fix(pre-planting): 签署合同前检查实名认证 + 修正合同金额

- getMergeContractPdf: KYC 为 null 时返回 400，不允许查看合同
- getMergeContractPdf: 从源订单汇总实际绿积分金额，CNY = 绿积分 × 1.1
- Flutter: KYC 错误时显示专用提示 + "去完成实名认证" 按钮

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

backend/services/planting-service/src/pre-planting/application/services/pre-planting-application.service.ts

@@ -406,10 +406,19 @@ export class PrePlantingApplicationService {
       return m;
     });
 
-    // 获取用户 KYC 信息
-    const kycInfo = await this.identityServiceClient.getUserKycInfo(
-      merge.accountSequence,
-    );
+    // 获取用户 KYC 信息 - 未完成实名认证则不允许查看合同
+    const kycInfo = await this.identityServiceClient.getUserKycInfo(merge.accountSequence);
+    if (!kycInfo || !kycInfo.realName) {
+      throw new BadRequestException('请先完成实名认证方可查看和签署合同');
+    }
+
+    // 从源订单汇总实际支付的绿积分金额
+    const sourceOrders = await this.prisma.prePlantingOrder.findMany({
+      where: { orderNo: { in: merge.sourceOrderNos } },
+      select: { totalAmount: true },
+    });
+    const greenPointsAmount = sourceOrders.reduce((sum, o) => sum + o.totalAmount, 0);
+    const totalAmount = Math.round(greenPointsAmount * 1.1 * 100) / 100; // 含税 CNY
 
     // 生成北京时间日期
     const now = new Date(Date.now() + 8 * 60 * 60 * 1000);
@@ -417,10 +426,12 @@ export class PrePlantingApplicationService {
 
     return this.pdfGeneratorService.generateContractPdf({
       contractNo: mergeNo,
-      userRealName: kycInfo?.realName || '未认证',
-      userIdCard: kycInfo?.idCardNumber || '',
-      userPhone: kycInfo?.phoneNumber || '',
+      userRealName: kycInfo.realName,
+      userIdCard: kycInfo.idCardNumber || '',
+      userPhone: kycInfo.phoneNumber || '',
       treeCount: merge.treeCount,
+      totalAmount,
+      greenPointsAmount,
       signingDate,
     });
   }

frontend/mobile-app/lib/features/pre_planting/presentation/pages/pre_planting_merge_signing_page.dart

@@ -7,6 +7,7 @@ import 'package:go_router/go_router.dart';
 import 'package:path_provider/path_provider.dart';
 import '../../../../core/di/injection_container.dart';
 import '../../../../core/services/pre_planting_service.dart';
+import '../../../../routes/route_paths.dart';
 import '../../../contract_signing/presentation/widgets/signature_pad.dart';
 
 /// 预种合并合同签署页面
@@ -38,6 +39,7 @@ class _PrePlantingMergeSigningPageState
   bool _isSubmitting = false;
   bool _showSignaturePad = false;
   String? _errorMessage;
+  bool _isKycRequired = false;
   int _downloadProgress = 0;
   int _downloadRetryCount = 0;
 
@@ -90,10 +92,13 @@ class _PrePlantingMergeSigningPageState
     } catch (e) {
       debugPrint('[MergeSigningPage] PDF加载失败: $e');
       if (mounted) {
+        final msg = e.toString();
+        final isKyc = msg.contains('实名认证') || msg.contains('400');
         setState(() {
           _isPdfLoading = false;
-          _downloadRetryCount++;
-          _errorMessage = '加载合同失败，请点击重试';
+          _isKycRequired = isKyc;
+          _errorMessage = isKyc ? '请先完成实名认证方可查看和签署合同' : '加载合同失败，请点击重试';
+          if (!isKyc) _downloadRetryCount++;
         });
       }
     }
@@ -306,8 +311,11 @@ class _PrePlantingMergeSigningPageState
           child: Column(
             mainAxisAlignment: MainAxisAlignment.center,
             children: [
-              const Icon(Icons.cloud_download_outlined,
-                  color: Color(0xFFD4AF37), size: 56),
+              Icon(
+                _isKycRequired ? Icons.person_off_outlined : Icons.cloud_download_outlined,
+                color: _isKycRequired ? Colors.red : const Color(0xFFD4AF37),
+                size: 56,
+              ),
               const SizedBox(height: 16),
               Text(
                 _errorMessage!,
@@ -315,17 +323,29 @@ class _PrePlantingMergeSigningPageState
                 textAlign: TextAlign.center,
               ),
               const SizedBox(height: 24),
-              ElevatedButton.icon(
-                onPressed: _loadPdf,
-                style: ElevatedButton.styleFrom(
-                    backgroundColor: const Color(0xFFD4AF37),
-                    padding: const EdgeInsets.symmetric(
-                        horizontal: 32, vertical: 12)),
-                icon: const Icon(Icons.refresh, color: Colors.white),
-                label: const Text('重试',
-                    style: TextStyle(color: Colors.white, fontSize: 16)),
-              ),
-              if (_downloadRetryCount > 0)
+              if (_isKycRequired)
+                ElevatedButton.icon(
+                  onPressed: () => context.push(RoutePaths.kycEntry),
+                  style: ElevatedButton.styleFrom(
+                      backgroundColor: Colors.red,
+                      padding: const EdgeInsets.symmetric(
+                          horizontal: 32, vertical: 12)),
+                  icon: const Icon(Icons.verified_user, color: Colors.white),
+                  label: const Text('去完成实名认证',
+                      style: TextStyle(color: Colors.white, fontSize: 16)),
+                )
+              else
+                ElevatedButton.icon(
+                  onPressed: _loadPdf,
+                  style: ElevatedButton.styleFrom(
+                      backgroundColor: const Color(0xFFD4AF37),
+                      padding: const EdgeInsets.symmetric(
+                          horizontal: 32, vertical: 12)),
+                  icon: const Icon(Icons.refresh, color: Colors.white),
+                  label: const Text('重试',
+                      style: TextStyle(color: Colors.white, fontSize: 16)),
+                ),
+              if (!_isKycRequired && _downloadRetryCount > 0)
                 Padding(
                   padding: const EdgeInsets.only(top: 12),
                   child: Text(