已完成用户APP首期功能开发

交付用户端首期页面、配套接口、后台资源及测试文档。用户APP构建、静态分析和三个管理后台构建通过；完整测试仍有2项失败，后端模型注释检查未通过，详见交付记录。

backend/api/internal/logic/common/recharge_options_test.go

@@ -0,0 +1,62 @@
+// 功能描述：充值配置缺项、协议缺失及鉴权失败回归；版本：1.0.0。
+package common
+
+import (
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/config"
+	"git.apinb.com/heqiapp/platforms/backend/api/internal/impl"
+	"github.com/DATA-DOG/go-sqlmock"
+	"gorm.io/driver/postgres"
+	"gorm.io/gorm"
+	"gorm.io/gorm/logger"
+	"strings"
+	"testing"
+)
+
+// TestRechargeOptionsUnavailable 未配置渠道不能被标记可支付，无协议不伪造正文。
+func TestRechargeOptionsUnavailable(t *testing.T) {
+	connection, mock, err := sqlmock.New()
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer connection.Close()
+	db, err := gorm.Open(postgres.New(postgres.Config{Conn: connection}), &gorm.Config{Logger: logger.Default.LogMode(logger.Silent)})
+	if err != nil {
+		t.Fatal(err)
+	}
+	oldDB, oldPayment := impl.DBService, config.Spec.Payment
+	impl.DBService = db
+	config.Spec.Payment.Alipay.Enabled = false
+	config.Spec.Payment.Wechat.Enabled = false
+	defer func() { impl.DBService = oldDB; config.Spec.Payment = oldPayment }()
+	mock.ExpectQuery(`SELECT .* FROM "user_account".*identity = \$1 AND status = \$2`).WithArgs("alice", 1, 1).
+		WillReturnRows(sqlmock.NewRows([]string{"id", "identity", "phone"}).AddRow(7, "alice", "13800000001"))
+	mock.ExpectQuery(`SELECT .* FROM "cms_content".*content_type = \$1 AND title = \$2 AND publish_status = \$3 AND status = \$4.*ORDER BY version_no desc, id desc`).
+		WithArgs("agreement", "充值协议", "published", 1, 1).WillReturnRows(sqlmock.NewRows([]string{"id"}))
+	ctx, response := paymentTestContext("")
+	GetRechargeOptions("user_app")(ctx)
+	body := response.Body.String()
+	if !strings.Contains(body, `"code":0`) || strings.Contains(body, `"app":true`) || strings.Contains(body, `"wap":true`) || strings.Contains(body, `"agreement":`) || strings.Contains(body, `"mock"`) {
+		t.Fatal(body)
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatal(err)
+	}
+	// 账户查不到时不得继续查询协议或返回支付配置信息。
+	mock.ExpectQuery(`SELECT .* FROM "user_account".*identity = \$1 AND status = \$2`).WithArgs("alice", 1, 1).
+		WillReturnRows(sqlmock.NewRows([]string{"id", "identity"}))
+	deniedContext, deniedResponse := paymentTestContext("")
+	GetRechargeOptions("user_app")(deniedContext)
+	if strings.Contains(deniedResponse.Body.String(), `"channels"`) || strings.Contains(deniedResponse.Body.String(), `"code":0`) {
+		t.Fatal("未鉴权账户取得充值配置")
+	}
+	if err := mock.ExpectationsWereMet(); err != nil {
+		t.Fatal(err)
+	}
+}
+
+// TestRechargeFileReadyRejectsDirectory 路径存在但为目录时不得宣告密钥配置就绪。
+func TestRechargeFileReadyRejectsDirectory(t *testing.T) {
+	if rechargeFileReady("") || rechargeFileReady(t.TempDir()) || rechargeFileReady("missing-recharge-key-file") {
+		t.Fatal("错误接受缺失或目录配置")
+	}
+}