feat(payment): 新增线下付款方式及相关订单状态支持

- 支付页面新增线下付款选项，支持微信转账付款方式
- 订单流程新增线下付款待确认（offline_pending）阶段
- 订单详情与订单卡片显示线下付款状态及提示信息
- 支付接口和模型增加线下付款支付方式（payType=9）支持
- 订单列表页区分线下付款待确认与待收款状态
- 地址编辑页修复智能识别按钮无法点击问题，调整布局避免被Textarea遮挡

src/pages/shop/checkout.tsx

@@ -125,7 +125,13 @@ const CheckoutPage: React.FC = () => {
   const [rushBuyProducts, setRushBuyProducts] = useState<ShopGoods[]>([])
 
   // 支付方式相关状态
-  const [payType, setPayType] = useState<number>(8) // 8: 货到付款
+  const [payType, setPayType] = useState<number>(8) // 8: 货到付款（默认），9: 线下付款
+
+  // 支付方式选项
+  const PAYMENT_OPTIONS = [
+    { id: 8, name: '货到付款', desc: '送达时支付', icon: '货', bgColor: '#f0fdf4', iconBg: '#dbeafe', iconColor: '#2563eb', borderColor: '#22c55e' },
+    { id: 9, name: '线下付款', desc: '微信转账，商家确认后发货', icon: '线', bgColor: '#fffbeb', iconBg: '#fef3c7', iconColor: '#d97706', borderColor: '#f59e0b' },
+  ]
 
   // 从本地存储获取立即购买的数据
   const buyNowItems = useMemo(() => {
@@ -263,7 +269,8 @@ const CheckoutPage: React.FC = () => {
         specInfo: item.skuSpec || item.sku?.sku || item.product?.specName,
       }))
 
-      // 货到付款：后端会自动设置 payStatus=true，无需前端传递 payStatus/payTime
+      // 货到付款(8)：后端会自动设置 payStatus=true，无需前端传递 payStatus/payTime
+      // 线下付款(9)：后端会设置 payStatus=false，等待商家确认收款后才设为 true
       const orderParams: OrderCreateRequest = {
         goodsItems,
         addressId: defaultAddress.id,
@@ -441,25 +448,45 @@ const CheckoutPage: React.FC = () => {
           <View className='bg-white rounded-lg mt-3 p-3'>
             <Text className='text-sm font-medium text-gray-800 mb-3 block'>支付方式</Text>
 
-            {/* 货到付款 */}
-            <View
-              className='flex items-center py-3 px-2 rounded-lg'
-              style={{ backgroundColor: '#f0fdf4' }}
-            >
-              <View className='w-8 h-8 rounded-full bg-blue-50 flex items-center justify-center mr-3'>
-                <Text className='text-sm'>货</Text>
+            {PAYMENT_OPTIONS.map((option) => {
+              const selected = payType === option.id
+              return (
+                <View
+                  key={option.id}
+                  className='flex items-center py-3 px-2 rounded-lg mb-2'
+                  style={{ backgroundColor: selected ? option.bgColor : '#f9fafb' }}
+                  onClick={() => setPayType(option.id)}
+                >
+                  <View
+                    className='w-8 h-8 rounded-full flex items-center justify-center mr-3'
+                    style={{ backgroundColor: option.iconBg }}
+                  >
+                    <Text className='text-sm' style={{ color: option.iconColor }}>{option.icon}</Text>
+                  </View>
+                  <View className='flex-1'>
+                    <Text className='text-sm text-gray-800 block'>{option.name}</Text>
+                    <Text className='text-xs text-gray-400 block'>{option.desc}</Text>
+                  </View>
+                  <View
+                    className='w-5 h-5 rounded-full border-2 flex items-center justify-center'
+                    style={{ borderColor: selected ? option.borderColor : '#d1d5db' }}
+                  >
+                    {selected && (
+                      <View className='w-2 h-2 rounded-full' style={{ backgroundColor: option.borderColor }} />
+                    )}
+                  </View>
+                </View>
+              )
+            })}
+
+            {/* 线下付款选中时显示提示 */}
+            {payType === 9 && (
+              <View className='mt-2 p-2 rounded-lg' style={{ backgroundColor: '#fef3c7' }}>
+                <Text className='text-xs text-orange-600'>
+                  请下单后通过微信转账付款，商家确认收款后发货。
+                </Text>
               </View>
-              <View className='flex-1'>
-                <Text className='text-sm text-gray-800 block'>货到付款</Text>
-                <Text className='text-xs text-gray-400 block'>送达时支付</Text>
-              </View>
-              <View
-                className='w-5 h-5 rounded-full border-2 flex items-center justify-center'
-                style={{ borderColor: '#22c55e' }}
-              >
-                <View className='w-2 h-2 rounded-full' style={{ backgroundColor: '#22c55e' }} />
-              </View>
-            </View>
+            )}
           </View>
 
           {/* 凑单推荐 */}