1、合作商余额查询

2、分油账户司机可用额度

server-tp6/app/api/service/order/Checkout.php

@@ -370,9 +370,30 @@ class Checkout extends BaseService
             'balance' => $this->user['balance'],
             'points' => $this->user['points'],
             'address_id' => $this->user['address_id'],
+            // 实名信息（分油实名制，下单前必须补全）：结算页据此拦截并跳去补全
+            'real_name' => (string)$this->user['real_name'],
+            'id_card' => (string)$this->user['id_card'],
+            'plate_no' => (string)$this->user['plate_no'],
+            'isRealnameReady' => UserModel::isRealnameReady($this->user),
+            'hasOilGoods' => $this->hasOilGoods(),
+            'needRealname' => $this->hasOilGoods() && !UserModel::isRealnameReady($this->user),
         ];
     }
 
+    /**
+     * 本次结算是否包含油券商品（oilCardType = zsy_ticket）
+     * 油券要走企油通分油，必须有姓名/身份证号/车牌号
+     */
+    private function hasOilGoods(): bool
+    {
+        foreach ($this->goodsList as $goods) {
+            if (($goods['oilCardType'] ?? '') === 'zsy_ticket') {
+                return true;
+            }
+        }
+        return false;
+    }
+
     /**
      * 当前用户可用的优惠券列表
      * @param float $orderTotalPrice 总金额
@@ -757,6 +778,12 @@ class Checkout extends BaseService
                 return false;
             }
         }
+        // 油券商品要走企油通分油（实名制：上游做姓名+身份证号二要素认证），
+        // 下单前必须补全实名信息。结算页已拦截，这里是服务端兜底。
+        if ($this->hasOilGoods() && !UserModel::isRealnameReady($this->user)) {
+            $this->error = '请先完善姓名、身份证号和车牌号后再下单';
+            return false;
+        }
         return true;
     }