feat: 支持同卡种续卡叠加并修复过期登录态

支付成功后将次数或有效期叠加到已有会员卡，首页与详情页引导续卡；接口 401 时同步清掉本地登录态。

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

packages/server/src/user/user.service.ts

@@ -440,7 +440,7 @@ export class UserService {
     }
 
     return this.prisma.membership.create({
-      data: { userId, ...data },
+      data: { userId, totalTimes: dto.remainingTimes ?? null, ...data },
       include: { cardType: true },
     })
   }