fix(identity): use correct Aliyun API for ID card verification

Change API from Id2MetaStandardVerify to Id2MetaVerify for two-factor
identity verification (name + ID card number). The previous API was
returning error 440 (no permission).

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

backend/services/identity-service/src/infrastructure/external/kyc/aliyun-kyc.provider.ts

@@ -102,8 +102,8 @@ export class AliyunKycProvider {
 
   /**
    * 二要素验证：姓名 + 身份证号
-   * 使用阿里云 Id2MetaStandardVerify API
-   * 文档: https://help.aliyun.com/zh/id-verification/api-cloudauth-2019-03-07-id2metastandardverify-infor-verify
+   * 使用阿里云 Id2MetaVerify API (身份证二要素核验)
+   * 文档: https://help.aliyun.com/zh/id-verification/developer-reference/api-cloudauth-2019-03-07-id2metaverify
    */
   async verifyIdCardTwoFactor(
     realName: string,
@@ -123,14 +123,14 @@ export class AliyunKycProvider {
     }
 
     try {
-      // 调用阿里云身份二要素标准版核验 API (Id2MetaStandardVerify)
-      // 文档: https://help.aliyun.com/zh/id-verification/api-cloudauth-2019-03-07-id2metastandardverify-infor-verify
+      // 调用阿里云身份二要素核验 API (Id2MetaVerify)
+      // 文档: https://help.aliyun.com/zh/id-verification/developer-reference/api-cloudauth-2019-03-07-id2metaverify
       // 参数说明:
-      // - ParamType: 加密方式 (normal=明文)
+      // - ParamType: 加密方式 (normal=明文, md5=MD5加密, sm2=SM2加密)
       // - UserName: 姓名
       // - IdentifyNum: 身份证号
       const params = {
-        Action: 'Id2MetaStandardVerify',
+        Action: 'Id2MetaVerify',
         Version: '2019-03-07',
         Format: 'JSON',
         ParamType: 'normal',