refactor(ai): 重构AI接口算力点扣费逻辑并添加失败返还机制

- 移除预检查算力点步骤，改为请求前预扣算力点
- 添加请求失败时自动返还算力点的功能
- 修改copyAIResponse函数参数以支持失败回调处理
- 在响应状态异常时也执行算力点返还操作
- 从auth服务中移除EnsureUserCredits方法
- 新增RefundUserCredits方法用于返还用户算力点
- 添加AI_REFUND算力点日志类型常量
- 更新算力点日志类型说明及展示标签

web/src/app/(admin)/admin/credit-logs/page.tsx

@@ -11,6 +11,12 @@ import { useAdminCreditLogs } from "./use-admin-credit-logs";
 
 type CreditLogFormValues = Partial<AdminCreditLog>;
 
+const creditLogTypeLabels: Record<string, string> = {
+    admin_adjust: "后台调整",
+    ai_consume: "模型消费",
+    ai_refund: "失败返还",
+};
+
 export default function AdminCreditLogsPage() {
     const { logs, keyword, page, pageSize, total, isLoading, searchLogs, changePage, changePageSize, resetFilters, refreshLogs, saveLog: saveAdminLog, deleteLog } = useAdminCreditLogs();
     const [form] = Form.useForm<CreditLogFormValues>();
@@ -41,7 +47,7 @@ export default function AdminCreditLogsPage() {
             title: "类型",
             dataIndex: "type",
             width: 140,
-            render: (_, item) => <Tag>{item.type || "-"}</Tag>,
+            render: (_, item) => <Tag>{creditLogTypeLabels[item.type] || item.type || "-"}</Tag>,
         },
         {
             title: "变动",