fix: account_type空值时兜底为2而非过滤掉

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

@@ -554,6 +554,10 @@ public class AlipayTransferService {
                 Class<?> bceClass = bce.getClass();
                 for (var entry : bankcardInfo.entrySet()) {
                     Object val = entry.getValue();
+                    // account_type 为必填项，空值时兜底为 "2"(个人账户)
+                    if ("account_type".equals(entry.getKey())
+                            && (val == null || (val instanceof String s && s.isBlank())))
+                        val = "2";
                     if (val == null || (val instanceof String s && s.isBlank())) continue;
                     String setter = "set" + Character.toUpperCase(entry.getKey().charAt(0))
                             + entry.getKey().substring(1);