feat: 业务逻辑补全 — 佣金待审记录、C端订单重构、支付抽象、富友支付、卡设备状态联动

F-1: 佣金链断裂时创建 status=99 零额待审记录，新增修正接口 POST /commission-records/:id/resolve
F-4: C端订单查询从 Handler 迁移至 Service 层，移除 SkipPermissionCtx
J-1: 富友支付 JSAPI/MiniApp 预下单实现，回调补全签名验证
J-2: 平台钱包代购支持（buyerType 为空时使用资产所属代理钱包）
J-3: 套餐激活后自动更新卡/设备 status=3，最后套餐过期后更新 status=4
支付抽象: 引入 PaymentProvider 接口 + 微信/富友适配器，CreateOrder 支持多支付渠道
修复: 设备/IoT卡响应 DTO 移除 omitempty，空值字段返回 null 而非省略

internal/service/client_order/payment_provider.go

@@ -0,0 +1,146 @@
+package client_order
+
+import (
+	"context"
+	"fmt"
+	"strconv"
+	"strings"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/internal/model/dto"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"github.com/break/junhong_cmp_fiber/pkg/fuiou"
+	"github.com/break/junhong_cmp_fiber/pkg/wechat"
+)
+
+// PaymentProvider C 端支付提供者接口。
+// 抽象不同支付渠道（微信、富友等）的预下单能力。
+type PaymentProvider interface {
+	// CreateJSAPIPayment 创建 JSAPI 预下单，返回前端调起支付的参数。
+	CreateJSAPIPayment(ctx context.Context, orderNo, description, openID string, amount int) (*PaymentResult, error)
+}
+
+// PaymentResult 预下单结果，前端用这些参数调起支付。
+type PaymentResult struct {
+	AppID     string
+	TimeStamp string
+	NonceStr  string
+	Package   string
+	SignType  string
+	PaySign   string
+}
+
+// wechatPaymentProvider 微信支付适配器。
+type wechatPaymentProvider struct {
+	paymentService *wechat.PaymentService
+}
+
+// CreateJSAPIPayment 创建微信 JSAPI 预下单。
+func (w *wechatPaymentProvider) CreateJSAPIPayment(ctx context.Context, orderNo, description, openID string, amount int) (*PaymentResult, error) {
+	result, err := w.paymentService.CreateJSAPIOrder(ctx, orderNo, description, openID, amount)
+	if err != nil {
+		return nil, err
+	}
+	return extractPaymentResult(result.PayConfig), nil
+}
+
+// fuiouPaymentProvider 富友支付适配器。
+type fuiouPaymentProvider struct {
+	client *fuiou.Client
+	appID  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)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeFuiouPayFailed, err, "富友预下单失败")
+	}
+
+	return &PaymentResult{
+		AppID:     resp.SdkAppid,
+		TimeStamp: resp.SdkTimestamp,
+		NonceStr:  resp.SdkNoncestr,
+		Package:   resp.SdkPackage,
+		SignType:  resp.SdkSigntype,
+		PaySign:   resp.SdkPaysign,
+	}, nil
+}
+
+// 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) {
+	switch config.ProviderType {
+	case model.ProviderTypeFuiou:
+		client, err := fuiou.NewClient(
+			config.FyInsCd,
+			config.FyMchntCd,
+			config.FyTermID,
+			config.FyAPIURL,
+			config.FyNotifyURL,
+			config.FyPrivateKey,
+			config.FyPublicKey,
+			s.logger,
+		)
+		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
+	default:
+		cache := wechat.NewRedisCache(s.redis)
+		paymentApp, err := wechat.NewPaymentAppFromConfig(config, appID, cache, s.logger)
+		if err != nil {
+			return nil, errors.Wrap(errors.CodeWechatPayFailed, err, "创建微信支付应用失败")
+		}
+		return &wechatPaymentProvider{paymentService: wechat.NewPaymentService(paymentApp, s.logger)}, nil
+	}
+}
+
+// buildClientPayConfigFromResult 将预下单结果转换为客户端支付参数。
+func buildClientPayConfigFromResult(result *PaymentResult) *dto.ClientPayConfig {
+	if result == nil {
+		result = &PaymentResult{}
+	}
+
+	return &dto.ClientPayConfig{
+		AppID:      result.AppID,
+		Timestamp:  result.TimeStamp,
+		NonceStr:   result.NonceStr,
+		PackageVal: result.Package,
+		SignType:   result.SignType,
+		PaySign:    result.PaySign,
+	}
+}
+
+// extractPaymentResult 从微信 SDK 的 map 配置中提取统一支付参数。
+func extractPaymentResult(payConfig any) *PaymentResult {
+	configMap, _ := payConfig.(map[string]any)
+	if configMap == nil {
+		configMap = map[string]any{}
+	}
+
+	return &PaymentResult{
+		AppID:     payFirstNonEmpty(payStringFromAny(configMap["appId"])),
+		TimeStamp: payFirstNonEmpty(payStringFromAny(configMap["timeStamp"]), payStringFromAny(configMap["timestamp"])),
+		NonceStr:  payStringFromAny(configMap["nonceStr"]),
+		Package:   payStringFromAny(configMap["package"]),
+		SignType:  payStringFromAny(configMap["signType"]),
+		PaySign:   payStringFromAny(configMap["paySign"]),
+	}
+}
+
+func payStringFromAny(value any) string {
+	if value == nil {
+		return ""
+	}
+	return fmt.Sprint(value)
+}
+
+func payFirstNonEmpty(values ...string) string {
+	for _, value := range values {
+		if strings.TrimSpace(value) != "" {
+			return value
+		}
+	}
+	return ""
+}