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/payment_start.go

@@ -20,6 +20,11 @@ func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, r
 	if err != nil {
 		return nil, err
 	}
+	return r.startPreparedPayment(ctx, payment, "租号订单 "+orderRow.OrderNo, orderRow.OrderNo, clientIP)
+}
+
+// startPreparedPayment 对已经创建或复用的支付单执行渠道下单、收银台复用或模拟支付。
+func (r *Repository) startPreparedPayment(ctx context.Context, payment *model.PaymentOrder, body string, attach string, clientIP string) (*PaymentDTO, error) {
 	runtimeConfig, err := r.runtimeConfigForPayment(ctx, payment)
 	if err != nil {
 		return nil, ErrPaymentUnavailable
@@ -64,8 +69,8 @@ func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, r
 		NotifyURL:    runtimeConfig.NotifyURL,
 		JumpURL:      runtimeConfig.JumpURL,
 		ClientIP:     clientIP,
-		Body:         "租号订单 " + orderRow.OrderNo,
-		Attach:       orderRow.OrderNo,
+		Body:         body,
+		Attach:       attach,
 	})
 	if err != nil {
 		_ = r.markPaymentFailed(ctx, payment.ID, nil, err.Error())