chore(pay): close residual zibll edge contracts for content pay

Expand coupon scope to content categories, document points_deduction as runtime-off like zibll, reject card_pass on content cashier, and pass shop/content context into coupon validate.

assets/admin/src/schema/sections/users/credits.js

@@ -79,12 +79,12 @@ export const creditsSchema = {
     },
     {
       key: 'deduction',
-      title: '积分抵扣',
+      title: '积分抵扣（预留）',
       icon: 'fas fa-percent',
       fields: [
-        { key: 'points_deduction_s', label: '启用积分抵扣', type: 'switch', default: false },
-        { key: 'points_deduction_rate', label: '抵扣比例(%)', type: 'number', default: 100, min: 1, max: 100, dependsOn: { key: 'points_deduction_s', value: true } },
-        { key: 'points_deduction_max', label: '最大抵扣比例(%)', type: 'number', default: 50, min: 1, max: 100, dependsOn: { key: 'points_deduction_s', value: true } },
+        { key: 'points_deduction_s', label: '启用积分抵扣', type: 'switch', default: false, help: '对齐 zibll：运行时暂未启用（zibpay_is_allow_points_deduction 恒为 false）。字段保留供后续接收银台现金单抵扣。' },
+        { key: 'points_deduction_rate', label: '积分换算比例', type: 'number', default: 100, min: 1, max: 10000, dependsOn: { key: 'points_deduction_s', value: true }, help: 'zibll 语义：points_deduction_rate = 多少积分抵 1 元（示例 30 表示 30 积分=1 元）。当前未参与下单计算。' },
+        { key: 'points_deduction_max', label: '最大抵扣比例(%)', type: 'number', default: 50, min: 1, max: 100, dependsOn: { key: 'points_deduction_s', value: true }, help: '预留：最多可抵订单金额的百分比。当前未参与下单计算。' },
       ],
     },
     {