feat(billing): 计费商业化重构(积分制)+ 团队差异化调价

统一计价引擎 apps/billing/pricing.py:1积分=¥0.1,平台成本(¥)与用户价(积分)双记账,
视频按火山真实 usage.total_tokens 结算(true-up,终结¥1/段倒贴)+ 首发×1.5毛利系数。
Team.price_multiplier 差异化调价(jimeng同款):挂牌价×系数两步HALF_UP取整,视频类
按下单时的价格/汇率快照结算(中途改配不影响在途任务)。

BillingConfig 单例(汇率/毛利系数/预留buffer,admin可调即刻生效)。存量数据 ×10 rescale
迁移(RunPython+atomic,MySQL 迁移不可中断重跑)。开户赠送归零(DEFAULT_TRIAL_CREDITS=0,
商业决策)。audit_billing 加 I9(卖亏审计)。271 条测试 + tsc/build 全绿。

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

core/backend/apps/billing/views.py

@@ -1,5 +1,5 @@
 from datetime import timedelta
-from decimal import Decimal, InvalidOperation
+from decimal import Decimal, InvalidOperation, ROUND_HALF_UP
 
 from django.db import transaction
 from django.db.models import Sum
@@ -14,17 +14,21 @@ from apps.ai.models import AITask
 from apps.common.api import can_manage_team, get_current_team
 
 from .models import CreditAccount, CreditLedger
+from .pricing import get_billing_config, team_price_multiplier
 from .serializers import CreditAccountSerializer, CreditLedgerSerializer
 
 # AITask.task_type → 账户页「按阶段分布」的 4 个聚合桶
 _STAGE_BUCKET = {
     AITask.Type.SCRIPT_GENERATION: "script",
     AITask.Type.SCRIPT_OPTIMIZATION: "script",
+    AITask.Type.ENTITY_EXTRACTION: "script",
     AITask.Type.PRODUCT_IMAGE: "base",
     AITask.Type.PERSON_IMAGE: "base",
     AITask.Type.SCENE_IMAGE: "base",
     AITask.Type.STORYBOARD: "storyboard",
     AITask.Type.VIDEO_SEGMENT: "video",
+    AITask.Type.VOICEOVER: "video",
+    AITask.Type.FREE_VIDEO: "video",
     AITask.Type.EXPORT: "video",
 }
 
@@ -90,24 +94,59 @@ def ledgers(request):
     )
 
 
+@api_view(["GET"])
+@permission_classes([IsAuthenticated])
+def config(request):
+    """计费公共配置:前端预估(自由创作 token 预估 / 图片单价 / 充值到账换算)统一读这里,
+    与后端计价引擎同一来源,杜绝两端口径漂移。"""
+    cfg = get_billing_config()
+    # 团队价格系数(差异化调价):预估所见即所扣。平台超管无团队 → 回落 1。
+    try:
+        multiplier = team_price_multiplier(get_current_team(request.user))
+    except Exception:  # noqa: BLE001 — 无团队(平台超管)等情况一律按标准价
+        multiplier = Decimal("1")
+    return Response(
+        {
+            "currency_unit": "points",
+            "points_per_yuan": str(cfg.points_per_yuan),
+            "video_margin_multiplier": str(cfg.video_margin_multiplier),
+            "video_reserve_buffer": str(cfg.video_reserve_buffer),
+            "team_price_multiplier": str(multiplier),
+        }
+    )
+
+
 @api_view(["POST"])
 @permission_classes([IsAuthenticated])
 def recharge(request):
+    """充值:amount 是真实支付人民币(¥),到账积分 = ¥ × points_per_yuan + bonus_points(赠送积分)。
+    metadata 快照 paid_amount(¥)与当时汇率——老流水的支付金额只能从这里读,不可拿 amount÷rate 反推。"""
     team = get_current_team(request.user)
     # 充值是团队资金操作:仅 owner/admin 可发起,普通成员/访客一律拒绝
     if not can_manage_team(request.user, team):
         return Response({"detail": "permission denied"}, status=status.HTTP_403_FORBIDDEN)
     try:
         amount = Decimal(str(request.data.get("amount", "0")))
-        bonus = Decimal(str(request.data.get("bonus", "0")))
+        # 兼容旧键 bonus(历史前端按 ¥ 传):按汇率折成积分;新契约 bonus_points 直接是积分
+        if request.data.get("bonus_points") is not None:
+            bonus_points = Decimal(str(request.data.get("bonus_points")))
+        else:
+            bonus_yuan = Decimal(str(request.data.get("bonus", "0")))
+            bonus_points = bonus_yuan * get_billing_config().points_per_yuan
     except (InvalidOperation, TypeError):
         return Response({"detail": "invalid amount"}, status=status.HTTP_400_BAD_REQUEST)
-    if amount <= 0:
-        return Response({"detail": "amount must be positive"}, status=status.HTTP_400_BAD_REQUEST)
-    if bonus < 0:
+    # Decimal("NaN")/("Infinity") 构造不抛,后续比较/入库才炸 500 → 显式拦(review 确认)
+    if not amount.is_finite() or not bonus_points.is_finite():
+        return Response({"detail": "invalid amount"}, status=status.HTTP_400_BAD_REQUEST)
+    # 最低 ¥1:分币级支付按 HALF_UP 会到账 0 积分(付了钱拿 0,投诉必至);上限防长尾脏数据
+    if amount < Decimal("1") or amount > Decimal("1000000"):
+        return Response({"detail": "充值金额需在 ¥1 ~ ¥1,000,000 之间"}, status=status.HTTP_400_BAD_REQUEST)
+    if bonus_points < 0:
         return Response({"detail": "bonus cannot be negative"}, status=status.HTTP_400_BAD_REQUEST)
     channel = str(request.data.get("channel") or "manual")[:32]
-    credited = amount + bonus
+    rate = get_billing_config().points_per_yuan
+    # 取整与计价引擎同口径 HALF_UP(quantize 默认是银行家舍入,¥0.25×10 会得 2 而非 3)
+    credited = (amount * rate + bonus_points).quantize(Decimal("1"), rounding=ROUND_HALF_UP)
     with transaction.atomic():
         account, _ = CreditAccount.objects.select_for_update().get_or_create(team=team)
         account.balance += credited
@@ -119,12 +158,19 @@ def recharge(request):
             amount=credited,
             balance_after=account.balance,
             reason="团队充值",
-            metadata={"channel": channel, "paid_amount": str(amount), "bonus": str(bonus)},
+            metadata={
+                "channel": channel,
+                "paid_amount": str(amount),
+                "points_per_yuan": str(rate),
+                "bonus_points": str(bonus_points),
+            },
         )
     return Response(
         {
             "account": CreditAccountSerializer(account).data,
             "ledger": CreditLedgerSerializer(ledger).data,
+            "credited_points": str(credited),
+            "points_per_yuan": str(rate),
         },
         status=status.HTTP_201_CREATED,
     )