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),