feat(m6): 额度流水、套餐开通、数据删除、运营后台（M6 剩下的 P0）

决策 M6-1–M6-10（docs/architecture/m6-plan.md、docs/decisions.md）。

用户端：
- 额度与套餐页：本期额度、按功能分布、扣点规则、流水（逐条余额、关联项目和任务、导出 CSV）
- 开通 / 续费申请（对公转账，运营确认到账后开通），80% / 100% 提醒
- 专业版到期：整个账号只读、额度清零，到期前 30 / 7 / 0 天提醒（worker 每小时 billing_tick）
- 删除项目（彻底删除、销毁数据密钥），注销账号（企业名称 + 短信验证码）
- 通知铃铛、账号页

运营后台：
- 独立进程 bid-doctor ops（/ops/v1）和 apps/admin；用户名 + 密码 + TOTP + IP 白名单
- 开通申请（到账 / 开通 / 退回 / 发票）、企业查询和调额度、误报 / 漏报、失败任务、审计；不看业务内容
- 左侧菜单（标准 logo、可展开收起的分组、图标、待办数、环境标签）
- 运营人员角色只留结构：ops_admin.role、权限点、每个接口的检查点、菜单按权限过滤

数据库：迁移 0010（排队的订阅、申请单号、通知类型、billing_due）、0011（bd_ops 权限）、0012（运营角色）。
另修：取消解析 / 检查接口报 500；uuid7 进程内单调；data_key 销毁后不再新建；审计 None 存 SQL NULL。

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

docs/architecture/openapi.yaml

@@ -203,12 +203,40 @@ paths:
         '204': { description: 已吊销 }
         '404': { $ref: '#/components/responses/NotFound' }
 
+  /me/sms-codes:
+    post:
+      tags: [me]
+      operationId: sendMySmsCode
+      summary: 登录后发验证码到自己的手机号（注销账号的二次确认，前端不需要完整号码）
+      requestBody:
+        required: true
+        content:
+          application/json:
+            schema:
+              type: object
+              required: [purpose]
+              properties:
+                purpose: { type: string, enum: [close_tenant] }
+      responses:
+        '202':
+          description: 已发送
+          content:
+            application/json:
+              schema:
+                type: object
+                required: [resend_after_s]
+                properties:
+                  resend_after_s: { type: integer }
+        '429': { $ref: '#/components/responses/RateLimited' }
+
   /tenant/close:
     post:
       tags: [me]
       operationId: closeTenant
       summary: 注销账号（删除企业下全部业务数据，不可恢复）
-      description: data-model §6.2。需要短信验证码和企业名称两次确认。成功后当前会话失效。
+      description: |
+        data-model §6.2，决策 M6-8。需要短信验证码（`POST /me/sms-codes`）和企业名称两次确认；
+        企业名称不一致返回 422 `tenant_name_mismatch`。成功后所有会话失效，手机号可以重新注册；项目、资质库等由后台删除。
       requestBody:
         required: true
         content:
@@ -2168,7 +2196,7 @@ components:
           description: 给用户看的检查计费说明，如「检查从解析额度扣 1 次；同一项目 24 小时内复查不扣」
     QuotaOverview:
       type: object
-      required: [plan, accounts]
+      required: [plan, accounts, usage]
       properties:
         plan: { $ref: '#/components/schemas/PlanSummary' }
         accounts:
@@ -2180,26 +2208,44 @@ components:
               unit: { $ref: '#/components/schemas/QuotaUnit' }
               balance: { type: integer, description: 剩余，含正在预扣的 }
               held: { type: integer, description: 正在预扣、还没结算的 }
-              period_granted: { type: integer }
-              period_used: { type: integer }
+              period_granted: { type: integer, description: 本期发放（按当前这一期订阅） }
+              period_used: { type: integer, description: 本期净用量（预扣 − 退回） }
+              period_released: { type: integer, description: 本期退回的次数（失败、超时、取消） }
               used_ratio: { type: number, description: '0～1；≥ 0.8 时界面变赭色（Q9）' }
-              by_feature:
-                type: array
-                description: 按功能分布，如解析、检查
-                items:
-                  type: object
-                  required: [feature, used]
-                  properties:
-                    feature: { type: string, enum: [parse, check] }
-                    used: { type: integer }
+        usage:
+          type: object
+          description: 本期按功能分布（没被退回的预扣）；deleted 是项目已删除、看不出用途的；waived 是 24 小时内复查的免扣次数
+          required: [tender, addendum, check, deleted, waived]
+          properties:
+            tender: { type: integer }
+            addendum: { type: integer, description: 补遗和澄清 }
+            check: { type: integer }
+            deleted: { type: integer }
+            waived: { type: integer }
+        renewal:
+          description: 已续费、排队等当前一期结束后生效的那一期
+          oneOf:
+            - type: 'null'
+            - type: object
+              required: [starts_at, ends_at]
+              properties:
+                starts_at: { $ref: '#/components/schemas/Timestamp' }
+                ends_at: { $ref: '#/components/schemas/Timestamp' }
+        pending_request:
+          description: 还在等转账或开通的申请
+          oneOf:
+            - type: 'null'
+            - $ref: '#/components/schemas/ActivationRequest'
     QuotaEntry:
       type: object
-      required: [id, unit, kind, amount, created_at]
+      required: [id, unit, kind, amount, balance_after, created_at]
       properties:
         id: { $ref: '#/components/schemas/Id' }
         unit: { $ref: '#/components/schemas/QuotaUnit' }
         kind: { $ref: '#/components/schemas/QuotaEntryKind' }
         amount: { type: integer, description: 对余额的影响；结算、免扣为 0 }
+        balance_after: { type: integer, description: 记完这一条以后的账户余额 }
+        hold_entry_id: { oneOf: [{ $ref: '#/components/schemas/Id' }, { type: 'null' }], description: 结算、退回对应的预扣 }
         reason: { type: string, description: '调整原因；免扣时为规则说明，如「24 小时内复查」' }
         project:
           type: [object, 'null']
@@ -2222,7 +2268,8 @@ components:
         invoice_info: { $ref: '#/components/schemas/InvoiceInfo' }
     InvoiceInfo:
       type: object
-      required: [title, tax_no]
+      required: [title, tax_no, contact_name, contact_phone]
+      description: 专票（invoice_type = special）还要地址电话和开户行账号
       properties:
         title: { type: string, description: 发票抬头 }
         tax_no: { type: string, description: 纳税人识别号 }
@@ -2233,14 +2280,27 @@ components:
         contact_phone: { type: string }
     ActivationRequest:
       type: object
-      required: [id, plan_code, status, created_at]
+      required: [id, request_no, plan_code, status, payment, created_at]
       properties:
         id: { $ref: '#/components/schemas/Id' }
+        request_no: { type: string, examples: [KT-7Q3M2X], description: 申请单号，对公转账时写在备注里 }
         plan_code: { $ref: '#/components/schemas/PlanCode' }
-        status: { type: string, enum: [submitted, paid, activated, rejected, cancelled] }
+        status:
+          type: string
+          enum: [submitted, paid, activated, rejected, cancelled]
+          description: 等待转账 / 已到账 / 已开通 / 已退回 / 已撤回
         invoice_info: { $ref: '#/components/schemas/InvoiceInfo' }
-        payment_instructions: { type: string, description: 对公转账账户和备注要求 }
-        ops_note: { type: string }
+        payment:
+          type: object
+          description: 收款信息（配置项；没配时为「（待定）」，决策 M6-6）。页面不写价格，运营联系确认金额
+          required: [payee_name, payee_bank, payee_account]
+          properties:
+            payee_name: { type: string }
+            payee_bank: { type: string }
+            payee_account: { type: string }
+        ops_note: { type: [string, 'null'], description: 退回原因 }
+        invoice_no: { type: [string, 'null'] }
+        handled_at: { oneOf: [{ $ref: '#/components/schemas/Timestamp' }, { type: 'null' }] }
         created_at: { $ref: '#/components/schemas/Timestamp' }
 
     # ---------- projects
@@ -3180,13 +3240,14 @@ components:
         kind:
           type: string
           enum: [parse_succeeded, parse_failed, check_succeeded, check_failed, report_succeeded, report_failed, quota_80, quota_100,
-                 subscription_activated, subscription_expiring]
+                 subscription_activated, subscription_expiring, subscription_expired, activation_rejected]
         title: { type: string }
         project_id:
           oneOf:
             - $ref: '#/components/schemas/Id'
             - type: 'null'
-        link: { type: [string, 'null'], description: '前端路由，如 /projects/<id>/results' }
+        project_name: { type: [string, 'null'] }
+        link: { type: [string, 'null'], description: '前端路由，如 /projects/<id>/results、/quota' }
         read_at:
           oneOf:
             - $ref: '#/components/schemas/Timestamp'