✅ test: add tests

2026-06-23 14:52:00 +08:00
parent b46265cade
commit 5a7dd536b8
3 changed files with 1080 additions and 0 deletions
@@ -0,0 +1,857 @@
+import pytest
+from datetime import UTC, datetime
+from decimal import Decimal
+
+from pydantic import ValidationError
+
+from models.ref import ChannelRef, TransactionRef
+from models.transaction import (
+    ATMTransaction,
+    BaseTransaction,
+    DcFlag,
+    EcomPaymentTransaction,
+    FxRate,
+    MiscInTransaction,
+    MiscOutTransaction,
+    PaymentTransaction,
+    PosPaymentTransaction,
+    Transaction,
+    TransactionStatus,
+    TransferTransaction,
+)
+from ulid import ULID
+
+
+@pytest.fixture
+def channel_ref():
+    """创建渠道引用 fixture"""
+    from ulid import ULID
+
+    return ChannelRef(ref_id=ULID())
+
+
+@pytest.fixture
+def minimal_txn(channel_ref):
+    """创建最简交易 fixture"""
+    return BaseTransaction(
+        txn_date=datetime.now(UTC),
+        txn_amt=Decimal("100.00"),
+        txn_ccy="CNY",
+        dc_flag=DcFlag.DEBIT,
+        cp="商户A",
+        ref_channel=channel_ref,
+    )
+
+
+class TestBaseTransactionCreation:
+    """测试基础交易创建"""
+
+    def test_minimal_transaction(self, minimal_txn):
+        """最简交易创建"""
+        assert minimal_txn.txn_amt == Decimal("100.00")
+        assert minimal_txn.txn_ccy == "CNY"
+        assert minimal_txn.dc_flag == DcFlag.DEBIT
+        assert minimal_txn.cp == "商户A"
+        assert minimal_txn.txn_sts == TransactionStatus.COMPLETED
+        assert minimal_txn.version == 0
+        assert minimal_txn.ref_transactions == []
+        assert minimal_txn.deleted_at is None
+        assert minimal_txn.posting_amt is None
+        assert minimal_txn.comm_amt is None
+        assert minimal_txn.surcharge_amt is None
+        assert minimal_txn.disc_amt is None
+        assert minimal_txn.fx_rates is None
+        assert minimal_txn.acq_inst is None
+        assert minimal_txn.clearing_network is None
+        assert minimal_txn.description is None
+        assert minimal_txn.memo is None
+        assert minimal_txn.raw_description is None
+        assert minimal_txn.raw_data is None
+        assert minimal_txn.txn_scene is None
+
+    def test_full_transaction(self, channel_ref):
+        """完整字段交易 - 闲鱼卖电脑场景"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("5200.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="买家_小明",
+            posting_date=datetime.now(UTC),
+            posting_amt=Decimal("5148.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("52.00"),
+            comm_ccy="CNY",
+            txn_sts=TransactionStatus.COMPLETED,
+            acq_inst="支付宝",
+            description="出售 MacBook Pro 14寸 M3",
+            memo="二手电脑交易",
+            raw_description="闲鱼订单 20260622001",
+            raw_data={"platform": "闲鱼", "order_id": "20260622001", "item": "MacBook Pro"},
+            ref_channel=channel_ref,
+        )
+        assert txn.txn_amt == Decimal("5200.00")
+        assert txn.txn_ccy == "CNY"
+        assert txn.dc_flag == DcFlag.CREDIT
+        assert txn.posting_amt == Decimal("5148.00")
+        assert txn.posting_ccy == "CNY"
+        assert txn.comm_amt == Decimal("52.00")
+        assert txn.comm_ccy == "CNY"
+        assert txn.txn_sts == TransactionStatus.COMPLETED
+        assert txn.acq_inst == "支付宝"
+        assert txn.description == "出售 MacBook Pro 14寸 M3"
+        assert txn.memo == "二手电脑交易"
+        assert txn.raw_description == "闲鱼订单 20260622001"
+        assert txn.raw_data == {"platform": "闲鱼", "order_id": "20260622001", "item": "MacBook Pro"}
+
+    def test_cp_as_channel_ref(self, channel_ref):
+        """对手方为渠道引用"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("50.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp=channel_ref,
+            ref_channel=channel_ref,
+        )
+        assert isinstance(txn.cp, ChannelRef)
+        assert txn.cp.ref_type == "CHANNEL"
+
+    def test_cp_as_string(self, channel_ref):
+        """对手方为字符串"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("50.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+        )
+        assert txn.cp == "商户A"
+
+    def test_clearing_network(self, channel_ref):
+        """清算网络字段"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            clearing_network="银联",
+        )
+        assert txn.clearing_network == "银联"
+
+
+class TestAmtCcyPairValidation:
+    """测试金额/币种对校验"""
+
+    def test_all_pairs_none(self, minimal_txn):
+        """所有金额/币种对都为 None（应该通过）"""
+        assert minimal_txn.posting_amt is None
+        assert minimal_txn.comm_amt is None
+        assert minimal_txn.surcharge_amt is None
+        assert minimal_txn.disc_amt is None
+
+    def test_posting_pair_both_set(self, channel_ref):
+        """入账金额/币种都有值（应该通过）"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("100.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("100.00")
+        assert txn.posting_ccy == "CNY"
+
+    def test_posting_amt_only_should_fail(self, channel_ref):
+        """只有入账金额没有币种（应该失败）"""
+        with pytest.raises(ValidationError):
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                posting_amt=Decimal("95.00"),
+            )
+
+    def test_posting_ccy_only_should_fail(self, channel_ref):
+        """只有入账币种没有金额（应该失败）"""
+        with pytest.raises(ValidationError):
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                posting_ccy="USD",
+            )
+
+    def test_comm_pair_both_set(self, channel_ref):
+        """佣金金额/币种都有值（应该通过）"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            comm_amt=Decimal("2.00"),
+            comm_ccy="CNY",
+        )
+        assert txn.comm_amt == Decimal("2.00")
+        assert txn.comm_ccy == "CNY"
+
+    def test_comm_amt_only_should_fail(self, channel_ref):
+        """只有佣金金额没有币种（应该失败）"""
+        with pytest.raises(ValidationError):
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                comm_amt=Decimal("2.00"),
+            )
+
+    def test_surcharge_pair_both_set(self, channel_ref):
+        """服务费金额/币种都有值（应该通过）"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            surcharge_amt=Decimal("3.00"),
+            surcharge_ccy="CNY",
+        )
+        assert txn.surcharge_amt == Decimal("3.00")
+        assert txn.surcharge_ccy == "CNY"
+
+    def test_surcharge_amt_only_should_fail(self, channel_ref):
+        """只有服务费金额没有币种（应该失败）"""
+        with pytest.raises(ValidationError):
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                surcharge_amt=Decimal("3.00"),
+            )
+
+    def test_disc_pair_both_set(self, channel_ref):
+        """折扣金额/币种都有值（应该通过）"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            disc_amt=Decimal("5.00"),
+            disc_ccy="CNY",
+        )
+        assert txn.disc_amt == Decimal("5.00")
+        assert txn.disc_ccy == "CNY"
+
+    def test_disc_amt_only_should_fail(self, channel_ref):
+        """只有折扣金额没有币种（应该失败）"""
+        with pytest.raises(ValidationError):
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                disc_amt=Decimal("5.00"),
+            )
+
+    def test_multiple_pairs_set(self, channel_ref):
+        """多对金额/币种同时设置（应该通过）"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("1000.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("1010.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("10.00"),
+            comm_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("1010.00")
+        assert txn.comm_amt == Decimal("10.00")
+
+
+class TestAccountingEquation:
+    """测试会计恒等式校验"""
+
+    def test_credit_equation_valid(self, channel_ref):
+        """CREDIT: posting_amt = txn_amt + surcharge_amt - comm_amt - disc_amt"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("5200.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="买家_小明",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("5148.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("52.00"),
+            comm_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("5148.00")
+
+    def test_credit_equation_with_surcharge(self, channel_ref):
+        """CREDIT: 含附加费"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("1000.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="客户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("1005.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("10.00"),
+            comm_ccy="CNY",
+            surcharge_amt=Decimal("15.00"),
+            surcharge_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("1005.00")
+
+    def test_credit_equation_invalid(self, channel_ref):
+        """CREDIT: 恒等式不成立应失败"""
+        with pytest.raises(ValidationError) as exc_info:
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("5200.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.CREDIT,
+                cp="买家_小明",
+                ref_channel=channel_ref,
+                posting_amt=Decimal("5000.00"),
+                posting_ccy="CNY",
+                comm_amt=Decimal("52.00"),
+                comm_ccy="CNY",
+            )
+        assert "Accounting equation mismatch" in str(exc_info.value)
+
+    def test_debit_equation_valid(self, channel_ref):
+        """DEBIT: posting_amt = txn_amt + surcharge_amt + comm_amt - disc_amt"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("110.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("10.00"),
+            comm_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("110.00")
+
+    def test_debit_equation_with_disc(self, channel_ref):
+        """DEBIT: 含折扣"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("105.00"),
+            posting_ccy="CNY",
+            comm_amt=Decimal("10.00"),
+            comm_ccy="CNY",
+            disc_amt=Decimal("5.00"),
+            disc_ccy="CNY",
+        )
+        assert txn.posting_amt == Decimal("105.00")
+
+    def test_debit_equation_invalid(self, channel_ref):
+        """DEBIT: 恒等式不成立应失败"""
+        with pytest.raises(ValidationError) as exc_info:
+            BaseTransaction(
+                txn_date=datetime.now(UTC),
+                txn_amt=Decimal("100.00"),
+                txn_ccy="CNY",
+                dc_flag=DcFlag.DEBIT,
+                cp="商户A",
+                ref_channel=channel_ref,
+                posting_amt=Decimal("100.00"),
+                posting_ccy="CNY",
+                comm_amt=Decimal("10.00"),
+                comm_ccy="CNY",
+            )
+        assert "Accounting equation mismatch" in str(exc_info.value)
+
+    def test_different_currency_skip_validation(self, channel_ref):
+        """不同币种跳过校验"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("5200.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="买家_小明",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("700.00"),
+            posting_ccy="USD",
+        )
+        assert txn.posting_amt == Decimal("700.00")
+
+    def test_no_posting_amt_skip_validation(self, channel_ref):
+        """无 posting_amt 跳过校验"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("5200.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="买家_小明",
+            ref_channel=channel_ref,
+        )
+        assert txn.posting_amt is None
+
+
+class TestFxRate:
+    """测试汇率快照"""
+
+    def test_fx_rate_creation(self):
+        """创建汇率快照"""
+        fx = FxRate(from_ccy="USD", to_ccy="CNY", rate=Decimal("6.75"))
+        assert fx.from_ccy == "USD"
+        assert fx.to_ccy == "CNY"
+        assert fx.rate == Decimal("6.75")
+
+    def test_invalid_currency_should_fail(self):
+        """无效币种应该失败"""
+        with pytest.raises(ValidationError):
+            FxRate(from_ccy="INVALID", to_ccy="CNY", rate=Decimal("6.75"))
+
+    def test_transaction_with_fx_rates(self, channel_ref):
+        """交易带多个汇率快照"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="USD",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            fx_rates=[
+                FxRate(from_ccy="USD", to_ccy="CNY", rate=Decimal("6.75")),
+                FxRate(from_ccy="USD", to_ccy="HKD", rate=Decimal("7.82")),
+            ],
+        )
+        assert len(txn.fx_rates) == 2
+        assert txn.fx_rates[0].from_ccy == "USD"
+        assert txn.fx_rates[0].to_ccy == "CNY"
+        assert txn.fx_rates[1].from_ccy == "USD"
+        assert txn.fx_rates[1].to_ccy == "HKD"
+
+
+class TestTransactionStatus:
+    """测试交易状态"""
+
+    def test_default_status(self, minimal_txn):
+        """默认状态为 COMPLETED"""
+        assert minimal_txn.txn_sts == TransactionStatus.COMPLETED
+
+    def test_set_pending(self, channel_ref):
+        """设置为 PENDING"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            txn_sts=TransactionStatus.PENDING,
+        )
+        assert txn.txn_sts == TransactionStatus.PENDING
+
+    def test_set_failed(self, channel_ref):
+        """设置为 FAILED"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            txn_sts=TransactionStatus.FAILED,
+        )
+        assert txn.txn_sts == TransactionStatus.FAILED
+
+    def test_set_refunded(self, channel_ref):
+        """设置为 REFUNDED"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            txn_sts=TransactionStatus.REFUNDED,
+        )
+        assert txn.txn_sts == TransactionStatus.REFUNDED
+
+
+class TestDcFlag:
+    """测试借贷方向"""
+
+    def test_debit(self, channel_ref):
+        """借方"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+        )
+        assert txn.dc_flag == DcFlag.DEBIT
+
+    def test_credit(self, channel_ref):
+        """贷方"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+        )
+        assert txn.dc_flag == DcFlag.CREDIT
+
+
+class TestTransactionRef:
+    """测试交易引用"""
+
+    def test_ref_transactions(self, channel_ref):
+        """关联交易引用"""
+        ref = TransactionRef(ref_id=ULID())
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            ref_transactions=[ref],
+        )
+        assert len(txn.ref_transactions) == 1
+        assert txn.ref_transactions[0].ref_type == "TRANSACTION"
+
+
+class TestSoftDelete:
+
+    def test_not_deleted(self, minimal_txn):
+        """未删除状态"""
+        assert minimal_txn.deleted_at is None
+
+    def test_set_deleted_at(self, minimal_txn):
+        """设置删除时间"""
+        deleted_at = datetime.now(UTC)
+        minimal_txn.deleted_at = deleted_at
+        assert minimal_txn.deleted_at == deleted_at
+
+
+class TestVersion:
+    """测试乐观锁"""
+
+    def test_default_version(self, minimal_txn):
+        """默认版本为 0"""
+        assert minimal_txn.version == 0
+
+    def test_set_version(self, channel_ref):
+        """设置版本号"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            version=5,
+        )
+        assert txn.version == 5
+
+
+class TestOptionalFields:
+    """测试可选字段"""
+
+    def test_empty_description_allowed(self, channel_ref):
+        """空字符串描述允许"""
+        txn = BaseTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            description="",
+        )
+        assert txn.description == ""
+
+    def test_all_optional_fields_none(self, minimal_txn):
+        """所有可选字段都为 None"""
+        assert minimal_txn.description is None
+        assert minimal_txn.memo is None
+        assert minimal_txn.raw_description is None
+        assert minimal_txn.raw_data is None
+        assert minimal_txn.acq_inst is None
+        assert minimal_txn.clearing_network is None
+
+
+class TestMiscInTransaction:
+    """测试其他收入交易"""
+
+    def test_create(self, channel_ref):
+        """创建其他收入交易"""
+        txn = MiscInTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("500.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="红包",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("500.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.txn_scene == "MISC_IN"
+
+    def test_txn_scene_fixed(self, channel_ref):
+        """txn_scene 固定为 MISC_IN"""
+        txn = MiscInTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.CREDIT,
+            cp="退款",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("100.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.txn_scene == "MISC_IN"
+
+
+class TestMiscOutTransaction:
+    """测试其他支出交易"""
+
+    def test_create(self, channel_ref):
+        """创建其他支出交易"""
+        txn = MiscOutTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("200.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="捐赠",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("200.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.txn_scene == "MISC_OUT"
+
+
+class TestPaymentTransaction:
+    """测试支付交易"""
+
+    def test_create(self, channel_ref):
+        """创建支付交易"""
+        txn = PaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("100.00"),
+            posting_ccy="CNY",
+            merchant_name="星巴克",
+        )
+        assert txn.txn_scene == "PAYMENT"
+        assert txn.merchant_name == "星巴克"
+
+    def test_merchant_name_optional(self, channel_ref):
+        """商户名称可选"""
+        txn = PaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("50.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户B",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("50.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.merchant_name is None
+
+
+class TestEcomPaymentTransaction:
+    """测试电子商务支付交易"""
+
+    def test_create(self, channel_ref):
+        """创建电商支付交易"""
+        txn = EcomPaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("299.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="淘宝商家",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("299.00"),
+            posting_ccy="CNY",
+            merchant_name="淘宝店铺",
+            order_id="TB20260622001",
+        )
+        assert txn.txn_scene == "ECOM_PAYMENT"
+        assert txn.order_id == "TB20260622001"
+        assert txn.merchant_name == "淘宝店铺"
+
+    def test_order_id_optional(self, channel_ref):
+        """订单ID可选"""
+        txn = EcomPaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("100.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="京东",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("100.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.order_id is None
+
+
+class TestPosPaymentTransaction:
+    """测试POS支付交易"""
+
+    def test_create_with_geo(self, channel_ref):
+        """创建POS支付交易（带地理信息）"""
+        txn = PosPaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("50.00"),
+            txn_ccy="HKD",
+            dc_flag=DcFlag.DEBIT,
+            cp="7-11",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("50.00"),
+            posting_ccy="HKD",
+            geo=("HK"),
+        )
+        assert txn.txn_scene == "POS_PAYMENT"
+        assert txn.geo == ("HK",)
+
+    def test_geo_country_only(self, channel_ref):
+        """地理信息仅包含国家"""
+        txn = PosPaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("30.00"),
+            txn_ccy="HKD",
+            dc_flag=DcFlag.DEBIT,
+            cp="7-11",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("30.00"),
+            posting_ccy="HKD",
+            geo=("HK",),
+        )
+        assert txn.geo == ("HK",)
+
+    def test_geo_optional(self, channel_ref):
+        """地理信息可选"""
+        txn = PosPaymentTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("20.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="商户",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("20.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.geo is None
+
+
+class TestATMTransaction:
+    """测试ATM交易"""
+
+    def test_create_with_geo(self, channel_ref):
+        """创建ATM交易（带地理信息）"""
+        txn = ATMTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("2000.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="ATM",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("2000.00"),
+            posting_ccy="CNY",
+            geo=("CN", "SH"),
+        )
+        assert txn.txn_scene == "ATM"
+        assert txn.geo == ("CN", "SH")
+
+    def test_geo_optional(self, channel_ref):
+        """地理信息可选"""
+        txn = ATMTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("500.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="ATM",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("500.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.geo is None
+
+
+class TestTransferTransaction:
+    """测试转账交易"""
+
+    def test_create(self, channel_ref):
+        """创建转账交易"""
+        txn = TransferTransaction(
+            txn_date=datetime.now(UTC),
+            txn_amt=Decimal("10000.00"),
+            txn_ccy="CNY",
+            dc_flag=DcFlag.DEBIT,
+            cp="朋友A",
+            ref_channel=channel_ref,
+            posting_amt=Decimal("10000.00"),
+            posting_ccy="CNY",
+        )
+        assert txn.txn_scene == "TRANSFER"
+
+
+class TestDiscriminatedUnion:
+    """测试 Discriminated Union"""
+
+    def test_all_scenes_present(self):
+        """所有交易场景都已定义"""
+        scenes = {"MISC_IN", "MISC_OUT", "TRANSFER", "PAYMENT", "ECOM_PAYMENT", "POS_PAYMENT", "ATM"}
+        # 验证所有场景都有对应的模型
+        assert scenes == {
+            MiscInTransaction.model_fields["txn_scene"].default,
+            MiscOutTransaction.model_fields["txn_scene"].default,
+            TransferTransaction.model_fields["txn_scene"].default,
+            PaymentTransaction.model_fields["txn_scene"].default,
+            EcomPaymentTransaction.model_fields["txn_scene"].default,
+            PosPaymentTransaction.model_fields["txn_scene"].default,
+            ATMTransaction.model_fields["txn_scene"].default,
+        }