fix: 添加后台定时重试 + 管理员强制确认 + 审计日志 + mock守卫

migrations/009_add_payment_audit_log.sql

@@ -0,0 +1,14 @@
+-- 支付操作审计日志表
+CREATE TABLE IF NOT EXISTS payment_audit_log (
+    id SERIAL PRIMARY KEY,
+    order_no VARCHAR(64) NOT NULL REFERENCES payment_orders(order_no),
+    user_id INTEGER NOT NULL REFERENCES users(id),
+    action VARCHAR(32) NOT NULL,  -- paid, refunded, cancelled, admin_confirm, admin_revoke, expired
+    operator_id INTEGER REFERENCES users(id),  -- NULL 表示系统操作
+    detail TEXT,
+    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_payment_audit_log_order_no ON payment_audit_log(order_no);
+CREATE INDEX IF NOT EXISTS idx_payment_audit_log_user_id ON payment_audit_log(user_id);
+CREATE INDEX IF NOT EXISTS idx_payment_audit_log_created_at ON payment_audit_log(created_at);