fix: allow optional digital RMB code and inline payment password setup

web/src/mobile/views/FormView.vue

@@ -65,7 +65,7 @@
           v-model.trim="bank.digital_rmb_code"
           inputmode="numeric"
           maxlength="32"
-          placeholder="请输入数字编码"
+          placeholder="请输入数字编码（选填）"
       /></label>
       <section class="m-qr-field">
         <h3>微信二维码</h3>
@@ -276,16 +276,26 @@
   }
   async function saveBank() {
     error.value = '';
-    if (
-      !bank.holder_name ||
-      !/^[1-9]\d{14}(?:\d{2}[\dXx])?$/.test(bank.identity_no.replace(/[ -]/g, '')) ||
-      !/^[0-9 -]{8,36}$/.test(bank.account_no) ||
-      !bank.bank_name ||
-      !/^\d{6,32}$/.test(bank.digital_rmb_code.replace(/[ -]/g, '')) ||
-      !bank.wechat_qr_attachment_id ||
-      !bank.alipay_qr_attachment_id
-    ) {
-      error.value = '请完整填写绑卡信息并上传微信、支付宝二维码';
+    const identityNo = bank.identity_no.replace(/[ -]/g, '');
+    const accountNo = bank.account_no.replace(/[ -]/g, '');
+    const digitalRMBCode = bank.digital_rmb_code.replace(/[ -]/g, '');
+    const validationError =
+      bank.holder_name.length < 2
+        ? '请输入至少 2 个字符的姓名'
+        : !/^[1-9]\d{14}(?:\d{2}[\dXx])?$/.test(identityNo)
+        ? '请输入正确的 15 位或 18 位身份证号'
+        : !/^\d{8,32}$/.test(accountNo)
+        ? '请输入 8 至 32 位银行卡号'
+        : bank.bank_name.length < 2
+        ? '请输入开户行'
+        : digitalRMBCode && !/^\d{6,32}$/.test(digitalRMBCode)
+        ? '数字人民币编码须为 6 至 32 位数字，也可留空'
+        : !bank.wechat_qr_attachment_id || !bank.alipay_qr_attachment_id
+        ? '请上传微信和支付宝二维码'
+        : '';
+    if (validationError) {
+      error.value = validationError;
+      window.$message?.error(validationError);
       return;
     }
     submitting.value = true;