feat: 商业认证完整流程 + 通知时间过滤

商业认证:
- 申请页重写：商户名+说明字段，显示审核中/被拒/已通过状态
- 被拒绝显示原因，可重新申请
- 管理员拒绝时输入原因
- 商业核算页未认证用户点详情弹认证提示，跳转认证页面
- 删除项目仅管理员可见

通知:
- 只显示用户注册后的通知，避免角色变更后看到旧通知
- 搜索未收录通知只发管理员和高级编辑者

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

frontend/src/views/MyDiary.vue

@@ -241,18 +241,57 @@
       </div>
 
       <!-- Business Verification -->
-      <div v-if="!auth.isBusiness" ref="bizCertRef" class="section-card">
+      <div ref="bizCertRef" class="section-card">
         <h4>💼 商业认证</h4>
-        <p class="hint-text">申请商业认证后可使用商业核算功能。</p>
-        <div class="form-group">
-          <label>申请说明</label>
-          <textarea v-model="businessReason" class="form-textarea" rows="3" placeholder="请说明您的申请理由..."></textarea>
+
+        <!-- 已认证 -->
+        <div v-if="auth.isBusiness" class="biz-status biz-approved">
+          <div class="biz-status-icon">✅</div>
+          <div class="biz-status-text">已认证商业用户</div>
         </div>
-        <button class="btn-primary" @click="applyBusiness" :disabled="!businessReason.trim()">提交申请</button>
-      </div>
-      <div v-else class="section-card">
-        <h4>💼 商业认证</h4>
-        <div class="verified-badge">✅ 已认证商业用户</div>
+
+        <!-- 审核中 -->
+        <template v-else-if="bizApp.status === 'pending'">
+          <div class="biz-status biz-pending">
+            <div class="biz-status-icon">⏳</div>
+            <div class="biz-status-text">认证申请审核中</div>
+            <div class="biz-status-detail">商户名：{{ bizApp.business_name }}</div>
+            <div class="biz-status-detail">提交时间：{{ formatDate(bizApp.created_at) }}</div>
+          </div>
+        </template>
+
+        <!-- 被拒绝，可重新申请 -->
+        <template v-else-if="bizApp.status === 'rejected'">
+          <div class="biz-status biz-rejected">
+            <div class="biz-status-icon">❌</div>
+            <div class="biz-status-text">认证申请未通过</div>
+            <div v-if="bizApp.reject_reason" class="biz-reject-reason">原因：{{ bizApp.reject_reason }}</div>
+          </div>
+          <p class="hint-text">你可以修改信息后重新申请。</p>
+          <div class="form-group">
+            <label>商户名称</label>
+            <input v-model="businessName" class="form-input" placeholder="你的商户/品牌名称" />
+          </div>
+          <div class="form-group">
+            <label>申请说明</label>
+            <textarea v-model="businessReason" class="form-textarea" rows="3" placeholder="请说明您的业务情况和申请理由..."></textarea>
+          </div>
+          <button class="btn-primary" @click="applyBusiness" :disabled="!businessName.trim()">重新申请</button>
+        </template>
+
+        <!-- 首次申请 -->
+        <template v-else>
+          <p class="hint-text">申请商业认证后可使用商业核算功能，请填写以下信息。</p>
+          <div class="form-group">
+            <label>商户名称</label>
+            <input v-model="businessName" class="form-input" placeholder="你的商户/品牌名称" />
+          </div>
+          <div class="form-group">
+            <label>申请说明</label>
+            <textarea v-model="businessReason" class="form-textarea" rows="3" placeholder="请说明您的业务情况和申请理由..."></textarea>
+          </div>
+          <button class="btn-primary" @click="applyBusiness" :disabled="!businessName.trim()">提交申请</button>
+        </template>
       </div>
     </div>
   </div>
@@ -300,13 +339,20 @@ const displayName = ref('')
 const oldPassword = ref('')
 const newPassword = ref('')
 const confirmPassword = ref('')
+const businessName = ref('')
 const businessReason = ref('')
+const bizApp = ref({ status: null })
 
 onMounted(async () => {
   await diaryStore.loadDiary()
   displayName.value = auth.user.display_name || ''
   await loadBrandSettings()
   returnRecipeId.value = localStorage.getItem('oil_return_recipe_id') || null
+  // Load business application status
+  try {
+    const bizRes = await api('/api/my-business-application')
+    if (bizRes.ok) bizApp.value = await bizRes.json()
+  } catch {}
   // 从商业核算跳转过来，滚到商业认证区域
   if (route.query.section === 'biz-cert') {
     await nextTick()
@@ -623,13 +669,30 @@ async function changePassword() {
 }
 
 async function applyBusiness() {
+  if (!businessName.value.trim()) {
+    ui.showToast('请填写商户名称')
+    return
+  }
   try {
-    await api('/api/business-apply', {
+    const res = await api('/api/business-apply', {
       method: 'POST',
-      body: JSON.stringify({ reason: businessReason.value }),
+      body: JSON.stringify({
+        business_name: businessName.value.trim(),
+        document: businessReason.value.trim(),
+      }),
     })
-    businessReason.value = ''
-    ui.showToast('申请已提交，请等待审核')
+    if (res.ok) {
+      businessName.value = ''
+      businessReason.value = ''
+      bizApp.value = { status: 'pending', business_name: businessName.value }
+      ui.showToast('申请已提交，请等待管理员审核')
+      // Reload status
+      const bizRes = await api('/api/my-business-application')
+      if (bizRes.ok) bizApp.value = await bizRes.json()
+    } else {
+      const err = await res.json().catch(() => ({}))
+      ui.showToast(err.detail || '提交失败')
+    }
   } catch {
     ui.showToast('提交失败')
   }
@@ -1084,6 +1147,20 @@ async function applyBusiness() {
   text-align: center;
 }
 
+.biz-status {
+  padding: 16px;
+  border-radius: 12px;
+  text-align: center;
+  margin-bottom: 12px;
+}
+.biz-status-icon { font-size: 32px; margin-bottom: 8px; }
+.biz-status-text { font-size: 15px; font-weight: 600; margin-bottom: 4px; }
+.biz-status-detail { font-size: 12px; color: #999; }
+.biz-approved { background: #e8f5e9; color: #2e7d5a; }
+.biz-pending { background: #fff8e1; color: #e65100; }
+.biz-rejected { background: #fce4ec; color: #c62828; }
+.biz-reject-reason { font-size: 13px; margin-top: 8px; padding: 8px 12px; background: rgba(0,0,0,0.05); border-radius: 8px; }
+
 /* Buttons */
 .btn-primary {
   background: linear-gradient(135deg, #7ec6a4 0%, #4a9d7e 100%);

frontend/src/views/UserManagement.vue

@@ -27,8 +27,8 @@
       <div class="review-list">
         <div v-for="app in businessApps" :key="app._id || app.id" class="review-item">
           <div class="review-info">
-            <span class="review-name">{{ app.user_name || app.display_name }}</span>
-            <span class="review-reason">{{ app.reason }}</span>
+            <span class="review-name">{{ app.display_name || app.username }}</span>
+            <span class="review-reason">商户名：{{ app.business_name }}</span>
           </div>
           <div class="review-actions">
             <button class="btn-sm btn-approve" @click="approveBusiness(app)">通过</button>
@@ -101,7 +101,7 @@ import { ref, computed, onMounted } from 'vue'
 import { useAuthStore } from '../stores/auth'
 import { useUiStore } from '../stores/ui'
 import { api } from '../composables/useApi'
-import { showConfirm } from '../composables/useDialog'
+import { showConfirm, showPrompt } from '../composables/useDialog'
 
 const auth = useAuthStore()
 const ui = useUiStore()
@@ -248,8 +248,13 @@ async function approveBusiness(app) {
 
 async function rejectBusiness(app) {
   const id = app._id || app.id
+  const reason = await showPrompt('请输入拒绝原因（选填）：')
+  if (reason === null) return
   try {
-    const res = await api(`/api/business-applications/${id}/reject`, { method: 'POST' })
+    const res = await api(`/api/business-applications/${id}/reject`, {
+      method: 'POST',
+      body: JSON.stringify({ reason: reason || '' }),
+    })
     if (res.ok) {
       businessApps.value = businessApps.value.filter(item => (item._id || item.id) !== id)
       ui.showToast('已拒绝')