feat: 用户个人中心功能

- 账户余额显示和管理
- 充值功能（模拟模式）
- 退款申请功能（需管理员审核）
- 账户流水记录查看
- 会员购买记录查看
- 使用统计展示
- 新增模型：UserRecharge, UserRefund, MembershipPurchase, AccountTransaction
- User模型添加balance字段
- 导航栏添加个人中心入口

app.py

@@ -14,7 +14,8 @@ from werkzeug.utils import secure_filename
 
 from config import *
 from models import (db, User, Translation, TranslationCache, GuestTranslation, 
-                   DataPackage, UserPackage, DynamicConfig)
+                   DataPackage, UserPackage, DynamicConfig, UserRecharge, UserRefund,
+                   MembershipPurchase, AccountTransaction)
 from services import TranslationService, CacheService, TranslationTask
 from admin import admin_bp
 
@@ -206,7 +207,26 @@ def history():
 @app.route('/pricing')
 def pricing():
     """会员定价页"""
-    return render_template('pricing.html', plans=MEMBERSHIP_PLANS)
+    user = get_current_user()
+    return render_template('pricing.html', plans=MEMBERSHIP_PLANS, user=user)
+
+
+@app.route('/profile')
+def profile():
+    """个人中心"""
+    user = get_current_user()
+    if not user:
+        return redirect(url_for('login'))
+    
+    limits = USER_LIMITS.get(user.user_type, USER_LIMITS['free'])
+    daily_remaining = limits['daily_translations'] - user.daily_count if limits['daily_translations'] > 0 else '无限'
+    max_pages = limits['max_pages'] if limits['max_pages'] > 0 else '无限'
+    
+    return render_template('profile.html', 
+        user=user,
+        daily_remaining=daily_remaining,
+        max_pages=max_pages
+    )
 
 
 # ==================== 路由: API ====================
@@ -551,6 +571,145 @@ def user_info():
     })
 
 
+# ==================== 个人中心API ====================
+@app.route('/api/profile/transactions')
+def get_transactions():
+    """获取账户流水"""
+    user = get_current_user()
+    if not user:
+        return jsonify({'error': '请登录'}), 401
+    
+    filter_type = request.args.get('type', 'all')
+    
+    query = AccountTransaction.query.filter_by(user_id=user.id)
+    if filter_type != 'all':
+        query = query.filter_by(transaction_type=filter_type)
+    
+    transactions = query.order_by(AccountTransaction.created_at.desc()).limit(50).all()
+    
+    return jsonify({
+        'success': True,
+        'transactions': [t.to_dict() for t in transactions]
+    })
+
+
+@app.route('/api/profile/purchases')
+def get_purchases():
+    """获取会员购买记录"""
+    user = get_current_user()
+    if not user:
+        return jsonify({'error': '请登录'}), 401
+    
+    purchases = MembershipPurchase.query.filter_by(user_id=user.id)\
+        .order_by(MembershipPurchase.created_at.desc()).limit(20).all()
+    
+    return jsonify({
+        'success': True,
+        'purchases': [p.to_dict() for p in purchases]
+    })
+
+
+@app.route('/api/profile/recharge', methods=['POST'])
+def recharge_balance():
+    """充值"""
+    user = get_current_user()
+    if not user:
+        return jsonify({'error': '请登录'}), 401
+    
+    data = request.json
+    amount = float(data.get('amount', 0))
+    payment_method = data.get('payment_method', 'balance')
+    
+    if amount < 10:
+        return jsonify({'error': '充值金额最少10元'}), 400
+    
+    if amount > 10000:
+        return jsonify({'error': '充值金额最多10000元'}), 400
+    
+    balance_before = user.balance
+    
+    # 创建充值记录
+    order_no = f"RC{datetime.now().strftime('%Y%m%d%H%M%S')}{user.id}"
+    recharge = UserRecharge(
+        user_id=user.id,
+        amount=amount,
+        balance_before=balance_before,
+        payment_method=payment_method,
+        status='completed',
+        order_no=order_no,
+        completed_at=datetime.utcnow()
+    )
+    
+    # 更新余额
+    user.balance += amount
+    recharge.balance_after = user.balance
+    
+    db.session.add(recharge)
+    
+    # 创建流水记录
+    transaction = AccountTransaction(
+        user_id=user.id,
+        transaction_type='recharge',
+        amount=amount,
+        balance_before=balance_before,
+        balance_after=user.balance,
+        related_id=recharge.id,
+        related_type='recharge',
+        description=f'充值¥{amount}'
+    )
+    db.session.add(transaction)
+    
+    db.session.commit()
+    
+    return jsonify({
+        'success': True,
+        'balance': user.balance,
+        'recharge_id': recharge.id
+    })
+
+
+@app.route('/api/profile/refund', methods=['POST'])
+def request_refund():
+    """申请退款"""
+    user = get_current_user()
+    if not user:
+        return jsonify({'error': '请登录'}), 401
+    
+    data = request.json
+    amount = float(data.get('amount', 0))
+    reason = data.get('reason', '')
+    
+    if amount <= 0:
+        return jsonify({'error': '退款金额必须大于0'}), 400
+    
+    if amount > user.balance:
+        return jsonify({'error': '退款金额不能超过余额'}), 400
+    
+    if not reason:
+        return jsonify({'error': '请填写退款原因'}), 400
+    
+    balance_before = user.balance
+    
+    # 创建退款申请
+    refund = UserRefund(
+        user_id=user.id,
+        amount=amount,
+        balance_before=balance_before,
+        reason=reason,
+        reason_type='user_request',
+        status='pending'
+    )
+    
+    db.session.add(refund)
+    db.session.commit()
+    
+    return jsonify({
+        'success': True,
+        'refund_id': refund.id,
+        'message': '退款申请已提交，等待管理员审核'
+    })
+
+
 # ==================== 初始化 ====================
 def init_app():
     """初始化应用"""

models.py

@@ -38,8 +38,13 @@ class User(db.Model):
     is_active = db.Column(db.Boolean, default=True)     # 是否启用
     is_admin = db.Column(db.Boolean, default=False)     # 是否管理员
     
+    # 余额
+    balance = db.Column(db.Float, default=0.0)          # 账户余额（元）
+    
     # 关系
     translations = db.relationship('Translation', backref='user', lazy=True)
+    recharges = db.relationship('UserRecharge', backref='user', lazy=True)
+    refunds = db.relationship('UserRefund', backref='user', lazy=True)
     
     def set_password(self, password):
         self.password_hash = generate_password_hash(password)
@@ -102,6 +107,7 @@ class User(db.Model):
             'is_vip': self.is_vip(),
             'is_admin': self.is_admin,
             'is_active': self.is_active,
+            'balance': self.balance,
             'daily_count': self.daily_count,
             'total_count': self.total_count,
             'created_at': self.created_at.isoformat() if self.created_at else None,
@@ -521,3 +527,186 @@ class MembershipPlanConfig(db.Model):
             'is_recommended': self.is_recommended,
             'is_system': self.is_system,
         }
+
+
+# ==================== 用户充值记录 ====================
+class UserRecharge(db.Model):
+    """用户充值记录"""
+    __tablename__ = 'user_recharges'
+    
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey('users.id'), nullable=False)
+    
+    # 充值信息
+    amount = db.Column(db.Float, nullable=False)               # 充值金额
+    balance_before = db.Column(db.Float, default=0)            # 充值前余额
+    balance_after = db.Column(db.Float, default=0)             # 充值后余额
+    
+    # 支付方式
+    payment_method = db.Column(db.String(20), default='balance')  # balance, alipay, wechat, manual
+    
+    # 状态
+    status = db.Column(db.String(20), default='pending')      # pending, completed, failed, cancelled
+    order_no = db.Column(db.String(64), unique=True, nullable=True)  # 订单号
+    
+    # 备注
+    remark = db.Column(db.String(255), nullable=True)         # 管理员备注
+    operator_id = db.Column(db.Integer, nullable=True)        # 操作管理员ID
+    
+    # 时间
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+    completed_at = db.Column(db.DateTime, nullable=True)
+    
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'user_id': self.user_id,
+            'amount': self.amount,
+            'balance_before': self.balance_before,
+            'balance_after': self.balance_after,
+            'payment_method': self.payment_method,
+            'status': self.status,
+            'order_no': self.order_no,
+            'remark': self.remark,
+            'created_at': self.created_at.isoformat() if self.created_at else None,
+            'completed_at': self.completed_at.isoformat() if self.completed_at else None,
+        }
+
+
+# ==================== 用户退款记录 ====================
+class UserRefund(db.Model):
+    """用户退款记录"""
+    __tablename__ = 'user_refunds'
+    
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey('users.id'), nullable=False)
+    recharge_id = db.Column(db.Integer, db.ForeignKey('user_recharges.id'), nullable=True)  # 关联充值记录
+    
+    # 退款信息
+    amount = db.Column(db.Float, nullable=False)               # 退款金额
+    balance_before = db.Column(db.Float, default=0)            # 退款前余额
+    balance_after = db.Column(db.Float, default=0)             # 退款后余额
+    
+    # 原因
+    reason = db.Column(db.String(255), nullable=True)         # 退款原因
+    reason_type = db.Column(db.String(20), default='user_request')  # user_request, system_error, admin_initiated
+    
+    # 状态
+    status = db.Column(db.String(20), default='pending')      # pending, approved, completed, rejected
+    
+    # 操作
+    operator_id = db.Column(db.Integer, nullable=True)        # 处理管理员ID
+    operator_remark = db.Column(db.String(255), nullable=True)  # 管理员处理备注
+    
+    # 时间
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+    processed_at = db.Column(db.DateTime, nullable=True)
+    completed_at = db.Column(db.DateTime, nullable=True)
+    
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'user_id': self.user_id,
+            'recharge_id': self.recharge_id,
+            'amount': self.amount,
+            'balance_before': self.balance_before,
+            'balance_after': self.balance_after,
+            'reason': self.reason,
+            'reason_type': self.reason_type,
+            'status': self.status,
+            'operator_remark': self.operator_remark,
+            'created_at': self.created_at.isoformat() if self.created_at else None,
+            'processed_at': self.processed_at.isoformat() if self.processed_at else None,
+            'completed_at': self.completed_at.isoformat() if self.completed_at else None,
+        }
+
+
+# ==================== 会员购买记录 ====================
+class MembershipPurchase(db.Model):
+    """会员购买记录"""
+    __tablename__ = 'membership_purchases'
+    
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey('users.id'), nullable=False)
+    
+    # 套餐信息
+    plan_key = db.Column(db.String(50), nullable=False)       # vip_basic, vip_pro, vip_enterprise
+    plan_name = db.Column(db.String(100), nullable=False)     # 基础会员, 专业会员
+    
+    # 价格
+    price = db.Column(db.Float, nullable=False)               # 实付金额
+    original_price = db.Column(db.Float, nullable=True)       # 原价
+    
+    # 有效期
+    period_days = db.Column(db.Integer, default=30)           # 购买天数
+    expire_before = db.Column(db.DateTime, nullable=True)     # 购买前到期时间
+    expire_after = db.Column(db.DateTime, nullable=True)      # 购买后到期时间
+    
+    # 支付方式
+    payment_method = db.Column(db.String(20), default='balance')  # balance, alipay, wechat
+    
+    # 状态
+    status = db.Column(db.String(20), default='completed')    # pending, completed, refunded
+    
+    # 时间
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+    
+    # 关系
+    user = db.relationship('User', backref=db.backref('membership_purchases', lazy=True))
+    
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'user_id': self.user_id,
+            'plan_key': self.plan_key,
+            'plan_name': self.plan_name,
+            'price': self.price,
+            'original_price': self.original_price,
+            'period_days': self.period_days,
+            'expire_after': self.expire_after.isoformat() if self.expire_after else None,
+            'payment_method': self.payment_method,
+            'status': self.status,
+            'created_at': self.created_at.isoformat() if self.created_at else None,
+        }
+
+
+# ==================== 账户流水记录 ====================
+class AccountTransaction(db.Model):
+    """账户流水记录"""
+    __tablename__ = 'account_transactions'
+    
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey('users.id'), nullable=False)
+    
+    # 流水信息
+    transaction_type = db.Column(db.String(20), nullable=False)  # recharge, refund, purchase, consume, refund_purchase
+    amount = db.Column(db.Float, nullable=False)                 # 金额（正数加，负数减）
+    balance_before = db.Column(db.Float, default=0)              # 操作前余额
+    balance_after = db.Column(db.Float, default=0)               # 操作后余额
+    
+    # 关联
+    related_id = db.Column(db.Integer, nullable=True)            # 关联记录ID（充值ID、退款ID等）
+    related_type = db.Column(db.String(50), nullable=True)       # 关联类型（recharge, refund, membership_purchase等）
+    
+    # 描述
+    description = db.Column(db.String(255), nullable=True)       # 流水描述
+    
+    # 时间
+    created_at = db.Column(db.DateTime, default=datetime.utcnow)
+    
+    # 关系
+    user = db.relationship('User', backref=db.backref('transactions', lazy=True))
+    
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'user_id': self.user_id,
+            'transaction_type': self.transaction_type,
+            'amount': self.amount,
+            'balance_before': self.balance_before,
+            'balance_after': self.balance_after,
+            'related_id': self.related_id,
+            'related_type': self.related_type,
+            'description': self.description,
+            'created_at': self.created_at.isoformat() if self.created_at else None,
+        }

templates/index.html

@@ -22,6 +22,7 @@
                     <li class="nav-item"><a class="nav-link" href="/pricing">会员套餐</a></li>
                     {% if user %}
                     <li class="nav-item"><a class="nav-link" href="/history">翻译历史</a></li>
+                    <li class="nav-item"><a class="nav-link" href="/profile">个人中心</a></li>
                     {% endif %}
                 </ul>
                 <div class="navbar-nav">

templates/pricing.html

@@ -12,9 +12,27 @@
     <nav class="navbar navbar-expand-lg navbar-dark bg-primary">
         <div class="container">
             <a class="navbar-brand" href="/">📄 PDF翻译助手</a>
-            <div class="navbar-nav ms-auto">
-                <a class="nav-link" href="/">首页</a>
+            <button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#navbarNav">
+                <span class="navbar-toggler-icon"></span>
+            </button>
+            <div class="collapse navbar-collapse" id="navbarNav">
+                <ul class="navbar-nav me-auto">
+                    <li class="nav-item"><a class="nav-link" href="/">首页</a></li>
+                    <li class="nav-item"><a class="nav-link active" href="/pricing">会员套餐</a></li>
+                    {% if user %}
+                    <li class="nav-item"><a class="nav-link" href="/history">翻译历史</a></li>
+                    <li class="nav-item"><a class="nav-link" href="/profile">个人中心</a></li>
+                    {% endif %}
+                </ul>
+                <div class="navbar-nav">
+                    {% if user %}
+                    <span class="nav-link text-light">👋 {{ user.username }}</span>
+                    <a class="nav-link" href="/logout">退出</a>
+                    {% else %}
                     <a class="nav-link" href="/login">登录</a>
+                    <a class="nav-link" href="/register">注册</a>
+                    {% endif %}
+                </div>
             </div>
         </div>
     </nav>
@@ -24,7 +42,7 @@
         
         <div class="row justify-content-center">
             <!-- 免费用户 -->
-            <div class="col-md-3 mb-4">
+            <div class="col-lg-3 col-md-6 mb-4">
                 <div class="card pricing-card h-100">
                     <div class="card-body text-center">
                         <h4 class="card-title">免费用户</h4>
@@ -40,13 +58,19 @@
                             <li class="text-muted">❌ 批量翻译</li>
                         </ul>
                         
+                        {% if user and user.user_type in ['free', 'vip_basic', 'vip_pro', 'vip_enterprise', 'admin'] %}
+                        <span class="btn btn-secondary w-100 mt-3 disabled">
+                            {% if user.user_type == 'free' %}当前套餐{% else %}已升级{% endif %}
+                        </span>
+                        {% else %}
                         <a href="/register" class="btn btn-outline-secondary w-100 mt-3">免费注册</a>
+                        {% endif %}
                     </div>
                 </div>
             </div>
             
             <!-- 基础会员 -->
-            <div class="col-md-4 mb-4">
+            <div class="col-lg-3 col-md-6 mb-4">
                 <div class="card pricing-card h-100">
                     <div class="card-body text-center">
                         <h4 class="card-title">基础会员</h4>
@@ -62,13 +86,19 @@
                             <li>✅ 优先处理队列</li>
                         </ul>
                         
+                        {% if user and user.user_type == 'vip_basic' %}
+                        <span class="btn btn-success w-100 mt-3 disabled">当前套餐</span>
+                        {% elif user and user.user_type in ['vip_pro', 'vip_enterprise', 'admin'] %}
+                        <span class="btn btn-secondary w-100 mt-3 disabled">已升级</span>
+                        {% else %}
                         <button class="btn btn-outline-primary w-100 mt-3">立即购买</button>
+                        {% endif %}
                     </div>
                 </div>
             </div>
             
             <!-- 专业会员 -->
-            <div class="col-md-4 mb-4">
+            <div class="col-lg-3 col-md-6 mb-4">
                 <div class="card pricing-card h-100 border-primary">
                     <div class="card-header bg-primary text-white text-center">
                         <strong>推荐</strong>
@@ -86,13 +116,19 @@
                             <li>✅ 自定义术语库</li>
                         </ul>
                         
+                        {% if user and user.user_type == 'vip_pro' %}
+                        <span class="btn btn-success w-100 mt-3 disabled">当前套餐</span>
+                        {% elif user and user.user_type in ['vip_enterprise', 'admin'] %}
+                        <span class="btn btn-secondary w-100 mt-3 disabled">已升级</span>
+                        {% else %}
                         <button class="btn btn-primary w-100 mt-3">立即购买</button>
+                        {% endif %}
                     </div>
                 </div>
             </div>
             
             <!-- 企业会员 -->
-            <div class="col-md-4 mb-4">
+            <div class="col-lg-3 col-md-6 mb-4">
                 <div class="card pricing-card h-100">
                     <div class="card-body text-center">
                         <h4 class="card-title">企业会员</h4>
@@ -106,7 +142,11 @@
                             <li>✅ API接口调用</li>
                         </ul>
                         
+                        {% if user and user.user_type in ['vip_enterprise', 'admin'] %}
+                        <span class="btn btn-success w-100 mt-3 disabled">当前套餐</span>
+                        {% else %}
                         <button class="btn btn-outline-primary w-100 mt-3">联系购买</button>
+                        {% endif %}
                     </div>
                 </div>
             </div>

templates/profile.html

@@ -0,0 +1,349 @@
+<!DOCTYPE html>
+<html lang="zh-CN">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <title>个人中心 - PDF翻译助手</title>
+    <link rel="icon" href="/static/img/favicon.svg" type="image/svg+xml">
+    <link href="https://cdn.jsdelivr.net/npm/bootstrap@5.3.0/dist/css/bootstrap.min.css" rel="stylesheet">
+    <link href="/static/css/style.css" rel="stylesheet">
+    <style>
+        .balance-card { background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); }
+        .stat-item { border-left: 3px solid #dee2e6; padding-left: 12px; }
+    </style>
+</head>
+<body>
+    <nav class="navbar navbar-expand-lg navbar-dark bg-primary">
+        <div class="container">
+            <a class="navbar-brand" href="/">📄 PDF翻译助手</a>
+            <button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#navbarNav">
+                <span class="navbar-toggler-icon"></span>
+            </button>
+            <div class="collapse navbar-collapse" id="navbarNav">
+                <ul class="navbar-nav me-auto">
+                    <li class="nav-item"><a class="nav-link" href="/">首页</a></li>
+                    <li class="nav-item"><a class="nav-link" href="/pricing">会员套餐</a></li>
+                    <li class="nav-item"><a class="nav-link" href="/history">翻译历史</a></li>
+                    <li class="nav-item"><a class="nav-link active" href="/profile">个人中心</a></li>
+                </ul>
+                <div class="navbar-nav">
+                    <span class="nav-link text-light">👋 {{ user.username }}</span>
+                    <a class="nav-link" href="/logout">退出</a>
+                </div>
+            </div>
+        </div>
+    </nav>
+
+    <main class="container my-4">
+        <!-- 会员状态栏 -->
+        {% if user.user_type == 'vip_enterprise' %}
+        <div class="alert alert-dark py-2 mb-4 text-center">
+            <strong>👑 企业会员</strong> | 无限翻译 | 到期：{{ user.membership_expire.strftime('%Y-%m-%d') if user.membership_expire else '永久' }}
+        </div>
+        {% elif user.user_type == 'vip_pro' %}
+        <div class="alert alert-warning py-2 mb-4 text-center">
+            <strong>⭐ 专业会员</strong> | 每日200次·500页 | 到期：{{ user.membership_expire.strftime('%Y-%m-%d') if user.membership_expire else '永久' }}
+        </div>
+        {% elif user.user_type == 'vip_basic' %}
+        <div class="alert alert-success py-2 mb-4 text-center">
+            <strong>💚 基础会员</strong> | 每日50次·100页 | 到期：{{ user.membership_expire.strftime('%Y-%m-%d') if user.membership_expire else '永久' }}
+        </div>
+        {% else %}
+        <div class="alert alert-info py-2 mb-4 text-center">
+            <strong>👤 免费用户</strong> | 每日10次·50页 | <a href="/pricing" class="alert-link">升级会员</a>
+        </div>
+        {% endif %}
+
+        <div class="row">
+            <!-- 左侧：账户余额 -->
+            <div class="col-md-4 mb-4">
+                <div class="card balance-card text-white h-100">
+                    <div class="card-body text-center">
+                        <h5 class="card-title mb-3">💰 账户余额</h5>
+                        <div class="balance-amount my-4">
+                            <span class="fs-1 fw-bold">¥{{ "%.2f"|format(user.balance) }}</span>
+                        </div>
+                        <div class="d-grid gap-2">
+                            <button class="btn btn-light" onclick="showRechargeModal()">充值</button>
+                            <button class="btn btn-outline-light" onclick="showRefundModal()">申请退款</button>
+                        </div>
+                    </div>
+                </div>
+            </div>
+
+            <!-- 右侧：使用统计 -->
+            <div class="col-md-8 mb-4">
+                <div class="card h-100">
+                    <div class="card-header">
+                        <h5 class="mb-0">📊 使用统计</h5>
+                    </div>
+                    <div class="card-body">
+                        <div class="row">
+                            <div class="col-6 stat-item mb-3">
+                                <small class="text-muted">今日翻译</small>
+                                <div class="fs-4 fw-bold text-primary">{{ user.daily_count }}</div>
+                            </div>
+                            <div class="col-6 stat-item mb-3">
+                                <small class="text-muted">累计翻译</small>
+                                <div class="fs-4 fw-bold">{{ user.total_count }}</div>
+                            </div>
+                            <div class="col-6 stat-item mb-3">
+                                <small class="text-muted">剩余次数</small>
+                                <div class="fs-4 fw-bold text-success">{{ daily_remaining }}</div>
+                            </div>
+                            <div class="col-6 stat-item mb-3">
+                                <small class="text-muted">最大页数</small>
+                                <div class="fs-4 fw-bold">{{ max_pages }}页</div>
+                            </div>
+                        </div>
+                    </div>
+                </div>
+            </div>
+        </div>
+
+        <!-- 账户流水 -->
+        <div class="card mb-4">
+            <div class="card-header d-flex justify-content-between align-items-center">
+                <h5 class="mb-0">📜 账户流水</h5>
+                <select class="form-select form-select-sm" id="transactionFilter" style="width: auto;">
+                    <option value="all">全部</option>
+                    <option value="recharge">充值</option>
+                    <option value="refund">退款</option>
+                    <option value="purchase">购买会员</option>
+                    <option value="consume">消费</option>
+                </select>
+            </div>
+            <div class="card-body">
+                <div id="transactionsList">
+                    <table class="table table-striped">
+                        <thead>
+                            <tr>
+                                <th>时间</th>
+                                <th>类型</th>
+                                <th>金额</th>
+                                <th>余额变化</th>
+                                <th>描述</th>
+                            </tr>
+                        </thead>
+                        <tbody id="transactionBody">
+                            <!-- 动态加载 -->
+                        </tbody>
+                    </table>
+                </div>
+            </div>
+        </div>
+
+        <!-- 会员购买记录 -->
+        <div class="card">
+            <div class="card-header">
+                <h5 class="mb-0">🎫 会员购买记录</h5>
+            </div>
+            <div class="card-body">
+                <div id="membershipPurchases">
+                    <table class="table">
+                        <thead>
+                            <tr>
+                                <th>套餐</th>
+                                <th>金额</th>
+                                <th>有效期</th>
+                                <th>状态</th>
+                                <th>时间</th>
+                            </tr>
+                        </thead>
+                        <tbody id="purchaseBody">
+                            <!-- 动态加载 -->
+                        </tbody>
+                    </table>
+                </div>
+            </div>
+        </div>
+    </main>
+
+    <!-- 充值模态框 -->
+    <div class="modal fade" id="rechargeModal" tabindex="-1">
+        <div class="modal-dialog">
+            <div class="modal-content">
+                <div class="modal-header">
+                    <h5 class="modal-title">充值</h5>
+                    <button type="button" class="btn-close" data-bs-dismiss="modal"></button>
+                </div>
+                <div class="modal-body">
+                    <form id="rechargeForm">
+                        <div class="mb-3">
+                            <label class="form-label">充值金额（元）</label>
+                            <input type="number" class="form-control" id="rechargeAmount" min="10" max="10000" step="10" value="100" required>
+                        </div>
+                        <div class="mb-3">
+                            <label class="form-label">支付方式</label>
+                            <select class="form-select" id="paymentMethod">
+                                <option value="balance">余额支付</option>
+                                <option value="alipay">支付宝</option>
+                                <option value="wechat">微信支付</option>
+                            </select>
+                        </div>
+                        <div class="alert alert-info">
+                            <small>提示：当前为演示模式，充值将直接到账</small>
+                        </div>
+                    </form>
+                </div>
+                <div class="modal-footer">
+                    <button type="button" class="btn btn-secondary" data-bs-dismiss="modal">取消</button>
+                    <button type="button" class="btn btn-primary" onclick="submitRecharge()">确认充值</button>
+                </div>
+            </div>
+        </div>
+    </div>
+
+    <!-- 退款模态框 -->
+    <div class="modal fade" id="refundModal" tabindex="-1">
+        <div class="modal-dialog">
+            <div class="modal-content">
+                <div class="modal-header">
+                    <h5 class="modal-title">申请退款</h5>
+                    <button type="button" class="btn-close" data-bs-dismiss="modal"></button>
+                </div>
+                <div class="modal-body">
+                    <form id="refundForm">
+                        <div class="mb-3">
+                            <label class="form-label">当前余额</label>
+                            <input type="text" class="form-control" value="¥{{ "%.2f"|format(user.balance) }}" readonly>
+                        </div>
+                        <div class="mb-3">
+                            <label class="form-label">退款金额（元）</label>
+                            <input type="number" class="form-control" id="refundAmount" min="1" max="{{ user.balance }}" step="1" value="{{ user.balance }}" required>
+                        </div>
+                        <div class="mb-3">
+                            <label class="form-label">退款原因</label>
+                            <textarea class="form-control" id="refundReason" rows="3" placeholder="请填写退款原因" required></textarea>
+                        </div>
+                        <div class="alert alert-warning">
+                            <small>⚠️ 退款申请需要管理员审核，审核通过后余额将扣除</small>
+                        </div>
+                    </form>
+                </div>
+                <div class="modal-footer">
+                    <button type="button" class="btn btn-secondary" data-bs-dismiss="modal">取消</button>
+                    <button type="button" class="btn btn-warning" onclick="submitRefund()">提交申请</button>
+                </div>
+            </div>
+        </div>
+    </div>
+
+    <script src="https://cdn.jsdelivr.net/npm/bootstrap@5.3.0/dist/js/bootstrap.bundle.min.js"></script>
+    <script>
+        // 加载账户流水
+        function loadTransactions(type = 'all') {
+            fetch('/api/profile/transactions?type=' + type)
+                .then(r => r.json())
+                .then(data => {
+                    const tbody = document.getElementById('transactionBody');
+                    tbody.innerHTML = data.transactions.map(t => {
+                        const typeMap = {
+                            'recharge': '充值',
+                            'refund': '退款',
+                            'purchase': '购买会员',
+                            'consume': '消费',
+                            'refund_purchase': '会员退款'
+                        };
+                        const typeClass = {
+                            'recharge': 'text-success',
+                            'refund': 'text-warning',
+                            'purchase': 'text-primary',
+                            'consume': 'text-danger',
+                            'refund_purchase': 'text-info'
+                        };
+                        return `<tr>
+                            <td>${t.created_at}</td>
+                            <td><span class="${typeClass[t.transaction_type]}">${typeMap[t.transaction_type]}</span></td>
+                            <td class="${t.amount > 0 ? 'text-success' : 'text-danger'}">¥${t.amount.toFixed(2)}</td>
+                            <td>¥${t.balance_before.toFixed(2)} → ¥${t.balance_after.toFixed(2)}</td>
+                            <td>${t.description || '-'}</td>
+                        </tr>`;
+                    }).join('');
+                });
+        }
+
+        // 加载会员购买记录
+        function loadPurchases() {
+            fetch('/api/profile/purchases')
+                .then(r => r.json())
+                .then(data => {
+                    const tbody = document.getElementById('purchaseBody');
+                    tbody.innerHTML = data.purchases.map(p => {
+                        const statusMap = { 'completed': '已完成', 'pending': '待支付', 'refunded': '已退款' };
+                        const statusClass = { 'completed': 'text-success', 'pending': 'text-warning', 'refunded': 'text-info' };
+                        return `<tr>
+                            <td>${p.plan_name}</td>
+                            <td>¥${p.price.toFixed(2)}</td>
+                            <td>${p.period_days}天（至${p.expire_after || '永久'})</td>
+                            <td><span class="${statusClass[p.status]}">${statusMap[p.status]}</span></td>
+                            <td>${p.created_at}</td>
+                        </tr>`;
+                    }).join('');
+                });
+        }
+
+        // 充值
+        function showRechargeModal() {
+            new bootstrap.Modal(document.getElementById('rechargeModal')).show();
+        }
+
+        function submitRecharge() {
+            const amount = parseFloat(document.getElementById('rechargeAmount').value);
+            const method = document.getElementById('paymentMethod').value;
+            
+            fetch('/api/profile/recharge', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify({ amount, payment_method: method })
+            })
+            .then(r => r.json())
+            .then(data => {
+                if (data.success) {
+                    alert('充值成功！余额：¥' + data.balance.toFixed(2));
+                    location.reload();
+                } else {
+                    alert('充值失败：' + data.error);
+                }
+            });
+        }
+
+        // 退款
+        function showRefundModal() {
+            if ({{ user.balance }} <= 0) {
+                alert('余额不足，无法退款');
+                return;
+            }
+            new bootstrap.Modal(document.getElementById('refundModal')).show();
+        }
+
+        function submitRefund() {
+            const amount = parseFloat(document.getElementById('refundAmount').value);
+            const reason = document.getElementById('refundReason').value;
+            
+            fetch('/api/profile/refund', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify({ amount, reason })
+            })
+            .then(r => r.json())
+            .then(data => {
+                if (data.success) {
+                    alert('退款申请已提交，等待管理员审核');
+                    location.reload();
+                } else {
+                    alert('申请失败：' + data.error);
+                }
+            });
+        }
+
+        // 初始化
+        loadTransactions();
+        loadPurchases();
+
+        document.getElementById('transactionFilter').addEventListener('change', function() {
+            loadTransactions(this.value);
+        });
+    </script>
+</body>
+</html>