fix: 简化提现收款对账，避免永远卡在收款处理中

- 同一审核单只保留最新一条进行中打款，多次点击不再堆叠阻塞
- 有 package 时查单失败也直接调起微信确认
- 无 package 超过20秒即作废允许重试；转账/网络失败返回明确错误而非 code12

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

users/views/tixian.py

@@ -1330,7 +1330,7 @@ class TixianQueRenAutoView(APIView):
 
                     if wx_data.get('_not_found'):
                         age = timezone.now() - auto_record.CreateTime
-                        if auto_record.zhuangtai == 0 and age >= timedelta(minutes=2):
+                        if auto_record.zhuangtai == 0 and age >= timedelta(seconds=20):
                             _mark_transfer_attempt_failed(
                                 auto_record, '微信未找到该打款单', close_audit=False,
                             )