diff --git a/backend/services/wallet-service/src/application/services/wallet-application.service.ts b/backend/services/wallet-service/src/application/services/wallet-application.service.ts
index d94adf60..71d450fd 100644
--- a/backend/services/wallet-service/src/application/services/wallet-application.service.ts
+++ b/backend/services/wallet-service/src/application/services/wallet-application.service.ts
@@ -980,7 +980,9 @@ export class WalletApplicationService {
    * 分配规则：
    * - SHARE_RIGHT (分享权益): 写入 pending_rewards 表，24小时待领取
    * - PROVINCE_TEAM_RIGHT, PROVINCE_AREA_RIGHT, CITY_TEAM_RIGHT, CITY_AREA_RIGHT: 直接到账
-   * - COMMUNITY_RIGHT (社区权益): 进入总部社区账户 S0000000001，直接到账
+   * - COMMUNITY_RIGHT (社区权益): 根据 targetId 分配
+   *   - D 开头（用户账户）: 分配到社区授权人账户，直接到账
+   *   - S 开头或 '1'（系统账户）: 分配到总部社区账户 S0000000001
    */
   private async allocateToUserWallet(
     allocation: FundAllocationItem,
@@ -989,9 +991,9 @@ export class WalletApplicationService {
     const amount = Money.USDT(allocation.amount);
     const allocationType = allocation.allocationType;
 
-    // 社区权益直接进入总部社区账户 S0000000001
+    // 社区权益根据 targetId 分配
     if (allocationType === 'COMMUNITY_RIGHT') {
-      await this.allocateToHeadquartersCommunity(allocation, orderId);
+      await this.allocateCommunityRight(allocation, orderId);
       return;
     }
 
@@ -1082,17 +1084,36 @@ export class WalletApplicationService {
   }
 
   /**
-   * 社区权益直接进入总部社区账户 S0000000001
+   * 社区权益分配
+   * 根据 targetId 决定分配目标：
+   * - D 开头（用户账户）: 分配到社区授权人账户
+   * - S 开头或 '1'（系统账户）: 分配到总部社区账户 S0000000001
    */
-  private async allocateToHeadquartersCommunity(
+  private async allocateCommunityRight(
     allocation: FundAllocationItem,
     orderId: string,
   ): Promise<void> {
-    const headquartersAccountSequence = 'S0000000001';
-    const wallet = await this.walletRepo.findByAccountSequence(headquartersAccountSequence);
-    if (!wallet) {
-      this.logger.error(`Headquarters community account not found: ${headquartersAccountSequence}`);
-      return;
+    const targetId = allocation.targetId;
+    let wallet: WalletAccount | null;
+    let isUserAccount = false;
+
+    // 判断 targetId 类型
+    if (targetId.startsWith('D')) {
+      // 用户账户（D+日期+序号）: 社区授权人
+      wallet = await this.walletRepo.findByAccountSequence(targetId);
+      if (!wallet) {
+        this.logger.error(`User wallet not found for community right allocation: ${targetId}`);
+        return;
+      }
+      isUserAccount = true;
+    } else {
+      // 系统账户（S 开头或 '1'）: 总部社区
+      const headquartersAccountSequence = 'S0000000001';
+      wallet = await this.walletRepo.findByAccountSequence(headquartersAccountSequence);
+      if (!wallet) {
+        this.logger.error(`Headquarters community account not found: ${headquartersAccountSequence}`);
+        return;
+      }
     }
 
     const amount = Money.USDT(allocation.amount);
@@ -1106,7 +1127,9 @@ export class WalletApplicationService {
       entryType: LedgerEntryType.SYSTEM_ALLOCATION,
       amount,
       refOrderId: orderId,
-      memo: `${allocation.allocationType} - headquarters community allocation`,
+      memo: isUserAccount
+        ? `${allocation.allocationType} - community authorization allocation`
+        : `${allocation.allocationType} - headquarters community allocation`,
       payloadJson: {
         allocationType: allocation.allocationType,
         metadata: allocation.metadata,
@@ -1117,7 +1140,7 @@ export class WalletApplicationService {
     await this.walletCacheService.invalidateWallet(wallet.userId.value);
 
     this.logger.debug(
-      `Allocated ${allocation.amount} USDT to headquarters community ${headquartersAccountSequence} for ${allocation.allocationType}`,
+      `Allocated ${allocation.amount} USDT to ${isUserAccount ? 'community user' : 'headquarters'} ${wallet.accountSequence} for ${allocation.allocationType}`,
     );
   }