Implement a function that takes a JSON string returned by a mock API and converts it into a normalized card object with four required fields: heading, subheading, summary, and image. The input may contain extra fields, missing fields, or invalid JSON. Return the normalized object when valid, or null when the payload cannot produce a complete card.
title, subtitle, description, and imageUrlnull for invalid JSON or missing/empty required fieldsdef parse_card_payload(payload):