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/recharge/service.go

@@ -29,26 +29,26 @@ type ForceRechargeRequirement struct {
 }
 
 // Service 充值服务
-// 负责充值订单的创建、预检、支付回调处理等业务逻辑
+// 负责卡钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
 type Service struct {
-	db                        *gorm.DB
-	rechargeStore             *postgres.RechargeStore
-	walletStore               *postgres.WalletStore
-	walletTransactionStore    *postgres.WalletTransactionStore
-	iotCardStore              *postgres.IotCardStore
-	deviceStore               *postgres.DeviceStore
-	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore
-	packageSeriesStore        *postgres.PackageSeriesStore
-	commissionRecordStore     *postgres.CommissionRecordStore
-	logger                    *zap.Logger
+	db                         *gorm.DB
+	cardRechargeStore          *postgres.CardRechargeStore
+	cardWalletStore            *postgres.CardWalletStore
+	cardWalletTransactionStore *postgres.CardWalletTransactionStore
+	iotCardStore               *postgres.IotCardStore
+	deviceStore                *postgres.DeviceStore
+	shopSeriesAllocationStore  *postgres.ShopSeriesAllocationStore
+	packageSeriesStore         *postgres.PackageSeriesStore
+	commissionRecordStore      *postgres.CommissionRecordStore
+	logger                     *zap.Logger
 }
 
 // New 创建充值服务实例
 func New(
 	db *gorm.DB,
-	rechargeStore *postgres.RechargeStore,
-	walletStore *postgres.WalletStore,
-	walletTransactionStore *postgres.WalletTransactionStore,
+	cardRechargeStore *postgres.CardRechargeStore,
+	cardWalletStore *postgres.CardWalletStore,
+	cardWalletTransactionStore *postgres.CardWalletTransactionStore,
 	iotCardStore *postgres.IotCardStore,
 	deviceStore *postgres.DeviceStore,
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
@@ -57,16 +57,16 @@ func New(
 	logger *zap.Logger,
 ) *Service {
 	return &Service{
-		db:                        db,
-		rechargeStore:             rechargeStore,
-		walletStore:               walletStore,
-		walletTransactionStore:    walletTransactionStore,
-		iotCardStore:              iotCardStore,
-		deviceStore:               deviceStore,
-		shopSeriesAllocationStore: shopSeriesAllocationStore,
-		packageSeriesStore:        packageSeriesStore,
-		commissionRecordStore:     commissionRecordStore,
-		logger:                    logger,
+		db:                         db,
+		cardRechargeStore:          cardRechargeStore,
+		cardWalletStore:            cardWalletStore,
+		cardWalletTransactionStore: cardWalletTransactionStore,
+		iotCardStore:               iotCardStore,
+		deviceStore:                deviceStore,
+		shopSeriesAllocationStore:  shopSeriesAllocationStore,
+		packageSeriesStore:         packageSeriesStore,
+		commissionRecordStore:      commissionRecordStore,
+		logger:                     logger,
 	}
 }
 
@@ -81,14 +81,14 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 		return nil, errors.New(errors.CodeRechargeAmountInvalid, "充值金额不能超过100000元")
 	}
 
-	// 2. 获取资源（卡或设备）
-	var wallet *model.Wallet
+	// 2. 获取资源（卡或设备）钱包
+	var wallet *model.CardWallet
 	var err error
 
 	if req.ResourceType == "iot_card" {
-		wallet, err = s.walletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID, "main")
+		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID)
 	} else if req.ResourceType == "device" {
-		wallet, err = s.walletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID, "main")
+		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID)
 	} else {
 		return nil, errors.New(errors.CodeInvalidParam, "无效的资源类型")
 	}
@@ -115,20 +115,20 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	rechargeNo := s.generateRechargeNo()
 
 	// 5. 创建充值订单
-	recharge := &model.RechargeRecord{
-		BaseModel: model.BaseModel{
-			Creator: userID,
-			Updater: userID,
-		},
-		UserID:        userID,
-		WalletID:      wallet.ID,
-		RechargeNo:    rechargeNo,
-		Amount:        req.Amount,
-		PaymentMethod: req.PaymentMethod,
-		Status:        constants.RechargeStatusPending,
+	recharge := &model.CardRechargeRecord{
+		UserID:          userID,
+		CardWalletID:    wallet.ID,
+		ResourceType:    req.ResourceType,
+		ResourceID:      req.ResourceID,
+		RechargeNo:      rechargeNo,
+		Amount:          req.Amount,
+		PaymentMethod:   req.PaymentMethod,
+		Status:          constants.RechargeStatusPending,
+		ShopIDTag:       wallet.ShopIDTag,
+		EnterpriseIDTag: wallet.EnterpriseIDTag,
 	}
 
-	if err := s.rechargeStore.Create(ctx, recharge); err != nil {
+	if err := s.cardRechargeStore.Create(ctx, recharge); err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "创建充值订单失败")
 	}
 
@@ -173,7 +173,7 @@ func (s *Service) GetRechargeCheck(ctx context.Context, resourceType string, res
 // GetByID 根据ID查询充值订单详情
 // 支持数据权限过滤
 func (s *Service) GetByID(ctx context.Context, id uint, userID uint) (*dto.RechargeResponse, error) {
-	recharge, err := s.rechargeStore.GetByID(ctx, id)
+	recharge, err := s.cardRechargeStore.GetByID(ctx, id)
 	if err != nil {
 		if err == gorm.ErrRecordNotFound {
 			return nil, errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
@@ -201,7 +201,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		pageSize = constants.DefaultPageSize
 	}
 
-	params := &postgres.ListRechargeParams{
+	params := &postgres.ListCardRechargeParams{
 		Page:     page,
 		PageSize: pageSize,
 		UserID:   &userID, // 数据权限：只能查看自己的
@@ -211,7 +211,8 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		params.Status = req.Status
 	}
 	if req.WalletID != nil {
-		params.WalletID = req.WalletID
+		walletID := *req.WalletID
+		params.CardWalletID = &walletID
 	}
 	if req.StartTime != nil {
 		params.StartTime = req.StartTime
@@ -220,7 +221,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		params.EndTime = req.EndTime
 	}
 
-	recharges, total, err := s.rechargeStore.List(ctx, params)
+	recharges, total, err := s.cardRechargeStore.List(ctx, params)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询充值订单列表失败")
 	}
@@ -248,13 +249,13 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 // 支持幂等性检查、事务处理、更新余额、触发佣金
 func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string, paymentMethod string, paymentTransactionID string) error {
 	// 1. 查询充值订单
-	recharge, err := s.rechargeStore.GetByRechargeNo(ctx, rechargeNo)
+	recharge, err := s.cardRechargeStore.GetByRechargeNo(ctx, rechargeNo)
 	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
+		}
 		return errors.Wrap(errors.CodeDatabaseError, err, "查询充值订单失败")
 	}
-	if recharge == nil {
-		return errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
-	}
 
 	// 2. 幂等性检查：已支付则直接返回成功
 	if recharge.Status == constants.RechargeStatusPaid || recharge.Status == constants.RechargeStatusCompleted {
@@ -271,21 +272,21 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 	}
 
 	// 4. 获取钱包信息
-	wallet, err := s.walletStore.GetByID(ctx, recharge.WalletID)
+	wallet, err := s.cardWalletStore.GetByID(ctx, recharge.CardWalletID)
 	if err != nil {
 		return errors.Wrap(errors.CodeDatabaseError, err, "查询钱包失败")
 	}
 
-	// 5. 获取钱包对应的资源类型和ID
-	resourceType := wallet.ResourceType
-	resourceID := wallet.ResourceID
+	// 5. 获取钱包对应的资源类型和ID（从充值记录中直接获取）
+	resourceType := recharge.ResourceType
+	resourceID := recharge.ResourceID
 
 	// 6. 事务处理：更新订单状态、增加余额、更新累计充值、触发佣金
 	now := time.Now()
 	err = s.db.Transaction(func(tx *gorm.DB) error {
 		// 6.1 更新充值订单状态（带状态检查，实现乐观锁）
 		oldStatus := constants.RechargeStatusPending
-		if err := s.rechargeStore.UpdateStatus(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
+		if err := s.cardRechargeStore.UpdateStatusWithOptimisticLock(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
 			if err == gorm.ErrRecordNotFound {
 				// 状态已变更，幂等处理
 				return nil
@@ -294,13 +295,13 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.2 更新支付信息
-		if err := s.rechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
+		if err := s.cardRechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新支付信息失败")
 		}
 
 		// 6.3 增加钱包余额（使用乐观锁）
 		balanceBefore := wallet.Balance
-		result := tx.Model(&model.Wallet{}).
+		result := tx.Model(&model.CardWallet{}).
 			Where("id = ? AND version = ?", wallet.ID, wallet.Version).
 			Updates(map[string]any{
 				"balance": gorm.Expr("balance + ?", recharge.Amount),
@@ -316,8 +317,10 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		// 6.4 创建钱包交易记录
 		remark := "钱包充值"
 		refType := "recharge"
-		transaction := &model.WalletTransaction{
-			WalletID:        wallet.ID,
+		transaction := &model.CardWalletTransaction{
+			CardWalletID:    wallet.ID,
+			ResourceType:    resourceType,
+			ResourceID:      resourceID,
 			UserID:          recharge.UserID,
 			TransactionType: "recharge",
 			Amount:          recharge.Amount,
@@ -327,7 +330,8 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 			ReferenceType:   &refType,
 			ReferenceID:     &recharge.ID,
 			Remark:          &remark,
-			Creator:         recharge.UserID,
+			ShopIDTag:       wallet.ShopIDTag,
+			EnterpriseIDTag: wallet.EnterpriseIDTag,
 		}
 		if err := tx.Create(transaction).Error; err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "创建钱包交易记录失败")
@@ -344,7 +348,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.7 更新充值订单状态为已完成
-		if err := tx.Model(&model.RechargeRecord{}).
+		if err := tx.Model(&model.CardRechargeRecord{}).
 			Where("id = ?", recharge.ID).
 			Update("status", constants.RechargeStatusCompleted).Error; err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新充值订单完成状态失败")
@@ -590,8 +594,8 @@ func (s *Service) triggerOneTimeCommissionIfNeededInTx(ctx context.Context, tx *
 		return nil
 	}
 
-	var commissionWallet model.Wallet
-	if err := tx.Where("resource_type = ? AND resource_id = ? AND wallet_type = ?", "shop", *shopID, "commission").
+	var commissionWallet model.AgentWallet
+	if err := tx.Where("shop_id = ? AND wallet_type = ?", *shopID, constants.AgentWalletTypeCommission).
 		First(&commissionWallet).Error; err != nil {
 		if err == gorm.ErrRecordNotFound {
 			s.logger.Warn("店铺佣金钱包不存在，跳过佣金发放",
@@ -629,7 +633,7 @@ func (s *Service) triggerOneTimeCommissionIfNeededInTx(ctx context.Context, tx *
 
 	// 11. 佣金入账到店铺佣金钱包
 	balanceBefore := commissionWallet.Balance
-	result := tx.Model(&model.Wallet{}).
+	result := tx.Model(&model.AgentWallet{}).
 		Where("id = ? AND version = ?", commissionWallet.ID, commissionWallet.Version).
 		Updates(map[string]any{
 			"balance": gorm.Expr("balance + ?", commissionAmount),
@@ -654,8 +658,9 @@ func (s *Service) triggerOneTimeCommissionIfNeededInTx(ctx context.Context, tx *
 	// 13. 创建佣金钱包交易记录
 	remark := "一次性佣金入账(充值触发)"
 	refType := "commission"
-	commissionTransaction := &model.WalletTransaction{
-		WalletID:        commissionWallet.ID,
+	commissionTransaction := &model.AgentWalletTransaction{
+		AgentWalletID:   commissionWallet.ID,
+		ShopID:          *shopID,
 		UserID:          userID,
 		TransactionType: "commission",
 		Amount:          commissionAmount,
@@ -665,7 +670,7 @@ func (s *Service) triggerOneTimeCommissionIfNeededInTx(ctx context.Context, tx *
 		ReferenceType:   &refType,
 		ReferenceID:     &commissionRecord.ID,
 		Remark:          &remark,
-		Creator:         userID,
+		ShopIDTag:       *shopID,
 	}
 	if err := tx.Create(commissionTransaction).Error; err != nil {
 		return errors.Wrap(errors.CodeDatabaseError, err, "创建佣金钱包交易记录失败")
@@ -724,7 +729,7 @@ func (s *Service) generateRechargeNo() string {
 }
 
 // buildRechargeResponse 构建充值订单响应
-func (s *Service) buildRechargeResponse(recharge *model.RechargeRecord) *dto.RechargeResponse {
+func (s *Service) buildRechargeResponse(recharge *model.CardRechargeRecord) *dto.RechargeResponse {
 	statusText := ""
 	switch recharge.Status {
 	case constants.RechargeStatusPending:
@@ -743,7 +748,7 @@ func (s *Service) buildRechargeResponse(recharge *model.RechargeRecord) *dto.Rec
 		ID:                   recharge.ID,
 		RechargeNo:           recharge.RechargeNo,
 		UserID:               recharge.UserID,
-		WalletID:             recharge.WalletID,
+		WalletID:             recharge.CardWalletID,
 		Amount:               recharge.Amount,
 		PaymentMethod:        recharge.PaymentMethod,
 		PaymentChannel:       recharge.PaymentChannel,