feat: 商业核算+个人库存+认证优化

商业核算:
- 加标语和示意项目（芳香调理），所有人可体验
- 管理员开放（不需认证）
- 新增项目需认证，未认证提示

个人库存:
- 搜索直接添加（回车或点击）
- 4个套装快捷按钮（家庭医生/居家呵护3988/芳香调理/全精油）
- 精油库默认折叠
- 配方匹配排除椰子油，降低门槛（至少1种匹配）

商业认证:
- 简化为商户名+证明图片
- 通过后内容仍显示（和二维码页面一致）
- 审核中内容不可修改

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

frontend/src/views/MyDiary.vue

@@ -245,56 +245,41 @@
       <div ref="bizCertRef" class="section-card biz-card">
         <h4>🏢 商业用户认证</h4>
 
-        <!-- 已认证 -->
+        <!-- Status bar -->
         <div v-if="auth.isBusiness" class="biz-status-bar biz-approved">
           <span>✅ 已认证商业用户</span>
         </div>
-
-        <!-- 审核中 -->
         <div v-else-if="bizApp.status === 'pending'" class="biz-status-bar biz-pending">
           <span>⏳ 认证申请审核中</span>
-          <div class="biz-status-detail">商户名：{{ bizApp.business_name }} · 提交时间：{{ formatDate(bizApp.created_at) }}</div>
+        </div>
+        <div v-else-if="bizApp.status === 'rejected'" class="biz-status-bar biz-rejected">
+          <span>❌ 认证申请未通过</span>
+          <div v-if="bizApp.reject_reason" class="biz-status-detail">原因：{{ bizApp.reject_reason }}</div>
+          <p style="font-size:12px;margin-top:4px">你可以修改后重新申请</p>
         </div>
 
-        <!-- 被拒绝 -->
-        <template v-else-if="bizApp.status === 'rejected'">
-          <div class="biz-status-bar biz-rejected">
-            <span>❌ 认证申请未通过</span>
-            <div v-if="bizApp.reject_reason" class="biz-status-detail">原因：{{ bizApp.reject_reason }}</div>
+        <!-- Always show filled info (like QR page) -->
+        <div class="biz-form">
+          <div class="form-group">
+            <label class="form-label">商户名称 *</label>
+            <input v-model="businessName" class="form-input" placeholder="你的商户或品牌名称" :disabled="bizApp.status === 'pending'" />
           </div>
-          <p class="hint-text">你可以修改信息后重新申请。</p>
-        </template>
-
-        <!-- 申请表单（首次或被拒后重新申请） -->
-        <template v-if="!auth.isBusiness && bizApp.status !== 'pending'">
-          <div class="biz-form">
-            <div class="form-group">
-              <label class="form-label">认证类型 *</label>
-              <select v-model="bizType" class="form-select">
-                <option value="">请选择</option>
-                <option value="individual">个体经营户</option>
-                <option value="company">公司</option>
-                <option value="studio">工作室/美容院</option>
-                <option value="distributor">代理商</option>
-              </select>
-            </div>
-            <div class="form-group">
-              <label class="form-label">企业/商户名称 *</label>
-              <input v-model="businessName" class="form-input" placeholder="你的企业或品牌名称" />
-            </div>
-            <div class="form-group">
-              <label class="form-label">联系电话 *</label>
-              <input v-model="bizPhone" class="form-input" type="tel" placeholder="联系电话" />
-            </div>
-            <div class="form-group">
-              <label class="form-label">业务描述</label>
-              <textarea v-model="businessReason" class="form-textarea" rows="3" placeholder="描述你的业务范围和计划..."></textarea>
-            </div>
-            <div style="display:flex;gap:10px;margin-top:12px">
-              <button class="btn-primary" @click="applyBusiness" :disabled="!businessName.trim() || !bizType">💾 提交申请</button>
+          <div class="form-group">
+            <label class="form-label">证明图片 *</label>
+            <p style="font-size:11px;color:var(--text-light);margin-bottom:6px">营业执照或相关证明材料</p>
+            <div class="upload-box" @click="$refs.bizDocInput?.click()">
+              <img v-if="bizDocImage" :src="bizDocImage" class="upload-box-img" />
+              <span v-else class="upload-box-hint">点击上传</span>
             </div>
+            <input ref="bizDocInput" type="file" accept="image/*" style="display:none" @change="handleBizDocUpload" />
+            <button v-if="bizDocImage" class="btn-clear" @click="bizDocImage = ''">清除</button>
           </div>
-        </template>
+          <template v-if="!auth.isBusiness && bizApp.status !== 'pending'">
+            <div style="margin-top:12px">
+              <button class="btn-primary" @click="applyBusiness" :disabled="!businessName.trim() || !bizDocImage">💾 提交申请</button>
+            </div>
+          </template>
+        </div>
       </div>
     </div>
   </div>
@@ -346,6 +331,7 @@ const businessName = ref('')
 const businessReason = ref('')
 const bizType = ref('')
 const bizPhone = ref('')
+const bizDocImage = ref('')
 const bizApp = ref({ status: null })
 
 onMounted(async () => {
@@ -356,7 +342,11 @@ onMounted(async () => {
   // Load business application status
   try {
     const bizRes = await api('/api/my-business-application')
-    if (bizRes.ok) bizApp.value = await bizRes.json()
+    if (bizRes.ok) {
+      bizApp.value = await bizRes.json()
+      if (bizApp.value.business_name) businessName.value = bizApp.value.business_name
+      if (bizApp.value.document) bizDocImage.value = bizApp.value.document
+    }
   } catch {}
   // 从商业核算跳转过来，滚到商业认证区域
   if (route.query.section === 'biz-cert') {
@@ -702,33 +692,36 @@ async function changePassword() {
   }
 }
 
+async function handleBizDocUpload(event) {
+  const file = event.target.files[0]
+  if (!file) return
+  let base64 = await readFileAsBase64(file)
+  base64 = await compressImage(base64, 300000, 600)
+  bizDocImage.value = base64
+}
+
 async function applyBusiness() {
-  if (!businessName.value.trim() || !bizType.value) {
-    ui.showToast('请填写必填项')
+  if (!businessName.value.trim() || !bizDocImage.value) {
+    ui.showToast('请填写商户名称并上传证明图片')
     return
   }
-  const typeLabels = { individual: '个体经营户', company: '公司', studio: '工作室/美容院', distributor: '代理商' }
-  const info = [
-    `认证类型：${typeLabels[bizType.value] || bizType.value}`,
-    bizPhone.value ? `联系电话：${bizPhone.value}` : '',
-    businessReason.value ? `业务描述：${businessReason.value}` : '',
-  ].filter(Boolean).join('\n')
   try {
     const res = await api('/api/business-apply', {
       method: 'POST',
       body: JSON.stringify({
         business_name: businessName.value.trim(),
-        document: info,
+        document: bizDocImage.value,
       }),
     })
     if (res.ok) {
-      businessName.value = ''
-      businessReason.value = ''
-      bizType.value = ''
-      bizPhone.value = ''
+      // Don't clear — keep showing submitted data
       ui.showToast('申请已提交，请等待管理员审核')
       const bizRes = await api('/api/my-business-application')
-      if (bizRes.ok) bizApp.value = await bizRes.json()
+      if (bizRes.ok) {
+        bizApp.value = await bizRes.json()
+        // Restore document image from app data
+        if (bizApp.value.document) bizDocImage.value = bizApp.value.document
+      }
     } else {
       const err = await res.json().catch(() => ({}))
       ui.showToast(err.detail || '提交失败')