fix(backend): 协议列表从 V2 样本缴费补齐已收金额

自存表导出依赖 paymentSummary.receivedAmount，原先仅汇总 V1
biz_protocol_payment；现对 include_sample_payment_modes 路径补齐
合同额、已收、分期明细与退费，避免已缴/退款列为空。

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

.agents/skills/personal-dev/SKILL.md

@@ -19,7 +19,7 @@ description: Use when starting a project, designing or prototyping project UI, i
 | 任务 | 读取 |
 | --- | --- |
 | 工单领取、并行会话、流程标签、转交、共享环境或合并排队 | [工单占用与隔离](references/issue-claims.md) |
-| 发送确认问题、请求用户操作、补发缺推荐或缺超时说明的旧题 | 先按[问题展示](references/planning.md#问题展示)在当前回复写出「待你确认」，完成[发问前检查](references/planning.md#发问前检查)后，再按[本地确认语音](references/question-notification.md)提醒 |
+| 发送确认问题、请求用户操作、补发缺推荐或缺超时说明的旧题 | 先按[问题展示](references/planning.md#问题展示)与 Cursor 宿主节在当前回复写出「待你确认」，完成[发问前检查](references/planning.md#发问前检查)后，再按[本地确认语音](references/question-notification.md)提醒；Cursor 下 `notify-question` 须为本轮最后一次工具且发问后停手 |
 | 关闭/恢复声音提醒 | [本地确认语音](references/question-notification.md) |
 | 空白工程、大需求、技术栈或架构变化 | [建设与规格](references/planning.md) |
 | 拉取工单、理解评论和截图、续接工单或交付前核对补充 | [工单全文、评论与图片](references/issue-context.md) |

.agents/skills/personal-dev/references/planning.md

@@ -43,6 +43,14 @@
 
 必须等待的题，最后一行写「未回复时：本题保持等待。」宿主问题卡片可以同时使用，卡片内容与这份清单一致。回复正文里没有「待你确认」时，不播放提示音，也不开始 60 秒计时。
 
+### Cursor / 工具先于正文的宿主
+
+Cursor Agent 等同轮「先跑工具、再出最终回复」的宿主上：
+
+1. 需要播音时，`notify-question` 只能作为本轮**最后一次**工具调用；最终可见回复必须以「待你确认」开头写全清单，本轮随后不得再编辑代码、开浏览器或继续依赖答复的实现。
+2. 承认提示音可能早于正文渲染数秒；用清单内一句「请在本会话回复；Queued 不是确认入口」消除错位。提示音整机可听，不保证当前聚焦会话就是发问会话。
+3. 工程若提供宿主适配说明（如 `docs/agents/cursor-question-visibility.md`），发问前按该说明执行；与本节冲突时以「用户必须看见清单」为准。
+
 ## 发问前检查
 
 每次发送确认问题（含调用宿主提问工具）前，逐题完成以下检查；缺项先改题，再按[问题展示](#问题展示)写入当前回复。这里是 Agent 的执行步骤，尚无自动拦截宿主问题卡片的校验器。

.agents/skills/personal-dev/references/question-notification.md

@@ -6,7 +6,8 @@
 
 1. 先核对用户/工程的静音选择。当前回复已经写上「待你确认」清单后，记录该批问题的发送时间、推荐及范围，再播放。回复里还没有这份清单时不播放，也不把这一轮当作已经发问。
 2. 每批问题只播放一次，多题合并发送共用一次提醒。将“已尝试提醒/结果”记在现有任务记录；同一批等待、轮询、重试和会话恢复不重复播放。真正重新提出的新问题或用户要求再提醒时才播放下一次。
-3. 执行以下已安装入口。它只读取随包预生成的本地 WAV，并调用播放器；不联网、不调用语音生成服务、不在提问时临时生成语音。命令最多等待播放器 12 秒，不另开后台常驻进程。
+3. **Cursor 等「工具先于最终正文」的宿主**：不得在仍要继续工具批处理时播放。需要播放时，将 `notify-question` 放在本轮最后一次工具调用，并保证同轮最终正文以「待你确认」清单为主体且本轮停手。提示音在整机播放、不绑定聊天标签；Queued/Multitasking 队列不是确认入口。工程适配见 `docs/agents/cursor-question-visibility.md`（若存在）。
+4. 执行以下已安装入口。它只读取随包预生成的本地 WAV，并调用播放器；不联网、不调用语音生成服务、不在提问时临时生成语音。命令最多等待播放器 12 秒，不另开后台常驻进程。
 
 ```sh
 python3 .agents/skills/personal-dev/scripts/pda.py notify-question --project .

.cursor/rules/personal-dev.mdc

@@ -1,8 +1,14 @@
 ---
-description: 个人开发体系的工程任务入口
+description: 个人开发体系的工程任务入口（含 Cursor 确认可见性）
 alwaysApply: true
 ---
 
-工程建设、界面设计或原型、需求开发、Bug 修复、验收反馈或提交/push/合并续聊时，先读根 AGENTS.md，再读取工程根目录的 .agents/skills/personal-dev/SKILL.md 进行任务分级。仅咨询概念时直接回答。业务约束仍按目标目录的 AGENTS.md 查阅。
+工程建设、界面设计或原型、需求开发、Bug 修复、验收反馈或提交/push/合并续聊时，先读根 `AGENTS.md`，再读取工程根目录的 `.agents/skills/personal-dev/SKILL.md` 进行任务分级。仅咨询概念时直接回答。业务约束仍按目标目录的 `AGENTS.md` 查阅。
 
-需要用户确认时，先在当前回复写出「待你确认」清单，再播放提示音。清单的写法以该 Skill 的问题展示规则为准。回复里没有这份清单时，不播放提示音。
+需要用户确认时：
+
+1. 先读 [Cursor 确认可见性](../../docs/agents/cursor-question-visibility.md)，再按 Skill 的问题展示规则发问。
+2. 本轮最终用户可见回复必须以「待你确认」清单为主体（含推荐与未回复处理）；写完清单前不播放提示音。
+3. 若播放提示音：`notify-question` 必须是本轮最后一次工具调用，且本轮随后不再继续编辑/浏览器/实现类工具。
+4. 清单中写明请在本会话回复；底部 Queued / Multitasking 不是确认入口。
+5. 回复正文没有「待你确认」时，不播放提示音。

backend/app/crud/presign_order.py

@@ -576,12 +576,14 @@ def attach_presign_ledger_fields(
         }
     times_by_order: Dict[str, List[str]] = {}
     if order_ids:
+        # 与 confirmedDepositAmount 一致：仅已确认到账（yjf）计入刷卡时间
         transfers = (
             db.query(BizPresignTransfer)
             .filter(
                 BizPresignTransfer.presign_order_id.in_(order_ids),
                 BizPresignTransfer.tenant_no == tenant_no,
                 BizPresignTransfer.del_flag == 0,
+                BizPresignTransfer.pay_status == "yjf",
             )
             .order_by(
                 BizPresignTransfer.transfer_time.asc(),

backend/app/services/qc_work_order_fee_summary.py

@@ -14,6 +14,7 @@ from app.models.models import (
     BizProtocolPaymentDetail,
     BizProtocolPaymentSchedule,
     BizProtocolPaymentTransfer,
+    BizProtocolRefundRecord,
     BizProtocolSamplePayment,
 )
 
@@ -229,6 +230,197 @@ def _first_period_first_transfer_times(
     return {pid: _fmt_dt(t) for pid, t in earliest.items() if _fmt_dt(t)}
 
 
+def _received_amount_from_transfers(transfers: List[BizProtocolPaymentTransfer]) -> float:
+    total = Decimal("0")
+    for t in transfers:
+        st = (t.pay_status or "").strip()
+        if st in ("yjf", "jfqrz"):
+            total += t.transfer_amount or Decimal("0")
+    return float(total)
+
+
+def _v2_schedule_detail_rows(
+    schedules: List[BizProtocolPaymentSchedule],
+    transfers: List[BizProtocolPaymentTransfer],
+    pay_mode: str,
+) -> List[Dict[str, Any]]:
+    by_schedule: Dict[str, List[BizProtocolPaymentTransfer]] = {}
+    for t in transfers:
+        sid = (t.schedule_id or "").strip()
+        if sid:
+            by_schedule.setdefault(sid, []).append(t)
+    active = [
+        s
+        for s in schedules
+        if (s.schedule_status or "").strip() != "void"
+    ]
+    active.sort(
+        key=lambda s: (
+            s.schedule_no if s.schedule_no is not None else 10_000,
+            s.order_num if s.order_num is not None else 0,
+            s.create_time or datetime.min,
+        )
+    )
+    rows: List[Dict[str, Any]] = []
+    for idx, sch in enumerate(active):
+        sch_transfers = by_schedule.get(sch.id, [])
+        paid = [
+            t
+            for t in sch_transfers
+            if (t.pay_status or "").strip() in ("yjf", "jfqrz")
+        ]
+        paid_amount = _received_amount_from_transfers(paid) if paid else None
+        statuses = [(t.pay_status or "").strip() for t in sch_transfers if (t.pay_status or "").strip()]
+        if "jfqrz" in statuses:
+            st = "jfqrz"
+        elif "yjf" in statuses and paid:
+            st = "yjf"
+        elif statuses:
+            st = statuses[0]
+        else:
+            st = "dfj"
+        times = [t.transfer_time for t in paid if t.transfer_time is not None]
+        transfer_time = _fmt_dt(min(times)) if times else ""
+        inst_no = sch.schedule_no
+        if pay_mode in ("fq", "djfq") and inst_no is not None:
+            label = f"第{inst_no}期"
+        else:
+            label = f"缴费{idx + 1}"
+        rows.append(
+            {
+                "installmentNo": inst_no,
+                "installmentLabel": label,
+                "installmentDueDate": _fmt_ymd(sch.due_date),
+                "dueAmount": _dec(sch.due_amount),
+                "transferAmount": paid_amount,
+                "refundAmount": None,
+                "payStatus": st,
+                "payStatusLabel": _PAY_STATUS_LABELS.get(st, st or "—"),
+                "transferTime": transfer_time,
+            }
+        )
+    return rows
+
+
+def _load_v2_protocol_payment_amounts(
+    db: Session,
+    protocol_ids: List[str],
+    tenant_no: str,
+) -> Dict[str, Dict[str, Any]]:
+    """按协议汇总 V2 样本缴费合同额、已收、明细与退费（仅 list/export 摘要用）。"""
+    ids = [x.strip() for x in protocol_ids if (x or "").strip()]
+    if not ids:
+        return {}
+    samples = (
+        db.query(BizProtocolSamplePayment)
+        .filter(
+            BizProtocolSamplePayment.collection_protocol_id.in_(ids),
+            BizProtocolSamplePayment.tenant_no == tenant_no,
+            BizProtocolSamplePayment.del_flag == 0,
+        )
+        .all()
+    )
+    if not samples:
+        return {}
+    schedules = (
+        db.query(BizProtocolPaymentSchedule)
+        .filter(
+            BizProtocolPaymentSchedule.collection_protocol_id.in_(ids),
+            BizProtocolPaymentSchedule.tenant_no == tenant_no,
+            BizProtocolPaymentSchedule.del_flag == 0,
+        )
+        .all()
+    )
+    transfers = (
+        db.query(BizProtocolPaymentTransfer)
+        .filter(
+            BizProtocolPaymentTransfer.collection_protocol_id.in_(ids),
+            BizProtocolPaymentTransfer.tenant_no == tenant_no,
+            BizProtocolPaymentTransfer.del_flag == 0,
+        )
+        .all()
+    )
+    refunds = (
+        db.query(BizProtocolRefundRecord)
+        .filter(
+            BizProtocolRefundRecord.collection_protocol_id.in_(ids),
+            BizProtocolRefundRecord.tenant_no == tenant_no,
+            BizProtocolRefundRecord.del_flag == 0,
+        )
+        .all()
+    )
+    samples_by: Dict[str, List[BizProtocolSamplePayment]] = {}
+    for sp in samples:
+        samples_by.setdefault(sp.collection_protocol_id, []).append(sp)
+    schedules_by: Dict[str, List[BizProtocolPaymentSchedule]] = {}
+    for s in schedules:
+        schedules_by.setdefault(s.collection_protocol_id, []).append(s)
+    transfers_by: Dict[str, List[BizProtocolPaymentTransfer]] = {}
+    for t in transfers:
+        transfers_by.setdefault(t.collection_protocol_id, []).append(t)
+    refund_by: Dict[str, float] = {}
+    refund_seen: Dict[str, bool] = {}
+    for r in refunds:
+        amt = _dec(r.refund_amount)
+        if amt is None:
+            continue
+        refund_seen[r.collection_protocol_id] = True
+        refund_by[r.collection_protocol_id] = refund_by.get(r.collection_protocol_id, 0.0) + float(amt)
+
+    out: Dict[str, Dict[str, Any]] = {}
+    for pid, sp_list in samples_by.items():
+        modes = {(sp.pay_mode or "").strip() for sp in sp_list if (sp.pay_mode or "").strip()}
+        ordered_modes = sorted(
+            modes,
+            key=lambda mode: ({"dj": 0, "fq": 1, "djfq": 2, "fgd": 3}.get(mode, 99), mode),
+        )
+        if modes == {"dj", "fq"}:
+            pay_mode = "djfq"
+        else:
+            pay_mode = "+".join(ordered_modes) if ordered_modes else ""
+        contract_total = Decimal("0")
+        has_contract = False
+        for sp in sp_list:
+            if sp.contract_amount is not None:
+                has_contract = True
+                contract_total += sp.contract_amount or Decimal("0")
+        contract = float(contract_total) if has_contract else None
+        proto_transfers = transfers_by.get(pid, [])
+        received = _received_amount_from_transfers(proto_transfers)
+        pending = max(contract - received, 0) if contract is not None else None
+        detail_rows = _v2_schedule_detail_rows(
+            schedules_by.get(pid, []),
+            proto_transfers,
+            pay_mode,
+        )
+        statuses = [(t.pay_status or "").strip() for t in proto_transfers]
+        overall = _protocol_overall_status(statuses, contract, pending)
+        hint = _protocol_status_hint(pay_mode, statuses) or overall["overallPayStatusLabel"]
+        installment_count = None
+        if pay_mode in ("fq", "djfq"):
+            installment_count = len(
+                {
+                    d.get("installmentNo")
+                    for d in detail_rows
+                    if d.get("installmentNo") is not None
+                }
+            ) or len(detail_rows)
+        payload: Dict[str, Any] = {
+            "payMode": pay_mode,
+            "contractAmount": contract,
+            "receivedAmount": received,
+            "pendingAmount": pending,
+            "statusHint": hint,
+            "installmentCount": installment_count,
+            "paymentDetails": detail_rows,
+            **overall,
+        }
+        if refund_seen.get(pid):
+            payload["refundAmount"] = refund_by.get(pid, 0.0)
+        out[pid] = payload
+    return out
+
+
 def build_protocol_payment_summaries(
     db: Session,
     protocol_ids: List[str],
@@ -263,6 +455,7 @@ def build_protocol_payment_summaries(
         ):
             details_by_payment.setdefault(d.payment_id, []).append(d)
     sample_modes: Dict[str, set] = {}
+    v2_amounts: Dict[str, Dict[str, Any]] = {}
     if include_sample_payment_modes:
         for pid, mode in db.query(
             BizProtocolSamplePayment.collection_protocol_id,
@@ -274,6 +467,7 @@ def build_protocol_payment_summaries(
         ).all():
             if mode:
                 sample_modes.setdefault(pid, set()).add(mode)
+        v2_amounts = _load_v2_protocol_payment_amounts(db, ids, tenant_no)
     first_pay_map = _first_period_first_transfer_times(db, ids, tenant_no)
     out: Dict[str, Dict[str, Any]] = {}
     for pid in ids:
@@ -285,7 +479,8 @@ def build_protocol_payment_summaries(
         )
         first_pay = first_pay_map.get(pid) or ""
         modes = sample_modes.get(pid, set())
-        if not summary and not first_pay and not modes:
+        v2 = v2_amounts.get(pid)
+        if not summary and not first_pay and not modes and not v2:
             continue
         if not summary:
             summary = {
@@ -294,6 +489,7 @@ def build_protocol_payment_summaries(
                 "contractAmount": None,
                 "receivedAmount": None,
                 "pendingAmount": None,
+                "refundAmount": None,
                 "statusHint": "",
                 "installmentCount": None,
                 "paymentDetails": [],
@@ -309,6 +505,27 @@ def build_protocol_payment_summaries(
             labels = {**_PAY_MODE_LABELS, "fgd": "分改趸"}
             summary["payMode"] = "djfq" if modes == {"dj", "fq"} else "+".join(ordered_modes)
             summary["payModeLabel"] = "+".join(labels.get(mode, mode) for mode in ordered_modes)
+        # V1 摘要缺已收金额时，用 V2 样本缴费补齐（自存表导出 / 协议列表依赖）。
+        if v2 and summary.get("receivedAmount") is None:
+            if summary.get("contractAmount") is None:
+                summary["contractAmount"] = v2.get("contractAmount")
+            summary["receivedAmount"] = v2.get("receivedAmount")
+            if summary.get("pendingAmount") is None:
+                summary["pendingAmount"] = v2.get("pendingAmount")
+            if not summary.get("paymentDetails"):
+                summary["paymentDetails"] = v2.get("paymentDetails") or []
+            if summary.get("installmentCount") is None:
+                summary["installmentCount"] = v2.get("installmentCount")
+            if summary.get("refundAmount") is None and "refundAmount" in v2:
+                summary["refundAmount"] = v2.get("refundAmount")
+            for key in (
+                "statusHint",
+                "overallPayStatus",
+                "overallPayStatusLabel",
+                "overallPayStatusTagType",
+            ):
+                if not summary.get(key) and v2.get(key):
+                    summary[key] = v2.get(key)
         if first_pay:
             summary["firstPayTransferTime"] = first_pay
         out[pid] = summary

backend/tests/test_market_presign_api.py

@@ -2564,10 +2564,13 @@ def test_web_presign_list_includes_ledger_fields():
     order.mother_name = '陈影'
     transfer = _transfer('ledger-transfer', order_id='ledger-1', pay_status='yjf')
     transfer.transfer_time = datetime(2026, 4, 2, 16, 49, 42)
+    pending = _transfer('ledger-pending', order_id='ledger-1', pay_status='dfj')
+    pending.transfer_time = datetime(2026, 4, 1, 10, 0, 0)
     db.add_all(
         [
             order,
             transfer,
+            pending,
             BizPresignOrderSampleType(
                 id='ledger-type',
                 presign_order_id='ledger-1',

backend/tests/test_protocol_v2_payment_mode_summary.py

@@ -1,10 +1,18 @@
 """协议列表可显式读取 V2 样本方案，其他费用摘要消费者保持原行为。"""
+from datetime import datetime
+from decimal import Decimal
+
 import pytest
 from sqlalchemy import create_engine
 from sqlalchemy.orm import sessionmaker
 
 from app.models.base import Base
-from app.models.models import BizProtocolSamplePayment
+from app.models.models import (
+    BizProtocolPaymentSchedule,
+    BizProtocolPaymentTransfer,
+    BizProtocolRefundRecord,
+    BizProtocolSamplePayment,
+)
 from app.services.qc_work_order_fee_summary import build_protocol_payment_summaries
 
 
@@ -31,3 +39,180 @@ def test_protocol_list_uses_active_tenant_v2_payment_modes(modes, expected, labe
         assert result['p1']['payModeLabel'] == label
         assert build_protocol_payment_summaries(db, ['p1'], 'tenant-a') == {}
     engine.dispose()
+
+
+def test_protocol_list_fills_received_from_v2_sample_transfers():
+    engine = create_engine('sqlite:///:memory:')
+    Base.metadata.create_all(engine)
+    with sessionmaker(bind=engine)() as db:
+        db.add_all(
+            [
+                BizProtocolSamplePayment(
+                    id='sp-dj',
+                    collection_protocol_id='p-v2',
+                    sample_code='S1',
+                    pay_mode='dj',
+                    contract_amount=Decimal('12800'),
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolSamplePayment(
+                    id='sp-fq',
+                    collection_protocol_id='p-v2',
+                    sample_code='S2',
+                    pay_mode='fq',
+                    contract_amount=Decimal('22880'),
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentSchedule(
+                    id='sch-dj-1',
+                    sample_payment_id='sp-dj',
+                    collection_protocol_id='p-v2',
+                    sample_code='S1',
+                    schedule_no=1,
+                    due_amount=Decimal('12800'),
+                    due_date='20260915',
+                    schedule_status='cleared',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentSchedule(
+                    id='sch-fq-1',
+                    sample_payment_id='sp-fq',
+                    collection_protocol_id='p-v2',
+                    sample_code='S2',
+                    schedule_no=1,
+                    due_amount=Decimal('6480'),
+                    due_date='20260915',
+                    schedule_status='cleared',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentSchedule(
+                    id='sch-fq-2',
+                    sample_payment_id='sp-fq',
+                    collection_protocol_id='p-v2',
+                    sample_code='S2',
+                    schedule_no=2,
+                    due_amount=Decimal('16400'),
+                    due_date='20261015',
+                    schedule_status='open',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentTransfer(
+                    id='tr-dj',
+                    schedule_id='sch-dj-1',
+                    sample_payment_id='sp-dj',
+                    collection_protocol_id='p-v2',
+                    sample_code='S1',
+                    transfer_amount=Decimal('12800'),
+                    transfer_time=datetime(2026, 9, 15, 12, 0, 0),
+                    pay_status='yjf',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentTransfer(
+                    id='tr-fq',
+                    schedule_id='sch-fq-1',
+                    sample_payment_id='sp-fq',
+                    collection_protocol_id='p-v2',
+                    sample_code='S2',
+                    transfer_amount=Decimal('6480'),
+                    transfer_time=datetime(2026, 9, 15, 11, 13, 1),
+                    pay_status='yjf',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentTransfer(
+                    id='tr-pending',
+                    schedule_id='sch-fq-2',
+                    sample_payment_id='sp-fq',
+                    collection_protocol_id='p-v2',
+                    sample_code='S2',
+                    transfer_amount=None,
+                    transfer_time=None,
+                    pay_status='dfj',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+            ]
+        )
+        db.commit()
+        result = build_protocol_payment_summaries(
+            db, ['p-v2'], 'tenant-a', include_sample_payment_modes=True
+        )
+        summary = result['p-v2']
+        assert summary['payMode'] == 'djfq'
+        assert summary['contractAmount'] == 35680.0
+        assert summary['receivedAmount'] == 19280.0
+        assert summary['pendingAmount'] == 16400.0
+        details = summary['paymentDetails']
+        assert len(details) == 3
+        first = [d for d in details if d['installmentNo'] == 1]
+        assert sum(float(d['dueAmount'] or 0) for d in first) == 19280.0
+        assert sum(float(d['transferAmount'] or 0) for d in first) == 19280.0
+        # 未开启 include 时不补齐 V2 已收（质检费用摘要保持原语义）
+        plain = build_protocol_payment_summaries(db, ['p-v2'], 'tenant-a')
+        assert plain['p-v2'].get('receivedAmount') is None
+        assert plain['p-v2'].get('paymentDetails') == []
+    engine.dispose()
+
+
+def test_protocol_list_fills_refund_amount_from_v2_refund_records():
+    engine = create_engine('sqlite:///:memory:')
+    Base.metadata.create_all(engine)
+    with sessionmaker(bind=engine)() as db:
+        db.add_all(
+            [
+                BizProtocolSamplePayment(
+                    id='sp-void',
+                    collection_protocol_id='p-void',
+                    sample_code='S9',
+                    pay_mode='dj',
+                    contract_amount=Decimal('5000'),
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentSchedule(
+                    id='sch-void',
+                    sample_payment_id='sp-void',
+                    collection_protocol_id='p-void',
+                    sample_code='S9',
+                    schedule_no=1,
+                    due_amount=Decimal('5000'),
+                    due_date='20260918',
+                    schedule_status='cleared',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolPaymentTransfer(
+                    id='tr-void',
+                    schedule_id='sch-void',
+                    sample_payment_id='sp-void',
+                    collection_protocol_id='p-void',
+                    sample_code='S9',
+                    transfer_amount=Decimal('5000'),
+                    transfer_time=datetime(2026, 9, 18, 14, 55, 4),
+                    pay_status='yjf',
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+                BizProtocolRefundRecord(
+                    id='rf-void',
+                    collection_protocol_id='p-void',
+                    refund_amount=Decimal('5000'),
+                    refund_time=datetime(2026, 9, 19, 10, 0, 0),
+                    tenant_no='tenant-a',
+                    del_flag=0,
+                ),
+            ]
+        )
+        db.commit()
+        summary = build_protocol_payment_summaries(
+            db, ['p-void'], 'tenant-a', include_sample_payment_modes=True
+        )['p-void']
+        assert summary['receivedAmount'] == 5000.0
+        assert summary['refundAmount'] == 5000.0
+    engine.dispose()

docs/agents/README.md

@@ -60,6 +60,13 @@ Agent 需要你做决定时，会在当前回复里直接写出「待你确认
 
 完整安装提供 `notify-question` 命令，由 Agent 在提问后调用，不是宿主自动弹窗钩子。当前支持用户 macOS 本机；其他系统或远程执行缺少本地播放条件时回退文字提醒，不代表你已听到。安装、更新、普通进度和结束答复不播放。细则见安装目录 `references/question-notification.md`。
 
+### 在 Cursor 里听到提示音却看不到题时
+
+- 提示音在整机播放，**不会自动跳到对应聊天**；请到正在跑 Agent 的会话里搜索「待你确认」。
+- 输入框上方的 **Queued / Start Multitasking** 是你排队的后续消息，**不是**确认清单。
+- Cursor 会先跑工具再刷出最终正文，声音可能比清单早响一两秒；清单应出现在该轮助手正文开头。多会话并行时，切换其他进行中会话再搜一次。
+- 工程内 Agent 适配约定见 [Cursor 确认可见性](cursor-question-visibility.md)。
+
 ## 日常开发怎么提需求
 
 | 场景 | 可以直接发送的示例 |

docs/agents/cursor-question-visibility.md

@@ -0,0 +1,33 @@
+# Cursor 宿主：确认问题可见性
+
+个人开发体系要求：先在用户可见回复写出「待你确认」，再播放本机提示音。Cursor Agent 的执行顺序与此不完全同构，本文件是工程内的 Cursor 适配约定；与安装目录 `references/planning.md`、`references/question-notification.md` 并用，冲突时以「用户必须先看见清单」为准。
+
+## Cursor 执行顺序
+
+1. 同轮内的**工具调用先执行**，最终助手正文后出现。
+2. `notify-question`（`afplay`）若作为工具调用，提示音可能比「待你确认」正文早数秒响起。
+3. 提示音在**整机**播放，不绑定当前聚焦的聊天标签；多会话并行时，声音来源会话可能不是眼前这个。
+4. 输入框上方的 **Queued / Start Multitasking** 是用户排队的后续消息，**不是** Agent 确认清单。
+
+## Agent 必须遵守
+
+发问当轮：
+
+1. **先写清单**：该轮最终用户可见回复必须以「待你确认」开头（或紧接一句定位后立刻出现该标题），按问题展示规则写全题、推荐、理由与未回复处理。
+2. **同轮停手**：写出清单并（如需）播放提示音后，本轮不得再调用编辑、浏览器、继续实现等工具；依赖答复的工作等下一轮。允许的独立只读工作若与本题无关，应在发问**之前**做完，或放到用户答复之后。
+3. **提示音时机**：需要播放时，`notify-question` 必须是本轮**最后一次**工具调用，且本轮最终正文就是确认清单。禁止在仍计划继续工具批处理时提前播放。
+4. **正文定位**：清单首段或标题下用一句说明「请在本会话回复；提示音不念题目，底部 Queued 不是确认入口。」
+5. **无清单不播放**：最终正文没有「待你确认」时，不得调用 `notify-question`。
+6. **原生卡片**：若当前 Cursor 会话提供宿主提问/确认卡片，可与清单并用，卡片内容须与「待你确认」一致；不得只用卡片、省略正文清单。
+
+## 用户侧核对
+
+听到「有问题待确认」时：
+
+1. 看**正在或刚结束工具步骤的那个聊天**（不必先看 Queued）。
+2. 在该会话搜索或上翻 **「待你确认」**；清单在工具时间线收折块之外的助手正文里。
+3. 若多聊天并行，切换到其他进行中会话再搜同一标题。
+
+## 静音与一分钟策略
+
+声音开关、一分钟默认选择仍按安装目录规则；本文件不改变其语义，只约束 Cursor 下的展示与播音顺序。

web-admin/src/utils/collection-ledger-export.ts

@@ -704,6 +704,19 @@ function fileStamp(): string {
   return `${stamp.getFullYear()}${pad(stamp.getMonth() + 1)}${pad(stamp.getDate())}${pad(stamp.getHours())}${pad(stamp.getMinutes())}${pad(stamp.getSeconds())}`
 }
 
+const LEDGER_CELL_BORDER = {
+  top: { style: 'thin' as const },
+  left: { style: 'thin' as const },
+  bottom: { style: 'thin' as const },
+  right: { style: 'thin' as const }
+}
+
+const LEDGER_HEADER_FILL = {
+  type: 'pattern' as const,
+  pattern: 'solid' as const,
+  fgColor: { argb: 'FFFFFF00' }
+}
+
 export async function saveCollectionLedgerWorkbook(
   sheetName: string,
   headers: string[],
@@ -715,25 +728,31 @@ export async function saveCollectionLedgerWorkbook(
   const FileSaver = (await import('file-saver')).default
   const workbook = new ExcelJS.Workbook()
   const sheet = workbook.addWorksheet(sheetName)
+  const colCount = headers.length
   const headerRow = sheet.addRow(headers)
-  headerRow.eachCell((cell) => {
+  for (let col = 1; col <= colCount; col += 1) {
+    const cell = headerRow.getCell(col)
     cell.numFmt = '@'
-    cell.alignment = { wrapText: true, vertical: 'middle' }
-  })
+    cell.alignment = { wrapText: true, vertical: 'middle', horizontal: 'center' }
+    cell.fill = LEDGER_HEADER_FILL
+    cell.border = LEDGER_CELL_BORDER
+  }
   rows.forEach((line) => {
     const added = sheet.addRow(line)
-    line.forEach((value, index) => {
-      const cell = added.getCell(index + 1)
-      cell.value = value
+    for (let col = 1; col <= colCount; col += 1) {
+      const cell = added.getCell(col)
+      cell.value = line[col - 1] ?? ''
       cell.numFmt = '@'
       cell.alignment = { vertical: 'middle', horizontal: 'center', wrapText: true }
-    })
+      cell.border = LEDGER_CELL_BORDER
+    }
   })
   merges.forEach((merge) => {
     if (merge.endRow <= merge.startRow) return
     sheet.mergeCells(merge.startRow, merge.startCol, merge.endRow, merge.endCol)
     const cell = sheet.getCell(merge.startRow, merge.startCol)
     cell.alignment = { vertical: 'middle', horizontal: 'center', wrapText: true }
+    cell.border = LEDGER_CELL_BORDER
   })
   headers.forEach((header, index) => {
     sheet.getColumn(index + 1).width = Math.min(28, Math.max(12, header.replace(/\n/g, '').length + 2))

web-admin/src/views/cell-storage/presign-order/index.vue

@@ -56,12 +56,7 @@
             <el-icon><Plus /></el-icon>
             新增预签约
           </el-button>
-          <el-button
-            v-if="COLLECTION_LEDGER_EXPORT_ENABLED"
-            class="btn-ghost"
-            :loading="exporting"
-            @click="handleExport"
-          >
+          <el-button class="btn-ghost" :loading="exporting" @click="handleExport">
             <el-icon><Download /></el-icon>
             导出 Excel
           </el-button>
@@ -208,7 +203,6 @@
   import { Plus, Search, RefreshLeft, Edit, Delete, Check, Download } from '@element-plus/icons-vue'
   import { ElMessage } from 'element-plus'
   import {
-    COLLECTION_LEDGER_EXPORT_ENABLED,
     buildPresignLedgerRows,
     fetchAllPages,
     PRESIGN_HEADERS,

web-admin/src/views/project-management/RecordList.vue

@@ -89,7 +89,7 @@
           :disabled="!selectedRows.length || busy"
           @click="openBatch"
         >
-          <el-icon><Edit /></el-icon>调整归属
+          <el-icon><Edit /></el-icon>批量调整归属
         </el-button>
       </div>
     </div>