feat(billing): guide parents to recharge the child account

src/components/account/PointWallet.tsx

@@ -21,7 +21,7 @@ const money = (cents: number) => `¥${(cents / 100).toFixed(2)}`;
 const time = (value: string) => new Date(value).toLocaleString('zh-CN');
 const unresolved = (order: WorksRechargeOrder) => order.status === 'pending' || order.status === 'manual_review';
 
-export function PointWallet({ active = true }: { active?: boolean }) {
+export function PointWallet({ active = true, accountName = '当前登录账号', accountUsername }: { active?: boolean; accountName?: string; accountUsername?: string }) {
   const [summary, setSummary] = useState<WorksBillingSummary | null>(null);
   const [summaryError, setSummaryError] = useState(false);
   const [open, setOpen] = useState(false);
@@ -166,7 +166,7 @@ export function PointWallet({ active = true }: { active?: boolean }) {
       {own && <p className="mt-1 text-[11px] text-muted-foreground">永久有效 · 预占 {points(own.reserved)} 点</p>}
       {usingShared && <p className="mt-1 text-[11px] text-muted-foreground">AI 编程使用共享点数：{selected?.shared_available ? '可用' : '已用尽，请联系付款人'}</p>}
       {summary?.funding_error && <p className="mt-1 text-[11px] text-muted-foreground">{summary.funding_error}</p>}
-      {isWorksTokenPointBalanceExhausted(own) && !usingShared && <p className="mt-1 text-[11px] text-muted-foreground">{summary?.can_recharge ? '点数已用尽，充值后可继续使用。' : '点数已用尽，请联系家长。'}</p>}
+      {isWorksTokenPointBalanceExhausted(own) && !usingShared && <p className="mt-1 text-[11px] text-muted-foreground">{summary?.can_recharge ? '点数已用尽，请由家长完成当前账号充值。' : '点数已用尽，当前账号暂不能充值，请联系支持。'}</p>}
       {summaryError && <button className="mt-1 underline" onClick={() => void refreshSummary()}>重试余额</button>}
     </div>
     <button type="button" role="menuitem" data-testid="sidebar-point-wallet-open" className="flex min-h-10 w-full items-center gap-2 rounded-md px-1 text-left text-sm hover:bg-surface-subtle" onClick={() => { setOpen(true); setTab('recharge'); setOffset(0); }}><Coins className="h-4 w-4" />词元点数与充值</button>
@@ -192,6 +192,8 @@ export function PointWallet({ active = true }: { active?: boolean }) {
           </div>
           <Button variant="outline" size="sm" disabled={loading || busy} onClick={() => { setError(''); void refreshSummary(); void refreshPage(); }}><RefreshCw className="mr-1 h-3.5 w-3.5" />刷新</Button>
         </div>
+        <p className="text-sm" data-testid="point-recharge-recipient">充值到：{accountName}{accountUsername && accountUsername !== accountName ? `（${accountUsername}）` : ''}</p>
+        <p className="text-sm text-muted-foreground">为孩子充值时，请由家长登录孩子的账号完成付款。点数仅进入当前账号的钱包。</p>
         {summary?.funding_error && <p className="text-sm text-muted-foreground">{summary.funding_error}</p>}
         {usingShared && <p className="text-sm text-muted-foreground">AI 编程使用共享点数（{selected?.shared_available ? '可用' : '已用尽'}）。下方余额、充值与记录均属于你自己的钱包；充值不会自动切换付款来源。</p>}
         <div className="flex gap-2" role="tablist" aria-label="词元点数记录">{(['recharge', 'orders', 'history'] as const).map((value) => <Button key={value} role="tab" aria-selected={tab === value} variant={tab === value ? 'default' : 'outline'} onClick={() => { setTab(value); setOffset(0); }}>{value === 'recharge' ? '充值' : value === 'orders' ? '充值订单' : '收支记录'}</Button>)}</div>
@@ -199,7 +201,7 @@ export function PointWallet({ active = true }: { active?: boolean }) {
         {error && <p role="alert" className="text-sm text-destructive">{error}</p>}
         {loading && <p role="status" className="text-sm text-muted-foreground">正在读取记录…</p>}
         {tab === 'recharge' && <div className="grid gap-3">
-          {summary && !summary.can_recharge && <p className="text-sm text-muted-foreground">仅家长身份可以充值，请联系家长。你仍可查看自己的余额和收支。</p>}
+          {summary && !summary.can_recharge && <p className="text-sm text-muted-foreground">当前账号暂不能充值，请在社区账户页查看原因或联系支持。你仍可查看自己的余额和收支。</p>}
           {summary?.can_recharge && !summary.payment_configured && <p className="text-sm text-muted-foreground">充值暂未开放，请稍后再试。</p>}
           {pending && checkout?.id !== pending.id && <div className="rounded-lg border p-3 text-sm"><p>已有{labels[pending.status]}订单：{money(pending.amount_cents)} / {points(pending.point_amount)} 点。请先完成或联系运营核查。</p><Button variant="outline" className="mt-2" onClick={() => setCheckout(pending)}>查看原订单</Button></div>}
           {(!checkout || !unresolved(checkout)) && <div className="grid grid-cols-1 gap-2 sm:grid-cols-3">{summary?.recharge_products.map((product) => <Button key={product.id} className="h-auto flex-col gap-1 py-4" variant="outline" disabled={!loaded || busy || Boolean(pending) || !summary.can_recharge || !summary.payment_configured || Boolean(unknownProduct)} onClick={() => void purchase(product.id)}><span className="text-lg font-semibold">{points(product.point_amount)} 点</span><span>{money(product.amount_cents)}</span></Button>)}</div>}

src/components/layout/Sidebar.tsx

@@ -872,7 +872,7 @@ export function Sidebar({
             </div>
 
             <div className="mt-1 grid gap-0.5">
-              {authUser && <PointWallet key={authUser.userId ?? authUser.username} active={accountMenuOpen} />}
+              {authUser && <PointWallet key={authUser.userId ?? authUser.username} active={accountMenuOpen} accountName={accountName} accountUsername={authUser.username} />}
               <button
                 type="button"
                 role="menuitem"