feat: integrate unified payment and wallet refunds

backend/api/internal/config/config.go

@@ -1,4 +1,4 @@
-// Package config 沿用 sample/server 的 BSM 配置加载与校验方式。
+// Package config 使用仓库统一的 BSM 配置加载与校验方式。
 package config
 
 import (
@@ -31,7 +31,42 @@ type WalletConfig struct {
 	ManualRechargeMaxAmount int64 `yaml:"-"`
 }
 
-// SrvConfig 与 sample/server 配置结构保持一致。
+// AlipayConfig 保存支付宝证书模式商户配置。私钥和证书只允许服务端读取。
+type AlipayConfig struct {
+	Enabled              bool   `yaml:"Enabled"`
+	Production           bool   `yaml:"Production"`
+	AppID                string `yaml:"AppID"`
+	PrivateKeyPath       string `yaml:"PrivateKeyPath"`
+	AppPublicCertPath    string `yaml:"AppPublicCertPath"`
+	AlipayPublicCertPath string `yaml:"AlipayPublicCertPath"`
+	AlipayRootCertPath   string `yaml:"AlipayRootCertPath"`
+	NotifyURL            string `yaml:"NotifyURL"`
+	ReturnURL            string `yaml:"ReturnURL"`
+}
+
+// WechatPayConfig 保存微信支付 API v3 平台单商户配置。
+type WechatPayConfig struct {
+	Enabled                   bool   `yaml:"Enabled"`
+	MerchantID                string `yaml:"MerchantID"`
+	MerchantCertificateSerial string `yaml:"MerchantCertificateSerial"`
+	MerchantPrivateKeyPath    string `yaml:"MerchantPrivateKeyPath"`
+	APIv3Key                  string `yaml:"APIv3Key"`
+	AppAppID                  string `yaml:"AppAppID"`
+	OfficialAccountAppID      string `yaml:"OfficialAccountAppID"`
+	MiniProgramAppID          string `yaml:"MiniProgramAppID"`
+	NotifyURL                 string `yaml:"NotifyURL"`
+}
+
+// PaymentConfig 保存统一支付、退款和 Worker 内部调用参数。
+type PaymentConfig struct {
+	ExpireMinutes        int             `yaml:"ExpireMinutes"`
+	RefundWindowDays     int             `yaml:"RefundWindowDays"`
+	InternalServiceToken string          `yaml:"InternalServiceToken"`
+	Alipay               AlipayConfig    `yaml:"Alipay"`
+	Wechat               WechatPayConfig `yaml:"Wechat"`
+}
+
+// SrvConfig 与仓库现有进程的配置结构保持一致。
 type SrvConfig struct {
 	conf.Base `yaml:",inline"`
 	Databases *conf.DBConf            `yaml:"Databases"`
@@ -39,6 +74,7 @@ type SrvConfig struct {
 	Apm       *conf.ApmConf           `yaml:"APM"`
 	Global    GlobalConfig            `yaml:"Global"`
 	Wallet    WalletConfig            `yaml:"-"`
+	Payment   PaymentConfig           `yaml:"Payment"`
 }
 
 // New 初始化 BSM 配置并校验服务监听地址。
@@ -64,6 +100,9 @@ func New(srvKey string) {
 		panic("Global.FieldEncryptionKey must contain at least 32 characters")
 	}
 	Spec.Wallet.ManualRechargeMaxAmount = Spec.Global.ManualRechargeMaxAmount
+	if Spec.Payment.ExpireMinutes <= 0 || Spec.Payment.RefundWindowDays <= 0 {
+		panic("Payment expiration and refund window must be greater than zero")
+	}
 	registerURL, err := url.ParseRequestURI(Spec.Global.UserRegisterURL)
 	if err != nil || (registerURL.Scheme != "http" && registerURL.Scheme != "https") || registerURL.Host == "" {
 		panic("Global.UserRegisterURL must be a valid HTTP or HTTPS URL")