feat(points): 充值档位添加积分有效期字段

- config/points-config.yaml: 每个档位添加 validity_days（7/30/90/180/365/0）
- points.py: 支付回调和主动查询补单时根据档位配置设置 batch_expired_at
- RechargeModal: 卡片展示有效期（永久有效 / N 天内有效）

python-api/app/api/v1/points.py

@@ -329,6 +329,21 @@ async def handle_wxpay_notify(
         await db.commit()  # 提交 notify_raw 等记录
         return _wx_response()
 
+    # 根据档位确定积分有效期
+    validity_days = point_service.EXPIRATION_DAYS
+    for opt in point_service.get_recharge_options():
+        if opt.get("points") == order.points and opt.get("price") == order.amount_rmb:
+            validity_days = opt.get("validity_days", point_service.EXPIRATION_DAYS)
+            break
+
+    if validity_days is not None and validity_days > 0:
+        batch_expired_at = datetime.now(UTC) + timedelta(days=validity_days)
+    elif validity_days == 0:
+        # 永久有效
+        batch_expired_at = datetime.now(UTC) + timedelta(days=36500)
+    else:
+        batch_expired_at = None
+
     # 更新订单状态并充值积分（同一事务）
     try:
         order.status = "paid"
@@ -342,6 +357,7 @@ async def handle_wxpay_notify(
             source="wxpay",
             description=f"微信支付充值 {order.points} 积分",
             order_id=order.id,
+            batch_expired_at=batch_expired_at,
         )
 
         await db.commit()
@@ -397,6 +413,20 @@ async def query_recharge_status(
                 order.paid_at = datetime.now(UTC)
                 order.wx_order_no = wx_result.get("transaction_id")
 
+                # 根据档位确定积分有效期
+                validity_days = point_service.EXPIRATION_DAYS
+                for opt in point_service.get_recharge_options():
+                    if opt.get("points") == order.points and opt.get("price") == order.amount_rmb:
+                        validity_days = opt.get("validity_days", point_service.EXPIRATION_DAYS)
+                        break
+
+                if validity_days is not None and validity_days > 0:
+                    batch_expired_at = datetime.now(UTC) + timedelta(days=validity_days)
+                elif validity_days == 0:
+                    batch_expired_at = datetime.now(UTC) + timedelta(days=36500)
+                else:
+                    batch_expired_at = None
+
                 await point_service.recharge(
                     db,
                     user_id=order.user_id,
@@ -404,6 +434,7 @@ async def query_recharge_status(
                     source="wxpay",
                     description=f"微信支付充值 {order.points} 积分（主动查询补单）",
                     order_id=order.id,
+                    batch_expired_at=batch_expired_at,
                 )
                 logger.info(
                     f"[Points] 订单 {order.out_trade_no} 通过主动查询确认支付成功，"