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/service.go

@@ -42,6 +42,16 @@ func (s *Service) StartMohong(ctx context.Context, userID uint64, orderID uint64
 	return s.repo.StartMohong(ctx, userID, orderID, req, clientIP)
 }
 
+func (s *Service) StartQualityOwner(ctx context.Context, userID uint64, req StartPaymentRequest, clientIP string) (*PaymentDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrPaymentCannotStart
+	}
+	return s.repo.StartQualityOwner(ctx, userID, req, clientIP)
+}
+
 func (s *Service) Query(ctx context.Context, userID uint64, orderID uint64) (*PaymentDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
@@ -62,6 +72,16 @@ func (s *Service) QueryMohong(ctx context.Context, userID uint64, orderID uint64
 	return s.repo.QueryMohong(ctx, userID, orderID)
 }
 
+func (s *Service) QueryQualityOwner(ctx context.Context, userID uint64) (*PaymentDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrPaymentNotFound
+	}
+	return s.repo.QueryQualityOwner(ctx, userID)
+}
+
 func (s *Service) HandleLeshuaNotify(ctx context.Context, params map[string]string, rawPayload string, contentType string) (*NotifyResult, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable