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支付宝/微信绑定信息

zhuli преди 1 седмица
родител
ревизия
8515663d5f

+ 31 - 0
src/api/modules/businessInfo.ts

@@ -31,3 +31,34 @@ export const getPaymentApplyment = (applymentId: string | number) => {
   const id = encodeURIComponent(String(applymentId).trim());
   return httpLogin.get(`alienStore/payment/wechatPartner/v3/applyment4sub/applyment/applyment_id/${id}`);
 };
+
+/** 支付宝直付通图片上传:multipart,字段 image_type + image_content(二进制) */
+export interface UploadAlipayImageParams {
+  /** 图片格式扩展名,3~16 字符,如 jpg、png(支持 bmp、jpg、jpeg、png、gif) */
+  imageType: string;
+  /** 图片原始二进制流 */
+  imageContent: Blob | File;
+  storeId?: string | number | null;
+}
+
+export const uploadAlipayImage = (params: UploadAlipayImageParams, axiosConfig?: object) => {
+  const fd = new FormData();
+  const { imageType, imageContent, storeId } = params;
+  if (storeId !== undefined && storeId !== null && String(storeId).trim() !== "") {
+    fd.append("storeId", String(storeId));
+  }
+  fd.append("imageType", imageType);
+  fd.append("imageContent", imageContent);
+  return httpLogin.post(`alienStore/store/alipay/zft/image/upload`, fd, {
+    encrypt: false,
+    ...axiosConfig
+  });
+};
+
+export const getAlipayZftCreate = (params: any) => {
+  return httpLogin.post(`alienStore/store/alipay/zft/create`, params);
+};
+
+export const getAlipayExamine = (params: any) => {
+  return httpLogin.post(`alienStore/store/alipay/zft/order/query`, params);
+};

+ 4 - 0
src/assets/images/aliIcon.svg

@@ -0,0 +1,4 @@
+<svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg">
+<rect width="20" height="20" rx="4" fill="#3386FF"/>
+<path d="M10.5571 10.6307C4.93455 8.36098 3.27909 9.70237 2.82724 9.96026C-0.936511 12.6944 2.57633 15.7896 3.17853 15.9959C7.14401 16.9245 9.75374 15.1705 11.5108 13.0039C11.6613 13.1062 11.7115 13.1062 11.8119 13.1586C13.0165 13.8293 18.8891 16.6666 18.8891 16.6666V13.2618C17.9856 13.2618 14.8235 12.1269 12.4642 11.353C13.6688 9.08325 14.1207 6.91664 14.1207 6.91664H10.0552V5.31736H14.924V4.64667H10.0552V2.22217H7.84678V4.59509H3.42964V5.31736H7.84678V6.91664H4.08302V7.58734H11.6615M9.55321 12.3328C6.79253 15.9443 3.48082 14.8092 2.92761 14.6029C1.62264 14.1388 1.17079 11.7658 2.82724 10.992C5.58793 10.0634 8.04731 11.0943 9.80413 12.0237C9.72697 12.1321 9.64316 12.2353 9.55321 12.3328Z" fill="white"/>
+</svg>

+ 4 - 0
src/assets/images/wechartIcon.svg

@@ -0,0 +1,4 @@
+<svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg">
+<rect width="20" height="20" rx="4" fill="#04DC00"/>
+<path d="M9.1038 11.4409C8.37226 11.8425 8.26376 11.2155 8.26376 11.2155L7.34693 9.10871C6.99416 8.1076 7.65225 8.65732 7.65225 8.65732C7.65225 8.65732 8.21691 9.07797 8.64546 9.3343C9.07378 9.59063 9.562 9.40955 9.562 9.40955L15.5558 6.68528C14.4499 5.33031 12.6232 4.44434 10.5551 4.44434C7.18006 4.44434 4.44434 6.80212 4.44434 9.71077C4.44434 11.3838 5.35022 12.8728 6.76124 13.838L6.50677 15.2784C6.50677 15.2784 6.38273 15.6989 6.81264 15.5038C7.10558 15.3708 7.85241 14.8943 8.29697 14.6043C8.99586 14.8441 9.75728 14.9773 10.5555 14.9773C13.9303 14.9773 16.6666 12.6195 16.6666 9.71078C16.6666 8.86829 16.436 8.07265 16.0276 7.36643C14.1179 8.49784 9.67621 11.1272 9.1038 11.4409Z" fill="white"/>
+</svg>

+ 1 - 1
src/views/businessInfo/accountInfo.vue

@@ -101,7 +101,7 @@
 
     <div class="footer-actions">
       <el-button @click="onBack"> 返回 </el-button>
-      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 下一步 </el-button>
+      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 确定 </el-button>
     </div>
   </div>
 </template>

+ 51 - 12
src/views/businessInfo/adminInfo.vue

@@ -192,27 +192,66 @@ function onSaveDraft() {
   ElMessage.success("草稿已保存(可对接接口)");
 }
 
-/** 与 mergeContactInfoIntoBusinessDataCache 字段互逆 */
-function hydrateAdminFormFromContactInfoCache() {
+/** 与 mergeContactInfoIntoBusinessDataCache 字段互逆;并从未填写的 subject_info 补全超管姓名/证件/类型 */
+function hydrateAdminFormFromBusinessDataCache() {
   const raw = localGet(BUSINESS_DATA_CACHE_KEY) as Record<string, unknown> | null | undefined;
   if (!raw || typeof raw !== "object" || Array.isArray(raw)) return;
+
   const ci = raw.contact_info as Record<string, unknown> | undefined;
-  if (!ci || typeof ci !== "object" || Array.isArray(ci)) return;
+  if (ci && typeof ci === "object" && !Array.isArray(ci)) {
+    const ct = String(ci.contact_type ?? "").trim();
+    if (ct === "LEGAL" || ct === "SUPER") {
+      form.managerIdentity = ct;
+    }
+    form.managerName = String(ci.contact_name ?? "").trim();
+    form.managerDocType = String(ci.contact_id_doc_type ?? "").trim();
+    form.managerDocNo = String(ci.contact_id_number ?? "").trim();
+    form.mobile = String(ci.mobile_phone ?? "").trim();
+    form.email = String(ci.contact_email ?? "").trim();
+  }
+
+  const hadContactTypeFromCi = !!(
+    ci &&
+    typeof ci === "object" &&
+    !Array.isArray(ci) &&
+    ["LEGAL", "SUPER"].includes(String(ci.contact_type ?? "").trim())
+  );
 
-  const ct = String(ci.contact_type ?? "").trim();
-  if (ct === "LEGAL" || ct === "SUPER") {
-    form.managerIdentity = ct;
+  const si = raw.subject_info as Record<string, unknown> | undefined;
+  if (!si || typeof si !== "object" || Array.isArray(si)) {
+    return;
   }
 
-  form.managerName = String(ci.contact_name ?? "").trim();
-  form.managerDocType = String(ci.contact_id_doc_type ?? "").trim();
-  form.managerDocNo = String(ci.contact_id_number ?? "").trim();
-  form.mobile = String(ci.mobile_phone ?? "").trim();
-  form.email = String(ci.contact_email ?? "").trim();
+  if (!hadContactTypeFromCi) {
+    const ctSi = String(si.contact_type ?? "").trim();
+    if (ctSi === "LEGAL" || ctSi === "SUPER") {
+      form.managerIdentity = ctSi;
+    }
+  }
+
+  const ii = si.identity_info as Record<string, unknown> | undefined;
+  const docType = ii && typeof ii === "object" && !Array.isArray(ii) ? String(ii.id_doc_type ?? "").trim() : "";
+  const ici =
+    ii && typeof ii === "object" && !Array.isArray(ii) ? (ii.id_card_info as Record<string, unknown> | undefined) : undefined;
+  const idNum = ici && typeof ici === "object" && !Array.isArray(ici) ? String(ici.id_card_number ?? "").trim() : "";
+  const idName = ici && typeof ici === "object" && !Array.isArray(ici) ? String(ici.id_card_name ?? "").trim() : "";
+
+  const bli = si.business_license_info as Record<string, unknown> | undefined;
+  const legalPerson = bli && typeof bli === "object" && !Array.isArray(bli) ? String(bli.legal_person ?? "").trim() : "";
+
+  if (!String(form.managerName || "").trim()) {
+    form.managerName = idName || legalPerson;
+  }
+  if (!String(form.managerDocNo || "").trim()) {
+    form.managerDocNo = idNum;
+  }
+  if (!String(form.managerDocType || "").trim()) {
+    form.managerDocType = docType || (idNum ? "IDENTIFICATION_TYPE_IDCARD" : "");
+  }
 }
 
 onMounted(() => {
-  hydrateAdminFormFromContactInfoCache();
+  hydrateAdminFormFromBusinessDataCache();
   nextTick(() => formRef.value?.clearValidate());
 });
 

+ 4383 - 0
src/views/businessInfo/category.json

@@ -0,0 +1,4383 @@
+{
+    "data": {
+        "childrenNodes": [
+            {
+                "childrenNodes": [
+                    {
+                        "childrenNodes": [],
+                        "code": "B0150",
+                        "creator": "john.wy",
+                        "description": "适用于提供眼科医疗相关服务的场所申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1724913433000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "眼科医疗服务",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 11,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0151",
+                        "creator": "john.wy",
+                        "description": "适用于提供口腔医疗相关服务的场所申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1724896295000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "口腔医疗服务",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 12,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0140",
+                        "creator": "john.wy",
+                        "description": "适用于药品的销售、配送等服务。如药店、药品生产商、销售商等。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1713922706000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "医药销售",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 1,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0149",
+                        "creator": "john.wy",
+                        "description": "适用于提供医疗美容相关服务的场所申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1724900615000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "医疗美容",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 10,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0152",
+                        "creator": "john.wy",
+                        "description": "适用于提供医学实验室及诊断中心的场所申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767822000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "医学实验室及诊断中心",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 13,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0141",
+                        "creator": "john.wy",
+                        "description": "适用于医疗器械的销售等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "医疗器械销售",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 2,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0153",
+                        "creator": "john.wy",
+                        "description": "适用于互联网医院主体/医疗服务平台提供在线看诊、疾病咨询等综合性线上医疗服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1631672817000,
+                        "level": 2,
+                        "modifier": "size.lsz",
+                        "name": "线上医疗服务",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 14,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0142",
+                        "creator": "john.wy",
+                        "description": "适用于保健辅助治疗器材的销售等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1723192335000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "健康食品/设备",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 3,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0154",
+                        "creator": "john.wy",
+                        "description": "适用于养老、医疗护理等相关的服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1602767922000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "护理机构服务",
+                        "needSpecialQual": false,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 15,
+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0143",
+                        "creator": "john.wy",
+                        "description": "适用于主体为公立医院提供的就医、健康咨询/问诊、医疗保健信息等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1680162439000,
+                        "level": 2,
+                        "modifier": "swl01119956",
+                        "name": "公立医院",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 4,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0155",
+                        "creator": "john.wy",
+                        "description": "适用于健康体检预约、专业体检机构、健康咨询等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1622187068000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "体检/健康咨询",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 16,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0144",
+                        "creator": "john.wy",
+                        "description": "适用于主体为社区卫生服务中心提供的就医、健康咨询/问诊、医疗保健信息等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767822000,
+                        "gmtModified": 1716961342000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "社区卫生服务中心/乡镇卫生院",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 5,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0156",
+                        "creator": "john.wy",
+                        "description": "其他医疗保健服务",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "其他医疗保健服务",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 17,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0145",
+                        "creator": "john.wy",
+                        "description": "适用于各级卫生行政机构、疾病控制机构,卫生监督机构、妇幼保健机构、慢性病防治机构、社区卫生服务机构及公共卫生研究机构",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1716965619000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "专业公共卫生机构",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 6,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0146",
+                        "creator": "john.wy",
+                        "description": "适用于主体为民营医院提供的就医、健康咨询/问诊、医疗保健信息等服务。",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "民营医院",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 7,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0147",
+                        "creator": "john.wy",
+                        "description": "适用于私人开业的医生诊治病人的场所申请使用",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1713926965000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "诊所",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 8,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0148",
+                        "creator": "john.wy",
+                        "description": "适用于个体行医的医护人员申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "个体医生",
+                        "needSpecialQual": true,
+                        "parentCode": "A0009",
+                        "parentName": "医疗卫生",
+                        "sortNum": 9,
+                        "special": true,
+                        "status": "VALID"
+                    }
+                ],
+                "code": "A0009",
+                "creator": "john.wy",
+                "description": "医疗卫生",
+                "display": true,
+                "door": true,
+                "gmtCreate": 1602767921000,
+                "gmtModified": 1602767922000,
+                "level": 1,
+                "modifier": "john.wy",
+                "name": "医疗卫生",
+                "needSpecialQual": false,
+                "parentCode": "ROOT",
+                "parentName": "根节点",
+                "sortNum": 9,
+                "special": false,
+                "status": "VALID"
+            },
+            {
+                "childrenNodes": [
+                    {
+                        "childrenNodes": [],
+                        "code": "B0127",
+                        "creator": "john.wy",
+                        "description": "适用于国内三大运营商以及获得虚拟运营商牌照的电信公司申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1723448663000,
+                        "level": 2,
+                        "modifier": "zxl01535939",
+                        "name": "电信运营商",
+                        "needSpecialQual": true,
+                        "parentCode": "A0007",
+                        "parentName": "网络通讯",
+                        "sortNum": 20,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0128",
+                        "creator": "john.wy",
+                        "description": "适用于付费电视服务申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1609816623000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "付费电视",
+                        "needSpecialQual": true,
+                        "parentCode": "A0007",
+                        "parentName": "网络通讯",
+                        "sortNum": 21,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0129",
+                        "creator": "john.wy",
+                        "description": "适用于网络电话、传真服务申请",
+                        "display": true,
+                        "door": false,
+                        "gmtCreate": 1602767822000,
+                        "gmtModified": 1602767823000,
+                        "level": 2,
+                        "modifier": "john.wy",
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+                        "parentCode": "A0002",
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+                        "status": "VALID"
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+                        "description": "适用于主售酒类的商户申请",
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+                        "name": "酒类",
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+                        "parentCode": "A0002",
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+                        "special": true,
+                        "status": "VALID"
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+                    {
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+                        "code": "B0024",
+                        "creator": "john.wy",
+                        "description": "适用于主售烟草制品/雪茄的商户申请",
+                        "display": true,
+                        "door": true,
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+                        "needSpecialQual": true,
+                        "parentCode": "A0002",
+                        "parentName": "零售批发",
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+                        "special": true,
+                        "status": "VALID"
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+                    {
+                        "childrenNodes": [],
+                        "code": "B0025",
+                        "creator": "john.wy",
+                        "description": "适用于主售营养保健类的商户申请",
+                        "display": true,
+                        "door": true,
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+                        "gmtModified": 1602767922000,
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+                        "modifier": "john.wy",
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+                    },
+                    {
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+                        "parentCode": "A0011",
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+                    },
+                    {
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+                        "creator": "john.wy",
+                        "description": "移动、联通、电信公司授权的第三方经营话费充值、流量充值等业务的公司",
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+                        "parentCode": "A0011",
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+                    },
+                    {
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+                        "description": "适用于自来水缴费管理公司申请",
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+                        "parentCode": "A0011",
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+                    },
+                    {
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+                        "description": "供供暖缴费相关商户申请使用",
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+                        "level": 2,
+                        "modifier": "size.lsz",
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+                        "parentCode": "A0011",
+                        "parentName": "生活缴费",
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+                ],
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+                        "parentCode": "A0005",
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+                        "status": "VALID"
+                    },
+                    {
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+                        "description": "适用于高速服务区申请",
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+                        "level": 2,
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+                        "parentCode": "A0005",
+                        "parentName": "车主生活",
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+                        "special": false,
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+                    },
+                    {
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+                        "creator": "john.wy",
+                        "description": "适用于主售汽车摩托车零配件、汽车摩托车用品精品的商家申请。",
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+                        "name": "车辆零配件/用品精品",
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+                        "parentCode": "A0005",
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+                        "sortNum": 1,
+                        "special": false,
+                        "status": "VALID"
+                    },
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+                        "name": "道路救援",
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+                        "parentCode": "A0005",
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+                        "status": "VALID"
+                    },
+                    {
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+                        "description": "适用于提供汽车维修/汽车美容/汽车养护等服务。",
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+                        "name": "汽车洗美/维修养护",
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+                        "parentCode": "A0005",
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+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
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+                        "creator": "john.wy",
+                        "description": "适用于销售新车的商家申请。",
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+                        "gmtModified": 1602767922000,
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+                        "parentCode": "A0005",
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+                        "status": "VALID"
+                    },
+                    {
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+                        "description": "适用于销售二手车的商家申请。",
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+                        "name": "二手车销售",
+                        "needSpecialQual": false,
+                        "parentCode": "A0005",
+                        "parentName": "车主生活",
+                        "sortNum": 4,
+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0075",
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+                        "description": "适用于车辆停车使用相关的服务",
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+                        "level": 2,
+                        "modifier": "john.wy",
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+                        "parentCode": "A0005",
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+                        "sortNum": 5,
+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
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+                        "code": "B0076",
+                        "creator": "john.wy",
+                        "description": "适用于提供专业驾驶协助相关的服务",
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+                        "description": "适用于美容美体场所,提供美甲、美容、美睫、美发、纹身、祛斑、祛痘、纤体瘦身等服务。",
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+                        "description": "适用于在线社交类服务提供公司申请",
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+                        "parentCode": "A0004",
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+                        "description": "适用于提供在线视频点播、在线小说、图书以及音乐等下载服务等公司申请",
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+                        "parentCode": "A0004",
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+                        "description": "适用于健身场所、瑜伽房、舞蹈室等场所申请",
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+                        "description": "适用于话剧演出、体育赛事、演唱会等场所申请",
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+                        "creator": "john.wy",
+                        "description": "适用于游戏开发、运营公司申请使用",
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+                        "parentCode": "A0004",
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+                        "needSpecialQual": true,
+                        "parentCode": "A0004",
+                        "parentName": "休闲娱乐",
+                        "sortNum": 4,
+                        "special": true,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0067",
+                        "creator": "john.wy",
+                        "description": "适用于图书馆、档案馆、美术馆等场所申请",
+                        "display": true,
+                        "door": true,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1602767922000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "文化场馆",
+                        "needSpecialQual": false,
+                        "parentCode": "A0004",
+                        "parentName": "休闲娱乐",
+                        "sortNum": 6,
+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0068",
+                        "creator": "john.wy",
+                        "description": "适用于体育场馆等场所申请",
+                        "display": true,
+                        "door": true,
+                        "gmtCreate": 1602767921000,
+                        "gmtModified": 1602767922000,
+                        "level": 2,
+                        "modifier": "john.wy",
+                        "name": "体育场馆",
+                        "needSpecialQual": false,
+                        "parentCode": "A0004",
+                        "parentName": "休闲娱乐",
+                        "sortNum": 7,
+                        "special": false,
+                        "status": "VALID"
+                    },
+                    {
+                        "childrenNodes": [],
+                        "code": "B0069",
+                        "creator": "john.wy",
+                        "description": "适用于体育/福利彩票售卖点等场所申请",
+                        "display": true,
+                        "door": true,
+                        "gmtCreate": 1602767822000,
+                        "gmtModified": 1671096732000,
+                        "level": 2,
+                        "modifier": "yan.zhouzy",
+                        "name": "彩票",
+                        "needSpecialQual": true,
+                        "parentCode": "A0004",
+                        "parentName": "休闲娱乐",
+                        "sortNum": 8,
+                        "special": true,
+                        "status": "VALID"
+                    }
+                ],
+                "code": "A0004",
+                "creator": "john.wy",
+                "description": "休闲娱乐",
+                "display": true,
+                "door": true,
+                "gmtCreate": 1602767921000,
+                "gmtModified": 1602767922000,
+                "level": 1,
+                "modifier": "john.wy",
+                "name": "休闲娱乐",
+                "needSpecialQual": false,
+                "parentCode": "ROOT",
+                "parentName": "根节点",
+                "sortNum": 4,
+                "special": false,
+                "status": "VALID"
+            }
+        ],
+        "code": "ROOT",
+        "description": "根节点",
+        "display": true,
+        "door": false,
+        "level": 1,
+        "name": "根节点",
+        "needSpecialQual": false,
+        "sortNum": 0,
+        "special": false,
+        "status": "VALID"
+    },
+    "success": true,
+    "traceId": "21d562b217755422801731698e7173"
+}

+ 1 - 1
src/views/businessInfo/industryQualifications.vue

@@ -61,7 +61,7 @@
 
     <div class="footer-actions">
       <el-button @click="onBack"> 返回 </el-button>
-      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 下一步 </el-button>
+      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 确定 </el-button>
     </div>
   </div>
 </template>

+ 49 - 13
src/views/businessInfo/manageInfo.vue

@@ -36,7 +36,12 @@
               show-word-limit
               style="max-width: 480px"
             />
-            <p class="field-tip">请与营业执照名称或品牌简称保持一致,便于用户识别;具体命名规则以微信支付平台要求为准。</p>
+            <p class="field-tip">
+              1. 在支付完成页向买家展示,需与微信经营类目相关。<br />
+              2.简称要求:<br />
+              不支持单纯以人名来命名,若为个体户经营,可用“个体户+经营者名称”或“经营者名称+业务”命名,如个体户“张三”或“张三餐饮店”;<br />
+              不支持无实际意义的文案,如“XX”特约商户,“800”,“XX客服电话XXX”;
+            </p>
           </div>
         </el-form-item>
 
@@ -57,7 +62,10 @@
               maxlength="20"
               style="max-width: 480px"
             />
-            <p class="field-tip">请填写真实、可接通的客服电话,以便用户咨询。</p>
+            <p class="field-tip">
+              1.请填写真实、可接通的客服电话,以便用户咨询。<br />
+              2.请确保电话畅通,以便入驻平台回拨确认。<br />
+            </p>
           </div>
         </el-form-item>
 
@@ -71,6 +79,10 @@
               <el-checkbox v-model="form.scenarios.website"> 互联网网站 </el-checkbox>
               <el-checkbox v-model="form.scenarios.wecom"> 企业微信 </el-checkbox>
             </div>
+            <p class="field-tip">
+              请勾选实际售卖商品/提供服务场景(至少一项),以便为你开通需要的支付权限<br />
+              建议只勾选目前必须的尝尽,以便尽快通过入驻审核,其他支付权限你可在入驻后再根据实际需要发起申请
+            </p>
           </div>
         </el-form-item>
       </section>
@@ -79,7 +91,10 @@
       <section v-if="form.scenarios.offline" class="form-block sub-section">
         <h2 class="section-head">
           <span class="section-bar" aria-hidden="true" />
-          线下场景
+          线下场所
+          <span class="section-intro"
+            >你选择了“线下场所”场景,入驻成功后,服务商可帮商户发起付款码支付,JSAPI支付,同时系统将会对地址等信息进行核实</span
+          >
         </h2>
 
         <el-form-item label="线下场所名称" prop="offlineVenueName">
@@ -137,7 +152,10 @@
             >
               <el-icon><Plus /></el-icon>
             </el-upload>
-            <p class="field-tip">请上传清晰、完整的门头照片,招牌与店名需可辨认。</p>
+            <p class="field-tip">
+              1.场景图片正面拍摄且清晰,完整,图片不得有遮挡;<br />
+              2.门店招牌清晰,招牌名称,文字可辨识,门框完整,且店面显示在营,若为停车场等无固定门头照片的经营场所,可上传岗亭/出入闸口。
+            </p>
           </div>
         </el-form-item>
 
@@ -162,14 +180,22 @@
             >
               <el-icon><Plus /></el-icon>
             </el-upload>
-            <p class="field-tip">请上传店内环境照片,便于审核经营真实性。</p>
+            <p class="field-tip">
+              1.场景图片正面拍摄且清晰,完整,图片不得有遮挡;<br />
+              2.门店招牌清晰,招牌名称,文字可辨识,门框完整,且店面显示在营,若为停车场等无固定门头照片的经营场所,可上传岗亭/出入闸口。
+            </p>
           </div>
         </el-form-item>
 
         <el-form-item label="线下场所对应的服务号或公众号 APPID">
           <div class="field-stack">
             <el-input v-model="form.offlineMpAppId" placeholder="选填" clearable style="max-width: 480px" />
-            <p class="field-tip">如有线下场景关联的公众号,可填写 APPID。</p>
+            <p class="field-tip">
+              1.可填写已认领的服务号或公众号(需时已认证的服务号,政府或媒体类型的公众号),小程序,应用的APPID.<br />
+              2.完成进件后,系统发起特约商户号与该APPID的绑定(即配置为sub_appid,可在发起支付时传入)<br />
+              (1)若APPID主体与商家主体一致,则直接完成绑定;<br />
+              (2)若APPID主体与商家主体不一致,则需商户提供主体变更证明材料,审核通过后完成绑定。
+            </p>
           </div>
         </el-form-item>
       </section>
@@ -178,13 +204,18 @@
       <section v-if="form.scenarios.miniProgram" class="form-block sub-section">
         <h2 class="section-head">
           <span class="section-bar" aria-hidden="true" />
-          小程序
+          小程序<span class="section-intro">你选择了“小程序”场景,入驻成功后,服务商可帮商户发起JSAPI支付</span>
         </h2>
 
         <el-form-item label="小程序 APPID" prop="miniProgramAppId">
           <div class="field-stack">
             <el-input v-model="form.miniProgramAppId" placeholder="请输入小程序 APPID" clearable style="max-width: 480px" />
-            <p class="field-tip">请填写已认证小程序的 APPID。</p>
+            <p class="field-tip">
+              1.请填写已认证小程序的 APPID。<br />
+              2.完成进件后,系统发起特约商户号与该APPID的绑定(即配置为sub_appid,可在发起支付时传入)<br />
+              (1)若APPID主体与商家主体一致,则直接完成绑定;<br />
+              (2)若APPID主体与商家主体不一致,则需商户提供主体变更证明材料,审核通过后完成绑定。
+            </p>
           </div>
         </el-form-item>
 
@@ -201,7 +232,7 @@
             >
               <el-icon><Plus /></el-icon>
             </el-upload>
-            <p class="field-tip">请上传商品或服务相关页面截图(最多 5 张)。</p>
+            <p class="field-tip">请提供展示商品/服务的页面截图/设计稿(最多5张),若小程序胃建设完善或未上线请务必提供。</p>
           </div>
         </el-form-item>
       </section>
@@ -210,7 +241,7 @@
       <section v-if="form.scenarios.app" class="form-block sub-section">
         <h2 class="section-head">
           <span class="section-bar" aria-hidden="true" />
-          APP
+          APP<span class="section-intro">你选择了“APP”场景,入驻成功后,服务商可帮商户发起APP支付</span>
         </h2>
 
         <el-form-item label="AppID 来源" prop="appIdSource" required>
@@ -249,7 +280,7 @@
             >
               <el-icon><Plus /></el-icon>
             </el-upload>
-            <p class="field-tip">请上传首页、商品列表、商品详情、支付等页面截图(最多 5 张)。</p>
+            <p class="field-tip">请提供APP首页截图,尾页截图,应用内截图,支付页截图各1张</p>
           </div>
         </el-form-item>
       </section>
@@ -257,7 +288,7 @@
 
     <div class="footer-actions">
       <el-button @click="onBack"> 返回 </el-button>
-      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 下一步 </el-button>
+      <el-button type="primary" class="btn-next" :loading="submitLoading" @click="onSubmit"> 确定 </el-button>
     </div>
   </div>
 </template>
@@ -503,7 +534,7 @@ watch(
 
 const providerAppOptions = [
   { label: "请选择", value: "" },
-  { label: "wxfe73c5f183941efc", value: "wxfe73c5f183941efc" }
+  { label: "wxf5f1efe3a9f5012e", value: "wxf5f1efe3a9f5012e" }
 ];
 
 const scenarioChecked = computed(() => {
@@ -1022,6 +1053,11 @@ $wechat-green: #07c160;
   background: $wechat-green;
   border-radius: 2px;
 }
+.section-intro {
+  padding-left: 20px;
+  font-size: 12px;
+  color: #999999;
+}
 .field-stack {
   width: 100%;
 }

+ 1 - 2
src/views/businessInfo/subjectInfo.vue

@@ -97,7 +97,6 @@
               <el-option label="港澳居民来往内地通行证" value="hk_macau_pass" />
               <el-option label="台湾居民来往大陆通行证" value="taiwan_pass" />
             </el-select>
-            <p class="field-tip">若需变更受益人信息请</p>
           </div>
         </el-form-item>
 
@@ -210,7 +209,7 @@
 
     <div class="footer-actions">
       <el-button @click="onBack"> 返回 </el-button>
-      <el-button type="primary" class="btn-next" :loading="nextLoading" @click="onNext"> 下一步 </el-button>
+      <el-button type="primary" class="btn-next" :loading="nextLoading" @click="onNext"> 确定 </el-button>
     </div>
   </div>
 </template>

+ 253 - 0
src/views/businessInfo/zfbExamine.vue

@@ -0,0 +1,253 @@
+<template>
+  <div class="table-box zfb-examine-page">
+    <h1 class="page-title">查看支付宝审核</h1>
+
+    <el-alert v-if="loadError" class="mb-16" type="warning" :closable="false" show-icon :title="loadError" />
+
+    <ProTable row-key="_rowKey" :columns="columns" :request-api="getExamineList" :init-param="initParam" :pagination="false">
+      <template #signUrl="scope">
+        <el-link v-if="isHttpUrl(scope.row.signUrl)" :href="scope.row.signUrl" target="_blank" type="primary">
+          {{ scope.row.signUrl }}
+        </el-link>
+        <span v-else>{{ scope.row.signUrl }}</span>
+      </template>
+    </ProTable>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { reactive, ref } from "vue";
+import ProTable from "@/components/ProTable/index.vue";
+import type { ColumnProps } from "@/components/ProTable/interface";
+import { getAlipayExamine } from "@/api/modules/businessInfo";
+
+/** 与产品约定:查询指定进件订单 */
+const ALIPAY_EXAMINE_ORDER = "2026040700502000000050184000";
+
+type ExamineDisplayRow = {
+  id: string;
+  applymentNo: string;
+  signUrl: string;
+  applymentState: string;
+  rejectReason: string;
+  _rowKey: string;
+};
+
+const KEY_ID = ["id", "Id", "_id"];
+const KEY_APPLYMENT_NO = [
+  "order",
+  "order_id",
+  "orderId",
+  "applyment_id",
+  "applymentId",
+  "out_request_no",
+  "outRequestNo",
+  "business_code",
+  "businessCode"
+];
+const KEY_SIGN = ["sign_url", "signUrl", "signing_url", "signingUrl", "agreement_url", "agreementUrl"];
+const KEY_REJECT = ["reject_reason", "rejectReason", "fail_reason", "failReason", "reason", "sub_msg", "subMsg"];
+
+/** 支付宝 / 直付通常见状态码(接口若返回英文枚举可在此补充) */
+const APPLYMENT_STATE_LABEL: Record<string, string> = {
+  AUDITING: "审核中",
+  AUDIT_PASS: "审核通过",
+  AUDIT_REJECT: "审核驳回",
+  AUDITING_WAIT_FOR_CONFIRM: "待确认",
+  CANCEL: "已撤销",
+  SUCCESS: "成功",
+  FAIL: "失败",
+  PROCESSING: "处理中"
+};
+
+function formatApplymentStateLabel(raw: string): string {
+  const t = String(raw ?? "").trim();
+  if (!t || t === "—") return "—";
+  const upper = t.toUpperCase().replace(/\s+/g, "_");
+  if (APPLYMENT_STATE_LABEL[upper]) return APPLYMENT_STATE_LABEL[upper];
+  if (APPLYMENT_STATE_LABEL[t]) return APPLYMENT_STATE_LABEL[t];
+  return t;
+}
+
+function pickApplymentStateRaw(row: Record<string, unknown>): string {
+  const codeKeys = [
+    "applyment_state",
+    "applymentState",
+    "order_status",
+    "orderStatus",
+    "status",
+    "audit_status",
+    "auditStatus",
+    "state"
+  ] as const;
+  for (const k of codeKeys) {
+    if (Object.prototype.hasOwnProperty.call(row, k)) {
+      const v = row[k];
+      if (v !== undefined && v !== null && v !== "") {
+        return String(v).trim();
+      }
+    }
+  }
+  const descKeys = ["applyment_state_desc", "applymentStateDesc", "status_desc", "statusDesc", "msg", "message"] as const;
+  for (const k of descKeys) {
+    if (Object.prototype.hasOwnProperty.call(row, k)) {
+      const v = row[k];
+      if (v !== undefined && v !== null && v !== "") {
+        return String(v).trim();
+      }
+    }
+  }
+  return "";
+}
+
+const loadError = ref("");
+
+const initParam = reactive({ order: ALIPAY_EXAMINE_ORDER });
+
+const columns: ColumnProps<ExamineDisplayRow>[] = [
+  { prop: "id", label: "ID", width: 100, align: "center" },
+  { prop: "applymentNo", label: "订单号 / 申请单号", minWidth: 200 },
+  { prop: "signUrl", label: "签约链接", minWidth: 220 },
+  { prop: "applymentState", label: "状态", minWidth: 140 },
+  { prop: "rejectReason", label: "驳回 / 失败原因", minWidth: 200 }
+];
+
+function formatCell(v: unknown): string {
+  if (v === null || v === undefined || v === "") return "—";
+  if (typeof v === "object") {
+    try {
+      return JSON.stringify(v);
+    } catch {
+      return String(v);
+    }
+  }
+  return String(v);
+}
+
+function isHttpUrl(s: string): boolean {
+  if (!s || s === "—") return false;
+  return /^https?:\/\//i.test(s.trim());
+}
+
+function pickField(row: Record<string, unknown>, keys: string[]): string {
+  for (const k of keys) {
+    if (Object.prototype.hasOwnProperty.call(row, k)) {
+      const v = row[k];
+      if (v !== undefined && v !== null && v !== "") {
+        return formatCell(v);
+      }
+    }
+  }
+  return "—";
+}
+
+function normalizeRow(row: Record<string, unknown>): Omit<ExamineDisplayRow, "_rowKey"> {
+  const stateRaw = pickApplymentStateRaw(row);
+  return {
+    id: pickField(row, KEY_ID),
+    applymentNo: pickField(row, KEY_APPLYMENT_NO),
+    signUrl: pickField(row, KEY_SIGN),
+    applymentState: stateRaw ? formatApplymentStateLabel(stateRaw) : "—",
+    rejectReason: pickField(row, KEY_REJECT)
+  };
+}
+
+function unwrapPayload(raw: unknown): unknown {
+  if (raw === null || raw === undefined) return null;
+  if (Array.isArray(raw)) return raw;
+  if (typeof raw !== "object") return raw;
+  const o = raw as Record<string, unknown>;
+  if (Array.isArray(o.list)) return o.list;
+  if (Array.isArray(o.records)) return o.records;
+  if (Array.isArray(o.rows)) return o.rows;
+  if (o.data !== undefined && o.data !== null) {
+    const inner = o.data;
+    if (Array.isArray(inner)) return inner;
+    if (typeof inner === "object" && !Array.isArray(inner)) {
+      const obj = inner as Record<string, unknown>;
+      if (Array.isArray(obj.list)) return obj.list;
+      if (Array.isArray(obj.records)) return obj.records;
+    }
+    return inner;
+  }
+  return raw;
+}
+
+function isPlainObjectRow(x: unknown): x is Record<string, unknown> {
+  return x !== null && typeof x === "object" && !Array.isArray(x);
+}
+
+function buildDisplayRows(payload: unknown): Omit<ExamineDisplayRow, "_rowKey">[] {
+  if (payload === null || payload === undefined) return [];
+
+  if (Array.isArray(payload)) {
+    if (payload.length === 0) return [];
+    if (isPlainObjectRow(payload[0])) {
+      return (payload as Record<string, unknown>[]).map(normalizeRow);
+    }
+    return [
+      {
+        id: "—",
+        applymentNo: "—",
+        signUrl: "—",
+        applymentState: "—",
+        rejectReason: formatCell(payload)
+      }
+    ];
+  }
+
+  if (isPlainObjectRow(payload)) {
+    return [normalizeRow(payload)];
+  }
+
+  return [
+    {
+      id: "—",
+      applymentNo: "—",
+      signUrl: "—",
+      applymentState: "—",
+      rejectReason: formatCell(payload)
+    }
+  ];
+}
+
+function withRowKeys(rows: Omit<ExamineDisplayRow, "_rowKey">[]): ExamineDisplayRow[] {
+  return rows.map((r, i) => ({
+    ...r,
+    _rowKey: `zfb-examine-${i}-${r.id}-${r.applymentNo}`.replace(/\s/g, "")
+  }));
+}
+
+/**
+ * 与 ProTable 约定一致:返回 { data }。
+ */
+async function getExamineList(_params: unknown) {
+  loadError.value = "";
+  try {
+    const res = (await getAlipayExamine({ order: ALIPAY_EXAMINE_ORDER })) as { data?: unknown };
+    const payload = unwrapPayload(res?.data ?? res);
+    const list = withRowKeys(buildDisplayRows(payload));
+    return { data: list };
+  } catch (e: unknown) {
+    const msg = e && typeof e === "object" && "msg" in e ? String((e as { msg?: string }).msg) : "";
+    loadError.value = msg || "获取支付宝审核信息失败";
+    return { data: [] as ExamineDisplayRow[] };
+  }
+}
+</script>
+
+<style scoped lang="scss">
+.zfb-examine-page {
+  padding: 24px 32px 40px;
+  background: #ffffff;
+}
+.page-title {
+  margin: 0 0 20px;
+  font-size: 20px;
+  font-weight: 600;
+  color: #303133;
+}
+.mb-16 {
+  margin-bottom: 16px;
+}
+</style>

+ 2457 - 0
src/views/businessInfo/zfbIndex.vue

@@ -0,0 +1,2457 @@
+<template>
+  <div class="zfb-step-page">
+    <header class="step-header">
+      <el-steps :active="zfbStepActive" align-center finish-status="process" class="zfb-steps">
+        <el-step title="第一步 完善商家信息" />
+        <el-step title="第二步 完善结算信息" />
+        <el-step title="第三步 提交审核" />
+      </el-steps>
+    </header>
+
+    <div class="page-layout">
+      <div class="main-column">
+        <el-form
+          ref="formRef"
+          class="zfb-form"
+          :model="form"
+          :rules="rules"
+          label-width="200px"
+          require-asterisk-position="right"
+          label-position="right"
+        >
+          <!-- 主体信息 -->
+          <section id="zfb-subject" class="form-block anchor-section">
+            <h2 class="section-head">
+              <span class="section-bar" aria-hidden="true" />
+              主体信息
+            </h2>
+
+            <el-form-item label="主体类型" prop="subjectType">
+              <el-radio-group v-model="form.subjectType" class="radio-stack" @change="onSubjectTypeChange">
+                <el-radio v-for="opt in subjectTypeOptions" :key="opt.value" :value="opt.value">
+                  {{ opt.label }}
+                </el-radio>
+              </el-radio-group>
+            </el-form-item>
+
+            <el-form-item prop="licenseUrl" v-if="form.subjectType === '01'">
+              <template #label>
+                <span class="label-with-icon"> 营业执照 </span>
+              </template>
+              <div class="license-upload-wrap">
+                <el-upload
+                  v-model:file-list="form.licenseFileList"
+                  list-type="picture-card"
+                  :limit="1"
+                  accept=".jpg,.jpeg,.png,.bmp,.gif,image/jpeg,image/png,image/bmp,image/gif"
+                  :before-upload="beforeImageUpload"
+                  :http-request="opt => handleSingleUpload(opt, 'license')"
+                  :on-remove="(_f, fl) => onSingleRemove(fl, 'license')"
+                >
+                  <el-icon><Plus /></el-icon>
+                </el-upload>
+              </div>
+              <div class="upload-rules">
+                <p>只支持.jpg、.png格式。</p>
+              </div>
+            </el-form-item>
+
+            <el-form-item label="营业执照号" prop="creditCode" v-if="form.subjectType === '01'">
+              <el-input
+                v-model="form.creditCode"
+                placeholder="请输入统一社会信用代码"
+                clearable
+                maxlength="32"
+                style="max-width: 480px"
+              />
+            </el-form-item>
+
+            <el-form-item prop="merchantShortName" v-if="form.subjectType === '01'">
+              <template #label>
+                <span class="label-with-icon"> 商户简称 </span>
+              </template>
+              <el-input v-model="form.merchantShortName" placeholder="请输入商户简称" clearable style="max-width: 480px" />
+            </el-form-item>
+            <el-form-item prop="businessCategory" v-if="form.subjectType === '01'">
+              <template #label>
+                <span class="label-with-icon"> 经营类目 </span>
+              </template>
+              <el-cascader
+                v-model="form.businessCategory"
+                :options="categoryCascaderOptions"
+                :props="categoryCascaderProps"
+                placeholder="请选择经营类目"
+                clearable
+                filterable
+                style="width: 480px"
+              />
+            </el-form-item>
+            <!-- 
+            <template v-if="form.subjectType === '02'">
+              <el-form-item prop="institutionCertUrl">
+                <template #label>事业单位法人证书</template>
+                <div class="license-upload-wrap">
+                  <el-upload
+                    v-model:file-list="form.institutionCertFileList"
+                    list-type="picture-card"
+                    :limit="1"
+                    accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                    :before-upload="beforeImageUploadInstJpgPng"
+                    :http-request="opt => handleSingleUpload(opt, 'institutionCert')"
+                    :on-remove="(_f, fl) => onSingleRemove(fl, 'institutionCert')"
+                  >
+                    <el-icon><Plus /></el-icon>
+                  </el-upload>
+                </div>
+                <div class="upload-rules">
+                  <p>仅支持 jpg、png 格式。</p>
+                </div>
+              </el-form-item>
+
+              <el-form-item label="事业单位法人证书编号" prop="institutionCertNumber">
+                <el-input
+                  v-model="form.institutionCertNumber"
+                  placeholder="请输入证书编号"
+                  clearable
+                  maxlength="64"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与法人证书或品牌一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input
+                  v-model="form.merchantShortName"
+                  placeholder="请输入商户简称"
+                  clearable
+                  maxlength="64"
+                  show-word-limit
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template> -->
+
+            <!-- <template v-if="form.subjectType === '03'">
+              <el-form-item prop="otherOrgCertUrl">
+                <template #label>民办非企业单位登记证书</template>
+                <div class="license-upload-wrap">
+                  <el-upload
+                    v-model:file-list="form.otherOrgCertFileList"
+                    list-type="picture-card"
+                    :limit="1"
+                    accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                    :before-upload="beforeImageUploadInstJpgPng"
+                    :http-request="opt => handleSingleUpload(opt, 'otherOrgCert')"
+                    :on-remove="(_f, fl) => onSingleRemove(fl, 'otherOrgCert')"
+                  >
+                    <el-icon><Plus /></el-icon>
+                  </el-upload>
+                </div>
+                <div class="upload-rules">
+                  <p>只支持 jpg、png 格式。</p>
+                </div>
+              </el-form-item>
+
+              <el-form-item label="民办非企业单位登记证书编号" prop="otherOrgCertNumber">
+                <el-input
+                  v-model="form.otherOrgCertNumber"
+                  placeholder="请输入证书编号"
+                  clearable
+                  maxlength="64"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与登记证书或品牌一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input
+                  v-model="form.merchantShortName"
+                  placeholder="请输入商户简称"
+                  clearable
+                  maxlength="64"
+                  show-word-limit
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template> -->
+
+            <!-- <template v-if="form.subjectType === '04'">
+              <el-form-item prop="socialCertUrl">
+                <template #label>社会团体法人登记证书</template>
+                <div class="license-upload-wrap">
+                  <el-upload
+                    v-model:file-list="form.socialCertFileList"
+                    list-type="picture-card"
+                    :limit="1"
+                    accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                    :before-upload="beforeImageUploadInstJpgPng"
+                    :http-request="opt => handleSingleUpload(opt, 'socialCert')"
+                    :on-remove="(_f, fl) => onSingleRemove(fl, 'socialCert')"
+                  >
+                    <el-icon><Plus /></el-icon>
+                  </el-upload>
+                </div>
+                <div class="upload-rules">
+                  <p>只支持 jpg、png 格式。</p>
+                </div>
+              </el-form-item>
+
+              <el-form-item label="社会团体法人登记证书编号" prop="socialCertNumber">
+                <el-input
+                  v-model="form.socialCertNumber"
+                  placeholder="请输入证书编号"
+                  clearable
+                  maxlength="64"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与法人登记证书或品牌一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input
+                  v-model="form.merchantShortName"
+                  placeholder="请输入商户简称"
+                  clearable
+                  maxlength="64"
+                  show-word-limit
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template> -->
+
+            <!-- <template v-if="form.subjectType === '05'">
+              <el-form-item prop="govCertUrl">
+                <template #label>
+                  <span class="label-wrap-multiline">党政机关批准设立文件/行政执法主体资格证</span>
+                </template>
+                <div class="license-upload-wrap">
+                  <el-upload
+                    v-model:file-list="form.govCertFileList"
+                    list-type="picture-card"
+                    :limit="1"
+                    accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                    :before-upload="beforeImageUploadInstJpgPng"
+                    :http-request="opt => handleSingleUpload(opt, 'govCert')"
+                    :on-remove="(_f, fl) => onSingleRemove(fl, 'govCert')"
+                  >
+                    <el-icon><Plus /></el-icon>
+                  </el-upload>
+                </div>
+                <div class="upload-rules">
+                  <p>只支持 jpg、png 格式。</p>
+                </div>
+              </el-form-item>
+
+              <el-form-item prop="govCertNumber">
+                <template #label>
+                  <span class="label-wrap-multiline">党政机关批准设立文件/行政执法主体资格证编号</span>
+                </template>
+                <el-input
+                  v-model="form.govCertNumber"
+                  placeholder="请输入编号"
+                  clearable
+                  maxlength="128"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与批准文件或主体名称一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input
+                  v-model="form.merchantShortName"
+                  placeholder="请输入商户简称"
+                  clearable
+                  maxlength="64"
+                  show-word-limit
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template> -->
+
+            <!-- <template v-if="form.subjectType === '06'">
+              <el-alert
+                class="individual-merchant-alert"
+                type="info"
+                :closable="false"
+                show-icon
+              >
+                使用当面付服务时,选择个人类型会有收款额度限制
+              </el-alert>
+
+              <el-form-item prop="idFrontUrl">
+                <template #label>个人身份证</template>
+                <div class="id-upload-row id-upload-row--four">
+                  <div class="id-upload-cell">
+                    <span class="id-side-label">上传人像面</span>
+                    <el-upload
+                      v-model:file-list="form.idFrontFileList"
+                      list-type="picture-card"
+                      :limit="1"
+                      accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                      :before-upload="beforeImageUploadInstJpgPng"
+                      :http-request="opt => handleSingleUpload(opt, 'idFront')"
+                      :on-remove="(_f, fl) => onSingleRemove(fl, 'idFront')"
+                    >
+                      <el-icon><Plus /></el-icon>
+                    </el-upload>
+                  </div>
+                  <div class="id-upload-cell">
+                    <span class="id-side-label">上传国徽面</span>
+                    <el-upload
+                      v-model:file-list="form.idBackFileList"
+                      list-type="picture-card"
+                      :limit="1"
+                      accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                      :before-upload="beforeImageUploadInstJpgPng"
+                      :http-request="opt => handleSingleUpload(opt, 'idBack')"
+                      :on-remove="(_f, fl) => onSingleRemove(fl, 'idBack')"
+                    >
+                      <el-icon><Plus /></el-icon>
+                    </el-upload>
+                  </div>
+                </div>
+                <div class="upload-rules">
+                  <p>
+                    说明:仅支持 jpg、png 格式。如果没有证件原件照片,可以上传证件照片复印件。
+                  </p>
+                </div>
+              </el-form-item>
+
+              <el-form-item label="个人身份证号码" prop="idNumber">
+                <el-input v-model="form.idNumber" placeholder="请输入身份证号码" clearable style="max-width: 480px" />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与身份证或品牌一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input
+                  v-model="form.merchantShortName"
+                  placeholder="请输入商户简称"
+                  clearable
+                  maxlength="64"
+                  show-word-limit
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template> -->
+
+            <template v-if="form.subjectType === '07'">
+              <el-form-item prop="licenseUrl">
+                <template #label> 营业执照 </template>
+                <div class="license-upload-wrap">
+                  <el-upload
+                    v-model:file-list="form.licenseFileList"
+                    list-type="picture-card"
+                    :limit="1"
+                    accept=".jpg,.jpeg,.png,image/jpeg,image/png"
+                    :before-upload="beforeImageUploadInstJpgPng"
+                    :http-request="opt => handleSingleUpload(opt, 'license')"
+                    :on-remove="(_f, fl) => onSingleRemove(fl, 'license')"
+                  >
+                    <el-icon><Plus /></el-icon>
+                  </el-upload>
+                </div>
+                <div class="upload-rules">
+                  <p>只支持 jpg、png 格式。</p>
+                </div>
+              </el-form-item>
+
+              <el-form-item label="营业执照编号" prop="creditCode">
+                <el-input
+                  v-model="form.creditCode"
+                  placeholder="请输入营业执照编号"
+                  clearable
+                  maxlength="32"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item label="营业执照名称" prop="householdLicenseName">
+                <el-input
+                  v-model="form.householdLicenseName"
+                  placeholder="请输入营业执照名称"
+                  clearable
+                  maxlength="128"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+
+              <el-form-item prop="merchantShortName">
+                <template #label>
+                  <span class="label-with-icon">
+                    商户简称
+                    <el-tooltip placement="top" content="简称将展示给消费者,需与营业执照或品牌一致。">
+                      <el-icon class="info-icon" :size="16"><InfoFilled /></el-icon>
+                    </el-tooltip>
+                  </span>
+                </template>
+                <el-input v-model="form.merchantShortName" placeholder="请输入商户简称" clearable style="max-width: 480px" />
+              </el-form-item>
+
+              <el-form-item label="经营类目" prop="businessCategory">
+                <el-cascader
+                  v-model="form.businessCategory"
+                  :options="categoryCascaderOptions"
+                  :props="categoryCascaderProps"
+                  placeholder="请选择经营类目"
+                  clearable
+                  filterable
+                  style="width: 480px"
+                />
+              </el-form-item>
+            </template>
+          </section>
+
+          <!-- 法人信息 -->
+          <section id="zfb-legal" class="form-block anchor-section" v-if="form.subjectType === '01' || form.subjectType === '07'">
+            <h2 class="section-head">
+              <span class="section-bar" aria-hidden="true" />
+              法人信息
+            </h2>
+
+            <el-form-item label="法定代表人/负责人证件类型" prop="legalIdType">
+              <el-select v-model="form.legalIdType" placeholder="请选择" clearable style="width: 260px">
+                <el-option label="居民身份证" value="id_card" />
+                <el-option label="护照" value="passport" />
+                <el-option label="港澳居民来往内地通行证" value="hk_macau_pass" />
+                <el-option label="台湾居民来往大陆通行证" value="taiwan_pass" />
+              </el-select>
+            </el-form-item>
+
+            <el-form-item prop="idFrontUrl">
+              <template #label> 上传证件照片 </template>
+              <div class="id-upload-row">
+                <div class="id-upload-cell">
+                  <div class="license-upload-wrap">
+                    <el-upload
+                      v-model:file-list="form.idFrontFileList"
+                      list-type="picture-card"
+                      :limit="1"
+                      accept=".jpg,.jpeg,.png,.bmp,.gif,image/jpeg,image/png,image/bmp,image/gif"
+                      :before-upload="beforeImageUpload"
+                      :http-request="opt => handleSingleUpload(opt, 'idFront')"
+                      :on-remove="(_f, fl) => onSingleRemove(fl, 'idFront')"
+                    >
+                      <div class="id-upload-trigger">
+                        <el-icon><Plus /></el-icon>
+                        <div class="id-side-label">上传证件正面</div>
+                      </div>
+                    </el-upload>
+                  </div>
+                </div>
+                <div class="id-upload-cell">
+                  <div class="license-upload-wrap">
+                    <el-upload
+                      v-model:file-list="form.idBackFileList"
+                      list-type="picture-card"
+                      :limit="1"
+                      accept=".jpg,.jpeg,.png,.bmp,.gif,image/jpeg,image/png,image/bmp,image/gif"
+                      :before-upload="beforeImageUpload"
+                      :http-request="opt => handleSingleUpload(opt, 'idBack')"
+                      :on-remove="(_f, fl) => onSingleRemove(fl, 'idBack')"
+                    >
+                      <div class="id-upload-trigger">
+                        <el-icon><Plus /></el-icon>
+                        <div class="id-side-label">上传证件反面</div>
+                      </div>
+                    </el-upload>
+                  </div>
+                </div>
+              </div>
+              <div class="upload-rules">
+                <p>说明:仅支持.jpg、.png格式,如果没有证件原件照片,可以上传证件照片复印件。</p>
+              </div>
+            </el-form-item>
+
+            <el-form-item label="证件号" prop="idNumber">
+              <el-input v-model="form.idNumber" placeholder="请输入证件号码" clearable style="max-width: 480px" />
+            </el-form-item>
+
+            <el-form-item label="法定代表人/负责人姓名" prop="legalName">
+              <el-input v-model="form.legalName" placeholder="请输入姓名" clearable style="max-width: 480px" />
+            </el-form-item>
+          </section>
+
+          <!-- 经营信息 -->
+          <section id="zfb-business" class="form-block anchor-section">
+            <h2 class="section-head">
+              <span class="section-bar" aria-hidden="true" />
+              经营信息
+            </h2>
+
+            <el-form-item label="接入服务类型" prop="serviceTypes">
+              <div class="field-stack">
+                <el-checkbox-group v-model="form.serviceTypes" class="service-checks">
+                  <el-checkbox v-for="s in serviceTypeOptions" :key="s.value" :label="s.value">
+                    {{ s.label }}
+                  </el-checkbox>
+                </el-checkbox-group>
+                <p class="field-tip">
+                  请勾选实际售卖商品/提供服务场景(至少一项),已便为你开通所需支付权限。建议只勾选目前必须的场景,以便尽快通过入驻审核,其他支付权限可在入驻后再根据需要发起申请
+                </p>
+              </div>
+            </el-form-item>
+
+            <el-form-item prop="storefrontUrl" v-if="form.serviceTypes.includes('当面付')">
+              <template #label> 上传门头照 </template>
+              <div class="license-upload-wrap">
+                <el-upload
+                  v-model:file-list="form.storefrontFileList"
+                  list-type="picture-card"
+                  :limit="1"
+                  accept=".jpg,.jpeg,.png,.bmp,.gif,image/jpeg,image/png,image/bmp,image/gif"
+                  :before-upload="beforeImageUpload"
+                  :http-request="opt => handleSingleUpload(opt, 'storefront')"
+                  :on-remove="(_f, fl) => onSingleRemove(fl, 'storefront')"
+                >
+                  <el-icon><Plus /></el-icon>
+                </el-upload>
+              </div>
+              <div class="upload-rules">
+                <p>说明:仅支持jpg、png格式,图片需清晰完整,最多上传3张。</p>
+              </div>
+            </el-form-item>
+
+            <el-form-item prop="interiorUrl" v-if="form.serviceTypes.includes('当面付')">
+              <template #label> 上传内景照 </template>
+              <div class="license-upload-wrap">
+                <el-upload
+                  v-model:file-list="form.interiorFileList"
+                  list-type="picture-card"
+                  :limit="1"
+                  accept=".jpg,.jpeg,.png,.bmp,.gif,image/jpeg,image/png,image/bmp,image/gif"
+                  :before-upload="beforeImageUpload"
+                  :http-request="opt => handleSingleUpload(opt, 'interior')"
+                  :on-remove="(_f, fl) => onSingleRemove(fl, 'interior')"
+                >
+                  <el-icon><Plus /></el-icon>
+                </el-upload>
+              </div>
+              <div class="upload-rules">
+                <p>说明:仅支持jpg、png格式,图片需清晰完整,最多上传3张。</p>
+              </div>
+            </el-form-item>
+
+            <el-form-item label="店铺地址" prop="region" v-if="form.serviceTypes.includes('当面付')">
+              <div class="address-row">
+                <el-cascader
+                  v-model="form.region"
+                  :options="regionCascaderOptions"
+                  placeholder="省 / 市"
+                  filterable
+                  clearable
+                  style="width: 320px"
+                />
+                <el-input
+                  v-model="form.detailAddress"
+                  class="address-detail"
+                  placeholder="街道、门牌号等"
+                  clearable
+                  maxlength="200"
+                />
+              </div>
+            </el-form-item>
+
+            <el-form-item label="APP名称" prop="appName" v-if="form.serviceTypes.includes('App支付')">
+              <el-input
+                v-model="form.appName"
+                placeholder="请输入APP名称"
+                clearable
+                maxlength="64"
+                show-word-limit
+                style="max-width: 480px"
+              />
+            </el-form-item>
+
+            <el-form-item label="联系人姓名" prop="contactName">
+              <el-input v-model="form.contactName" placeholder="请输入联系人姓名" clearable style="max-width: 480px" />
+            </el-form-item>
+
+            <el-form-item label="联系人手机号" prop="contactPhone">
+              <el-input
+                v-model="form.contactPhone"
+                placeholder="请输入手机号"
+                clearable
+                maxlength="11"
+                style="max-width: 480px"
+              />
+            </el-form-item>
+
+            <el-form-item label="联系人邮箱" prop="contactEmail">
+              <el-input v-model="form.contactEmail" placeholder="请输入邮箱" clearable style="max-width: 480px" />
+            </el-form-item>
+
+            <el-form-item label="客服电话" prop="servicePhone">
+              <el-input
+                v-model="form.servicePhone"
+                placeholder="请输入客服电话"
+                clearable
+                maxlength="20"
+                style="max-width: 480px"
+              />
+            </el-form-item>
+
+            <el-form-item prop="settlementAlipayAccount">
+              <template #label> 签约支付宝账号 </template>
+              <div class="field-stack">
+                <el-input
+                  v-model="form.settlementAlipayAccount"
+                  placeholder="请输入用于收款的支付宝账号"
+                  clearable
+                  style="max-width: 480px"
+                />
+                <p class="field-tip">如商家无支付宝账号,请引导商家至支付宝注册。</p>
+              </div>
+            </el-form-item>
+          </section>
+        </el-form>
+
+        <div class="footer-actions">
+          <el-button type="primary" class="btn-primary-zfb" :loading="nextLoading" @click="onNext"> 下一步 </el-button>
+        </div>
+      </div>
+
+      <aside class="anchor-column">
+        <el-affix :offset="88">
+          <div class="anchor-card">
+            <el-anchor container=".el-main" :offset="72" :bound="48" direction="vertical">
+              <el-anchor-link href="#zfb-subject" title="主体信息" />
+              <el-anchor-link href="#zfb-legal" title="法人信息" />
+              <el-anchor-link href="#zfb-business" title="经营信息" />
+            </el-anchor>
+          </div>
+        </el-affix>
+      </aside>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { computed, nextTick, onMounted, reactive, ref, watch } from "vue";
+import { useRoute, useRouter } from "vue-router";
+import { ElMessage } from "element-plus";
+import type { FormInstance, FormRules } from "element-plus";
+import type { UploadRequestOptions, UploadUserFile } from "element-plus";
+import { Plus, InfoFilled } from "@element-plus/icons-vue";
+import { getOcrRequestByBase64, uploadAlipayImage } from "@/api/modules/businessInfo";
+import { localGet, localSet } from "@/utils/index";
+import cityJson from "@/assets/json/city.json";
+import categoryJson from "@/views/businessInfo/category.json";
+
+const ALIPAY_JSON_KEY = "alipayJson";
+const GEEKER_USER_KEY = "geeker-user";
+
+/** 同时勾选当面付 + App 支付时,APP 名称默认与进件 sites[0].SiteName 一致 */
+const DEFAULT_ALIPAY_APP_SITE_NAME = "应用2.0签约2025092468860692";
+
+/** 进件 externalId:16 位随机数字(0–9) */
+function randomAlipayExternalId16(): string {
+  const buf = new Uint8Array(16);
+  crypto.getRandomValues(buf);
+  let s = "";
+  for (let i = 0; i < 16; i++) {
+    s += String(buf[i]! % 10);
+  }
+  return s;
+}
+
+const formRef = ref<FormInstance>();
+const nextLoading = ref(false);
+const router = useRouter();
+const route = useRoute();
+
+function resolveAlipayUploadStoreId(): string | number | null {
+  const q = route.query.storeId;
+  if (q !== undefined && q !== null && String(q).trim() !== "") {
+    return Array.isArray(q) ? q[0]! : q;
+  }
+  const geeker = localGet(GEEKER_USER_KEY) as { userInfo?: { storeId?: string | number | null } } | null | undefined;
+  const sid = geeker?.userInfo?.storeId ?? localGet("createdId");
+  if (sid === undefined || sid === null || sid === "") return null;
+  return sid;
+}
+/** 支付宝进件步骤:0 商家信息 / 1 结算信息 / 2 提交审核 */
+const zfbStepActive = ref(0);
+
+type CategoryJsonNode = {
+  code?: string;
+  name?: string;
+  parentCode?: string;
+  parentName?: string;
+  level?: number;
+  display?: boolean;
+  status?: string;
+  sortNum?: number;
+  childrenNodes?: CategoryJsonNode[];
+};
+
+type CategoryCascaderNode = { value: string; label: string; children?: CategoryCascaderNode[] };
+
+/**
+ * 二级经营类目:一级为 level=1(name/code),二级为其 childrenNodes 中 level=2 的 name/code
+ */
+function buildCategoryCascaderOptions(root: unknown): CategoryCascaderNode[] {
+  const list = (root as { data?: { childrenNodes?: CategoryJsonNode[] } })?.data?.childrenNodes;
+  if (!Array.isArray(list)) return [];
+  return list
+    .filter(n => n && typeof n === "object" && n.level === 1 && n.code && n.name && n.status === "VALID" && n.display !== false)
+    .sort((a, b) => (a.sortNum ?? 0) - (b.sortNum ?? 0))
+    .map(parent => {
+      const children = (parent.childrenNodes || [])
+        .filter(
+          ch =>
+            ch && typeof ch === "object" && ch.level === 2 && ch.code && ch.name && ch.status === "VALID" && ch.display !== false
+        )
+        .sort((a, b) => (a.sortNum ?? 0) - (b.sortNum ?? 0))
+        .map(ch => ({
+          value: String(ch.code),
+          label: String(ch.name)
+        }));
+      return {
+        value: String(parent.code),
+        label: String(parent.name),
+        children
+      };
+    })
+    .filter(p => p.children && p.children.length > 0);
+}
+
+const categoryCascaderOptions = buildCategoryCascaderOptions(categoryJson);
+
+const categoryCascaderProps = {
+  value: "value",
+  label: "label",
+  children: "children",
+  emitPath: true
+};
+
+const subjectTypeOptions = [
+  { label: "企业", value: "01" },
+  // { label: "事业单位", value: "02" },
+  // { label: "民办非企业组织", value: "03" },
+  // { label: "社会团体", value: "04" },
+  // { label: "党政及国家机关", value: "05" },
+  // { label: "个人商户", value: "06" },
+  { label: "个体工商户", value: "07" }
+];
+
+const serviceTypeOptions = [
+  { label: "当面付", value: "当面付" },
+  { label: "App支付", value: "App支付" }
+];
+
+type CityJsonEntry = { name: string; adCode: string; cityCode: string };
+type CityJsonRoot = { cityList: { letter: string; list: CityJsonEntry[] }[] };
+
+const PROVINCE_ROWS: [string, string][] = [
+  ["11", "北京市"],
+  ["12", "天津市"],
+  ["13", "河北省"],
+  ["14", "山西省"],
+  ["15", "内蒙古自治区"],
+  ["21", "辽宁省"],
+  ["22", "吉林省"],
+  ["23", "黑龙江省"],
+  ["31", "上海市"],
+  ["32", "江苏省"],
+  ["33", "浙江省"],
+  ["34", "安徽省"],
+  ["35", "福建省"],
+  ["36", "江西省"],
+  ["37", "山东省"],
+  ["41", "河南省"],
+  ["42", "湖北省"],
+  ["43", "湖南省"],
+  ["44", "广东省"],
+  ["45", "广西壮族自治区"],
+  ["46", "海南省"],
+  ["50", "重庆市"],
+  ["51", "四川省"],
+  ["52", "贵州省"],
+  ["53", "云南省"],
+  ["54", "西藏自治区"],
+  ["61", "陕西省"],
+  ["62", "甘肃省"],
+  ["63", "青海省"],
+  ["64", "宁夏回族自治区"],
+  ["65", "新疆维吾尔自治区"],
+  ["71", "台湾省"],
+  ["81", "香港特别行政区"],
+  ["82", "澳门特别行政区"]
+];
+const PROVINCE_BY_PREFIX = Object.fromEntries(PROVINCE_ROWS) as Record<string, string>;
+const PROVINCE_PREFIX_ORDER = PROVINCE_ROWS.map(([k]) => k);
+
+function buildProvinceCityOptions(): {
+  label: string;
+  value: string;
+  cities: { label: string; value: string }[];
+}[] {
+  const root = cityJson as CityJsonRoot;
+  const flat = root.cityList.flatMap(g => g.list);
+  const bucket = new Map<string, Map<string, CityJsonEntry>>();
+  for (const c of flat) {
+    const digits = String(c.adCode ?? "").replace(/\D/g, "");
+    const code = digits.length >= 6 ? digits.slice(-6) : digits.padStart(6, "0");
+    if (code.length !== 6) continue;
+    const prefix = code.slice(0, 2);
+    if (!PROVINCE_BY_PREFIX[prefix]) continue;
+    if (!bucket.has(prefix)) bucket.set(prefix, new Map());
+    bucket.get(prefix)!.set(c.adCode, c);
+  }
+  const out = [...bucket.entries()].map(([prefix, cityMap]) => ({
+    value: prefix,
+    label: PROVINCE_BY_PREFIX[prefix],
+    cities: [...cityMap.values()]
+      .sort((a, b) => a.name.localeCompare(b.name, "zh-CN"))
+      .map(ci => ({ label: ci.name, value: ci.adCode }))
+  }));
+  out.sort((a, b) => {
+    const ia = PROVINCE_PREFIX_ORDER.indexOf(a.value);
+    const ib = PROVINCE_PREFIX_ORDER.indexOf(b.value);
+    return (ia === -1 ? 999 : ia) - (ib === -1 ? 999 : ib);
+  });
+  return out;
+}
+
+const provinceCityOptions = buildProvinceCityOptions();
+
+const regionCascaderOptions = computed(() =>
+  provinceCityOptions.map(p => ({
+    value: p.value,
+    label: p.label,
+    children: p.cities.map(c => ({ value: c.value, label: c.label }))
+  }))
+);
+
+type UploadKind =
+  | "license"
+  | "idFront"
+  | "idBack"
+  | "storefront"
+  | "interior"
+  | "institutionCert"
+  | "otherOrgCert"
+  | "socialCert"
+  | "govCert";
+
+const form = reactive<{
+  subjectType: string;
+  licenseFileList: UploadUserFile[];
+  licenseUrl: string;
+  /** 营业执照上传接口返回的 image_id,供 alipayJson.certImage */
+  licenseImageId: string;
+  creditCode: string;
+  householdLicenseName: string;
+  merchantShortName: string;
+  businessTermRange: [string, string] | undefined;
+  institutionCertFileList: UploadUserFile[];
+  institutionCertUrl: string;
+  institutionCertNumber: string;
+  otherOrgCertFileList: UploadUserFile[];
+  otherOrgCertUrl: string;
+  otherOrgCertNumber: string;
+  socialCertFileList: UploadUserFile[];
+  socialCertUrl: string;
+  socialCertNumber: string;
+  govCertFileList: UploadUserFile[];
+  govCertUrl: string;
+  govCertNumber: string;
+  businessCategory: string[];
+  legalIdType: string;
+  idFrontFileList: UploadUserFile[];
+  idFrontUrl: string;
+  idBackFileList: UploadUserFile[];
+  idBackUrl: string;
+  idNumber: string;
+  legalName: string;
+  serviceTypes: string[];
+  storefrontFileList: UploadUserFile[];
+  storefrontUrl: string;
+  /** 上传接口返回的 image_id,供 alipayJson.outDoorImages */
+  storefrontImageId: string;
+  interiorFileList: UploadUserFile[];
+  interiorUrl: string;
+  /** 上传接口返回的 image_id,供 alipayJson.inDoorImages */
+  interiorImageId: string;
+  institutionStorefrontFileList: UploadUserFile[];
+  institutionStorefrontUrls: string[];
+  institutionInteriorFileList: UploadUserFile[];
+  institutionInteriorUrls: string[];
+  region: string[];
+  detailAddress: string;
+  appName: string;
+  contactName: string;
+  contactPhone: string;
+  contactEmail: string;
+  servicePhone: string;
+  settlementAlipayAccount: string;
+}>({
+  subjectType: "01",
+  licenseFileList: [],
+  licenseUrl: "",
+  licenseImageId: "",
+  creditCode: "",
+  householdLicenseName: "",
+  merchantShortName: "",
+  businessTermRange: undefined,
+  institutionCertFileList: [],
+  institutionCertUrl: "",
+  institutionCertNumber: "",
+  otherOrgCertFileList: [],
+  otherOrgCertUrl: "",
+  otherOrgCertNumber: "",
+  socialCertFileList: [],
+  socialCertUrl: "",
+  socialCertNumber: "",
+  govCertFileList: [],
+  govCertUrl: "",
+  govCertNumber: "",
+  businessCategory: [],
+  legalIdType: "",
+  idFrontFileList: [],
+  idFrontUrl: "",
+  idBackFileList: [],
+  idBackUrl: "",
+  idNumber: "",
+  legalName: "",
+  serviceTypes: [],
+  storefrontFileList: [],
+  storefrontUrl: "",
+  storefrontImageId: "",
+  interiorFileList: [],
+  interiorUrl: "",
+  interiorImageId: "",
+  institutionStorefrontFileList: [],
+  institutionStorefrontUrls: [],
+  institutionInteriorFileList: [],
+  institutionInteriorUrls: [],
+  region: [],
+  detailAddress: "",
+  appName: "",
+  contactName: "",
+  contactPhone: "",
+  contactEmail: "",
+  servicePhone: "",
+  settlementAlipayAccount: ""
+});
+
+watch(
+  () => form.serviceTypes.slice().sort().join("\0"),
+  () => {
+    const hasFace = form.serviceTypes.includes("当面付");
+    const hasApp = form.serviceTypes.includes("App支付");
+    if (hasFace && hasApp && !String(form.appName || "").trim()) {
+      form.appName = DEFAULT_ALIPAY_APP_SITE_NAME;
+    }
+  }
+);
+
+/** 用户切换到个体工商户时清空本页字段,避免企业侧已填数据带入个体户(与初始 form 一致,不改 subjectType) */
+function clearZfbFormExceptSubjectType() {
+  form.licenseFileList = [];
+  form.licenseUrl = "";
+  form.licenseImageId = "";
+  form.creditCode = "";
+  form.householdLicenseName = "";
+  form.merchantShortName = "";
+  form.businessTermRange = undefined;
+  form.institutionCertFileList = [];
+  form.institutionCertUrl = "";
+  form.institutionCertNumber = "";
+  form.otherOrgCertFileList = [];
+  form.otherOrgCertUrl = "";
+  form.otherOrgCertNumber = "";
+  form.socialCertFileList = [];
+  form.socialCertUrl = "";
+  form.socialCertNumber = "";
+  form.govCertFileList = [];
+  form.govCertUrl = "";
+  form.govCertNumber = "";
+  form.businessCategory = [];
+  form.legalIdType = "";
+  form.idFrontFileList = [];
+  form.idFrontUrl = "";
+  form.idBackFileList = [];
+  form.idBackUrl = "";
+  form.idNumber = "";
+  form.legalName = "";
+  form.serviceTypes = [];
+  form.storefrontFileList = [];
+  form.storefrontUrl = "";
+  form.storefrontImageId = "";
+  form.interiorFileList = [];
+  form.interiorUrl = "";
+  form.interiorImageId = "";
+  form.institutionStorefrontFileList = [];
+  form.institutionStorefrontUrls = [];
+  form.institutionInteriorFileList = [];
+  form.institutionInteriorUrls = [];
+  form.region = [];
+  form.detailAddress = "";
+  form.appName = "";
+  form.contactName = "";
+  form.contactPhone = "";
+  form.contactEmail = "";
+  form.servicePhone = "";
+  form.settlementAlipayAccount = "";
+}
+
+function onSubjectTypeChange(val: string | number | boolean | undefined) {
+  if (String(val ?? "") !== "07") return;
+  clearZfbFormExceptSubjectType();
+  nextTick(() => formRef.value?.clearValidate());
+}
+
+/** 支付宝图片上传接口:原始二进制最大 10MB(与接口文档一致) */
+const MAX_ALIPAY_IMAGE_BYTES = 10 * 1024 * 1024;
+
+/** 事业单位材料:仅 jpg / png(与页面说明一致) */
+function beforeImageUploadInstJpgPng(file: File) {
+  const name = file.name?.toLowerCase() || "";
+  const okExt = /\.(jpe?g|png)$/i.test(name);
+  const okMime = ["image/jpeg", "image/png"].includes(file.type);
+  if (!okExt && !okMime) {
+    ElMessage.error("仅支持 jpg、png 格式");
+    return false;
+  }
+  if (file.size > MAX_ALIPAY_IMAGE_BYTES) {
+    ElMessage.error("文件大小不能超过 10M");
+    return false;
+  }
+  return true;
+}
+
+function beforeImageUpload(file: File) {
+  const name = file.name?.toLowerCase() || "";
+  const okExt = /\.(jpe?g|png|bmp|gif)$/i.test(name);
+  const okMime = ["image/jpeg", "image/png", "image/bmp", "image/gif"].includes(file.type);
+  if (!okExt && !okMime) {
+    ElMessage.error("图片只支持 JPG、BMP、PNG、GIF 格式");
+    return false;
+  }
+  if (file.size > MAX_ALIPAY_IMAGE_BYTES) {
+    ElMessage.error("文件大小不能超过 10M");
+    return false;
+  }
+  return true;
+}
+
+/** 解析 image_type:扩展名 3~16 字符,jpeg 归一为 jpg */
+function resolveAlipayImageType(file: File): string | null {
+  const name = file.name || "";
+  const extMatch = /\.([a-zA-Z0-9]{1,16})$/i.exec(name);
+  let ext = extMatch ? extMatch[1].toLowerCase() : "";
+  if (ext === "jpeg") ext = "jpg";
+  if (ext && ext.length >= 3 && ext.length <= 16) return ext;
+  const mime = file.type;
+  if (mime === "image/jpeg") return "jpg";
+  if (mime === "image/png") return "png";
+  if (mime === "image/gif") return "gif";
+  if (mime === "image/bmp") return "bmp";
+  return null;
+}
+
+/** 解析支付宝/通用上传返回;兼容 data 为 JSON 字符串(直付通 ant_merchant_expand_indirect_image_upload_response) */
+function parseMediaUploadResult(res: any): { fileUrl: string; mediaId: string; errMsg: string } {
+  const errMsg = String(res?.msg ?? "").trim();
+  let payload = res?.data;
+  if (payload === undefined) payload = res;
+
+  if (typeof payload === "string") {
+    const s = payload.trim();
+    if (/^https?:\/\//i.test(s)) return { fileUrl: s, mediaId: "", errMsg };
+    if ((s.startsWith("{") || s.startsWith("[")) && s.length > 1) {
+      try {
+        payload = JSON.parse(s);
+      } catch {
+        if (s) return { fileUrl: "", mediaId: s, errMsg };
+        return { fileUrl: "", mediaId: "", errMsg };
+      }
+    } else if (s) {
+      return { fileUrl: "", mediaId: s, errMsg };
+    } else {
+      return { fileUrl: "", mediaId: "", errMsg };
+    }
+  }
+
+  if (!payload || typeof payload !== "object") {
+    return { fileUrl: "", mediaId: "", errMsg };
+  }
+
+  let body: any = payload;
+  if ("data" in payload && payload.data !== undefined) {
+    if (typeof payload.data === "string") {
+      const inner = payload.data.trim();
+      if (/^https?:\/\//i.test(inner)) return { fileUrl: inner, mediaId: "", errMsg };
+      if ((inner.startsWith("{") || inner.startsWith("[")) && inner.length > 1) {
+        try {
+          body = JSON.parse(inner);
+        } catch {
+          if (inner) return { fileUrl: "", mediaId: inner, errMsg };
+          body = payload;
+        }
+      } else if (inner) {
+        return { fileUrl: "", mediaId: inner, errMsg };
+      }
+    } else if (payload.data && typeof payload.data === "object") {
+      body = payload.data;
+    }
+  }
+
+  if (body && typeof body === "object" && "data" in body && body.data !== undefined) {
+    if (typeof body.data === "string") {
+      const inner = body.data.trim();
+      if (/^https?:\/\//i.test(inner)) return { fileUrl: inner, mediaId: "", errMsg };
+      if ((inner.startsWith("{") || inner.startsWith("[")) && inner.length > 1) {
+        try {
+          body = JSON.parse(inner);
+        } catch {
+          if (inner) return { fileUrl: "", mediaId: inner, errMsg };
+        }
+      } else if (inner) {
+        return { fileUrl: "", mediaId: inner, errMsg };
+      }
+    } else if (body.data && typeof body.data === "object") {
+      body = body.data;
+    }
+  }
+
+  const antUpload =
+    body?.ant_merchant_expand_indirect_image_upload_response ?? body?.antMerchantExpandIndirectImageUploadResponse;
+
+  const fileUrl = String(
+    body?.url ?? body?.fileUrl ?? body?.imageUrl ?? body?.image_url ?? body?.picUrl ?? body?.ossUrl ?? body?.file_path ?? ""
+  ).trim();
+  const mediaId = String(
+    antUpload?.image_id ??
+      antUpload?.imageId ??
+      body?.image_id ??
+      body?.imageId ??
+      body?.resource_id ??
+      body?.resourceId ??
+      body?.media_id ??
+      body?.mediaId ??
+      body?.outBizNo ??
+      body?.pictureId ??
+      ""
+  ).trim();
+  return { fileUrl, mediaId, errMsg };
+}
+
+/** 与支付宝上传返回常见的 object / 文件名一致 */
+const ALIPAY_UPLOAD_IMAGE_FILE_RE = /^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}\.(jpe?g|png)$/i;
+
+function extractAlipayFilenameFromImageUrl(url: string): string {
+  const s = String(url || "").trim();
+  if (!s || !/^https?:\/\//i.test(s)) return "";
+  try {
+    const seg = decodeURIComponent(new URL(s).pathname.split("/").filter(Boolean).pop() || "");
+    if (ALIPAY_UPLOAD_IMAGE_FILE_RE.test(seg) || /\.(jpe?g|png)$/i.test(seg)) return seg;
+  } catch {
+    /* ignore */
+  }
+  return "";
+}
+
+/** 深度遍历响应,取 image_id 等字段(兼容多层 data / 字段名差异) */
+function deepPickAlipayImageId(node: any, depth = 0): string {
+  if (depth > 14 || node === null || node === undefined) return "";
+  if (typeof node === "string") {
+    const t = node.trim();
+    if (ALIPAY_UPLOAD_IMAGE_FILE_RE.test(t)) return t;
+    if (t.startsWith("{") && t.includes("image")) {
+      try {
+        return deepPickAlipayImageId(JSON.parse(t), depth + 1);
+      } catch {
+        return "";
+      }
+    }
+    return "";
+  }
+  if (typeof node !== "object") return "";
+  if (Array.isArray(node)) {
+    for (const x of node) {
+      const r = deepPickAlipayImageId(x, depth + 1);
+      if (r) return r;
+    }
+    return "";
+  }
+  const keys = ["image_id", "imageId", "ImageId", "fileName", "file_name", "objectName", "object_name", "key", "picName"];
+  for (const k of keys) {
+    if (!(k in node) || node[k] == null) continue;
+    const v = String(node[k]).trim();
+    if (!v) continue;
+    if (/^https?:\/\//i.test(v)) {
+      const fromUrl = extractAlipayFilenameFromImageUrl(v);
+      if (fromUrl) return fromUrl;
+    } else {
+      const base = v.split(/[/\\]/).pop() || v;
+      if (base) return base.trim();
+    }
+  }
+  for (const v of Object.values(node)) {
+    const r = deepPickAlipayImageId(v, depth + 1);
+    if (r) return r;
+  }
+  return "";
+}
+
+/** 上传成功后得到进件用图片名:扁平解析 → 深度查找 → 从返回的图片 URL 截取 */
+function resolveAlipayUploadImageId(res: any, fileUrl: string, mediaId: string): string {
+  let id = String(mediaId || "").trim();
+  if (id) return id.split(/[/\\]/).pop() || id;
+  id = deepPickAlipayImageId(res);
+  if (id) return id.split(/[/\\]/).pop() || id;
+  return extractAlipayFilenameFromImageUrl(fileUrl);
+}
+
+function isAlipayUploadHttpSuccess(res: any): boolean {
+  return res?.code === 200 || res?.code === "200";
+}
+
+/** 与 subjectInfo:营业执照 OCR 响应解析 */
+function pickBusinessLicenseOcrFields(res: any) {
+  const raw = res?.data ?? res;
+  let node: any = raw;
+  if (node && typeof node === "object" && "data" in node && node.data !== undefined) {
+    node = node.data;
+  }
+  const item = Array.isArray(node) ? node[0] : node;
+  if (!item || typeof item !== "object") {
+    return { creditCode: "", companyName: "", legalPerson: "" };
+  }
+  return {
+    creditCode: String(item.creditCode ?? item.credit_code ?? "").trim(),
+    companyName: String(item.companyName ?? item.company_name ?? "").trim(),
+    legalPerson: String(item.legalPerson ?? item.legal_person ?? "").trim()
+  };
+}
+
+/** 事业单位法人证书 OCR:证书编号、单位名称(回显商户简称) */
+function pickInstitutionCertOcrFields(res: any): { certNumber: string; orgName: string } {
+  const base = pickBusinessLicenseOcrFields(res);
+  const raw = res?.data ?? res;
+  let node: any = raw;
+  if (node && typeof node === "object" && "data" in node && node.data !== undefined) {
+    node = node.data;
+  }
+  const item = Array.isArray(node) ? node[0] : node;
+  let certNumber = base.creditCode;
+  let orgName = base.companyName;
+  if (item && typeof item === "object") {
+    if (!certNumber) {
+      certNumber = String(
+        item.certNumber ??
+          item.certificateNumber ??
+          item.cert_no ??
+          item.certificateNo ??
+          item.registrationNumber ??
+          item.registration_no ??
+          ""
+      ).trim();
+    }
+    if (!orgName) {
+      orgName = String(item.companyName ?? item.company_name ?? item.orgName ?? item.unitName ?? item.name ?? "").trim();
+    }
+  }
+  return { certNumber, orgName };
+}
+
+/** 身份证有效期 → YYYY-MM-DD(与 subjectInfo 一致) */
+function splitIdCardValidPeriod(raw: string): { begin: string; end: string } {
+  const s = (raw || "").trim();
+  if (!s) return { begin: "", end: "" };
+  if (/长期|长期有效/.test(s)) return { begin: "", end: "长期" };
+  const norm = s
+    .replace(/年|月|日/g, ".")
+    .replace(/\.+/g, ".")
+    .trim();
+  const parts = norm.split(/[-至~~]/);
+  const normOne = (p: string) => {
+    const m = p.trim().match(/(\d{4})\D*(\d{1,2})\D*(\d{1,2})/);
+    if (m) return `${m[1]}-${m[2].padStart(2, "0")}-${m[3].padStart(2, "0")}`;
+    return p.trim();
+  };
+  if (parts.length >= 2) {
+    return { begin: normOne(parts[0]), end: normOne(parts[1]) };
+  }
+  return { begin: "", end: "" };
+}
+
+/** 与 subjectInfo:身份证 OCR 响应解析 */
+function pickIdCardPortraitOcrFields(res: any): {
+  name: string;
+  idNumber: string;
+  idCardAddress: string;
+  cardPeriodBegin: string;
+  cardPeriodEnd: string;
+} {
+  const raw = res?.data ?? res;
+  let node: any = raw;
+  if (node && typeof node === "object" && "data" in node && node.data !== undefined) {
+    node = node.data;
+  }
+  const arr = Array.isArray(node) ? node : [node];
+  const item = arr[0];
+  const item2 = arr[1];
+  if (!item || typeof item !== "object") {
+    return { name: "", idNumber: "", idCardAddress: "", cardPeriodBegin: "", cardPeriodEnd: "" };
+  }
+  let name = String(item.name ?? item.userName ?? "").trim();
+  let idNumber = String(item.idNumber ?? item.id_number ?? item.idCard ?? item.id_card ?? "").trim();
+  const faceData = item.face?.data || item2?.face?.data;
+  const backData = item.back?.data || item2?.back?.data;
+  if (faceData && typeof faceData === "object") {
+    if (!name) name = String(faceData.name ?? "").trim();
+    if (!idNumber) idNumber = String(faceData.idNumber ?? faceData.id_number ?? "").trim();
+  }
+  let idCardAddress = "";
+  if (backData && typeof backData === "object") {
+    idCardAddress = String(backData.address ?? backData.registeredAddress ?? backData.issueAuthority ?? "").trim();
+  }
+  if (faceData && typeof faceData === "object" && !idCardAddress) {
+    idCardAddress = String(faceData.address ?? "").trim();
+  }
+  const faceKv = item.face?.prism_keyValueInfo || item2?.face?.prism_keyValueInfo;
+  if (Array.isArray(faceKv)) {
+    for (const row of faceKv) {
+      if (row?.key === "name" && row?.value && !name) name = String(row.value).trim();
+      if (row?.key === "idNumber" && row?.value && !idNumber) idNumber = String(row.value).trim();
+      if (row?.key === "address" && row?.value && !idCardAddress) {
+        idCardAddress = String(row.value).trim();
+      }
+    }
+  }
+  const backKv = item.back?.prism_keyValueInfo || item2?.back?.prism_keyValueInfo;
+  let validPeriodFromKv = "";
+  if (Array.isArray(backKv)) {
+    for (const row of backKv) {
+      if (row?.key === "address" && row?.value && !idCardAddress) {
+        idCardAddress = String(row.value).trim();
+      }
+      if (row?.value) {
+        const keyRaw = String(row.key || "");
+        if (/有效期限|有效期|失效日期|签发日期|validPeriod|validDate|valid_period/i.test(keyRaw)) {
+          const v = String(row.value).trim();
+          if (v && !validPeriodFromKv) validPeriodFromKv = v;
+        }
+      }
+    }
+  }
+  let vp = String(
+    (backData && (backData.validPeriod ?? backData.validDate)) ||
+      (faceData && (faceData.validPeriod ?? faceData.validDate)) ||
+      (item && (item.validPeriod ?? item.validDate)) ||
+      (item2 && (item2.validPeriod ?? item2.validDate)) ||
+      ""
+  ).trim();
+  if (!vp && validPeriodFromKv) vp = validPeriodFromKv;
+  const { begin: cardPeriodBegin, end: cardPeriodEnd } = splitIdCardValidPeriod(vp);
+  return { name, idNumber, idCardAddress, cardPeriodBegin, cardPeriodEnd };
+}
+
+function isOcrSuccess(res: any): boolean {
+  return res?.code === 200 || res?.code === "200";
+}
+
+/** 上传成功后按类型调用 OCR 并写入表单(与 subjectInfo 请求体一致:imageFile + ocrType) */
+async function runOcrAfterZfbUpload(kind: UploadKind, file: File) {
+  if (kind === "license") {
+    const formData = new FormData();
+    formData.append("imageFile", file, file.name || "license.jpg");
+    formData.append("ocrType", "BUSINESS_LICENSE");
+    const res: any = await getOcrRequestByBase64(formData);
+    if (isOcrSuccess(res)) {
+      const fields = pickBusinessLicenseOcrFields(res);
+      if (fields.creditCode) form.creditCode = fields.creditCode;
+      if (form.subjectType === "07") {
+        if (fields.companyName) {
+          form.householdLicenseName = fields.companyName;
+          form.merchantShortName = fields.companyName;
+        }
+      } else {
+        if (fields.companyName) form.merchantShortName = fields.companyName;
+        if (fields.legalPerson) form.legalName = fields.legalPerson;
+      }
+      ElMessage.success("营业执照识别成功");
+    } else {
+      ElMessage.warning(res?.msg || "营业执照识别未通过,请核对照片清晰度");
+    }
+    return;
+  }
+  if (kind === "institutionCert") {
+    const formData = new FormData();
+    formData.append("imageFile", file, file.name || "institution-cert.jpg");
+    formData.append("ocrType", "BUSINESS_LICENSE");
+    const res: any = await getOcrRequestByBase64(formData);
+    if (isOcrSuccess(res)) {
+      const f = pickInstitutionCertOcrFields(res);
+      if (f.certNumber) form.institutionCertNumber = f.certNumber;
+      if (f.orgName) form.merchantShortName = f.orgName;
+      ElMessage.success("事业单位法人证书识别成功");
+    } else {
+      ElMessage.warning(res?.msg || "事业单位法人证书识别未通过,请核对照片清晰度");
+    }
+    return;
+  }
+  if (kind === "idFront") {
+    const formData = new FormData();
+    formData.append("imageFile", file, file.name || "id-portrait.jpg");
+    formData.append("ocrType", "ID_CARD");
+    const res: any = await getOcrRequestByBase64(formData);
+    if (isOcrSuccess(res)) {
+      const f = pickIdCardPortraitOcrFields(res);
+      if (f.name) form.legalName = f.name;
+      if (f.idNumber) form.idNumber = f.idNumber;
+      if (f.cardPeriodBegin && f.cardPeriodEnd) {
+        form.businessTermRange = [f.cardPeriodBegin, f.cardPeriodEnd];
+      }
+      ElMessage.success("身份证人像面识别成功");
+    } else {
+      ElMessage.warning(res?.msg || "身份证人像面识别未通过,请核对照片清晰度");
+    }
+    return;
+  }
+  if (kind === "idBack") {
+    const formData = new FormData();
+    formData.append("imageFile", file, file.name || "id-emblem.jpg");
+    formData.append("ocrType", "ID_CARD");
+    const res: any = await getOcrRequestByBase64(formData);
+    if (isOcrSuccess(res)) {
+      const f = pickIdCardPortraitOcrFields(res);
+      if (f.cardPeriodBegin && f.cardPeriodEnd) {
+        form.businessTermRange = [f.cardPeriodBegin, f.cardPeriodEnd];
+      }
+      if (f.cardPeriodBegin || f.cardPeriodEnd) {
+        ElMessage.success("身份证国徽面识别成功");
+      } else {
+        ElMessage.warning("未识别到有效期限,请确认国徽面照片清晰完整");
+      }
+    } else {
+      ElMessage.warning(res?.msg || "身份证国徽面识别未通过,请核对照片清晰度");
+    }
+  }
+}
+
+function urlFieldFor(kind: UploadKind): keyof typeof form {
+  const map: Record<UploadKind, keyof typeof form> = {
+    license: "licenseUrl",
+    idFront: "idFrontUrl",
+    idBack: "idBackUrl",
+    storefront: "storefrontUrl",
+    interior: "interiorUrl",
+    institutionCert: "institutionCertUrl",
+    otherOrgCert: "otherOrgCertUrl",
+    socialCert: "socialCertUrl",
+    govCert: "govCertUrl"
+  };
+  return map[kind];
+}
+
+async function handleSingleUpload(options: UploadRequestOptions, kind: UploadKind) {
+  const uploadFileItem = options.file as UploadUserFile;
+  const raw = uploadFileItem.raw || uploadFileItem;
+  const file = raw instanceof File ? raw : null;
+  if (!file) return;
+
+  const field = urlFieldFor(kind);
+  uploadFileItem.status = "uploading";
+  try {
+    if (file.size > MAX_ALIPAY_IMAGE_BYTES) {
+      uploadFileItem.status = "fail";
+      ElMessage.error("文件大小不能超过 10M");
+      return;
+    }
+    const imageType = resolveAlipayImageType(file);
+    if (!imageType) {
+      uploadFileItem.status = "fail";
+      ElMessage.error("无法识别图片格式,请使用带扩展名的文件(如 .jpg、.png)");
+      return;
+    }
+    const storeId = resolveAlipayUploadStoreId();
+    // if (storeId === null) {
+    //   uploadFileItem.status = "fail";
+    //   ElMessage.error("未获取到门店 storeId,请重新登录或通过链接传入 storeId");
+    //   return;
+    // }
+    const res: any = await uploadAlipayImage({
+      storeId,
+      imageType,
+      imageContent: file
+    });
+    const { fileUrl, mediaId, errMsg } = parseMediaUploadResult(res);
+    const httpOk = isAlipayUploadHttpSuccess(res);
+    const hasMediaRef = !!(fileUrl || mediaId);
+    const resolvedImageId = resolveAlipayUploadImageId(res, fileUrl, mediaId);
+
+    if (hasMediaRef || httpOk) {
+      uploadFileItem.status = "success";
+      if (fileUrl) {
+        uploadFileItem.url = fileUrl;
+      } else {
+        uploadFileItem.url = URL.createObjectURL(file);
+      }
+      uploadFileItem.response = { media_id: resolvedImageId, url: fileUrl };
+      (form as any)[field] = fileUrl || mediaId || (httpOk ? uploadFileItem.url : "");
+      if (kind === "storefront") {
+        form.storefrontImageId = resolvedImageId;
+      }
+      if (kind === "interior") {
+        form.interiorImageId = resolvedImageId;
+      }
+      if (kind === "license") {
+        form.licenseImageId = resolvedImageId;
+      }
+
+      const needOcr = kind === "license" || kind === "idFront" || kind === "idBack" || kind === "institutionCert";
+      if (needOcr) {
+        try {
+          await runOcrAfterZfbUpload(kind, file);
+          nextTick(() => {
+            const f = formRef.value;
+            if (!f) return;
+            if (kind === "license") {
+              f.validateField("creditCode").catch(() => {});
+              f.validateField("merchantShortName").catch(() => {});
+              if (form.subjectType === "07") {
+                f.validateField("householdLicenseName").catch(() => {});
+              } else {
+                f.validateField("legalName").catch(() => {});
+              }
+            } else if (kind === "institutionCert") {
+              f.validateField("institutionCertNumber").catch(() => {});
+              f.validateField("merchantShortName").catch(() => {});
+            } else if (kind === "idFront") {
+              f.validateField("legalName").catch(() => {});
+              f.validateField("idNumber").catch(() => {});
+              f.validateField("businessTermRange").catch(() => {});
+            } else if (kind === "idBack") {
+              f.validateField("businessTermRange").catch(() => {});
+            }
+          });
+        } catch {
+          ElMessage.warning("识别服务暂时不可用,请稍后重试或手动填写");
+        }
+      }
+    } else {
+      uploadFileItem.status = "fail";
+      ElMessage.error(errMsg || res?.msg || "上传失败,未返回可用结果");
+    }
+  } catch {
+    uploadFileItem.status = "fail";
+    ElMessage.error("上传失败,请稍后重试");
+  }
+  formRef.value?.validateField(field as string).catch(() => {});
+}
+
+function onSingleRemove(fileList: UploadUserFile[], kind: UploadKind) {
+  const field = urlFieldFor(kind);
+  if (!fileList.length) {
+    (form as any)[field] = "";
+    if (kind === "storefront") form.storefrontImageId = "";
+    if (kind === "interior") form.interiorImageId = "";
+    if (kind === "license") form.licenseImageId = "";
+  } else {
+    const first = fileList[0] as UploadUserFile & {
+      url?: string;
+      response?: { url?: string; media_id?: string };
+    };
+    (form as any)[field] = first?.url || first?.response?.url || "";
+    if (kind === "storefront") {
+      form.storefrontImageId = String(first?.response?.media_id || "").trim();
+    }
+    if (kind === "interior") {
+      form.interiorImageId = String(first?.response?.media_id || "").trim();
+    }
+    if (kind === "license") {
+      form.licenseImageId = String(first?.response?.media_id || "").trim();
+    }
+  }
+  formRef.value?.validateField(field as string).catch(() => {});
+}
+
+/** alipayJson.service 仅传接入类型的 value(当面付 / App支付),不把 face_to_face、app 等内部码传给接口 */
+function serviceValuesForAlipayPayload(selected: string[]): string[] {
+  const codeToValue: Record<string, string> = {
+    face_to_face: "当面付",
+    app: "App支付"
+  };
+  const allowed = new Set(serviceTypeOptions.map(o => o.value));
+  const out: string[] = [];
+  const seen = new Set<string>();
+  for (const s of selected) {
+    const v = codeToValue[s] ?? (allowed.has(s) ? s : "");
+    if (v && !seen.has(v)) {
+      seen.add(v);
+      out.push(v);
+    }
+  }
+  return out;
+}
+
+/** 店铺地址写入 alipayJson;行政区划码由省前缀、市 adCode 推导(仅省/市二级时 DistrictCode 与 CityCode 相同) */
+function buildBusinessAddressForAlipayJson():
+  | {
+      address: string;
+      districtCode: string;
+      cityCode: string;
+      provinceCode: string;
+    }
+  | undefined {
+  const region = form.region;
+  if (!Array.isArray(region) || region.length < 2) return undefined;
+  const provPrefix = String(region[0] ?? "").replace(/\D/g, "");
+  const cityAd = String(region[1] ?? "").replace(/\D/g, "");
+  if (!provPrefix || cityAd.length < 6) return undefined;
+
+  const prov = provinceCityOptions.find(p => p.value === region[0]);
+  const provinceName = prov?.label ?? "";
+  const cityName = prov?.cities.find(c => c.value === region[1])?.label ?? "";
+  const detail = String(form.detailAddress || "").trim();
+  const address = `${provinceName}${cityName}${detail}`.trim();
+
+  const provinceCode = provPrefix.padEnd(6, "0").slice(0, 6);
+  const cityCode = cityAd.padStart(6, "0").slice(0, 6);
+  const districtCode = cityCode;
+
+  return { address, districtCode, cityCode, provinceCode };
+}
+
+/** 仅使用上传成功接口里保存的 image_id;且只认 .jpg / .jpeg / .png(不从 URL 等其它字段截取) */
+function alipayImageIdFromUploadOnly(imageIdField: string): string {
+  const s = String(imageIdField || "").trim();
+  if (!s) return "";
+  const lower = s.toLowerCase();
+  if (lower.endsWith(".jpg") || lower.endsWith(".jpeg") || lower.endsWith(".png")) return s;
+  return "";
+}
+
+/** 进件接口要求数组:有图为单元素数组,无图为 [] */
+function alipayImageIdArrayForPayload(imageIdField: string): string[] {
+  const id = alipayImageIdFromUploadOnly(imageIdField);
+  return id ? [id] : [];
+}
+
+/** 从 localStorage 读取的 alipayJson 可能是对象或历史字符串 */
+function normalizeAlipayJsonFromStorage(raw: unknown): Record<string, unknown> | null {
+  if (raw == null || raw === "") return null;
+  if (typeof raw === "string") {
+    try {
+      const o = JSON.parse(raw) as unknown;
+      return typeof o === "object" && o !== null && !Array.isArray(o) ? (o as Record<string, unknown>) : null;
+    } catch {
+      return null;
+    }
+  }
+  if (typeof raw === "object" && !Array.isArray(raw)) return raw as Record<string, unknown>;
+  return null;
+}
+
+function findCategoryPathByMcc(mcc: string): string[] | undefined {
+  const m = String(mcc || "").trim();
+  if (!m) return undefined;
+  for (const p of categoryCascaderOptions) {
+    const ch = p.children?.find(c => c.value === m);
+    if (ch) return [p.value, ch.value];
+  }
+  return undefined;
+}
+
+function firstImageIdFromAlipayField(val: unknown): string {
+  if (Array.isArray(val) && val.length > 0) return String(val[0] ?? "").trim();
+  if (typeof val === "string") return val.trim();
+  return "";
+}
+
+/** 将 businessAddress 反填为省市区 cascader + 详细地址(与 buildBusinessAddressForAlipayJson 对称) */
+function regionAndDetailFromBusinessAddress(ba: unknown): { region: string[]; detailAddress: string } | undefined {
+  if (!ba || typeof ba !== "object") return undefined;
+  const o = ba as Record<string, unknown>;
+  const provinceCode = String(o.provinceCode ?? "").replace(/\D/g, "");
+  const cityCode = String(o.cityCode ?? "").replace(/\D/g, "");
+  const address = String(o.address ?? "").trim();
+  if (provinceCode.length < 2 || cityCode.length < 6) return undefined;
+  const prefix = provinceCode.slice(0, 2);
+  const prov = provinceCityOptions.find(p => p.value === prefix);
+  if (!prov) return undefined;
+  const normCity = cityCode.padStart(6, "0").slice(0, 6);
+  const city = prov.cities.find(c => {
+    const ad = String(c.value ?? "").replace(/\D/g, "");
+    const tail = ad.length >= 6 ? ad.slice(-6) : ad;
+    return tail.padStart(6, "0") === normCity;
+  });
+  if (!city) return undefined;
+  let detail = address;
+  const prefixStr = `${prov.label}${city.label}`;
+  if (address.startsWith(prefixStr)) detail = address.slice(prefixStr.length).trim();
+  return { region: [prefix, city.value], detailAddress: detail };
+}
+
+/** alipayJson.service 为「当面付」「App支付」等;兼容旧内部码 */
+function serviceTypesFromAlipayService(val: unknown): string[] {
+  const allowed = new Set(serviceTypeOptions.map(o => o.value));
+  const legacy: Record<string, string> = {
+    face_to_face: "当面付",
+    app: "App支付"
+  };
+  const arr = Array.isArray(val) ? val : typeof val === "string" && val.trim() ? [val] : [];
+  const out: string[] = [];
+  const seen = new Set<string>();
+  for (const item of arr) {
+    let s = String(item ?? "").trim();
+    if (s.toLowerCase() === "app 支付") s = "App支付";
+    const mapped = legacy[s] ?? s;
+    if (mapped && allowed.has(mapped) && !seen.has(mapped)) {
+      seen.add(mapped);
+      out.push(mapped);
+    }
+  }
+  return out;
+}
+
+/** 进入本页时把缓存中的 alipayJson 写回第一步表单 */
+function applyAlipayJsonCacheToForm(data: Record<string, unknown>) {
+  const st = String(data.merchantType ?? "").trim();
+  if (st) form.subjectType = st;
+
+  const name = String(data.name ?? data.aliasName ?? "").trim();
+  if (name) form.merchantShortName = name;
+
+  const mcc = String(data.mcc ?? "").trim();
+  const path = findCategoryPathByMcc(mcc);
+  if (path) form.businessCategory = path;
+
+  const certNo = String(data.certNo ?? "").trim();
+  if (certNo) form.creditCode = certNo;
+
+  const certImage = String(data.certImage ?? "").trim();
+  if (certImage) form.licenseImageId = certImage;
+
+  const legalName = String(data.legalName ?? "").trim();
+  if (legalName) form.legalName = legalName;
+
+  const legalCertNo = String(data.legalCertNo ?? "").trim();
+  if (legalCertNo) form.idNumber = legalCertNo;
+
+  const certName = String(data.certName ?? "").trim();
+  if (certName && form.subjectType === "07") form.householdLicenseName = certName;
+
+  const alipayId = String(data.alipayLogonId ?? data.bindingAlipayLogonId ?? data.BindingAlipayLogonId ?? "").trim();
+  if (alipayId) form.settlementAlipayAccount = alipayId;
+
+  const ci = data.contactInfos;
+  if (Array.isArray(ci) && ci.length > 0) {
+    const c0 = ci[0] as Record<string, unknown>;
+    const cn = String(c0?.name ?? "").trim();
+    const cm = String(c0?.mobile ?? "").trim();
+    if (cn) form.contactName = cn;
+    if (cm) form.contactPhone = cm;
+  }
+
+  const svc = serviceTypesFromAlipayService(data.service);
+  if (svc.length) form.serviceTypes = svc;
+
+  const inId = firstImageIdFromAlipayField(data.inDoorImages);
+  if (inId) form.interiorImageId = inId;
+
+  const outId = firstImageIdFromAlipayField(data.outDoorImages);
+  if (outId) form.storefrontImageId = outId;
+
+  const ba = regionAndDetailFromBusinessAddress(data.businessAddress);
+  if (ba) {
+    form.region = ba.region;
+    form.detailAddress = ba.detailAddress;
+  }
+
+  const sites = data.sites;
+  if (Array.isArray(sites) && sites.length > 0) {
+    const s0 = sites[0] as Record<string, unknown>;
+    const sn = String(s0?.siteName ?? s0?.siteName ?? "").trim();
+    if (sn) form.appName = sn;
+  }
+}
+
+/** 下一步写入 localStorage,供后续支付宝进件等使用 */
+function buildAlipayJsonPayload() {
+  const mcc =
+    Array.isArray(form.businessCategory) && form.businessCategory.length >= 2
+      ? form.businessCategory[1]
+      : Array.isArray(form.businessCategory) && form.businessCategory.length === 1
+        ? form.businessCategory[0]
+        : "";
+  const businessAddress = buildBusinessAddressForAlipayJson();
+  const certName = form.subjectType === "07" ? String(form.householdLicenseName || "").trim() : "";
+  const alipayLogonIdVal = String(form.settlementAlipayAccount || "").trim();
+  const hasFaceToFace = form.serviceTypes.includes("当面付");
+  const hasAppPay = form.serviceTypes.includes("App支付");
+  const siteNameForPayload = String(form.appName || "").trim() || DEFAULT_ALIPAY_APP_SITE_NAME;
+  return {
+    externalId: randomAlipayExternalId16(),
+    name: form.merchantShortName,
+    aliasName: form.merchantShortName,
+    merchantType: form.subjectType,
+    mcc,
+    certNo: form.creditCode,
+    certType: 201,
+    certImage: alipayImageIdFromUploadOnly(form.licenseImageId),
+    legalName: form.legalName,
+    legalCertNo: form.idNumber,
+    certName,
+    alipayLogonId: alipayLogonIdVal,
+    contactInfos: [
+      {
+        name: String(form.contactName || "").trim(),
+        mobile: String(form.contactPhone || "").trim()
+      }
+    ],
+    service: serviceValuesForAlipayPayload(form.serviceTypes),
+    inDoorImages: alipayImageIdArrayForPayload(form.interiorImageId),
+    outDoorImages: alipayImageIdArrayForPayload(form.storefrontImageId),
+    ...(businessAddress ? { businessAddress } : {}),
+    ...(hasFaceToFace && hasAppPay
+      ? {
+          sites: [{ siteType: "02", siteName: siteNameForPayload }]
+        }
+      : {})
+  };
+}
+
+onMounted(async () => {
+  const cached = normalizeAlipayJsonFromStorage(localGet(ALIPAY_JSON_KEY));
+  if (cached) applyAlipayJsonCacheToForm(cached);
+  await nextTick();
+  formRef.value?.clearValidate();
+});
+
+const rules: FormRules = {
+  subjectType: [{ required: true, message: "请选择主体类型", trigger: "change" }],
+  serviceTypes: [
+    {
+      type: "array",
+      required: true,
+      min: 1,
+      message: "请选择接入服务类型",
+      trigger: "change"
+    }
+  ],
+  licenseUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "01" && form.subjectType !== "07") return cb();
+        if (!String(form.licenseUrl || "").trim()) cb(new Error("请上传营业执照"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  creditCode: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "01" && form.subjectType !== "07") return cb();
+        const v = String(form.creditCode || "").trim();
+        if (!v) {
+          cb(new Error(form.subjectType === "07" ? "请输入营业执照编号" : "请输入营业执照号"));
+        } else if (v.length < 15 || v.length > 32) cb(new Error("长度一般为 18 位统一社会信用代码"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  householdLicenseName: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "07") return cb();
+        if (!String(form.householdLicenseName || "").trim()) cb(new Error("请输入营业执照名称"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  merchantShortName: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "02", "03", "04", "05", "06", "07"].includes(form.subjectType)) return cb();
+        if (!String(form.merchantShortName || "").trim()) cb(new Error("请输入商户简称"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  institutionCertUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "institution") return cb();
+        if (!String(form.institutionCertUrl || "").trim()) cb(new Error("请上传事业单位法人证书"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  institutionCertNumber: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "institution") return cb();
+        if (!String(form.institutionCertNumber || "").trim()) cb(new Error("请输入事业单位法人证书编号"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  otherOrgCertUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "other_org") return cb();
+        if (!String(form.otherOrgCertUrl || "").trim()) cb(new Error("请上传民办非企业单位登记证书"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  otherOrgCertNumber: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "other_org") return cb();
+        if (!String(form.otherOrgCertNumber || "").trim()) cb(new Error("请输入民办非企业单位登记证书编号"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  socialCertUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "social") return cb();
+        if (!String(form.socialCertUrl || "").trim()) cb(new Error("请上传社会团体法人登记证书"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  socialCertNumber: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "social") return cb();
+        if (!String(form.socialCertNumber || "").trim()) cb(new Error("请输入社会团体法人登记证书编号"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  govCertUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "gov") return cb();
+        if (!String(form.govCertUrl || "").trim()) {
+          cb(new Error("请上传党政机关批准设立文件/行政执法主体资格证"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  govCertNumber: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.subjectType !== "gov") return cb();
+        if (!String(form.govCertNumber || "").trim()) {
+          cb(new Error("请输入党政机关批准设立文件/行政执法主体资格证编号"));
+        } else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  businessCategory: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "02", "03", "04", "05", "06", "07"].includes(form.subjectType)) return cb();
+        const bc = form.businessCategory;
+        if (!Array.isArray(bc) || bc.length < 2 || !String(bc[0] || "").trim() || !String(bc[1] || "").trim()) {
+          cb(new Error("请选择经营类目(需选择到二级分类)"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  legalIdType: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "institution", "other_org", "social"].includes(form.subjectType)) return cb();
+        if (!String(form.legalIdType || "").trim()) cb(new Error("请选择证件类型"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  idFrontUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "institution", "other_org", "social", "individual_merchant"].includes(form.subjectType)) return cb();
+        if (!String(form.idFrontUrl || "").trim()) {
+          cb(new Error(form.subjectType === "individual_merchant" ? "请上传身份证人像面" : "请上传证件正面"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  idBackUrl: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "institution", "other_org", "social", "individual_merchant"].includes(form.subjectType)) return cb();
+        if (!String(form.idBackUrl || "").trim()) {
+          cb(new Error(form.subjectType === "individual_merchant" ? "请上传身份证国徽面" : "请上传证件反面"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  idNumber: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "institution", "other_org", "social", "individual_merchant"].includes(form.subjectType)) return cb();
+        if (!String(form.idNumber || "").trim()) {
+          cb(new Error(form.subjectType === "individual_merchant" ? "请输入个人身份证号码" : "请输入证件号"));
+        } else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  legalName: [
+    {
+      validator: (_r, _v, cb) => {
+        if (!["01", "institution", "other_org", "social"].includes(form.subjectType)) return cb();
+        if (!String(form.legalName || "").trim()) cb(new Error("请输入法定代表人/负责人姓名"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  storefrontUrl: [{ required: true, message: "请上传门头照", trigger: "change" }],
+  interiorUrl: [{ required: true, message: "请上传内景照", trigger: "change" }],
+  region: [{ type: "array", required: true, min: 2, message: "请选择省、市", trigger: "change" }],
+  detailAddress: [{ required: true, message: "请输入详细地址", trigger: "blur" }],
+  contactName: [{ required: true, message: "请输入联系人姓名", trigger: "blur" }],
+  contactPhone: [
+    { required: true, message: "请输入联系人手机号", trigger: "blur" },
+    { pattern: /^1\d{10}$/, message: "请输入有效手机号", trigger: "blur" }
+  ],
+  contactEmail: [
+    { required: true, message: "请输入联系人邮箱", trigger: "blur" },
+    { type: "email", message: "邮箱格式不正确", trigger: "blur" }
+  ],
+  servicePhone: [
+    { required: true, message: "请输入客服电话", trigger: "blur" },
+    { pattern: /^[\d\-+\s]{5,20}$/, message: "请输入有效电话号码", trigger: "blur" }
+  ],
+  settlementAlipayAccount: [{ required: true, message: "请输入签约支付宝账号", trigger: "blur" }]
+};
+
+async function onNext() {
+  if (!formRef.value) return;
+  nextLoading.value = true;
+  try {
+    localSet(ALIPAY_JSON_KEY, buildAlipayJsonPayload());
+    await router.push({ path: "/businessInfo/zfbIndexTwo", query: { ...route.query } });
+  } catch {
+    ElMessage.warning("请完善必填信息");
+  } finally {
+    nextLoading.value = false;
+  }
+}
+</script>
+
+<style scoped lang="scss">
+$zfb-blue: #1677ff;
+.zfb-step-page {
+  box-sizing: border-box;
+  min-height: 100%;
+  padding: 24px 24px 48px;
+  margin: 0 auto;
+  background: #ffffff;
+}
+.step-header {
+  margin-right: -24px;
+  margin-bottom: 28px;
+  margin-left: -24px;
+}
+.zfb-steps {
+  width: 100%;
+  margin: 0;
+}
+.step-header :deep(.zfb-steps.el-steps--horizontal) {
+  .el-step__icon {
+    width: 36px;
+    height: 36px;
+    font-size: 16px;
+    font-weight: 600;
+    background: #ffffff !important;
+  }
+  .el-step__head.is-process .el-step__icon {
+    color: #ffffff !important;
+    background: #1677ff !important;
+    border-color: $zfb-blue !important;
+  }
+  .el-step__head.is-wait .el-step__icon {
+    color: #c0c4cc !important;
+    background: #ffffff !important;
+    border: 2px solid #dcdfe6 !important;
+  }
+  .el-step__head.is-finish .el-step__icon {
+    color: #ffffff !important;
+    background: $zfb-blue !important;
+    border-color: $zfb-blue !important;
+  }
+  .el-step__line {
+    background-color: #e4e7ed !important;
+  }
+  .el-step__line-inner {
+    border-width: 1px !important;
+  }
+  .el-step__title {
+    font-size: 14px;
+    line-height: 36px;
+    color: #606266;
+  }
+  .el-step__head.is-process + .el-step__main .el-step__title {
+    font-weight: 600;
+    color: #303133;
+  }
+  .el-step__head.is-wait + .el-step__main .el-step__title {
+    color: #c0c4cc;
+  }
+  .el-step__head.is-finish + .el-step__main .el-step__title {
+    font-weight: 500;
+    color: #606266;
+  }
+}
+.page-layout {
+  display: flex;
+  gap: 32px;
+  align-items: flex-start;
+}
+.main-column {
+  flex: 1;
+  min-width: 0;
+
+  /* 滚到底时 max(scrollTop) 往往仍小于「经营信息」的锚点判定线,侧栏会一直停在前一节;底部留白增大可滚动距离 */
+  padding-bottom: clamp(140px, 22vh, 400px);
+}
+.anchor-column {
+  flex-shrink: 0;
+  width: 160px;
+}
+.anchor-card {
+  padding: 16px 12px;
+}
+:deep(.el-anchor__list) {
+  border-left: 1px solid #ebeef5;
+}
+.anchor-title {
+  margin-bottom: 12px;
+  font-size: 13px;
+  font-weight: 600;
+  color: #303133;
+}
+.zfb-form {
+  :deep(.el-form-item__label) {
+    font-weight: 500;
+    color: #606266;
+  }
+}
+.form-block {
+  padding-bottom: 8px;
+  margin-bottom: 28px;
+  scroll-margin-top: 72px;
+  border-bottom: 1px solid #ebeef5;
+  &:last-of-type {
+    border-bottom: none;
+  }
+}
+.section-head {
+  display: flex;
+  align-items: center;
+  margin: 0 0 16px;
+  font-size: 16px;
+  font-weight: 600;
+  color: #303133;
+}
+.section-bar {
+  display: inline-block;
+  flex-shrink: 0;
+  width: 4px;
+  height: 16px;
+  margin-right: 8px;
+  background: $zfb-blue;
+  border-radius: 2px;
+}
+.radio-stack {
+  display: flex;
+  gap: 10px;
+  align-items: flex-start;
+}
+.label-with-icon {
+  display: inline-flex;
+  gap: 4px;
+  align-items: center;
+}
+.label-wrap-multiline {
+  display: inline-block;
+  max-width: 196px;
+  line-height: 1.45;
+  white-space: normal;
+  vertical-align: middle;
+}
+.individual-merchant-alert {
+  max-width: 410px;
+  margin-bottom: 20px;
+  margin-left: 200px;
+}
+.info-icon {
+  color: #909399;
+  cursor: help;
+}
+.license-upload-wrap {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 16px;
+  align-items: flex-start;
+}
+.license-example {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+}
+.license-example-label {
+  font-size: 12px;
+  color: #909399;
+}
+.license-example-thumb {
+  position: relative;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  width: 148px;
+  height: 148px;
+  overflow: hidden;
+  background: #f5f7fa;
+  border: 1px dashed #dcdfe6;
+  border-radius: 6px;
+}
+.license-example-placeholder {
+  font-size: 12px;
+  color: #c0c4cc;
+}
+.id-example-thumb {
+  position: relative;
+}
+.license-example-badge {
+  position: absolute;
+  top: 6px;
+  right: 6px;
+  padding: 2px 6px;
+  font-size: 11px;
+  color: #ffffff;
+  background: rgb(0 0 0 / 45%);
+  border-radius: 4px;
+}
+.id-upload-row {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 24px;
+}
+.id-upload-cell {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+}
+.id-upload-trigger {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+  align-items: center;
+  justify-content: center;
+  line-height: 1.2;
+}
+.id-side-label {
+  margin-top: 10px;
+  font-size: 13px;
+  color: #606266;
+}
+.id-upload-trigger .id-side-label {
+  font-size: 12px;
+  line-height: 1.3;
+  text-align: center;
+}
+.upload-rules {
+  margin-top: 12px;
+  font-size: 12px;
+  line-height: 1.65;
+  color: #909399;
+  p {
+    margin: 0;
+  }
+}
+.field-stack {
+  width: 100%;
+}
+.field-tip {
+  margin: 8px 0 0;
+  font-size: 12px;
+  line-height: 1.65;
+  color: #909399;
+}
+.service-checks {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px 20px;
+}
+.address-row {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+  align-items: center;
+  width: 100%;
+  max-width: 720px;
+}
+.address-detail {
+  flex: 1;
+  min-width: 200px;
+}
+.footer-actions {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 16px;
+  align-items: center;
+  justify-content: center;
+  padding-top: 24px;
+  margin-top: 8px;
+  border-top: 1px solid #ebeef5;
+}
+.btn-primary-zfb {
+  min-width: 120px;
+  background: $zfb-blue;
+  border-color: $zfb-blue;
+  &:hover {
+    background: #4096ff;
+    border-color: #4096ff;
+  }
+}
+:deep(.el-upload--picture-card) {
+  --el-upload-picture-card-size: 148px;
+}
+:deep(.el-upload-list--picture-card .el-upload-list__item) {
+  width: 148px;
+  height: 148px;
+}
+:deep(.el-form-item__content) {
+  display: block;
+}
+:deep(.anchor-card .el-anchor) {
+  /* 实际滚动在 layout 的 el-main 上,不设 container 时监听 window,高亮不会随滚动更新 */
+  --el-anchor-color: #606266;
+  --el-anchor-active-color: #{$zfb-blue};
+  --el-anchor-marker-bg-color: #{$zfb-blue};
+
+  background: transparent;
+}
+:deep(.anchor-card .el-anchor__link) {
+  padding: 6px 0;
+  font-size: 13px;
+}
+:deep(.anchor-card .el-anchor__link.is-active) {
+  font-weight: 600;
+}
+</style>

+ 928 - 0
src/views/businessInfo/zfbIndexTwo.vue

@@ -0,0 +1,928 @@
+<template>
+  <div class="zfb-step-page">
+    <header class="step-header">
+      <el-steps :active="zfbStepActive" align-center finish-status="success" class="zfb-steps">
+        <el-step title="第一步 完善商家信息" />
+        <el-step title="第二步 完善结算信息" />
+        <el-step title="第三步 提交审核" />
+      </el-steps>
+    </header>
+
+    <div class="page-layout">
+      <div class="main-column">
+        <el-form
+          ref="formRef"
+          class="zfb-form"
+          :model="form"
+          :rules="rules"
+          label-width="200px"
+          require-asterisk-position="right"
+          label-position="right"
+        >
+          <section id="zfb-settlement" class="form-block anchor-section">
+            <h2 class="section-head">
+              <span class="section-bar" aria-hidden="true" />
+              结算信息
+            </h2>
+
+            <el-form-item label="请选择结算方式" prop="settlementMethod">
+              <el-radio-group v-model="form.settlementMethod" class="radio-stack">
+                <el-radio value="alipay"> 结算到支付宝 </el-radio>
+                <el-radio value="bank"> 结算到银行卡 </el-radio>
+              </el-radio-group>
+            </el-form-item>
+
+            <template v-if="form.settlementMethod === 'alipay'">
+              <el-form-item label="支付宝账号" prop="alipayAccount">
+                <el-input v-model="form.alipayAccount" placeholder="请输入支付宝账号" clearable style="max-width: 480px" />
+                <el-alert class="settlement-tip-alert" type="info" :closable="false" show-icon>
+                  注:账号主体名称需与营业执照同名
+                </el-alert>
+              </el-form-item>
+            </template>
+
+            <template v-if="form.settlementMethod === 'bank'">
+              <el-form-item label="开户名称" prop="bankAccountName" required>
+                <el-input v-model="form.bankAccountName" clearable maxlength="64" style="max-width: 480px" />
+              </el-form-item>
+              <el-form-item label="银行卡号" prop="bankCardNo" required>
+                <el-input
+                  v-model="form.bankCardNo"
+                  placeholder="暂时只支持借记卡"
+                  clearable
+                  maxlength="24"
+                  style="max-width: 480px"
+                />
+              </el-form-item>
+              <el-form-item label="联行号" prop="cnapsCode">
+                <el-input v-model="form.cnapsCode" placeholder="非必填" clearable maxlength="32" style="max-width: 480px" />
+              </el-form-item>
+              <el-form-item prop="bankBranch">
+                <template #label>
+                  <span class="bank-branch-required-label">开户银行</span>
+                </template>
+                <div class="bank-select-row">
+                  <el-select
+                    v-model="form.depositBankCode"
+                    placeholder="请选择开户银行"
+                    clearable
+                    filterable
+                    class="bank-select-cell"
+                    @change="onDepositBankChange"
+                  >
+                    <el-option v-for="b in depositBankOptions" :key="b.value" :label="b.label" :value="b.value" />
+                  </el-select>
+                  <el-cascader
+                    v-model="form.branchRegion"
+                    :options="invoiceRegionCascaderOptions"
+                    :props="{ emitPath: true }"
+                    placeholder="请选择省 / 市"
+                    clearable
+                    filterable
+                    class="bank-select-cell bank-region-cascader"
+                    @change="onBranchRegionChange"
+                  />
+                  <el-input
+                    v-model="form.branchName"
+                    placeholder="请输入支行名称"
+                    clearable
+                    maxlength="80"
+                    class="bank-select-cell bank-branch-input"
+                    :disabled="!branchRegionCitySelected"
+                    @blur="touchBankBranchValidate"
+                    @clear="touchBankBranchValidate"
+                  />
+                </div>
+              </el-form-item>
+              <el-form-item label="账号使用类型" prop="accountUsageType" required>
+                <el-radio-group v-model="form.accountUsageType" class="radio-stack" disabled>
+                  <el-radio value="public"> 对公 </el-radio>
+                  <el-radio value="private"> 对私 </el-radio>
+                </el-radio-group>
+              </el-form-item>
+            </template>
+
+            <!-- <el-form-item label="是否开票" prop="needInvoicing">
+              <el-radio-group v-model="form.needInvoicing" class="radio-stack">
+                <el-radio value="yes">是</el-radio>
+                <el-radio value="no">否</el-radio>
+              </el-radio-group>
+            </el-form-item> -->
+
+            <!-- <template v-if="form.needInvoicing === 'yes'">
+              <div id="zfb-invoice" class="invoice-extra-wrap anchor-section">
+                <div class="invoice-section-divider" />
+
+                <el-form-item label="纳税人种类" prop="taxpayerType" required>
+                  <el-radio-group v-model="form.taxpayerType" class="radio-stack">
+                    <el-radio value="general">一般纳税人</el-radio>
+                    <el-radio value="small_scale">小规模纳税人</el-radio>
+                  </el-radio-group>
+                </el-form-item>
+
+                <div class="invoice-section-divider" />
+                <h3 class="invoice-subsection-title">开票信息</h3>
+
+                <el-form-item label="发票抬头" prop="invoiceTitle" required>
+                  <el-input v-model="form.invoiceTitle" clearable maxlength="128" style="max-width: 480px" />
+                </el-form-item>
+                <el-form-item label="纳税人识别号" prop="taxpayerIdNo" required>
+                  <el-input v-model="form.taxpayerIdNo" clearable maxlength="32" style="max-width: 480px" />
+                </el-form-item>
+                <el-form-item label="纳税人资格开始时间" prop="qualificationStartDate" required>
+                  <el-date-picker
+                    v-model="form.qualificationStartDate"
+                    type="date"
+                    placeholder="请选择日期"
+                    value-format="YYYY-MM-DD"
+                    style="width: 320px; max-width: 100%"
+                    clearable
+                    @change="touchQualificationDateValidate"
+                  />
+                </el-form-item>
+                <template v-if="form.taxpayerType === 'general'">
+                  <el-form-item label="开票地址" prop="invoiceAddress" required>
+                    <el-input v-model="form.invoiceAddress" clearable maxlength="200" style="max-width: 480px" />
+                  </el-form-item>
+                  <el-form-item label="开票电话" prop="invoicePhone" required>
+                    <el-input v-model="form.invoicePhone" clearable maxlength="20" style="max-width: 480px" />
+                  </el-form-item>
+                  <el-form-item label="银行卡号" prop="invoiceBankCardNo" required>
+                    <el-input v-model="form.invoiceBankCardNo" clearable maxlength="24" style="max-width: 480px" />
+                  </el-form-item>
+                  <el-form-item label="开户银行" prop="invoiceOpeningBank" required>
+                    <el-input v-model="form.invoiceOpeningBank" clearable maxlength="64" style="max-width: 480px" />
+                  </el-form-item>
+                </template>
+
+                <div id="zfb-invoice-mail" class="invoice-section-divider" />
+                <h3 class="invoice-subsection-title">发票寄送信息</h3>
+
+                <el-form-item label="发票寄送地址" prop="invoiceMailSuite" required>
+                  <div class="mail-address-stack">
+                    <el-cascader
+                      v-model="form.invoiceMailRegion"
+                      :options="invoiceRegionCascaderOptions"
+                      :placeholder="
+                        form.taxpayerType === 'small_scale' ? '请输入具体门牌号等' : '请选择省 / 市'
+                      "
+                      filterable
+                      clearable
+                      class="mail-cascader"
+                      @change="touchInvoiceMailSuiteValidate"
+                    />
+                    <el-input
+                      v-model="form.invoiceMailAddressDetail"
+                      placeholder="请输入具体门牌号等"
+                      clearable
+                      maxlength="200"
+                      class="mail-detail-input"
+                      @blur="touchInvoiceMailSuiteValidate"
+                    />
+                  </div>
+                </el-form-item>
+                <el-form-item label="收件人姓名" prop="invoiceRecipientName" required>
+                  <el-input v-model="form.invoiceRecipientName" clearable maxlength="32" style="max-width: 480px" />
+                </el-form-item>
+                <el-form-item label="收件人手机号" prop="invoiceRecipientPhone" required>
+                  <el-input v-model="form.invoiceRecipientPhone" clearable maxlength="11" style="max-width: 480px" />
+                </el-form-item>
+              </div>
+            </template> -->
+          </section>
+        </el-form>
+
+        <div class="footer-actions">
+          <el-button type="primary" class="btn-primary-zfb" :loading="submitLoading" @click="onConfirmSubmit">
+            确认提交
+          </el-button>
+        </div>
+      </div>
+
+      <aside class="anchor-column">
+        <el-affix :offset="88">
+          <div class="anchor-card">
+            <el-anchor :offset="72" direction="vertical">
+              <el-anchor-link href="#zfb-settlement" title="结算信息" />
+              <el-anchor-link v-if="form.needInvoicing === 'yes'" href="#zfb-invoice" title="开票信息" />
+              <el-anchor-link v-if="form.needInvoicing === 'yes'" href="#zfb-invoice-mail" title="发票寄送" />
+            </el-anchor>
+          </div>
+        </el-affix>
+      </aside>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { computed, nextTick, onMounted, reactive, ref, watch } from "vue";
+import { ElMessage } from "element-plus";
+import type { FormInstance, FormRules } from "element-plus";
+import { localGet, localSet } from "@/utils/index";
+import { getAlipayZftCreate } from "@/api/modules/businessInfo";
+import cityJson from "@/assets/json/city.json";
+
+type CityJsonEntry = { name: string; adCode: string; cityCode: string };
+type CityJsonRoot = { cityList: { letter: string; list: CityJsonEntry[] }[] };
+
+const PROVINCE_ROWS: [string, string][] = [
+  ["11", "北京市"],
+  ["12", "天津市"],
+  ["13", "河北省"],
+  ["14", "山西省"],
+  ["15", "内蒙古自治区"],
+  ["21", "辽宁省"],
+  ["22", "吉林省"],
+  ["23", "黑龙江省"],
+  ["31", "上海市"],
+  ["32", "江苏省"],
+  ["33", "浙江省"],
+  ["34", "安徽省"],
+  ["35", "福建省"],
+  ["36", "江西省"],
+  ["37", "山东省"],
+  ["41", "河南省"],
+  ["42", "湖北省"],
+  ["43", "湖南省"],
+  ["44", "广东省"],
+  ["45", "广西壮族自治区"],
+  ["46", "海南省"],
+  ["50", "重庆市"],
+  ["51", "四川省"],
+  ["52", "贵州省"],
+  ["53", "云南省"],
+  ["54", "西藏自治区"],
+  ["61", "陕西省"],
+  ["62", "甘肃省"],
+  ["63", "青海省"],
+  ["64", "宁夏回族自治区"],
+  ["65", "新疆维吾尔自治区"],
+  ["71", "台湾省"],
+  ["81", "香港特别行政区"],
+  ["82", "澳门特别行政区"]
+];
+const PROVINCE_BY_PREFIX = Object.fromEntries(PROVINCE_ROWS) as Record<string, string>;
+const PROVINCE_PREFIX_ORDER = PROVINCE_ROWS.map(([k]) => k);
+
+function buildProvinceCityOptions(): {
+  label: string;
+  value: string;
+  cities: { label: string; value: string }[];
+}[] {
+  const root = cityJson as CityJsonRoot;
+  const flat = root.cityList.flatMap(g => g.list);
+  const bucket = new Map<string, Map<string, CityJsonEntry>>();
+  for (const c of flat) {
+    const digits = String(c.adCode ?? "").replace(/\D/g, "");
+    const code = digits.length >= 6 ? digits.slice(-6) : digits.padStart(6, "0");
+    if (code.length !== 6) continue;
+    const prefix = code.slice(0, 2);
+    if (!PROVINCE_BY_PREFIX[prefix]) continue;
+    if (!bucket.has(prefix)) bucket.set(prefix, new Map());
+    bucket.get(prefix)!.set(c.adCode, c);
+  }
+  const out = [...bucket.entries()].map(([prefix, cityMap]) => ({
+    value: prefix,
+    label: PROVINCE_BY_PREFIX[prefix],
+    cities: [...cityMap.values()]
+      .sort((a, b) => a.name.localeCompare(b.name, "zh-CN"))
+      .map(ci => ({ label: ci.name, value: ci.adCode }))
+  }));
+  out.sort((a, b) => {
+    const ia = PROVINCE_PREFIX_ORDER.indexOf(a.value);
+    const ib = PROVINCE_PREFIX_ORDER.indexOf(b.value);
+    return (ia === -1 ? 999 : ia) - (ib === -1 ? 999 : ib);
+  });
+  return out;
+}
+
+const provinceCityOptions = buildProvinceCityOptions();
+
+const invoiceRegionCascaderOptions = computed(() =>
+  provinceCityOptions.map(p => ({
+    value: p.value,
+    label: p.label,
+    children: p.cities.map(c => ({ value: c.value, label: c.label }))
+  }))
+);
+
+const depositBankOptions = [
+  { label: "工商银行", value: "ICBC" },
+  { label: "农业银行", value: "ABC" },
+  { label: "中国银行", value: "BOC" },
+  { label: "建设银行", value: "CCB" },
+  { label: "交通银行", value: "COMM" },
+  { label: "邮储银行", value: "PSBC" },
+  { label: "招商银行", value: "CMB" },
+  { label: "浦发银行", value: "SPDB" },
+  { label: "兴业银行", value: "CIB" },
+  { label: "民生银行", value: "CMBC" },
+  { label: "华夏银行", value: "HXB" },
+  { label: "广发银行", value: "GDB" },
+  { label: "平安银行", value: "PAB" },
+  { label: "中信银行", value: "CITIC" },
+  { label: "光大银行", value: "CEB" },
+  { label: "上海银行", value: "BOSH" },
+  { label: "北京银行", value: "BRCB" },
+  { label: "其他银行", value: "OTHER" }
+];
+
+const formRef = ref<FormInstance>();
+const submitLoading = ref(false);
+
+/** 第二步:索引为 1 */
+const zfbStepActive = ref(1);
+
+const form = reactive({
+  settlementMethod: "alipay" as "alipay" | "bank",
+  alipayAccount: "",
+  bankAccountName: "",
+  bankCardNo: "",
+  cnapsCode: "",
+  /** 联表校验占位,不绑定输入 */
+  bankBranch: "",
+  depositBankCode: "",
+  /** 支行地区 [省前缀, 市 adCode],与第一步店铺地址级联一致 */
+  branchRegion: [] as string[],
+  branchName: "",
+  accountUsageType: "public" as "public" | "private",
+  needInvoicing: "no" as "yes" | "no",
+  taxpayerType: "general" as "general" | "small_scale",
+  invoiceTitle: "",
+  taxpayerIdNo: "",
+  qualificationStartDate: "" as string,
+  invoiceAddress: "",
+  invoicePhone: "",
+  invoiceBankCardNo: "",
+  invoiceOpeningBank: "",
+  /** 级联 [省前缀, 市 adCode] */
+  invoiceMailRegion: [] as string[],
+  invoiceMailAddressDetail: "",
+  /** 发票寄送地址联校占位 */
+  invoiceMailSuite: "",
+  invoiceRecipientName: "",
+  invoiceRecipientPhone: ""
+});
+
+/** 已选省、市后可填写支行名称 */
+const branchRegionCitySelected = computed(
+  () => Array.isArray(form.branchRegion) && form.branchRegion.length >= 2 && !!String(form.branchRegion[1] || "").trim()
+);
+
+function touchBankBranchValidate() {
+  nextTick(() => formRef.value?.validateField("bankBranch"));
+}
+
+function onDepositBankChange() {
+  form.branchRegion = [];
+  form.branchName = "";
+  touchBankBranchValidate();
+}
+
+function onBranchRegionChange() {
+  form.branchName = "";
+  touchBankBranchValidate();
+}
+
+function touchInvoiceMailSuiteValidate() {
+  nextTick(() => formRef.value?.validateField("invoiceMailSuite"));
+}
+
+function touchQualificationDateValidate() {
+  nextTick(() => formRef.value?.validateField("qualificationStartDate"));
+}
+
+const rules: FormRules = {
+  settlementMethod: [{ required: true, message: "请选择结算方式", trigger: "change" }],
+  alipayAccount: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "alipay") return cb();
+        if (!String(form.alipayAccount || "").trim()) cb(new Error("请输入支付宝账号"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  bankAccountName: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "bank") return cb();
+        if (!String(form.bankAccountName || "").trim()) cb(new Error("请输入开户名称"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  bankCardNo: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "bank") return cb();
+        const v = String(form.bankCardNo || "")
+          .replace(/\s+/g, "")
+          .trim();
+        if (!v) cb(new Error("请输入银行卡号"));
+        else if (!/^\d{16,24}$/.test(v)) cb(new Error("请输入正确的借记卡卡号(16~24 位数字)"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  cnapsCode: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "bank") return cb();
+        const v = String(form.cnapsCode || "").trim();
+        if (!v) return cb();
+        if (!/^\d{8,14}$/.test(v)) cb(new Error("联行号格式不正确"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  bankBranch: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "bank") return cb();
+        if (!form.depositBankCode) cb(new Error("请选择开户银行"));
+        else if (!Array.isArray(form.branchRegion) || form.branchRegion.length < 2) {
+          cb(new Error("请选择支行地区(省、市)"));
+        } else if (!String(form.branchName || "").trim()) cb(new Error("请输入支行名称"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  accountUsageType: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.settlementMethod !== "bank") return cb();
+        if (form.accountUsageType !== "public" && form.accountUsageType !== "private") {
+          cb(new Error("请选择账号使用类型"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  needInvoicing: [{ required: true, message: "请选择是否开票", trigger: "change" }],
+  taxpayerType: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        if (form.taxpayerType !== "general" && form.taxpayerType !== "small_scale") {
+          cb(new Error("请选择纳税人种类"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  invoiceTitle: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        if (!String(form.invoiceTitle || "").trim()) cb(new Error("请输入发票抬头"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  taxpayerIdNo: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        const v = String(form.taxpayerIdNo || "")
+          .trim()
+          .toUpperCase();
+        if (!v) cb(new Error("请输入纳税人识别号"));
+        else if (v.length < 15 || v.length > 20) cb(new Error("纳税人识别号长度应为 15~20 位"));
+        else if (!/^[0-9A-Z]+$/.test(v)) cb(new Error("纳税人识别号仅含数字与字母"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  qualificationStartDate: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        if (!String(form.qualificationStartDate || "").trim()) cb(new Error("请选择纳税人资格开始时间"));
+        else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  invoiceAddress: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes" || form.taxpayerType !== "general") return cb();
+        if (!String(form.invoiceAddress || "").trim()) cb(new Error("请输入开票地址"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  invoicePhone: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes" || form.taxpayerType !== "general") return cb();
+        const v = String(form.invoicePhone || "").trim();
+        if (!v) cb(new Error("请输入开票电话"));
+        else if (!/^[\d\-+\s]{5,20}$/.test(v)) cb(new Error("请输入有效的开票电话"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  invoiceBankCardNo: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes" || form.taxpayerType !== "general") return cb();
+        const v = String(form.invoiceBankCardNo || "")
+          .replace(/\s+/g, "")
+          .trim();
+        if (!v) cb(new Error("请输入银行卡号"));
+        else if (!/^\d{16,24}$/.test(v)) cb(new Error("请输入正确的银行卡号(16~24 位数字)"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  invoiceOpeningBank: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes" || form.taxpayerType !== "general") return cb();
+        if (!String(form.invoiceOpeningBank || "").trim()) cb(new Error("请输入开户银行"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  invoiceMailSuite: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        const reg = form.invoiceMailRegion;
+        if (!Array.isArray(reg) || reg.length < 2 || !String(reg[0] || "").trim() || !String(reg[1] || "").trim()) {
+          cb(new Error("请选择发票寄送省/市"));
+        } else if (!String(form.invoiceMailAddressDetail || "").trim()) {
+          cb(new Error("请输入具体门牌号等"));
+        } else cb();
+      },
+      trigger: "change"
+    }
+  ],
+  invoiceRecipientName: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        if (!String(form.invoiceRecipientName || "").trim()) cb(new Error("请输入收件人姓名"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ],
+  invoiceRecipientPhone: [
+    {
+      validator: (_r, _v, cb) => {
+        if (form.needInvoicing !== "yes") return cb();
+        const v = String(form.invoiceRecipientPhone || "").trim();
+        if (!v) cb(new Error("请输入收件人手机号"));
+        else if (!/^1\d{10}$/.test(v)) cb(new Error("请输入正确的手机号"));
+        else cb();
+      },
+      trigger: "blur"
+    }
+  ]
+};
+
+const ALIPAY_JSON_KEY = "alipayJson";
+
+/** 结算到银行卡时写入 alipayJson.bizCards[](与直付通字段约定一致) */
+type AlipayBizCardPayload = {
+  accountHolderName: string;
+  accountNo: string;
+  accountInstProvince: string;
+  accountInstCity: string;
+  accountBranchName: string;
+  /** 对公 01,对私 02 */
+  usageType: string;
+  accountType: "DC";
+  accountInstName: string;
+  /** 开户行缩写,与 depositBankCode 一致(如 ICBC) */
+  accountInstId: string;
+};
+
+/** 由支行地区级联 [省前缀, 市 adCode] 解析省名、市名 */
+function resolveBranchRegionProvinceCity(): { province: string; city: string } {
+  const reg = form.branchRegion;
+  if (!Array.isArray(reg) || reg.length < 2) return { province: "", city: "" };
+  const prov = provinceCityOptions.find(p => p.value === reg[0]);
+  const cityAd = String(reg[1] || "").trim();
+  const city = prov?.cities.find(c => c.value === cityAd);
+  return {
+    province: prov?.label ?? "",
+    city: city?.label ?? ""
+  };
+}
+
+function buildBizCardsForPayload(): AlipayBizCardPayload[] {
+  if (form.settlementMethod !== "bank") return [];
+  const bankMeta = depositBankOptions.find(b => b.value === form.depositBankCode);
+  const { province, city } = resolveBranchRegionProvinceCity();
+  const usageType = form.accountUsageType === "public" ? "01" : "02";
+  return [
+    {
+      accountHolderName: String(form.bankAccountName || "").trim(),
+      accountNo: String(form.bankCardNo || "")
+        .replace(/\s+/g, "")
+        .trim(),
+      accountInstProvince: province,
+      accountInstCity: city,
+      accountBranchName: String(form.branchName || "").trim(),
+      usageType,
+      accountType: "DC",
+      accountInstName: bankMeta?.label ?? "",
+      accountInstId: String(form.depositBankCode || "").trim()
+    }
+  ];
+}
+
+async function onConfirmSubmit() {
+  if (!formRef.value) return;
+  submitLoading.value = true;
+  try {
+    await formRef.value.validate();
+  } catch {
+    ElMessage.warning("请完善必填信息");
+    submitLoading.value = false;
+    return;
+  }
+  try {
+    const alipayJson = localGet(ALIPAY_JSON_KEY) as Record<string, unknown> | null | undefined;
+    if (!alipayJson || typeof alipayJson !== "object" || Array.isArray(alipayJson)) {
+      ElMessage.warning("缺少步骤一提交数据,请先完成主体信息并点击下一步");
+      return;
+    }
+    const payload: Record<string, unknown> = { ...alipayJson };
+    const alipayLogonId =
+      form.settlementMethod === "alipay" ? String(form.alipayAccount || "").trim() : String(payload.alipayLogonId ?? "").trim();
+    payload.alipayLogonId = alipayLogonId;
+
+    if (form.settlementMethod === "bank") {
+      payload.bizCards = buildBizCardsForPayload();
+    } else {
+      delete payload.bizCards;
+    }
+
+    localSet(ALIPAY_JSON_KEY, payload);
+    await getAlipayZftCreate(payload);
+    ElMessage.success("提交成功");
+  } catch {
+    ElMessage.error("提交失败,请稍后重试");
+  } finally {
+    submitLoading.value = false;
+  }
+}
+
+const invoiceFieldProps = [
+  "taxpayerType",
+  "invoiceTitle",
+  "taxpayerIdNo",
+  "qualificationStartDate",
+  "invoiceAddress",
+  "invoicePhone",
+  "invoiceBankCardNo",
+  "invoiceOpeningBank",
+  "invoiceMailSuite",
+  "invoiceRecipientName",
+  "invoiceRecipientPhone"
+] as const;
+
+watch(
+  () => form.settlementMethod,
+  v => {
+    if (v === "bank") form.accountUsageType = "public";
+    nextTick(() => {
+      formRef.value?.clearValidate([
+        "alipayAccount",
+        "bankAccountName",
+        "bankCardNo",
+        "cnapsCode",
+        "bankBranch",
+        "accountUsageType"
+      ]);
+    });
+  }
+);
+
+watch(
+  () => form.needInvoicing,
+  v => {
+    nextTick(() => {
+      if (v !== "yes") {
+        formRef.value?.clearValidate([...invoiceFieldProps]);
+      }
+    });
+  }
+);
+
+const generalTaxpayerInvoiceExtraProps = ["invoiceAddress", "invoicePhone", "invoiceBankCardNo", "invoiceOpeningBank"] as const;
+
+watch(
+  () => form.taxpayerType,
+  () => {
+    if (form.needInvoicing !== "yes") return;
+    nextTick(() => {
+      formRef.value?.clearValidate([...generalTaxpayerInvoiceExtraProps]);
+    });
+  }
+);
+
+onMounted(() => {
+  formRef.value?.clearValidate();
+});
+</script>
+
+<style scoped lang="scss">
+$zfb-blue: #1677ff;
+.zfb-step-page {
+  box-sizing: border-box;
+  min-height: 100%;
+  padding: 24px 32px 48px;
+  background: #ffffff;
+}
+.step-header {
+  max-width: 960px;
+  margin: 0 auto 32px;
+}
+.zfb-steps {
+  :deep(.el-step__head.is-process) {
+    color: $zfb-blue;
+    border-color: $zfb-blue;
+  }
+  :deep(.el-step__head.is-finish) {
+    color: $zfb-blue;
+    border-color: $zfb-blue;
+  }
+  :deep(.el-step__title.is-process) {
+    font-weight: 600;
+    color: $zfb-blue;
+  }
+  :deep(.el-step__title.is-finish) {
+    font-weight: 500;
+    color: #606266;
+  }
+  :deep(.el-step__title.is-wait) {
+    color: #c0c4cc;
+  }
+}
+.page-layout {
+  display: flex;
+  gap: 32px;
+  align-items: flex-start;
+  max-width: 1100px;
+  margin: 0 auto;
+}
+.main-column {
+  flex: 1;
+  min-width: 0;
+}
+.anchor-column {
+  flex-shrink: 0;
+  width: 160px;
+}
+.anchor-card {
+  padding: 16px 12px;
+}
+.anchor-title {
+  margin-bottom: 12px;
+  font-size: 13px;
+  font-weight: 600;
+  color: #303133;
+}
+.zfb-form {
+  :deep(.el-form-item__label) {
+    font-weight: 500;
+    color: #606266;
+  }
+}
+
+/* 开户银行 prop 为联校占位 bankBranch,不能用 el-form-item required,否则恒校验失败 */
+.bank-branch-required-label::after {
+  margin-left: 4px;
+  color: var(--el-color-danger);
+  content: "*";
+}
+.form-block {
+  padding-bottom: 8px;
+  margin-bottom: 8px;
+  scroll-margin-top: 72px;
+}
+.section-head {
+  display: flex;
+  align-items: center;
+  margin: 0 0 20px;
+  font-size: 16px;
+  font-weight: 600;
+  color: #303133;
+}
+.section-bar {
+  display: inline-block;
+  flex-shrink: 0;
+  width: 4px;
+  height: 16px;
+  margin-right: 8px;
+  background: $zfb-blue;
+  border-radius: 2px;
+}
+.radio-stack {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 10px 20px;
+  align-items: flex-start;
+}
+.settlement-tip-alert {
+  max-width: 480px;
+  margin-top: 12px;
+  color: #1677ff;
+  background: rgb(22 119 255 / 10%);
+  border: 1px solid #1677ff;
+}
+:deep(.el-alert__description) {
+  color: #333333 !important;
+}
+.bank-select-row {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+  align-items: center;
+  max-width: 100%;
+}
+.bank-select-cell {
+  width: 200px;
+  min-width: 160px;
+}
+.bank-region-cascader {
+  width: 260px;
+  min-width: 220px;
+}
+.bank-branch-input {
+  width: 280px;
+  min-width: 200px;
+}
+.invoice-extra-wrap {
+  padding-top: 8px;
+  margin-top: 8px;
+}
+.invoice-section-divider {
+  height: 1px;
+  margin: 24px 0 20px;
+  background: #ebeef5;
+}
+.invoice-subsection-title {
+  margin: 0 0 16px;
+  font-size: 15px;
+  font-weight: 600;
+  color: #303133;
+}
+.mail-address-stack {
+  display: flex;
+  flex-direction: column;
+  gap: 12px;
+  width: 100%;
+  max-width: 480px;
+}
+.mail-cascader {
+  width: 100%;
+}
+.mail-detail-input {
+  width: 100%;
+}
+.footer-actions {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 16px;
+  align-items: center;
+  justify-content: center;
+  padding-top: 24px;
+  margin-top: 16px;
+  border-top: 1px solid #ebeef5;
+}
+.btn-primary-zfb {
+  min-width: 120px;
+  background: $zfb-blue;
+  border-color: $zfb-blue;
+  &:hover {
+    background: #4096ff;
+    border-color: #4096ff;
+  }
+}
+:deep(.anchor-card .el-anchor) {
+  background: transparent;
+  border-left: 1px solid #ebeef5;
+}
+:deep(.anchor-card .el-anchor__link) {
+  padding: 6px 0;
+  font-size: 13px;
+}
+</style>

+ 220 - 3
src/views/home/components/go-flow.vue

@@ -264,6 +264,13 @@
                   </template>
                 </el-upload>
               </el-form-item>
+              <el-form-item label="设置收款账号" @click="handleSetPayAccount" style="cursor: pointer">
+                <div class="pay-account-trigger">
+                  <el-icon color="#666" class="pay-account-trigger__arrow">
+                    <ArrowRightBold />
+                  </el-icon>
+                </div>
+              </el-form-item>
             </div>
           </div>
         </el-form>
@@ -282,6 +289,41 @@
     @success="hasBusinessHoursConfig = true"
     @has-config="(v: boolean) => (hasBusinessHoursConfig = v)"
   />
+
+  <el-dialog
+    v-model="payAccountDialogVisible"
+    width="420px"
+    align-center
+    append-to-body
+    destroy-on-close
+    class="pay-account-setup-dialog"
+    :show-close="true"
+    @open="onPayAccountDialogOpen"
+  >
+    <template #header>
+      <div class="pay-account-setup-dialog__title">设置收款账号</div>
+    </template>
+    <div class="pay-account-option-list">
+      <button
+        v-for="opt in payAccountOptions"
+        :key="opt.value"
+        type="button"
+        class="pay-account-option"
+        :class="{ 'is-active': payAccountTemp === opt.value }"
+        @click="payAccountTemp = opt.value"
+      >
+        <span class="pay-account-option__icon" :class="`pay-account-option__icon--${opt.value}`" aria-hidden="true" />
+        <span class="pay-account-option__label">{{ opt.label }}</span>
+        <span class="pay-account-option__radio" :class="{ 'is-checked': payAccountTemp === opt.value }">
+          <el-icon v-if="payAccountTemp === opt.value" class="pay-account-option__check"><Check /></el-icon>
+        </span>
+      </button>
+    </div>
+    <template #footer>
+      <el-button type="primary" class="pay-account-setup-dialog__confirm" @click="confirmPayAccount"> 确定 </el-button>
+    </template>
+  </el-dialog>
+
   <!-- 图片预览 -->
   <el-image-viewer
     v-if="imageViewerVisible"
@@ -294,15 +336,17 @@
 <script setup lang="ts">
 import { ref, reactive, watch, onMounted, computed, toRaw } from "vue";
 import { ElMessage, ElMessageBox, type FormInstance, type FormRules, UploadUserFile, UploadRequestOptions } from "element-plus";
-import { Plus } from "@element-plus/icons-vue";
+import { Plus, ArrowRightBold, Check } from "@element-plus/icons-vue";
 
 import { applyStore, getMerchantByPhone, getThirdLevelList, verifyIdInfo } from "@/api/modules/homeEntry";
 import { getInputPrompt, getDistrict, uploadImg, ocrRequestUrl, getAiapprovestoreInfo } from "@/api/modules/newLoginApi";
 import GoBusinessHours from "./go-businessHours.vue";
 import { localGet, localSet } from "@/utils/index";
 import { useAuthStore } from "@/stores/modules/auth";
+import { useRouter } from "vue-router";
 
 const authStore = useAuthStore();
+const router = useRouter();
 const userInfo = localGet("geeker-user")?.userInfo || {};
 const latShow = ref(false);
 const showDisportLicence = ref(false);
@@ -316,6 +360,16 @@ const hasBusinessHoursConfig = ref(false);
 const openBusinessHours = () => {
   businessHoursDialogVisible.value = true;
 };
+
+/** 收款方式:与弹窗选项一致,默认支付宝(与设计稿一致) */
+type ReceivePayType = "alipay" | "wechat" | "bank";
+const payAccountOptions: { value: ReceivePayType; label: string }[] = [
+  { value: "alipay", label: "支付宝支付" },
+  { value: "wechat", label: "微信支付" }
+];
+const payAccountDialogVisible = ref(false);
+const payAccountTemp = ref<ReceivePayType>("alipay");
+
 const entryList = ref([
   {
     title: "个人实名"
@@ -668,9 +722,34 @@ const step2Form = reactive({
   // 经营类目
   businessCategoryName: "",
   // 店铺评价(三项,与 prop="storePj" 对应,校验规则会检查此数组)
-  storePj: ["", "", ""] as string[]
+  storePj: ["", "", ""] as string[],
+  /** 设置收款账号(弹窗选择,提交时带给 saveStoreInfo,后端可按需接收) */
+  receivePayType: "alipay" as ReceivePayType
 });
 
+const payAccountLabel = computed(() => {
+  const v = step2Form.receivePayType;
+  return payAccountOptions.find(o => o.value === v)?.label ?? "支付宝支付";
+});
+
+const handleSetPayAccount = () => {
+  payAccountDialogVisible.value = true;
+};
+
+const onPayAccountDialogOpen = () => {
+  payAccountTemp.value = step2Form.receivePayType;
+};
+
+const confirmPayAccount = () => {
+  step2Form.receivePayType = payAccountTemp.value;
+  payAccountDialogVisible.value = false;
+  if (payAccountTemp.value === "alipay") {
+    router.push({ path: "/businessInfo/zfbIndex" });
+  } else if (payAccountTemp.value === "wechat") {
+    router.push({ path: "/businessInfo/weChartIndex" });
+  }
+};
+
 // 返回按钮
 const handleBack = () => {
   if (currentStep.value === 1) {
@@ -1304,7 +1383,8 @@ const handleSubmit = async () => {
         foodLicenceUrl: foodLicenceUrls.join(","),
         mealsFlag: step2Form.businessSecondMeal === 1 ? 1 : 0,
         createdUserId: userInfo.id || "",
-        storeBusinessTime: storeBusinessTime.length > 0 ? storeBusinessTime : undefined
+        storeBusinessTime: storeBusinessTime.length > 0 ? storeBusinessTime : undefined,
+        receivePayType: step2Form.receivePayType
       };
 
       ElMessageBox.confirm("确认提交入驻申请吗?", "提示", {
@@ -1553,5 +1633,142 @@ const handleExceed = () => {
       outline: none;
     }
   }
+  .pay-account-trigger {
+    display: inline-flex;
+    gap: 10px;
+    align-items: center;
+    &__text {
+      font-size: 14px;
+      color: #303133;
+    }
+    &__arrow {
+      cursor: pointer;
+    }
+  }
+}
+</style>
+
+<style lang="scss">
+/* 弹窗挂到 body,需非 scoped;并抵消本页全局 .el-dialog__body { height: 600px } */
+.pay-account-setup-dialog.el-dialog {
+  padding: 0;
+  overflow: hidden;
+  border-radius: 12px;
+  box-shadow: 0 8px 32px rgb(0 0 0 / 12%);
+}
+.pay-account-setup-dialog .el-dialog__header {
+  padding: 20px 24px 12px;
+  margin: 0;
+}
+.pay-account-setup-dialog .el-dialog__headerbtn {
+  top: 16px;
+  right: 16px;
+  font-size: 18px;
+}
+.pay-account-setup-dialog .el-dialog__body {
+  height: auto !important;
+  max-height: none !important;
+  padding: 4px 24px 8px !important;
+  overflow: visible !important;
+}
+.pay-account-setup-dialog .el-dialog__footer {
+  padding: 16px 24px 24px;
+}
+.pay-account-setup-dialog__title {
+  width: 100%;
+  font-size: 17px;
+  font-weight: 600;
+  color: #303133;
+  text-align: center;
+}
+.pay-account-option-list {
+  display: flex;
+  flex-direction: column;
+}
+.pay-account-option {
+  display: flex;
+  gap: 14px;
+  align-items: center;
+  width: 100%;
+  padding: 16px 0;
+  margin: 0;
+  font: inherit;
+  text-align: left;
+  cursor: pointer;
+  background: transparent;
+  border: none;
+  border-bottom: 1px solid #ebeef5;
+  outline: none;
+}
+.pay-account-option:last-of-type {
+  border-bottom: none;
+}
+.pay-account-option__icon {
+  flex-shrink: 0;
+  width: 36px;
+  height: 36px;
+  border-radius: 8px;
+}
+.pay-account-option__icon--alipay {
+  background: #1677ff;
+  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M8.5 7.2h2.2v1.9H8.5V7.2zm0 3.1h2.2v5.4H8.5v-5.4zm3.8-3.1h4.6c1.4 0 2.4 1 2.4 2.3 0 1.1-.7 2-1.7 2.3l1.9 3.8h-2.5l-1.6-3.2h-1.4v3.2h-2.2V7.2zm2.2 3.6h2.1c.6 0 1-.4 1-.9 0-.5-.4-.9-1-.9h-2.1v1.8z'/%3E%3C/svg%3E");
+  background-repeat: no-repeat;
+  background-position: center;
+  background-size: 26px 26px;
+}
+.pay-account-option__icon--wechat {
+  background: #07c160;
+  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M8.5 10.5c-.8 0-1.5-.7-1.5-1.5S7.7 7.5 8.5 7.5 10 8.2 10 9s-.7 1.5-1.5 1.5zm7 0c-.8 0-1.5-.7-1.5-1.5S14.7 7.5 15.5 7.5 17 8.2 17 9s-.7 1.5-1.5 1.5z'/%3E%3Cpath fill='%23fff' d='M9 14.5c-2.5 0-4.5-1.6-4.5-3.5 0-1 .5-1.9 1.3-2.6-.1-.3-.2-.7-.2-1C5.6 5.8 8.9 4 13 4s7.4 1.8 7.4 4c0 .4-.1.8-.2 1 .8.7 1.3 1.6 1.3 2.6 0 1.9-2 3.5-4.5 3.5-.6 0-1.2-.1-1.8-.3l-2 1.1.5-1.8c-.9-.5-1.6-1.2-2-2z'/%3E%3C/svg%3E");
+  background-repeat: no-repeat;
+  background-position: center;
+  background-size: 24px 24px;
+}
+.pay-account-option__icon--bank {
+  background-color: #3b7cff;
+  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Crect x='3' y='7' width='18' height='11' rx='2' fill='%23fff' opacity='.95'/%3E%3Crect x='3' y='10' width='18' height='2' fill='%233b7cff'/%3E%3C/svg%3E");
+  background-repeat: no-repeat;
+  background-position: center;
+  background-size: 28px 22px;
+}
+.pay-account-option__label {
+  flex: 1;
+  font-size: 15px;
+  color: #303133;
+}
+.pay-account-option__radio {
+  display: flex;
+  flex-shrink: 0;
+  align-items: center;
+  justify-content: center;
+  width: 22px;
+  height: 22px;
+  border: 2px solid #dcdfe6;
+  border-radius: 50%;
+  transition:
+    border-color 0.2s,
+    background 0.2s;
+}
+.pay-account-option__radio.is-checked {
+  background: #7395ff;
+  border-color: #7395ff;
+}
+.pay-account-option__check {
+  font-size: 14px;
+  font-weight: 700;
+  color: #ffffff;
+}
+.pay-account-setup-dialog__confirm {
+  width: 100%;
+  height: 44px;
+  font-size: 16px;
+  font-weight: 500;
+  color: #ffffff;
+  background: #7395ff !important;
+  border-color: #7395ff !important;
+  border-radius: 8px;
+}
+.pay-account-setup-dialog__confirm:hover {
+  background: #5f82f0 !important;
+  border-color: #5f82f0 !important;
 }
 </style>