trustbase-seller-backend 0.3.3 → 0.3.5

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "trustbase-seller-backend",
-  "version": "0.3.3",
+  "version": "0.3.5",
   "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

@@ -201,9 +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">所属行业 (微信行业名称)</label>
-            <input id="a_settlement_filter" placeholder="搜索行业 (如 零售 / 餐饮)" style="margin-bottom:6px">
-            <select id="a_settlement_id"><option value="">请选择所属行业</option></select></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>
 
@@ -214,7 +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>
@@ -289,6 +292,7 @@ img.auprev{display:none;width:100%;max-height:140px;object-fit:cover;border-radi
           <div id="a_up_idback"></div>
           <div id="a_up_s1"></div>
           <div id="a_up_s2"></div>
+          <div id="a_up_qual_wrap" style="display:none;grid-column:1/-1"><div id="a_up_qual"></div></div>
         </div>
       </div>
 
@@ -650,6 +654,7 @@ function applyFormBody(){
     account_type:aval('a_account_type'),account_name:aval('a_account_name'),account_number:aval('a_account_number'),
     account_bank:aval('a_account_bank'),bank_name:aval('a_bank_name'),bank_address_code:aval('a_bank_address_code'),
     legal_id_address:aval('a_legal_id_address'), // 企业主体必填 (F4), 个体户留空
+    qual_media_id:_aMedia.qual_media_id||'', // 特殊资质 (需资质行业必传 → 后端组装 qualifications 数组)
     sales_scene:scene,
     license_media_id:_aMedia.license_media_id||'',legal_id_front_media_id:_aMedia.legal_id_front_media_id||'',
     legal_id_back_media_id:_aMedia.legal_id_back_media_id||''
@@ -818,6 +823,8 @@ 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]);
@@ -829,6 +836,18 @@ 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');
@@ -845,11 +864,10 @@ 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',
-  'store_entrance_media_id','store_indoor_media_id','web_home_media_id','web_product_media_id','mp_media_id'];
+  'store_entrance_media_id','store_indoor_media_id','web_home_media_id','web_product_media_id','mp_media_id','qual_media_id'];
 var _prefilled=false;
 function prefillApplyForm(snap){
   if(_prefilled||!snap||typeof snap!=='object') return;
@@ -870,14 +888,9 @@ function prefillApplyForm(snap){
     var e=document.getElementById(PREFILL_MAP[k]);
     if(e&&!e.value) e.value=v;
   }
-  // 所属行业预填 (第三次字段修正口径): qualification_type=中文行业名称 (封闭集合);
-  // 旧快照若是 MCC 数字 (5722 等) 或 "无"/"零售" → 识别为非法, 清空让商户重选 (不报错);
-  // 合法行业名称则回填 (不在当前主体选项集时 select 置空, 商户重选)
-  var ind=snap.qualification_type;
-  if(ind && String(ind).indexOf('***')!==0 && !/^\d+$/.test(String(ind)) && ind!=='无' && ind!=='零售'){
-    var se=document.getElementById('a_settlement_id');
-    if(se) se.value=ind; // renderIndustries 已按主体建好选项集; 不在集合内 value 置空即"未选"
-  }
+  // 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){
@@ -1000,51 +1013,117 @@ 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 所属行业下拉 (2026-10-03 第三次字段修正, 微信文档实锤):
-  //  qualification_type【所属行业】=《费率结算规则对照表》"行业"列的**中文行业名称** (封闭集合),
-  //  不是 MCC 数字编码 (填 5722 被微信拒 "所属行业不存在")。行业子项按主体联动 (716/719/727 各自的表)。
-  var INDUSTRIES={
-    SUBJECT_TYPE_ENTERPRISE:['餐饮','食品生鲜','电信运营商/宽带收费','私立/民营医院/诊所','保健器械/医疗器械/非处方药品',
-      '游艺厅/KTV/网吧','机票/机票代理','宠物医院','旅行社','宗教组织','房地产/房产中介','共享服务',
-      '文物经营/文物复制品销售','拍卖典当','教育/培训/考试缴费/学费','零售批发/生活娱乐/网上商城/其他'],
-    SUBJECT_TYPE_INDIVIDUAL:['餐饮','食品生鲜','私立/民营医院/诊所','保健器械/医疗器械/非处方药品',
-      '游艺厅/KTV/网吧','机票/机票代理','宠物医院','教育/培训/考试缴费/学费','零售批发/生活娱乐/其他'],
-    SUBJECT_TYPE_OTHERS:['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={SUBJECT_TYPE_ENTERPRISE:'零售批发/生活娱乐/网上商城/其他',
-    SUBJECT_TYPE_INDIVIDUAL:'零售批发/生活娱乐/其他',SUBJECT_TYPE_OTHERS:'咨询/娱乐票务/其他'};
-  // 需要许可证的特殊行业 (选项后加 ⚠️需许可证 提示; value 仍是行业名称原文)
-  var INDUSTRY_LICENSE=['餐饮','食品生鲜','私立/民营医院/诊所','保健器械/医疗器械/非处方药品',
-    '游艺厅/KTV/网吧','教育/培训/考试缴费/学费','宠物医院','旅行社','拍卖典当','文物经营/文物复制品销售',
-    '房地产/房产中介','电信运营商/宽带收费','共享服务'];
+  // 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');
-  function renderIndustries(){
-    if(!stl) return;
-    var type=(subj&&INDUSTRIES[subj.value])?subj.value:'SUBJECT_TYPE_INDIVIDUAL';
-    var list=INDUSTRIES[type];
-    var cur=stl.value; // 尽量保留已选 (主体没换集合内同名行业时)
-    stl.innerHTML='<option value="">请选择所属行业</option>';
-    list.forEach(function(name){
-      var o=document.createElement('option');
-      o.value=name; // 提交直接带行业名称原文 (含斜杠)
-      o.textContent=name+(INDUSTRY_LICENSE.indexOf(name)>=0?' ⚠️需许可证':'');
-      stl.appendChild(o);
+  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
+      });
     });
-    stl.value=(list.indexOf(cur)>=0&&cur)?cur:(INDUSTRY_DEFAULT[type]||list[0]);
+    return out;
   }
-  if(stl){
-    renderIndustries();
-    // 搜索过滤 (行业多, 按名称子串过滤)
-    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==='') return;
-        o.hidden = !!(q && o.textContent.toLowerCase().indexOf(q)<0);
-      });
+  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:''));
+    paintQualSlot(); // 行业变化 → 资质槽显隐
   }
+  // 行业 → 特殊资质映射 (微信 qualifications: 对照表"特殊资质"列有值的行业, 选需资质行业必传许可证)
+  var QUAL_REQUIRED={
+    '餐饮':'食品经营许可证 / 餐饮服务许可证 (三选一, 或门头+店内+收银台三张照片)',
+    '食品生鲜':'食品经营许可证',
+    '私立/民营医院/诊所':'医疗机构执业许可证',
+    '保健器械/医疗器械/非处方药品':'药品经营许可证 / 医疗器械经营企业许可证',
+    '教育/培训/考试缴费/学费':'办学许可证',
+    '游艺厅/KTV/网吧':'娱乐场所经营许可证 / 网络文化经营许可证 (网吧)',
+    '院线影城':'电影放映经营许可证',
+    '演出赛事':'营业性演出许可证',
+    '机票/机票代理':'航空公司营业执照 或 代理资格证',
+    '宠物医院':'动物诊疗许可证',
+    '旅行社':'旅行社业务经营许可证',
+    '房地产/房产中介':'房地产五证 (建设用地规划/建设工程规划/施工/预售/产权)',
+    '文物经营/文物复制品销售':'文物经营许可证',
+    '拍卖典当':'拍卖经营批准证书 / 典当经营许可证',
+    '电信运营商/宽带收费':'基础电信业务经营许可证',
+    '共享服务':'对应行业经营许可/备案',
+    '保健美容SPA':'卫生许可证'
+  };
+  var _qualIndustry='';
+  // 选中需资质行业 → 第⑤卡动态出现"特殊资质 (必传)"上传槽 (复用上传槽双态机);
+  // 切回不需资质行业 → 槽隐藏且清空 (不留 media_id 污染)
+  function paintQualSlot(){
+    var wrap=document.getElementById('a_up_qual_wrap');
+    if(!wrap||!stl) return;
+    var ind=stl.value;
+    var doc=QUAL_REQUIRED[ind]||'';
+    if(!doc){
+      wrap.style.display='none';
+      if(_qualIndustry&&_aSlots.qual_media_id) _aSlots.qual_media_id.clear();
+      delete _aMedia.qual_media_id;
+      _qualIndustry='';
+      return;
+    }
+    wrap.style.display='';
+    if(_qualIndustry!==ind){
+      delete _aMedia.qual_media_id; // 换行业=换资质, 清旧 media
+      mountApplyUpload('a_up_qual','qual_media_id','特殊资质 (必传): '+doc);
+      _qualIndustry=ind;
+    }
+  }
+  if(stl){ stl.addEventListener('change',paintQualSlot); }
+  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 +1134,44 @@ async function restoreIdentity(){
   paintSettleRule();
   if(subj&&stl){
     subj.addEventListener('change',function(){
-      renderIndustries(); // 主体切换 → 行业选项集联动刷新 + 重选默认
+      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

@@ -624,7 +624,18 @@ function createOnboardRouter(deps) {
         SALES_SCENES_WEB: { fields: ["website_url"], media: [] },
         SALES_SCENES_MP: { fields: ["appid"], media: ["mp_media_id"] },
     };
-    const APPLY_MEDIA_COMMON = ["license_media_id", "legal_id_front_media_id", "legal_id_back_media_id"];
+    const APPLY_MEDIA_COMMON = ["license_media_id", "legal_id_front_media_id", "legal_id_back_media_id"];
+    // 行业 → 特殊资质映射 (微信 qualifications: 需资质行业缺证必被拒; 与页面 QUAL_REQUIRED 同口径)
+    const APPLY_QUAL_REQUIRED = {
+        "餐饮": "食品经营许可证/餐饮服务许可证", "食品生鲜": "食品经营许可证",
+        "私立/民营医院/诊所": "医疗机构执业许可证", "保健器械/医疗器械/非处方药品": "药品经营许可证/医疗器械经营企业许可证",
+        "教育/培训/考试缴费/学费": "办学许可证", "游艺厅/KTV/网吧": "娱乐场所经营许可证/网络文化经营许可证",
+        "院线影城": "电影放映经营许可证", "演出赛事": "营业性演出许可证",
+        "机票/机票代理": "航空公司营业执照或代理资格证", "宠物医院": "动物诊疗许可证",
+        "旅行社": "旅行社业务经营许可证", "房地产/房产中介": "房地产五证",
+        "文物经营/文物复制品销售": "文物经营许可证", "拍卖典当": "拍卖经营批准证书/典当经营许可证",
+        "电信运营商/宽带收费": "基础电信业务经营许可证", "共享服务": "对应行业经营许可/备案", "保健美容SPA": "卫生许可证",
+    };
 
     /** SP 网关配置 (懒读 env, 测试可注入 deps.fetcher) */
     function spGatewayUrl() {
@@ -796,6 +807,12 @@ CREATE TABLE IF NOT EXISTS onboard_draft (
                         return res.status(400).json({ ok: false, error: "invalid_param", field: k, message: `缺少必填字段: ${label} (${k})` });
                     }
                 }
+                // 需资质行业 → 特殊资质图片必传 (微信 qualifications, 缺证必被拒)
+                const qualNeed = APPLY_QUAL_REQUIRED[String(b.qualification_type || "")];
+                if (qualNeed && !b.qual_media_id) {
+                    return res.status(400).json({ ok: false, error: "media_missing", field: "qual_media_id",
+                        message: `请上传: ${b.qualification_type} 所需资质 (${qualNeed})` });
+                }
                 for (const k of APPLY_MEDIA_COMMON.concat(sceneCfg.media)) {
                     if (!b[k]) {
                         const label = APPLY_LABELS[k] || k;
@@ -814,11 +831,21 @@ CREATE TABLE IF NOT EXISTS onboard_draft (
                 for (const k of Object.keys(b)) {
                     if (typeof b[k] === "string" && b[k].trim()) payload[k] = b[k].trim();
                 }
-                payload.sales_scene = scene; // 场景必带 (SP 侧按它组装 biz_store_info/web_info/mp_info)
+                payload.sales_scene = scene; // 场景必带 (SP 侧按它组装 biz_store_info/web_info/mp_info)
+                // 特殊资质: qual_media_id → qualifications 数组 (没有则不传该字段)
+                if (payload.qual_media_id) {
+                    payload.qualifications = [payload.qual_media_id];
+                    delete payload.qual_media_id;
+                }
                 // 通用类目资质留空 → 默认 "无" (微信通用场景接受, 避免留空被 SP 拒)
                 // 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/routes/sp-applyment.js

@@ -260,6 +260,11 @@ function buildApplymentBody(form, enc, opts) {
     if (f.bank_name) body.bank_account_info.bank_name = String(f.bank_name);
     if (f.bank_branch_id) body.bank_account_info.bank_branch_id = String(f.bank_branch_id);
     if (f.bank_address_code) body.bank_account_info.bank_address_code = String(f.bank_address_code);
+    // 特殊资质图片数组 (微信 qualifications: 需资质行业必传, 最多 5 张; already_encrypted 直通)
+    if (Array.isArray(f.qualifications) && f.qualifications.length) {
+        body.qualifications = f.qualifications.map((x) => String(x)).filter(Boolean).slice(0, 5);
+        if (!body.qualifications.length) delete body.qualifications;
+    }
     return body;
 }
 

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: "零售批发/生活娱乐/其他", // 所属行业=中文行业名称 (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 +287,16 @@ 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)
-        // 2026-10-03 第三次字段修正: qualification_type = 中文行业名称 (封闭集合, 非 MCC)
-        assert.ok(html.includes("零售批发/生活娱乐/网上商城/其他"), "企业行业子项");
-        assert.ok(html.includes("零售批发/生活娱乐/其他") && html.includes("咨询/娱乐票务/其他"), "个体户/其他组织行业子项");
+        // 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("INDUSTRIES"), "主体联动选项集");
-        assert.ok(html.includes("a_settlement_filter"), "行业搜索过滤");
-        assert.ok(!html.includes("a_settlement_manual"), "行业手输框已删 (封闭集合不允许手输; 省市编码的 __MANUAL__ 保留)");
-        assert.ok(!/['"]5311['"]/.test(html) && !/['"]5722['"]/.test(html), "MCC 数字编码已清除");
+        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("所属行业"), "双字段标签");
@@ -364,14 +366,14 @@ test("字段语义最终修正: settlement_id=结算规则按主体推导 + qual
         // 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 = "零售批发/生活娱乐/其他";
+        form.qualification_type = "零售";
         r = await fetch(base + "/api/onboard/applyment", {
             method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify(form),
         });
         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, "零售批发/生活娱乐/其他", "所属行业=中文行业名称透传");
+        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(); }
 });
 
@@ -380,7 +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 = "零售批发/生活娱乐/网上商城/其他";
+        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", {
@@ -390,11 +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, "零售批发/生活娱乐/网上商城/其他", "所属行业=中文行业名称");
+        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, "零售批发/生活娱乐/网上商城/其他");
+        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(); }
 });
 
@@ -675,3 +685,52 @@ test("草稿页面逻辑: 自动保存/恢复优先级/FINISHED 清除/提交保
         assert.ok(html.indexOf("applyment/draft") < html.indexOf("form_snapshot") || html.includes("恢复优先级"), "草稿优先于快照");
     } finally { srv.close(); }
 });
+
+test("特殊资质: 餐饮无许可证 → 400 中文提示; 有证 → 转发体 qualifications 数组", async () => {
+    const { srv, base } = await startSeller();
+    try {
+        const form = await fillForm(base);
+        form.qualification_type = "餐饮"; // 需资质行业
+        // 无资质 → 400 中文提示含资质名
+        let r = await fetch(base + "/api/onboard/applyment", {
+            method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify(form),
+        });
+        let j = await r.json();
+        assert.strictEqual(r.status, 400);
+        assert.strictEqual(j.error, "media_missing");
+        assert.strictEqual(j.field, "qual_media_id");
+        assert.ok(j.message.includes("餐饮") && j.message.includes("食品经营"), j.message);
+        // 上传资质 → 转发体 qualifications=["media_id"], SP 侧顶层直通
+        const up = await fetch(base + "/api/onboard/applyment/upload", {
+            method: "POST", headers: { "Content-Type": "application/json" },
+            body: JSON.stringify({ filename: "qual.jpg", content_b64: Buffer.from("fake-qual").toString("base64") }),
+        });
+        form.qual_media_id = (await up.json()).media_id;
+        const before = spCapture.submits.length;
+        r = await fetch(base + "/api/onboard/applyment", {
+            method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify(form),
+        });
+        j = await r.json();
+        assert.strictEqual(r.status, 200, JSON.stringify(j));
+        const fwd = spCapture.submits[before];
+        assert.deepStrictEqual(fwd.qualifications, [form.qual_media_id], "qualifications 数组");
+        assert.ok(!("qual_media_id" in fwd), "中间字段已转换");
+        const wxBody = spApplymentLib.buildApplymentBody({ ...fwd, business_code: "TBTEST" }, (s) => s, { alreadyEncrypted: true });
+        assert.deepStrictEqual(wxBody.qualifications, [form.qual_media_id], "SP 顶层 qualifications 直通");
+    } finally { srv.close(); }
+});
+
+test("特殊资质页面逻辑: QUAL_REQUIRED 映射 + 动态槽位 + 双态复用", async () => {
+    const { srv, base } = await startSeller();
+    try {
+        const html = await (await fetch(base + "/onboard/")).text();
+        assert.ok(html.includes("QUAL_REQUIRED"), "行业-资质映射表");
+        assert.ok(html.includes("a_up_qual"), "资质槽位容器");
+        assert.ok(html.includes("paintQualSlot"), "槽位显隐逻辑");
+        assert.ok(html.includes("食品经营许可证"), "餐饮资质名");
+        assert.ok(html.includes("医疗机构执业许可证"), "医疗资质名");
+        assert.ok(html.includes("办学许可证"), "教育资质名");
+        assert.ok(html.includes("qual_media_id"), "资质 media_id 字段");
+        assert.ok(html.includes("特殊资质 (必传)"), "槽位必传标注");
+    } finally { srv.close(); }
+});