feat: 新增合同审查定时任务与积分体系，重构支付模块与余额流水查询

uniCloud-tcb/database/jjx-points-log.schema.json

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+{"bsonType":"object","required":[],"properties":{"_id":{"description":"记录ID，系统自动生成","bsonType":"string"},"user_id":{"bsonType":"string","title":"用户ID","description":"关联 uni-id-users._id","foreignKey":"uni-id-users._id"},"type":{"bsonType":"string","title":"变动类型","description":"earn=获得 spend=消耗","enum":[{"text":"获得","value":"earn"},{"text":"消耗","value":"spend"}]},"amount":{"bsonType":"number","title":"变动数量","description":"正数为获得，负数为消耗"},"balance_after":{"bsonType":"number","title":"变动后余额","description":"本次变动后的积分余额"},"reason":{"bsonType":"string","title":"变动原因","description":"如：新用户赠送、积分充值、合同审查消耗","trim":"both"},"biz_type":{"bsonType":"string","title":"业务类型","description":"关联的业务类型","enum":[{"text":"赠送","value":"gift"},{"text":"充值","value":"recharge"},{"text":"合同审查","value":"contract_review"},{"text":"签到","value":"checkin"},{"text":"其他","value":"other"}]},"biz_id":{"bsonType":"string","title":"业务ID","description":"关联的业务记录ID（如订单ID）"},"_add_time":{"bsonType":"date","title":"创建时间","description":"记录创建时间，系统自动填充"}}}

uniCloud-tcb/database/jjx-review-records.schema.json

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+{"bsonType":"object","required":[],"properties":{"_id":{"description":"记录ID，系统自动生成","bsonType":"string"},"user_id":{"bsonType":"string","title":"用户ID","description":"关联 uni-id-users._id","foreignKey":"uni-id-users._id"},"file_name":{"bsonType":"string","title":"文件名","description":"上传的合同文件名","trim":"both"},"file_size":{"bsonType":"number","title":"文件大小","description":"文件大小（字节）"},"file_id":{"bsonType":"string","title":"扣子文件ID","description":"上传到扣子后的 file_id"},"file_url":{"bsonType":"string","title":"文件预览地址","description":"uniCloud 云存储临时链接，用于查看\/下载原文件"},"html_url":{"bsonType":"string","title":"HTML报告地址","description":"精美 HTML 审查报告链接"},"pdf_url":{"bsonType":"string","title":"PDF报告地址","description":"PDF 审查报告下载链接"},"contract_info":{"bsonType":"object","title":"合同结构化信息","description":"AI 返回的合同名称、风险等级、风险统计等"},"chat_id":{"bsonType":"string","title":"对话ID","description":"扣子对话 chat_id"},"conversation_id":{"bsonType":"string","title":"会话ID","description":"扣子会话 conversation_id"},"status":{"bsonType":"string","title":"审查状态","description":"uploaded=待审查 reviewing=等待处理 processing=审查中 completed=已完成 failed=失败","enum":[{"text":"待审查","value":"uploaded"},{"text":"等待处理","value":"reviewing"},{"text":"审查中","value":"processing"},{"text":"已完成","value":"completed"},{"text":"失败","value":"failed"}]},"result":{"bsonType":"string","title":"审查结果","description":"AI 返回的审查结果内容"},"points_used":{"bsonType":"number","title":"消耗积分","description":"本次审查消耗的积分数量（token_count \/ 100）"},"token_count":{"bsonType":"number","title":"Token消耗","description":"扣子返回的 token 总消耗"},"_add_time":{"bsonType":"date","title":"创建时间","description":"记录创建时间"},"update_time":{"bsonType":"date","title":"更新时间","description":"最后更新时间"}}}

uniCloud-tcb/database/jjx-user-points.schema.json

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+{"bsonType":"object","required":[],"properties":{"_id":{"description":"用户ID（与 uni-id-users._id 对应）","bsonType":"string"},"balance":{"bsonType":"number","title":"积分余额","description":"当前可用积分","defaultValue":0,"minimum":0},"total_earned":{"bsonType":"number","title":"累计获得","description":"累计获得的积分总数","defaultValue":0},"total_spent":{"bsonType":"number","title":"累计消耗","description":"累计消耗的积分总数","defaultValue":0},"gift":{"bsonType":"number","title":"赠送积分","description":"新用户赠送的积分数量","defaultValue":500},"update_time":{"bsonType":"date","title":"更新时间","description":"最后更新时间"}}}