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.vue

@@ -18,6 +18,18 @@ import { uploadFile } from '@/shared/api/files'
 import { formatCent } from '@/shared/utils/money'
 import { setPassword } from '@/features/auth/api/auth'
 import { fetchUserInvitationSummary } from '@/features/invitation/api/invitation'
+import {
+  activateQualityOwner,
+  fetchQualityOwnerStatus,
+  queryQualityOwnerPayment,
+  startQualityOwnerPayment,
+  type QualityOwnerStatus,
+} from '@/features/quality-owner/api/qualityOwner'
+import type { PaymentPayWay } from '@/features/orders/api/orders'
+import { useMobilePayWaySelect } from '@/features/orders/composables/useMobilePayWaySelect'
+import { useMobilePaymentCashier } from '@/features/orders/composables/useMobilePaymentCashier'
+import MobilePayWaySelectPopup from '@/features/orders/components/MobilePayWaySelectPopup.vue'
+import MobilePaymentCashierPopup from '@/features/orders/components/MobilePaymentCashierPopup.vue'
 
 import { useDistributionSiteStore } from '@/stores/distributionSite'
 
@@ -33,6 +45,22 @@ const { unreadCount: notificationUnreadCount, unreadLabel: notificationUnreadLab
 
 /** 数据项 */
 const availableBalanceCent = ref(0)
+const qualityOwnerStatus = ref<QualityOwnerStatus | null>(null)
+const qualityOwnerLoading = ref(false)
+const qualityOwnerOnlineLoading = ref(false)
+const qualityOwnerPayWaySelect = useMobilePayWaySelect()
+const qualityOwnerCashier = useMobilePaymentCashier({
+  queryPayment: () => queryQualityOwnerPayment(),
+  paidMessage: '保证金支付成功，优质号主已开通',
+})
+const {
+  paymentPopupVisible: qualityOwnerPaymentPopupVisible,
+  activePayment: activeQualityOwnerPayment,
+  payURL: qualityOwnerPaymentPayURL,
+  paymentQRCodeURL: qualityOwnerPaymentQRCodeURL,
+  qrGenerating: qualityOwnerPaymentQRGenerating,
+  checkingPayment: qualityOwnerPaymentChecking,
+} = qualityOwnerCashier
 const showSettings = ref(false)
 const showProfileEditor = ref(false)
 const savingProfile = ref(false)
@@ -121,10 +149,72 @@ onMounted(async () => {
       // 保留本地会话展示，避免个人中心因网络短暂异常整页不可用。
     }
     void loadBalance()
+    void loadQualityOwnerStatus()
     void loadInviteRate()
   }
 })
 
+async function loadQualityOwnerStatus() {
+  try {
+    qualityOwnerStatus.value = await fetchQualityOwnerStatus()
+  } catch {
+    qualityOwnerStatus.value = null
+  }
+}
+
+async function handleActivateQualityOwner() {
+  const status = qualityOwnerStatus.value
+  if (!status || status.active) return
+  try {
+    await showDialog({
+      title: '开通优质号主',
+      message: `确认从可用余额中扣除 ¥${formatCent(
+        status.required_deposit_cent
+      )} 作为保证金？取消资格时会退回余额。`,
+      showCancelButton: true,
+      confirmButtonText: '确认缴纳',
+      cancelButtonText: '取消',
+    })
+  } catch {
+    return
+  }
+  qualityOwnerLoading.value = true
+  try {
+    qualityOwnerStatus.value = await activateQualityOwner()
+    await session.loadMe()
+    await loadBalance()
+    showToast({ message: '优质号主已开通', icon: 'passed' })
+  } catch (error) {
+    showToast({ message: readError(error, '开通失败，请确认余额充足'), icon: 'cross' })
+  } finally {
+    qualityOwnerLoading.value = false
+  }
+}
+
+async function handleOnlineQualityOwnerPayment() {
+  const payWay = await qualityOwnerPayWaySelect.select()
+  if (!payWay) return
+  qualityOwnerOnlineLoading.value = true
+  try {
+    const payment = await startQualityOwnerPayment(payWay as PaymentPayWay)
+    if (payment.paid) {
+      await handleQualityOwnerPaid()
+      return
+    }
+    await qualityOwnerCashier.openMobilePaymentCashier(payment, handleQualityOwnerPaid)
+  } catch (error) {
+    showToast({ message: readError(error, '发起在线支付失败'), icon: 'cross' })
+  } finally {
+    qualityOwnerOnlineLoading.value = false
+  }
+}
+
+async function handleQualityOwnerPaid() {
+  qualityOwnerStatus.value = await fetchQualityOwnerStatus()
+  await session.loadMe()
+  await loadBalance()
+}
+
 async function loadBalance() {
   try {
     const wallet = await fetchWalletBalance()
@@ -366,6 +456,9 @@ function resolveAvatarURL(url: string | undefined | null) {
               >
                 未实名
               </van-tag>
+              <van-tag v-if="qualityOwnerStatus?.active" round class="owner-quality-tag">
+                <van-icon name="award-o" /> 优质号主
+              </van-tag>
             </div>
             <p class="user-meta">ID: {{ displayId }} · {{ maskedPhone }}</p>
           </div>
@@ -393,6 +486,65 @@ function resolveAvatarURL(url: string | undefined | null) {
         </div>
       </section>
 
+      <section class="quality-owner-card" :class="{ 'is-active': qualityOwnerStatus?.active }">
+        <div class="quality-owner-heading">
+          <div>
+            <span>优质号主</span>
+            <strong>{{ qualityOwnerStatus?.active ? '已开通' : '解锁极品专区发布权限' }}</strong>
+          </div>
+          <van-tag :type="qualityOwnerStatus?.active ? 'success' : 'default'" round>
+            {{ qualityOwnerStatus?.active ? '优质号主' : '未开通' }}
+          </van-tag>
+        </div>
+        <div class="quality-owner-info">
+          <div>
+            <span>保证金</span>
+            <strong>¥{{ formatCent(qualityOwnerStatus?.required_deposit_cent || 20000) }}</strong>
+          </div>
+          <div>
+            <span>极品专区保险费率</span>
+            <strong
+              >{{
+                ((qualityOwnerStatus?.premium_insurance_fee_bps || 400) / 100).toFixed(1)
+              }}%</strong
+            >
+          </div>
+        </div>
+        <div v-if="!qualityOwnerStatus?.active" class="quality-owner-actions">
+          <van-button
+            block
+            round
+            type="primary"
+            color="#7c3aed"
+            :loading="qualityOwnerLoading"
+            :disabled="
+              (qualityOwnerStatus?.available_balance_cent || 0) <
+              (qualityOwnerStatus?.required_deposit_cent || 20000)
+            "
+            @click="handleActivateQualityOwner"
+          >
+            余额支付开通
+          </van-button>
+          <van-button
+            block
+            round
+            plain
+            type="primary"
+            :loading="qualityOwnerOnlineLoading"
+            @click="handleOnlineQualityOwnerPayment"
+          >
+            微信 / 支付宝支付开通
+          </van-button>
+        </div>
+        <p v-else>
+          {{
+            qualityOwnerStatus?.deposit_source === 'manual'
+              ? '已由后台开通优质号主。'
+              : '保证金已冻结，取消优质号主资格时退回可用余额。'
+          }}
+        </p>
+      </section>
+
       <!-- 余额卡片 - 银行卡质感暗色卡片 -->
       <div class="balance-card">
         <div class="balance-row">
@@ -496,6 +648,22 @@ function resolveAvatarURL(url: string | undefined | null) {
       </div>
     </template>
 
+    <MobilePayWaySelectPopup
+      v-model:show="qualityOwnerPayWaySelect.visible.value"
+      @choose="qualityOwnerPayWaySelect.choose"
+      @closed="qualityOwnerPayWaySelect.handleClosed"
+    />
+
+    <MobilePaymentCashierPopup
+      v-model:show="qualityOwnerPaymentPopupVisible"
+      :payment="activeQualityOwnerPayment"
+      :pay-url="qualityOwnerPaymentPayURL"
+      :qr-code-url="qualityOwnerPaymentQRCodeURL"
+      :qr-generating="qualityOwnerPaymentQRGenerating"
+      :checking="qualityOwnerPaymentChecking"
+      @refresh="qualityOwnerCashier.refreshPaymentStatus(false)"
+    />
+
     <!-- 账单明细 Popup -->
     <van-popup
       v-model:show="showLedgers"