refactor: 优化后端支付与微信支付

- 优化payment/config.py、wechat_pay.py
- 优化routers/payment.py、plans.py、quota.py、websocket.py
- 更新main.py、.env.production

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

api/routers/websocket.py

@@ -19,7 +19,7 @@ from database.models import Conversation, Segment
 from database.models import User as UserModel
 from services.auth_service import verify_token
 from services.memoir_state_service import get_or_create_state
-from services.asr_service import asr_service
+from services import asr_service
 from fastapi import HTTPException, status
 
 logger = logging.getLogger(__name__)