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/payment/handler.go

@@ -111,6 +111,22 @@ func (h *Handler) StartMohong(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) StartQualityOwner(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	var req StartPaymentRequest
+	_ = c.ShouldBindJSON(&req)
+	item, err := h.service.StartQualityOwner(c.Request.Context(), userID, req, c.ClientIP())
+	if err != nil {
+		writePaymentError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) Query(c *gin.Context) {
 	userID, ok := currentUserID(c)
 	if !ok {
@@ -147,6 +163,20 @@ func (h *Handler) QueryMohong(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) QueryQualityOwner(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	item, err := h.service.QueryQualityOwner(c.Request.Context(), userID)
+	if err != nil {
+		writePaymentError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) AdminRefundMohong(c *gin.Context) {
 	orderID, ok := parseID(c)
 	if !ok {