consumer模块完成95%，在和商家端对接聊天购物闭环

doc_mall/consumer/sql/03_wallet_functions.sql

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+-- 钱包相关存储过程
+
+-- 1. 充值函数
+create or replace function recharge_wallet(
+  p_user_id uuid, 
+  p_amount decimal
+)
+returns json
+language plpgsql
+security definer
+as $$
+declare
+  v_new_balance decimal;
+  v_wallet_exists boolean;
+begin
+  if p_amount <= 0 then
+    return json_build_object('success', false, 'message', '充值金额必须大于0');
+  end if;
+
+  -- 检查并锁定用户钱包行
+  select exists(select 1 from ml_user_wallets where user_id = p_user_id for update) into v_wallet_exists;
+  
+  if not v_wallet_exists then
+    -- 如果钱包不存在，创建它
+    insert into ml_user_wallets (user_id, balance) values (p_user_id, 0);
+  end if;
+
+  -- 更新余额
+  update ml_user_wallets 
+  set balance = balance + p_amount, updated_at = now()
+  where user_id = p_user_id
+  returning balance into v_new_balance;
+
+  -- 插入交易记录
+  insert into ml_wallet_transactions (user_id, amount, balance_after, type, description)
+  values (p_user_id, p_amount, v_new_balance, 'recharge', '账户在线充值');
+
+  return json_build_object('success', true, 'message', '充值成功', 'new_balance', v_new_balance);
+exception when others then
+  return json_build_object('success', false, 'message', SQLERRM);
+end;
+$$;
+
+-- 2. 提现函数
+create or replace function withdraw_wallet(
+  p_user_id uuid, 
+  p_amount decimal
+)
+returns json
+language plpgsql
+security definer
+as $$
+declare
+  v_current_balance decimal;
+  v_new_balance decimal;
+begin
+  if p_amount <= 0 then
+    return json_build_object('success', false, 'message', '提现金额必须大于0');
+  end if;
+
+  -- 检查并锁定用户钱包
+  select balance into v_current_balance from ml_user_wallets where user_id = p_user_id for update;
+  
+  if not found then
+    return json_build_object('success', false, 'message', '钱包不存在');
+  end if;
+
+  if v_current_balance < p_amount then
+     return json_build_object('success', false, 'message', '余额不足');
+  end if;
+
+  -- 扣除余额
+  update ml_user_wallets 
+  set balance = balance - p_amount, updated_at = now()
+  where user_id = p_user_id
+  returning balance into v_new_balance;
+
+  -- 插入交易记录
+  insert into ml_wallet_transactions (user_id, amount, balance_after, type, description)
+  values (p_user_id, -p_amount, v_new_balance, 'withdraw', '余额提现');
+
+  return json_build_object('success', true, 'message', '提现申请提交成功', 'new_balance', v_new_balance);
+exception when others then
+  return json_build_object('success', false, 'message', SQLERRM);
+end;
+$$;