feat: 从JWT解析userId并添加资源点余额提醒

- 新增 jwtUtils.ts 解析JWT token获取user_id
- dialogService 从登录session获取真实userId
- 添加 credit_update 事件处理
- 余额低于5点时弹窗提醒用户充值
- settings.ts 登录URL改为可配置

src/services/sseHandler.ts

@@ -28,7 +28,8 @@ import type {
   AgentProgressEvent,
   AgentCompleteEvent,
   AgentErrorEvent,
-  ContextUsageEvent
+  ContextUsageEvent,
+  CreditUpdateEvent
 } from '../types/api';
 import type { MemoryCompactedEvent } from '../types/memory';
 
@@ -74,6 +75,8 @@ export interface SSECallbacks {
   onMemoryCompacted?: (data: MemoryCompactedEvent) => void;
   /** 上下文使用量更新 */
   onContextUsage?: (data: ContextUsageEvent) => void;
+  /** 资源点余额更新 */
+  onCreditUpdate?: (data: CreditUpdateEvent) => void;
   /** 连接打开 */
   onOpen?: () => void;
   /** 连接关闭 */
@@ -331,6 +334,9 @@ function dispatchEvent(
     case 'context_usage':
       callbacks.onContextUsage?.(data as ContextUsageEvent);
       break;
+    case 'credit_update':
+      callbacks.onCreditUpdate?.(data as CreditUpdateEvent);
+      break;
     case 'heartbeat':
       // 心跳事件：仅用于保持连接，不需要特殊处理
       // Node.js req.setTimeout 会在收到数据时自动重置计时器