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/order/dto.go

@@ -58,6 +58,10 @@ type OrderDTO struct {
 	AccountSnapshot             datatypes.JSON    `json:"account_snapshot"`
 	AccountSource               string            `json:"account_source"`
 	SourceChannel               string            `json:"source_channel,omitempty"`
+	IsPremium                   bool              `json:"is_premium"`
+	CompensationPlan            string            `json:"compensation_plan"`
+	InsuranceFeeBps             int               `json:"insurance_fee_bps"`
+	InsuranceFeeCent            int64             `json:"insurance_fee_cent"`
 	Status                      string            `json:"status"`
 	HandoffStatus               string            `json:"handoff_status"`
 	HandoffMode                 string            `json:"handoff_mode"`
@@ -330,6 +334,8 @@ type CheckoutDTO struct {
 	RentAmountCent          *int64     `json:"rent_amount_cent,omitempty"`
 	OwnerRentAmountCent     *int64     `json:"owner_rent_amount_cent,omitempty"`
 	PlatformFeeCent         *int64     `json:"platform_fee_cent,omitempty"`
+	InsuranceFeeBps         int        `json:"insurance_fee_bps"`
+	InsuranceFeeCent        int64      `json:"insurance_fee_cent"`
 	DepositAmountCent       int64      `json:"deposit_amount_cent"`
 	PureCoinAmountCent      int64      `json:"pure_coin_amount_cent"`
 	PureCoinDiscountCent    int64      `json:"pure_coin_discount_cent"`