feat(chat): 新增免费额度与VIP校验逻辑

在聊天接口中增加用户免费次数及VIP身份校验，未通过时返回新错误码50022；
调用成功后若使用免费额度则自动扣减，保障额度体系闭环。

src/main/java/com/yolo/keyborad/common/ErrorCode.java

@@ -56,7 +56,8 @@ public enum ErrorCode {
     PRODUCT_QUOTA_NOT_SET(50018, "商品额度未配置"),
     LACK_ORIGIN_TRANSACTION_ID_ERROR(50019, "缺少原始交易id"),
     UNKNOWN_PRODUCT_TYPE(50020, "未知商品类型"),
-    PRODUCT_NOT_FOUND(50021, "商品不存在");
+    PRODUCT_NOT_FOUND(50021, "商品不存在"),
+    NO_QUOTA_AND_NOT_VIP(50022, "免费次数已用完，请开通VIP");
 
     /**
      * 状态码

src/main/java/com/yolo/keyborad/service/impl/ChatServiceImpl.java

@@ -11,10 +11,10 @@ import com.yolo.keyborad.exception.BusinessException;
 import com.yolo.keyborad.model.dto.chat.ChatReq;
 import com.yolo.keyborad.model.dto.chat.ChatStreamMessage;
 import com.yolo.keyborad.model.entity.KeyboardCharacter;
+import com.yolo.keyborad.model.entity.KeyboardUser;
 import com.yolo.keyborad.model.entity.KeyboardUserCallLog;
-import com.yolo.keyborad.service.ChatService;
+import com.yolo.keyborad.model.entity.KeyboardUserQuotaTotal;
-import com.yolo.keyborad.service.KeyboardCharacterService;
+import com.yolo.keyborad.service.*;
-import com.yolo.keyborad.service.KeyboardUserCallLogService;
 import jakarta.annotation.Resource;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.ai.chat.client.ChatClient;
@@ -55,6 +55,12 @@ public class ChatServiceImpl implements ChatService {
     @Resource
     private KeyboardUserCallLogService callLogService;
 
+    @Resource
+    private KeyboardUserQuotaTotalService quotaTotalService;
+
+    @Resource
+    private UserService userService;
+
     private final NacosAppConfigCenter.DynamicAppConfig cfgHolder;
 
     public ChatServiceImpl(NacosAppConfigCenter.DynamicAppConfig cfgHolder) {
@@ -105,6 +111,22 @@ public class ChatServiceImpl implements ChatService {
             throw new BusinessException(ErrorCode.CHAT_CHARACTER_NOT_FOUND);
         }
 
+        // ============ 3. 校验用户免费次数和VIP ============
+        Long userId = StpUtil.getLoginIdAsLong();
+        KeyboardUserQuotaTotal quota = quotaTotalService.getById(userId);
+        boolean hasFreeQuota = quota != null && quota.getUsedQuota() < quota.getTotalQuota();
+        AtomicReference<Boolean> usedFreeQuota = new AtomicReference<>(hasFreeQuota);
+
+        if (!hasFreeQuota) {
+            KeyboardUser user = userService.getById(userId);
+            boolean isValidVip = user != null && user.getIsVip() != null && user.getIsVip()
+                && (user.getVipExpiry() == null || user.getVipExpiry().after(new Date()));
+            if (!isValidVip) {
+                log.error("用户无免费次数且非VIP，用户ID: {}", userId);
+                throw new BusinessException(ErrorCode.NO_QUOTA_AND_NOT_VIP);
+            }
+        }
+
         // 获取应用配置
 
         // ============ 初始化调用日志相关变量 ============
@@ -260,6 +282,14 @@ public class ChatServiceImpl implements ChatService {
                             callLog.setCreatedAt(new Date());
                             // 保存日志到数据库
                             callLogService.save(callLog);
+
+                            // 如果使用了免费次数且调用成功，扣减免费次数
+                            if (usedFreeQuota.get() && callLog.getSuccess()) {
+                                KeyboardUserQuotaTotal updateQuota = new KeyboardUserQuotaTotal();
+                                updateQuota.setUserId(callLog.getUserId());
+                                updateQuota.setUsedQuota(quota.getUsedQuota() + 1);
+                                quotaTotalService.updateById(updateQuota);
+                            }
                         } catch (Exception e) {
                             log.error("保存调用日志失败", e);
                         }