feat(ai): Copilot 评分引擎 + Handler + 路由 + 权限码

- scoring.rs: 混合评分 (calculate_risk) + RiskScore/MatchedRule 结构
- engine.rs: CopilotEngine 协调规则评估和评分
- risk_service.rs: 风险计算 + UPSERT 快照 + 规则加载
- insight_service.rs: 洞察 CRUD + 过期清理
- 3 个 Handler: insight/risk/rule，7 个 API 端点
- 5 个权限码: copilot.insights.list/manage, copilot.risk.view, copilot.rules.list/manage
- AiState 扩展 risk_service + insight_service

crates/erp-ai/src/dto/copilot.rs

@@ -0,0 +1,52 @@
+use serde::{Deserialize, Serialize};
+
+#[derive(Debug, Deserialize)]
+pub struct ListInsightsQuery {
+    pub patient_id: Option<uuid::Uuid>,
+    pub insight_type: Option<String>,
+    pub severity: Option<String>,
+    pub page: Option<u64>,
+    pub page_size: Option<u64>,
+}
+
+#[derive(Debug, Serialize, Deserialize)]
+#[serde(rename_all = "snake_case")]
+pub enum InsightType {
+    RiskScore,
+    Anomaly,
+    FollowUpHint,
+    ConsultHint,
+}
+
+#[derive(Debug, Serialize, Deserialize)]
+#[serde(rename_all = "snake_case")]
+pub enum RiskLevel {
+    Low,
+    Medium,
+    High,
+    Critical,
+}
+
+#[derive(Debug, Deserialize)]
+pub struct CreateRuleBody {
+    pub name: String,
+    pub category: String,
+    pub condition_expr: serde_json::Value,
+    pub score: i16,
+    pub severity: String,
+    pub suggestion: Option<String>,
+    pub enabled: Option<bool>,
+    pub sort_order: Option<i32>,
+}
+
+#[derive(Debug, Deserialize)]
+pub struct UpdateRuleBody {
+    pub name: Option<String>,
+    pub category: Option<String>,
+    pub condition_expr: Option<serde_json::Value>,
+    pub score: Option<i16>,
+    pub severity: Option<String>,
+    pub suggestion: Option<String>,
+    pub enabled: Option<bool>,
+    pub sort_order: Option<i32>,
+}

crates/erp-ai/src/dto/mod.rs

@@ -1,3 +1,4 @@
+pub mod copilot;
 pub mod suggestion;
 
 use serde::{Deserialize, Serialize};