补充上传协议和实名认证

src/components/realNameCheck.tsx

@@ -0,0 +1,31 @@
+import { useEffect } from "react"
+import { useNavigate } from "react-router-dom"
+import { toast } from "sonner"
+import { useDashboardStore } from "@/components/stores/dashboard"
+import { useProfileStore } from "@/components/stores/profile"
+
+// ==================== 前台购买/支付页面实名检查 ====================
+// 已登录但未实名的用户访问购买/支付页面时：提示并跳转个人中心完成实名认证。
+// 未登录用户不拦截（下单时走登录流程）。参考 juipnet 老项目做法。
+export default function RealNameCheck() {
+  const navigate = useNavigate()
+  const token = useProfileStore(state => state.token)
+  const verified = useDashboardStore(state => state.verified)
+  const data = useDashboardStore(state => state.data)
+  const refresh = useDashboardStore(state => state.refresh)
+
+  // 无缓存时先拉取实名状态
+  useEffect(() => {
+    if (token && !data) refresh()
+  }, [token, data, refresh])
+
+  useEffect(() => {
+    if (!token || verified !== false) return
+    toast.error(
+      "接主管部门要求，会员需要实名认证方可使用该产品，请先前往个人中心完成实名认证",
+    )
+    navigate("/admin", { replace: true })
+  }, [token, verified, navigate])
+
+  return null
+}