feat(billing): add dual formulas, disable 10yuan gift, retry auto-renew

Turn off the low-balance 10 CNY signup bonus while keeping the 5 CNY
registration credit, split metering into independent formula A/B scopes,
and retry expired auto-renew subscriptions after recharge or hourly worker.

Co-authored-by: Cursor <cursoragent@cursor.com>

user-auth.mjs

@@ -129,15 +129,19 @@ export function createUserAuth(pool, options = {}) {
   const { storageRoot, publicBaseUrl } = resolveMindSpaceRuntimeConfig(h5Root, env);
   const skillCatalog = listPlatformSkillCatalog(h5Root);
   const defaultSignupBalanceCents = Number(options.defaultSignupBalanceCents ?? 500);
-  const lowBalanceGiftThresholdCents = Number(options.lowBalanceGiftThresholdCents ?? 100);
-  const lowBalanceGiftAmountCents = Number(options.lowBalanceGiftAmountCents ?? 1000);
+  const lowBalanceGiftThresholdCents = Number(
+    options.lowBalanceGiftThresholdCents ?? env.H5_LOW_BALANCE_GIFT_THRESHOLD_CENTS ?? 100,
+  );
+  const lowBalanceGiftAmountCents = Number(
+    options.lowBalanceGiftAmountCents ?? env.H5_LOW_BALANCE_GIFT_AMOUNT_CENTS ?? 0,
+  );
   const sessionTtlMs = Number(options.sessionTtlMs ?? 7 * 24 * 60 * 60 * 1000);
   const loginMaxFailures = Number(options.loginMaxFailures ?? 5);
   const loginFailureWindowMs = Number(options.loginFailureWindowMs ?? 5 * 60 * 1000);
   const persistSessions = options.persistSessions !== false && Boolean(pool);
   let rechargeNotifier =
     typeof options.onRechargeNotification === 'function' ? options.onRechargeNotification : null;
-  const subscriptionService = options.subscriptionService ?? null;
+  let subscriptionService = options.subscriptionService ?? null;
   const provisionUserDataSpace = typeof options.provisionUserDataSpace === 'function'
     ? options.provisionUserDataSpace
     : null;
@@ -190,7 +194,7 @@ export function createUserAuth(pool, options = {}) {
   const getUserById = async (userId) => {
     const [rows] = await pool.query(
       `SELECT u.id, u.username, u.slug, u.email, u.display_name, u.role, u.status,
-              u.plan_type, u.workspace_root,
+              u.plan_type, u.workspace_root, u.billing_formula,
               s.quota_bytes, s.used_bytes, s.reserved_bytes,
               w.balance_cents, w.tokens_used,
               (SELECT COALESCE(SUM(ABS(amount_cents)), 0)
@@ -218,6 +222,7 @@ export function createUserAuth(pool, options = {}) {
       status: row.status,
       planType: row.plan_type ?? 'free',
       workspaceRoot: row.workspace_root,
+      billingFormula: row.billing_formula === 'B' ? 'B' : 'A',
       balanceCents,
       totalCreditCents: balanceCents + spentCents,
       tokensUsed: Number(row.tokens_used ?? 0),
@@ -447,7 +452,7 @@ export function createUserAuth(pool, options = {}) {
          (id, username, slug, email, display_name, salt, password_hash, password_algorithm,
           role, status, plan_type, workspace_root, low_balance_gift_eligible, low_balance_gift_granted_at,
           created_at, updated_at)
-         VALUES (?, ?, ?, ?, ?, ?, ?, ?, 'user', 'active', 'free', ?, 1, NULL, ?, ?)`,
+         VALUES (?, ?, ?, ?, ?, ?, ?, ?, 'user', 'active', 'free', ?, 0, NULL, ?, ?)`,
         [
           userId,
           normalized,
@@ -900,7 +905,7 @@ export function createUserAuth(pool, options = {}) {
     );
     const [rows] = await pool.query(
       `SELECT u.id, u.username, u.slug, u.email, u.display_name, u.role, u.status,
-              u.plan_type, u.workspace_root,
+              u.plan_type, u.workspace_root, u.billing_formula,
               s.quota_bytes, s.used_bytes, s.reserved_bytes,
               u.created_at, u.updated_at, w.balance_cents, w.tokens_used
        FROM h5_users u
@@ -1038,6 +1043,14 @@ export function createUserAuth(pool, options = {}) {
       fields.push('role = ?');
       values.push(patch.role === 'admin' ? 'admin' : 'user');
     }
+    if (patch.billingFormula !== undefined) {
+      const formula = String(patch.billingFormula).trim().toUpperCase();
+      if (!['A', 'B'].includes(formula)) {
+        return { ok: false, message: '计量公式只能是 A 或 B' };
+      }
+      fields.push('billing_formula = ?');
+      values.push(formula);
+    }
 
     if (fields.length > 0) {
       fields.push('updated_at = ?');
@@ -1272,6 +1285,16 @@ export function createUserAuth(pool, options = {}) {
         ]);
       }
       if (ownsConnection) await conn.commit();
+      if (subscriptionService?.processAutoRenewalsForUser) {
+        try {
+          await subscriptionService.processAutoRenewalsForUser(userId);
+        } catch (err) {
+          console.warn(
+            'Post-recharge auto-renew retry failed:',
+            err instanceof Error ? err.message : String(err),
+          );
+        }
+      }
       const updated = await getUserById(userId);
       if (rechargeNotifier) {
         try {
@@ -1336,7 +1359,7 @@ export function createUserAuth(pool, options = {}) {
     }
     const tokenState = normalizeTokenState(tokenStateRaw);
     const config = billingConfigService?.getEffectiveBillingConfig
-      ? await billingConfigService.getEffectiveBillingConfig()
+      ? await billingConfigService.getEffectiveBillingConfig({ userId })
       : loadBillingConfig(env);
     const normalizedRequestId = requestId ? String(requestId).trim() || null : null;
     const now = Date.now();
@@ -2747,7 +2770,7 @@ export function createUserAuth(pool, options = {}) {
          (id, username, slug, email, display_name, salt, password_hash, password_algorithm,
           role, status, plan_type, workspace_root, signup_source, low_balance_gift_eligible,
           low_balance_gift_granted_at, created_at, updated_at)
-         VALUES (?, ?, ?, NULL, ?, ?, ?, ?, 'user', 'active', 'free', ?, 'wechat', 1, NULL, ?, ?)`,
+         VALUES (?, ?, ?, NULL, ?, ?, ?, ?, 'user', 'active', 'free', ?, 'wechat', 0, NULL, ?, ?)`,
         [
           userId,
           normalized,
@@ -3079,6 +3102,9 @@ export function createUserAuth(pool, options = {}) {
     setRechargeNotifier(callback) {
       rechargeNotifier = typeof callback === 'function' ? callback : null;
     },
+    setSubscriptionService(service) {
+      subscriptionService = service ?? null;
+    },
     findWechatUserByOpenid,
     getWechatAgentRoute,
     upsertWechatAgentRoute,