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/repository.go

@@ -19,12 +19,19 @@ type MohongOrderConfirmer interface {
 	NotifyNewConversation(conversationID uint64)
 }
 
+// QualityOwnerPaymentAdapter 由优质号主模块实现，避免 payment 与 qualityowner 直接耦合。
+type QualityOwnerPaymentAdapter interface {
+	PaymentAmount(ctx context.Context, userID uint64) (amountCent int64, active bool, err error)
+	ConfirmQualityOwnerDepositPaidTx(tx *gorm.DB, userID uint64, amountCent int64, paymentNo string) error
+}
+
 type Repository struct {
-	db         *gorm.DB
-	configRepo *paymentconfig.Repository
-	orderRepo  *order.Repository
-	mohongRepo MohongOrderConfirmer
-	logger     *zap.Logger
+	db               *gorm.DB
+	configRepo       *paymentconfig.Repository
+	orderRepo        *order.Repository
+	mohongRepo       MohongOrderConfirmer
+	qualityOwnerRepo QualityOwnerPaymentAdapter
+	logger           *zap.Logger
 }
 
 type runtimePaymentConfig struct {
@@ -96,6 +103,13 @@ func WithMohongRepo(repo MohongOrderConfirmer) RepositoryOption {
 	}
 }
 
+// WithQualityOwnerRepo 注入优质号主保证金支付适配器。
+func WithQualityOwnerRepo(repo QualityOwnerPaymentAdapter) RepositoryOption {
+	return func(r *Repository) {
+		r.qualityOwnerRepo = repo
+	}
+}
+
 func (r *Repository) log() *zap.Logger {
 	if r == nil || r.logger == nil {
 		return zap.NewNop()