bugfix 保险分账逻辑

jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java

@@ -2063,6 +2063,9 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
         // 订单信息
         OrderBasicInfo orderBasicInfo = afterSettleOrderDTO.getOrderBasicInfo();
 
+        // 保险金额（有默认值 0.00）
+        BigDecimal insuranceAmount = orderBasicInfo.getInsuranceAmount();
+
         // 订单是否需要分账, 结算金额必须大于0
         if (orderSettleAmount == null || orderSettleAmount.compareTo(BigDecimal.ZERO) <= 0) {
             logger.info("realTimeOrderSplit-订单[{}]结算金额[{}]必须大于0", afterSettleOrderDTO.getOrderCode(), orderSettleAmount);
@@ -2104,7 +2107,7 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
         PaymentConfirmParam param = PaymentConfirmParam.builder()
                 .paymentId(paymentId)
                 .divMemberList(divMemberList)
-                .confirmAmt(orderSettleAmount)
+                .confirmAmt(orderSettleAmount.add(insuranceAmount)) // 订单结算金额 + 保险金额
                 .orderCode(orderCode)
                 .wechatAppId(appId)
                 .build();