新增支付与钱包模块，并接入首页路由

引入真实收款与钱包页面替换首页占位入口，通过 RootView 接入 API，并支持银行卡 OSS 上传及二维码保存到相册。

Co-authored-by: Cursor <cursoragent@cursor.com>

suixinkanTests/HomeMenuRouterTests.swift

@@ -25,6 +25,10 @@ final class HomeMenuRouterTests: XCTestCase {
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "space_settings", title: ""), .destination(.profileSpace))
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "scenicselection", title: ""), .destination(.scenicSelection))
         XCTAssertEqual(HomeMenuRouter.resolve(uri: "store", title: ""), .destination(.moreFunctions))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "wallet", title: ""), .destination(.wallet))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_collection", title: ""), .destination(.paymentCollection))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_qr", title: ""), .destination(.paymentCollection))
+        XCTAssertEqual(HomeMenuRouter.resolve(uri: "payment_code", title: ""), .destination(.paymentCollection))
     }
 
     /// 测试已知但未迁移的首页路由会进入安全占位。
@@ -33,10 +37,6 @@ final class HomeMenuRouterTests: XCTestCase {
             HomeMenuRouter.resolve(uri: "task_management", title: ""),
             .destination(.modulePlaceholder(uri: "task_management", title: "任务管理"))
         )
-        XCTAssertEqual(
-            HomeMenuRouter.resolve(uri: "payment_qr", title: ""),
-            .destination(.modulePlaceholder(uri: "payment_qr", title: "收款码"))
-        )
     }
 
     /// 测试 Tab 路由仍集中在 HomeMenuRouter。

suixinkanTests/NavigationRouterTests.swift

@@ -14,6 +14,8 @@ final class NavigationRouterTests: XCTestCase {
     func testPushedRoutesHideTabBarByDefault() {
         XCTAssertTrue(AppRoute.placeholder(title: "详情").hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.home(.moreFunctions).hidesTabBarWhenPushed)
+        XCTAssertTrue(AppRoute.home(.paymentCollection).hidesTabBarWhenPushed)
+        XCTAssertTrue(AppRoute.home(.wallet).hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.orders(.storeDetail(try! Self.firstOrder())).hidesTabBarWhenPushed)
         XCTAssertTrue(AppRoute.orders(.writeOffDetail(try! Self.firstWriteOffOrder())).hidesTabBarWhenPushed)
     }

suixinkanTests/PaymentViewModelTests.swift

@@ -0,0 +1,108 @@
+//
+//  PaymentViewModelTests.swift
+//  suixinkanTests
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import XCTest
+@testable import suixinkan
+
+@MainActor
+/// 收款模块测试，覆盖收款码、动态二维码、轮询和记录分组。
+final class PaymentViewModelTests: XCTestCase {
+    /// 测试无景区时清空二维码且不请求接口。
+    func testLoadPayCodeWithoutScenicClearsState() async {
+        let api = PaymentMockAPI()
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.staticPayUrl = "old"
+
+        await viewModel.loadPayCode(api: api, scenicId: nil)
+
+        XCTAssertTrue(viewModel.staticPayUrl.isEmpty)
+        XCTAssertEqual(api.payCodeScenicIds, [])
+        XCTAssertEqual(viewModel.errorMessage, "请先选择景区")
+    }
+
+    /// 测试收款码接口加载后生成当前二维码 URL。
+    func testLoadPayCodeUsesScenicIdAndAppliesStaticURL() async {
+        let api = PaymentMockAPI()
+        api.payCodeResponse = PayCodeResponse(staticPayUrl: "https://pay.example.com/static", dynamicPayUrl: "https://pay.example.com/dynamic")
+        let viewModel = PaymentCollectionViewModel()
+
+        await viewModel.loadPayCode(api: api, scenicId: 9)
+
+        XCTAssertEqual(api.payCodeScenicIds, [9])
+        XCTAssertEqual(viewModel.currentPayUrl, "https://pay.example.com/static")
+        XCTAssertTrue(viewModel.hasStaticPayCode)
+    }
+
+    /// 测试设置金额会校验金额并生成动态收款 URL。
+    func testApplyDynamicAmountBuildsDynamicURL() async {
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.dynamicPayUrl = "https://pay.example.com/dynamic?scenic_id=9"
+        viewModel.amountText = "12.345"
+        viewModel.remarkText = "茶水"
+
+        XCTAssertTrue(viewModel.applyDynamicAmount())
+        XCTAssertTrue(viewModel.currentPayUrl.contains("amount=12.35"))
+        XCTAssertTrue(viewModel.currentPayUrl.contains("remark="))
+        XCTAssertEqual(viewModel.status, .waiting)
+    }
+
+    /// 测试轮询命中新收款记录后进入成功态。
+    func testPollingFindsNewPaymentRecord() async {
+        let api = PaymentMockAPI()
+        api.recordResponses = [
+            PaymentCollectionRecordResponse(list: [
+                PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-22", createTime: "10:00")
+            ]),
+            PaymentCollectionRecordResponse(list: [
+                PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-22", createTime: "10:00"),
+                PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.35", createDate: "2026-06-22", createTime: "10:01")
+            ])
+        ]
+        let viewModel = PaymentCollectionViewModel()
+        viewModel.amountText = "12.35"
+        await viewModel.primePaymentRecords(api: api, scenicId: 9)
+
+        await viewModel.pollUntilPaymentDetected(api: api, scenicId: 9, maxAttempts: 1, intervalNanoseconds: 0)
+
+        XCTAssertEqual(viewModel.status, .success(PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.35", createDate: "2026-06-22", createTime: "10:01")))
+    }
+
+    /// 测试后端缺少日汇总时能从列表兜底生成分组。
+    func testRecordGroupsFallbackFromList() {
+        let response = PaymentCollectionRecordResponse(list: [
+            PaymentCollectionRecordItem(orderNumber: "A", userPhone: "138", orderAmount: "8.00", createDate: "2026-06-21", createTime: "10:00"),
+            PaymentCollectionRecordItem(orderNumber: "B", userPhone: "139", orderAmount: "12.00", createDate: "2026-06-21", createTime: "10:01")
+        ])
+
+        let groups = PaymentCollectionRecordViewModel.makeGroups(from: response)
+
+        XCTAssertEqual(groups.count, 1)
+        XCTAssertEqual(groups[0].analyse.orderCount, 2)
+        XCTAssertEqual(groups[0].analyse.orderAmountSum, "20")
+    }
+}
+
+@MainActor
+/// 收款 API 测试替身。
+private final class PaymentMockAPI: PaymentServing {
+    var payCodeResponse = PayCodeResponse()
+    var recordResponses: [PaymentCollectionRecordResponse] = []
+    private(set) var payCodeScenicIds: [Int] = []
+    private(set) var recordScenicIds: [Int] = []
+
+    /// 记录景区 ID 并返回收款码响应。
+    func payCode(scenicId: Int) async throws -> PayCodeResponse {
+        payCodeScenicIds.append(scenicId)
+        return payCodeResponse
+    }
+
+    /// 记录景区 ID 并返回下一份收款记录响应。
+    func paymentCollectionRecords(scenicId: Int) async throws -> PaymentCollectionRecordResponse {
+        recordScenicIds.append(scenicId)
+        return recordResponses.isEmpty ? PaymentCollectionRecordResponse() : recordResponses.removeFirst()
+    }
+}

suixinkanTests/ProfileSecondaryPagesTests.swift

@@ -370,6 +370,11 @@ private final class MockOSSUploader: OSSUploadServing {
     func uploadScenicApplicationImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
         avatarURL
     }
+
+    /// 模拟上传银行卡照片。
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
+        avatarURL
+    }
 }
 
 /// 生成测试用 JPEG 图片数据。

suixinkanTests/UploadTests.swift

@@ -43,6 +43,10 @@ final class UploadTests: XCTestCase {
             OSSUploadPolicy.objectKey(fileName: "video.mp4", scenicId: 9, moduleType: "task_upload", date: date, uuid: uuid, timeZone: timeZone),
             "task_upload/20260101/9/123456781234123412341234567890AB_video.mp4"
         )
+        XCTAssertEqual(
+            OSSUploadPolicy.objectKey(fileName: "bank.jpg", scenicId: 9, moduleType: "bank_card", date: date, uuid: uuid, timeZone: timeZone),
+            "bank_card/20260101/9/123456781234123412341234567890AB_bank.jpg"
+        )
     }
 
     /// 测试 MIME 类型推断和 URL 拼接规则。

suixinkanTests/WalletViewModelTests.swift

@@ -0,0 +1,222 @@
+//
+//  WalletViewModelTests.swift
+//  suixinkanTests
+//
+//  Created by Codex on 2026/6/22.
+//
+
+import XCTest
+@testable import suixinkan
+
+@MainActor
+/// 钱包模块测试，覆盖首页、提现资格、银行卡上传和积分兑换。
+final class WalletViewModelTests: XCTestCase {
+    /// 测试钱包首页会加载汇总和收益明细。
+    func testWalletInitialLoadFetchesSummaryAndEarnings() async {
+        let api = WalletMockAPI()
+        api.summary = WalletSummaryResponse(amountTotal: "100", amountCurrentBalance: "80", amountWithdrawable: "60")
+        api.earningResponses = [WalletEarningDetailResponse(total: 1, list: [WalletEarningDetailGroup(date: "2026-06-22")])]
+        let viewModel = WalletViewModel()
+
+        await viewModel.loadInitial(api: api, staffId: 7)
+
+        XCTAssertEqual(viewModel.withdrawableText, "¥ 60")
+        XCTAssertEqual(api.pointOverviewStaffIds, [7])
+        XCTAssertEqual(api.earningQueries.count, 1)
+        XCTAssertEqual(viewModel.earningsGroups.map(\.date), ["2026-06-22"])
+    }
+
+    /// 测试切换到提现记录 Tab 会请求提现分页。
+    func testSelectWithdrawTabLoadsWithdrawRecords() async {
+        let api = WalletMockAPI()
+        let viewModel = WalletViewModel()
+
+        await viewModel.selectTab(.withdraws, api: api)
+
+        XCTAssertEqual(api.withdrawListPages, [1])
+    }
+
+    /// 测试提现资格流根据实名认证和银行卡状态进入正确页面。
+    func testWithdrawDecisionRoutesByRealNameAndBankCardState() async throws {
+        let profile = WalletRealNameMockAPI()
+        let wallet = WalletMockAPI()
+        let viewModel = WalletViewModel()
+
+        profile.response = RealNameInfoResponse(realNameInfo: nil)
+        var decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.realNameAuth))
+
+        profile.response = try Self.realNameInfo(status: 2)
+        wallet.bankCardResponse = BankCardInfoResponse(bankCard: nil)
+        decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.bankCardSettings))
+
+        wallet.bankCardResponse = try BankCardInfoResponse(bankCard: Self.bankCard(status: 2))
+        decision = await viewModel.resolveWithdrawDecision(profileAPI: profile, walletAPI: wallet)
+        XCTAssertEqual(decision, .route(.withdrawApply))
+    }
+
+    /// 测试提现申请提交会校验金额并传递规范化金额。
+    func testWithdrawApplySubmitsNormalizedAmount() async throws {
+        let api = WalletMockAPI()
+        api.withdrawInfoResponse = try Self.withdrawInfo(withdrawable: "100")
+        let viewModel = WithdrawApplyViewModel()
+        await viewModel.load(api: api)
+        viewModel.amountText = "12.345"
+        viewModel.smsCode = "8899"
+
+        let success = await viewModel.submit(api: api)
+
+        XCTAssertTrue(success)
+        XCTAssertEqual(api.withdrawApplyBodies.map(\.amount), ["12.35"])
+        XCTAssertEqual(api.withdrawApplyBodies.map(\.smsCode), ["8899"])
+    }
+
+    /// 测试银行卡设置会先上传正反面照片，再提交最终 URL。
+    func testWithdrawalSettingsUploadsImagesBeforeSubmit() async {
+        let api = WalletMockAPI()
+        let uploader = WalletUploadMock()
+        let viewModel = WithdrawalSettingsViewModel()
+        viewModel.realName = "张三"
+        viewModel.cardNumber = "622200"
+        viewModel.bankName = "中国银行"
+        viewModel.branchName = "杭州支行"
+        viewModel.provinceCode = "330000"
+        viewModel.cityCode = "330100"
+        viewModel.smsCode = "1234"
+        viewModel.frontImageData = Data([1])
+        viewModel.backImageData = Data([2])
+
+        let success = await viewModel.submit(api: api, uploader: uploader, scenicId: 9)
+
+        XCTAssertTrue(success)
+        XCTAssertEqual(uploader.bankUploads.count, 2)
+        XCTAssertEqual(api.updateBankRequests.first?.frontUrl, "https://cdn.example.com/bank_card_front.jpg")
+        XCTAssertEqual(api.updateBankRequests.first?.backUrl, "https://cdn.example.com/bank_card_back.jpg")
+    }
+
+    /// 测试积分兑换不能超过可兑换积分，成功后会刷新列表。
+    func testPointsRedemptionValidationAndSubmit() async {
+        let api = WalletMockAPI()
+        api.pointOverviewResponse = PointOverviewResponse(withdrawnPoints: 100)
+        let viewModel = PointsRedemptionViewModel()
+        await viewModel.load(api: api, staffId: 7)
+        viewModel.pointsText = "120"
+
+        var success = await viewModel.submit(api: api, staffId: 7)
+        XCTAssertFalse(success)
+        XCTAssertEqual(viewModel.errorMessage, "兑换积分不能超过可兑换积分")
+
+        viewModel.pointsText = "80"
+        success = await viewModel.submit(api: api, staffId: 7)
+        XCTAssertTrue(success)
+        XCTAssertEqual(api.pointApplyBodies.map(\.points), [80])
+    }
+
+    /// 从 JSON 创建实名认证响应。
+    private static func realNameInfo(status: Int) throws -> RealNameInfoResponse {
+        let data = """
+        {"real_name_info":{"real_name":"张三","id_card_no":"11010519491231002X","audit_status":\(status),"is_long_valid":1}}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(RealNameInfoResponse.self, from: data)
+    }
+
+    /// 从 JSON 创建银行卡信息。
+    private static func bankCard(status: Int) throws -> WalletBankCardInfo {
+        let data = """
+        {"real_name":"张三","bank_name":"中国银行","branch_name":"杭州支行","card_number":"622200","audit_status":\(status),"audit_status_label":"通过"}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(WalletBankCardInfo.self, from: data)
+    }
+
+    /// 从 JSON 创建提现信息。
+    fileprivate static func withdrawInfo(withdrawable: String) throws -> WithdrawInfoResponse {
+        let data = """
+        {"amount_withdrawable":"\(withdrawable)","min_withdraw_amount":"1","max_single_withdraw_amount":"1000","max_daily_withdraw_amount":"1000","user_phone":"13800000000","bank_card":{"real_name":"张三","bank_name":"中国银行","card_number":"622200"},"withdraw_info":[]}
+        """.data(using: .utf8)!
+        return try JSONDecoder().decode(WithdrawInfoResponse.self, from: data)
+    }
+}
+
+@MainActor
+/// 钱包 API 测试替身。
+private final class WalletMockAPI: WalletServing {
+    var summary = WalletSummaryResponse()
+    var earningResponses: [WalletEarningDetailResponse] = []
+    var withdrawResponses: [WalletWithdrawListResponse] = []
+    var withdrawInfoResponse: WithdrawInfoResponse?
+    var bankCardResponse = BankCardInfoResponse(bankCard: nil)
+    var pointOverviewResponse = PointOverviewResponse()
+    private(set) var earningQueries: [(start: String, end: String, page: Int)] = []
+    private(set) var withdrawListPages: [Int] = []
+    private(set) var withdrawApplyBodies: [(amount: String, smsCode: String)] = []
+    private(set) var updateBankRequests: [UpdateBankInfoRequest] = []
+    private(set) var pointOverviewStaffIds: [Int] = []
+    private(set) var pointApplyBodies: [(points: Int, remark: String)] = []
+
+    func walletSummary(type: Int) async throws -> WalletSummaryResponse { summary }
+    func walletEarningDetail(startDate: String, endDate: String, page: Int, pageSize: Int) async throws -> WalletEarningDetailResponse {
+        earningQueries.append((startDate, endDate, page))
+        return earningResponses.isEmpty ? WalletEarningDetailResponse() : earningResponses.removeFirst()
+    }
+    func walletWithdrawList(page: Int, pageSize: Int) async throws -> WalletWithdrawListResponse {
+        withdrawListPages.append(page)
+        return withdrawResponses.isEmpty ? WalletWithdrawListResponse() : withdrawResponses.removeFirst()
+    }
+    func withdrawInfo() async throws -> WithdrawInfoResponse {
+        if let withdrawInfoResponse { return withdrawInfoResponse }
+        return try WalletViewModelTests.withdrawInfo(withdrawable: "0")
+    }
+    func withdrawSendSms() async throws {}
+    func withdrawApply(amount: String, smsCode: String) async throws {
+        withdrawApplyBodies.append((amount, smsCode))
+    }
+    func bankCardInfo() async throws -> BankCardInfoResponse { bankCardResponse }
+    func bankList() async throws -> BankListResponse { BankListResponse(banks: ["中国银行"]) }
+    func areas() async throws -> [AreaNode] { [] }
+    func bankCardVerifyCode() async throws {}
+    func updateBankInfo(_ request: UpdateBankInfoRequest) async throws {
+        updateBankRequests.append(request)
+    }
+    func pointOverview(staffId: Int) async throws -> PointOverviewResponse {
+        pointOverviewStaffIds.append(staffId)
+        return pointOverviewResponse
+    }
+    func pointWithdrawApply(points: Int, remark: String) async throws {
+        pointApplyBodies.append((points, remark))
+    }
+    func pointWithdrawList(status: Int?, page: Int, pageSize: Int) async throws -> PointWithdrawListResponse {
+        PointWithdrawListResponse()
+    }
+}
+
+@MainActor
+/// 钱包实名认证测试替身。
+private final class WalletRealNameMockAPI: WalletRealNameServing {
+    var response = RealNameInfoResponse(realNameInfo: nil)
+
+    /// 返回预设实名认证响应。
+    func realNameInfo() async throws -> RealNameInfoResponse {
+        response
+    }
+}
+
+@MainActor
+/// 钱包上传测试替身。
+private final class WalletUploadMock: OSSUploadServing {
+    private(set) var bankUploads: [String] = []
+
+    func uploadBankCardImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String {
+        bankUploads.append(fileName)
+        onProgress(100)
+        return "https://cdn.example.com/\(fileName)"
+    }
+
+    func uploadUserAvatar(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadRealNameImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadCloudFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadAlbumFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadTaskFile(data: Data, fileName: String, fileType: Int, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadPunchPointImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+    func uploadScenicApplicationImage(data: Data, fileName: String, scenicId: Int, onProgress: @escaping (Int) -> Void) async throws -> String { "" }
+}