优化后端-接单平台部分逻辑

apps/backend/src/config/app-config-keys.ts

@@ -2,6 +2,7 @@ export const APP_CONFIG_KEYS = {
   notification: 'notification',
   scheduledJobs: 'scheduled_jobs',
   fulfillmentRouting: 'fulfillment_routing',
+  workerFinance: 'worker_finance',
   cloudtentaclesSources: 'cloudtentacles_sources',
   cloudtentaclesSession: 'cloudtentacles_session',
   cloudtentaclesOverrideRules: 'cloudtentacles_override_rules',

apps/backend/src/repositories/worker-platform-repo.ts

@@ -74,6 +74,9 @@ export type WorkerFinanceRequestRow = {
   created_at: string
   updated_at: string
   reviewed_at: string | null
+  worker_username?: string
+  worker_display_name?: string
+  worker_phone?: string
 }
 
 export type WorkCategoryRow = {
@@ -179,6 +182,7 @@ type FinanceRequestListInput = {
   workerId?: number
   status?: string
   requestType?: string
+  keyword?: string
 }
 
 type CreateWorkerInput = {
@@ -242,6 +246,16 @@ const WORK_PRODUCT_RULE_SELECT = `
   LEFT JOIN work_categories wc ON wc.id = wpr.category_id
 `
 
+const WORKER_FINANCE_REQUEST_SELECT = `
+  SELECT
+    wfr.*,
+    wu.username AS worker_username,
+    wu.display_name AS worker_display_name,
+    wu.phone AS worker_phone
+  FROM worker_finance_requests wfr
+  LEFT JOIN worker_users wu ON wu.id = wfr.worker_id
+`
+
 export async function getWorkerLevelByKey(levelKey: string): Promise<WorkerLevelRow | null> {
   const result = await query<WorkerLevelRow>(
     'SELECT * FROM worker_levels WHERE level_key = $1 LIMIT 1',
@@ -580,32 +594,43 @@ export async function createWorkerFinanceRequest(input: {
   return result.rows[0] || null
 }
 
+export async function getWorkerFinanceRequestById(
+  requestId: number | string,
+): Promise<WorkerFinanceRequestRow | null> {
+  const result = await query<WorkerFinanceRequestRow>(
+    `${WORKER_FINANCE_REQUEST_SELECT} WHERE wfr.id = $1 LIMIT 1`,
+    [Number(requestId)],
+  )
+  return result.rows[0] || null
+}
+
 export async function listWorkerFinanceRequests({
   page = 1,
   pageSize = 20,
   workerId = 0,
   status = '',
   requestType = '',
+  keyword = '',
 }: FinanceRequestListInput = {}): Promise<{ items: WorkerFinanceRequestRow[]; total: number }> {
   const { whereClause, params } = buildWorkerFinanceRequestWhere({
     workerId,
     status,
     requestType,
+    keyword,
   })
   const totalResult = await query<{ total: number }>(
-    `SELECT COUNT(*)::int AS total FROM worker_finance_requests wfr ${whereClause}`,
+    `SELECT COUNT(*)::int AS total FROM worker_finance_requests wfr
+     LEFT JOIN worker_users wu ON wu.id = wfr.worker_id
+     ${whereClause}`,
     params,
   )
   const offset = (page - 1) * pageSize
   params.push(pageSize, offset)
   const itemsResult = await query<WorkerFinanceRequestRow>(
-    `
+    `${WORKER_FINANCE_REQUEST_SELECT}
-      SELECT *
-      FROM worker_finance_requests wfr
      ${whereClause}
      ORDER BY wfr.created_at DESC, wfr.id DESC
-      LIMIT $${params.length - 1} OFFSET $${params.length}
+     LIMIT $${params.length - 1} OFFSET $${params.length}`,
-    `,
     params,
   )
   return {
@@ -614,6 +639,146 @@ export async function listWorkerFinanceRequests({
   }
 }
 
+export async function reviewWorkerFinanceRequest(input: {
+  requestId: number
+  status: string
+  reviewedNote: string
+  now: string
+}): Promise<{
+  request: WorkerFinanceRequestRow | null
+  failureReason: 'request_not_pending' | 'withdraw_insufficient' | null
+}> {
+  return withTransaction(async (client) => {
+    const currentResult = await client.query<WorkerFinanceRequestRow>(
+      `
+        SELECT *
+        FROM worker_finance_requests
+        WHERE id = $1
+        LIMIT 1
+        FOR UPDATE
+      `,
+      [input.requestId],
+    )
+    const current = currentResult.rows[0] || null
+    if (!current) {
+      return {
+        request: null,
+        failureReason: null,
+      }
+    }
+
+    if (current.status !== 'pending') {
+      return {
+        request: await getWorkerFinanceRequestByIdWithClient(client, input.requestId),
+        failureReason: 'request_not_pending',
+      }
+    }
+
+    if (input.status === 'approved') {
+      await ensureWorkerWalletWithClient(client, Number(current.worker_id), input.now)
+      const wallet = await getWorkerWalletWithClient(client, Number(current.worker_id))
+      const availableAmount = Number(wallet?.available_amount || 0)
+      const frozenAmount = Number(wallet?.frozen_deposit_amount || 0)
+      const amount = Number(current.amount || 0)
+      const note =
+        input.reviewedNote ||
+        (current.request_type === 'withdraw' ? '提现申请审核通过' : '充值申请审核通过')
+
+      if (current.request_type === 'withdraw') {
+        if (availableAmount < amount) {
+          return {
+            request: await getWorkerFinanceRequestByIdWithClient(client, input.requestId),
+            failureReason: 'withdraw_insufficient',
+          }
+        }
+
+        const nextAvailable = availableAmount - amount
+        await client.query(
+          `
+            UPDATE worker_wallets
+            SET available_amount = $1, updated_at = $2
+            WHERE worker_id = $3
+          `,
+          [nextAvailable, input.now, Number(current.worker_id)],
+        )
+        await client.query(
+          `
+            INSERT INTO worker_wallet_ledgers (
+              worker_id, ledger_type, amount, balance_after, frozen_after,
+              audit_status, note, payload_json, created_at
+            ) VALUES ($1, 'withdraw_paid', $2, $3, $4, 'approved', $5, $6::jsonb, $7)
+          `,
+          [
+            Number(current.worker_id),
+            -amount,
+            nextAvailable,
+            frozenAmount,
+            note,
+            JSON.stringify({
+              requestId: Number(current.id),
+              requestType: current.request_type,
+              source: 'admin_finance_review',
+            }),
+            input.now,
+          ],
+        )
+      } else {
+        const nextAvailable = availableAmount + amount
+        await client.query(
+          `
+            UPDATE worker_wallets
+            SET
+              available_amount = $1,
+              total_credited_amount = total_credited_amount + $2,
+              updated_at = $3
+            WHERE worker_id = $4
+          `,
+          [nextAvailable, amount, input.now, Number(current.worker_id)],
+        )
+        await client.query(
+          `
+            INSERT INTO worker_wallet_ledgers (
+              worker_id, ledger_type, amount, balance_after, frozen_after,
+              audit_status, note, payload_json, created_at
+            ) VALUES ($1, 'manual_credit', $2, $3, $4, 'approved', $5, $6::jsonb, $7)
+          `,
+          [
+            Number(current.worker_id),
+            amount,
+            nextAvailable,
+            frozenAmount,
+            note,
+            JSON.stringify({
+              requestId: Number(current.id),
+              requestType: current.request_type,
+              source: 'admin_finance_review',
+            }),
+            input.now,
+          ],
+        )
+      }
+    }
+
+    await client.query(
+      `
+        UPDATE worker_finance_requests
+        SET
+          status = $1,
+          reviewed_note = $2,
+          reviewed_at = $3,
+          updated_at = $3
+        WHERE id = $4
+      `,
+      [input.status, input.reviewedNote, input.now, input.requestId],
+    )
+
+    return {
+      request: await getWorkerFinanceRequestByIdWithClient(client, input.requestId),
+      failureReason: null,
+    }
+  })
+}
+
 export async function getWorkerFinanceRequestSummary(workerId: number | string) {
   const result = await query<{
     pending_withdraw_amount: number
@@ -1421,6 +1586,17 @@ async function getWorkerUserByIdWithClient(
   return result.rows[0] || null
 }
 
+async function getWorkerFinanceRequestByIdWithClient(
+  client: PoolClient,
+  requestId: number | string,
+): Promise<WorkerFinanceRequestRow | null> {
+  const result = await client.query<WorkerFinanceRequestRow>(
+    `${WORKER_FINANCE_REQUEST_SELECT} WHERE wfr.id = $1 LIMIT 1`,
+    [Number(requestId)],
+  )
+  return result.rows[0] || null
+}
+
 async function getWorkOrderByIdWithClient(
   client: PoolClient,
   workOrderId: number | string,
@@ -1500,6 +1676,7 @@ function buildWorkerFinanceRequestWhere({
   workerId = 0,
   status = '',
   requestType = '',
+  keyword = '',
 }: FinanceRequestListInput) {
   const filters: string[] = []
   const params: unknown[] = []
@@ -1515,6 +1692,16 @@ function buildWorkerFinanceRequestWhere({
     params.push(requestType)
     filters.push(`wfr.request_type = $${params.length}`)
   }
+  if (keyword) {
+    params.push(`%${keyword}%`)
+    filters.push(
+      `(wu.username ILIKE $${params.length}
+        OR wu.display_name ILIKE $${params.length}
+        OR wu.phone ILIKE $${params.length}
+        OR wfr.account_name ILIKE $${params.length}
+        OR wfr.account_no ILIKE $${params.length})`,
+    )
+  }
   return {
     whereClause: filters.length > 0 ? `WHERE ${filters.join(' AND ')}` : '',
     params,

apps/backend/src/routes/admin/worker-platform.ts

@@ -4,7 +4,9 @@ import {
   acceptAdminWorkOrder,
   creditAdminWorkerWallet,
   createAdminMockWorkOrder,
+  getAdminWorkerFinanceConfig,
   getAdminWorkerPlatformSummary,
+  listAdminWorkerFinanceRequests,
   listAdminWorkCategories,
   listAdminWorkProductRules,
   listAdminWorkerLevels,
@@ -12,13 +14,16 @@ import {
   listAdminWorkOrders,
   markAdminWorkOrderProblem,
   publishAdminWorkOrder,
+  reviewAdminWorkerFinanceRequest,
   resolveAdminProblemWorkOrder,
   reviewAdminWorkerUser,
+  saveAdminWorkerFinanceConfig,
   saveAdminWorkCategory,
   saveAdminWorkProductRule,
   saveAdminWorkerLevel,
   submitAdminWorkOrderMaterial,
   syncAdminWorkerOrdersFromSource,
+  unpublishAdminWorkOrder,
 } from '../../services/worker-platform/worker-platform-service.js'
 import { createJsonHandler, requireAdminRoles } from './session.js'
 
@@ -161,6 +166,62 @@ router.post(
   ),
 )
 
+router.get(
+  '/worker-platform/finance-config',
+  requireAdminRoles(['admin', 'operator', 'support']),
+  createJsonHandler(() => getAdminWorkerFinanceConfig(), {
+    successMessage: 'ok',
+    errorMessage: '读取资金配置失败',
+    scope: '[admin/worker-platform/finance-config]',
+  }),
+)
+
+router.post(
+  '/worker-platform/finance-config',
+  requireAdminRoles(['admin', 'operator']),
+  createJsonHandler((req) => saveAdminWorkerFinanceConfig(req.body || {}), {
+    successMessage: '资金配置已保存',
+    errorMessage: '保存资金配置失败',
+    scope: '[admin/worker-platform/finance-config]',
+    audit: (_req, data) => ({
+      action: 'worker_finance_config_saved',
+      targetType: 'worker_finance_config',
+      targetId: 'worker_finance',
+      data: data && typeof data === 'object' ? (data as Record<string, unknown>) : {},
+    }),
+  }),
+)
+
+router.get(
+  '/worker-platform/finance-requests',
+  requireAdminRoles(['admin', 'operator', 'support']),
+  createJsonHandler((req) => listAdminWorkerFinanceRequests(req.query), {
+    successMessage: 'ok',
+    errorMessage: '读取资金申请失败',
+    scope: '[admin/worker-platform/finance-requests]',
+  }),
+)
+
+router.post(
+  '/worker-platform/finance-requests/:requestId/review',
+  requireAdminRoles(['admin', 'operator']),
+  createJsonHandler(
+    (req) =>
+      reviewAdminWorkerFinanceRequest(String(req.params.requestId || ''), req.body || {}),
+    {
+      successMessage: '资金申请已处理',
+      errorMessage: '处理资金申请失败',
+      scope: '[admin/worker-platform/finance-requests/:requestId/review]',
+      audit: (req, data) => ({
+        action: 'worker_finance_request_reviewed',
+        targetType: 'worker_finance_request',
+        targetId: String(req.params.requestId || ''),
+        data: data && typeof data === 'object' ? (data as Record<string, unknown>) : {},
+      }),
+    },
+  ),
+)
+
 router.get(
   '/worker-platform/orders',
   requireAdminRoles(['admin', 'operator', 'support']),
@@ -238,6 +299,22 @@ router.post(
   }),
 )
 
+router.post(
+  '/worker-platform/orders/:workOrderId/unpublish',
+  requireAdminRoles(['admin', 'operator']),
+  createJsonHandler((req) => unpublishAdminWorkOrder(String(req.params.workOrderId || '')), {
+    successMessage: '订单已撤回到未分配',
+    errorMessage: '下架接单订单失败',
+    scope: '[admin/worker-platform/orders/:workOrderId/unpublish]',
+    audit: (req, data) => ({
+      action: 'work_order_unpublished',
+      targetType: 'work_order',
+      targetId: String(req.params.workOrderId || ''),
+      data: data && typeof data === 'object' ? (data as Record<string, unknown>) : {},
+    }),
+  }),
+)
+
 router.post(
   '/worker-platform/orders/:workOrderId/problem',
   requireAdminRoles(['admin', 'operator', 'support']),

apps/backend/src/services/worker-platform/worker-finance-config-service.ts

@@ -0,0 +1,123 @@
+import { APP_CONFIG_KEYS } from '../../config/app-config-keys.js'
+import type { JsonObject } from '../../types/json.js'
+import { readAppConfigEntry, saveAppConfigEntry } from '../config/app-config-store.js'
+import {
+  normalizeStoredFileUrl,
+  refreshUploadedFileUrls,
+  type UploadedFileDto,
+} from '../file-storage/file-storage-service.js'
+
+export type WorkerFinanceConfig = {
+  recharge: {
+    enabled: boolean
+    channelName: string
+    accountName: string
+    accountNo: string
+    qrCodeImage: UploadedFileDto | null
+    instructions: string
+  }
+  withdraw: {
+    enabled: boolean
+    instructions: string
+  }
+}
+
+export function getWorkerFinanceConfig(): WorkerFinanceConfig {
+  const config = readAppConfigEntry({
+    configKey: APP_CONFIG_KEYS.workerFinance,
+    fallback: createDefaultWorkerFinanceConfig,
+    normalize: normalizeWorkerFinanceConfig,
+  })
+  return refreshWorkerFinanceConfig(config)
+}
+
+export async function saveWorkerFinanceConfig(rawValue: unknown): Promise<WorkerFinanceConfig> {
+  const saved = await saveAppConfigEntry({
+    configKey: APP_CONFIG_KEYS.workerFinance,
+    value: rawValue,
+    normalize: normalizeWorkerFinanceConfig,
+  })
+  return refreshWorkerFinanceConfig(saved)
+}
+
+export function normalizeWorkerFinanceConfig(rawValue: unknown): WorkerFinanceConfig {
+  const source = isPlainObject(rawValue) ? rawValue : {}
+  const recharge = isPlainObject(source.recharge) ? source.recharge : {}
+  const withdraw = isPlainObject(source.withdraw) ? source.withdraw : {}
+
+  return {
+    recharge: {
+      enabled: typeof recharge.enabled === 'boolean' ? recharge.enabled : true,
+      channelName: String(recharge.channelName || recharge.channel_name || '').trim(),
+      accountName: String(recharge.accountName || recharge.account_name || '').trim(),
+      accountNo: String(recharge.accountNo || recharge.account_no || '').trim(),
+      qrCodeImage: normalizeUploadedFileForStorage(
+        recharge.qrCodeImage || recharge.qr_code_image,
+      ),
+      instructions: String(recharge.instructions || '').trim(),
+    },
+    withdraw: {
+      enabled: typeof withdraw.enabled === 'boolean' ? withdraw.enabled : true,
+      instructions: String(withdraw.instructions || '').trim(),
+    },
+  }
+}
+
+export function createDefaultWorkerFinanceConfig(): WorkerFinanceConfig {
+  return {
+    recharge: {
+      enabled: true,
+      channelName: '',
+      accountName: '',
+      accountNo: '',
+      qrCodeImage: null,
+      instructions: '',
+    },
+    withdraw: {
+      enabled: true,
+      instructions: '',
+    },
+  }
+}
+
+function refreshWorkerFinanceConfig(config: WorkerFinanceConfig): WorkerFinanceConfig {
+  return {
+    recharge: {
+      ...config.recharge,
+      qrCodeImage: config.recharge.qrCodeImage
+        ? (refreshUploadedFileUrls(config.recharge.qrCodeImage) as UploadedFileDto)
+        : null,
+    },
+    withdraw: {
+      ...config.withdraw,
+    },
+  }
+}
+
+function normalizeUploadedFileForStorage(value: unknown): UploadedFileDto | null {
+  if (!isPlainObject(value)) {
+    return null
+  }
+
+  const objectKey = String(value.objectKey || value.object_key || '').trim()
+  if (!objectKey) {
+    return null
+  }
+
+  return {
+    objectKey,
+    url: normalizeStoredFileUrl(value.url, objectKey),
+    thumbnailUrl: normalizeStoredFileUrl(
+      value.thumbnailUrl || value.thumbnail_url,
+      objectKey,
+    ),
+    mediumUrl: normalizeStoredFileUrl(value.mediumUrl || value.medium_url, objectKey),
+    filename: String(value.filename || '').trim() || '收款二维码',
+    contentType: String(value.contentType || value.content_type || '').trim(),
+    size: Math.max(0, Number(value.size || 0) || 0),
+  }
+}
+
+function isPlainObject(value: unknown): value is JsonObject {
+  return Object.prototype.toString.call(value) === '[object Object]'
+}

apps/backend/src/services/worker-platform/worker-platform-service.ts

@@ -13,7 +13,9 @@ import {
   createWorkOrderEvent,
   createWorkerFinanceRequest,
   createWorkerUser,
+  getWorkerFinanceRequestById,
   getWorkerFinanceRequestSummary,
+  getWorkerLevelById,
   incrementWorkerSessionVersion,
   getWorkOrderById,
   getWorkOrderByOrderItemId,
@@ -29,6 +31,7 @@ import {
   listWorkerLevels,
   listWorkerUsers,
   resolveProblemWorkOrder,
+  reviewWorkerFinanceRequest,
   updateWorkOrder,
   updateWorkerPassword,
   updateWorkerUser,
@@ -56,6 +59,10 @@ import {
   refreshStoredFileUrl,
   refreshUploadedFileUrls,
 } from '../file-storage/file-storage-service.js'
+import {
+  getWorkerFinanceConfig,
+  saveWorkerFinanceConfig,
+} from './worker-finance-config-service.js'
 
 export type WorkerSession = {
   sessionId: string
@@ -286,9 +293,10 @@ export function requireActiveWorkerSession(session: WorkerSession | null | undef
 
 export async function getWorkerProfile(session: WorkerSession) {
   const worker = await getRequiredWorker(session.workerId)
-  const [financeSummary, acceptedOrderCount] = await Promise.all([
+  const [financeSummary, acceptedOrderCount, financeConfig] = await Promise.all([
     getWorkerFinanceRequestSummary(session.workerId),
     countWorkerAcceptedOrders(session.workerId),
+    Promise.resolve(getWorkerFinanceConfig()),
   ])
   return {
     worker: mapWorkerUser(worker),
@@ -299,6 +307,7 @@ export async function getWorkerProfile(session: WorkerSession) {
       approvedWithdrawAmount: financeSummary.approvedWithdrawAmount,
       pendingRechargeAmount: financeSummary.pendingRechargeAmount,
     },
+    financeConfig,
   }
 }
 
@@ -348,6 +357,13 @@ export async function createWorkerRechargeRequest(
 ) {
   requireActiveWorkerSession(session)
   const worker = await getRequiredWorker(session.workerId)
+  const financeConfig = getWorkerFinanceConfig()
+  if (financeConfig.recharge.enabled === false) {
+    throw createHttpError('当前充值入口暂未开放，请联系管理员', {
+      statusCode: 409,
+      errorCode: 'worker_recharge_disabled',
+    })
+  }
   const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
   if (amount <= 0) {
     throw createHttpError('充值金额必须大于 0', {
@@ -369,6 +385,12 @@ export async function createWorkerRechargeRequest(
       source: 'worker_profile_recharge',
       username: worker.username,
       phone: worker.phone || '',
+      financeConfig: {
+        channelName: financeConfig.recharge.channelName,
+        accountName: financeConfig.recharge.accountName,
+        accountNo: financeConfig.recharge.accountNo,
+        qrCodeImage: financeConfig.recharge.qrCodeImage,
+      },
     }),
     now: nowIso(),
   })
@@ -389,6 +411,13 @@ export async function createWorkerWithdrawRequest(
 ) {
   requireActiveWorkerSession(session)
   const worker = await getRequiredWorker(session.workerId)
+  const financeConfig = getWorkerFinanceConfig()
+  if (financeConfig.withdraw.enabled === false) {
+    throw createHttpError('当前提现入口暂未开放，请联系管理员', {
+      statusCode: 409,
+      errorCode: 'worker_withdraw_disabled',
+    })
+  }
   const amount = normalizeAmountFen(payload.amount ?? payload.amountYuan, 0)
   if (amount <= 0) {
     throw createHttpError('提现金额必须大于 0', {
@@ -878,11 +907,21 @@ export async function listAdminWorkerUsers(query: JsonObject = {}) {
 export async function reviewAdminWorkerUser(workerId: number | string, payload: JsonObject = {}) {
   const worker = await getRequiredWorker(workerId)
   const status = normalizeReviewStatus(payload.status)
-  const levelId =
+  const requestedLevelId = normalizeOptionalId(payload.levelId)
-    normalizeOptionalId(payload.levelId) ||
+  let levelId = worker.level_id || null
-    worker.level_id ||
+  if (requestedLevelId) {
-    (await ensureWorkerPlatformDefaults()).level?.id ||
+    const level = await getWorkerLevelById(requestedLevelId)
-    null
+    if (!level) {
+      throw createHttpError('接单等级不存在', {
+        statusCode: 404,
+        errorCode: 'worker_level_not_found',
+      })
+    }
+    levelId = Number(level.id)
+  }
+  if (!levelId) {
+    levelId = (await ensureWorkerPlatformDefaults()).level?.id || null
+  }
   const now = nowIso()
   const updated = await updateWorkerUser(worker.id, {
     status,
@@ -914,6 +953,81 @@ export async function creditAdminWorkerWallet(workerId: number | string, payload
   return { wallet: mapWallet(wallet) }
 }
 
+export async function getAdminWorkerFinanceConfig() {
+  return getWorkerFinanceConfig()
+}
+
+export async function saveAdminWorkerFinanceConfig(payload: JsonObject = {}) {
+  const config = await saveWorkerFinanceConfig(payload)
+  return config
+}
+
+export async function listAdminWorkerFinanceRequests(query: JsonObject = {}) {
+  const page = normalizePage(query.page)
+  const pageSize = normalizePageSize(query.pageSize)
+  const status = normalizeFinanceRequestStatus(query.status)
+  const requestType = normalizeFinanceRequestType(query.requestType)
+  const keyword = String(query.keyword || '').trim()
+  const { items, total } = await listWorkerFinanceRequests({
+    page,
+    pageSize,
+    status,
+    requestType,
+    keyword,
+  })
+  return {
+    items: items.map(mapFinanceRequest),
+    pagination: { page, pageSize, total },
+  }
+}
+
+export async function reviewAdminWorkerFinanceRequest(
+  requestId: number | string,
+  payload: JsonObject = {},
+) {
+  const current = await getWorkerFinanceRequestById(requestId)
+  if (!current) {
+    throw createHttpError('资金申请不存在', {
+      statusCode: 404,
+      errorCode: 'worker_finance_request_not_found',
+    })
+  }
+
+  const status = normalizeAdminFinanceReviewStatus(payload.status)
+  const reviewedNote = String(payload.reviewedNote || payload.note || '').trim()
+  const reviewed = await reviewWorkerFinanceRequest({
+    requestId: Number(current.id),
+    status,
+    reviewedNote,
+    now: nowIso(),
+  })
+
+  if (reviewed.failureReason === 'request_not_pending') {
+    throw createHttpError('该申请已处理，请刷新后重试', {
+      statusCode: 409,
+      errorCode: 'worker_finance_request_reviewed',
+    })
+  }
+
+  if (reviewed.failureReason === 'withdraw_insufficient') {
+    throw createHttpError('打手余额不足，暂时无法通过该提现申请', {
+      statusCode: 409,
+      errorCode: 'worker_finance_request_withdraw_insufficient',
+    })
+  }
+
+  if (!reviewed.request) {
+    throw createHttpError('资金申请不存在', {
+      statusCode: 404,
+      errorCode: 'worker_finance_request_not_found',
+    })
+  }
+
+  return {
+    request: mapFinanceRequest(reviewed.request),
+  }
+}
+
 export async function listAdminWorkOrders(query: JsonObject = {}) {
   const page = normalizePage(query.page)
   const pageSize = normalizePageSize(query.pageSize)
@@ -1079,6 +1193,32 @@ export async function publishAdminWorkOrder(workOrderId: number | string) {
   return { order: mapWorkOrderAdmin(updated || workOrder) }
 }
 
+export async function unpublishAdminWorkOrder(workOrderId: number | string) {
+  const workOrder = await getRequiredWorkOrder(workOrderId)
+  if (workOrder.status !== WORK_ORDER_STATUS.OPEN || workOrder.assigned_worker_id) {
+    throw createHttpError('只有待抢单且未被接走的订单可以下架', {
+      statusCode: 409,
+      errorCode: 'work_order_unpublish_status_invalid',
+    })
+  }
+  const now = nowIso()
+  const updated = await updateWorkOrder(workOrder.id, {
+    status: WORK_ORDER_STATUS.UNASSIGNED,
+    published_at: null,
+    updated_at: now,
+  })
+  await createWorkOrderEvent({
+    workOrderId: workOrder.id,
+    actorType: 'admin',
+    actorId: '',
+    eventType: 'unpublished',
+    fromStatus: workOrder.status,
+    toStatus: WORK_ORDER_STATUS.UNASSIGNED,
+    now,
+  })
+  return { order: mapWorkOrderAdmin(updated || workOrder) }
+}
+
 export async function markAdminWorkOrderProblem(
   workOrderId: number | string,
   payload: JsonObject = {},
@@ -1559,6 +1699,14 @@ function mapFinanceRequest(request: WorkerFinanceRequestRow | null | undefined)
     createdAt: request.created_at,
     updatedAt: request.updated_at,
     reviewedAt: request.reviewed_at,
+    worker: request.worker_id
+      ? {
+          workerId: Number(request.worker_id),
+          username: request.worker_username || '',
+          displayName: request.worker_display_name || request.worker_username || '',
+          phone: request.worker_phone || '',
+        }
+      : null,
   }
 }
 
@@ -1902,6 +2050,7 @@ function normalizeWalletLedgerType(value: unknown) {
   if (
     [
       'manual_credit',
+      'withdraw_paid',
       'deposit_freeze',
       'deposit_release',
       'deposit_deduction',
@@ -1940,6 +2089,17 @@ function normalizeFinanceRequestStatus(value: unknown) {
   })
 }
 
+function normalizeAdminFinanceReviewStatus(value: unknown) {
+  const status = String(value || '').trim()
+  if (['approved', 'rejected', 'cancelled'].includes(status)) {
+    return status
+  }
+  throw createHttpError('审核状态不正确', {
+    statusCode: 400,
+    errorCode: 'worker_finance_review_status_invalid',
+  })
+}
+
 function normalizeWithdrawChannel(value: unknown) {
   const channel = String(value || '').trim()
   if (['alipay', 'wechat', 'bank'].includes(channel)) {

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

@@ -28,16 +28,19 @@ import {
   Typography,
 } from 'antd'
 import type { TableColumnsType } from 'antd'
-import { useState } from 'react'
+import { useEffect, useState } from 'react'
 import { useNavigate } from 'react-router'
 
 import JsonPreview from '@/components/admin/JsonPreview'
+import ImageUpload from '@/components/files/ImageUpload'
 import ImagePreviewList from '@/components/files/ImagePreviewList'
 import PageHeader from '@/components/admin/PageHeader'
 import {
   acceptAdminWorkOrder,
   createAdminMockWorkOrder,
   creditAdminWorkerWallet,
+  fetchAdminWorkerFinanceConfig,
+  fetchAdminWorkerFinanceRequests,
   fetchAdminWorkCategories,
   fetchAdminWorkProductRules,
   fetchAdminWorkerLevels,
@@ -46,13 +49,16 @@ import {
   fetchAdminWorkOrders,
   markAdminWorkOrderProblem,
   publishAdminWorkOrder,
+  reviewAdminWorkerFinanceRequest,
   resolveAdminProblemWorkOrder,
   reviewAdminWorkerUser,
+  saveAdminWorkerFinanceConfig,
   saveAdminWorkCategory,
   saveAdminWorkProductRule,
   saveAdminWorkerLevel,
   submitAdminWorkOrderMaterial,
   syncAdminWorkerOrdersFromSource,
+  unpublishAdminWorkOrder,
 } from '@/services/admin'
 import type {
   CollectField,
@@ -60,6 +66,8 @@ import type {
   WorkCategory,
   WorkOrder,
   WorkProductRule,
+  WorkerFinanceConfig,
+  WorkerFinanceRequest,
   WorkerLevel,
   WorkerUser,
 } from '@/types/worker-platform'
@@ -69,6 +77,23 @@ import {
 } from '@/utils/admin-pagination'
 import { formatAdminDateTime } from '@/utils/admin-time'
 
+type FinanceConfigFormValues = {
+  recharge?: {
+    enabled?: boolean
+    channelName?: string
+    accountName?: string
+    accountNo?: string
+    qrCodeImageList?: UploadedFile[]
+    instructions?: string
+  }
+  withdraw?: {
+    enabled?: boolean
+    instructions?: string
+  }
+}
+
+type FinanceReviewAction = 'approved' | 'rejected' | 'cancelled'
+
 export default function AdminWorkerPlatformPage() {
   return (
     <section className="page-stack">
@@ -84,6 +109,7 @@ export default function AdminWorkerPlatformPage() {
           { key: 'rules', label: '物品规则', children: <ProductRulesPanel /> },
           { key: 'categories', label: '分类', children: <CategoriesPanel /> },
           { key: 'workers', label: '打手', children: <WorkersPanel /> },
+          { key: 'finance', label: '资金', children: <FinancePanel /> },
           { key: 'levels', label: '等级权限', children: <LevelsPanel /> },
         ]}
       />
@@ -123,7 +149,7 @@ function SummaryCards() {
 }
 
 function WorkOrdersPanel() {
-  const { message } = App.useApp()
+  const { message, modal } = App.useApp()
   const navigate = useNavigate()
   const queryClient = useQueryClient()
   const [status, setStatus] = useState('')
@@ -329,6 +355,26 @@ function WorkOrdersPanel() {
               发布
             </Button>
           ) : null}
+          {row.status === 'open' ? (
+            <Button
+              danger
+              onClick={() => {
+                modal.confirm({
+                  title: '确认下架该订单？',
+                  content: '下架后订单会回到未分配状态，不再在抢单大厅展示。',
+                  okText: '确认下架',
+                  cancelText: '取消',
+                  onOk: () =>
+                    runAction(
+                      () => unpublishAdminWorkOrder(row.workOrderId),
+                      '订单已撤回到未分配',
+                    ),
+                })
+              }}
+            >
+              下架
+            </Button>
+          ) : null}
           {row.status === 'pending_acceptance' ? (
             <Button
               icon={<CheckOutlined />}
@@ -1088,12 +1134,18 @@ function WorkersPanel() {
   const [page, setPage] = useState(1)
   const [pageSize, setPageSize] = useState(ADMIN_DEFAULT_PAGE_SIZE)
   const [creditWorker, setCreditWorker] = useState<WorkerUser | null>(null)
+  const [levelWorker, setLevelWorker] = useState<WorkerUser | null>(null)
   const [creditForm] = Form.useForm()
+  const [levelForm] = Form.useForm<{ levelId?: number }>()
 
   const workersQuery = useQuery({
     queryKey: ['admin-worker-platform-workers', status, page, pageSize],
     queryFn: () => fetchAdminWorkerUsers({ status, page, pageSize }),
   })
+  const levelsQuery = useQuery({
+    queryKey: ['admin-worker-platform-levels'],
+    queryFn: () => fetchAdminWorkerLevels(),
+  })
   const workersPagination = workersQuery.data?.data.pagination
 
   async function refreshWorkers() {
@@ -1133,6 +1185,23 @@ function WorkersPanel() {
     }
   }
 
+  async function submitLevel(values: { levelId?: number }) {
+    if (!levelWorker) return
+    try {
+      await reviewAdminWorkerUser(levelWorker.workerId, {
+        status: levelWorker.status,
+        levelId: Number(values.levelId || 0),
+        reviewNote: levelWorker.reviewNote,
+      })
+      message.success('打手等级已更新')
+      setLevelWorker(null)
+      levelForm.resetFields()
+      await refreshWorkers()
+    } catch (error) {
+      message.error(error instanceof Error ? error.message : '调整等级失败')
+    }
+  }
+
   const columns: TableColumnsType<WorkerUser> = [
     {
       title: '打手',
@@ -1168,7 +1237,7 @@ function WorkersPanel() {
     },
     {
       title: '操作',
-      width: 260,
+      width: 340,
       render: (_, row) => (
         <Space wrap>
           {row.status !== 'active' ? (
@@ -1177,6 +1246,16 @@ function WorkersPanel() {
           {row.status !== 'rejected' ? (
             <Button onClick={() => review(row, 'rejected')}>拒绝</Button>
           ) : null}
+          <Button
+            onClick={() => {
+              setLevelWorker(row)
+              levelForm.setFieldsValue({
+                levelId: row.level?.levelId,
+              })
+            }}
+          >
+            调等级
+          </Button>
           <Button onClick={() => setCreditWorker(row)}>充值</Button>
         </Space>
       ),
@@ -1231,6 +1310,38 @@ function WorkersPanel() {
         scroll={{ x: 1000 }}
       />
 
+      <Modal
+        title="调整打手等级"
+        open={Boolean(levelWorker)}
+        onCancel={() => {
+          setLevelWorker(null)
+          levelForm.resetFields()
+        }}
+        onOk={() => levelForm.submit()}
+        destroyOnHidden
+      >
+        <Form form={levelForm} layout="vertical" onFinish={submitLevel}>
+          <Form.Item label="打手">
+            <Typography.Text>
+              {levelWorker?.displayName || levelWorker?.username || '-'}
+            </Typography.Text>
+          </Form.Item>
+          <Form.Item
+            label="目标等级"
+            name="levelId"
+            rules={[{ required: true, message: '请选择目标等级' }]}
+          >
+            <Select
+              loading={levelsQuery.isLoading}
+              options={(levelsQuery.data?.data.items || []).map((item) => ({
+                value: item.levelId,
+                label: `${item.name} / 最多同时 ${item.maxActiveOrders} 单`,
+              }))}
+            />
+          </Form.Item>
+        </Form>
+      </Modal>
+
       <Modal
         title="人工增加余额"
         open={Boolean(creditWorker)}
@@ -1263,6 +1374,408 @@ function WorkersPanel() {
   )
 }
 
+function FinancePanel() {
+  const { message } = App.useApp()
+  const queryClient = useQueryClient()
+  const [configForm] = Form.useForm<FinanceConfigFormValues>()
+  const [reviewForm] = Form.useForm<{ reviewedNote?: string }>()
+  const [requestStatus, setRequestStatus] = useState('')
+  const [requestType, setRequestType] = useState('')
+  const [keywordInput, setKeywordInput] = useState('')
+  const [keyword, setKeyword] = useState('')
+  const [page, setPage] = useState(1)
+  const [pageSize, setPageSize] = useState(ADMIN_DEFAULT_PAGE_SIZE)
+  const [savingConfig, setSavingConfig] = useState(false)
+  const [reviewing, setReviewing] = useState(false)
+  const [reviewState, setReviewState] = useState<{
+    action: FinanceReviewAction
+    request: WorkerFinanceRequest
+  } | null>(null)
+
+  const financeConfigQuery = useQuery({
+    queryKey: ['admin-worker-platform-finance-config'],
+    queryFn: () => fetchAdminWorkerFinanceConfig(),
+  })
+  const financeRequestsQuery = useQuery({
+    queryKey: [
+      'admin-worker-platform-finance-requests',
+      requestStatus,
+      requestType,
+      keyword,
+      page,
+      pageSize,
+    ],
+    queryFn: () =>
+      fetchAdminWorkerFinanceRequests({
+        status: requestStatus,
+        requestType,
+        keyword,
+        page,
+        pageSize,
+      }),
+  })
+  const financeRequestsPagination = financeRequestsQuery.data?.data.pagination
+
+  useEffect(() => {
+    const config = financeConfigQuery.data?.data
+    if (!config) {
+      return
+    }
+    configForm.setFieldsValue(mapFinanceConfigToFormValues(config))
+  }, [financeConfigQuery.data, configForm])
+
+  async function refreshAll() {
+    await Promise.all([
+      queryClient.invalidateQueries({
+        queryKey: ['admin-worker-platform-finance-config'],
+      }),
+      queryClient.invalidateQueries({
+        queryKey: ['admin-worker-platform-finance-requests'],
+      }),
+      queryClient.invalidateQueries({
+        queryKey: ['admin-worker-platform-workers'],
+      }),
+    ])
+  }
+
+  async function submitFinanceConfig(values: FinanceConfigFormValues) {
+    setSavingConfig(true)
+    try {
+      await saveAdminWorkerFinanceConfig({
+        recharge: {
+          enabled: values.recharge?.enabled !== false,
+          channelName: String(values.recharge?.channelName || '').trim(),
+          accountName: String(values.recharge?.accountName || '').trim(),
+          accountNo: String(values.recharge?.accountNo || '').trim(),
+          qrCodeImage: values.recharge?.qrCodeImageList?.[0] || null,
+          instructions: String(values.recharge?.instructions || '').trim(),
+        },
+        withdraw: {
+          enabled: values.withdraw?.enabled !== false,
+          instructions: String(values.withdraw?.instructions || '').trim(),
+        },
+      })
+      message.success('资金配置已保存')
+      await refreshAll()
+    } catch (error) {
+      message.error(error instanceof Error ? error.message : '保存资金配置失败')
+    } finally {
+      setSavingConfig(false)
+    }
+  }
+
+  function openReviewModal(request: WorkerFinanceRequest, action: FinanceReviewAction) {
+    setReviewState({ request, action })
+    reviewForm.setFieldsValue({ reviewedNote: '' })
+  }
+
+  async function submitFinanceReview(values: { reviewedNote?: string }) {
+    if (!reviewState) return
+    setReviewing(true)
+    try {
+      await reviewAdminWorkerFinanceRequest(reviewState.request.requestId, {
+        status: reviewState.action,
+        reviewedNote: String(values.reviewedNote || '').trim(),
+      })
+      message.success(`${formatFinanceReviewAction(reviewState.action)}成功`)
+      setReviewState(null)
+      reviewForm.resetFields()
+      await refreshAll()
+    } catch (error) {
+      message.error(error instanceof Error ? error.message : '处理资金申请失败')
+    } finally {
+      setReviewing(false)
+    }
+  }
+
+  const requestColumns: TableColumnsType<WorkerFinanceRequest> = [
+    {
+      title: '打手',
+      minWidth: 180,
+      render: (_, row) => (
+        <div className="cell-stack">
+          <Typography.Text strong>
+            {row.worker?.displayName || row.worker?.username || '-'}
+          </Typography.Text>
+          <Typography.Text type="secondary">
+            {row.worker?.username || '-'}
+          </Typography.Text>
+        </div>
+      ),
+    },
+    {
+      title: '类型',
+      width: 120,
+      render: (_, row) => (
+        <Tag color={row.requestType === 'withdraw' ? 'green' : 'blue'}>
+          {formatFinanceRequestType(row.requestType)}
+        </Tag>
+      ),
+    },
+    {
+      title: '金额',
+      width: 120,
+      render: (_, row) => formatMoney(row.amount),
+    },
+    {
+      title: '收款信息',
+      minWidth: 240,
+      render: (_, row) => renderFinanceRequestAccount(row),
+    },
+    {
+      title: '备注',
+      minWidth: 260,
+      render: (_, row) => (
+        <div className="cell-stack">
+          <Typography.Text>{row.note || '-'}</Typography.Text>
+          {row.reviewedNote ? (
+            <Typography.Text type="secondary">
+              审核备注：{row.reviewedNote}
+            </Typography.Text>
+          ) : null}
+        </div>
+      ),
+    },
+    {
+      title: '状态',
+      width: 120,
+      render: (_, row) => (
+        <Tag color={resolveFinanceRequestStatusColor(row.status)}>
+          {formatFinanceRequestStatus(row.status)}
+        </Tag>
+      ),
+    },
+    {
+      title: '时间',
+      width: 180,
+      render: (_, row) => (
+        <div className="cell-stack">
+          <Typography.Text>{formatAdminDateTime(row.createdAt)}</Typography.Text>
+          <Typography.Text type="secondary">
+            {row.reviewedAt ? `审核：${formatAdminDateTime(row.reviewedAt)}` : '待审核'}
+          </Typography.Text>
+        </div>
+      ),
+    },
+    {
+      title: '操作',
+      width: 240,
+      render: (_, row) =>
+        row.status === 'pending' ? (
+          <Space wrap>
+            <Button type="primary" onClick={() => openReviewModal(row, 'approved')}>
+              通过
+            </Button>
+            <Button onClick={() => openReviewModal(row, 'rejected')}>拒绝</Button>
+            <Button danger onClick={() => openReviewModal(row, 'cancelled')}>
+              取消
+            </Button>
+          </Space>
+        ) : (
+          <Typography.Text type="secondary">已处理</Typography.Text>
+        ),
+    },
+  ]
+
+  return (
+    <section className="platform-panel-stack">
+      <Card
+        title="资金配置"
+        bordered={false}
+        loading={financeConfigQuery.isLoading}
+        extra={
+          <Button
+            icon={<ReloadOutlined />}
+            loading={financeConfigQuery.isFetching}
+            onClick={() => financeConfigQuery.refetch()}
+          >
+            刷新
+          </Button>
+        }
+      >
+        {financeConfigQuery.error ? (
+          <Typography.Text type="danger">
+            {financeConfigQuery.error instanceof Error
+              ? financeConfigQuery.error.message
+              : '读取资金配置失败'}
+          </Typography.Text>
+        ) : null}
+        <Form
+          form={configForm}
+          layout="vertical"
+          onFinish={submitFinanceConfig}
+          initialValues={mapFinanceConfigToFormValues()}
+        >
+          <Card title="充值入口" size="small" style={{ marginBottom: 16 }}>
+            <Form.Item
+              label="开启充值申请"
+              name={['recharge', 'enabled']}
+              valuePropName="checked"
+            >
+              <Switch />
+            </Form.Item>
+            <Form.Item label="收款通道名称" name={['recharge', 'channelName']}>
+              <Input placeholder="如：支付宝扫码、微信收款" />
+            </Form.Item>
+            <Form.Item label="收款人" name={['recharge', 'accountName']}>
+              <Input placeholder="请输入收款人姓名" />
+            </Form.Item>
+            <Form.Item label="收款账号" name={['recharge', 'accountNo']}>
+              <Input placeholder="请输入支付宝账号、微信号或银行卡号" />
+            </Form.Item>
+            <Form.Item label="收款二维码" name={['recharge', 'qrCodeImageList']}>
+              <ImageUpload scene="worker-finance" scope="admin" maxCount={1} />
+            </Form.Item>
+            <Form.Item label="充值说明" name={['recharge', 'instructions']}>
+              <Input.TextArea
+                rows={4}
+                placeholder="例如：转账后请填写付款时间、付款尾号、截图说明。"
+              />
+            </Form.Item>
+          </Card>
+
+          <Card title="提现入口" size="small" style={{ marginBottom: 16 }}>
+            <Form.Item
+              label="开启提现申请"
+              name={['withdraw', 'enabled']}
+              valuePropName="checked"
+            >
+              <Switch />
+            </Form.Item>
+            <Form.Item label="提现说明" name={['withdraw', 'instructions']}>
+              <Input.TextArea
+                rows={4}
+                placeholder="例如：每天 18:00 前审核，当日打款；银行卡请备注开户行。"
+              />
+            </Form.Item>
+          </Card>
+
+          <Button type="primary" htmlType="submit" loading={savingConfig}>
+            保存配置
+          </Button>
+        </Form>
+      </Card>
+
+      <Card
+        title="资金申请"
+        bordered={false}
+        extra={
+          <Space wrap>
+            <Input.Search
+              allowClear
+              value={keywordInput}
+              placeholder="搜索打手账号/昵称/手机号"
+              style={{ width: 240 }}
+              onChange={(event) => setKeywordInput(event.target.value)}
+              onSearch={(value) => {
+                setKeyword(String(value || '').trim())
+                setPage(1)
+              }}
+            />
+            <Select
+              value={requestType}
+              style={{ width: 140 }}
+              options={[
+                { value: '', label: '全部类型' },
+                { value: 'recharge', label: '充值申请' },
+                { value: 'withdraw', label: '提现申请' },
+              ]}
+              onChange={(nextType) => {
+                setRequestType(nextType)
+                setPage(1)
+              }}
+            />
+            <Select
+              value={requestStatus}
+              style={{ width: 140 }}
+              options={[
+                { value: '', label: '全部状态' },
+                { value: 'pending', label: '待处理' },
+                { value: 'approved', label: '已通过' },
+                { value: 'rejected', label: '已拒绝' },
+                { value: 'cancelled', label: '已取消' },
+              ]}
+              onChange={(nextStatus) => {
+                setRequestStatus(nextStatus)
+                setPage(1)
+              }}
+            />
+            <Button
+              icon={<ReloadOutlined />}
+              loading={financeRequestsQuery.isFetching}
+              onClick={() => financeRequestsQuery.refetch()}
+            >
+              刷新
+            </Button>
+          </Space>
+        }
+      >
+        <Table<WorkerFinanceRequest>
+          rowKey="requestId"
+          loading={financeRequestsQuery.isLoading}
+          dataSource={financeRequestsQuery.data?.data.items || []}
+          columns={requestColumns}
+          pagination={buildAdminTablePagination({
+            current: financeRequestsPagination?.page || page,
+            pageSize: financeRequestsPagination?.pageSize || pageSize,
+            total: financeRequestsPagination?.total || 0,
+            onChange: (nextPage, nextPageSize) => {
+              setPage(nextPage)
+              setPageSize(nextPageSize)
+            },
+          })}
+          scroll={{ x: 1380 }}
+        />
+      </Card>
+
+      <Modal
+        title={reviewState ? `${formatFinanceReviewAction(reviewState.action)}资金申请` : '处理资金申请'}
+        open={Boolean(reviewState)}
+        destroyOnHidden
+        confirmLoading={reviewing}
+        onCancel={() => {
+          setReviewState(null)
+          reviewForm.resetFields()
+        }}
+        onOk={() => reviewForm.submit()}
+      >
+        {reviewState ? (
+          <Space direction="vertical" size={16} className="full-width">
+            <Descriptions column={1} bordered size="small">
+              <Descriptions.Item label="打手">
+                {reviewState.request.worker?.displayName ||
+                  reviewState.request.worker?.username ||
+                  '-'}
+              </Descriptions.Item>
+              <Descriptions.Item label="申请类型">
+                {formatFinanceRequestType(reviewState.request.requestType)}
+              </Descriptions.Item>
+              <Descriptions.Item label="金额">
+                {formatMoney(reviewState.request.amount)}
+              </Descriptions.Item>
+              <Descriptions.Item label="收款信息">
+                {renderFinanceRequestAccountText(reviewState.request)}
+              </Descriptions.Item>
+              <Descriptions.Item label="申请备注">
+                {reviewState.request.note || '-'}
+              </Descriptions.Item>
+            </Descriptions>
+
+            <Form form={reviewForm} layout="vertical" onFinish={submitFinanceReview}>
+              <Form.Item label="审核备注" name="reviewedNote">
+                <Input.TextArea
+                  rows={4}
+                  placeholder={`请输入${formatFinanceReviewAction(reviewState.action)}备注`}
+                />
+              </Form.Item>
+            </Form>
+          </Space>
+        ) : null}
+      </Modal>
+    </section>
+  )
+}
+
 function LevelsPanel() {
   const { message } = App.useApp()
   const queryClient = useQueryClient()
@@ -1556,3 +2069,115 @@ function formatWorkerStatus(status: string) {
   }
   return labels[status] || status
 }
+
+function mapFinanceConfigToFormValues(
+  config?: WorkerFinanceConfig,
+): FinanceConfigFormValues {
+  return {
+    recharge: {
+      enabled: config?.recharge.enabled !== false,
+      channelName: config?.recharge.channelName || '',
+      accountName: config?.recharge.accountName || '',
+      accountNo: config?.recharge.accountNo || '',
+      qrCodeImageList: config?.recharge.qrCodeImage ? [config.recharge.qrCodeImage] : [],
+      instructions: config?.recharge.instructions || '',
+    },
+    withdraw: {
+      enabled: config?.withdraw.enabled !== false,
+      instructions: config?.withdraw.instructions || '',
+    },
+  }
+}
+
+function formatFinanceReviewAction(action: FinanceReviewAction) {
+  if (action === 'approved') return '通过'
+  if (action === 'rejected') return '拒绝'
+  return '取消'
+}
+
+function formatFinanceRequestType(requestType: string) {
+  if (requestType === 'recharge') return '充值申请'
+  if (requestType === 'withdraw') return '提现申请'
+  return requestType || '-'
+}
+
+function formatFinanceRequestStatus(status: string) {
+  const labels: Record<string, string> = {
+    pending: '待处理',
+    approved: '已通过',
+    rejected: '已拒绝',
+    cancelled: '已取消',
+  }
+  return labels[status] || status || '-'
+}
+
+function resolveFinanceRequestStatusColor(status: string) {
+  if (status === 'approved') return 'green'
+  if (status === 'pending') return 'gold'
+  if (status === 'rejected') return 'red'
+  if (status === 'cancelled') return 'default'
+  return 'blue'
+}
+
+function renderFinanceRequestAccount(request: WorkerFinanceRequest) {
+  return (
+    <div className="cell-stack">
+      <Typography.Text>{renderFinanceRequestAccountText(request)}</Typography.Text>
+      {request.requestType === 'withdraw' && request.accountNo ? (
+        <Typography.Text type="secondary">
+          {maskFinanceAccount(request.accountNo)}
+        </Typography.Text>
+      ) : null}
+    </div>
+  )
+}
+
+function renderFinanceRequestAccountText(request: WorkerFinanceRequest) {
+  if (request.requestType === 'withdraw') {
+    const channel = formatFinanceChannel(request.accountChannel)
+    const accountName = request.accountName || '-'
+    return `${channel} / ${accountName}`
+  }
+
+  const rechargeSnapshot = getRechargeSnapshot(request)
+  if (
+    rechargeSnapshot.channelName ||
+    rechargeSnapshot.accountName ||
+    rechargeSnapshot.accountNo
+  ) {
+    return [
+      rechargeSnapshot.channelName,
+      rechargeSnapshot.accountName,
+      rechargeSnapshot.accountNo ? maskFinanceAccount(rechargeSnapshot.accountNo) : '',
+    ]
+      .filter(Boolean)
+      .join(' / ')
+  }
+
+  return '线下充值，等待管理员核对'
+}
+
+function getRechargeSnapshot(request: WorkerFinanceRequest) {
+  const payload = asRecord(request.payload)
+  const financeConfig = asRecord(payload.financeConfig)
+  return {
+    channelName: String(financeConfig.channelName || '').trim(),
+    accountName: String(financeConfig.accountName || '').trim(),
+    accountNo: String(financeConfig.accountNo || '').trim(),
+  }
+}
+
+function formatFinanceChannel(channel: string) {
+  if (channel === 'alipay') return '支付宝'
+  if (channel === 'wechat') return '微信收款'
+  if (channel === 'bank') return '银行卡'
+  if (channel === 'manual') return '线下转账'
+  return channel || '-'
+}
+
+function maskFinanceAccount(value: string) {
+  const text = String(value || '').trim()
+  if (!text) return '-'
+  if (text.length <= 8) return text
+  return `${text.slice(0, 4)} **** ${text.slice(-4)}`
+}

apps/frontend/src/pages/worker/WorkerProfilePage.tsx

@@ -19,6 +19,7 @@ import {
   Descriptions,
   Empty,
   Form,
+  Image,
   Input,
   InputNumber,
   Modal,
@@ -113,6 +114,7 @@ export default function WorkerProfilePage() {
 
   const worker = profileQuery.data?.data.worker
   const summary = profileQuery.data?.data.summary
+  const financeConfig = profileQuery.data?.data.financeConfig
   const canUseFinanceActions = worker?.status === 'active'
 
   const ledgersQuery = useQuery({
@@ -179,6 +181,30 @@ export default function WorkerProfilePage() {
     setActiveTab('requests')
   }
 
+  function openRechargeModal() {
+    if (!canUseFinanceActions) {
+      message.warning('当前账号尚未通过审核，暂时不能发起充值申请')
+      return
+    }
+    if (financeConfig?.recharge.enabled === false) {
+      message.warning('当前充值入口暂未开放，请联系管理员')
+      return
+    }
+    setRechargeOpen(true)
+  }
+
+  function openWithdrawModal() {
+    if (!canUseFinanceActions) {
+      message.warning('当前账号尚未通过审核，暂时不能发起提现申请')
+      return
+    }
+    if (financeConfig?.withdraw.enabled === false) {
+      message.warning('当前提现入口暂未开放，请联系管理员')
+      return
+    }
+    setWithdrawOpen(true)
+  }
+
   async function submitRecharge(values: RechargeFormValues) {
     setSubmittingRecharge(true)
     try {
@@ -327,7 +353,7 @@ export default function WorkerProfilePage() {
             </Typography.Text>
           </div>
         ) : (
-          <Typography.Text type="secondary">线下充值，等待管理员入账</Typography.Text>
+          renderRechargeRequestSummary(row)
         ),
     },
     {
@@ -452,7 +478,7 @@ export default function WorkerProfilePage() {
                 type="primary"
                 icon={<WalletOutlined />}
                 disabled={!canUseFinanceActions}
-                onClick={() => setRechargeOpen(true)}
+                onClick={openRechargeModal}
               >
                 充值申请
               </Button>
@@ -460,7 +486,7 @@ export default function WorkerProfilePage() {
                 type="primary"
                 icon={<BankOutlined />}
                 disabled={!canUseFinanceActions}
-                onClick={() => setWithdrawOpen(true)}
+                onClick={openWithdrawModal}
               >
                 提现申请
               </Button>
@@ -549,6 +575,7 @@ export default function WorkerProfilePage() {
                           options={[
                             { value: '', label: '全部流水' },
                             { value: 'manual_credit', label: '人工充值' },
+                            { value: 'withdraw_paid', label: '提现打款' },
                             { value: 'deposit_freeze', label: '冻结押金' },
                             { value: 'deposit_release', label: '释放押金' },
                             { value: 'deposit_deduction', label: '扣除押金' },
@@ -697,6 +724,51 @@ export default function WorkerProfilePage() {
           initialValues={{ amount: undefined, note: '' }}
           onFinish={submitRecharge}
         >
+          <Alert
+            showIcon
+            type={hasRechargeConfig(financeConfig) ? 'info' : 'warning'}
+            message={
+              hasRechargeConfig(financeConfig)
+                ? '请先按下方收款信息完成转账，再提交充值申请，管理员核对后会手动入账。'
+                : '管理员暂未配置完整收款信息，如无法转账请先联系管理员确认。'
+            }
+          />
+          <Space
+            direction="vertical"
+            size={12}
+            className="full-width"
+            style={{ marginTop: 16, marginBottom: 16 }}
+          >
+            {financeConfig?.recharge.qrCodeImage ? (
+              <Image
+                width={180}
+                src={
+                  financeConfig.recharge.qrCodeImage.mediumUrl ||
+                  financeConfig.recharge.qrCodeImage.url
+                }
+              />
+            ) : null}
+            <Descriptions column={1} bordered size="small">
+              <Descriptions.Item label="收款通道">
+                {financeConfig?.recharge.channelName || '-'}
+              </Descriptions.Item>
+              <Descriptions.Item label="收款人">
+                {financeConfig?.recharge.accountName || '-'}
+              </Descriptions.Item>
+              <Descriptions.Item label="收款账号">
+                {financeConfig?.recharge.accountNo ? (
+                  <Typography.Text copyable>
+                    {financeConfig.recharge.accountNo}
+                  </Typography.Text>
+                ) : (
+                  '-'
+                )}
+              </Descriptions.Item>
+              <Descriptions.Item label="充值说明">
+                {financeConfig?.recharge.instructions || '请转账后填写备注说明，方便管理员核对。'}
+              </Descriptions.Item>
+            </Descriptions>
+          </Space>
           <Form.Item
             label="充值金额"
             name="amount"
@@ -730,6 +802,14 @@ export default function WorkerProfilePage() {
           initialValues={{ accountChannel: 'alipay' }}
           onFinish={submitWithdraw}
         >
+          {financeConfig?.withdraw.instructions ? (
+            <Alert
+              showIcon
+              type="info"
+              message={financeConfig.withdraw.instructions}
+              style={{ marginBottom: 16 }}
+            />
+          ) : null}
           <Form.Item label="可提现余额">
             <Typography.Text strong>
               {formatMoney(resolveAvailableForWithdraw(worker, summary))}
@@ -962,6 +1042,7 @@ function resolveWorkerStatusColor(status: string) {
 function formatLedgerType(ledgerType: string) {
   const labels: Record<string, string> = {
     manual_credit: '人工充值',
+    withdraw_paid: '提现打款',
     deposit_freeze: '冻结押金',
     deposit_release: '释放押金',
     deposit_deduction: '扣除押金',
@@ -972,6 +1053,7 @@ function formatLedgerType(ledgerType: string) {
 
 function resolveLedgerTagColor(ledgerType: string) {
   if (ledgerType === 'manual_credit') return 'blue'
+  if (ledgerType === 'withdraw_paid') return 'purple'
   if (ledgerType === 'deposit_freeze') return 'gold'
   if (ledgerType === 'deposit_release') return 'green'
   if (ledgerType === 'deposit_deduction') return 'red'
@@ -995,6 +1077,46 @@ function formatRequestStatus(status: string) {
   return labels[status] || status || '-'
 }
 
+function hasRechargeConfig(
+  financeConfig: {
+    recharge?: { accountName?: string; accountNo?: string; qrCodeImage?: unknown }
+  } | undefined,
+) {
+  return Boolean(
+    financeConfig?.recharge?.accountName ||
+      financeConfig?.recharge?.accountNo ||
+      financeConfig?.recharge?.qrCodeImage,
+  )
+}
+
+function renderRechargeRequestSummary(row: WorkerFinanceRequest) {
+  const snapshot = getRechargeSnapshot(row)
+  if (!snapshot.channelName && !snapshot.accountName && !snapshot.accountNo) {
+    return <Typography.Text type="secondary">线下充值，等待管理员入账</Typography.Text>
+  }
+
+  return (
+    <div className="cell-stack">
+      <Typography.Text>
+        {[snapshot.channelName, snapshot.accountName].filter(Boolean).join(' / ') || '线下充值'}
+      </Typography.Text>
+      <Typography.Text type="secondary">
+        {snapshot.accountNo ? maskAccountNo(snapshot.accountNo) : '等待管理员核对'}
+      </Typography.Text>
+    </div>
+  )
+}
+
+function getRechargeSnapshot(row: WorkerFinanceRequest) {
+  const payload = asRecord(row.payload)
+  const financeConfig = asRecord(payload.financeConfig)
+  return {
+    channelName: String(financeConfig.channelName || '').trim(),
+    accountName: String(financeConfig.accountName || '').trim(),
+    accountNo: String(financeConfig.accountNo || '').trim(),
+  }
+}
+
 function resolveRequestStatusColor(status: string) {
   if (status === 'approved') return 'green'
   if (status === 'pending') return 'gold'
@@ -1016,3 +1138,9 @@ function maskAccountNo(value: string) {
   if (text.length <= 8) return text
   return `${text.slice(0, 4)} **** ${text.slice(-4)}`
 }
+
+function asRecord(value: unknown): Record<string, unknown> {
+  return value && typeof value === 'object' && !Array.isArray(value)
+    ? (value as Record<string, unknown>)
+    : {}
+}

apps/frontend/src/services/admin/worker-platform.ts

@@ -3,6 +3,8 @@ import type {
   WorkCategory,
   WorkOrder,
   WorkProductRule,
+  WorkerFinanceConfig,
+  WorkerFinanceRequest,
   WorkerLevel,
   WorkerListResponse,
   WorkerUser,
@@ -110,6 +112,44 @@ export function creditAdminWorkerWallet(
   )
 }
 
+export function fetchAdminWorkerFinanceConfig() {
+  return apiGet<WorkerFinanceConfig>('/api/v1/admin/worker-platform/finance-config')
+}
+
+export function saveAdminWorkerFinanceConfig(payload: {
+  recharge?: {
+    enabled?: boolean
+    channelName?: string
+    accountName?: string
+    accountNo?: string
+    qrCodeImage?: unknown
+    instructions?: string
+  }
+  withdraw?: {
+    enabled?: boolean
+    instructions?: string
+  }
+}) {
+  return apiPost<WorkerFinanceConfig>('/api/v1/admin/worker-platform/finance-config', payload)
+}
+
+export function fetchAdminWorkerFinanceRequests(params?: Record<string, unknown>) {
+  return apiGet<WorkerListResponse<WorkerFinanceRequest>>(
+    '/api/v1/admin/worker-platform/finance-requests',
+    params,
+  )
+}
+
+export function reviewAdminWorkerFinanceRequest(
+  requestId: number,
+  payload: { status: 'approved' | 'rejected' | 'cancelled'; reviewedNote?: string; note?: string },
+) {
+  return apiPost<{ request: WorkerFinanceRequest }>(
+    `/api/v1/admin/worker-platform/finance-requests/${requestId}/review`,
+    payload,
+  )
+}
+
 export function fetchAdminWorkOrders(params?: Record<string, unknown>) {
   return apiGet<WorkerListResponse<WorkOrder>>(
     '/api/v1/admin/worker-platform/orders',
@@ -157,6 +197,12 @@ export function publishAdminWorkOrder(workOrderId: number) {
   )
 }
 
+export function unpublishAdminWorkOrder(workOrderId: number) {
+  return apiPost<{ order: WorkOrder }>(
+    `/api/v1/admin/worker-platform/orders/${workOrderId}/unpublish`,
+  )
+}
+
 export function markAdminWorkOrderProblem(workOrderId: number, note: string) {
   return apiPost<{ order: WorkOrder }>(
     `/api/v1/admin/worker-platform/orders/${workOrderId}/problem`,

apps/frontend/src/types/worker-platform.ts

@@ -59,12 +59,34 @@ export type WorkerFinanceRequest = {
   createdAt: string
   updatedAt: string
   reviewedAt: string | null
+  worker: null | {
+    workerId: number
+    username: string
+    displayName: string
+    phone: string
+  }
+}
+
+export type WorkerFinanceConfig = {
+  recharge: {
+    enabled: boolean
+    channelName: string
+    accountName: string
+    accountNo: string
+    qrCodeImage: UploadedFile | null
+    instructions: string
+  }
+  withdraw: {
+    enabled: boolean
+    instructions: string
+  }
 }
 
 export type WorkerProfileResponse = {
   worker: WorkerUser
   permissions: Record<string, unknown>
   summary: WorkerProfileSummary
+  financeConfig: WorkerFinanceConfig
 }
 
 export type WorkerLevel = {