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

tests/e2e/permanent-point-wallet.spec.ts

@@ -4,7 +4,7 @@ type WalletFixture = { requests: string[]; paid: boolean; created: boolean };
 type FixtureGlobal = typeof globalThis & { __pointWalletE2E: WalletFixture };
 
 test.describe('Permanent point wallet', () => {
-  test('reopens an unpaid order, keeps its frozen amount, and refreshes only after confirmed credit', async ({ launchElectronApp }, testInfo) => {
+  test('shows the child recipient, reopens its frozen unpaid order, and refreshes only after confirmed credit', async ({ launchElectronApp }, testInfo) => {
     const app = await launchElectronApp({ skipSetup: true });
     try {
       const page = await getStableWindow(app);
@@ -40,12 +40,12 @@ test.describe('Permanent point wallet', () => {
           });
           if (path === '/api/auth/me') return result({
             success: true,
-            user: { username: 'point-wallet', userId: 'point-wallet-user', tenantId: null, deptId: null, authorities: [] },
+            user: { username: 'child-wallet', userId: 'child-wallet-user', tenantId: null, deptId: null, authorities: [] },
             moduleAccess: { programming: true, design: true, robot: true },
           });
           if (path === '/api/works/user/agent-profile') return result({
             success: true, profile: {
-              display_name: '词元点数用户', age: null, gender: null, avatar_url: null,
+              display_name: '小麦', age: null, gender: null, avatar_url: null,
               share_age_with_agents: false, share_gender_with_agents: false, analysis_enabled: true,
               completed: true, version: 1, updated_at: '2026-09-22T00:00:00Z',
             },
@@ -78,13 +78,15 @@ test.describe('Permanent point wallet', () => {
       await page.goto(applicationUrl, { waitUntil: 'domcontentloaded' });
       await page.getByTestId('ai-module-option-programming').click();
       await expect(page.getByTestId('main-layout')).toBeVisible();
-      await expect(page.getByTestId('sidebar-member-menu-trigger')).toContainText('词元点数用户');
+      await expect(page.getByTestId('sidebar-member-menu-trigger')).toContainText('小麦');
       await page.getByTestId('sidebar-member-menu-trigger').click();
       await expect(page.getByTestId('sidebar-total-token-points')).toHaveText('0 点');
-      await expect(page.getByText('点数已用尽，充值后可继续使用。')).toBeVisible();
+      await expect(page.getByText('点数已用尽，请由家长完成当前账号充值。')).toBeVisible();
       await page.getByTestId('sidebar-point-wallet-open').click();
       const wallet = page.getByTestId('point-wallet-dialog');
       await expect(wallet).toContainText('1 元充值 50 点');
+      await expect(wallet.getByTestId('point-recharge-recipient')).toHaveText('充值到：小麦（child-wallet）');
+      await expect(wallet).toContainText('请由家长登录孩子的账号完成付款');
       await expect(wallet).not.toContainText('重置卡');
       await wallet.getByRole('button', { name: /500 点\s*¥10.00/ }).click();
       await expect(wallet.getByAltText('充值支付二维码')).toBeVisible();

tests/unit/point-wallet.test.tsx

@@ -27,14 +27,31 @@ describe('permanent point wallet', () => {
     expect(dialog).toHaveTextContent('永久有效');
     expect(screen.queryByText(/重置卡|升级订阅|本周剩余/)).not.toBeInTheDocument();
   });
-  it('shows youth own precision and shared availability without enabling recharge', async () => {
+  it('honors unavailable recharge without asking the user to change account identity', async () => {
     api.summary.mockResolvedValue(billingSummary({ can_recharge: false, payment_configured: false, own_points: permanentBalance({ can_recharge: false }), points: permanentBalance({ total: null, used: null, reserved: null, total_remaining: null, family_shared: true, entitlement_source: 'family_owner', shared_available: false, can_recharge: false }) }));
     render(<PointWallet />); await screen.findByText('75 点');
     expect(screen.getByText(/AI 编程使用共享点数/)).toHaveTextContent('已用尽');
     fireEvent.click(screen.getByTestId('sidebar-point-wallet-open'));
-    await screen.findByText(/仅家长身份可以充值/);
+    await screen.findByText(/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/);
+    expect(screen.queryByText(/仅家长身份可以充值/)).not.toBeInTheDocument();
     expect(screen.getByRole('button', { name: /500 点\s*¥10.00/ })).toBeDisabled();
   });
+  it('recharges the displayed child account while leaving shared funding selected', async () => {
+    api.summary.mockResolvedValue(billingSummary({ points: permanentBalance({ total: null, used: null, reserved: null, total_remaining: null, family_shared: true, entitlement_source: 'shared_group', shared_available: true, can_recharge: false }) }));
+    render(<PointWallet accountName="小麦" accountUsername="child-account" />);
+    await screen.findByText('75 点');
+    fireEvent.click(screen.getByTestId('sidebar-point-wallet-open'));
+    const dialog = screen.getByTestId('point-wallet-dialog');
+    expect(screen.getByTestId('point-recharge-recipient')).toHaveTextContent('充值到：小麦（child-account）');
+    expect(dialog).toHaveTextContent('请由家长登录孩子的账号完成付款');
+    expect(dialog).toHaveTextContent('充值不会自动切换付款来源');
+    const buy = within(dialog).getByRole('button', { name: /500 点\s*¥10.00/ });
+    await waitFor(() => expect(buy).toBeEnabled());
+    fireEvent.click(buy);
+    await screen.findByTestId('point-recharge-checkout');
+    expect(api.create).toHaveBeenCalledWith('recharge-10', expect.any(String));
+    expect(api.external).not.toHaveBeenCalled();
+  });
   it('does not mistake the family payer’s own shared wallet for an exhausted external wallet', async () => {
     api.summary.mockResolvedValue(billingSummary({ points: permanentBalance({ family_shared: true, entitlement_source: 'shared_group' }) }));
     await openWallet();

tests/unit/sidebar-token-points.test.tsx

@@ -91,6 +91,7 @@ describe('Sidebar permanent point wallet', () => {
     expect(screen.queryByText(/重置卡|升级订阅|会员等级|本周剩余/)).not.toBeInTheDocument();
     fireEvent.click(screen.getByTestId('sidebar-point-wallet-open'));
     expect(screen.getByTestId('point-wallet-dialog')).toHaveTextContent('1 元充值 50 点');
+    expect(screen.getByTestId('point-recharge-recipient')).toHaveTextContent('测试用户（member@example.com）');
   });
   it('shows a retryable failure without inventing a zero balance', async () => {
     fetchBillingSummaryMock.mockRejectedValue(new Error('offline'));

tests/unit/works-billing-routes.test.ts

@@ -101,6 +101,12 @@ describe('permanent points Main contract', () => {
     const result = await call('/me');
     expect(result.status).toBe(409); expect(result.body.data).toBeUndefined();
   });
+  it('does not translate an unavailable current-account recharge into a parent-identity requirement', async () => {
+    reply({ detail: '当前账号暂不能充值词元点数' }, 403);
+    const result = await call('/recharge/orders', 'POST', { productId: 'p', requestId: 'r' });
+    expect(result.body).toMatchObject({ commandOutcome: 'definitive_failure', error: '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。' });
+    expect(result.body.error).not.toContain('联系家长');
+  });
   it.each(['/plans', '/reset-cards', '/subscriptions', '/reset-card-orders'])('retires %s without contacting payment services', async (path) => {
     expect((await call(path)).status).toBe(410); expect(net).not.toHaveBeenCalled();
   });

tests/unit/works-billing-server-contract.test.ts

@@ -6,7 +6,7 @@ import server from '../fixtures/permanent-points-server.json';
 // an isolated SQLite database and a fake payment provider. All identities are synthetic.
 // Covers the real API's serialized decimals, timestamps, optional fields and order envelopes.
 describe('Works Square permanent-points API compatibility', () => {
-  it('projects old accounts at zero and genuinely registered youth at 100, without a client gift', () => {
+  it('projects balance and recharge permission from the captured pre-D01 server response without a client gift', () => {
     expect(projectBillingSummary(server.before).own_points.total_remaining).toBe('0.00');
     const youth = projectBillingSummary(server.youth);
     expect(youth.own_points.total_remaining).toBe('100.00');