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/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
+}