压缩历史至 95081aff

internal/apps/dispute/errs.go

@@ -0,0 +1,26 @@
+/*
+Copyright 2025 linux.do
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package dispute
+
+const (
+	OrderNotFoundForDispute  = "订单不存在"
+	DisputeNotFound          = "争议不存在"
+	NotOrderMerchant         = "您不是该订单的商家"
+	ReasonRequiredForRefusal = "拒绝退款时必须提供理由"
+	DisputeTimeWindowExpired = "订单已交易完成,超过争议时间窗口,无法发起争议"
+	DuplicateDispute         = "无法重复发起争议，如仍有疑问请联系商家或LINUX DO Credit 团队"
+)

internal/apps/dispute/routers.go

@@ -0,0 +1,449 @@
+/*
+Copyright 2025 linux.do
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package dispute
+
+import (
+	"errors"
+	"net/http"
+	"strings"
+	"time"
+
+	"github.com/gin-gonic/gin"
+	"github.com/linux-do/credit/internal/apps/oauth"
+	"github.com/linux-do/credit/internal/db"
+	"github.com/linux-do/credit/internal/model"
+	"github.com/linux-do/credit/internal/util"
+	"github.com/shopspring/decimal"
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+// ListDisputesRequest 查询争议列表请求
+type ListDisputesRequest struct {
+	Page      int     `json:"page" form:"page" binding:"min=1"`
+	PageSize  int     `json:"page_size" form:"page_size" binding:"min=1,max=100"`
+	Status    string  `json:"status" form:"status" binding:"omitempty,oneof=disputing refund closed"`
+	DisputeID *uint64 `json:"dispute_id,string" form:"dispute_id" binding:"omitempty"`
+}
+
+// ListDisputesResponse 查询争议列表响应
+type ListDisputesResponse struct {
+	Total    int64 `json:"total"`
+	Page     int   `json:"page"`
+	PageSize int   `json:"page_size"`
+	Disputes []struct {
+		model.Dispute
+		OrderName     string          `json:"order_name"`
+		PayeeUsername string          `json:"payee_username"`
+		Amount        decimal.Decimal `json:"amount"`
+	} `json:"disputes"`
+}
+
+// ListDisputes 查询当前用户作为发起者的争议订单
+// @Tags order
+// @Accept json
+// @Produce json
+// @Param request body ListDisputesRequest false "request body"
+// @Success 200 {object} util.ResponseAny
+// @Router /api/v1/order/disputes [post]
+func ListDisputes(c *gin.Context) {
+	var req ListDisputesRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		c.JSON(http.StatusBadRequest, util.Err(err.Error()))
+		return
+	}
+
+	user, _ := util.GetFromContext[*model.User](c, oauth.UserObjKey)
+
+	baseQuery := db.DB(c.Request.Context()).Model(&model.Dispute{}).
+		Select("disputes.*, orders.order_name, payee_user.username as payee_username, orders.amount, initiator_user.username as initiator_username, handler_user.username as handler_username").
+		Joins("JOIN orders ON disputes.order_id = orders.id").
+		Joins("JOIN users as payee_user ON orders.payee_user_id = payee_user.id").
+		Joins("JOIN users as initiator_user ON disputes.initiator_user_id = initiator_user.id").
+		Joins("LEFT JOIN users as handler_user ON disputes.handler_user_id = handler_user.id").
+		Where("disputes.initiator_user_id = ?", user.ID)
+
+	if req.Status != "" {
+		baseQuery = baseQuery.Where("disputes.status = ?", model.DisputeStatus(req.Status))
+	}
+	if req.DisputeID != nil {
+		baseQuery = baseQuery.Where("disputes.id = ?", req.DisputeID)
+	}
+
+	var total int64
+	if err := baseQuery.Count(&total).Error; err != nil {
+		c.JSON(http.StatusInternalServerError, util.Err(err.Error()))
+		return
+	}
+
+	response := &ListDisputesResponse{
+		Total:    total,
+		Page:     req.Page,
+		PageSize: req.PageSize,
+	}
+
+	offset := (req.Page - 1) * req.PageSize
+	if err := baseQuery.Order("disputes.created_at DESC").Offset(offset).Limit(req.PageSize).Find(&response.Disputes).Error; err != nil {
+		c.JSON(http.StatusInternalServerError, util.Err(err.Error()))
+		return
+	}
+
+	c.JSON(http.StatusOK, util.OK(response))
+}
+
+// ListMerchantDisputes 查询当前用户作为商家的争议订单
+// @Tags order
+// @Accept json
+// @Produce json
+// @Param request body ListDisputesRequest false "request body"
+// @Success 200 {object} util.ResponseAny
+// @Router /api/v1/order/disputes/merchant [post]
+func ListMerchantDisputes(c *gin.Context) {
+	var req ListDisputesRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		c.JSON(http.StatusBadRequest, util.Err(err.Error()))
+		return
+	}
+
+	user, _ := util.GetFromContext[*model.User](c, oauth.UserObjKey)
+
+	baseQuery := db.DB(c.Request.Context()).Model(&model.Dispute{}).
+		Select("disputes.*, orders.order_name, payee_user.username as payee_username, orders.amount, initiator_user.username as initiator_username, handler_user.username as handler_username").
+		Joins("JOIN orders ON disputes.order_id = orders.id").
+		Joins("JOIN users as payee_user ON orders.payee_user_id = payee_user.id").
+		Joins("JOIN users as initiator_user ON disputes.initiator_user_id = initiator_user.id").
+		Joins("LEFT JOIN users as handler_user ON disputes.handler_user_id = handler_user.id").
+		Where("orders.payee_user_id = ?", user.ID)
+
+	if req.Status != "" {
+		baseQuery = baseQuery.Where("disputes.status = ?", model.DisputeStatus(req.Status))
+	}
+	if req.DisputeID != nil {
+		baseQuery = baseQuery.Where("disputes.id = ?", req.DisputeID)
+	}
+
+	var total int64
+	if err := baseQuery.Count(&total).Error; err != nil {
+		c.JSON(http.StatusInternalServerError, util.Err(err.Error()))
+		return
+	}
+
+	response := &ListDisputesResponse{
+		Total:    total,
+		Page:     req.Page,
+		PageSize: req.PageSize,
+	}
+
+	offset := (req.Page - 1) * req.PageSize
+	if err := baseQuery.Order("disputes.created_at DESC").Offset(offset).Limit(req.PageSize).Find(&response.Disputes).Error; err != nil {
+		c.JSON(http.StatusInternalServerError, util.Err(err.Error()))
+		return
+	}
+
+	c.JSON(http.StatusOK, util.OK(response))
+}
+
+// CreateDisputeRequest 发起争议请求
+type CreateDisputeRequest struct {
+	OrderID uint64 `json:"order_id,string" binding:"required"`
+	Reason  string `json:"reason" binding:"required,max=100"`
+}
+
+// CreateDispute 发起争议
+// @Tags order
+// @Accept json
+// @Produce json
+// @Param request body CreateDisputeRequest true "request body"
+// @Success 200 {object} util.ResponseAny
+// @Router /api/v1/order/dispute [post]
+func CreateDispute(c *gin.Context) {
+	var req CreateDisputeRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		c.JSON(http.StatusBadRequest, util.Err(err.Error()))
+		return
+	}
+
+	user, _ := util.GetFromContext[*model.User](c, oauth.UserObjKey)
+
+	// 获取争议时间窗口配置（小时）
+	disputeTimeHours, errKey := model.GetIntByKey(c.Request.Context(), model.ConfigKeyDisputeTimeWindowHours)
+	if errKey != nil {
+		c.JSON(http.StatusInternalServerError, util.Err(errKey.Error()))
+		return
+	}
+
+	dispute := model.Dispute{
+		OrderID:         req.OrderID,
+		InitiatorUserID: user.ID,
+		Reason:          req.Reason,
+		Status:          model.DisputeStatusDisputing,
+	}
+
+	if err := db.DB(c.Request.Context()).Transaction(
+		func(tx *gorm.DB) error {
+			var order model.Order
+			if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+				Where("id = ? AND payer_user_id = ? AND status = ? AND type IN ?", req.OrderID, user.ID, model.OrderStatusSuccess, []model.OrderType{model.OrderTypePayment, model.OrderTypeOnline}).
+				First(&order).Error; err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errors.New(OrderNotFoundForDispute)
+				}
+				return err
+			}
+
+			// 检查是否在争议时间窗口内
+			// 订单支付时间 + 争议时间窗口 <= 当前时间，则无法发起争议
+			disputeDeadline := order.TradeTime.Add(time.Duration(disputeTimeHours) * time.Hour)
+			if time.Now().After(disputeDeadline) {
+				return errors.New(DisputeTimeWindowExpired)
+			}
+
+			if err := tx.Create(&dispute).Error; err != nil {
+				return err
+			}
+
+			// 更新订单状态为争议中
+			if err := tx.Model(&order).Update("status", model.OrderStatusDisputing).Error; err != nil {
+				return err
+			}
+
+			return nil
+		},
+	); err != nil {
+		errMsg := err.Error()
+		if errMsg == OrderNotFoundForDispute {
+			c.JSON(http.StatusNotFound, util.Err(OrderNotFoundForDispute))
+		} else if errMsg == DisputeTimeWindowExpired {
+			c.JSON(http.StatusBadRequest, util.Err(DisputeTimeWindowExpired))
+		} else if strings.Contains(errMsg, "SQLSTATE 23505") {
+			c.JSON(http.StatusBadRequest, util.Err(DuplicateDispute))
+		} else {
+			c.JSON(http.StatusInternalServerError, util.Err(errMsg))
+		}
+		return
+	}
+
+	c.JSON(http.StatusOK, util.OK(dispute))
+}
+
+// RefundReviewRequest 退款审核请求
+type RefundReviewRequest struct {
+	DisputeID uint64 `json:"dispute_id,string" binding:"required"`
+	Status    string `json:"status" binding:"required,oneof=refund closed"`
+	Reason    string `json:"reason" binding:"omitempty,max=100"`
+}
+
+// RefundReview 退款审核（同意/拒绝）
+// @Tags order
+// @Accept json
+// @Produce json
+// @Param request body RefundReviewRequest true "request body"
+// @Success 200 {object} util.ResponseAny
+// @Router /api/v1/order/refund-review [post]
+func RefundReview(c *gin.Context) {
+	var req RefundReviewRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		c.JSON(http.StatusBadRequest, util.Err(err.Error()))
+		return
+	}
+	status := model.DisputeStatus(req.Status)
+
+	if status == model.DisputeStatusClosed && req.Reason == "" {
+		c.JSON(http.StatusBadRequest, util.Err(ReasonRequiredForRefusal))
+		return
+	}
+
+	merchantUser, _ := util.GetFromContext[*model.User](c, oauth.UserObjKey)
+
+	if err := db.DB(c.Request.Context()).Transaction(
+		func(tx *gorm.DB) error {
+			var dispute model.Dispute
+			if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+				Where("id = ? AND status = ?", req.DisputeID, model.DisputeStatusDisputing).
+				First(&dispute).Error; err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errors.New(DisputeNotFound)
+				}
+				return err
+			}
+
+			var order model.Order
+			if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+				Where("id = ? AND payee_user_id = ? AND status = ? AND type IN ?", dispute.OrderID, merchantUser.ID, model.OrderStatusDisputing, []model.OrderType{model.OrderTypePayment, model.OrderTypeOnline}).
+				First(&order).Error; err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errors.New(NotOrderMerchant)
+				}
+				return err
+			}
+
+			if status == model.DisputeStatusRefund {
+				var payerUser model.User
+				if err := payerUser.GetByID(tx, order.PayerUserID); err != nil {
+					return err
+				}
+
+				// 获取商家的支付配置
+				var merchantPayConfig model.UserPayConfig
+				if err := merchantPayConfig.GetByPayScore(tx, merchantUser.PayScore); err != nil {
+					return err
+				}
+
+				merchantScoreDecrease := order.Amount.Mul(merchantPayConfig.ScoreRate).Round(0).IntPart()
+				if err := tx.Model(&model.User{}).
+					Where("id = ?", merchantUser.ID).
+					UpdateColumns(map[string]interface{}{
+						"available_balance": gorm.Expr("available_balance - ?", order.Amount),
+						"total_receive":     gorm.Expr("total_receive - ?", order.Amount),
+						"pay_score":         gorm.Expr("pay_score - ?", merchantScoreDecrease),
+					}).Error; err != nil {
+					return err
+				}
+
+				if err := tx.Model(&model.User{}).
+					Where("id = ?", payerUser.ID).
+					UpdateColumns(map[string]interface{}{
+						"available_balance": gorm.Expr("available_balance + ?", order.Amount),
+						"total_payment":     gorm.Expr("total_payment - ?", order.Amount),
+						"pay_score":         gorm.Expr("pay_score - ?", order.Amount.Round(0).IntPart()),
+					}).Error; err != nil {
+					return err
+				}
+
+				if err := tx.Model(&model.Dispute{}).
+					Where("id = ?", dispute.ID).
+					Updates(map[string]interface{}{
+						"status":          model.DisputeStatusRefund,
+						"handler_user_id": merchantUser.ID,
+					}).Error; err != nil {
+					return err
+				}
+
+				if err := tx.Model(&model.Order{}).
+					Where("id = ?", order.ID).
+					Update("status", model.OrderStatusRefund).Error; err != nil {
+					return err
+				}
+			} else if status == model.DisputeStatusClosed {
+				updateData := map[string]interface{}{
+					"status":          model.DisputeStatusClosed,
+					"handler_user_id": merchantUser.ID,
+					"reason":          dispute.Reason + " [服务方拒绝理由: " + req.Reason + "]",
+				}
+
+				if err := tx.Model(&model.Dispute{}).
+					Where("id = ?", dispute.ID).
+					Updates(updateData).Error; err != nil {
+					return err
+				}
+
+				if err := tx.Model(&model.Order{}).
+					Where("id = ?", order.ID).
+					Update("status", model.OrderStatusRefused).Error; err != nil {
+					return err
+				}
+			}
+
+			return nil
+		},
+	); err != nil {
+		errMsg := err.Error()
+		if errMsg == DisputeNotFound {
+			c.JSON(http.StatusNotFound, util.Err(DisputeNotFound))
+		} else {
+			c.JSON(http.StatusInternalServerError, util.Err(errMsg))
+		}
+		return
+	}
+
+	c.JSON(http.StatusOK, util.OKNil())
+}
+
+// CloseDisputeRequest 关闭争议请求
+type CloseDisputeRequest struct {
+	DisputeID uint64 `json:"dispute_id,string" binding:"required"`
+}
+
+// CloseDispute 用户主动关闭争议（只能由发起者关闭）
+// @Tags order
+// @Accept json
+// @Produce json
+// @Param request body CloseDisputeRequest true "request body"
+// @Success 200 {object} util.ResponseAny
+// @Router /api/v1/order/dispute/close [post]
+func CloseDispute(c *gin.Context) {
+	var req CloseDisputeRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		c.JSON(http.StatusBadRequest, util.Err(err.Error()))
+		return
+	}
+
+	user, _ := util.GetFromContext[*model.User](c, oauth.UserObjKey)
+
+	if err := db.DB(c.Request.Context()).Transaction(
+		func(tx *gorm.DB) error {
+			var dispute model.Dispute
+			if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+				Where("id = ? AND initiator_user_id = ? AND status = ?", req.DisputeID, user.ID, model.DisputeStatusDisputing).
+				First(&dispute).Error; err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errors.New(DisputeNotFound)
+				}
+				return err
+			}
+
+			var order model.Order
+			if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+				Where("id = ? AND status = ? AND type IN ?", dispute.OrderID, model.OrderStatusDisputing, []model.OrderType{model.OrderTypePayment, model.OrderTypeOnline}).
+				First(&order).Error; err != nil {
+				if errors.Is(err, gorm.ErrRecordNotFound) {
+					return errors.New(OrderNotFoundForDispute)
+				}
+				return err
+			}
+
+			if err := tx.Model(&model.Dispute{}).
+				Where("id = ?", dispute.ID).
+				Updates(map[string]interface{}{
+					"status":          model.DisputeStatusClosed,
+					"handler_user_id": user.ID,
+				}).Error; err != nil {
+				return err
+			}
+
+			if err := tx.Model(&model.Order{}).
+				Where("id = ?", order.ID).
+				Update("status", model.OrderStatusSuccess).Error; err != nil {
+				return err
+			}
+
+			return nil
+		},
+	); err != nil {
+		errMsg := err.Error()
+		if errMsg == DisputeNotFound {
+			c.JSON(http.StatusNotFound, util.Err(DisputeNotFound))
+		} else if errMsg == OrderNotFoundForDispute {
+			c.JSON(http.StatusNotFound, util.Err(OrderNotFoundForDispute))
+		} else {
+			c.JSON(http.StatusInternalServerError, util.Err(errMsg))
+		}
+		return
+	}
+
+	c.JSON(http.StatusOK, util.OKNil())
+}

internal/apps/dispute/tasks.go

@@ -0,0 +1,199 @@
+/*
+Copyright 2025 linux.do
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package dispute
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"time"
+
+	"github.com/hibiken/asynq"
+	"github.com/linux-do/credit/internal/config"
+	"github.com/linux-do/credit/internal/db"
+	"github.com/linux-do/credit/internal/logger"
+	"github.com/linux-do/credit/internal/model"
+	"github.com/linux-do/credit/internal/task"
+	"github.com/linux-do/credit/internal/task/scheduler"
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+// HandleAutoRefundExpiredDisputes 处理所有过期争议的批量任务
+func HandleAutoRefundExpiredDisputes(ctx context.Context, t *asynq.Task) error {
+	// 获取争议时间窗口配置（小时）
+	disputeTimeHours, errGet := model.GetIntByKey(ctx, model.ConfigKeyDisputeTimeWindowHours)
+	if errGet != nil {
+		logger.ErrorF(ctx, "获取争议时间窗口配置失败: %v", errGet)
+		return errGet
+	}
+
+	pageSize := 1000
+	lastID := uint64(0)
+	currentDelay := 0 * time.Second
+
+	// 计算过期时间阈值：created_at < deadline 的争议需要自动退款
+	deadline := time.Now().Add(-time.Duration(disputeTimeHours) * time.Hour)
+
+	for {
+		var disputes []model.Dispute
+		if err := db.DB(ctx).
+			Where("id > ? AND status = ? AND created_at < ?",
+				lastID, model.DisputeStatusDisputing, deadline).
+			Order("id ASC").
+			Limit(pageSize).
+			Find(&disputes).Error; err != nil {
+			logger.ErrorF(ctx, "查询过期争议失败: %v", err)
+			return err
+		}
+
+		// 没有更多争议，退出循环
+		if len(disputes) == 0 {
+			break
+		}
+
+		for _, dispute := range disputes {
+			currentDelay += time.Duration(config.Config.Scheduler.DisputeAutoRefundDispatchIntervalSeconds) * time.Second
+
+			payload, _ := json.Marshal(map[string]interface{}{
+				"dispute_id": dispute.ID,
+			})
+
+			if _, errTask := scheduler.AsynqClient.Enqueue(
+				asynq.NewTask(task.AutoRefundSingleDisputeTask, payload),
+				asynq.ProcessIn(currentDelay),
+				asynq.MaxRetry(5),
+			); errTask != nil {
+				logger.ErrorF(ctx, "下发争议[ID:%d]自动退款任务失败: %v", dispute.ID, errTask)
+				return errTask
+			} else {
+				logger.InfoF(ctx, "下发争议[ID:%d]自动退款任务成功", dispute.ID)
+			}
+		}
+
+		lastID = disputes[len(disputes)-1].ID
+	}
+	return nil
+}
+
+// HandleAutoRefundSingleDispute 处理单个争议的自动退款任务
+func HandleAutoRefundSingleDispute(ctx context.Context, t *asynq.Task) error {
+	// 解析任务参数
+	var payload struct {
+		DisputeID uint64 `json:"dispute_id"`
+	}
+	if err := json.Unmarshal(t.Payload(), &payload); err != nil {
+		return fmt.Errorf("解析任务参数失败: %w", err)
+	}
+
+	if err := db.DB(ctx).Transaction(func(tx *gorm.DB) error {
+		var dispute model.Dispute
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+			Where("id = ? AND status = ?", payload.DisputeID, model.DisputeStatusDisputing).
+			First(&dispute).Error; err != nil {
+			if errors.Is(err, gorm.ErrRecordNotFound) {
+				logger.InfoF(ctx, "争议[ID:%d]已被处理或不存在，跳过", payload.DisputeID)
+				return nil // 已处理，不算错误
+			}
+			return err
+		}
+
+		var order model.Order
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE", Options: "NOWAIT"}).
+			Where(
+				"id = ? AND status = ? AND type IN ?",
+				dispute.OrderID,
+				model.OrderStatusDisputing,
+				[]model.OrderType{model.OrderTypePayment, model.OrderTypeOnline},
+			).
+			First(&order).Error; err != nil {
+			if errors.Is(err, gorm.ErrRecordNotFound) {
+				logger.ErrorF(ctx, "争议[ID:%d]关联订单[ID:%d]不存在或状态异常", payload.DisputeID, dispute.OrderID)
+				return nil // 订单状态异常，跳过
+			}
+			return err
+		}
+
+		// 获取付款方和收款方用户
+		var payerUser, payeeUser model.User
+		if err := payerUser.GetByID(tx, order.PayerUserID); err != nil {
+			return fmt.Errorf("查询付款方用户失败: %w", err)
+		}
+		if err := payeeUser.GetByID(tx, order.PayeeUserID); err != nil {
+			return fmt.Errorf("查询收款方用户失败: %w", err)
+		}
+
+		// 获取商家的支付配置
+		var merchantPayConfig model.UserPayConfig
+		if err := merchantPayConfig.GetByPayScore(tx, payeeUser.PayScore); err != nil {
+			return fmt.Errorf("查询商家支付配置失败: %w", err)
+		}
+
+		// 计算商家积分减少：订单金额 × 商家的 score_rate
+		merchantScoreDecrease := order.Amount.Mul(merchantPayConfig.ScoreRate).Round(0).IntPart()
+
+		// 商家(收款方)退款：扣除可用余额、总收款和积分
+		if err := tx.Model(&model.User{}).
+			Where("id = ?", payeeUser.ID).
+			UpdateColumns(map[string]interface{}{
+				"available_balance": gorm.Expr("available_balance - ?", order.Amount),
+				"total_receive":     gorm.Expr("total_receive - ?", order.Amount),
+				"pay_score":         gorm.Expr("pay_score - ?", merchantScoreDecrease),
+			}).Error; err != nil {
+			return fmt.Errorf("商家退款失败: %w", err)
+		}
+
+		// 付款方收到退款：增加可用余额，减少总支付和支付积分
+		if err := tx.Model(&model.User{}).
+			Where("id = ?", payerUser.ID).
+			UpdateColumns(map[string]interface{}{
+				"available_balance": gorm.Expr("available_balance + ?", order.Amount),
+				"total_payment":     gorm.Expr("total_payment - ?", order.Amount),
+				"pay_score":         gorm.Expr("pay_score - ?", order.Amount.Round(0).IntPart()),
+			}).Error; err != nil {
+			return fmt.Errorf("付款方退款失败: %w", err)
+		}
+
+		// 更新争议状态为已退款，handler_user_id 设为 0（系统自动处理）
+		if err := tx.Model(&model.Dispute{}).
+			Where("id = ?", dispute.ID).
+			Updates(map[string]interface{}{
+				"status":          model.DisputeStatusRefund,
+				"handler_user_id": 0,
+			}).Error; err != nil {
+			return fmt.Errorf("更新争议状态失败: %w", err)
+		}
+
+		// 更新订单状态为已退款
+		if err := tx.Model(&model.Order{}).
+			Where("id = ?", order.ID).
+			Update("status", model.OrderStatusRefund).Error; err != nil {
+			return fmt.Errorf("更新订单状态失败: %w", err)
+		}
+
+		logger.InfoF(ctx, "自动退款成功: 争议[ID:%d] 订单[ID:%d] 金额[%s] 付款方[%s] 商家[%s]",
+			dispute.ID, order.ID, order.Amount.String(), payerUser.Username, payeeUser.Username)
+
+		return nil
+	}); err != nil {
+		logger.ErrorF(ctx, "处理争议[ID:%d]自动退款失败: %v", payload.DisputeID, err)
+		return err
+	}
+
+	return nil
+}