trustbase-seller-backend 0.3.2 → 0.3.4

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "trustbase-seller-backend",
-  "version": "0.3.2",
+  "version": "0.3.4",
   "description": "TrustBase Seller Backend (merchant edition) — 商品上链/订单/支付/质押 write API for TrustBase 保障链生态. 单卖家自托管形态: 签名 key 即卖家身份, 私钥不出门.",
   "main": "run-unified.js",
   "bin": {

package/routes/onboard.html

@@ -201,13 +201,10 @@ img.auprev{display:none;width:100%;max-height:140px;object-fit:cover;border-radi
           <div class="afield"><label for="a_service_phone">客服电话</label><input id="a_service_phone" placeholder="交易记录向买家展示"></div>
           <div class="afield"><label>结算规则 (按主体自动确定, 不用选)</label>
             <div class="arule" id="a_settlement_rule">719 · 个体户通用（0.6% T+1）</div></div>
-          <div class="afield"><label for="a_settlement_id">行业类目 (微信 MCC 编码)</label>
-            <input id="a_settlement_filter" placeholder="搜索: 编码或名称 (如 5732 / 电子)" style="margin-bottom:6px">
-            <select id="a_settlement_id">
-              <option value="">请选择行业类目</option>
-              <option value="__MANUAL__">手动输入编码</option>
-            </select>
-            <input id="a_settlement_manual" class="amanual" placeholder="4 位 MCC 编码, 如: 5311" style="display:none"></div>
+          <div class="afield"><label for="a_industry_cat">所属行业·大类</label>
+            <select id="a_industry_cat"></select></div>
+          <div class="afield"><label for="a_settlement_id">所属行业·子类 (微信行业名称)</label>
+            <select id="a_settlement_id"></select></div>
         </div>
       </div>
 
@@ -218,7 +215,9 @@ img.auprev{display:none;width:100%;max-height:140px;object-fit:cover;border-radi
           <div class="afield"><label for="a_legal_id_number">法人身份证号</label><input id="a_legal_id_number" placeholder="17 位数字 + 数字或 X"></div>
           <div class="afield afield-full" id="afield_idaddr" style="display:none"><label for="a_legal_id_address">身份证居住地址 <span class="aopt">企业主体必填, 本机加密</span></label><input id="a_legal_id_address" placeholder="与身份证住址一致, 如: 广东省深圳市南山区xx路xx号"></div>
           <div class="afield afield-full" id="afield_ubo_note" style="display:none">
-            <div class="ahint" style="margin-top:0">企业主体：若最终受益人只有法定代表人本人，无需填写受益人信息 (微信自动回填)；否则暂不支持，请联系服务商协助进件</div>
+            <label for="a_beneficiary">最终受益人</label>
+            <select id="a_beneficiary"><option value="legal">法定代表人本人 (默认, 微信自动回填受益人信息)</option><option value="other">他人</option></select>
+            <div class="ahint" id="a_beneficiary_hint" style="display:none;margin-top:8px">⚠️ 暂不支持受益人为他人的进件, 请选"法定代表人本人"或联系服务商协助</div>
           </div>
           <div class="afield"><label for="a_period_begin">身份证有效期开始</label><input id="a_period_begin" placeholder="YYYY-MM-DD"></div>
           <div class="afield"><label for="a_period_end">有效期结束</label><input id="a_period_end" placeholder="YYYY-MM-DD 或 长期"></div>
@@ -822,6 +821,8 @@ function restoreApplyDraft(f){
     var e=document.getElementById(PREFILL_MAP[k]);
     if(e&&!e.value) e.value=v;
   }
+  // 所属行业 (二级联动定位)
+  syncIndustrySelection(f.qualification_type);
   // 照片 media_id 复用 → 槽位已传双态
   PREFILL_MEDIA.forEach(function(k){
     if(f[k]&&_aSlots[k]) _aSlots[k].prefill(f[k]);
@@ -833,6 +834,18 @@ function restoreApplyDraft(f){
   // 草稿恢复了编辑态 → 展开表单
   document.getElementById('apply-form').style.display='block';
 }
+// 所属行业二级联动选中 (预填共用): 合法行业名称 → 定位大类 + 选中子类; 非法/旧 MCC → 保持默认重选
+function syncIndustrySelection(ind){
+  if(!ind||String(ind).indexOf('***')===0||/^\d+$/.test(String(ind))||ind==='无') return;
+  if(typeof industrySubsFor!=='function') return; // 增强脚本未就绪 (理论不到这)
+  var type2=(document.getElementById('a_subject_type')||{}).value||'SUBJECT_TYPE_INDIVIDUAL';
+  var hit=industrySubsFor(type2).filter(function(s){return s.n===ind;})[0];
+  if(!hit) return;
+  var ce=document.getElementById('a_industry_cat');
+  if(ce){ ce.value=hit.cat; if(typeof renderIndustrySubs==='function') renderIndustrySubs(false); }
+  var se=document.getElementById('a_settlement_id');
+  if(se) se.value=ind;
+}
 // 任何字段 input/change → 防抖自动保存 (含场景切换时的字段集; file 选择也走 change)
 (function(){
   var form=document.getElementById('apply-form');
@@ -849,7 +862,6 @@ var PREFILL_MAP={subject_type:'a_subject_type',merchant_shortname:'a_shortname',
   legal_id_period_begin:'a_period_begin',legal_id_period_end:'a_period_end',
   account_type:'a_account_type',account_name:'a_account_name',account_number:'a_account_number',
   account_bank:'a_account_bank',bank_name:'a_bank_name',bank_address_code:'a_bank_address_code',
-  qualification_type:'a_settlement_id', // 行业类目 MCC (draft 路径用; snapshot 路径走 mcc 兼容段)
   store_name:'a_store_name',store_address_code:'a_store_address_code',store_address:'a_store_address',
   website_url:'a_website_url',appid:'a_appid',appid_type:'a_appid_type'};
 var PREFILL_MEDIA=['license_media_id','legal_id_front_media_id','legal_id_back_media_id',
@@ -874,16 +886,9 @@ function prefillApplyForm(snap){
     var e=document.getElementById(PREFILL_MAP[k]);
     if(e&&!e.value) e.value=v;
   }
-  // 行业类目 (MCC) 预填: 新口径 qualification_type=MCC; 旧台账曾把 MCC 误存进 settlement_id
-  // → 兼容回填 (旧值若是 4 位 MCC 而非 716/719/727, 填回"行业类目"框; 结算规则按主体重新推导)
-  var mcc=snap.qualification_type;
-  if((!mcc||mcc==='无'||mcc==='零售') && snap.settlement_id && ['716','719','727'].indexOf(String(snap.settlement_id))<0){
-    mcc=snap.settlement_id;
-  }
-  if(mcc && mcc!=='无' && String(mcc).indexOf('***')!==0){
-    var se=document.getElementById('a_settlement_id');
-    if(se&&!se.value) se.value=mcc; // 不在码表 (手填值) 时 select 置空, 商户重选/手填
-  }
+  // 所属行业预填 (二级联动): 合法行业名称 → 定位所属大类并选中子类;
+  // 旧快照 MCC 数字/非法值 → 保持默认让商户重选 (静默不报错)
+  syncIndustrySelection(snap.qualification_type);
   // 照片复用: media_id 还在微信侧有效 → 槽位走"已上传"双态 (占位图+替换/删除, 无第二个空框)
   var reused=0;
   PREFILL_MEDIA.forEach(function(k){
@@ -1006,45 +1011,73 @@ async function restoreIdentity(){
    ① 编码字段下拉+联动 ② 状态卡片着色 + 签约二维码占位。
    (证件缩略图预览已于二重框修复时并入主脚本 mountApplyUpload 槽位双态) ===== */
 (function(){
-  // ⓪ 编码字段下拉 (2026-10-03 xiaomu: 手填编码易被微信秒拒 → 下拉)
-  // 经营类目 ↔ 主体类型联动 — MCC 真实编码 (V3 进件 settlement_id 用《商户行业编码》4 位 MCC,
-  //  之前 716/719/727 是 V2 结算规则 ID, 被微信拒 "所属行业不存在"。编码主体通用,
-  //  联动只影响默认选中: 企业→5311 百货, 个体户→5331 杂货便利店)
-  var MCC=[['5311','百货商店'],['5331','各类杂货店便利店'],['5411','大型仓储式超级市场'],
-    ['5611','男装店'],['5621','妇女成衣店'],['5641','婴儿儿童服装店'],['5651','家庭服装商店'],
-    ['5655','运动服饰商店'],['5661','鞋店'],['5691','成人成衣店'],['5699','各类服装及饰物店'],
-    ['5712','家具家用设备零售商'],['5722','家用电器商店'],['5732','电子设备商店'],['5734','计算机软件商店'],
-    ['5921','瓶装酒零售店'],['5942','书店'],['5943','文具办公用品商店'],['5944','珠宝钟表银器店'],
-    ['5945','玩具游戏店'],['5948','箱包皮具店'],['5949','纺织品针织品零售'],['5970','工艺美术商店'],
-    ['5977','化妆品商店'],['5995','宠物商店及用品'],['5999','其他专门零售店'],
-    ['5812','就餐场所和餐馆'],['5814','快餐店'],['5499','各类食品店'],['5441','糖果坚果商店'],
-    ['5451','乳制品冷饮店'],['5462','面包房糕点商店'],['5422','各类肉类零售商'],['5912','药店药房'],
-    ['4816','计算机网络信息服务'],['7011','住宿服务'],['4722','旅行社'],['4733','票务'],
-    ['7230','美容理发店'],['7298','保健美容SPA'],['7295','家政服务'],['7699','各类维修店'],
-    ['8249','贸易职业学校(职业技能培训)'],['8299','其他学校和教育服务']];
+  // ⓪ 所属行业二级联动 (2026-10-03 微信官方网页版实证校准):
+  //  qualification_type = 二级子类的名称文本 (如 "零售"), 大类只做导航不上送;
+  //  行业结构 大类>子类, 按主体过滤 (企业全套, 个体户/其他组织子集 — 对照 716/719/727 行业子项);
+  //  "所属行业不存在"30+ 次失败的真根因是"服务商不能给自己进件"(业务规则), 行业值 "零售" 一直合法。
+  var INDUSTRY_CATS=[
+    {cat:'餐饮/零售', subs:[
+      {n:'餐饮',lic:1},{n:'零售'},{n:'电商平台',ent:1},{n:'食品生鲜',lic:1},{n:'服饰鞋包'},
+      {n:'文物经营/文物复制品销售',lic:1,ent:1}]},
+    {cat:'交通/加油', subs:[
+      {n:'机票/机票代理',lic:1},{n:'旅行社',lic:1,ent:1},{n:'景区酒店',ent:1}]},
+    {cat:'生活/娱乐', subs:[
+      {n:'宠物医院',lic:1},{n:'共享服务',lic:1,ent:1},{n:'休闲娱乐旅游服务',ent:1},
+      {n:'游艺厅/KTV/网吧',lic:1},{n:'院线影城',lic:1,ent:1},{n:'演出赛事',lic:1,ent:1},
+      {n:'居民生活服务',ent:1},{n:'保健美容SPA',lic:1},{n:'美容理发店'}]},
+    {cat:'互联网服务', subs:[
+      {n:'门户论坛/网络广告及推广/软件开发/其他互联网服务'},{n:'电信运营商/宽带收费',lic:1,ent:1}]},
+    {cat:'房产/金融', subs:[
+      {n:'房地产/房产中介',lic:1,ent:1}]},
+    {cat:'医疗/教育', subs:[
+      {n:'私立/民营医院/诊所',lic:1},{n:'保健器械/医疗器械/非处方药品',lic:1},{n:'教育/培训/考试缴费/学费',lic:1}]},
+    {cat:'其他', subs:[
+      {n:'宗教组织'},{n:'拍卖典当',lic:1,ent:1},{n:'咨询/娱乐票务/其他'}]}
+  ];
+  // 其他组织 (727) 子集 (对照表口径)
+  var INDUSTRY_OTHERS_ALLOW=['宗教组织','机票/机票代理','私立/民营医院/诊所','咨询/娱乐票务/其他'];
+  var INDUSTRY_DEFAULT_SUB={SUBJECT_TYPE_ENTERPRISE:'零售',SUBJECT_TYPE_INDIVIDUAL:'零售',SUBJECT_TYPE_OTHERS:'咨询/娱乐票务/其他'};
   var subj=document.getElementById('a_subject_type');
-  var stl=document.getElementById('a_settlement_id');
-  if(stl){
-    // 填充 MCC 选项 (手动输入项保持在最后)
-    var manualOpt=stl.querySelector('option[value="__MANUAL__"]');
-    MCC.forEach(function(c){
-      var o=document.createElement('option');
-      o.value=c[0];o.textContent=c[0]+' · '+c[1];
-      stl.insertBefore(o,manualOpt);
-    });
-    stl.value='5311'; // 默认 百货商店 (综合电商最高频)
-    // 搜索过滤 (45 个选项手翻太长)
-    var filt=document.getElementById('a_settlement_filter');
-    if(filt) filt.addEventListener('input',function(){
-      var q=filt.value.trim().toLowerCase();
-      Array.prototype.forEach.call(stl.options,function(o){
-        if(o.value===''||o.value==='__MANUAL__') return;
-        o.hidden = !!(q && o.textContent.toLowerCase().indexOf(q)<0);
+  var stl=document.getElementById('a_settlement_id'); // 子类下拉 (提交 id 稳定: value=子类名称 → qualification_type)
+  var catEl=document.getElementById('a_industry_cat');
+  function industrySubsFor(type){
+    var out=[];
+    INDUSTRY_CATS.forEach(function(c){
+      c.subs.forEach(function(s){
+        if(type==='SUBJECT_TYPE_ENTERPRISE'){ out.push({cat:c.cat,n:s.n,lic:s.lic}); }
+        else if(type==='SUBJECT_TYPE_OTHERS'){ if(INDUSTRY_OTHERS_ALLOW.indexOf(s.n)>=0) out.push({cat:c.cat,n:s.n,lic:s.lic}); }
+        else if(!s.ent){ out.push({cat:c.cat,n:s.n,lic:s.lic}); } // 个体户: 非"仅企业"子项
       });
     });
-    // 手动输入接管 (沿用 id 移交逻辑)
-    linkSelectManual('a_settlement_id','a_settlement_manual','__MANUAL__');
+    return out;
+  }
+  function renderIndustryCats(keepSub){
+    if(!catEl||!stl) return;
+    var type=(subj&&subj.value)||'SUBJECT_TYPE_INDIVIDUAL';
+    var subs=industrySubsFor(type);
+    var cats=[]; subs.forEach(function(s){ if(cats.indexOf(s.cat)<0) cats.push(s.cat); });
+    catEl.innerHTML='';
+    cats.forEach(function(c){ var o=document.createElement('option'); o.value=c; o.textContent=c; catEl.appendChild(o); });
+    catEl.value=cats.indexOf('餐饮/零售')>=0?'餐饮/零售':cats[0];
+    renderIndustrySubs(keepSub);
   }
+  function renderIndustrySubs(keepSub){
+    var type=(subj&&subj.value)||'SUBJECT_TYPE_INDIVIDUAL';
+    var cat=catEl.value;
+    var subs=industrySubsFor(type).filter(function(s){ return s.cat===cat; });
+    var cur=keepSub?stl.value:'';
+    stl.innerHTML='';
+    subs.forEach(function(s){
+      var o=document.createElement('option');
+      o.value=s.n; // 提交直接带子类名称文本 (qualification_type)
+      o.textContent=s.n+(s.lic?' ⚠️需许可证':'');
+      stl.appendChild(o);
+    });
+    var def=INDUSTRY_DEFAULT_SUB[type];
+    stl.value=(subs.some(function(s){return s.n===cur;})&&cur)?cur
+      :(subs.some(function(s){return s.n===def;})?def:(subs[0]?subs[0].n:''));
+  }
+  if(catEl){ catEl.addEventListener('change',function(){ renderIndustrySubs(false); }); }
   // 结算规则只读展示 (settlement_id 按主体推导: 企业 716 / 个体户 719 / 其他组织 727; 商户不用选)
   var SETTLE_RULES={SUBJECT_TYPE_INDIVIDUAL:'719 · 个体户通用（0.6% T+1）',
     SUBJECT_TYPE_ENTERPRISE:'716 · 企业通用（0.6% T+1）',SUBJECT_TYPE_OTHERS:'727 · 其他组织通用（0.6% T+1）'};
@@ -1055,14 +1088,44 @@ async function restoreIdentity(){
   paintSettleRule();
   if(subj&&stl){
     subj.addEventListener('change',function(){
-      stl.value = subj.value==='SUBJECT_TYPE_ENTERPRISE' ? '5311' : '5331';
+      renderIndustryCats(false); // 主体切换 → 大类/子类选项集联动刷新 + 重选默认
       paintSettleRule();
+      paintAccountLock(); // 修正2: 企业强制对公
       // F4: 企业主体显示身份证居住地址(必填) + UBO 说明; 个体户隐藏
       var ent = subj.value==='SUBJECT_TYPE_ENTERPRISE';
       var ia=document.getElementById('afield_idaddr'); if(ia) ia.style.display=ent?'':'none';
       var un=document.getElementById('afield_ubo_note'); if(un) un.style.display=ent?'':'none';
     });
   }
+  renderIndustryCats(false); // 初始: 大类 餐饮/零售 > 子类 零售
+
+  // 修正2 (微信网页版实证): 企业主体强制对公账户 — 账户类型锁死对公, 户名=商户全称 (自动带出不可改)
+  function paintAccountLock(){
+    var ent = subj && subj.value==='SUBJECT_TYPE_ENTERPRISE';
+    var at=document.getElementById('a_account_type');
+    var an=document.getElementById('a_account_name');
+    if(at){
+      at.value = ent ? 'BANK_ACCOUNT_TYPE_CORPORATE' : at.value;
+      at.disabled = !!ent;
+    }
+    if(an){
+      if(ent){ an.value=document.getElementById('a_merchant_name').value; an.readOnly=true; }
+      else an.readOnly=false;
+    }
+  }
+  paintAccountLock();
+  // 修正3 受益人 (网页版同款): 默认"法定代表人本人"(平台自动回填, 页面不重复填); 选"他人"只给提示
+  var bf=document.getElementById('a_beneficiary');
+  if(bf) bf.addEventListener('change',function(){
+    var h=document.getElementById('a_beneficiary_hint');
+    if(h) h.style.display=bf.value==='other'?'':'none';
+  });
+  var mnEl=document.getElementById('a_merchant_name');
+  if(mnEl) mnEl.addEventListener('input',function(){
+    if(subj&&subj.value==='SUBJECT_TYPE_ENTERPRISE'){
+      var an=document.getElementById('a_account_name'); if(an) an.value=mnEl.value;
+    }
+  });
   // 省市编码选项 (国标区划码, 两处下拉共用; 微信官方对照表口径)
   var CITY_CODES=[['110000','北京市'],['120000','天津市'],['310000','上海市'],['500000','重庆市'],
     ['130100','石家庄'],['140100','太原'],['150100','呼和浩特'],['210100','沈阳'],['210200','大连'],

package/routes/onboard.js

@@ -606,7 +606,7 @@ function createOnboardRouter(deps) {
         account_name: "开户名称", account_number: "银行账号", account_bank: "开户银行",
         store_name: "门店名称", store_address_code: "门店省市编码", store_address: "门店详细地址",
         website_url: "网站网址", appid: "公众号/小程序 AppID",
-        service_phone: "客服电话", qualification_type: "行业类目 (MCC 编码)",
+        service_phone: "客服电话", qualification_type: "所属行业 (微信行业名称)",
         license_media_id: "营业执照照片", legal_id_front_media_id: "身份证人像面", legal_id_back_media_id: "身份证国徽面",
         store_entrance_media_id: "门店门头照片", store_indoor_media_id: "门店内部照片",
         web_home_media_id: "网站首页截图", web_product_media_id: "商品/服务页截图", mp_media_id: "公众号/小程序页面截图",
@@ -819,6 +819,11 @@ CREATE TABLE IF NOT EXISTS onboard_draft (
                 // settlement_id = 结算规则 ID, 按主体推导 (商户不用选; 前端不传也兜底)
                 payload.settlement_id = payload.subject_type === "SUBJECT_TYPE_ENTERPRISE" ? "716"
                     : (payload.subject_type === "SUBJECT_TYPE_OTHERS" ? "727" : "719");
+                // 修正2 (微信网页版实证): 企业主体强制对公账户 — account_type 锁死对公, 户名=商户全称
+                if (payload.subject_type === "SUBJECT_TYPE_ENTERPRISE") {
+                    payload.account_type = "BANK_ACCOUNT_TYPE_CORPORATE";
+                    payload.account_name = payload.merchant_name;
+                }
                 // M2 断点 c: tb_address 贯通 — SP 台账落列, FINISHED 后 oracle 引导金才知道发给谁
                 const identity = await ensureSellerIdentity(basePaths.baseDir());
                 payload.tb_address = identity.address;

package/test-onboard-applyment.js

@@ -111,7 +111,7 @@ async function fillForm(base) {
         account_type: "BANK_ACCOUNT_TYPE_PERSONAL",
         account_name: "张三", account_number: PLAINTEXT.card, account_bank: "招商银行",
         store_name: "张三餐饮店南山店", store_address_code: "440300", store_address: "南山区xx路1号",
-        service_phone: "0755-12345678", qualification_type: "5331", // 行业类目 MCC (settlement_id 结算规则由后端按主体推导)
+        service_phone: "0755-12345678", qualification_type: "零售", // 所属行业=二级子类名称文本 (settlement_id 结算规则由后端按主体推导)
         ...media,
     };
 }
@@ -287,14 +287,19 @@ test("onboard 页面含进件表单 (btn-apply-submit) 且第③步状态机元
         assert.ok(!html.includes("slot.insertBefore(img"), "旧增强脚本预览补丁已删 (二重框根因)");
         assert.ok(html.includes("prefill:function(mediaId)"), "预填走双态 (无第二个空框)");
         // 2026-10-03 MCC 修正: 经营类目下拉是真实 MCC 编码 (716/719/727 是 V2 结算规则 ID, 被微信拒)
-        assert.ok(html.includes("5311") && html.includes("5732"), "MCC 编码选项");
-        assert.ok(html.includes("百货商店") && html.includes("就餐场所和餐馆"), "MCC 名称");
-        assert.ok(!html.includes('value="719"') && !html.includes('value="716"') && !html.includes('value="727"'), "V2 错误编码已清除");
-        assert.ok(html.includes("a_settlement_filter"), "类目搜索过滤");
-        assert.ok(html.includes("a_settlement_manual") && html.includes("__MANUAL__"), "手动输入接管保留");
-        // 2026-10-03 字段语义最终修正: 双字段 (结算规则只读展示 + 行业类目 MCC 下拉)
+        // 2026-10-03 网页版实证校准: 行业二级联动 (大类导航 + 子类名称文本提交)
+        assert.ok(html.includes("a_industry_cat"), "行业大类下拉");
+        assert.ok(html.includes("INDUSTRY_CATS") && html.includes("renderIndustrySubs"), "二级联动数据+渲染");
+        assert.ok(html.includes("{n:'零售'}"), "默认子类 零售");
+        assert.ok(html.includes("餐饮/零售") && html.includes("门户论坛/网络广告及推广/软件开发/其他互联网服务"), "对照表子项");
+        assert.ok(html.includes("⚠️需许可证"), "特殊行业许可证标记");
+        assert.ok(!html.includes("a_settlement_manual"), "行业手输框不存在 (封闭集合)");
+        // 修正2 企业强制对公 + 修正3 受益人
+        assert.ok(html.includes("paintAccountLock"), "企业对公锁逻辑");
+        assert.ok(html.includes("a_beneficiary"), "受益人选择");
+        // 双字段 (结算规则只读展示 + 所属行业下拉)
         assert.ok(html.includes("a_settlement_rule"), "结算规则只读展示框");
-        assert.ok(html.includes("结算规则") && html.includes("行业类目"), "双字段标签");
+        assert.ok(html.includes("结算规则") && html.includes("所属行业"), "双字段标签");
         assert.ok(!html.includes("a_qualification_type"), "旧资质描述字段已移除");
         assert.ok(html.includes("maybeAutoKyc"), "M2: 进件受理后自动 KYC 提交");
         assert.ok(!html.includes("btn-verify"), "手动实名按钮已删 (自动触发)");
@@ -357,17 +362,18 @@ test("字段语义最终修正: settlement_id=结算规则按主体推导 + qual
         let j = await r.json();
         assert.strictEqual(r.status, 400);
         assert.strictEqual(j.field, "qualification_type");
-        assert.ok(j.message.includes("行业类目"), j.message);
+        assert.ok(j.message.includes("所属行业"), j.message);
         // 个体户 → settlement_id=719 (前端没传, 后端推导) + qualification_type=5331 透传
         const before = spCapture.submits.length;
+        // 补回行业名称再提交
+        form.qualification_type = "零售";
         r = await fetch(base + "/api/onboard/applyment", {
-            method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify(form2ok(form) ),
+            method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify(form),
         });
-        function form2ok(f){ const c={...f, qualification_type:"5331"}; return c; }
         j = await r.json();
         assert.strictEqual(r.status, 200, JSON.stringify(j));
         assert.strictEqual(spCapture.submits[before].settlement_id, "719", "个体户 → 结算规则 719 (后端推导)");
-        assert.strictEqual(spCapture.submits[before].qualification_type, "5331", "行业类目 MCC 透传");
+        assert.strictEqual(spCapture.submits[before].qualification_type, "零售", "所属行业=二级子类名称文本透传");
     } finally { srv.close(); }
 });
 
@@ -376,7 +382,7 @@ test("字段语义: 企业主体 → settlement_id=716 + qualification_type=MCC
     try {
         const form = await fillForm(base);
         form.subject_type = "SUBJECT_TYPE_ENTERPRISE";
-        form.qualification_type = "5311";
+        form.qualification_type = "零售";
         form.legal_id_address = "广东省深圳市南山区xx路1号101室"; // 企业必填 (F4)
         const before = spCapture.submits.length;
         const r = await fetch(base + "/api/onboard/applyment", {
@@ -386,11 +392,19 @@ test("字段语义: 企业主体 → settlement_id=716 + qualification_type=MCC
         assert.strictEqual(r.status, 200, JSON.stringify(j));
         const fwd = spCapture.submits[before];
         assert.strictEqual(fwd.settlement_id, "716", "企业 → 结算规则 716");
-        assert.strictEqual(fwd.qualification_type, "5311", "行业类目 MCC");
+        assert.strictEqual(fwd.qualification_type, "零售", "所属行业=二级子类名称文本");
+        // 修正2 (网页版实证): 企业强制对公 — account_type 锁死 + 户名=公司名 (密文可还原验证)
+        assert.strictEqual(fwd.account_type, "BANK_ACCOUNT_TYPE_CORPORATE", "企业强制对公");
+        const decName = crypto.privateDecrypt(
+            { key: wxPub.privateKey, padding: crypto.constants.RSA_PKCS1_OAEP_PADDING, oaepHash: "sha1" }, // 加密侧已锁 OAEP-SHA1 (2026-09-26 微信实测)
+            Buffer.from(fwd.account_name, "base64")
+        ).toString("utf8");
+        assert.strictEqual(decName, form.merchant_name, "对公户名=商户全称 (自动带出)");
         // SP 侧组装: settlement_info 两字段正确分工
         const wxBody = spApplymentLib.buildApplymentBody({ ...fwd, business_code: "TBTEST" }, (s) => s, { alreadyEncrypted: true });
         assert.strictEqual(wxBody.settlement_info.settlement_id, "716");
-        assert.strictEqual(wxBody.settlement_info.qualification_type, "5311");
+        assert.strictEqual(wxBody.settlement_info.qualification_type, "零售");
+        assert.strictEqual(wxBody.bank_account_info.bank_account_type, "BANK_ACCOUNT_TYPE_CORPORATE");
     } finally { srv.close(); }
 });