Update project documentation and enhance user interaction features

- Added a new entry for user interaction habit analysis based on agent transcripts, summarizing key insights into communication styles and preferences.
- Updated project indices to reflect the latest developments, including the addition of a wallet balance feature and enhancements to the mini program's user interface for better user experience.
- Improved the handling of loading states in the chapters page, ensuring a smoother user experience during data retrieval.
- Implemented a gift payment sharing feature, allowing users to share payment requests with friends for collaborative purchases.

miniprogram/pages/vip/vip.js

@@ -84,7 +84,37 @@ Page({
       }
     }
     this.setData({ purchasing: true })
+    const amount = this.data.price
     try {
+      // 0. 尝试余额支付（若余额足够）
+      const referralCode = wx.getStorageSync('referral_code') || ''
+      try {
+        const balanceRes = await app.request({ url: `/api/miniprogram/balance?userId=${userId}`, silent: true })
+        const balance = balanceRes?.data?.balance || 0
+        if (balance >= amount) {
+          const consumeRes = await app.request({
+            url: '/api/miniprogram/balance/consume',
+            method: 'POST',
+            data: {
+              userId,
+              productType: 'vip',
+              productId: 'vip_annual',
+              amount,
+              referralCode: referralCode || undefined
+            }
+          })
+          if (consumeRes?.success) {
+            this.setData({ purchasing: false })
+            wx.showToast({ title: 'VIP开通成功', icon: 'success' })
+            await this._onVipPaymentSuccess()
+            return
+          }
+        }
+      } catch (e) {
+        console.warn('[VIP] 余额支付失败，改用微信支付:', e)
+      }
+
+      // 1. 微信支付
       const payRes = await app.request('/api/miniprogram/pay', {
         method: 'POST',
         data: {
@@ -92,7 +122,7 @@ Page({
           userId,
           productType: 'vip',
           productId: 'vip_annual',
-          amount: this.data.price,
+          amount,
           description: '卡若创业派对VIP年度会员（365天）'
         }
       })