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();