fix: 修复富友预下单报文格式错(1014) — XML根元素、小程序tradeType、termIP三处问题

internal/service/client_order/payment_provider.go

@@ -48,12 +48,13 @@ func (w *wechatPaymentProvider) CreateJSAPIPayment(ctx context.Context, orderNo,
 type fuiouPaymentProvider struct {
 	client    *fuiou.Client
 	appID     string
+	tradeType string
 }
 
 // CreateJSAPIPayment 创建富友 JSAPI 预下单。
 func (f *fuiouPaymentProvider) CreateJSAPIPayment(ctx context.Context, orderNo, description, openID string, amount int) (*PaymentResult, error) {
 	amountStr := strconv.Itoa(amount)
-	resp, err := f.client.WxPreCreate(orderNo, amountStr, description, "", "JSAPI", f.appID, openID)
+	resp, err := f.client.WxPreCreate(orderNo, amountStr, description, "127.0.0.1", f.tradeType, f.appID, openID)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeFuiouPayFailed, err, "富友预下单失败")
 	}
@@ -69,9 +70,14 @@ func (f *fuiouPaymentProvider) CreateJSAPIPayment(ctx context.Context, orderNo,
 }
 
 // newPaymentProvider 根据支付配置创建支付提供者。
-func (s *Service) newPaymentProvider(config *model.WechatConfig, appID string) (PaymentProvider, error) {
+// appType: "official_account" 或 "miniapp"
+func (s *Service) newPaymentProvider(config *model.WechatConfig, appID, appType string) (PaymentProvider, error) {
 	switch config.ProviderType {
 	case model.ProviderTypeFuiou:
+		tradeType := "JSAPI"
+		if appType == "miniapp" {
+			tradeType = "LETPAY"
+		}
 		client, err := fuiou.NewClient(
 			config.FyInsCd,
 			config.FyMchntCd,
@@ -85,7 +91,7 @@ func (s *Service) newPaymentProvider(config *model.WechatConfig, appID string) (
 		if err != nil {
 			return nil, errors.Wrap(errors.CodeFuiouPayFailed, err, "创建富友客户端失败")
 		}
-		return &fuiouPaymentProvider{client: client, appID: appID}, nil
+		return &fuiouPaymentProvider{client: client, appID: appID, tradeType: tradeType}, nil
 	default:
 		cache := wechat.NewRedisCache(s.redis)
 		paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, s.logger)

internal/service/client_order/service.go

@@ -174,7 +174,7 @@ func (s *Service) CreateOrder(ctx context.Context, customerID uint, req *dto.Cli
 		}
 	}()
 
-	paymentProvider, err := s.newPaymentProvider(activeConfig, appID)
+	paymentProvider, err := s.newPaymentProvider(activeConfig, appID, req.AppType)
 	if err != nil {
 		return nil, err
 	}

pkg/fuiou/client.go

@@ -202,6 +202,12 @@ func structToMap(data interface{}) map[string]string {
 
 	for i := 0; i < t.NumField(); i++ {
 		field := t.Field(i)
+
+		// 排除 XMLName 字段（xml.Name 类型，仅用于指定根元素名称）
+		if field.Name == "XMLName" {
+			continue
+		}
+
 		value := v.Field(i).String()
 
 		tag := field.Tag.Get("xml")

pkg/fuiou/types.go

@@ -2,8 +2,11 @@
 // 实现富友 wxPreCreate 接口的签名、通信和回调处理
 package fuiou
 
+import "encoding/xml"
+
 // WxPreCreateRequest wxPreCreate 下单请求
 type WxPreCreateRequest struct {
+	XMLName      xml.Name `xml:"xml"`
 	Version      string   `xml:"version"`        // 版本号: 1.0
 	InsCd        string   `xml:"ins_cd"`         // 机构号
 	MchntCd      string   `xml:"mchnt_cd"`       // 商户号