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/service/commission_withdrawal/service.go

@@ -19,8 +19,8 @@ type Service struct {
 	db                           *gorm.DB
 	shopStore                    *postgres.ShopStore
 	accountStore                 *postgres.AccountStore
-	walletStore                  *postgres.WalletStore
-	walletTransactionStore       *postgres.WalletTransactionStore
+	agentWalletStore             *postgres.AgentWalletStore
+	agentWalletTransactionStore  *postgres.AgentWalletTransactionStore
 	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore
 }
 
@@ -28,16 +28,16 @@ func New(
 	db *gorm.DB,
 	shopStore *postgres.ShopStore,
 	accountStore *postgres.AccountStore,
-	walletStore *postgres.WalletStore,
-	walletTransactionStore *postgres.WalletTransactionStore,
+	agentWalletStore *postgres.AgentWalletStore,
+	agentWalletTransactionStore *postgres.AgentWalletTransactionStore,
 	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore,
 ) *Service {
 	return &Service{
 		db:                           db,
 		shopStore:                    shopStore,
 		accountStore:                 accountStore,
-		walletStore:                  walletStore,
-		walletTransactionStore:       walletTransactionStore,
+		agentWalletStore:             agentWalletStore,
+		agentWalletTransactionStore:  agentWalletTransactionStore,
 		commissionWithdrawalReqStore: commissionWithdrawalReqStore,
 	}
 }
@@ -157,7 +157,8 @@ func (s *Service) Approve(ctx context.Context, id uint, req *dto.ApproveWithdraw
 		return nil, errors.New(errors.CodeInvalidStatus, "申请状态不允许此操作")
 	}
 
-	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, withdrawal.ShopID)
+	// 获取店铺分佣钱包
+	wallet, err := s.agentWalletStore.GetCommissionWallet(ctx, withdrawal.ShopID)
 	if err != nil {
 		return nil, errors.New(errors.CodeNotFound, "店铺佣金钱包不存在")
 	}
@@ -173,14 +174,17 @@ func (s *Service) Approve(ctx context.Context, id uint, req *dto.ApproveWithdraw
 
 	now := time.Now()
 	err = s.db.Transaction(func(tx *gorm.DB) error {
-		if err := s.walletStore.DeductFrozenBalanceWithTx(ctx, tx, wallet.ID, amount); err != nil {
+		// 从冻结余额扣款
+		if err := s.agentWalletStore.DeductFrozenBalanceWithTx(ctx, tx, wallet.ID, amount); err != nil {
 			return errors.Wrap(errors.CodeInternalError, err, "扣除冻结余额失败")
 		}
 
+		// 创建代理钱包交易记录
 		refType := "withdrawal"
 		refID := withdrawal.ID
-		transaction := &model.WalletTransaction{
-			WalletID:        wallet.ID,
+		transaction := &model.AgentWalletTransaction{
+			AgentWalletID:   wallet.ID,
+			ShopID:          withdrawal.ShopID,
 			UserID:          currentUserID,
 			TransactionType: "withdrawal",
 			Amount:          -amount,
@@ -190,8 +194,9 @@ func (s *Service) Approve(ctx context.Context, id uint, req *dto.ApproveWithdraw
 			ReferenceType:   &refType,
 			ReferenceID:     &refID,
 			Creator:         currentUserID,
+			ShopIDTag:       withdrawal.ShopID,
 		}
-		if err := s.walletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
+		if err := s.agentWalletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
 			return errors.Wrap(errors.CodeInternalError, err, "创建交易流水失败")
 		}
 
@@ -265,21 +270,22 @@ func (s *Service) Reject(ctx context.Context, id uint, req *dto.RejectWithdrawal
 		return nil, errors.New(errors.CodeInvalidStatus, "申请状态不允许此操作")
 	}
 
-	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, withdrawal.ShopID)
+	wallet, err := s.agentWalletStore.GetCommissionWallet(ctx, withdrawal.ShopID)
 	if err != nil {
 		return nil, errors.New(errors.CodeNotFound, "店铺佣金钱包不存在")
 	}
 
 	now := time.Now()
 	err = s.db.Transaction(func(tx *gorm.DB) error {
-		if err := s.walletStore.UnfreezeBalanceWithTx(ctx, tx, wallet.ID, withdrawal.Amount); err != nil {
+		if err := s.agentWalletStore.UnfreezeBalanceWithTx(ctx, tx, wallet.ID, withdrawal.Amount); err != nil {
 			return errors.Wrap(errors.CodeInternalError, err, "解冻余额失败")
 		}
 
 		refType := "withdrawal"
 		refID := withdrawal.ID
-		transaction := &model.WalletTransaction{
-			WalletID:        wallet.ID,
+		transaction := &model.AgentWalletTransaction{
+			AgentWalletID:   wallet.ID,
+			ShopID:          withdrawal.ShopID,
 			UserID:          currentUserID,
 			TransactionType: "refund",
 			Amount:          withdrawal.Amount,
@@ -289,8 +295,9 @@ func (s *Service) Reject(ctx context.Context, id uint, req *dto.RejectWithdrawal
 			ReferenceType:   &refType,
 			ReferenceID:     &refID,
 			Creator:         currentUserID,
+			ShopIDTag:       withdrawal.ShopID,
 		}
-		if err := s.walletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
+		if err := s.agentWalletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
 			return errors.Wrap(errors.CodeInternalError, err, "创建交易流水失败")
 		}