feat: 用户徽章与等级体系，积分经济管理重构

- 新增徽章系统：badge 服务与 handler、管理端配置页、BadgeChip/LevelBadge 展示组件
- 新增等级模型：model/level 及前端 levels 元数据
- 管理端经济模块拆分为 points/badges/levels 独立页面，EconomySettings 迁入设置
- 积分、签到、评论等服务适配等级与徽章逻辑

backend/service/points.go

@@ -2,6 +2,7 @@ package service
 
 import (
 	"errors"
+	"log"
 	"time"
 
 	"github.com/freefire/jiang13-bbs/model"
@@ -32,7 +33,8 @@ func (s *PointsService) Balance(userID uint) (int, error) {
 	return u.Points, nil
 }
 
-// CreditTx 在事务内入账
+// CreditTx 在事务内入账；入账同时累加累计获得积分（经验值，等级依据）。
+// bounty_refund 是悬赏托管退回（自己托给自己的钱），不计入经验，与启动回填口径一致。
 func CreditTx(tx *gorm.DB, userID uint, delta int, reason, refType string, refID uint, note string) (int, error) {
 	if delta <= 0 {
 		return 0, ErrInvalidPoints
@@ -43,7 +45,13 @@ func CreditTx(tx *gorm.DB, userID uint, delta int, reason, refType string, refID
 		return 0, err
 	}
 	bal := u.Points + delta
-	if err := tx.Model(&model.User{}).Where("id = ?", userID).Update("points", bal).Error; err != nil {
+	updates := map[string]interface{}{
+		"points": bal,
+	}
+	if reason != model.PointReasonBountyRefund {
+		updates["total_points"] = gorm.Expr("total_points + ?", delta)
+	}
+	if err := tx.Model(&model.User{}).Where("id = ?", userID).Updates(updates).Error; err != nil {
 		return 0, err
 	}
 	if err := tx.Create(&model.PointLedger{
@@ -60,6 +68,31 @@ func CreditTx(tx *gorm.DB, userID uint, delta int, reason, refType string, refID
 	return bal, nil
 }
 
+// RewardIfConfigured 可配置奖励入账：规则分>0 且当日该 reason 正入账笔数未超 cap 时发放；
+// cap<=0 不限。计数按本地日统计 point_ledgers 同 reason 正入账笔数。
+// 并发下允许低概率超发 1-2 笔，论坛场景可接受（不做唯一索引级严格）。
+// 发放失败仅记日志不阻断主流程（奖励非关键路径）。
+func RewardIfConfigured(tx *gorm.DB, userID uint, points, cap int, reason, refType string, refID uint, note string) {
+	if points <= 0 {
+		return
+	}
+	if cap > 0 {
+		var used int64
+		if err := tx.Model(&model.PointLedger{}).
+			Where("user_id = ? AND reason = ? AND delta > 0 AND created_at >= ?", userID, reason, localDay(time.Now())).
+			Count(&used).Error; err != nil {
+			log.Printf("[points] 奖励上限检查失败(忽略): user=%d reason=%s err=%v", userID, reason, err)
+			return
+		}
+		if used >= int64(cap) {
+			return
+		}
+	}
+	if _, err := CreditTx(tx, userID, points, reason, refType, refID, note); err != nil {
+		log.Printf("[points] 奖励入账失败(忽略): user=%d reason=%s err=%v", userID, reason, err)
+	}
+}
+
 // DebitTx 在事务内扣款
 func DebitTx(tx *gorm.DB, userID uint, delta int, reason, refType string, refID uint, note string) (int, error) {
 	if delta <= 0 {
@@ -291,6 +324,11 @@ func transferEnds(a, b model.PointLedger) (fromID, toID uint) {
 
 // Ledger 分页查询本人积分流水
 func (s *PointsService) Ledger(userID uint, page, size int) ([]LedgerItem, int64, error) {
+	return ledgerPage(s.db, userID, page, size)
+}
+
+// ledgerPage 积分流水分页查询（本人/管理端共用口径：id DESC，size 1..50 缺省 20）
+func ledgerPage(db *gorm.DB, userID uint, page, size int) ([]LedgerItem, int64, error) {
 	if page < 1 {
 		page = 1
 	}
@@ -298,7 +336,7 @@ func (s *PointsService) Ledger(userID uint, page, size int) ([]LedgerItem, int64
 		size = 20
 	}
 	var total int64
-	q := s.db.Model(&model.PointLedger{}).Where("user_id = ?", userID)
+	q := db.Model(&model.PointLedger{}).Where("user_id = ?", userID)
 	if err := q.Count(&total).Error; err != nil {
 		return nil, 0, err
 	}
@@ -316,6 +354,33 @@ func (s *PointsService) Ledger(userID uint, page, size int) ([]LedgerItem, int64
 	return out, total, nil
 }
 
+// AdminUserLedger 管理端查询任意用户积分流水
+func (s *PointsService) AdminUserLedger(userID uint, page, size int) ([]LedgerItem, int64, error) {
+	return ledgerPage(s.db, userID, page, size)
+}
+
+// AdminAdjustPoints 管理员手动调整积分：加分复用 CreditTx（同步累加累计获得→可升级），
+// 扣分复用 DebitTx（仅扣余额、不降级）；reason 统一 admin_adjust，note 为调整理由。
+// 返回调整后余额、累计获得与等级。
+func (s *PointsService) AdminAdjustPoints(userID uint, delta int, note string) (bal, total, level int, err error) {
+	err = s.db.Transaction(func(tx *gorm.DB) error {
+		if delta > 0 {
+			bal, err = CreditTx(tx, userID, delta, model.PointReasonAdminAdjust, "admin", 0, note)
+		} else {
+			bal, err = DebitTx(tx, userID, -delta, model.PointReasonAdminAdjust, "admin", 0, note)
+		}
+		return err
+	})
+	if err != nil {
+		return 0, 0, 0, err
+	}
+	var u model.User
+	if err := s.db.Select("id", "total_points").First(&u, userID).Error; err != nil {
+		return 0, 0, 0, err
+	}
+	return bal, u.TotalPoints, model.LevelOf(u.TotalPoints), nil
+}
+
 // DeltaDay 单日积分发放与消耗
 type DeltaDay struct {
 	Date    string `json:"date"`