feat(commerce): 排盘保存需显式同意，默认本地计算不上传

- 前端免费排盘默认不保存，勾选同意后才调用保存接口
- 服务端要求 consentVersion，记录 consentAt，校验并限流公开保存接口
- 付费结算单独披露报告快照与订单信息将由服务端存储
- 管理端展示同意版本与时间，历史无同意证据记录保留并标注

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Co-Authored-By: Devin <158243242+devin-ai-integration[bot]@users.noreply.github.com>

server/internal/model/commerce.go

@@ -3,17 +3,19 @@ package model
 import "time"
 
 type BaziChartRecord struct {
-	ID        uint      `gorm:"primaryKey" json:"id"`
-	ReportID  string    `gorm:"index;size:64" json:"reportId"`
-	UserID    *uint     `gorm:"index" json:"userId,omitempty"`
-	Name      string    `gorm:"size:64" json:"name"`
-	BirthDate string    `gorm:"size:16" json:"birthDate"`
-	BirthTime string    `gorm:"size:8" json:"birthTime"`
-	Gender    string    `gorm:"size:16" json:"gender"`
-	City      string    `gorm:"size:64" json:"city"`
-	Snapshot  string    `gorm:"type:longtext" json:"-"`
-	CreatedAt time.Time `json:"createdAt"`
-	UpdatedAt time.Time `json:"updatedAt"`
+	ID             uint       `gorm:"primaryKey" json:"id"`
+	ReportID       string     `gorm:"index;size:64" json:"reportId"`
+	UserID         *uint      `gorm:"index" json:"userId,omitempty"`
+	Name           string     `gorm:"size:64" json:"name"`
+	BirthDate      string     `gorm:"size:16" json:"birthDate"`
+	BirthTime      string     `gorm:"size:8" json:"birthTime"`
+	Gender         string     `gorm:"size:16" json:"gender"`
+	City           string     `gorm:"size:64" json:"city"`
+	ConsentVersion string     `gorm:"size:32;not null;default:''" json:"consentVersion"`
+	ConsentAt      *time.Time `json:"consentAt,omitempty"`
+	Snapshot       string     `gorm:"type:longtext" json:"-"`
+	CreatedAt      time.Time  `json:"createdAt"`
+	UpdatedAt      time.Time  `json:"updatedAt"`
 }
 
 type ReportProduct struct {