转账 - 转账代码修改，新增转账示例

jason
1 parent 5f29399c
Showing 25 changed files with 260 additions and 317 deletions
sql/mysql/pay_wallet.sql
yudao-framework/yudao-common/src/main/java/cn/iocoder/yudao/framework/common/exception/enums/GlobalErrorCodeConstants.java
yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/dto/transfer/PayTransferUnifiedReqDTO.java
yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/AbstractPayClient.java
yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/client/impl/alipay/AbstractAlipayPayClient.java
yudao-framework/yudao-spring-boot-starter-biz-pay/src/main/java/cn/iocoder/yudao/framework/pay/core/enums/transfer/PayTransferStatusRespEnum.java
yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/api/transfer/dto/PayTransferCreateReqDTO.java
yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/ErrorCodeConstants.java
yudao-module-pay/yudao-module-pay-api/src/main/java/cn/iocoder/yudao/module/pay/enums/transfer/PayTransferStatusEnum.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/PayDemoTransferController.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferCreateReqVO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/demo/vo/transfer/PayDemoTransferRespVO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/transfer/PayTransferController.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/controller/admin/transfer/vo/PayTransferCreateReqVO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/demo/PayDemoTransferConvert.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/convert/transfer/PayTransferConvert.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/dataobject/demo/PayDemoTransferDO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/dataobject/transfer/PayTransferDO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/dataobject/transfer/PayTransferExtensionDO.java
yudao-module-pay/yudao-module-pay-biz/src/main/java/cn/iocoder/yudao/module/pay/dal/mysql/demo/PayDemoTransferMapper.java
@@ -15,10 +15,9 @@ CREATE TABLE `pay_transfer`
     `success_time`         datetime     NULL COMMENT '转账成功时间',
     `price`                int          NOT NULL COMMENT '转账金额，单位：分',
     `subject`              varchar(512) NOT NULL COMMENT '转账标题',
+    `user_name`            varchar(64)  NULL COMMENT '收款人姓名',
     `alipay_logon_id`      varchar(64)  NULL COMMENT '支付宝登录号',
-    `alipay_account_name`  varchar(64)   NULL COMMENT '支付宝账号名称',
     `openid`               varchar(64)   NULL COMMENT '微信 openId',
-    `wx_account_name`      varchar(64)   NULL COMMENT '微信账号名称',
     `notify_url`           varchar(1024) NOT NULL COMMENT '异步通知商户地址',
     `user_ip`              varchar(50)   NOT NULL COMMENT '用户 IP',
     `channel_extras`       varchar(512) NULL DEFAULT NULL COMMENT '渠道的额外参数',
@@ -36,42 +35,17 @@ CREATE TABLE `pay_transfer`
 ) ENGINE=InnoDB COMMENT='转账单表';
 -- ----------------------------
--- 转账扩展单
--- ----------------------------
-DROP TABLE IF EXISTS `pay_transfer_extension`;
-CREATE TABLE `pay_transfer_extension`
-(
-    `id`                   bigint        NOT NULL AUTO_INCREMENT COMMENT '编号',
-    `no`                   varchar(64)   NOT NULL COMMENT '转账单号',
-    `transfer_id`          bigint        NOT NULL COMMENT '转账单编号',
-    `channel_id`           bigint        NOT NULL COMMENT '转账渠道编号',
-    `channel_code`         varchar(32)   NOT NULL COMMENT '转账渠道编码',
-    `channel_extras`       varchar(512)  NULL DEFAULT NULL COMMENT '支付渠道的额外参数',
-    `status`               tinyint       NOT NULL COMMENT '转账状态',
-    `channel_notify_data`  varchar(4096) NULL DEFAULT NULL COMMENT '支付渠道异步通知的内容',
-    `creator`              varchar(64)   NULL DEFAULT '' COMMENT '创建者',
-    `create_time`          datetime      NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    `updater`              varchar(64)   NULL DEFAULT '' COMMENT '更新者',
-    `update_time`          datetime      NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
-    `deleted`              bit(1)        NOT NULL DEFAULT b'0' COMMENT '是否删除',
-    `tenant_id`            bigint        NOT NULL DEFAULT 0 COMMENT '租户编号',
-    PRIMARY KEY (`id`) USING BTREE
-) ENGINE=InnoDB COMMENT='转账拓展单表';
-
--- ----------------------------
 -- Table structure for pay_demo_transfer
 -- ----------------------------
 DROP TABLE IF EXISTS `pay_demo_transfer`;
 CREATE TABLE `pay_demo_transfer`  (
   `id` bigint NOT NULL AUTO_INCREMENT COMMENT '订单编号',
-  `user_id` bigint UNSIGNED NOT NULL COMMENT '用户编号',
   `app_id`  bigint NOT NULL COMMENT '应用编号',
-  `price` int NOT NULL COMMENT '转账金额，单位：分',
   `type`  int NOT NULL COMMENT '转账类型',
+  `price` int NOT NULL COMMENT '转账金额，单位：分',
+  `user_name`            varchar(64)  NULL COMMENT '收款人姓名',
   `alipay_logon_id`      varchar(64)  NULL COMMENT '支付宝登录号',
-  `alipay_account_name`  varchar(64)  NULL COMMENT '支付宝账号名称',
   `openid`               varchar(64)  NULL COMMENT '微信 openId',
-  `wx_account_name`      varchar(64)  NULL COMMENT '微信账号名称',
   `transfer_status` tinyint      NOT NULL DEFAULT 0 COMMENT '转账状态',
   `pay_transfer_id` bigint NULL DEFAULT NULL COMMENT '转账订单编号',
   `pay_channel_code` varchar(16)  NULL DEFAULT NULL COMMENT '转账支付成功渠道',
@@ -216,3 +190,48 @@ VALUES (
            '', '', '', 0
        );
+-- 支付实战和转账实战数据库脚本
+
+update  system_menu set deleted = 1  where id = 2161;
+
+INSERT INTO system_menu(
+    name, permission, type, sort, parent_id,
+    path, icon, component, status, component_name
+)
+VALUES (
+           '接入示例', '', 1, 99, 1117,
+           'demo', 'ep:caret-right', '', 0, ''
+       );
+
+SELECT @parentId1 := LAST_INSERT_ID();
+
+INSERT INTO system_menu(
+    name, permission, type, sort, parent_id,
+    path, icon, component, status, component_name
+)
+VALUES (
+           '支付实战', '', 2, 1, @parentId1,
+           'demo-order', 'fa:leaf', 'pay/demo/order/index', 0, NULL
+       );
+
+INSERT INTO system_menu(
+    name, permission, type, sort, parent_id,
+    path, icon, component, status, component_name
+)
+VALUES (
+           '转账实战', '', 2, 1, @parentId1,
+           'demo-transfer', 'fa:leaf', 'pay/demo/transfer/index', 0, NULL
+       );
+
+-- 转账状态和转账类型数据字典
+INSERT INTO `system_dict_type`(`id`, `name`, `type`, `status`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`, `deleted_time`) VALUES (171, '支付转账类型', 'pay_transfer_type', 0, '', '1', '2023-10-28 16:27:18', '1', '2023-10-28 16:27:18', b'0', '1970-01-01 00:00:00');
+INSERT INTO `system_dict_type`(`id`, `name`, `type`, `status`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`, `deleted_time`) VALUES (170, '转账订单状态', 'pay_transfer_status', 0, '', '1', '2023-10-28 16:18:32', '1', '2023-10-28 16:18:32', b'0', '1970-01-01 00:00:00');
+
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1245, 4, '钱包余额', '4', 'pay_transfer_type', 0, 'info', '', '', '1', '2023-10-28 16:28:37', '1', '2023-10-28 16:28:37', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1244, 3, '银行卡', '3', 'pay_transfer_type', 0, 'default', '', '', '1', '2023-10-28 16:28:21', '1', '2023-10-28 16:28:21', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1243, 2, '微信余额', '2', 'pay_transfer_type', 0, 'info', '', '', '1', '2023-10-28 16:28:07', '1', '2023-10-28 16:28:07', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1242, 1, '支付宝余额', '1', 'pay_transfer_type', 0, 'default', '', '', '1', '2023-10-28 16:27:44', '1', '2023-10-28 16:27:44', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1241, 4, '转账失败', '30', 'pay_transfer_status', 0, 'warning', '', '', '1', '2023-10-28 16:24:16', '1', '2023-10-28 16:24:16', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1240, 3, '转账成功', '20', 'pay_transfer_status', 0, 'success', '', '', '1', '2023-10-28 16:23:50', '1', '2023-10-28 16:23:50', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1239, 2, '转账进行中', '10', 'pay_transfer_status', 0, 'info', '', '', '1', '2023-10-28 16:23:12', '1', '2023-10-28 16:23:12', b'0');
+INSERT INTO `system_dict_data`(`id`, `sort`, `label`, `value`, `dict_type`, `status`, `color_type`, `css_class`, `remark`, `creator`, `create_time`, `updater`, `update_time`, `deleted`) VALUES (1238, 1, '等待转账', '0', 'pay_transfer_status', 0, 'default', '', '', '1', '2023-10-28 16:21:43', '1', '2023-10-28 16:23:22', b'0');
@@ -30,6 +30,7 @@ public interface GlobalErrorCodeConstants {
     ErrorCode INTERNAL_SERVER_ERROR = new ErrorCode(500, "系统异常");
     ErrorCode NOT_IMPLEMENTED = new ErrorCode(501, "功能未实现/未开启");
+    ErrorCode ERROR_CONFIGURATION = new ErrorCode(502, "错误的配置项");
     // ========== 自定义错误段 ==========
     ErrorCode REPEATED_REQUESTS = new ErrorCode(900, "重复请求，请稍后重试"); // 重复请求
@@ -11,6 +11,8 @@ import javax.validation.constraints.NotEmpty;
 import javax.validation.constraints.NotNull;
 import java.util.Map;
+import static cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum.*;
+
 /**
  * 统一转账 Request DTO
  *
@@ -49,33 +51,27 @@ public class PayTransferUnifiedReqDTO {
      */
     @NotEmpty(message = "转账标题不能为空")
     @Length(max = 128, message = "转账标题不能超过 128")
-    private String title;
-
+    private String subject;
     /**
-     * 支付宝登录号
+     * 收款人姓名
      */
-    @NotBlank(message = "支付宝登录号不能为空", groups = {PayTransferTypeEnum.Alipay.class})
-    private String alipayLogonId;
+    @NotBlank(message = "收款人姓名不能为空", groups = {Alipay.class})
+    private String userName;
     /**
-     * 支付宝账号名称
+     * 支付宝登录号
      */
-    @NotBlank(message = "支付宝账号名称不能为空", groups = {PayTransferTypeEnum.Alipay.class})
-    private String alipayAccountName;
+    @NotBlank(message = "支付宝登录号不能为空", groups = {Alipay.class})
+    private String alipayLogonId;
     /**
      * 微信 openId
      */
-    @NotBlank(message = "微信 openId 不能为空", groups = {PayTransferTypeEnum.WxPay.class})
+    @NotBlank(message = "微信 openId 不能为空", groups = {WxPay.class})
     private String openid;
     /**
-     * 微信账号名称
-     */
-    private String wxAccountName;
-
-    /**
      * 支付渠道的额外参数
      */
     private Map<String, String> channelExtras;
@@ -16,6 +16,8 @@ import lombok.extern.slf4j.Slf4j;
 import java.util.Map;
+import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.NOT_IMPLEMENTED;
+import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
 import static cn.iocoder.yudao.framework.common.util.json.JsonUtils.toJsonString;
 /**
@@ -186,9 +188,9 @@ public abstract class AbstractPayClient&lt;Config extends PayClientConfig&gt; implemen
     @Override
     public final PayTransferRespDTO unifiedTransfer(PayTransferUnifiedReqDTO reqDTO) {
-        validatePayTransferReqDTO(reqDTO);
         PayTransferRespDTO resp;
         try{
+            validatePayTransferReqDTO(reqDTO);
             resp = doUnifiedTransfer(reqDTO);
         }catch (ServiceException ex) { // 业务异常，都是实现类已经翻译，所以直接抛出即可
             throw ex;
@@ -212,7 +214,7 @@ public abstract class AbstractPayClient&lt;Config extends PayClientConfig&gt; implemen
                 break;
             }
             default: {
-                throw new UnsupportedOperationException("待实现");
+                throw exception(NOT_IMPLEMENTED);
             }
         }
     }
@@ -43,8 +43,7 @@ import java.util.Objects;
 import java.util.function.Supplier;
 import static cn.hutool.core.date.DatePattern.NORM_DATETIME_FORMATTER;
-import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.BAD_REQUEST;
-import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.NOT_IMPLEMENTED;
+import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.*;
 import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
 import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception0;
 import static cn.iocoder.yudao.framework.pay.core.client.impl.alipay.AlipayPayClientConfig.MODE_CERTIFICATE;
@@ -229,13 +228,13 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient&lt;AlipayPa
     protected PayTransferRespDTO doUnifiedTransfer(PayTransferUnifiedReqDTO reqDTO) throws AlipayApiException {
         // 1.1 校验公钥类型 必须使用公钥证书模式
         if (!Objects.equals(config.getMode(), MODE_CERTIFICATE)) {
-            throw exception0(BAD_REQUEST.getCode(),"支付宝单笔转账必须使用公钥证书模式");
+            throw exception0(ERROR_CONFIGURATION.getCode(),"支付宝单笔转账必须使用公钥证书模式");
         }
         // 1.2 构建 AlipayFundTransUniTransferModel
         AlipayFundTransUniTransferModel model = new AlipayFundTransUniTransferModel();
         // ① 通用的参数
         model.setTransAmount(formatAmount(reqDTO.getPrice())); // 转账金额
-        model.setOrderTitle(reqDTO.getTitle());               // 转账业务的标题，用于在支付宝用户的账单里显示。
+        model.setOrderTitle(reqDTO.getSubject());               // 转账业务的标题，用于在支付宝用户的账单里显示。
         model.setOutBizNo(reqDTO.getOutTransferNo());
         model.setProductCode("TRANS_ACCOUNT_NO_PWD");    // 销售产品码。单笔无密转账固定为 TRANS_ACCOUNT_NO_PWD
         model.setBizScene("DIRECT_TRANSFER");           // 业务场景 单笔无密转账固定为 DIRECT_TRANSFER
@@ -249,7 +248,7 @@ public abstract class AbstractAlipayPayClient extends AbstractPayClient&lt;AlipayPa
                 Participant payeeInfo = new Participant();
                 payeeInfo.setIdentityType("ALIPAY_LOGON_ID");
                 payeeInfo.setIdentity(reqDTO.getAlipayLogonId()); // 支付宝登录号
-                payeeInfo.setName(reqDTO.getAlipayAccountName()); // 支付宝账号姓名
+                payeeInfo.setName(reqDTO.getUserName()); // 支付宝账号姓名
                 model.setPayeeInfo(payeeInfo);
                 // 1.3 构建 AlipayFundTransUniTransferRequest
                 AlipayFundTransUniTransferRequest request = new AlipayFundTransUniTransferRequest();
@@ -14,7 +14,7 @@ import java.util.Objects;
 @AllArgsConstructor
 public enum PayTransferStatusRespEnum {
-    WAITING(0, "转账中"),
+    WAITING(0, "等待转账"),
     /**
      * TODO 转账到银行卡. 会有T+0 T+1 到账的请情况。 还未实现
@@ -60,19 +60,16 @@ public class PayTransferCreateReqDTO {
     @NotEmpty(message = "转账标题不能为空")
     private String subject;
-    @NotEmpty(message = "收款方信息不能为空")
-    private Map<String, String> payeeInfo;
+    /**
+     * 收款人姓名
+     */
+    @NotBlank(message = "收款人姓名不能为空", groups = {PayTransferTypeEnum.Alipay.class})
+    private String userName;
     @NotBlank(message = "支付宝登录号不能为空", groups = {PayTransferTypeEnum.Alipay.class})
     private String alipayLogonId;
-    @NotBlank(message = "支付宝登录号不能为空", groups = {PayTransferTypeEnum.Alipay.class})
-    private String alipayAccountName;
-
     // ========== 微信转账相关字段 ==========
     @NotBlank(message = "微信 openId 不能为空", groups = {PayTransferTypeEnum.WxPay.class})
     private String openid;
-
-    private String wxAccountName;
-
 }
@@ -68,11 +68,9 @@ public interface ErrorCodeConstants {
     ErrorCode PAY_TRANSFER_NOT_FOUND = new ErrorCode(1_007_009_001, "转账交易单不存在");
     ErrorCode PAY_TRANSFER_STATUS_IS_SUCCESS = new ErrorCode(1_007_009_002, "转账单已成功转账");
     ErrorCode PAY_TRANSFER_EXISTS = new ErrorCode(1_007_009_003, "已经存在转账单");
-    ErrorCode PAY_MERCHANT_TRANSFER_EXISTS = new ErrorCode(1_007_009_004, "该笔业务的转账已经存在,请查询相关状态");
+    ErrorCode PAY_MERCHANT_TRANSFER_EXISTS = new ErrorCode(1_007_009_004, "该笔业务的转账已经存在,请查询转账订单相关状态");
     ErrorCode PAY_TRANSFER_STATUS_IS_NOT_WAITING = new ErrorCode(1_007_009_005, "转账单不处于待转账");
     ErrorCode PAY_TRANSFER_STATUS_IS_NOT_PENDING = new ErrorCode(1_007_009_006, "转账单不处于待转账或转账中");
-    ErrorCode PAY_TRANSFER_TYPE_AND_CHANNEL_NOT_MATCH = new ErrorCode(1_007_009_008, "转账类型和转账渠道不匹配");
-
     // ========== 示例订单 1-007-900-000 ==========
     ErrorCode DEMO_ORDER_NOT_FOUND = new ErrorCode(1_007_900_000, "示例订单不存在");
     ErrorCode DEMO_ORDER_UPDATE_PAID_STATUS_NOT_UNPAID = new ErrorCode(1_007_900_001, "示例订单更新支付状态失败，订单不是【未支付】状态");
@@ -12,7 +12,7 @@ import java.util.Objects;
 @AllArgsConstructor
 public enum PayTransferStatusEnum {
-    WAITING(0, "待转账"),
+    WAITING(0, "等待转账"),
     /**
      * TODO 转账到银行卡. 会有T+0 T+1 到账的请情况。 还未实现
      */
@@ -20,7 +20,7 @@ public enum PayTransferStatusEnum {
     SUCCESS(20, "转账成功"),
     /**
-     * 转账关闭 (失败，或者其它情况)
+     * 转账关闭 (失败，或者其它情况) // TODO 改成 转账失败状态
      */
     CLOSED(30, "转账关闭");
 package cn.iocoder.yudao.module.pay.controller.admin.demo;
 import cn.iocoder.yudao.framework.common.pojo.CommonResult;
+import cn.iocoder.yudao.framework.common.pojo.PageParam;
+import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferCreateReqVO;
+import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferRespVO;
+import cn.iocoder.yudao.module.pay.convert.demo.PayDemoTransferConvert;
+import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
 import cn.iocoder.yudao.module.pay.service.demo.PayDemoTransferService;
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import org.springframework.validation.annotation.Validated;
-import org.springframework.web.bind.annotation.PostMapping;
-import org.springframework.web.bind.annotation.RequestBody;
-import org.springframework.web.bind.annotation.RequestMapping;
-import org.springframework.web.bind.annotation.RestController;
+import org.springframework.web.bind.annotation.*;
 import javax.annotation.Resource;
 import javax.validation.Valid;
 import static cn.iocoder.yudao.framework.common.pojo.CommonResult.success;
-import static cn.iocoder.yudao.framework.security.core.util.SecurityFrameworkUtils.getLoginUserId;
 @Tag(name = "管理后台 - 示例转账单")
 @RestController
@@ -27,7 +28,14 @@ public class PayDemoTransferController {
     @PostMapping("/create")
     @Operation(summary = "创建示例转账订单")
-    public CommonResult<Long> createDemoOrder(@Valid @RequestBody PayDemoTransferCreateReqVO createReqVO) {
-        return success(demoTransferService.createDemoTransfer(getLoginUserId(), createReqVO));
+    public CommonResult<Long> createDemoTransfer(@Valid @RequestBody PayDemoTransferCreateReqVO createReqVO) {
+        return success(demoTransferService.createDemoTransfer(createReqVO));
+    }
+
+    @GetMapping("/page")
+    @Operation(summary = "获得示例订单分页")
+    public CommonResult<PageResult<PayDemoTransferRespVO>> getDemoTransferPage(@Valid PageParam pageVO) {
+        PageResult<PayDemoTransferDO> pageResult = demoTransferService.getDemoTransferPage(pageVO);
+        return success(PayDemoTransferConvert.INSTANCE.convertPage(pageResult));
     }
 }
@@ -11,6 +11,8 @@ import javax.validation.constraints.Min;
 import javax.validation.constraints.NotBlank;
 import javax.validation.constraints.NotNull;
+import static cn.iocoder.yudao.module.pay.enums.transfer.PayTransferTypeEnum.*;
+
 /**
  * @author jason
  */
@@ -28,29 +30,22 @@ public class PayDemoTransferCreateReqVO {
     @Min(value = 1, message = "转账金额必须大于零")
     private Integer price;
+    @Schema(description = "收款人姓名", example = "test1")
+    @NotBlank(message = "收款人姓名不能为空", groups = {Alipay.class})
+    private String userName;
+
     // ========== 支付宝转账相关字段 ==========
     @Schema(description = "支付宝登录号,支持邮箱和手机号格式", example = "test1@@sandbox.com")
     @NotBlank(message = "支付宝登录号不能为空", groups = {Alipay.class})
     private String alipayLogonId;
-    @Schema(description = "支付宝账号名称", example = "test1")
-    @NotBlank(message = "支付宝账号名称不能为空", groups = {Alipay.class})
-    private String alipayAccountName;
-
     // ========== 微信转账相关字段 ==========
     @Schema(description = "微信 openId", example = "oLefc4g5Gxx")
     @NotBlank(message = "微信 openId 不能为空", groups = {WxPay.class})
     private String openid;
-    @Schema(description = "微信账号名称", example = "test2")
-    private String wxAccountName;
     // ========== 转账到银行卡和钱包相关字段 待补充 ==========
-    public interface WxPay {
-    }
-
-    public interface Alipay {
-    }
     public void validate(Validator validator) {
         PayTransferTypeEnum transferType = PayTransferTypeEnum.typeOf(type);
+package cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 示例业务转账订单 Base VO，提供给添加、修改、详细的子 VO 使用
+ * 如果子 VO 存在差异的字段，请不要添加到这里，影响 Swagger 文档生成
+ */
+@Data
+public class PayDemoTransferRespVO {
+
+    @Schema(description = "订单编号", requiredMode = Schema.RequiredMode.REQUIRED, example = "1024")
+    private Long id;
+
+    @Schema(description = "应用编号", requiredMode = Schema.RequiredMode.REQUIRED, example = "1")
+    private Long appId;
+
+    @Schema(description = "转账金额，单位：分", requiredMode = Schema.RequiredMode.REQUIRED, example = "22338")
+    private Integer price;
+
+    @Schema(description = "转账类型", requiredMode = Schema.RequiredMode.REQUIRED, example = "1")
+    private Integer type;
+
+    @Schema(description = "收款人姓名",  example = "test")
+    private String userName;
+
+    @Schema(description = "支付宝登录号", example = "32167")
+    private String alipayLogonId;
+
+    @Schema(description = "微信 openId", example = "31139")
+    private String openid;
+
+    @Schema(description = "转账状态", requiredMode = Schema.RequiredMode.REQUIRED, example = "2")
+    private Integer transferStatus;
+
+    @Schema(description = "转账订单编号", example = "23695")
+    private Long payTransferId;
+
+    @Schema(description = "转账支付成功渠道")
+    private String payChannelCode;
+
+    @Schema(description = "转账支付时间")
+    private LocalDateTime transferTime;
+}
@@ -28,11 +28,11 @@ public class PayTransferController {
     @Resource
     private PayTransferService payTransferService;
-    @PostMapping("/initiate")
-    @Operation(summary = "发起转账")
+    @PostMapping("/create")
+    @Operation(summary = "创建转账单，发起转账")
     // TODO @jason：权限的设置， 管理后台页面加的时候加一下
-    public CommonResult<PayTransferCreateRespVO> initiatePayTransfer(@Valid @RequestBody PayTransferCreateReqVO reqVO) {
-        PayTransferDO payTransfer = payTransferService.initiateTransfer(reqVO, getClientIP());
+    public CommonResult<PayTransferCreateRespVO> createPayTransfer(@Valid @RequestBody PayTransferCreateReqVO reqVO) {
+        PayTransferDO payTransfer = payTransferService.createTransfer(reqVO, getClientIP());
         return success(new PayTransferCreateRespVO().setId(payTransfer.getId()).setStatus(payTransfer.getStatus()));
     }
@@ -2,23 +2,24 @@ package cn.iocoder.yudao.module.pay.controller.admin.transfer.vo;
 import cn.iocoder.yudao.framework.common.util.validation.ValidationUtils;
 import cn.iocoder.yudao.framework.common.validation.InEnum;
-import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferCreateReqVO;
+import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import cn.iocoder.yudao.module.pay.enums.transfer.PayTransferTypeEnum;
 import io.swagger.v3.oas.annotations.media.Schema;
 import lombok.Data;
 import javax.validation.Validator;
-import javax.validation.constraints.Min;
-import javax.validation.constraints.NotBlank;
-import javax.validation.constraints.NotEmpty;
-import javax.validation.constraints.NotNull;
+import javax.validation.constraints.*;
 import java.util.Map;
+import static cn.iocoder.yudao.framework.common.exception.enums.GlobalErrorCodeConstants.NOT_IMPLEMENTED;
+import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
+import static cn.iocoder.yudao.module.pay.enums.transfer.PayTransferTypeEnum.*;
+
 @Schema(description = "管理后台 - 发起转账 Request VO")
 @Data
 public class PayTransferCreateReqVO {
-    @Schema(description = "应用编号不能为空", requiredMode = Schema.RequiredMode.REQUIRED, example = "1")
+    @Schema(description = "应用编号", requiredMode = Schema.RequiredMode.REQUIRED, example = "1")
     @NotNull(message = "应用编号不能为空")
     private Long appId;
@@ -43,33 +44,30 @@ public class PayTransferCreateReqVO {
     @NotEmpty(message = "转账标题不能为空")
     private String subject;
+    @Schema(description = "收款人姓名", example = "test1")
+    @NotBlank(message = "收款人姓名不能为空", groups = {Alipay.class})
+    private String userName;
+
     @Schema(description = "支付宝登录号",  example = "test1@sandbox.com")
-    @NotBlank(message = "支付宝登录号不能为空", groups = {PayTransferTypeEnum.Alipay.class})
+    @NotBlank(message = "支付宝登录号不能为空", groups = {Alipay.class})
     private String alipayLogonId;
-    @Schema(description = "支付宝账号名称",  example = "test1")
-    @NotBlank(message = "支付宝账号名称不能为空", groups = {PayTransferTypeEnum.Alipay.class})
-    private String alipayAccountName;
-
     @Schema(description = "微信 openId",  example = "oLefc4g5Gxx")
-    @NotBlank(message = "微信 openId 不能为空", groups = {PayTransferTypeEnum.WxPay.class})
+    @NotBlank(message = "微信 openId 不能为空", groups = {WxPay.class})
     private String openid;
-    @Schema(description = "微信账号名称", example = "test2")
-    private String wxAccountName;
-
     @Schema(description = "转账渠道的额外参数")
     private Map<String, String> channelExtras;
     public void validate(Validator validator) {
-       PayTransferTypeEnum transferType = PayTransferTypeEnum.typeOf(type);
+       PayTransferTypeEnum transferType = typeOf(type);
         switch (transferType) {
             case ALIPAY_BALANCE: {
-                ValidationUtils.validate(validator, this, PayDemoTransferCreateReqVO.Alipay.class);
+                ValidationUtils.validate(validator, this, Alipay.class);
                 break;
             }
             case WX_BALANCE: {
-                ValidationUtils.validate(validator, this, PayDemoTransferCreateReqVO.WxPay.class);
+                ValidationUtils.validate(validator, this, WxPay.class);
                 break;
             }
             default: {
@@ -78,4 +76,20 @@ public class PayTransferCreateReqVO {
         }
     }
+    @AssertTrue(message = "转账类型和转账渠道不匹配")
+    public boolean isValidChannelCode() {
+        PayTransferTypeEnum transferType = typeOf(type);
+        switch (transferType) {
+            case ALIPAY_BALANCE: {
+                return PayChannelEnum.isAlipay(channelCode);
+            }
+            case WX_BALANCE:
+            case BANK_CARD:
+            case WALLET_BALANCE: {
+                throw exception(NOT_IMPLEMENTED);
+            }
+        }
+        return Boolean.FALSE;
+    }
+
 }
 package cn.iocoder.yudao.module.pay.convert.demo;
+import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferCreateReqVO;
+import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferRespVO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
 import org.mapstruct.Mapper;
 import org.mapstruct.factory.Mappers;
@@ -14,4 +16,6 @@ public interface PayDemoTransferConvert {
     PayDemoTransferConvert INSTANCE = Mappers.getMapper(PayDemoTransferConvert.class);
     PayDemoTransferDO convert(PayDemoTransferCreateReqVO bean);
+
+    PageResult<PayDemoTransferRespVO> convertPage(PageResult<PayDemoTransferDO> pageResult);
 }
@@ -6,7 +6,6 @@ import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTran
 import cn.iocoder.yudao.module.pay.controller.admin.transfer.vo.PayTransferCreateReqVO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.transfer.PayTransferDO;
 import org.mapstruct.Mapper;
-import org.mapstruct.Mapping;
 import org.mapstruct.factory.Mappers;
 @Mapper
@@ -16,7 +15,6 @@ public interface PayTransferConvert {
     PayTransferDO convert(PayTransferCreateReqDTO dto);
-    @Mapping(source = "subject", target = "title")
     PayTransferUnifiedReqDTO convert2(PayTransferCreateReqDTO dto);
     PayTransferCreateReqDTO convert(PayTransferCreateReqVO vo);
@@ -27,11 +27,6 @@ public class PayDemoTransferDO extends BaseDO {
     private Long id;
     /**
-     * 用户编号
-     */
-    private Long userId;
-
-    /**
      * 应用编号
      *
      * 关联 {@link PayAppDO#getId()}
@@ -39,11 +34,6 @@ public class PayDemoTransferDO extends BaseDO {
     private Long appId;
     /**
-     * 转账金额，单位：分
-     */
-    private Integer price;
-
-    /**
      * 转账类型
      * <p>
      * 枚举 {@link PayTransferTypeEnum}
@@ -51,24 +41,24 @@ public class PayDemoTransferDO extends BaseDO {
     private Integer type;
     /**
-     * 支付宝登录号
+     * 转账金额，单位：分
      */
-    private String alipayLogonId;
+    private Integer price;
     /**
-     * 支付宝账号名称
+     * 收款人姓名
      */
-    private String alipayAccountName;
+    private String userName;
     /**
-     * 微信 openId
+     * 支付宝登录号
      */
-    private String openid;
+    private String alipayLogonId;
     /**
-     * 微信账号名称
+     * 微信 openId
      */
-    private String wxAccountName;
+    private String openid;
     /**
      * 转账状态
@@ -76,7 +66,7 @@ public class PayDemoTransferDO extends BaseDO {
     private Integer transferStatus;
     /**
-     * 转账订单编号
+     * 转账单编号
      */
     private Long payTransferId;
@@ -85,6 +85,12 @@ public class PayTransferDO extends BaseDO {
      * 转账金额，单位：分
      */
     private Integer price;
+
+    /**
+     * 收款人姓名
+     */
+    private String userName;
+
     /**
      * 转账状态
      *
@@ -103,10 +109,6 @@ public class PayTransferDO extends BaseDO {
      */
     private String alipayLogonId;
-    /**
-     * 支付宝账号名称
-     */
-    private String alipayAccountName;
     // ========== 微信转账相关字段 ==========
     /**
@@ -114,11 +116,6 @@ public class PayTransferDO extends BaseDO {
      */
     private String openid;
-    /**
-     * 微信账号名称
-     */
-    private String wxAccountName;
-
     // ========== 其它字段 ==========
     /**
-package cn.iocoder.yudao.module.pay.dal.dataobject.transfer;
-
-import cn.iocoder.yudao.framework.mybatis.core.dataobject.BaseDO;
-import com.baomidou.mybatisplus.annotation.KeySequence;
-import com.baomidou.mybatisplus.annotation.TableField;
-import com.baomidou.mybatisplus.annotation.TableId;
-import com.baomidou.mybatisplus.annotation.TableName;
-import com.baomidou.mybatisplus.extension.handlers.JacksonTypeHandler;
-import lombok.Data;
-
-import java.util.Map;
-
-// TODO @jason：转账是不是类似 refund，不用拓展单呀？支付做拓展单的原因，是因为它存在不确定性，可以切换多种；转账和退款，都是明确方式的；
-// @芋艿 转账是不是也存在多种方式。 例如转账到银行卡。 可以使用微信，也可以使用支付宝。 支付宝账号余额不够，可以切换到微信；
-// TODO @jason：发起了，就不允许调整了，类似退款哈；
-/**
- * 转账拓展单 DO
- *
- * @author jason
- */
-@TableName(value ="pay_transfer_extension",autoResultMap = true)
-@KeySequence("pay_transfer_extension_seq") // 用于 Oracle、PostgreSQL、Kingbase、DB2、H2 数据库的主键自增。如果是 MySQL 等数据库，可不写。
-@Data
-public class PayTransferExtensionDO extends BaseDO {
-
-    /**
-     * 编号
-     */
-    @TableId
-    private Long id;
-
-    /**
-     * 转账单号
-     */
-    private String no;
-
-    /**
-     * 转账单编号
-     */
-    private Long transferId;
-
-    /**
-     * 转账渠道编号
-     */
-    private Long channelId;
-
-    /**
-     * 转账渠道编码
-     */
-    private String channelCode;
-
-    /**
-     * 支付渠道的额外参数
-     */
-    @TableField(typeHandler = JacksonTypeHandler.class)
-    private Map<String, String> channelExtras;
-
-    /**
-     * 转账状态
-     */
-    private Integer status;
-
-    /**
-     * 支付渠道异步通知的内容
-     */
-    private String channelNotifyData;
-
-}
 package cn.iocoder.yudao.module.pay.dal.mysql.demo;
-import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
+import cn.iocoder.yudao.framework.common.pojo.PageParam;
+import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.framework.mybatis.core.mapper.BaseMapperX;
+import cn.iocoder.yudao.framework.mybatis.core.query.LambdaQueryWrapperX;
+import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
 import org.apache.ibatis.annotations.Mapper;
 @Mapper
 public interface PayDemoTransferMapper extends BaseMapperX<PayDemoTransferDO> {
+    default  PageResult<PayDemoTransferDO> selectPage(PageParam pageParam){
+        return selectPage(pageParam, new LambdaQueryWrapperX<PayDemoTransferDO>()
+                .orderByDesc(PayDemoTransferDO::getId));
+    }
 }
 \ No newline at end of file
-package cn.iocoder.yudao.module.pay.dal.mysql.transfer;
-
-import cn.iocoder.yudao.module.pay.dal.dataobject.transfer.PayTransferExtensionDO;
-import cn.iocoder.yudao.framework.mybatis.core.mapper.BaseMapperX;
-import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
-import org.apache.ibatis.annotations.Mapper;
-
-import java.util.List;
-
-@Mapper
-public interface PayTransferExtensionMapper extends BaseMapperX<PayTransferExtensionDO> {
-
-    default PayTransferExtensionDO selectByNo(String no){
-       return  selectOne(PayTransferExtensionDO::getNo, no);
-    }
-
-    default int updateByIdAndStatus(Long id, List<Integer> whereStatuses, PayTransferExtensionDO updateObj) {
-        return update(updateObj, new LambdaQueryWrapper<PayTransferExtensionDO>()
-                .eq(PayTransferExtensionDO::getId, id).in(PayTransferExtensionDO::getStatus, whereStatuses));
-    }
-
-}
-
-
-
-
 package cn.iocoder.yudao.module.pay.service.demo;
+import cn.iocoder.yudao.framework.common.pojo.PageParam;
+import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferCreateReqVO;
+import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
 import javax.validation.Valid;
@@ -12,11 +15,17 @@ import javax.validation.Valid;
 public interface PayDemoTransferService {
     /**
-     * 创建转账单
+     * 创建转账业务示例订单
      *
-     * @param userId      用户编号
      * @param createReqVO 创建信息
      * @return 编号
      */
-    Long createDemoTransfer(Long userId, @Valid PayDemoTransferCreateReqVO createReqVO);
+    Long createDemoTransfer(@Valid PayDemoTransferCreateReqVO createReqVO);
+
+    /**
+     * 获得转账业务示例订单分页
+     *
+     * @param pageVO 分页查询参数
+     */
+    PageResult<PayDemoTransferDO> getDemoTransferPage(PageParam pageVO);
 }
 package cn.iocoder.yudao.module.pay.service.demo;
+import cn.iocoder.yudao.framework.common.pojo.PageParam;
+import cn.iocoder.yudao.framework.common.pojo.PageResult;
 import cn.iocoder.yudao.module.pay.controller.admin.demo.vo.transfer.PayDemoTransferCreateReqVO;
 import cn.iocoder.yudao.module.pay.convert.demo.PayDemoTransferConvert;
 import cn.iocoder.yudao.module.pay.dal.dataobject.demo.PayDemoTransferDO;
 import cn.iocoder.yudao.module.pay.dal.mysql.demo.PayDemoTransferMapper;
 import org.springframework.stereotype.Service;
-import org.springframework.transaction.annotation.Transactional;
 import org.springframework.validation.annotation.Validated;
 import javax.annotation.Resource;
@@ -35,14 +36,18 @@ public class PayDemoTransferServiceImpl implements PayDemoTransferService {
     private Validator validator;
     @Override
-    @Transactional(rollbackFor = Exception.class)
-    public Long createDemoTransfer(Long userId, @Valid PayDemoTransferCreateReqVO vo) {
+    public Long createDemoTransfer(@Valid PayDemoTransferCreateReqVO vo) {
         // 1 校验参数
         vo.validate(validator);
         // 2 保存示例转账业务表
         PayDemoTransferDO demoTransfer = PayDemoTransferConvert.INSTANCE.convert(vo)
-                .setUserId(userId).setAppId(TRANSFER_APP_ID).setTransferStatus(WAITING.getStatus());
+                .setAppId(TRANSFER_APP_ID).setTransferStatus(WAITING.getStatus());
         demoTransferMapper.insert(demoTransfer);
         return demoTransfer.getId();
     }
+
+    @Override
+    public PageResult<PayDemoTransferDO> getDemoTransferPage(PageParam pageVO) {
+        return demoTransferMapper.selectPage(pageVO);
+    }
 }
@@ -14,18 +14,18 @@ import javax.validation.Valid;
 public interface PayTransferService {
     /**
-     * 发起转账
+     * 创建转账单，并发起转账
      *
-     * 此时，会发起支付渠道的调用
+     * 此时，会发起转账渠道的调用
      *
      * @param reqVO 请求
      * @param userIp 用户 ip
      * @return 渠道的返回结果
      */
-    PayTransferDO initiateTransfer(@Valid PayTransferCreateReqVO reqVO, String userIp);
+    PayTransferDO createTransfer(@Valid PayTransferCreateReqVO reqVO, String userIp);
     /**
-     * 创建转账单
+     * 创建转账单，并发起转账
      *
      * @param reqDTO 创建请求
      * @return 转账单编号
@@ -2,22 +2,18 @@ package cn.iocoder.yudao.module.pay.service.transfer;
 import cn.hutool.core.collection.CollUtil;
 import cn.hutool.extra.spring.SpringUtil;
+import cn.iocoder.yudao.framework.common.exception.ServiceException;
 import cn.iocoder.yudao.framework.common.util.json.JsonUtils;
 import cn.iocoder.yudao.framework.pay.core.client.PayClient;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferRespDTO;
 import cn.iocoder.yudao.framework.pay.core.client.dto.transfer.PayTransferUnifiedReqDTO;
-import cn.iocoder.yudao.framework.pay.core.client.exception.PayException;
-import cn.iocoder.yudao.framework.pay.core.enums.channel.PayChannelEnum;
 import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferStatusRespEnum;
-import cn.iocoder.yudao.framework.pay.core.enums.transfer.PayTransferTypeEnum;
 import cn.iocoder.yudao.module.pay.api.transfer.dto.PayTransferCreateReqDTO;
 import cn.iocoder.yudao.module.pay.controller.admin.transfer.vo.PayTransferCreateReqVO;
-import cn.iocoder.yudao.module.pay.dal.dataobject.app.PayAppDO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.channel.PayChannelDO;
 import cn.iocoder.yudao.module.pay.dal.dataobject.transfer.PayTransferDO;
 import cn.iocoder.yudao.module.pay.dal.mysql.transfer.PayTransferMapper;
 import cn.iocoder.yudao.module.pay.dal.redis.no.PayNoRedisDAO;
-import cn.iocoder.yudao.module.pay.enums.transfer.PayTransferStatusEnum;
 import cn.iocoder.yudao.module.pay.service.app.PayAppService;
 import cn.iocoder.yudao.module.pay.service.channel.PayChannelService;
 import lombok.extern.slf4j.Slf4j;
@@ -26,6 +22,7 @@ import org.springframework.transaction.annotation.Transactional;
 import javax.annotation.Resource;
 import javax.validation.Validator;
+import java.util.Objects;
 import static cn.iocoder.yudao.framework.common.exception.util.ServiceExceptionUtil.exception;
 import static cn.iocoder.yudao.module.pay.convert.transfer.PayTransferConvert.INSTANCE;
@@ -33,6 +30,7 @@ import static cn.iocoder.yudao.module.pay.enums.ErrorCodeConstants.*;
 import static cn.iocoder.yudao.module.pay.enums.transfer.PayTransferStatusEnum.*;
 // TODO @jason：等彻底实现完，单测写写；
+
 /**
  * 转账 Service 实现类
  *
@@ -56,28 +54,24 @@ public class PayTransferServiceImpl implements PayTransferService {
     private Validator validator;
     @Override
-    @Transactional(rollbackFor = Exception.class)
-    public PayTransferDO initiateTransfer(PayTransferCreateReqVO reqVO, String userIp) {
-        // 1.1 校验参数
+    public PayTransferDO createTransfer(PayTransferCreateReqVO reqVO, String userIp) {
+        // 1. 校验参数
         reqVO.validate(validator);
-        // todo 使用 AssertTrue
-        validateChannelCodeAndTypeMatch(reqVO.getChannelCode(), reqVO.getType());
-        // 1.2 校验转账单是否可以创建
-        validateTransferCanCreate(reqVO.getAppId(), reqVO.getMerchantTransferId());
+
         // 2. 创建转账单，发起转账
         PayTransferCreateReqDTO req = INSTANCE.convert(reqVO).setUserIp(userIp);
         Long transferId = createTransfer(req);
+
         // 3. 返回转账单
         return getTransfer(transferId);
     }
     @Override
-    @Transactional(rollbackFor = Exception.class)
     public Long createTransfer(PayTransferCreateReqDTO reqDTO) {
         // 1.1 校验转账单是否可以提交
-        validateTransferExist(reqDTO.getAppId(), reqDTO.getMerchantTransferId());
+        validateTransferCanCreate(reqDTO.getAppId(), reqDTO.getMerchantTransferId());
         // 1.2 校验 App
-        PayAppDO appDO = appService.validPayApp(reqDTO.getAppId());
+        appService.validPayApp(reqDTO.getAppId());
         // 1.3 校验支付渠道是否有效
         PayChannelDO channel = channelService.validPayChannel(reqDTO.getAppId(), reqDTO.getChannelCode());
         PayClient client = channelService.getPayClient(channel.getId());
@@ -90,19 +84,28 @@ public class PayTransferServiceImpl implements PayTransferService {
         PayTransferDO transfer = INSTANCE.convert(reqDTO)
                 .setChannelId(channel.getId())
                 .setNo(no).setStatus(WAITING.getStatus())
-                .setNotifyUrl(appDO.getRefundNotifyUrl()); // TODO 需要加个transfer Notify url
+                .setNotifyUrl("http://127.0.0.1:48080/admin-api/pay/todo"); // TODO 需要加个transfer Notify url
         transferMapper.insert(transfer);
+        PayTransferRespDTO unifiedTransferResp = null;
         try {
             // 3. 调用三方渠道发起转账
             PayTransferUnifiedReqDTO transferUnifiedReq = INSTANCE.convert2(reqDTO)
                     .setOutTransferNo(no);
-            PayTransferRespDTO unifiedTransferResp = client.unifiedTransfer(transferUnifiedReq);
+            unifiedTransferResp = client.unifiedTransfer(transferUnifiedReq);
+        } catch (ServiceException ex) {
+            // 业务异常.直接返回转账失败的结果
+            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生业务异常]", transfer.getId(), reqDTO, ex);
+            unifiedTransferResp = PayTransferRespDTO.closedOf("", "", no, ex);
+        } catch (Throwable e) {
+            // 注意这里仅打印异常，不进行抛出。
+            // 原因是：虽然调用支付渠道进行转账发生异常（网络请求超时），实际转账成功。这个结果，后续通过转账回调、或者转账轮询可以拿到。
+            // TODO 需要加转账回调业务接口 和 转账轮询未实现
+            // 最终，在异常的情况下，支付中心会异步回调业务的转账回调接口，提供转账结果
+            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生异常]", transfer.getId(), reqDTO, e);
+        }
+        if (Objects.nonNull(unifiedTransferResp)) {
             // 4. 通知转账结果
             getSelf().notifyTransfer(channel, unifiedTransferResp);
-        } catch (PayException e) {
-            // 这里仅打印异常，不进行抛出。
-            // TODO 说明
-            log.error("[createTransfer][转账 id({}) requestDTO({}) 发生异常]", transfer.getId(), reqDTO, e);
         }
         return transfer.getId();
     }
@@ -127,16 +130,9 @@ public class PayTransferServiceImpl implements PayTransferService {
         // TODO IN_PROGRESS 待处理
     }
-    private void validateTransferExist(Long appId, String merchantTransferId ) {
+    private void validateTransferCanCreate(Long appId, String merchantTransferId) {
         PayTransferDO transfer = transferMapper.selectByAppIdAndMerchantTransferId(appId, merchantTransferId);
-        if (transfer != null) { // 是否存在
-            throw exception(PAY_TRANSFER_EXISTS);
-        }
-    }
-
-    private void validateTransferCanCreate(Long appId, String merchantTransferId ) {
-        PayTransferDO transfer = transferMapper.selectByAppIdAndMerchantTransferId(appId, merchantTransferId);
-        if (transfer != null) { // 是否存在
+        if (transfer != null) {  // 是否存在
             throw exception(PAY_MERCHANT_TRANSFER_EXISTS);
         }
     }
@@ -192,7 +188,7 @@ public class PayTransferServiceImpl implements PayTransferService {
         // 2.更新
         int updateCount = transferMapper.updateByIdAndStatus(transfer.getId(),
                 CollUtil.newArrayList(WAITING.getStatus(), IN_PROGRESS.getStatus()),
-                new PayTransferDO().setStatus(CLOSED.getStatus()) .setChannelId(channel.getId())
+                new PayTransferDO().setStatus(CLOSED.getStatus()).setChannelId(channel.getId())
                         .setChannelCode(channel.getCode()).setChannelTransferNo(notify.getChannelTransferNo())
                         .setChannelErrorCode(notify.getChannelErrorCode()).setChannelErrorMsg(notify.getChannelErrorMsg())
                         .setChannelNotifyData(JsonUtils.toJsonString(notify)));
@@ -204,52 +200,7 @@ public class PayTransferServiceImpl implements PayTransferService {
     private void notifyTransferClosed(PayChannelDO channel, PayTransferRespDTO notify) {
         //  更新 PayTransferDO 转账关闭
-        updateTransferClosed(channel,notify);
-    }
-
-    private void validateChannelCodeAndTypeMatch(String channelCode, Integer type) {
-        PayTransferTypeEnum transferType = PayTransferTypeEnum.typeOf(type);
-        switch (transferType) {
-            case ALIPAY_BALANCE: {
-                if (!PayChannelEnum.isAlipay(channelCode)) {
-                    throw exception(PAY_TRANSFER_TYPE_AND_CHANNEL_NOT_MATCH);
-                }
-                break;
-            }
-            case WX_BALANCE:
-            case BANK_CARD:
-            case WALLET_BALANCE: {
-                throw new UnsupportedOperationException("待实现");
-            }
-        }
-    }
-
-    private PayChannelDO validateChannelCanSubmit(Long appId, String channelCode) {
-        // 校验 App
-        appService.validPayApp(appId);
-        // 校验支付渠道是否有效
-        PayChannelDO channel = channelService.validPayChannel(appId, channelCode);
-        PayClient client = channelService.getPayClient(channel.getId());
-        if (client == null) {
-            log.error("[validateChannelCanSubmit][渠道编号({}) 找不到对应的支付客户端]", channel.getId());
-            throw exception(CHANNEL_NOT_FOUND);
-        }
-        return channel;
-    }
-
-    private PayTransferDO validateTransferExist(Long id) {
-        PayTransferDO transfer = transferMapper.selectById(id);
-        if (transfer == null) { // 是否存在
-            throw exception(PAY_TRANSFER_NOT_FOUND);
-        }
-        if (PayTransferStatusEnum.isSuccess(transfer.getStatus())) {
-            throw exception(PAY_TRANSFER_STATUS_IS_SUCCESS);
-        }
-        if (!PayTransferStatusEnum.isWaiting(transfer.getStatus())) {
-            throw exception(PAY_TRANSFER_STATUS_IS_NOT_WAITING);
-        }
-        // TODO 查询拓展单是否未已转账和转账中
-        return transfer;
+        updateTransferClosed(channel, notify);
     }
     /**