Add explicit card monitor lifecycle

[darekaze]

Summary

• Add explicit startCardMonitor / stopCardMonitor APIs.
• Stop starting Card Presence Event monitoring from connectReader().
• Add monitor options, validation, idempotent start behavior, and typed conflict errors.
• Update Android, iOS, TypeScript wrapper tests, README, ADR, and glossary docs.

Verification

• npm run lint
• npm run build
• npm test
• git diff --check

Hardware validation was not run; it requires a real ACS BLE Reader and card.

Closes #41.
Closes #42.
Closes #43.
Closes #44.