feat: 新增退款管理模块 — 完整的退款审批流程、佣金回扣和资产重置

新增退款申请全生命周期管理：创建/列表/详情/审批通过/拒绝/退回/重新提交
审批通过后异步执行佣金全额回扣（扣减各代理佣金钱包）和资产重置（套餐失效+停机+世代重置）
新增 tb_refund_request 表（迁移 000093）、RefundRequest Model、8 个 DTO
新增 Store/Service/Handler/路由注册，仅平台用户可访问

internal/service/asset/service.go

@@ -373,7 +373,7 @@ func mapSyncRespToDeviceGatewayInfo(r *gateway.SyncDeviceInfoResp) *dto.DeviceGa
 		Rssi:            strPtr(r.RSSI),
 		Sinr:            &r.Sinr,
 		SSID:            strPtr(r.SSID),
-		WifiEnabled:     &r.WifiEnabled,
+		WifiEnabled:     flexBoolPtr(r.WifiEnabled),
 		WifiPassword:    strPtr(r.WifiPassword),
 		IPAddress:       strPtr(r.IPAddress),
 		WANIP:           strPtr(r.WANIP),
@@ -410,6 +410,11 @@ func strPtr(s string) *string {
 	return &s
 }
 
+func flexBoolPtr(fb gateway.FlexBool) *bool {
+	b := bool(fb)
+	return &b
+}
+
 // Refresh 刷新资产数据（调网关同步）
 func (s *Service) Refresh(ctx context.Context, assetType string, id uint) (*dto.AssetRealtimeStatusResponse, error) {
 	switch assetType {

internal/service/package/activation_service.go

@@ -369,3 +369,37 @@ func (s *ActivationService) syncCarrierStatusActivated(ctx context.Context, tx *
 			zap.Error(err))
 	}
 }
+
+// InvalidateAllPackagesByAsset 批量失效资产关联的所有有效套餐
+// 退款时调用：将该资产下状态为待生效(0)、生效中(1)、已用完(2)的套餐全部标记为已失效(4)
+func (s *ActivationService) InvalidateAllPackagesByAsset(ctx context.Context, assetType string, assetID uint) error {
+	query := s.db.WithContext(ctx).
+		Model(&model.PackageUsage{}).
+		Where("status IN ?", []int{
+			constants.PackageUsageStatusPending,
+			constants.PackageUsageStatusActive,
+			constants.PackageUsageStatusDepleted,
+		})
+
+	switch assetType {
+	case "iot_card":
+		query = query.Where("iot_card_id = ?", assetID)
+	case "device":
+		query = query.Where("device_id = ?", assetID)
+	default:
+		return errors.New(errors.CodeInvalidParam, "无效的资产类型")
+	}
+
+	result := query.Update("status", constants.PackageUsageStatusInvalidated)
+	if result.Error != nil {
+		return errors.Wrap(errors.CodeDatabaseError, result.Error, "批量失效套餐失败")
+	}
+
+	s.logger.Info("批量失效套餐完成",
+		zap.String("asset_type", assetType),
+		zap.Uint("asset_id", assetID),
+		zap.Int64("affected", result.RowsAffected),
+	)
+
+	return nil
+}

internal/service/refund/service.go

@@ -0,0 +1,670 @@
+// Package refund 提供退款申请的业务逻辑服务
+// 包含退款申请的创建、审批、拒绝、退回、重新提交等完整生命周期管理
+// 审批通过后异步执行佣金回扣和资产世代重置
+package refund
+
+import (
+	"context"
+	"fmt"
+	"math/rand"
+	"time"
+
+	"go.uber.org/zap"
+	"gorm.io/gorm"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/internal/model/dto"
+	"github.com/break/junhong_cmp_fiber/internal/store"
+	"github.com/break/junhong_cmp_fiber/internal/store/postgres"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"github.com/break/junhong_cmp_fiber/pkg/middleware"
+
+	deviceSvc "github.com/break/junhong_cmp_fiber/internal/service/device"
+	iotCardSvc "github.com/break/junhong_cmp_fiber/internal/service/iot_card"
+	packageSvc "github.com/break/junhong_cmp_fiber/internal/service/package"
+)
+
+// Service 退款业务服务
+// 负责退款申请的 CRUD、审批流程、佣金回扣和资产世代重置
+type Service struct {
+	db                          *gorm.DB
+	refundStore                 *postgres.RefundStore
+	orderStore                  *postgres.OrderStore
+	commissionRecordStore       *postgres.CommissionRecordStore
+	agentWalletStore            *postgres.AgentWalletStore
+	agentWalletTransactionStore *postgres.AgentWalletTransactionStore
+	stopResumeService           *iotCardSvc.StopResumeService
+	deviceService               *deviceSvc.Service
+	packageActivationService    *packageSvc.ActivationService
+	iotCardStore                *postgres.IotCardStore
+	deviceStore                 *postgres.DeviceStore
+	assetWalletStore            *postgres.AssetWalletStore
+	logger                      *zap.Logger
+}
+
+// New 创建退款业务服务实例
+func New(
+	db *gorm.DB,
+	refundStore *postgres.RefundStore,
+	orderStore *postgres.OrderStore,
+	commissionRecordStore *postgres.CommissionRecordStore,
+	agentWalletStore *postgres.AgentWalletStore,
+	agentWalletTransactionStore *postgres.AgentWalletTransactionStore,
+	stopResumeService *iotCardSvc.StopResumeService,
+	deviceService *deviceSvc.Service,
+	packageActivationService *packageSvc.ActivationService,
+	iotCardStore *postgres.IotCardStore,
+	deviceStore *postgres.DeviceStore,
+	assetWalletStore *postgres.AssetWalletStore,
+	logger *zap.Logger,
+) *Service {
+	return &Service{
+		db:                          db,
+		refundStore:                 refundStore,
+		orderStore:                  orderStore,
+		commissionRecordStore:       commissionRecordStore,
+		agentWalletStore:            agentWalletStore,
+		agentWalletTransactionStore: agentWalletTransactionStore,
+		stopResumeService:           stopResumeService,
+		deviceService:               deviceService,
+		packageActivationService:    packageActivationService,
+		iotCardStore:                iotCardStore,
+		deviceStore:                 deviceStore,
+		assetWalletStore:            assetWalletStore,
+		logger:                      logger,
+	}
+}
+
+// Create 创建退款申请
+// 校验订单存在且已支付，检查是否存在活跃退款申请，生成退款单号并创建记录
+func (s *Service) Create(ctx context.Context, req *dto.CreateRefundRequest) (*dto.RefundResponse, error) {
+	userID := middleware.GetUserIDFromContext(ctx)
+	if userID == 0 {
+		return nil, errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	// 校验订单存在且已支付
+	order, err := s.orderStore.GetByID(ctx, req.OrderID)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "订单不存在")
+	}
+	if order.PaymentStatus != model.PaymentStatusPaid {
+		return nil, errors.New(errors.CodeInvalidStatus, "仅已支付订单可申请退款")
+	}
+
+	// 检查是否存在活跃退款申请（待审批、已通过、已退回状态）
+	existing, err := s.refundStore.FindActiveByOrderID(ctx, req.OrderID)
+	if err == nil && existing != nil {
+		return nil, errors.New(errors.CodeConflict, "该订单已存在退款申请")
+	}
+
+	// 从订单获取 shop_id：优先使用 SellerShopID，代理商买家使用 BuyerID
+	var shopID *uint
+	if order.SellerShopID != nil {
+		shopID = order.SellerShopID
+	} else if order.BuyerType == model.BuyerTypeAgent {
+		shopID = &order.BuyerID
+	}
+
+	refund := &model.RefundRequest{
+		RefundNo:              generateRefundNo(),
+		OrderID:               req.OrderID,
+		PackageUsageID:        req.PackageUsageID,
+		ShopID:                shopID,
+		ActualReceivedAmount:  req.ActualReceivedAmount,
+		RequestedRefundAmount: req.RequestedRefundAmount,
+		RefundReason:          req.RefundReason,
+		Status:                model.RefundStatusPending,
+	}
+	refund.Creator = userID
+	refund.Updater = userID
+
+	if err := s.refundStore.Create(ctx, refund); err != nil {
+		return nil, errors.Wrap(errors.CodeInternalError, err, "创建退款申请失败")
+	}
+
+	return buildRefundResponse(refund), nil
+}
+
+// List 分页查询退款申请列表
+func (s *Service) List(ctx context.Context, req *dto.RefundListRequest) (*dto.RefundListResponse, error) {
+	opts := &store.QueryOptions{
+		Page:     req.Page,
+		PageSize: req.PageSize,
+		OrderBy:  "created_at DESC",
+	}
+	if opts.Page == 0 {
+		opts.Page = 1
+	}
+	if opts.PageSize == 0 {
+		opts.PageSize = constants.DefaultPageSize
+	}
+
+	filters := &postgres.RefundListFilters{
+		Status:  req.Status,
+		OrderID: req.OrderID,
+		ShopID:  req.ShopID,
+	}
+
+	requests, total, err := s.refundStore.List(ctx, opts, filters)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeInternalError, err, "查询退款申请列表失败")
+	}
+
+	items := make([]dto.RefundResponse, 0, len(requests))
+	for _, r := range requests {
+		items = append(items, *buildRefundResponse(r))
+	}
+
+	return &dto.RefundListResponse{
+		Items: items,
+		Total: total,
+		Page:  opts.Page,
+		Size:  opts.PageSize,
+	}, nil
+}
+
+// GetByID 根据 ID 查询退款申请详情
+func (s *Service) GetByID(ctx context.Context, id uint) (*dto.RefundResponse, error) {
+	refund, err := s.refundStore.GetByID(ctx, id)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "退款申请不存在")
+	}
+	return buildRefundResponse(refund), nil
+}
+
+// Approve 审批通过退款申请
+// 条件更新 WHERE status=1，设置审批信息
+// 事务提交成功后异步执行佣金回扣和资产重置
+func (s *Service) Approve(ctx context.Context, id uint, req *dto.ApproveRefundRequest) error {
+	userID := middleware.GetUserIDFromContext(ctx)
+	if userID == 0 {
+		return errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	refund, err := s.refundStore.GetByID(ctx, id)
+	if err != nil {
+		return errors.New(errors.CodeNotFound, "退款申请不存在")
+	}
+	if refund.Status != model.RefundStatusPending {
+		return errors.New(errors.CodeInvalidStatus, "仅待审批状态可审批通过")
+	}
+
+	now := time.Now()
+	approvedAmount := refund.RequestedRefundAmount
+	if req.ApprovedRefundAmount != nil {
+		approvedAmount = *req.ApprovedRefundAmount
+	}
+
+	// 条件更新确保幂等性
+	result := s.db.WithContext(ctx).
+		Model(&model.RefundRequest{}).
+		Where("id = ? AND status = ?", id, model.RefundStatusPending).
+		Updates(map[string]any{
+			"status":                 model.RefundStatusApproved,
+			"processor_id":           userID,
+			"processed_at":           now,
+			"approved_refund_amount": approvedAmount,
+			"remark":                 req.Remark,
+			"updater":                userID,
+			"updated_at":             now,
+		})
+	if result.Error != nil {
+		return errors.Wrap(errors.CodeInternalError, result.Error, "审批退款申请失败")
+	}
+	if result.RowsAffected == 0 {
+		return errors.New(errors.CodeInvalidStatus, "退款申请状态已变更，请刷新后重试")
+	}
+
+	// 事务提交成功后，异步执行佣金回扣和资产重置（失败不影响审批结果）
+	go func() {
+		asyncCtx := context.Background()
+		s.deductAllCommission(asyncCtx, id)
+	}()
+
+	go func() {
+		asyncCtx := context.Background()
+		s.handleAssetReset(asyncCtx, id)
+	}()
+
+	return nil
+}
+
+// Reject 审批拒绝退款申请
+// 条件更新 WHERE status=1
+func (s *Service) Reject(ctx context.Context, id uint, req *dto.RejectRefundRequest) error {
+	userID := middleware.GetUserIDFromContext(ctx)
+	if userID == 0 {
+		return errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	now := time.Now()
+	result := s.db.WithContext(ctx).
+		Model(&model.RefundRequest{}).
+		Where("id = ? AND status = ?", id, model.RefundStatusPending).
+		Updates(map[string]any{
+			"status":        model.RefundStatusRejected,
+			"processor_id":  userID,
+			"processed_at":  now,
+			"reject_reason": req.RejectReason,
+			"updater":       userID,
+			"updated_at":    now,
+		})
+	if result.Error != nil {
+		return errors.Wrap(errors.CodeInternalError, result.Error, "拒绝退款申请失败")
+	}
+	if result.RowsAffected == 0 {
+		return errors.New(errors.CodeInvalidStatus, "退款申请状态已变更，请刷新后重试")
+	}
+	return nil
+}
+
+// Return 退回退款申请
+// 条件更新 WHERE status=1，退回后可重新提交
+func (s *Service) Return(ctx context.Context, id uint, req *dto.ReturnRefundRequest) error {
+	userID := middleware.GetUserIDFromContext(ctx)
+	if userID == 0 {
+		return errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	now := time.Now()
+	result := s.db.WithContext(ctx).
+		Model(&model.RefundRequest{}).
+		Where("id = ? AND status = ?", id, model.RefundStatusPending).
+		Updates(map[string]any{
+			"status":       model.RefundStatusReturned,
+			"processor_id": userID,
+			"processed_at": now,
+			"remark":       req.Remark,
+			"updater":      userID,
+			"updated_at":   now,
+		})
+	if result.Error != nil {
+		return errors.Wrap(errors.CodeInternalError, result.Error, "退回退款申请失败")
+	}
+	if result.RowsAffected == 0 {
+		return errors.New(errors.CodeInvalidStatus, "退款申请状态已变更，请刷新后重试")
+	}
+	return nil
+}
+
+// Resubmit 重新提交退款申请
+// 条件更新 WHERE status=4（已退回），修改部分字段后重新进入待审批状态
+func (s *Service) Resubmit(ctx context.Context, id uint, req *dto.ResubmitRefundRequest) error {
+	userID := middleware.GetUserIDFromContext(ctx)
+	if userID == 0 {
+		return errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	now := time.Now()
+	updates := map[string]any{
+		"status":     model.RefundStatusPending,
+		"updater":    userID,
+		"updated_at": now,
+	}
+	if req.ActualReceivedAmount != nil {
+		updates["actual_received_amount"] = *req.ActualReceivedAmount
+	}
+	if req.RequestedRefundAmount != nil {
+		updates["requested_refund_amount"] = *req.RequestedRefundAmount
+	}
+	if req.RefundReason != nil {
+		updates["refund_reason"] = *req.RefundReason
+	}
+
+	result := s.db.WithContext(ctx).
+		Model(&model.RefundRequest{}).
+		Where("id = ? AND status = ?", id, model.RefundStatusReturned).
+		Updates(updates)
+	if result.Error != nil {
+		return errors.Wrap(errors.CodeInternalError, result.Error, "重新提交退款申请失败")
+	}
+	if result.RowsAffected == 0 {
+		return errors.New(errors.CodeInvalidStatus, "仅已退回状态可重新提交")
+	}
+	return nil
+}
+
+// deductAllCommission 异步回扣该订单所有已入账佣金
+// 查询退款单关联订单的所有已入账佣金记录，逐条从代理佣金钱包扣减
+// 失败仅记录日志，不影响审批结果
+func (s *Service) deductAllCommission(ctx context.Context, refundID uint) {
+	logger := s.logger
+
+	// 查询退款单
+	var refund model.RefundRequest
+	if err := s.db.Where("id = ?", refundID).First(&refund).Error; err != nil {
+		logger.Error("佣金回扣：查询退款单失败", zap.Uint("refund_id", refundID), zap.Error(err))
+		return
+	}
+
+	// 查询该订单所有已入账佣金记录
+	var commissions []model.CommissionRecord
+	if err := s.db.Where("order_id = ? AND status = ?", refund.OrderID, model.CommissionStatusReleased).Find(&commissions).Error; err != nil {
+		logger.Error("佣金回扣：查询佣金记录失败", zap.Uint("refund_id", refundID), zap.Uint("order_id", refund.OrderID), zap.Error(err))
+		return
+	}
+
+	if len(commissions) == 0 {
+		logger.Info("佣金回扣：无已入账佣金记录", zap.Uint("refund_id", refundID))
+		// 无佣金需要回扣，直接标记完成
+		s.db.Model(&model.RefundRequest{}).Where("id = ?", refundID).Update("commission_deducted", true)
+		return
+	}
+
+	// 对每条佣金记录执行扣减
+	for _, commission := range commissions {
+		if err := s.deductSingleCommission(ctx, &refund, &commission); err != nil {
+			logger.Error("佣金回扣：单条佣金扣减失败",
+				zap.Uint("refund_id", refundID),
+				zap.Uint("commission_id", commission.ID),
+				zap.Uint("shop_id", commission.ShopID),
+				zap.Int64("amount", commission.Amount),
+				zap.Error(err),
+			)
+			// 继续处理下一条，不中断
+		}
+	}
+
+	// 全部完成后标记退款单佣金已回扣
+	if err := s.db.Model(&model.RefundRequest{}).Where("id = ?", refundID).Update("commission_deducted", true).Error; err != nil {
+		logger.Error("佣金回扣：更新回扣标记失败", zap.Uint("refund_id", refundID), zap.Error(err))
+	}
+}
+
+// deductSingleCommission 扣减单条佣金记录对应的代理钱包余额
+// 使用乐观锁扣减（允许余额为负数），并创建交易流水
+func (s *Service) deductSingleCommission(ctx context.Context, refund *model.RefundRequest, commission *model.CommissionRecord) error {
+	// 获取对应代理的佣金钱包
+	wallet, err := s.agentWalletStore.GetCommissionWallet(ctx, commission.ShopID)
+	if err != nil {
+		return fmt.Errorf("获取佣金钱包失败: shop_id=%d, %w", commission.ShopID, err)
+	}
+
+	// 乐观锁扣减余额（允许负数）
+	result := s.db.Model(&model.AgentWallet{}).
+		Where("id = ? AND version = ?", wallet.ID, wallet.Version).
+		Updates(map[string]any{
+			"balance": gorm.Expr("balance - ?", commission.Amount),
+			"version": gorm.Expr("version + 1"),
+		})
+	if result.Error != nil {
+		return fmt.Errorf("扣减钱包余额失败: %w", result.Error)
+	}
+	if result.RowsAffected == 0 {
+		return fmt.Errorf("乐观锁冲突: wallet_id=%d, version=%d", wallet.ID, wallet.Version)
+	}
+
+	// 创建交易流水
+	refType := constants.ReferenceTypeRefund
+	refID := refund.ID
+	transaction := &model.AgentWalletTransaction{
+		AgentWalletID:   wallet.ID,
+		ShopID:          commission.ShopID,
+		UserID:          refund.Creator,
+		TransactionType: constants.AgentTransactionTypeCommissionDeduct,
+		Amount:          -commission.Amount,
+		BalanceBefore:   wallet.Balance,
+		BalanceAfter:    wallet.Balance - commission.Amount,
+		Status:          constants.TransactionStatusSuccess,
+		ReferenceType:   &refType,
+		ReferenceID:     &refID,
+		Creator:         refund.Creator,
+		ShopIDTag:       commission.ShopID,
+	}
+
+	if err := s.agentWalletTransactionStore.CreateWithTx(ctx, s.db, transaction); err != nil {
+		return fmt.Errorf("创建交易流水失败: %w", err)
+	}
+
+	return nil
+}
+
+// handleAssetReset 异步处理资产重置
+// 包括：套餐失效、停机、世代重置（generation+1）、钱包重建、订单状态更新
+// 失败仅记录日志，不影响审批结果
+func (s *Service) handleAssetReset(ctx context.Context, refundID uint) {
+	logger := s.logger
+
+	// 查询退款单
+	var refund model.RefundRequest
+	if err := s.db.Where("id = ?", refundID).First(&refund).Error; err != nil {
+		logger.Error("资产重置：查询退款单失败", zap.Uint("refund_id", refundID), zap.Error(err))
+		return
+	}
+
+	// 查询关联订单
+	var order model.Order
+	if err := s.db.Where("id = ?", refund.OrderID).First(&order).Error; err != nil {
+		logger.Error("资产重置：查询订单失败", zap.Uint("refund_id", refundID), zap.Uint("order_id", refund.OrderID), zap.Error(err))
+		return
+	}
+
+	// 确定资产类型和 ID
+	var assetType string
+	var assetID uint
+	switch order.OrderType {
+	case model.OrderTypeSingleCard:
+		if order.IotCardID == nil {
+			logger.Error("资产重置：单卡订单缺少 iot_card_id", zap.Uint("order_id", order.ID))
+			return
+		}
+		assetType = "iot_card"
+		assetID = *order.IotCardID
+	case model.OrderTypeDevice:
+		if order.DeviceID == nil {
+			logger.Error("资产重置：设备订单缺少 device_id", zap.Uint("order_id", order.ID))
+			return
+		}
+		assetType = "device"
+		assetID = *order.DeviceID
+	default:
+		logger.Error("资产重置：未知订单类型", zap.String("order_type", order.OrderType))
+		return
+	}
+
+	// 1. 失效所有套餐
+	if s.packageActivationService != nil {
+		if err := s.packageActivationService.InvalidateAllPackagesByAsset(ctx, assetType, assetID); err != nil {
+			logger.Error("资产重置：失效套餐失败", zap.String("asset_type", assetType), zap.Uint("asset_id", assetID), zap.Error(err))
+		}
+	}
+
+	// 2. 停机
+	s.stopAsset(ctx, assetType, assetID)
+
+	// 3. 世代重置（参照 exchange/service.go）
+	if err := s.resetAssetGeneration(ctx, assetType, assetID); err != nil {
+		logger.Error("资产重置：世代重置失败", zap.String("asset_type", assetType), zap.Uint("asset_id", assetID), zap.Error(err))
+		return
+	}
+
+	// 4. 更新订单支付状态为已退款
+	if err := s.db.Model(&model.Order{}).Where("id = ?", order.ID).Update("payment_status", model.PaymentStatusRefunded).Error; err != nil {
+		logger.Error("资产重置：更新订单状态失败", zap.Uint("order_id", order.ID), zap.Error(err))
+	}
+
+	// 5. 标记退款单资产已重置
+	if err := s.db.Model(&model.RefundRequest{}).Where("id = ?", refundID).Update("asset_reset", true).Error; err != nil {
+		logger.Error("资产重置：更新重置标记失败", zap.Uint("refund_id", refundID), zap.Error(err))
+	}
+}
+
+// stopAsset 根据资产类型执行停机操作
+func (s *Service) stopAsset(ctx context.Context, assetType string, assetID uint) {
+	logger := s.logger
+
+	switch assetType {
+	case "iot_card":
+		// 单卡停机：需要先查卡获取 iccid
+		card, err := s.iotCardStore.GetByID(ctx, assetID)
+		if err != nil {
+			logger.Error("资产重置：查询卡信息失败", zap.Uint("card_id", assetID), zap.Error(err))
+			return
+		}
+		if s.stopResumeService != nil {
+			if err := s.stopResumeService.ManualStopCard(ctx, card.ICCID); err != nil {
+				logger.Error("资产重置：单卡停机失败", zap.String("iccid", card.ICCID), zap.Error(err))
+			}
+		}
+	case "device":
+		// 设备停机
+		if s.deviceService != nil {
+			if _, err := s.deviceService.StopDevice(ctx, assetID); err != nil {
+				logger.Error("资产重置：设备停机失败", zap.Uint("device_id", assetID), zap.Error(err))
+			}
+		}
+	}
+}
+
+// resetAssetGeneration 执行资产世代重置
+// 参照 exchange/service.go 实现：
+// 1. generation+1, asset_status=1, 清零累计充值和佣金标记
+// 2. 清理个人客户绑定
+// 3. 删除旧钱包、创建新空钱包
+func (s *Service) resetAssetGeneration(ctx context.Context, assetType string, assetID uint) error {
+	return s.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		now := time.Now()
+
+		if assetType == "iot_card" {
+			var card model.IotCard
+			if err := tx.Where("id = ?", assetID).First(&card).Error; err != nil {
+				return fmt.Errorf("查询卡信息失败: %w", err)
+			}
+
+			// 世代+1, 重置状态和累计数据
+			if err := tx.Model(&model.IotCard{}).Where("id = ?", card.ID).Updates(map[string]any{
+				"generation":                         card.Generation + 1,
+				"asset_status":                       1,
+				"accumulated_recharge":               0,
+				"first_commission_paid":              false,
+				"accumulated_recharge_by_series":     "{}",
+				"first_recharge_triggered_by_series": "{}",
+				"updated_at":                         now,
+			}).Error; err != nil {
+				return fmt.Errorf("重置卡世代失败: %w", err)
+			}
+
+			// 清理个人客户绑定（按 virtual_no）
+			if card.VirtualNo != "" {
+				if err := tx.Where("virtual_no = ?", card.VirtualNo).Delete(&model.PersonalCustomerDevice{}).Error; err != nil {
+					return fmt.Errorf("清理个人客户绑定失败: %w", err)
+				}
+			}
+
+			// 删除旧钱包、创建新空钱包
+			if err := tx.Where("resource_type = ? AND resource_id = ?", constants.ExchangeAssetTypeIotCard, card.ID).Delete(&model.AssetWallet{}).Error; err != nil {
+				return fmt.Errorf("清理旧钱包失败: %w", err)
+			}
+
+			shopTag := uint(0)
+			if card.ShopID != nil {
+				shopTag = *card.ShopID
+			}
+			if err := tx.Create(&model.AssetWallet{
+				ResourceType:  constants.ExchangeAssetTypeIotCard,
+				ResourceID:    card.ID,
+				Balance:       0,
+				FrozenBalance: 0,
+				Currency:      "CNY",
+				Status:        1,
+				Version:       0,
+				ShopIDTag:     shopTag,
+			}).Error; err != nil {
+				return fmt.Errorf("创建新钱包失败: %w", err)
+			}
+
+			return nil
+		}
+
+		// 设备类型
+		var device model.Device
+		if err := tx.Where("id = ?", assetID).First(&device).Error; err != nil {
+			return fmt.Errorf("查询设备失败: %w", err)
+		}
+
+		// 世代+1, 重置状态和累计数据
+		if err := tx.Model(&model.Device{}).Where("id = ?", device.ID).Updates(map[string]any{
+			"generation":                         device.Generation + 1,
+			"asset_status":                       1,
+			"accumulated_recharge":               0,
+			"first_commission_paid":              false,
+			"accumulated_recharge_by_series":     "{}",
+			"first_recharge_triggered_by_series": "{}",
+			"updated_at":                         now,
+		}).Error; err != nil {
+			return fmt.Errorf("重置设备世代失败: %w", err)
+		}
+
+		// 清理个人客户绑定（按 virtual_no）
+		if device.VirtualNo != "" {
+			if err := tx.Where("virtual_no = ?", device.VirtualNo).Delete(&model.PersonalCustomerDevice{}).Error; err != nil {
+				return fmt.Errorf("清理个人客户绑定失败: %w", err)
+			}
+		}
+
+		// 删除旧钱包、创建新空钱包
+		if err := tx.Where("resource_type = ? AND resource_id = ?", constants.ExchangeAssetTypeDevice, device.ID).Delete(&model.AssetWallet{}).Error; err != nil {
+			return fmt.Errorf("清理旧钱包失败: %w", err)
+		}
+
+		shopTag := uint(0)
+		if device.ShopID != nil {
+			shopTag = *device.ShopID
+		}
+		if err := tx.Create(&model.AssetWallet{
+			ResourceType:  constants.ExchangeAssetTypeDevice,
+			ResourceID:    device.ID,
+			Balance:       0,
+			FrozenBalance: 0,
+			Currency:      "CNY",
+			Status:        1,
+			Version:       0,
+			ShopIDTag:     shopTag,
+		}).Error; err != nil {
+			return fmt.Errorf("创建新钱包失败: %w", err)
+		}
+
+		return nil
+	})
+}
+
+// generateRefundNo 生成退款单号
+// 格式：RF + 日期时间 + 6位随机数
+func generateRefundNo() string {
+	now := time.Now()
+	randomNum := rand.Intn(1000000)
+	return fmt.Sprintf("RF%s%06d", now.Format("20060102150405"), randomNum)
+}
+
+// buildRefundResponse 将退款 Model 转换为 DTO 响应
+func buildRefundResponse(r *model.RefundRequest) *dto.RefundResponse {
+	resp := &dto.RefundResponse{
+		ID:                    r.ID,
+		RefundNo:              r.RefundNo,
+		OrderID:               r.OrderID,
+		PackageUsageID:        r.PackageUsageID,
+		ShopID:                r.ShopID,
+		ActualReceivedAmount:  r.ActualReceivedAmount,
+		RequestedRefundAmount: r.RequestedRefundAmount,
+		ApprovedRefundAmount:  r.ApprovedRefundAmount,
+		RefundReason:          r.RefundReason,
+		Status:                r.Status,
+		ProcessorID:           r.ProcessorID,
+		RejectReason:          r.RejectReason,
+		Remark:                r.Remark,
+		CommissionDeducted:    r.CommissionDeducted,
+		AssetReset:            r.AssetReset,
+		Creator:               r.Creator,
+		Updater:               r.Updater,
+		CreatedAt:             r.CreatedAt.Format("2006-01-02 15:04:05"),
+		UpdatedAt:             r.UpdatedAt.Format("2006-01-02 15:04:05"),
+	}
+
+	if r.ProcessedAt != nil {
+		resp.ProcessedAt = r.ProcessedAt.Format("2006-01-02 15:04:05")
+	}
+
+	return resp
+}