TransferBillsRequest request = TransferBillsRequest.newBuilder()
    .appid("your_appid")
    .outBillNo("NO_CONFIRM_" + System.currentTimeMillis())
    .transferSceneId("1005")                       // 佣金报酬场景
    .openid("user_openid")
    .transferAmount(200)                           // 2元
    .transferRemark("免确认收款转账")
    .receiptAuthorizationMode(WxPayConstants.ReceiptAuthorizationMode.NO_CONFIRM_RECEIPT_AUTHORIZATION)
    .userRecvPerception("Y")
    .build();

try {
    TransferBillsResult result = transferService.transferBills(request);
    System.out.println("转账成功，直接到账：" + result.getTransferBillNo());
} catch (WxPayException e) {
    if ("USER_NOT_AUTHORIZED".equals(e.getErrCode())) {
        System.err.println("用户未授权免确认收款，请先引导用户进行授权");
    }
}

TransferBillsRequest request = TransferBillsRequest.newBuilder()
    .appid("your_appid")
    .outBillNo("CONFIRM_" + System.currentTimeMillis())
    .transferSceneId("1005")
    .openid("user_openid")
    .transferAmount(150)                           // 1.5元
    .transferRemark("需确认收款转账")
    // .receiptAuthorizationMode(...) // 不设置时使用默认的确认模式
    .userRecvPerception("Y")
    .build();

TransferBillsResult result = transferService.transferBills(request);
System.out.println("转账发起成功，等待用户确认：" + result.getPackageInfo());

try {
    TransferBillsResult result = transferService.transferBills(request);
} catch (WxPayException e) {
    switch (e.getErrCode()) {
        case "USER_NOT_AUTHORIZED":
            // 用户未授权免确认收款
            System.err.println("请先引导用户进行免确认收款授权");
            // 可以引导用户到授权页面
            break;
        case "AUTHORIZATION_EXPIRED":
            // 授权已过期
            System.err.println("用户授权已过期，请重新授权");
            break;
        default:
            System.err.println("转账失败：" + e.getMessage());
    }
}

// 获取WxPayService实例
WxPayService wxPayService = new WxPayServiceImpl();
wxPayService.setConfig(config);

// 获取新版转账服务
TransferService transferService = wxPayService.getTransferService();

// 构建转账请求
TransferBillsRequest request = TransferBillsRequest.newBuilder()
    .appid("your_appid")                           // 应用ID
    .outBillNo("T" + System.currentTimeMillis())   // 商户转账单号
    .transferSceneId("1005")                       // 转账场景ID（佣金报酬）
    .openid("user_openid")                         // 用户openid
    .userName("张三")                               // 收款用户姓名（可选，需要加密）
    .transferAmount(100)                           // 转账金额（分）
    .transferRemark("佣金报酬")                     // 转账备注
    .notifyUrl("https://your-domain.com/notify")   // 回调地址（可选）
    .userRecvPerception("Y")                       // 用户收款感知（可选）
    .build();

try {
    TransferBillsResult result = transferService.transferBills(request);
    System.out.println("转账成功，微信转账单号：" + result.getTransferBillNo());
    System.out.println("状态：" + result.getState());
} catch (WxPayException e) {
    System.err.println("转账失败：" + e.getMessage());
}

// 通过商户单号查询
String outBillNo = "T1642567890123";
TransferBillsGetResult result = transferService.getBillsByOutBillNo(outBillNo);

// 通过微信转账单号查询
String transferBillNo = "1000000000000000000000000001";
TransferBillsGetResult result2 = transferService.getBillsByTransferBillNo(transferBillNo);

System.out.println("转账状态：" + result.getState());
System.out.println("转账金额：" + result.getTransferAmount());

// 撤销转账（仅在特定状态下可撤销）
String outBillNo = "T1642567890123";
TransferBillsCancelResult cancelResult = transferService.transformBillsCancel(outBillNo);
System.out.println("撤销结果：" + cancelResult.getState());

// 在回调接口中处理通知
@PostMapping("/transfer/notify")
public String handleTransferNotify(HttpServletRequest request) throws Exception {
    String notifyData = StreamUtils.copyToString(request.getInputStream(), StandardCharsets.UTF_8);
    
    // 构建签名头
    SignatureHeader header = new SignatureHeader();
    header.setTimeStamp(request.getHeader("Wechatpay-Timestamp"));
    header.setNonce(request.getHeader("Wechatpay-Nonce"));
    header.setSignature(request.getHeader("Wechatpay-Signature"));
    header.setSerial(request.getHeader("Wechatpay-Serial"));
    
    try {
        TransferBillsNotifyResult notifyResult = transferService.parseTransferBillsNotifyResult(notifyData, header);
        
        // 处理业务逻辑
        String outBillNo = notifyResult.getOutBillNo();
        String state = notifyResult.getState();
        
        System.out.println("转账单号：" + outBillNo + "，状态：" + state);
        
        return "SUCCESS";
    } catch (WxPayException e) {
        System.err.println("验签失败：" + e.getMessage());
        return "FAIL";
    }
}