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/my_commission/service.go

@@ -19,30 +19,30 @@ import (
 type Service struct {
 	db                               *gorm.DB
 	shopStore                        *postgres.ShopStore
-	walletStore                      *postgres.WalletStore
+	agentWalletStore                 *postgres.AgentWalletStore
 	commissionWithdrawalRequestStore *postgres.CommissionWithdrawalRequestStore
 	commissionWithdrawalSettingStore *postgres.CommissionWithdrawalSettingStore
 	commissionRecordStore            *postgres.CommissionRecordStore
-	walletTransactionStore           *postgres.WalletTransactionStore
+	agentWalletTransactionStore      *postgres.AgentWalletTransactionStore
 }
 
 func New(
 	db *gorm.DB,
 	shopStore *postgres.ShopStore,
-	walletStore *postgres.WalletStore,
+	agentWalletStore *postgres.AgentWalletStore,
 	commissionWithdrawalRequestStore *postgres.CommissionWithdrawalRequestStore,
 	commissionWithdrawalSettingStore *postgres.CommissionWithdrawalSettingStore,
 	commissionRecordStore *postgres.CommissionRecordStore,
-	walletTransactionStore *postgres.WalletTransactionStore,
+	agentWalletTransactionStore *postgres.AgentWalletTransactionStore,
 ) *Service {
 	return &Service{
 		db:                               db,
 		shopStore:                        shopStore,
-		walletStore:                      walletStore,
+		agentWalletStore:                 agentWalletStore,
 		commissionWithdrawalRequestStore: commissionWithdrawalRequestStore,
 		commissionWithdrawalSettingStore: commissionWithdrawalSettingStore,
 		commissionRecordStore:            commissionRecordStore,
-		walletTransactionStore:           walletTransactionStore,
+		agentWalletTransactionStore:      agentWalletTransactionStore,
 	}
 }
 
@@ -63,8 +63,8 @@ func (s *Service) GetCommissionSummary(ctx context.Context) (*dto.MyCommissionSu
 		return nil, errors.New(errors.CodeShopNotFound, "店铺不存在")
 	}
 
-	// 使用 GetShopCommissionWallet 获取店铺佣金钱包
-	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, shopID)
+	// 使用 GetCommissionWallet 获取店铺佣金钱包
+	wallet, err := s.agentWalletStore.GetCommissionWallet(ctx, shopID)
 	if err != nil {
 		// 钱包不存在时返回空数据
 		return &dto.MyCommissionSummaryResp{
@@ -120,7 +120,7 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 	}
 
 	// 获取钱包
-	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, shopID)
+	wallet, err := s.agentWalletStore.GetCommissionWallet(ctx, shopID)
 	if err != nil {
 		return nil, errors.New(errors.CodeInsufficientBalance, "钱包不存在")
 	}
@@ -160,7 +160,7 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 
 	err = s.db.Transaction(func(tx *gorm.DB) error {
 		// 冻结余额
-		if err := tx.WithContext(ctx).Model(&model.Wallet{}).
+		if err := tx.WithContext(ctx).Model(&model.AgentWallet{}).
 			Where("id = ? AND balance >= ?", wallet.ID, req.Amount).
 			Updates(map[string]interface{}{
 				"balance":        gorm.Expr("balance - ?", req.Amount),
@@ -192,8 +192,9 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 		// 创建钱包流水记录
 		remark := fmt.Sprintf("提现冻结，单号：%s", withdrawalNo)
 		refType := constants.ReferenceTypeWithdrawal
-		transaction := &model.WalletTransaction{
-			WalletID:        wallet.ID,
+		transaction := &model.AgentWalletTransaction{
+			AgentWalletID:   wallet.ID,
+			ShopID:          shopID,
 			UserID:          currentUserID,
 			TransactionType: constants.TransactionTypeWithdrawal,
 			Amount:          -req.Amount, // 冻结为负数
@@ -204,6 +205,7 @@ func (s *Service) CreateWithdrawalRequest(ctx context.Context, req *dto.CreateMy
 			ReferenceID:     &withdrawalRequest.ID,
 			Remark:          &remark,
 			Creator:         currentUserID,
+			ShopIDTag:       shopID,
 		}
 
 		if err := tx.WithContext(ctx).Create(transaction).Error; err != nil {