# 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
```