feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

backend/internal/modules/listing/dto.go

@@ -15,6 +15,7 @@ type ListingDTO struct {
 	OwnerID                    uint64         `json:"owner_id"`
 	OwnerPhone                 string         `json:"owner_phone,omitempty"`
 	OwnerNickname              string         `json:"owner_nickname,omitempty"`
+	OwnerIsQualityOwner        bool           `json:"owner_is_quality_owner"`
 	SourceChannel              string         `json:"source_channel,omitempty"`
 	IsExternalUpload           bool           `json:"is_external_upload"`
 	Title                      string         `json:"title"`
@@ -41,6 +42,9 @@ type ListingDTO struct {
 	DistributionSiteID         *uint64        `json:"distribution_site_id,omitempty"`
 	DistributionSiteCode       string         `json:"distribution_site_code,omitempty"`
 	DistributionSiteName       string         `json:"distribution_site_name,omitempty"`
+	IsPremium                  bool           `json:"is_premium"`
+	CompensationPlan           string         `json:"compensation_plan"`
+	InsuranceFeeBps            int            `json:"insurance_fee_bps"`
 	ListingGroupConversationID uint64         `json:"listing_group_conversation_id,omitempty"`
 	CreatedAt                  time.Time      `json:"created_at"`
 	UpdatedAt                  time.Time      `json:"updated_at"`
@@ -57,6 +61,9 @@ type CreateRequest struct {
 	ScreenshotURLS    []string       `json:"screenshot_urls"`
 	PriceCent         int64          `json:"price_cent"`
 	DepositAmountCent int64          `json:"deposit_amount_cent"`
+	IsPremium         bool           `json:"is_premium"`
+	CompensationPlan  string         `json:"compensation_plan" binding:"omitempty,oneof=normal insurance"`
+	InsuranceFeeBps   int            `json:"-"` // 服务端按配置和用户资格生成，不接受前端指定。
 
 	AgreedVirtualAssetSale bool `json:"agreed_virtual_asset_sale"`
 	AgreedSellerAgreement  bool `json:"agreed_seller_agreement"`

backend/internal/modules/listing/handler_error.go

@@ -57,6 +57,8 @@ func writeListingError(c *gin.Context, err error) {
 		response.BadRequest(c, "发布比例必须在参考比例至参考比例加 10 之间")
 	case errors.Is(err, ErrDistributionSiteInvalid):
 		response.BadRequest(c, "分销站点无效或已停用")
+	case errors.Is(err, ErrPremiumOwnerRequired):
+		response.Error(c, http.StatusForbidden, "quality_owner_required", "仅优质号主可以发布到极品专区")
 	case isUploadValidationError(err):
 		response.BadRequest(c, err.Error())
 	case isFireLevelTooLow(err):

backend/internal/modules/listing/mutation.go

@@ -76,6 +76,9 @@ func (r *Repository) Create(ctx context.Context, ownerID uint64, req CreateReque
 			OwnerID:            ownerID,
 			PriceCent:          priceCent,
 			DepositAmountCent:  req.DepositAmountCent,
+			IsPremium:          req.IsPremium,
+			CompensationPlan:   req.CompensationPlan,
+			InsuranceFeeBps:    req.InsuranceFeeBps,
 			Status:             listingStatus,
 			ReviewStatus:       reviewStatus,
 			PublishedAt:        publishedAt,
@@ -289,6 +292,9 @@ func (r *Repository) Update(ctx context.Context, ownerID uint64, listingID uint6
 
 		listing.PriceCent = normalizedListingPriceCent(req)
 		listing.DepositAmountCent = req.DepositAmountCent
+		listing.IsPremium = req.IsPremium
+		listing.CompensationPlan = req.CompensationPlan
+		listing.InsuranceFeeBps = req.InsuranceFeeBps
 		fromStatus := listing.Status
 		listingStatus, reviewStatus, publishedAt := initialPublishState(reviewRequired)
 		listing.Status = listingStatus

backend/internal/modules/listing/presenter.go

@@ -18,6 +18,7 @@ type listingRow struct {
 	Title                string
 	OwnerPhone           string
 	OwnerNickname        string
+	OwnerIsQualityOwner  bool   `gorm:"column:owner_is_quality_owner"`
 	DisplaySourceChannel string `gorm:"column:display_source_channel"`
 	IsExternalUpload     bool   `gorm:"column:is_external_upload"`
 	DistributionSiteCode string `gorm:"column:distribution_site_code"`
@@ -171,6 +172,7 @@ func (row listingRow) toDTO() ListingDTO {
 		OwnerID:              row.OwnerID,
 		OwnerPhone:           row.OwnerPhone,
 		OwnerNickname:        row.OwnerNickname,
+		OwnerIsQualityOwner:  row.OwnerIsQualityOwner,
 		SourceChannel:        row.DisplaySourceChannel,
 		IsExternalUpload:     row.IsExternalUpload,
 		Title:                row.Title,
@@ -195,6 +197,9 @@ func (row listingRow) toDTO() ListingDTO {
 		DistributionSiteID:   row.DistributionSiteID,
 		DistributionSiteCode: row.DistributionSiteCode,
 		DistributionSiteName: row.DistributionSiteName,
+		IsPremium:            row.IsPremium,
+		CompensationPlan:     normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:      row.InsuranceFeeBps,
 		ReviewReason:         reviewReason,
 		PublishedAt:          row.PublishedAt,
 		CreatedAt:            row.CreatedAt,
@@ -231,6 +236,9 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 		SettlementMode:     listing.SettlementMode,
 		ManagedAdminID:     listing.ManagedAdminID,
 		DistributionSiteID: listing.DistributionSiteID,
+		IsPremium:          listing.IsPremium,
+		CompensationPlan:   normalizedCompensationPlan(listing.CompensationPlan),
+		InsuranceFeeBps:    listing.InsuranceFeeBps,
 		ReviewReason:       reviewReason,
 		PublishedAt:        listing.PublishedAt,
 		CreatedAt:          listing.CreatedAt,
@@ -238,6 +246,13 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 	}
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == CompensationPlanInsurance {
+		return CompensationPlanInsurance
+	}
+	return CompensationPlanNormal
+}
+
 func normalizedReviewState(status string, reviewStatus string, reviewReason string) (string, string) {
 	if status == "offline" {
 		return "none", reviewReason

backend/internal/modules/listing/public_filter.go

@@ -185,6 +185,8 @@ func matchesPublicZone(item ListingDTO, zone string) bool {
 		return strings.Contains(item.LoginPlatform, "账密") || strings.Contains(item.LoginPlatform, "账号密码")
 	case "highCoin":
 		return coinMFromListing(item) >= 100
+	case "premium":
+		return item.IsPremium
 	default:
 		return true
 	}
@@ -198,9 +200,10 @@ func publicZoneCounts(items []ListingDTO) map[string]int64 {
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, item := range items {
-		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin"} {
+		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin", "premium"} {
 			if matchesPublicZone(item, zone) {
 				counts[zone]++
 			}

backend/internal/modules/listing/public_filter_test.go

@@ -21,6 +21,17 @@ func TestFilterPublicListingsByRatio(t *testing.T) {
 	}
 }
 
+func TestMatchesPublicZonePremium(t *testing.T) {
+	premium := ListingDTO{ID: 1, IsPremium: true}
+	ordinary := ListingDTO{ID: 2}
+	if !matchesPublicZone(premium, "premium") {
+		t.Fatal("premium listing should match premium zone")
+	}
+	if matchesPublicZone(ordinary, "premium") {
+		t.Fatal("ordinary listing should not match premium zone")
+	}
+}
+
 func TestFilterPublicListingsRegionMultiSelectRequiresAll(t *testing.T) {
 	items := []ListingDTO{
 		{

backend/internal/modules/listing/public_query.go

@@ -185,7 +185,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 
 	var rows []publicZoneRow
 	err := r.db.WithContext(ctx).Table("rental_listings AS l").
-		Select("a.login_platform, a.haf_coin_amount, a.asset_summary").
+		Select("a.login_platform, a.haf_coin_amount, a.asset_summary, l.is_premium").
 		Joins("JOIN game_accounts AS a ON a.id = l.account_id").
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Scan(&rows).Error
@@ -199,6 +199,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, row := range rows {
 		summary := decodeAssetSummary(row.AssetSummary)
@@ -217,6 +218,9 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		if float64(row.HafCoinAmount)/1000000 >= 100 {
 			counts["highCoin"]++
 		}
+		if row.IsPremium {
+			counts["premium"]++
+		}
 	}
 	r.publicZoneCounts = publicZoneCountCache{
 		Counts:    counts,
@@ -319,4 +323,5 @@ type publicZoneRow struct {
 	LoginPlatform string
 	HafCoinAmount int64
 	AssetSummary  datatypes.JSON `gorm:"column:asset_summary"`
+	IsPremium     bool           `gorm:"column:is_premium"`
 }

backend/internal/modules/listing/quality_owner_entitlement_test.go

@@ -0,0 +1,64 @@
+package listing
+
+import (
+	"errors"
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/qualityowner"
+)
+
+func TestApplyPublishEntitlementsPremiumInsurance(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:              "13900009311",
+		RealnameStatus:     "verified",
+		Status:             "active",
+		QualityOwnerStatus: qualityowner.StatusActive,
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建优质号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+
+	req := CreateRequest{
+		IsPremium:        true,
+		CompensationPlan: CompensationPlanInsurance,
+	}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); err != nil {
+		t.Fatalf("应用优质号主发布权益失败: %v", err)
+	}
+	if req.InsuranceFeeBps != 400 {
+		t.Fatalf("极品专区保险费率 = %d, want 400", req.InsuranceFeeBps)
+	}
+
+	ordinary := CreateRequest{CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &ordinary); err != nil {
+		t.Fatalf("应用普通发布权益失败: %v", err)
+	}
+	if ordinary.InsuranceFeeBps != 800 {
+		t.Fatalf("普通保险费率 = %d, want 800", ordinary.InsuranceFeeBps)
+	}
+}
+
+func TestApplyPublishEntitlementsRejectsNonQualityPremiumOwner(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:          "13900009312",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建普通号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+	req := CreateRequest{IsPremium: true, CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); !errors.Is(err, ErrPremiumOwnerRequired) {
+		t.Fatalf("error = %v, want ErrPremiumOwnerRequired", err)
+	}
+}

backend/internal/modules/listing/query.go

@@ -225,6 +225,7 @@ func (r *Repository) baseQuery(ctx context.Context) *gorm.DB {
 	return r.db.WithContext(ctx).Table("rental_listings AS l").
 		Select(`l.*, a.title, a.description, a.game_name, a.server_region, a.login_platform, a.rank_level,
 			a.haf_coin_amount, a.asset_summary, a.screenshot_urls, COALESCE(u.phone, '') AS owner_phone, COALESCE(u.nickname, '') AS owner_nickname,
+			COALESCE(u.quality_owner_status = 'active', 0) AS owner_is_quality_owner,
 			CASE WHEN lu.id IS NULL THEN 0 ELSE 1 END AS is_external_upload,
 			COALESCE(src_site.site_code, '') AS distribution_site_code,
 			COALESCE(src_site.site_name, '') AS distribution_site_name,

backend/internal/modules/listing/repository.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"context"
 	"errors"
 	"sync"
 	"time"
@@ -57,6 +58,20 @@ func (r *Repository) syncPublishedShelf(tx *gorm.DB, listing *model.RentalListin
 	return r.shelfSyncer.EnsureListingShelvedTx(tx, listing.ID, listing.AccountID)
 }
 
+func (r *Repository) IsQualityOwner(ctx context.Context, userID uint64) (bool, error) {
+	if r == nil || r.db == nil {
+		return false, ErrDependencyUnavailable
+	}
+	var status string
+	err := r.db.WithContext(ctx).Model(&model.User{}).
+		Where("id = ?", userID).
+		Pluck("quality_owner_status", &status).Error
+	if err != nil {
+		return false, err
+	}
+	return status == "active", nil
+}
+
 type publicZoneCountCache struct {
 	Counts    map[string]int64
 	ExpiresAt time.Time

backend/internal/modules/listing/review.go

@@ -61,6 +61,9 @@ func (r *Repository) TransferOwner(ctx context.Context, adminID uint64, listingI
 			}
 			return err
 		}
+		if listing.IsPremium && target.QualityOwnerStatus != "active" {
+			return ErrPremiumOwnerRequired
+		}
 
 		beforeOwnerID := listing.OwnerID
 		listing.OwnerID = target.ID

backend/internal/modules/listing/service.go

@@ -33,6 +33,7 @@ var (
 	ErrExternalAdjustment       = errors.New("invalid external listing adjustment")
 	ErrSaleRatioOutOfRange      = errors.New("sale ratio out of range")
 	ErrDistributionSiteInvalid  = errors.New("invalid distribution site")
+	ErrPremiumOwnerRequired     = errors.New("premium listing requires quality owner")
 )
 
 type Service struct {
@@ -52,6 +53,8 @@ const (
 	defaultPublishCooldownMinutes = 5
 	maxExternalUploadItems        = 10
 	defaultUploadScreenshot       = "/api/listings/default-upload-screenshot?v=webp1"
+	CompensationPlanNormal        = "normal"
+	CompensationPlanInsurance     = "insurance"
 )
 
 type PublishCooldownError struct {

backend/internal/modules/listing/service_mutation.go

@@ -3,6 +3,8 @@ package listing
 import (
 	"context"
 	"strings"
+
+	"hfb_sys/backend/internal/modules/qualityowner"
 )
 
 func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest, siteCode ...string) (*ListingDTO, error) {
@@ -30,6 +32,9 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	cooldown, err := s.publishCooldown(ctx)
 	if err != nil {
 		return nil, err
@@ -63,6 +68,9 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	reviewRequired, err := s.reviewRequired(ctx)
 	if err != nil {
 		return nil, err
@@ -70,6 +78,45 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	return s.repo.Update(ctx, ownerID, id, req, reviewRequired)
 }
 
+func (s *Service) applyPublishEntitlements(ctx context.Context, ownerID uint64, req *CreateRequest) error {
+	req.CompensationPlan = strings.TrimSpace(req.CompensationPlan)
+	if req.CompensationPlan == "" {
+		req.CompensationPlan = CompensationPlanNormal
+	}
+	if req.CompensationPlan != CompensationPlanNormal && req.CompensationPlan != CompensationPlanInsurance {
+		return ErrInvalidInput
+	}
+
+	isQualityOwner, err := s.repo.IsQualityOwner(ctx, ownerID)
+	if err != nil {
+		return err
+	}
+	if req.IsPremium && !isQualityOwner {
+		return ErrPremiumOwnerRequired
+	}
+
+	req.InsuranceFeeBps = 0
+	if req.CompensationPlan != CompensationPlanInsurance {
+		return nil
+	}
+	rules := qualityowner.DefaultRules()
+	if s.config != nil {
+		value, err := s.config.FindValue(ctx, qualityowner.ConfigKey)
+		if err != nil {
+			return err
+		}
+		rules, err = qualityowner.ParseConfigValue(value)
+		if err != nil {
+			return err
+		}
+	}
+	req.InsuranceFeeBps = rules.InsuranceFeeBps
+	if req.IsPremium && isQualityOwner {
+		req.InsuranceFeeBps = rules.PremiumInsuranceFeeBps
+	}
+	return nil
+}
+
 func (s *Service) SubmitReview(ctx context.Context, ownerID uint64, id uint64) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable