diff --git a/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateDTO.java b/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateDTO.java
index 9cf79d93..5e67a982 100644
--- a/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateDTO.java
+++ b/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateDTO.java
@@ -13,32 +13,12 @@ import java.math.RoundingMode;
 /**
  * 拉卡拉订单分账信息对象
  * <p>
- * 分账计算逻辑说明：
- * 前提条件：分账总金额必须大于0，配送费不能小于0；拉卡拉、商户、平台分账比例必须大于0，
- * 一级、二级代理商分账比例可以为null或小于等于0
+ * 分账计算支持两种模式：
+ * 1. 基于可分账金额模式（默认）：先扣除拉卡拉手续费和配送费，再对剩余金额进行分账
+ * 2. 基于总金额模式：基于总分账金额进行分账计算
  * <p>
- * 分账计算步骤：
- * 1. 计算拉卡拉分账金额 = 分账总金额 × 拉卡拉分账比例（结果向上取整）
- * 2. 计算可分账金额 = 分账总金额 - 配送费 - 拉卡拉分账金额
- * 3. 调整分账比例，确保商户、平台、一级代理商、二级代理商的有效比例之和等于1.0
- * - 如果有二级代理商参与分账，则调整二级代理商比例
- * - 否则如果有一级代理商参与分账，则调整一级代理商比例
- * - 否则调整平台比例
- * 4. 按优先级计算各参与方分账金额（结果四舍五入）：
- * - 商户分账金额 = 可分账金额 × 商户分账比例
- * - 平台分账金额 = 可分账金额 × 平台分账比例
- * - 一级代理商分账金额 = 可分账金额 × 一级代理商分账比例（如果参与分账）
- * - 二级代理商分账金额 = 可分账金额 × 二级代理商分账比例（如果参与分账）
- * 5. 如分配总额与可分账金额不符，则调整最后一个分账方（按优先级顺序）以确保总额平衡：
- * - 优先调整二级代理商（如果参与分账）
- * - 否则调整一级代理商（如果参与分账）
- * - 否则调整平台
- * - 最后调整商户
- * 6. 保障各参与方分账比例不能低于指定属性的比例（按优先级处理）：
- * - 商户优先级最高
- * - 平台优先级次之
- * - 一级代理商优先级再次之
- * - 二级代理商优先级最低
+ * 分账优先级顺序：拉卡拉 > 平台 > 一级代理商 > 二级代理商 > 商户
+ * 商户作为最后分账方，其金额为剩余金额，不强制遵循分账比例
  */
 @Data
 @EqualsAndHashCode(callSuper = false)
@@ -54,9 +34,13 @@ public class LklSeparateDTO implements java.io.Serializable {
     @ApiModelProperty(value = "可分账金额(分)")
     private Integer canSeparateAmount;
 
+    @ApiModelProperty(value = "拉卡拉参考可分账金额(分)")
+    private Integer refCanSeparateAmount;
+
     @ApiModelProperty(value = "配送费(分)")
     private Integer shippingFee;
 
+
     @ApiModelProperty(value = "拉卡拉分账比例(如 0.0025=0.25%)")
     private BigDecimal lklRatio;
 
@@ -72,6 +56,7 @@ public class LklSeparateDTO implements java.io.Serializable {
     @ApiModelProperty(value = "二级代理商分账比例(如 0.03=3%)")
     private BigDecimal agent2ndRatio;
 
+
     @ApiModelProperty(value = "拉卡拉分账金额(分)")
     private Integer lklAmount;
 
@@ -83,7 +68,7 @@ public class LklSeparateDTO implements java.io.Serializable {
 
     @ApiModelProperty(value = "一级代理商分账金额(分)")
     private Integer agent1stAmount;
-    
+
     @ApiModelProperty(value = "二级代理商分账金额(分)")
     private Integer agent2ndAmount;
 
@@ -93,49 +78,6 @@ public class LklSeparateDTO implements java.io.Serializable {
     public static void main(String[] args) {
         logger.info("开始测试分账计算功能...");
 
-        // 临界点测试用例1: 极小金额测试
-        logger.info("\n\n临界点测试用例1 - 极小金额测试:");
-        LklSeparateDTO dto1 = new LklSeparateDTO();
-        dto1.setTotalSeparateAmount(3);
-        dto1.setShippingFee(0);
-        dto1.setLklRatio(new BigDecimal("0.0025"));
-        dto1.setMchRatio(new BigDecimal("0.94"));
-        dto1.setPlatRatio(new BigDecimal("0.06"));
-
-        logger.info("测试参数: 总分账金额={}分, 配送费={}分, 拉卡拉比例={}, 商户比例={}, 平台比例={}",
-                dto1.getTotalSeparateAmount(), dto1.getShippingFee(), dto1.getLklRatio(),
-                dto1.getMchRatio(), dto1.getPlatRatio());
-
-        boolean result1 = dto1.calculateProfitSharing();
-        logger.info("分账计算结果: {}", (result1 ? "成功" : "失败"));
-        if (result1) {
-            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
-                    dto1.getTotalSeparateAmount(), dto1.getLklAmount(), dto1.getShippingFee(), dto1.getCanSeparateAmount(),
-                    dto1.getMchAmount(), dto1.getPlatAmount(), dto1.getAgent1stAmount(), dto1.getAgent2ndAmount());
-
-            double lklRatioOfTotal = (double) dto1.getLklAmount() / dto1.getTotalSeparateAmount() * 100;
-            double mchRatioOfTotal = (double) dto1.getMchAmount() / dto1.getTotalSeparateAmount() * 100;
-            double platRatioOfTotal = (double) dto1.getPlatAmount() / dto1.getTotalSeparateAmount() * 100;
-            double agent1stRatioOfTotal = (double) dto1.getAgent1stAmount() / dto1.getTotalSeparateAmount() * 100;
-            double agent2ndRatioOfTotal = (double) dto1.getAgent2ndAmount() / dto1.getTotalSeparateAmount() * 100;
-
-            double lklRatioOfAvailable = (double) dto1.getLklAmount() / dto1.getCanSeparateAmount() * 100;
-            double mchRatioOfAvailable = (double) dto1.getMchAmount() / dto1.getCanSeparateAmount() * 100;
-            double platRatioOfAvailable = (double) dto1.getPlatAmount() / dto1.getCanSeparateAmount() * 100;
-            double agent1stRatioOfAvailable = (double) dto1.getAgent1stAmount() / dto1.getCanSeparateAmount() * 100;
-            double agent2ndRatioOfAvailable = (double) dto1.getAgent2ndAmount() / dto1.getCanSeparateAmount() * 100;
-
-            logger.info("占比详情 (总金额占比 / 可分账金额占比): 拉卡拉={}% / {}%, 商户={}% / {}%, 平台={}% / {}%, 一级代理商={}% / {}%, 二级代理商={}% / {}%",
-                    String.format("%.4f", lklRatioOfTotal), String.format("%.4f", lklRatioOfAvailable),
-                    String.format("%.4f", mchRatioOfTotal), String.format("%.4f", mchRatioOfAvailable),
-                    String.format("%.4f", platRatioOfTotal), String.format("%.4f", platRatioOfAvailable),
-                    String.format("%.4f", agent1stRatioOfTotal), String.format("%.4f", agent1stRatioOfAvailable),
-                    String.format("%.4f", agent2ndRatioOfTotal), String.format("%.4f", agent2ndRatioOfAvailable));
-
-            int total = dto1.getLklAmount() + dto1.getMchAmount() + dto1.getPlatAmount() + dto1.getAgent1stAmount() + dto1.getAgent2ndAmount() + dto1.getShippingFee();
-            logger.info("金额校验: {} (计算总金额={}分, 原始总金额={}分)", (total == dto1.getTotalSeparateAmount() ? "通过" : "不通过"), total, dto1.getTotalSeparateAmount());
-        }
-
         // 临界点测试用例2: 小金额测试
         logger.info("\n\n临界点测试用例2 - 小金额测试:");
         LklSeparateDTO dto2 = new LklSeparateDTO();
@@ -149,24 +91,40 @@ public class LklSeparateDTO implements java.io.Serializable {
                 dto2.getTotalSeparateAmount(), dto2.getShippingFee(), dto2.getLklRatio(),
                 dto2.getMchRatio(), dto2.getPlatRatio());
 
-        boolean result2 = dto2.calculateProfitSharing();
+        boolean result2 = dto2.calcOnCanAmount();
         logger.info("分账计算结果: {}", (result2 ? "成功" : "失败"));
         if (result2) {
-            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
-                    dto2.getTotalSeparateAmount(), dto2.getLklAmount(), dto2.getShippingFee(), dto2.getCanSeparateAmount(),
+            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 参考可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
+                    dto2.getTotalSeparateAmount(), dto2.getLklAmount(), dto2.getShippingFee(), dto2.getCanSeparateAmount(), dto2.getRefCanSeparateAmount(),
                     dto2.getMchAmount(), dto2.getPlatAmount(), dto2.getAgent1stAmount(), dto2.getAgent2ndAmount());
 
             double lklRatioOfTotal = (double) dto2.getLklAmount() / dto2.getTotalSeparateAmount() * 100;
             double mchRatioOfTotal = (double) dto2.getMchAmount() / dto2.getTotalSeparateAmount() * 100;
             double platRatioOfTotal = (double) dto2.getPlatAmount() / dto2.getTotalSeparateAmount() * 100;
-            double agent1stRatioOfTotal = (double) dto2.getAgent1stAmount() / dto2.getTotalSeparateAmount() * 100;
-            double agent2ndRatioOfTotal = (double) dto2.getAgent2ndAmount() / dto2.getTotalSeparateAmount() * 100;
+            double agent1stRatioOfTotal = 0.0;
+            double agent2ndRatioOfTotal = 0.0;
+
+            // 安全检查，避免空指针异常
+            if (dto2.getAgent1stAmount() != null) {
+                agent1stRatioOfTotal = (double) dto2.getAgent1stAmount() / dto2.getTotalSeparateAmount() * 100;
+            }
+            if (dto2.getAgent2ndAmount() != null) {
+                agent2ndRatioOfTotal = (double) dto2.getAgent2ndAmount() / dto2.getTotalSeparateAmount() * 100;
+            }
 
             double lklRatioOfAvailable = (double) dto2.getLklAmount() / dto2.getCanSeparateAmount() * 100;
             double mchRatioOfAvailable = (double) dto2.getMchAmount() / dto2.getCanSeparateAmount() * 100;
             double platRatioOfAvailable = (double) dto2.getPlatAmount() / dto2.getCanSeparateAmount() * 100;
-            double agent1stRatioOfAvailable = (double) dto2.getAgent1stAmount() / dto2.getCanSeparateAmount() * 100;
-            double agent2ndRatioOfAvailable = (double) dto2.getAgent2ndAmount() / dto2.getCanSeparateAmount() * 100;
+            double agent1stRatioOfAvailable = 0.0;
+            double agent2ndRatioOfAvailable = 0.0;
+
+            // 安全检查，避免空指针异常
+            if (dto2.getAgent1stAmount() != null) {
+                agent1stRatioOfAvailable = (double) dto2.getAgent1stAmount() / dto2.getCanSeparateAmount() * 100;
+            }
+            if (dto2.getAgent2ndAmount() != null) {
+                agent2ndRatioOfAvailable = (double) dto2.getAgent2ndAmount() / dto2.getCanSeparateAmount() * 100;
+            }
 
             logger.info("占比详情 (总金额占比 / 可分账金额占比): 拉卡拉={}% / {}%, 商户={}% / {}%, 平台={}% / {}%, 一级代理商={}% / {}%, 二级代理商={}% / {}%",
                     String.format("%.4f", lklRatioOfTotal), String.format("%.4f", lklRatioOfAvailable),
@@ -175,41 +133,62 @@ public class LklSeparateDTO implements java.io.Serializable {
                     String.format("%.4f", agent1stRatioOfTotal), String.format("%.4f", agent1stRatioOfAvailable),
                     String.format("%.4f", agent2ndRatioOfTotal), String.format("%.4f", agent2ndRatioOfAvailable));
 
-            int total = dto2.getLklAmount() + dto2.getMchAmount() + dto2.getPlatAmount() + dto2.getAgent1stAmount() + dto2.getAgent2ndAmount() + dto2.getShippingFee();
+            int total = dto2.getLklAmount() + dto2.getMchAmount() + dto2.getPlatAmount() +
+                    (dto2.getAgent1stAmount() != null ? dto2.getAgent1stAmount() : 0) +
+                    (dto2.getAgent2ndAmount() != null ? dto2.getAgent2ndAmount() : 0) + dto2.getShippingFee();
             logger.info("金额校验: {} (计算总金额={}分, 原始总金额={}分)", (total == dto2.getTotalSeparateAmount() ? "通过" : "不通过"), total, dto2.getTotalSeparateAmount());
         }
 
-        // 临界点测试用例3: 中等金额测试
-        logger.info("\n\n临界点测试用例3 - 中等金额测试:");
-        LklSeparateDTO dto3 = new LklSeparateDTO();
-        dto3.setTotalSeparateAmount(100);
-        dto3.setShippingFee(30);
-        dto3.setLklRatio(new BigDecimal("0.0025"));
-        dto3.setMchRatio(new BigDecimal("0.94"));
-        dto3.setPlatRatio(new BigDecimal("0.06"));
+        // 基于总金额的分账计算测试用例（带refCanSeparateAmount）
+        logger.info("\n\n基于总金额的分账计算测试用例 - 带参考可分账金额:");
+        LklSeparateDTO dto7 = new LklSeparateDTO();
+        dto7.setTotalSeparateAmount(502);
+        dto7.setShippingFee(500);
+        dto7.setLklRatio(new BigDecimal("0.0025")); // 拉卡拉比例0.25%
+        dto7.setMchRatio(new BigDecimal("0.94"));   // 商户比例90%
+        dto7.setPlatRatio(new BigDecimal("0.01"));  // 平台比例5%
+//        dto7.setAgent1stRatio(new BigDecimal("0.01"));
+//        dto7.setAgent2ndRatio(new BigDecimal("0.04"));
+//        dto7.setRefCanSeparateAmount(8079); // 设置参考可分账金额
 
-        logger.info("测试参数: 总分账金额={}分, 配送费={}分, 拉卡拉比例={}, 商户比例={}, 平台比例={}",
-                dto3.getTotalSeparateAmount(), dto3.getShippingFee(), dto3.getLklRatio(),
-                dto3.getMchRatio(), dto3.getPlatRatio());
+        logger.info("测试参数: 总分账金额={}分, 配送费={}分, 拉卡拉比例={}, 商户比例={}, 平台比例={}, 一级代理商比例={}, 二级代理商比例={}, 参考可分账金额={}分",
+                dto7.getTotalSeparateAmount(), dto7.getShippingFee(), dto7.getLklRatio(), dto7.getMchRatio(),
+                dto7.getPlatRatio(), dto7.getAgent1stRatio(), dto7.getAgent2ndRatio(), dto7.getRefCanSeparateAmount());
 
-        boolean result3 = dto3.calculateProfitSharing();
-        logger.info("分账计算结果: {}", (result3 ? "成功" : "失败"));
-        if (result3) {
-            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
-                    dto3.getTotalSeparateAmount(), dto3.getLklAmount(), dto3.getShippingFee(), dto3.getCanSeparateAmount(),
-                    dto3.getMchAmount(), dto3.getPlatAmount(), dto3.getAgent1stAmount(), dto3.getAgent2ndAmount());
+        boolean result7 = dto7.calcOnTotalAmount();
+        logger.info("基于总金额的分账计算结果（带参考可分账金额）: {}", (result7 ? "成功" : "失败"));
+        if (result7) {
+            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 参考可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
+                    dto7.getTotalSeparateAmount(), dto7.getLklAmount(), dto7.getShippingFee(), dto7.getCanSeparateAmount(), dto7.getRefCanSeparateAmount(),
+                    dto7.getMchAmount(), dto7.getPlatAmount(), dto7.getAgent1stAmount(), dto7.getAgent2ndAmount());
 
-            double lklRatioOfTotal = (double) dto3.getLklAmount() / dto3.getTotalSeparateAmount() * 100;
-            double mchRatioOfTotal = (double) dto3.getMchAmount() / dto3.getTotalSeparateAmount() * 100;
-            double platRatioOfTotal = (double) dto3.getPlatAmount() / dto3.getTotalSeparateAmount() * 100;
-            double agent1stRatioOfTotal = (double) dto3.getAgent1stAmount() / dto3.getTotalSeparateAmount() * 100;
-            double agent2ndRatioOfTotal = (double) dto3.getAgent2ndAmount() / dto3.getTotalSeparateAmount() * 100;
+            double lklRatioOfTotal = (double) dto7.getLklAmount() / dto7.getTotalSeparateAmount() * 100;
+            double mchRatioOfTotal = (double) dto7.getMchAmount() / dto7.getTotalSeparateAmount() * 100;
+            double platRatioOfTotal = (double) dto7.getPlatAmount() / dto7.getTotalSeparateAmount() * 100;
+            double agent1stRatioOfTotal = 0.0;
+            double agent2ndRatioOfTotal = 0.0;
 
-            double lklRatioOfAvailable = (double) dto3.getLklAmount() / dto3.getCanSeparateAmount() * 100;
-            double mchRatioOfAvailable = (double) dto3.getMchAmount() / dto3.getCanSeparateAmount() * 100;
-            double platRatioOfAvailable = (double) dto3.getPlatAmount() / dto3.getCanSeparateAmount() * 100;
-            double agent1stRatioOfAvailable = (double) dto3.getAgent1stAmount() / dto3.getCanSeparateAmount() * 100;
-            double agent2ndRatioOfAvailable = (double) dto3.getAgent2ndAmount() / dto3.getCanSeparateAmount() * 100;
+            // 安全检查，避免空指针异常
+            if (dto7.getAgent1stAmount() != null) {
+                agent1stRatioOfTotal = (double) dto7.getAgent1stAmount() / dto7.getTotalSeparateAmount() * 100;
+            }
+            if (dto7.getAgent2ndAmount() != null) {
+                agent2ndRatioOfTotal = (double) dto7.getAgent2ndAmount() / dto7.getTotalSeparateAmount() * 100;
+            }
+
+            double lklRatioOfAvailable = (double) dto7.getLklAmount() / dto7.getCanSeparateAmount() * 100;
+            double mchRatioOfAvailable = (double) dto7.getMchAmount() / dto7.getCanSeparateAmount() * 100;
+            double platRatioOfAvailable = (double) dto7.getPlatAmount() / dto7.getCanSeparateAmount() * 100;
+            double agent1stRatioOfAvailable = 0.0;
+            double agent2ndRatioOfAvailable = 0.0;
+
+            // 安全检查，避免空指针异常
+            if (dto7.getAgent1stAmount() != null) {
+                agent1stRatioOfAvailable = (double) dto7.getAgent1stAmount() / dto7.getCanSeparateAmount() * 100;
+            }
+            if (dto7.getAgent2ndAmount() != null) {
+                agent2ndRatioOfAvailable = (double) dto7.getAgent2ndAmount() / dto7.getCanSeparateAmount() * 100;
+            }
 
             logger.info("占比详情 (总金额占比 / 可分账金额占比): 拉卡拉={}% / {}%, 商户={}% / {}%, 平台={}% / {}%, 一级代理商={}% / {}%, 二级代理商={}% / {}%",
                     String.format("%.4f", lklRatioOfTotal), String.format("%.4f", lklRatioOfAvailable),
@@ -218,96 +197,124 @@ public class LklSeparateDTO implements java.io.Serializable {
                     String.format("%.4f", agent1stRatioOfTotal), String.format("%.4f", agent1stRatioOfAvailable),
                     String.format("%.4f", agent2ndRatioOfTotal), String.format("%.4f", agent2ndRatioOfAvailable));
 
-            int total = dto3.getLklAmount() + dto3.getMchAmount() + dto3.getPlatAmount() + dto3.getAgent1stAmount() + dto3.getAgent2ndAmount() + dto3.getShippingFee();
-            logger.info("金额校验: {} (计算总金额={}分, 原始总金额={}分)", (total == dto3.getTotalSeparateAmount() ? "通过" : "不通过"), total, dto3.getTotalSeparateAmount());
-        }
+            int total = dto7.getLklAmount() + dto7.getMchAmount() + dto7.getPlatAmount() +
+                    (dto7.getAgent1stAmount() != null ? dto7.getAgent1stAmount() : 0) +
+                    (dto7.getAgent2ndAmount() != null ? dto7.getAgent2ndAmount() : 0) + dto7.getShippingFee();
+            logger.info("金额校验: {} (计算总金额={}分, 原始总金额={}分)", (total == dto7.getTotalSeparateAmount() ? "通过" : "不通过"), total, dto7.getTotalSeparateAmount());
 
-        // 临界点测试用例4: 大金额测试
-        logger.info("\n\n临界点测试用例4 - 大金额测试:");
-        LklSeparateDTO dto4 = new LklSeparateDTO();
-        dto4.setTotalSeparateAmount(10000);
-        dto4.setShippingFee(500);
-        dto4.setLklRatio(new BigDecimal("0.0025"));
-        dto4.setMchRatio(new BigDecimal("0.94"));
-        dto4.setPlatRatio(new BigDecimal("0.06"));
-
-        logger.info("测试参数: 总分账金额={}分, 配送费={}分, 拉卡拉比例={}, 商户比例={}, 平台比例={}",
-                dto4.getTotalSeparateAmount(), dto4.getShippingFee(), dto4.getLklRatio(),
-                dto4.getMchRatio(), dto4.getPlatRatio());
-
-        boolean result4 = dto4.calculateProfitSharing();
-        logger.info("分账计算结果: {}", (result4 ? "成功" : "失败"));
-        if (result4) {
-            logger.info("分账结果: 总金额={}分, 拉卡拉={}分, 配送费={}分, 可分账={}分, 商户={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分",
-                    dto4.getTotalSeparateAmount(), dto4.getLklAmount(), dto4.getShippingFee(), dto4.getCanSeparateAmount(),
-                    dto4.getMchAmount(), dto4.getPlatAmount(), dto4.getAgent1stAmount(), dto4.getAgent2ndAmount());
-
-            double lklRatioOfTotal = (double) dto4.getLklAmount() / dto4.getTotalSeparateAmount() * 100;
-            double mchRatioOfTotal = (double) dto4.getMchAmount() / dto4.getTotalSeparateAmount() * 100;
-            double platRatioOfTotal = (double) dto4.getPlatAmount() / dto4.getTotalSeparateAmount() * 100;
-            double agent1stRatioOfTotal = (double) dto4.getAgent1stAmount() / dto4.getTotalSeparateAmount() * 100;
-            double agent2ndRatioOfTotal = (double) dto4.getAgent2ndAmount() / dto4.getTotalSeparateAmount() * 100;
-
-            double lklRatioOfAvailable = (double) dto4.getLklAmount() / dto4.getCanSeparateAmount() * 100;
-            double mchRatioOfAvailable = (double) dto4.getMchAmount() / dto4.getCanSeparateAmount() * 100;
-            double platRatioOfAvailable = (double) dto4.getPlatAmount() / dto4.getCanSeparateAmount() * 100;
-            double agent1stRatioOfAvailable = (double) dto4.getAgent1stAmount() / dto4.getCanSeparateAmount() * 100;
-            double agent2ndRatioOfAvailable = (double) dto4.getAgent2ndAmount() / dto4.getCanSeparateAmount() * 100;
-
-            logger.info("占比详情 (总金额占比 / 可分账金额占比): 拉卡拉={}% / {}%, 商户={}% / {}%, 平台={}% / {}%, 一级代理商={}% / {}%, 二级代理商={}% / {}%",
-                    String.format("%.4f", lklRatioOfTotal), String.format("%.4f", lklRatioOfAvailable),
-                    String.format("%.4f", mchRatioOfTotal), String.format("%.4f", mchRatioOfAvailable),
-                    String.format("%.4f", platRatioOfTotal), String.format("%.4f", platRatioOfAvailable),
-                    String.format("%.4f", agent1stRatioOfTotal), String.format("%.4f", agent1stRatioOfAvailable),
-                    String.format("%.4f", agent2ndRatioOfTotal), String.format("%.4f", agent2ndRatioOfAvailable));
-
-            int total = dto4.getLklAmount() + dto4.getMchAmount() + dto4.getPlatAmount() + dto4.getAgent1stAmount() + dto4.getAgent2ndAmount() + dto4.getShippingFee();
-            logger.info("金额校验: {} (计算总金额={}分, 原始总金额={}分)", (total == dto4.getTotalSeparateAmount() ? "通过" : "不通过"), total, dto4.getTotalSeparateAmount());
+            // 验证refCanSeparateAmount是否生效
+            if (dto7.getCanSeparateAmount().equals(dto7.getRefCanSeparateAmount())) {
+                logger.info("参考可分账金额生效: 计算出的可分账金额={}分, 参考可分账金额={}分", dto7.getCanSeparateAmount(), dto7.getRefCanSeparateAmount());
+            } else {
+                logger.info("参考可分账金额未生效: 计算出的可分账金额={}分, 参考可分账金额={}分", dto7.getCanSeparateAmount(), dto7.getRefCanSeparateAmount());
+            }
         }
     }
 
     /**
-     * 根据实体类的属性，扣除拉卡拉手续费，配送费之后，从可用余额中进行分账计算
+     * 基于可分账金额的分账计算方法（默认）
+     * <p>
+     * 计算逻辑：
+     * 1. 计算拉卡拉分账金额 = 总分账金额 × 拉卡拉分账比例（向上取整）
+     * 2. 计算可分账金额 = 总分账金额 - 配送费 - 拉卡拉分账金额
+     * 3. 如果refCanSeparateAmount有效且与计算出的canSeparateAmount不一致，则使用refCanSeparateAmount作为分账基数
+     * 4. 调整分账比例，确保有效比例之和等于1.0
+     * 5. 按优先级计算各参与方分账金额（商户 > 平台 > 一级代理商 > 二级代理商）
+     * 6. 确保总额平衡并保障各参与方分账比例
      *
      * @return 分账结果是否成功
      */
-    public boolean calculateProfitSharing() {
+    public boolean calcOnCanAmount() {
         // 检查前提条件
         if (!validateInputs()) {
             return false;
         }
 
-        logger.info("开始分账计算，分账总金额={}分，配送费={}分", totalSeparateAmount, shippingFee);
+        logger.info("开始基于可分账金额的分账计算，总金额={}分，配送费={}分", totalSeparateAmount, shippingFee);
 
-        // 1. 计算拉卡拉分账金额 = 分账总金额 × 拉卡拉分账比例（向上取整）
+        // 计算拉卡拉分账金额
         calculateLklAmount();
 
-        // 2. 计算可分账金额 = 分账总金额 - 配送费 - 拉卡拉分账金额
+        // 计算可分账金额
         calculateCanSeparateAmount();
         if (canSeparateAmount <= 0) {
             logger.info("分账计算失败：可分账金额必须大于0，当前值={}", canSeparateAmount);
             return false;
         }
 
-        // 3. 调整分账比例，确保有效值比例相加等于1.0
+        // 检查并应用参考可分账金额
+        checkAndApplyRefCanSeparateAmount();
+
+        // 调整分账比例
         adjustRatios();
 
-        // 4. 按优先级分账：商户 > 平台 > 一级代理商 > 二级代理商
+        // 按优先级分账
         performSeparate();
 
-        // 5. 确保总额平衡
+        // 确保总额平衡
         balanceAmounts();
 
-        // 6. 保障各参与方分账比例不低于指定值
+        // 保障各参与方分账比例
         guaranteeRatios();
 
-        logger.info("分账计算完成：商户={}，平台={}，一级代理商={}，二级代理商={}",
-                mchAmount, platAmount, agent1stAmount, agent2ndAmount);
+        logger.info("基于可分账金额的分账计算完成：拉卡拉={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分, 商户={}分",
+                lklAmount, platAmount, agent1stAmount, agent2ndAmount, mchAmount);
         return true;
     }
 
     /**
-     * 验证输入参数
+     * 基于总金额的分账计算方法
+     * <p>
+     * 计算逻辑：
+     * 1. 计算拉卡拉分账金额 = 总分账金额 × 拉卡拉分账比例（四舍五入保留两位小数）
+     * 2. 计算可分账金额 = 总分账金额 - 配送费 - 拉卡拉分账金额
+     * 3. 如果refCanSeparateAmount有效且与计算出的canSeparateAmount不一致，则使用refCanSeparateAmount作为分账基数
+     * 4. 调整分账比例，确保有效比例之和等于1.0
+     * 5. 按优先级计算各参与方分账金额（平台 > 一级代理商 > 二级代理商 > 商户），基于可分账金额进行分账
+     * 6. 确保总额平衡并保障各参与方分账比例
+     *
+     * @return 分账结果是否成功
+     */
+    public boolean calcOnTotalAmount() {
+        // 检查前提条件
+        if (!validateInputsForTotalAmount()) {
+            return false;
+        }
+
+        logger.info("开始基于总金额的分账计算，总金额={}分，配送费={}分", totalSeparateAmount, shippingFee);
+
+        // 计算拉卡拉分账金额
+        calculateLklAmount();
+
+        // 计算可分账金额
+        calculateCanSeparateAmount();
+        if (canSeparateAmount <= 0) {
+            logger.info("基于总金额的分账计算失败：可分账金额必须大于0，当前值={}", canSeparateAmount);
+            return false;
+        }
+
+        // 调整分账比例
+        adjustRatios();
+
+        // 检查并应用参考可分账金额
+        checkAndApplyRefCanSeparateAmount();
+
+        // 按优先级分账（基于总金额）
+        performSeparateBasedOnTotalAmount();
+
+        // 确保总额平衡
+        balanceAmounts();
+
+        // 保障各参与方分账比例（忽略商户比例保障）
+        guaranteeRatiosForTotalAmount();
+
+        logger.info("基于总金额的分账计算完成：拉卡拉={}分, 平台={}分, 一级代理商={}分, 二级代理商={}分, 商户={}分",
+                lklAmount, platAmount, agent1stAmount, agent2ndAmount, mchAmount);
+        return true;
+    }
+
+    /**
+     * 验证基于可分账金额分账的输入参数
      */
     private boolean validateInputs() {
         if (totalSeparateAmount == null || totalSeparateAmount <= 0) {
@@ -338,13 +345,22 @@ public class LklSeparateDTO implements java.io.Serializable {
         return true;
     }
 
+    /**
+     * 验证基于总金额分账的输入参数
+     */
+    private boolean validateInputsForTotalAmount() {
+        // 基于总金额的分账计算参数验证与基于可分账金额的验证相同
+        return validateInputs();
+    }
+
     /**
      * 计算拉卡拉分账金额
      */
     private void calculateLklAmount() {
         BigDecimal lklAmountDecimal = new BigDecimal(totalSeparateAmount).multiply(lklRatio);
-        lklAmount = lklAmountDecimal.setScale(0, RoundingMode.UP).intValue();
-        logger.debug("拉卡拉分账计算：分账总金额{} × 拉卡拉比例{} = {}，向上取整后={}", totalSeparateAmount, lklRatio, lklAmountDecimal, lklAmount);
+        lklAmount = lklAmountDecimal.setScale(2, RoundingMode.HALF_UP).intValue();
+        logger.debug("拉卡拉分账计算：总金额{} × 拉卡拉比例{} = {}，四舍五入保留两位小数后={}",
+                totalSeparateAmount, lklRatio, lklAmountDecimal, lklAmount);
     }
 
     /**
@@ -352,7 +368,59 @@ public class LklSeparateDTO implements java.io.Serializable {
      */
     private void calculateCanSeparateAmount() {
         canSeparateAmount = totalSeparateAmount - shippingFee - lklAmount;
-        logger.debug("可分账金额计算：分账总金额{} - 配送费{} - 拉卡拉分账{} = {}", totalSeparateAmount, shippingFee, lklAmount, canSeparateAmount);
+        logger.debug("可分账金额计算：总金额{} - 配送费{} - 拉卡拉分账{} = {}",
+                totalSeparateAmount, shippingFee, lklAmount, canSeparateAmount);
+    }
+
+    /**
+     * 检查并应用参考可分账金额
+     * 当refCanSeparateAmount有效且与计算出的canSeparateAmount不一致时，
+     * 将差额分配给指定优先级的分账对象（平台 > 一级代理商 > 二级代理商 > 商户）
+     */
+    private void checkAndApplyRefCanSeparateAmount() {
+        // 判断refCanSeparateAmount是否有效(大于0且小于等于totalSeparateAmount)
+        if (refCanSeparateAmount != null && refCanSeparateAmount > 0 && refCanSeparateAmount <= totalSeparateAmount) {
+            // 比较refCanSeparateAmount与计算出的canSeparateAmount
+            if (!refCanSeparateAmount.equals(canSeparateAmount)) {
+                int difference = refCanSeparateAmount - canSeparateAmount;
+                logger.info("检测到refCanSeparateAmount与计算出的canSeparateAmount不一致，差额={}分。" +
+                                "refCanSeparateAmount={}分，计算出的canSeparateAmount={}分。",
+                        difference, refCanSeparateAmount, canSeparateAmount);
+
+                // 使用refCanSeparateAmount作为分账基数
+                canSeparateAmount = refCanSeparateAmount;
+
+                // 将差额分配给指定优先级的分账对象（商户 > 二级代理商 > 一级代理商 > 平台）
+                if (difference != 0) {
+                    if (mchAmount == null) mchAmount = 0;
+                    if (agent2ndAmount == null) agent2ndAmount = 0;
+                    if (agent1stAmount == null) agent1stAmount = 0;
+                    if (platAmount == null) platAmount = 0;
+
+                    if (difference > 0) {
+                        // 如果差额为正，优先增加高优先级参与方的金额
+                        mchAmount += difference;
+                    } else {
+                        // 如果差额为负，优先从低优先级参与方扣除
+                        int diff = -difference;
+                        if (mchAmount >= diff) {
+                            mchAmount -= diff;
+                        } else if (agent2ndAmount > 0 && agent2ndAmount >= diff) {
+                            agent2ndAmount -= diff;
+                        } else if (agent1stAmount > 0 && agent1stAmount >= diff) {
+                            agent1stAmount -= diff;
+                        } else {
+                            platAmount -= diff;
+                        }
+                    }
+                    logger.debug("已将差额{}分应用于分账金额调整", difference);
+                }
+            } else {
+                logger.debug("refCanSeparateAmount与计算出的canSeparateAmount一致，值={}分", canSeparateAmount);
+            }
+        } else {
+            logger.debug("refCanSeparateAmount无效或未设置，使用计算出的canSeparateAmount={}分作为分账基数", canSeparateAmount);
+        }
     }
 
     /**
@@ -363,8 +431,8 @@ public class LklSeparateDTO implements java.io.Serializable {
         BigDecimal effectiveRatioSum = BigDecimal.ZERO
                 .add(mchRatio)
                 .add(platRatio)
-                .add(getOrDefault(agent1stRatio, BigDecimal.ZERO))
-                .add(getOrDefault(agent2ndRatio, BigDecimal.ZERO));
+                .add(agent1stRatio != null ? agent1stRatio : BigDecimal.ZERO)
+                .add(agent2ndRatio != null ? agent2ndRatio : BigDecimal.ZERO);
 
         logger.debug("调整前各分账比例：商户={}，平台={}，一级代理商={}，二级代理商={}，有效比例总和={}",
                 mchRatio, platRatio, agent1stRatio, agent2ndRatio, effectiveRatioSum);
@@ -387,7 +455,7 @@ public class LklSeparateDTO implements java.io.Serializable {
     }
 
     /**
-     * 按优先级进行分账
+     * 按优先级进行分账（基于可分账金额）
      */
     private void performSeparate() {
         // 商户分账金额 = 可分账金额 × 商户分账比例（四舍五入）
@@ -419,6 +487,39 @@ public class LklSeparateDTO implements java.io.Serializable {
         }
     }
 
+    /**
+     * 按优先级进行分账（基于总金额）
+     */
+    private void performSeparateBasedOnTotalAmount() {
+        // 平台分账金额 = 可分账金额 × 平台分账比例（四舍五入）
+        BigDecimal platAmountDecimal = new BigDecimal(canSeparateAmount).multiply(platRatio);
+        platAmount = platAmountDecimal.setScale(0, RoundingMode.HALF_UP).intValue();
+        logger.debug("平台分账计算：可分账金额{} × 平台比例{} = {}，四舍五入后={}", canSeparateAmount, platRatio, platAmountDecimal, platAmount);
+
+        // 一级代理商分账金额 = 可分账金额 × 一级代理商分账比例（四舍五入）
+        if (agent1stRatio != null && agent1stRatio.compareTo(BigDecimal.ZERO) > 0) {
+            BigDecimal agent1stAmountDecimal = new BigDecimal(canSeparateAmount).multiply(agent1stRatio);
+            agent1stAmount = agent1stAmountDecimal.setScale(0, RoundingMode.HALF_UP).intValue();
+            logger.debug("一级代理商分账计算：可分账金额{} × 一级代理商比例{} = {}，四舍五入后={}", canSeparateAmount, agent1stRatio, agent1stAmountDecimal, agent1stAmount);
+        } else {
+            agent1stAmount = 0;
+        }
+
+        // 二级代理商分账金额 = 可分账金额 × 二级代理商分账比例（四舍五入）
+        if (agent2ndRatio != null && agent2ndRatio.compareTo(BigDecimal.ZERO) > 0) {
+            BigDecimal agent2ndAmountDecimal = new BigDecimal(canSeparateAmount).multiply(agent2ndRatio);
+            agent2ndAmount = agent2ndAmountDecimal.setScale(0, RoundingMode.HALF_UP).intValue();
+            logger.debug("二级代理商分账计算：可分账金额{} × 二级代理商比例{} = {}，四舍五入后={}", canSeparateAmount, agent2ndRatio, agent2ndAmountDecimal, agent2ndAmount);
+        } else {
+            agent2ndAmount = 0;
+        }
+
+        // 商户分账金额 = 可分账金额 - 平台分账金额 - 一级代理商分账金额 - 二级代理商分账金额
+        mchAmount = canSeparateAmount - platAmount - agent1stAmount - agent2ndAmount;
+        logger.debug("商户分账计算：可分账金额{} - 平台分账{} - 一级代理商分账{} - 二级代理商分账{} = {}",
+                canSeparateAmount, platAmount, agent1stAmount, agent2ndAmount, mchAmount);
+    }
+
     /**
      * 确保总额平衡
      */
@@ -429,7 +530,10 @@ public class LklSeparateDTO implements java.io.Serializable {
             logger.debug("分账总额与可分账金额不符，差额={}，开始调整", diff);
 
             // 将差额分配给优先级最低的参与方，确保总额平衡
-            if (agent2ndAmount > 0 && agent2ndAmount + diff >= 0) {
+            if (mchAmount + diff >= 0) {
+                mchAmount += diff;
+                logger.debug("调整商户分账金额：{} + {} = {}", mchAmount - diff, diff, mchAmount);
+            } else if (agent2ndAmount > 0 && agent2ndAmount + diff >= 0) {
                 agent2ndAmount += diff;
                 logger.debug("调整二级代理商分账金额：{} + {} = {}", agent2ndAmount - diff, diff, agent2ndAmount);
             } else if (agent1stAmount > 0 && agent1stAmount + diff >= 0) {
@@ -438,13 +542,24 @@ public class LklSeparateDTO implements java.io.Serializable {
             } else if (platAmount + diff >= 0) {
                 platAmount += diff;
                 logger.debug("调整平台分账金额：{} + {} = {}", platAmount - diff, diff, platAmount);
-            } else {
-                mchAmount += diff;
-                logger.debug("调整商户分账金额：{} + {} = {}", mchAmount - diff, diff, mchAmount);
             }
         }
     }
 
+    /**
+     * 保障各参与方分账比例不低于指定值（基于总金额的分账计算专用）
+     * 忽略商户比例保障，只保障平台、一级代理商、二级代理商的比例
+     */
+    private void guaranteeRatiosForTotalAmount() {
+        // 平台优先级最高
+        guaranteePlatformRatio();
+
+        // 一级代理商优先级次之
+        guaranteeAgent1stRatio();
+
+        // 不保障商户比例，商户只分到剩余余额
+    }
+
     /**
      * 保障各参与方分账比例不低于指定值
      */