feat(merchant): 进件把商户建成平台自己的下级商户，进件后自动配置才做得成

yeg

2026-09-14 7dfc5b78d616eef0e263c177f41858c8d95880a5

 talent-card-server/src/main/java/com/talentcard/server/business/payment/huifu/HuifuIndividualOnboardingGateway.java

@@ -49,6 +49,8 @@
        request.put("req_seq_id", command.applicationNo());
        request.put("req_date", LocalDate.now().format(DateTimeFormatter.BASIC_ISO_DATE));
        request.put("upper_huifu_id", properties.getOnboardingUpperHuifuId().trim());
        // 建成平台自己的下级商户：只有挂在自己名下，平台才有权为该商户配置微信支付与业务开通。
        HuifuParentMerchant.apply(request, command.parentHuifuId());
        request.put("reg_name", command.name());
        request.put("short_name", command.name());
        request.put("mcc", command.mcc());