fix: transferSceneName默认佣金报酬，SDK4.40已有该字段

java/src/main/java/com/payment/platform/module/payment/account/dto/TransferCreateDTO.java

@@ -58,6 +58,9 @@ public class TransferCreateDTO {
     @Schema(description = "租户ID（内部使用，由 Controller 从认证上下文注入，对应 Python auth.tenant_id）")
     private Long tenantId;
 
+    @Schema(description = "转账场景名称")
+    private String transferSceneName;
+
     @AssertTrue(message = "收款方信息不完整：identity_type 和 name 为必填项")
     public boolean isPayeeInfoValid() {
         if (payeeInfo == null) return false;

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

@@ -563,6 +563,10 @@ 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");
+
             // 选填: 转账场景信息（通过 businessParams JSON 透传）
             if (extInfo != null && (extInfo.containsKey("transfer_scene_name")
                     || extInfo.containsKey("transfer_scene_report_infos"))) {

logs/payment-platform.log

@@ -849,3 +849,27 @@ org.apache.ibatis.binding.BindingException: Invalid bound statement (not found):
 	at java.base/java.lang.VirtualThread.run(VirtualThread.java:329)
 2026-07-17 20:49:36.901 [SpringApplicationShutdownHook] INFO  c.alibaba.druid.pool.DruidDataSource - {dataSource-1} closing ...
 2026-07-17 20:49:36.903 [SpringApplicationShutdownHook] INFO  c.alibaba.druid.pool.DruidDataSource - {dataSource-1} closed
+2026-07-17 20:49:40.944 [background-preinit] INFO  o.h.validator.internal.util.Version - HV000001: Hibernate Validator 8.0.1.Final
+2026-07-17 20:49:41.007 [main] INFO  c.p.platform.PaymentApplication - Starting PaymentApplication using Java 21.0.11 with PID 42688 (D:\project2\payment-platform\java\target\classes started by 1 in D:\project2\payment-platform)
+2026-07-17 20:49:41.008 [main] INFO  c.p.platform.PaymentApplication - The following 1 profile is active: "dev"
+2026-07-17 20:49:41.857 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Multiple Spring Data modules found, entering strict repository configuration mode
+2026-07-17 20:49:41.858 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Bootstrapping Spring Data Redis repositories in DEFAULT mode.
+2026-07-17 20:49:41.906 [main] INFO  o.s.d.r.c.RepositoryConfigurationDelegate - Finished Spring Data repository scanning in 37 ms. Found 0 Redis repository interfaces.
+2026-07-17 20:49:42.459 [main] INFO  o.s.b.w.e.tomcat.TomcatWebServer - Tomcat initialized with port 8001 (http)
+2026-07-17 20:49:42.469 [main] INFO  o.a.coyote.http11.Http11NioProtocol - Initializing ProtocolHandler ["http-nio-8001"]
+2026-07-17 20:49:42.470 [main] INFO  o.a.catalina.core.StandardService - Starting service [Tomcat]
+2026-07-17 20:49:42.471 [main] INFO  o.a.catalina.core.StandardEngine - Starting Servlet engine: [Apache Tomcat/10.1.20]
+2026-07-17 20:49:42.521 [main] INFO  o.a.c.c.C.[.[localhost].[/api/v1] - Initializing Spring embedded WebApplicationContext
+2026-07-17 20:49:42.521 [main] INFO  o.s.b.w.s.c.ServletWebServerApplicationContext - Root WebApplicationContext: initialization completed in 1374 ms
+2026-07-17 20:49:42.561 [main] INFO  c.a.d.s.b.a.DruidDataSourceAutoConfigure - Init DruidDataSource
+2026-07-17 20:49:44.020 [main] INFO  c.alibaba.druid.pool.DruidDataSource - {dataSource-1} inited
+2026-07-17 20:49:44.820 [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
+2026-07-17 20:49:45.014 [main] INFO  c.p.platform.core.oss.OssService - OSS client initialized: bucket=hunanxiaojunzioss, endpoint=oss-cn-beijing.aliyuncs.com
+2026-07-17 20:49:45.426 [main] INFO  c.p.p.m.p.e.s.EnterpriseNameSyncScheduler - [企业名称同步] 调度器启动
+2026-07-17 20:49:45.725 [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]
+2026-07-17 20:49:46.298 [main] INFO  o.s.s.web.DefaultSecurityFilterChain - Will secure any request with [org.springframework.security.web.session.DisableEncodeUrlFilter@2db75e32, org.springframework.security.web.context.request.async.WebAsyncManagerIntegrationFilter@1f2d0ca2, org.springframework.security.web.context.SecurityContextHolderFilter@4f63909f, org.springframework.security.web.header.HeaderWriterFilter@642b71d6, org.springframework.web.filter.CorsFilter@e353e1d, org.springframework.security.web.authentication.logout.LogoutFilter@294b045b, com.payment.platform.core.security.JwtAuthFilter@5aa334c, com.payment.platform.core.security.TenantApiKeyAuthFilter@1896299b, org.springframework.security.web.savedrequest.RequestCacheAwareFilter@679886ad, org.springframework.security.web.servletapi.SecurityContextHolderAwareRequestFilter@5625e7e1, org.springframework.security.web.authentication.AnonymousAuthenticationFilter@1a1c308b, org.springframework.security.web.session.SessionManagementFilter@7e916dc2, org.springframework.security.web.access.ExceptionTranslationFilter@3358805a, org.springframework.security.web.access.intercept.AuthorizationFilter@796a7c9]
+2026-07-17 20:49:46.721 [main] INFO  o.a.coyote.http11.Http11NioProtocol - Starting ProtocolHandler ["http-nio-8001"]
+2026-07-17 20:49:46.734 [main] INFO  o.s.b.w.e.tomcat.TomcatWebServer - Tomcat started on port 8001 (http) with context path '/api/v1'
+2026-07-17 20:49:46.857 [main] INFO  c.p.platform.PaymentApplication - Started PaymentApplication in 6.347 seconds (process running for 6.933)
+2026-07-17 20:49:48.073 [main] INFO  c.p.p.core.config.AppStartupRunner - 系统配置缓存初始化完成
+2026-07-17 20:49:48.726 [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)