🎨 优化代码，未正确配置 apiV3Key 时，173 行证书更新失败，未做 throw 等阻断动作，导致 verifier 未赋值，后续其它方法使用将出现空指针异常

weixin-java-pay/src/test/java/com/github/binarywang/wxpay/v3/auth/AutoUpdateCertificatesVerifierTest.java

@@ -0,0 +1,55 @@
+package com.github.binarywang.wxpay.v3.auth;
+
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateRequest;
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateRequest.TransferDetailList;
+import com.github.binarywang.wxpay.bean.merchanttransfer.TransferCreateResult;
+import com.github.binarywang.wxpay.exception.WxPayException;
+import com.github.binarywang.wxpay.service.WxPayService;
+import com.github.binarywang.wxpay.testbase.ApiTestModule;
+import com.google.inject.Inject;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.http.util.Asserts;
+import org.assertj.core.util.Lists;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.testng.annotations.Guice;
+import org.testng.annotations.Test;
+
+/**
+ * 商家转账到零钱（直连商户）- 商户号配置信息错误时健壮性判断单元测试
+ * @author imyzt
+ * created on  2022/10/23
+ */
+@Slf4j
+@Test
+@Guice(modules = ApiTestModule.class)
+public class AutoUpdateCertificatesVerifierTest {
+
+  private final Logger logger = LoggerFactory.getLogger(this.getClass());
+
+  @Inject
+  private WxPayService payService;
+
+  @Test
+  public void testVerify() throws WxPayException {
+    TransferDetailList transferDetailList = new TransferDetailList();
+    transferDetailList.setOutDetailNo("test")
+      .setOpenid("test")
+      .setTransferAmount(1)
+      .setOutDetailNo("test")
+      .setUserName("test");
+    TransferCreateRequest req = TransferCreateRequest.builder()
+      .appid("wxd930ea5d5a258f4f")
+      .batchName("test")
+      .outBatchNo("")
+      .totalAmount(1)
+      .totalNum(1)
+      .transferDetailList(Lists.newArrayList(transferDetailList))
+      .build();
+    TransferCreateResult transfer = payService.getMerchantTransferService().createTransfer(req);
+    Asserts.notNull(transfer, "transfer");
+
+    // 商户未申请过证书。请到商户平台上申请证书授权机构颁发的证书。详情可参考:http://kf.qq.com/faq/180824JvUZ3i180824YvMNJj.html
+
+  }
+}