fix：TRANSFER类型处理FAIL结果

backend/app/plugin/module_payment/notification/handlers/bill_handler.py

@@ -39,12 +39,20 @@ class BillHandler(BaseHandler[dict]):
             return False
 
     async def _process_bill(self, data: ConsumeChangeContent, auth: AuthSchema) -> bool:
-        """处理账单"""
+        """处理账单变动通知
+
+        支付宝文档: alipay.commerce.ec.consume.change.notify
+        consume_type 标准枚举: CONSUME(消费), REFUND(退款)
+        notify_reason 标准枚举: COLLECT(归集), SUMMARY_SUCCESS(汇总成功), ORDER_COMPLETE(完结)
+
+        注: TRANSFER(转账) 为支付宝企业码扩展值，不在标准文档枚举中
+        """
         log.info(
             f"账单变动: pay_no={data.pay_no}, "
             f"enterprise_id={data.enterprise_id}, "
             f"consume_amount={data.consume_amount}, "
-            f"consume_type={data.consume_type}"
+            f"consume_type={data.consume_type}, "
+            f"notify_reason={data.notify_reason}"
         )
 
         # 1. 保存账单基础数据
@@ -61,13 +69,40 @@ class BillHandler(BaseHandler[dict]):
         # if detail:
         #     await self._save_bill_detail(detail, auth)
 
-        # 处理转账类型
-        if data.consume_type == "TRANSFER":
+        # ========== 标准消费通知 ==========
+        if data.consume_type == "CONSUME":
+            log.info(f"消费账单通知: pay_no={data.pay_no}, amount={data.consume_amount}, reason={data.notify_reason}")
+
+        elif data.consume_type == "REFUND":
+            log.info(
+                f"退款账单通知: pay_no={data.pay_no}, "
+                f"related_pay_no={data.related_pay_no}, "
+                f"amount={data.consume_amount}"
+            )
+
+        # ========== 转账通知（企业码扩展） ==========
+        elif data.consume_type == "TRANSFER":
+            from app.plugin.module_payment.account.enums import TransferStatusEnum
+
+            reason = (data.notify_reason or "").upper()
+            if "SUCCESS" in reason:
+                status = TransferStatusEnum.SUCCESS.value
+            elif "FAIL" in reason:
+                status = TransferStatusEnum.FAIL.value
+            else:
+                status = TransferStatusEnum.DEALING.value
+                log.warning(f"转账状态无法判断: pay_no={data.pay_no}, notify_reason={data.notify_reason}")
+
             await AccountService.update_transfer_status_service(
-                auth, data.pay_no, "SUCCESS", data.model_dump(exclude_none=True)
+                auth, data.pay_no, status, data.model_dump(exclude_none=True)
             )
+
+            # 无论成功/失败都回调商户，告知最终结果
             await OpenTransferService.open_return_service(auth, data.pay_no)
-        
+
+        else:
+            log.info(f"未知账单类型: consume_type={data.consume_type}, pay_no={data.pay_no}")
+
         return True
 
     async def _save_bill_base(self, data: ConsumeChangeContent, auth: AuthSchema) -> None: