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/systemconfig/service_update.go

@@ -5,6 +5,7 @@ import (
 	"strconv"
 	"strings"
 
+	"hfb_sys/backend/internal/modules/qualityowner"
 	"hfb_sys/backend/internal/modules/rentergrowth"
 	smsnode "hfb_sys/backend/internal/modules/sms"
 )
@@ -55,6 +56,17 @@ func (s *Service) Update(ctx context.Context, actorID uint64, key string, req Up
 		}
 		req.Value = value
 	}
+	if key == qualityowner.ConfigKey {
+		cfg, err := qualityowner.ParseConfigValue(req.Value)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		value, err := qualityowner.MarshalConfig(cfg)
+		if err != nil {
+			return nil, ErrInvalidConfig
+		}
+		req.Value = value
+	}
 	return s.repo.Update(ctx, actorID, key, req, meta)
 }