feat(withdraw): 落地方案B一体化商城余额提现与手续费内扣模式，完善多端打款退款与对账闭环

application/admin/controller/shopro/user/User.php

@@ -351,7 +351,7 @@ class User extends Common
                     if ($amount < 0 && bcadd((string) $user->money, (string) $amount, 2) < 0) {
                         error_stop('当前余额不足，无法扣除');
                     }
-                    return WalletService::change($userId, 'money', $amount, 'admin_recharge', [], $memo ?: '后台管理调整余额');
+                    return WalletService::change($userId, 'money', $amount, 'admin_recharge', [], $memo ?: '');
                 }
 
                 if ($type === 'score') {
@@ -363,7 +363,7 @@ class User extends Common
                     if ($amount < 0 && ($user->score + $amount) < 0) {
                         error_stop('当前积分不足，无法扣除');
                     }
-                    return WalletService::change($userId, 'score', $amount, 'admin_recharge', [], $memo ?: '后台管理调整积分');
+                    return WalletService::change($userId, 'score', $amount, 'admin_recharge', [], $memo ?: '');
                 }
 
                 // 对于dmepa (madow) 与兑换券 (voucher)，属于合伙人二开资产体系