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/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