feat: 完善会员资金明细与退款转账逻辑，新增支付密码组件与资金流水界面

application/admin/controller/fc/Userext.php

@@ -109,11 +109,25 @@ class Userext extends Backend
                     'updatetime' => $now,
                 ]);
 
-                // 资金流水（平台口径：余额充值属于收入）
+                // 资金流水（平台口径：充值属于收入；scene=后台充值 与用户微信充值区分）
                 Db::name('fc_finance_flow')->insert([
+                    'user_id'    => $uid,
                     'flow_no'    => 'R' . date('YmdHis') . mt_rand(100, 999) . $uid,
                     'type'       => 'income',
-                    'scene'      => '余额充值',
+                    'scene'      => '后台充值',
+                    'amount'     => $amount,
+                    'balance'    => $balance,
+                    'related_id' => $uid,
+                    'remark'     => $remark !== '' ? $remark : ('后台充值给用户 #' . $uid),
+                    'createtime' => $now,
+                ]);
+
+                // 用户钱包流水（fa_user.money 增）→ 余额中心「余额明细」
+                Db::name('fc_wallet_flow')->insert([
+                    'user_id'    => $uid,
+                    'flow_no'    => 'W' . date('YmdHis') . mt_rand(100, 999) . $uid,
+                    'type'       => 'income',
+                    'scene'      => '后台充值',
                     'amount'     => $amount,
                     'balance'    => $balance,
                     'related_id' => $uid,