse:
+    from app.core.config import settings  # 局部 import,避免循环
+
+    try:
+        claims = decode_conflict_ticket(req.conflict_ticket)
+    except TokenError as e:
+        raise HTTPException(status_code=401, detail="操作超时,请重新用微信登录") from e
+
+    enforce_rate_limit(
+        request, scope="wechat-conflict-device", subject=req.device_id,
+        limit=SMS_LOGIN_MAX_PER_HOUR, window_sec=3600, detail="操作过于频繁,请稍后再试",
+    )
+
+    phone = claims["phone"]
+    if rebind_repo.rebound_within_days(db, phone, settings.PHONE_REBIND_LIMIT_DAYS):
+        days = rebind_repo.remaining_block_days(db, phone, settings.PHONE_REBIND_LIMIT_DAYS)
+        raise HTTPException(status_code=409, detail=f"该手机号 {days} 天内已换绑过,暂不能再次换绑")
+
+    user = user_repo.rebind_account(
+        db, phone=phone, openid=claims["openid"],
+        wechat_nickname=claims["wnk"], wechat_avatar_url=claims["wav"],
+    )
+    completed = onboarding_repo.is_completed(db, user_id=user.id, device_id=req.device_id)
+    logger.info("wechat conflict rebind new_user_id=%d phone=%s openid=%s***",
+                user.id, mask_phone(phone), claims["openid"][:6])
+    return WechatBindResultResponse(
+        status="logged_in",
+        token=_login_response(user, onboarding_completed=completed),
+    )
+
+
 # ===================== Refresh =====================
 
 @router.post("/refresh", response_model=TokenPair, summary="用 refresh_token 换新 token 对")

app/core/config.py

@@ -44,6 +44,11 @@ class Settings(BaseSettings):
     JWT_ALGORITHM: str = "HS256"
     JWT_ACCESS_TOKEN_EXPIRE_MINUTES: int = 120
     JWT_REFRESH_TOKEN_EXPIRE_DAYS: int = 30
+    # 微信登录未命中 openid 时签发的"待绑手机"令牌有效期(JWT_SECRET_KEY 签名,typ=wechat_bind;
+    # 见 security.create_bind_ticket)。需覆盖"授权→输手机号→收短信→输验证码"整个绑定流程。
+    WECHAT_BIND_TICKET_EXPIRE_MINUTES: int = 10
+    # 一个手机号 30 天内最多换绑一次(微信占用冲突页的"换绑"动作)。见 phone_rebind_log。
+    PHONE_REBIND_LIMIT_DAYS: int = 30
 
     # ===== Admin 后台 =====
     # admin 用独立 JWT secret(≠ JWT_SECRET_KEY),App 用户 token 无法越权访问后台。
@@ -81,6 +86,7 @@ class Settings(BaseSettings):
     SMS_SIGN_ID: int = 31729       # 极光短信签名 ID(非机密,可被 .env 覆盖)
     SMS_TEMPLATE_ID: int = 1       # 极光短信模板 ID(变量名 code,有效期 5 分钟)
     SMS_CODE_LENGTH: int = 6       # 验证码位数(本服务生成;前端 code 字段 4-8 位兼容)
+    SMS_DAILY_LIMIT_PER_PHONE: int = 10   # 单手机号每日发送上限(防刷 + 控费)
     SMS_MAX_VERIFY_ATTEMPTS: int = 5      # 单个验证码最多校验失败次数,超过即作废(防爆破)
 
     # ===== 测试账号(release 包全流程联调用)=====
@@ -106,6 +112,9 @@ class Settings(BaseSettings):
     # 美团调用走的代理。本机开发直连美团会 SSL EOF,需填 http://127.0.0.1:7897;
     # 线上国内服务器留空(=直连)。见 .env.example 与 integrations/meituan.py。
     MT_CPS_PROXY: str = ""
+    # 本地开发:开启后 /feed 接口直接返回 mock 数据,不调美团 API、不查离线库,
+    # 方便前端联调 feed 卡片样式、分页、距离排序等 UI。生产必须 false。
+    MT_CPS_MOCK_FEED: bool = True
 
     @property
     def mt_cps_configured(self) -> bool:
@@ -169,6 +178,15 @@ class Settings(BaseSettings):
     # 进程内自动兑换 worker 的检查间隔(秒):每隔这么久醒一次,跨过北京 0 点就跑一轮。
     # 默认 600s=10min,即 0 点后最多 10 分钟内兑完(客户端文案已注明「可能存在延迟」)。
     AUTO_EXCHANGE_CHECK_INTERVAL_SEC: int = 600
+    # === 15 天不活跃清零(app.core.inactivity_reset_worker,worker 常驻)===
+    # ENABLED 只决定是否**真清**:false(默认)= 只记审计名单、不动钱(dry-run,灰度看名单);
+    # true = 真清金币 + 折算现金(邀请金不清)。看准名单后再置 true。
+    INACTIVITY_RESET_ENABLED: bool = False
+    INACTIVITY_RESET_DAYS: int = 15                  # 不活跃阈值(天),第 (N+1) 日 0 点清
+    INACTIVITY_WARN_DAYS_BEFORE: str = "7,2"         # 清零前几天各推一次;""=不推。逗号分隔
+    INACTIVITY_RESET_RUN_HOUR: int = 3               # 北京时间每日执行点(0-23)
+    INACTIVITY_NOTIFY_CHANNEL: str = "log"           # log(占位) / jpush / sms
+    INACTIVITY_RESET_CHECK_INTERVAL_SEC: int = 1800  # worker 唤醒间隔(秒)
     # 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。
@@ -189,6 +207,19 @@ class Settings(BaseSettings):
         """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)
 
+    @property
+    def inactivity_warn_stages(self) -> list[int]:
+        """解析 INACTIVITY_WARN_DAYS_BEFORE → 降序去重的提前天数列表。
+        丢弃非数字 / <=0 / >=RESET_DAYS 的项(空串 → 空列表 = 不推)。"""
+        out: list[int] = []
+        for part in (self.INACTIVITY_WARN_DAYS_BEFORE or "").split(","):
+            part = part.strip()
+            if part.isdigit():
+                v = int(part)
+                if 0 < v < self.INACTIVITY_RESET_DAYS and v not in out:
+                    out.append(v)
+        return sorted(out, reverse=True)
+
     # ===== 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)。
     # 穿山甲后台配置的"奖励校验密钥"(m-key),验签用。每个 GroMore 广告位 m-key 不同(后台各自

app/core/inactivity_reset_worker.py

@@ -0,0 +1,145 @@
+"""15 天不活跃清零的进程内每日任务。
+
+仿 daily_exchange_worker:App 启动自带,每 `INACTIVITY_RESET_CHECK_INTERVAL_SEC` 醒一次,
+跨进北京新的一天且到达 `INACTIVITY_RESET_RUN_HOUR`(默认 3 点)后跑一轮 `run_once`(预警 + 清零)。
+
+健壮性:
+- **逐用户幂等**:清完余额=0 次日不再匹配;预警按 streak 去重。启动补跑 / 多次唤醒 / 重启都安全。
+- **同机多进程互斥**:文件锁保证多 worker 只有一个实际跑。
+- **常驻 + dry-run 默认**:worker 一直跑;INACTIVITY_RESET_ENABLED=false(默认)只记审计名单、
+  不动钱(dry-run 灰度看名单),=true 才真清。
+
+⚠️ 这是不可逆批量资金操作(清空金币 + 折算现金,**邀请现金不清**)。口径见
+app.repositories.inactivity / app.repositories.activity。
+"""
+from __future__ import annotations
+
+import asyncio
+import contextlib
+import logging
+import os
+import time
+from collections.abc import Iterator
+from datetime import date, datetime
+from pathlib import Path
+
+from sqlalchemy.exc import SQLAlchemyError
+
+from app.core.config import settings
+from app.core.rewards import CN_TZ, cn_today
+from app.db.session import SessionLocal
+from app.integrations.notifier import get_notifier
+from app.repositories import inactivity as inactivity_repo
+
+logger = logging.getLogger("shagua.inactivity")
+_LOCK_PATH = Path(__file__).resolve().parents[2] / "data" / "inactivity_reset.lock"
+
+
+def _cn_today() -> date:
+    return cn_today()
+
+
+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清零 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 _run_once_entry() -> dict:
+    """跑一轮(预警 + 清零)。独立开 Session。"""
+    notifier = get_notifier(settings.INACTIVITY_NOTIFY_CHANNEL)
+    with SessionLocal() as db:
+        return inactivity_repo.run_once(
+            db,
+            notifier=notifier,
+            reset_days=settings.INACTIVITY_RESET_DAYS,
+            warn_stages=settings.inactivity_warn_stages,
+            today=_cn_today(),
+            dry_run=not settings.INACTIVITY_RESET_ENABLED,  # ENABLED=false → 只记审计名单、不清
+        )
+
+
+async def _run_loop() -> None:
+    interval = max(60, int(settings.INACTIVITY_RESET_CHECK_INTERVAL_SEC))
+    lock_stale_after = max(interval * 3, 1800)
+    with _single_instance_lock(lock_stale_after) as lock_acquired:
+        if not lock_acquired:
+            logger.warning("inactivity reset skipped: another worker owns lock")
+            return
+        await _run_locked_loop(interval)
+
+
+async def _run_locked_loop(interval: int) -> None:
+    logger.info(
+        "inactivity reset worker started interval=%ss run_hour=%s mode=%s",
+        interval,
+        settings.INACTIVITY_RESET_RUN_HOUR,
+        "clear" if settings.INACTIVITY_RESET_ENABLED else "dry-run(audit-only)",
+    )
+    # 本进程上次跑过的北京日;None=尚未跑过本进程(当天到点即补)。
+    last_run: date | None = None
+    try:
+        while True:
+            try:
+                _touch_lock()
+                today = _cn_today()
+                hour = datetime.now(CN_TZ).hour
+                if last_run != today and hour >= int(settings.INACTIVITY_RESET_RUN_HOUR):
+                    result = await asyncio.to_thread(_run_once_entry)
+                    last_run = today
+                    logger.info("inactivity reset done date=%s result=%s", today, result)
+            except SQLAlchemyError:
+                logger.exception("inactivity reset db error")
+            except Exception:  # noqa: BLE001 - 后台任务不能因单次异常退出
+                logger.exception("inactivity reset unexpected error")
+            await asyncio.sleep(interval)
+    except asyncio.CancelledError:
+        logger.info("inactivity reset worker stopped")
+        raise
+
+
+def start_inactivity_reset_worker() -> asyncio.Task | None:
+    # worker 常驻(不再有"完全关"档);INACTIVITY_RESET_ENABLED 只决定是否**真清**:
+    # false(默认)= 只记审计名单(dry-run,不动钱),true = 真清金币+现金。
+    return asyncio.create_task(_run_loop(), name="inactivity-reset")
+
+
+async def stop_inactivity_reset_worker(task: asyncio.Task | None) -> None:
+    if task is None:
+        return
+    task.cancel()
+    with contextlib.suppress(asyncio.CancelledError):
+        await task

app/core/security.py

@@ -87,6 +87,91 @@ def issue_token_pair(user_id: int) -> dict[str, Any]:
     }
 
 
+def create_bind_ticket(
+    *, openid: str, wechat_nickname: str | None, wechat_avatar_url: str | None
+) -> str:
+    """微信登录未命中 openid 时,签发短时"待绑手机"令牌,承载 openid + 微信昵称头像。
+
+    typ='wechat_bind'、sub=openid;有效期 settings.WECHAT_BIND_TICKET_EXPIRE_MINUTES 分钟。
+    与 access/refresh 用同一 JWT_SECRET_KEY 签名,靠 typ 区分,decode_bind_ticket 校验 typ。
+    """
+    now = _now()
+    expire = now + timedelta(minutes=settings.WECHAT_BIND_TICKET_EXPIRE_MINUTES)
+    payload: dict[str, Any] = {
+        "sub": openid,
+        "typ": "wechat_bind",
+        "wnk": wechat_nickname,
+        "wav": wechat_avatar_url,
+        "iat": int(now.timestamp()),
+        "exp": int(expire.timestamp()),
+    }
+    return jwt.encode(payload, settings.JWT_SECRET_KEY, algorithm=settings.JWT_ALGORITHM)
+
+
+def decode_bind_ticket(token: str) -> dict[str, Any]:
+    """解析"待绑手机"令牌,校验签名/过期/类型。失败抛 TokenError。
+
+    返回 {'openid': str, 'wnk': str|None, 'wav': str|None}。
+    """
+    try:
+        payload = jwt.decode(token, settings.JWT_SECRET_KEY, algorithms=[settings.JWT_ALGORITHM])
+    except jwt.ExpiredSignatureError as e:
+        raise TokenError("bind ticket expired") from e
+    except jwt.InvalidTokenError as e:
+        raise TokenError(f"invalid bind ticket: {e}") from e
+    if payload.get("typ") != "wechat_bind":
+        raise TokenError(f"wrong token type: want=wechat_bind got={payload.get('typ')}")
+    if "sub" not in payload:
+        raise TokenError("bind ticket missing sub")
+    return {"openid": payload["sub"], "wnk": payload.get("wnk"), "wav": payload.get("wav")}
+
+
+def create_conflict_ticket(
+    *, openid: str, wechat_nickname: str | None, wechat_avatar_url: str | None, phone: str
+) -> str:
+    """手机号占用时签发的短时"冲突处理"令牌。
+
+    比 bind_ticket 多编码 **已验证的手机号 phone** —— 换绑/继续绑定只认它,证明"这对
+    openid/手机号刚在绑号时验证通过",免用户重输验证码,又堵住"拿自己 openid + 任意手机号
+    去夺号"的接管漏洞。typ='wechat_conflict';有效期复用 WECHAT_BIND_TICKET_EXPIRE_MINUTES。
+    """
+    now = _now()
+    expire = now + timedelta(minutes=settings.WECHAT_BIND_TICKET_EXPIRE_MINUTES)
+    payload: dict[str, Any] = {
+        "sub": openid,
+        "typ": "wechat_conflict",
+        "wnk": wechat_nickname,
+        "wav": wechat_avatar_url,
+        "phn": phone,
+        "iat": int(now.timestamp()),
+        "exp": int(expire.timestamp()),
+    }
+    return jwt.encode(payload, settings.JWT_SECRET_KEY, algorithm=settings.JWT_ALGORITHM)
+
+
+def decode_conflict_ticket(token: str) -> dict[str, Any]:
+    """解析"冲突处理"令牌,校验签名/过期/类型。失败抛 TokenError。
+
+    返回 {'openid': str, 'wnk': str|None, 'wav': str|None, 'phone': str}。
+    """
+    try:
+        payload = jwt.decode(token, settings.JWT_SECRET_KEY, algorithms=[settings.JWT_ALGORITHM])
+    except jwt.ExpiredSignatureError as e:
+        raise TokenError("conflict ticket expired") from e
+    except jwt.InvalidTokenError as e:
+        raise TokenError(f"invalid conflict ticket: {e}") from e
+    if payload.get("typ") != "wechat_conflict":
+        raise TokenError(f"wrong token type: want=wechat_conflict got={payload.get('typ')}")
+    if "sub" not in payload or "phn" not in payload:
+        raise TokenError("conflict ticket missing sub/phn")
+    return {
+        "openid": payload["sub"],
+        "wnk": payload.get("wnk"),
+        "wav": payload.get("wav"),
+        "phone": payload["phn"],
+    }
+
+
 # ===================== 密码 hash(admin 后台账号用)=====================
 # 用户侧是手机号+验证码登录,不存密码;仅 admin 账号用 username+password 登录。
 

app/integrations/notifier.py

@@ -0,0 +1,43 @@
+"""不活跃预警通知器(可插拔)。
+
+v1 仅日志占位(LogNotifier):现状无真实推送能力(极光只用于一键登录解密 + 设备心跳告警,
+心跳 worker 也只打印),先把清零主流程 + 审计做扎实。后续实现同协议的 JPushNotifier /
+SmsNotifier 即可替换,worker/repo 不改。
+"""
+from __future__ import annotations
+
+import logging
+from typing import Protocol
+
+logger = logging.getLogger("shagua.inactivity")
+
+
+class InactivityNotifier(Protocol):
+    channel: str
+
+    def warn(self, *, user_id: int, coin: int, cash_cents: int,
+             stage: int, days_until_reset: int) -> str:
+        """发预警(只涉及会被清的金币 + 折算现金;邀请现金不清、不预警)。
+        返回状态:'sent' / 'failed' / 'placeholder'。"""
+        ...
+
+
+class LogNotifier:
+    """占位实现:只打印,不真推。参照 heartbeat_monitor_worker「本期先不接推送」先例。"""
+
+    channel = "log"
+
+    def warn(self, *, user_id: int, coin: int, cash_cents: int,
+             stage: int, days_until_reset: int) -> str:
+        logger.warning(
+            "[inactivity-warn] user=%s coin=%s cash_cents=%s stage=T-%s days_until_reset=%s",
+            user_id, coin, cash_cents, stage, days_until_reset,
+        )
+        return "placeholder"
+
+
+def get_notifier(channel: str) -> InactivityNotifier:
+    """按配置返回通知器。未实现的通道(jpush/sms)暂回退 LogNotifier 占位。"""
+    # 后续:if channel == "jpush": return JPushNotifier()
+    #       if channel == "sms":   return SmsNotifier()
+    return LogNotifier()

app/main.py

@@ -49,6 +49,10 @@ from app.core.heartbeat_monitor_worker import (
     start_heartbeat_monitor,
     stop_heartbeat_monitor,
 )
+from app.core.inactivity_reset_worker import (
+    start_inactivity_reset_worker,
+    stop_inactivity_reset_worker,
+)
 from app.core.logging import setup_logging
 from app.core.pricebot_client import aclose_pricebot_client, get_pricebot_client
 from app.core.withdraw_reconcile_worker import (
@@ -80,12 +84,14 @@ async def lifespan(_: FastAPI) -> AsyncIterator[None]:
     reconcile_task = start_withdraw_reconcile_worker()
     heartbeat_task = start_heartbeat_monitor()
     daily_exchange_task = start_daily_exchange_worker()
+    inactivity_task = start_inactivity_reset_worker()
     try:
         yield
     finally:
         await stop_heartbeat_monitor(heartbeat_task)
         await stop_withdraw_reconcile_worker(reconcile_task)
         await stop_daily_exchange_worker(daily_exchange_task)
+        await stop_inactivity_reset_worker(inactivity_task)
         await aclose_pricebot_client()
         logger.info("shutting down")
 

app/models/__init__.py

@@ -27,11 +27,16 @@ from app.models.coupon_state import (  # noqa: F401
     CouponSession,
 )
 from app.models.feedback import Feedback  # noqa: F401
+from app.models.inactivity import (  # noqa: F401
+    InactivityNotificationLog,
+    InactivityResetLog,
+)
 from app.models.invite import InviteRelation  # noqa: F401
 from app.models.invite_fingerprint import InviteFingerprint  # noqa: F401
 from app.models.launch_confirm_sample import LaunchConfirmSample  # noqa: F401
 from app.models.meituan_coupon import MeituanCoupon  # noqa: F401
 from app.models.onboarding import OnboardingCompletion  # noqa: F401
+from app.models.phone_rebind_log import PhoneRebindLog  # noqa: F401
 from app.models.ops_marquee_seed import OpsMarqueeSeed  # noqa: F401
 from app.models.ops_stat_config import OpsStatConfig  # noqa: F401
 from app.models.price_observation import PriceObservation  # noqa: F401

app/models/analytics_event.py

@@ -15,7 +15,7 @@ from __future__ import annotations
 
 from datetime import datetime
 
-from sqlalchemy import JSON, BigInteger, DateTime, Integer, String, func
+from sqlalchemy import JSON, BigInteger, DateTime, Index, Integer, String, func
 from sqlalchemy.orm import Mapped, mapped_column
 
 from app.db.base import Base
@@ -23,6 +23,12 @@ from app.db.base import Base
 
 class AnalyticsEvent(Base):
     __tablename__ = "analytics_event"
+    __table_args__ = (
+        # 活跃口径聚合热点(activity.active_event_condition + last_active_subqueries):
+        # 按 (event,page) 过滤 首页可见(show/home)∪比价∪领券,再 group by user_id 取
+        # max(created_at)。覆盖索引 → 该聚合走 index-only,避免高频 show 事件全表扫。
+        Index("ix_analytics_event_active", "event", "page", "user_id", "created_at"),
+    )
 
     id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
 

app/models/inactivity.py

@@ -0,0 +1,58 @@
+"""15 天不活跃清零相关表。
+
+- inactivity_reset_log:每次清零一行,记清零前三桶余额快照 + 原因 + 判定时活跃时间/不活跃天数,
+  供纠纷排查(需求①)。清零同时另写 2 条钱包流水(金币 + 折算现金,biz_type=inactivity_reset),
+  资金流可逐笔回溯。**邀请现金是产品红线、不清零**,invite_cash_balance_cents_before 仅为清零时
+  仍保留的邀请现金快照(便于排查、非被清金额;见 wallet.CoinAccount 注释)。
+- inactivity_notification_log:每次预警一行,记推送时余额快照 + 档位 + 通道 + 状态,
+  兼作"预警去重"依据(created_at > last_active)与"待推送"占位 outbox(v1 通道=log)。
+
+append-only,不更新。user_id 只索引、不设外键(同 analytics_event,避免删用户级联/历史留痕)。
+"""
+from __future__ import annotations
+
+from datetime import datetime
+
+from sqlalchemy import DateTime, Integer, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.db.base import Base
+
+
+class InactivityResetLog(Base):
+    __tablename__ = "inactivity_reset_log"
+
+    id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
+    user_id: Mapped[int] = mapped_column(Integer, index=True, nullable=False)
+    coin_balance_before: Mapped[int] = mapped_column(Integer, nullable=False)
+    cash_balance_cents_before: Mapped[int] = mapped_column(Integer, nullable=False)
+    invite_cash_balance_cents_before: Mapped[int] = mapped_column(Integer, nullable=False)
+    last_active_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    inactive_days: Mapped[int] = mapped_column(Integer, nullable=False)
+    reason: Mapped[str] = mapped_column(String(32), nullable=False)
+    reset_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), index=True, nullable=False
+    )
+
+    def __repr__(self) -> str:  # pragma: no cover
+        return f"<InactivityResetLog id={self.id} user_id={self.user_id} coin={self.coin_balance_before}>"
+
+
+class InactivityNotificationLog(Base):
+    __tablename__ = "inactivity_notification_log"
+
+    id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
+    user_id: Mapped[int] = mapped_column(Integer, index=True, nullable=False)
+    stage: Mapped[int] = mapped_column(Integer, nullable=False)      # 提前天数档(如 7 / 2)
+    inactive_days: Mapped[int] = mapped_column(Integer, nullable=False)
+    coin_balance: Mapped[int] = mapped_column(Integer, nullable=False)
+    cash_balance_cents: Mapped[int] = mapped_column(Integer, nullable=False)
+    invite_cash_balance_cents: Mapped[int] = mapped_column(Integer, nullable=False)
+    channel: Mapped[str] = mapped_column(String(16), nullable=False)   # log / jpush / sms
+    status: Mapped[str] = mapped_column(String(16), nullable=False)    # placeholder / sent / failed
+    created_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), index=True, nullable=False
+    )
+
+    def __repr__(self) -> str:  # pragma: no cover
+        return f"<InactivityNotificationLog id={self.id} user_id={self.user_id} stage={self.stage}>"

app/models/phone_rebind_log.py

@@ -0,0 +1,31 @@
+"""手机号换绑台账。
+
+记录"手机号从老账号被夺走、重建为新账号(X 注销 → Y)"这一破坏性事件,支撑"一个手机号
+30 天内最多换绑一次"的限制。手机号级、渠道无关(source 标来源);普通微信绑定不写此表。
+见 M2 spec §4.1。
+"""
+from __future__ import annotations
+
+from datetime import datetime
+
+from sqlalchemy import DateTime, Integer, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.db.base import Base
+
+
+class PhoneRebindLog(Base):
+    __tablename__ = "phone_rebind_log"
+
+    id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
+    # 被换绑的真实手机号(注意:存真实号,不是老账号被腾号后的 deleted_<id>)
+    phone: Mapped[str] = mapped_column(String(20), index=True, nullable=False)
+    # 被注销的老账号 X;P 换绑时已被腾空(极边界)则为空
+    old_user_id: Mapped[int | None] = mapped_column(Integer, nullable=True)
+    # 换绑后新建的账号 Y
+    new_user_id: Mapped[int] = mapped_column(Integer, nullable=False)
+    # 换绑来源。手机号级配额、渠道无关,留字段给未来其他换绑路径共用同一份 30 天限制。
+    source: Mapped[str] = mapped_column(String(32), nullable=False, default="wechat_conflict")
+    rebound_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), index=True, nullable=False
+    )

app/repositories/activity.py

@@ -0,0 +1,101 @@
+"""活跃口径唯一真源:worker(不活跃清零)与 admin(最近活跃/DAU)共用,防两处漂移。
+
+口径 = max(User.created_at, AnalyticsEvent[首页可见 show/home + 比价 + 领券], CouponPromptEngagement[claim_started])。
+**不含 last_login_at**(登录/re-login 不代表在用 App);created_at 为恒非空基线。
+清零/预警按北京自然日 0 点对齐(见 reset_cutoff)。
+"""
+from __future__ import annotations
+
+from datetime import date, datetime, timedelta, timezone
+
+from sqlalchemy import and_, func, or_, select
+from sqlalchemy.orm import Session
+
+from app.core.rewards import CN_TZ, cn_today
+from app.models.analytics_event import AnalyticsEvent
+from app.models.coupon_state import CouponPromptEngagement
+
+# —— 活跃口径事件(与"用户管理"口径一致)——
+# 首页可见:前端埋点 event=show + page=home(组合判定,单个 event 名不足以区分,见
+# active_event_condition);其余为纯 event 名。
+HOME_VIEW_EVENT = "show"
+HOME_VIEW_PAGE = "home"
+COMPARE_START_EVENT = "real_compare_start"   # 发起比价(含浮窗触发)
+COUPON_START_EVENT = "real_coupon_start"     # 发起领券
+# 纯 event 名即可判定的活跃事件(首页可见是 event+page 组合、不在此列)
+ACTIVE_EVENTS = (COMPARE_START_EVENT, COUPON_START_EVENT)
+ACTIVE_ENGAGE_TYPE = "claim_started"         # coupon_prompt_engagement 一键领取
+
+
+def active_event_condition():
+    """analytics_event 中算"活跃"的行为过滤:首页可见(event=show & page=home)
+    ∪ 发起比价 ∪ 发起领券。worker 子查询与 admin 展示共用,单一真源。"""
+    return or_(
+        and_(AnalyticsEvent.event == HOME_VIEW_EVENT, AnalyticsEvent.page == HOME_VIEW_PAGE),
+        AnalyticsEvent.event.in_(ACTIVE_EVENTS),
+    )
+
+
+def as_utc(value: datetime) -> datetime:
+    """任意 datetime → tz-aware UTC(无时区按 UTC 解释)。用于与 DateTime(timezone=True) 列比较,
+    比较绝对时刻、与会话时区无关(口径同 admin queries._as_utc)。"""
+    if value.tzinfo is None:
+        return value.replace(tzinfo=timezone.utc)
+    return value.astimezone(timezone.utc)
+
+
+def norm_utc(dt: datetime | None) -> datetime | None:
+    """naive 视为 UTC 补 tzinfo(SQLite 读回 naive、PG 读回 aware,混着 max() 会 TypeError)。"""
+    if dt is None:
+        return None
+    return dt if dt.tzinfo is not None else dt.replace(tzinfo=timezone.utc)
+
+
+def cn_midnight_utc(d: date) -> datetime:
+    """北京 d 日 00:00 → tz-aware UTC datetime。"""
+    return as_utc(datetime(d.year, d.month, d.day, tzinfo=CN_TZ))
+
+
+def reset_cutoff(reset_days: int, today: date | None = None) -> datetime:
+    """应清零边界(tz-aware UTC):last_active < 此值 ⟺ 距末次活跃已满 reset_days 天(北京 0 点对齐)。
+    = 北京 00:00 of (today − (reset_days − 1))。例:reset_days=15、today=1/20 → 北京 1/6 00:00。"""
+    today = today or cn_today()
+    return cn_midnight_utc(today - timedelta(days=reset_days - 1))
+
+
+def last_active_subqueries(db: Session):
+    """两个按 user_id 预聚合的派生表:最近活跃事件(见 active_event_condition)、
+    最近领券发起(claim_started)。返回 (ev_sub, eng_sub)。口径同 admin,LEFT JOIN 用。"""
+    ev_sub = (
+        select(
+            AnalyticsEvent.user_id.label("user_id"),
+            func.max(AnalyticsEvent.created_at).label("last_at"),
+        )
+        .where(AnalyticsEvent.user_id.is_not(None), active_event_condition())
+        .group_by(AnalyticsEvent.user_id)
+        .subquery()
+    )
+    eng_sub = (
+        select(
+            CouponPromptEngagement.user_id.label("user_id"),
+            func.max(CouponPromptEngagement.created_at).label("last_at"),
+        )
+        .where(
+            CouponPromptEngagement.user_id.is_not(None),
+            CouponPromptEngagement.engage_type == ACTIVE_ENGAGE_TYPE,
+        )
+        .group_by(CouponPromptEngagement.user_id)
+        .subquery()
+    )
+    return ev_sub, eng_sub
+
+
+def last_active_expr(base_col, ev_sub, eng_sub, dialect: str):
+    """max(base_col, 最近活跃事件, 最近领券) 的 SQL 表达式。PG 用 greatest、SQLite 用 max。
+    子聚合缺失(未命中)时 coalesce 到 base_col(= User.created_at,恒非空基线)。"""
+    greatest = func.greatest if dialect == "postgresql" else func.max
+    return greatest(
+        base_col,
+        func.coalesce(ev_sub.c.last_at, base_col),
+        func.coalesce(eng_sub.c.last_at, base_col),
+    )

app/repositories/inactivity.py

@@ -0,0 +1,198 @@
+"""15 天不活跃清零业务逻辑(纯同步,可单测)。worker 只是它的 asyncio 外壳。
+
+活跃口径复用 app.repositories.activity;清零走 wallet.grant_*(负数出账、写流水、不 commit)。
+逐用户独立事务,一个失败不影响其余。
+"""
+from __future__ import annotations
+
+import logging
+from datetime import date, datetime
+
+from sqlalchemy import or_, select
+from sqlalchemy.exc import SQLAlchemyError
+from sqlalchemy.orm import Session
+
+from app.core.rewards import CN_TZ
+from app.integrations.notifier import InactivityNotifier
+from app.models.inactivity import InactivityNotificationLog, InactivityResetLog
+from app.models.user import User
+from app.models.wallet import CoinAccount
+from app.repositories import activity
+from app.repositories import wallet as wallet_repo
+
+logger = logging.getLogger("shagua.inactivity")
+
+RESET_BIZ_TYPE = "inactivity_reset"
+RESET_REMARK = "15天不活跃清零"
+
+# 清零候选口径:金币或折算现金有余额即入选。**邀请现金不算**——它是产品红线、不清零
+# (见 wallet.CoinAccount 注释),只有邀请现金余额的用户没有可清项,故不入选。
+_ANY_BALANCE = or_(
+    CoinAccount.coin_balance > 0,
+    CoinAccount.cash_balance_cents > 0,
+)
+
+
+def _base_query(db: Session):
+    """select(user_id, last_active, 三桶余额),join CoinAccount + 两活跃子查询。"""
+    ev_sub, eng_sub = activity.last_active_subqueries(db)
+    dialect = db.get_bind().dialect.name
+    last_active = activity.last_active_expr(User.created_at, ev_sub, eng_sub, dialect)
+    stmt = (
+        select(
+            User.id.label("user_id"),
+            last_active.label("last_active"),
+            CoinAccount.coin_balance,
+            CoinAccount.cash_balance_cents,
+            CoinAccount.invite_cash_balance_cents,
+        )
+        .join(CoinAccount, CoinAccount.user_id == User.id)
+        .outerjoin(ev_sub, ev_sub.c.user_id == User.id)
+        .outerjoin(eng_sub, eng_sub.c.user_id == User.id)
+    )
+    return stmt, last_active
+
+
+def _cn_date(dt: datetime) -> date:
+    """datetime → 北京自然日(naive 视为 UTC)。"""
+    return activity.norm_utc(dt).astimezone(CN_TZ).date()
+
+
+def _inactive_days(last_active: datetime, today: date) -> int:
+    return (today - _cn_date(last_active)).days
+
+
+def select_inactive_users(db: Session, *, cutoff: datetime):
+    """应清零用户:last_active < cutoff 且金币/折算现金有余额(邀请现金不清、不计)。
+    返回 Row 列表(值已快照,可跨 commit)。"""
+    stmt, last_active = _base_query(db)
+    stmt = stmt.where(_ANY_BALANCE, last_active < activity.as_utc(cutoff))
+    return db.execute(stmt).all()
+
+
+def clear_user(db: Session, *, user_id: int, last_active: datetime, inactive_days: int,
+               reason: str, dry_run: bool = False) -> bool:
+    """单用户清零(独立事务、行锁)。金币 + 折算现金归零 + 写审计 + 2 条流水;**邀请现金不清**
+    (产品红线,见 wallet.CoinAccount 注释),仅作快照记入审计。返回是否真处理了(有可清余额)。
+
+    dry_run=True:**只写审计名单、不动钱不写流水**(灰度看名单)。按 streak 去重——本 streak
+    已记过(reset_at > last_active)就跳,避免 worker 每日重复记。"""
+    acc = wallet_repo.get_or_create_account(db, user_id, commit=False, lock=True)
+    coin, cash, invite = acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents
+    if coin == 0 and cash == 0:  # 邀请现金不清,故不算"有可清余额"
+        return False
+    if dry_run and db.execute(
+        select(InactivityResetLog.id).where(
+            InactivityResetLog.user_id == user_id,
+            InactivityResetLog.reset_at > activity.as_utc(last_active),
+        ).limit(1)
+    ).first():
+        return False  # dry-run:本 streak 已记过审计,不重复记
+    log = InactivityResetLog(
+        user_id=user_id, coin_balance_before=coin, cash_balance_cents_before=cash,
+        invite_cash_balance_cents_before=invite, last_active_at=activity.norm_utc(last_active),
+        inactive_days=inactive_days, reason=reason,
+    )
+    db.add(log)
+    db.flush()  # 拿 log.id 作 ref_id 交叉链接审计↔流水
+    if not dry_run:  # dry-run 只记审计名单,不真出账
+        ref = str(log.id)
+        if coin:
+            wallet_repo.grant_coins(db, user_id, -coin, biz_type=RESET_BIZ_TYPE, ref_id=ref, remark=RESET_REMARK)
+        if cash:
+            wallet_repo.grant_cash(db, user_id, -cash, biz_type=RESET_BIZ_TYPE, ref_id=ref, remark=RESET_REMARK)
+        # 邀请现金(invite_cash_balance_cents)刻意不动:两本账物理隔离、邀请金是产品红线。
+    db.commit()
+    return True
+
+
+def run_reset_once(db: Session, *, reset_days: int, today: date, dry_run: bool = False) -> dict:
+    """扫一轮清零。逐用户独立 commit,失败隔离。dry_run=True 只记审计名单、不动钱(见 clear_user)。"""
+    stats = {"scanned": 0, "cleared": 0, "failed": 0}
+    cutoff = activity.reset_cutoff(reset_days, today)
+    reason = f"inactive_{reset_days}d" + ("_dryrun" if dry_run else "")
+    rows = select_inactive_users(db, cutoff=cutoff)  # 先物化,避免边遍历边 commit
+    for row in rows:
+        stats["scanned"] += 1
+        idays = _inactive_days(row.last_active, today)
+        try:
+            if clear_user(db, user_id=row.user_id, last_active=row.last_active,
+                          inactive_days=idays, reason=reason, dry_run=dry_run):
+                stats["cleared"] += 1
+        except SQLAlchemyError:
+            db.rollback()
+            stats["failed"] += 1
+    return stats
+
+
+def select_warn_candidates(db: Session, *, clear_cutoff: datetime, warn_hi: datetime):
+    """预警候选:clear_cutoff <= last_active < warn_hi 且有可清余额(即已进预警窗、尚未到清零)。"""
+    stmt, last_active = _base_query(db)
+    stmt = stmt.where(
+        _ANY_BALANCE,
+        last_active >= activity.as_utc(clear_cutoff),
+        last_active < activity.as_utc(warn_hi),
+    )
+    return db.execute(stmt).all()
+
+
+def run_warn_once(db: Session, notifier: InactivityNotifier, *,
+                  reset_days: int, warn_stages: list[int], today: date) -> dict:
+    """扫一轮预警。每人取"最紧急的已到达档",按 streak 去重(notification_log.created_at > last_active)。
+    预警只涉及会被清的金币 + 折算现金;邀请现金不清、不预警(仅在 notification_log 记快照)。
+    逐用户 try/except 隔离:单用户通知器抛错 / DB 错不阻断其余,也绝不能拖累后续清零。"""
+    stats = {"warned": 0, "warn_skipped": 0, "warn_failed": 0}
+    if not warn_stages:
+        return stats
+    clear_cutoff = activity.reset_cutoff(reset_days, today)                # 到此即清零,不再预警
+    warn_hi = activity.reset_cutoff(reset_days - max(warn_stages), today)  # 最早预警档边界
+    ascending = sorted(warn_stages)                                       # 最紧急(最小 k)在前
+    for row in select_warn_candidates(db, clear_cutoff=clear_cutoff, warn_hi=warn_hi):
+        idays = _inactive_days(row.last_active, today)
+        stage = next((k for k in ascending if idays >= reset_days - k), None)
+        if stage is None:  # 防御:候选已在预警窗内、stage 必命中,此分支实际不可达
+            continue
+        try:
+            already = db.execute(
+                select(InactivityNotificationLog.id).where(
+                    InactivityNotificationLog.user_id == row.user_id,
+                    InactivityNotificationLog.stage == stage,
+                    InactivityNotificationLog.created_at > activity.as_utc(row.last_active),
+                ).limit(1)
+            ).first()
+            if already:
+                stats["warn_skipped"] += 1
+                continue
+            status = notifier.warn(
+                user_id=row.user_id, coin=row.coin_balance, cash_cents=row.cash_balance_cents,
+                stage=stage, days_until_reset=reset_days - idays,
+            )
+            db.add(InactivityNotificationLog(
+                user_id=row.user_id, stage=stage, inactive_days=idays,
+                coin_balance=row.coin_balance, cash_balance_cents=row.cash_balance_cents,
+                invite_cash_balance_cents=row.invite_cash_balance_cents,  # 快照,不参与"将清"额度
+                channel=notifier.channel, status=status,
+            ))
+            db.commit()
+            stats["warned"] += 1
+        except Exception:  # noqa: BLE001 - 单用户预警失败(通知器抛错/DB 错)隔离,不阻断其余、不拖累清零
+            db.rollback()
+            stats["warn_failed"] += 1
+    return stats
+
+
+def run_once(db: Session, *, notifier: InactivityNotifier, reset_days: int,
+             warn_stages: list[int], today: date, dry_run: bool = False) -> dict:
+    """一轮完整任务:先预警(阶段 A)再清零(阶段 B)。返回合并统计。
+    预警整段异常也**绝不阻塞清零**——清零是核心、不可逆资金操作,不能被通知故障拖住。
+    dry_run=True(灰度默认):只记审计名单、不清、**也不预警**(不通知一个不会发生的清零)。"""
+    warn = {"warned": 0, "warn_skipped": 0, "warn_failed": 0}
+    if not dry_run:
+        try:
+            warn = run_warn_once(db, notifier, reset_days=reset_days, warn_stages=warn_stages, today=today)
+        except Exception:  # noqa: BLE001 - 预警阶段整体失败(如候选查询失败)也要继续清零
+            logger.exception("inactivity warn phase failed; proceeding to reset")
+            db.rollback()
+            warn = {"warned": 0, "warn_skipped": 0, "warn_failed": 0, "warn_phase_error": 1}
+    reset = run_reset_once(db, reset_days=reset_days, today=today, dry_run=dry_run)
+    return {**warn, **reset}

app/repositories/phone_rebind.py

@@ -0,0 +1,39 @@
+"""手机号换绑台账(phone_rebind_log)的查询与写入。见 M2 spec §4.1。"""
+from __future__ import annotations
+
+import math
+from datetime import datetime, timedelta, timezone
+
+from sqlalchemy import func, select
+from sqlalchemy.orm import Session
+
+from app.models.phone_rebind_log import PhoneRebindLog
+
+
+def rebound_within_days(db: Session, phone: str, days: int) -> bool:
+    """该手机号在最近 days 天内是否换绑过(命中 → 禁止再次换绑)。"""
+    since = datetime.now(timezone.utc) - timedelta(days=days)
+    stmt = (
+        select(PhoneRebindLog.id)
+        .where(PhoneRebindLog.phone == phone, PhoneRebindLog.rebound_at >= since)
+        .limit(1)
+    )
+    return db.execute(stmt).first() is not None
+
+
+def remaining_block_days(db: Session, phone: str, days: int) -> int:
+    """距离该手机号可再次换绑还剩几天(向上取整;无记录返回 0)。"""
+    last = db.execute(
+        select(func.max(PhoneRebindLog.rebound_at)).where(PhoneRebindLog.phone == phone)
+    ).scalar_one_or_none()
+    if last is None:
+        return 0
+    if last.tzinfo is None:  # SQLite 取回 naive datetime,按 UTC 归一
+        last = last.replace(tzinfo=timezone.utc)
+    remaining = (last + timedelta(days=days) - datetime.now(timezone.utc)).total_seconds()
+    return max(0, math.ceil(remaining / 86400))
+
+
+def add_rebind_log(db: Session, *, phone: str, old_user_id: int | None, new_user_id: int, source: str) -> None:
+    """写一条换绑台账(**不 commit**,交给调用方 rebind_account 的单事务)。"""
+    db.add(PhoneRebindLog(phone=phone, old_user_id=old_user_id, new_user_id=new_user_id, source=source))

app/repositories/user.py

@@ -12,6 +12,7 @@ from sqlalchemy import select
 from sqlalchemy.orm import Session
 
 from app.models.user import User
+from app.repositories import phone_rebind
 
 
 # ===== 创建时分配的标识:用户名(对外展示账号 ID)+ 默认昵称 =====
@@ -58,6 +59,17 @@ def is_default_nickname(nickname: str | None) -> bool:
     )
 
 
+def apply_wechat_display_identity(
+    user: User, *, wechat_nickname: str | None, wechat_avatar_url: str | None
+) -> None:
+    """§10:用已有账号绑微信时,仅当展示字段仍为默认才用微信昵称/头像替换(两规则独立);
+    自定义(改过昵称/传过头像)则保留。只改内存对象,由调用方 commit。"""
+    if is_default_nickname(user.nickname) and wechat_nickname:
+        user.nickname = wechat_nickname
+    if user.avatar_url is None and wechat_avatar_url:
+        user.avatar_url = wechat_avatar_url
+
+
 def get_user_by_username(db: Session, username: str) -> User | None:
     return db.execute(
         select(User).where(User.username == username)
@@ -86,6 +98,85 @@ def get_user_by_phone(db: Session, phone: str) -> User | None:
     return db.execute(stmt).scalar_one_or_none()
 
 
+def get_user_by_wechat_openid(db: Session, openid: str) -> User | None:
+    stmt = select(User).where(User.wechat_openid == openid)
+    return db.execute(stmt).scalar_one_or_none()
+
+
+def touch_last_login(db: Session, user: User) -> User:
+    """openid 命中登录时更新 last_login_at(手机号登录在 upsert_user_for_login 里已更新)。"""
+    user.last_login_at = datetime.now(timezone.utc)
+    db.commit()
+    db.refresh(user)
+    return user
+
+
+def attach_wechat_to_user(
+    db: Session, user: User, *, openid: str, wechat_nickname: str | None, wechat_avatar_url: str | None
+) -> User:
+    """继续绑定:把微信 openid + 微信源字段并入已存在账号(调用方保证 user.wechat_openid 为空)。
+
+    写 wechat_openid / wechat_nickname / wechat_avatar_url,并按 §10 规则回填展示字段:
+    仅当昵称仍为默认值(is_default_nickname)时用微信昵称替换,仅当头像为 null 时用微信头像替换;
+    用户已自定义的展示昵称/头像始终保留,两规则相互独立。
+    撞 openid 唯一约束(O 期间被别处绑走,极罕见)时由调用方捕获 IntegrityError 兜底降级为"只登入不绑"。
+    """
+    user.wechat_openid = openid
+    user.wechat_nickname = wechat_nickname
+    user.wechat_avatar_url = wechat_avatar_url
+    user.last_login_at = datetime.now(timezone.utc)
+    apply_wechat_display_identity(user, wechat_nickname=wechat_nickname, wechat_avatar_url=wechat_avatar_url)
+    db.commit()
+    db.refresh(user)
+    return user
+
+
+def _build_wechat_user(
+    db: Session,
+    *,
+    phone: str,
+    openid: str,
+    wechat_nickname: str | None,
+    wechat_avatar_url: str | None,
+) -> User:
+    """构造并 db.add 一个微信账号行(register_channel='wechat',展示昵称头像取微信,缺则默认),
+    **不 commit**。create_wechat_user 与 rebind_account 共用,保证建号逻辑单一来源。"""
+    user = User(
+        phone=phone,
+        username=_gen_unique_username(db),
+        nickname=wechat_nickname or _gen_nickname(),
+        avatar_url=wechat_avatar_url,
+        register_channel="wechat",
+        wechat_openid=openid,
+        wechat_nickname=wechat_nickname,
+        wechat_avatar_url=wechat_avatar_url,
+        last_login_at=datetime.now(timezone.utc),
+    )
+    db.add(user)
+    return user
+
+
+def create_wechat_user(
+    db: Session,
+    *,
+    phone: str,
+    openid: str,
+    wechat_nickname: str | None,
+    wechat_avatar_url: str | None,
+) -> User:
+    """微信登录新建账号(未占用分支)。见 _build_wechat_user。
+
+    openid 唯一约束是并发/重复绑定的最终防线(极罕见,openid 在 wechat-login 刚查过为空)。
+    """
+    user = _build_wechat_user(
+        db, phone=phone, openid=openid,
+        wechat_nickname=wechat_nickname, wechat_avatar_url=wechat_avatar_url,
+    )
+    db.commit()
+    db.refresh(user)
+    return user
+
+
 def upsert_user_for_login(
     db: Session,
     *,
@@ -154,3 +245,44 @@ def soft_delete_account(db: Session, user: User) -> None:
     # 释放邀请码唯一槽
     user.invite_code = None
     db.commit()
+
+
+def rebind_account(
+    db: Session,
+    *,
+    phone: str,
+    openid: str,
+    wechat_nickname: str | None,
+    wechat_avatar_url: str | None,
+    source: str = "wechat_conflict",
+) -> User:
+    """换绑:**单事务内**注销老账号 X(腾出手机号)+ 用该号建全新微信账号 Y + 写换绑台账。
+
+    - 老账号可能已不存在(P 被腾空)→ old_user_id=None,直接建 Y(幂等更稳)。
+    - 手机号唯一约束靠时序:先把 X.phone 改名并 flush 腾号,再插 Y。
+    - 全程不中途 commit,任一步失败整体回滚,绝不出现"X 删了 Y 没建"。
+    X 的字段变更等价 soft_delete_account(软删 + 匿名化 + 释放 openid/邀请码唯一槽),但不在此 commit。
+    """
+    old = get_user_by_phone(db, phone)
+    old_id = old.id if old is not None else None
+    if old is not None:
+        old.status = "deleted"
+        old.phone = f"deleted_{old.id}"
+        old.nickname = None
+        old.avatar_url = None
+        old.wechat_openid = None
+        old.wechat_nickname = None
+        old.wechat_avatar_url = None
+        old.invite_code = None
+        db.flush()  # 先落 phone 改名,腾出手机号唯一约束,才能给 Y 用
+    new_user = _build_wechat_user(
+        db, phone=phone, openid=openid,
+        wechat_nickname=wechat_nickname, wechat_avatar_url=wechat_avatar_url,
+    )
+    db.flush()  # 拿 new_user.id
+    phone_rebind.add_rebind_log(
+        db, phone=phone, old_user_id=old_id, new_user_id=new_user.id, source=source
+    )
+    db.commit()
+    db.refresh(new_user)
+    return new_user

app/repositories/wallet.py

@@ -20,6 +20,7 @@ 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.repositories.user import apply_wechat_display_identity
 from app.models.wallet import (
     CashTransaction,
     CoinAccount,
@@ -378,6 +379,7 @@ def bind_wechat_openid(db: Session, user_id: int, code: str) -> dict:
     user.wechat_openid = info["openid"]
     user.wechat_nickname = info["nickname"]
     user.wechat_avatar_url = info["avatar_url"]
+    apply_wechat_display_identity(user, wechat_nickname=info["nickname"], wechat_avatar_url=info["avatar_url"])
     db.commit()
     return info
 

app/schemas/auth.py

@@ -102,3 +102,64 @@ class RefreshRequest(BaseModel):
 
 class LogoutResponse(BaseModel):
     ok: bool = True
+
+
+# ===== 微信登录 =====
+
+class WechatLoginRequest(BaseModel):
+    code: str = Field(..., min_length=1, description="微信 App 授权拿到的 code(单次有效)")
+    device_id: str = Field(
+        "", max_length=64,
+        description="硬件级设备标识(Android ANDROID_ID),用于新手引导按 设备+账号 去重;空=按未完成处理",
+    )
+
+
+class WechatLoginResponse(BaseModel):
+    # status="logged_in" → openid 命中,token 有值;"need_bind_phone" → 未命中,bind_ticket 有值
+    status: str
+    token: TokenWithUser | None = None
+    bind_ticket: str | None = None
+    wechat_nickname: str | None = None
+    wechat_avatar_url: str | None = None
+
+
+class OccupiedAccountInfo(BaseModel):
+    """手机号被占用时返回的原账号脱敏展示信息(供冲突页)。"""
+    nickname: str | None = None
+    avatar_url: str | None = None
+    created_at: datetime
+    has_wechat: bool = False
+
+
+class WechatBindResultResponse(BaseModel):
+    # status="logged_in" → 未占用,已建号登入,token 有值;
+    # "phone_occupied" → 手机号被占用,occupied_account + conflict_ticket 有值,token 为 None
+    status: str
+    token: TokenWithUser | None = None
+    occupied_account: OccupiedAccountInfo | None = None
+    conflict_ticket: str | None = None            # 占用时签发,换绑/继续绑定只认它
+    rebind_available: bool | None = None          # 该手机号 30 天内是否还能换绑(给换绑按钮预置禁用态)
+    rebind_blocked_days: int | None = None        # 被限时剩余天数(rebind_available=False 时>0)
+
+
+class WechatBindPhoneSmsRequest(BaseModel):
+    bind_ticket: str = Field(..., min_length=1)
+    phone: str = Field(..., min_length=11, max_length=11, pattern=r"^1\d{10}$")
+    code: str = Field(..., min_length=4, max_length=8)
+    device_id: str = Field("", max_length=64)
+
+
+class WechatBindPhoneJverifyRequest(BaseModel):
+    bind_ticket: str = Field(..., min_length=1)
+    login_token: str = Field(..., min_length=1, description="客户端 loginAuth 拿到的 loginToken")
+    device_id: str = Field("", max_length=64)
+
+
+class WechatConflictContinueRequest(BaseModel):
+    conflict_ticket: str = Field(..., min_length=1)
+    device_id: str = Field("", max_length=64)
+
+
+class WechatConflictRebindRequest(BaseModel):
+    conflict_ticket: str = Field(..., min_length=1)
+    device_id: str = Field("", max_length=64)

docs/database/README.md

@@ -42,6 +42,8 @@
 | `ad_ecpm_record` | 广告展示 eCPM 上报(收益对账) | `models/ad_ecpm.py` | [详情](./ad_ecpm_record.md) |
 | `ad_feed_reward_record` | 信息流/Draw 广告结算记录(10 秒一份,client_event_id 幂等;`ad_type`+`feed_scene` 分形态/场景) | `models/ad_feed_reward.py` | [详情](./ad_feed_reward_record.md) |
 | `ad_pangle_daily_revenue` | 穿山甲 GroMore 后台收益日表(定时拉取,收益报表/大盘真实收益源,#92) | `models/ad_pangle_revenue.py` | [详情](./ad_pangle_daily_revenue.md) |
+| `inactivity_reset_log` | 15 天不活跃清零审计(每次清零一行;清零前三桶余额快照+原因+不活跃天数;只清金币+现金,邀请金仅快照) | `models/inactivity.py` | [详情](./inactivity_reset_log.md) |
+| `inactivity_notification_log` | 不活跃清零前预警记录(余额快照+档位+通道+状态;streak 去重依据 + 占位 outbox) | `models/inactivity.py` | [详情](./inactivity_notification_log.md) |
 
 ### 比价 / 省钱
 | 表 | 用途 | 模型 | 文档 |

docs/database/inactivity_notification_log.md

@@ -0,0 +1,36 @@
+# inactivity_notification_log — 不活跃清零前预警记录
+
+> 模型 `app/models/inactivity.py` · 仓库 `app/repositories/inactivity.py` · 通知器 `app/integrations/notifier.py` · [← 索引](./README.md) · [总览](./OVERVIEW.md)
+
+清零前按可配置节奏(`INACTIVITY_WARN_DAYS_BEFORE`,默认清零前 7 天、2 天各一次)向用户预警"账户里的 xx 金币和 xx 现金将被清零"。每发一次预警写一行,记推送时的余额快照 + 提前天数档 + 通道 + 状态。兼作两用:**预警去重**依据(同 streak 内 `stage==k 且 created_at > last_active` 即已推过、不重推)与**占位 outbox**(v1 通道=`log`,只打日志不真推;后续接 JPush/短信同层扩展)。append-only,不更新。**预警只涉及会被清的金币 + 折算现金;邀请奖励金不清、不预警**(`invite_cash_balance_cents` 仅作账户状态快照)。
+
+## 用在哪 / 增删改查
+- **C(插入)**:`inactivity.run_warn_once` 命中预警档、且本 streak 未推过时,调 `notifier.warn` 后写一行(`status` = 通知器返回,占位实现为 `placeholder`)。
+- **U / D**:无(append-only)。
+- **R**:预警去重查询(`user_id + stage + created_at > last_active`);未来接真实推送时作待推送 outbox。
+
+## 字段
+| 列 | 类型 | 约束 / 默认 | 说明(取值 / join) |
+|---|---|---|---|
+| `id` | Integer | **PK**, autoincrement | 主键 |
+| `user_id` | Integer | NOT NULL, index | 预警对象;只索引不设外键(同 `analytics_event`) |
+| `stage` | Integer | NOT NULL | 提前天数档(如 `7` / `2`,即清零前第几天推) |
+| `inactive_days` | Integer | NOT NULL | 推送时的不活跃天数(北京自然日) |
+| `coin_balance` | Integer | NOT NULL | 推送时金币余额快照(将被清) |
+| `cash_balance_cents` | Integer | NOT NULL | 推送时折算现金余额快照(分,将被清) |
+| `invite_cash_balance_cents` | Integer | NOT NULL | 推送时**邀请奖励金**余额快照(分,**不清、不在预警额度内**) |
+| `channel` | String(16) | NOT NULL | 通道:`log`(占位) / `jpush` / `sms` |
+| `status` | String(16) | NOT NULL | 状态:`placeholder`(占位未真推) / `sent` / `failed` |
+| `created_at` | DateTime(tz) | server_default now(), index | 推送时刻;去重比 `created_at > last_active`(用户回归后 `last_active` 前移 → 旧行自然失效、开启新 streak) |
+
+## 关系 / Join Key
+- `user_id` → `user.id`(无外键直连,靠 `user_id` 关联)。
+- 与 `inactivity_reset_log` 无直接外键;同一 streak 内先有若干预警行,到期后有一行清零。
+
+## 索引与约束
+- PK `id`;`ix_inactivity_notification_log_user_id`、`ix_inactivity_notification_log_created_at`。
+
+## 注意
+- **预警去重按 streak**:判据是 `created_at > last_active`;用户一有活跃(`home_view`/比价/领券),`last_active` 前移,旧预警行"失效",回归后可重新进入预警。
+- **占位实现**:v1 `LogNotifier` 只 `logger.warning("[inactivity-warn] ...")`、返回 `placeholder`,不真推(参照心跳告警"本期先不接推送"先例)。
+- **漏跑补发**:worker 漏跑数天后某用户可能同时满足多档,只补发**最紧急的未推档**(最小提前天数),避免刷屏。

docs/database/inactivity_reset_log.md

@@ -0,0 +1,35 @@
+# inactivity_reset_log — 15 天不活跃清零审计
+
+> 模型 `app/models/inactivity.py` · 仓库 `app/repositories/inactivity.py` · worker `app/core/inactivity_reset_worker.py` · [← 索引](./README.md) · [总览](./OVERVIEW.md)
+
+连续 15 天不活跃(北京自然日,活跃口径见 `app/repositories/activity.py`:`home_view` + 发起比价 + 发起领券,**不含登录**)的用户,worker 每日自动清零其**金币 + 折算现金**。每清一个用户写一行,记清零前三桶余额快照 + 原因 + 判定时的活跃时间/不活跃天数,供纠纷排查。清零同时另写 2 条钱包流水(`coin_transaction` / `cash_transaction`,`biz_type=inactivity_reset`,`ref_id=` 本表 `id`),资金流可逐笔回溯、人工恢复。**邀请奖励金(`invite_cash_balance_cents`)是产品红线、不清零**,本表 `invite_cash_balance_cents_before` 仅为清零时仍保留的邀请金快照(非被清金额)。append-only,不更新。
+
+## 用在哪 / 增删改查
+- **C(插入)**:`inactivity.clear_user` 逐用户清零(独立事务、行锁)时写一行,`db.flush()` 拿 `id` 作流水 `ref_id` 交叉链接。
+- **U / D**:无(append-only 审计)。
+- **R**:纠纷排查 / 对账(与 `coin_transaction` / `cash_transaction` 的 `ref_id` 交叉核对)。
+
+## 字段
+| 列 | 类型 | 约束 / 默认 | 说明(取值 / join) |
+|---|---|---|---|
+| `id` | Integer | **PK**, autoincrement | 主键;作 `ref_id` 写入两条清零流水 |
+| `user_id` | Integer | NOT NULL, index | 被清零用户;只索引不设外键(同 `analytics_event`,避免删用户级联 / 留历史) |
+| `coin_balance_before` | Integer | NOT NULL | 清零前金币余额(个数);= 对应 `coin_transaction.amount` 绝对值 |
+| `cash_balance_cents_before` | Integer | NOT NULL | 清零前折算现金余额(分);= 对应 `cash_transaction.amount_cents` 绝对值 |
+| `invite_cash_balance_cents_before` | Integer | NOT NULL | 清零时的**邀请奖励金**余额快照(分)——**不清、原封保留**,仅记录以证明"未动邀请金" |
+| `last_active_at` | DateTime(tz) | nullable | 判定时的最近活跃时刻(UTC);无任何活跃信号时兜底为 `user.created_at` |
+| `inactive_days` | Integer | NOT NULL | 判定时的不活跃天数(北京自然日) |
+| `reason` | String(32) | NOT NULL | 清零原因,如 `inactive_15d` |
+| `reset_at` | DateTime(tz) | server_default now(), index | 清零时刻 |
+
+## 关系 / Join Key
+- `user_id` → `user.id`(无外键直连,靠 `user_id` 关联)。
+- `id` → `coin_transaction.ref_id` / `cash_transaction.ref_id`(`biz_type=inactivity_reset`):审计行 ↔ 资金流水交叉对账。
+
+## 索引与约束
+- PK `id`;`ix_inactivity_reset_log_user_id`(按用户查)、`ix_inactivity_reset_log_reset_at`(按时间查)。
+
+## 注意
+- **只清 2 桶**:金币 + 折算现金;**邀请现金不清**(两本账物理隔离,见 [`coin_account`](./coin_account.md) / `wallet.CoinAccount` 注释)。
+- **天然幂等**:清完余额=0,次日不再匹配;worker 重启 / 多次唤醒 / 补跑都不会重复清零或重复流水。
+- **总闸默认关**(`INACTIVITY_RESET_ENABLED=false`),灰度验证清零名单后再开。

docs/superpowers/specs/2026-07-16-inactivity-reset-design.md

@@ -0,0 +1,296 @@
+# 15 天不活跃自动清零（金币 + 现金）设计
+
+- **日期**：2026-07-16
+- **状态**：Draft — 待评审
+- **所属**：app-server（`app/`），含一处 admin 侧重构 + 一项 Android 端埋点依赖
+- **一句话**：连续 15 天不活跃的用户，自动清零其金币与现金；清零前按可配置节奏预警；全过程留审计以备纠纷排查。
+
+---
+
+## 1. 背景与目标
+
+运营需要对**长期不活跃**用户的钱包余额做清理。两条硬性要求：
+
+1. **可审计**：记录清零原因与**清零前的三桶余额**，便于后续排查与处理客户纠纷。
+2. **临清预警**：在临近清零前推送信息告知用户"因账号不活跃，账户里的 xx 金币和 xx 现金将被清零"。
+
+### 非目标（本期不做）
+
+- 不做真实推送通道（极光 JPush / 短信）的对接 —— 仅做**可插拔通知器 + 日志占位**，接口预留、后续无缝替换。
+- 不改动提现（`WithdrawOrder`）流程。
+- 不新增 `User.last_active_at` 列、不改鉴权热路径。
+
+---
+
+## 2. 需求
+
+| # | 需求 | 落地 |
+|---|---|---|
+| R1 | 连续 15 天不活跃 → 清零金币 + 现金 | 每日 worker 扫描 + 逐用户事务清零（§6） |
+| R2 | 记录清零原因 + 清零前余额 | `inactivity_reset_log` 审计表 + 3 条钱包流水（§5、§7） |
+| R3 | 临清前预警"xx 金币 xx 现金将清零" | 阶段 A 预警 + `inactivity_notification_log`（§6、§7） |
+| R4 | 活跃口径与"用户管理"一致 | 抽共享模块 `activity.py`，admin 与 worker 共用（§4、§12） |
+| R5 | 预警时机完全可配置 | `INACTIVITY_*` 配置项（§8） |
+
+---
+
+## 3. 决策记录（来自评审问答）
+
+| 决策点 | 结论 | 理由 |
+|---|---|---|
+| **活跃口径** | 与"用户管理"一致：`max(首页可见 show/home, 比价, 领券)`，**不含 last_login_at**；无任何信号时以 `created_at` 为非空基线 | 比价可从**浮窗**触发、不进首页；`last_login_at` 只在登录/换绑动作更新（re-login 也算），代表不了"在用 App"，故彻底排除 |
+| **"进首页"信号落地** | **方案 A：前端上报 `home_view` 埋点**（复用 `/analytics/events`），非新接口 | 三个活跃信号统一为同类埋点事件；零新接口零新列；与 admin 口径天然一致。B（鉴权接口 + 列）"更权威"的优势是假的——比价/领券仍是端上报事件，最弱环决定整体可信度 |
+| **清零范围** | **金币 + 折算现金**（**邀请现金不清**——产品红线，仅快照入审计） | 对应"账户里的金币和现金"；邀请奖励金与金币现金物理隔离、不可累加，见 `wallet.CoinAccount` 注释 |
+| **预警推送** | **可插拔通知器 + 日志占位**（v1），后续接 JPush/短信 | 现状无真实推送能力；先把清零主流程 + 审计做扎实，不阻塞 |
+| **预警时机** | **完全可配置**（提前天数列表 + 次数 + 执行点 + 通道） | R5 |
+| **触发方式** | **进程内每日 worker**，仿 `daily_exchange_worker` | 与项目最新模式一致，无需外部 cron |
+| **admin 共享口径** | 共享模块 + **重构 admin 改用它** | 单一真源，永不漂移（R4） |
+
+### 已知取舍（可接受）
+
+- analytics 的 `user_id` 是**端上报、未鉴权**（可伪造）。但伪造只能"保自己活跃、避免被清"，无收益，且正是本功能要防的行为，风险良性。活跃时间的非空基线由服务端权威的 `User.created_at` 提供（见 §4），不再依赖 `last_login_at`。与"用户管理"口径一致。
+
+---
+
+## 4. 活跃口径与共享模块 `app/repositories/activity.py`（新建）
+
+活跃口径的**唯一真源**。app 侧模块，admin 可 import（`app.main` 不 import `app.admin`，反向允许）。
+
+### 口径
+
+```
+last_active = max(
+    User.created_at,                                         # 注册基线(恒非空;re-login 不推进,只有真实使用才推进)
+    max AnalyticsEvent.created_at  WHERE event IN ACTIVE_EVENTS,
+    max CouponPromptEngagement.created_at WHERE engage_type == "claim_started",
+)
+不活跃判定：按北京自然日、0 点对齐（非从末次活跃时刻滚动 15×24h）
+  last_active_date = 北京(last_active).date()            # 末次活跃的北京日，记为「第 1 日」
+  清零边界 = 北京 00:00 of (last_active_date + RESET_DAYS 天) =「第 (RESET_DAYS+1) 日 0 点」  # 15 → 第16日0点
+  应清零 ⟺ (cn_today() − last_active_date).days ≥ RESET_DAYS
+        ⟺ last_active < cutoff， cutoff = 北京 00:00 of (cn_today() − (RESET_DAYS−1))   # 供 SQL 比较
+  inactive_days = (cn_today() − last_active_date).days   # 清零当日恰 = RESET_DAYS
+  例：末次活跃 1/1 → 1/16 00:00(第16日0点)清零，当日 inactive_days=15；1/15 及之前不清
+```
+
+### 模块内容
+
+- 常量：
+  - **首页可见活跃信号已定名：`event=show` + `page=home`**（前端确认，原占位 `home_view`；下文出现的 `home_view` 均指此信号）。活跃行为过滤见 `activity.active_event_condition()`：首页可见 ∪ 比价 `real_compare_start` ∪ 领券 `real_coupon_start`；`ACTIVE_EVENTS` 仅含后两个纯 event 名（首页可见是 event+page 组合、单列）。
+  - `ACTIVE_ENGAGE_TYPE = "claim_started"`
+- `last_active_subqueries(db)` —— 复刻现 admin `queries._last_active_parts()`：两个按 `user_id` 的 `GROUP BY max(created_at)` 聚合子查询。
+- `last_active_expr(base_col, ev_sub, eng_sub, dialect)` —— 生成 `greatest`/`max`（PG `func.greatest`／SQLite `func.max`）；子聚合缺失时 `coalesce(子聚合, User.created_at)` 兜底（注册基线恒非空，**替代原 last_login_at**）。
+- `_norm_utc()` —— 沿用现 admin 的 naive→UTC 归一（SQLite naive / PG aware 混算保护）。
+- `reset_cutoff(reset_days)` / `warn_cutoff(reset_days, k)` —— 生成**北京 0 点对齐**的边界 datetime（见口径）：`reset_cutoff = 北京 00:00 of (cn_today() − (reset_days−1))`，供下面查询按 `last_active < cutoff` 比较。
+- `select_inactive_users(db, *, cutoff, with_balance=True)` —— **worker 专用**：join `CoinAccount`，筛 `last_active < cutoff`（cutoff = 北京 0 点对齐边界，见口径）且（`coin_balance>0 OR cash_balance_cents>0`；**邀请现金不清、不计入候选**），返回 `(user, account, last_active, inactive_days)`。
+- `select_warn_targets(db, *, reset_days, warn_days_before)` —— **worker 专用**：返回 `(user, account, last_active, inactive_days, stage)` 元组——各"提前天数"窗口内、有余额、本 streak 未推过档 `stage` 的用户（去重结合 `notification_log`，逻辑见 §9）。
+
+> **参考现状**：现口径散落在 `app/admin/repositories/queries.py:38,91-124,199-204`（`_ACTIVE_EVENTS`/`_last_active_parts`/`greatest`）与 `app/admin/repositories/stats.py:51-52,138-146`（`COMPARE_START_EVENT`/`COUPON_START_EVENT`/活跃用户集）。这些改为从 `activity.py` 导入（§12）。
+
+---
+
+## 5. 数据模型（2 张新表，不动 `User`）
+
+两表均登记进 `app/models/__init__.py`；一个 Alembic 迁移建两表（`render_as_batch`，SQLite 兼容）。
+
+### ① `inactivity_reset_log` —— 清零审计（R2）
+
+仿 `app/models/phone_rebind_log.py` 的简单审计表风格。
+
+| 字段 | 类型 | 说明 |
+|---|---|---|
+| `id` | int PK autoincrement | |
+| `user_id` | int, index, not null | |
+| `coin_balance_before` | int, not null | 清零前金币 |
+| `cash_balance_cents_before` | int, not null | 清零前折算现金（分） |
+| `invite_cash_balance_cents_before` | int, not null | 清零前邀请现金（分） |
+| `last_active_at` | DateTime(tz), nullable | 判定时的最近活跃时间 |
+| `inactive_days` | int, not null | 判定时不活跃天数 |
+| `reason` | String(32), not null | 如 `"inactive_15d"` |
+| `reset_at` | DateTime(tz), server_default now(), index, not null | 清零时刻 |
+
+### ② `inactivity_notification_log` —— 预警记录 + 去重 + 占位 outbox（R3）
+
+| 字段 | 类型 | 说明 |
+|---|---|---|
+| `id` | int PK autoincrement | |
+| `user_id` | int, index, not null | |
+| `stage` | int, not null | 提前天数档（如 7 / 2） |
+| `inactive_days` | int, not null | 推送时不活跃天数 |
+| `coin_balance` | int, not null | 推送快照：告知用户的金币数 |
+| `cash_balance_cents` | int, not null | 推送快照：折算现金 |
+| `invite_cash_balance_cents` | int, not null | 推送快照：邀请现金 |
+| `channel` | String(16), not null | `"log"` / `"jpush"` / `"sms"` |
+| `status` | String(16), not null | `"placeholder"` / `"sent"` / `"failed"` |
+| `created_at` | DateTime(tz), server_default now(), index, not null | 去重锚点（见 §9） |
+
+> 备注：不新增 `User.last_active_at` 列，不改 `get_current_user`。活跃时间由 §4 口径**实时计算**。
+
+---
+
+## 6. 清零 worker `app/core/inactivity_reset_worker.py`（新建）
+
+**完全仿 [`app/core/daily_exchange_worker.py`](../../../app/core/daily_exchange_worker.py)**：App 启动自带 asyncio 任务，文件锁（`data/inactivity_reset.lock`）防同机多进程并发。**worker 常驻**；`INACTIVITY_RESET_ENABLED` 只决定是否**真清**：false（默认）= 只记审计名单、不动钱（dry-run），true = 真清。
+
+### 调度
+
+- 每 `INACTIVITY_RESET_CHECK_INTERVAL_SEC` 秒醒一次；`last_run: date` 守卫**北京日**，保证每日只跑一轮。
+- 仅当 `cn_today() != last_run` 且当前北京小时 `>= INACTIVITY_RESET_RUN_HOUR` 时执行（启动补跑同 daily_exchange 语义）。
+- **清零资格边界 = 第 16 日 0 点（北京，见 §4），与 worker 执行点解耦**：worker 于当日 `RUN_HOUR`（默认 3 点）跑，把已过边界者一并清；若要严格 0 点触发可置 `RUN_HOUR=0`，但注意与 `daily_auto_exchange` 的 0 点任务错峰。
+- lifespan 里 `start_inactivity_reset_worker()` / `stop_...`（仿 `start_daily_exchange_worker` 在 `app/main.py` 的接线）。
+
+### 一轮 `run_once(db)` 两阶段（同一次运行、各自逐用户独立 commit）
+
+**阶段 A — 预警**
+```
+for user, acc, last_active, inactive_days, stage in activity.select_warn_targets(...):
+    notifier.send_inactivity_warning(user, balances=snapshot(acc), stage=stage, days_until_reset=RESET_DAYS-inactive_days)
+    db.add(InactivityNotificationLog(..., channel=notifier.channel, status=notifier.last_status))
+    db.commit()   # 逐条独立
+```
+
+**阶段 B — 清零**（`biz_type="inactivity_reset"`）
+```
+for user, acc, last_active, inactive_days in activity.select_inactive_users(db, cutoff=activity.reset_cutoff(RESET_DAYS)):  # 北京 00:00 of (今天−(RESET_DAYS−1))
+    try:
+        acc = wallet.get_or_create_account(db, user.id, commit=False, lock=True)   # 行锁
+        before = (acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents)
+        if acc.coin_balance == 0 and acc.cash_balance_cents == 0: continue   # 邀请现金不清,不算可清余额
+        log = InactivityResetLog(user_id=user.id, coin_balance_before=before[0],
+              cash_balance_cents_before=before[1], invite_cash_balance_cents_before=before[2],  # 邀请现金仅快照
+              last_active_at=last_active, inactive_days=inactive_days, reason=f"inactive_{RESET_DAYS}d")
+        db.add(log); db.flush()   # 拿 log.id 作 ref_id 交叉链接
+        if acc.coin_balance:              wallet.grant_coins(db, user.id, -acc.coin_balance, biz_type="inactivity_reset", ref_id=str(log.id), remark="15天不活跃清零")
+        if acc.cash_balance_cents:        wallet.grant_cash(db, user.id, -acc.cash_balance_cents, biz_type="inactivity_reset", ref_id=str(log.id), remark="15天不活跃清零")
+        # 邀请现金(invite_cash_balance_cents)不清:产品红线、两本账物理隔离,仅快照记入审计。
+        db.commit()
+    except SQLAlchemyError:
+        db.rollback(); stats["failed"] += 1
+```
+
+- `grant_*` 负数出账、`balance_after=0`、写**两条**流水（金币 + 折算现金；**邀请现金不清**）；`grant_coins` 负数**不**动 `total_coin_earned`（历史累计保留）。
+- 逐用户独立 commit：一个失败不影响其余。返回 `stats = {warned, warn_skipped, warn_failed, scanned, cleared, failed}` 并 `logger.info`。**预警逐用户 try/except 隔离、且预警整段异常也绝不阻塞清零**（清零是不可逆资金操作，不能被通知故障拖住）。
+
+---
+
+## 7. 预警与可插拔通知器
+
+`app/integrations/notifier.py` 定义协议（外部投递属 integrations 层）：
+
+```python
+class InactivityNotifier(Protocol):
+    channel: str          # "log" / "jpush" / "sms"
+    last_status: str      # "placeholder" / "sent" / "failed"
+    def send_inactivity_warning(self, user, *, balances, stage, days_until_reset) -> None: ...
+```
+
+- **v1 `LogNotifier`**（`channel="log"`）：`logger.warning("[inactivity-warn] user=%s coin=%s cash=%s invite=%s T-%s", ...)`，`last_status="placeholder"`。参照 `heartbeat_monitor_worker` 先例（"本期先不接推送，用终端打印代替"）。
+- 未来 `JPushNotifier` / `SmsNotifier`：实现同协议即可替换，worker 不改。
+- 选择：`INACTIVITY_NOTIFY_CHANNEL` → 工厂返回对应实现（未配到真实实现时回退 `LogNotifier`）。
+- 预警文案数据来自快照 `balances`，满足 R3"告知 xx 金币 xx 现金"。
+
+---
+
+## 8. 配置项（`app/core/config.py`）
+
+```
+INACTIVITY_RESET_ENABLED       = False    # false(默认)=只记审计名单(dry-run,不动钱);true=真清
+INACTIVITY_RESET_DAYS          = 15       # 不活跃阈值（天）
+INACTIVITY_WARN_DAYS_BEFORE    = "7,2"    # 清零前几天各推一次；空串=不推。逗号分隔，降序解析
+INACTIVITY_RESET_RUN_HOUR      = 3        # 北京时间每日执行点（0-23）
+INACTIVITY_NOTIFY_CHANNEL      = "log"    # log(占位) / jpush / sms
+INACTIVITY_RESET_CHECK_INTERVAL_SEC = 1800  # worker 唤醒间隔（可复用现有间隔常量）
+```
+
+- 清零范围（三桶）固定为常量，不做配置。
+- `INACTIVITY_WARN_DAYS_BEFORE` 语义（`inactive_days` 为北京自然日，见 §4）：档位 `k` ⟹ 当 `inactive_days >= RESET_DAYS-k` 且 `< RESET_DAYS` 且本 streak 未推过档 `k` 时预警，即在北京日 `last_active_date + (RESET_DAYS−k)` 触发（漏跑某天时补发最紧急未推档，§9）。
+- `INACTIVITY_RESET_RUN_HOUR` 只决定 worker 每日执行点，**不改变**"第 16 日 0 点"这一资格边界（§4/§6）。
+
+---
+
+## 9. 幂等与重新活跃
+
+- **重新活跃自动退出**：`inactive_days` 由 §4 口径**实时算**。用户一有 `home_view`/比价/领券（**登录本身不算**），`last_active` 前移，自动移出预警与清零队列。**无需**显式"重置标记"。
+- **预警去重**：`inactivity_notification_log` 中存在 `stage==k 且 created_at > last_active` 的行 ⟹ 本 streak 已推过档 `k`，不重推。用户回归后 `last_active` 前移，旧预警行自然"失效"，开启新 streak。
+- **清零幂等**：阶段 B 只处理三桶非全 0 者；清完 = 0，次日不再匹配。worker 重启 / 多次唤醒 / 补跑均安全，不产生重复清零或重复流水。
+- **稳健补发**：worker 漏跑数天后，某用户可能同时满足多档；只补发**最紧急的未推档**（最小 `k`），避免一次刷屏。
+
+---
+
+## 10. 边界与安全
+
+| 场景 | 处理 |
+|---|---|
+| 新用户 | `created_at` 作活跃基线（恒非空）→ 注册即"第 1 日活跃"；注册后连续 15 天无 home_view/比价/领券 才清 |
+| 在途提现 | 提现申请时现金已扣入 `WithdrawOrder`，当前余额已不含在途；只清当前余额、不动提现单。提现失败退款到已清账户 = 用户的钱，正常 |
+| 与 `daily_auto_exchange` 并存 | 各自逐用户幂等；金币多已日结折现金，三桶全清正好覆盖 |
+| 时区/日界 | 统一北京（`rewards.cn_today()`/`CN_TZ`）；**清零/预警按北京自然日 0 点对齐**（末次活跃记为第 1 日 → 第 16 日 0 点清零，见 §4），非滚动 24h；流水 `created_at` 沿用北京 wall-clock naive |
+| 误清防护 | worker 常驻默认 **dry-run**（`ENABLED=false` 只记审计名单、不动钱）；看准名单再置 `true` 真清（§13） |
+
+---
+
+## 11. 前端依赖：`home_view` 埋点（跨仓 — Android）
+
+- **Android 端**（`shaguabijia-app-android`）需在**首页可见**（`onResume`/Tab 切入）时，向现有 `POST /api/v1/analytics/events` 批量上报里加一条 `event=<首页可见事件名>`（名称明天加埋点时定，暂记 `"home_view"`） 的事件，**携带登录后的 `user_id`**。
+- 客户端按会话/前台去重即可（服务端只取 `max(created_at)`，多报无害）。
+- **上线顺序依赖**：`home_view` 全量覆盖前，"进首页"信号缺失，只有比价/领券能推进活跃、其余落到 `created_at` 基线（"只开首页不操作"且注册满 15 天的用户会被误清）—— 故**开真清（`ENABLED=true`）必须待 `home_view` 铺满后再开**（§13）；dry-run 只记名单不动钱、可先开着看。
+
+---
+
+## 12. admin 重构范围与影响（R4）
+
+- `app/admin/repositories/queries.py`：删本地 `_ACTIVE_EVENTS`/`_last_active_parts()`，改用 `activity.py` 的常量与子查询构造；`list_users` 的 `greatest(...)` 排序/筛选、`_attach_last_active` 均改走共享构造器。
+- `app/admin/repositories/stats.py`：`COMPARE_START_EVENT`/`COUPON_START_EVENT`/活跃用户集（`:138-146`）改用共享常量与口径。
+- **行为变化（预期内、需产品知会）**：admin 的"最近活跃 / DAU"口径变化——**移除 `last_login_at`（登录不再计为活跃）、以 `created_at` 为基线、纳入 `home_view`**。net：`home_view` 铺满后更准（真正把"开首页"算进活跃）；铺满前"只登录不操作"的用户活跃度会下降。
+- **回归底线**：现有 admin 用户列表 / stats 测试按新口径**更新预期**（last_login_at 移除 + created_at 基线 + home_view 纳入）；非活跃口径部分行为不变。
+
+---
+
+## 13. 灰度与上线顺序（安全优先）
+
+1. **后端先行**：合入共享模块 + 两表 + worker + 通知器，`INACTIVITY_RESET_ENABLED=False`；活跃口径以 `created_at` 为非空基线、**不含 last_login_at**。
+2. **Android 发版**：上报 `home_view`；观察 analytics 覆盖率。
+3. **dry-run 灰度（默认即是）**：`INACTIVITY_RESET_ENABLED=False` 时 worker 常驻只写审计名单（`reason=inactive_Nd_dryrun`）、不动钱、不预警；核对名单准确。
+4. **开真清**：确认无误后置 `INACTIVITY_RESET_ENABLED=True`（转为真清 + 预警）。
+5. **收尾/监控**：持续观察 `home_view` 覆盖率与预警/清零名单；发现"活跃却被判不活跃"的漏报即回查埋点覆盖（口径已不含 last_login_at，登录不再兜底）。
+
+---
+
+## 14. 测试计划
+
+- **活跃口径（共享模块）**：`home_view`/比价/领券 各单独命中都算活跃；**纯登录不算**；无信号用户以 `created_at` 计；`max` 取最新；naive/aware 混算不崩。
+- **admin 回归**：用户列表 / stats 按新口径更新预期（移除 last_login_at + created_at 基线 + home_view）。
+- **不活跃判定**：`last_active` 分别 `<15d / =15d / >15d` × 有/无余额 的命中矩阵。
+- **清零**：三桶归零；`inactivity_reset_log` 清前值正确；三条流水 `biz_type=inactivity_reset`、`balance_after=0`、`ref_id=log.id`；`total_coin_earned` 不变。
+- **预警**：命中窗口调 notifier + 写 `notification_log`；同 streak 不重推；回归后 `last_active` 前移可再次预警；漏跑补发最紧急档。
+- **worker**：常驻；`ENABLED=false` 走 dry-run（只记审计名单、不清、不预警）；文件锁互斥；逐用户失败隔离（一个抛错不影响其余，`failed` 计数）；重复跑幂等。
+- **配置**：`INACTIVITY_WARN_DAYS_BEFORE` 解析（含空串=不推）；`RESET_DAYS`/`RUN_HOUR` 生效。
+- 沿用 `tests/conftest.py`（临时 SQLite、`RATE_LIMIT_ENABLED=false`）；外部通知 monkeypatch。
+
+---
+
+## 15. 未来工作
+
+- 接真实 `JPushNotifier`（需用户级 `registration_id` 覆盖 + JPush push API）/ `SmsNotifier`。
+- 如需 admin 后台可视化：不活跃/预警/清零名单与历史查询接口。
+- 如量级增长导致每日 join 扫描变慢：再考虑物化 `last_active_at`（当前每日一次可接受）。
+
+---
+
+## 附：涉及文件清单
+
+**新增**
+- `app/repositories/activity.py` — 活跃口径唯一真源
+- `app/models/inactivity_reset_log.py` — 审计表
+- `app/models/inactivity_notification_log.py` — 预警/占位表
+- `app/core/inactivity_reset_worker.py` — 每日 worker（仿 daily_exchange_worker）
+- `app/integrations/notifier.py` — 通知器协议 + `LogNotifier`（真实 JPush/短信后续同层扩展）
+- `alembic/versions/<...>_add_inactivity_tables.py` — 建两表迁移
+- `docs/database/inactivity_reset_log.md` / `inactivity_notification_log.md` — 表字典（随实现补）
+- 对应 `tests/test_inactivity_reset.py`
+
+**改动**
+- `app/models/__init__.py` — 注册两模型
+- `app/core/config.py` — `INACTIVITY_*` 配置
+- `app/main.py` — lifespan 接线 start/stop worker
+- `app/admin/repositories/queries.py`、`stats.py` — 改用 `activity.py`（§12）

scripts/seed_inactivity_cases.py

@@ -0,0 +1,139 @@
+"""人工验证用:按「金币/现金/邀请」排列组合 + 活跃/新用户对照,造一批账号。
+
+用法(仓库根目录,venv 解释器):
+    .venv/Scripts/python.exe scripts/seed_inactivity_cases.py          # 造号(会先清掉上次 vcase*)
+    .venv/Scripts/python.exe scripts/seed_inactivity_cases.py --clean  # 只清理,不造
+
+配合默认配置 INACTIVITY_RESET_DAYS=15 / INACTIVITY_WARN_DAYS_BEFORE=7,2 验证。
+造完把 worker 打开(见 README/对话里的 .env),启动服务即会在 RUN_HOUR 后跑一轮。
+
+⚠️ worker 清零针对**库里所有**符合条件的用户,不止 vcase*——dev 库里若有其它"老且有余额、
+无近期活跃事件"的用户,也会被一起清。要干净验证建议用一个空/副本 dev 库。
+"""
+from __future__ import annotations
+
+import os
+import sys
+from datetime import UTC, datetime, timedelta
+
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+
+from sqlalchemy import delete, select  # noqa: E402
+
+from app.db.session import SessionLocal  # noqa: E402
+from app.models.analytics_event import AnalyticsEvent  # noqa: E402
+from app.models.inactivity import (  # noqa: E402
+    InactivityNotificationLog,
+    InactivityResetLog,
+)
+from app.models.user import User  # noqa: E402
+from app.models.wallet import (  # noqa: E402
+    CashTransaction,
+    CoinAccount,
+    CoinTransaction,
+    InviteCashTransaction,
+)
+from app.repositories import wallet as wallet_repo  # noqa: E402
+
+MARK = "vcase"  # username 前缀,用于清理
+
+# label, 创建于N天前, coin, cash, invite, 近期事件(N天前)or None, 预期
+CASES = [
+    ("1 三桶全有",        30, 100, 200, 300, None, "清 coin+cash;invite=300 保留;审计1行+2流水"),
+    ("2 金币+现金",       30, 100, 200,   0, None, "清 coin+cash;审计1行+2流水"),
+    ("3 金币+邀请",       30, 100,   0, 300, None, "清 coin;invite=300 保留;审计1行+1流水"),
+    ("4 现金+邀请",       30,   0, 200, 300, None, "清 cash;invite=300 保留;审计1行+1流水"),
+    ("5 只有金币",        30, 100,   0,   0, None, "清 coin;审计1行+1流水"),
+    ("6 只有现金",        30,   0, 200,   0, None, "清 cash;审计1行+1流水"),
+    ("7 只有邀请(红线)",  30,   0,   0, 300, None, "不选中/不清/无审计/无流水;invite=300 原封"),
+    ("8 预警窗(10天)",    10,  50,  60,  70, None, "不清;发 T-7 预警;notification_log 1行;余额不动"),
+    ("9 活跃兜底",        30, 100, 200, 300,    1, "昨日 home_view→last_active 近→不清不警"),
+    ("10 新用户(3天)",     3, 100, 200,   0, None, "created_at 近→不清不警"),
+]
+
+
+def _mark_uids(db) -> list[int]:
+    return list(db.execute(select(User.id).where(User.username.like(f"{MARK}%"))).scalars())
+
+
+def clean(db) -> int:
+    uids = _mark_uids(db)
+    if uids:
+        for model in (
+            InactivityResetLog, InactivityNotificationLog,
+            CoinTransaction, CashTransaction, InviteCashTransaction,
+            AnalyticsEvent, CoinAccount,
+        ):
+            db.execute(delete(model).where(model.user_id.in_(uids)))
+        db.execute(delete(User).where(User.id.in_(uids)))
+        db.commit()
+    return len(uids)
+
+
+def seed(db) -> None:
+    now = datetime.now(UTC)
+    print(f"{'#':>3} {'uid':>5}  {'案例':<16} {'coin/cash/invite':<18} {'创建':<7} 预期")
+    for i, (label, days_ago, coin, cash, invite, ev_days, expected) in enumerate(CASES, 1):
+        u = User(
+            phone=f"seed_tmp_{i}", username=f"{MARK}{i}", status="active",
+            created_at=now - timedelta(days=days_ago),
+            last_login_at=now,  # 登录很新——但登录不算活跃,清零该发生照发生
+        )
+        db.add(u)
+        db.flush()                       # 拿自增 id
+        u.phone = f"1{u.id:010d}"         # 用全局唯一 id 拼 "100…" 段手机号,dev 库里绝不撞
+        acc = wallet_repo.get_or_create_account(db, u.id, commit=False)
+        acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents = coin, cash, invite
+        acc.total_coin_earned = coin
+        if ev_days is not None:
+            db.add(AnalyticsEvent(  # 首页可见 = event=show + page=home
+                event="show", page="home", device_id=MARK, user_id=u.id,
+                client_ts=0, created_at=now - timedelta(days=ev_days),
+            ))
+        db.flush()
+        print(f"{i:>3} {u.id:>5}  {label:<16} {f'{coin}/{cash}/{invite}':<18} {f'{days_ago}天前':<7} {expected}")
+    db.commit()
+
+
+def check(db) -> None:
+    """worker 跑完后:打印每个 vcase 账号的当前三桶余额 + 是否有审计/预警行。"""
+    rows = db.execute(
+        select(User.id, User.username).where(User.username.like(f"{MARK}%")).order_by(User.id)
+    ).all()
+    if not rows:
+        print("没有 vcase* 账号(先跑一次不带参数造号)")
+        return
+    print(f"{'uid':>5} {'账号':<8} {'coin/cash/invite(现在)':<24} {'审计':<5} 预警")
+    for uid, uname in rows:
+        acc = db.get(CoinAccount, uid)
+        bal = f"{acc.coin_balance}/{acc.cash_balance_cents}/{acc.invite_cash_balance_cents}" if acc else "—"
+        has_reset = db.execute(
+            select(InactivityResetLog.id).where(InactivityResetLog.user_id == uid).limit(1)
+        ).first()
+        stages = db.execute(
+            select(InactivityNotificationLog.stage).where(InactivityNotificationLog.user_id == uid)
+        ).scalars().all()
+        warn = ",".join(f"T-{s}" for s in stages) if stages else "—"
+        print(f"{uid:>5} {uname:<8} {bal:<24} {'有' if has_reset else '—':<5} {warn}")
+
+
+def main() -> None:
+    db = SessionLocal()
+    try:
+        if "--check" in sys.argv:
+            check(db)
+            return
+        removed = clean(db)
+        if removed:
+            print(f"已清理上次 {removed} 个 {MARK}* 账号")
+        if "--clean" in sys.argv:
+            return
+        seed(db)
+        print("\n造号完成。打开 worker(INACTIVITY_RESET_ENABLED=true, RUN_HOUR=17)后启动服务,"
+              "≥17:00 首个 tick 即跑一轮。验完 `--clean` 清理。")
+    finally:
+        db.close()
+
+
+if __name__ == "__main__":
+    main()

tests/test_inactivity_reset.py

@@ -0,0 +1,478 @@
+"""15 天不活跃清零:模型 / 活跃口径 / 清零 / 预警 / 配置 / worker。"""
+from __future__ import annotations
+
+from datetime import date, datetime, timedelta, timezone
+
+import pytest
+from sqlalchemy import delete, select, update
+
+from app.db.session import SessionLocal
+from app.models.inactivity import InactivityNotificationLog, InactivityResetLog
+from app.repositories import activity
+
+
+def test_reset_and_notification_models_persist() -> None:
+    db = SessionLocal()
+    try:
+        db.add(InactivityResetLog(
+            user_id=1, coin_balance_before=10, cash_balance_cents_before=20,
+            invite_cash_balance_cents_before=30,
+            last_active_at=datetime(2026, 1, 1, tzinfo=timezone.utc),
+            inactive_days=15, reason="inactive_15d",
+        ))
+        db.add(InactivityNotificationLog(
+            user_id=1, stage=7, inactive_days=8, coin_balance=10,
+            cash_balance_cents=20, invite_cash_balance_cents=30,
+            channel="log", status="placeholder",
+        ))
+        db.commit()
+        r = db.execute(select(InactivityResetLog).where(InactivityResetLog.user_id == 1)).scalar_one()
+        assert r.reason == "inactive_15d" and r.reset_at is not None
+        n = db.execute(select(InactivityNotificationLog).where(InactivityNotificationLog.user_id == 1)).scalar_one()
+        assert n.stage == 7 and n.created_at is not None
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_reset_cutoff_is_cn_midnight_of_today_minus_days_minus_1() -> None:
+    # RESET_DAYS=15, today=1/20 → cutoff = 北京 00:00 of 1/6 = 1/5 16:00 UTC
+    cutoff = activity.reset_cutoff(15, today=date(2026, 1, 20))
+    assert cutoff == datetime(2026, 1, 5, 16, 0, tzinfo=timezone.utc)
+
+
+def test_active_event_constants() -> None:
+    # 首页可见 = event=show + page=home 组合,不在纯 event 名集合里
+    assert activity.HOME_VIEW_EVENT == "show" and activity.HOME_VIEW_PAGE == "home"
+    assert activity.HOME_VIEW_EVENT not in activity.ACTIVE_EVENTS
+    assert "real_compare_start" in activity.ACTIVE_EVENTS
+    assert "real_coupon_start" in activity.ACTIVE_EVENTS
+    assert activity.ACTIVE_ENGAGE_TYPE == "claim_started"
+
+
+def test_as_utc_normalizes() -> None:
+    assert activity.as_utc(datetime(2026, 1, 1)) == datetime(2026, 1, 1, tzinfo=timezone.utc)
+    cn = datetime(2026, 1, 1, tzinfo=activity.CN_TZ)  # 北京 0 点 = 前一天 16:00 UTC
+    assert activity.as_utc(cn) == datetime(2025, 12, 31, 16, 0, tzinfo=timezone.utc)
+
+
+from app.core.rewards import CN_TZ
+from app.models.analytics_event import AnalyticsEvent
+from app.models.coupon_state import CouponPromptEngagement
+from app.models.user import User
+from app.models.wallet import CoinAccount
+from app.repositories import wallet as wallet_repo
+
+_PHONE_SEQ = [0]
+
+
+@pytest.fixture(autouse=True)
+def _isolate_inactivity_state():
+    """本文件的测试都做全表扫描 + 全局计数,而 SQLite 测试库 session 级共享、无逐用例回滚
+    (commit 后的 rollback 是 no-op),故先把可能泄漏的余额清零 + 清掉活跃事件/审计行,
+    保证每个用例干净起步。不删 User(零余额用户不会被扫描选中,避免跨文件/外键影响)。"""
+    db = SessionLocal()
+    try:
+        db.execute(update(CoinAccount).values(
+            coin_balance=0, cash_balance_cents=0, invite_cash_balance_cents=0))
+        for model in (AnalyticsEvent, CouponPromptEngagement,
+                      InactivityResetLog, InactivityNotificationLog):
+            db.execute(delete(model))
+        db.commit()
+    finally:
+        db.close()
+    yield
+
+
+def _new_user(db, *, created_at, coin=0, cash=0, invite=0) -> int:
+    """直接建一个 User + CoinAccount,created_at 可控。返回 user_id。"""
+    _PHONE_SEQ[0] += 1
+    # 199 前缀 + 递增序号:共享测试库跨文件累积用户,别的文件用固定手机号(如 test_admin_write
+    # 的 13900000001..),这里用没人用的 199 段避免撞 user.phone / username 的 UNIQUE。
+    u = User(phone=f"199{_PHONE_SEQ[0]:08d}", created_at=created_at,
+             last_login_at=created_at, status="active",
+             username=f"inact{_PHONE_SEQ[0]}")
+    db.add(u)
+    db.flush()
+    acc = wallet_repo.get_or_create_account(db, u.id, commit=False)
+    acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents = coin, cash, invite
+    acc.total_coin_earned = coin
+    db.flush()
+    return u.id
+
+
+def _add_event(db, user_id, event, when: datetime, page=None) -> None:
+    db.add(AnalyticsEvent(event=event, device_id="d", user_id=user_id, client_ts=0,
+                          created_at=when, page=page))
+
+
+def _add_engage(db, user_id, when: datetime, engage_type="claim_started") -> None:
+    db.add(CouponPromptEngagement(device_id=f"dev{user_id}", package="p", user_id=user_id,
+                                  engage_date=when.date(), engage_type=engage_type, created_at=when))
+
+
+def test_last_active_expr_takes_max_of_baseline_and_events() -> None:
+    from sqlalchemy import select
+    db = SessionLocal()
+    try:
+        base = datetime(2026, 1, 1, tzinfo=timezone.utc)
+        uid = _new_user(db, created_at=base, coin=5)
+        _add_event(db, uid, "real_compare_start", datetime(2026, 1, 10, tzinfo=timezone.utc))
+        db.commit()
+        ev_sub, eng_sub = activity.last_active_subqueries(db)
+        dialect = db.get_bind().dialect.name
+        expr = activity.last_active_expr(User.created_at, ev_sub, eng_sub, dialect)
+        stmt = (select(expr).select_from(User)
+                .outerjoin(ev_sub, ev_sub.c.user_id == User.id)
+                .outerjoin(eng_sub, eng_sub.c.user_id == User.id)
+                .where(User.id == uid))
+        got = activity.norm_utc(db.execute(stmt).scalar_one())
+        assert got == datetime(2026, 1, 10, tzinfo=timezone.utc)  # 事件 > 基线
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_home_signal_uses_show_event_on_home_page() -> None:
+    """首页可见活跃口径 = event=show + page=home 组合;show 但非 home 页不算活跃。"""
+    from sqlalchemy import select
+    db = SessionLocal()
+    try:
+        base = datetime(2026, 1, 1, tzinfo=timezone.utc)
+        seen = _new_user(db, created_at=base)      # show/home → 活跃
+        _add_event(db, seen, "show", datetime(2026, 1, 10, tzinfo=timezone.utc), page="home")
+        other = _new_user(db, created_at=base)     # show/其他页 → 不算活跃
+        _add_event(db, other, "show", datetime(2026, 1, 10, tzinfo=timezone.utc), page="coupon")
+        db.commit()
+
+        ev_sub, eng_sub = activity.last_active_subqueries(db)
+        dialect = db.get_bind().dialect.name
+        expr = activity.last_active_expr(User.created_at, ev_sub, eng_sub, dialect)
+
+        def last_active(uid):
+            stmt = (select(expr).select_from(User)
+                    .outerjoin(ev_sub, ev_sub.c.user_id == User.id)
+                    .outerjoin(eng_sub, eng_sub.c.user_id == User.id)
+                    .where(User.id == uid))
+            return activity.norm_utc(db.execute(stmt).scalar_one())
+
+        assert last_active(seen) == datetime(2026, 1, 10, tzinfo=timezone.utc)  # show/home 算
+        assert last_active(other) == base                                       # show/其他页 不算
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_inactivity_warn_stages_parsing() -> None:
+    from app.core.config import Settings
+    s = Settings(INACTIVITY_WARN_DAYS_BEFORE="7,2", INACTIVITY_RESET_DAYS=15)
+    assert s.inactivity_warn_stages == [7, 2]        # 降序去重
+    s2 = Settings(INACTIVITY_WARN_DAYS_BEFORE="", INACTIVITY_RESET_DAYS=15)
+    assert s2.inactivity_warn_stages == []           # 空=不推
+    s3 = Settings(INACTIVITY_WARN_DAYS_BEFORE="2,20,7,2", INACTIVITY_RESET_DAYS=15)
+    assert s3.inactivity_warn_stages == [7, 2]        # 去重 + 丢弃 >=RESET_DAYS(20)
+
+
+def test_log_notifier_returns_placeholder(caplog) -> None:
+    from app.integrations.notifier import LogNotifier, get_notifier
+    n = get_notifier("log")
+    assert isinstance(n, LogNotifier) and n.channel == "log"
+    status = n.warn(user_id=1, coin=10, cash_cents=20, stage=7, days_until_reset=8)
+    assert status == "placeholder"
+    # 未实现通道回退 LogNotifier(占位)
+    assert get_notifier("jpush").channel == "log"
+
+
+def test_run_reset_clears_coin_and_cash_but_preserves_invite_cash() -> None:
+    from sqlalchemy import select
+    from app.models.wallet import CoinAccount, CoinTransaction, CashTransaction, InviteCashTransaction
+    from app.repositories import inactivity
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        # 末次活跃 = created_at 基线 = 1/10(距 today 22 天 → 应清)
+        old = _new_user(db, created_at=datetime(2026, 1, 10, tzinfo=timezone.utc),
+                        coin=100, cash=200, invite=300)
+        # 活跃用户:昨天有 home_view → 不清
+        fresh = _new_user(db, created_at=datetime(2026, 1, 1, tzinfo=timezone.utc), coin=50)
+        _add_event(db, fresh, "show", datetime(2026, 1, 31, tzinfo=timezone.utc), page="home")
+        db.commit()
+
+        stats = inactivity.run_reset_once(db, reset_days=15, today=today)
+        assert stats["cleared"] == 1 and stats["failed"] == 0
+
+        acc = db.get(CoinAccount, old)
+        # 金币 + 折算现金清零;邀请现金是产品红线,原封不动(见 wallet.CoinAccount 注释)
+        assert (acc.coin_balance, acc.cash_balance_cents) == (0, 0)
+        assert acc.invite_cash_balance_cents == 300
+        assert acc.total_coin_earned == 100  # 历史累计不动
+
+        log = db.execute(select(InactivityResetLog).where(InactivityResetLog.user_id == old)).scalar_one()
+        # 审计仍快照三桶余额(邀请现金记为"清零时仍保留"的余额,便于纠纷排查)
+        assert (log.coin_balance_before, log.cash_balance_cents_before,
+                log.invite_cash_balance_cents_before) == (100, 200, 300)
+        assert log.inactive_days == 22 and log.reason == "inactive_15d"
+
+        ct = db.execute(select(CoinTransaction).where(
+            CoinTransaction.user_id == old, CoinTransaction.biz_type == "inactivity_reset")).scalar_one()
+        assert ct.amount == -100 and ct.balance_after == 0 and ct.ref_id == str(log.id)
+        assert db.execute(select(CashTransaction).where(
+            CashTransaction.user_id == old, CashTransaction.biz_type == "inactivity_reset")).scalar_one().amount_cents == -200
+        # 关键:不写邀请现金流水(邀请现金不清)
+        assert db.execute(select(InviteCashTransaction).where(
+            InviteCashTransaction.user_id == old,
+            InviteCashTransaction.biz_type == "inactivity_reset")).first() is None
+
+        # 活跃用户不动;再跑一次幂等(coin+cash 已 0、邀请现金不算候选 → 不再匹配)
+        assert db.get(CoinAccount, fresh).coin_balance == 50
+        assert inactivity.run_reset_once(db, reset_days=15, today=today)["cleared"] == 0
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_user_with_only_invite_cash_is_not_cleared() -> None:
+    """只有邀请现金余额的久不活跃用户:邀请现金是产品红线,不清 → 根本不该被选中。"""
+    from app.models.wallet import CoinAccount
+    from app.repositories import inactivity
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        uid = _new_user(db, created_at=datetime(2026, 1, 10, tzinfo=timezone.utc),
+                        coin=0, cash=0, invite=500)
+        db.commit()
+        stats = inactivity.run_reset_once(db, reset_days=15, today=today)
+        assert stats["cleared"] == 0
+        assert db.get(CoinAccount, uid).invite_cash_balance_cents == 500  # 原封不动
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_run_warn_picks_stage_and_dedups_within_streak() -> None:
+    from app.integrations.notifier import LogNotifier
+    from app.repositories import inactivity
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        # 末次活跃 1/22(距 today 10 天)→ 档 7 命中(idays>=8),档 2 未到(需>=13)
+        uid = _new_user(db, created_at=datetime(2026, 1, 22, tzinfo=timezone.utc), coin=100)
+        db.commit()
+
+        stats = inactivity.run_warn_once(db, LogNotifier(), reset_days=15, warn_stages=[7, 2], today=today)
+        assert stats["warned"] == 1
+        from sqlalchemy import select
+        rows = db.execute(select(InactivityNotificationLog).where(
+            InactivityNotificationLog.user_id == uid)).scalars().all()
+        assert len(rows) == 1 and rows[0].stage == 7 and rows[0].status == "placeholder"
+        assert rows[0].inactive_days == 10 and rows[0].coin_balance == 100
+
+        # 同一 streak 再跑 → 不重推
+        assert inactivity.run_warn_once(db, LogNotifier(), reset_days=15, warn_stages=[7, 2], today=today)["warned"] == 0
+
+        # 无余额用户不预警
+        _new_user(db, created_at=datetime(2026, 1, 22, tzinfo=timezone.utc), coin=0)
+        db.commit()
+        assert inactivity.run_warn_once(db, LogNotifier(), reset_days=15, warn_stages=[7, 2], today=today)["warned"] == 0
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_run_once_warns_then_resets() -> None:
+    from app.integrations.notifier import LogNotifier
+    from app.models.wallet import CoinAccount
+    from app.repositories import inactivity
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        warn_uid = _new_user(db, created_at=datetime(2026, 1, 22, tzinfo=timezone.utc), coin=10)   # 10天→预警
+        clear_uid = _new_user(db, created_at=datetime(2026, 1, 5, tzinfo=timezone.utc), coin=10)   # 27天→清零
+        db.commit()
+        stats = inactivity.run_once(db, notifier=LogNotifier(), reset_days=15, warn_stages=[7, 2], today=today)
+        assert stats["warned"] == 1 and stats["cleared"] == 1
+        assert db.get(CoinAccount, clear_uid).coin_balance == 0
+        assert db.get(CoinAccount, warn_uid).coin_balance == 10   # 预警不动钱
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_worker_run_once_entry_dry_run(monkeypatch) -> None:
+    """ENABLED=false(默认语义)→ worker 常驻但只记审计不清(dry_run = not ENABLED)。"""
+    from sqlalchemy import select
+
+    from app.core import inactivity_reset_worker as w
+    from app.core.config import settings
+    from app.models.wallet import CoinAccount
+
+    monkeypatch.setattr(settings, "INACTIVITY_RESET_ENABLED", False)  # false = 只记审计
+    monkeypatch.setattr(settings, "INACTIVITY_RESET_DAYS", 15)
+    monkeypatch.setattr(settings, "INACTIVITY_WARN_DAYS_BEFORE", "")
+    monkeypatch.setattr(w, "_cn_today", lambda: date(2026, 2, 1))
+
+    db = SessionLocal()
+    try:
+        uid = _new_user(db, created_at=datetime(2026, 1, 1, tzinfo=timezone.utc), coin=100)
+        db.commit()
+    finally:
+        db.close()
+
+    w._run_once_entry()
+
+    db = SessionLocal()
+    try:
+        assert db.get(CoinAccount, uid).coin_balance == 100  # 没清
+        log = db.execute(select(InactivityResetLog).where(InactivityResetLog.user_id == uid)).scalar_one()
+        assert log.reason.endswith("dryrun")  # 记了审计
+    finally:
+        db.close()
+
+
+def test_worker_run_once_entry_executes(monkeypatch) -> None:
+    """_run_once_entry 用真实 SessionLocal 跑一轮,总闸开时能清掉一个不活跃用户。"""
+    from app.core import inactivity_reset_worker as w
+    from app.core.config import settings
+    from app.models.wallet import CoinAccount
+
+    monkeypatch.setattr(settings, "INACTIVITY_RESET_ENABLED", True)
+    monkeypatch.setattr(settings, "INACTIVITY_RESET_DAYS", 15)
+    monkeypatch.setattr(settings, "INACTIVITY_WARN_DAYS_BEFORE", "")  # 只测清零
+    # 固定"今天"避免依赖真实时钟
+    monkeypatch.setattr(w, "_cn_today", lambda: date(2026, 2, 1))
+
+    db = SessionLocal()
+    try:
+        uid = _new_user(db, created_at=datetime(2026, 1, 1, tzinfo=timezone.utc), coin=100)
+        db.commit()
+    finally:
+        db.close()
+
+    stats = w._run_once_entry()
+    assert stats["cleared"] >= 1
+
+    db = SessionLocal()
+    try:
+        assert db.get(CoinAccount, uid).coin_balance == 0
+    finally:
+        db.close()
+
+
+def test_run_once_dry_run_records_audit_but_does_not_clear() -> None:
+    """dry-run:只写审计(标 dryrun)、不动钱、不预警;重复跑不重复记(streak dedup)。"""
+    from sqlalchemy import select
+
+    from app.integrations.notifier import LogNotifier
+    from app.models.wallet import CoinAccount, CoinTransaction
+    from app.repositories import inactivity
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        old = _new_user(db, created_at=datetime(2026, 1, 10, tzinfo=timezone.utc), coin=100, cash=200, invite=300)
+        warn_uid = _new_user(db, created_at=datetime(2026, 1, 22, tzinfo=timezone.utc), coin=50)  # 预警窗
+        db.commit()
+
+        stats = inactivity.run_once(db, notifier=LogNotifier(), reset_days=15,
+                                    warn_stages=[7, 2], today=today, dry_run=True)
+        acc = db.get(CoinAccount, old)
+        assert (acc.coin_balance, acc.cash_balance_cents, acc.invite_cash_balance_cents) == (100, 200, 300)  # 原封
+        log = db.execute(select(InactivityResetLog).where(InactivityResetLog.user_id == old)).scalar_one()
+        assert log.coin_balance_before == 100 and log.reason.endswith("dryrun")   # 审计标 dryrun
+        assert db.execute(select(CoinTransaction).where(
+            CoinTransaction.user_id == old, CoinTransaction.biz_type == "inactivity_reset")).first() is None  # 无流水
+        assert stats["warned"] == 0                                              # dry-run 不预警
+        assert db.execute(select(InactivityNotificationLog).where(
+            InactivityNotificationLog.user_id == warn_uid)).first() is None
+        assert stats["cleared"] == 1                                             # dry-run:cleared=记了几条
+
+        # 再跑一次 → 不重复记(dedup),余额仍原封
+        inactivity.run_once(db, notifier=LogNotifier(), reset_days=15, warn_stages=[7, 2], today=today, dry_run=True)
+        assert len(db.execute(select(InactivityResetLog).where(
+            InactivityResetLog.user_id == old)).scalars().all()) == 1
+        assert db.get(CoinAccount, old).coin_balance == 100
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_admin_list_users_last_active_ignores_login() -> None:
+    """admin 用户列表 last_active_at 改用共享口径:登录不算活跃(baseline=created_at)、只认活跃事件。"""
+    from app.admin.repositories import queries
+
+    db = SessionLocal()
+    try:
+        created = datetime(2026, 1, 1, tzinfo=timezone.utc)
+        uid = _new_user(db, created_at=created)
+        u = db.get(User, uid)
+        u.last_login_at = datetime(2026, 6, 1, tzinfo=timezone.utc)  # 登录很新、但无任何活跃事件
+        db.commit()
+        phone = db.get(User, uid).phone
+        users, _cursor, _total = queries.list_users(db, phone=phone)
+        item = next(x for x in users if x.id == uid)
+        assert activity.norm_utc(item.last_active_at) == created  # 登录不算 → last_active=created_at
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_run_warn_isolates_notifier_failure_and_does_not_block_reset() -> None:
+    """单用户通知器抛错:预警计 warn_failed、不外抛,且清零(reset)照常执行。"""
+    from app.models.wallet import CoinAccount
+    from app.repositories import inactivity
+
+    class BoomNotifier:
+        channel = "log"
+
+        def warn(self, *, user_id, coin, cash_cents, stage, days_until_reset) -> str:
+            raise RuntimeError("push service down")
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        warn_uid = _new_user(db, created_at=datetime(2026, 1, 22, tzinfo=timezone.utc), coin=10)   # 10天→预警
+        clear_uid = _new_user(db, created_at=datetime(2026, 1, 5, tzinfo=timezone.utc), coin=10)   # 27天→清零
+        db.commit()
+
+        stats = inactivity.run_once(db, notifier=BoomNotifier(), reset_days=15,
+                                    warn_stages=[7, 2], today=today)
+        assert stats["warned"] == 0 and stats["warn_failed"] >= 1   # 预警失败被隔离
+        assert stats["cleared"] == 1                                # 关键:清零没被阻塞
+        assert db.get(CoinAccount, clear_uid).coin_balance == 0
+        assert db.get(CoinAccount, warn_uid).coin_balance == 10     # 预警用户不动钱
+        # 预警失败已回滚,不留半条 notification_log
+        from sqlalchemy import select
+        assert db.execute(select(InactivityNotificationLog).where(
+            InactivityNotificationLog.user_id == warn_uid)).first() is None
+    finally:
+        db.rollback()
+        db.close()
+
+
+def test_run_once_reset_runs_even_if_warn_phase_throws(monkeypatch) -> None:
+    """预警整段异常(如候选查询失败)也绝不阻塞清零。"""
+    from app.integrations.notifier import LogNotifier
+    from app.models.wallet import CoinAccount
+    from app.repositories import inactivity
+
+    def boom(*a, **k):
+        raise RuntimeError("warn phase blew up")
+
+    monkeypatch.setattr(inactivity, "run_warn_once", boom)
+
+    db = SessionLocal()
+    try:
+        today = date(2026, 2, 1)
+        clear_uid = _new_user(db, created_at=datetime(2026, 1, 5, tzinfo=timezone.utc), coin=10)
+        db.commit()
+        stats = inactivity.run_once(db, notifier=LogNotifier(), reset_days=15,
+                                    warn_stages=[7, 2], today=today)
+        assert stats["cleared"] == 1
+        assert db.get(CoinAccount, clear_uid).coin_balance == 0
+    finally:
+        db.rollback()
+        db.close()

tests/test_wechat_conflict.py

@@ -0,0 +1,232 @@
+"""微信登录 M2 测试:conflict_ticket 令牌、继续绑定(attach/只登入)、换绑(建号+软删+30天限)。
+
+沿用 tests/test_wechat_login.py 风格:HTTP 走 client;微信 code→openid 用 monkeypatch;
+短信走 SMS_MOCK(任意 6 位过)。数据变更用"再走一遍 wechat-login 看 openid 落在哪个账号"做行为断言。
+"""
+from __future__ import annotations
+
+import pytest
+
+from app.api.v1 import auth  # noqa: F401  (后续测试打桩 verify_and_get_phone 用)
+from app.core import security
+from app.integrations import wxpay
+from app.models.phone_rebind_log import PhoneRebindLog
+
+
+def _fake_userinfo(openid: str, nickname: str | None = "微信昵称", avatar: str | None = "http://x/a.png"):
+    def _f(code: str) -> dict:
+        return {"openid": openid, "nickname": nickname, "avatar_url": avatar, "raw": {}}
+    return _f
+
+
+def _sms_occupy(client, phone: str) -> int:
+    """用普通短信登录占用一个手机号(register_channel=sms),返回该账号 id。"""
+    assert client.post("/api/v1/auth/sms/send", json={"phone": phone}).status_code == 200
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["user"]["id"]
+
+
+def _occupy_via_conflict(client, monkeypatch, openid: str, phone: str, device_id: str) -> dict:
+    """微信登录(新 openid)→ 绑同一手机号 → 返回 phone_occupied 的响应体(含 conflict_ticket)。"""
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo(openid))
+    ticket = client.post(
+        "/api/v1/auth/wechat-login", json={"code": "c", "device_id": device_id}
+    ).json()["bind_ticket"]
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/sms",
+        json={"bind_ticket": ticket, "phone": phone, "code": "123456", "device_id": device_id},
+    )
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "phone_occupied"
+    return body
+
+
+# ===== Task 1: 模型可导入(建表由 conftest 的 create_all 完成) =====
+
+def test_phone_rebind_log_model_importable() -> None:
+    assert PhoneRebindLog.__tablename__ == "phone_rebind_log"
+
+
+# ===== Task 2: conflict_ticket 令牌 =====
+
+def test_conflict_ticket_roundtrip() -> None:
+    token = security.create_conflict_ticket(
+        openid="oid1", wechat_nickname="昵", wechat_avatar_url="http://a", phone="13900139000"
+    )
+    claims = security.decode_conflict_ticket(token)
+    assert claims["openid"] == "oid1"
+    assert claims["wnk"] == "昵"
+    assert claims["wav"] == "http://a"
+    assert claims["phone"] == "13900139000"
+
+
+def test_conflict_ticket_wrong_type_rejected() -> None:
+    # bind_ticket 冒充 conflict_ticket → TokenError(typ 不匹配)
+    bind = security.create_bind_ticket(openid="oid", wechat_nickname=None, wechat_avatar_url=None)
+    with pytest.raises(security.TokenError):
+        security.decode_conflict_ticket(bind)
+
+
+def test_conflict_ticket_expired_rejected(monkeypatch) -> None:
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    token = security.create_conflict_ticket(
+        openid="oid", wechat_nickname=None, wechat_avatar_url=None, phone="13900139000"
+    )
+    with pytest.raises(security.TokenError):
+        security.decode_conflict_ticket(token)
+
+
+# ===== Task 3: 占用响应扩展 =====
+
+def test_phone_occupied_returns_conflict_ticket_and_flags(client, monkeypatch) -> None:
+    phone = "13900139101"
+    _sms_occupy(client, phone)  # 老账号 X(sms,无微信)
+    body = _occupy_via_conflict(client, monkeypatch, "openid_occ_101", phone, "devO1")
+    assert body["conflict_ticket"]
+    assert body["rebind_available"] is True      # 首次,未换绑过
+    assert body["rebind_blocked_days"] == 0
+    assert body["occupied_account"]["has_wechat"] is False  # X 是 sms 账号
+
+
+# ===== Task 4: 继续绑定 =====
+
+def test_continue_attaches_wechat_and_logs_into_existing(client, monkeypatch) -> None:
+    """X 无微信 → 继续绑定并入 openid + 登入 X;之后同 openid 登录直接命中 X。"""
+    phone = "13900139201"
+    x_id = _sms_occupy(client, phone)  # X:sms 账号,无微信
+    body = _occupy_via_conflict(client, monkeypatch, "openid_cont_201", phone, "devC1")
+
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/continue",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devC1"},
+    )
+    assert r.status_code == 200, r.text
+    assert r.json()["status"] == "logged_in"
+    assert r.json()["token"]["user"]["id"] == x_id  # 登入的是老账号 X
+
+    # openid 现已并入 X:再走 wechat-login 直接命中 X
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devC1"})
+    assert r.json()["status"] == "logged_in"
+    assert r.json()["token"]["user"]["id"] == x_id
+
+
+def test_continue_when_existing_has_wechat_logs_in_and_discards_openid(client, monkeypatch) -> None:
+    """X 已绑别的微信 → 继续绑定只登入 X、丢弃本次 openid(不覆盖)。"""
+    phone = "13900139202"
+    # 先建一个已绑微信 O1 的账号 X(微信登录 O1 + 短信绑号)
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_o1_202"))
+    t = client.post("/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devC2"}).json()["bind_ticket"]
+    x = client.post(
+        "/api/v1/auth/wechat/bind-phone/sms",
+        json={"bind_ticket": t, "phone": phone, "code": "123456", "device_id": "devC2"},
+    ).json()
+    x_id = x["token"]["user"]["id"]
+
+    # 新 openid O2 撞同号 → 占用(has_wechat=True)→ 继续绑定
+    body = _occupy_via_conflict(client, monkeypatch, "openid_o2_202", phone, "devC2b")
+    assert body["occupied_account"]["has_wechat"] is True
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/continue",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devC2b"},
+    )
+    assert r.status_code == 200, r.text
+    assert r.json()["token"]["user"]["id"] == x_id  # 登入 X
+
+    # O2 被丢弃:再走 wechat-login(O2)→ 仍未命中(need_bind_phone)
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_o2_202"))
+    assert client.post(
+        "/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devC2b"}
+    ).json()["status"] == "need_bind_phone"
+
+
+def test_continue_expired_ticket_returns_401(client, monkeypatch) -> None:
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    expired = security.create_conflict_ticket(
+        openid="oid", wechat_nickname=None, wechat_avatar_url=None, phone="13900139209"
+    )
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/continue",
+        json={"conflict_ticket": expired, "device_id": "devC3"},
+    )
+    assert r.status_code == 401, r.text
+
+
+# ===== Task 5: 换绑 =====
+
+def test_rebind_creates_new_account_and_binds_openid(client, monkeypatch) -> None:
+    """换绑 → 建全新微信账号 Y(≠X)+ openid 落到 Y;老账号 X 被注销(手机号归 Y)。"""
+    phone = "13900139301"
+    x_id = _sms_occupy(client, phone)
+    body = _occupy_via_conflict(client, monkeypatch, "openid_rb_301", phone, "devR1")
+
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/rebind",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devR1"},
+    )
+    assert r.status_code == 200, r.text
+    y = r.json()["token"]["user"]
+    assert r.json()["status"] == "logged_in"
+    assert y["phone"] == phone
+    assert y["register_channel"] == "wechat"
+    assert y["id"] != x_id  # 是全新账号,不是老账号
+
+    # openid 落到 Y:再走 wechat-login 命中 Y
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devR1"})
+    assert r.json()["status"] == "logged_in"
+    assert r.json()["token"]["user"]["id"] == y["id"]
+
+
+# ===== §10: continue 路径也应用展示身份回填规则 =====
+
+def test_continue_applies_section10(client, monkeypatch) -> None:
+    """§10 via M2 attach 路径: X 是默认昵称+null头像的 sms 账号;
+    continue 绑定微信后,展示昵称/头像应被微信值替换,并体现在响应的 token.user 中。"""
+    phone = "13900139211"
+    _sms_occupy(client, phone)  # 建 X:默认昵称, null avatar
+    body = _occupy_via_conflict(
+        client, monkeypatch, "openid_s10", phone, "devS10"
+    )  # fake_userinfo 默认 nickname="微信昵称", avatar="http://x/a.png"
+
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/continue",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devS10"},
+    )
+    assert r.status_code == 200, r.text
+    user_out = r.json()["token"]["user"]
+    assert user_out["nickname"] == "微信昵称"
+    assert user_out["avatar_url"] == "http://x/a.png"
+
+
+def test_rebind_blocked_within_30_days(client, monkeypatch) -> None:
+    """同一手机号 30 天内二次换绑 → 409;占用响应 rebind_available=False。"""
+    phone = "13900139302"
+    _sms_occupy(client, phone)
+    body = _occupy_via_conflict(client, monkeypatch, "openid_rb_302a", phone, "devR2")
+    assert client.post(
+        "/api/v1/auth/wechat/conflict/rebind",
+        json={"conflict_ticket": body["conflict_ticket"], "device_id": "devR2"},
+    ).status_code == 200
+
+    # 第二次:新 openid 撞同号 → 占用响应此时 rebind_available=False
+    body2 = _occupy_via_conflict(client, monkeypatch, "openid_rb_302b", phone, "devR2b")
+    assert body2["rebind_available"] is False
+    assert body2["rebind_blocked_days"] >= 1
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/rebind",
+        json={"conflict_ticket": body2["conflict_ticket"], "device_id": "devR2b"},
+    )
+    assert r.status_code == 409, r.text
+
+
+def test_rebind_expired_ticket_returns_401(client, monkeypatch) -> None:
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    expired = security.create_conflict_ticket(
+        openid="oid", wechat_nickname=None, wechat_avatar_url=None, phone="13900139309"
+    )
+    r = client.post(
+        "/api/v1/auth/wechat/conflict/rebind",
+        json={"conflict_ticket": expired, "device_id": "devR3"},
+    )
+    assert r.status_code == 401, r.text

tests/test_wechat_login.py

@@ -0,0 +1,198 @@
+"""微信登录 M1 测试:bind_ticket 令牌、wechat-login(openid 命中/未命中)、
+bind-phone(建号/占用/令牌过期)。
+
+沿用 tests/test_auth.py 风格:HTTP 走 client fixture;微信 code→openid 用 monkeypatch
+拦掉(conftest 里 WECHAT_APP_ID/SECRET 是 dummy,不真连微信);短信走 SMS_MOCK(任意 6 位通过)。
+"""
+from __future__ import annotations
+
+import pytest
+
+from app.api.v1 import auth
+from app.core import security
+from app.integrations import wxpay
+
+
+def _fake_userinfo(openid: str, nickname: str | None = "微信昵称", avatar: str | None = "http://x/a.png"):
+    """返回一个可传给 monkeypatch 的假 code_to_userinfo(忽略 code,固定返回给定 openid)。"""
+    def _f(code: str) -> dict:
+        return {"openid": openid, "nickname": nickname, "avatar_url": avatar, "raw": {}}
+    return _f
+
+
+# ===== Task 1: bind_ticket 令牌 =====
+
+def test_bind_ticket_roundtrip() -> None:
+    token = security.create_bind_ticket(openid="oid1", wechat_nickname="昵", wechat_avatar_url="http://a")
+    claims = security.decode_bind_ticket(token)
+    assert claims["openid"] == "oid1"
+    assert claims["wnk"] == "昵"
+    assert claims["wav"] == "http://a"
+
+
+def test_bind_ticket_wrong_type_rejected() -> None:
+    # 用 access token 冒充 bind_ticket → TokenError(typ 不匹配)
+    access, _ = security.create_token(user_id=1, token_type="access")
+    with pytest.raises(security.TokenError):
+        security.decode_bind_ticket(access)
+
+
+def test_bind_ticket_expired_rejected(monkeypatch) -> None:
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    token = security.create_bind_ticket(openid="oid", wechat_nickname=None, wechat_avatar_url=None)
+    with pytest.raises(security.TokenError):
+        security.decode_bind_ticket(token)
+
+
+# ===== Task 2: wechat-login =====
+
+def test_wechat_login_new_openid_returns_bind_ticket(client, monkeypatch) -> None:
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_new_1", "小明", "http://x/m.png"))
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "wxcode1", "device_id": "devA"})
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "need_bind_phone"
+    assert body["bind_ticket"]
+    assert body["wechat_nickname"] == "小明"
+    assert body["wechat_avatar_url"] == "http://x/m.png"
+    assert body["token"] is None
+
+
+def test_wechat_login_invalid_code_returns_400(client, monkeypatch) -> None:
+    def _raise(code: str) -> dict:
+        raise ValueError("微信授权失败: invalid code")
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _raise)
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "bad", "device_id": "devA"})
+    assert r.status_code == 400, r.text
+
+
+# ===== Task 3: bind-phone/sms =====
+
+def test_wechat_bind_sms_creates_account_then_openid_logs_in(client, monkeypatch) -> None:
+    """未占用 → 建微信账号(channel=wechat,昵称头像取微信);再次同 openid 登录 → 直接登入同一账号。"""
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_flow_2", "阿花", "http://x/h.png"))
+    phone = "13900139002"
+
+    # 1) 微信登录 → 未命中 → 拿 ticket
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "c1", "device_id": "devB"})
+    ticket = r.json()["bind_ticket"]
+    assert ticket
+
+    # 2) 短信绑号(SMS_MOCK:任意 6 位通过)→ 建号 + 登入
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/sms",
+        json={"bind_ticket": ticket, "phone": phone, "code": "123456", "device_id": "devB"},
+    )
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "logged_in"
+    user = body["token"]["user"]
+    assert user["phone"] == phone
+    assert user["register_channel"] == "wechat"
+    assert user["nickname"] == "阿花"
+    assert user["avatar_url"] == "http://x/h.png"
+    uid = user["id"]
+
+    # 3) 再次微信登录(同 openid)→ 命中 → 直接登入同一账号
+    r = client.post("/api/v1/auth/wechat-login", json={"code": "c2", "device_id": "devB"})
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "logged_in"
+    assert body["token"]["user"]["id"] == uid
+
+
+def test_wechat_bind_sms_phone_occupied(client, monkeypatch) -> None:
+    """手机号已被其他账号占用 → 返回 phone_occupied + 原账号信息(不建号)。"""
+    phone = "13900139003"
+    # 先用普通短信登录占用该手机号(register_channel=sms)
+    assert client.post("/api/v1/auth/sms/send", json={"phone": phone}).status_code == 200
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    occupied_nickname = r.json()["user"]["nickname"]
+
+    # 微信登录(新 openid)→ 未命中 → ticket
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_occ_3"))
+    ticket = client.post(
+        "/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devC"}
+    ).json()["bind_ticket"]
+
+    # 绑同一手机号 → 占用
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/sms",
+        json={"bind_ticket": ticket, "phone": phone, "code": "123456", "device_id": "devC"},
+    )
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "phone_occupied"
+    assert body["token"] is None
+    assert body["occupied_account"]["nickname"] == occupied_nickname
+    assert body["occupied_account"]["avatar_url"] is None  # 短信注册账号无头像 → 序列化为 null
+    assert body["occupied_account"]["created_at"]
+
+
+def test_wechat_bind_sms_expired_ticket_returns_401(client, monkeypatch) -> None:
+    """过期 bind_ticket → 401。"""
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    expired = security.create_bind_ticket(openid="openid_exp", wechat_nickname="x", wechat_avatar_url=None)
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/sms",
+        json={"bind_ticket": expired, "phone": "13900139009", "code": "123456", "device_id": "devD"},
+    )
+    assert r.status_code == 401, r.text
+
+
+# ===== Task 4: bind-phone/jverify =====
+
+def test_wechat_bind_jverify_creates_account(client, monkeypatch) -> None:
+    """本机号(极光)绑定路径:verify_and_get_phone 拦掉,未占用 → 建号登入。"""
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_jv_5", "极光用户", None))
+    phone = "13900139005"
+    # 极光 loginToken→手机号 在 auth 模块命名空间打桩(auth.py 顶部 from ...jiguang import verify_and_get_phone)
+    monkeypatch.setattr(auth, "verify_and_get_phone", lambda token: phone)
+
+    ticket = client.post(
+        "/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devE"}
+    ).json()["bind_ticket"]
+
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/jverify",
+        json={"bind_ticket": ticket, "login_token": "jgtoken", "device_id": "devE"},
+    )
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["status"] == "logged_in"
+    user = body["token"]["user"]
+    assert user["phone"] == phone
+    assert user["register_channel"] == "wechat"
+    assert user["nickname"] == "极光用户"
+    # 微信 userinfo 隐私脱敏 avatar=None → 头像为空(客户端兜底默认头像)
+    assert user["avatar_url"] is None
+
+
+def test_wechat_bind_jverify_expired_ticket_returns_401(client, monkeypatch) -> None:
+    """过期 bind_ticket → 401(极光绑号路径,decode 先于极光核验)。"""
+    monkeypatch.setattr(security.settings, "WECHAT_BIND_TICKET_EXPIRE_MINUTES", -1)
+    expired = security.create_bind_ticket(openid="openid_jv_exp", wechat_nickname="x", wechat_avatar_url=None)
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/jverify",
+        json={"bind_ticket": expired, "login_token": "jgtoken", "device_id": "devE"},
+    )
+    assert r.status_code == 401, r.text
+
+
+def test_wechat_bind_jverify_jiguang_error_returns_502(client, monkeypatch) -> None:
+    """极光核验失败(JiguangError)→ 502。"""
+    monkeypatch.setattr(wxpay, "code_to_userinfo", _fake_userinfo("openid_jv_err"))
+
+    def _raise(token: str) -> str:
+        raise auth.JiguangError("mock jg failure")
+
+    monkeypatch.setattr(auth, "verify_and_get_phone", _raise)
+    ticket = client.post(
+        "/api/v1/auth/wechat-login", json={"code": "c", "device_id": "devE"}
+    ).json()["bind_ticket"]
+    r = client.post(
+        "/api/v1/auth/wechat/bind-phone/jverify",
+        json={"bind_ticket": ticket, "login_token": "badtoken", "device_id": "devE"},
+    )
+    assert r.status_code == 502, r.text

tests/test_withdraw.py

@@ -312,6 +312,94 @@ def test_bind_rejects_openid_already_bound(client, monkeypatch) -> None:
     assert r.status_code == 409, r.text
 
 
+# ===== §10 绑微信时展示身份回填规则 =====
+
+def test_bind_replaces_default_nickname_and_null_avatar(client, monkeypatch) -> None:
+    """§10-A: 全默认(昵称=系统默认,头像=null) → 绑微信后两个展示字段都替换为微信值。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_a", "nickname": "微信昵称A", "avatar_url": "https://x/a.png", "raw": {}},
+    )
+    token = _login(client, "13800003001")
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    assert r.status_code == 200, r.text
+    body = r.json()
+    assert body["nickname"] == "微信昵称A"
+    assert body["avatar_url"] == "https://x/a.png"
+
+
+def test_bind_keeps_customized_nickname(client, monkeypatch) -> None:
+    """§10-B: 用户已改过昵称 → 绑微信后昵称保留,但 null 头像仍替换为微信头像。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_b", "nickname": "微信昵称B", "avatar_url": "https://x/b.png", "raw": {}},
+    )
+    token = _login(client, "13800003002")
+    # 先把昵称改成非默认值
+    r = client.patch(
+        "/api/v1/user/profile", json={"nickname": "我的名字"}, headers=_auth(token)
+    )
+    assert r.status_code == 200, r.text
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == "我的名字"       # 保留自定义昵称
+    assert body["avatar_url"] == "https://x/b.png"  # null 头像被微信头像替换
+
+
+def test_bind_keeps_customized_avatar(client, monkeypatch) -> None:
+    """§10-C: 已有自定义头像 → 绑微信后头像保留,但默认昵称替换为微信昵称。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_c", "nickname": "微信昵称C", "avatar_url": "https://x/c.png", "raw": {}},
+    )
+    token = _login(client, "13800003003")
+    phone = "13800003003"
+    # 直接用 DB 给用户写入自定义头像(保持默认昵称)
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        user.avatar_url = "https://custom/av.png"
+        db.commit()
+    finally:
+        db.close()
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == "微信昵称C"           # 默认昵称被替换
+    assert body["avatar_url"] == "https://custom/av.png"  # 自定义头像保留
+
+
+def test_bind_wechat_empty_keeps_default(client, monkeypatch) -> None:
+    """§10-D: 微信侧 nickname/avatar 均为 None → 不覆盖,展示字段维持原默认值。"""
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": "openid_s10_d", "nickname": None, "avatar_url": None, "raw": {}},
+    )
+    token = _login(client, "13800003004")
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    original_nickname = r.json()["nickname"]  # 系统分配的默认昵称
+    assert original_nickname.startswith("用户")
+
+    r = client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+    assert r.status_code == 200, r.text
+
+    r = client.get("/api/v1/auth/me", headers=_auth(token))
+    body = r.json()
+    assert body["nickname"] == original_nickname  # 默认昵称不变
+    assert body["avatar_url"] is None             # 头像仍为 null
+
+
 def test_withdraw_reject_refunds(client, monkeypatch) -> None:
     """管理员审核拒绝 → 退回现金 + 单 rejected + 理由写入 fail_reason(用户可见)。"""
     monkeypatch.setattr("app.integrations.wxpay.code_to_userinfo", lambda code: {"openid": "openid_reject", "nickname": None, "avatar_url": None, "raw": {}})