fix: add network error detection and timeout for mini program JSAPI payment

1. member.vue: check for res.statusCode === 0 (network failure) before accessing data, add 30s timeout

2. manifest.json: bump to v1.0.14

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

zhiyin-app/src/manifest.json

@@ -1,8 +1,8 @@
 {
   "name": "宇之然AI磁场",
   "appid": "__UNI__DEV__",
-  "versionName": "1.0.13",
-  "versionCode": "113",
+  "versionName": "1.0.14",
+  "versionCode": "114",
   "description": "职引 - 宇之然AI磁场旗下AI模拟面试平台，提供AI面试官模拟练习、简历智能优化、大厂面经题库，助你轻松应对校招面试。",
   "h5": {
     "title": "职引 - AI模拟面试 | 宇之然AI磁场",