task: 修复支付宝C端入口构建失败

移除不存在的 alipay.CalcExpireAt 调用，改为按 cfg.AliPayExpireMinutes（默认 30 分钟）
内联计算 expireAt；将所有 BuildWapPayURL 调用从 5 参数改为 4 参数（移除 returnURL）。
修复范围：getOrBuildAlipayPaymentLink、createAlipayForceRechargeOrder、createAlipayRecharge。

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

internal/handler/app/client_wallet.go

@@ -386,7 +386,11 @@ func (h *ClientWalletHandler) createAlipayRecharge(
 ) error {
 	rechargeNo := generateClientRechargeNo()
 	paymentNo := generateClientPaymentNo()
-	expireAt := alipay.CalcExpireAt(config)
+	expireMinutes := config.AliPayExpireMinutes
+	if expireMinutes <= 0 {
+		expireMinutes = 30
+	}
+	expireAt := time.Now().Add(time.Duration(expireMinutes) * time.Minute)
 
 	rechargeOrder := &model.RechargeOrder{
 		RechargeOrderNo: rechargeNo,
@@ -423,7 +427,7 @@ func (h *ClientWalletHandler) createAlipayRecharge(
 		return err
 	}
 
-	wapURL, err := alipay.BuildWapPayURL(resolved.SkipPermissionCtx, config, payment, "资产钱包充值", config.AliReturnURL)
+	wapURL, err := alipay.BuildWapPayURL(resolved.SkipPermissionCtx, config, payment, "资产钱包充值")
 	if err != nil {
 		if updateErr := h.paymentStore.UpdateStatus(resolved.SkipPermissionCtx, payment.ID, model.PaymentRecordStatusFailed); updateErr != nil {
 			h.logger.Warn("标记支付宝支付单 failed 失败",