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/model/listing.go

@@ -43,6 +43,9 @@ type RentalListing struct {
 	ManagedAdminID     *uint64    `gorm:"index" json:"managed_admin_id"`
 	DistributionSiteID *uint64    `gorm:"column:distribution_site_id;index" json:"distribution_site_id,omitempty"`
 	SourceChannel      string     `gorm:"size:64;not null;default:''" json:"-"`
+	IsPremium          bool       `gorm:"not null;default:false" json:"is_premium"`
+	CompensationPlan   string     `gorm:"size:16;not null;default:'normal'" json:"compensation_plan"`
+	InsuranceFeeBps    int        `gorm:"not null;default:0" json:"insurance_fee_bps"`
 	ReviewReason       string     `gorm:"size:255;not null;default:''" json:"review_reason"`
 	PublishedAt        *time.Time `json:"published_at"`
 	CreatedAt          time.Time  `json:"created_at"`

backend/internal/model/order.go

@@ -53,6 +53,10 @@ type RentalOrder struct {
 	DistributionSiteID          *uint64    `gorm:"index" json:"distribution_site_id,omitempty"`
 	DistributionMode            string     `gorm:"size:32;not null;default:'';index" json:"distribution_mode"`
 	DistributionRuleVersionID   *uint64    `gorm:"index" json:"distribution_rule_version_id,omitempty"`
+	IsPremium                   bool       `gorm:"not null;default:false" json:"is_premium"`
+	CompensationPlan            string     `gorm:"size:16;not null;default:'normal'" json:"compensation_plan"`
+	InsuranceFeeBps             int        `gorm:"not null;default:0" json:"insurance_fee_bps"`
+	InsuranceFeeCent            int64      `gorm:"not null;default:0" json:"insurance_fee_cent"`
 	Status                      string     `gorm:"size:32;not null;default:'pending_payment'" json:"status"`
 	HandoffStatus               string     `gorm:"size:32;not null;default:'none'" json:"handoff_status"`
 	HandoffMode                 string     `gorm:"size:16;not null;default:'owner';index" json:"handoff_mode"`

backend/internal/model/order_checkout.go

@@ -17,6 +17,8 @@ type OrderCheckout struct {
 	RentAmountCent          int64          `gorm:"not null;default:0" json:"-"`
 	OwnerRentAmountCent     int64          `gorm:"not null;default:0" json:"-"`
 	PlatformFeeCent         int64          `gorm:"not null;default:0" json:"-"`
+	InsuranceFeeBps         int            `gorm:"not null;default:0" json:"-"`
+	InsuranceFeeCent        int64          `gorm:"not null;default:0" json:"-"`
 	DepositAmountCent       int64          `gorm:"not null;default:0" json:"-"`
 	PureCoinAmountCent      int64          `gorm:"not null;default:0" json:"-"`
 	PureCoinDiscountCent    int64          `gorm:"not null;default:0" json:"-"`

backend/internal/model/payment.go

@@ -11,6 +11,7 @@ type PaymentOrder struct {
 	PaymentNo       string         `gorm:"size:64;not null;uniqueIndex" json:"payment_no"`
 	OrderID         uint64         `gorm:"not null;index" json:"order_id"`
 	OrderNo         string         `gorm:"size:64;not null;index" json:"order_no"`
+	BizID           uint64         `gorm:"not null;default:0;index:idx_payment_orders_user_biz,priority:3" json:"biz_id"`
 	UserID          uint64         `gorm:"not null;index" json:"user_id"`
 	PaymentConfigID uint64         `gorm:"not null;default:0;index" json:"payment_config_id"`
 	Provider        string         `gorm:"size:32;not null" json:"provider"`

backend/internal/model/user.go

@@ -3,18 +3,22 @@ package model
 import "time"
 
 type User struct {
-	ID                   uint64 `gorm:"primaryKey" json:"id"`
+	ID                        uint64     `gorm:"primaryKey" json:"id"`
-	Phone                string `gorm:"size:32;not null;uniqueIndex" json:"phone"`
+	Phone                     string     `gorm:"size:32;not null;uniqueIndex" json:"phone"`
-	PasswordHash         string `gorm:"size:255;not null;default:''" json:"-"`
+	PasswordHash              string     `gorm:"size:255;not null;default:''" json:"-"`
-	Nickname             string `gorm:"size:64;not null;default:''" json:"nickname"`
+	Nickname                  string     `gorm:"size:64;not null;default:''" json:"nickname"`
-	AvatarURL            string `gorm:"size:512;not null;default:''" json:"avatar_url"`
+	AvatarURL                 string     `gorm:"size:512;not null;default:''" json:"avatar_url"`
-	RealnameStatus       string `gorm:"size:32;not null;default:'unverified'" json:"realname_status"`
+	RealnameStatus            string     `gorm:"size:32;not null;default:'unverified'" json:"realname_status"`
-	RiskStatus           string `gorm:"size:32;not null;default:'normal'" json:"risk_status"`
+	RiskStatus                string     `gorm:"size:32;not null;default:'normal'" json:"risk_status"`
-	CreditScore          int    `gorm:"not null;default:100" json:"credit_score"`
+	CreditScore               int        `gorm:"not null;default:100" json:"credit_score"`
-	DepositFreeQuotaCent int64  `gorm:"not null;default:0" json:"-"`
+	DepositFreeQuotaCent      int64      `gorm:"not null;default:0" json:"-"`
-	RenterGrowthPoints   int64  `gorm:"not null;default:0;index:idx_users_renter_growth_level,priority:2" json:"renter_growth_points"`
+	RenterGrowthPoints        int64      `gorm:"not null;default:0;index:idx_users_renter_growth_level,priority:2" json:"renter_growth_points"`
-	RenterGrowthLevel    string `gorm:"size:32;not null;default:'normal';index:idx_users_renter_growth_level,priority:1" json:"renter_growth_level"`
+	RenterGrowthLevel         string     `gorm:"size:32;not null;default:'normal';index:idx_users_renter_growth_level,priority:1" json:"renter_growth_level"`
-	Status               string `gorm:"size:32;not null;default:'active'" json:"status"`
+	Status                    string     `gorm:"size:32;not null;default:'active'" json:"status"`
+	QualityOwnerStatus        string     `gorm:"size:16;not null;default:'none';index:idx_users_quality_owner_status" json:"quality_owner_status"`
+	QualityOwnerDepositCent   int64      `gorm:"not null;default:0" json:"quality_owner_deposit_cent"`
+	QualityOwnerDepositSource string     `gorm:"size:16;not null;default:''" json:"quality_owner_deposit_source"`
+	QualityOwnerActivatedAt   *time.Time `json:"quality_owner_activated_at"`
 	// 会话版本：递增后该用户已签发的全部令牌立即失效。
 	// 默认值对齐迁移 000052 的 users.token_version DEFAULT 0。
 	TokenVersion int64 `gorm:"not null;default:0" json:"-"`

backend/internal/modules/adminuser/dto.go

@@ -20,6 +20,10 @@ type UserDTO struct {
 	RenterGrowthLevelName         string     `json:"renter_growth_level_name"`
 	AvailableBalanceCent          int64      `json:"available_balance_cent"`
 	FrozenBalanceCent             int64      `json:"frozen_balance_cent"`
+	QualityOwnerStatus            string     `json:"quality_owner_status"`
+	QualityOwnerDepositCent       int64      `json:"quality_owner_deposit_cent"`
+	QualityOwnerDepositSource     string     `json:"quality_owner_deposit_source"`
+	QualityOwnerActivatedAt       *time.Time `json:"quality_owner_activated_at"`
 	Status                        string     `json:"status"`
 	OrderCount                    int64      `json:"order_count"`
 	ListingCount                  int64      `json:"listing_count"`
@@ -65,6 +69,7 @@ type ListQuery struct {
 	Keyword             string
 	Status              string
 	HasDepositFreeQuota bool
+	QualityOwnerOnly    bool
 }
 
 type PaginatedResult struct {

backend/internal/modules/adminuser/handler.go

@@ -41,6 +41,7 @@ func (h *Handler) List(c *gin.Context) {
 		Keyword:             strings.TrimSpace(c.Query("keyword")),
 		Status:              strings.TrimSpace(c.Query("status")),
 		HasDepositFreeQuota: parseBoolQuery(c.Query("has_deposit_free_quota")),
+		QualityOwnerOnly:    parseBoolQuery(c.Query("quality_owner_only")),
 	}
 	result, err := h.service.List(c.Request.Context(), page, pageSize, query)
 	if err != nil {

backend/internal/modules/adminuser/repository.go

@@ -106,6 +106,9 @@ func applyUserFilter(tx *gorm.DB, query ListQuery, growthConfig rentergrowth.Con
 			tx = tx.Where("u.deposit_free_quota_cent > 0")
 		}
 	}
+	if query.QualityOwnerOnly {
+		tx = tx.Where("u.quality_owner_status = ?", "active")
+	}
 	if keyword := strings.TrimSpace(query.Keyword); keyword != "" {
 		if len(keyword) == 11 && keyword[0] == '1' && isAllDigits(keyword) {
 			// 11 位手机号：命中 users(phone) 唯一索引
@@ -563,6 +566,10 @@ func (row userRow) toDTO(growthConfig rentergrowth.Config) UserDTO {
 		RenterGrowthLevelName:         level.Name,
 		AvailableBalanceCent:          row.AvailableBalanceCent,
 		FrozenBalanceCent:             row.FrozenBalanceCent,
+		QualityOwnerStatus:            row.QualityOwnerStatus,
+		QualityOwnerDepositCent:       row.QualityOwnerDepositCent,
+		QualityOwnerDepositSource:     row.QualityOwnerDepositSource,
+		QualityOwnerActivatedAt:       row.QualityOwnerActivatedAt,
 		Status:                        row.Status,
 		OrderCount:                    row.OrderCount,
 		ListingCount:                  row.ListingCount,

backend/internal/modules/listing/dto.go

@@ -15,6 +15,7 @@ type ListingDTO struct {
 	OwnerID                    uint64         `json:"owner_id"`
 	OwnerPhone                 string         `json:"owner_phone,omitempty"`
 	OwnerNickname              string         `json:"owner_nickname,omitempty"`
+	OwnerIsQualityOwner        bool           `json:"owner_is_quality_owner"`
 	SourceChannel              string         `json:"source_channel,omitempty"`
 	IsExternalUpload           bool           `json:"is_external_upload"`
 	Title                      string         `json:"title"`
@@ -41,6 +42,9 @@ type ListingDTO struct {
 	DistributionSiteID         *uint64        `json:"distribution_site_id,omitempty"`
 	DistributionSiteCode       string         `json:"distribution_site_code,omitempty"`
 	DistributionSiteName       string         `json:"distribution_site_name,omitempty"`
+	IsPremium                  bool           `json:"is_premium"`
+	CompensationPlan           string         `json:"compensation_plan"`
+	InsuranceFeeBps            int            `json:"insurance_fee_bps"`
 	ListingGroupConversationID uint64         `json:"listing_group_conversation_id,omitempty"`
 	CreatedAt                  time.Time      `json:"created_at"`
 	UpdatedAt                  time.Time      `json:"updated_at"`
@@ -57,6 +61,9 @@ type CreateRequest struct {
 	ScreenshotURLS    []string       `json:"screenshot_urls"`
 	PriceCent         int64          `json:"price_cent"`
 	DepositAmountCent int64          `json:"deposit_amount_cent"`
+	IsPremium         bool           `json:"is_premium"`
+	CompensationPlan  string         `json:"compensation_plan" binding:"omitempty,oneof=normal insurance"`
+	InsuranceFeeBps   int            `json:"-"` // 服务端按配置和用户资格生成，不接受前端指定。
 
 	AgreedVirtualAssetSale bool `json:"agreed_virtual_asset_sale"`
 	AgreedSellerAgreement  bool `json:"agreed_seller_agreement"`

backend/internal/modules/listing/handler_error.go

@@ -57,6 +57,8 @@ func writeListingError(c *gin.Context, err error) {
 		response.BadRequest(c, "发布比例必须在参考比例至参考比例加 10 之间")
 	case errors.Is(err, ErrDistributionSiteInvalid):
 		response.BadRequest(c, "分销站点无效或已停用")
+	case errors.Is(err, ErrPremiumOwnerRequired):
+		response.Error(c, http.StatusForbidden, "quality_owner_required", "仅优质号主可以发布到极品专区")
 	case isUploadValidationError(err):
 		response.BadRequest(c, err.Error())
 	case isFireLevelTooLow(err):

backend/internal/modules/listing/mutation.go

@@ -76,6 +76,9 @@ func (r *Repository) Create(ctx context.Context, ownerID uint64, req CreateReque
 			OwnerID:            ownerID,
 			PriceCent:          priceCent,
 			DepositAmountCent:  req.DepositAmountCent,
+			IsPremium:          req.IsPremium,
+			CompensationPlan:   req.CompensationPlan,
+			InsuranceFeeBps:    req.InsuranceFeeBps,
 			Status:             listingStatus,
 			ReviewStatus:       reviewStatus,
 			PublishedAt:        publishedAt,
@@ -289,6 +292,9 @@ func (r *Repository) Update(ctx context.Context, ownerID uint64, listingID uint6
 
 		listing.PriceCent = normalizedListingPriceCent(req)
 		listing.DepositAmountCent = req.DepositAmountCent
+		listing.IsPremium = req.IsPremium
+		listing.CompensationPlan = req.CompensationPlan
+		listing.InsuranceFeeBps = req.InsuranceFeeBps
 		fromStatus := listing.Status
 		listingStatus, reviewStatus, publishedAt := initialPublishState(reviewRequired)
 		listing.Status = listingStatus

backend/internal/modules/listing/presenter.go

@@ -18,6 +18,7 @@ type listingRow struct {
 	Title                string
 	OwnerPhone           string
 	OwnerNickname        string
+	OwnerIsQualityOwner  bool   `gorm:"column:owner_is_quality_owner"`
 	DisplaySourceChannel string `gorm:"column:display_source_channel"`
 	IsExternalUpload     bool   `gorm:"column:is_external_upload"`
 	DistributionSiteCode string `gorm:"column:distribution_site_code"`
@@ -171,6 +172,7 @@ func (row listingRow) toDTO() ListingDTO {
 		OwnerID:              row.OwnerID,
 		OwnerPhone:           row.OwnerPhone,
 		OwnerNickname:        row.OwnerNickname,
+		OwnerIsQualityOwner:  row.OwnerIsQualityOwner,
 		SourceChannel:        row.DisplaySourceChannel,
 		IsExternalUpload:     row.IsExternalUpload,
 		Title:                row.Title,
@@ -195,6 +197,9 @@ func (row listingRow) toDTO() ListingDTO {
 		DistributionSiteID:   row.DistributionSiteID,
 		DistributionSiteCode: row.DistributionSiteCode,
 		DistributionSiteName: row.DistributionSiteName,
+		IsPremium:            row.IsPremium,
+		CompensationPlan:     normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:      row.InsuranceFeeBps,
 		ReviewReason:         reviewReason,
 		PublishedAt:          row.PublishedAt,
 		CreatedAt:            row.CreatedAt,
@@ -231,6 +236,9 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 		SettlementMode:     listing.SettlementMode,
 		ManagedAdminID:     listing.ManagedAdminID,
 		DistributionSiteID: listing.DistributionSiteID,
+		IsPremium:          listing.IsPremium,
+		CompensationPlan:   normalizedCompensationPlan(listing.CompensationPlan),
+		InsuranceFeeBps:    listing.InsuranceFeeBps,
 		ReviewReason:       reviewReason,
 		PublishedAt:        listing.PublishedAt,
 		CreatedAt:          listing.CreatedAt,
@@ -238,6 +246,13 @@ func toDTO(account model.GameAccount, listing model.RentalListing) *ListingDTO {
 	}
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == CompensationPlanInsurance {
+		return CompensationPlanInsurance
+	}
+	return CompensationPlanNormal
+}
+
 func normalizedReviewState(status string, reviewStatus string, reviewReason string) (string, string) {
 	if status == "offline" {
 		return "none", reviewReason

backend/internal/modules/listing/public_filter.go

@@ -185,6 +185,8 @@ func matchesPublicZone(item ListingDTO, zone string) bool {
 		return strings.Contains(item.LoginPlatform, "账密") || strings.Contains(item.LoginPlatform, "账号密码")
 	case "highCoin":
 		return coinMFromListing(item) >= 100
+	case "premium":
+		return item.IsPremium
 	default:
 		return true
 	}
@@ -198,9 +200,10 @@ func publicZoneCounts(items []ListingDTO) map[string]int64 {
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, item := range items {
-		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin"} {
+		for _, zone := range []string{"sale", "gift", "night", "password", "highCoin", "premium"} {
 			if matchesPublicZone(item, zone) {
 				counts[zone]++
 			}

backend/internal/modules/listing/public_filter_test.go

@@ -21,6 +21,17 @@ func TestFilterPublicListingsByRatio(t *testing.T) {
 	}
 }
 
+func TestMatchesPublicZonePremium(t *testing.T) {
+	premium := ListingDTO{ID: 1, IsPremium: true}
+	ordinary := ListingDTO{ID: 2}
+	if !matchesPublicZone(premium, "premium") {
+		t.Fatal("premium listing should match premium zone")
+	}
+	if matchesPublicZone(ordinary, "premium") {
+		t.Fatal("ordinary listing should not match premium zone")
+	}
+}
+
 func TestFilterPublicListingsRegionMultiSelectRequiresAll(t *testing.T) {
 	items := []ListingDTO{
 		{

backend/internal/modules/listing/public_query.go

@@ -185,7 +185,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 
 	var rows []publicZoneRow
 	err := r.db.WithContext(ctx).Table("rental_listings AS l").
-		Select("a.login_platform, a.haf_coin_amount, a.asset_summary").
+		Select("a.login_platform, a.haf_coin_amount, a.asset_summary, l.is_premium").
 		Joins("JOIN game_accounts AS a ON a.id = l.account_id").
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Scan(&rows).Error
@@ -199,6 +199,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, row := range rows {
 		summary := decodeAssetSummary(row.AssetSummary)
@@ -217,6 +218,9 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		if float64(row.HafCoinAmount)/1000000 >= 100 {
 			counts["highCoin"]++
 		}
+		if row.IsPremium {
+			counts["premium"]++
+		}
 	}
 	r.publicZoneCounts = publicZoneCountCache{
 		Counts:    counts,
@@ -319,4 +323,5 @@ type publicZoneRow struct {
 	LoginPlatform string
 	HafCoinAmount int64
 	AssetSummary  datatypes.JSON `gorm:"column:asset_summary"`
+	IsPremium     bool           `gorm:"column:is_premium"`
 }

backend/internal/modules/listing/quality_owner_entitlement_test.go

@@ -0,0 +1,64 @@
+package listing
+
+import (
+	"errors"
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/qualityowner"
+)
+
+func TestApplyPublishEntitlementsPremiumInsurance(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:              "13900009311",
+		RealnameStatus:     "verified",
+		Status:             "active",
+		QualityOwnerStatus: qualityowner.StatusActive,
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建优质号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+
+	req := CreateRequest{
+		IsPremium:        true,
+		CompensationPlan: CompensationPlanInsurance,
+	}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); err != nil {
+		t.Fatalf("应用优质号主发布权益失败: %v", err)
+	}
+	if req.InsuranceFeeBps != 400 {
+		t.Fatalf("极品专区保险费率 = %d, want 400", req.InsuranceFeeBps)
+	}
+
+	ordinary := CreateRequest{CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &ordinary); err != nil {
+		t.Fatalf("应用普通发布权益失败: %v", err)
+	}
+	if ordinary.InsuranceFeeBps != 800 {
+		t.Fatalf("普通保险费率 = %d, want 800", ordinary.InsuranceFeeBps)
+	}
+}
+
+func TestApplyPublishEntitlementsRejectsNonQualityPremiumOwner(t *testing.T) {
+	db := database.NewTestDB()
+	owner := model.User{
+		Phone:          "13900009312",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&owner).Error; err != nil {
+		t.Fatalf("创建普通号主失败: %v", err)
+	}
+	service := NewService(NewRepository(db, nil), stubConfigReader{
+		qualityowner.ConfigKey: qualityowner.DefaultConfigValue(),
+	})
+	req := CreateRequest{IsPremium: true, CompensationPlan: CompensationPlanInsurance}
+	if err := service.applyPublishEntitlements(t.Context(), owner.ID, &req); !errors.Is(err, ErrPremiumOwnerRequired) {
+		t.Fatalf("error = %v, want ErrPremiumOwnerRequired", err)
+	}
+}

backend/internal/modules/listing/query.go

@@ -225,6 +225,7 @@ func (r *Repository) baseQuery(ctx context.Context) *gorm.DB {
 	return r.db.WithContext(ctx).Table("rental_listings AS l").
 		Select(`l.*, a.title, a.description, a.game_name, a.server_region, a.login_platform, a.rank_level,
 			a.haf_coin_amount, a.asset_summary, a.screenshot_urls, COALESCE(u.phone, '') AS owner_phone, COALESCE(u.nickname, '') AS owner_nickname,
+			COALESCE(u.quality_owner_status = 'active', 0) AS owner_is_quality_owner,
 			CASE WHEN lu.id IS NULL THEN 0 ELSE 1 END AS is_external_upload,
 			COALESCE(src_site.site_code, '') AS distribution_site_code,
 			COALESCE(src_site.site_name, '') AS distribution_site_name,

backend/internal/modules/listing/repository.go

@@ -1,6 +1,7 @@
 package listing
 
 import (
+	"context"
 	"errors"
 	"sync"
 	"time"
@@ -57,6 +58,20 @@ func (r *Repository) syncPublishedShelf(tx *gorm.DB, listing *model.RentalListin
 	return r.shelfSyncer.EnsureListingShelvedTx(tx, listing.ID, listing.AccountID)
 }
 
+func (r *Repository) IsQualityOwner(ctx context.Context, userID uint64) (bool, error) {
+	if r == nil || r.db == nil {
+		return false, ErrDependencyUnavailable
+	}
+	var status string
+	err := r.db.WithContext(ctx).Model(&model.User{}).
+		Where("id = ?", userID).
+		Pluck("quality_owner_status", &status).Error
+	if err != nil {
+		return false, err
+	}
+	return status == "active", nil
+}
+
 type publicZoneCountCache struct {
 	Counts    map[string]int64
 	ExpiresAt time.Time

backend/internal/modules/listing/review.go

@@ -61,6 +61,9 @@ func (r *Repository) TransferOwner(ctx context.Context, adminID uint64, listingI
 			}
 			return err
 		}
+		if listing.IsPremium && target.QualityOwnerStatus != "active" {
+			return ErrPremiumOwnerRequired
+		}
 
 		beforeOwnerID := listing.OwnerID
 		listing.OwnerID = target.ID

backend/internal/modules/listing/service.go

@@ -33,6 +33,7 @@ var (
 	ErrExternalAdjustment       = errors.New("invalid external listing adjustment")
 	ErrSaleRatioOutOfRange      = errors.New("sale ratio out of range")
 	ErrDistributionSiteInvalid  = errors.New("invalid distribution site")
+	ErrPremiumOwnerRequired     = errors.New("premium listing requires quality owner")
 )
 
 type Service struct {
@@ -52,6 +53,8 @@ const (
 	defaultPublishCooldownMinutes = 5
 	maxExternalUploadItems        = 10
 	defaultUploadScreenshot       = "/api/listings/default-upload-screenshot?v=webp1"
+	CompensationPlanNormal        = "normal"
+	CompensationPlanInsurance     = "insurance"
 )
 
 type PublishCooldownError struct {

backend/internal/modules/listing/service_mutation.go

@@ -3,6 +3,8 @@ package listing
 import (
 	"context"
 	"strings"
+
+	"hfb_sys/backend/internal/modules/qualityowner"
 )
 
 func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest, siteCode ...string) (*ListingDTO, error) {
@@ -30,6 +32,9 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	cooldown, err := s.publishCooldown(ctx)
 	if err != nil {
 		return nil, err
@@ -63,6 +68,9 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	if err := validateRequiredOnlineTime(req); err != nil {
 		return nil, err
 	}
+	if err := s.applyPublishEntitlements(ctx, ownerID, &req); err != nil {
+		return nil, err
+	}
 	reviewRequired, err := s.reviewRequired(ctx)
 	if err != nil {
 		return nil, err
@@ -70,6 +78,45 @@ func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req Upd
 	return s.repo.Update(ctx, ownerID, id, req, reviewRequired)
 }
 
+func (s *Service) applyPublishEntitlements(ctx context.Context, ownerID uint64, req *CreateRequest) error {
+	req.CompensationPlan = strings.TrimSpace(req.CompensationPlan)
+	if req.CompensationPlan == "" {
+		req.CompensationPlan = CompensationPlanNormal
+	}
+	if req.CompensationPlan != CompensationPlanNormal && req.CompensationPlan != CompensationPlanInsurance {
+		return ErrInvalidInput
+	}
+
+	isQualityOwner, err := s.repo.IsQualityOwner(ctx, ownerID)
+	if err != nil {
+		return err
+	}
+	if req.IsPremium && !isQualityOwner {
+		return ErrPremiumOwnerRequired
+	}
+
+	req.InsuranceFeeBps = 0
+	if req.CompensationPlan != CompensationPlanInsurance {
+		return nil
+	}
+	rules := qualityowner.DefaultRules()
+	if s.config != nil {
+		value, err := s.config.FindValue(ctx, qualityowner.ConfigKey)
+		if err != nil {
+			return err
+		}
+		rules, err = qualityowner.ParseConfigValue(value)
+		if err != nil {
+			return err
+		}
+	}
+	req.InsuranceFeeBps = rules.InsuranceFeeBps
+	if req.IsPremium && isQualityOwner {
+		req.InsuranceFeeBps = rules.PremiumInsuranceFeeBps
+	}
+	return nil
+}
+
 func (s *Service) SubmitReview(ctx context.Context, ownerID uint64, id uint64) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable

backend/internal/modules/order/checkout_finalize.go

@@ -46,6 +46,7 @@ func (r *Repository) finalizeCheckout(tx *gorm.DB, order *model.RentalOrder, che
 	order.ActualPureCoinAmountCent = settlement.PureCoinAmountCent
 	order.ActualPureCoinDiscountCent = settlement.PureCoinDiscountCent
 	order.ActualExtraItemAmountCent = settlement.ExtraItemAmountCent
+	order.InsuranceFeeCent = settlement.InsuranceFeeCent
 	if err := appendCheckoutCompletedNotifications(tx, order, renterContent); err != nil {
 		return nil, err
 	}
@@ -140,6 +141,8 @@ func applyCheckoutSettlement(checkout *model.OrderCheckout, settlement checkoutS
 	checkout.RentAmountCent = settlement.ActualRentAmountCent
 	checkout.OwnerRentAmountCent = settlement.OwnerRentIncomeCent
 	checkout.PlatformFeeCent = settlement.PlatformFeeCent
+	checkout.InsuranceFeeBps = settlement.InsuranceFeeBps
+	checkout.InsuranceFeeCent = settlement.InsuranceFeeCent
 	checkout.PureCoinAmountCent = settlement.PureCoinAmountCent
 	checkout.PureCoinDiscountCent = settlement.PureCoinDiscountCent
 	checkout.PureCoinPayableCent = settlement.PureCoinPayableCent

backend/internal/modules/order/dto.go

@@ -58,6 +58,10 @@ type OrderDTO struct {
 	AccountSnapshot             datatypes.JSON    `json:"account_snapshot"`
 	AccountSource               string            `json:"account_source"`
 	SourceChannel               string            `json:"source_channel,omitempty"`
+	IsPremium                   bool              `json:"is_premium"`
+	CompensationPlan            string            `json:"compensation_plan"`
+	InsuranceFeeBps             int               `json:"insurance_fee_bps"`
+	InsuranceFeeCent            int64             `json:"insurance_fee_cent"`
 	Status                      string            `json:"status"`
 	HandoffStatus               string            `json:"handoff_status"`
 	HandoffMode                 string            `json:"handoff_mode"`
@@ -330,6 +334,8 @@ type CheckoutDTO struct {
 	RentAmountCent          *int64     `json:"rent_amount_cent,omitempty"`
 	OwnerRentAmountCent     *int64     `json:"owner_rent_amount_cent,omitempty"`
 	PlatformFeeCent         *int64     `json:"platform_fee_cent,omitempty"`
+	InsuranceFeeBps         int        `json:"insurance_fee_bps"`
+	InsuranceFeeCent        int64      `json:"insurance_fee_cent"`
 	DepositAmountCent       int64      `json:"deposit_amount_cent"`
 	PureCoinAmountCent      int64      `json:"pure_coin_amount_cent"`
 	PureCoinDiscountCent    int64      `json:"pure_coin_discount_cent"`

backend/internal/modules/order/lifecycle.go

@@ -151,6 +151,9 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 			AccountSnapshot:             snapshot,
 			AccountSource:               accountSource,
 			SourceChannel:               sourceChannel,
+			IsPremium:                   listing.IsPremium,
+			CompensationPlan:            normalizedCompensationPlan(listing.CompensationPlan),
+			InsuranceFeeBps:             listing.InsuranceFeeBps,
 			Status:                      orderStatusPendingPayment,
 			HandoffStatus:               handoffStatusNone,
 			HandoffMode:                 listingHandoffMode(listing),
@@ -194,6 +197,13 @@ func (r *Repository) Create(ctx context.Context, renterID uint64, req CreateRequ
 	return r.FindForUser(ctx, renterID, createdID, req.DistributionSiteCode)
 }
 
+func normalizedCompensationPlan(plan string) string {
+	if plan == "insurance" {
+		return "insurance"
+	}
+	return "normal"
+}
+
 func loadShelfRatioTx(tx *gorm.DB, siteCode string, listingID uint64) (float64, uint64, error) {
 	siteCode = strings.TrimSpace(siteCode)
 	if siteCode == "" || listingID == 0 {

backend/internal/modules/order/presenter.go

@@ -115,6 +115,10 @@ func (row orderRow) toAdminDTO() OrderDTO {
 		AccountSnapshot:             row.AccountSnapshot,
 		AccountSource:               effectiveAccountSource(row.RentalOrder),
 		SourceChannel:               row.SourceChannel,
+		IsPremium:                   row.IsPremium,
+		CompensationPlan:            normalizedCompensationPlan(row.CompensationPlan),
+		InsuranceFeeBps:             row.InsuranceFeeBps,
+		InsuranceFeeCent:            row.InsuranceFeeCent,
 		Status:                      row.Status,
 		HandoffStatus:               row.HandoffStatus,
 		HandoffMode:                 effectiveHandoffMode(row.RentalOrder),
@@ -312,6 +316,8 @@ func toCheckoutAdminDTO(checkout model.OrderCheckout) CheckoutDTO {
 		RentAmountCent:          &rentAmountCent,
 		OwnerRentAmountCent:     &ownerRentAmountCent,
 		PlatformFeeCent:         &platformFeeCent,
+		InsuranceFeeBps:         checkout.InsuranceFeeBps,
+		InsuranceFeeCent:        checkout.InsuranceFeeCent,
 		DepositAmountCent:       checkout.DepositAmountCent,
 		PureCoinAmountCent:      checkout.PureCoinAmountCent,
 		PureCoinDiscountCent:    checkout.PureCoinDiscountCent,

backend/internal/modules/order/pricing.go

@@ -32,6 +32,8 @@ type checkoutSettlement struct {
 	DepositRefundCent       int64
 	RenterRefundCent        int64
 	PlatformFeeCent         int64
+	InsuranceFeeBps         int
+	InsuranceFeeCent        int64
 	ActualRentAmountCent    int64
 	PureCoinAmountCent      int64
 	PureCoinDiscountCent    int64
@@ -59,6 +61,8 @@ type ActualCheckoutSettlement struct {
 	DepositRefundCent       int64
 	RenterRefundCent        int64
 	PlatformFeeCent         int64
+	InsuranceFeeBps         int
+	InsuranceFeeCent        int64
 	ActualRentAmountCent    int64
 	PureCoinAmountCent      int64
 	PureCoinDiscountCent    int64
@@ -94,6 +98,8 @@ func toActualCheckoutSettlement(settlement checkoutSettlement) ActualCheckoutSet
 		DepositRefundCent:       settlement.DepositRefundCent,
 		RenterRefundCent:        settlement.RenterRefundCent,
 		PlatformFeeCent:         settlement.PlatformFeeCent,
+		InsuranceFeeBps:         settlement.InsuranceFeeBps,
+		InsuranceFeeCent:        settlement.InsuranceFeeCent,
 		ActualRentAmountCent:    settlement.ActualRentAmountCent,
 		PureCoinAmountCent:      settlement.PureCoinAmountCent,
 		PureCoinDiscountCent:    settlement.PureCoinDiscountCent,
@@ -273,6 +279,8 @@ func buildCheckout(order model.RentalOrder, initiatedBy uint64, status string, c
 		RentAmountCent:       settlement.ActualRentAmountCent,
 		OwnerRentAmountCent:  settlement.OwnerRentIncomeCent,
 		PlatformFeeCent:      settlement.PlatformFeeCent,
+		InsuranceFeeBps:      settlement.InsuranceFeeBps,
+		InsuranceFeeCent:     settlement.InsuranceFeeCent,
 		DepositAmountCent:    order.DepositAmountCent,
 		PureCoinAmountCent:   settlement.PureCoinAmountCent,
 		PureCoinDiscountCent: settlement.PureCoinDiscountCent,
@@ -398,6 +406,8 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 	// 可完结时租客实际承担的租金向金额；有 shortfall 时仍展示完整应付便于协商
 	actualRentAmountCent := actualBuyerRentCent
 	ownerRentIncomeCent := actualOwnerRentCent
+	insuranceFeeCent := calculateInsuranceFeeCent(ownerRentIncomeCent, order.InsuranceFeeBps)
+	ownerRentIncomeCent = maxCent(ownerRentIncomeCent-insuranceFeeCent, 0)
 	platformFeeCent := maxCent(actualRentAmountCent-ownerRentIncomeCent, 0)
 	depositCompensationCent := damageAppliedCent
 
@@ -409,6 +419,8 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 		DepositRefundCent:       depositRefundCent,
 		RenterRefundCent:        rentRefundCent + depositRefundCent,
 		PlatformFeeCent:         platformFeeCent,
+		InsuranceFeeBps:         order.InsuranceFeeBps,
+		InsuranceFeeCent:        insuranceFeeCent,
 		ActualRentAmountCent:    actualRentAmountCent,
 		PureCoinAmountCent:      usedBuyerCoinPriceCent,
 		PureCoinDiscountCent:    pureCoinDiscountCent,
@@ -420,6 +432,14 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
 	}
 }
 
+func calculateInsuranceFeeCent(ownerRentIncomeCent int64, feeBps int) int64 {
+	if ownerRentIncomeCent <= 0 || feeBps <= 0 {
+		return 0
+	}
+	feeCent := (ownerRentIncomeCent*int64(feeBps) + 5_000) / 10_000
+	return minCent(feeCent, ownerRentIncomeCent)
+}
+
 func orderPureCoinOriginalAmountCent(order model.RentalOrder) int64 {
 	originalRentCent := effectiveRentOriginalAmountCent(order)
 	if order.PureCoinOriginalAmountCent > 0 {

backend/internal/modules/order/pricing_insurance_test.go

@@ -0,0 +1,61 @@
+package order
+
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/model"
+
+	"gorm.io/datatypes"
+)
+
+func TestCalculateInsuranceFeeCent(t *testing.T) {
+	tests := []struct {
+		name      string
+		ownerCent int64
+		bps       int
+		want      int64
+	}{
+		{name: "普通赔付不收费", ownerCent: 10000, bps: 0, want: 0},
+		{name: "普通保险百分之八", ownerCent: 10000, bps: 800, want: 800},
+		{name: "极品保险百分之四", ownerCent: 10000, bps: 400, want: 400},
+		{name: "四舍五入到分", ownerCent: 12345, bps: 800, want: 988},
+		{name: "服务费不超过到手租金", ownerCent: 100, bps: 10000, want: 100},
+	}
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			if got := calculateInsuranceFeeCent(tt.ownerCent, tt.bps); got != tt.want {
+				t.Fatalf("calculateInsuranceFeeCent() = %d, want %d", got, tt.want)
+			}
+		})
+	}
+}
+
+func TestCalculateCheckoutSettlementDeductsPremiumInsuranceFee(t *testing.T) {
+	order := model.RentalOrder{
+		RentAmountCent:      38300,
+		OwnerRentAmountCent: 35300,
+		DepositAmountCent:   15000,
+		InsuranceFeeBps:     400,
+		AccountSnapshot: datatypes.JSON([]byte(`{
+			"haf_coin_amount": 100000000,
+			"asset_summary": {
+				"price_breakdown": {
+					"buyer_coin_base_price": 263,
+					"seller_coin_base_price": 233,
+					"consumable_price": 120
+				}
+			}
+		}`)),
+	}
+
+	settlement := calculateCheckoutSettlement(order, 12000, 100, 0)
+	if settlement.InsuranceFeeBps != 400 || settlement.InsuranceFeeCent != 1412 {
+		t.Fatalf("保险费用快照不正确: bps=%d fee=%d", settlement.InsuranceFeeBps, settlement.InsuranceFeeCent)
+	}
+	if settlement.OwnerRentIncomeCent != 33888 {
+		t.Fatalf("号主净租金 = %d, want 33888", settlement.OwnerRentIncomeCent)
+	}
+	if settlement.PlatformFeeCent != 4412 {
+		t.Fatalf("平台收入 = %d, want 4412", settlement.PlatformFeeCent)
+	}
+}

backend/internal/modules/payment/channel_status.go

@@ -48,30 +48,45 @@ func (r *Repository) confirmPaid(ctx context.Context, payment *model.PaymentOrde
 	var newConvID uint64
 	var notifyFn func(uint64)
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
-		if payment.OrderID != 0 {
+		switch payment.BizType {
-			switch payment.BizType {
+		case qualityOwnerPayBizType:
-			case "mohong_pay":
+			if r.qualityOwnerRepo == nil {
-				if r.mohongRepo == nil {
+				return ErrDependencyUnavailable
-					return ErrDependencyUnavailable
+			}
-				}
+			if err := r.qualityOwnerRepo.ConfirmQualityOwnerDepositPaidTx(
-				convID, err := r.mohongRepo.ConfirmPaidFromChannelTx(tx, payment.OrderID)
+				tx,
-				if err != nil {
+				payment.UserID,
-					return err
+				payment.AmountCent,
-				}
+				payment.PaymentNo,
-				newConvID = convID
+			); err != nil {
-				notifyFn = r.mohongRepo.NotifyNewConversation
+				return err
-			default:
+			}
-				if r.orderRepo == nil {
+		default:
-					return ErrDependencyUnavailable
+			if payment.OrderID != 0 {
-				}
+				switch payment.BizType {
-				convID, err := r.orderRepo.ConfirmPaidFromChannelTx(tx, payment.OrderID)
+				case "mohong_pay":
-				if err != nil {
+					if r.mohongRepo == nil {
-					return err
+						return ErrDependencyUnavailable
-				}
+					}
-				newConvID = convID
+					convID, err := r.mohongRepo.ConfirmPaidFromChannelTx(tx, payment.OrderID)
-				notifyFn = r.orderRepo.NotifyNewConversation
+					if err != nil {
-				if err := distribution.SnapshotPaidOrderTx(tx, payment.OrderID, payment.AmountCent); err != nil {
+						return err
-					return err
+					}
+					newConvID = convID
+					notifyFn = r.mohongRepo.NotifyNewConversation
+				default:
+					if r.orderRepo == nil {
+						return ErrDependencyUnavailable
+					}
+					convID, err := r.orderRepo.ConfirmPaidFromChannelTx(tx, payment.OrderID)
+					if err != nil {
+						return err
+					}
+					newConvID = convID
+					notifyFn = r.orderRepo.NotifyNewConversation
+					if err := distribution.SnapshotPaidOrderTx(tx, payment.OrderID, payment.AmountCent); err != nil {
+						return err
+					}
 				}
 			}
 		}

backend/internal/modules/payment/dto.go

@@ -21,6 +21,7 @@ type PaymentDTO struct {
 	PaymentNo       string     `json:"payment_no"`
 	OrderID         uint64     `json:"order_id"`
 	OrderNo         string     `json:"order_no"`
+	BizID           uint64     `json:"biz_id"`
 	PaymentConfigID uint64     `json:"payment_config_id"`
 	Provider        string     `json:"provider"`
 	ThirdOrderID    string     `json:"third_order_id"`
@@ -28,6 +29,7 @@ type PaymentDTO struct {
 	PayWay          string     `json:"pay_way"`
 	JSPayFlag       string     `json:"jspay_flag"`
 	AmountCent      int64      `json:"amount_cent"`
+	BizType         string     `json:"biz_type"`
 	Status          string     `json:"status"`
 	TDCode          string     `json:"td_code,omitempty"`
 	JSPayURL        string     `json:"jspay_url,omitempty"`
@@ -80,6 +82,7 @@ type AdminPaymentDTO struct {
 	PaymentNo       string         `json:"payment_no"`
 	OrderID         uint64         `json:"order_id"`
 	OrderNo         string         `json:"order_no"`
+	BizID           uint64         `json:"biz_id"`
 	UserID          uint64         `json:"user_id"`
 	PaymentConfigID uint64         `json:"payment_config_id"`
 	UserPhone       string         `json:"user_phone"`

backend/internal/modules/payment/handler.go

@@ -111,6 +111,22 @@ func (h *Handler) StartMohong(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) StartQualityOwner(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	var req StartPaymentRequest
+	_ = c.ShouldBindJSON(&req)
+	item, err := h.service.StartQualityOwner(c.Request.Context(), userID, req, c.ClientIP())
+	if err != nil {
+		writePaymentError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) Query(c *gin.Context) {
 	userID, ok := currentUserID(c)
 	if !ok {
@@ -147,6 +163,20 @@ func (h *Handler) QueryMohong(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) QueryQualityOwner(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	item, err := h.service.QueryQualityOwner(c.Request.Context(), userID)
+	if err != nil {
+		writePaymentError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func (h *Handler) AdminRefundMohong(c *gin.Context) {
 	orderID, ok := parseID(c)
 	if !ok {

backend/internal/modules/payment/payment_start.go

@@ -20,6 +20,11 @@ func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, r
 	if err != nil {
 		return nil, err
 	}
+	return r.startPreparedPayment(ctx, payment, "租号订单 "+orderRow.OrderNo, orderRow.OrderNo, clientIP)
+}
+
+// startPreparedPayment 对已经创建或复用的支付单执行渠道下单、收银台复用或模拟支付。
+func (r *Repository) startPreparedPayment(ctx context.Context, payment *model.PaymentOrder, body string, attach string, clientIP string) (*PaymentDTO, error) {
 	runtimeConfig, err := r.runtimeConfigForPayment(ctx, payment)
 	if err != nil {
 		return nil, ErrPaymentUnavailable
@@ -64,8 +69,8 @@ func (r *Repository) Start(ctx context.Context, userID uint64, orderID uint64, r
 		NotifyURL:    runtimeConfig.NotifyURL,
 		JumpURL:      runtimeConfig.JumpURL,
 		ClientIP:     clientIP,
-		Body:         "租号订单 " + orderRow.OrderNo,
+		Body:         body,
-		Attach:       orderRow.OrderNo,
+		Attach:       attach,
 	})
 	if err != nil {
 		_ = r.markPaymentFailed(ctx, payment.ID, nil, err.Error())

backend/internal/modules/payment/presenter.go

@@ -19,6 +19,7 @@ func toDTO(payment model.PaymentOrder) PaymentDTO {
 		PaymentNo:       payment.PaymentNo,
 		OrderID:         payment.OrderID,
 		OrderNo:         payment.OrderNo,
+		BizID:           payment.BizID,
 		PaymentConfigID: payment.PaymentConfigID,
 		Provider:        payment.Provider,
 		ThirdOrderID:    payment.ThirdOrderID,
@@ -26,6 +27,7 @@ func toDTO(payment model.PaymentOrder) PaymentDTO {
 		PayWay:          payment.PayWay,
 		JSPayFlag:       payment.JSPayFlag,
 		AmountCent:      payment.AmountCent,
+		BizType:         payment.BizType,
 		Status:          payment.Status,
 		TDCode:          payment.TDCode,
 		JSPayURL:        payment.JSPayURL,

backend/internal/modules/payment/quality_owner_payment.go

@@ -0,0 +1,158 @@
+package payment
+
+import (
+	"context"
+	"fmt"
+
+	"hfb_sys/backend/internal/model"
+
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+const qualityOwnerPayBizType = "quality_owner_pay"
+
+// StartQualityOwner 创建优质号主保证金在线支付单，支付成功后自动开通资格并冻结保证金。
+func (r *Repository) StartQualityOwner(ctx context.Context, userID uint64, req StartPaymentRequest, clientIP string) (*PaymentDTO, error) {
+	if r.qualityOwnerRepo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	req.PayWay = normalizePayWay(req.PayWay)
+	payment, err := r.prepareQualityOwnerPayment(ctx, userID, req)
+	if err != nil {
+		return nil, err
+	}
+	return r.startPreparedPayment(ctx, payment, "优质号主保证金", payment.OrderNo, clientIP)
+}
+
+func (r *Repository) prepareQualityOwnerPayment(ctx context.Context, userID uint64, req StartPaymentRequest) (*model.PaymentOrder, error) {
+	amountCent, active, err := r.qualityOwnerRepo.PaymentAmount(ctx, userID)
+	if err != nil {
+		return nil, err
+	}
+	if active || amountCent <= 0 {
+		return nil, ErrPaymentCannotStart
+	}
+	runtimeConfig, err := r.defaultRuntimeConfig(ctx, req.PayWay)
+	if err != nil {
+		return nil, err
+	}
+
+	var paymentID uint64
+	err = r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
+			Select("id").
+			First(&user, userID).Error; err != nil {
+			return err
+		}
+		var existing model.PaymentOrder
+		err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).
+			Where("user_id = ? AND biz_type = ? AND biz_id = ?", userID, qualityOwnerPayBizType, userID).
+			Order("id DESC").
+			First(&existing).Error
+		if err == nil {
+			if canReuseOrderPayment(existing, *runtimeConfig) {
+				existing.PayWay = firstNonEmpty(req.PayWay, existing.PayWay, runtimeConfig.PayWay, "ZFBZF")
+				existing.JSPayFlag = firstNonEmpty(req.JSPayFlag, existing.JSPayFlag, runtimeConfig.JSPayFlag, "2")
+				existing.AmountCent = amountCent
+				existing.PaymentConfigID = firstNonZero(existing.PaymentConfigID, runtimeConfig.ID)
+				existing.Provider = firstNonEmpty(existing.Provider, runtimeConfig.Provider)
+				existing.MerchantID = firstNonEmpty(existing.MerchantID, runtimeConfig.MerchantID)
+				if existing.Provider == "mock" && existing.ProviderOrderID == "" {
+					existing.ProviderOrderID = "MOCK" + existing.ThirdOrderID
+				}
+				if err := tx.Save(&existing).Error; err != nil {
+					return err
+				}
+				paymentID = existing.ID
+				return nil
+			}
+		} else if err != gorm.ErrRecordNotFound {
+			return err
+		}
+		payment, err := newQualityOwnerPayment(userID, amountCent, req, *runtimeConfig)
+		if err != nil {
+			return err
+		}
+		if err := tx.Create(&payment).Error; err != nil {
+			return err
+		}
+		paymentID = payment.ID
+		return nil
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.findPaymentByID(ctx, paymentID)
+}
+
+func newQualityOwnerPayment(userID uint64, amountCent int64, req StartPaymentRequest, runtimeConfig runtimePaymentConfig) (model.PaymentOrder, error) {
+	paymentNo, err := newPaymentNo()
+	if err != nil {
+		return model.PaymentOrder{}, err
+	}
+	orderNo := fmt.Sprintf("QO%d", userID)
+	payment := model.PaymentOrder{
+		PaymentNo:       paymentNo,
+		OrderID:         0,
+		OrderNo:         orderNo,
+		BizID:           userID,
+		UserID:          userID,
+		PaymentConfigID: runtimeConfig.ID,
+		Provider:        runtimeConfig.Provider,
+		MerchantID:      runtimeConfig.MerchantID,
+		ThirdOrderID:    paymentNo,
+		PayWay:          firstNonEmpty(req.PayWay, runtimeConfig.PayWay, "ZFBZF"),
+		JSPayFlag:       firstNonEmpty(req.JSPayFlag, runtimeConfig.JSPayFlag, "2"),
+		AmountCent:      amountCent,
+		BizType:         qualityOwnerPayBizType,
+		Status:          "created",
+	}
+	if runtimeConfig.isMockMode() {
+		payment.ProviderOrderID = "MOCK" + paymentNo
+		payment.TDCode = "mock://payment/pay/" + paymentNo
+	}
+	return payment, nil
+}
+
+func (r *Repository) QueryQualityOwner(ctx context.Context, userID uint64) (*PaymentDTO, error) {
+	var payment model.PaymentOrder
+	if err := r.db.WithContext(ctx).
+		Where("user_id = ? AND biz_type = ? AND biz_id = ?", userID, qualityOwnerPayBizType, userID).
+		Order("id DESC").
+		First(&payment).Error; err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, ErrPaymentNotFound
+		}
+		return nil, err
+	}
+	if isOrderPaymentTerminalStatus(payment.Status) {
+		dto := toDTO(payment)
+		return &dto, nil
+	}
+	runtimeConfig, err := r.runtimeConfigForPayment(ctx, &payment)
+	if err != nil {
+		return nil, ErrPaymentUnavailable
+	}
+	if runtimeConfig.isMockMode() {
+		dto := toDTO(payment)
+		return &dto, nil
+	}
+	if runtimeConfig.Channel == nil {
+		return nil, ErrPaymentUnavailable
+	}
+	resp, err := runtimeConfig.Channel.QueryPayment(ctx, payment.ThirdOrderID, payment.ProviderOrderID)
+	if err != nil {
+		return nil, err
+	}
+	if err := r.applyChannelStatus(ctx, &payment, resp.Status, resp.PayTime, resp.Raw, channelSourceQuery); err != nil {
+		return nil, err
+	}
+	latest, err := r.findPaymentByID(ctx, payment.ID)
+	if err != nil {
+		return nil, err
+	}
+	dto := toDTO(*latest)
+	return &dto, nil
+}

backend/internal/modules/payment/quality_owner_payment_test.go

@@ -0,0 +1,97 @@
+package payment
+
+import (
+	"testing"
+	"time"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/qualityowner"
+)
+
+func TestConfirmQualityOwnerPaymentFreezesDepositAndIsIdempotent(t *testing.T) {
+	db := database.NewTestDB()
+	user := model.User{
+		Phone:          "13900009401",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+	if err := db.Create(&model.WalletAccount{
+		UserID:               user.ID,
+		AvailableBalanceCent: 0,
+		Status:               "active",
+	}).Error; err != nil {
+		t.Fatalf("创建钱包失败: %v", err)
+	}
+	payment := model.PaymentOrder{
+		PaymentNo:    "PAYQUALITYOWNER01",
+		OrderID:      0,
+		OrderNo:      "QOQUALITY",
+		BizID:        user.ID,
+		UserID:       user.ID,
+		Provider:     "mock",
+		ThirdOrderID: "PAYQUALITYOWNER01",
+		AmountCent:   20_000,
+		BizType:      qualityOwnerPayBizType,
+		Status:       "paying",
+	}
+	if err := db.Create(&payment).Error; err != nil {
+		t.Fatalf("创建支付单失败: %v", err)
+	}
+	repo := NewRepository(db, nil, nil, WithQualityOwnerRepo(qualityowner.NewRepository(db)))
+	raw := map[string]string{"status": "2", "third_order_id": payment.ThirdOrderID}
+	if err := repo.confirmPaid(t.Context(), &payment, "2", time.Now(), raw, channelSourceMock); err != nil {
+		t.Fatalf("确认保证金支付失败: %v", err)
+	}
+	if err := repo.confirmPaid(t.Context(), &payment, "2", time.Now(), raw, channelSourceMock); err != nil {
+		t.Fatalf("重复确认保证金支付失败: %v", err)
+	}
+
+	var gotUser model.User
+	if err := db.First(&gotUser, user.ID).Error; err != nil {
+		t.Fatalf("读取用户失败: %v", err)
+	}
+	if gotUser.QualityOwnerStatus != qualityowner.StatusActive || gotUser.QualityOwnerDepositCent != 20_000 {
+		t.Fatalf("用户未开通优质号主: %+v", gotUser)
+	}
+	var account model.WalletAccount
+	if err := db.Where("user_id = ? AND distribution_site_id = 0", user.ID).First(&account).Error; err != nil {
+		t.Fatalf("读取钱包失败: %v", err)
+	}
+	if account.AvailableBalanceCent != 0 || account.FrozenBalanceCent != 20_000 {
+		t.Fatalf("保证金钱包余额不正确: %+v", account)
+	}
+	var ledgerCount int64
+	if err := db.Model(&model.WalletLedger{}).
+		Where("user_id = ? AND biz_type = ?", user.ID, "quality_owner_deposit").
+		Count(&ledgerCount).Error; err != nil {
+		t.Fatalf("统计保证金流水失败: %v", err)
+	}
+	if ledgerCount != 1 {
+		t.Fatalf("保证金流水条数 = %d, want 1", ledgerCount)
+	}
+}
+
+func TestNewQualityOwnerPaymentUsesBizIDAndMockCashier(t *testing.T) {
+	payment, err := newQualityOwnerPayment(88, 20_000, StartPaymentRequest{PayWay: "WXZF"}, runtimePaymentConfig{
+		Provider:   "mock",
+		MerchantID: "mock-merchant",
+		PayWay:     "WXZF",
+		JSPayFlag:  "2",
+	})
+	if err != nil {
+		t.Fatalf("newQualityOwnerPayment() error = %v", err)
+	}
+	if payment.BizType != qualityOwnerPayBizType || payment.BizID != 88 || payment.UserID != 88 {
+		t.Fatalf("保证金支付单业务字段不正确: %+v", payment)
+	}
+	if payment.OrderID != 0 || payment.AmountCent != 20_000 {
+		t.Fatalf("保证金支付单订单/金额不正确: %+v", payment)
+	}
+	if payment.TDCode == "" || payment.ProviderOrderID == "" {
+		t.Fatalf("mock 支付单未生成收银台: %+v", payment)
+	}
+}

backend/internal/modules/payment/query.go

@@ -107,6 +107,7 @@ func (row adminPaymentRow) toDTO() AdminPaymentDTO {
 		PaymentNo:       row.PaymentNo,
 		OrderID:         row.OrderID,
 		OrderNo:         row.OrderNo,
+		BizID:           row.BizID,
 		UserID:          row.UserID,
 		PaymentConfigID: row.PaymentConfigID,
 		UserPhone:       row.UserPhone,

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
+	db               *gorm.DB
-	configRepo *paymentconfig.Repository
+	configRepo       *paymentconfig.Repository
-	orderRepo  *order.Repository
+	orderRepo        *order.Repository
-	mohongRepo MohongOrderConfirmer
+	mohongRepo       MohongOrderConfirmer
-	logger     *zap.Logger
+	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()

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

backend/internal/modules/qualityowner/dto.go

@@ -0,0 +1,85 @@
+package qualityowner
+
+import (
+	"encoding/json"
+	"errors"
+	"time"
+)
+
+const (
+	ConfigKey             = "quality_owner.rules"
+	StatusNone            = "none"
+	StatusActive          = "active"
+	DepositSourcePaid     = "paid"
+	DepositSourceManual   = "manual"
+	defaultDepositCent    = int64(20_000)
+	defaultInsuranceBps   = 800
+	defaultPremiumRateBps = 400
+)
+
+var ErrInvalidRules = errors.New("invalid quality owner rules")
+
+type Rules struct {
+	DepositAmountCent      int64 `json:"deposit_amount_cent"`
+	InsuranceFeeBps        int   `json:"insurance_fee_bps"`
+	PremiumInsuranceFeeBps int   `json:"premium_insurance_fee_bps"`
+}
+
+func DefaultRules() Rules {
+	return Rules{
+		DepositAmountCent:      defaultDepositCent,
+		InsuranceFeeBps:        defaultInsuranceBps,
+		PremiumInsuranceFeeBps: defaultPremiumRateBps,
+	}
+}
+
+func DefaultConfigValue() string {
+	raw, _ := json.Marshal(DefaultRules())
+	return string(raw)
+}
+
+func ParseConfigValue(value string) (Rules, error) {
+	rules := DefaultRules()
+	if value == "" {
+		return rules, nil
+	}
+	if err := json.Unmarshal([]byte(value), &rules); err != nil {
+		return Rules{}, ErrInvalidRules
+	}
+	if rules.DepositAmountCent <= 0 || rules.DepositAmountCent > 10_000_000 {
+		return Rules{}, ErrInvalidRules
+	}
+	if rules.InsuranceFeeBps < 0 || rules.InsuranceFeeBps > 10_000 {
+		return Rules{}, ErrInvalidRules
+	}
+	if rules.PremiumInsuranceFeeBps < 0 || rules.PremiumInsuranceFeeBps > rules.InsuranceFeeBps {
+		return Rules{}, ErrInvalidRules
+	}
+	return rules, nil
+}
+
+func MarshalConfig(rules Rules) (string, error) {
+	raw, err := json.Marshal(rules)
+	if err != nil {
+		return "", err
+	}
+	return string(raw), nil
+}
+
+type StatusDTO struct {
+	UserID                 uint64     `json:"user_id"`
+	Active                 bool       `json:"active"`
+	Status                 string     `json:"status"`
+	DepositAmountCent      int64      `json:"deposit_amount_cent"`
+	DepositSource          string     `json:"deposit_source"`
+	ActivatedAt            *time.Time `json:"activated_at"`
+	AvailableBalanceCent   int64      `json:"available_balance_cent"`
+	RequiredDepositCent    int64      `json:"required_deposit_cent"`
+	InsuranceFeeBps        int        `json:"insurance_fee_bps"`
+	PremiumInsuranceFeeBps int        `json:"premium_insurance_fee_bps"`
+}
+
+type AdminSetRequest struct {
+	Enabled bool   `json:"enabled"`
+	Reason  string `json:"reason" binding:"required"`
+}

backend/internal/modules/qualityowner/dto_test.go

@@ -0,0 +1,30 @@
+package qualityowner
+
+import "testing"
+
+func TestParseConfigValueDefaultsAndValidation(t *testing.T) {
+	rules, err := ParseConfigValue(`{"insurance_fee_bps":800,"premium_insurance_fee_bps":400}`)
+	if err != nil {
+		t.Fatalf("ParseConfigValue() error = %v", err)
+	}
+	if rules.DepositAmountCent != defaultDepositCent || rules.InsuranceFeeBps != 800 || rules.PremiumInsuranceFeeBps != 400 {
+		t.Fatalf("unexpected rules: %+v", rules)
+	}
+
+	if _, err := ParseConfigValue(`{"deposit_amount_cent":20000,"insurance_fee_bps":400,"premium_insurance_fee_bps":800}`); err == nil {
+		t.Fatal("expected premium rate above normal rate to be rejected")
+	}
+	if _, err := ParseConfigValue(`{"deposit_amount_cent":0}`); err == nil {
+		t.Fatal("expected zero deposit to be rejected")
+	}
+}
+
+func TestDefaultConfigValueCanBeParsed(t *testing.T) {
+	rules, err := ParseConfigValue(DefaultConfigValue())
+	if err != nil {
+		t.Fatalf("ParseConfigValue(DefaultConfigValue()) error = %v", err)
+	}
+	if rules.DepositAmountCent != 20000 || rules.InsuranceFeeBps != 800 || rules.PremiumInsuranceFeeBps != 400 {
+		t.Fatalf("unexpected default rules: %+v", rules)
+	}
+}

backend/internal/modules/qualityowner/handler.go

@@ -0,0 +1,119 @@
+package qualityowner
+
+import (
+	"errors"
+	"net/http"
+	"strconv"
+
+	"hfb_sys/backend/internal/middleware"
+	"hfb_sys/backend/pkg/response"
+
+	"github.com/gin-gonic/gin"
+	"gorm.io/gorm"
+)
+
+type Handler struct {
+	service *Service
+}
+
+func NewHandler(service *Service) *Handler {
+	return &Handler{service: service}
+}
+
+func (h *Handler) Status(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	item, err := h.service.Status(c.Request.Context(), userID)
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
+func (h *Handler) Activate(c *gin.Context) {
+	userID, ok := currentUserID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少用户上下文")
+		return
+	}
+	item, err := h.service.Activate(c.Request.Context(), userID)
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
+func (h *Handler) AdminSet(c *gin.Context) {
+	adminID, ok := currentAdminID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少管理员上下文")
+		return
+	}
+	userID, err := strconv.ParseUint(c.Param("id"), 10, 64)
+	if err != nil || userID == 0 {
+		response.BadRequest(c, "用户 ID 不正确")
+		return
+	}
+	var req AdminSetRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "请填写操作原因")
+		return
+	}
+	item, err := h.service.AdminSet(c.Request.Context(), adminID, userID, req, AuditMeta{
+		IP:        c.ClientIP(),
+		UserAgent: c.GetHeader("User-Agent"),
+		RequestID: middleware.GetRequestID(c),
+	})
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
+func currentUserID(c *gin.Context) (uint64, bool) {
+	value, ok := c.Get(middleware.ContextUserID)
+	if !ok {
+		return 0, false
+	}
+	id, ok := value.(uint64)
+	return id, ok
+}
+
+func currentAdminID(c *gin.Context) (uint64, bool) {
+	value, ok := c.Get(middleware.ContextAdminID)
+	if !ok {
+		return 0, false
+	}
+	id, ok := value.(uint64)
+	return id, ok
+}
+
+func writeError(c *gin.Context, err error) {
+	response.RecordError(c, err)
+	switch {
+	case errors.Is(err, ErrDependencyUnavailable):
+		response.ServiceUnavailable(c, "数据库未连接")
+	case errors.Is(err, ErrInvalidUser):
+		response.BadRequest(c, "用户不符合开通条件，请先完成实名认证")
+	case errors.Is(err, ErrDepositInsufficient):
+		response.Error(c, http.StatusConflict, "insufficient_balance", "余额不足，请先确保可用余额足够缴纳保证金")
+	case errors.Is(err, ErrAlreadyActive):
+		response.Error(c, http.StatusConflict, "quality_owner_active", "当前已经是优质号主")
+	case errors.Is(err, ErrPaymentPending):
+		response.Error(c, http.StatusConflict, "quality_owner_payment_pending", "已有待完成的保证金支付，请先完成支付或稍后重试")
+	case errors.Is(err, ErrInactive):
+		response.Error(c, http.StatusConflict, "quality_owner_inactive", "当前不是优质号主")
+	case errors.Is(err, ErrInvalidReason):
+		response.BadRequest(c, "请填写 2-200 字的操作原因")
+	case errors.Is(err, gorm.ErrRecordNotFound):
+		response.Error(c, http.StatusNotFound, "not_found", "用户不存在")
+	default:
+		response.Error(c, http.StatusInternalServerError, "internal_error", "优质号主服务暂时不可用")
+	}
+}

backend/internal/modules/qualityowner/repository.go

@@ -0,0 +1,378 @@
+package qualityowner
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"strings"
+	"time"
+
+	"hfb_sys/backend/internal/auditlog"
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/wallet"
+
+	"gorm.io/gorm"
+	"gorm.io/gorm/clause"
+)
+
+var (
+	ErrDependencyUnavailable = errors.New("dependency unavailable")
+	ErrInvalidUser           = errors.New("invalid user")
+	ErrAlreadyActive         = errors.New("quality owner already active")
+	ErrInactive              = errors.New("quality owner inactive")
+	ErrDepositInsufficient   = errors.New("quality owner deposit insufficient")
+	ErrInvalidReason         = errors.New("invalid reason")
+	ErrPaymentPending        = errors.New("quality owner payment pending")
+)
+
+type AuditMeta = auditlog.Meta
+
+type Repository struct {
+	db *gorm.DB
+}
+
+func NewRepository(db *gorm.DB) *Repository {
+	return &Repository{db: db}
+}
+
+func (r *Repository) Rules(ctx context.Context) (Rules, error) {
+	if r == nil || r.db == nil {
+		return Rules{}, ErrDependencyUnavailable
+	}
+	var row model.SystemConfig
+	err := r.db.WithContext(ctx).Where("`key` = ?", ConfigKey).First(&row).Error
+	if errors.Is(err, gorm.ErrRecordNotFound) {
+		return DefaultRules(), nil
+	}
+	if err != nil {
+		return Rules{}, err
+	}
+	return ParseConfigValue(row.Value)
+}
+
+func (r *Repository) Status(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).First(&user, userID).Error; err != nil {
+		return nil, err
+	}
+	var account model.WalletAccount
+	walletErr := r.db.WithContext(ctx).
+		Where("user_id = ? AND distribution_site_id = 0", userID).
+		First(&account).Error
+	if walletErr != nil && !errors.Is(walletErr, gorm.ErrRecordNotFound) {
+		return nil, walletErr
+	}
+	return toStatusDTO(user, account, rules), nil
+}
+
+// PaymentAmount 返回当前用户在线支付开通优质号主所需的保证金金额。
+// active=true 表示用户已经是优质号主，无需再创建支付单。
+func (r *Repository) PaymentAmount(ctx context.Context, userID uint64) (int64, bool, error) {
+	if r == nil || r.db == nil {
+		return 0, false, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return 0, false, ErrInvalidUser
+	}
+	var user model.User
+	if err := r.db.WithContext(ctx).First(&user, userID).Error; err != nil {
+		return 0, false, err
+	}
+	if user.QualityOwnerStatus == StatusActive {
+		return 0, true, nil
+	}
+	if user.Status != "active" || user.RealnameStatus != "verified" {
+		return 0, false, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return 0, false, err
+	}
+	return rules.DepositAmountCent, false, nil
+}
+
+// ConfirmQualityOwnerDepositPaidTx 在支付回调事务内完成在线保证金入账并开通资格。
+// 外部支付已经由渠道完成，因此这里只增加冻结余额，不再扣减可用余额。
+func (r *Repository) ConfirmQualityOwnerDepositPaidTx(tx *gorm.DB, userID uint64, amountCent int64, paymentNo string) error {
+	if tx == nil || userID == 0 || amountCent <= 0 {
+		return ErrInvalidUser
+	}
+	var user model.User
+	if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+		return err
+	}
+	// 同一支付回调可能重复到达；已经是优质号主时保持幂等。
+	if user.QualityOwnerStatus == StatusActive {
+		return nil
+	}
+	if err := wallet.EnsureAccountTx(tx, userID, 0); err != nil {
+		return err
+	}
+	if err := wallet.AppendEntries(tx, wallet.Entry{
+		UserID:      userID,
+		Direction:   "in",
+		AmountCent:  amountCent,
+		BalanceType: "frozen",
+		BizType:     "quality_owner_deposit",
+		BizNo:       paymentNo,
+		Remark:      "在线支付优质号主保证金",
+	}); err != nil {
+		return err
+	}
+	now := time.Now()
+	beforeStatus := user.QualityOwnerStatus
+	user.QualityOwnerStatus = StatusActive
+	user.QualityOwnerDepositCent = amountCent
+	user.QualityOwnerDepositSource = DepositSourcePaid
+	user.QualityOwnerActivatedAt = &now
+	if err := tx.Save(&user).Error; err != nil {
+		return err
+	}
+	return auditlog.Append(tx, auditlog.Entry{
+		ActorType: "user",
+		ActorID:   userID,
+		Action:    "quality_owner.activate",
+		BizType:   "user",
+		BizID:     &userID,
+		Detail: map[string]any{
+			"before_status":       beforeStatus,
+			"after_status":        user.QualityOwnerStatus,
+			"deposit_amount_cent": amountCent,
+			"deposit_source":      DepositSourcePaid,
+			"payment_no":          paymentNo,
+			"pay_method":          "online",
+		},
+	})
+}
+
+func (r *Repository) Activate(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	err = r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		if user.RealnameStatus != "verified" {
+			return ErrInvalidUser
+		}
+		if user.Status != "active" {
+			return ErrInvalidUser
+		}
+		if user.QualityOwnerStatus == StatusActive {
+			return ErrAlreadyActive
+		}
+		var pendingPaymentCount int64
+		if err := tx.Model(&model.PaymentOrder{}).
+			Where(
+				"user_id = ? AND biz_type = ? AND status IN ? AND updated_at >= ?",
+				userID,
+				"quality_owner_pay",
+				[]string{"created", "paying"},
+				time.Now().Add(-30*time.Minute),
+			).
+			Count(&pendingPaymentCount).Error; err != nil {
+			return err
+		}
+		if pendingPaymentCount > 0 {
+			return ErrPaymentPending
+		}
+		if err := wallet.EnsureAccountTx(tx, userID, 0); err != nil {
+			return err
+		}
+		bizNo := fmt.Sprintf("QO%d", userID)
+		err := wallet.AppendEntries(tx,
+			wallet.Entry{
+				UserID:      userID,
+				Direction:   "out",
+				AmountCent:  rules.DepositAmountCent,
+				BalanceType: "available",
+				BizType:     "quality_owner_deposit",
+				BizNo:       bizNo,
+				Remark:      "缴纳优质号主保证金",
+			},
+			wallet.Entry{
+				UserID:      userID,
+				Direction:   "in",
+				AmountCent:  rules.DepositAmountCent,
+				BalanceType: "frozen",
+				BizType:     "quality_owner_deposit",
+				BizNo:       bizNo,
+				Remark:      "优质号主保证金冻结",
+			},
+		)
+		if errors.Is(err, wallet.ErrInsufficientBalance) {
+			return ErrDepositInsufficient
+		}
+		if err != nil {
+			return err
+		}
+		now := time.Now()
+		beforeStatus := user.QualityOwnerStatus
+		user.QualityOwnerStatus = StatusActive
+		user.QualityOwnerDepositCent = rules.DepositAmountCent
+		user.QualityOwnerDepositSource = DepositSourcePaid
+		user.QualityOwnerActivatedAt = &now
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		return auditlog.Append(tx, auditlog.Entry{
+			ActorType: "user",
+			ActorID:   userID,
+			Action:    "quality_owner.activate",
+			BizType:   "user",
+			BizID:     &userID,
+			Detail: map[string]any{
+				"before_status":       beforeStatus,
+				"after_status":        user.QualityOwnerStatus,
+				"deposit_amount_cent": rules.DepositAmountCent,
+				"deposit_source":      DepositSourcePaid,
+			},
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Status(ctx, userID)
+}
+
+func (r *Repository) AdminSet(ctx context.Context, adminID uint64, userID uint64, req AdminSetRequest, meta AuditMeta) (*StatusDTO, error) {
+	if r == nil || r.db == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	reason := strings.TrimSpace(req.Reason)
+	if userID == 0 || adminID == 0 {
+		return nil, ErrInvalidUser
+	}
+	if len([]rune(reason)) < 2 || len([]rune(reason)) > 200 {
+		return nil, ErrInvalidReason
+	}
+	rules, err := r.Rules(ctx)
+	if err != nil {
+		return nil, err
+	}
+	err = r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+		beforeStatus := user.QualityOwnerStatus
+		beforeDepositCent := user.QualityOwnerDepositCent
+		beforeSource := user.QualityOwnerDepositSource
+		if req.Enabled {
+			if user.Status != "active" {
+				return ErrInvalidUser
+			}
+			if beforeStatus != StatusActive {
+				now := time.Now()
+				user.QualityOwnerStatus = StatusActive
+				user.QualityOwnerDepositCent = rules.DepositAmountCent
+				user.QualityOwnerDepositSource = DepositSourceManual
+				user.QualityOwnerActivatedAt = &now
+			}
+		} else {
+			if beforeStatus != StatusActive {
+				return ErrInactive
+			}
+			if beforeSource == DepositSourcePaid && beforeDepositCent > 0 {
+				err := wallet.AppendEntries(tx,
+					wallet.Entry{
+						UserID:      userID,
+						Direction:   "out",
+						AmountCent:  beforeDepositCent,
+						BalanceType: "frozen",
+						BizType:     "quality_owner_deposit_refund",
+						BizNo:       fmt.Sprintf("QOR%d", userID),
+						Remark:      "取消优质号主，解冻保证金",
+					},
+					wallet.Entry{
+						UserID:      userID,
+						Direction:   "in",
+						AmountCent:  beforeDepositCent,
+						BalanceType: "available",
+						BizType:     "quality_owner_deposit_refund",
+						BizNo:       fmt.Sprintf("QOR%d", userID),
+						Remark:      "优质号主保证金退回",
+					},
+				)
+				if err != nil {
+					return err
+				}
+			}
+			user.QualityOwnerStatus = StatusNone
+			user.QualityOwnerDepositCent = 0
+			user.QualityOwnerDepositSource = ""
+			user.QualityOwnerActivatedAt = nil
+			if err := tx.Model(&model.RentalListing{}).
+				Where("owner_id = ? AND is_premium = ? AND status IN ?", userID, true, []string{"draft", "published"}).
+				Updates(map[string]any{
+					"status":        "offline",
+					"review_status": "none",
+					"review_reason": "优质号主资格已取消",
+				}).Error; err != nil {
+				return err
+			}
+		}
+		if err := tx.Save(&user).Error; err != nil {
+			return err
+		}
+		if err := auditlog.Append(tx, auditlog.Entry{
+			ActorType: "admin",
+			ActorID:   adminID,
+			Action:    "admin_user.set_quality_owner",
+			BizType:   "user",
+			BizID:     &userID,
+			Meta:      meta,
+			Detail: map[string]any{
+				"user_id":               userID,
+				"reason":                reason,
+				"before_status":         beforeStatus,
+				"after_status":          user.QualityOwnerStatus,
+				"before_deposit_cent":   beforeDepositCent,
+				"after_deposit_cent":    user.QualityOwnerDepositCent,
+				"before_deposit_source": beforeSource,
+				"after_deposit_source":  user.QualityOwnerDepositSource,
+			},
+		}); err != nil {
+			return err
+		}
+		return nil
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Status(ctx, userID)
+}
+
+func toStatusDTO(user model.User, account model.WalletAccount, rules Rules) *StatusDTO {
+	return &StatusDTO{
+		UserID:                 user.ID,
+		Active:                 user.QualityOwnerStatus == StatusActive,
+		Status:                 user.QualityOwnerStatus,
+		DepositAmountCent:      user.QualityOwnerDepositCent,
+		DepositSource:          user.QualityOwnerDepositSource,
+		ActivatedAt:            user.QualityOwnerActivatedAt,
+		AvailableBalanceCent:   account.AvailableBalanceCent,
+		RequiredDepositCent:    rules.DepositAmountCent,
+		InsuranceFeeBps:        rules.InsuranceFeeBps,
+		PremiumInsuranceFeeBps: rules.PremiumInsuranceFeeBps,
+	}
+}

backend/internal/modules/qualityowner/repository_integration_test.go

@@ -0,0 +1,114 @@
+package qualityowner
+
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/database"
+	"hfb_sys/backend/internal/model"
+)
+
+func TestActivateAndAdminDisableRefundDeposit(t *testing.T) {
+	db := database.NewTestDB()
+	user := model.User{
+		Phone:          "13900009301",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+	account := model.WalletAccount{
+		UserID:               user.ID,
+		AvailableBalanceCent: 30_000,
+		Status:               "active",
+	}
+	if err := db.Create(&account).Error; err != nil {
+		t.Fatalf("创建钱包失败: %v", err)
+	}
+
+	repo := NewRepository(db)
+	status, err := repo.Activate(t.Context(), user.ID)
+	if err != nil {
+		t.Fatalf("开通优质号主失败: %v", err)
+	}
+	if !status.Active || status.DepositAmountCent != 20_000 || status.DepositSource != DepositSourcePaid {
+		t.Fatalf("开通后的状态不正确: %+v", status)
+	}
+	if status.AvailableBalanceCent != 10_000 {
+		t.Fatalf("可用余额 = %d, want 10000", status.AvailableBalanceCent)
+	}
+	if err := db.First(&account, account.ID).Error; err != nil {
+		t.Fatalf("读取钱包失败: %v", err)
+	}
+	if account.FrozenBalanceCent != 20_000 {
+		t.Fatalf("冻结余额 = %d, want 20000", account.FrozenBalanceCent)
+	}
+
+	status, err = repo.AdminSet(t.Context(), 99, user.ID, AdminSetRequest{
+		Enabled: false,
+		Reason:  "用户申请取消优质号主",
+	}, AuditMeta{RequestID: "quality-owner-disable"})
+	if err != nil {
+		t.Fatalf("取消优质号主失败: %v", err)
+	}
+	if status.Active || status.DepositAmountCent != 0 {
+		t.Fatalf("取消后的状态不正确: %+v", status)
+	}
+	if status.AvailableBalanceCent != 30_000 {
+		t.Fatalf("退款后可用余额 = %d, want 30000", status.AvailableBalanceCent)
+	}
+	if err := db.First(&account, account.ID).Error; err != nil {
+		t.Fatalf("读取退款后钱包失败: %v", err)
+	}
+	if account.FrozenBalanceCent != 0 {
+		t.Fatalf("退款后冻结余额 = %d, want 0", account.FrozenBalanceCent)
+	}
+
+	var ledgerCount int64
+	if err := db.Model(&model.WalletLedger{}).Where("user_id = ?", user.ID).Count(&ledgerCount).Error; err != nil {
+		t.Fatalf("统计钱包流水失败: %v", err)
+	}
+	if ledgerCount != 4 {
+		t.Fatalf("钱包流水条数 = %d, want 4", ledgerCount)
+	}
+	var auditCount int64
+	if err := db.Model(&model.AuditLog{}).
+		Where("action = ? AND biz_id = ?", "admin_user.set_quality_owner", user.ID).
+		Count(&auditCount).Error; err != nil {
+		t.Fatalf("统计审计日志失败: %v", err)
+	}
+	if auditCount != 1 {
+		t.Fatalf("后台设置审计日志条数 = %d, want 1", auditCount)
+	}
+}
+
+func TestAdminCanGrantQualityOwnerWithoutWalletDeposit(t *testing.T) {
+	db := database.NewTestDB()
+	user := model.User{
+		Phone:          "13900009302",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败: %v", err)
+	}
+
+	repo := NewRepository(db)
+	status, err := repo.AdminSet(t.Context(), 99, user.ID, AdminSetRequest{
+		Enabled: true,
+		Reason:  "客服核验后手动开通",
+	}, AuditMeta{RequestID: "quality-owner-enable"})
+	if err != nil {
+		t.Fatalf("后台开通优质号主失败: %v", err)
+	}
+	if !status.Active || status.DepositSource != DepositSourceManual || status.DepositAmountCent != 20_000 {
+		t.Fatalf("后台开通状态不正确: %+v", status)
+	}
+	var ledgerCount int64
+	if err := db.Model(&model.WalletLedger{}).Where("user_id = ?", user.ID).Count(&ledgerCount).Error; err != nil {
+		t.Fatalf("统计钱包流水失败: %v", err)
+	}
+	if ledgerCount != 0 {
+		t.Fatalf("后台手动开通不应产生钱包流水，实际 %d 条", ledgerCount)
+	}
+}

backend/internal/modules/qualityowner/service.go

@@ -0,0 +1,32 @@
+package qualityowner
+
+import "context"
+
+type Service struct {
+	repo *Repository
+}
+
+func NewService(repo *Repository) *Service {
+	return &Service{repo: repo}
+}
+
+func (s *Service) Status(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if s == nil || s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	return s.repo.Status(ctx, userID)
+}
+
+func (s *Service) Activate(ctx context.Context, userID uint64) (*StatusDTO, error) {
+	if s == nil || s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	return s.repo.Activate(ctx, userID)
+}
+
+func (s *Service) AdminSet(ctx context.Context, adminID uint64, userID uint64, req AdminSetRequest, meta AuditMeta) (*StatusDTO, error) {
+	if s == nil || s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	return s.repo.AdminSet(ctx, adminID, userID, req, meta)
+}

backend/internal/modules/systemconfig/repository.go

@@ -10,6 +10,7 @@ import (
 
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/qualityowner"
 	"hfb_sys/backend/internal/modules/rentergrowth"
 	smsnode "hfb_sys/backend/internal/modules/sms"
 
@@ -39,6 +40,7 @@ var defaultConfigs = []defaultConfig{
 	{Key: "order.return_overdue_grace_minutes", Value: "10", Description: "预计截止后结账宽限分钟数"},
 	{Key: "listing.review_required", Value: "false", Description: "发布账号是否需要后台人工审核"},
 	{Key: "listing.publish_cooldown_minutes", Value: "5", Description: "同一用户两次新增发布账号的最小间隔分钟数（0 表示关闭）"},
+	{Key: qualityowner.ConfigKey, Value: qualityowner.DefaultConfigValue(), Description: "优质号主保证金与无忧租号保险费率配置 JSON"},
 	{Key: listingPublishAgreementsConfigKey, Value: defaultListingPublishAgreementsConfigValue(), Description: "发布账号前协议配置 JSON"},
 	{Key: orderAgreementsConfigKey, Value: defaultOrderAgreementsConfigValue(), Description: "下单前协议配置 JSON"},
 	{Key: postRentalNoticeConfigKey, Value: defaultPostRentalNoticeConfigValue(), Description: "租后须知配置 JSON"},
@@ -91,6 +93,7 @@ var adminVisibleConfigKeys = []string{
 	"order.pending_payment_timeout_minutes",
 	"order.return_overdue_grace_minutes",
 	"profile.post_rental_notice",
+	qualityowner.ConfigKey,
 	"renter.growth_level_rules",
 	"sms.business_templates",
 }

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)
 }
 

backend/internal/router/router.go

@@ -35,6 +35,7 @@ import (
 	"hfb_sys/backend/internal/modules/paymentaccount"
 	"hfb_sys/backend/internal/modules/paymentconfig"
 	"hfb_sys/backend/internal/modules/pickup"
+	"hfb_sys/backend/internal/modules/qualityowner"
 	"hfb_sys/backend/internal/modules/realname"
 	"hfb_sys/backend/internal/modules/supportgroup"
 	"hfb_sys/backend/internal/modules/systemconfig"
@@ -165,6 +166,10 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	if deps.DB != nil {
 		listingRepo = listing.NewRepository(deps.DB, chatCreator)
 	}
+	var qualityOwnerRepo *qualityowner.Repository
+	if deps.DB != nil {
+		qualityOwnerRepo = qualityowner.NewRepository(deps.DB)
+	}
 	var paymentRepo *payment.Repository
 	var orderRepo *order.Repository
 	if deps.DB != nil {
@@ -267,6 +272,9 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 		if mohongRepo != nil {
 			paymentOpts = append(paymentOpts, payment.WithMohongRepo(mohongRepo))
 		}
+		if qualityOwnerRepo != nil {
+			paymentOpts = append(paymentOpts, payment.WithQualityOwnerRepo(qualityOwnerRepo))
+		}
 		paymentRepo = payment.NewRepository(deps.DB, paymentConfigRepo, orderRepo, paymentOpts...)
 	}
 	paymentService := payment.NewService(paymentRepo)
@@ -309,6 +317,8 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 	}
 	systemConfigService := systemconfig.NewService(systemConfigRepo)
 	systemConfigHandler := systemconfig.NewHandler(systemConfigService)
+	qualityOwnerService := qualityowner.NewService(qualityOwnerRepo)
+	qualityOwnerHandler := qualityowner.NewHandler(qualityOwnerService)
 	var distributionRepo *distribution.Repository
 	if deps.DB != nil {
 		distributionRepo = distribution.NewRepository(deps.DB, deps.Redis)
@@ -477,6 +487,14 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 		api.PUT("/me", requireAuth, userHandler.UpdateMe)
 		api.PUT("/password", requireAuth, authHandler.SetPassword)
 
+		qualityOwnerRoutes := api.Group("/quality-owner", requireAuth)
+		{
+			qualityOwnerRoutes.GET("/status", qualityOwnerHandler.Status)
+			qualityOwnerRoutes.POST("/activate", requireRealname, qualityOwnerHandler.Activate)
+			qualityOwnerRoutes.POST("/payment", requireRealname, paymentHandler.StartQualityOwner)
+			qualityOwnerRoutes.GET("/payment", paymentHandler.QueryQualityOwner)
+		}
+
 		if invitationHandler != nil {
 			api.GET("/invitations/code-info", invitationHandler.GetInviteInfo)
 			api.GET("/invitations/code-info/:code", invitationHandler.GetInviteInfo)
@@ -768,6 +786,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 			adminRoutes.POST("/users/:id/manual-realname", requirePerm("user:manual_realname"), adminUserHandler.ManualRealname)
 			adminRoutes.POST("/users/:id/revoke-realname", requirePerm("user:revoke_realname"), adminUserHandler.RevokeRealname)
 			adminRoutes.POST("/users/:id/wallet/adjust", requirePerm("user:wallet_adjust"), adminUserHandler.AdjustWallet)
+			adminRoutes.POST("/users/:id/quality-owner", requirePerm("user:quality_owner"), qualityOwnerHandler.AdminSet)
 			adminRoutes.GET("/orders", requirePerm("order:list"), orderHandler.AdminList)
 			adminRoutes.GET("/listing-orders/:id/latest", requirePerm("order:view"), orderHandler.AdminLatestByListing)
 			adminRoutes.GET("/orders/:id", requirePerm("order:view"), orderHandler.AdminDetail)

backend/migrations/000093_quality_owner_and_premium_listings.sql

@@ -0,0 +1,73 @@
+-- +goose Up
+
+-- 优质号主与无忧租号保险：
+--   users 保存优质号主资格及保证金快照；
+--   rental_listings 标记极品专区商品，并保存发布时赔付方案/费率快照；
+--   rental_orders / order_checkouts 保存下单时费率快照和实际保险服务费。
+ALTER TABLE users
+  ADD COLUMN quality_owner_status VARCHAR(16) NOT NULL DEFAULT 'none' COMMENT '优质号主状态: none普通/active优质' AFTER status,
+  ADD COLUMN quality_owner_deposit_cent BIGINT NOT NULL DEFAULT 0 COMMENT '优质号主保证金(分)' AFTER quality_owner_status,
+  ADD COLUMN quality_owner_deposit_source VARCHAR(16) NOT NULL DEFAULT '' COMMENT '保证金来源: paid用户缴纳/manual后台设置' AFTER quality_owner_deposit_cent,
+  ADD COLUMN quality_owner_activated_at DATETIME NULL COMMENT '优质号主开通时间' AFTER quality_owner_deposit_source,
+  ADD KEY idx_users_quality_owner_status (quality_owner_status);
+
+ALTER TABLE rental_listings
+  ADD COLUMN is_premium TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否极品专区' AFTER distribution_site_id,
+  ADD COLUMN compensation_plan VARCHAR(16) NOT NULL DEFAULT 'normal' COMMENT '赔付方案: normal普通赔付/insurance无忧租号保险' AFTER is_premium,
+  ADD COLUMN insurance_fee_bps INT NOT NULL DEFAULT 0 COMMENT '保险服务费率快照(万分比)' AFTER compensation_plan,
+  ADD KEY idx_rental_listings_premium_status (is_premium, status, review_status);
+
+ALTER TABLE rental_orders
+  ADD COLUMN is_premium TINYINT(1) NOT NULL DEFAULT 0 COMMENT '下单时是否极品专区' AFTER distribution_rule_version_id,
+  ADD COLUMN compensation_plan VARCHAR(16) NOT NULL DEFAULT 'normal' COMMENT '下单时赔付方案快照' AFTER is_premium,
+  ADD COLUMN insurance_fee_bps INT NOT NULL DEFAULT 0 COMMENT '下单时保险服务费率快照(万分比)' AFTER compensation_plan,
+  ADD COLUMN insurance_fee_cent BIGINT NOT NULL DEFAULT 0 COMMENT '实际保险服务费(分)' AFTER insurance_fee_bps;
+
+ALTER TABLE order_checkouts
+  ADD COLUMN insurance_fee_bps INT NOT NULL DEFAULT 0 COMMENT '保险服务费率快照(万分比)' AFTER platform_fee_cent,
+  ADD COLUMN insurance_fee_cent BIGINT NOT NULL DEFAULT 0 COMMENT '保险服务费(分)' AFTER insurance_fee_bps;
+
+INSERT INTO permissions (code, name, resource, action) VALUES
+('user:quality_owner', '设置优质号主', 'user', 'quality_owner')
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name),
+  resource = VALUES(resource),
+  action = VALUES(action);
+
+INSERT IGNORE INTO role_permissions (role_id, permission_id)
+SELECT r.id, p.id
+FROM roles r
+JOIN permissions p ON p.code = 'user:quality_owner'
+WHERE r.code IN ('ops', 'super_admin');
+
+-- +goose Down
+
+DELETE rp
+FROM role_permissions rp
+JOIN permissions p ON p.id = rp.permission_id
+WHERE p.code = 'user:quality_owner';
+
+DELETE FROM permissions WHERE code = 'user:quality_owner';
+
+ALTER TABLE order_checkouts
+  DROP COLUMN insurance_fee_cent,
+  DROP COLUMN insurance_fee_bps;
+
+ALTER TABLE rental_orders
+  DROP COLUMN insurance_fee_cent,
+  DROP COLUMN insurance_fee_bps,
+  DROP COLUMN compensation_plan,
+  DROP COLUMN is_premium;
+
+ALTER TABLE rental_listings
+  DROP KEY idx_rental_listings_premium_status,
+  DROP COLUMN insurance_fee_bps,
+  DROP COLUMN compensation_plan,
+  DROP COLUMN is_premium;
+
+ALTER TABLE users
+  DROP KEY idx_users_quality_owner_status,
+  DROP COLUMN quality_owner_activated_at,
+  DROP COLUMN quality_owner_deposit_source,
+  DROP COLUMN quality_owner_deposit_cent,
+  DROP COLUMN quality_owner_status;

backend/migrations/000094_quality_owner_payment.sql

@@ -0,0 +1,13 @@
+-- +goose Up
+
+-- 通用业务支付单：订单支付继续使用 order_id；优质号主保证金等非订单业务使用 biz_id，
+-- 避免把用户 ID 写入订单外键语义。
+ALTER TABLE payment_orders
+  ADD COLUMN biz_id BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '业务对象ID（非订单业务使用）' AFTER order_no,
+  ADD KEY idx_payment_orders_user_biz (user_id, biz_type, biz_id, status);
+
+-- +goose Down
+
+ALTER TABLE payment_orders
+  DROP KEY idx_payment_orders_user_biz,
+  DROP COLUMN biz_id;

frontend/src/features/admin/api/adminPayments.ts

@@ -7,6 +7,7 @@ export interface AdminPayment {
   payment_no: string
   order_id: number
   order_no: string
+  biz_id?: number
   user_id: number
   user_phone: string
   provider: string

frontend/src/features/admin/api/adminUsers.ts

@@ -21,6 +21,10 @@ export interface AdminUserItem {
   renter_growth_level_name: string
   available_balance_cent: number
   frozen_balance_cent: number
+  quality_owner_status: 'none' | 'active' | string
+  quality_owner_deposit_cent: number
+  quality_owner_deposit_source: 'paid' | 'manual' | '' | string
+  quality_owner_activated_at?: string
   status: UserStatus
   order_count: number
   listing_count: number
@@ -46,6 +50,7 @@ export interface AdminUserQuery {
   keyword?: string
   status?: '' | UserStatus
   has_deposit_free_quota?: boolean
+  quality_owner_only?: boolean
 }
 
 export async function fetchAdminUsers(page = 1, pageSize = 20, query: AdminUserQuery = {}) {
@@ -53,6 +58,7 @@ export async function fetchAdminUsers(page = 1, pageSize = 20, query: AdminUserQ
   if (query.keyword) params.keyword = query.keyword
   if (query.status) params.status = query.status
   if (query.has_deposit_free_quota) params.has_deposit_free_quota = true
+  if (query.quality_owner_only) params.quality_owner_only = true
   const { data } = await apiClient.get<ApiResponse<PaginatedResult<AdminUserItem>>>(
     '/admin/users',
     {
@@ -128,3 +134,14 @@ export async function adjustAdminUserWallet(id: number, payload: AdminWalletAdju
   )
   return data.data
 }
+
+export async function setAdminUserQualityOwner(
+  id: number,
+  payload: { enabled: boolean; reason: string }
+) {
+  const { data } = await apiClient.post<ApiResponse<unknown>>(
+    `/admin/users/${id}/quality-owner`,
+    payload
+  )
+  return data.data
+}

frontend/src/features/admin/components/AdminUserDetailDrawer.vue

@@ -408,6 +408,7 @@ function paymentBizTypeLabel(type: string) {
     rent_refund: '租金退款',
     arbitration_refund: '仲裁退款',
     mohong_pay: '撞车支付',
+    quality_owner_pay: '优质号主保证金',
     mohong_refund: '撞车退款',
   }
   return labels[type] || type || '-'

frontend/src/features/admin/components/QualityOwnerConfigDialog.vue

@@ -0,0 +1,122 @@
+<script setup lang="ts">
+import { ElMessage } from 'element-plus'
+import { reactive, watch } from 'vue'
+
+import { updateSystemConfig, type SystemConfig } from '@/features/admin/api/systemConfigs'
+import { readError } from '@/shared/utils/error'
+
+const props = defineProps<{
+  modelValue: boolean
+  config: SystemConfig
+}>()
+
+const emit = defineEmits<{
+  (e: 'update:modelValue', value: boolean): void
+  (e: 'saved'): void
+}>()
+
+const form = reactive({
+  depositYuan: 200,
+  insurancePercent: 8,
+  premiumInsurancePercent: 4,
+  description: '',
+  saving: false,
+})
+
+watch(
+  () => props.modelValue,
+  visible => {
+    if (!visible) return
+    try {
+      const parsed = JSON.parse(props.config.value || '{}') as Record<string, unknown>
+      form.depositYuan = Number(parsed.deposit_amount_cent || 20000) / 100
+      form.insurancePercent = Number(parsed.insurance_fee_bps || 800) / 100
+      form.premiumInsurancePercent = Number(parsed.premium_insurance_fee_bps || 400) / 100
+    } catch {
+      form.depositYuan = 200
+      form.insurancePercent = 8
+      form.premiumInsurancePercent = 4
+    }
+    form.description = props.config.description || ''
+  },
+  { immediate: true }
+)
+
+async function save() {
+  if (!(form.depositYuan > 0)) {
+    ElMessage.warning('保证金必须大于 0')
+    return
+  }
+  if (
+    form.insurancePercent < 0 ||
+    form.premiumInsurancePercent < 0 ||
+    form.premiumInsurancePercent > form.insurancePercent
+  ) {
+    ElMessage.warning('极品专区费率不能高于普通保险费率')
+    return
+  }
+  form.saving = true
+  try {
+    await updateSystemConfig(props.config.key, {
+      value: JSON.stringify({
+        deposit_amount_cent: Math.round(form.depositYuan * 100),
+        insurance_fee_bps: Math.round(form.insurancePercent * 100),
+        premium_insurance_fee_bps: Math.round(form.premiumInsurancePercent * 100),
+      }),
+      description: form.description,
+    })
+    ElMessage.success('优质号主与保险费率配置已更新')
+    emit('saved')
+    emit('update:modelValue', false)
+  } catch (error) {
+    ElMessage.error(readError(error, '保存配置失败'))
+  } finally {
+    form.saving = false
+  }
+}
+</script>
+
+<template>
+  <el-dialog
+    :model-value="modelValue"
+    title="优质号主与无忧租号保险"
+    width="560px"
+    @update:model-value="emit('update:modelValue', $event)"
+  >
+    <el-form label-position="top">
+      <el-form-item label="优质号主保证金（元）">
+        <el-input-number v-model="form.depositYuan" :min="0.01" :precision="2" />
+      </el-form-item>
+      <el-form-item label="普通无忧租号保险服务费（%）">
+        <el-input-number
+          v-model="form.insurancePercent"
+          :min="0"
+          :max="100"
+          :precision="2"
+          :step="0.5"
+        />
+      </el-form-item>
+      <el-form-item label="优质号主 + 极品专区服务费（%）">
+        <el-input-number
+          v-model="form.premiumInsurancePercent"
+          :min="0"
+          :max="100"
+          :precision="2"
+          :step="0.5"
+        />
+      </el-form-item>
+      <el-form-item label="配置说明">
+        <el-input v-model="form.description" type="textarea" :rows="3" />
+      </el-form-item>
+    </el-form>
+    <el-alert
+      type="info"
+      :closable="false"
+      title="费率按号主实际到手租金计算，并在订单结算时扣减；历史订单保留下单时费率快照。"
+    />
+    <template #footer>
+      <el-button @click="emit('update:modelValue', false)">取消</el-button>
+      <el-button type="primary" :loading="form.saving" @click="save">保存配置</el-button>
+    </template>
+  </el-dialog>
+</template>

frontend/src/features/admin/utils/adminOrderPresentation.ts

@@ -42,6 +42,7 @@ export function paymentBizTypeLabel(type: string) {
     admin_close_refund: '客服关闭退款',
     admin_seal_refund: '封存退款',
     deposit_refund: '暂扣押金归还',
+    quality_owner_pay: '优质号主保证金',
   }
   return labels[type] || type
 }

frontend/src/features/admin/views/AdminChatsView.vue

@@ -648,6 +648,7 @@ function paymentBizTypeLabel(type: string) {
     admin_refund: '人工退款',
     cancel_refund: '取消退款',
     admin_close_refund: '客服关闭退款',
+    quality_owner_pay: '优质号主保证金',
   }
   return map[type] || type
 }

frontend/src/features/admin/views/AdminListingsView.vue

@@ -990,6 +990,20 @@ function formatQuantity(value: number) {
           <strong class="listing-code">{{ formatListingCode(row) }}</strong>
         </template>
       </el-table-column>
+      <el-table-column label="专区" width="72">
+        <template #default="{ row }">
+          <el-tag v-if="row.is_premium" type="warning" size="small">极品</el-tag>
+          <span v-else>普通</span>
+        </template>
+      </el-table-column>
+      <el-table-column label="赔付方案" width="102">
+        <template #default="{ row }">
+          <span v-if="row.compensation_plan === 'insurance'">
+            无忧保险 {{ (Number(row.insurance_fee_bps || 0) / 100).toFixed(1) }}%
+          </span>
+          <span v-else>普通赔付</span>
+        </template>
+      </el-table-column>
       <el-table-column label="地区" width="86">
         <template #default="{ row }">{{ regionText(row) }}</template>
       </el-table-column>

frontend/src/features/admin/views/AdminPaymentsView.vue

@@ -37,7 +37,12 @@ const filters = reactive({
 
 const payAmount = computed(() =>
   payments.value
-    .filter(item => item.biz_type === 'order_pay' || item.biz_type === 'mohong_pay')
+    .filter(
+      item =>
+        item.biz_type === 'order_pay' ||
+        item.biz_type === 'mohong_pay' ||
+        item.biz_type === 'quality_owner_pay'
+    )
     .reduce((sum, item) => sum + Number(item.amount_cent || 0), 0)
 )
 const refundAmount = computed(() =>
@@ -123,6 +128,7 @@ function bizTypeLabel(type: string) {
     rent_refund: '租金退款',
     arbitration_refund: '仲裁退款',
     mohong_pay: '撞车支付',
+    quality_owner_pay: '优质号主保证金',
     mohong_refund: '撞车退款',
   }
   return map[type] || type
@@ -225,6 +231,7 @@ function jsonText(value: unknown) {
           >
             <el-option label="订单支付" value="order_pay" />
             <el-option label="撞车支付" value="mohong_pay" />
+            <el-option label="优质号主保证金" value="quality_owner_pay" />
             <el-option label="结账退款" value="checkout_refund" />
             <el-option label="仲裁退款" value="arbitration_refund" />
             <el-option label="人工退款" value="admin_refund" />

frontend/src/features/admin/views/AdminSystemConfigsView.vue

@@ -51,6 +51,7 @@ import PostRentalNoticeDialog from '../components/PostRentalNoticeDialog.vue'
 import GeneralConfigDialog from '../components/GeneralConfigDialog.vue'
 import RenterGrowthConfigDialog from '../components/RenterGrowthConfigDialog.vue'
 import SmsNodeTemplatesDialog from '../components/SmsNodeTemplatesDialog.vue'
+import QualityOwnerConfigDialog from '../components/QualityOwnerConfigDialog.vue'
 import AutoWelcomeConfig from '../components/AutoWelcomeConfig.vue'
 import {
   fetchAutoWelcomeMessage,
@@ -88,6 +89,7 @@ const currentEditingConfig = ref<SystemConfig | null>(null)
 // 各种子 Dialog 的可见性控制
 const publishVisible = ref(false)
 const salePriceVisible = ref(false)
+const qualityOwnerVisible = ref(false)
 const announcementsVisible = ref(false)
 const bannersVisible = ref(false)
 const awRecycleVisible = ref(false)
@@ -105,6 +107,9 @@ const publishConfig = computed(
 const salePriceConfig = computed(
   () => configs.value.find(item => item.key === 'listing.sale_price_config') || null
 )
+const qualityOwnerConfig = computed(
+  () => configs.value.find(item => item.key === 'quality_owner.rules') || null
+)
 const listingPublishCooldownConfig = computed(
   () => configs.value.find(item => item.key === 'listing.publish_cooldown_minutes') || null
 )
@@ -176,6 +181,7 @@ const regularConfigs = computed(() =>
     item =>
       item.key !== 'listing.publish_options' &&
       item.key !== 'listing.sale_price_config' &&
+      item.key !== 'quality_owner.rules' &&
       item.key !== 'listing.publish_cooldown_minutes' &&
       item.key !== 'mobile.home_announcements' &&
       item.key !== 'mobile.home_banners' &&
@@ -220,6 +226,19 @@ const salePriceStats = computed(() => {
   }
 })
 
+const qualityOwnerStats = computed(() => {
+  try {
+    const parsed = JSON.parse(qualityOwnerConfig.value?.value || '{}')
+    return {
+      deposit: Number(parsed.deposit_amount_cent || 20000) / 100,
+      insurance: Number(parsed.insurance_fee_bps || 800) / 100,
+      premium: Number(parsed.premium_insurance_fee_bps || 400) / 100,
+    }
+  } catch {
+    return { deposit: 200, insurance: 8, premium: 4 }
+  }
+})
+
 const homeStats = computed(() => {
   const announcements = parseHomeAnnouncements(homeAnnouncementsConfig.value?.value || '')
   const banners = parseHomeBanners(homeBannersConfig.value?.value || '')
@@ -343,6 +362,8 @@ function openEdit(row: SystemConfig) {
     publishVisible.value = true
   } else if (row.key === 'listing.sale_price_config') {
     salePriceVisible.value = true
+  } else if (row.key === 'quality_owner.rules') {
+    qualityOwnerVisible.value = true
   } else if (row.key === 'mobile.home_announcements') {
     announcementsVisible.value = true
   } else if (row.key === 'mobile.home_banners') {
@@ -633,6 +654,43 @@ function formatConfigValue(row: SystemConfig) {
       </div>
     </section>
 
+    <section v-if="qualityOwnerConfig" class="publish-config-panel">
+      <div class="publish-config-main">
+        <div>
+          <p class="eyebrow">Premium Owner</p>
+          <h2>优质号主与无忧租号保险</h2>
+          <span>
+            配置优质号主保证金，以及普通发布和「优质号主 + 极品专区」的无忧租号保险服务费率。
+          </span>
+        </div>
+        <el-button type="primary" @click="openEdit(qualityOwnerConfig)">
+          编辑保证金与费率
+        </el-button>
+      </div>
+      <div class="publish-stat-grid home-stat-grid">
+        <div class="publish-stat">
+          <strong>¥{{ qualityOwnerStats.deposit }}</strong>
+          <span>优质号主保证金</span>
+        </div>
+        <div class="publish-stat">
+          <strong>{{ qualityOwnerStats.insurance }}%</strong>
+          <span>普通保险费率</span>
+        </div>
+        <div class="publish-stat">
+          <strong>{{ qualityOwnerStats.premium }}%</strong>
+          <span>极品专区专享费率</span>
+        </div>
+        <div class="publish-stat">
+          <strong>订单快照</strong>
+          <span>历史订单不受调价影响</span>
+        </div>
+        <div class="publish-stat">
+          <strong>更新</strong>
+          <span>{{ formatHomeConfigStatus(qualityOwnerConfig, '未初始化') }}</span>
+        </div>
+      </div>
+    </section>
+
     <section v-if="renterGrowthConfig" class="publish-config-panel">
       <div class="publish-config-main">
         <div>
@@ -1009,6 +1067,13 @@ function formatConfigValue(row: SystemConfig) {
       @saved="loadConfigs"
     />
 
+    <QualityOwnerConfigDialog
+      v-if="qualityOwnerConfig"
+      v-model="qualityOwnerVisible"
+      :config="qualityOwnerConfig"
+      @saved="loadConfigs"
+    />
+
     <HomeAnnouncementsDialog
       v-if="homeAnnouncementsConfig"
       v-model="announcementsVisible"

frontend/src/features/admin/views/AdminUsersView.vue

@@ -12,6 +12,7 @@ import {
   manualAdminUserRealname,
   revokeAdminUserRealname,
   setAdminUserDepositFreeQuota,
+  setAdminUserQualityOwner,
   unfreezeAdminUser,
   type AdminUserItem,
   type AdminUserQuery,
@@ -27,6 +28,7 @@ import AdminUserDetailDrawer from '../components/AdminUserDetailDrawer.vue'
 const adminSession = useAdminSessionStore()
 const canAdjustWallet = computed(() => adminSession.hasPermission('user:wallet_adjust'))
 const canAdjustGrowthPoints = computed(() => adminSession.hasPermission('user:growth_points'))
+const canSetQualityOwner = computed(() => adminSession.hasPermission('user:quality_owner'))
 const canViewUserDetail = computed(
   () =>
     adminSession.hasPermission('wallet:view') ||
@@ -65,6 +67,7 @@ const filters = reactive<AdminUserQuery>({
   keyword: '',
   status: '',
   has_deposit_free_quota: false,
+  quality_owner_only: false,
 })
 
 const {
@@ -87,6 +90,7 @@ function resetFilters() {
   filters.keyword = ''
   filters.status = ''
   filters.has_deposit_free_quota = false
+  filters.quality_owner_only = false
   queryUsers()
 }
 
@@ -317,6 +321,40 @@ async function handleWalletAdjust() {
   }
 }
 
+async function handleToggleQualityOwner(row: AdminUserItem) {
+  const enabling = row.quality_owner_status !== 'active'
+  try {
+    const { value } = await ElMessageBox.prompt(
+      enabling
+        ? '后台手动开通将直接发放优质号主资格并跳过保证金缴纳，请填写原因。'
+        : '取消后用户将无法继续发布到极品专区，已发布的极品商品会下架；用户自缴保证金将退回可用余额。',
+      enabling ? '设置优质号主' : '取消优质号主',
+      {
+        inputPlaceholder: '请填写 2-200 字操作原因',
+        inputValidator: value => {
+          const length = value.trim().length
+          return (length >= 2 && length <= 200) || '请填写 2-200 字操作原因'
+        },
+        confirmButtonText: enabling ? '确认开通' : '确认取消',
+        cancelButtonText: '取消',
+        type: 'warning',
+      }
+    )
+    submitting.value = true
+    await setAdminUserQualityOwner(row.id, {
+      enabled: enabling,
+      reason: value.trim(),
+    })
+    ElMessage.success(enabling ? '已设置为优质号主' : '已取消优质号主')
+    await loadUsers()
+  } catch (error) {
+    if (error === 'cancel' || error === 'close') return
+    ElMessage.error(readError(error, '设置优质号主失败'))
+  } finally {
+    submitting.value = false
+  }
+}
+
 function moneyCent(value: number | string | undefined) {
   return formatCent(Number(value || 0))
 }
@@ -363,6 +401,11 @@ function moneyCent(value: number | string | undefined) {
             仅看有额度
           </el-checkbox>
         </el-form-item>
+        <el-form-item label="号主类型">
+          <el-checkbox v-model="filters.quality_owner_only" @change="queryUsers">
+            仅看优质号主
+          </el-checkbox>
+        </el-form-item>
         <el-form-item>
           <el-button type="primary" :icon="Search" :loading="loading" @click="queryUsers"
             >查询</el-button
@@ -382,6 +425,14 @@ function moneyCent(value: number | string | undefined) {
       <el-table-column label="实名状态" width="100">
         <template #default="{ row }">{{ realnameStatusLabel(row.realname_status) }}</template>
       </el-table-column>
+      <el-table-column label="号主类型" width="110">
+        <template #default="{ row }">
+          <el-tag v-if="row.quality_owner_status === 'active'" type="warning" effect="light">
+            优质号主
+          </el-tag>
+          <span v-else class="muted-text">普通</span>
+        </template>
+      </el-table-column>
       <el-table-column label="成长等级" width="100">
         <template #default="{ row }">
           <el-tag type="success" effect="light">{{
@@ -424,7 +475,7 @@ function moneyCent(value: number | string | undefined) {
       <el-table-column label="注册时间" min-width="160">
         <template #default="{ row }">{{ formatDateTime(row.created_at) }}</template>
       </el-table-column>
-      <el-table-column label="操作" width="400" fixed="right" align="right">
+      <el-table-column label="操作" width="470" fixed="right" align="right">
         <template #default="{ row }">
           <div class="table-actions">
             <el-button
@@ -457,6 +508,16 @@ function moneyCent(value: number | string | undefined) {
             <el-button text type="primary" size="small" @click="openDepositQuota(row)">
               人工免押
             </el-button>
+            <el-button
+              v-if="canSetQualityOwner"
+              text
+              type="warning"
+              size="small"
+              :loading="submitting"
+              @click="handleToggleQualityOwner(row)"
+            >
+              {{ row.quality_owner_status === 'active' ? '取消优质' : '设为优质' }}
+            </el-button>
             <el-button
               v-if="row.realname_status !== 'verified'"
               text

frontend/src/features/auth/api/auth.ts

@@ -13,6 +13,7 @@ export interface AuthUser {
   credit_score: number
   renter_growth_points?: number
   renter_growth_level?: string
+  quality_owner_status?: string
   status: UserStatus
 }
 

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 {

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"

frontend/src/features/auth/views/ProfileView.vue

@@ -4,13 +4,16 @@ import {
   Camera,
   CircleCheckFilled,
   EditPen,
+  Loading,
   Lock,
+  Picture,
   Postcard,
   RefreshRight,
+  Trophy,
   User,
   WarningFilled,
 } from '@element-plus/icons-vue'
-import { ElMessage } from 'element-plus'
+import { ElMessage, ElMessageBox } from 'element-plus'
 import { computed, onMounted, reactive, ref } from 'vue'
 import { useRouter } from 'vue-router'
 
@@ -18,10 +21,25 @@ import { uploadFile } from '@/shared/api/files'
 import { useSessionStore } from '@/stores/session'
 import { realnameStatusLabel } from '@/shared/utils/statusLabels'
 import { setPassword } from '@/features/auth/api/auth'
+import {
+  activateQualityOwner,
+  fetchQualityOwnerStatus,
+  queryQualityOwnerPayment,
+  startQualityOwnerPayment,
+  type QualityOwnerStatus,
+} from '@/features/quality-owner/api/qualityOwner'
+import { formatCent } from '@/shared/utils/money'
+import type { PaymentPayWay } from '@/features/orders/api/orders'
+import { useOrderPaymentCashier } from '@/features/orders/composables/useOrderPaymentCashier'
+import PayWaySelectDialog from '@/features/orders/components/PayWaySelectDialog.vue'
 
 const session = useSessionStore()
 const router = useRouter()
 const saving = ref(false)
+const qualityOwnerLoading = ref(false)
+const qualityOwnerOnlineLoading = ref(false)
+const qualityOwnerPayWayVisible = ref(false)
+const qualityOwnerStatus = ref<QualityOwnerStatus | null>(null)
 const uploadingAvatar = ref(false)
 const avatarFileInput = ref<HTMLInputElement | null>(null)
 const form = reactive({
@@ -36,6 +54,20 @@ const passwordForm = reactive({
   confirmPassword: '',
 })
 
+const qualityOwnerCashier = useOrderPaymentCashier({
+  notifySuccess: message => ElMessage.success(message),
+  notifyError: message => ElMessage.error(message),
+  notifyInfo: message => ElMessage.info(message),
+  notifyFallback: message => ElMessage.warning(message),
+  paidMessage: '保证金支付成功，优质号主已开通',
+  queryPayment: () => queryQualityOwnerPayment(),
+})
+const qualityOwnerPaymentVisible = qualityOwnerCashier.paymentPopupVisible
+const activeQualityOwnerPayment = qualityOwnerCashier.activePayment
+const qualityOwnerPaymentQRCodeURL = qualityOwnerCashier.paymentQRCodeURL
+const qualityOwnerQrGenerating = qualityOwnerCashier.qrGenerating
+const qualityOwnerCheckingPayment = qualityOwnerCashier.checkingPayment
+
 const displayName = computed(() => session.displayName)
 const maskedPhone = computed(() => {
   if (!session.phone) return '未绑定手机号'
@@ -56,8 +88,72 @@ onMounted(async () => {
     // 保留本地会话展示，避免资料页因网络短暂异常整页不可用。
   }
   resetForm()
+  void loadQualityOwnerStatus()
 })
 
+async function loadQualityOwnerStatus() {
+  try {
+    qualityOwnerStatus.value = await fetchQualityOwnerStatus()
+  } catch {
+    qualityOwnerStatus.value = null
+  }
+}
+
+async function handleActivateQualityOwner() {
+  const status = qualityOwnerStatus.value
+  if (!status || status.active) return
+  const deposit = formatCent(status.required_deposit_cent)
+  try {
+    await ElMessageBox.confirm(
+      `确认从可用余额中扣除 ¥${deposit} 作为优质号主保证金？保证金会冻结，取消优质号主资格时退回。`,
+      '开通优质号主',
+      {
+        type: 'warning',
+        confirmButtonText: '确认缴纳',
+        cancelButtonText: '取消',
+      }
+    )
+  } catch {
+    return
+  }
+  qualityOwnerLoading.value = true
+  try {
+    qualityOwnerStatus.value = await activateQualityOwner()
+    await session.loadMe()
+    ElMessage.success('优质号主已开通，可在发布时选择极品专区')
+  } catch (error) {
+    ElMessage.error(readError(error, '开通失败，请确认余额充足'))
+  } finally {
+    qualityOwnerLoading.value = false
+  }
+}
+
+function openQualityOwnerOnlinePayment() {
+  qualityOwnerPayWayVisible.value = true
+}
+
+async function chooseQualityOwnerPayWay(payWay: PaymentPayWay) {
+  qualityOwnerPayWayVisible.value = false
+  qualityOwnerOnlineLoading.value = true
+  try {
+    const payment = await startQualityOwnerPayment(payWay)
+    if (payment.paid) {
+      await handleQualityOwnerPaymentSucceeded()
+      return
+    }
+    await qualityOwnerCashier.openPaymentCashier(payment, handleQualityOwnerPaymentSucceeded)
+  } catch (error) {
+    ElMessage.error(readError(error, '发起在线支付失败'))
+  } finally {
+    qualityOwnerOnlineLoading.value = false
+  }
+}
+
+async function handleQualityOwnerPaymentSucceeded() {
+  qualityOwnerStatus.value = await fetchQualityOwnerStatus()
+  await session.loadMe()
+}
+
 function resetForm() {
   form.nickname = session.nickname || session.displayName
   form.avatar_url = session.avatarUrl || ''
@@ -153,14 +249,20 @@ async function savePassword() {
 
 <template>
   <section class="profile-page">
-    <div class="profile-hero">
+    <div class="profile-hero" :class="{ 'is-quality-owner': qualityOwnerStatus?.active }">
       <div class="hero-avatar">
         <img v-if="session.avatarUrl" :src="resolveAvatarURL(session.avatarUrl)" alt="" />
         <span v-else>{{ session.avatarText }}</span>
       </div>
       <div class="hero-copy">
         <span class="eyebrow">Profile</span>
-        <h1>个人资料</h1>
+        <div class="hero-title-row">
+          <h1>个人资料</h1>
+          <span v-if="qualityOwnerStatus?.active" class="hero-quality-chip">
+            <el-icon><Trophy /></el-icon>
+            优质号主
+          </span>
+        </div>
         <p>{{ displayName }} · {{ maskedPhone }}</p>
       </div>
       <button
@@ -176,6 +278,24 @@ async function savePassword() {
       </button>
     </div>
 
+    <section v-if="qualityOwnerStatus?.active" class="quality-owner-spotlight">
+      <div class="quality-owner-spotlight-mark">
+        <el-icon :size="25"><Trophy /></el-icon>
+      </div>
+      <div class="quality-owner-spotlight-copy">
+        <span>PREMIUM OWNER</span>
+        <strong>优质号主身份已点亮</strong>
+        <p>
+          你的账号将优先展示优质号主标识，并可发布至首页极品专区，享受更高曝光与 4% 保险专享费率。
+        </p>
+      </div>
+      <div class="quality-owner-spotlight-benefits">
+        <span>极致曝光</span>
+        <span>身份认证</span>
+        <span>专享费率</span>
+      </div>
+    </section>
+
     <div class="profile-layout">
       <section class="edit-panel">
         <div class="panel-head">
@@ -280,6 +400,104 @@ async function savePassword() {
       </aside>
     </div>
 
+    <section class="quality-owner-card" :class="{ 'is-active': qualityOwnerStatus?.active }">
+      <div class="quality-owner-heading">
+        <div>
+          <span class="card-kicker">Premium Owner</span>
+          <h2>优质号主</h2>
+          <p>
+            开通后可发布到极品专区；在极品专区购买无忧租号保险可享
+            {{ ((qualityOwnerStatus?.premium_insurance_fee_bps || 400) / 100).toFixed(1) }}%
+            专享费率。
+          </p>
+        </div>
+        <span class="quality-owner-status">
+          {{ qualityOwnerStatus?.active ? '已开通' : '未开通' }}
+        </span>
+      </div>
+      <div class="quality-owner-metrics">
+        <div>
+          <span>保证金</span>
+          <strong>¥{{ formatCent(qualityOwnerStatus?.required_deposit_cent || 20000) }}</strong>
+        </div>
+        <div>
+          <span>普通保险服务费</span>
+          <strong>{{ ((qualityOwnerStatus?.insurance_fee_bps || 800) / 100).toFixed(1) }}%</strong>
+        </div>
+        <div>
+          <span>极品专区保险服务费</span>
+          <strong
+            >{{
+              ((qualityOwnerStatus?.premium_insurance_fee_bps || 400) / 100).toFixed(1)
+            }}%</strong
+          >
+        </div>
+        <div>
+          <span>当前可用余额</span>
+          <strong>¥{{ formatCent(qualityOwnerStatus?.available_balance_cent || 0) }}</strong>
+        </div>
+      </div>
+      <div class="quality-owner-actions">
+        <span v-if="qualityOwnerStatus?.active">
+          <template v-if="qualityOwnerStatus.deposit_source === 'manual'">已由后台开通</template>
+          <template v-else>保证金已冻结</template>
+        </span>
+        <span v-else>保证金取消资格时原路退回余额。</span>
+        <div v-if="!qualityOwnerStatus?.active" class="quality-owner-action-buttons">
+          <el-button
+            type="primary"
+            :loading="qualityOwnerLoading"
+            :disabled="
+              (qualityOwnerStatus?.available_balance_cent || 0) <
+              (qualityOwnerStatus?.required_deposit_cent || 20000)
+            "
+            @click="handleActivateQualityOwner"
+          >
+            余额支付开通
+          </el-button>
+          <el-button :loading="qualityOwnerOnlineLoading" @click="openQualityOwnerOnlinePayment">
+            微信 / 支付宝支付开通
+          </el-button>
+        </div>
+      </div>
+    </section>
+
+    <PayWaySelectDialog v-model="qualityOwnerPayWayVisible" @choose="chooseQualityOwnerPayWay" />
+
+    <el-dialog
+      v-model="qualityOwnerPaymentVisible"
+      title="优质号主保证金支付"
+      width="460px"
+      append-to-body
+      class="quality-owner-pay-dialog"
+    >
+      <div v-if="activeQualityOwnerPayment" class="quality-owner-pay-dialog-body">
+        <div class="quality-owner-pay-amount">
+          <span>支付金额</span>
+          <strong>¥{{ formatCent(activeQualityOwnerPayment.amount_cent) }}</strong>
+        </div>
+        <div class="quality-owner-pay-qr">
+          <el-icon v-if="qualityOwnerQrGenerating" class="is-loading" :size="30">
+            <Loading />
+          </el-icon>
+          <img
+            v-else-if="qualityOwnerPaymentQRCodeURL"
+            :src="qualityOwnerPaymentQRCodeURL"
+            alt="保证金支付二维码"
+          />
+          <el-icon v-else :size="42"><Picture /></el-icon>
+        </div>
+        <p>请使用{{ activeQualityOwnerPayment.pay_way === 'WXZF' ? '微信' : '支付宝' }}扫码支付</p>
+        <el-button
+          type="primary"
+          :loading="qualityOwnerCheckingPayment"
+          @click="qualityOwnerCashier.refreshPaymentStatus(false)"
+        >
+          我已支付，刷新状态
+        </el-button>
+      </div>
+    </el-dialog>
+
     <el-dialog
       v-model="showPasswordDialog"
       title="修改密码"
@@ -345,6 +563,19 @@ async function savePassword() {
   box-shadow: 0 16px 36px rgba(23, 35, 61, 0.08);
 }
 
+.profile-hero.is-quality-owner {
+  border-color: #d8c9fb;
+  background:
+    radial-gradient(circle at 86% 0%, rgba(245, 158, 11, 0.15), transparent 34%),
+    linear-gradient(135deg, #f3edff 0%, #ffffff 58%, #fff8e8 100%);
+  box-shadow: 0 16px 42px rgba(109, 40, 217, 0.12);
+}
+
+.profile-hero.is-quality-owner .hero-avatar {
+  background: linear-gradient(135deg, #5b21b6 0%, #9333ea 62%, #f59e0b 100%);
+  box-shadow: 0 8px 20px rgba(109, 40, 217, 0.22);
+}
+
 .hero-avatar,
 .avatar-preview {
   display: grid;
@@ -389,6 +620,27 @@ async function savePassword() {
   line-height: 1.2;
 }
 
+.hero-title-row {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  flex-wrap: wrap;
+}
+
+.hero-quality-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 5px;
+  min-height: 26px;
+  padding: 0 10px;
+  border: 1px solid #d8b4fe;
+  border-radius: 999px;
+  background: #f5f3ff;
+  color: #6d28d9;
+  font-size: 12px;
+  font-weight: 900;
+}
+
 .hero-copy p {
   margin: 10px 0 0;
   color: #64748b;
@@ -433,6 +685,69 @@ async function savePassword() {
   color: #2563eb;
 }
 
+.quality-owner-spotlight {
+  display: grid;
+  grid-template-columns: auto minmax(0, 1fr) auto;
+  align-items: center;
+  gap: 16px;
+  margin-top: 18px;
+  padding: 17px 20px;
+  border: 1px solid #e1d7fa;
+  border-radius: 14px;
+  background: linear-gradient(110deg, #faf7ff 0%, #ffffff 62%, #fffaf0 100%);
+}
+
+.quality-owner-spotlight-mark {
+  display: grid;
+  width: 46px;
+  height: 46px;
+  place-items: center;
+  border-radius: 12px;
+  background: linear-gradient(135deg, #5b21b6 0%, #9333ea 65%, #f59e0b 100%);
+  color: #fff;
+}
+
+.quality-owner-spotlight-copy {
+  display: grid;
+  gap: 3px;
+}
+
+.quality-owner-spotlight-copy > span {
+  color: #7c3aed;
+  font-size: 10px;
+  font-weight: 900;
+  letter-spacing: 0.08em;
+}
+
+.quality-owner-spotlight-copy strong {
+  color: #2e1065;
+  font-size: 17px;
+  font-weight: 900;
+}
+
+.quality-owner-spotlight-copy p {
+  margin: 0;
+  color: #70677f;
+  font-size: 12px;
+  line-height: 1.55;
+}
+
+.quality-owner-spotlight-benefits {
+  display: flex;
+  gap: 7px;
+  flex-wrap: wrap;
+  justify-content: flex-end;
+}
+
+.quality-owner-spotlight-benefits span {
+  padding: 5px 9px;
+  border-radius: 999px;
+  background: #f5f3ff;
+  color: #6d28d9;
+  font-size: 11px;
+  font-weight: 800;
+}
+
 .profile-layout {
   display: grid;
   grid-template-columns: minmax(0, 1fr) 360px;
@@ -647,9 +962,178 @@ async function savePassword() {
   line-height: 1.6;
 }
 
+.quality-owner-card {
+  margin-top: 22px;
+  padding: 26px 28px;
+  border: 1px solid #e8e4f4;
+  border-radius: 16px;
+  background: linear-gradient(135deg, #faf8ff 0%, #ffffff 68%);
+  box-shadow: 0 10px 28px rgba(76, 29, 149, 0.06);
+}
+
+.quality-owner-card.is-active {
+  border-color: #c4b5fd;
+}
+
+.quality-owner-heading,
+.quality-owner-actions {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 18px;
+}
+
+.quality-owner-heading h2 {
+  margin: 6px 0 0;
+  color: #312e81;
+  font-size: 24px;
+}
+
+.quality-owner-heading p {
+  max-width: 680px;
+  margin: 8px 0 0;
+  color: #6b7280;
+  font-size: 13px;
+  font-weight: 700;
+  line-height: 1.7;
+}
+
+.quality-owner-status {
+  flex-shrink: 0;
+  padding: 6px 12px;
+  border-radius: 999px;
+  background: #f1f5f9;
+  color: #64748b;
+  font-size: 12px;
+  font-weight: 900;
+}
+
+.quality-owner-card.is-active .quality-owner-status {
+  background: #ede9fe;
+  color: #6d28d9;
+}
+
+.quality-owner-metrics {
+  display: grid;
+  grid-template-columns: repeat(4, minmax(0, 1fr));
+  gap: 10px;
+  margin-top: 20px;
+}
+
+.quality-owner-metrics div {
+  display: grid;
+  gap: 6px;
+  padding: 14px;
+  border: 1px solid #ede9fe;
+  border-radius: 10px;
+  background: rgba(255, 255, 255, 0.82);
+}
+
+.quality-owner-metrics span,
+.quality-owner-actions span {
+  color: #7b8492;
+  font-size: 12px;
+  font-weight: 700;
+}
+
+.quality-owner-metrics strong {
+  color: #312e81;
+  font-size: 18px;
+  font-weight: 900;
+}
+
+.quality-owner-actions {
+  margin-top: 16px;
+}
+
+.quality-owner-actions :deep(.el-button--primary) {
+  border: none;
+  background: #7c3aed;
+}
+
+.quality-owner-action-buttons {
+  display: flex;
+  gap: 10px;
+  flex-wrap: wrap;
+  justify-content: flex-end;
+}
+
+.quality-owner-action-buttons :deep(.el-button) {
+  margin-left: 0;
+}
+
+.quality-owner-pay-dialog-body {
+  display: grid;
+  gap: 14px;
+  justify-items: center;
+}
+
+.quality-owner-pay-amount {
+  display: flex;
+  align-items: baseline;
+  gap: 10px;
+  color: #64748b;
+  font-size: 14px;
+}
+
+.quality-owner-pay-amount strong {
+  color: #f97316;
+  font-size: 26px;
+}
+
+.quality-owner-pay-qr {
+  display: grid;
+  width: 228px;
+  height: 228px;
+  place-items: center;
+  border: 1px solid #e5e7eb;
+  border-radius: 12px;
+  background: #fff;
+}
+
+.quality-owner-pay-qr img {
+  width: 214px;
+  height: 214px;
+}
+
+.quality-owner-pay-dialog-body p {
+  margin: 0;
+  color: #475569;
+  font-size: 13px;
+}
+
 @media (max-width: 1100px) {
   .profile-layout {
     grid-template-columns: 1fr;
   }
+
+  .quality-owner-metrics {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+}
+
+@media (max-width: 640px) {
+  .quality-owner-heading,
+  .quality-owner-actions {
+    align-items: flex-start;
+    flex-direction: column;
+  }
+
+  .quality-owner-action-buttons {
+    justify-content: flex-start;
+  }
+
+  .quality-owner-metrics {
+    grid-template-columns: 1fr;
+  }
+
+  .quality-owner-spotlight {
+    grid-template-columns: auto minmax(0, 1fr);
+  }
+
+  .quality-owner-spotlight-benefits {
+    grid-column: 1 / -1;
+    justify-content: flex-start;
+  }
 }
 </style>

frontend/src/features/listings/api/listings.ts

@@ -10,6 +10,7 @@ export interface Listing {
   owner_id: number
   owner_phone?: string
   owner_nickname?: string
+  owner_is_quality_owner?: boolean
   source_channel?: string
   is_external_upload?: boolean
   title: string
@@ -33,6 +34,9 @@ export interface Listing {
   distribution_site_id?: number
   distribution_site_code?: string
   distribution_site_name?: string
+  is_premium: boolean
+  compensation_plan: 'normal' | 'insurance' | string
+  insurance_fee_bps: number
   listing_group_conversation_id?: number
   created_at: string
   updated_at: string
@@ -52,6 +56,8 @@ export interface ListingPayload {
   screenshot_urls: string[]
   price_cent: number
   deposit_amount_cent: number
+  is_premium: boolean
+  compensation_plan: 'normal' | 'insurance'
   agreed_virtual_asset_sale: boolean
   agreed_seller_agreement: boolean
 }

frontend/src/features/listings/components/HomeZones.vue

@@ -1,6 +1,6 @@
 <script setup lang="ts">
 import type { Component } from 'vue'
-import { Coin, Discount, Grid, Key, Moon, Present } from '@element-plus/icons-vue'
+import { Coin, Discount, Grid, Key, Moon, Present, Trophy } from '@element-plus/icons-vue'
 
 interface ZoneOption {
   key: string
@@ -27,6 +27,7 @@ const zoneIcons: Record<string, Component> = {
   night: Moon,
   password: Key,
   highCoin: Coin,
+  premium: Trophy,
 }
 
 function selectZone(key: string) {
@@ -41,7 +42,7 @@ function selectZone(key: string) {
       :key="zone.key"
       type="button"
       class="zone-pill-item"
-      :class="{ active: activeZone === zone.key }"
+      :class="{ active: activeZone === zone.key, 'is-premium': zone.key === 'premium' }"
       :title="zone.hint"
       @click="selectZone(zone.key)"
     >
@@ -89,6 +90,18 @@ function selectZone(key: string) {
   box-shadow: 0 2px 8px rgba(255, 106, 0, 0.25);
 }
 
+.zone-pill-item.is-premium:not(.active) {
+  border-color: #ddd6fe;
+  background: #faf7ff;
+  color: #6d28d9;
+}
+
+.zone-pill-item.is-premium.active {
+  border-color: #7c3aed;
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%);
+  box-shadow: 0 4px 14px rgba(109, 40, 217, 0.24);
+}
+
 .zone-pill-icon {
   font-size: 14px;
 }

frontend/src/features/listings/components/ListingCard.vue

@@ -99,7 +99,14 @@ function formatStatNumber(value: number) {
 </script>
 
 <template>
-  <RouterLink class="hfb-listing-card" :to="`/listings/${listing.id}`">
+  <RouterLink
+    class="hfb-listing-card"
+    :class="{
+      'is-quality-owner': listing.owner_is_quality_owner,
+      'is-premium': listing.is_premium,
+    }"
+    :to="`/listings/${listing.id}`"
+  >
     <!-- 左侧：4:3 黄金比例单张封面（后端公开缩略图，秒级加载） -->
     <div class="card-media">
       <img
@@ -114,6 +121,9 @@ function formatStatNumber(value: number) {
 
       <!-- 状态浮标 -->
       <div class="media-badges">
+        <span v-if="listing.owner_is_quality_owner" class="badge owner">优质号主</span>
+        <span v-if="listing.is_premium" class="badge premium">极品</span>
+        <span v-if="listing.compensation_plan === 'insurance'" class="badge insurance">保险</span>
         <span v-if="hasAcceleratedSaleRatio(listing)" class="badge sale">特惠</span>
         <span v-if="hasGiftResources(listing)" class="badge gift">有赠送</span>
       </div>
@@ -128,6 +138,10 @@ function formatStatNumber(value: number) {
       <div class="content-primary">
         <div class="header-row">
           <span class="code-badge">{{ listingCode }}</span>
+          <span v-if="listing.owner_is_quality_owner" class="owner-quality-badge">
+            <van-icon name="award-o" :size="13" />
+            <span>优质号主</span>
+          </span>
           <span v-for="tag in accessTags" :key="tag.label" class="platform-badge" :class="tag.tone">
             <van-icon :name="tag.icon" :size="13" />
             <span>{{ tag.label }}</span>
@@ -261,6 +275,7 @@ function formatStatNumber(value: number) {
 
 <style scoped>
 .hfb-listing-card {
+  position: relative;
   display: grid;
   grid-template-columns: 210px minmax(0, 1fr) 146px;
   gap: 18px;
@@ -279,6 +294,22 @@ function formatStatNumber(value: number) {
     transform 0.22s ease;
 }
 
+.hfb-listing-card.is-quality-owner {
+  border-color: #d8c9fb;
+  box-shadow: 0 8px 24px rgba(109, 40, 217, 0.08);
+}
+
+.hfb-listing-card.is-quality-owner::before,
+.hfb-listing-card.is-premium::before {
+  content: '';
+  position: absolute;
+  top: 0;
+  right: 0;
+  left: 0;
+  height: 3px;
+  background: linear-gradient(90deg, #7c3aed 0%, #a855f7 50%, #f59e0b 100%);
+}
+
 .hfb-listing-card:hover {
   border-color: #ff8533;
   box-shadow: 0 12px 30px rgba(255, 106, 0, 0.12);
@@ -346,6 +377,18 @@ function formatStatNumber(value: number) {
   background: linear-gradient(135deg, #10b981 0%, #059669 100%);
 }
 
+.badge.owner {
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%);
+}
+
+.badge.premium {
+  background: linear-gradient(135deg, #7c3aed 0%, #5b21b6 100%);
+}
+
+.badge.insurance {
+  background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
+}
+
 .media-ratio {
   position: absolute;
   bottom: 0;
@@ -465,6 +508,19 @@ function formatStatNumber(value: number) {
   color: #4f46e5;
 }
 
+.owner-quality-badge {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 2px 8px;
+  border: 1px solid #ddd6fe;
+  border-radius: 6px;
+  background: #f5f3ff;
+  color: #6d28d9;
+  font-size: 12px;
+  font-weight: 800;
+}
+
 .aux-badge {
   display: inline-flex;
   align-items: center;

frontend/src/features/listings/views/HomeView.vue

@@ -15,6 +15,7 @@ import {
   type HomeBannerSlide,
 } from '@/features/listings/api/homeConfig'
 import { ElMessage } from 'element-plus'
+import { ArrowRight, Trophy } from '@element-plus/icons-vue'
 import AnnouncementPopup from '@/features/announcement/components/AnnouncementPopup.vue'
 import AuthImage from '@/shared/components/business/AuthImage.vue'
 import {
@@ -206,6 +207,11 @@ watch(
 )
 
 const statCards = computed(() => [
+  {
+    label: '优质号主精选',
+    value: `${zoneCount('premium')}`,
+    hint: '认证优质号主 · 极品专区',
+  },
   { label: '可租账号', value: `${totalListings.value}`, hint: '当前筛选结果' },
   {
     label: '高哈夫币',
@@ -226,6 +232,12 @@ const zoneOptions = computed(() => [
     hint: '当前可租账号',
     count: zoneCount('all'),
   },
+  {
+    key: 'premium',
+    label: '极品专区',
+    hint: '优质号主精选',
+    count: zoneCount('premium'),
+  },
   {
     key: 'sale',
     label: '特惠专区',
@@ -640,6 +652,25 @@ if (!restored) {
         <el-empty v-else description="暂无展示图片" />
       </el-dialog>
 
+      <section class="premium-spotlight" aria-label="优质号主精选">
+        <div class="premium-spotlight-mark">
+          <el-icon :size="24"><Trophy /></el-icon>
+        </div>
+        <div class="premium-spotlight-copy">
+          <span>QUALITY OWNER SELECTION</span>
+          <strong>优质号主严选 · 极品专区</strong>
+          <p>仅认证优质号主可发布，尊享更严格的服务标准与无忧租号保险 4% 专享费率。</p>
+        </div>
+        <div class="premium-spotlight-count">
+          <strong>{{ zoneCount('premium') }}</strong>
+          <span>个精选账号</span>
+        </div>
+        <button type="button" @click="activeZone = 'premium'">
+          进入极品专区
+          <el-icon><ArrowRight /></el-icon>
+        </button>
+      </section>
+
       <HomeFilters
         :filters="filters"
         :total-listings="totalListings"
@@ -714,6 +745,95 @@ if (!restored) {
   min-width: 0;
 }
 
+.premium-spotlight {
+  display: grid;
+  grid-template-columns: auto minmax(0, 1fr) auto auto;
+  align-items: center;
+  gap: 18px;
+  min-height: 92px;
+  padding: 16px 20px;
+  border: 1px solid #ded3fb;
+  border-radius: 14px;
+  background:
+    radial-gradient(circle at 82% 0%, rgba(245, 158, 11, 0.13), transparent 32%),
+    linear-gradient(115deg, #f7f3ff 0%, #ffffff 62%, #fffaf0 100%);
+  box-shadow: 0 8px 24px rgba(109, 40, 217, 0.07);
+}
+
+.premium-spotlight-mark {
+  display: grid;
+  width: 48px;
+  height: 48px;
+  place-items: center;
+  border-radius: 13px;
+  background: linear-gradient(135deg, #5b21b6 0%, #9333ea 62%, #f59e0b 100%);
+  color: #fff;
+  box-shadow: 0 8px 18px rgba(109, 40, 217, 0.24);
+}
+
+.premium-spotlight-copy {
+  display: grid;
+  gap: 3px;
+  min-width: 0;
+}
+
+.premium-spotlight-copy > span {
+  color: #7c3aed;
+  font-size: 10px;
+  font-weight: 900;
+  letter-spacing: 0.08em;
+}
+
+.premium-spotlight-copy strong {
+  color: #2e1065;
+  font-size: 18px;
+  font-weight: 900;
+}
+
+.premium-spotlight-copy p {
+  margin: 0;
+  color: #70677f;
+  font-size: 12px;
+  line-height: 1.5;
+}
+
+.premium-spotlight-count {
+  display: grid;
+  justify-items: end;
+  padding-right: 6px;
+}
+
+.premium-spotlight-count strong {
+  color: #6d28d9;
+  font-size: 24px;
+  line-height: 1;
+}
+
+.premium-spotlight-count span {
+  margin-top: 4px;
+  color: #8b8299;
+  font-size: 11px;
+}
+
+.premium-spotlight > button {
+  display: inline-flex;
+  align-items: center;
+  gap: 5px;
+  min-height: 36px;
+  padding: 0 15px;
+  border: none;
+  border-radius: 9px;
+  background: #6d28d9;
+  color: #fff;
+  font-size: 13px;
+  font-weight: 800;
+  cursor: pointer;
+}
+
+.premium-spotlight > button:hover {
+  background: #5b21b6;
+}
+
 .hero-section {
   display: grid;
   grid-template-columns: minmax(0, 1fr) 320px;
@@ -888,12 +1008,35 @@ if (!restored) {
     min-height: 76px;
     padding: 14px 40px 14px 16px;
   }
+
+  .premium-spotlight {
+    grid-template-columns: auto minmax(0, 1fr) auto;
+  }
+
+  .premium-spotlight > button {
+    grid-column: 2 / -1;
+    justify-self: start;
+  }
 }
 
 @media (max-width: 680px) {
   .biz-entry-rail {
     grid-template-columns: repeat(2, minmax(0, 1fr));
   }
+
+  .premium-spotlight {
+    grid-template-columns: auto minmax(0, 1fr);
+  }
+
+  .premium-spotlight-count {
+    display: none;
+  }
+
+  .premium-spotlight > button {
+    grid-column: 1 / -1;
+    width: 100%;
+    justify-content: center;
+  }
 }
 
 .infinite-load-state {

frontend/src/features/listings/views/ListingDetailView.css

@@ -207,6 +207,16 @@
   color: #7c3aed;
 }
 
+.platform-pill.premium {
+  background: #f5f3ff;
+  color: #6d28d9;
+}
+
+.platform-pill.insurance {
+  background: #eff6ff;
+  color: #1d4ed8;
+}
+
 .status-pill {
   display: inline-flex;
   align-items: center;

frontend/src/features/listings/views/ListingDetailView.vue

@@ -462,6 +462,19 @@ function goBack() {
                 <span>{{ listing.rank_level }}</span>
               </span>
 
+              <span v-if="listing.is_premium" class="platform-pill premium">
+                <van-icon name="award-o" :size="13" />
+                <span>极品专区</span>
+              </span>
+
+              <span
+                v-if="listing.compensation_plan === 'insurance'"
+                class="platform-pill insurance"
+              >
+                <van-icon name="shield-o" :size="13" />
+                <span>无忧租号保险</span>
+              </span>
+
               <span class="status-pill" :class="{ 'is-busy': listing.in_transaction }">
                 <i class="status-dot" />
                 <span>{{ listing.in_transaction ? '交易中' : '现号可租' }}</span>

frontend/src/features/listings/views/MobileHomeView.css

@@ -564,6 +564,78 @@
   scrollbar-width: none;
 }
 
+.mobile-premium-spotlight {
+  display: grid;
+  grid-template-columns: auto minmax(0, 1fr) auto auto;
+  align-items: center;
+  gap: 9px;
+  width: 100%;
+  min-height: 68px;
+  margin: 2px 0 9px;
+  padding: 10px 12px;
+  border: 1px solid #ddd0fb;
+  border-radius: 12px;
+  background:
+    radial-gradient(circle at 88% 0%, rgba(245, 158, 11, 0.16), transparent 34%),
+    linear-gradient(115deg, #f7f2ff 0%, #fff 68%, #fffaf0 100%);
+  color: #6d28d9;
+  text-align: left;
+}
+
+.premium-spotlight-icon {
+  display: grid;
+  width: 38px;
+  height: 38px;
+  place-items: center;
+  border-radius: 10px;
+  background: linear-gradient(135deg, #5b21b6 0%, #9333ea 65%, #f59e0b 100%);
+  color: #fff;
+}
+
+.premium-spotlight-copy {
+  display: grid;
+  gap: 1px;
+  min-width: 0;
+}
+
+.premium-spotlight-copy small {
+  color: #8b5cf6;
+  font-size: 8px;
+  font-weight: 900;
+  letter-spacing: 0.08em;
+}
+
+.premium-spotlight-copy strong {
+  overflow: hidden;
+  color: #2e1065;
+  font-size: 13px;
+  font-weight: 900;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.premium-spotlight-copy em {
+  overflow: hidden;
+  color: #7b7188;
+  font-size: 9px;
+  font-style: normal;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+
+.premium-spotlight-count {
+  display: grid;
+  min-width: 27px;
+  height: 27px;
+  place-items: center;
+  padding: 0 7px;
+  border-radius: 999px;
+  background: #6d28d9;
+  color: #fff;
+  font-size: 11px;
+  font-weight: 900;
+}
+
 .zone-strip::-webkit-scrollbar {
   display: none;
 }
@@ -618,6 +690,23 @@
   color: #fff;
 }
 
+.zone-pill.is-premium:not(.active) {
+  border-color: #ddd6fe;
+  background: #faf7ff;
+  color: #6d28d9;
+}
+
+.zone-pill.is-premium:not(.active) span {
+  background: #ede9fe;
+  color: #6d28d9;
+}
+
+.zone-pill.is-premium.active {
+  border-color: #7c3aed;
+  background: #6d28d9;
+  color: #fff;
+}
+
 .zone-pill:active {
   transform: translateY(1px);
 }
@@ -910,6 +999,18 @@
   background: linear-gradient(135deg, #10b981 0%, #059669 100%);
 }
 
+.media-badges .badge.owner {
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%);
+}
+
+.media-badges .badge.premium {
+  background: linear-gradient(135deg, #7c3aed 0%, #5b21b6 100%);
+}
+
+.media-badges .badge.insurance {
+  background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
+}
+
 .media-ratio {
   position: absolute;
   bottom: 0;

frontend/src/features/listings/views/MobileHomeView.vue

@@ -169,6 +169,7 @@ const sortOptions: MobileSortOption[] = [
 
 const zoneOptions = [
   { key: 'all', label: '全部', hint: '当前可租' },
+  { key: 'premium', label: '极品', hint: '优质号主精选' },
   { key: 'sale', label: '特惠', hint: '价格更划算' },
   { key: 'gift', label: '赠送', hint: '含赠送物品' },
   { key: 'night', label: '夜间', hint: '0-2点可响应上号' },
@@ -1006,13 +1007,31 @@ if (!restoreHomeConfigFromCache()) {
             </button>
           </div>
 
+          <button
+            type="button"
+            class="mobile-premium-spotlight"
+            aria-label="进入优质号主极品专区"
+            @click="selectZone('premium')"
+          >
+            <span class="premium-spotlight-icon">
+              <van-icon name="award-o" :size="22" />
+            </span>
+            <span class="premium-spotlight-copy">
+              <small>QUALITY OWNER</small>
+              <strong>优质号主严选 · 极品专区</strong>
+              <em>认证发布 · 4% 保险专享费率</em>
+            </span>
+            <span class="premium-spotlight-count">{{ zoneCount('premium') }}</span>
+            <van-icon name="arrow" :size="13" />
+          </button>
+
           <div class="zone-strip" aria-label="账号专区">
             <button
               v-for="zone in visibleZoneOptions"
               :key="zone.key"
               type="button"
               class="zone-pill"
-              :class="{ active: activeZone === zone.key }"
+              :class="{ active: activeZone === zone.key, 'is-premium': zone.key === 'premium' }"
               @click="selectZone(zone.key)"
             >
               <strong>{{ zone.label }}</strong>
@@ -1122,9 +1141,20 @@ if (!restoreHomeConfigFromCache()) {
                   <div v-else class="media-empty">HFB</div>
 
                   <div
-                    v-if="hasGiftResources(item) || hasAcceleratedSaleRatio(item)"
+                    v-if="
+                      hasGiftResources(item) ||
+                      hasAcceleratedSaleRatio(item) ||
+                      item.owner_is_quality_owner ||
+                      item.is_premium ||
+                      item.compensation_plan === 'insurance'
+                    "
                     class="media-badges"
                   >
+                    <span v-if="item.owner_is_quality_owner" class="badge owner">优质号主</span>
+                    <span v-if="item.is_premium" class="badge premium">极品</span>
+                    <span v-if="item.compensation_plan === 'insurance'" class="badge insurance"
+                      >保险</span
+                    >
                     <span v-if="hasAcceleratedSaleRatio(item)" class="badge sale">特惠</span>
                     <span v-if="hasGiftResources(item)" class="badge gift">有赠送</span>
                   </div>

frontend/src/features/listings/views/MobileListingDetailView.css

@@ -195,6 +195,16 @@
   color: #7c3aed;
 }
 
+.platform-pill.premium {
+  background: #f5f3ff;
+  color: #6d28d9;
+}
+
+.platform-pill.insurance {
+  background: #eff6ff;
+  color: #1d4ed8;
+}
+
 .status-pill {
   display: inline-flex;
   align-items: center;

frontend/src/features/listings/views/MobileListingDetailView.vue

@@ -444,6 +444,14 @@ function goBack() {
               <van-icon name="diamond-o" :size="12" />
               <span>{{ listing.rank_level }}</span>
             </span>
+            <span v-if="listing.is_premium" class="platform-pill premium">
+              <van-icon name="award-o" :size="12" />
+              <span>极品专区</span>
+            </span>
+            <span v-if="listing.compensation_plan === 'insurance'" class="platform-pill insurance">
+              <van-icon name="shield-o" :size="12" />
+              <span>无忧保险</span>
+            </span>
             <span class="status-pill" :class="{ 'is-busy': listing.in_transaction }">
               <i class="status-dot" />
               <span>{{ listing.in_transaction ? '交易中' : '现号可租' }}</span>

frontend/src/features/orders/api/orders.ts

@@ -50,6 +50,10 @@ export interface Order {
   account_snapshot?: Record<string, unknown>
   account_source?: 'internal' | 'external' | string
   source_channel?: string
+  is_premium?: boolean
+  compensation_plan?: 'normal' | 'insurance' | string
+  insurance_fee_bps?: number
+  insurance_fee_cent?: number
   listing_snapshot?: string
   checkout_info?: string
   counter_info?: string
@@ -174,6 +178,8 @@ export interface Checkout {
   rent_amount_cent?: number
   owner_rent_amount_cent?: number
   platform_fee_cent?: number
+  insurance_fee_bps?: number
+  insurance_fee_cent?: number
   deposit_amount_cent: number
   pure_coin_amount_cent: number
   pure_coin_discount_cent: number
@@ -234,12 +240,14 @@ export interface PaymentOrder {
   payment_no: string
   order_id: number
   order_no: string
+  biz_id?: number
   provider: string
   third_order_id: string
   provider_order_id: string
   pay_way: string
   jspay_flag: string
   amount_cent: number
+  biz_type?: string
   status: string
   td_code?: string
   jspay_url?: string

frontend/src/features/orders/components/OrderCheckoutSummary.vue

@@ -91,6 +91,13 @@ const checkoutContent = computed(() => splitCheckoutContent(props.order.checkout
         :value="`¥${money(amountYuan(checkout.renter_refund_amount_cent))}`"
         value-class="green-text"
       />
+      <van-cell
+        v-if="props.isOwner && Number(checkout.insurance_fee_cent || 0) > 0"
+        title="无忧租号保险服务费"
+        :label="`费率 ${(Number(checkout.insurance_fee_bps || 0) / 100).toFixed(1)}%`"
+        :value="`-¥${money(amountYuan(checkout.insurance_fee_cent))}`"
+        value-class="red-text"
+      />
       <van-cell
         v-if="props.isOwner"
         title="号主最终收入"
@@ -186,6 +193,15 @@ const checkoutContent = computed(() => splitCheckoutContent(props.order.checkout
         <span>退还租客（未使用租金 + 剩余押金）</span>
         <strong class="amount">¥{{ money(amountYuan(checkout.renter_refund_amount_cent)) }}</strong>
       </div>
+      <div
+        v-if="props.isOwner && Number(checkout.insurance_fee_cent || 0) > 0"
+        class="summary-row highlight"
+      >
+        <span>
+          无忧租号保险服务费（{{ (Number(checkout.insurance_fee_bps || 0) / 100).toFixed(1) }}%）
+        </span>
+        <strong class="warning">-¥{{ money(amountYuan(checkout.insurance_fee_cent)) }}</strong>
+      </div>
       <div v-if="props.isOwner" class="summary-row highlight">
         <span>号主最终收入（租金 + 押金赔付）</span>
         <strong class="amount">¥{{ money(amountYuan(checkout.owner_income_amount_cent)) }}</strong>

frontend/src/features/orders/composables/useCheckoutSimulator.ts

@@ -7,6 +7,7 @@ export interface OwnerSimulation {
   role: 'owner'
   totalIncomeYuan: number
   rentIncomeYuan: number
+  insuranceFeeYuan: number
   damageCompensationYuan: number
   lossCompensationYuan: number
   shortfallYuan: number
@@ -99,7 +100,14 @@ export function useCheckoutSimulator(options: {
         ownerConsumableYuan = consumableYuan
       }
 
-      const ownerRentIncomeYuan = roundMoney(ownerCoinYuan + ownerConsumableYuan)
+      const grossOwnerRentIncomeYuan = roundMoney(ownerCoinYuan + ownerConsumableYuan)
+      const insuranceFeeYuan = roundMoney(
+        (grossOwnerRentIncomeYuan * Number(o.insurance_fee_bps || 0)) / 10000
+      )
+      const ownerRentIncomeYuan = Math.max(
+        roundMoney(grossOwnerRentIncomeYuan - insuranceFeeYuan),
+        0
+      )
 
       // 押金赔付覆盖与差额
       const damageCoveredYuan = Math.min(depositDeductYuan, depositYuan)
@@ -110,6 +118,7 @@ export function useCheckoutSimulator(options: {
         role: 'owner',
         totalIncomeYuan,
         rentIncomeYuan: ownerRentIncomeYuan,
+        insuranceFeeYuan,
         damageCompensationYuan: damageCoveredYuan,
         lossCompensationYuan: ownerConsumableYuan,
         shortfallYuan,

frontend/src/features/quality-owner/api/qualityOwner.ts

@@ -0,0 +1,38 @@
+import { apiClient } from '@/shared/api/client'
+import type { ApiResponse } from '@/shared/types/types'
+import type { PaymentOrder, PaymentPayWay } from '@/features/orders/api/orders'
+
+export interface QualityOwnerStatus {
+  user_id: number
+  active: boolean
+  status: 'none' | 'active' | string
+  deposit_amount_cent: number
+  deposit_source: 'paid' | 'manual' | '' | string
+  activated_at?: string
+  available_balance_cent: number
+  required_deposit_cent: number
+  insurance_fee_bps: number
+  premium_insurance_fee_bps: number
+}
+
+export async function fetchQualityOwnerStatus() {
+  const { data } = await apiClient.get<ApiResponse<QualityOwnerStatus>>('/quality-owner/status')
+  return data.data
+}
+
+export async function activateQualityOwner() {
+  const { data } = await apiClient.post<ApiResponse<QualityOwnerStatus>>('/quality-owner/activate')
+  return data.data
+}
+
+export async function startQualityOwnerPayment(payWay: PaymentPayWay) {
+  const { data } = await apiClient.post<ApiResponse<PaymentOrder>>('/quality-owner/payment', {
+    pay_way: payWay,
+  })
+  return data.data
+}
+
+export async function queryQualityOwnerPayment() {
+  const { data } = await apiClient.get<ApiResponse<PaymentOrder>>('/quality-owner/payment')
+  return data.data
+}

frontend/src/features/seller/composables/usePublishDraft.ts

@@ -25,6 +25,8 @@ export function defaultPublishForm(): PublishForm {
     ban_record: '',
     common_regions: [],
     depositAmountYuan: '',
+    is_premium: false,
+    compensation_plan: 'normal',
     remark: '',
   }
 }
@@ -101,6 +103,8 @@ function normalizeDraftForm(value: unknown): PublishForm {
   if (next.haf_coin_amount === 0) next.haf_coin_amount = ''
   if (String(next.secret_kd).trim() === '0') next.secret_kd = ''
   if (next.fire_level === 0) next.fire_level = ''
+  next.is_premium = next.is_premium === true
+  if (next.compensation_plan !== 'insurance') next.compensation_plan = 'normal'
   return next
 }
 

frontend/src/features/seller/composables/usePublishForm.ts

@@ -22,6 +22,10 @@ import {
   updateListing,
   type Listing,
 } from '@/features/listings/api/listings'
+import {
+  fetchQualityOwnerStatus,
+  type QualityOwnerStatus,
+} from '@/features/quality-owner/api/qualityOwner'
 import { usePricingCalculator } from '@/shared/composables/usePricingCalculator'
 import {
   buildPublishDraft,
@@ -66,6 +70,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
   const publishOptions = ref<ListingPublishOptions>(emptyListingPublishOptions)
   const salePriceConfig = ref<PublishSalePriceConfig>(emptyListingSalePriceConfig)
   const publishAgreements = ref<ListingPublishAgreements>(emptyListingPublishAgreements)
+  const qualityOwnerStatus = ref<QualityOwnerStatus | null>(null)
   const virtualAssetSaleAgreementChecked = ref(false)
   const sellerAgreementChecked = ref(false)
   const passwordAndDeviceConfirmed = ref(false)
@@ -86,6 +91,13 @@ export function usePublishForm(options: UsePublishFormOptions) {
   const showBanRecordRiskHint = false
   const unlockDemulanEnabled = computed(() => publishOptions.value.unlock_demulan_enabled)
   const nextSeasonPassEnabled = computed(() => publishOptions.value.next_season_pass_enabled)
+  const isQualityOwner = computed(() => qualityOwnerStatus.value?.active === true)
+  const insuranceFeeBps = computed(() =>
+    form.is_premium && isQualityOwner.value
+      ? Number(qualityOwnerStatus.value?.premium_insurance_fee_bps || 400)
+      : Number(qualityOwnerStatus.value?.insurance_fee_bps || 800)
+  )
+  const insuranceFeePercent = computed(() => insuranceFeeBps.value / 100)
 
   const pricing = usePricingCalculator({
     form,
@@ -184,14 +196,17 @@ export function usePublishForm(options: UsePublishFormOptions) {
 
   async function loadPublishOptions() {
     try {
-      const [nextPublishOptions, nextSalePriceConfig, nextPublishAgreements] = await Promise.all([
+      const [nextPublishOptions, nextSalePriceConfig, nextPublishAgreements, nextQualityOwner] =
-        fetchListingPublishOptions(),
+        await Promise.all([
-        fetchListingSalePriceConfig(),
+          fetchListingPublishOptions(),
-        fetchListingPublishAgreements(),
+          fetchListingSalePriceConfig(),
-      ])
+          fetchListingPublishAgreements(),
+          fetchQualityOwnerStatus().catch(() => null),
+        ])
       publishOptions.value = nextPublishOptions
       salePriceConfig.value = nextSalePriceConfig
       publishAgreements.value = nextPublishAgreements
+      qualityOwnerStatus.value = nextQualityOwner
 
       // 默认数字都是0
       for (const item of nextPublishOptions.quantity_items) {
@@ -203,6 +218,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
       publishOptions.value = emptyListingPublishOptions
       salePriceConfig.value = emptyListingSalePriceConfig
       publishAgreements.value = emptyListingPublishAgreements
+      qualityOwnerStatus.value = null
     }
   }
 
@@ -326,6 +342,8 @@ export function usePublishForm(options: UsePublishFormOptions) {
       ban_record: stringValue(summary.ban_record),
       common_regions: stringArray(summary.common_regions),
       depositAmountYuan: listing.deposit_amount_cent > 0 ? listing.deposit_amount_cent / 100 : '',
+      is_premium: listing.is_premium === true,
+      compensation_plan: listing.compensation_plan === 'insurance' ? 'insurance' : 'normal',
       remark: listing.description || stringValue(summary.remark),
     })
 
@@ -662,6 +680,8 @@ export function usePublishForm(options: UsePublishFormOptions) {
         screenshot_urls: pricing.screenshotUrls.value,
         price_cent: yuanToCent(pricing.calculatedFinalPrice.value),
         deposit_amount_cent: yuanToCent(Number(form.depositAmountYuan)),
+        is_premium: form.is_premium,
+        compensation_plan: form.compensation_plan,
         agreed_virtual_asset_sale: virtualAssetSaleAgreementChecked.value,
         agreed_seller_agreement: sellerAgreementChecked.value,
       }
@@ -758,6 +778,7 @@ export function usePublishForm(options: UsePublishFormOptions) {
     if (!pricing.calculatedFinalPrice.value) return '请完善币数、保险、体力和负重后再发布'
     if (!Number.isFinite(pricing.calculatedFinalPrice.value))
       return '发布价格计算异常，请检查填写内容'
+    if (form.is_premium && !isQualityOwner.value) return '仅优质号主可以发布到极品专区'
     if (!virtualAssetSaleAgreementChecked.value || !sellerAgreementChecked.value) {
       return '请先阅读并勾选两份发布协议'
     }
@@ -932,6 +953,10 @@ export function usePublishForm(options: UsePublishFormOptions) {
     loading,
     uploading,
     publishAgreements,
+    qualityOwnerStatus,
+    isQualityOwner,
+    insuranceFeeBps,
+    insuranceFeePercent,
     virtualAssetSaleAgreementChecked,
     sellerAgreementChecked,
     passwordAndDeviceConfirmed,

frontend/src/features/seller/views/MobileSellerListingCreateView.css

@@ -870,6 +870,100 @@
   line-height: 1.5;
 }
 
+.premium-coverage-card {
+  display: grid;
+  gap: 12px;
+  margin: 4px 0 12px;
+  padding: 14px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #f8fafc;
+}
+
+.premium-zone-row,
+.coverage-heading {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.premium-zone-row strong,
+.coverage-heading strong {
+  display: block;
+  color: #20242a;
+  font-size: 14px;
+  font-weight: 800;
+}
+
+.premium-zone-row span,
+.coverage-heading span {
+  display: block;
+  margin-top: 3px;
+  color: #858c96;
+  font-size: 11px;
+  line-height: 1.45;
+}
+
+.quality-owner-link {
+  justify-self: start;
+  padding: 0;
+  border: none;
+  background: transparent;
+  color: #7c3aed;
+  font-size: 12px;
+  font-weight: 800;
+}
+
+.coverage-option-grid {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 8px;
+}
+
+.coverage-option {
+  display: grid;
+  align-content: start;
+  gap: 5px;
+  min-height: 82px;
+  padding: 11px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #fff;
+  color: #20242a;
+  text-align: left;
+}
+
+.coverage-option strong {
+  font-size: 13px;
+  font-weight: 800;
+}
+
+.coverage-option span {
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.45;
+}
+
+.coverage-option em {
+  color: #7c3aed;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 800;
+}
+
+.coverage-option.active {
+  border-color: #7c3aed;
+  background: #faf5ff;
+}
+
+.coverage-note {
+  margin: 0;
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.55;
+}
+
 .publish-agreement-card {
   display: grid;
   gap: 10px;

frontend/src/features/seller/views/MobileSellerListingCreateView.vue

@@ -26,6 +26,9 @@ const {
   sellerAgreementChecked,
   passwordAndDeviceConfirmed,
   canPublishAfterAgreements,
+  isQualityOwner,
+  qualityOwnerStatus,
+  insuranceFeePercent,
   showBanRecordRiskHint,
   unlockDemulanEnabled,
   nextSeasonPassEnabled,
@@ -821,6 +824,61 @@ const screenshotGuides: Record<string, string> = {
         </div>
         <p class="price-breakdown-hint">卖家价格 = 纯币基础价 + 额外消耗品。</p>
 
+        <div class="premium-coverage-card">
+          <div class="premium-zone-row">
+            <div>
+              <strong>极品专区</strong>
+              <span>
+                {{
+                  isQualityOwner
+                    ? '优质号主专享曝光专区'
+                    : `保证金 ¥${formatMoney(
+                        (qualityOwnerStatus?.required_deposit_cent || 20000) / 100
+                      )}`
+                }}
+              </span>
+            </div>
+            <van-switch v-model="form.is_premium" :disabled="!isQualityOwner" size="22px" />
+          </div>
+          <button
+            v-if="!isQualityOwner"
+            type="button"
+            class="quality-owner-link"
+            @click="router.push('/m/profile')"
+          >
+            前往个人中心开通优质号主
+          </button>
+
+          <div class="coverage-heading">
+            <strong>选择赔付方案</strong>
+            <span>服务费按实际到手租金结算扣除</span>
+          </div>
+          <div class="coverage-option-grid">
+            <button
+              type="button"
+              class="coverage-option"
+              :class="{ active: form.compensation_plan === 'normal' }"
+              @click="form.compensation_plan = 'normal'"
+            >
+              <strong>普通赔付</strong>
+              <span>租金 + 押金规则赔付</span>
+            </button>
+            <button
+              type="button"
+              class="coverage-option"
+              :class="{ active: form.compensation_plan === 'insurance' }"
+              @click="form.compensation_plan = 'insurance'"
+            >
+              <strong>无忧租号保险</strong>
+              <span>服务费 {{ insuranceFeePercent.toFixed(1) }}%</span>
+              <em v-if="isQualityOwner && form.is_premium">极品专享费率</em>
+            </button>
+          </div>
+          <p class="coverage-note">
+            无忧租号保险在普通赔付基础上额外保障账号市场价值；选择后按号主实际到手租金扣除服务费。
+          </p>
+        </div>
+
         <van-field
           v-model="form.remark"
           label="备注"

frontend/src/features/seller/views/SellerListingCreateView.css

@@ -1012,6 +1012,108 @@
   background-color: var(--color-orange-dark);
 }
 
+.premium-coverage-panel {
+  display: grid;
+  gap: 14px;
+  margin-top: 18px;
+  padding: 18px;
+  border: 1px solid #e5e7eb;
+  border-radius: 10px;
+  background: #f8fafc;
+}
+
+.premium-zone-row,
+.coverage-heading {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+}
+
+.premium-zone-row > div,
+.coverage-heading {
+  min-width: 0;
+}
+
+.premium-zone-row strong,
+.coverage-heading strong {
+  display: block;
+  color: #1f2937;
+  font-size: 15px;
+  font-weight: 900;
+}
+
+.premium-zone-row span,
+.coverage-heading span {
+  color: #7b8492;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.5;
+}
+
+.quality-owner-link {
+  justify-self: start;
+  padding: 0;
+  border: none;
+  background: transparent;
+  color: #7c3aed;
+  font-size: 12px;
+  font-weight: 800;
+  cursor: pointer;
+}
+
+.coverage-option-grid {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 12px;
+}
+
+.coverage-option {
+  display: grid;
+  gap: 6px;
+  min-height: 92px;
+  padding: 16px 18px;
+  border: 1px solid #e5e7eb;
+  border-radius: 9px;
+  background: #fff;
+  color: #1f2937;
+  text-align: left;
+  cursor: pointer;
+}
+
+.coverage-option strong {
+  font-size: 16px;
+  font-weight: 900;
+}
+
+.coverage-option span {
+  color: #6b7280;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.5;
+}
+
+.coverage-option em {
+  color: #7c3aed;
+  font-size: 11px;
+  font-style: normal;
+  font-weight: 800;
+}
+
+.coverage-option.active {
+  border-color: #7c3aed;
+  background: #faf5ff;
+  box-shadow: 0 0 0 1px rgba(124, 58, 237, 0.08);
+}
+
+.coverage-note {
+  margin: 0;
+  color: #7b8492;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.7;
+}
+
 @media (max-width: 1120px) {
   .publish-layout {
     grid-template-columns: 1fr;
@@ -1094,4 +1196,8 @@
   .region-grid {
     grid-template-columns: repeat(4, minmax(0, 1fr));
   }
+
+  .coverage-option-grid {
+    grid-template-columns: 1fr;
+  }
 }

frontend/src/features/seller/views/SellerListingCreateView.vue

@@ -22,7 +22,11 @@ const {
   formatNumber,
   loading,
   uploading,
+  router,
   publishAgreements,
+  isQualityOwner,
+  qualityOwnerStatus,
+  insuranceFeePercent,
   virtualAssetSaleAgreementChecked,
   sellerAgreementChecked,
   passwordAndDeviceConfirmed,
@@ -653,6 +657,65 @@ function selectDailyLoss(value: string | number) {
             </div>
           </div>
 
+          <div class="premium-coverage-panel">
+            <div class="premium-zone-row">
+              <div>
+                <strong>极品专区</strong>
+                <span>
+                  {{
+                    isQualityOwner
+                      ? '优质号主专享曝光专区'
+                      : `缴纳 ¥${formatMoney(
+                          (qualityOwnerStatus?.required_deposit_cent || 20000) / 100
+                        )} 保证金后可开通优质号主`
+                  }}
+                </span>
+              </div>
+              <el-switch
+                v-model="form.is_premium"
+                :disabled="!isQualityOwner"
+                active-text="发布到极品专区"
+              />
+            </div>
+            <button
+              v-if="!isQualityOwner"
+              type="button"
+              class="quality-owner-link"
+              @click="router.push('/profile')"
+            >
+              前往个人中心开通优质号主
+            </button>
+
+            <div class="coverage-heading">
+              <strong>选择赔付方案</strong>
+              <span>服务费按号主实际到手租金计算，结算时自动扣除</span>
+            </div>
+            <div class="coverage-option-grid">
+              <button
+                type="button"
+                class="coverage-option"
+                :class="{ active: form.compensation_plan === 'normal' }"
+                @click="form.compensation_plan = 'normal'"
+              >
+                <strong>普通赔付</strong>
+                <span>按平台规则赔付租金与押金</span>
+              </button>
+              <button
+                type="button"
+                class="coverage-option"
+                :class="{ active: form.compensation_plan === 'insurance' }"
+                @click="form.compensation_plan = 'insurance'"
+              >
+                <strong>无忧租号保险</strong>
+                <span> 服务费 {{ insuranceFeePercent.toFixed(1) }}%，额外保障账号市场价值 </span>
+                <em v-if="isQualityOwner && form.is_premium">极品专区专享费率</em>
+              </button>
+            </div>
+            <p class="coverage-note">
+              普通赔付：账号封禁、追回、洗号等情况最高赔付全额租金与押金。无忧租号保险：在普通赔付基础上，额外按账号市场价值赔付；选择后按实际到手租金扣除服务费。
+            </p>
+          </div>
+
           <label class="input-block remark">
             <span>备注</span>
             <el-input

frontend/src/features/wallet/views/WalletView.vue

@@ -50,7 +50,7 @@ const walletMetrics = computed(() => {
     {
       label: '冻结余额',
       value: formatCentWithSymbol(account.value.frozen_balance_cent),
-      hint: '当前暂无冻结资金使用',
+      hint: '提现冻结及优质号主保证金',
       icon: Lock,
       tone: 'frozen',
     },

frontend/src/layouts/AppLayout.css

@@ -356,6 +356,22 @@
   white-space: nowrap;
 }
 
+.pc-quality-owner-badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  height: 20px;
+  padding: 0 7px;
+  border: 1px solid #d8b4fe;
+  border-radius: 999px;
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%);
+  color: #fff;
+  font-size: 10px;
+  font-weight: 800;
+  line-height: 1;
+  white-space: nowrap;
+}
+
 .pc-realname-badge {
   display: inline-flex;
   align-items: center;

frontend/src/layouts/AppLayout.vue

@@ -231,7 +231,12 @@ async function handleSupportClick() {
                 <span v-else class="pc-avatar-text">{{ session.avatarText }}</span>
               </span>
               <span class="pc-user-name">{{ session.displayName }}</span>
-              <span v-if="siteStore.isDistribution" class="pc-growth-badge is-distribution">
+              <span
+                v-if="session.isQualityOwner && !siteStore.isDistribution"
+                class="pc-quality-owner-badge"
+                >优质号主</span
+              >
+              <span v-else-if="siteStore.isDistribution" class="pc-growth-badge is-distribution">
                 会员专享
               </span>
               <span v-else class="pc-growth-badge" :class="`is-${growthBadgeTone}`">

frontend/src/shared/types/publish.ts

@@ -28,6 +28,10 @@ export type PublishForm = {
   ban_record: string
   common_regions: string[]
   depositAmountYuan: number | ''
+  /** 是否发布到极品专区（仅优质号主可用） */
+  is_premium: boolean
+  /** 普通赔付或不额外购买无忧租号保险 */
+  compensation_plan: 'normal' | 'insurance'
   remark: string
 }
 

frontend/src/shared/utils/auditLabels.ts

@@ -28,6 +28,8 @@ export const AUDIT_ACTION_OPTIONS: AuditOption[] = [
   { value: 'admin_user.manual_realname', label: '人工实名', group: '用户', highRisk: true },
   { value: 'admin_user.revoke_realname', label: '撤销实名', group: '用户', highRisk: true },
   { value: 'admin_user.wallet_adjust', label: '调整用户余额', group: '用户', highRisk: true },
+  { value: 'admin_user.set_quality_owner', label: '设置优质号主', group: '用户', highRisk: true },
+  { value: 'quality_owner.activate', label: '缴纳优质号主保证金', group: '用户', highRisk: true },
   // 商品
   { value: 'listing.admin_offline', label: '后台下架商品', group: '商品', highRisk: true },
   { value: 'listing.mark_abnormal', label: '商品标记异常', group: '商品', highRisk: true },

frontend/src/shared/utils/authStorage.ts

@@ -10,7 +10,14 @@ export interface AuthTokenPair {
 const userKeys = {
   accessToken: 'access_token',
   refreshToken: 'refresh_token',
-  profile: ['user_id', 'phone', 'nickname', 'avatar_url', 'realname_status'],
+  profile: [
+    'user_id',
+    'phone',
+    'nickname',
+    'avatar_url',
+    'realname_status',
+    'quality_owner_status',
+  ],
 }
 
 const adminKeys = {

frontend/src/shared/utils/statusLabels.ts

@@ -157,6 +157,8 @@ const walletBizTypeMap: Record<string, string> = {
   admin_debit: '管理员扣款',
   admin_pickup_settle: '提号结算',
   admin_pickup_adjustment: '提号结算调整',
+  quality_owner_deposit: '优质号主保证金',
+  quality_owner_deposit_refund: '优质号主保证金退回',
   // 营销
   invite_rebate: '邀请返利',
   // 分销

frontend/src/stores/session.ts

@@ -36,6 +36,7 @@ export const useSessionStore = defineStore('session', {
     realnameStatus: localStorage.getItem('realname_status') || 'unknown',
     renterGrowthPoints: Number(localStorage.getItem('renter_growth_points') || 0),
     renterGrowthLevel: localStorage.getItem('renter_growth_level') || 'normal',
+    qualityOwnerStatus: localStorage.getItem('quality_owner_status') || 'none',
     _loadingMe: false, // 防止重复调用
   }),
   getters: {
@@ -44,6 +45,7 @@ export const useSessionStore = defineStore('session', {
       state.nickname || (state.phone ? `用户${state.phone.slice(-6)}` : `用户${state.userId || 0}`),
     avatarText: state => (state.nickname || state.phone || 'U').slice(0, 1),
     renterGrowthLevelName: state => renterGrowthLevelName(state.renterGrowthLevel),
+    isQualityOwner: state => state.qualityOwnerStatus === 'active',
   },
   actions: {
     async login(phone: string, code: string) {
@@ -104,6 +106,7 @@ export const useSessionStore = defineStore('session', {
       this.realnameStatus = 'unknown'
       this.renterGrowthPoints = 0
       this.renterGrowthLevel = 'normal'
+      this.qualityOwnerStatus = 'none'
       clearAuthStorage('user')
     },
     syncFromStorage() {
@@ -116,6 +119,7 @@ export const useSessionStore = defineStore('session', {
       this.realnameStatus = localStorage.getItem('realname_status') || 'unknown'
       this.renterGrowthPoints = Number(localStorage.getItem('renter_growth_points') || 0)
       this.renterGrowthLevel = localStorage.getItem('renter_growth_level') || 'normal'
+      this.qualityOwnerStatus = localStorage.getItem('quality_owner_status') || 'none'
     },
     applySession(user: AuthUser, accessToken: string, refreshToken: string) {
       this.token = accessToken
@@ -143,6 +147,8 @@ export const useSessionStore = defineStore('session', {
       localStorage.setItem('renter_growth_points', String(this.renterGrowthPoints))
       this.renterGrowthLevel = user.renter_growth_level || 'normal'
       localStorage.setItem('renter_growth_level', this.renterGrowthLevel)
+      this.qualityOwnerStatus = user.quality_owner_status || 'none'
+      localStorage.setItem('quality_owner_status', this.qualityOwnerStatus)
     },
   },
 })