重构初始化

app/model/merchant/Merchant.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户基础资料模型。
+ * 仅承载商户身份、联系信息、结算信息和启停状态，不承载资金余额。
+ */
+class Merchant extends BaseModel
+{
+    protected $table = 'ma_merchant';
+
+    protected $fillable = [
+        'merchant_no',
+        'password_hash',
+        'merchant_name',
+        'merchant_short_name',
+        'merchant_type',
+        'group_id',
+        'risk_level',
+        'contact_name',
+        'contact_phone',
+        'contact_email',
+        'settlement_account_name',
+        'settlement_account_no',
+        'settlement_bank_name',
+        'settlement_bank_branch',
+        'status',
+        'last_login_at',
+        'last_login_ip',
+        'password_updated_at',
+        'remark',
+    ];
+
+    protected $hidden = [
+        'password_hash',
+    ];
+
+    protected $casts = [
+        'merchant_type' => 'integer',
+        'group_id' => 'integer',
+        'risk_level' => 'integer',
+        'status' => 'integer',
+        'last_login_at' => 'datetime',
+        'password_updated_at' => 'datetime',
+        'created_at' => 'datetime',
+        'updated_at' => 'datetime',
+    ];
+}

app/model/merchant/MerchantAccount.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户余额账户模型。
+ * 仅保存可提现余额、冻结余额和时间戳。
+ */
+class MerchantAccount extends BaseModel
+{
+    protected $table = 'ma_merchant_account';
+
+    protected $fillable = [
+        'merchant_id',
+        'available_balance',
+        'frozen_balance',
+    ];
+
+    protected $casts = [
+        'merchant_id' => 'integer',
+        'available_balance' => 'integer',
+        'frozen_balance' => 'integer',
+        'created_at' => 'datetime',
+        'updated_at' => 'datetime',
+    ];
+}

app/model/merchant/MerchantAccountLedger.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户余额流水模型。
+ * 所有余额变动都必须落流水，便于审计、对账和幂等控制。
+ */
+class MerchantAccountLedger extends BaseModel
+{
+    protected $table = 'ma_merchant_account_ledger';
+
+    public $timestamps = false;
+
+    protected $fillable = [
+        'ledger_no',
+        'merchant_id',
+        'biz_type',
+        'biz_no',
+        'trace_no',
+        'event_type',
+        'direction',
+        'amount',
+        'available_before',
+        'available_after',
+        'frozen_before',
+        'frozen_after',
+        'idempotency_key',
+        'remark',
+        'ext_json',
+    ];
+
+    protected $casts = [
+        'merchant_id' => 'integer',
+        'biz_type' => 'integer',
+        'event_type' => 'integer',
+        'direction' => 'integer',
+        'amount' => 'integer',
+        'available_before' => 'integer',
+        'available_after' => 'integer',
+        'frozen_before' => 'integer',
+        'frozen_after' => 'integer',
+        'ext_json' => 'array',
+        'created_at' => 'datetime',
+    ];
+}
+
+

app/model/merchant/MerchantApiCredential.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户对外接口凭证模型。
+ * 保存商户接口凭证、签名类型、启用状态和最近使用时间。
+ */
+class MerchantApiCredential extends BaseModel
+{
+    protected $table = 'ma_merchant_api_credential';
+
+    protected $fillable = [
+        'merchant_id',
+        'sign_type',
+        'api_key',
+        'status',
+        'last_used_at',
+    ];
+
+    protected $hidden = [
+        'api_key',
+    ];
+
+    protected $casts = [
+        'merchant_id' => 'integer',
+        'sign_type' => 'integer',
+        'status' => 'integer',
+        'last_used_at' => 'datetime',
+        'created_at' => 'datetime',
+        'updated_at' => 'datetime',
+    ];
+}

app/model/merchant/MerchantGroup.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户分组模型。
+ * 用于路由编排、策略绑定和通道分配。
+ */
+class MerchantGroup extends BaseModel
+{
+    protected $table = 'ma_merchant_group';
+
+    protected $fillable = [
+        'group_name',
+        'status',
+        'remark',
+    ];
+
+    protected $casts = [
+        'status' => 'integer',
+        'created_at' => 'datetime',
+        'updated_at' => 'datetime',
+    ];
+}
+

app/model/merchant/MerchantPolicy.php

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+<?php
+
+namespace app\model\merchant;
+
+use app\common\base\BaseModel;
+
+/**
+ * 商户策略模型。
+ * 维护商户级覆盖策略，例如结算周期、自动处理和路由策略。
+ */
+class MerchantPolicy extends BaseModel
+{
+    protected $table = 'ma_merchant_policy';
+
+    protected $fillable = [
+        'merchant_id',
+        'settlement_cycle_override',
+        'auto_payout',
+        'min_settlement_amount',
+        'retry_policy_json',
+        'route_policy_json',
+        'fee_rule_override_json',
+        'risk_policy_json',
+        'remark',
+    ];
+
+    protected $casts = [
+        'merchant_id' => 'integer',
+        'settlement_cycle_override' => 'integer',
+        'auto_payout' => 'integer',
+        'min_settlement_amount' => 'integer',
+        'retry_policy_json' => 'array',
+        'route_policy_json' => 'array',
+        'fee_rule_override_json' => 'array',
+        'risk_policy_json' => 'array',
+        'created_at' => 'datetime',
+        'updated_at' => 'datetime',
+    ];
+}
+
+