重构交易相关逻辑，优化异步任务处理，更新支付状态查询逻辑

web/handlers/verifier.go

@@ -17,7 +17,7 @@ type VerifierReq struct {
 
 func SmsCode(c *fiber.Ctx) error {
 
-	_, err := auth.Protect(c, []auth.PayloadType{auth.PayloadSecuredServer}, []string{})
+	_, err := auth.Protect(c, []auth.PayloadType{auth.PayloadInternalServer}, []string{})
 	if err != nil {
 		return err
 	}