prepaid 子模块 · 轮 1:6 概念 + 知识地图 + 导航更新

写 6 个核心概念到 prop-acc/concepts/prepaid/:
- prepaid-account-vs-transaction:账户+流水双对象,与 deposit 同构但多两条独有约束(一户一账、零余额不自动关账)
- account-state-machine:Active / Frozen / Closed,canOperate 统一守护,与 deposit 差异(零余额行为、无 ForceClose)
- one-account-per-resident:unique(community_id, profile_id) + 跨社区防御(prepaid 独有)
- transaction-types:4 种流水(deposit / consume / refund / adjustment),consume 是最高频
- consume-via-bill-collection-type:Consume 走 CollectionType=Bill 而非 Prepaid 的独特设计,资金来源标 meta.fund_source
- auto-deduction-design:月初批量自动抵扣 scheduled job 的设计意图(代码待补,issue.md Q4 已记录)

新建子模块知识地图:
- prop-acc/maps/prepaid-knowledge-map.md:6 概念入口 + 16 场景预占清单 + 跨域引用 + 代码索引

更新导航:
- prop-acc/maps/knowledge-map.md:域总图 prepaid 行链 prepaid 知识地图,状态 🟡
- prop-acc/index.md:同步

下一轮:16 个场景文档(prepaid/scenarios/),按本知识地图骨架填充。

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

prop-acc/index.md

@@ -25,7 +25,7 @@ last_review: 2026-05-25
 | --------- | ---------------- | --------------------------------------------- | ------ |
 | **一次性收费** | IC 卡、装修证、泳票等单次购买 | [adhoc 知识地图](maps/adhoc-knowledge-map.md)     | ✅ 28 篇 |
 | **保证金**   | 装修押金等代管资金,完工后退还  | [deposit 知识地图](maps/deposit-knowledge-map.md) | ✅ 25 篇 |
-| **预存款**   | 业户预存,自动抵扣月度账单    | _待补_                                          | 🚧     |
+| **预存款**   | 业户预存,自动抵扣月度账单    | [prepaid 知识地图](maps/prepaid-knowledge-map.md) | 🟡 6 概念已完成,16 场景待补 |
 | **计量表**   | 水表/电表/燃气表,抄表生成账单 | _待补_                                          | 🚧     |
 | **账单**    | 周期性账单 + 计量账单     | _待补_                                          | 🚧     |
 | **收款订单**  | 一次收款的支付方式、银行账户记录 | _待补_                                          | 🚧     |

prop-acc/maps/knowledge-map.md

@@ -20,7 +20,7 @@ last_review: 2026-05-25
 | 子模块 | 中文 | 一句话 | 深度地图 | 状态 |
 |---|---|---|---|---|
 | adhoc | 一次性收费 | IC 卡、装修证、泳票等单次购买 | [adhoc 知识地图](adhoc-knowledge-map.md) | ✅ 25 场景 + 3 概念 |
-| prepaid | 预存款 | 业户预存,自动抵扣月度账单 | _待补_ | 🚧 |
+| prepaid | 预存款 | 业户预存,自动抵扣月度账单 | [prepaid 知识地图](prepaid-knowledge-map.md) | 🟡 6 概念已完成,16 场景待补 |
 | deposit | 保证金 | 装修押金等代管资金,完工后退还 | [deposit 知识地图](deposit-knowledge-map.md) | ✅ 18 场景 + 6 概念 + 1 地图 = 25 篇 |
 | meter | 计量表 | 水表/电表/燃气表,抄表生成账单 | _待补_ | 🚧 |
 | billing | 账单 | 周期性账单 + 计量账单 | _待补_ | 🚧 |

prop-acc/maps/prepaid-knowledge-map.md

@@ -0,0 +1,130 @@
+---
+title: prop-acc · prepaid · 知识地图
+aliases:
+  - prepaid 知识地图
+  - 预存款知识地图
+tags:
+  - 规范
+  - prop-acc
+  - 知识地图
+  - 预存款
+sub_feature: prepaid
+audience:
+  - 业户
+  - 业务人员
+  - 财务
+status: 已发布
+last_review: 2026-05-25
+code_version: 2026-05-22
+---
+
+# 预存款(prepaid)知识地图
+
+> 本子模块 = PrepaidAccount + PrepaidTransaction。覆盖业户**预存金额抵扣账单**的全生命周期 —— 充值、消费(月度账单自动抵)、退款、冻结、关账。
+
+## 这是什么?
+
+业户**提前充值**一笔钱到自己的预存款账户,后续物业费 / 水电费等账单**自动从这里扣**,免得月月手动缴。是物业财务系统的"业户钱包"。
+
+> [!warning] 预存款不是收入,也不是押金 — 是预收账款
+> 业户充进来的钱在抵扣账单**之前**,会计科目记**预收账款(负债)**,不进收入。每次抵扣账单时,**对应部分**才转入收入。
+>
+> 三种模块的会计性质对比详见 [adhoc 的 deposit-vs-adhoc-vs-prepaid 概念](../concepts/deposit/deposit-vs-adhoc-vs-prepaid.md)。
+
+## 核心特性(与 deposit 的关键差异)
+
+| 维度 | prepaid 预存款 | deposit 保证金 |
+|---|---|---|
+| 每业户账户数 | **1 个**(一户一账) | 多个 |
+| 核心高频操作 | **consume**(自动抵账单) | refund / forfeiture |
+| Bill 关联 | ✅(consume 关联具体账单) | ❌ |
+| 零余额行为 | **保持 Active**(可继续充值) | 自动 Closed |
+| ForceClose | ❌(纠纷罕见) | ✅ |
+| 缴款人 | 只能是业户本人 | 多种(业主/租户/装修公司/...) |
+
+## 核心概念(6 篇)
+
+| 文档 | 一句话 |
+|---|---|
+| [预存款账户与流水](../concepts/prepaid/prepaid-account-vs-transaction.md) | 双对象模式,与 deposit 同构但多两条独有约束 |
+| [账户状态机](../concepts/prepaid/account-state-machine.md) | Active / Frozen / Closed,canOperate 统一守护,零余额不自动关账 |
+| [一户一账约束](../concepts/prepaid/one-account-per-resident.md) | unique(community_id, profile_id) + 跨社区防御 |
+| [流水类型](../concepts/prepaid/transaction-types.md) | 4 种(deposit / consume / refund / adjustment),consume 是高频 |
+| [Consume 走 CollectionType=Bill 的设计](../concepts/prepaid/consume-via-bill-collection-type.md) | 独特设计:抵账单用 Bill 视角,资金来源标 meta.fund_source=prepaid |
+| [月初批量自动抵扣设计](../concepts/prepaid/auto-deduction-design.md) | 待补 scheduled job,产品核心卖点 |
+
+## 场景手册(16 篇,**待补充 ✋**)
+
+> 🚧 概念骨架已就位,场景文档将在下一轮(轮 2)产出。预定结构如下。
+
+### 📥 充值(Deposit)— 3 篇
+
+- 🚧 [首次开户充值 5000](../scenarios/prepaid/deposit-first-time.md)
+- 🚧 [已有账户追加充值](../scenarios/prepaid/deposit-additional-topup.md)
+- 🚧 [小程序在线充值(待补设计意图)](../scenarios/prepaid/deposit-via-miniapp-pending.md)
+
+### 🧹 消费 Consume — 4 篇(最核心)
+
+- 🚧 [手动抵扣月度物业费](../scenarios/prepaid/consume-monthly-property-bill.md)
+- 🚧 [多个未付账单按 due_at 优先级抵扣](../scenarios/prepaid/consume-multiple-bills-priority.md)
+- 🚧 [抵扣计量账单(水电费)](../scenarios/prepaid/consume-meter-bill.md)
+- 🚧 [月初批量自动抵扣 job(设计意图 + 业务流程)](../scenarios/prepaid/consume-batch-auto-monthly.md)
+
+### 💰 退款(Refund)— 2 篇
+
+- 🚧 [业户搬走全额退余](../scenarios/prepaid/refund-full-resident-moveout.md)
+- 🚧 [部分消费后退余(不自动关账)](../scenarios/prepaid/refund-partial-after-consume.md)
+
+### 🧊 冻结 / 解冻(Freeze / Unfreeze)— 2 篇
+
+- 🚧 [疑似欺诈 / 风控冻结](../scenarios/prepaid/freeze-suspected-fraud.md)
+- 🚧 [核实后解冻](../scenarios/prepaid/unfreeze-after-verification.md)
+
+### 🔒 结清(Close)— 2 篇
+
+- 🚧 [业户搬走主动关账](../scenarios/prepaid/close-resident-moveout.md)
+- 🚧 [余额清零后不自动关,业户决定](../scenarios/prepaid/close-with-zero-balance-decision.md)
+
+### 🛡️ 异常 / 审计(3 篇)
+
+- 🚧 [跨社区消费防御](../scenarios/prepaid/exception-cross-community-consume.md)
+- 🚧 [冻结状态退款被三层守护拦截](../scenarios/prepaid/exception-refund-on-frozen.md)
+- 🚧 [低余额业户预警 + 逾期账单排查](../scenarios/prepaid/audit-low-balance-and-overdue.md)
+
+## 跨域引用
+
+本子模块引用以下跨域共享概念:
+
+- [业户](../../cross/concepts/resident.md) — 缴款人(只能是业户本人)
+- [组织结构](../../cross/concepts/org-hierarchy.md) — community_id 归属
+
+## 跨子模块引用
+
+- [adhoc · CollectionOrder 与 Receipt](../concepts/adhoc/collection-order-and-receipt.md) — prepaid 同样产出 CO + Receipt,但 consume 的 CO 用 type=Bill(详见本子模块独特设计)
+- [deposit · 账户与流水](../concepts/deposit/deposit-account-vs-transaction.md) — 双对象模式同构,可对比理解
+- [deposit · 状态机](../concepts/deposit/account-state-machine.md) — 三状态相同,关账行为不同
+- [deposit · 押金 vs 一次性收费 vs 预存款](../concepts/deposit/deposit-vs-adhoc-vs-prepaid.md) — 三模块对比
+
+## 相关代码
+
+- 模型:[`PrepaidAccount.php`](../../../packages/prop-acc/src/Models/PrepaidAccount.php)、[`PrepaidTransaction.php`](../../../packages/prop-acc/src/Models/PrepaidTransaction.php)
+- 枚举:`PrepaidAccountStatus`、`PrepaidTransactionType`、`FundSource`、`CollectionType`
+- Policy:`PrepaidAccountPolicy`(9 个方法)、`PrepaidTransactionPolicy`
+- Actions(业务层):`packages/prop-acc/src/Actions/Prepaids/`(`ConsumeFromPrepaidAccountAction` / `RefundFromPrepaidAccountAction`,**自动抵扣 job 待补**)
+- Filament Resource:[`packages/prop-acc/src/Filament/Resources/PrepaidAccounts/`](../../../packages/prop-acc/src/Filament/Resources/PrepaidAccounts/)
+- Dashboard / Widgets:`DepositPrepaidDashboard`、`MonthlyPrepaidFlowChart`、`LowBalancePrepaidListWidget`
+- 业务设计决策:`packages/prop-acc/issue.md` 的 Q4 段
+
+## 相关文档
+
+- [prop-acc 域知识地图](knowledge-map.md)
+- [prop-acc 域首页](../index.md)
+- [adhoc 子模块知识地图](adhoc-knowledge-map.md)
+- [deposit 子模块知识地图](deposit-knowledge-map.md)
+- [跨域协作地图](../../cross/maps/cross-domain-map.md)
+
+---
+
+> [!info] 概念已完成,场景待补
+> 本轮(轮 1)产出:6 个概念 + 本子模块地图 + 域总图更新。
+> 下一轮(轮 2)产出:16 个场景文档,基于本知识地图骨架填充。