feat(points): 积分消耗系统全链路集成

后端:
- 简化积分服务: 删除 freeze/settle/refund, 保留 consume/recharge/expire
- 计费配置化: config/points-config.yaml 驱动 fixed/duration/free 三种模式
- TTS 时长探测: app/utils/audio_utils.py (httpx + mutagen 纯 Python)
- Python 层扣费: script(5)/polish(1)/title(1)/voice_clone(200)/tts(按秒)/video(按秒)
- 字幕 free_services: caption/auto_align 不扣费
- 新增 POST /points/consume 端点(402余额预检)
- 新增 check_balance + /points/cost 返回 sufficient/balance/required
- 新增 expire_batches 定时回收, 接入 scheduler main(每5分钟)
- 删除废弃 tts_handler.py
- Alembic 迁移: 删除 frozen/total_refunded 字段
- 同步 requirements.lock 添加 mutagen

前端:
- Rust/IPC 层扣费: compose(5)/subtitle_burn(2)/cover_design(2)
- 字幕打轴改异步: 走 scheduler subtitle handler
- 对口型传 duration: VideoGeneration 传 actualDuration
- 创建 pointStore: 全局余额 + fetchBalance + 充值弹窗控制
- 402 欠费弹 RechargeModal: VideoGeneration/SubtitleBurning/CoverDesign
- 修复 VoiceDubbing.tsx 类型错误 (alignResult never)
- 同步 PointBalance 类型(删除 frozen/available/totalRefunded)

Refs: 积分消耗集成收尾

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

@@ -361,123 +361,103 @@ async def query_recharge_status(
     )
 
 
-# ── 消费 ──────────────────────────────────────────────
+# ── 积分预估查询 ──────────────────────────────────────
 
-@router.post("/consume/freeze", response_model=ApiResponse[ConsumeFreezeResponse])
-async def freeze_points(
-    request: ConsumeFreezeRequest,
+@router.get("/cost")
+async def get_cost(
+    source_type: str,
+    seconds: int = 0,
+    char_count: int = 0,
+    total_seconds: int = 0,
+    input_seconds: int = 0,
     db: AsyncSession = Depends(get_db),
     current_user: User = Depends(get_current_user),
 ):
     """
-    消费预扣积分
+    查询某操作所需积分（预估上限和实际计费规则），并附带余额检查。
 
-    在调用 AI 服务前预扣积分，确保用户有足够余额。
-    返回预扣结果，后续需要调用结算接口确认或退回。
+    用于前端在执行业务前预估所需积分，做余额检查。
     """
     try:
-        tx, _ = await point_service.freeze_for_consumption(
-            db,
-            user_id=current_user.id,
-            source_type=request.source_type,
-            source_id=request.source_id,
-            param=request.param,
-            description=request.description,
+        # 构建预估参数
+        estimate_param = {}
+        if source_type == "tts":
+            estimate_param["char_count"] = char_count
+        elif source_type in ("video", "caption"):
+            estimate_param["input_seconds"] = input_seconds
+        elif source_type == "compose":
+            estimate_param["total_seconds"] = total_seconds
+
+        estimated = point_service._estimate_max_cost(source_type, estimate_param)
+
+        # 实际计费（按传入秒数计算）
+        actual_param = {"seconds": seconds}
+        actual = point_service._calculate_cost(source_type, actual_param)
+
+        # 余额检查
+        balance_info = await point_service.check_balance(
+            db, current_user.id, required_points=estimated
         )
 
-        # 预扣金额（取绝对值）
-        frozen_points = abs(tx.amount)
-
-        # 获取当前可用余额
-        balance = await point_service.get_user_balance(db, user_id=current_user.id)
-
         return success_response(
-            data=ConsumeFreezeResponse(
-                transaction_id=tx.id,
-                frozen_points=frozen_points,
-                available_balance=balance["available"],
-            ),
-            message=f"预扣 {frozen_points} 积分成功",
+            data={
+                "source_type": source_type,
+                "estimated_points": estimated,
+                "actual_points": actual,
+                "sufficient": balance_info["sufficient"],
+                "balance": balance_info["balance"],
+                "required": balance_info["required"],
+            },
+            message="积分预估查询成功",
         )
-
     except ValueError as e:
         raise HTTPException(status_code=400, detail=str(e))
 
 
-@router.post("/consume/settle", response_model=ApiResponse[ConsumeResultResponse])
-async def settle_consumption(
-    request: ConsumeSettleRequest,
+# ── 直接消费扣费（前端/Rust 层调用）───────────────────
+
+@router.post("/consume", response_model=ApiResponse[dict])
+async def consume_points(
+    request: schemas.ConsumeRequest,
     db: AsyncSession = Depends(get_db),
     current_user: User = Depends(get_current_user),
 ):
     """
-    消费结算
+    直接消费积分（不经过冻结）
 
-    AI 服务调用成功后调用此接口，根据实际消耗结算积分。
-    如果实际消耗少于预扣金额，差额自动退回。
+    用于 Rust/前端层业务在执行本地操作前扣费：
+    - compose（视频合成）
+    - subtitle_burn（字幕压制）
+    - cover_design（封面设计）
+
+    余额不足时返回 402，前端应拦截并引导充值。
     """
-    try:
-        refund_tx = await point_service.settle_consumption(
-            db,
-            user_id=current_user.id,
-            source_type=request.source_type,
-            source_id=request.source_id,
-            actual_points=request.actual_points,
-            description=request.description,
+    # 余额预检：不允许欠费
+    balance_info = await point_service.get_user_balance(db, current_user.id)
+    if balance_info["balance"] < request.points:
+        raise HTTPException(
+            status_code=402,
+            detail=f"积分不足，当前余额 {balance_info['balance']}，需要 {request.points} 积分",
         )
 
-        if refund_tx:
-            return success_response(
-                data=ConsumeResultResponse(
-                    success=True,
-                    transaction_id=refund_tx.id,
-                    refunded_points=refund_tx.amount,
-                    message=f"结算成功，退回 {refund_tx.amount} 积分",
-                ),
-                message="消费结算完成",
-            )
+    tx = await point_service.consume(
+        db,
+        user_id=current_user.id,
+        points=request.points,
+        source_type=request.source_type,
+        source_id=request.source_id,
+        description=request.description,
+    )
 
-        return success_response(
-            data=ConsumeResultResponse(success=True),
-            message="消费结算完成",
-        )
-
-    except ValueError as e:
-        raise HTTPException(status_code=400, detail=str(e))
-
-
-@router.post("/consume/refund", response_model=ApiResponse[ConsumeResultResponse])
-async def refund_consumption(
-    request: ConsumeRefundRequest,
-    db: AsyncSession = Depends(get_db),
-    current_user: User = Depends(get_current_user),
-):
-    """
-    消费失败退款
-
-    AI 服务调用失败后调用此接口，全额退还预扣积分。
-    """
-    try:
-        tx = await point_service.refund_consumption(
-            db,
-            user_id=current_user.id,
-            source_type=request.source_type,
-            source_id=request.source_id,
-            description=request.description,
-        )
-
-        return success_response(
-            data=ConsumeResultResponse(
-                success=True,
-                transaction_id=tx.id,
-                refunded_points=tx.amount,
-                message=f"退款 {tx.amount} 积分成功",
-            ),
-            message="消费退款完成",
-        )
-
-    except ValueError as e:
-        raise HTTPException(status_code=400, detail=str(e))
+    return success_response(
+        data={
+            "transaction_id": tx.id,
+            "consumed_points": tx.amount,
+            "balance_after": tx.balance_after,
+            "source_type": tx.source_type,
+        },
+        message="消费成功",
+    )
 
 
 # ── 充值订单查询 ──────────────────────────────────────