fix: 协议子资源单事务保存，并补齐样本编码/OA/质检等近期能力

锁定缴费校验失败时整单回滚，避免样本半成功落库；前端禁止删除锁定缴费样本，改码走更正编码。同步落地样本更正、采集微信通知、OA提及未读、细胞产品套餐与相关迁移文档。

Co-authored-by: Cursor <cursoragent@cursor.com>

web-admin/src/utils/protocol-sample-payment.test.ts

@@ -16,6 +16,8 @@ import {
   applyExpandRemainingToInstallment,
   availableSamplePayModes,
   samplePaymentHasConfirmedTransfer,
+  isSamplePaymentTransferLocked,
+  samplePaymentHasLockedTransfer,
   calcLastPeriodDueAmount,
   shouldAutoFillLastPeriodDue,
   applyLumpSumDeadlineToLastDueDate
@@ -231,6 +233,30 @@ describe('availableSamplePayModes', () => {
   })
 })
 
+describe('samplePaymentHasLockedTransfer', () => {
+  it('locks jfqrz / yjf / tfqrz / ytf like backend', () => {
+    for (const payStatus of ['jfqrz', 'yjf', 'tfqrz', 'ytf']) {
+      assert.equal(isSamplePaymentTransferLocked(payStatus), true)
+      assert.equal(
+        samplePaymentHasLockedTransfer({
+          schedules: [{ transfers: [{ payStatus }] }]
+        }),
+        true
+      )
+    }
+  })
+  it('dfj / empty are not locked', () => {
+    assert.equal(isSamplePaymentTransferLocked('dfj'), false)
+    assert.equal(isSamplePaymentTransferLocked(''), false)
+    assert.equal(
+      samplePaymentHasLockedTransfer({
+        schedules: [{ transfers: [{ payStatus: 'dfj' }] }]
+      }),
+      false
+    )
+  })
+})
+
 describe('applyConsolidateRemainingToPayment', () => {
   it('fq→dj keeps paid and consolidates remaining', () => {
     const next = applyConsolidateRemainingToPayment(