feat: 对接越南AlinPay支付网关（代收+代付）

- 新增 AlinPay 网关核心类：签名/验签/代收/代付/查询/账户接口
- 新增 alinPay trait：充值发起 + 代收回调结算（事务+行锁）
- 修改 admin/agent Report：提现审批自动路由 ALIN_VN 发起代付
- 新增 Pcapi：银行卡提现申请 + 越南银行列表接口
- 修改 Crypto：代付回调/订单查询/账户查询入口
- 新增越南区 area_list(id=3) + alinPay pay_list 配置
- DDL: user_withdraw 表增加 pay_channel/ext 字段

application/onlinechip/controller/Pcapi.php

@@ -3966,6 +3966,121 @@ class Pcapi extends Controller{
 
     }
 
+    // 申请银行卡提现（越南AlinPay）
+    public function apply_withdraw_bank(){
+        header('Access-Control-Allow-Origin: *');
+        header("Access-Control-Allow-Headers: token, Origin, X-Requested-With, Content-Type, Accept, Authorization");
+        header('Access-Control-Allow-Methods: POST,GET,PUT,DELETE');
+        if(Request::instance()->isPost()){
+            $json_arr = decrypt_data(Request::instance()->post());
+            if($json_arr){
+                $userId        = intval($json_arr['user_id']);
+                $amount        = floatval($json_arr['amount']);
+                $accountName   = trim($json_arr['account_name'] ?? '');
+                $accountNumber = trim($json_arr['account_number'] ?? '');
+                $bankCode      = trim($json_arr['bank_code'] ?? '');
+                $bankName      = trim($json_arr['bank_name'] ?? '');
+
+                if(!$amount || $amount <= 0){
+                    return json(array('Success' => 0, 'Msg' => 'Số tiền rút không hợp lệ'));
+                }
+                if(empty($accountName)){
+                    return json(array('Success' => 0, 'Msg' => 'Tên tài khoản không được để trống'));
+                }
+                if(empty($accountNumber)){
+                    return json(array('Success' => 0, 'Msg' => 'Số tài khoản không được để trống'));
+                }
+                if(empty($bankName)){
+                    return json(array('Success' => 0, 'Msg' => 'Tên ngân hàng không được để trống'));
+                }
+
+                $user = Db::name('user')->where(array('id' => $userId))->find();
+                if($user){
+                    Db::startTrans();
+
+                    $user = Db::name('user')->where(array('id' => $userId))->lock(true)->find();
+                    $system = Db::name('system')->find();
+                    $money = $user['money'];
+                    $withdrawMoney = empty($system['withdraw_money']) ? 100 : $system['withdraw_money'];
+                    $withdrawFee = empty($system['withdraw_fee']) ? 1 : $system['withdraw_fee'];
+
+                    // 计算积分兑换
+                    $amountMoney = $withdrawMoney/100*($amount);
+                    $feeMoney = $withdrawMoney/100*($withdrawFee);
+                    $needMoney = $amountMoney + $feeMoney;
+                    if($needMoney > $money){
+                        Db::rollback();
+                        return json(array('Success' => 0, 'Msg' => 'Số dư không đủ'));
+                    }
+                    $afterMoney = $money - $needMoney;
+
+                    // 银行卡信息存入ext
+                    $ext = json_encode([
+                        'accountName'   => $accountName,
+                        'accountNumber' => $accountNumber,
+                        'bankCode'      => $bankCode,
+                        'bankName'      => $bankName,
+                    ], JSON_UNESCAPED_UNICODE);
+
+                    // 写入提现申请
+                    $res = Db::name('user_withdraw')->insert([
+                        'order_no'          => createOrderNo('TX'),
+                        'user_id'           => $userId,
+                        'amount'            => $amount,
+                        'money'             => $amountMoney,
+                        'old_money'         => $money,
+                        'new_money'         => $afterMoney,
+                        'service_fee'       => $withdrawFee,
+                        'service_fee_money' => $feeMoney,
+                        'withdraw_rate'     => $withdrawFee,
+                        'to_address'        => $accountNumber,
+                        'pay_channel'       => 'ALIN_VN',
+                        'ext'               => $ext,
+                        'create_time'       => time()
+                    ]);
+                    if(!$res){
+                        Db::rollback();
+                        return json(array('Success' => 0, 'Msg' => 'Thao tác thất bại'));
+                    }
+
+                    // 扣除用户余额
+                    $res = Db::name('user')->where('id',$userId)->update([
+                        'money' => $afterMoney,
+                        'update_time' => time()
+                    ]);
+                    if(!$res){
+                        Db::rollback();
+                        return json(array('Success' => 0, 'Msg' => 'Thao tác thất bại'));
+                    }
+
+                    Db::commit();
+                    return json(array('Success' => 1, 'Msg' => 'Thành công, vui lòng chờ xử lý'));
+                }else{
+                    return json(array('Success' => 0, 'Msg' => 'Lấy thông tin thất bại'));
+                }
+            }
+        }
+    }
+
+    // 获取越南银行列表
+    public function get_bank_list_vn(){
+        header('Access-Control-Allow-Origin: *');
+        header("Access-Control-Allow-Headers: token, Origin, X-Requested-With, Content-Type, Accept, Authorization");
+        header('Access-Control-Allow-Methods: POST,GET,PUT,DELETE');
+
+        $banks = \pay\AlinPay::getBankCodes();
+        $list = [];
+        foreach($banks as $index => $name){
+            if(!empty($name)){
+                $list[] = [
+                    'code' => $name,
+                    'name' => $name,
+                ];
+            }
+        }
+        return json(array('Success' => 1, 'Data' => $list));
+    }
+
     // 取消提现
     public function cancel_withdraw(){
         header('Access-Control-Allow-Origin: *');