fix(thirdpay): 修复邮储银行退款状态处理逻辑及相关细节

1. 调整退款订单状态更新逻辑，根据渠道和退款结果正确设置订单状态
2. 优化邮储退款接口的退款状态判断条件
3. 补充退款成功时间的格式化输出
4. 修复退款请求参数中退款描述的硬编码问题
5. 添加邮储退款解密响应的日志打印

app/services/thirdpay/do/pay.go

@@ -253,7 +253,20 @@ func (w *Pay) Refund() {
 	}
 	res := paymentService.OrderRefund(*w.ctx, *thirdPayRefund)
 	if res.Code == payCommon.PAY_SUCCESS_CODE {
+		if w.PayParam.Channel.ChannelType == common.PAY_CHANNEL_PSBC {
+			if res.Result.RefundStatus == payCommon.PAY_REFUND_STATU_SUCCESS {
+				// 退款成功
+				w.Order.Status = common.ORDER_STATUS_PAYED
+			} else if res.Result.RefundStatus == payCommon.PAY_REFUND_STATU_ING {
+				//
 				w.Order.Status = common.ORDER_STATUS_PAYING
+			} else {
+				w.Order.Status = common.ORDER_STATUS_FAILED
+			}
+		} else {
+			w.Order.Status = common.ORDER_STATUS_PAYING
+		}
+
 		code := services.OrderUpdate(w.Order, "status")
 		if code != errorcode.Success {
 			w.PayCode = code

app/third/paymentService/psbc/refund.go

@@ -1,6 +1,7 @@
 package payment
 
 import (
+	"PaymentCenter/app/utils"
 	"encoding/json"
 	"fmt"
 	"time"
@@ -33,13 +34,13 @@ func (c *Client) Refund(req RefundRequest) (*RefundResponse, error) {
 			"data": map[string]string{
 				"txnCode":    "1003",
 				"sourceId":   "16",
-				"reqTraceId": req.OrderNo + now[4:14], // MMDDHHmmss 10位后缀
+				"reqTraceId": req.OrderNo + "0010",
 				"reqDate":    now, // 14 位 YYYYMMDDHHmmss
 				"mchtNo":     c.cfg.MchtNo,
 				"orgTxnSeq":  req.OrgTxnSeq,
 				"txnAmt":     req.Price,
 				"orgTxnAmt":  req.Price,
-				"refundDesc": "用户主动退款",
+				"refundDesc": req.RefundDesc,
 			},
 		},
 	}
@@ -60,6 +61,7 @@ func (c *Client) Refund(req RefundRequest) (*RefundResponse, error) {
 	}
 
 	responseData, err := c.DecryptResponse(string(body), false)
+	utils.Log(nil, "邮储退款解密响应", responseData)
 	if err != nil {
 		return nil, fmt.Errorf("解密响应失败: %v，原始响应: %s", err, string(body))
 	}

app/third/paymentService/psbc_service.go

@@ -9,6 +9,7 @@ import (
 	"fmt"
 	"github.com/qit-team/snow-core/log/logger"
 	"strconv"
+	"time"
 )
 
 type PsbcPay struct {
@@ -156,10 +157,9 @@ func PsbcRefundOrder(ctx context.Context, orderRefundRequest OrderRefundRequest)
 	}
 
 	refundStatus := payCommon.PAY_REFUND_STATU_COMMON
-	switch resp.RefundOrderSta {
-	case "03":
+	if resp.RespCode == "000000" && resp.RefundOrderSta == "03" {
 		refundStatus = payCommon.PAY_REFUND_STATU_SUCCESS
-	default:
+	} else {
 		refundStatus = payCommon.PAY_REFUND_STATU_FAIL
 	}
 
@@ -177,7 +177,7 @@ func PsbcRefundOrder(ctx context.Context, orderRefundRequest OrderRefundRequest)
 		RefundFee:         refundFee,
 		RefundOrderId:     orderRefundRequest.RefundOrderId,
 		RefundStatus:      refundStatus,
-		RefundSuccessTime: "",
+		RefundSuccessTime: time.Now().Format(time.DateTime),
 	}, nil
 }