fix: transfer_scene_report_infos按场景自动填写

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

@@ -563,9 +563,21 @@ public class AlipayTransferService {
             }
             model.setPayeeInfo(payee);
 
-            // 转账场景（按需传入，默认佣金报酬）
-            model.setTransferSceneName(dto.getTransferSceneName() != null
-                    ? dto.getTransferSceneName() : "佣金报酬");
+            // 转账场景 + 场景信息
+            String sceneName = dto.getTransferSceneName() != null
+                    ? dto.getTransferSceneName() : "佣金报酬";
+            model.setTransferSceneName(sceneName);
+            var sceneReportInfos = new java.util.ArrayList<com.alipay.api.domain.TransferSceneReportInfo>();
+            com.alipay.api.domain.TransferSceneReportInfo info = new com.alipay.api.domain.TransferSceneReportInfo();
+            info.setInfoType(switch (sceneName) {
+                case "佣金报酬" -> "佣金报酬说明";
+                case "业务结算" -> "结算款项说明";
+                case "二手回收" -> "回收商品说明";
+                default -> "佣金报酬说明";
+            });
+            info.setInfoContent(orderTitle != null ? orderTitle : "转账");
+            sceneReportInfos.add(info);
+            model.setTransferSceneReportInfos(sceneReportInfos);
 
             // 选填: 转账场景信息（通过 businessParams JSON 透传）
             if (extInfo != null && (extInfo.containsKey("transfer_scene_name")