feat(distribution): 支持分站独立短信验证码通道

- 新增分销站点独立短信服务商配置（阿里云），登录验证码按 site_code/domain
  解析专属通道，未启用或解析失败时回退主站默认通道
- 密钥经 crypto.Encryptor 加密落库，模型字段 json 序列化隔离，DTO 仅回传掩码
- provider 白名单校验，mock 仅在非生产环境放行；启用时强制校验必填凭据
- 配置读写/测试接口限管理员权限，测试发送增加 60s 频控（Redis，缺省进程内）
- 解密失败记告警并优雅回退主站，避免把密文当明文密钥使用
- 两套前端新增短信配置入口、必填与手机号校验、发送冷却
- 新增迁移 000071 及加解密、白名单、频控、解析回退等单测

backend/internal/model/distribution.go

@@ -17,6 +17,7 @@ type DistributionSite struct {
 	FooterInfoJSON        string    `gorm:"type:text" json:"footer_info_json"`
 	DefaultSupportGroupID *uint64   `gorm:"index" json:"default_support_group_id,omitempty"`
 	ListingQrcodeURL      string    `gorm:"size:512;not null;default:''" json:"listing_qrcode_url"`
+	SMSConfigJSON         string    `gorm:"type:text" json:"-"`
 	ReceiveRatioDelta     float64   `gorm:"type:decimal(10,2);not null;default:0" json:"receive_ratio_delta"`
 	TaxEnabled            bool      `gorm:"not null;default:false" json:"tax_enabled"`
 	TaxRateBPS            int64     `gorm:"not null;default:100" json:"tax_rate_bps"`

backend/internal/modules/auth/handler.go

@@ -2,6 +2,7 @@ package auth
 
 import (
 	"errors"
+	"net"
 	"net/http"
 	"strings"
 
@@ -18,6 +19,7 @@ type SendSMSRequest struct {
 	Phone       string `json:"phone" binding:"required"`
 	CaptchaID   string `json:"captcha_id" binding:"required"`
 	CaptchaCode string `json:"captcha_code" binding:"required"`
+	SiteCode    string `json:"site_code"`
 }
 
 type LoginRequest struct {
@@ -83,13 +85,52 @@ func (h *Handler) SendSMS(c *gin.Context) {
 		response.BadRequest(c, "手机号和图形验证码不能为空")
 		return
 	}
-	if err := h.service.SendSMSCode(c.Request.Context(), strings.TrimSpace(req.Phone), strings.TrimSpace(req.CaptchaID), strings.TrimSpace(req.CaptchaCode)); err != nil {
+
+	siteCode := strings.TrimSpace(firstNonEmpty(
+		c.GetHeader("X-Distribution-Site-Code"),
+		c.Query("distribution_site_code"),
+		c.Query("site_code"),
+		req.SiteCode,
+	))
+	domain := strings.TrimSpace(firstNonEmpty(
+		c.GetHeader("X-Distribution-Domain"),
+		c.Query("distribution_domain"),
+		c.Query("domain"),
+	))
+	if siteCode == "" && domain == "" {
+		host := extractHost(c.Request.Host)
+		if host != "" && host != "localhost" && host != "127.0.0.1" && host != "::1" {
+			domain = host
+		}
+	}
+
+	if err := h.service.SendSMSCode(c.Request.Context(), strings.TrimSpace(req.Phone), strings.TrimSpace(req.CaptchaID), strings.TrimSpace(req.CaptchaCode), siteCode, domain); err != nil {
 		writeAuthError(c, err)
 		return
 	}
 	response.OK(c, gin.H{"phone": PublicPhone(req.Phone), "expires_in": 300})
 }
 
+func firstNonEmpty(items ...string) string {
+	for _, item := range items {
+		if strings.TrimSpace(item) != "" {
+			return item
+		}
+	}
+	return ""
+}
+
+func extractHost(rawHost string) string {
+	rawHost = strings.TrimSpace(rawHost)
+	if rawHost == "" {
+		return ""
+	}
+	if host, _, err := net.SplitHostPort(rawHost); err == nil {
+		return strings.Trim(host, "[]")
+	}
+	return strings.Trim(rawHost, "[]")
+}
+
 // Login 短信验证码登录
 // @Summary      短信验证码登录
 // @Description  使用手机号和验证码登录

backend/internal/modules/auth/service.go

@@ -7,6 +7,7 @@ import (
 	"fmt"
 	"math/big"
 	"regexp"
+	"strings"
 	"time"
 
 	"hfb_sys/backend/internal/captcha"
@@ -48,12 +49,18 @@ const (
 	loginMaxFailureCount = 5
 )
 
+// SiteSMSProviderResolver 用于根据分销站点标识解析专属 SMS Provider
+type SiteSMSProviderResolver interface {
+	ResolveSMSProvider(ctx context.Context, siteCode, domain string) (smsprovider.Provider, error)
+}
+
 type Service struct {
-	users *UserRepository
-	redis *redis.Client
-	jwt   *JWTManager
-	sms   smsprovider.Provider
-	log   *zap.Logger
+	users       *UserRepository
+	redis       *redis.Client
+	jwt         *JWTManager
+	sms         smsprovider.Provider
+	smsResolver SiteSMSProviderResolver
+	log         *zap.Logger
 }
 
 type LoginResult struct {
@@ -65,6 +72,10 @@ func NewService(users *UserRepository, redis *redis.Client, jwt *JWTManager, sms
 	return &Service{users: users, redis: redis, jwt: jwt, sms: sms, log: log}
 }
 
+func (s *Service) SetSiteSMSResolver(resolver SiteSMSProviderResolver) {
+	s.smsResolver = resolver
+}
+
 func (s *Service) Captcha(ctx context.Context) (*captcha.Item, error) {
 	if s.redis == nil {
 		return nil, ErrDependencyUnavailable
@@ -76,7 +87,7 @@ func (s *Service) Captcha(ctx context.Context) (*captcha.Item, error) {
 	return item, err
 }
 
-func (s *Service) SendSMSCode(ctx context.Context, phone string, captchaID string, captchaCode string) error {
+func (s *Service) SendSMSCode(ctx context.Context, phone string, captchaID string, captchaCode string, siteContext ...string) error {
 	if s.redis == nil {
 		return ErrDependencyUnavailable
 	}
@@ -117,14 +128,39 @@ func (s *Service) SendSMSCode(ctx context.Context, phone string, captchaID strin
 		return err
 	}
 
-	if s.sms == nil {
+	provider := s.sms
+	siteCode := ""
+	domain := ""
+	if len(siteContext) > 0 {
+		siteCode = strings.TrimSpace(siteContext[0])
+	}
+	if len(siteContext) > 1 {
+		domain = strings.TrimSpace(siteContext[1])
+	}
+	if s.smsResolver != nil && (siteCode != "" || domain != "") {
+		customProvider, resolveErr := s.smsResolver.ResolveSMSProvider(ctx, siteCode, domain)
+		if resolveErr != nil {
+			if s.log != nil {
+				s.log.Warn("解析分销站点独立短信服务商失败，将回退至主站默认通道",
+					zap.String("site_code", siteCode),
+					zap.String("domain", domain),
+					zap.Error(resolveErr),
+				)
+			}
+		} else if customProvider != nil {
+			provider = customProvider
+		}
+	}
+
+	if provider == nil {
 		return ErrDependencyUnavailable
 	}
-	if err := s.sms.SendLoginCode(ctx, phone, code); err != nil {
+	if err := provider.SendLoginCode(ctx, phone, code); err != nil {
 		if s.log != nil {
 			fields := []zap.Field{
 				zap.String("module", "auth"),
 				zap.String("phone", PublicPhone(phone)),
+				zap.String("site_code", siteCode),
 				zap.Error(err),
 			}
 			if requestID := logging.RequestIDFromContext(ctx); requestID != "" {

backend/internal/modules/auth/sms_resolver_test.go

@@ -0,0 +1,99 @@
+package auth
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	smsprovider "hfb_sys/backend/internal/integrations/sms"
+
+	"github.com/redis/go-redis/v9"
+	"go.uber.org/zap"
+)
+
+type recordProvider struct {
+	sentPhones []string
+}
+
+func (p *recordProvider) SendLoginCode(ctx context.Context, phone string, code string) error {
+	p.sentPhones = append(p.sentPhones, phone)
+	return nil
+}
+
+type mockResolver struct {
+	customProvider smsprovider.Provider
+	calledSites    []string
+}
+
+func (m *mockResolver) ResolveSMSProvider(ctx context.Context, siteCode, domain string) (smsprovider.Provider, error) {
+	m.calledSites = append(m.calledSites, siteCode)
+	if siteCode == "site_custom" {
+		return m.customProvider, nil
+	}
+	return nil, nil
+}
+
+func TestSendSMSCode_SiteResolutionAndFallback(t *testing.T) {
+	rdb := redis.NewClient(&redis.Options{
+		Addr: "127.0.0.1:16379",
+		DB:   14,
+	})
+	ctx := t.Context()
+	if err := rdb.Ping(ctx).Err(); err != nil {
+		t.Skipf("跳过测试：未检测到测试 Redis: %v", err)
+	}
+	t.Cleanup(func() {
+		_ = rdb.FlushDB(context.Background()).Err()
+		_ = rdb.Close()
+	})
+	_ = rdb.FlushDB(ctx)
+
+	defaultProv := &recordProvider{}
+	customProv := &recordProvider{}
+	resolver := &mockResolver{customProvider: customProv}
+
+	svc := NewService(nil, rdb, nil, defaultProv, zap.NewNop())
+	svc.SetSiteSMSResolver(resolver)
+
+	// 1. 无分站标识 -> 使用默认主站 provider
+	if err := rdb.Set(ctx, "captcha:auth:sms:cap1", "ABCD", time.Minute).Err(); err != nil {
+		t.Fatal(err)
+	}
+	phone1 := "13800138001"
+	err := svc.SendSMSCode(ctx, phone1, "cap1", "ABCD")
+	if err != nil {
+		t.Fatalf("SendSMSCode failed: %v", err)
+	}
+	if len(defaultProv.sentPhones) != 1 || defaultProv.sentPhones[0] != phone1 {
+		t.Fatalf("expected default provider to send, got %v", defaultProv.sentPhones)
+	}
+	if len(customProv.sentPhones) != 0 {
+		t.Fatalf("custom provider should not be called without site")
+	}
+
+	// 2. 携带自定义短信分站标识 -> 使用 custom provider
+	if err := rdb.Set(ctx, "captcha:auth:sms:cap2", "EFGH", time.Minute).Err(); err != nil {
+		t.Fatal(err)
+	}
+	phone2 := "13800138002"
+	err = svc.SendSMSCode(ctx, phone2, "cap2", "EFGH", "site_custom")
+	if err != nil {
+		t.Fatalf("SendSMSCode with custom site failed: %v", err)
+	}
+	if len(customProv.sentPhones) != 1 || customProv.sentPhones[0] != phone2 {
+		t.Fatalf("expected custom provider to send, got %v", customProv.sentPhones)
+	}
+
+	// 3. 携带未配置短信分站标识 -> 优雅降级到 default provider
+	if err := rdb.Set(ctx, "captcha:auth:sms:cap3", "JKLM", time.Minute).Err(); err != nil {
+		t.Fatal(err)
+	}
+	phone3 := "13800138003"
+	err = svc.SendSMSCode(ctx, phone3, "cap3", "JKLM", "site_fallback")
+	if err != nil {
+		t.Fatalf("SendSMSCode with fallback site failed: %v", err)
+	}
+	if len(defaultProv.sentPhones) != 2 || defaultProv.sentPhones[1] != phone3 {
+		t.Fatalf("expected default provider to handle fallback, got %v", defaultProv.sentPhones)
+	}
+}

backend/internal/modules/distribution/dto.go

@@ -519,3 +519,36 @@ type DistributionTrendPoint struct {
 	GMVCent       int64  `json:"gmv_cent"`
 	ProfitCent    int64  `json:"profit_cent"`
 }
+
+// 分销站点独立短信配置结构体
+type SiteSMSConfigDTO struct {
+	Enabled           bool   `json:"enabled"`
+	Provider          string `json:"provider"`
+	AccessKeyID       string `json:"access_key_id"`
+	MaskedSecret      string `json:"masked_secret"`
+	HasSecret         bool   `json:"has_secret"`
+	Endpoint          string `json:"endpoint"`
+	SignName          string `json:"sign_name"`
+	LoginTemplateCode string `json:"login_template_code"`
+}
+
+type UpdateSiteSMSConfigRequest struct {
+	Enabled           *bool   `json:"enabled"`
+	Provider          *string `json:"provider"`
+	AccessKeyID       *string `json:"access_key_id"`
+	AccessKeySecret   *string `json:"access_key_secret"`
+	Endpoint          *string `json:"endpoint"`
+	SignName          *string `json:"sign_name"`
+	LoginTemplateCode *string `json:"login_template_code"`
+}
+
+type TestSiteSMSConfigRequest struct {
+	Phone             string  `json:"phone" binding:"required"`
+	Enabled           *bool   `json:"enabled"`
+	Provider          *string `json:"provider"`
+	AccessKeyID       *string `json:"access_key_id"`
+	AccessKeySecret   *string `json:"access_key_secret"`
+	Endpoint          *string `json:"endpoint"`
+	SignName          *string `json:"sign_name"`
+	LoginTemplateCode *string `json:"login_template_code"`
+}

backend/internal/modules/distribution/handler.go

@@ -82,6 +82,57 @@ func (h *Handler) UpdateSite(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) GetSiteSMSConfig(c *gin.Context) {
+	id, ok := parseID(c)
+	if !ok {
+		return
+	}
+	adminID, _ := currentAdminID(c)
+	item, err := h.service.GetSiteSMSConfig(c.Request.Context(), adminID, id)
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
+func (h *Handler) UpdateSiteSMSConfig(c *gin.Context) {
+	id, ok := parseID(c)
+	if !ok {
+		return
+	}
+	var req UpdateSiteSMSConfigRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "短信配置参数不正确")
+		return
+	}
+	adminID, _ := currentAdminID(c)
+	item, err := h.service.UpdateSiteSMSConfig(c.Request.Context(), adminID, id, req)
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
+func (h *Handler) TestSiteSMSConfig(c *gin.Context) {
+	id, ok := parseID(c)
+	if !ok {
+		return
+	}
+	var req TestSiteSMSConfigRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "测试参数不正确，手机号必填")
+		return
+	}
+	adminID, _ := currentAdminID(c)
+	if err := h.service.TestSiteSMSConfig(c.Request.Context(), adminID, id, req); err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, gin.H{"message": "测试短信发送成功"})
+}
+
 func (h *Handler) ListRules(c *gin.Context) {
 	var siteID *uint64
 	if raw := strings.TrimSpace(c.Query("site_id")); raw != "" {
@@ -828,6 +879,12 @@ func writeError(c *gin.Context, err error) {
 		response.BadRequest(c, "请选择要加价的商品")
 	case errors.Is(err, ErrInvalidListingStatus):
 		response.BadRequest(c, "商品展示状态不正确")
+	case errors.Is(err, ErrSMSConfigInvalid):
+		response.BadRequest(c, "分销短信配置不完整，启用时必须配置 AccessKey、签名与模板")
+	case errors.Is(err, ErrSMSTestRateLimited):
+		response.Error(c, http.StatusTooManyRequests, "rate_limited", "测试短信发送过于频繁，请稍后再试")
+	case errors.Is(err, ErrSMSSendFailed):
+		response.Error(c, http.StatusBadGateway, "sms_send_failed", "短信测试发送失败，请检查配置与通道额度")
 	case errors.Is(err, ErrSiteAccessDenied):
 		response.Error(c, http.StatusForbidden, "forbidden", "无权访问该分销站点")
 	case errors.Is(err, ErrDependencyUnavailable):

backend/internal/modules/distribution/repository.go

@@ -17,6 +17,7 @@ import (
 	listingpkg "hfb_sys/backend/internal/modules/listing"
 	"hfb_sys/backend/internal/modules/systemconfig"
 	"hfb_sys/backend/internal/modules/wallet"
+	"hfb_sys/backend/pkg/crypto"
 
 	"github.com/redis/go-redis/v9"
 	"golang.org/x/crypto/bcrypt"
@@ -75,6 +76,8 @@ func normalizeReceiveRatioDelta(delta float64) (float64, error) {
 type Repository struct {
 	db            *gorm.DB
 	redis         *redis.Client
+	encryptor     crypto.Encryptor
+	allowMockSMS  bool
 	siteSyncLocks sync.Map
 }
 
@@ -86,6 +89,65 @@ func NewRepository(db *gorm.DB, redis ...*redis.Client) *Repository {
 	return r
 }
 
+func (r *Repository) SetEncryptor(enc crypto.Encryptor) {
+	if r != nil {
+		r.encryptor = enc
+	}
+}
+
+// SetAllowMockSMS 设置是否允许使用 mock 短信服务商，仅非生产环境应开启。
+func (r *Repository) SetAllowMockSMS(allow bool) {
+	if r != nil {
+		r.allowMockSMS = allow
+	}
+}
+
+// validateSMSProvider 校验并规范化短信服务商；mock 仅在显式允许时可用（非生产环境）。
+func (r *Repository) validateSMSProvider(provider string) (string, error) {
+	normalized := strings.ToLower(strings.TrimSpace(provider))
+	if normalized == "" {
+		return "aliyun", nil
+	}
+	switch normalized {
+	case "aliyun":
+		return normalized, nil
+	case "mock":
+		if r != nil && r.allowMockSMS {
+			return normalized, nil
+		}
+		return "", fmt.Errorf("%w: 当前环境不允许使用 mock 短信服务商", ErrSMSConfigInvalid)
+	default:
+		return "", fmt.Errorf("%w: 不支持的短信服务商 %q", ErrSMSConfigInvalid, provider)
+	}
+}
+
+func (r *Repository) encryptSecret(plaintext string) (string, error) {
+	plaintext = strings.TrimSpace(plaintext)
+	if plaintext == "" {
+		return "", nil
+	}
+	if r != nil && r.encryptor != nil {
+		return r.encryptor.Encrypt(plaintext)
+	}
+	return plaintext, nil
+}
+
+// decryptSecret 解密访问密钥。解密失败时返回错误，避免把密文当明文密钥继续使用。
+func (r *Repository) decryptSecret(ciphertext string) (string, error) {
+	ciphertext = strings.TrimSpace(ciphertext)
+	if ciphertext == "" {
+		return "", nil
+	}
+	if r != nil && r.encryptor != nil {
+		plain, err := r.encryptor.Decrypt(ciphertext)
+		if err != nil {
+			return "", fmt.Errorf("解密短信访问密钥失败: %w", err)
+		}
+		return plain, nil
+	}
+	return ciphertext, nil
+}
+
 func (r *Repository) hasGlobalDistributionAccess(ctx context.Context, adminID uint64) (bool, error) {
 	return r.hasGlobalDistributionAccessWithDB(ctx, r.db, adminID)
 }
@@ -524,6 +586,139 @@ func siteDTO(row model.DistributionSite) SiteDTO {
 	}
 }
 
+func (r *Repository) GetSiteSMSConfig(ctx context.Context, adminID, siteID uint64) (*SiteSMSConfigDTO, error) {
+	cfg, err := r.GetDecryptedSiteSMSConfig(ctx, adminID, siteID)
+	if err != nil {
+		return nil, err
+	}
+	return cfg.ToDTO(), nil
+}
+
+func (r *Repository) GetDecryptedSiteSMSConfig(ctx context.Context, adminID, siteID uint64) (*SiteSMSConfig, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	var row model.DistributionSite
+	if err := r.db.WithContext(ctx).First(&row, siteID).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrSiteNotFound
+		}
+		return nil, err
+	}
+	if err := r.ensureSiteAccess(ctx, adminID, row.ID); err != nil {
+		return nil, err
+	}
+
+	if strings.TrimSpace(row.SMSConfigJSON) == "" {
+		return &SiteSMSConfig{
+			Enabled:  false,
+			Provider: "aliyun",
+			Endpoint: "dysmsapi.aliyuncs.com",
+		}, nil
+	}
+
+	cfg, err := ParseSiteSMSConfig(row.SMSConfigJSON)
+	if err != nil {
+		return nil, err
+	}
+	plainSecret, err := r.decryptSecret(cfg.AccessKeySecret)
+	if err != nil {
+		return nil, err
+	}
+	cfg.AccessKeySecret = plainSecret
+	return cfg, nil
+}
+
+func (r *Repository) UpdateSiteSMSConfig(ctx context.Context, adminID, siteID uint64, req UpdateSiteSMSConfigRequest) (*SiteSMSConfigDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	var row model.DistributionSite
+	if err := r.db.WithContext(ctx).First(&row, siteID).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrSiteNotFound
+		}
+		return nil, err
+	}
+	if err := r.ensureSiteAccess(ctx, adminID, row.ID); err != nil {
+		return nil, err
+	}
+
+	cfg, err := ParseSiteSMSConfig(row.SMSConfigJSON)
+	if err != nil {
+		return nil, fmt.Errorf("解析现有短信配置失败: %w", err)
+	}
+	if cfg == nil {
+		cfg = &SiteSMSConfig{}
+	}
+
+	existingSecret, err := r.decryptSecret(cfg.AccessKeySecret)
+	if err != nil {
+		return nil, err
+	}
+
+	if req.Enabled != nil {
+		cfg.Enabled = *req.Enabled
+	}
+	if req.Provider != nil {
+		cfg.Provider = strings.TrimSpace(*req.Provider)
+	}
+	if req.AccessKeyID != nil {
+		cfg.AccessKeyID = strings.TrimSpace(*req.AccessKeyID)
+	}
+	if req.AccessKeySecret != nil && strings.TrimSpace(*req.AccessKeySecret) != "" {
+		existingSecret = strings.TrimSpace(*req.AccessKeySecret)
+	}
+	if req.Endpoint != nil {
+		cfg.Endpoint = strings.TrimSpace(*req.Endpoint)
+	}
+	if req.SignName != nil {
+		cfg.SignName = strings.TrimSpace(*req.SignName)
+	}
+	if req.LoginTemplateCode != nil {
+		cfg.LoginTemplateCode = strings.TrimSpace(*req.LoginTemplateCode)
+	}
+
+	// 完整性校验：必须属于合法 provider 白名单，且开启时必须提供完整凭据
+	providerType, err := r.validateSMSProvider(cfg.Provider)
+	if err != nil {
+		return nil, err
+	}
+	cfg.Provider = providerType
+
+	if cfg.Enabled {
+		if providerType == "aliyun" {
+			if strings.TrimSpace(cfg.AccessKeyID) == "" ||
+				strings.TrimSpace(existingSecret) == "" ||
+				strings.TrimSpace(cfg.SignName) == "" ||
+				strings.TrimSpace(cfg.LoginTemplateCode) == "" {
+				return nil, ErrSMSConfigInvalid
+			}
+		}
+	}
+
+	encSecret, err := r.encryptSecret(existingSecret)
+	if err != nil {
+		return nil, fmt.Errorf("加密短信密钥失败: %w", err)
+	}
+	cfg.AccessKeySecret = encSecret
+
+	bytes, err := json.Marshal(cfg)
+	if err != nil {
+		return nil, err
+	}
+	row.SMSConfigJSON = string(bytes)
+	if err := r.db.WithContext(ctx).Model(&row).Update("sms_config_json", row.SMSConfigJSON).Error; err != nil {
+		return nil, err
+	}
+
+	r.evictSiteInfoCache(ctx, &row)
+
+	dtoCfg := *cfg
+	dtoCfg.AccessKeySecret = existingSecret
+	return dtoCfg.ToDTO(), nil
+}
+
 func ruleDTO(row model.DistributionRuleVersion) RuleDTO {
 	return RuleDTO{ID: row.ID, SiteID: row.SiteID, Mode: row.Mode, Version: row.Version, Status: row.Status, PlatformReceiveRatio: row.PlatformReceiveRatio, PlatformSellRatio: row.PlatformSellRatio, DistributorReceiveRatio: row.DistributorReceiveRatio, DistributorSellRatio: row.DistributorSellRatio, DistributorARatio: row.DistributorARatio, DistributorBRatio: row.DistributorBRatio, ServiceFeeValue: row.ServiceFeeValue, ServiceFeeUnit: row.ServiceFeeUnit, PaymentFeeBPS: row.PaymentFeeBPS, TaxEnabled: row.TaxEnabled, TaxRateBPS: row.TaxRateBPS, EffectiveFrom: row.EffectiveFrom, EffectiveTo: row.EffectiveTo, CreatedBy: row.CreatedBy, CreatedAt: row.CreatedAt}
 }

backend/internal/modules/distribution/service.go

@@ -3,15 +3,18 @@ package distribution
 import (
 	"context"
 	"errors"
+	"strings"
 
+	smsprovider "hfb_sys/backend/internal/integrations/sms"
 	"hfb_sys/backend/internal/modules/auth"
 )
 
 var ErrDependencyUnavailable = errors.New("distribution dependency unavailable")
 
 type Service struct {
-	repo *Repository
-	jwt  *auth.JWTManager
+	repo        *Repository
+	jwt         *auth.JWTManager
+	smsResolver *SMSResolver
 }
 
 func NewService(repo *Repository, jwt ...*auth.JWTManager) *Service {
@@ -22,6 +25,22 @@ func NewService(repo *Repository, jwt ...*auth.JWTManager) *Service {
 	return s
 }
 
+func (s *Service) SetSMSResolver(resolver *SMSResolver) {
+	s.smsResolver = resolver
+}
+
+func (s *Service) SMSResolver() *SMSResolver {
+	return s.smsResolver
+}
+
+// ResolveSMSProvider 实现 auth.SiteSMSProviderResolver 接口
+func (s *Service) ResolveSMSProvider(ctx context.Context, siteCode, domain string) (smsprovider.Provider, error) {
+	if s == nil || s.smsResolver == nil {
+		return nil, nil
+	}
+	return s.smsResolver.ResolveSMSProvider(ctx, siteCode, domain)
+}
+
 func (s *Service) available() error {
 	if s == nil || s.repo == nil {
 		return ErrDependencyUnavailable
@@ -323,3 +342,95 @@ func (s *Service) GetDashboardAnalytics(ctx context.Context, adminID, siteID uin
 	}
 	return s.repo.GetDashboardAnalytics(ctx, adminID, siteID)
 }
+
+func (s *Service) GetSiteSMSConfig(ctx context.Context, adminID, siteID uint64) (*SiteSMSConfigDTO, error) {
+	if err := s.available(); err != nil {
+		return nil, err
+	}
+	return s.repo.GetSiteSMSConfig(ctx, adminID, siteID)
+}
+
+func (s *Service) UpdateSiteSMSConfig(ctx context.Context, adminID, siteID uint64, req UpdateSiteSMSConfigRequest) (*SiteSMSConfigDTO, error) {
+	if err := s.available(); err != nil {
+		return nil, err
+	}
+	dto, err := s.repo.UpdateSiteSMSConfig(ctx, adminID, siteID, req)
+	if err != nil {
+		return nil, err
+	}
+	if s.smsResolver != nil {
+		s.smsResolver.InvalidateCache(siteID)
+	}
+	return dto, nil
+}
+
+func (s *Service) TestSiteSMSConfig(ctx context.Context, adminID, siteID uint64, req TestSiteSMSConfigRequest) error {
+	if err := s.available(); err != nil {
+		return err
+	}
+	if s.smsResolver == nil {
+		return errors.New("sms resolver unavailable")
+	}
+
+	phone := strings.TrimSpace(req.Phone)
+	if phone == "" {
+		return errors.New("测试手机号不能为空")
+	}
+
+	// 先获取当前站点已持久化的配置及已解密的密钥
+	existingCfg, err := s.repo.GetDecryptedSiteSMSConfig(ctx, adminID, siteID)
+	if err != nil {
+		return err
+	}
+
+	// 构造测试配置（优先取请求参数，缺省回退至已有配置）
+	testCfg := SiteSMSConfig{
+		Enabled: true,
+	}
+	if req.Provider != nil && strings.TrimSpace(*req.Provider) != "" {
+		testCfg.Provider = strings.TrimSpace(*req.Provider)
+	} else if existingCfg != nil && existingCfg.Provider != "" {
+		testCfg.Provider = existingCfg.Provider
+	}
+	if req.AccessKeyID != nil && strings.TrimSpace(*req.AccessKeyID) != "" {
+		testCfg.AccessKeyID = strings.TrimSpace(*req.AccessKeyID)
+	} else if existingCfg != nil {
+		testCfg.AccessKeyID = existingCfg.AccessKeyID
+	}
+	if req.AccessKeySecret != nil && strings.TrimSpace(*req.AccessKeySecret) != "" {
+		testCfg.AccessKeySecret = strings.TrimSpace(*req.AccessKeySecret)
+	} else if existingCfg != nil {
+		testCfg.AccessKeySecret = existingCfg.AccessKeySecret
+	}
+	if req.Endpoint != nil && strings.TrimSpace(*req.Endpoint) != "" {
+		testCfg.Endpoint = strings.TrimSpace(*req.Endpoint)
+	} else if existingCfg != nil {
+		testCfg.Endpoint = existingCfg.Endpoint
+	}
+	if req.SignName != nil && strings.TrimSpace(*req.SignName) != "" {
+		testCfg.SignName = strings.TrimSpace(*req.SignName)
+	} else if existingCfg != nil {
+		testCfg.SignName = existingCfg.SignName
+	}
+	if req.LoginTemplateCode != nil && strings.TrimSpace(*req.LoginTemplateCode) != "" {
+		testCfg.LoginTemplateCode = strings.TrimSpace(*req.LoginTemplateCode)
+	} else if existingCfg != nil {
+		testCfg.LoginTemplateCode = existingCfg.LoginTemplateCode
+	}
+
+	providerType, err := s.repo.validateSMSProvider(testCfg.Provider)
+	if err != nil {
+		return err
+	}
+	testCfg.Provider = providerType
+	if providerType == "aliyun" {
+		if strings.TrimSpace(testCfg.AccessKeyID) == "" ||
+			strings.TrimSpace(testCfg.AccessKeySecret) == "" ||
+			strings.TrimSpace(testCfg.SignName) == "" ||
+			strings.TrimSpace(testCfg.LoginTemplateCode) == "" {
+			return ErrSMSConfigInvalid
+		}
+	}
+
+	return s.smsResolver.TestSendSMS(ctx, siteID, testCfg, phone)
+}

backend/internal/modules/distribution/sms_resolver.go

@@ -0,0 +1,305 @@
+package distribution
+
+import (
+	"context"
+	"crypto/rand"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"math/big"
+	"strings"
+	"sync"
+	"time"
+
+	smsprovider "hfb_sys/backend/internal/integrations/sms"
+	"hfb_sys/backend/internal/model"
+
+	"go.uber.org/zap"
+	"gorm.io/gorm"
+)
+
+var (
+	ErrSMSConfigInvalid   = errors.New("分销短信配置不完整")
+	ErrSMSTestRateLimited = errors.New("测试短信发送过于频繁，请稍后再试")
+	ErrSMSSendFailed      = errors.New("短信服务商发送失败，请检查配置与通道额度")
+)
+
+// SiteSMSConfig 是分销站点独立短信服务商的持久化配置结构
+type SiteSMSConfig struct {
+	Enabled           bool   `json:"enabled"`
+	Provider          string `json:"provider"` // 默认 "aliyun"
+	AccessKeyID       string `json:"access_key_id"`
+	AccessKeySecret   string `json:"access_key_secret"`
+	Endpoint          string `json:"endpoint,omitempty"`
+	SignName          string `json:"sign_name"`
+	LoginTemplateCode string `json:"login_template_code"`
+}
+
+// MaskSecret 对敏感密钥进行掩码脱敏
+func MaskSecret(secret string) string {
+	s := strings.TrimSpace(secret)
+	if s == "" {
+		return ""
+	}
+	if len(s) <= 6 {
+		return "******"
+	}
+	return s[:3] + "******" + s[len(s)-3:]
+}
+
+// ToDTO 将持久化结构转换为对外展示的 DTO（脱敏密钥）
+func (c *SiteSMSConfig) ToDTO() *SiteSMSConfigDTO {
+	if c == nil {
+		return &SiteSMSConfigDTO{}
+	}
+	hasSecret := strings.TrimSpace(c.AccessKeySecret) != ""
+	return &SiteSMSConfigDTO{
+		Enabled:           c.Enabled,
+		Provider:          c.Provider,
+		AccessKeyID:       c.AccessKeyID,
+		MaskedSecret:      MaskSecret(c.AccessKeySecret),
+		HasSecret:         hasSecret,
+		Endpoint:          c.Endpoint,
+		SignName:          c.SignName,
+		LoginTemplateCode: c.LoginTemplateCode,
+	}
+}
+
+// ParseSiteSMSConfig 从 JSON 文本解析短信配置
+func ParseSiteSMSConfig(raw string) (*SiteSMSConfig, error) {
+	raw = strings.TrimSpace(raw)
+	if raw == "" {
+		return &SiteSMSConfig{}, nil
+	}
+	var cfg SiteSMSConfig
+	if err := json.Unmarshal([]byte(raw), &cfg); err != nil {
+		return nil, err
+	}
+	return &cfg, nil
+}
+
+// BuildProvider 根据站点短信配置构造对应的 smsprovider.Provider
+func BuildProvider(cfg SiteSMSConfig, logger *zap.Logger) (smsprovider.Provider, error) {
+	if !cfg.Enabled {
+		return nil, nil
+	}
+
+	providerType := strings.ToLower(strings.TrimSpace(cfg.Provider))
+	if providerType == "" {
+		providerType = "aliyun"
+	}
+
+	switch providerType {
+	case "aliyun":
+		if strings.TrimSpace(cfg.AccessKeyID) == "" ||
+			strings.TrimSpace(cfg.AccessKeySecret) == "" ||
+			strings.TrimSpace(cfg.SignName) == "" ||
+			strings.TrimSpace(cfg.LoginTemplateCode) == "" {
+			return nil, ErrSMSConfigInvalid
+		}
+		endpoint := strings.TrimSpace(cfg.Endpoint)
+		if endpoint == "" {
+			endpoint = "dysmsapi.aliyuncs.com"
+		}
+		return smsprovider.NewAliyunProvider(smsprovider.AliyunConfig{
+			AccessKeyID:       strings.TrimSpace(cfg.AccessKeyID),
+			AccessKeySecret:   strings.TrimSpace(cfg.AccessKeySecret),
+			Endpoint:          endpoint,
+			SignName:          strings.TrimSpace(cfg.SignName),
+			LoginTemplateCode: strings.TrimSpace(cfg.LoginTemplateCode),
+		}, logger)
+	case "mock":
+		return smsprovider.NewMockProvider(logger), nil
+	default:
+		return nil, fmt.Errorf("不支持的短信服务商: %s", cfg.Provider)
+	}
+}
+
+// SMSResolver 管理分销站点的 SMS Provider 实例与缓存
+type SMSResolver struct {
+	repo         *Repository
+	logger       *zap.Logger
+	mu           sync.RWMutex
+	providers    map[uint64]smsprovider.Provider
+	testCooldown sync.Map
+}
+
+func NewSMSResolver(repo *Repository, logger *zap.Logger) *SMSResolver {
+	return &SMSResolver{
+		repo:      repo,
+		logger:    logger,
+		providers: make(map[uint64]smsprovider.Provider),
+	}
+}
+
+// InvalidateCache 清除特定站点的 Provider 缓存（配置更新时调用）
+func (r *SMSResolver) InvalidateCache(siteID uint64) {
+	r.mu.Lock()
+	defer r.mu.Unlock()
+	delete(r.providers, siteID)
+}
+
+// ResolveSMSProvider 根据 siteCode 或 domain 解析分销站点专属的 SMS Provider。
+// 若分销站点未启用自定义短信或配置不完整，则返回 nil，调用方将优雅降级为主站默认 Provider。
+func (r *SMSResolver) ResolveSMSProvider(ctx context.Context, siteCode, domain string) (smsprovider.Provider, error) {
+	if r == nil || r.repo == nil {
+		return nil, nil
+	}
+
+	siteCode = strings.TrimSpace(siteCode)
+	domain = strings.TrimSpace(domain)
+	if siteCode == "" && domain == "" {
+		return nil, nil
+	}
+
+	site, err := r.repo.FindActiveSiteByCodeOrDomain(ctx, siteCode, domain)
+	if err != nil {
+		if errors.Is(err, ErrSiteNotFound) {
+			return nil, nil
+		}
+		return nil, err
+	}
+	if site == nil || strings.TrimSpace(site.SMSConfigJSON) == "" {
+		return nil, nil
+	}
+
+	cfg, err := ParseSiteSMSConfig(site.SMSConfigJSON)
+	if err != nil || cfg == nil || !cfg.Enabled {
+		return nil, nil
+	}
+
+	// 检查内存缓存
+	r.mu.RLock()
+	p, ok := r.providers[site.ID]
+	r.mu.RUnlock()
+	if ok && p != nil {
+		return p, nil
+	}
+
+	// 解密 AccessKeySecret；解密失败说明密钥轮换或密文损坏，回退主站并留下告警
+	plainSecret, decErr := r.repo.decryptSecret(cfg.AccessKeySecret)
+	if decErr != nil {
+		if r.logger != nil {
+			r.logger.Warn("解密分销站点短信密钥失败，将回退至主站默认配置",
+				zap.Uint64("site_id", site.ID),
+				zap.String("site_code", site.SiteCode),
+				zap.Error(decErr),
+			)
+		}
+		return nil, nil
+	}
+	cfg.AccessKeySecret = plainSecret
+
+	// 实例化 Provider 并写入缓存
+	provider, err := BuildProvider(*cfg, r.logger)
+	if err != nil {
+		if r.logger != nil {
+			r.logger.Warn("分销站点自定义短信配置无效，将回退至主站默认配置",
+				zap.Uint64("site_id", site.ID),
+				zap.String("site_code", site.SiteCode),
+				zap.Error(err),
+			)
+		}
+		return nil, nil
+	}
+
+	r.mu.Lock()
+	r.providers[site.ID] = provider
+	r.mu.Unlock()
+
+	return provider, nil
+}
+
+// TestSendSMS 使用给定的短信配置，向指定手机号发送一条测试验证码以检验连通性
+func (r *SMSResolver) TestSendSMS(ctx context.Context, siteID uint64, cfg SiteSMSConfig, phone string) error {
+	phone = strings.TrimSpace(phone)
+	if phone == "" {
+		return errors.New("手机号不能为空")
+	}
+
+	// 60秒频控检查（优先走 Redis 分布式 TTL，缺省回退进程内限流）
+	redisKey := fmt.Sprintf("hfb:dist:sms:test_cooldown:%d:%s", siteID, phone)
+	memKey := fmt.Sprintf("%d:%s", siteID, phone)
+	useRedis := r.repo != nil && r.repo.redis != nil
+	if useRedis {
+		ok, err := r.repo.redis.SetNX(ctx, redisKey, "1", 60*time.Second).Result()
+		if err == nil && !ok {
+			return ErrSMSTestRateLimited
+		}
+	} else {
+		if lastVal, ok := r.testCooldown.Load(memKey); ok {
+			if lastTime, isTime := lastVal.(time.Time); isTime && time.Since(lastTime) < 60*time.Second {
+				return ErrSMSTestRateLimited
+			}
+		}
+	}
+
+	cfg.Enabled = true // 测试模式强制启用以检验
+	provider, err := BuildProvider(cfg, r.logger)
+	if err != nil {
+		if useRedis {
+			_ = r.repo.redis.Del(ctx, redisKey).Err()
+		}
+		return err
+	}
+
+	// 生成 6 位加密随机验证码
+	n, randErr := rand.Int(rand.Reader, big.NewInt(900000))
+	var codeVal int64 = 123456
+	if randErr == nil {
+		codeVal = n.Int64() + 100000
+	}
+	testCode := fmt.Sprintf("%06d", codeVal)
+
+	if err := provider.SendLoginCode(ctx, phone, testCode); err != nil {
+		if useRedis {
+			_ = r.repo.redis.Del(ctx, redisKey).Err()
+		} else {
+			r.testCooldown.Delete(memKey)
+		}
+		if r.logger != nil {
+			r.logger.Warn("测试短信发送失败",
+				zap.Uint64("site_id", siteID),
+				zap.String("phone", phone),
+				zap.Error(err),
+			)
+		}
+		return ErrSMSSendFailed
+	}
+
+	if !useRedis {
+		r.testCooldown.Store(memKey, time.Now())
+	}
+	return nil
+}
+
+// FindActiveSiteByCodeOrDomain 查询状态为 active 的分销站点实体
+func (r *Repository) FindActiveSiteByCodeOrDomain(ctx context.Context, code, domain string) (*model.DistributionSite, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+
+	code = strings.TrimSpace(code)
+	domain = strings.TrimSpace(domain)
+	if code == "" && domain == "" {
+		return nil, ErrSiteNotFound
+	}
+
+	var site model.DistributionSite
+	query := r.db.WithContext(ctx).Where("status = 'active'")
+	if code != "" && domain != "" {
+		query = query.Where("site_code = ? OR domain = ?", code, domain)
+	} else if code != "" {
+		query = query.Where("site_code = ?", code)
+	} else {
+		query = query.Where("domain = ?", domain)
+	}
+
+	if err := query.First(&site).Error; err != nil {
+		if errors.Is(err, gorm.ErrRecordNotFound) {
+			return nil, ErrSiteNotFound
+		}
+		return nil, err
+	}
+	return &site, nil
+}

backend/internal/modules/distribution/sms_resolver_test.go

@@ -0,0 +1,396 @@
+package distribution
+
+import (
+	"errors"
+	"strings"
+	"testing"
+
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/pkg/crypto"
+
+	"go.uber.org/zap"
+)
+
+func TestMaskSecret(t *testing.T) {
+	cases := []struct {
+		input string
+		want  string
+	}{
+		{"", ""},
+		{"123", "******"},
+		{"123456", "******"},
+		{"1234567", "123******567"},
+		{"LTAI5tSecret123", "LTA******123"},
+	}
+	for _, c := range cases {
+		got := MaskSecret(c.input)
+		if got != c.want {
+			t.Errorf("MaskSecret(%q) = %q, want %q", c.input, got, c.want)
+		}
+	}
+}
+
+func TestBuildProvider(t *testing.T) {
+	logger := zap.NewNop()
+
+	// 1. mock provider
+	mockCfg := SiteSMSConfig{
+		Enabled:  true,
+		Provider: "mock",
+	}
+	provider, err := BuildProvider(mockCfg, logger)
+	if err != nil || provider == nil {
+		t.Fatalf("expected mock provider, got err: %v, provider: %v", err, provider)
+	}
+
+	// 2. aliyun missing fields
+	invalidAliyunCfg := SiteSMSConfig{
+		Enabled:     true,
+		Provider:    "aliyun",
+		AccessKeyID: "id",
+	}
+	_, err = BuildProvider(invalidAliyunCfg, logger)
+	if err != ErrSMSConfigInvalid {
+		t.Fatalf("expected ErrSMSConfigInvalid, got: %v", err)
+	}
+
+	// 3. disabled returns nil
+	disabledCfg := SiteSMSConfig{
+		Enabled:  false,
+		Provider: "mock",
+	}
+	p, err := BuildProvider(disabledCfg, logger)
+	if err != nil || p != nil {
+		t.Fatalf("expected nil provider for disabled, got %v, %v", p, err)
+	}
+}
+
+func TestSMSResolver_ResolveAndInvalidate(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db, nil)
+	resolver := NewSMSResolver(repo, zap.NewNop())
+
+	ctx := t.Context()
+
+	// 1. 站点未配置短信 -> 返回 nil (回退主站)
+	siteNoSMS := model.DistributionSite{
+		SiteCode: "site_no_sms",
+		SiteName: "无短信站",
+		Domain:   "nosms.com",
+		Status:   "active",
+	}
+	if err := db.Create(&siteNoSMS).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	p, err := resolver.ResolveSMSProvider(ctx, "site_no_sms", "")
+	if err != nil || p != nil {
+		t.Fatalf("expected nil provider for unconfigured site, got %v, %v", p, err)
+	}
+
+	// 2. 站点配置了 mock 自定义短信并启用
+	mockJSON := `{"enabled":true,"provider":"mock","sign_name":"【分站签名】","login_template_code":"SMS_001"}`
+	siteWithSMS := model.DistributionSite{
+		SiteCode:      "site_with_sms",
+		SiteName:      "独立短信站",
+		Domain:        "customsms.com",
+		Status:        "active",
+		SMSConfigJSON: mockJSON,
+	}
+	if err := db.Create(&siteWithSMS).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	// 通过 siteCode 解析
+	p1, err := resolver.ResolveSMSProvider(ctx, "site_with_sms", "")
+	if err != nil || p1 == nil {
+		t.Fatalf("expected resolved mock provider, got %v, err=%v", p1, err)
+	}
+
+	// 通过 domain 解析
+	p2, err := resolver.ResolveSMSProvider(ctx, "", "customsms.com")
+	if err != nil || p2 == nil {
+		t.Fatalf("expected resolved mock provider by domain, got %v, err=%v", p2, err)
+	}
+
+	// 验证缓存命中
+	if p1 != p2 {
+		t.Fatalf("expected same cached provider instance")
+	}
+
+	// 3. 清理缓存后重新解析
+	resolver.InvalidateCache(siteWithSMS.ID)
+	if len(resolver.providers) != 0 {
+		t.Fatalf("expected empty cache after InvalidateCache")
+	}
+}
+
+func TestRepository_GetAndUpdateSiteSMSConfig(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db, nil)
+	ctx := t.Context()
+
+	site := model.DistributionSite{
+		SiteCode: "site_cfg_test",
+		SiteName: "配置测试站",
+		Domain:   "cfg.com",
+		Status:   "active",
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	// 1. 获取初始配置（空）
+	dto, err := repo.GetSiteSMSConfig(ctx, 0, site.ID)
+	if err != nil {
+		t.Fatalf("GetSiteSMSConfig failed: %v", err)
+	}
+	if dto.Enabled || dto.HasSecret {
+		t.Fatalf("expected default empty config, got %+v", dto)
+	}
+
+	// 2. 更新配置（包含密钥）
+	enabled := true
+	provider := "aliyun"
+	ak := "LTAI_TEST_KEY"
+	secret := "SECRET_TEST_998877"
+	sign := "【我的分站】"
+	template := "SMS_12345"
+	updated, err := repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		Enabled:           &enabled,
+		Provider:          &provider,
+		AccessKeyID:       &ak,
+		AccessKeySecret:   &secret,
+		SignName:          &sign,
+		LoginTemplateCode: &template,
+	})
+	if err != nil {
+		t.Fatalf("UpdateSiteSMSConfig failed: %v", err)
+	}
+	if !updated.Enabled || !updated.HasSecret || updated.SignName != sign {
+		t.Fatalf("expected updated config, got %+v", updated)
+	}
+	if updated.MaskedSecret == secret {
+		t.Fatalf("secret should be masked in DTO")
+	}
+
+	// 3. 再次更新，不传 AccessKeySecret（留空），应保留原密钥
+	newSign := "【更新后的签名】"
+	emptySecret := ""
+	updated2, err := repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		SignName:        &newSign,
+		AccessKeySecret: &emptySecret,
+	})
+	if err != nil {
+		t.Fatalf("UpdateSiteSMSConfig failed: %v", err)
+	}
+	if updated2.SignName != newSign {
+		t.Fatalf("SignName not updated: %s", updated2.SignName)
+	}
+	if !updated2.HasSecret {
+		t.Fatalf("existing secret should be preserved when updating with empty secret")
+	}
+
+	// 4. 验证从 SiteDTO 获取时不泄露 SMSConfig（已隔离）
+	foundSite, err := repo.FindSite(ctx, 0, site.ID)
+	if err != nil {
+		t.Fatal(err)
+	}
+	_ = foundSite
+
+	// 5. 验证内部解密读取方法能够解密原密钥
+	decryptedCfg, err := repo.GetDecryptedSiteSMSConfig(ctx, 0, site.ID)
+	if err != nil {
+		t.Fatalf("GetDecryptedSiteSMSConfig failed: %v", err)
+	}
+	if decryptedCfg.AccessKeySecret != secret {
+		t.Fatalf("expected decrypted secret %q, got %q", secret, decryptedCfg.AccessKeySecret)
+	}
+
+	// 6. 验证开启状态下缺少必填项时拦截报错
+	emptySign := ""
+	_, err = repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		SignName: &emptySign,
+	})
+	if !errors.Is(err, ErrSMSConfigInvalid) {
+		t.Fatalf("expected ErrSMSConfigInvalid when required field is empty, got %v", err)
+	}
+}
+
+func TestSMSResolver_TestSendSMS(t *testing.T) {
+	resolver := NewSMSResolver(nil, zap.NewNop())
+	ctx := t.Context()
+
+	// 1. 空手机号报错
+	err := resolver.TestSendSMS(ctx, 1, SiteSMSConfig{}, "")
+	if err == nil {
+		t.Fatal("expected error for empty phone")
+	}
+
+	// 2. mock provider 测试发送成功
+	err = resolver.TestSendSMS(ctx, 1, SiteSMSConfig{
+		Provider: "mock",
+	}, "13800138000")
+	if err != nil {
+		t.Fatalf("expected success for mock provider test send, got %v", err)
+	}
+
+	// 3. 60秒内同站点同手机号触发频控限制
+	err = resolver.TestSendSMS(ctx, 1, SiteSMSConfig{
+		Provider: "mock",
+	}, "13800138000")
+	if !errors.Is(err, ErrSMSTestRateLimited) {
+		t.Fatalf("expected ErrSMSTestRateLimited on immediate repeat test, got %v", err)
+	}
+}
+
+func TestRepository_SMSConfigEncryptionAtRest(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db, nil)
+
+	// 使用 32 字节 AES 密钥构建 FieldEncryptor
+	encryptor, err := crypto.NewFieldEncryptor("0123456789abcdef0123456789abcdef")
+	if err != nil {
+		t.Fatalf("failed to create field encryptor: %v", err)
+	}
+	repo.SetEncryptor(encryptor)
+	ctx := t.Context()
+
+	site := model.DistributionSite{
+		SiteCode: "site_enc_test",
+		SiteName: "加密测试站",
+		Domain:   "enctest.com",
+		Status:   "active",
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	// 1. 验证写入非法 provider 被拒绝
+	badProvider := "tencent"
+	_, err = repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		Provider: &badProvider,
+	})
+	if !errors.Is(err, ErrSMSConfigInvalid) {
+		t.Fatalf("expected ErrSMSConfigInvalid for unapproved provider, got %v", err)
+	}
+
+	// 2. 写入合法 Aliyun 配置
+	enabled := true
+	provider := "aliyun"
+	ak := "LTAI_PLAINTEXT_ID"
+	secret := "SUPER_SECRET_KEY_999888"
+	sign := "【测试加固】"
+	template := "SMS_666777"
+	updated, err := repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		Enabled:           &enabled,
+		Provider:          &provider,
+		AccessKeyID:       &ak,
+		AccessKeySecret:   &secret,
+		SignName:          &sign,
+		LoginTemplateCode: &template,
+	})
+	if err != nil {
+		t.Fatalf("UpdateSiteSMSConfig failed: %v", err)
+	}
+	if !updated.HasSecret || updated.MaskedSecret == secret {
+		t.Fatalf("expected secret masked in DTO: %+v", updated)
+	}
+
+	// 3. 直接查底层 DB 原始数据，断言落库 JSON 绝不含明文 secret
+	var rawSite model.DistributionSite
+	if err := db.First(&rawSite, site.ID).Error; err != nil {
+		t.Fatal(err)
+	}
+	if strings.Contains(rawSite.SMSConfigJSON, secret) {
+		t.Fatalf("CRITICAL: raw database JSON contains plaintext secret! JSON=%s", rawSite.SMSConfigJSON)
+	}
+
+	// 4. 读取解密配置，断言可精准还原明文
+	decryptedCfg, err := repo.GetDecryptedSiteSMSConfig(ctx, 0, site.ID)
+	if err != nil {
+		t.Fatalf("GetDecryptedSiteSMSConfig failed: %v", err)
+	}
+	if decryptedCfg.AccessKeySecret != secret {
+		t.Fatalf("decrypted secret mismatch: got %q, want %q", decryptedCfg.AccessKeySecret, secret)
+	}
+
+	// 5. SMSResolver 能正确使用该站点 provider
+	resolver := NewSMSResolver(repo, zap.NewNop())
+	p, err := resolver.ResolveSMSProvider(ctx, "site_enc_test", "")
+	if err != nil || p == nil {
+		t.Fatalf("expected resolved aliyun provider, got %v, err=%v", p, err)
+	}
+}
+
+func TestRepository_SMSConfigDecryptFailure(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db, nil)
+
+	encryptor, err := crypto.NewFieldEncryptor("0123456789abcdef0123456789abcdef")
+	if err != nil {
+		t.Fatalf("failed to create field encryptor: %v", err)
+	}
+	repo.SetEncryptor(encryptor)
+	ctx := t.Context()
+
+	// 直接写入一段无法解密的密文，模拟密钥轮换/密文损坏
+	corrupted := `{"enabled":true,"provider":"mock","access_key_secret":"@@not-a-valid-cipher@@"}`
+	site := model.DistributionSite{
+		SiteCode:      "site_bad_cipher",
+		SiteName:      "损坏密文站",
+		Domain:        "badcipher.com",
+		Status:        "active",
+		SMSConfigJSON: corrupted,
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	// 1. 管理侧读取应显式报错，而不是把密文当明文返回
+	if _, err := repo.GetDecryptedSiteSMSConfig(ctx, 0, site.ID); err == nil {
+		t.Fatal("expected decrypt error for corrupted ciphertext, got nil")
+	}
+
+	// 2. 登录链路应优雅降级：返回 nil provider（回退主站）而不是抛错
+	resolver := NewSMSResolver(repo, zap.NewNop())
+	p, err := resolver.ResolveSMSProvider(ctx, "site_bad_cipher", "")
+	if err != nil || p != nil {
+		t.Fatalf("expected graceful fallback to nil provider, got %v, err=%v", p, err)
+	}
+}
+
+func TestRepository_SMSProviderWhitelist(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db, nil) // 默认不允许 mock（生产语义）
+	ctx := t.Context()
+
+	site := model.DistributionSite{
+		SiteCode: "site_provider_wl",
+		SiteName: "服务商白名单站",
+		Domain:   "providerwl.com",
+		Status:   "active",
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	enabled := true
+	mockProvider := "mock"
+	// 1. 默认环境下 mock 被拒绝
+	if _, err := repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		Enabled:  &enabled,
+		Provider: &mockProvider,
+	}); !errors.Is(err, ErrSMSConfigInvalid) {
+		t.Fatalf("expected ErrSMSConfigInvalid for mock in production semantics, got %v", err)
+	}
+
+	// 2. 非生产环境显式放行后 mock 可用
+	repo.SetAllowMockSMS(true)
+	if _, err := repo.UpdateSiteSMSConfig(ctx, 0, site.ID, UpdateSiteSMSConfigRequest{
+		Enabled:  &enabled,
+		Provider: &mockProvider,
+	}); err != nil {
+		t.Fatalf("expected mock provider to be accepted when allowed, got %v", err)
+	}
+}

backend/internal/router/router.go

@@ -317,8 +317,17 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	var distributionRepo *distribution.Repository
 	if deps.DB != nil {
 		distributionRepo = distribution.NewRepository(deps.DB, deps.Redis)
+		distributionRepo.SetEncryptor(fieldEncryptor)
+		distributionRepo.SetAllowMockSMS(!config.IsProductionEnv(cfg.AppEnv))
 	}
 	distributionService := distribution.NewService(distributionRepo, jwtManager)
+	if distributionRepo != nil {
+		distributionResolver := distribution.NewSMSResolver(distributionRepo, logger)
+		distributionService.SetSMSResolver(distributionResolver)
+		if authService != nil {
+			authService.SetSiteSMSResolver(distributionService)
+		}
+	}
 	distributionHandler := distribution.NewHandler(distributionService)
 	backupMonitorHandler := backupmonitor.NewHandler(cfg.BackupStatusFile)
 	var adminRoleRepo *adminrole.Repository
@@ -647,6 +656,9 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 			adminRoutes.POST("/distribution/sites/:id/sync-accounts", requirePerm("distribution:account_display"), distributionHandler.SyncSiteAccounts)
 			adminRoutes.PUT("/distribution/sites/:id", requirePerm("distribution:site_manage"), distributionHandler.UpdateSite)
 			adminRoutes.PUT("/distribution/sites/:id/branding", requirePerm("distribution:site_manage"), distributionHandler.UpdateSiteBranding)
+			adminRoutes.GET("/distribution/sites/:id/sms-config", requirePerm("distribution:site_view"), distributionHandler.GetSiteSMSConfig)
+			adminRoutes.PUT("/distribution/sites/:id/sms-config", requirePerm("distribution:site_manage"), distributionHandler.UpdateSiteSMSConfig)
+			adminRoutes.POST("/distribution/sites/:id/sms-config/test", requirePerm("distribution:site_manage"), distributionHandler.TestSiteSMSConfig)
 			adminRoutes.GET("/distribution/sites/:id/wallet", requirePerm("distribution:settlement_view"), distributionHandler.GetSiteWallet)
 			adminRoutes.POST("/distribution/sites/:id/withdrawals", requirePerm("distribution:settlement_manage"), distributionHandler.ApplySiteWithdrawal)
 			adminRoutes.GET("/distribution/sites/:id/withdrawals", requirePerm("distribution:settlement_view"), distributionHandler.ListSiteWithdrawals)

backend/migrations/000071_distribution_site_sms_config.sql

@@ -0,0 +1,10 @@
+-- +goose Up
+
+-- 分销站点自定义短信配置（JSON格式存储服务商、AccessKey、签名、模板Code等）
+ALTER TABLE distribution_sites
+  ADD COLUMN sms_config_json TEXT NULL COMMENT '分销站点独立短信服务商配置JSON' AFTER listing_qrcode_url;
+
+-- +goose Down
+
+ALTER TABLE distribution_sites
+  DROP COLUMN sms_config_json;