fix: retryDealingTransfers 退避累计多一个间隔 + status覆盖

- 退避循环 off-by-one: i < retryCount+2 → i <= retryCount
- syncTransferDetail已更新status后，改用patch对象只写retryCount/nextRetryAt，避免全字段updateById覆盖SUCCESS/FAIL

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

@@ -492,10 +492,13 @@ public class AlipayTransferService {
                 try {
                     String syncResult = syncTransferDetail(outBizNo, enterpriseId, orderNo);
                     if (syncResult != null) {
-                        // SUCCESS 或 FAIL 已由 syncTransferDetail 更新
-                        transfer.setRetryCount(4);
-                        transfer.setNextRetryAt(null);
-                        transferMapper.updateById(transfer);
+                        // SUCCESS 或 FAIL 已由 syncTransferDetail 更新DB
+                        // 只更新 retryCount/nextRetryAt，避免全字段 updateById 覆盖 syncTransferDetail 写入的 status
+                        TransferEntity patch = new TransferEntity();
+                        patch.setId(transfer.getId());
+                        patch.setRetryCount(4);
+                        patch.setNextRetryAt(null);
+                        transferMapper.updateById(patch);
                         log.info("[重试任务] out_biz_no={}, retry={}/4, result={}, 已更新",
                                 outBizNo, retryCount + 1, syncResult);
                         processed++;
@@ -514,7 +517,7 @@ public class AlipayTransferService {
 
                         if (retryCount < maxRetries) {
                             int accumulated = 0;
-                            for (int i = 0; i < retryCount + 2 && i < RETRY_INTERVALS.length; i++) {
+                            for (int i = 0; i <= retryCount && i < RETRY_INTERVALS.length; i++) {
                                 accumulated += RETRY_INTERVALS[i];
                             }
                             transfer.setRetryCount(retryCount + 1);