feat(commerce): 排盘保存需显式同意，默认本地计算不上传

- 前端免费排盘默认不保存，勾选同意后才调用保存接口
- 服务端要求 consentVersion，记录 consentAt，校验并限流公开保存接口
- 付费结算单独披露报告快照与订单信息将由服务端存储
- 管理端展示同意版本与时间，历史无同意证据记录保留并标注

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server/internal/service/chart_history.go

@@ -7,8 +7,10 @@ import (
 	"github.com/gouki/lunar-server/internal/model"
 )
 
+const ChartRecordConsentVersion = "chart-record-v1"
+
 func (s *CommerceService) CreateChartRecord(record *model.BaziChartRecord) error {
-	if record.ReportID == "" || record.BirthDate == "" || record.BirthTime == "" || record.Snapshot == "" {
+	if record.ReportID == "" || record.BirthDate == "" || record.BirthTime == "" || record.Snapshot == "" || record.ConsentVersion != ChartRecordConsentVersion || record.ConsentAt == nil {
 		return errors.New("incomplete chart record")
 	}
 	return s.db.Create(record).Error