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/task/polling_handler.go

@@ -28,16 +28,16 @@ type PollingTaskPayload struct {
 
 // PollingHandler 轮询任务处理器
 type PollingHandler struct {
-	db                     *gorm.DB
-	redis                  *redis.Client
-	gatewayClient          *gateway.Client
-	iotCardStore           *postgres.IotCardStore
-	concurrencyStore       *postgres.PollingConcurrencyConfigStore
-	deviceSimBindingStore  *postgres.DeviceSimBindingStore
-	dataUsageRecordStore   *postgres.DataUsageRecordStore
-	packageUsageStore      *postgres.PackageUsageStore
-	usageService           *packagepkg.UsageService
-	logger                 *zap.Logger
+	db                    *gorm.DB
+	redis                 *redis.Client
+	gatewayClient         *gateway.Client
+	iotCardStore          *postgres.IotCardStore
+	concurrencyStore      *postgres.PollingConcurrencyConfigStore
+	deviceSimBindingStore *postgres.DeviceSimBindingStore
+	dataUsageRecordStore  *postgres.DataUsageRecordStore
+	packageUsageStore     *postgres.PackageUsageStore
+	usageService          *packagepkg.UsageService
+	logger                *zap.Logger
 }
 
 // NewPollingHandler 创建轮询任务处理器
@@ -925,14 +925,14 @@ func (h *PollingHandler) getCardWithCache(ctx context.Context, cardID uint) (*mo
 	go func() {
 		cacheCtx := context.Background()
 		cacheData := map[string]any{
-			"id":                    card.ID,
-			"iccid":                 card.ICCID,
-			"card_category":         card.CardCategory,
-			"real_name_status":      card.RealNameStatus,
-			"network_status":        card.NetworkStatus,
-			"carrier_id":            card.CarrierID,
+			"id":                     card.ID,
+			"iccid":                  card.ICCID,
+			"card_category":          card.CardCategory,
+			"real_name_status":       card.RealNameStatus,
+			"network_status":         card.NetworkStatus,
+			"carrier_id":             card.CarrierID,
 			"current_month_usage_mb": card.CurrentMonthUsageMB,
-			"cached_at":             time.Now().Unix(),
+			"cached_at":              time.Now().Unix(),
 		}
 		if card.SeriesID != nil {
 			cacheData["series_id"] = *card.SeriesID