```

feat(shopro): 添加汇付延时分账对账功能

- 新增 huifu_delay_reconcile.sql 对账脚本，包含多个维度的分账核对查询
- 在 split_commission_verify.php 中添加 audit-delay 命令，支持实时查询汇付未确认金额
- 实现递归解析汇付查单响应的功能，支持嵌套JSON数据提取
- 提供延时分账订单审计功能，可对比本地状态与汇付侧 unconfirm_amt
- 支持批量诊断延时分账待确认订单，便于排查资金卡顿问题
```

addons/shopro/tests/huifu_delay_reconcile.sql

@@ -0,0 +1,150 @@
+-- 汇付「延时分账待交易确认」与商城分账记录对账
+-- 用法：在 MySQL 执行（表前缀 fa_ 请按实际修改）
+-- 图1 汇付控台「商品描述=商城订单{order_sn}」可与 order_sn 直接对应
+
+SELECT '=== 1. 当前分账配置（是否支付即分账）===' AS section;
+SELECT name, value, description
+FROM fa_shopro_split_config
+WHERE name IN (
+  'split_enable', 'split_mode', 'split_provider', 'split_timing',
+  'split_amount_source', 'delay_acct_enable', 'platform_huifu_id'
+);
+
+-- 汇付控台截图中的 8 笔订单号（可按需增删）
+SET @huifu_pending_sns = '202605495163454091004900,202609215157744091003800,202604274596990091003800,202606500438103091004500,202608341834105091004400,202607585392320091004300,202602490038750091003800,202602385010837091001400';
+
+SELECT '=== 2. 汇付待确认列表 vs 商城分账/支付扩展（核心对账）===' AS section;
+
+SELECT
+  o.id AS order_id,
+  o.order_sn,
+  o.status AS order_status,
+  o.pay_fee,
+  FROM_UNIXTIME(o.paytime) AS pay_time,
+  FROM_UNIXTIME(
+    NULLIF(CAST(JSON_UNQUOTE(JSON_EXTRACT(o.ext, '$.confirm_time')) AS UNSIGNED), 0)
+  ) AS buyer_confirm_time,
+  pe.delay_acct_flag,
+  pe.confirm_status,
+  pe.confirm_hf_seq_id,
+  pe.hf_seq_id,
+  so.id AS split_order_id,
+  so.status AS split_status,
+  CASE so.status
+    WHEN 0 THEN '待分账'
+    WHEN 1 THEN '分账中'
+    WHEN 2 THEN '成功'
+    WHEN 3 THEN '部分成功'
+    WHEN 4 THEN '失败'
+    ELSE IF(so.id IS NULL, '无分账记录', so.status)
+  END AS split_status_label,
+  so.split_source,
+  so.split_amount,
+  LEFT(so.wx_result, 160) AS split_fail_hint,
+  CASE
+    WHEN pe.delay_acct_flag IS NULL OR pe.delay_acct_flag = '' THEN '⚠ 无 pay_ext 或未记录 delay 标记'
+    WHEN UPPER(pe.delay_acct_flag) <> 'Y' THEN '✗ 非延时分账单，控台待确认需单独核对'
+    WHEN pe.confirm_status = 'S' OR so.status = 2 THEN '✓ 已交易确认/分账成功'
+    WHEN so.id IS NULL THEN '✗ 从未生成分账记录（常见：split_timing≠当前订单状态，或支付时未开分账）'
+    WHEN so.status = 4 THEN '✗ 分账失败，未 confirm 成功（资金仍可能卡在汇付）'
+    WHEN so.status IN (0, 1) THEN '… 分账处理中'
+    ELSE '请人工核对'
+  END AS reconcile_hint
+FROM fa_shopro_order o
+LEFT JOIN fa_shopro_huifu_pay_ext pe ON pe.order_id = o.id
+LEFT JOIN (
+  SELECT t.*
+  FROM fa_shopro_split_order t
+  INNER JOIN (
+    SELECT order_id, MAX(id) AS max_id
+    FROM fa_shopro_split_order
+    WHERE channel = 'huifu'
+    GROUP BY order_id
+  ) x ON x.max_id = t.id
+) so ON so.order_id = o.id
+WHERE FIND_IN_SET(o.order_sn, REPLACE(@huifu_pending_sns, ' ', ''))
+ORDER BY o.paytime DESC;
+
+SELECT '=== 3. 近90天：延时分账(Y)但未 confirm 成功（与控台待释放资金相关）===' AS section;
+
+SELECT
+  o.id AS order_id,
+  o.order_sn,
+  o.pay_fee,
+  FROM_UNIXTIME(o.paytime) AS pay_time,
+  pe.confirm_status,
+  pe.confirm_hf_seq_id,
+  IFNULL(so.status, -1) AS split_status,
+  LEFT(so.wx_result, 120) AS fail_msg
+FROM fa_shopro_order o
+INNER JOIN fa_shopro_huifu_pay_ext pe ON pe.order_id = o.id
+LEFT JOIN (
+  SELECT order_id, MAX(status) AS status, MAX(wx_result) AS wx_result
+  FROM fa_shopro_split_order WHERE channel = 'huifu' GROUP BY order_id
+) so ON so.order_id = o.id
+WHERE o.pay_type = 'huifu_wechat'
+  AND o.paytime >= UNIX_TIMESTAMP(DATE_SUB(NOW(), INTERVAL 90 DAY))
+  AND UPPER(IFNULL(pe.delay_acct_flag, '')) = 'Y'
+  AND IFNULL(pe.confirm_status, '') <> 'S'
+  AND IFNULL(so.status, 0) <> 2
+ORDER BY o.paytime DESC
+LIMIT 100;
+
+SELECT '=== 4. 有延时分账标记但从未出现分账记录（高概率未触发 split）===' AS section;
+
+SELECT
+  o.id,
+  o.order_sn,
+  FROM_UNIXTIME(o.paytime) AS pay_time,
+  o.status AS order_status,
+  pe.delay_acct_flag,
+  (SELECT value FROM fa_shopro_split_config WHERE name = 'split_timing' LIMIT 1) AS split_timing
+FROM fa_shopro_order o
+INNER JOIN fa_shopro_huifu_pay_ext pe ON pe.order_id = o.id
+LEFT JOIN fa_shopro_split_order so ON so.order_id = o.id AND so.channel = 'huifu'
+WHERE o.pay_type = 'huifu_wechat'
+  AND o.paytime >= UNIX_TIMESTAMP(DATE_SUB(NOW(), INTERVAL 90 DAY))
+  AND UPPER(pe.delay_acct_flag) = 'Y'
+  AND so.id IS NULL
+ORDER BY o.id DESC
+LIMIT 50;
+
+SELECT '=== 5. 分账失败(status=4) 汇付延时分账单 ===' AS section;
+
+SELECT
+  so.order_id,
+  so.order_sn,
+  so.split_amount,
+  so.retry_count,
+  FROM_UNIXTIME(so.createtime) AS split_at,
+  LEFT(so.wx_result, 200) AS fail_reason
+FROM fa_shopro_split_order so
+INNER JOIN fa_shopro_order o ON o.id = so.order_id
+INNER JOIN fa_shopro_huifu_pay_ext pe ON pe.order_id = o.id
+WHERE so.channel = 'huifu'
+  AND so.status = 4
+  AND UPPER(IFNULL(pe.delay_acct_flag, '')) = 'Y'
+ORDER BY so.id DESC
+LIMIT 50;
+
+SELECT '=== 6. 本地标记已 confirm 但可能未真正释放（需 CLI audit-delay --live 核实）===' AS section;
+
+SELECT
+  o.order_sn,
+  o.pay_fee,
+  pe.confirm_status,
+  pe.confirm_hf_seq_id,
+  so.status AS split_status,
+  so.confirm_hf_seq_id AS split_confirm_seq,
+  FROM_UNIXTIME(so.createtime) AS split_at
+FROM fa_shopro_order o
+INNER JOIN fa_shopro_huifu_pay_ext pe ON pe.order_id = o.id
+LEFT JOIN (
+  SELECT order_id, MAX(id) AS max_id FROM fa_shopro_split_order WHERE channel = 'huifu' GROUP BY order_id
+) x ON x.order_id = o.id
+LEFT JOIN fa_shopro_split_order so ON so.id = x.max_id
+WHERE o.pay_type = 'huifu_wechat'
+  AND UPPER(pe.delay_acct_flag) = 'Y'
+  AND (pe.confirm_status = 'S' OR so.status = 2)
+ORDER BY o.paytime DESC
+LIMIT 50;

addons/shopro/tests/split_commission_verify.php

@@ -10,6 +10,7 @@
  *   php addons/shopro/tests/split_commission_verify.php diagnose-missing [limit=20]
  *   php addons/shopro/tests/split_commission_verify.php try-split {order_sn} --execute  # 补跑汇付分账（慎用）
  *   php addons/shopro/tests/split_commission_verify.php try-split {order_sn} --confirm-only  # 仅延时分账确认、不分账（排查22000002）
+ *   php addons/shopro/tests/split_commission_verify.php audit-delay [limit=30] [--live]  # 延迟户对账：本地+可选汇付查单 unconfirm_amt
  */
 
 if (PHP_SAPI !== 'cli') {
@@ -62,9 +63,14 @@ switch ($command) {
         $confirmOnly = in_array('--confirm-only', $argv, true);
         trySplitOrder($sn, $execute, $confirmOnly);
         break;
+    case 'audit-delay':
+        $limit = max(1, min(200, intval($argv[2] ?? 30)));
+        $live = in_array('--live', $argv, true);
+        auditDelayUnconfirm($limit, $live);
+        break;
     default:
         echo "未知命令: {$command}\n";
-        echo "可用: summary | anomalies | order {order_sn} | recent-success [limit] | diagnose-missing [limit] | try-split {order_sn} [--execute|--confirm-only]\n";
+        echo "可用: summary | anomalies | order {order_sn} | recent-success [limit] | diagnose-missing [limit] | try-split {order_sn} [--execute|--confirm-only] | audit-delay [limit] [--live]\n";
         exit(1);
 }
 
@@ -718,6 +724,137 @@ function printOrderDetail($orderSn)
     }
 }
 
+/**
+ * 延迟专户余额排查：列出 delay_acct=Y 订单，可选 live 查汇付 unconfirm_amt
+ */
+/** 从汇付查单响应（可能嵌套 JSON 字符串）取字段 */
+function huifuQueryFieldRecursive($data, $key)
+{
+    if (is_string($data)) {
+        $trim = trim($data);
+        if ($trim !== '' && ($trim[0] === '{' || $trim[0] === '[')) {
+            $decoded = json_decode($trim, true);
+            if (is_array($decoded)) {
+                return huifuQueryFieldRecursive($decoded, $key);
+            }
+        }
+        return null;
+    }
+    if (!is_array($data)) {
+        return null;
+    }
+    if (array_key_exists($key, $data)) {
+        return $data[$key];
+    }
+    foreach ($data as $v) {
+        $found = huifuQueryFieldRecursive($v, $key);
+        if ($found !== null && $found !== '') {
+            return $found;
+        }
+    }
+    return null;
+}
+
+function auditDelayUnconfirm($limit, $live)
+{
+    $since = time() - 180 * 86400;
+    $peFields = 'o.id, o.order_sn, o.pay_fee, o.paytime, o.status, pe.confirm_status, pe.confirm_hf_seq_id';
+    if (tableHasColumn('shopro_huifu_pay_ext', 'split_timing_at_pay')) {
+        $peFields .= ', pe.split_timing_at_pay';
+    }
+    $rows = Db::name('shopro_order')->alias('o')
+        ->join('shopro_huifu_pay_ext pe', 'pe.order_id = o.id')
+        ->where('o.pay_type', 'huifu_wechat')
+        ->where('o.paytime', '>=', $since)
+        ->whereRaw("UPPER(IFNULL(pe.delay_acct_flag, '')) = 'Y'")
+        ->field($peFields)
+        ->order('o.paytime', 'desc')
+        ->limit($limit)
+        ->select();
+
+    echo "========================================\n";
+    echo "  延时分账订单审计（最多 {$limit} 笔，近180天 delay_acct=Y）\n";
+    echo "  --live 会调汇付支付查单，以 unconfirm_amt 为准\n";
+    echo "========================================\n\n";
+
+    $querySvc = null;
+    if ($live && class_exists('\\addons\\shopro_huifu\\library\\HuifuQueryService')) {
+        $querySvc = new \addons\shopro_huifu\library\HuifuQueryService();
+    } elseif ($live) {
+        echo "⚠ 未安装 shopro_huifu，忽略 --live\n\n";
+    }
+
+    $sumUnconfirm = '0.00';
+    $pendingCount = 0;
+
+    foreach ($rows as $row) {
+        $oid = intval($row['id']);
+        $split = Db::name('shopro_split_order')
+            ->where('order_id', $oid)
+            ->where('channel', 'huifu')
+            ->order('id', 'desc')
+            ->find();
+
+        $splitStatus = $split ? intval($split['status']) : -1;
+        $splitLabel = $split ? (['0' => '待', '1' => '中', '2' => '成功', '3' => '部分', '4' => '失败'][$splitStatus] ?? $splitStatus) : '无记录';
+
+        $unconfirm = null;
+        $remoteDelay = null;
+        $freeze = null;
+        $confirmResp = null;
+        if ($querySvc) {
+            try {
+                $q = $querySvc->queryByOrderSn($row['order_sn']);
+                $unconfirm = huifuQueryFieldRecursive($q, 'unconfirm_amt');
+                $remoteDelay = huifuQueryFieldRecursive($q, 'delay_acct_flag');
+                $freeze = huifuQueryFieldRecursive($q, 'fund_freeze_stat');
+                if ($unconfirm !== null && $unconfirm !== '' && bccomp((string) $unconfirm, '0.00', 2) > 0) {
+                    $sumUnconfirm = bcadd($sumUnconfirm, number_format((float) $unconfirm, 2, '.', ''), 2);
+                    $pendingCount++;
+                }
+            } catch (\Throwable $e) {
+                $confirmResp = '查单失败: ' . $e->getMessage();
+            }
+        }
+
+        $localClaimOk = ($row['confirm_status'] === 'S' || $splitStatus === 2);
+        $flagMismatch = false;
+        if ($unconfirm !== null && $unconfirm !== '' && bccomp((string) $unconfirm, '0.00', 2) > 0 && $localClaimOk) {
+            $flagMismatch = true;
+        }
+
+        echo str_repeat('-', 72) . "\n";
+        echo "order_sn: {$row['order_sn']}  id={$oid}  pay_fee={$row['pay_fee']}\n";
+        $timingAtPay = isset($row['split_timing_at_pay']) ? $row['split_timing_at_pay'] : '-';
+        echo 'pay_time: ' . date('Y-m-d H:i:s', $row['paytime']) . "  order_status={$row['status']}  split_timing_at_pay={$timingAtPay}\n";
+        echo "本地: confirm_status=" . ($row['confirm_status'] ?: 'NULL') . "  confirm_hf_seq_id=" . ($row['confirm_hf_seq_id'] ?: '-') . "\n";
+        echo "本地分账: {$splitLabel}" . ($split ? " split_amount={$split['split_amount']} id={$split['id']}" : '') . "\n";
+        if ($querySvc && $confirmResp === null) {
+            echo "汇付查单: delay_acct_flag={$remoteDelay} unconfirm_amt={$unconfirm} fund_freeze_stat={$freeze}\n";
+        } elseif ($confirmResp) {
+            echo "{$confirmResp}\n";
+        }
+        if ($flagMismatch) {
+            echo ">>> ⚠ 本地显示已确认/分账成功，但汇付仍有 unconfirm_amt（符合汇付说的「返回链路/终态未对齐」）\n";
+        } elseif ($splitLabel === '无记录') {
+            echo ">>> ⚠ 从未分账：多为 split_timing=confirm 且未确认收货，或当时未触发分账\n";
+        } elseif ($splitStatus === 4) {
+            echo ">>> ⚠ 分账失败，资金可能仍在延迟户\n";
+        } elseif ($unconfirm !== null && bccomp((string) $unconfirm, '0.00', 2) > 0) {
+            echo ">>> ⚠ 汇付侧仍有待确认金额\n";
+        }
+    }
+
+    echo "\n========================================\n";
+    if ($querySvc) {
+        echo "汇付查单汇总: 仍有 unconfirm_amt>0 的订单 {$pendingCount} 笔，合计约 ¥{$sumUnconfirm}\n";
+        echo "（可与控台「延迟户」余额对照；内扣手续费后单笔待确认略小于 pay_fee）\n";
+    } else {
+        echo "加 --live 调汇付查单 unconfirm_amt，才能精确对应延迟户余额。\n";
+    }
+    echo "处理: 无分账记录 → 确认收货或 try-split --execute；仅释款 → try-split --confirm-only\n";
+}
+
 function printRecentSuccess($limit)
 {
     $rows = Db::name('shopro_split_order')->alias('so')