feat: parse WeChat transfer messages (appmsg type=2000) (#85)

Add structured parsing for transfer messages so they no longer fall
through to the generic `[链接/文件]` fallback in chat history exports.
Mirrors the dispatch + helper pattern PR #65 (merged-forward type=19)
established for `base_type=49` appmsg sub-types.

## What is added

**Helpers (mcp_server.py):**
- `_TRANSFER_PAYSUBTYPE_LABEL` — maps the 6 community-consensus paysubtypes
  (1 发起 / 3 已收款 / 4 已退还 / 5 过期已退还 / 7 待领取 / 8 已领取);
  unknown values degrade to `未知(paysubtype=N)` so a new variant in a
  future WeChat build is visible rather than silently dropped.
- `_extract_transfer_info(appmsg)` — pulls fields out of `<wcpayinfo>`,
  with snake/camelCase fallback (`feedesc`/`feeDesc`, `pay_memo`/`paymemo`)
  observed across WeChat versions.
- `_format_transfer_message_text(appmsg, title)` — one-line render
  for chat history: `[转账·已收款] ¥100.00 备注: lunch`.

**Dispatch (mcp_server.py):**
- `_format_app_message_text` gains an `app_type == 2000` branch that
  routes to `_format_transfer_message_text`. `get_chat_history`,
  `export_chat`, `export_all_chats` and `monitor_web` all inherit
  automatically.

**New MCP tool (mcp_server.py):**
- `decode_transfer(chat_name, local_id, create_time=0)` — full
  structured view: direction, amount, memo, payer/receiver wxid,
  transfer id, transcation id, begin/invalid timestamps. Uses the
  same multi-shard scan + ambiguity-by-create_time pattern as
  `decode_file_message` / `decode_record_item`.

**CLI wrapper:**
- `decode_transfer.py` at the repo root — argparse wrapper that prints
  the same text as the MCP tool, returning non-zero exit when the
  message can't be decoded (script-friendly).

**JSON export (chat_export_helpers.py + export_chat.py + export_all_chats.py):**
- `_extract_content` now returns `(rendered, extras)`. `extras` carries
  structured fields when a message type has more signal than the
  human-readable string (currently: transfers → `type:"transfer" +
  transfer:{direction, fee_desc, pay_memo, ...}`). The channel is
  forward-compatible — future additions (video号 metadata, expanded
  merged-forward, etc.) flow through the same shape without changing
  the caller signature. JSON consumers that only read `content` are
  unaffected; the change is additive.

**monitor_web (monitor_web.py):**
- Backend dispatch branch + orange-yellow `.msg-transfer` card CSS +
  `renderRich` JS handler.

## Tests

12 new cases in `tests/test_record_decoders.py`:

- `TransferPaysubTypeLabelTests` — locks the 6-value label table.
- `ExtractTransferInfoTests` (6 cases) — full field round-trip, missing
  `<wcpayinfo>` fallback, snake/camelCase variants, unknown paysubtype
  degradation, empty paysubtype handling.
- `FormatTransferMessageTextTests` (4 cases) — initiate / received-with-memo /
  missing-wcpayinfo / missing-fee-desc.
- `AppMessageDispatchTransferTests` — `_format_app_message_text` routes
  type=2000 correctly so `get_chat_history` / `export_chat` both pick
  it up.

All fixtures use synthetic placeholder values (`wxid_payer_synth`,
`¥100.00`, `1` + 27×`0`); no real PII or transaction IDs.

## Scope

7 files, +546 / -15 (additions only — no behavior change for existing
message types). All 180 tests pass locally (168 baseline + 12 new).

export_all_chats.py

@@ -62,13 +62,21 @@ def export_one(username, output_dir, names):
         local_id, local_type, create_time, real_sender_id, content, ct = row
         sender = _resolve_sender(row, ctx, names, id_to_username)
         type_str = _msg_type_str(local_type)
-        rendered = _extract_content(local_id, local_type, content, ct, username, display_name)
+        rendered, extras = _extract_content(
+            local_id, local_type, content, ct, username, display_name
+        )
 
         msg = {"local_id": local_id, "timestamp": create_time, "sender": sender}
-        if type_str != "text":
-            msg["type"] = type_str
+        effective_type = (extras or {}).get("type") or type_str
+        if effective_type != "text":
+            msg["type"] = effective_type
         if rendered is not None:
             msg["content"] = rendered
+        if extras:
+            for k, v in extras.items():
+                if k == "type":
+                    continue
+                msg[k] = v
         messages.append(msg)
 
     if not messages: