refactor: centralize refund total and refund inconsistent logic on PlatformOrder

app/Models/PlatformOrder.php

@@ -10,6 +10,41 @@ class PlatformOrder extends Model
 {
     use HasFactory;
 
+    public function refundTotal(): float
+    {
+        // 优先读扁平字段 refund_summary.total_amount
+        $total = data_get($this->meta, 'refund_summary.total_amount');
+        if ($total !== null) {
+            return (float) $total;
+        }
+
+        // 回退：遍历 refund_receipts[].amount
+        $refunds = (array) (data_get($this->meta, 'refund_receipts', []) ?? []);
+        $sum = 0.0;
+        foreach ($refunds as $r) {
+            $sum += (float) (data_get($r, 'amount') ?? 0);
+        }
+
+        return $sum;
+    }
+
+    public function isRefundInconsistent(): bool
+    {
+        // 口径与平台订单列表 refund_inconsistent 保持一致：按分取整 + 0.01 容差
+        $refundTotal = (float) $this->refundTotal();
+        $paidAmount = (float) ($this->paid_amount ?? 0);
+
+        $refundCents = (int) round($refundTotal * 100);
+        $paidCents = (int) round($paidAmount * 100);
+
+        if ((string) $this->payment_status === 'refunded') {
+            // 允许 0.01 容差：refund_total + 0.01 < paid
+            return ($refundCents + 1) < $paidCents;
+        }
+
+        return $paidCents > 0 && $refundCents >= $paidCents;
+    }
+
     protected $fillable = [
         'merchant_id', 'plan_id', 'site_subscription_id', 'created_by_admin_id', 'order_no', 'order_type', 'status',
         'payment_status', 'payment_channel', 'plan_name', 'billing_cycle', 'period_months', 'quantity', 'list_amount',