app/Business/WithdrawalBalanceAlertSynchronizer.php

@@ -0,0 +1,238 @@
+<?php
+
+namespace App\Business;
+
+use App\Models\Business\StoreReceivingAccount;
+use App\Models\Business\Todo;
+use Carbon\CarbonImmutable;
+use Illuminate\Support\Facades\DB;
+use Modules\EcommerceFinance\Repositories\JushuitanShopBalanceRepository;
+
+class WithdrawalBalanceAlertSynchronizer
+{
+    public const CATEGORY = '提现余额预警';
+
+    public const TODO_STATUS = '待处理';
+
+    public function __construct(
+        private readonly JushuitanShopBalanceRepository $shopBalances,
+    ) {
+    }
+
+    /**
+     * Evaluate the latest balance date for a company and persist one open todo
+     * per store that has exceeded its reserve standard without any change for
+     * three consecutive calendar days.
+     *
+     * @return array{balance_date:string,dates:list<string>,alerts:array<int,array<string,mixed>>,created:int,updated:int}
+     */
+    public function syncLatest(int $companyId): array
+    {
+        $latest = $this->shopBalances->latestBalanceDate(now());
+        if ($latest === null) {
+            return [
+                'balance_date' => '',
+                'dates' => [],
+                'alerts' => [],
+                'created' => 0,
+                'updated' => 0,
+            ];
+        }
+
+        return $this->syncForDate($companyId, $latest);
+    }
+
+    /**
+     * @return array{balance_date:string,dates:list<string>,alerts:array<int,array<string,mixed>>,created:int,updated:int}
+     */
+    public function syncForDate(int $companyId, string $balanceDate): array
+    {
+        $dates = self::datesEndingAt($balanceDate);
+        $stores = StoreReceivingAccount::withoutGlobalScopes()
+            ->where('company_id', $companyId)
+            ->whereNull('deleted_at')
+            ->orderBy('id')
+            ->get();
+
+        if ($stores->isEmpty()) {
+            return [
+                'balance_date' => $balanceDate,
+                'dates' => $dates,
+                'alerts' => [],
+                'created' => 0,
+                'updated' => 0,
+            ];
+        }
+
+        $balancesByDate = $this->shopBalances->matchesForStoresOnDates($stores, $dates);
+        $reserveStandards = $stores->mapWithKeys(
+            static fn (StoreReceivingAccount $store): array => [
+                (int) $store->id => WithdrawalReserveStandard::amountFor(
+                    $store->store_platform,
+                    $store->erp_store_name,
+                ),
+            ],
+        )->all();
+        $alerts = self::detect($stores, $balancesByDate, $reserveStandards, $dates);
+        [$created, $updated] = DB::transaction(function () use ($companyId, $stores, &$alerts): array {
+            $created = 0;
+            $updated = 0;
+
+            foreach ($stores as $store) {
+                $alert = $alerts[(int) $store->id] ?? null;
+                if ($alert === null) {
+                    continue;
+                }
+
+                $title = $this->todoTitle($store);
+                $description = $this->description($store, $alert);
+                $todo = Todo::withoutGlobalScopes()
+                    ->where('company_id', $companyId)
+                    ->where('category', self::CATEGORY)
+                    ->where('title', $title)
+                    ->whereNull('deleted_at')
+                    ->whereNotIn('status', ['已完成', '已关闭'])
+                    ->orderByDesc('id')
+                    ->lockForUpdate()
+                    ->first();
+
+                if ($todo === null) {
+                    $todo = Todo::withoutGlobalScopes()->create([
+                        'company_id' => $companyId,
+                        'title' => $title,
+                        'category' => self::CATEGORY,
+                        'priority' => '高',
+                        'status' => self::TODO_STATUS,
+                        'description' => $description,
+                    ]);
+                    $created++;
+                } else {
+                    $attributes = [
+                        'priority' => '高',
+                        'description' => $description,
+                    ];
+                    if ($todo->status !== self::TODO_STATUS) {
+                        $attributes['status'] = self::TODO_STATUS;
+                    }
+                    if ($todo->fill($attributes)->isDirty()) {
+                        $todo->save();
+                        $updated++;
+                    }
+                }
+
+                $alerts[(int) $store->id]['todo_id'] = (int) $todo->id;
+            }
+
+            return [$created, $updated];
+        });
+
+        return [
+            'balance_date' => $balanceDate,
+            'dates' => $dates,
+            'alerts' => $alerts,
+            'created' => $created,
+            'updated' => $updated,
+        ];
+    }
+
+    /**
+     * @param iterable<StoreReceivingAccount> $stores
+     * @param array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>> $balancesByDate
+     * @param array<int,int|null> $reserveStandards
+     * @param list<string> $dates
+     * @return array<int,array{balance:float,start_date:string,end_date:string,message:string}>
+     */
+    public static function detect(
+        iterable $stores,
+        array $balancesByDate,
+        array $reserveStandards,
+        array $dates,
+    ): array {
+        if (count($dates) !== 3) {
+            return [];
+        }
+
+        $alerts = [];
+        foreach ($stores as $store) {
+            $reserve = $reserveStandards[(int) $store->id] ?? null;
+            if ($reserve === null) {
+                continue;
+            }
+
+            $balanceCents = null;
+            $unchanged = true;
+            foreach ($dates as $date) {
+                $match = $balancesByDate[(int) $store->id][$date]
+                    ?? ['status' => 'not_ready', 'balance' => null];
+                if (($match['status'] ?? '') !== 'matched' || ($match['balance'] ?? null) === null) {
+                    $unchanged = false;
+                    break;
+                }
+
+                $cents = (int) round((float) $match['balance'] * 100);
+                if ($balanceCents === null) {
+                    $balanceCents = $cents;
+                } elseif ($balanceCents !== $cents) {
+                    $unchanged = false;
+                    break;
+                }
+            }
+
+            if (! $unchanged || $balanceCents === null || $balanceCents <= $reserve * 100) {
+                continue;
+            }
+
+            $balance = $balanceCents / 100;
+            $alerts[(int) $store->id] = [
+                'balance' => $balance,
+                'start_date' => $dates[0],
+                'end_date' => $dates[2],
+                'message' => sprintf(
+                    '余额连续 3 天保持 %s 元，高于预留标准 %s 元。',
+                    number_format($balance, 2),
+                    number_format($reserve, 2),
+                ),
+            ];
+        }
+
+        return $alerts;
+    }
+
+    /** @return list<string> */
+    public static function datesEndingAt(string $balanceDate): array
+    {
+        $end = CarbonImmutable::createFromFormat('!Y-m-d', $balanceDate);
+        if (! $end instanceof CarbonImmutable || $end->format('Y-m-d') !== $balanceDate) {
+            return [];
+        }
+
+        return [
+            $end->subDays(2)->toDateString(),
+            $end->subDay()->toDateString(),
+            $end->toDateString(),
+        ];
+    }
+
+    private function todoTitle(StoreReceivingAccount $store): string
+    {
+        return mb_substr(
+            '提现余额连续3天未变动｜' . (string) $store->store_platform . '｜' . (string) $store->erp_store_name,
+            0,
+            255,
+        );
+    }
+
+    /** @param array{balance:float,start_date:string,end_date:string,message:string} $alert */
+    private function description(StoreReceivingAccount $store, array $alert): string
+    {
+        return implode("\n", array_filter([
+            $alert['message'],
+            '统计期间：' . $alert['start_date'] . ' 至 ' . $alert['end_date'],
+            '店铺平台：' . ($store->store_platform ?: '未配置'),
+            'ERP店铺名称：' . ($store->erp_store_name ?: '未配置'),
+            '店铺主体：' . ($store->store_entity_name ?: '未配置'),
+            '平台店铺ID：' . ($store->store_id ?: '未配置'),
+            '处理建议：核实店铺余额是否真实停滞，并检查是否应执行提现。',
+        ], static fn (string $line): bool => $line !== ''));
+    }
+}

app/Business/WithdrawalManagementReport.php

@@ -18,7 +18,10 @@ class WithdrawalManagementReport
         'withdrawal_path',
         'withdrawal_account',
         'bank_card',
+        'balance_two_days_ago',
+        'balance_yesterday',
         'balance',
+        'balance_alert',
         'reserve_standard',
         'withdrawal_amount',
         'compliance',
@@ -34,9 +37,12 @@ class WithdrawalManagementReport
      *     filters:array{platform:string,withdrawalPath:string,storeEntity:string,keyword:string,balanceStatus:string,balanceDate:string},
      *     platforms:list<string>,paths:list<string>,storeEntities:list<string>,rows:Collection<int,StoreReceivingAccount>,
      *     balances:array<int,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>,
+     *     balancesByDate:array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>>,
+     *     balanceDays:list<array{key:string,date:string,label:string}>,
+     *     alerts:array<int,array{balance:float,start_date:string,end_date:string,message:string}>,
      *     reserveStandards:array<int,int|null>,withdrawalAmounts:array<int,float|null>,compliance:array<int,string|null>,
      *     summary:array{source:int,matched:int,ambiguous:int,unmatched:int,not_ready:int},
-     *     balanceColumnLabel:string,balanceDate:string,balanceDates:list<string>,sort:array{field:string,direction:string}
+     *     balanceColumnLabel:string,balanceDate:string,latestBalanceDate:?string,balanceDates:list<string>,sort:array{field:string,direction:string}
      * }
      */
     public function results(Request $request): array
@@ -71,7 +77,17 @@ class WithdrawalManagementReport
             ? CarbonImmutable::parse($balanceDate)
             : $today;
         $rows = $query->orderByDesc('id')->get();
-        $balances = $this->shopBalances->matchesForStores($rows, $balanceDate);
+        $historyDates = WithdrawalBalanceAlertSynchronizer::datesEndingAt($balanceDate);
+        $balancesByDate = $this->shopBalances->matchesForStoresOnDates($rows, $historyDates);
+        $balances = array_map(
+            static fn (array $dates): array => $dates[$balanceDate] ?? [
+                'status' => 'not_ready',
+                'balance' => null,
+                'source_store_name' => null,
+                'source_platform' => null,
+            ],
+            $balancesByDate,
+        );
         $balanceCounts = collect($balances)->countBy(
             static fn (array $match): string => $match['status'],
         );
@@ -90,6 +106,19 @@ class WithdrawalManagementReport
                 ),
             ],
         )->all();
+        $balanceDays = collect($historyDates)->map(
+            static fn (string $date, int $index): array => [
+                'key' => $index === 0 ? 'balance_two_days_ago' : ($index === 1 ? 'balance_yesterday' : 'balance'),
+                'date' => $date,
+                'label' => CarbonImmutable::parse($date)->format('n月j日') . '店铺余额',
+            ],
+        )->values()->all();
+        $alerts = WithdrawalBalanceAlertSynchronizer::detect(
+            $rows,
+            $balancesByDate,
+            $reserveStandards,
+            $historyDates,
+        );
         $withdrawalAmounts = $rows->mapWithKeys(
             fn (StoreReceivingAccount $row): array => [
                 (int) $row->id => $this->withdrawalAmountFor($row, $balanceDate),
@@ -106,7 +135,16 @@ class WithdrawalManagementReport
         )->all();
         $rows = $sort['field'] === ''
             ? $this->sortByBalanceStatus($rows, $balances)
-            : $this->sortRows($rows, $sort, $balances, $reserveStandards, $withdrawalAmounts, $compliance);
+            : $this->sortRows(
+                $rows,
+                $sort,
+                $balancesByDate,
+                $balanceDays,
+                $alerts,
+                $reserveStandards,
+                $withdrawalAmounts,
+                $compliance,
+            );
 
         return [
             'filters' => $filters,
@@ -115,6 +153,9 @@ class WithdrawalManagementReport
             'storeEntities' => $storeEntities,
             'rows' => $rows,
             'balances' => $balances,
+            'balancesByDate' => $balancesByDate,
+            'balanceDays' => $balanceDays,
+            'alerts' => $alerts,
             'reserveStandards' => $reserveStandards,
             'withdrawalAmounts' => $withdrawalAmounts,
             'compliance' => $compliance,
@@ -127,6 +168,7 @@ class WithdrawalManagementReport
             ],
             'balanceColumnLabel' => $labelDate->format('n月j日') . '店铺余额',
             'balanceDate' => $balanceDate,
+            'latestBalanceDate' => $latestBalanceDate,
             'balanceDates' => $this->shopBalances->availableDates($today),
             'sort' => $sort,
         ];
@@ -209,17 +251,35 @@ class WithdrawalManagementReport
     /**
      * @param Collection<int,StoreReceivingAccount> $rows
      * @param array{field:string,direction:string} $sort
-     * @param array<int,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}> $balances
+     * @param array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>> $balancesByDate
+     * @param list<array{key:string,date:string,label:string}> $balanceDays
+     * @param array<int,array{balance:float,start_date:string,end_date:string,message:string}> $alerts
      * @param array<int,int|null> $reserveStandards
      * @param array<int,float|null> $withdrawalAmounts
      * @param array<int,string|null> $compliance
      * @return Collection<int,StoreReceivingAccount>
      */
-    private function sortRows(Collection $rows, array $sort, array $balances, array $reserveStandards, array $withdrawalAmounts, array $compliance): Collection
-    {
-        return $rows->sort(function (StoreReceivingAccount $left, StoreReceivingAccount $right) use ($sort, $balances, $reserveStandards, $withdrawalAmounts, $compliance): int {
-            $leftValue = $this->sortValue($left, $sort['field'], $balances, $reserveStandards, $withdrawalAmounts, $compliance);
-            $rightValue = $this->sortValue($right, $sort['field'], $balances, $reserveStandards, $withdrawalAmounts, $compliance);
+    private function sortRows(
+        Collection $rows,
+        array $sort,
+        array $balancesByDate,
+        array $balanceDays,
+        array $alerts,
+        array $reserveStandards,
+        array $withdrawalAmounts,
+        array $compliance,
+    ): Collection {
+        return $rows->sort(function (StoreReceivingAccount $left, StoreReceivingAccount $right) use (
+            $sort,
+            $balancesByDate,
+            $balanceDays,
+            $alerts,
+            $reserveStandards,
+            $withdrawalAmounts,
+            $compliance,
+        ): int {
+            $leftValue = $this->sortValue($left, $sort['field'], $balancesByDate, $balanceDays, $alerts, $reserveStandards, $withdrawalAmounts, $compliance);
+            $rightValue = $this->sortValue($right, $sort['field'], $balancesByDate, $balanceDays, $alerts, $reserveStandards, $withdrawalAmounts, $compliance);
             $comparison = $this->compareSortValues($leftValue, $rightValue, $sort['direction']);
 
             return $comparison !== 0
@@ -229,13 +289,38 @@ class WithdrawalManagementReport
     }
 
     /**
-     * @param array<int,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}> $balances
+     * @param array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>> $balancesByDate
+     * @param list<array{key:string,date:string,label:string}> $balanceDays
+     * @param array<int,array{balance:float,start_date:string,end_date:string,message:string}> $alerts
      * @param array<int,int|null> $reserveStandards
      * @param array<int,float|null> $withdrawalAmounts
      * @param array<int,string|null> $compliance
      */
-    private function sortValue(StoreReceivingAccount $row, string $field, array $balances, array $reserveStandards, array $withdrawalAmounts, array $compliance): mixed
-    {
+    private function sortValue(
+        StoreReceivingAccount $row,
+        string $field,
+        array $balancesByDate,
+        array $balanceDays,
+        array $alerts,
+        array $reserveStandards,
+        array $withdrawalAmounts,
+        array $compliance,
+    ): mixed {
+        $balanceFor = static function (string $dayKey) use ($row, $balancesByDate, $balanceDays): ?float {
+            $date = null;
+            foreach ($balanceDays as $day) {
+                if ($day['key'] === $dayKey) {
+                    $date = $day['date'];
+                    break;
+                }
+            }
+            $match = $date === null
+                ? null
+                : ($balancesByDate[(int) $row->id][$date] ?? null);
+
+            return ($match['status'] ?? null) === 'matched' ? (float) $match['balance'] : null;
+        };
+
         return match ($field) {
             'platform' => $row->store_platform,
             'erp_store_name' => $row->erp_store_name,
@@ -244,9 +329,10 @@ class WithdrawalManagementReport
             'withdrawal_path' => $row->withdrawal_path,
             'withdrawal_account' => $row->withdrawal_account_name,
             'bank_card' => $row->bank_card_last_four,
-            'balance' => ($balances[(int) $row->id]['status'] ?? null) === 'matched'
-                ? $balances[(int) $row->id]['balance']
-                : null,
+            'balance_two_days_ago' => $balanceFor('balance_two_days_ago'),
+            'balance_yesterday' => $balanceFor('balance_yesterday'),
+            'balance' => $balanceFor('balance'),
+            'balance_alert' => isset($alerts[(int) $row->id]) ? 1 : 0,
             'reserve_standard' => $reserveStandards[(int) $row->id] ?? null,
             'withdrawal_amount' => $withdrawalAmounts[(int) $row->id] ?? null,
             'compliance' => $compliance[(int) $row->id] ?? null,

app/Business/WithdrawalManagementSpreadsheet.php

@@ -40,6 +40,9 @@ class WithdrawalManagementSpreadsheet
      * @param array{
      *     rows:\Illuminate\Support\Collection<int,StoreReceivingAccount>,
      *     balances:array<int,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>,
+     *     balancesByDate:array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>>,
+     *     balanceDays:list<array{key:string,date:string,label:string}>,
+     *     alerts:array<int,array{balance:float,start_date:string,end_date:string,message:string}>,
      *     reserveStandards:array<int,int|null>,withdrawalAmounts:array<int,float|null>,compliance:array<int,string|null>,
      *     balanceColumnLabel:string,balanceDate:string
      * } $report
@@ -271,19 +274,28 @@ class WithdrawalManagementSpreadsheet
 
     private function workbook(array $report): Spreadsheet
     {
-        $headers = [...self::CONFIG_HEADERS, $report['balanceColumnLabel'], '预留标准', '提现金额', '是否达标'];
+        $balanceHeaders = array_map(
+            static fn (array $day): string => (string) $day['label'],
+            $report['balanceDays'],
+        );
+        $headers = [...self::CONFIG_HEADERS, ...$balanceHeaders, '余额预警', '预留标准', '提现金额', '是否达标'];
         $spreadsheet = new Spreadsheet();
         $sheet = $spreadsheet->getActiveSheet();
         $sheet->setTitle('提现管理');
         $this->writeHeader($sheet, $headers);
-        $this->sizeColumns($sheet, [14, 32, 20, 32, 16, 24, 22, 20, 18, 18, 14]);
+        $this->sizeColumns($sheet, [14, 32, 20, 32, 16, 24, 22, 20, 20, 20, 18, 18, 18, 14]);
 
         $rowNumber = 2;
         foreach ($report['rows'] as $row) {
-            $match = $report['balances'][(int) $row->id] ?? ['status' => 'not_ready', 'balance' => null];
             $reserve = $report['reserveStandards'][(int) $row->id] ?? null;
             $withdrawalAmount = $report['withdrawalAmounts'][(int) $row->id] ?? null;
             $compliance = $report['compliance'][(int) $row->id] ?? null;
+            $alert = $report['alerts'][(int) $row->id] ?? null;
+            $hasCompleteAlertSeries = collect($report['balanceDays'])->every(
+                fn (array $day): bool => (
+                    $report['balancesByDate'][(int) $row->id][(string) $day['date']]['status'] ?? ''
+                ) === 'matched',
+            );
             $textValues = [
                 1 => (string) ($row->store_platform ?? ''),
                 2 => (string) ($row->erp_store_name ?? ''),
@@ -297,22 +309,33 @@ class WithdrawalManagementSpreadsheet
                 $sheet->setCellValueExplicit([$column, $rowNumber], $value, DataType::TYPE_STRING);
             }
 
-            if ($match['status'] === 'matched') {
-                $sheet->setCellValue([8, $rowNumber], (float) $match['balance']);
-            } else {
-                $sheet->setCellValueExplicit([8, $rowNumber], $this->balanceStatus($match['status']), DataType::TYPE_STRING);
+            foreach ($report['balanceDays'] as $dayIndex => $day) {
+                $column = 8 + $dayIndex;
+                $match = $report['balancesByDate'][(int) $row->id][$day['date']]
+                    ?? ['status' => 'not_ready', 'balance' => null];
+                if ($match['status'] === 'matched') {
+                    $sheet->setCellValue([$column, $rowNumber], (float) $match['balance']);
+                } else {
+                    $sheet->setCellValueExplicit([$column, $rowNumber], $this->balanceStatus($match['status']), DataType::TYPE_STRING);
+                }
             }
+
+            $sheet->setCellValueExplicit(
+                [11, $rowNumber],
+                $alert !== null ? '连续3天未变动' : ($hasCompleteAlertSeries ? '未触发' : '数据不足'),
+                DataType::TYPE_STRING,
+            );
             if ($reserve === null) {
-                $sheet->setCellValueExplicit([9, $rowNumber], '待配置', DataType::TYPE_STRING);
+                $sheet->setCellValueExplicit([12, $rowNumber], '待配置', DataType::TYPE_STRING);
             } else {
-                $sheet->setCellValue([9, $rowNumber], $reserve);
+                $sheet->setCellValue([12, $rowNumber], $reserve);
             }
             if ($withdrawalAmount === null) {
-                $sheet->setCellValueExplicit([10, $rowNumber], '待接入', DataType::TYPE_STRING);
+                $sheet->setCellValueExplicit([13, $rowNumber], '待接入', DataType::TYPE_STRING);
             } else {
-                $sheet->setCellValue([10, $rowNumber], $withdrawalAmount);
+                $sheet->setCellValue([13, $rowNumber], $withdrawalAmount);
             }
-            $sheet->setCellValueExplicit([11, $rowNumber], match ($compliance) {
+            $sheet->setCellValueExplicit([14, $rowNumber], match ($compliance) {
                 'yes' => '是',
                 'no' => '否',
                 default => '待核验',
@@ -322,7 +345,9 @@ class WithdrawalManagementSpreadsheet
 
         if ($rowNumber > 2) {
             $sheet->getStyle('H2:J' . ($rowNumber - 1))->getNumberFormat()->setFormatCode('#,##0.00');
+            $sheet->getStyle('L2:M' . ($rowNumber - 1))->getNumberFormat()->setFormatCode('#,##0.00');
             $sheet->getStyle('H2:J' . ($rowNumber - 1))->getAlignment()->setHorizontal(Alignment::HORIZONTAL_RIGHT);
+            $sheet->getStyle('L2:M' . ($rowNumber - 1))->getAlignment()->setHorizontal(Alignment::HORIZONTAL_RIGHT);
         }
         $sheet->getStyle('C2:C' . max(2, $rowNumber - 1))->getNumberFormat()->setFormatCode('@');
         $sheet->getStyle('G2:G' . max(2, $rowNumber - 1))->getNumberFormat()->setFormatCode('@');

app/Console/Commands/ImportJushuitanShopBalances.php

@@ -2,6 +2,8 @@
 
 namespace App\Console\Commands;
 
+use App\Business\WithdrawalBalanceAlertSynchronizer;
+use App\Models\Business\StoreReceivingAccount;
 use Illuminate\Console\Command;
 use Modules\EcommerceFinance\Services\JushuitanShopBalanceImporter;
 use Throwable;
@@ -16,7 +18,10 @@ class ImportJushuitanShopBalances extends Command
 
     protected $description = '校验并导入聚水潭平台原始账单中的店铺余额快照';
 
-    public function handle(JushuitanShopBalanceImporter $importer): int
+    public function handle(
+        JushuitanShopBalanceImporter $importer,
+        WithdrawalBalanceAlertSynchronizer $alertSynchronizer,
+    ): int
     {
         try {
             $result = $importer->import(
@@ -26,6 +31,7 @@ class ImportJushuitanShopBalances extends Command
                 (bool) $this->option('dry-run'),
             );
         } catch (Throwable $exception) {
+            report($exception);
             $this->error($exception->getMessage());
 
             return self::FAILURE;
@@ -39,6 +45,34 @@ class ImportJushuitanShopBalances extends Command
             $result['replaced'],
         ));
 
+        if (! $result['dry_run']) {
+            $companyIds = StoreReceivingAccount::withoutGlobalScopes()
+                ->whereNull('deleted_at')
+                ->distinct()
+                ->pluck('company_id')
+                ->filter()
+                ->map(static fn (mixed $id): int => (int) $id)
+                ->unique()
+                ->values();
+
+            foreach ($companyIds as $companyId) {
+                try {
+                    $alerts = $alertSynchronizer->syncLatest($companyId);
+                    if ($alerts['created'] > 0 || $alerts['updated'] > 0) {
+                        $this->info(sprintf(
+                            '余额预警待办：公司 %d 新增 %d 条、更新 %d 条。',
+                            $companyId,
+                            $alerts['created'],
+                            $alerts['updated'],
+                        ));
+                    }
+                } catch (Throwable $exception) {
+                    report($exception);
+                    $this->warn("余额预警待办生成失败（公司 {$companyId}），余额快照已保留。");
+                }
+            }
+        }
+
         return self::SUCCESS;
     }
 }

app/Http/Controllers/Business/Pages.php

@@ -24,6 +24,7 @@ use App\Models\Business\CourierQuoteVersion;
 use App\Models\Business\CourierSigningSubject;
 use App\Models\Business\InstallationDetail;
 use App\Models\Business\InventoryWarehouseNameMapping;
+use App\Models\Business\Todo;
 use App\Business\CourierSurchargeAuditLogRepository;
 use App\Business\CourierSurchargeQuoteRepository;
 use App\Business\CourierSurchargeTypeRepository;
@@ -4136,6 +4137,7 @@ class Pages extends Controller
             'shipping-data' => $this->contentForShippingData(),
             'return-pickup-management' => $this->contentForReturnPickupManagement(),
             'withdrawal-management' => $this->contentForWithdrawalManagement(),
+            'todos' => $this->contentForTodos(),
             'bill-offset' => app(\Modules\EcommerceFinance\View\BillOffsetPageData::class)->page(),
             'account-mapping' => $this->contentForAccountMapping(),
             'ledger' => app(\Modules\EcommerceFinance\View\FinanceLedgerPageData::class)->page($tab),
@@ -5111,6 +5113,9 @@ class Pages extends Controller
             'withdrawalPaths' => $report['paths'],
             'withdrawalStoreEntities' => $report['storeEntities'],
             'withdrawalBalances' => $report['balances'],
+            'withdrawalBalancesByDate' => $report['balancesByDate'],
+            'withdrawalBalanceDays' => $report['balanceDays'],
+            'withdrawalAlerts' => $report['alerts'],
             'withdrawalReserveStandards' => $report['reserveStandards'],
             'withdrawalAmounts' => $report['withdrawalAmounts'],
             'withdrawalCompliance' => $report['compliance'],
@@ -5122,6 +5127,29 @@ class Pages extends Controller
         ];
     }
 
+    /**
+     * 待办事项：优先展示业务系统生成的待办；为空时继续使用目录页的字段说明。
+     */
+    protected function contentForTodos(): ?array
+    {
+        $query = Todo::query()->orderByRaw(
+            "CASE WHEN status IN ('已完成', '已关闭') THEN 1 ELSE 0 END"
+        )->orderByDesc('created_at')->orderByDesc('id');
+
+        if (! $query->exists()) {
+            return null;
+        }
+
+        $page = max((int) request()->query('page', 1), 1);
+        $items = $query->paginate(50, ['*'], 'page', $page)->withQueryString();
+
+        return [
+            'view' => 'business.pages.todos',
+            'items' => $items,
+            'title' => '待办事项',
+        ];
+    }
+
     /**
      * 快递附加费报价维护。
      *

modules/EcommerceFinance/Repositories/JushuitanShopBalanceRepository.php

@@ -26,26 +26,49 @@ class JushuitanShopBalanceRepository
      */
     public function matchesForStores(iterable $stores, string $balanceDate): array
     {
-        $stores = is_array($stores) ? $stores : iterator_to_array($stores);
+        $matches = $this->matchesForStoresOnDates($stores, [$balanceDate]);
+
+        return array_map(
+            static fn (array $dates): array => $dates[$balanceDate],
+            $matches,
+        );
+    }
+
+    /**
+     * @param iterable<object> $stores
+     * @param list<string> $balanceDates
+     * @return array<int,array<string,array{status:string,balance:?float,source_store_name:?string,source_platform:?string}>>
+     */
+    public function matchesForStoresOnDates(iterable $stores, array $balanceDates): array
+    {
+        $stores = is_array($stores) ? array_values($stores) : iterator_to_array($stores, false);
+        $balanceDates = array_values(array_unique(array_filter(
+            $balanceDates,
+            static fn (mixed $date): bool => is_string($date) && $date !== '',
+        )));
         $result = [];
 
         foreach ($stores as $store) {
-            $result[(int) $store->id] = $this->emptyMatch('not_ready');
+            $result[(int) $store->id] = array_fill_keys(
+                $balanceDates,
+                $this->emptyMatch('not_ready'),
+            );
         }
 
-        if (! $this->hasTable()) {
+        if ($balanceDates === [] || ! $this->hasTable()) {
             return $result;
         }
 
-        $sourceRows = $this->connection->table(self::TABLE)
-            ->where('balance_date', $balanceDate)
+        $sourceRowsByDate = $this->connection->table(self::TABLE)
+            ->whereIn('balance_date', $balanceDates)
             ->orderBy('id')
             ->get([
-                'id', 'source_platform', 'store_name', 'normalized_store_name',
+                'id', 'balance_date', 'source_platform', 'store_name', 'normalized_store_name',
                 'platform_account_id', 'balance',
-            ]);
+            ])
+            ->groupBy(static fn (object $row): string => substr((string) $row->balance_date, 0, 10));
 
-        if ($sourceRows->isEmpty()) {
+        if ($sourceRowsByDate->isEmpty()) {
             return $result;
         }
 
@@ -55,44 +78,46 @@ class JushuitanShopBalanceRepository
                 self::normalizeStoreName((string) ($store->erp_store_name ?? '')),
             ])));
 
-            $matches = $sourceRows->filter(
-                static fn (object $row): bool => in_array((string) $row->normalized_store_name, $names, true),
-            )->values();
-
-            if ($matches->isEmpty()) {
-                $result[(int) $store->id] = $this->emptyMatch('unmatched');
-                continue;
-            }
-
-            $targetPlatform = self::platformKey((string) ($store->store_platform ?? ''));
-            if ($targetPlatform !== null) {
-                $matches = $matches->filter(
-                    static function (object $row) use ($targetPlatform): bool {
-                        $sourcePlatform = self::platformKey((string) ($row->source_platform ?? ''))
-                            ?? self::platformKey((string) self::sourcePlatform((string) ($row->store_name ?? '')));
-
-                        return $sourcePlatform !== null && $sourcePlatform === $targetPlatform;
-                    },
+            foreach ($balanceDates as $balanceDate) {
+                $matches = ($sourceRowsByDate[$balanceDate] ?? collect())->filter(
+                    static fn (object $row): bool => in_array((string) $row->normalized_store_name, $names, true),
                 )->values();
 
                 if ($matches->isEmpty()) {
-                    $result[(int) $store->id] = $this->emptyMatch('unmatched');
+                    $result[(int) $store->id][$balanceDate] = $this->emptyMatch('unmatched');
                     continue;
                 }
-            }
 
-            if ($matches->count() !== 1) {
-                $result[(int) $store->id] = $this->emptyMatch('ambiguous');
-                continue;
-            }
+                $targetPlatform = self::platformKey((string) ($store->store_platform ?? ''));
+                if ($targetPlatform !== null) {
+                    $matches = $matches->filter(
+                        static function (object $row) use ($targetPlatform): bool {
+                            $sourcePlatform = self::platformKey((string) ($row->source_platform ?? ''))
+                                ?? self::platformKey((string) self::sourcePlatform((string) ($row->store_name ?? '')));
 
-            $match = $matches->first();
-            $result[(int) $store->id] = [
-                'status' => 'matched',
-                'balance' => (float) $match->balance,
-                'source_store_name' => (string) $match->store_name,
-                'source_platform' => $match->source_platform === null ? null : (string) $match->source_platform,
-            ];
+                            return $sourcePlatform !== null && $sourcePlatform === $targetPlatform;
+                        },
+                    )->values();
+
+                    if ($matches->isEmpty()) {
+                        $result[(int) $store->id][$balanceDate] = $this->emptyMatch('unmatched');
+                        continue;
+                    }
+                }
+
+                if ($matches->count() !== 1) {
+                    $result[(int) $store->id][$balanceDate] = $this->emptyMatch('ambiguous');
+                    continue;
+                }
+
+                $match = $matches->first();
+                $result[(int) $store->id][$balanceDate] = [
+                    'status' => 'matched',
+                    'balance' => (float) $match->balance,
+                    'source_store_name' => (string) $match->store_name,
+                    'source_platform' => $match->source_platform === null ? null : (string) $match->source_platform,
+                ];
+            }
         }
 
         return $result;

resources/views/business/pages/fund-management/withdrawal-management.blade.php

@@ -25,11 +25,21 @@
         ['key' => 'withdrawal_path', 'label' => '提现路径', 'numeric' => false, 'title' => null],
         ['key' => 'withdrawal_account', 'label' => '提现账户名称', 'numeric' => false, 'title' => null],
         ['key' => 'bank_card', 'label' => '银行卡号', 'numeric' => false, 'title' => null],
-        ['key' => 'balance', 'label' => $withdrawalBalanceColumnLabel, 'numeric' => true, 'title' => '余额数据日期：' . $withdrawalBalanceDate],
+        ...array_map(
+            static fn (array $day): array => [
+                'key' => $day['key'],
+                'label' => $day['label'],
+                'numeric' => true,
+                'title' => '余额数据日期：' . $day['date'],
+            ],
+            $withdrawalBalanceDays,
+        ),
+        ['key' => 'balance_alert', 'label' => '余额预警', 'numeric' => false, 'title' => '连续3个自然日余额一致且高于预留标准'],
         ['key' => 'reserve_standard', 'label' => '预留标准', 'numeric' => true, 'title' => null],
         ['key' => 'withdrawal_amount', 'label' => '提现金额', 'numeric' => true, 'title' => null],
         ['key' => 'compliance', 'label' => '是否达标', 'numeric' => false, 'title' => null],
     ];
+    $withdrawalAlertCount = count($withdrawalAlerts);
 @endphp
 
 <section class="biz-card mt-6 withdrawal-management" aria-label="提现配置列表">
@@ -45,6 +55,9 @@
                 @if ($withdrawalBalanceSummary['ambiguous'] > 0)
                     <span class="biz-badge biz-badge-no">多条匹配 {{ number_format($withdrawalBalanceSummary['ambiguous']) }} 条</span>
                 @endif
+                @if ($withdrawalAlertCount > 0)
+                    <span class="biz-badge withdrawal-alert-summary">连续3天未变动 {{ number_format($withdrawalAlertCount) }} 家</span>
+                @endif
             </div>
         </div>
         <div class="withdrawal-management__actions" aria-label="提现管理导入导出">
@@ -127,7 +140,7 @@
             data-finance-table-name="withdrawal-management-v4"
             data-finance-table-native
             data-withdrawal-table
-            data-column-storage-key="caiwu.withdrawal.columns.v1.{{ auth()->id() ?? 'guest' }}"
+            data-column-storage-key="caiwu.withdrawal.columns.v2.{{ auth()->id() ?? 'guest' }}"
         >
             <thead>
                 <tr>
@@ -167,20 +180,32 @@
                             ? '**** ' . $row->bank_card_last_four
                             : '未配置';
                         $balanceMatch = $withdrawalBalances[(int) $row->id] ?? ['status' => 'not_ready', 'balance' => null];
-                        $balanceText = match ($balanceMatch['status']) {
-                            'matched' => number_format((float) $balanceMatch['balance'], 2),
-                            'ambiguous' => '多条匹配',
-                            'unmatched' => '未匹配',
-                            default => '待同步',
-                        };
-                        $balanceTitle = $balanceMatch['status'] === 'matched'
-                            ? '聚水潭店铺：' . $balanceMatch['source_store_name'] . '；余额日期：' . $withdrawalBalanceDate
-                            : '余额日期：' . $withdrawalBalanceDate;
+                        $balanceCells = [];
+                        foreach ($withdrawalBalanceDays as $day) {
+                            $dayMatch = $withdrawalBalancesByDate[(int) $row->id][$day['date']]
+                                ?? ['status' => 'not_ready', 'balance' => null];
+                            $balanceCells[$day['key']] = [
+                                'matched' => $dayMatch['status'] === 'matched',
+                                'text' => match ($dayMatch['status']) {
+                                    'matched' => number_format((float) $dayMatch['balance'], 2),
+                                    'ambiguous' => '多条匹配',
+                                    'unmatched' => '未匹配',
+                                    default => '待同步',
+                                },
+                                'title' => $dayMatch['status'] === 'matched'
+                                    ? '聚水潭店铺：' . $dayMatch['source_store_name'] . '；余额日期：' . $day['date']
+                                    : '余额日期：' . $day['date'],
+                            ];
+                        }
                         $reserveStandard = $withdrawalReserveStandards[(int) $row->id] ?? null;
                         $withdrawalAmount = $withdrawalAmounts[(int) $row->id] ?? null;
                         $compliance = $withdrawalCompliance[(int) $row->id] ?? null;
+                        $alert = $withdrawalAlerts[(int) $row->id] ?? null;
+                        $hasCompleteAlertSeries = collect($balanceCells)->every(
+                            static fn (array $cell): bool => $cell['matched'],
+                        );
                     @endphp
-                    <tr>
+                    <tr @class(['is-withdrawal-warning' => $alert !== null])>
                         <td data-withdrawal-column="platform">{{ $row->store_platform ?: '未配置' }}</td>
                         <td data-withdrawal-column="erp_store_name">{{ $row->erp_store_name ?: '-' }}</td>
                         <td data-withdrawal-column="store_id">{{ $row->store_id ?: '-' }}</td>
@@ -188,7 +213,25 @@
                         <td data-withdrawal-column="withdrawal_path">{{ $row->withdrawal_path ?: '未配置' }}</td>
                         <td data-withdrawal-column="withdrawal_account">{{ $row->withdrawal_account_name ?: '未配置' }}</td>
                         <td data-withdrawal-column="bank_card">{{ $bankCard }}</td>
-                        <td class="num" data-withdrawal-column="balance" title="{{ $balanceTitle }}">{{ $balanceText }}</td>
+                        @foreach ($withdrawalBalanceDays as $day)
+                            <td class="num" data-withdrawal-column="{{ $day['key'] }}" title="{{ $balanceCells[$day['key']]['title'] }}">{{ $balanceCells[$day['key']]['text'] }}</td>
+                        @endforeach
+                        <td data-withdrawal-column="balance_alert">
+                            @if ($alert !== null)
+                                <a
+                                    class="withdrawal-alert-badge"
+                                    href="{{ route('business.pages.show', ['section' => 'other', 'page' => 'todos']) }}"
+                                    title="{{ $alert['message'] }}"
+                                >
+                                    <span class="material-icons-outlined" aria-hidden="true">warning_amber</span>
+                                    <span>连续3天未变动</span>
+                                </a>
+                            @elseif (! $hasCompleteAlertSeries)
+                                <span class="withdrawal-alert-none">数据不足</span>
+                            @else
+                                <span class="withdrawal-alert-none">未触发</span>
+                            @endif
+                        </td>
                         <td class="num" data-withdrawal-column="reserve_standard">{{ $reserveStandard === null ? '待配置' : number_format($reserveStandard, 2) }}</td>
                         <td class="num" data-withdrawal-column="withdrawal_amount">{{ $withdrawalAmount === null ? '待接入' : number_format($withdrawalAmount, 2) }}</td>
                         <td data-withdrawal-column="compliance">
@@ -203,7 +246,7 @@
                     </tr>
                 @empty
                     <tr>
-                        <td colspan="11">
+                        <td colspan="{{ count($withdrawalColumns) }}">
                             <div class="biz-empty">
                                 <span class="material-icons-outlined" aria-hidden="true">inbox</span>
                                 <div>暂无店铺收款账户，请先在店铺收款账户中维护。</div>
@@ -359,6 +402,12 @@
     .withdrawal-management .biz-btn-primary:hover { background: #6f5429; }
     .withdrawal-management__heading { display:flex; min-width:0; flex-direction:column; gap:.55rem; }
     .withdrawal-management__summary { display:flex; flex-wrap:wrap; gap:.35rem; }
+    .withdrawal-alert-summary { border-color:#d8b15d; background:#fff7df; color:#935f07; }
+    .withdrawal-management tbody tr.is-withdrawal-warning > td { background:#fffdf5; }
+    .withdrawal-alert-badge { display:inline-flex; align-items:center; gap:.25rem; white-space:nowrap; color:#935f07; font-size:.75rem; font-weight:600; text-decoration:none; }
+    .withdrawal-alert-badge:hover, .withdrawal-alert-badge:focus-visible { color:#6e4603; text-decoration:underline; outline:none; }
+    .withdrawal-alert-badge .material-icons-outlined { font-size:1rem; }
+    .withdrawal-alert-none { color:#595959; font-size:.75rem; }
     .withdrawal-management__actions { display:flex; flex:0 0 auto; align-items:center; gap:.5rem; margin-left:auto; }
     .withdrawal-management__actions .biz-btn { min-width:5.5rem; justify-content:center; }
     .withdrawal-table-head { display:flex; min-width:max-content; align-items:center; justify-content:space-between; gap:.35rem; }

resources/views/business/pages/todos.blade.php

@@ -1,36 +1,82 @@
-<div class="business-page-header">
-    <span class="business-page-title">{{ $title ?? '待办事项' }}</span>
-</div>
-<div class="business-table-container">
-    <table class="business-table">
-        <thead>
-            <tr>
-<th>序号</th>
+<section class="biz-card mt-6 todo-list" aria-label="待办事项">
+    <div class="biz-card-head">
+        <div>
+            <div class="biz-card-title">
+                <span class="material-icons-outlined" aria-hidden="true">task_alt</span>
+                <span>待办清单</span>
+            </div>
+            <p class="todo-list__description">集中展示系统预警和人工待办，保持事项从触发到处理的完整记录。</p>
+        </div>
+        <span class="biz-badge">{{ number_format($items->total()) }} 条</span>
+    </div>
+
+    <div class="biz-table-wrap">
+        <table class="biz-table" aria-label="待办事项表格">
+            <thead>
+                <tr>
+                    <th>序号</th>
                     <th>标题</th>
                     <th>分类</th>
                     <th>优先级</th>
                     <th>状态</th>
                     <th>截止日期</th>
                     <th>描述</th>
-
-            </tr>
-        </thead>
-        <tbody>
-            @foreach($items as $item)
-                <tr>
-<td>{{ $loop->iteration }}</td>
-                    <td>{{ $item->title }}</td>
-                    <td><span class="business-badge business-badge-info">{{ $item->category }}</span></td>
-                    <td><span class="business-badge business-badge-info">{{ $item->priority }}</span></td>
-                    <td><span class="business-badge business-badge-info">{{ $item->status }}</span></td>
-                    <td>{{ $item->due_date }}</td>
-                    <td>{{ $item->description }}</td>
-
                 </tr>
-            @endforeach
-            @if($items->isEmpty())
-                <tr><td colspan=7 style="text-align:center; color:#9ca3af; padding:2rem;">暂无数据</td></tr>
-            @endif
-        </tbody>
-    </table>
-</div>
+            </thead>
+            <tbody>
+                @forelse ($items as $item)
+                    <tr>
+                        <td>{{ $items->firstItem() + $loop->index }}</td>
+                        <td>{{ $item->title }}</td>
+                        <td><span class="biz-badge">{{ $item->category ?: '-' }}</span></td>
+                        <td>
+                            <span @class(['biz-badge', 'todo-list__priority' => $item->priority === '高'])>
+                                {{ $item->priority ?: '-' }}
+                            </span>
+                        </td>
+                        <td>
+                            <span @class(['biz-badge', 'biz-badge-no' => in_array($item->status, ['已完成', '已关闭'], true)])>
+                                {{ $item->status ?: '待处理' }}
+                            </span>
+                        </td>
+                        <td>{{ $item->due_date ?: '-' }}</td>
+                        <td class="todo-list__detail">{!! nl2br(e($item->description ?: '-')) !!}</td>
+                    </tr>
+                @empty
+                    <tr>
+                        <td colspan="7">
+                            <div class="biz-empty">
+                                <span class="material-icons-outlined" aria-hidden="true">inbox</span>
+                                <div>暂无待办事项。</div>
+                            </div>
+                        </td>
+                    </tr>
+                @endforelse
+            </tbody>
+        </table>
+    </div>
+
+    @if ($items->hasPages())
+        <div class="biz-pagination">
+            <span>共 {{ number_format($items->total()) }} 条 · 第 {{ $items->currentPage() }} / {{ $items->lastPage() }} 页</span>
+            <span>
+                @if ($items->onFirstPage())
+                    <span>‹ 上一页</span>
+                @else
+                    <a href="{{ $items->previousPageUrl() }}">‹ 上一页</a>
+                @endif
+                @if ($items->hasMorePages())
+                    <a href="{{ $items->nextPageUrl() }}">下一页 ›</a>
+                @else
+                    <span>下一页 ›</span>
+                @endif
+            </span>
+        </div>
+    @endif
+</section>
+
+<style>
+    .todo-list__description { margin:.35rem 0 0; color:#595959; font-size:.75rem; line-height:1.5; }
+    .todo-list__priority { border-color:#d8b15d; background:#fff7df; color:#935f07; }
+    .todo-list__detail { min-width:22rem; max-width:42rem; white-space:normal; line-height:1.65; }
+</style>

tests/Feature/Business/ManagementCrudTest.php

@@ -150,7 +150,10 @@ class ManagementCrudTest extends FeatureTestCase
             ->assertSeeText('TM-TEST-1001')
             ->assertSeeText('测试提现账户')
             ->assertSeeText('**** 4321')
-            ->assertSeeText('9月13日店铺余额')
+            ->assertSeeText('9月11日店铺余额')
+            ->assertSeeText('9月12日店铺余额')
+            ->assertSeeText('9月10日店铺余额')
+            ->assertSeeText('余额预警')
             ->assertSeeText('19,895.01')
             ->assertSeeText('余额源 1 条')
             ->assertSeeText('已显示余额 1 条')
@@ -186,7 +189,10 @@ class ManagementCrudTest extends FeatureTestCase
                 'data-withdrawal-column="withdrawal_path"',
                 'data-withdrawal-column="withdrawal_account"',
                 'data-withdrawal-column="bank_card"',
+                'data-withdrawal-column="balance_two_days_ago"',
+                'data-withdrawal-column="balance_yesterday"',
                 'data-withdrawal-column="balance"',
+                'data-withdrawal-column="balance_alert"',
                 'data-withdrawal-column="reserve_standard"',
                 'data-withdrawal-column="withdrawal_amount"',
                 'data-withdrawal-column="compliance"',

tests/Feature/Business/WithdrawalBalanceAlertTest.php

@@ -0,0 +1,219 @@
+<?php
+
+namespace Tests\Feature\Business;
+
+use App\Business\WithdrawalBalanceAlertSynchronizer;
+use App\Models\Auth\Permission;
+use App\Models\Business\StoreReceivingAccount;
+use App\Models\Business\Todo;
+use Illuminate\Routing\Middleware\ThrottleRequests;
+use Illuminate\Support\Carbon;
+use Illuminate\Support\Facades\DB;
+use Modules\EcommerceFinance\Repositories\JushuitanShopBalanceRepository;
+use Tests\Feature\FeatureTestCase;
+
+class WithdrawalBalanceAlertTest extends FeatureTestCase
+{
+    /** @var list<string> */
+    private array $temporaryFiles = [];
+
+    protected function setUp(): void
+    {
+        parent::setUp();
+
+        $this->user->attachPermission(
+            Permission::where('name', 'read-admin-panel')->firstOrFail(),
+        );
+        $this->withoutMiddleware(ThrottleRequests::class);
+    }
+
+    public function test_three_unchanged_balances_above_reserve_show_warning_and_create_one_todo(): void
+    {
+        Carbon::setTestNow('2026-10-24 10:00:00');
+
+        try {
+            $store = StoreReceivingAccount::query()->create([
+                'company_id' => $this->company->id,
+                'store_platform' => '京东',
+                'erp_store_name' => '京东-连续余额测试店',
+                'shop_name' => '京东-连续余额测试店',
+                'store_entity_name' => '连续余额测试主体',
+                'store_id' => 'JD-ALERT-001',
+            ]);
+
+            foreach (['2026-10-21', '2026-10-22', '2026-10-23'] as $date) {
+                $this->insertBalanceSnapshot($date, '京东-连续余额测试店', 8000);
+            }
+            $sync = app(WithdrawalBalanceAlertSynchronizer::class);
+            $firstSync = $sync->syncForDate((int) $this->company->id, '2026-10-23');
+            $secondSync = $sync->syncForDate((int) $this->company->id, '2026-10-23');
+            $this->assertSame(1, $firstSync['created']);
+            $this->assertSame(0, $firstSync['updated']);
+            $this->assertSame(0, $secondSync['created']);
+            $this->assertSame(0, $secondSync['updated']);
+
+            $url = route('business.pages.show', [
+                'company_id' => $this->company->id,
+                'section' => 'fund-management',
+                'page' => 'withdrawal-management',
+                'balance_date' => '2026-10-23',
+                'platform' => '京东',
+            ]);
+            $this->loginAs()->get($url)
+                ->assertOk()
+                ->assertSeeText('10月21日店铺余额')
+                ->assertSeeText('10月22日店铺余额')
+                ->assertSeeText('10月23日店铺余额')
+                ->assertSeeText('已显示余额 1 条')
+                ->assertSeeText('连续3天未变动')
+                ->assertSeeText('8,000.00');
+
+            $title = '提现余额连续3天未变动｜京东｜京东-连续余额测试店';
+            $todo = Todo::withoutGlobalScopes()->where('company_id', $this->company->id)->where('title', $title)->first();
+            $this->assertNotNull($todo);
+            $this->assertSame('提现余额预警', $todo->category);
+            $this->assertSame('高', $todo->priority);
+            $this->assertSame('待处理', $todo->status);
+            $this->assertStringContainsString('2026-10-21 至 2026-10-23', (string) $todo->description);
+            $this->assertStringContainsString((string) $store->store_entity_name, (string) $todo->description);
+
+            $this->get($url)->assertOk();
+            $this->assertSame(
+                1,
+                Todo::withoutGlobalScopes()
+                    ->where('company_id', $this->company->id)
+                    ->where('category', '提现余额预警')
+                    ->count(),
+            );
+
+            $this->get(route('business.pages.show', [
+                'company_id' => $this->company->id,
+                'section' => 'other',
+                'page' => 'todos',
+            ]))
+                ->assertOk()
+                ->assertSeeText($title)
+                ->assertSeeText('提现余额预警')
+                ->assertSeeText('连续余额测试主体');
+        } finally {
+            Carbon::setTestNow();
+        }
+    }
+
+    public function test_alert_requires_three_matched_days_an_exact_unchanged_value_and_a_strict_excess(): void
+    {
+        Carbon::setTestNow('2026-10-24 10:00:00');
+
+        try {
+            foreach (['等于预留标准店', '余额发生变动店', '缺少一天店'] as $name) {
+                StoreReceivingAccount::query()->create([
+                    'company_id' => $this->company->id,
+                    'store_platform' => '京东',
+                    'erp_store_name' => '京东-' . $name,
+                    'shop_name' => '京东-' . $name,
+                    'store_entity_name' => '预警边界测试主体',
+                ]);
+            }
+
+            foreach (['2026-10-21' => 5000, '2026-10-22' => 5000, '2026-10-23' => 5000] as $date => $balance) {
+                $this->insertBalanceSnapshot($date, '京东-等于预留标准店', $balance);
+            }
+            foreach (['2026-10-21' => 8000, '2026-10-22' => 8000, '2026-10-23' => 7999.99] as $date => $balance) {
+                $this->insertBalanceSnapshot($date, '京东-余额发生变动店', $balance);
+            }
+            foreach (['2026-10-22' => 8000, '2026-10-23' => 8000] as $date => $balance) {
+                $this->insertBalanceSnapshot($date, '京东-缺少一天店', $balance);
+            }
+            $sync = app(WithdrawalBalanceAlertSynchronizer::class)->syncForDate(
+                (int) $this->company->id,
+                '2026-10-23',
+            );
+            $this->assertSame(0, $sync['created']);
+
+            $this->loginAs()->get(route('business.pages.show', [
+                'company_id' => $this->company->id,
+                'section' => 'fund-management',
+                'page' => 'withdrawal-management',
+                'balance_date' => '2026-10-23',
+                'platform' => '京东',
+            ]))->assertOk()->assertSeeText('未触发')->assertSeeText('数据不足');
+
+            $this->assertSame(0, DB::table('business_todos')->count());
+        } finally {
+            Carbon::setTestNow();
+        }
+    }
+
+    public function test_successful_balance_import_runs_alert_generation_automatically(): void
+    {
+        Carbon::setTestNow('2026-10-24 10:00:00');
+
+        try {
+            StoreReceivingAccount::query()->create([
+                'company_id' => $this->company->id,
+                'store_platform' => '京东',
+                'erp_store_name' => '京东-导入预警测试店',
+                'shop_name' => '京东-导入预警测试店',
+                'store_entity_name' => '导入预警测试主体',
+            ]);
+            $this->insertBalanceSnapshot('2026-10-21', '京东-导入预警测试店', 7000);
+            $this->insertBalanceSnapshot('2026-10-22', '京东-导入预警测试店', 7000);
+
+            $path = sys_get_temp_dir() . '/jst-balance-alert-' . uniqid('', true) . '.json';
+            $this->temporaryFiles[] = $path;
+            file_put_contents($path, json_encode([
+                'fldHeads' => [
+                    ['title' => '店铺', 'fld' => '店铺'],
+                    ['title' => '平台实际期末余额', 'fld' => '平台实际期末余额'],
+                ],
+                'dataList' => [
+                    ['店铺' => '京东-导入预警测试店', '平台实际期末余额' => 7000],
+                ],
+            ], JSON_UNESCAPED_UNICODE | JSON_THROW_ON_ERROR));
+
+            $this->artisan('business:import-jushuitan-shop-balances', [
+                'path' => $path,
+                '--balance-date' => '2026-10-23',
+                '--scope' => 'jd-wallet',
+            ])->assertExitCode(0);
+            $this->assertDatabaseHas('business_todos', [
+                'company_id' => $this->company->id,
+                'title' => '提现余额连续3天未变动｜京东｜京东-导入预警测试店',
+                'category' => '提现余额预警',
+                'status' => '待处理',
+            ]);
+        } finally {
+            Carbon::setTestNow();
+        }
+    }
+
+    protected function tearDown(): void
+    {
+        foreach ($this->temporaryFiles as $path) {
+            if (is_file($path)) {
+                unlink($path);
+            }
+        }
+
+        parent::tearDown();
+    }
+
+    private function insertBalanceSnapshot(string $date, string $storeName, float $balance): void
+    {
+        DB::connection('business_mirror')->table(JushuitanShopBalanceRepository::TABLE)->insert([
+            'balance_date' => $date,
+            'source_scope' => 'jd-wallet',
+            'source_platform' => '京东',
+            'store_name' => $storeName,
+            'normalized_store_name' => JushuitanShopBalanceRepository::normalizeStoreName($storeName),
+            'platform_account_id' => 'fixture-' . $storeName,
+            'balance' => $balance,
+            'source_row_key' => hash('sha256', $date . '|' . $storeName),
+            'source_file_name' => 'fixture.xlsx',
+            'source_sha256' => hash('sha256', 'fixture-' . $date . '-' . $storeName),
+            'imported_at' => now(),
+            'created_at' => now(),
+            'updated_at' => now(),
+        ]);
+    }
+}

tests/Feature/Business/WithdrawalManagementImportExportTest.php

@@ -141,11 +141,14 @@ class WithdrawalManagementImportExportTest extends FeatureTestCase
             $sheet = $spreadsheet->getActiveSheet();
             $this->assertSame([
                 ...self::HEADERS,
-                now()->format('n月j日') . '店铺余额',
+                now()->subDays(3)->format('n月j日') . '店铺余额',
+                now()->subDays(2)->format('n月j日') . '店铺余额',
+                now()->subDay()->format('n月j日') . '店铺余额',
+                '余额预警',
                 '预留标准',
                 '提现金额',
                 '是否达标',
-            ], $sheet->rangeToArray('A1:K1')[0]);
+            ], $sheet->rangeToArray('A1:N1')[0]);
             $this->assertSame(2, $sheet->getHighestDataRow());
             $this->assertSame('导出目标店', $sheet->getCell('B2')->getValue());
             $this->assertSame('00001234', $sheet->getCell('C2')->getValue());
@@ -368,7 +371,14 @@ class WithdrawalManagementImportExportTest extends FeatureTestCase
             $mirror = Mockery::mock(JushuitanShopBalanceRepository::class);
             $mirror->shouldReceive('latestBalanceDate')->andReturn('2026-09-23');
             $mirror->shouldReceive('availableDates')->andReturn(['2026-09-23', '2026-09-22']);
-            $mirror->shouldReceive('matchesForStores')->andReturn($balances);
+            $historyDates = ['2026-09-21', '2026-09-22', '2026-09-23'];
+            $balancesByDate = [];
+            foreach (array_keys($balances) as $storeId) {
+                foreach ($historyDates as $date) {
+                    $balancesByDate[$storeId][$date] = $balances[$storeId];
+                }
+            }
+            $mirror->shouldReceive('matchesForStoresOnDates')->andReturn($balancesByDate);
             $mirror->shouldReceive('countForDate')->andReturn(6);
             $this->app->instance(JushuitanShopBalanceRepository::class, $mirror);
 
@@ -399,8 +409,8 @@ class WithdrawalManagementImportExportTest extends FeatureTestCase
                 $values = [];
                 for ($row = 2; $row <= $sheet->getHighestDataRow(); $row++) {
                     $values[(string) $sheet->getCell("B{$row}")->getValue()] = [
-                        $sheet->getCell("J{$row}")->getValue(),
-                        $sheet->getCell("K{$row}")->getValue(),
+                        $sheet->getCell("M{$row}")->getValue(),
+                        $sheet->getCell("N{$row}")->getValue(),
                     ];
                 }
                 $this->assertSame([5000.0, '是'], $values['达标测试店']);
@@ -482,9 +492,10 @@ class WithdrawalManagementImportExportTest extends FeatureTestCase
             ]));
 
             $response->assertOk()
-                ->assertSeeText('10月20日店铺余额')
+                ->assertSeeText('10月14日店铺余额')
+                ->assertSeeText('10月15日店铺余额')
                 ->assertSeeText('12,345.67')
-                ->assertDontSeeText('99,999.99')
+                ->assertSeeText('99,999.99')
                 ->assertSee('余额日期：2026-10-15', false);
 
             $historyResponse->assertOk()