feat(fund): 备用金账户编号改为带用户名的可读编号

apps/backend/src/services/admin/admin-fund-service.ts

@@ -278,6 +278,37 @@ function generateNo(prefix: string) {
   return randomId(prefix, 5).toUpperCase()
 }
 
+function buildFundAccountNoBase(username: string): string {
+  const slug =
+    String(username || '')
+      .trim()
+      .replace(/[^A-Za-z0-9_]+/g, '_')
+      .replace(/^_+|_+$/g, '')
+      .toUpperCase()
+      .slice(0, 32) || 'ACCOUNT'
+  return `FA-${slug}`
+}
+
+/** 账户编号直接带用户名，列表里一眼能对应到人；重名时追加 -2、-3。 */
+async function allocateFundAccountNo(client: PoolClient, username: string): Promise<string> {
+  const base = buildFundAccountNoBase(username)
+  let candidate = base
+  for (let suffix = 2; suffix <= 99; suffix += 1) {
+    const existing = await client.query(
+      'SELECT 1 FROM fund_accounts WHERE account_no = $1 LIMIT 1',
+      [candidate],
+    )
+    if (!existing.rowCount) {
+      return candidate
+    }
+    candidate = `${base}-${suffix}`
+  }
+  throw createHttpError('生成备用金账户编号失败', {
+    statusCode: 500,
+    errorCode: 'fund_account_no_conflict',
+  })
+}
+
 function requiredRow<T>(row: T | undefined, message: string): T {
   if (!row) {
     throw createHttpError(message, {
@@ -974,7 +1005,7 @@ export async function createAdminFundAccount(payload: JsonObject, session: Admin
       })
     }
 
-    const accountNo = generateNo('FA')
+    const accountNo = await allocateFundAccountNo(client, user.username)
     const insertResult = await client.query<FundAccountRow>(
       `
         INSERT INTO fund_accounts (
@@ -1062,7 +1093,7 @@ export async function ensureAdminFundAgentAccounts(payload: JsonObject, session:
 
     const created: Array<{ id: number; accountNo: string; ownerName: string }> = []
     for (const user of usersResult.rows) {
-      const accountNo = generateNo('FA')
+      const accountNo = await allocateFundAccountNo(client, user.username)
       const insertResult = await client.query<FundAccountRow>(
         `
           INSERT INTO fund_accounts (