feat: 钱包系统分离 - 代理钱包与卡钱包完全隔离

## 变更概述
将统一钱包系统拆分为代理钱包和卡钱包两个独立系统，实现数据表和代码层面的完全隔离。

## 数据库变更
- 新增 6 张表：tb_agent_wallet、tb_agent_wallet_transaction、tb_agent_recharge_record、tb_card_wallet、tb_card_wallet_transaction、tb_card_recharge_record
- 删除 3 张旧表：tb_wallet、tb_wallet_transaction、tb_recharge_record
- 代理钱包：按 (shop_id, wallet_type) 唯一标识，支持主钱包和分佣钱包
- 卡钱包：按 (resource_type, resource_id) 唯一标识，支持物联网卡和设备

## 代码变更
- Model 层：新增 AgentWallet、AgentWalletTransaction、AgentRechargeRecord、CardWallet、CardWalletTransaction、CardRechargeRecord 模型
- Store 层：新增 6 个独立 Store，支持事务、乐观锁、Redis 缓存
- Service 层：重构 commission_calculation、commission_withdrawal、order、recharge 等 8 个服务
- Bootstrap 层：更新 Store 和 Service 依赖注入
- 常量层：按钱包类型重新组织常量和 Redis Key 生成函数

## 技术特性
- 乐观锁：使用 version 字段防止并发冲突
- 多租户：支持 shop_id_tag 和 enterprise_id_tag 过滤
- 事务管理：所有余额变动使用事务保证 ACID
- 缓存策略：Cache-Aside 模式，余额变动后删除缓存

## 业务影响
- 代理钱包和卡钱包业务完全隔离，互不影响
- 为独立监控、优化、扩展打下基础
- 提升代理钱包的稳定性和独立性

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

internal/bootstrap/services.go

@@ -98,8 +98,8 @@ func initServices(s *stores, deps *Dependencies) *services {
 		PersonalCustomer:            personalCustomerSvc.NewService(s.PersonalCustomer, s.PersonalCustomerPhone, deps.VerificationService, deps.JWTManager, deps.WechatOfficialAccount, deps.Logger),
 		Shop:                        shopSvc.New(s.Shop, s.Account, s.ShopRole, s.Role),
 		Auth:                        authSvc.New(s.Account, s.AccountRole, s.RolePermission, s.Permission, deps.TokenManager, deps.Logger),
-		ShopCommission:              shopCommissionSvc.New(s.Shop, s.Account, s.Wallet, s.CommissionWithdrawalRequest, s.CommissionRecord),
-		CommissionWithdrawal:        commissionWithdrawalSvc.New(deps.DB, s.Shop, s.Account, s.Wallet, s.WalletTransaction, s.CommissionWithdrawalRequest),
+		ShopCommission:              shopCommissionSvc.New(s.Shop, s.Account, s.AgentWallet, s.CommissionWithdrawalRequest, s.CommissionRecord),
+		CommissionWithdrawal:        commissionWithdrawalSvc.New(deps.DB, s.Shop, s.Account, s.AgentWallet, s.AgentWalletTransaction, s.CommissionWithdrawalRequest),
 		CommissionWithdrawalSetting: commissionWithdrawalSettingSvc.New(deps.DB, s.Account, s.CommissionWithdrawalSetting),
 		CommissionCalculation: commissionCalculationSvc.New(
 			deps.DB,
@@ -110,8 +110,8 @@ func initServices(s *stores, deps *Dependencies) *services {
 			s.PackageSeries,
 			s.IotCard,
 			s.Device,
-			s.Wallet,
-			s.WalletTransaction,
+			s.AgentWallet,
+			s.AgentWalletTransaction,
 			s.Order,
 			s.OrderItem,
 			s.Package,
@@ -123,7 +123,7 @@ func initServices(s *stores, deps *Dependencies) *services {
 		EnterpriseCard:             enterpriseCardSvc.New(deps.DB, s.Enterprise, s.EnterpriseCardAuthorization),
 		EnterpriseDevice:           enterpriseDeviceSvc.New(deps.DB, s.Enterprise, s.Device, s.DeviceSimBinding, s.EnterpriseDeviceAuthorization, s.EnterpriseCardAuthorization, deps.Logger),
 		Authorization:              enterpriseCardSvc.NewAuthorizationService(s.Enterprise, s.IotCard, s.EnterpriseCardAuthorization, deps.Logger),
-		MyCommission:               myCommissionSvc.New(deps.DB, s.Shop, s.Wallet, s.CommissionWithdrawalRequest, s.CommissionWithdrawalSetting, s.CommissionRecord, s.WalletTransaction),
+		MyCommission:               myCommissionSvc.New(deps.DB, s.Shop, s.AgentWallet, s.CommissionWithdrawalRequest, s.CommissionWithdrawalSetting, s.CommissionRecord, s.AgentWalletTransaction),
 		IotCard:                    iotCard,
 		IotCardImport:              iotCardImportSvc.New(deps.DB, s.IotCardImportTask, deps.QueueClient),
 		Device:                     deviceSvc.New(deps.DB, s.Device, s.DeviceSimBinding, s.IotCard, s.Shop, s.AssetAllocationRecord, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.PackageSeries),
@@ -140,8 +140,8 @@ func initServices(s *stores, deps *Dependencies) *services {
 		ShopPackageBatchPricing:    shopPackageBatchPricingSvc.New(deps.DB, s.ShopPackageAllocation, s.ShopPackageAllocationPriceHistory, s.Shop),
 		CommissionStats:            commissionStatsSvc.New(s.ShopSeriesCommissionStats),
 		PurchaseValidation:         purchaseValidation,
-		Order:                      orderSvc.New(deps.DB, deps.Redis, s.Order, s.OrderItem, s.Wallet, purchaseValidation, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.IotCard, s.Device, s.PackageSeries, s.PackageUsage, s.Package, deps.WechatPayment, deps.QueueClient, deps.Logger),
-		Recharge:                   rechargeSvc.New(deps.DB, s.Recharge, s.Wallet, s.WalletTransaction, s.IotCard, s.Device, s.ShopSeriesAllocation, s.PackageSeries, s.CommissionRecord, deps.Logger),
+		Order:                      orderSvc.New(deps.DB, deps.Redis, s.Order, s.OrderItem, s.AgentWallet, s.CardWallet, purchaseValidation, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.IotCard, s.Device, s.PackageSeries, s.PackageUsage, s.Package, deps.WechatPayment, deps.QueueClient, deps.Logger),
+		Recharge:                   rechargeSvc.New(deps.DB, s.CardRecharge, s.CardWallet, s.CardWalletTransaction, s.IotCard, s.Device, s.ShopSeriesAllocation, s.PackageSeries, s.CommissionRecord, deps.Logger),
 		PollingConfig:              pollingSvc.NewConfigService(s.PollingConfig),
 		PollingConcurrency:         pollingSvc.NewConcurrencyService(s.PollingConcurrencyConfig, deps.Redis),
 		PollingMonitoring:          pollingSvc.NewMonitoringService(deps.Redis),

internal/bootstrap/stores.go

@@ -15,10 +15,8 @@ type stores struct {
 	RolePermission                    *postgres.RolePermissionStore
 	PersonalCustomer                  *postgres.PersonalCustomerStore
 	PersonalCustomerPhone             *postgres.PersonalCustomerPhoneStore
-	Wallet                            *postgres.WalletStore
 	CommissionWithdrawalRequest       *postgres.CommissionWithdrawalRequestStore
 	CommissionRecord                  *postgres.CommissionRecordStore
-	WalletTransaction                 *postgres.WalletTransactionStore
 	CommissionWithdrawalSetting       *postgres.CommissionWithdrawalSettingStore
 	Enterprise                        *postgres.EnterpriseStore
 	EnterpriseCardAuthorization       *postgres.EnterpriseCardAuthorizationStore
@@ -40,7 +38,6 @@ type stores struct {
 	ShopSeriesCommissionStats         *postgres.ShopSeriesCommissionStatsStore
 	Order                             *postgres.OrderStore
 	OrderItem                         *postgres.OrderItemStore
-	Recharge                          *postgres.RechargeStore
 	PollingConfig                     *postgres.PollingConfigStore
 	PollingConcurrencyConfig          *postgres.PollingConcurrencyConfigStore
 	PollingAlertRule                  *postgres.PollingAlertRuleStore
@@ -48,6 +45,14 @@ type stores struct {
 	DataCleanupConfig                 *postgres.DataCleanupConfigStore
 	DataCleanupLog                    *postgres.DataCleanupLogStore
 	PollingManualTriggerLog           *postgres.PollingManualTriggerLogStore
+	// 代理钱包系统
+	AgentWallet            *postgres.AgentWalletStore
+	AgentWalletTransaction *postgres.AgentWalletTransactionStore
+	AgentRecharge          *postgres.AgentRechargeStore
+	// 卡钱包系统
+	CardWallet            *postgres.CardWalletStore
+	CardWalletTransaction *postgres.CardWalletTransactionStore
+	CardRecharge          *postgres.CardRechargeStore
 }
 
 func initStores(deps *Dependencies) *stores {
@@ -62,10 +67,8 @@ func initStores(deps *Dependencies) *stores {
 		RolePermission:                    postgres.NewRolePermissionStore(deps.DB, deps.Redis),
 		PersonalCustomer:                  postgres.NewPersonalCustomerStore(deps.DB, deps.Redis),
 		PersonalCustomerPhone:             postgres.NewPersonalCustomerPhoneStore(deps.DB),
-		Wallet:                            postgres.NewWalletStore(deps.DB, deps.Redis),
 		CommissionWithdrawalRequest:       postgres.NewCommissionWithdrawalRequestStore(deps.DB, deps.Redis),
 		CommissionRecord:                  postgres.NewCommissionRecordStore(deps.DB, deps.Redis),
-		WalletTransaction:                 postgres.NewWalletTransactionStore(deps.DB, deps.Redis),
 		CommissionWithdrawalSetting:       postgres.NewCommissionWithdrawalSettingStore(deps.DB, deps.Redis),
 		Enterprise:                        postgres.NewEnterpriseStore(deps.DB, deps.Redis),
 		EnterpriseCardAuthorization:       postgres.NewEnterpriseCardAuthorizationStore(deps.DB, deps.Redis),
@@ -87,7 +90,6 @@ func initStores(deps *Dependencies) *stores {
 		ShopSeriesCommissionStats:         postgres.NewShopSeriesCommissionStatsStore(deps.DB),
 		Order:                             postgres.NewOrderStore(deps.DB, deps.Redis),
 		OrderItem:                         postgres.NewOrderItemStore(deps.DB, deps.Redis),
-		Recharge:                          postgres.NewRechargeStore(deps.DB, deps.Redis),
 		PollingConfig:                     postgres.NewPollingConfigStore(deps.DB),
 		PollingConcurrencyConfig:          postgres.NewPollingConcurrencyConfigStore(deps.DB),
 		PollingAlertRule:                  postgres.NewPollingAlertRuleStore(deps.DB),
@@ -95,5 +97,13 @@ func initStores(deps *Dependencies) *stores {
 		DataCleanupConfig:                 postgres.NewDataCleanupConfigStore(deps.DB),
 		DataCleanupLog:                    postgres.NewDataCleanupLogStore(deps.DB),
 		PollingManualTriggerLog:           postgres.NewPollingManualTriggerLogStore(deps.DB),
+		// 代理钱包系统
+		AgentWallet:            postgres.NewAgentWalletStore(deps.DB, deps.Redis),
+		AgentWalletTransaction: postgres.NewAgentWalletTransactionStore(deps.DB, deps.Redis),
+		AgentRecharge:          postgres.NewAgentRechargeStore(deps.DB, deps.Redis),
+		// 卡钱包系统
+		CardWallet:            postgres.NewCardWalletStore(deps.DB, deps.Redis),
+		CardWalletTransaction: postgres.NewCardWalletTransactionStore(deps.DB, deps.Redis),
+		CardRecharge:          postgres.NewCardRechargeStore(deps.DB, deps.Redis),
 	}
 }

internal/bootstrap/worker_services.go

@@ -30,8 +30,8 @@ func initWorkerServices(stores *queue.WorkerStores, deps *WorkerDependencies) *q
 		stores.PackageSeries,
 		stores.IotCard,
 		stores.Device,
-		stores.Wallet,
-		stores.WalletTransaction,
+		stores.AgentWallet,
+		stores.AgentWalletTransaction,
 		stores.Order,
 		stores.OrderItem,
 		stores.Package,

internal/bootstrap/worker_stores.go

@@ -17,8 +17,6 @@ type workerStores struct {
 	Shop                      *postgres.ShopStore
 	ShopSeriesAllocation      *postgres.ShopSeriesAllocationStore
 	PackageSeries             *postgres.PackageSeriesStore
-	Wallet                    *postgres.WalletStore
-	WalletTransaction         *postgres.WalletTransactionStore
 	Order                     *postgres.OrderStore
 	OrderItem                 *postgres.OrderItemStore
 	Package                   *postgres.PackageStore
@@ -28,6 +26,8 @@ type workerStores struct {
 	PollingAlertHistory       *postgres.PollingAlertHistoryStore
 	DataCleanupConfig         *postgres.DataCleanupConfigStore
 	DataCleanupLog            *postgres.DataCleanupLogStore
+	AgentWallet               *postgres.AgentWalletStore
+	AgentWalletTransaction    *postgres.AgentWalletTransactionStore
 }
 
 func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
@@ -43,8 +43,6 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		Shop:                      postgres.NewShopStore(deps.DB, deps.Redis),
 		ShopSeriesAllocation:      postgres.NewShopSeriesAllocationStore(deps.DB),
 		PackageSeries:             postgres.NewPackageSeriesStore(deps.DB),
-		Wallet:                    postgres.NewWalletStore(deps.DB, deps.Redis),
-		WalletTransaction:         postgres.NewWalletTransactionStore(deps.DB, deps.Redis),
 		Order:                     postgres.NewOrderStore(deps.DB, deps.Redis),
 		OrderItem:                 postgres.NewOrderItemStore(deps.DB, deps.Redis),
 		Package:                   postgres.NewPackageStore(deps.DB),
@@ -54,6 +52,8 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		PollingAlertHistory:       postgres.NewPollingAlertHistoryStore(deps.DB),
 		DataCleanupConfig:         postgres.NewDataCleanupConfigStore(deps.DB),
 		DataCleanupLog:            postgres.NewDataCleanupLogStore(deps.DB),
+		AgentWallet:               postgres.NewAgentWalletStore(deps.DB, deps.Redis),
+		AgentWalletTransaction:    postgres.NewAgentWalletTransactionStore(deps.DB, deps.Redis),
 	}
 
 	return &queue.WorkerStores{
@@ -68,8 +68,6 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		Shop:                      stores.Shop,
 		ShopSeriesAllocation:      stores.ShopSeriesAllocation,
 		PackageSeries:             stores.PackageSeries,
-		Wallet:                    stores.Wallet,
-		WalletTransaction:         stores.WalletTransaction,
 		Order:                     stores.Order,
 		OrderItem:                 stores.OrderItem,
 		Package:                   stores.Package,
@@ -79,5 +77,7 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		PollingAlertHistory:       stores.PollingAlertHistory,
 		DataCleanupConfig:         stores.DataCleanupConfig,
 		DataCleanupLog:            stores.DataCleanupLog,
+		AgentWallet:               stores.AgentWallet,
+		AgentWalletTransaction:    stores.AgentWalletTransaction,
 	}
 }