fix: 星之界/星阙支付按俱乐部分别取 openid 与 AppID，启动静默刷新绑定

- resolve_club_payment_openid: xzj 回落 UserName 并 lazy 写绑定；xq 回落 OpenID；禁止跨俱乐部混用
- 统一 get_club_miniapp_appid；非 xq 禁止回落全局 AppID
- 新增 /jituan/auth/refresh-wx-bind；小程序有 token 时静默刷新 openid

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

jituan/urls.py

@@ -56,6 +56,7 @@ from jituan.views import (
     ClubSzxxView,
     ClubUserSummaryView,
     ClubWechatLoginView,
+    ClubWxBindRefreshView,
 )
 
 from jituan.views_dashou_exam import (
@@ -94,6 +95,7 @@ from jituan.views_identity_tag import (
 
 urlpatterns = [
     path('auth/wechat-login', ClubWechatLoginView.as_view(), name='jituan_wechat_login'),
+    path('auth/refresh-wx-bind', ClubWxBindRefreshView.as_view(), name='jituan_refresh_wx_bind'),
     path('auth/kefu-login', ClubKefuLoginView.as_view(), name='jituan_kefu_login'),
     path('auth/me-context', ClubMeContextView.as_view(), name='jituan_me_context'),
     path('auth/menu-access', ClubKefuMenuAccessView.as_view(), name='jituan_menu_access'),