diff --git a/backend/.env.example b/backend/.env.example
index 563adfd..fa424f2 100644
--- a/backend/.env.example
+++ b/backend/.env.example
@@ -52,4 +52,5 @@ ALIPAY_FORMAT=json
 ALIPAY_NOTIFY_URL=https://your-domain.example.com/alipay_callback
 ALIPAY_TRANSFER_API=alipay.fund.trans.uni.transfer
 ALIPAY_TRANSFER_QUERY_API=alipay.fund.trans.common.query
+ALIPAY_TRANSFER_SCENE_NAME=佣金报酬
 ALIPAY_HTTP_TIMEOUT_SECONDS=30
diff --git a/backend/app/__pycache__/alipay_provider.cpython-313.pyc b/backend/app/__pycache__/alipay_provider.cpython-313.pyc
index 8148cca..5ab7717 100644
Binary files a/backend/app/__pycache__/alipay_provider.cpython-313.pyc and b/backend/app/__pycache__/alipay_provider.cpython-313.pyc differ
diff --git a/backend/app/__pycache__/config.cpython-313.pyc b/backend/app/__pycache__/config.cpython-313.pyc
index 6d651b9..4580213 100644
Binary files a/backend/app/__pycache__/config.cpython-313.pyc and b/backend/app/__pycache__/config.cpython-313.pyc differ
diff --git a/backend/app/alipay_provider.py b/backend/app/alipay_provider.py
index 0fb924b..22e119e 100644
--- a/backend/app/alipay_provider.py
+++ b/backend/app/alipay_provider.py
@@ -27,6 +27,7 @@ def validate_configuration() -> None:
             ("ALIPAY_PAYER_ACCOUNT", settings.alipay_payer_account),
             ("ALIPAY_APP_PRIVATE_KEY_PATH", settings.alipay_app_private_key_path),
             ("ALIPAY_PUBLIC_KEY_PATH 或 ALIPAY_ALIPAY_PUBLIC_CERT_PATH", settings.alipay_public_key_path or settings.alipay_alipay_public_cert_path),
+            ("ALIPAY_TRANSFER_SCENE_NAME", settings.alipay_transfer_scene_name),
         ) if not str(value or "").strip()
     ]
     if missing:
@@ -265,6 +266,7 @@ def transfer(*, out_biz_no: str, amount_fen: int, account: str, payee_name: str,
     model.trans_amount = f"{Decimal(amount_fen) / Decimal(100):.2f}"
     model.product_code = "TRANS_ACCOUNT_NO_PWD"
     model.biz_scene = "DIRECT_TRANSFER"
+    model.transfer_scene_name = settings.alipay_transfer_scene_name
     model.order_title = order_title[:128]
     payee = Participant()
     payee.identity = account
@@ -299,6 +301,7 @@ def query(*, out_biz_no: str) -> dict:
     model = AlipayFundTransCommonQueryModel()
     model.out_biz_no = out_biz_no
     model.product_code = "TRANS_ACCOUNT_NO_PWD"
+    model.biz_scene = "DIRECT_TRANSFER"
     request = AlipayFundTransCommonQueryRequest(biz_model=model)
     try:
         raw = _client().execute(request)
diff --git a/backend/app/config.py b/backend/app/config.py
index e6db07d..3c037e6 100644
--- a/backend/app/config.py
+++ b/backend/app/config.py
@@ -77,6 +77,7 @@ class Settings:
     alipay_notify_url = os.getenv("ALIPAY_NOTIFY_URL", "")
     alipay_transfer_api = os.getenv("ALIPAY_TRANSFER_API", "alipay.fund.trans.uni.transfer")
     alipay_transfer_query_api = os.getenv("ALIPAY_TRANSFER_QUERY_API", "alipay.fund.trans.common.query")
+    alipay_transfer_scene_name = os.getenv("ALIPAY_TRANSFER_SCENE_NAME", "").strip()
     alipay_http_timeout_seconds = int(os.getenv("ALIPAY_HTTP_TIMEOUT_SECONDS", "30"))
 
 
diff --git a/backend/tests/__pycache__/test_alipay_provider.cpython-313-pytest-9.1.1.pyc b/backend/tests/__pycache__/test_alipay_provider.cpython-313-pytest-9.1.1.pyc
index 5a93b95..d69700f 100644
Binary files a/backend/tests/__pycache__/test_alipay_provider.cpython-313-pytest-9.1.1.pyc and b/backend/tests/__pycache__/test_alipay_provider.cpython-313-pytest-9.1.1.pyc differ
diff --git a/backend/tests/test_alipay_provider.py b/backend/tests/test_alipay_provider.py
index d8ed369..dc6d46d 100644
--- a/backend/tests/test_alipay_provider.py
+++ b/backend/tests/test_alipay_provider.py
@@ -16,19 +16,29 @@ class FakeClient:
         return json.dumps(self.payload, ensure_ascii=False)
 
 
+class CapturingClient(FakeClient):
+    def execute(self, request):
+        self.params = request.get_params()
+        return super().execute(request)
+
+
 def test_transfer_parses_official_sdk_json_response(monkeypatch):
-    monkeypatch.setattr(alipay_provider, "_client", lambda: FakeClient({
+    client = CapturingClient({
         "code": "10000",
         "msg": "Success",
         "out_biz_no": "RF001",
         "order_id": "ALI001",
         "status": "SUCCESS",
-    }))
+    })
+    monkeypatch.setattr(alipay_provider, "_client", lambda: client)
+    monkeypatch.setattr(alipay_provider.settings, "alipay_transfer_scene_name", "佣金报酬")
     result = alipay_provider.transfer(
         out_biz_no="RF001", amount_fen=300, account="buyer@example.com",
         payee_name="测试收款人", order_title="测试返款",
     )
     assert result == {"out_biz_no": "RF001", "trade_no": "ALI001", "status": "SUCCESS"}
+    biz_content = json.loads(client.params["biz_content"])
+    assert biz_content["transfer_scene_name"] == "佣金报酬"
 
 
 def test_transfer_preserves_provider_business_error(monkeypatch):
@@ -66,16 +76,20 @@ def test_old_sdk_error_envelope_is_recovered_from_response_exception():
 
 
 def test_query_parses_processing_status(monkeypatch):
-    monkeypatch.setattr(alipay_provider, "_client", lambda: FakeClient({
+    client = CapturingClient({
         "code": "10000",
         "msg": "Success",
         "out_biz_no": "RF003",
         "order_id": "ALI003",
         "status": "DEALING",
-    }))
+    })
+    monkeypatch.setattr(alipay_provider, "_client", lambda: client)
     result = alipay_provider.query(out_biz_no="RF003")
     assert result["status"] == "DEALING"
     assert result["trade_no"] == "ALI003"
+    biz_content = json.loads(client.params["biz_content"])
+    assert biz_content["biz_scene"] == "DIRECT_TRANSFER"
+    assert biz_content["product_code"] == "TRANS_ACCOUNT_NO_PWD"
 
 
 def test_legacy_transfer_table_is_migrated_without_losing_rows():