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/store/postgres/agent_recharge_store.go

@@ -0,0 +1,125 @@
+package postgres
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// AgentRechargeStore 代理充值记录数据访问层
+type AgentRechargeStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewAgentRechargeStore 创建代理充值记录 Store
+func NewAgentRechargeStore(db *gorm.DB, redis *redis.Client) *AgentRechargeStore {
+	return &AgentRechargeStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// Create 创建充值记录
+func (s *AgentRechargeStore) Create(ctx context.Context, record *model.AgentRechargeRecord) error {
+	return s.db.WithContext(ctx).Create(record).Error
+}
+
+// CreateWithTx 创建充值记录（带事务）
+func (s *AgentRechargeStore) CreateWithTx(ctx context.Context, tx *gorm.DB, record *model.AgentRechargeRecord) error {
+	return tx.WithContext(ctx).Create(record).Error
+}
+
+// GetByRechargeNo 根据充值订单号查询
+func (s *AgentRechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.AgentRechargeRecord, error) {
+	var record model.AgentRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("recharge_no = ?", rechargeNo).
+		First(&record).Error
+	if err != nil {
+		return nil, err
+	}
+	return &record, nil
+}
+
+// GetByID 根据 ID 查询
+func (s *AgentRechargeStore) GetByID(ctx context.Context, id uint) (*model.AgentRechargeRecord, error) {
+	var record model.AgentRechargeRecord
+	if err := s.db.WithContext(ctx).First(&record, id).Error; err != nil {
+		return nil, err
+	}
+	return &record, nil
+}
+
+// UpdateStatus 更新充值状态
+func (s *AgentRechargeStore) UpdateStatus(ctx context.Context, id uint, status int) error {
+	return s.db.WithContext(ctx).
+		Model(&model.AgentRechargeRecord{}).
+		Where("id = ?", id).
+		Update("status", status).Error
+}
+
+// UpdateStatusWithTx 更新充值状态（带事务）
+func (s *AgentRechargeStore) UpdateStatusWithTx(ctx context.Context, tx *gorm.DB, id uint, status int) error {
+	return tx.WithContext(ctx).
+		Model(&model.AgentRechargeRecord{}).
+		Where("id = ?", id).
+		Update("status", status).Error
+}
+
+// Update 更新充值记录
+func (s *AgentRechargeStore) Update(ctx context.Context, record *model.AgentRechargeRecord) error {
+	return s.db.WithContext(ctx).Save(record).Error
+}
+
+// UpdateWithTx 更新充值记录（带事务）
+func (s *AgentRechargeStore) UpdateWithTx(ctx context.Context, tx *gorm.DB, record *model.AgentRechargeRecord) error {
+	return tx.WithContext(ctx).Save(record).Error
+}
+
+// ListByShopID 按店铺查询充值记录（支持分页）
+func (s *AgentRechargeStore) ListByShopID(ctx context.Context, shopID uint, offset, limit int) ([]*model.AgentRechargeRecord, error) {
+	var records []*model.AgentRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("shop_id = ?", shopID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}
+
+// ListByUserID 按用户查询充值记录（支持分页）
+func (s *AgentRechargeStore) ListByUserID(ctx context.Context, userID uint, offset, limit int) ([]*model.AgentRechargeRecord, error) {
+	var records []*model.AgentRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("user_id = ?", userID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}
+
+// ListByStatus 按状态查询充值记录（支持分页）
+func (s *AgentRechargeStore) ListByStatus(ctx context.Context, status int, offset, limit int) ([]*model.AgentRechargeRecord, error) {
+	var records []*model.AgentRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("status = ?", status).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}

internal/store/postgres/agent_wallet_store.go

@@ -0,0 +1,238 @@
+package postgres
+
+import (
+	"context"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// AgentWalletStore 代理钱包数据访问层
+type AgentWalletStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewAgentWalletStore 创建代理钱包 Store
+func NewAgentWalletStore(db *gorm.DB, redis *redis.Client) *AgentWalletStore {
+	return &AgentWalletStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// GetCommissionWallet 获取店铺的分佣钱包
+func (s *AgentWalletStore) GetCommissionWallet(ctx context.Context, shopID uint) (*model.AgentWallet, error) {
+	return s.GetByShopIDAndType(ctx, shopID, constants.AgentWalletTypeCommission)
+}
+
+// GetMainWallet 获取店铺的主钱包
+func (s *AgentWalletStore) GetMainWallet(ctx context.Context, shopID uint) (*model.AgentWallet, error) {
+	return s.GetByShopIDAndType(ctx, shopID, constants.AgentWalletTypeMain)
+}
+
+// GetByShopIDAndType 根据店铺 ID 和钱包类型查询钱包
+func (s *AgentWalletStore) GetByShopIDAndType(ctx context.Context, shopID uint, walletType string) (*model.AgentWallet, error) {
+	// 尝试从缓存获取
+	cacheKey := constants.RedisAgentWalletBalanceKey(shopID, walletType)
+	// 注意：这里简化处理，实际项目中可以缓存完整的钱包信息
+
+	var wallet model.AgentWallet
+	err := s.db.WithContext(ctx).
+		Where("shop_id = ? AND wallet_type = ?", shopID, walletType).
+		First(&wallet).Error
+	if err != nil {
+		return nil, err
+	}
+
+	// 更新缓存（可选）
+	// 这里简化处理，不缓存完整对象
+	_ = cacheKey
+
+	return &wallet, nil
+}
+
+// GetByID 根据钱包 ID 查询
+func (s *AgentWalletStore) GetByID(ctx context.Context, id uint) (*model.AgentWallet, error) {
+	var wallet model.AgentWallet
+	if err := s.db.WithContext(ctx).First(&wallet, id).Error; err != nil {
+		return nil, err
+	}
+	return &wallet, nil
+}
+
+// Create 创建代理钱包
+func (s *AgentWalletStore) Create(ctx context.Context, wallet *model.AgentWallet) error {
+	return s.db.WithContext(ctx).Create(wallet).Error
+}
+
+// CreateWithTx 创建代理钱包（带事务）
+func (s *AgentWalletStore) CreateWithTx(ctx context.Context, tx *gorm.DB, wallet *model.AgentWallet) error {
+	return tx.WithContext(ctx).Create(wallet).Error
+}
+
+// DeductFrozenBalanceWithTx 从冻结余额扣款（带事务）
+// 用于提现完成后，从冻结余额中扣除金额
+func (s *AgentWalletStore) DeductFrozenBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
+	// 扣除冻结余额和总余额
+	result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		Where("id = ? AND frozen_balance >= ?", walletID, amount).
+		Updates(map[string]interface{}{
+			"balance":        gorm.Expr("balance - ?", amount),
+			"frozen_balance": gorm.Expr("frozen_balance - ?", amount),
+			"updated_at":     time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound // 冻结余额不足
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// UnfreezeBalanceWithTx 解冻余额到可用余额（带事务）
+// 用于提现取消，将冻结余额转回可用余额
+func (s *AgentWalletStore) UnfreezeBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
+	// 减少冻结余额（总余额不变）
+	result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		Where("id = ? AND frozen_balance >= ?", walletID, amount).
+		Updates(map[string]interface{}{
+			"frozen_balance": gorm.Expr("frozen_balance - ?", amount),
+			"updated_at":     time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound // 冻结余额不足
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// FreezeBalanceWithTx 冻结余额（带事务，使用乐观锁）
+// 用于提现申请，将可用余额转为冻结状态
+func (s *AgentWalletStore) FreezeBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64, version int) error {
+	// 增加冻结余额（总余额不变），使用乐观锁
+	result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		Where("id = ? AND balance - frozen_balance >= ? AND version = ?", walletID, amount, version).
+		Updates(map[string]interface{}{
+			"frozen_balance": gorm.Expr("frozen_balance + ?", amount),
+			"version":        gorm.Expr("version + 1"),
+			"updated_at":     time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound // 可用余额不足或版本冲突
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// AddBalanceWithTx 增加余额（带事务）
+// 用于充值、退款等增加余额的操作
+func (s *AgentWalletStore) AddBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
+	result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		Where("id = ?", walletID).
+		Updates(map[string]interface{}{
+			"balance":    gorm.Expr("balance + ?", amount),
+			"updated_at": time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// DeductBalanceWithTx 扣除余额（带事务，使用乐观锁）
+// 用于扣款操作，检查可用余额是否充足
+func (s *AgentWalletStore) DeductBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64, version int) error {
+	// 使用乐观锁，检查可用余额是否充足
+	result := tx.WithContext(ctx).Model(&model.AgentWallet{}).
+		Where("id = ? AND balance - frozen_balance >= ? AND version = ?", walletID, amount, version).
+		Updates(map[string]interface{}{
+			"balance":    gorm.Expr("balance - ?", amount),
+			"version":    gorm.Expr("version + 1"),
+			"updated_at": time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound // 余额不足或版本冲突
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// GetShopCommissionSummaryBatch 批量获取店铺佣金钱包汇总
+// 返回 map[shopID]*AgentWallet
+func (s *AgentWalletStore) GetShopCommissionSummaryBatch(ctx context.Context, shopIDs []uint) (map[uint]*model.AgentWallet, error) {
+	if len(shopIDs) == 0 {
+		return make(map[uint]*model.AgentWallet), nil
+	}
+
+	var wallets []model.AgentWallet
+	err := s.db.WithContext(ctx).
+		Where("shop_id IN ? AND wallet_type = ?", shopIDs, constants.AgentWalletTypeCommission).
+		Find(&wallets).Error
+	if err != nil {
+		return nil, err
+	}
+
+	// 转换为 map
+	result := make(map[uint]*model.AgentWallet, len(wallets))
+	for i := range wallets {
+		result[wallets[i].ShopID] = &wallets[i]
+	}
+
+	return result, nil
+}
+
+// clearWalletCache 清除钱包缓存
+func (s *AgentWalletStore) clearWalletCache(ctx context.Context, walletID uint) {
+	// 查询钱包信息以获取 shop_id 和 wallet_type
+	var wallet model.AgentWallet
+	if err := s.db.WithContext(ctx).Select("shop_id, wallet_type").First(&wallet, walletID).Error; err != nil {
+		return
+	}
+
+	cacheKey := constants.RedisAgentWalletBalanceKey(wallet.ShopID, wallet.WalletType)
+	_ = s.redis.Del(ctx, cacheKey).Err()
+}

internal/store/postgres/agent_wallet_transaction_store.go

@@ -0,0 +1,80 @@
+package postgres
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// AgentWalletTransactionStore 代理钱包交易记录数据访问层
+type AgentWalletTransactionStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewAgentWalletTransactionStore 创建代理钱包交易记录 Store
+func NewAgentWalletTransactionStore(db *gorm.DB, redis *redis.Client) *AgentWalletTransactionStore {
+	return &AgentWalletTransactionStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// CreateWithTx 创建代理钱包交易记录（带事务）
+func (s *AgentWalletTransactionStore) CreateWithTx(ctx context.Context, tx *gorm.DB, transaction *model.AgentWalletTransaction) error {
+	return tx.WithContext(ctx).Create(transaction).Error
+}
+
+// ListByShopID 按店铺查询交易记录（支持分页）
+func (s *AgentWalletTransactionStore) ListByShopID(ctx context.Context, shopID uint, offset, limit int) ([]*model.AgentWalletTransaction, error) {
+	var transactions []*model.AgentWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("shop_id = ?", shopID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// CountByShopID 统计店铺的交易记录数量
+func (s *AgentWalletTransactionStore) CountByShopID(ctx context.Context, shopID uint) (int64, error) {
+	var count int64
+	err := s.db.WithContext(ctx).
+		Model(&model.AgentWalletTransaction{}).
+		Where("shop_id = ?", shopID).
+		Count(&count).Error
+	return count, err
+}
+
+// ListByWalletID 按钱包查询交易记录（支持分页）
+func (s *AgentWalletTransactionStore) ListByWalletID(ctx context.Context, walletID uint, offset, limit int) ([]*model.AgentWalletTransaction, error) {
+	var transactions []*model.AgentWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("agent_wallet_id = ?", walletID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// GetByReference 根据关联业务查询交易记录
+func (s *AgentWalletTransactionStore) GetByReference(ctx context.Context, referenceType string, referenceID uint) (*model.AgentWalletTransaction, error) {
+	var transaction model.AgentWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("reference_type = ? AND reference_id = ?", referenceType, referenceID).
+		First(&transaction).Error
+	if err != nil {
+		return nil, err
+	}
+	return &transaction, nil
+}

internal/store/postgres/card_recharge_store.go

@@ -0,0 +1,240 @@
+package postgres
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// CardRechargeStore 卡充值记录数据访问层
+type CardRechargeStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewCardRechargeStore 创建卡充值记录 Store
+func NewCardRechargeStore(db *gorm.DB, redis *redis.Client) *CardRechargeStore {
+	return &CardRechargeStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// Create 创建充值记录
+func (s *CardRechargeStore) Create(ctx context.Context, record *model.CardRechargeRecord) error {
+	return s.db.WithContext(ctx).Create(record).Error
+}
+
+// CreateWithTx 创建充值记录（带事务）
+func (s *CardRechargeStore) CreateWithTx(ctx context.Context, tx *gorm.DB, record *model.CardRechargeRecord) error {
+	return tx.WithContext(ctx).Create(record).Error
+}
+
+// GetByRechargeNo 根据充值订单号查询
+func (s *CardRechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.CardRechargeRecord, error) {
+	var record model.CardRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("recharge_no = ?", rechargeNo).
+		First(&record).Error
+	if err != nil {
+		return nil, err
+	}
+	return &record, nil
+}
+
+// GetByID 根据 ID 查询
+func (s *CardRechargeStore) GetByID(ctx context.Context, id uint) (*model.CardRechargeRecord, error) {
+	var record model.CardRechargeRecord
+	if err := s.db.WithContext(ctx).First(&record, id).Error; err != nil {
+		return nil, err
+	}
+	return &record, nil
+}
+
+// UpdateStatus 更新充值状态
+func (s *CardRechargeStore) UpdateStatus(ctx context.Context, id uint, status int) error {
+	return s.db.WithContext(ctx).
+		Model(&model.CardRechargeRecord{}).
+		Where("id = ?", id).
+		Update("status", status).Error
+}
+
+// UpdateStatusWithTx 更新充值状态（带事务）
+func (s *CardRechargeStore) UpdateStatusWithTx(ctx context.Context, tx *gorm.DB, id uint, status int) error {
+	return tx.WithContext(ctx).
+		Model(&model.CardRechargeRecord{}).
+		Where("id = ?", id).
+		Update("status", status).Error
+}
+
+// Update 更新充值记录
+func (s *CardRechargeStore) Update(ctx context.Context, record *model.CardRechargeRecord) error {
+	return s.db.WithContext(ctx).Save(record).Error
+}
+
+// UpdateWithTx 更新充值记录（带事务）
+func (s *CardRechargeStore) UpdateWithTx(ctx context.Context, tx *gorm.DB, record *model.CardRechargeRecord) error {
+	return tx.WithContext(ctx).Save(record).Error
+}
+
+// ListByResourceID 按资源查询充值记录（支持分页）
+func (s *CardRechargeStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.CardRechargeRecord, error) {
+	var records []*model.CardRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}
+
+// ListByUserID 按用户查询充值记录（支持分页）
+func (s *CardRechargeStore) ListByUserID(ctx context.Context, userID uint, offset, limit int) ([]*model.CardRechargeRecord, error) {
+	var records []*model.CardRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("user_id = ?", userID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}
+
+// ListByStatus 按状态查询充值记录（支持分页）
+func (s *CardRechargeStore) ListByStatus(ctx context.Context, status int, offset, limit int) ([]*model.CardRechargeRecord, error) {
+	var records []*model.CardRechargeRecord
+	err := s.db.WithContext(ctx).
+		Where("status = ?", status).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&records).Error
+	if err != nil {
+		return nil, err
+	}
+	return records, nil
+}
+
+// ListRechargeParams 充值记录列表查询参数
+type ListCardRechargeParams struct {
+	Page         int
+	PageSize     int
+	UserID       *uint
+	CardWalletID *uint
+	ResourceType *string
+	ResourceID   *uint
+	Status       *int
+	StartTime    interface{}
+	EndTime      interface{}
+}
+
+// List 查询充值记录列表（支持分页和筛选）
+func (s *CardRechargeStore) List(ctx context.Context, params *ListCardRechargeParams) ([]*model.CardRechargeRecord, int64, error) {
+	var records []*model.CardRechargeRecord
+	var total int64
+
+	query := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{})
+
+	if params.UserID != nil {
+		query = query.Where("user_id = ?", *params.UserID)
+	}
+	if params.CardWalletID != nil {
+		query = query.Where("card_wallet_id = ?", *params.CardWalletID)
+	}
+	if params.ResourceType != nil {
+		query = query.Where("resource_type = ?", *params.ResourceType)
+	}
+	if params.ResourceID != nil {
+		query = query.Where("resource_id = ?", *params.ResourceID)
+	}
+	if params.Status != nil {
+		query = query.Where("status = ?", *params.Status)
+	}
+	if params.StartTime != nil {
+		query = query.Where("created_at >= ?", params.StartTime)
+	}
+	if params.EndTime != nil {
+		query = query.Where("created_at <= ?", params.EndTime)
+	}
+
+	if err := query.Count(&total).Error; err != nil {
+		return nil, 0, err
+	}
+
+	page := params.Page
+	if page < 1 {
+		page = 1
+	}
+	pageSize := params.PageSize
+	if pageSize < 1 {
+		pageSize = 20
+	}
+
+	offset := (page - 1) * pageSize
+	if err := query.Order("id DESC").Offset(offset).Limit(pageSize).Find(&records).Error; err != nil {
+		return nil, 0, err
+	}
+
+	return records, total, nil
+}
+
+// UpdatePaymentInfo 更新支付信息
+func (s *CardRechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paymentMethod *string, paymentTransactionID *string) error {
+	updates := map[string]interface{}{}
+	if paymentMethod != nil {
+		updates["payment_method"] = paymentMethod
+	}
+	if paymentTransactionID != nil {
+		updates["payment_transaction_id"] = paymentTransactionID
+	}
+
+	if len(updates) == 0 {
+		return nil
+	}
+
+	result := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{}).Where("id = ?", id).Updates(updates)
+	if result.Error != nil {
+		return result.Error
+	}
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+	return nil
+}
+
+// UpdateStatusWithOptimisticLock 更新充值状态（支持乐观锁）
+func (s *CardRechargeStore) UpdateStatusWithOptimisticLock(ctx context.Context, id uint, oldStatus *int, newStatus int, paidAt interface{}, completedAt interface{}) error {
+	updates := map[string]interface{}{
+		"status": newStatus,
+	}
+	if paidAt != nil {
+		updates["paid_at"] = paidAt
+	}
+	if completedAt != nil {
+		updates["completed_at"] = completedAt
+	}
+
+	query := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{}).Where("id = ?", id)
+
+	if oldStatus != nil {
+		query = query.Where("status = ?", *oldStatus)
+	}
+
+	result := query.Updates(updates)
+	if result.Error != nil {
+		return result.Error
+	}
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+	return nil
+}

internal/store/postgres/card_wallet_store.go

@@ -0,0 +1,116 @@
+package postgres
+
+import (
+	"context"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// CardWalletStore 卡钱包数据访问层
+type CardWalletStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewCardWalletStore 创建卡钱包 Store
+func NewCardWalletStore(db *gorm.DB, redis *redis.Client) *CardWalletStore {
+	return &CardWalletStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// GetByResourceTypeAndID 根据资源类型和 ID 查询钱包
+func (s *CardWalletStore) GetByResourceTypeAndID(ctx context.Context, resourceType string, resourceID uint) (*model.CardWallet, error) {
+	var wallet model.CardWallet
+	err := s.db.WithContext(ctx).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID).
+		First(&wallet).Error
+	if err != nil {
+		return nil, err
+	}
+	return &wallet, nil
+}
+
+// GetByID 根据钱包 ID 查询
+func (s *CardWalletStore) GetByID(ctx context.Context, id uint) (*model.CardWallet, error) {
+	var wallet model.CardWallet
+	if err := s.db.WithContext(ctx).First(&wallet, id).Error; err != nil {
+		return nil, err
+	}
+	return &wallet, nil
+}
+
+// Create 创建卡钱包
+func (s *CardWalletStore) Create(ctx context.Context, wallet *model.CardWallet) error {
+	return s.db.WithContext(ctx).Create(wallet).Error
+}
+
+// CreateWithTx 创建卡钱包（带事务）
+func (s *CardWalletStore) CreateWithTx(ctx context.Context, tx *gorm.DB, wallet *model.CardWallet) error {
+	return tx.WithContext(ctx).Create(wallet).Error
+}
+
+// DeductBalanceWithTx 扣款（带事务，使用乐观锁）
+func (s *CardWalletStore) DeductBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64, version int) error {
+	// 使用乐观锁，检查可用余额是否充足
+	result := tx.WithContext(ctx).Model(&model.CardWallet{}).
+		Where("id = ? AND balance - frozen_balance >= ? AND version = ?", walletID, amount, version).
+		Updates(map[string]interface{}{
+			"balance":    gorm.Expr("balance - ?", amount),
+			"version":    gorm.Expr("version + 1"),
+			"updated_at": time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound // 余额不足或版本冲突
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// AddBalanceWithTx 增加余额（带事务）
+func (s *CardWalletStore) AddBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
+	result := tx.WithContext(ctx).Model(&model.CardWallet{}).
+		Where("id = ?", walletID).
+		Updates(map[string]interface{}{
+			"balance":    gorm.Expr("balance + ?", amount),
+			"updated_at": time.Now(),
+		})
+
+	if result.Error != nil {
+		return result.Error
+	}
+
+	if result.RowsAffected == 0 {
+		return gorm.ErrRecordNotFound
+	}
+
+	// 删除缓存
+	s.clearWalletCache(ctx, walletID)
+
+	return nil
+}
+
+// clearWalletCache 清除钱包缓存
+func (s *CardWalletStore) clearWalletCache(ctx context.Context, walletID uint) {
+	// 查询钱包信息以获取 resource_type 和 resource_id
+	var wallet model.CardWallet
+	if err := s.db.WithContext(ctx).Select("resource_type, resource_id").First(&wallet, walletID).Error; err != nil {
+		return
+	}
+
+	cacheKey := constants.RedisCardWalletBalanceKey(wallet.ResourceType, wallet.ResourceID)
+	_ = s.redis.Del(ctx, cacheKey).Err()
+}

internal/store/postgres/card_wallet_transaction_store.go

@@ -0,0 +1,80 @@
+package postgres
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// CardWalletTransactionStore 卡钱包交易记录数据访问层
+type CardWalletTransactionStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewCardWalletTransactionStore 创建卡钱包交易记录 Store
+func NewCardWalletTransactionStore(db *gorm.DB, redis *redis.Client) *CardWalletTransactionStore {
+	return &CardWalletTransactionStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// CreateWithTx 创建卡钱包交易记录（带事务）
+func (s *CardWalletTransactionStore) CreateWithTx(ctx context.Context, tx *gorm.DB, transaction *model.CardWalletTransaction) error {
+	return tx.WithContext(ctx).Create(transaction).Error
+}
+
+// ListByResourceID 按资源查询交易记录（支持分页）
+func (s *CardWalletTransactionStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.CardWalletTransaction, error) {
+	var transactions []*model.CardWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// CountByResourceID 统计资源的交易记录数量
+func (s *CardWalletTransactionStore) CountByResourceID(ctx context.Context, resourceType string, resourceID uint) (int64, error) {
+	var count int64
+	err := s.db.WithContext(ctx).
+		Model(&model.CardWalletTransaction{}).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID).
+		Count(&count).Error
+	return count, err
+}
+
+// ListByWalletID 按钱包查询交易记录（支持分页）
+func (s *CardWalletTransactionStore) ListByWalletID(ctx context.Context, walletID uint, offset, limit int) ([]*model.CardWalletTransaction, error) {
+	var transactions []*model.CardWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("card_wallet_id = ?", walletID).
+		Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// GetByReference 根据关联业务查询交易记录
+func (s *CardWalletTransactionStore) GetByReference(ctx context.Context, referenceType string, referenceID uint) (*model.CardWalletTransaction, error) {
+	var transaction model.CardWalletTransaction
+	err := s.db.WithContext(ctx).
+		Where("reference_type = ? AND reference_id = ?", referenceType, referenceID).
+		First(&transaction).Error
+	if err != nil {
+		return nil, err
+	}
+	return &transaction, nil
+}

internal/store/postgres/recharge_store.go

@@ -1,166 +0,0 @@
-package postgres
-
-import (
-	"context"
-	"time"
-
-	"github.com/break/junhong_cmp_fiber/internal/model"
-	"github.com/redis/go-redis/v9"
-	"gorm.io/gorm"
-)
-
-type RechargeStore struct {
-	db    *gorm.DB
-	redis *redis.Client
-}
-
-// NewRechargeStore 创建充值订单 Store 实例
-func NewRechargeStore(db *gorm.DB, redis *redis.Client) *RechargeStore {
-	return &RechargeStore{
-		db:    db,
-		redis: redis,
-	}
-}
-
-// Create 创建充值订单
-func (s *RechargeStore) Create(ctx context.Context, recharge *model.RechargeRecord) error {
-	return s.db.WithContext(ctx).Create(recharge).Error
-}
-
-// GetByRechargeNo 根据充值订单号查询充值订单
-// 不存在时返回 nil, nil
-func (s *RechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.RechargeRecord, error) {
-	var recharge model.RechargeRecord
-	err := s.db.WithContext(ctx).Where("recharge_no = ?", rechargeNo).First(&recharge).Error
-	if err != nil {
-		if err == gorm.ErrRecordNotFound {
-			return nil, nil
-		}
-		return nil, err
-	}
-	return &recharge, nil
-}
-
-// GetByID 根据 ID 查询充值订单
-func (s *RechargeStore) GetByID(ctx context.Context, id uint) (*model.RechargeRecord, error) {
-	var recharge model.RechargeRecord
-	if err := s.db.WithContext(ctx).First(&recharge, id).Error; err != nil {
-		return nil, err
-	}
-	return &recharge, nil
-}
-
-// ListRechargeParams 充值订单列表查询参数
-type ListRechargeParams struct {
-	Page      int        // 页码（从 1 开始）
-	PageSize  int        // 每页数量
-	UserID    *uint      // 用户 ID 筛选
-	WalletID  *uint      // 钱包 ID 筛选
-	Status    *int       // 状态筛选
-	StartTime *time.Time // 开始时间
-	EndTime   *time.Time // 结束时间
-}
-
-// List 查询充值订单列表（支持分页和筛选）
-func (s *RechargeStore) List(ctx context.Context, params *ListRechargeParams) ([]*model.RechargeRecord, int64, error) {
-	var recharges []*model.RechargeRecord
-	var total int64
-
-	query := s.db.WithContext(ctx).Model(&model.RechargeRecord{})
-
-	// 应用筛选条件
-	if params.UserID != nil {
-		query = query.Where("user_id = ?", *params.UserID)
-	}
-	if params.WalletID != nil {
-		query = query.Where("wallet_id = ?", *params.WalletID)
-	}
-	if params.Status != nil {
-		query = query.Where("status = ?", *params.Status)
-	}
-	if params.StartTime != nil {
-		query = query.Where("created_at >= ?", *params.StartTime)
-	}
-	if params.EndTime != nil {
-		query = query.Where("created_at <= ?", *params.EndTime)
-	}
-
-	// 统计总数
-	if err := query.Count(&total).Error; err != nil {
-		return nil, 0, err
-	}
-
-	// 分页查询
-	page := params.Page
-	if page < 1 {
-		page = 1
-	}
-	pageSize := params.PageSize
-	if pageSize < 1 {
-		pageSize = 20
-	}
-
-	offset := (page - 1) * pageSize
-	if err := query.Order("id DESC").Offset(offset).Limit(pageSize).Find(&recharges).Error; err != nil {
-		return nil, 0, err
-	}
-
-	return recharges, total, nil
-}
-
-// UpdateStatus 更新充值订单状态（支持乐观锁检查）
-// oldStatus: 原状态（用于乐观锁检查，传 nil 则跳过检查）
-// newStatus: 新状态
-// paidAt: 支付时间（状态变为已支付时传入）
-// completedAt: 完成时间（状态变为已完成时传入）
-func (s *RechargeStore) UpdateStatus(ctx context.Context, id uint, oldStatus *int, newStatus int, paidAt *time.Time, completedAt *time.Time) error {
-	updates := map[string]interface{}{
-		"status": newStatus,
-	}
-	if paidAt != nil {
-		updates["paid_at"] = paidAt
-	}
-	if completedAt != nil {
-		updates["completed_at"] = completedAt
-	}
-
-	query := s.db.WithContext(ctx).Model(&model.RechargeRecord{}).Where("id = ?", id)
-
-	// 乐观锁检查
-	if oldStatus != nil {
-		query = query.Where("status = ?", *oldStatus)
-	}
-
-	result := query.Updates(updates)
-	if result.Error != nil {
-		return result.Error
-	}
-	if result.RowsAffected == 0 {
-		return gorm.ErrRecordNotFound
-	}
-	return nil
-}
-
-// UpdatePaymentInfo 更新支付信息
-func (s *RechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paymentChannel *string, paymentTransactionID *string) error {
-	updates := map[string]interface{}{}
-	if paymentChannel != nil {
-		updates["payment_channel"] = paymentChannel
-	}
-	if paymentTransactionID != nil {
-		updates["payment_transaction_id"] = paymentTransactionID
-	}
-
-	if len(updates) == 0 {
-		return nil
-	}
-
-	result := s.db.WithContext(ctx).Model(&model.RechargeRecord{}).Where("id = ?", id).Updates(updates)
-	if result.Error != nil {
-		return result.Error
-	}
-	if result.RowsAffected == 0 {
-		return gorm.ErrRecordNotFound
-	}
-	return nil
-}

internal/store/postgres/wallet_store.go

@@ -1,108 +0,0 @@
-package postgres
-
-import (
-	"context"
-
-	"github.com/break/junhong_cmp_fiber/internal/model"
-	"github.com/redis/go-redis/v9"
-	"gorm.io/gorm"
-)
-
-type WalletStore struct {
-	db    *gorm.DB
-	redis *redis.Client
-}
-
-func NewWalletStore(db *gorm.DB, redis *redis.Client) *WalletStore {
-	return &WalletStore{
-		db:    db,
-		redis: redis,
-	}
-}
-
-func (s *WalletStore) GetByResourceTypeAndID(ctx context.Context, resourceType string, resourceID uint, walletType string) (*model.Wallet, error) {
-	var wallet model.Wallet
-	err := s.db.WithContext(ctx).
-		Where("resource_type = ? AND resource_id = ? AND wallet_type = ?", resourceType, resourceID, walletType).
-		First(&wallet).Error
-	if err != nil {
-		return nil, err
-	}
-	return &wallet, nil
-}
-
-func (s *WalletStore) GetShopCommissionWallet(ctx context.Context, shopID uint) (*model.Wallet, error) {
-	return s.GetByResourceTypeAndID(ctx, "shop", shopID, "commission")
-}
-
-type ShopCommissionSummary struct {
-	ShopID        uint
-	Balance       int64
-	FrozenBalance int64
-}
-
-func (s *WalletStore) GetShopCommissionSummaryBatch(ctx context.Context, shopIDs []uint) (map[uint]*ShopCommissionSummary, error) {
-	if len(shopIDs) == 0 {
-		return make(map[uint]*ShopCommissionSummary), nil
-	}
-
-	var wallets []model.Wallet
-	err := s.db.WithContext(ctx).
-		Where("resource_type = ? AND resource_id IN ? AND wallet_type = ?", "shop", shopIDs, "commission").
-		Find(&wallets).Error
-	if err != nil {
-		return nil, err
-	}
-
-	result := make(map[uint]*ShopCommissionSummary)
-	for _, w := range wallets {
-		result[w.ResourceID] = &ShopCommissionSummary{
-			ShopID:        w.ResourceID,
-			Balance:       w.Balance,
-			FrozenBalance: w.FrozenBalance,
-		}
-	}
-
-	return result, nil
-}
-
-func (s *WalletStore) GetByID(ctx context.Context, id uint) (*model.Wallet, error) {
-	var wallet model.Wallet
-	if err := s.db.WithContext(ctx).First(&wallet, id).Error; err != nil {
-		return nil, err
-	}
-	return &wallet, nil
-}
-
-func (s *WalletStore) DeductFrozenBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
-	result := tx.WithContext(ctx).
-		Model(&model.Wallet{}).
-		Where("id = ? AND frozen_balance >= ?", walletID, amount).
-		Updates(map[string]interface{}{
-			"frozen_balance": gorm.Expr("frozen_balance - ?", amount),
-		})
-	if result.Error != nil {
-		return result.Error
-	}
-	if result.RowsAffected == 0 {
-		return gorm.ErrRecordNotFound
-	}
-	return nil
-}
-
-func (s *WalletStore) UnfreezeBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
-	result := tx.WithContext(ctx).
-		Model(&model.Wallet{}).
-		Where("id = ? AND frozen_balance >= ?", walletID, amount).
-		Updates(map[string]interface{}{
-			"balance":        gorm.Expr("balance + ?", amount),
-			"frozen_balance": gorm.Expr("frozen_balance - ?", amount),
-		})
-	if result.Error != nil {
-		return result.Error
-	}
-	if result.RowsAffected == 0 {
-		return gorm.ErrRecordNotFound
-	}
-	return nil
-}

internal/store/postgres/wallet_transaction_store.go

@@ -1,37 +0,0 @@
-package postgres
-
-import (
-	"context"
-
-	"github.com/break/junhong_cmp_fiber/internal/model"
-	"github.com/redis/go-redis/v9"
-	"gorm.io/gorm"
-)
-
-type WalletTransactionStore struct {
-	db    *gorm.DB
-	redis *redis.Client
-}
-
-func NewWalletTransactionStore(db *gorm.DB, redis *redis.Client) *WalletTransactionStore {
-	return &WalletTransactionStore{
-		db:    db,
-		redis: redis,
-	}
-}
-
-func (s *WalletTransactionStore) CreateWithTx(ctx context.Context, tx *gorm.DB, transaction *model.WalletTransaction) error {
-	return tx.WithContext(ctx).Create(transaction).Error
-}
-
-func (s *WalletTransactionStore) Create(ctx context.Context, transaction *model.WalletTransaction) error {
-	return s.db.WithContext(ctx).Create(transaction).Error
-}
-
-func (s *WalletTransactionStore) GetByID(ctx context.Context, id uint) (*model.WalletTransaction, error) {
-	var tx model.WalletTransaction
-	if err := s.db.WithContext(ctx).First(&tx, id).Error; err != nil {
-		return nil, err
-	}
-	return &tx, nil
-}