fix(export): 修复Excel导出zipstream库PHP8兼容性与临时文件安全流式输出

tests/partner/verify_withdraw_100_multiple_spec.js

@@ -142,7 +142,7 @@ function validateWithdrawMoney(moneyInput, userBalance) {
         return { valid: false, message: '提现金额必须为100的整数倍' };
     }
     if (floatMoney > userBalance) {
-        return { valid: false, message: '商城可用余额不足' };
+        return { valid: false, message: '钱包可用余额不足' };
     }
     return { valid: true, message: '验证通过' };
 }
@@ -190,7 +190,7 @@ const valNegative = validateWithdrawMoney(-100, 500);
 testAssert(valNegative.valid === false && valNegative.message === '请输入正确的提现金额', '校验用例：金额 -100 元被拦截');
 
 const valExceed = validateWithdrawMoney(200, 150);
-testAssert(valExceed.valid === false && valExceed.message === '商城可用余额不足', '校验用例：金额 200 元（余额 150 元）超额拦截');
+testAssert(valExceed.valid === false && valExceed.message === '钱包可用余额不足', '校验用例：金额 200 元（余额 150 元）超额拦截');
 
 console.log('\n========================================================');
 console.log(`  测试结果汇总：共 ${passCount + failCount} 项测试，通过: ${passCount}，失败: ${failCount}`);