diff --git a/docs/待沟通/全局业务架构流程.md b/docs/待沟通/全局业务架构流程.md
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+# 全局业务流程图
+
+```mermaid
+flowchart TD
+    %% ================= 角色与外部系统 =================
+    subgraph Clients [客户与渠道]
+        User((C端个人用户))
+        Enterprise["B端企业客户<br/>(批量采购/自行管卡)"]
+        Agent[代理商/分销商]
+    end
+
+    subgraph UpstreamLayer [上游基础设施]
+        Upstream[上游运营商/厂家API]
+        Tower[基站/用量数据源]
+    end
+
+    %% ================= 平台核心逻辑 =================
+    subgraph Platform [Junhong CMP 核心平台]
+        direction TB
+
+        %% --- 1. 交易与开卡链路 ---
+        subgraph TradeFlow [交易与开通]
+            OrderStart{订单类型?}
+            
+            %% 流量卡分支
+            TrafficCard["流量卡业务<br/>(平台定价+代理加价)"]
+            PayPlatform[支付给平台]
+            SplitBill[资金分流: <br/>1. 扣除平台成本<br/>2. 代理赚差价]
+            
+            %% 号卡分支
+            NumberCard["号卡业务<br/>(厂家固定定价)"]
+            PayFactory[用户直付运营商]
+            WaitSettle[等待厂家结算佣金]
+            
+            %% 开通动作
+            ActivateCmd[调用上游激活API]
+        end
+
+        %% --- 2. 监控与风控链路 (卡管核心) ---
+        subgraph MonitorFlow [监控与生命周期]
+            DataSync[用量/状态同步]
+            
+            MonitorEngine{风控规则引擎}
+            
+            %% 监控分支
+            CheckPersonal{个人套餐<br/>是否超量?}
+            CheckEnterprise{企业卡池/额度<br/>是否超标?}
+            
+            %% 动作
+            ActionStop[发送停机指令]
+            ActionResume[发送复机指令]
+            Alert[发送预警通知]
+        end
+
+        %% --- 3. 佣金结算链路 ---
+        subgraph FinanceFlow [佣金结算]
+            CommCalc[佣金计算]
+            
+            %% 流量卡佣金
+            TrafficProfit[流量卡收益:<br/>差价 + 基础返点]
+            
+            %% 号卡佣金
+            NumberProfit[号卡收益:<br/>冻结 -> 三无校验 -> 解冻]
+            
+            Wallet[(用户/代理余额)]
+        end
+    end
+
+    %% ================= 连线关系 =================
+
+    %% 1. 推广与购买
+    Agent -->|推广链接/开户| Clients
+    User -->|购买单卡| OrderStart
+    Enterprise -->|批量采购| OrderStart
+
+    OrderStart -->|流量卡| TrafficCard
+    TrafficCard --> PayPlatform
+    PayPlatform --> SplitBill
+    SplitBill --> ActivateCmd
+    
+    OrderStart -->|号卡| NumberCard
+    NumberCard --> PayFactory
+    PayFactory -.->|资金不经平台| Upstream
+    PayFactory -->|通知开通| ActivateCmd
+
+    ActivateCmd -->|API请求| Upstream
+
+    %% 2. 资金结算流
+    SplitBill -->|入账| Wallet
+    Upstream -.->|周期结算单| WaitSettle
+    WaitSettle --> CommCalc
+    SplitBill --> CommCalc
+    
+    CommCalc --> TrafficProfit
+    CommCalc --> NumberProfit
+    TrafficProfit --> Wallet
+    NumberProfit --> Wallet
+
+    %% 3. 监控与控制流 (闭环)
+    Upstream -->|1. 推送话单/用量| DataSync
+    DataSync --> MonitorEngine
+    
+    MonitorEngine --> CheckPersonal
+    MonitorEngine --> CheckEnterprise
+    
+    %% 个人判断
+    CheckPersonal -->|超量| ActionStop
+    CheckPersonal -->|正常| DataSync
+    
+    %% 企业判断
+    Enterprise -->|设置额度/查看报表| CheckEnterprise
+    CheckEnterprise -->|卡池耗尽/单卡超额| ActionStop
+    CheckEnterprise -->|余额充足| ActionResume
+    
+    %% 执行控制
+    ActionStop -->|API: 停机| Upstream
+    ActionStop -->|短信/邮件| Alert --> Clients
+    ActionResume -->|API: 复机| Upstream
+
+    %% 样式定义
+    classDef actor fill:#e1f5ff,stroke:#0288d1,stroke-width:2px
+    classDef process fill:#e8f5e9,stroke:#4caf50,stroke-width:2px
+    classDef logic fill:#fff9c4,stroke:#fbc02d,stroke-width:1px
+    classDef warning fill:#ffcdd2,stroke:#c62828,stroke-width:2px
+
+    class User,Enterprise,Agent,Upstream actor
+    class PayPlatform,PayFactory,ActivateCmd,DataSync,ActionStop,ActionResume process
+    class OrderStart,MonitorEngine,CheckPersonal,CheckEnterprise,CommCalc logic
+    class ActionStop warning
+```
diff --git a/docs/待沟通/关于分佣.md b/docs/待沟通/关于分佣.md
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+上周跟杨经理沟通了关于分佣的问题
+
+我们的业务分为分为两条线分别是流量卡(按照流量计算的为大代理,不走我们的卡管)跟号卡
+
+之前大萝卜去沟通的分佣逻辑事实上是倾向于号卡的,跟流量卡的实际销售路径其实是完全不一样的
+
+## 流量卡
+
+目前咱们公司的流量卡销售的分佣虽然叫作分佣,其实他本质上是一种阴阳菜单
+
+平台按照50元的进货价进货后,加上自己的成本以及一定利润加价给代理商,可能A代理商给他是60,B代理商给他是70...
+
+之后A代理商可能又加价给他的下游代理商(也可能不加价),同时代理商们可以基于他们的成本价/进货价(我们给这个代理设置的成本价)决定他们终端客户能[看/买]到多少钱的套餐,假设代理商拿到手的流量卡成本价是80元,那么他可以给终端客户的价格是80+10=90元,或者80+20=100元,或者80+30=110元...
+
+此时终端客户购买了110元的套餐此时平台(我们公司)收账110,我们从中拿走80元,其他的归代理所有.
+
+同时流量卡还有一个真正的分佣,这个分佣是从我们给代理商的价格中分钱给他,譬如上面的例子中,我们再加一个分佣规则,每卖一个套餐就给 5元/5% 佣金
+
+这个是我们流量卡真正的分佣,同时他还有号卡的梯度分佣
+
+
+流量卡流程:
+
+```mermaid
+flowchart TD
+      Start([平台以50元进货]) --> Config[配置代理阴阳菜单成本价<br/>成本价包含进货价运营成本平台利润]
+      Config --> Distribute{分配至不同代理层级}
+
+      Distribute -->|A代理| CostA[(A代理成本价: 60元)]
+      Distribute -->|B代理| CostB[(B代理成本价: 70元)]
+      Distribute -->|其他代理| CostC[(其他代理成本价: 自定义)]
+
+      CostA & CostB & CostC --> AgentPrice[代理根据成本价自主加价]
+      AgentPrice --> RetailPrice[(终端套餐价: 90/100/110元)]
+
+      RetailPrice --> OrderType{订单类型}
+
+      %% 流程1: 用户主动购买
+      OrderType -->|流程1: 用户主动购买| UserPay[用户直接向平台支付套餐价]
+      UserPay --> PlatformReceive1[平台收款 套餐价90元]
+      PlatformReceive1 --> Deduct1[平台扣除代理成本价60元]
+      Deduct1 --> PriceDiff[差价30元归代理]
+
+      %% 流程2: 代理预充值购买
+      OrderType -->|流程2: 代理预充值购买| AgentRecharge[代理提前充值余额到平台]
+      AgentRecharge --> AgentBalance[(代理账户余额)]
+      AgentBalance --> AgentBuy[代理帮客户下单]
+      AgentBuy --> DeductBalance[从代理余额扣除成本价60元]
+      DeductBalance --> AgentCollect[代理自行向客户收取套餐价90元]
+      AgentCollect --> AgentProfit[代理赚取差价30元]
+
+      %% 分佣逻辑 - 流程1
+      PriceDiff --> Commission1{流程1触发分佣}
+      Commission1 -->|订单完成| CheckRule1[查找该代理的分佣规则]
+      CheckRule1 --> HasRule1{是否配置分佣?}
+      HasRule1 -->|固定分佣| Fixed1[示例: 每单返5元]
+      HasRule1 -->|比例分佣| Percent1[示例: 按成本价5%返佣<br/>60元乘5% 得3元]
+      HasRule1 -->|无分佣| NoCommission1[不返佣仅保留差价]
+      Fixed1 & Percent1 --> Return1[从平台收入中返还给代理]
+
+      %% 分佣逻辑 - 流程2
+      DeductBalance --> Commission2{流程2触发分佣}
+      Commission2 -->|订单完成| CheckRule2[查找该代理的分佣规则<br/>基于成本价分佣]
+      CheckRule2 --> HasRule2{是否配置分佣?}
+      HasRule2 -->|固定分佣| Fixed2[示例: 每单返5元]
+      HasRule2 -->|比例分佣| Percent2[示例: 按成本价5%返佣<br/>60元乘5% 得3元]
+      HasRule2 -->|无分佣| NoCommission2[不返佣]
+      Fixed2 & Percent2 --> Return2[从平台收入返还到代理余额<br/>或直接提现]
+
+      %% 资金流总结
+      Return1 & Return2 & AgentProfit --> Summary[资金流总结]
+      Summary --> Flow1[流程1平台收90元<br/>给代理差价30元<br/>给代理分佣3到5元<br/>平台净利润55到57元]
+      Summary --> Flow2[流程2平台收60元<br/>给代理分佣3到5元<br/>平台净利润55到57元<br/>代理自行赚差价30元]
+
+      classDef highlight fill:#e1f5ff,stroke:#0288d1,stroke-width:2px
+      classDef profit fill:#f9f2d2,stroke:#caaa44,stroke-width:2px
+      classDef commission fill:#e8f5e9,stroke:#4caf50,stroke-width:2px
+
+      class UserPay,AgentBuy highlight
+      class PriceDiff,AgentProfit profit
+      class Return1,Return2 commission
+```
+
+
+
+## 号卡
+
+
+我们号卡还是跟原来一样
+> 核心差异：号卡是**厂家定价**，资金流**直连厂家**。平台仅负责分发产品和二次结算佣金。
+
+```mermaid
+flowchart TD
+      %% Initialization
+      Factory([上游厂家/运营商]) -->|制定固定套餐| Product["标准号卡产品<br/>(价格/流量/语音由厂家定死)"]
+      Product -->|上架| Platform[平台]
+      Platform -->|分销| Agent[代理商]
+      
+      %% User Action
+      Agent -->|推广链接/卡板| User(终端用户)
+      User -->|激活 & 充值| PayUpstream[直接支付给运营商/厂家]
+      
+      %% Money Logic
+      PayUpstream --"资金不经过平台"--> FactoryWallet[(厂家账户)]
+      
+      %% Commission Settlement
+      FactoryWallet -->|周期性结算| TotalCommission[支付总佣金给平台]
+      TotalCommission --> PlatformWallet[平台收款]
+      
+      %% Internal Distribution
+      PlatformWallet --> MatchRule{匹配代理规则}
+      MatchRule -->|计算佣金| AgentComm[代理佣金]
+      
+      AgentComm -->|"状态: 冻结/在途"| Verify{"满足返佣条件?<br/>(首充/三无/在网时长)"}
+      
+      Verify -->|条件满足| Unfreeze[解冻/发放]
+      Unfreeze --> AgentBalance[(代理商余额)]
+      
+      Verify -->|条件不满足| Invalid[佣金失效]
+      
+      %% Profit
+      PlatformWallet -->|总佣金 - 代理佣金| Profit[平台留存利润]
+
+      classDef highlight fill:#e1f5ff,stroke:#0288d1,stroke-width:2px
+      classDef profit fill:#f9f2d2,stroke:#caaa44,stroke-width:2px
+      classDef commission fill:#e8f5e9,stroke:#4caf50,stroke-width:2px
+
+      class PayUpstream,TotalCommission highlight
+      class Profit,AgentBalance profit
+      class AgentComm,Unfreeze commission
+```
+
+
+整体流程:
+
+```mermaid
+flowchart TD
+    %% ================= 角色与外部系统 =================
+    subgraph Clients [客户与渠道]
+        User((C端个人用户))
+        Enterprise["B端企业客户<br/>(批量采购/自行管卡)"]
+        Agent[代理商/分销商]
+    end
+
+    subgraph UpstreamLayer [上游基础设施]
+        Upstream[上游运营商/厂家API]
+        Tower[基站/用量数据源]
+    end
+
+    %% ================= 平台核心逻辑 =================
+    subgraph Platform [Junhong CMP 核心平台]
+        direction TB
+
+        %% --- 1. 交易与开卡链路 ---
+        subgraph TradeFlow [交易与开通]
+            OrderStart{订单类型?}
+            
+            %% 流量卡分支
+            TrafficCard["流量卡业务<br/>(平台定价+代理加价)"]
+            PayPlatform[支付给平台]
+            SplitBill[资金分流: <br/>1. 扣除平台成本<br/>2. 代理赚差价]
+            
+            %% 号卡分支
+            NumberCard["号卡业务<br/>(厂家固定定价)"]
+            PayFactory[用户直付运营商]
+            WaitSettle[等待厂家结算佣金]
+            
+            %% 开通动作
+            ActivateCmd[调用上游激活API]
+        end
+
+        %% --- 2. 监控与风控链路 (卡管核心) ---
+        subgraph MonitorFlow [监控与生命周期]
+            DataSync[用量/状态同步]
+            
+            MonitorEngine{风控规则引擎}
+            
+            %% 监控分支
+            CheckPersonal{个人套餐<br/>是否超量?}
+            CheckEnterprise{企业卡池/额度<br/>是否超标?}
+            
+            %% 动作
+            ActionStop[发送停机指令]
+            ActionResume[发送复机指令]
+        end
+
+        %% --- 3. 佣金结算链路 ---
+        subgraph FinanceFlow [佣金结算]
+            CommCalc[佣金计算]
+            
+            %% 流量卡佣金
+            TrafficProfit[流量卡收益:<br/>差价 + 基础返点]
+            
+            %% 号卡佣金
+            NumberProfit[号卡收益:<br/>冻结 -> 三无校验 -> 解冻]
+            
+            Wallet[(用户/代理余额)]
+        end
+    end
+
+    %% ================= 连线关系 =================
+
+    %% 1. 推广与购买
+    Agent -->|推广链接/开户| Clients
+    User -->|购买单卡| OrderStart
+    Enterprise -->|批量采购| OrderStart
+
+    OrderStart -->|流量卡| TrafficCard
+    TrafficCard --> PayPlatform
+    PayPlatform --> SplitBill
+    SplitBill --> ActivateCmd
+    
+    OrderStart -->|号卡| NumberCard
+    NumberCard --> PayFactory
+    PayFactory -.->|资金不经平台| Upstream
+    PayFactory -->|通知开通| ActivateCmd
+
+    ActivateCmd -->|API请求| Upstream
+
+    %% 2. 资金结算流
+    SplitBill -->|入账| Wallet
+    Upstream -.->|周期结算单| WaitSettle
+    WaitSettle --> CommCalc
+    SplitBill --> CommCalc
+    
+    CommCalc --> TrafficProfit
+    CommCalc --> NumberProfit
+    TrafficProfit --> Wallet
+    NumberProfit --> Wallet
+
+    %% 3. 监控与控制流 (闭环)
+    Upstream -->|1. 推送话单/用量| DataSync
+    DataSync --> MonitorEngine
+    
+    MonitorEngine --> CheckPersonal
+    MonitorEngine --> CheckEnterprise
+    
+    %% 个人判断
+    CheckPersonal -->|超量| ActionStop
+    CheckPersonal -->|正常| DataSync
+    
+    %% 企业判断
+    Enterprise -->|设置额度/查看报表| CheckEnterprise
+    CheckEnterprise -->|卡池耗尽/单卡超额| ActionStop
+    CheckEnterprise -->|余额充足| ActionResume
+    
+    %% 执行控制
+    ActionStop -->|API: 停机| Upstream
+    ActionResume -->|API: 复机| Upstream
+
+    %% 样式定义
+    classDef actor fill:#e1f5ff,stroke:#0288d1,stroke-width:2px
+    classDef process fill:#e8f5e9,stroke:#4caf50,stroke-width:2px
+    classDef logic fill:#fff9c4,stroke:#fbc02d,stroke-width:1px
+    classDef warning fill:#ffcdd2,stroke:#c62828,stroke-width:2px
+
+    class User,Enterprise,Agent,Upstream actor
+    class PayPlatform,PayFactory,ActivateCmd,DataSync,ActionStop,ActionResume process
+    class OrderStart,MonitorEngine,CheckPersonal,CheckEnterprise,CommCalc logic
+    class ActionStop warning
+```
+
+
+需要处理的事情
+1. 确认上面的东西是不是对的
+2. 确认一下是否还有别的业务
+3. 跟我讲一下我们的实际业务
diff --git a/docs/待沟通/关于分佣.pdf b/docs/待沟通/关于分佣.pdf
new file mode 100644
index 0000000..098e929
Binary files /dev/null and b/docs/待沟通/关于分佣.pdf differ
diff --git a/docs/待沟通/号卡流程.md b/docs/待沟通/号卡流程.md
new file mode 100644
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+++ b/docs/待沟通/号卡流程.md
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+# 号卡分佣流程 (简化版)
+
+> 核心差异：号卡是**厂家定价**，资金流**直连厂家**。平台仅负责分发产品和二次结算佣金。
+
+```mermaid
+flowchart TD
+      %% Initialization
+      Factory([上游厂家/运营商]) -->|制定固定套餐| Product["标准号卡产品<br/>(价格/流量/语音由厂家定死)"]
+      Product -->|上架| Platform[平台]
+      Platform -->|分销| Agent[代理商]
+      
+      %% User Action
+      Agent -->|推广链接/卡板| User(终端用户)
+      User -->|激活 & 充值| PayUpstream[直接支付给运营商/厂家]
+      
+      %% Money Logic
+      PayUpstream --"资金不经过平台"--> FactoryWallet[(厂家账户)]
+      
+      %% Commission Settlement
+      FactoryWallet -->|周期性结算| TotalCommission[支付总佣金给平台]
+      TotalCommission --> PlatformWallet[平台收款]
+      
+      %% Internal Distribution
+      PlatformWallet --> MatchRule{匹配代理规则}
+      MatchRule -->|计算佣金| AgentComm[代理佣金]
+      
+      AgentComm -->|"状态: 冻结/在途"| Verify{"满足返佣条件?<br/>(首充/三无/在网时长)"}
+      
+      Verify -->|条件满足| Unfreeze[解冻/发放]
+      Unfreeze --> AgentBalance[(代理商余额)]
+      
+      Verify -->|条件不满足| Invalid[佣金失效]
+      
+      %% Profit
+      PlatformWallet -->|总佣金 - 代理佣金| Profit[平台留存利润]
+
+      classDef highlight fill:#e1f5ff,stroke:#0288d1,stroke-width:2px
+      classDef profit fill:#f9f2d2,stroke:#caaa44,stroke-width:2px
+      classDef commission fill:#e8f5e9,stroke:#4caf50,stroke-width:2px
+
+      class PayUpstream,TotalCommission highlight
+      class Profit,AgentBalance profit
+      class AgentComm,Unfreeze commission
+```