feat(server): /v1/pay 下单代理端点 + 购买台账(JWT 鉴权,user→biz_ref 映射)

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_013nMthbVEmQquxBRKb9Fj8u

server/internal/pay/catalog.go

@@ -0,0 +1,30 @@
+package pay
+
+import "github.com/wangjia/pangolin/server/internal/codes"
+
+// CatalogItem 是可购档位。SKU 与 pay 侧 products.biz_code 一一对应
+// (webhook product_biz_code 原样回带);PriceMinor 仅展示(CNY 分),
+// 实际扣款以 pay 侧 ProductPrice/price 为准——一致性列入联调 checklist。
+type CatalogItem struct {
+	SKU        string `json:"sku"`
+	Plan       string `json:"plan"`
+	Days       int    `json:"days"`
+	PriceMinor int64  `json:"price_minor"`
+	Currency   string `json:"currency"`
+}
+
+// Catalog 三档单源。时长取宽松口径(31/92/366 覆盖大月与最长季)。
+var Catalog = []CatalogItem{
+	{SKU: "pro_month", Plan: string(codes.PlanPro), Days: 31, PriceMinor: 2999, Currency: "CNY"},
+	{SKU: "pro_quarter", Plan: string(codes.PlanPro), Days: 92, PriceMinor: 6888, Currency: "CNY"},
+	{SKU: "pro_year", Plan: string(codes.PlanPro), Days: 366, PriceMinor: 19999, Currency: "CNY"},
+}
+
+func CatalogBySKU(sku string) (CatalogItem, bool) {
+	for _, it := range Catalog {
+		if it.SKU == sku {
+			return it, true
+		}
+	}
+	return CatalogItem{}, false
+}