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

frontend/src/features/auth/views/MobileProfileView.css

@@ -96,6 +96,16 @@
   border: none;
 }
 
+.owner-quality-tag {
+  height: 18px;
+  padding: 0 7px;
+  border: 1px solid #d8b4fe;
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%) !important;
+  color: #fff !important;
+  font-size: 10px !important;
+  font-weight: 800;
+}
+
 .user-meta {
   margin: 4px 0 0;
   color: #6b7280;
@@ -664,6 +674,76 @@
   font-weight: 800;
 }
 
+.quality-owner-card {
+  display: grid;
+  gap: 12px;
+  margin: 10px 12px;
+  padding: 16px;
+  border: 1px solid #e9e2fb;
+  border-radius: 14px;
+  background: linear-gradient(135deg, #faf8ff 0%, #ffffff 72%);
+}
+
+.quality-owner-card.is-active {
+  border-color: #c4b5fd;
+}
+
+.quality-owner-heading,
+.quality-owner-info {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 10px;
+}
+
+.quality-owner-heading > div,
+.quality-owner-info > div {
+  display: grid;
+  gap: 3px;
+}
+
+.quality-owner-heading span,
+.quality-owner-info span {
+  color: #7b8492;
+  font-size: 11px;
+  font-weight: 700;
+}
+
+.quality-owner-heading strong {
+  color: #312e81;
+  font-size: 15px;
+  font-weight: 900;
+}
+
+.quality-owner-info {
+  gap: 8px;
+}
+
+.quality-owner-info > div {
+  flex: 1;
+  padding: 10px;
+  border-radius: 8px;
+  background: rgba(245, 243, 255, 0.85);
+}
+
+.quality-owner-info strong {
+  color: #6d28d9;
+  font-size: 14px;
+  font-weight: 900;
+}
+
+.quality-owner-actions {
+  display: grid;
+  gap: 8px;
+}
+
+.quality-owner-card p {
+  margin: 0;
+  color: #7b8492;
+  font-size: 11px;
+  line-height: 1.5;
+}
+
 /* ========== 响应式适配 ========== */
 @media (min-width: 520px) {
   .mobile-profile-shell {