feat(fulfillment): 增加统一结算与多渠道人工履约

apps/frontend/src/pages/admin/AdminFulfillmentChannelPage.tsx

@@ -68,6 +68,7 @@ const CHANNEL_OPTIONS = [
   { value: 'affiliate_dash', label: '自动发货' },
   { value: 'third_party_voucher', label: '第三方卡券' },
   { value: 'manual', label: '人工客服' },
+  { value: 'on_account', label: '统一结算' },
 ]
 
 const CHANNEL_COLOR: Record<string, string> = {
@@ -75,6 +76,7 @@ const CHANNEL_COLOR: Record<string, string> = {
   affiliate_dash: 'green',
   third_party_voucher: 'purple',
   manual: 'orange',
+  on_account: 'gold',
 }
 
 const CHANNEL_SOURCE_LABEL: Record<string, string> = {
@@ -133,6 +135,7 @@ function PendingPanel() {
   const [page, setPage] = useState(1)
   const [pageSize, setPageSize] = useState(ADMIN_DEFAULT_PAGE_SIZE)
   const [selections, setSelections] = useState<Record<string, string>>({})
+  const [internalSkuDrafts, setInternalSkuDrafts] = useState<Record<string, string>>({})
 
   const query = useQuery({
     queryKey: ['fulfillment-pending', keyword, page, pageSize],
@@ -142,16 +145,26 @@ function PendingPanel() {
   const assignMutation = useMutation({
     mutationFn: (row: PendingChannelGroup) =>
       assignChannelByInternalSku({
-        internalSku: row.internal_sku,
+        groupKey: row.group_key,
+        internalSku: row.internal_sku || '',
+        mappedInternalSku: row.internal_sku
+          ? ''
+          : String(internalSkuDrafts[rowKey(row)] || '').trim(),
         channel: selections[rowKey(row)] || '',
       }),
     onSuccess: (result) => {
+      const productMessage = result.data.draftProductId ? '和标准商品' : ''
       if (result.data.carrierFailed > 0) {
+        const firstFailure = result.data.carrierFailures?.[0]
         message.warning(
-          `已指定 ${result.data.updated} 个订单项，${result.data.carrierFailed} 个因载体创建失败仍待处理`,
+          `渠道${productMessage}已保存，${result.data.carrierFailed} 个订单项仍待补配置${
+            firstFailure?.message ? `：${firstFailure.message}` : ''
+          }`,
         )
       } else {
-        message.success(`已指定 ${result.data.updated} 个订单项`)
+        message.success(
+          `已指定 ${result.data.updated} 个订单项${productMessage ? `并创建${productMessage.slice(1)}` : ''}`,
+        )
       }
       void queryClient.invalidateQueries({ queryKey: ['fulfillment-pending'] })
     },
@@ -183,7 +196,7 @@ function PendingPanel() {
 
   const retryCarrierMutation = useMutation({
     mutationFn: (row: PendingChannelGroup) =>
-      retryPendingCarriers({ internalSku: row.internal_sku }),
+      retryPendingCarriers({ internalSku: row.internal_sku || '' }),
     onSuccess: (result) => {
       const data = result.data
       const detail = [
@@ -205,11 +218,11 @@ function PendingPanel() {
 
   const deleteMutation = useMutation({
     mutationFn: (row: PendingChannelGroup) =>
-      deletePendingChannelGroup({ internalSku: row.internal_sku }),
+      deletePendingChannelGroup({ groupKey: row.group_key }),
     onSuccess: (result) => {
       const data = result.data
       message.success(
-        `已删除 ${data.archivedItems} 个待分类订单项，原始订单保留；财务事实已重算 ${data.refreshedDays} 天`,
+        `已忽略归档 ${data.archivedItems} 个待分类订单项，原始订单保留；财务事实已重算 ${data.refreshedDays} 天`,
       )
       void queryClient.invalidateQueries({ queryKey: ['fulfillment-pending'] })
       void queryClient.invalidateQueries({ queryKey: ['fulfillment-exceptions'] })
@@ -261,9 +274,23 @@ function PendingPanel() {
       title: '内部SKU',
       dataIndex: 'internal_sku',
       width: 220,
-      render: (value: string, row: PendingChannelGroup) => (
-        <Space direction="vertical" size={2}>
-          <Typography.Text delete={!value}>{value || '未识别内部 SKU'}</Typography.Text>
+      render: (value: string | null, row: PendingChannelGroup) => (
+        <Space direction="vertical" size={4}>
+          {value ? (
+            <Typography.Text>{value}</Typography.Text>
+          ) : (
+            <Input
+              size="small"
+              placeholder="填写内部 SKU"
+              value={internalSkuDrafts[rowKey(row)] || ''}
+              onChange={(event) =>
+                setInternalSkuDrafts((current) => ({
+                  ...current,
+                  [rowKey(row)]: event.target.value,
+                }))
+              }
+            />
+          )}
           {row.configured_channels?.length ? (
             <Space size={2} wrap>
               {row.configured_channels.map((channel) => (
@@ -345,7 +372,9 @@ function PendingPanel() {
           <Select
             size="small"
             style={{ width: 180 }}
-            placeholder="选择渠道"
+            placeholder={
+              row.internal_sku || internalSkuDrafts[rowKey(row)] ? '选择渠道' : '先补内部 SKU'
+            }
             options={CHANNEL_OPTIONS}
             value={selections[rowKey(row)]}
             onChange={(value) => setSelections((prev) => ({ ...prev, [rowKey(row)]: value }))}
@@ -353,11 +382,14 @@ function PendingPanel() {
           <Button
             size="small"
             type="primary"
-            disabled={!selections[rowKey(row)]}
+            disabled={
+              (!row.internal_sku && !String(internalSkuDrafts[rowKey(row)] || '').trim()) ||
+              !selections[rowKey(row)]
+            }
             loading={assignMutation.isPending}
             onClick={() => assignMutation.mutate(row)}
           >
-            指定
+            保存渠道
           </Button>
           {row.configured_channels?.length ? (
             <Tooltip title="重新确认渠道并补建工单或自动发货任务">
@@ -371,26 +403,26 @@ function PendingPanel() {
               </Button>
             </Tooltip>
           ) : null}
-          <Tooltip title="删除待分类记录，不删除原始订单">
+          <Tooltip title="从待办中忽略并归档，不删除原始订单">
             <Button
               danger
               icon={<DeleteOutlined />}
               loading={deleteMutation.isPending}
               onClick={() =>
                 Modal.confirm({
-                  title: '删除待分类记录',
+                  title: '忽略并归档待分类记录',
                   content: (
                     <div>
                       <p>
-                        将归档 <strong>{row.item_count}</strong> 个订单项，并清除已生成的成本快照、
-                        分类异常，重算对应销售事实与总账。
+                        将从待办中归档 <strong>{row.item_count}</strong> 个订单项，并清除已生成的
+                        派生成本快照、分类异常；可重建的财务事实会按开放期间重算。
                       </p>
                       <p style={{ marginBottom: 0 }}>
-                        原始订单和订单商品不会被删除；已关账期间禁止删除。
+                        原始订单和订单商品不会删除；已关账期间只跳过重算，不再阻止归档。
                       </p>
                     </div>
                   ),
-                  okText: '确认删除',
+                  okText: '确认归档',
                   okButtonProps: { danger: true },
                   cancelText: '取消',
                   onOk: () => deleteMutation.mutateAsync(row),
@@ -441,7 +473,7 @@ function PendingPanel() {
         type="warning"
         showIcon
         style={{ marginBottom: 12 }}
-        message="删除只会归档对应订单项并清理财务成本记录，不会删除原始订单。配置错误优先修正模板/映射后重试匹配；确认无需履约或核算时，可直接删除。"
+        message="指定渠道会先保存渠道和草稿标准商品；载体或成本未配置时会继续留在队列中。忽略归档只影响派生流程，不删除原始订单。"
       />
       <PercentTable
         rowKey={(row) => rowKey(row)}
@@ -1196,7 +1228,7 @@ function PipelinesPanel() {
 }
 
 function rowKey(row: PendingChannelGroup) {
-  return row.internal_sku
+  return row.group_key
 }
 
 function formatCarrierParams(row: ChannelRule) {

apps/frontend/src/pages/admin/AdminSalesProfitPage.tsx

@@ -40,6 +40,7 @@ const FULFILLMENT_MODE_OPTIONS = [
   { value: 'affiliate_dash', label: '自动发货' },
   { value: 'third_party_voucher', label: '第三方卡券' },
   { value: 'manual', label: '人工客服' },
+  { value: 'on_account', label: '统一结算' },
   { value: 'unclassified', label: '未分类' },
   { value: 'archived', label: '历史归档' },
 ]
@@ -49,6 +50,7 @@ const FULFILLMENT_MODE_LABEL: Record<string, string> = {
   affiliate_dash: '自动发货',
   third_party_voucher: '第三方卡券',
   manual: '人工客服',
+  on_account: '统一结算',
   archived: '历史归档',
   unclassified: '未分类',
 }

apps/frontend/src/pages/admin/cost-center/ManualSkuConfigPanel.tsx

@@ -13,6 +13,8 @@
 import {
   DeleteOutlined,
   EditOutlined,
+  MinusCircleOutlined,
+  PlusOutlined,
   ReloadOutlined,
   ScanOutlined,
   SyncOutlined,
@@ -50,14 +52,21 @@ import {
   saveAdminManualConfig,
   scanAdminManualSkus,
 } from '@/services/admin'
-import type { ManualSkuItem } from '@/types/admin'
+import type { ManualPlatformKey, ManualSkuItem } from '@/types/admin'
 import { ADMIN_DEFAULT_PAGE_SIZE, buildAdminTablePagination } from '@/utils/admin-pagination'
+import {
+  formatCreditQuantity,
+  formatCreditUnitPriceLabel,
+  formatCreditUnitPriceYuan,
+} from '@/utils/credit-unit-price'
 import dayjs from '@/lib/dayjs'
 import type { Dayjs } from 'dayjs'
 
 type ConfigFormValues = {
-  platformKey: string
-  creditQuantity: number
+  channels: Array<{
+    platformKey: string
+    creditQuantity: number
+  }>
   note?: string
 }
 
@@ -66,13 +75,21 @@ const PLATFORM_TAG_COLORS: Record<string, string> = {
   lewan: 'purple',
   rock: 'cyan',
   fund_cash: 'orange',
+  on_account: 'gold',
 }
 
-/** 按换算率把「消耗单位」翻译成人话。 */
-function unitLabel(platformKey: string, creditUnitPriceFen: number) {
-  if (platformKey === 'fund_cash') return '元'
-  if (creditUnitPriceFen >= 100) return '积分（1积分=1元）'
-  return '积分（1积分=1分）'
+function isCashChannel(platformKey: string) {
+  return platformKey === 'fund_cash' || platformKey === 'on_account'
+}
+
+function channelQuantityText(platformKey: string, creditQuantity: number) {
+  const quantity = formatCreditQuantity(creditQuantity)
+  return isCashChannel(platformKey) ? `¥${quantity}` : `${quantity} 积分`
+}
+
+function platformOptionLabel(platformKey: string, label: string, creditUnitPriceFen: number) {
+  if (isCashChannel(platformKey)) return `${label} · 按元填写`
+  return `${label} · ${formatCreditUnitPriceLabel(creditUnitPriceFen)}`
 }
 
 export function ManualSkuConfigPanel() {
@@ -139,8 +156,10 @@ export function ManualSkuConfigPanel() {
     mutationFn: (values: ConfigFormValues) =>
       saveAdminManualConfig({
         skuKey: editing?.skuKey || '',
-        platformKey: values.platformKey,
-        creditQuantity: values.creditQuantity,
+        channels: values.channels.map((channel) => ({
+          platformKey: channel.platformKey,
+          creditQuantity: Number(channel.creditQuantity || 0),
+        })),
         note: values.note || '',
       }),
     onSuccess: (response) => {
@@ -191,9 +210,21 @@ export function ManualSkuConfigPanel() {
 
   function openConfig(item: ManualSkuItem) {
     setEditing(item)
+    const configuredChannels = item.config?.channels?.length
+      ? item.config.channels
+      : item.config
+        ? [
+            {
+              platformKey: item.config.platformKey,
+              creditQuantity: item.config.creditQuantity,
+            },
+          ]
+        : [{ platformKey: '', creditQuantity: 0 }]
     form.setFieldsValue({
-      platformKey: item.config?.platformKey || undefined,
-      creditQuantity: item.config?.creditQuantity ?? undefined,
+      channels: configuredChannels.map((channel) => ({
+        platformKey: channel.platformKey,
+        creditQuantity: channel.creditQuantity,
+      })),
       note: item.config?.note || '',
     })
     setModalOpen(true)
@@ -229,20 +260,37 @@ export function ManualSkuConfigPanel() {
       title: '履约渠道',
       key: 'platform',
       width: 150,
-      render: (_, row) =>
-        row.config ? (
+      render: (_, row) => {
+        if (!row.config) {
+          return <Typography.Text type="secondary">未配置</Typography.Text>
+        }
+        const channels = row.config.channels?.length
+          ? row.config.channels
+          : [
+              {
+                platformKey: row.config.platformKey,
+                platformLabel: row.config.platformLabel,
+                creditQuantity: row.config.creditQuantity,
+                creditUnitPriceFen: row.config.creditUnitPriceFen,
+                costFen: row.config.costFen,
+              },
+            ]
+        return (
           <Space size={4} direction="vertical">
-            <Tag color={PLATFORM_TAG_COLORS[row.config.platformKey] || 'default'}>
-              {row.config.platformLabel || row.config.platformKey}
-            </Tag>
-            <Typography.Text type="secondary" style={{ fontSize: 12 }}>
-              {row.config.creditQuantity}{' '}
-              {unitLabel(row.config.platformKey, row.config.creditUnitPriceFen)}
-            </Typography.Text>
+            {channels.map((channel) => (
+              <div key={`${row.id}-${channel.platformKey}`}>
+                <Tag color={PLATFORM_TAG_COLORS[channel.platformKey] || 'default'}>
+                  {channel.platformLabel}
+                </Tag>
+                <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+                  {channelQuantityText(channel.platformKey, channel.creditQuantity)}
+                  {' · '}¥{((channel.costFen || 0) / 100).toFixed(2)}
+                </Typography.Text>
+              </div>
+            ))}
           </Space>
-        ) : (
-          <Typography.Text type="secondary">未配置</Typography.Text>
-        ),
+        )
+      },
     },
     {
       title: '成本',
@@ -251,7 +299,9 @@ export function ManualSkuConfigPanel() {
       align: 'right',
       render: (_, row) =>
         row.config ? (
-          row.config.costMode === 'fixed' ? (
+          (row.config.channels?.length || 0) > 1 ? (
+            <Tag color="blue">按实际渠道</Tag>
+          ) : row.config.costMode === 'fixed' ? (
             <Typography.Text>¥{(row.config.costFen / 100).toFixed(2)}</Typography.Text>
           ) : (
             <Tag color="orange">不固定·客服填</Tag>
@@ -286,11 +336,10 @@ export function ManualSkuConfigPanel() {
     },
   ]
 
-  const selectedPlatform = form.getFieldValue('platformKey')
-  const selectedCredit = form.getFieldValue('creditQuantity')
-  const previewUnitPrice = platformMap.get(selectedPlatform)?.creditUnitPriceFen ?? 0
-  const previewCostFen =
-    selectedPlatform && Number(selectedCredit) > 0 ? Number(selectedCredit) * previewUnitPrice : 0
+  function previewChannelCost(platformKey: string, creditQuantity: number) {
+    const unitPrice = platformMap.get(platformKey as ManualPlatformKey)?.creditUnitPriceFen ?? 0
+    return Number(creditQuantity) > 0 ? Math.round(Number(creditQuantity) * unitPrice) : 0
+  }
 
   return (
     <Card bordered={false} title="人工 SKU 配置">
@@ -426,38 +475,138 @@ export function ManualSkuConfigPanel() {
           showIcon
           style={{ marginBottom: 14 }}
           message={`商品名称：${editing?.displayName || '（无）'}（仅供识别）`}
-          description="保存后自动同步标准商品、统一渠道规则和订单匹配；不需要再去其它页面重复设置。消耗积分填 0 表示成本不固定，客服会在确认履约时手填实际成本。"
+          description="一个 SKU 可以配置多个渠道，客服确认履约时选择本次实际渠道。积分渠道填整数积分；备用金现金和统一结算填金额，最多两位小数。填 0 表示成本不固定，由客服确认时填写。"
         />
         <Form<ConfigFormValues> form={form} layout="vertical">
-          <Form.Item
-            name="platformKey"
-            label="履约渠道"
-            rules={[{ required: true, message: '请选择履约渠道' }]}
+          <Form.List
+            name="channels"
+            rules={[
+              {
+                validator: async (_, channels) => {
+                  if (!Array.isArray(channels) || channels.length === 0) {
+                    throw new Error('请至少配置一个履约渠道')
+                  }
+                },
+              },
+            ]}
           >
-            <Select
-              placeholder="请选择渠道"
-              options={platforms.map((item) => ({
-                value: item.key,
-                label: `${item.label}（${unitLabel(item.key, item.creditUnitPriceFen)}）`,
-              }))}
-              onChange={() => form.validateFields(['creditQuantity'])}
-            />
-          </Form.Item>
-          <Form.Item
-            name="creditQuantity"
-            label="每单消耗积分"
-            rules={[{ required: true, message: '请输入消耗积分' }]}
-            extra="填 0 表示成本不固定，客服确认履约时手填实际成本。"
-          >
-            <InputNumber min={0} precision={0} style={{ width: '100%' }} placeholder="例如 10" />
-          </Form.Item>
-          <Form.Item label="折算成本">
-            <Typography.Text strong>
-              {previewCostFen > 0
-                ? `¥${(previewCostFen / 100).toFixed(2)}（${previewCostFen} 分）`
-                : '成本不固定，由客服手填'}
-            </Typography.Text>
-          </Form.Item>
+            {(fields, { add, remove }, { errors }) => (
+              <Space direction="vertical" size={12} style={{ width: '100%' }}>
+                {fields.map((field, index) => (
+                  <div key={field.key} className="manual-channel-config-item">
+                    <div className="manual-channel-config-head">
+                      <Typography.Text strong>履约渠道 {index + 1}</Typography.Text>
+                      <Button
+                        type="text"
+                        danger
+                        title="移除此渠道"
+                        aria-label={`移除履约渠道 ${index + 1}`}
+                        icon={<MinusCircleOutlined />}
+                        disabled={fields.length <= 1}
+                        onClick={() => remove(field.name)}
+                      />
+                    </div>
+                    <Form.Item
+                      name={[field.name, 'platformKey']}
+                      label="履约渠道"
+                      rules={[{ required: true, message: '请选择履约渠道' }]}
+                    >
+                      <Select
+                        placeholder="请选择履约渠道"
+                        options={platforms.map((item) => ({
+                          value: item.key,
+                          label: platformOptionLabel(item.key, item.label, item.creditUnitPriceFen),
+                        }))}
+                      />
+                    </Form.Item>
+                    <Form.Item noStyle shouldUpdate>
+                      {() => {
+                        const platformKey = String(
+                          form.getFieldValue(['channels', field.name, 'platformKey']) || '',
+                        )
+                        const creditQuantity = Number(
+                          form.getFieldValue(['channels', field.name, 'creditQuantity']) || 0,
+                        )
+                        const cashChannel = isCashChannel(platformKey)
+                        const unitPriceFen =
+                          platformMap.get(platformKey as ManualPlatformKey)?.creditUnitPriceFen ?? 0
+                        const costFen = previewChannelCost(platformKey, creditQuantity)
+                        return (
+                          <Row gutter={12}>
+                            <Col xs={24} sm={12}>
+                              <Form.Item
+                                name={[field.name, 'creditQuantity']}
+                                label={
+                                  !platformKey
+                                    ? '消耗 / 金额'
+                                    : cashChannel
+                                      ? '每单金额'
+                                      : '每单消耗积分'
+                                }
+                                rules={[
+                                  { required: true, message: '请输入消耗或金额' },
+                                  {
+                                    validator: async (_, value) => {
+                                      const quantity = Number(value)
+                                      if (!Number.isFinite(quantity) || quantity < 0) {
+                                        throw new Error('请输入大于等于 0 的数字')
+                                      }
+                                      if (!cashChannel && !Number.isInteger(quantity)) {
+                                        throw new Error('积分必须是整数')
+                                      }
+                                    },
+                                  },
+                                ]}
+                                extra={
+                                  platformKey
+                                    ? cashChannel
+                                      ? '单位：元，最多两位小数'
+                                      : `换算率：${formatCreditUnitPriceLabel(unitPriceFen)}`
+                                    : '积分填整数，现金和统一结算填金额'
+                                }
+                                style={{ marginBottom: 0 }}
+                              >
+                                <InputNumber
+                                  min={0}
+                                  precision={cashChannel ? 2 : 0}
+                                  step={cashChannel ? 0.01 : 1}
+                                  style={{ width: '100%' }}
+                                  placeholder={cashChannel ? '例如 12.50' : '例如 10'}
+                                  addonAfter={
+                                    platformKey ? (cashChannel ? '元' : '积分') : undefined
+                                  }
+                                />
+                              </Form.Item>
+                            </Col>
+                            <Col xs={24} sm={12}>
+                              <Form.Item label="折算成本" style={{ marginBottom: 0 }}>
+                                <div className="manual-channel-cost-preview">
+                                  <Typography.Text strong={costFen > 0}>
+                                    {costFen > 0
+                                      ? `¥${(costFen / 100).toFixed(2)}`
+                                      : '成本不固定，由客服确认时填写'}
+                                  </Typography.Text>
+                                  {platformKey && !cashChannel ? (
+                                    <Typography.Text type="secondary">
+                                      1积分={formatCreditUnitPriceYuan(unitPriceFen)}
+                                    </Typography.Text>
+                                  ) : null}
+                                </div>
+                              </Form.Item>
+                            </Col>
+                          </Row>
+                        )
+                      }}
+                    </Form.Item>
+                  </div>
+                ))}
+                <Button type="dashed" icon={<PlusOutlined />} onClick={() => add()}>
+                  添加履约渠道
+                </Button>
+                <Form.ErrorList errors={errors} />
+              </Space>
+            )}
+          </Form.List>
           <Form.Item name="note" label="备注">
             <Input.TextArea rows={2} maxLength={300} showCount />
           </Form.Item>

apps/frontend/src/pages/admin/cost-center/shared.ts

@@ -130,6 +130,7 @@ export const FULFILLMENT_MODE_LABELS: Record<string, string> = {
   affiliate_dash: '自动发货',
   third_party_voucher: '第三方卡券',
   manual: '人工客服',
+  on_account: '统一结算',
   archived: '历史归档',
   unclassified: '未分类',
 }
@@ -139,6 +140,7 @@ export const FULFILLMENT_MODE_COLORS: Record<string, string> = {
   affiliate_dash: 'green',
   third_party_voucher: 'cyan',
   manual: 'orange',
+  on_account: 'gold',
   archived: 'default',
   unclassified: 'gold',
 }

apps/frontend/src/pages/admin/fund/FundSupportView.tsx

@@ -46,6 +46,7 @@ import type {
 } from '@/types/admin'
 import type { UploadedFile } from '@/types/worker-platform'
 import { formatAdminDateTime } from '@/utils/admin-time'
+import { formatCreditUnitPriceLabel } from '@/utils/credit-unit-price'
 import {
   FUND_ACCOUNT_STATUS_LABELS,
   FUND_CATEGORY_LABELS,
@@ -387,7 +388,7 @@ export default function FundSupportView() {
     <section className="page-stack">
       <PageHeader
         title="我的钱包"
-        description="四个平台钱包：南航 / 乐玩 / ROCK 积分与备用金现金。余额由流水自动计算，不能手工修改。"
+        description="五种履约方式：南航 / 乐玩 / ROCK 积分、备用金现金、统一结算。积分余额与现金余额由流水自动计算，不能手工修改。"
         extra={
           <Button
             icon={<ReloadOutlined />}
@@ -418,51 +419,61 @@ export default function FundSupportView() {
         />
       ) : null}
 
-      <Row gutter={[16, 16]}>
+      <div className="support-wallet-grid">
         {myCreditWallets.map((wallet) => (
-          <Col xs={24} sm={12} lg={6} key={wallet.platform.key}>
-            <Card>
-              <Statistic
-                title={
-                  <Space size={6}>
-                    <span>{wallet.platform.label}</span>
-                    <Tag color={wallet.platform.creditUnitPriceFen >= 100 ? 'cyan' : 'blue'}>
-                      1积分=
-                      {wallet.platform.creditUnitPriceFen >= 100 ? '1元' : '1分'}
-                    </Tag>
-                  </Space>
-                }
-                value={wallet.balanceQuantity}
-                suffix="积分"
-                valueStyle={{
-                  color: wallet.balanceQuantity > 0 ? undefined : '#999',
-                }}
-              />
-              <Typography.Text type="secondary" style={{ fontSize: 12 }}>
-                折合 ¥{(wallet.balanceAmountFen / 100).toFixed(2)}
-              </Typography.Text>
-            </Card>
-          </Col>
-        ))}
-        <Col xs={24} sm={12} lg={6}>
-          <Card>
+          <Card key={wallet.platform.key}>
             <Statistic
-              title="备用金现金"
-              value={account ? account.balanceFen / 100 : 0}
-              precision={2}
-              prefix="￥"
+              title={
+                <Space size={6}>
+                  <span>{wallet.platform.label}</span>
+                  <Tag color={wallet.platform.creditUnitPriceFen >= 100 ? 'cyan' : 'blue'}>
+                    {formatCreditUnitPriceLabel(wallet.platform.creditUnitPriceFen)}
+                  </Tag>
+                </Space>
+              }
+              value={wallet.balanceQuantity}
+              suffix="积分"
               valueStyle={{
-                color: account && account.balanceFen > 0 ? undefined : '#999',
+                color: wallet.balanceQuantity > 0 ? undefined : '#999',
               }}
             />
             <Typography.Text type="secondary" style={{ fontSize: 12 }}>
-              {account
-                ? `本月发放 ¥${(account.monthInFen / 100).toFixed(2)} · 支出/缴回 ¥${(account.monthOutFen / 100).toFixed(2)}`
-                : '尚未开通备用金账户'}
+              折合 ¥{(wallet.balanceAmountFen / 100).toFixed(2)}
             </Typography.Text>
           </Card>
-        </Col>
-      </Row>
+        ))}
+        <Card>
+          <Statistic
+            title="备用金现金"
+            value={account ? account.balanceFen / 100 : 0}
+            precision={2}
+            prefix="￥"
+            valueStyle={{
+              color: account && account.balanceFen > 0 ? undefined : '#999',
+            }}
+          />
+          <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+            {account
+              ? `本月发放 ¥${(account.monthInFen / 100).toFixed(2)} · 支出/缴回 ¥${(account.monthOutFen / 100).toFixed(2)}`
+              : '尚未开通备用金账户'}
+          </Typography.Text>
+        </Card>
+        <Card>
+          <Statistic
+            title={
+              <Space size={6}>
+                <span>统一结算</span>
+                <Tag color="gold">后对账</Tag>
+              </Space>
+            }
+            value="按单生成"
+            valueStyle={{ color: '#8c6d1f', fontSize: 22 }}
+          />
+          <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+            生成虚拟账单，不扣积分或备用金
+          </Typography.Text>
+        </Card>
+      </div>
 
       {account ? (
         <Card>

apps/frontend/src/pages/admin/fund/PlatformCreditPanel.tsx

@@ -42,6 +42,7 @@ import type { PlatformCreditAccount, PlatformCreditEntry, PlatformCreditOwner }
 import { hasAdminPermission } from '@/utils/admin-auth'
 import { formatAdminDateTime } from '@/utils/admin-time'
 import { buildAdminLocalTablePagination } from '@/utils/admin-pagination'
+import { formatCreditUnitPriceLabel } from '@/utils/credit-unit-price'
 
 const PLATFORM_TAG_COLORS: Record<string, string> = {
   nanhang: 'blue',
@@ -342,7 +343,7 @@ export function PlatformCreditPanel() {
         showIcon
         style={{ marginBottom: 14 }}
         message="南航 / 乐玩 / ROCK 三平台积分互不通用，每平台一个钱包"
-        description="换算率按平台：南航、乐玩 1 积分 = 1 分；ROCK 1 积分 = 1 元。可在下方按客服直接分配或调整积分；备用金现金在「现金钱包 / 对账中心」管理。"
+        description="换算率按平台展示为人民币金额；南航、乐玩默认 1 积分 = 0.01 元，ROCK 默认 1 积分 = 1.00 元。可在下方按客服直接分配或调整积分；备用金现金在「现金钱包 / 对账中心」管理。"
       />
 
       <Row gutter={[12, 12]} style={{ marginBottom: 12 }}>
@@ -359,7 +360,7 @@ export function PlatformCreditPanel() {
                   suffix="积分"
                   prefix={
                     <Tag color={PLATFORM_TAG_COLORS[platform.key] || 'default'}>
-                      1积分={platform.creditUnitPriceFen >= 100 ? '1元' : '1分'}
+                      {formatCreditUnitPriceLabel(platform.creditUnitPriceFen)}
                     </Tag>
                   }
                 />
@@ -459,7 +460,7 @@ export function PlatformCreditPanel() {
             <Select
               options={platforms.map((item) => ({
                 value: item.key,
-                label: `${item.label}（1积分=${item.creditUnitPriceFen >= 100 ? '1元' : '1分'}）`,
+                label: `${item.label} · ${formatCreditUnitPriceLabel(item.creditUnitPriceFen)}`,
               }))}
             />
           </Form.Item>

apps/frontend/src/pages/admin/panels/VoucherConsumePolicyPanel.tsx

@@ -38,6 +38,7 @@ const CHANNEL_LABEL: Record<VoucherConsumeChannel, string> = {
   affiliate_dash: '自动发货',
   work_order: '接单工单',
   manual: '人工客服',
+  on_account: '统一结算',
   third_party_voucher: '第三方卡券',
 }
 
@@ -68,6 +69,10 @@ const MODE_OPTIONS: Record<
     { value: 'after_order_received', label: '收到订单后' },
     { value: 'manual', label: '人工核销' },
   ],
+  on_account: [
+    { value: 'after_order_received', label: '收到订单后' },
+    { value: 'manual', label: '人工核销' },
+  ],
 }
 
 type PolicyRow = {