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/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,
 	}
 }