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/pricing.go

@@ -32,6 +32,8 @@ type checkoutSettlement struct {
 	DepositRefundCent       int64
 	RenterRefundCent        int64
 	PlatformFeeCent         int64
+	InsuranceFeeBps         int
+	InsuranceFeeCent        int64
 	ActualRentAmountCent    int64
 	PureCoinAmountCent      int64
 	PureCoinDiscountCent    int64
@@ -59,6 +61,8 @@ type ActualCheckoutSettlement struct {
 	DepositRefundCent       int64
 	RenterRefundCent        int64
 	PlatformFeeCent         int64
+	InsuranceFeeBps         int
+	InsuranceFeeCent        int64
 	ActualRentAmountCent    int64
 	PureCoinAmountCent      int64
 	PureCoinDiscountCent    int64
@@ -94,6 +98,8 @@ func toActualCheckoutSettlement(settlement checkoutSettlement) ActualCheckoutSet
 		DepositRefundCent:       settlement.DepositRefundCent,
 		RenterRefundCent:        settlement.RenterRefundCent,
 		PlatformFeeCent:         settlement.PlatformFeeCent,
+		InsuranceFeeBps:         settlement.InsuranceFeeBps,
+		InsuranceFeeCent:        settlement.InsuranceFeeCent,
 		ActualRentAmountCent:    settlement.ActualRentAmountCent,
 		PureCoinAmountCent:      settlement.PureCoinAmountCent,
 		PureCoinDiscountCent:    settlement.PureCoinDiscountCent,
@@ -273,6 +279,8 @@ func buildCheckout(order model.RentalOrder, initiatedBy uint64, status string, c
 		RentAmountCent:       settlement.ActualRentAmountCent,
 		OwnerRentAmountCent:  settlement.OwnerRentIncomeCent,
 		PlatformFeeCent:      settlement.PlatformFeeCent,
+		InsuranceFeeBps:      settlement.InsuranceFeeBps,
+		InsuranceFeeCent:     settlement.InsuranceFeeCent,
 		DepositAmountCent:    order.DepositAmountCent,
 		PureCoinAmountCent:   settlement.PureCoinAmountCent,
 		PureCoinDiscountCent: settlement.PureCoinDiscountCent,
@@ -398,6 +406,8 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 	// 可完结时租客实际承担的租金向金额；有 shortfall 时仍展示完整应付便于协商
 	actualRentAmountCent := actualBuyerRentCent
 	ownerRentIncomeCent := actualOwnerRentCent
+	insuranceFeeCent := calculateInsuranceFeeCent(ownerRentIncomeCent, order.InsuranceFeeBps)
+	ownerRentIncomeCent = maxCent(ownerRentIncomeCent-insuranceFeeCent, 0)
 	platformFeeCent := maxCent(actualRentAmountCent-ownerRentIncomeCent, 0)
 	depositCompensationCent := damageAppliedCent
 
@@ -409,6 +419,8 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 		DepositRefundCent:       depositRefundCent,
 		RenterRefundCent:        rentRefundCent + depositRefundCent,
 		PlatformFeeCent:         platformFeeCent,
+		InsuranceFeeBps:         order.InsuranceFeeBps,
+		InsuranceFeeCent:        insuranceFeeCent,
 		ActualRentAmountCent:    actualRentAmountCent,
 		PureCoinAmountCent:      usedBuyerCoinPriceCent,
 		PureCoinDiscountCent:    pureCoinDiscountCent,
@@ -420,6 +432,14 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 	}
 }
 
+func calculateInsuranceFeeCent(ownerRentIncomeCent int64, feeBps int) int64 {
+	if ownerRentIncomeCent <= 0 || feeBps <= 0 {
+		return 0
+	}
+	feeCent := (ownerRentIncomeCent*int64(feeBps) + 5_000) / 10_000
+	return minCent(feeCent, ownerRentIncomeCent)
+}
+
 func orderPureCoinOriginalAmountCent(order model.RentalOrder) int64 {
 	originalRentCent := effectiveRentOriginalAmountCent(order)
 	if order.PureCoinOriginalAmountCent > 0 {