feat(tenant): bill AI points by output characters

Previously AI point cost was computed from request (input) characters at
reservation time. Switch to reserving a single point up front and
settling the final cost from the generated output length on completion.

- Reserve 1 point (or FixedPoints) instead of pricing on request chars
- On completion, recompute points from output chars vs base chars,
  update the reservation amounts, and post a ledger delta for the
  top-up/refund; invalidate the workspace quota summary cache
- MarkCompleted now persists final request_chars/base_chars/points
- Use ceil division in calculateAIPointCost so an exact base boundary
  charges one point instead of rolling over
- Thread output text through all CompleteAIPoints callers (article
  selection, KOL assist, question expansion, template assist, compliance
  judge) and return the settled reservation
- Add unit tests plus an integration test gated on TEST_DATABASE_URL
- Update the user manual: billing is by output characters

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

server/internal/tenant/compliance/service.go

@@ -1139,7 +1139,7 @@ func (s *Service) ProcessReviewJob(ctx context.Context, msg ReviewJobMessage) er
 		_ = s.refundComplianceLLMJudgePoints(context.Background(), job, reservation, err)
 		return s.failReviewJob(ctx, job.ID, cfg.ReviewMaxAttempts, err)
 	}
-	if err := s.completeComplianceLLMJudgePoints(ctx, job, reservation, result.Model); err != nil && s.logger != nil {
+	if err := s.completeComplianceLLMJudgePoints(ctx, job, reservation, result.Model, result.Content); err != nil && s.logger != nil {
 		s.logger.Warn("compliance llm billing completion failed",
 			zap.Error(err),
 			zap.Int64("tenant_id", job.TenantID),
@@ -1348,7 +1348,7 @@ func (s *Service) reserveComplianceLLMJudgePoints(ctx context.Context, job revie
 		return nil, err
 	}
 	requestChars := countAIPointChars(meteredText)
-	points := calculateAIPointCost(requestChars, status.BaseChars)
+	points := 1
 	if status.Total <= 0 || status.Balance < points {
 		return nil, response.ErrForbidden(40381, "ai_points_insufficient", "AI points are insufficient")
 	}
@@ -1416,7 +1416,7 @@ func (s *Service) reserveComplianceLLMJudgePoints(ctx context.Context, job revie
 	}, nil
 }
 
-func (s *Service) completeComplianceLLMJudgePoints(ctx context.Context, job reviewJob, reservation *aiPointReservation, model string) error {
+func (s *Service) completeComplianceLLMJudgePoints(ctx context.Context, job reviewJob, reservation *aiPointReservation, model string, meteredOutputText string) error {
 	if s == nil || s.pool == nil || reservation == nil || reservation.ReservationID <= 0 || reservation.UsageLogID <= 0 {
 		return nil
 	}
@@ -1425,19 +1425,59 @@ func (s *Service) completeComplianceLLMJudgePoints(ctx context.Context, job revi
 		return err
 	}
 	defer rollbackTx(tx)
+	if err := lockTenantAIPoints(ctx, tx, job.TenantID); err != nil {
+		return err
+	}
 	pending, err := lockPendingAIPointUsage(ctx, tx, job.TenantID, reservation.UsageLogID)
 	if err != nil || !pending {
 		return err
 	}
-	if err := confirmAIPointReservationIfPending(ctx, tx, job.TenantID, reservation.ReservationID); err != nil {
+
+	baseChars := reservation.BaseChars
+	if baseChars <= 0 {
+		baseChars = 1000
+	}
+	outputChars := countAIPointChars(meteredOutputText)
+	finalPoints := calculateAIPointCost(outputChars, baseChars)
+	reservedPoints := reservation.Points
+	if reservedPoints <= 0 {
+		reservedPoints = 1
+	}
+
+	quotaRepo := tenantrepo.NewQuotaRepository(tx)
+	adjusted, err := completeAIPointReservationWithFinalAmountIfPending(ctx, tx, job.TenantID, reservation.ReservationID, finalPoints)
+	if err != nil {
 		return err
 	}
+	pointDelta := finalPoints - reservedPoints
+	if adjusted && pointDelta != 0 {
+		currentBalance, err := quotaRepo.GetCurrentBalance(ctx, job.TenantID, aiPointsQuotaType)
+		if err != nil {
+			return err
+		}
+		ledgerDelta := -pointDelta
+		reason := "ai_points_output_settle"
+		referenceType := "ai_point_usage"
+		usageID := reservation.UsageLogID
+		if _, err := quotaRepo.InsertQuotaLedger(ctx, tenantrepo.QuotaLedgerInput{
+			TenantID:      job.TenantID,
+			OperatorID:    job.CheckedBy,
+			QuotaType:     aiPointsQuotaType,
+			Delta:         ledgerDelta,
+			BalanceAfter:  currentBalance + ledgerDelta,
+			Reason:        &reason,
+			ReferenceType: &referenceType,
+			ReferenceID:   &usageID,
+		}); err != nil {
+			return err
+		}
+	}
 	var modelPtr *string
 	if strings.TrimSpace(model) != "" {
 		normalized := strings.TrimSpace(model)
 		modelPtr = &normalized
 	}
-	if err := tenantrepo.NewAIPointUsageRepository(tx).MarkCompleted(ctx, job.TenantID, reservation.UsageLogID, modelPtr); err != nil {
+	if err := tenantrepo.NewAIPointUsageRepository(tx).MarkCompleted(ctx, job.TenantID, reservation.UsageLogID, outputChars, baseChars, finalPoints, modelPtr); err != nil {
 		return err
 	}
 	return tx.Commit(ctx)
@@ -1502,7 +1542,7 @@ func calculateAIPointCost(chars, baseChars int) int {
 	if chars <= 0 {
 		return 1
 	}
-	return chars/baseChars + 1
+	return (chars + baseChars - 1) / baseChars
 }
 
 func lockTenantAIPoints(ctx context.Context, tx pgx.Tx, tenantID int64) error {
@@ -1527,6 +1567,30 @@ func lockPendingAIPointUsage(ctx context.Context, tx pgx.Tx, tenantID, usageLogI
 	return status == "pending", nil
 }
 
+func completeAIPointReservationWithFinalAmountIfPending(ctx context.Context, tx pgx.Tx, tenantID, reservationID int64, finalPoints int) (bool, error) {
+	if finalPoints <= 0 {
+		finalPoints = 1
+	}
+	tag, err := tx.Exec(ctx, `
+	UPDATE quota_reservations
+	SET status = 'confirmed',
+	    reserved_amount = $4,
+	    consumed_amount = $4,
+	    updated_at = NOW()
+	WHERE id = $1
+	  AND tenant_id = $2
+	  AND quota_type = $3
+	  AND status = 'pending'
+	`, reservationID, tenantID, aiPointsQuotaType, finalPoints)
+	if err != nil {
+		return false, err
+	}
+	if tag.RowsAffected() > 0 {
+		return true, nil
+	}
+	return false, ignoreAIPointReservationReset(ctx, tx, false, tenantID, reservationID)
+}
+
 func confirmAIPointReservationIfPending(ctx context.Context, tx pgx.Tx, tenantID, reservationID int64) error {
 	tag, err := tx.Exec(ctx, `
 	UPDATE quota_reservations