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/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),
 	}
 }