余额提现流程

5. 余额提现流程（买家端）

会员在满足实名与收款账户绑定等条件后申请提现，通过金额与密码校验后冻结资金，经平台审核与打款，成功扣款到账或失败/拒绝则解冻并通知。

参与角色：买家/消费者、平台（审核/打款）

flowchart TD
    Start([会员中心 - 我的资产]) --> ClickWithdraw[点击"申请提现"]
    ClickWithdraw --> CheckCondition{提现前置条件检查}

    CheckCondition -->|未实名认证| NeedVerify[提示需完成实名认证]
    NeedVerify --> GoVerify[去实名认证]
    GoVerify --> End1([实名认证流程])

    CheckCondition -->|未绑定收款账户| NeedBind[提示需绑定收款账户]
    NeedBind --> BindAccount[绑定银行卡/支付宝]
    BindAccount --> CheckCondition

    CheckCondition -->|条件满足| ShowWithdrawPage[进入提现页面]

    ShowWithdrawPage --> ShowAvailable[展示可提现余额]
    ShowAvailable --> SelectAccount[选择提现账户]
    SelectAccount --> AccountType{提现到}
    AccountType -->|银行卡| BankCard[选择已绑定银行卡]
    AccountType -->|支付宝| AlipayAccount[选择已绑定支付宝账号]
    AccountType -->|微信| WechatAccount[选择已绑定微信]

    BankCard --> InputWithdrawAmount
    AlipayAccount --> InputWithdrawAmount
    WechatAccount --> InputWithdrawAmount

    InputWithdrawAmount[输入提现金额] --> CheckAmount{金额校验}
    CheckAmount -->|低于最低提现额| MinAmountError[提示低于最低提现金额]
    MinAmountError --> InputWithdrawAmount
    CheckAmount -->|超过可提现余额| MaxAmountError[提示超过可提现余额]
    MaxAmountError --> InputWithdrawAmount
    CheckAmount -->|校验通过| ShowFeeInfo[展示手续费信息]

    ShowFeeInfo --> FeeCalc["手续费计算：\n提现金额 × 手续费率\n实际到账 = 提现金额 - 手续费"]
    FeeCalc --> ConfirmWithdraw[确认提现信息]

    ConfirmWithdraw --> InputPassword[输入支付密码]
    InputPassword --> VerifyPwd{密码是否正确}
    VerifyPwd -->|否| PwdError[提示密码错误]
    PwdError --> InputPassword
    VerifyPwd -->|是| SubmitApply[提交提现申请]

    SubmitApply --> FreezeBalance[冻结提现金额]
    FreezeBalance --> WaitReview["等待平台审核"]

    WaitReview --> AdminReview{平台审核}
    AdminReview -->|通过| ApproveWithdraw[审核通过]
    AdminReview -->|拒绝| RejectWithdraw[审核拒绝]

    ApproveWithdraw --> TransferMoney[执行打款]
    TransferMoney --> TransferResult{打款结果}
    TransferResult -->|成功| DeductBalance[扣减账户余额]
    DeductBalance --> WithdrawSuccess[提现成功]
    WithdrawSuccess --> NotifySuccess[通知会员提现到账]
    NotifySuccess --> End2([提现完成])

    TransferResult -->|失败| TransferFail[打款失败]
    TransferFail --> UnfreezeBalance[解冻提现金额]
    UnfreezeBalance --> NotifyFail[通知会员提现失败]
    NotifyFail --> End3([提现失败])

    RejectWithdraw --> UnfreezeBalance2[解冻提现金额]
    UnfreezeBalance2 --> NotifyReject[通知会员拒绝原因]
    NotifyReject --> End4([可重新申请])

步骤说明

点击申请提现，校验是否已实名、是否已绑定收款账户；未满足则引导实名或绑定后重试。
进入提现页，查看可提现余额，选择提现到银行卡/支付宝/微信。
输入提现金额，校验不低于最低额且不超过可提现余额；展示手续费与实际到账。
确认后输入支付密码，错误可重试，正确则提交申请并冻结对应余额。
平台审核：通过则打款；打款成功则扣减余额并通知到账；打款失败则解冻并通知。
审核拒绝则解冻并通知原因，可再次申请。
流程结束。