fix: imageType精简为jpg/pdf二选一，MIME改为标准值image/jpeg而非image/jpg

java/src/main/java/com/payment/platform/module/payment/account/service/AlipayTransferService.java

@@ -229,9 +229,10 @@ public class AlipayTransferService {
             AlipayFundExpandindirectImageUploadRequest request = new AlipayFundExpandindirectImageUploadRequest();
             request.setProductCode(ONBOARD_PRODUCT_CODE);
             request.setBizScene(ONBOARD_BIZ_SCENE);
-            String replace = ext.replace(".", "");
-            request.setImageType(replace);
-            String mimeType = ext.equals(".pdf") ? "application/pdf" : ("image/" + replace);
+            String imageType = ext.equals(".pdf") ? "pdf" : "jpg";  // Alipay只接受 jpg 或 pdf
+            request.setImageType(imageType);
+            String mimeType = ext.equals(".pdf") ? "application/pdf"
+                    : ext.equals(".png") ? "image/png" : "image/jpeg";
             FileItem fileItem = new FileItem(fileName, fileBytes, mimeType);
             request.setImageContent(fileItem);
             AlipayFundExpandindirectImageUploadResponse response =

logs/payment-platform.log

@@ -1821,3 +1821,33 @@ Caused by: java.io.EOFException: null
 2026-07-15 14:35:30.994 [main] INFO  c.p.platform.PaymentApplication - Started PaymentApplication in 6.175 seconds (process running for 6.886)
 2026-07-15 14:35:33.009 [main] INFO  c.p.p.core.config.AppStartupRunner - 系统配置缓存初始化完成
 2026-07-15 14:35:34.191 [main] INFO  c.p.p.core.config.AppStartupRunner - 数据字典缓存初始化完成 (10 个字典类型)
+2026-07-15 14:36:16.982 [background-preinit] INFO  o.h.validator.internal.util.Version - HV000001: Hibernate Validator 8.0.1.Final
+2026-07-15 14:36:17.045 [main] INFO  c.p.platform.PaymentApplication - Starting PaymentApplication using Java 21.0.11 with PID 41056 (D:\project2\payment-platform\java\target\classes started by 1 in D:\project2\payment-platform)
+2026-07-15 14:36:17.045 [main] INFO  c.p.platform.PaymentApplication - The following 1 profile is active: "dev"
+2026-07-15 14:36:17.920 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Multiple Spring Data modules found, entering strict repository configuration mode
+2026-07-15 14:36:17.922 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Bootstrapping Spring Data Redis repositories in DEFAULT mode.
+2026-07-15 14:36:17.974 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Finished Spring Data repository scanning in 40 ms. Found 0 Redis repository interfaces.
+2026-07-15 14:36:18.535 [main] INFO  o.s.b.w.e.tomcat.TomcatWebServer - Tomcat initialized with port 8001 (http)
+2026-07-15 14:36:18.543 [main] INFO  o.a.coyote.http11.Http11NioProtocol - Initializing ProtocolHandler ["http-nio-8001"]
+2026-07-15 14:36:18.544 [main] INFO  o.a.catalina.core.StandardService - Starting service [Tomcat]
+2026-07-15 14:36:18.544 [main] INFO  o.a.catalina.core.StandardEngine - Starting Servlet engine: [Apache Tomcat/10.1.20]
+2026-07-15 14:36:18.587 [main] INFO  o.a.c.c.C.[.[localhost].[/api/v1] - Initializing Spring embedded WebApplicationContext
+2026-07-15 14:36:18.587 [main] INFO  o.s.b.w.s.c.ServletWebServerApplicationContext - Root WebApplicationContext: initialization completed in 1394 ms
+2026-07-15 14:36:18.612 [main] INFO  c.a.d.s.b.a.DruidDataSourceAutoConfigure - Init DruidDataSource
+2026-07-15 14:36:20.097 [main] INFO  c.alibaba.druid.pool.DruidDataSource - {dataSource-1} inited
+2026-07-15 14:36:20.809 [main] WARN  c.p.p.c.alipay.AlipayClientFactory - 支付宝默认配置不完整，将仅使用服务商/租户专属客户端
+2026-07-15 14:36:20.952 [main] INFO  c.p.platform.core.oss.OssService - OSS client initialized: bucket=hunanxiaojunzioss, endpoint=oss-cn-beijing.aliyuncs.com
+2026-07-15 14:36:21.249 [main] INFO  c.p.p.m.p.e.s.EnterpriseNameSyncScheduler - [企业名称同步] 调度器启动
+2026-07-15 14:36:21.495 [main] INFO  c.p.p.m.p.n.s.NotificationService - 已注册 7 个通知处理器: [AccountHandler, BillHandler, EmployeeHandler, EnterpriseHandler, InstitutionHandler, OrderHandler, VoucherHandler]
+2026-07-15 14:36:21.992 [main] INFO  o.s.s.web.DefaultSecurityFilterChain - Will secure any request with [org.springframework.security.web.session.DisableEncodeUrlFilter@53570fff, org.springframework.security.web.context.request.async.WebAsyncManagerIntegrationFilter@6e5df971, org.springframework.security.web.context.SecurityContextHolderFilter@1964ef9, org.springframework.security.web.header.HeaderWriterFilter@58a0f75b, org.springframework.web.filter.CorsFilter@3c7787a7, org.springframework.security.web.authentication.logout.LogoutFilter@2709e075, com.payment.platform.core.security.JwtAuthFilter@41d84abb, com.payment.platform.core.security.TenantApiKeyAuthFilter@3bf40c74, org.springframework.security.web.savedrequest.RequestCacheAwareFilter@3891db3a, org.springframework.security.web.servletapi.SecurityContextHolderAwareRequestFilter@4a778943, org.springframework.security.web.authentication.AnonymousAuthenticationFilter@2ca464bb, org.springframework.security.web.session.SessionManagementFilter@1b84d03d, org.springframework.security.web.access.ExceptionTranslationFilter@491f3fb0, org.springframework.security.web.access.intercept.AuthorizationFilter@6c2a33af]
+2026-07-15 14:36:22.378 [main] INFO  o.a.coyote.http11.Http11NioProtocol - Starting ProtocolHandler ["http-nio-8001"]
+2026-07-15 14:36:22.388 [main] INFO  o.s.b.w.e.tomcat.TomcatWebServer - Tomcat started on port 8001 (http) with context path '/api/v1'
+2026-07-15 14:36:22.474 [main] INFO  c.p.platform.PaymentApplication - Started PaymentApplication in 5.958 seconds (process running for 6.567)
+2026-07-15 14:36:24.570 [main] INFO  c.p.p.core.config.AppStartupRunner - 系统配置缓存初始化完成
+2026-07-15 14:36:26.488 [main] INFO  c.p.p.core.config.AppStartupRunner - 数据字典缓存初始化完成 (10 个字典类型)
+2026-07-15 14:36:36.342 [tomcat-handler-0] INFO  o.a.c.c.C.[.[localhost].[/api/v1] - Initializing Spring DispatcherServlet 'dispatcherServlet'
+2026-07-15 14:36:36.342 [tomcat-handler-0] INFO  o.s.web.servlet.DispatcherServlet - Initializing Servlet 'dispatcherServlet'
+2026-07-15 14:36:36.343 [tomcat-handler-0] INFO  o.s.web.servlet.DispatcherServlet - Completed initialization in 1 ms
+2026-07-15 14:36:39.461 [tomcat-handler-0] INFO  c.p.p.c.alipay.AlipayClientFactory - 服务商[3]客户端创建成功, appId=2021006160682088, name=跨境服务商
+2026-07-15 14:36:40.465 [tomcat-handler-0] INFO  sdk.biz.info - Summary^_^10000^_^null^_^ProtocalMustParams:charset=UTF-8&method=alipay.fund.expandindirect.image.upload&sign=H2lZbzzpEBKO2IOnxIoFxiRBsyNR+2GXVHjn3z/rgmdO2ZzH/eV++iPnzJPGNXNILlQHE9aL4M52whodpm7qTRx2vqLgYRu3GSR+dStORkYR91V7+jnBX0jjbK1z1ewL8s+ONtCJfXLIOvmQf/fn6TckNccVegop6ViilU+pjXALcGQ5NAPVtj8gReRp/MGu7EL/CdJDzGhJIE3XXGKxILHuugi90MChk6oLxu1vdSChiIrknWlSuj+zPmyKQfmzQZH1YMdXLC+iF+880SGviKLgWYhOR5rMsyNQd4iGIdK1yOUSOCrg150WarjD2rfxJEOsFbBb6j6XsneB2xHdrg==&version=1.0&app_id=2021006160682088&sign_type=RSA2&timestamp=2026-07-15 14:36:39^_^ProtocalOptParams:alipay_sdk=alipay-sdk-java-4.40.865.ALL&format=JSON^_^ApplicationParams:traceId=21d59c6217840974000914742e1126&product_code=MERCHANT_TRANSFER_EXPAND_INDIRECT&biz_scene=ENTRUST_SATF_TRANSFER&image_type=png^_^31ms,953ms,19ms^_^trace_id:21d59c6217840974000914742e1126
+2026-07-15 14:38:16.080 [tomcat-handler-7] INFO  sdk.biz.info - Summary^_^10000^_^null^_^ProtocalMustParams:charset=UTF-8&method=alipay.fund.expandindirect.image.upload&sign=ZRW8JLn9MFWtr9tSafxOFVMt6TBahJxrdg2tp4ORy2OPdQvaP6jB7gl1cHYeiRmNQy8s03856MSsyOqOYbPhuFX3cBgpqHaqGuDRRJDc15Tj6xwHZpumJH+YLgWL7QYA9j2mPnFPiVys4CpzaaseQjzVKzUmq70ct3eXeM0VptP2d2bJ4vLhAnOZbosGqcnmHuShk7b0tDcRDkwlxhmS3E0TjbQN88ejq0Flo+ySE8pHpzJg0uB/7kSiXAkLlvYR1LmCtcfLHm3PiJZvRmkxjkEytSAlOevYUOZ0RiCuSJAiQLAmlyvMazFT4eoAfOgi1hzL4+zc+KefVfq2A5FCiA==&version=1.0&app_id=2021006160682088&sign_type=RSA2&timestamp=2026-07-15 14:38:15^_^ProtocalOptParams:alipay_sdk=alipay-sdk-java-4.40.865.ALL&format=JSON^_^ApplicationParams:traceId=218a0f9f17840974956398387e4b10&product_code=MERCHANT_TRANSFER_EXPAND_INDIRECT&biz_scene=ENTRUST_SATF_TRANSFER&image_type=png^_^9ms,857ms,10ms^_^trace_id:218a0f9f17840974956398387e4b10