{
    "success": true,
    "data": {
        "module": "结算支付与财务协同",
        "related_prd": "06-payment-settlement.md",
        "entities": [
            "ai_uc_payment_orders",
            "settlement_batches",
            "invoice_requests",
            "service_orders",
            "ai_uc_notifications",
            "ai_task_logs"
        ],
        "endpoints": [
            {
                "method": "POST",
                "path": "\/api\/finance\/payments",
                "description": "创建微信、支付宝、对公转账支付单"
            },
            {
                "method": "POST",
                "path": "\/api\/finance\/payments\/callback",
                "description": "处理支付回调并更新订单状态"
            },
            {
                "method": "GET",
                "path": "\/api\/finance\/settlements",
                "description": "查询月度结算批次和机构分账结果"
            },
            {
                "method": "POST",
                "path": "\/api\/finance\/invoices",
                "description": "提交开票申请和校验信息"
            },
            {
                "method": "GET",
                "path": "\/api\/finance\/reconciliation",
                "description": "查询平台、企业、机构对账结果"
            },
            {
                "method": "POST",
                "path": "\/api\/finance\/refunds",
                "description": "提交退款、补差价和异常处理申请"
            }
        ],
        "business_rules": [
            "企业通过平台支付的价格与直接找机构或专家保持一致",
            "平台不向企业额外收取手续费",
            "平台与入驻机构按 85% \/ 15% 的基线比例进行分账",
            "结算周期按月执行，必须保留对账确认机制"
        ],
        "ai_capabilities": [
            "对账异常识别",
            "开票信息校验",
            "结算提醒",
            "收益分析"
        ]
    },
    "meta": {
        "stage": "round-8",
        "type": "blueprint"
    }
}