1.新增获取充值/提现配置接口/api/finance/depositWithdrawConfig

2.优化充值和提现方式

app/common/service/DepositOrderExpireService.php

@@ -0,0 +1,81 @@
+<?php
+
+declare(strict_types=1);
+
+namespace app\common\service;
+
+use support\think\Db;
+
+/**
+ * 充值待支付订单超时处理：
+ * - 同用户最多允许 3 笔待支付订单
+ * - 待支付订单创建后 60 秒未支付，自动标记为失败并写失败原因
+ */
+final class DepositOrderExpireService
+{
+    public const MAX_PENDING_DEPOSIT = 3;
+    public const EXPIRE_SECONDS = 60;
+
+    /**
+     * 超时失效处理。
+     *
+     * @param int|null    $userId  仅处理某用户；null 表示不过滤用户
+     * @param string|null $orderNo 仅处理某订单；null 表示不过滤订单
+     *
+     * @return int 本次转失败的订单数
+     */
+    public static function expirePendingOrders(?int $userId = null, ?string $orderNo = null): int
+    {
+        $expireBefore = time() - self::EXPIRE_SECONDS;
+        $query = Db::name('deposit_order')
+            ->where('status', 0)
+            ->where('create_time', '<=', $expireBefore);
+        if ($userId !== null && $userId > 0) {
+            $query->where('user_id', $userId);
+        }
+        if ($orderNo !== null && $orderNo !== '') {
+            $query->where('order_no', $orderNo);
+        }
+        $rows = $query->field(['id', 'remark'])->select()->toArray();
+        if ($rows === []) {
+            return 0;
+        }
+        $now = time();
+        $affectedCount = 0;
+        foreach ($rows as $row) {
+            $id = isset($row['id']) && is_numeric($row['id']) ? intval($row['id']) : 0;
+            if ($id <= 0) {
+                continue;
+            }
+            $oldRemark = isset($row['remark']) && is_string($row['remark']) ? trim($row['remark']) : '';
+            $reason = '[timeout] unpaid over ' . self::EXPIRE_SECONDS . 's';
+            $remark = $oldRemark === '' ? $reason : mb_substr($oldRemark . ' | ' . $reason, 0, 255);
+            $affected = Db::name('deposit_order')
+                ->where('id', $id)
+                ->where('status', 0)
+                ->update([
+                    'status'      => 2,
+                    'remark'      => $remark,
+                    'update_time' => $now,
+                ]);
+            if (is_numeric($affected) && intval($affected) > 0) {
+                $affectedCount++;
+            }
+        }
+
+        return $affectedCount;
+    }
+
+    public static function pendingCountByUserId(int $userId): int
+    {
+        if ($userId <= 0) {
+            return 0;
+        }
+
+        return Db::name('deposit_order')
+            ->where('user_id', $userId)
+            ->where('status', 0)
+            ->count();
+    }
+}
+