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/pages/member/member.vue

@@ -183,6 +183,7 @@ const startPay = async (selectedPlan) => {
         url: api('/payment/jsapi'), method: 'POST',
         data: { plan: planLabel },
         header: { 'Authorization': `Bearer ${t}`, 'Content-Type': 'application/json' },
+        timeout: 30000,
       })
       payLoading.value = false
 
@@ -203,6 +204,11 @@ const startPay = async (selectedPlan) => {
           },
           fail: (err) => { payError.value = '支付取消或失败'; uni.showToast({ title: '支付取消', icon: 'none' }) },
         })
+      } else if (!res.statusCode || res.statusCode === 0) {
+        payLoading.value = false
+        const errMsg = '网络连接失败，请检查网络后重试'
+        payError.value = errMsg
+        uni.showToast({ title: errMsg, icon: 'none' })
       } else {
         payLoading.value = false
         const errMsg = res.data?.message || '创建订单失败'
@@ -242,9 +248,14 @@ const startPay = async (selectedPlan) => {
         })
         // 轮询支付结果
         pollPayResult(res.data.outTradeNo, planLabel)
+      } else if (!res.statusCode || res.statusCode === 0) {
+        payLoading.value = false
+        const errMsg = '网络连接失败，请检查网络后重试'
+        payError.value = errMsg
+        uni.showToast({ title: errMsg, icon: 'none' })
       } else {
         payError.value = res.data?.message || '支付服务暂不可用'
-        uni.showToast({ title: '支付服务暂不可用', icon: 'none' })
+        uni.showToast({ title: res.data?.message || '支付服务暂不可用', icon: 'none' })
       }
     } catch (e) {
       payLoading.value = false