diff --git a/backend/migrations/000093_quality_owner_and_premium_listings.sql b/backend/migrations/000093_quality_owner_and_premium_listings.sql
index b4a9dad..2e2c8b3 100644
--- a/backend/migrations/000093_quality_owner_and_premium_listings.sql
+++ b/backend/migrations/000093_quality_owner_and_premium_listings.sql
@@ -1,9 +1,6 @@
 -- +goose Up
 
--- 优质号主与无忧租号保险：
---   users 保存优质号主资格及保证金快照；
---   rental_listings 标记极品专区商品，并保存发布时赔付方案/费率快照；
---   rental_orders / order_checkouts 保存下单时费率快照和实际保险服务费。
+-- 优质号主、极品专区、无忧租号保险及保证金支付。
 ALTER TABLE users
   ADD COLUMN quality_owner_status VARCHAR(16) NOT NULL DEFAULT 'none' COMMENT '优质号主状态: none普通/active优质' AFTER status,
   ADD COLUMN quality_owner_deposit_cent BIGINT NOT NULL DEFAULT 0 COMMENT '优质号主保证金(分)' AFTER quality_owner_status,
@@ -27,8 +24,13 @@ ALTER TABLE order_checkouts
   ADD COLUMN insurance_fee_bps INT NOT NULL DEFAULT 0 COMMENT '保险服务费率快照(万分比)' AFTER platform_fee_cent,
   ADD COLUMN insurance_fee_cent BIGINT NOT NULL DEFAULT 0 COMMENT '保险服务费(分)' AFTER insurance_fee_bps;
 
-INSERT INTO permissions (code, name, resource, action) VALUES
-('user:quality_owner', '设置优质号主', 'user', 'quality_owner')
+-- 通用业务支付单：订单支付继续使用 order_id；优质号主保证金等非订单业务使用 biz_id。
+ALTER TABLE payment_orders
+  ADD COLUMN biz_id BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '业务对象ID（非订单业务使用）' AFTER order_no,
+  ADD KEY idx_payment_orders_user_biz (user_id, biz_type, biz_id, status);
+
+INSERT INTO permissions (code, name, resource, action)
+VALUES ('user:quality_owner', '设置优质号主', 'user', 'quality_owner')
 ON DUPLICATE KEY UPDATE
   name = VALUES(name),
   resource = VALUES(resource),
@@ -53,6 +55,10 @@ ALTER TABLE order_checkouts
   DROP COLUMN insurance_fee_cent,
   DROP COLUMN insurance_fee_bps;
 
+ALTER TABLE payment_orders
+  DROP KEY idx_payment_orders_user_biz,
+  DROP COLUMN biz_id;
+
 ALTER TABLE rental_orders
   DROP COLUMN insurance_fee_cent,
   DROP COLUMN insurance_fee_bps,
diff --git a/backend/migrations/000095_points_mall.sql b/backend/migrations/000094_points_mall.sql
similarity index 88%
rename from backend/migrations/000095_points_mall.sql
rename to backend/migrations/000094_points_mall.sql
index d948aff..ea089a1 100644
--- a/backend/migrations/000095_points_mall.sql
+++ b/backend/migrations/000094_points_mall.sql
@@ -1,4 +1,6 @@
 -- +goose Up
+
+-- 双边积分与虚拟积分商城。
 ALTER TABLE users
   ADD COLUMN points_available BIGINT NOT NULL DEFAULT 0 COMMENT '积分商城可用积分' AFTER renter_growth_level;
 
@@ -6,6 +8,14 @@ UPDATE users
 SET points_available = renter_growth_points
 WHERE points_available = 0 AND renter_growth_points > 0;
 
+ALTER TABLE rental_orders
+  ADD COLUMN growth_points_multiplier_bps INT NOT NULL DEFAULT 10000 COMMENT '租客积分倍率基点' AFTER growth_points_per_yuan,
+  ADD COLUMN owner_growth_points_basis_cent BIGINT NOT NULL DEFAULT 0 COMMENT '卖家积分基数(分)' AFTER growth_points_awarded_at,
+  ADD COLUMN owner_growth_points_per_yuan BIGINT NOT NULL DEFAULT 0 COMMENT '卖家基础每元积分' AFTER owner_growth_points_basis_cent,
+  ADD COLUMN owner_growth_points_multiplier_bps INT NOT NULL DEFAULT 10000 COMMENT '卖家积分倍率基点' AFTER owner_growth_points_per_yuan,
+  ADD COLUMN owner_growth_points_awarded BIGINT NOT NULL DEFAULT 0 COMMENT '卖家已发放积分' AFTER owner_growth_points_multiplier_bps,
+  ADD COLUMN owner_growth_points_awarded_at DATETIME NULL COMMENT '卖家积分发放时间' AFTER owner_growth_points_awarded;
+
 ALTER TABLE renter_growth_ledger
   DROP KEY uk_renter_growth_order_source,
   ADD COLUMN role VARCHAR(16) NOT NULL DEFAULT 'renter' COMMENT '积分角色: renter/owner/admin' AFTER user_id,
@@ -18,14 +28,6 @@ ALTER TABLE renter_growth_ledger
   ADD UNIQUE KEY uk_renter_growth_order_role_source (order_id, source, role),
   ADD KEY idx_renter_growth_user_role_created (user_id, role, created_at);
 
-ALTER TABLE rental_orders
-  ADD COLUMN growth_points_multiplier_bps INT NOT NULL DEFAULT 10000 COMMENT '租客积分倍率基点' AFTER growth_points_per_yuan,
-  ADD COLUMN owner_growth_points_basis_cent BIGINT NOT NULL DEFAULT 0 COMMENT '卖家积分基数(分)' AFTER growth_points_awarded_at,
-  ADD COLUMN owner_growth_points_per_yuan BIGINT NOT NULL DEFAULT 0 COMMENT '卖家基础每元积分' AFTER owner_growth_points_basis_cent,
-  ADD COLUMN owner_growth_points_multiplier_bps INT NOT NULL DEFAULT 10000 COMMENT '卖家积分倍率基点' AFTER owner_growth_points_per_yuan,
-  ADD COLUMN owner_growth_points_awarded BIGINT NOT NULL DEFAULT 0 COMMENT '卖家已发放积分' AFTER owner_growth_points_multiplier_bps,
-  ADD COLUMN owner_growth_points_awarded_at DATETIME NULL COMMENT '卖家积分发放时间' AFTER owner_growth_points_awarded;
-
 CREATE TABLE IF NOT EXISTS points_mall_products (
   id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
   title VARCHAR(128) NOT NULL,
@@ -53,6 +55,9 @@ CREATE TABLE IF NOT EXISTS points_mall_redemptions (
   product_title VARCHAR(128) NOT NULL,
   product_cover_url VARCHAR(512) NOT NULL DEFAULT '',
   redemption_instructions TEXT NOT NULL,
+  contact_name VARCHAR(32) NOT NULL DEFAULT '' COMMENT '兑换联系人',
+  contact_phone VARCHAR(32) NOT NULL DEFAULT '' COMMENT '兑换联系人手机号',
+  customer_remark VARCHAR(500) NOT NULL DEFAULT '' COMMENT '用户兑换备注',
   points_price BIGINT NOT NULL DEFAULT 0,
   quantity INT NOT NULL DEFAULT 1,
   total_points BIGINT NOT NULL DEFAULT 0,
@@ -73,20 +78,27 @@ INSERT INTO permissions (code, name, resource, action)
 VALUES
   ('points_mall:view', '查看积分商城', 'points_mall', 'view'),
   ('points_mall:manage', '管理积分商城', 'points_mall', 'manage')
-ON DUPLICATE KEY UPDATE name = VALUES(name), resource = VALUES(resource), action = VALUES(action);
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name),
+  resource = VALUES(resource),
+  action = VALUES(action);
 
 INSERT IGNORE INTO role_permissions (role_id, permission_id)
 SELECT r.id, p.id
 FROM roles r
 JOIN permissions p ON p.code IN ('points_mall:view', 'points_mall:manage')
-WHERE r.code IN ('super_admin', 'ops');
+WHERE r.code IN ('ops', 'super_admin');
 
 -- +goose Down
-DELETE FROM role_permissions
-WHERE permission_id IN (
-  SELECT id FROM permissions WHERE code IN ('points_mall:view', 'points_mall:manage')
-);
-DELETE FROM permissions WHERE code IN ('points_mall:view', 'points_mall:manage');
+
+DELETE rp
+FROM role_permissions rp
+JOIN permissions p ON p.id = rp.permission_id
+WHERE p.code IN ('points_mall:view', 'points_mall:manage');
+
+DELETE FROM permissions
+WHERE code IN ('points_mall:view', 'points_mall:manage');
+
 DROP TABLE IF EXISTS points_mall_redemptions;
 DROP TABLE IF EXISTS points_mall_products;
 
diff --git a/backend/migrations/000094_quality_owner_payment.sql b/backend/migrations/000094_quality_owner_payment.sql
deleted file mode 100644
index cb83fb5..0000000
--- a/backend/migrations/000094_quality_owner_payment.sql
+++ /dev/null
@@ -1,13 +0,0 @@
--- +goose Up
-
--- 通用业务支付单：订单支付继续使用 order_id；优质号主保证金等非订单业务使用 biz_id，
--- 避免把用户 ID 写入订单外键语义。
-ALTER TABLE payment_orders
-  ADD COLUMN biz_id BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '业务对象ID（非订单业务使用）' AFTER order_no,
-  ADD KEY idx_payment_orders_user_biz (user_id, biz_type, biz_id, status);
-
--- +goose Down
-
-ALTER TABLE payment_orders
-  DROP KEY idx_payment_orders_user_biz,
-  DROP COLUMN biz_id;