fix: 富友回调应答XMLName缺失 + term_ip自动探测服务器IP替代硬编码

internal/service/client_order/payment_provider.go

@@ -54,7 +54,7 @@ type fuiouPaymentProvider struct {
 // 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, "127.0.0.1", f.tradeType, f.appID, openID)
+	resp, err := f.client.WxPreCreate(orderNo, amountStr, description, fuiou.GetServerIP(), f.tradeType, f.appID, openID)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeFuiouPayFailed, err, "富友预下单失败")
 	}

pkg/fuiou/client.go

@@ -11,11 +11,13 @@ import (
 	"encoding/xml"
 	"fmt"
 	"io"
+	"net"
 	"net/http"
 	"net/url"
 	"reflect"
 	"sort"
 	"strings"
+	"sync"
 
 	"golang.org/x/text/encoding/simplifiedchinese"
 	"golang.org/x/text/transform"
@@ -255,6 +257,26 @@ func generateRandomStr() string {
 	return fmt.Sprintf("%x", b)
 }
 
+var (
+	serverIP     string
+	serverIPOnce sync.Once
+)
+
+// GetServerIP 获取服务器非回环 IPv4 地址（进程生命周期内缓存）
+func GetServerIP() string {
+	serverIPOnce.Do(func() {
+		addrs, _ := net.InterfaceAddrs()
+		for _, addr := range addrs {
+			if ipNet, ok := addr.(*net.IPNet); ok && !ipNet.IP.IsLoopback() && ipNet.IP.To4() != nil {
+				serverIP = ipNet.IP.String()
+				return
+			}
+		}
+		serverIP = "127.0.0.1"
+	})
+	return serverIP
+}
+
 // parsePrivateKey 解析 Base64 编码的 RSA 私钥
 // 支持多种格式: PEM(PKCS1/PKCS8) 和 DER(PKCS1/PKCS8)
 func parsePrivateKey(base64Str string) (*rsa.PrivateKey, error) {

pkg/fuiou/types.go

@@ -60,6 +60,7 @@ type NotifyRequest struct {
 
 // NotifyResponse 回调响应
 type NotifyResponse struct {
-	ResultCode string `xml:"result_code"` // 结果码
-	ResultMsg  string `xml:"result_msg"`  // 结果消息
+	XMLName    xml.Name `xml:"xml"`
+	ResultCode string   `xml:"result_code"` // 结果码
+	ResultMsg  string   `xml:"result_msg"`  // 结果消息
 }