需求疑问准备

docs/待沟通/号卡流程.md

@@ -0,0 +1,44 @@
+# 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
+```