feat(redeem): support negative values for refund/deduction
Allow redeem codes with negative values to enable refund scenarios: - Balance: negative value deducts balance (clamped to 0, never negative) - Concurrency: negative value reduces concurrency (clamped to 0) - Subscription: negative validity_days reduces remaining days; if remaining days <= 0, the subscription is canceled (set to expired) All deductions generate standard redeem code records for audit trail.
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