feat: add presign transfer withdraw API for jfqrz.

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

backend/tests/test_presign_order.py

@@ -96,5 +96,52 @@ class TestProtocolDepositAssociation(unittest.TestCase):
         )
 
 
+class TestPresignWithdrawReceipt(unittest.TestCase):
+    def test_withdraw_sets_dfj_keeps_finance_remark(self):
+        from types import SimpleNamespace
+        from unittest.mock import MagicMock
+        from app.crud import presign_order as po
+
+        t = SimpleNamespace(
+            id="t1",
+            pay_status="jfqrz",
+            finance_remark="keep-me",
+            finance_confirm_attachments="http://x",
+            update_by=None,
+            update_time=None,
+        )
+        db = MagicMock()
+        orig = po._get_transfer_or_raise
+        po._get_transfer_or_raise = lambda *a, **k: t
+        try:
+            out = po.withdraw_receipt(
+                db, transfer_id="t1", tenant_no="zkxw", user_id="u1"
+            )
+            self.assertEqual(out.pay_status, "dfj")
+            self.assertEqual(out.finance_remark, "keep-me")
+            self.assertEqual(out.finance_confirm_attachments, "http://x")
+            db.commit.assert_called()
+        finally:
+            po._get_transfer_or_raise = orig
+
+    def test_withdraw_rejects_non_jfqrz(self):
+        from types import SimpleNamespace
+        from unittest.mock import MagicMock
+        from app.crud import presign_order as po
+
+        t = SimpleNamespace(id="t1", pay_status="yjf", finance_remark="x")
+        db = MagicMock()
+        orig = po._get_transfer_or_raise
+        po._get_transfer_or_raise = lambda *a, **k: t
+        try:
+            with self.assertRaises(ValueError) as ctx:
+                po.withdraw_receipt(
+                    db, transfer_id="t1", tenant_no="zkxw", user_id="u1"
+                )
+            self.assertIn("撤回", str(ctx.exception))
+        finally:
+            po._get_transfer_or_raise = orig
+
+
 if __name__ == "__main__":
     unittest.main()