feat: 数据概览简化 + 用户管理增加余额/提现列

- 数据概览：去掉代付统计独立卡片，总收入中以小标签显示代付金额
- 数据概览：移除余额统计区块（余额改在用户管理中展示）
- 数据概览：恢复转化率卡片（唯一付费用户/总用户）
- 用户管理：用户列表新增「余额/提现」列，显示钱包余额和已提现金额
- 后端：DBUsersList 增加 user_balances 查询，返回 walletBalance 字段
- 后端：User model 添加 WalletBalance 非数据库字段
- 包含之前的小程序埋点和管理后台点击统计面板

Made-with: Cursor

miniprogram/pages/wallet/wallet.js

@@ -0,0 +1,167 @@
+const app = getApp()
+const { trackClick } = require('../../utils/trackClick')
+
+Page({
+  data: {
+    statusBarHeight: 0,
+    balance: 0,
+    balanceText: '0.00',
+    totalRecharged: '0.00',
+    totalGifted: '0.00',
+    totalRefunded: '0.00',
+    transactions: [],
+    loading: true,
+    rechargeAmounts: [10, 30, 50, 1000],
+    selectedAmount: 30,
+  },
+
+  onLoad() {
+    this.setData({ statusBarHeight: app.globalData.statusBarHeight || 44 })
+    this.loadBalance()
+    this.loadTransactions()
+  },
+
+  async loadBalance() {
+    if (!app.globalData.isLoggedIn || !app.globalData.userInfo) return
+    const userId = app.globalData.userInfo.id
+    try {
+      const res = await app.request({ url: `/api/miniprogram/balance?userId=${userId}`, silent: true })
+      if (res && res.data) {
+        this.setData({
+          balance: res.data.balance || 0,
+          balanceText: (res.data.balance || 0).toFixed(2),
+          totalRecharged: (res.data.totalRecharged || 0).toFixed(2),
+          totalGifted: (res.data.totalGifted || 0).toFixed(2),
+          totalRefunded: (res.data.totalRefunded || 0).toFixed(2),
+          loading: false,
+        })
+      }
+    } catch (e) {
+      this.setData({ loading: false })
+    }
+  },
+
+  async loadTransactions() {
+    if (!app.globalData.isLoggedIn || !app.globalData.userInfo) return
+    const userId = app.globalData.userInfo.id
+    try {
+      const res = await app.request({ url: `/api/miniprogram/balance/transactions?userId=${userId}`, silent: true })
+      if (res && res.data) {
+        const list = (res.data || []).map(t => ({
+          ...t,
+          amountText: (t.amount || 0).toFixed(2),
+          amountSign: (t.amount || 0) >= 0 ? '+' : '',
+          description: t.description || (t.type === 'recharge' ? '充值' : t.type === 'gift' ? '赠送' : t.type === 'refund' ? '退款' : t.type === 'consume' ? '阅读消费' : '其他'),
+        }))
+        this.setData({ transactions: list })
+      }
+    } catch (e) {
+      console.warn('[Wallet] load transactions failed', e)
+    }
+  },
+
+  selectAmount(e) {
+    trackClick('wallet', 'tab_click', '选择金额' + (e.currentTarget.dataset.amount || ''))
+    this.setData({ selectedAmount: parseInt(e.currentTarget.dataset.amount) })
+  },
+
+  async handleRecharge() {
+    trackClick('wallet', 'btn_click', '充值')
+    if (!app.globalData.isLoggedIn || !app.globalData.userInfo) {
+      wx.showToast({ title: '请先登录', icon: 'none' })
+      return
+    }
+    const userId = app.globalData.userInfo.id
+    const amount = this.data.selectedAmount
+
+    wx.showLoading({ title: '创建订单...' })
+    try {
+      const res = await app.request({
+        url: '/api/miniprogram/balance/recharge',
+        method: 'POST',
+        data: { userId, amount }
+      })
+      wx.hideLoading()
+      if (res && res.data && res.data.orderSn) {
+        // Trigger WeChat Pay for the recharge order
+        const payRes = await app.request({
+          url: '/api/miniprogram/pay',
+          method: 'POST',
+          data: {
+            openId: app.globalData.openId,
+            productType: 'balance_recharge',
+            productId: res.data.orderSn,
+            amount: amount,
+            description: `余额充值 ¥${amount}`,
+            userId: userId,
+          }
+        })
+        if (payRes && payRes.payParams) {
+          wx.requestPayment({
+            ...payRes.payParams,
+            success: async () => {
+              // Confirm the recharge
+              await app.request({
+                url: '/api/miniprogram/balance/recharge/confirm',
+                method: 'POST',
+                data: { orderSn: res.data.orderSn }
+              })
+              wx.showToast({ title: '充值成功', icon: 'success' })
+              this.loadBalance()
+              this.loadTransactions()
+            },
+            fail: () => {
+              wx.showToast({ title: '支付取消', icon: 'none' })
+            }
+          })
+        } else {
+          wx.showToast({ title: '创建支付失败', icon: 'none' })
+        }
+      }
+    } catch (e) {
+      wx.hideLoading()
+      wx.showToast({ title: '充值失败', icon: 'none' })
+    }
+  },
+
+  async handleRefund() {
+    trackClick('wallet', 'btn_click', '退款')
+    if (this.data.balance <= 0) {
+      wx.showToast({ title: '余额为零', icon: 'none' })
+      return
+    }
+    const userId = app.globalData.userInfo.id
+    const balance = this.data.balance
+    const refundAmount = (balance * 0.9).toFixed(2)
+
+    wx.showModal({
+      title: '余额退款',
+      content: `退回全部余额 ¥${balance.toFixed(2)}\n实际到账 ¥${refundAmount}（9折）\n\n退款将在1-3个工作日内原路返回`,
+      confirmText: '确认退款',
+      success: async (res) => {
+        if (!res.confirm) return
+        wx.showLoading({ title: '处理中...' })
+        try {
+          const result = await app.request({
+            url: '/api/miniprogram/balance/refund',
+            method: 'POST',
+            data: { userId, amount: balance }
+          })
+          wx.hideLoading()
+          if (result && result.data) {
+            wx.showToast({ title: result.data.message || '退款成功', icon: 'success' })
+            this.loadBalance()
+            this.loadTransactions()
+          }
+        } catch (e) {
+          wx.hideLoading()
+          wx.showToast({ title: '退款失败', icon: 'none' })
+        }
+      }
+    })
+  },
+
+  goBack() {
+    wx.navigateBack()
+  },
+})