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>

migrations/000059_create_tb_agent_wallet.down.sql

@@ -0,0 +1,2 @@
+-- 删除代理钱包主表
+DROP TABLE IF EXISTS tb_agent_wallet;

migrations/000059_create_tb_agent_wallet.up.sql

@@ -0,0 +1,48 @@
+-- 创建代理钱包主表
+-- 用于管理店铺级别的主钱包和分佣钱包
+
+CREATE TABLE IF NOT EXISTS tb_agent_wallet (
+    id BIGSERIAL PRIMARY KEY,
+    shop_id BIGINT NOT NULL,
+    wallet_type VARCHAR(20) NOT NULL,
+    balance BIGINT NOT NULL DEFAULT 0,
+    frozen_balance BIGINT NOT NULL DEFAULT 0,
+    currency VARCHAR(10) NOT NULL DEFAULT 'CNY',
+    status INT NOT NULL DEFAULT 1,
+    version INT NOT NULL DEFAULT 0,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_agent_wallet_balance CHECK (balance >= 0),
+    CONSTRAINT chk_agent_wallet_frozen_balance CHECK (frozen_balance >= 0 AND frozen_balance <= balance),
+    CONSTRAINT chk_agent_wallet_status CHECK (status IN (1, 2, 3)),
+    CONSTRAINT chk_agent_wallet_type CHECK (wallet_type IN ('main', 'commission'))
+);
+
+-- 唯一索引：shop_id + wallet_type 在未删除时唯一
+CREATE UNIQUE INDEX idx_agent_wallet_shop_type ON tb_agent_wallet (shop_id, wallet_type) WHERE deleted_at IS NULL;
+
+-- 状态索引
+CREATE INDEX idx_agent_wallet_status ON tb_agent_wallet (status);
+
+-- 多租户过滤索引
+CREATE INDEX idx_agent_wallet_shop_tag ON tb_agent_wallet (shop_id_tag);
+
+-- 企业标签索引（用于多租户过滤）
+CREATE INDEX idx_agent_wallet_enterprise_tag ON tb_agent_wallet (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_agent_wallet IS '代理钱包主表';
+COMMENT ON COLUMN tb_agent_wallet.shop_id IS '店铺 ID';
+COMMENT ON COLUMN tb_agent_wallet.wallet_type IS '钱包类型：main-主钱包 | commission-分佣钱包';
+COMMENT ON COLUMN tb_agent_wallet.balance IS '余额（单位：分）';
+COMMENT ON COLUMN tb_agent_wallet.frozen_balance IS '冻结余额（单位：分）';
+COMMENT ON COLUMN tb_agent_wallet.currency IS '币种';
+COMMENT ON COLUMN tb_agent_wallet.status IS '钱包状态：1-正常 2-冻结 3-关闭';
+COMMENT ON COLUMN tb_agent_wallet.version IS '版本号（乐观锁）';
+COMMENT ON COLUMN tb_agent_wallet.shop_id_tag IS '店铺 ID 标签（多租户过滤）';
+COMMENT ON COLUMN tb_agent_wallet.enterprise_id_tag IS '企业 ID 标签（多租户过滤）';

migrations/000060_create_tb_agent_wallet_transaction.down.sql

@@ -0,0 +1,2 @@
+-- 删除代理钱包交易记录表
+DROP TABLE IF EXISTS tb_agent_wallet_transaction;

migrations/000060_create_tb_agent_wallet_transaction.up.sql

@@ -0,0 +1,60 @@
+-- 创建代理钱包交易记录表
+-- 记录所有代理钱包余额变动
+
+CREATE TABLE IF NOT EXISTS tb_agent_wallet_transaction (
+    id BIGSERIAL PRIMARY KEY,
+    agent_wallet_id BIGINT NOT NULL,
+    shop_id BIGINT NOT NULL,
+    user_id BIGINT NOT NULL,
+    transaction_type VARCHAR(20) NOT NULL,
+    amount BIGINT NOT NULL,
+    balance_before BIGINT NOT NULL,
+    balance_after BIGINT NOT NULL,
+    status INT NOT NULL DEFAULT 1,
+    reference_type VARCHAR(50),
+    reference_id BIGINT,
+    remark TEXT,
+    metadata JSONB,
+    creator BIGINT NOT NULL,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_agent_tx_status CHECK (status IN (1, 2, 3)),
+    CONSTRAINT chk_agent_tx_type CHECK (transaction_type IN ('recharge', 'deduct', 'refund', 'commission', 'withdrawal'))
+);
+
+-- 按钱包查询交易历史索引
+CREATE INDEX idx_agent_tx_wallet ON tb_agent_wallet_transaction (agent_wallet_id, created_at DESC);
+
+-- 按店铺汇总交易索引
+CREATE INDEX idx_agent_tx_shop ON tb_agent_wallet_transaction (shop_id, created_at DESC);
+
+-- 按关联业务查询索引
+CREATE INDEX idx_agent_tx_ref ON tb_agent_wallet_transaction (reference_type, reference_id) WHERE reference_type IS NOT NULL;
+
+-- 按交易类型统计索引
+CREATE INDEX idx_agent_tx_type ON tb_agent_wallet_transaction (transaction_type, created_at DESC);
+
+-- 多租户过滤索引
+CREATE INDEX idx_agent_tx_shop_tag ON tb_agent_wallet_transaction (shop_id_tag);
+
+-- 企业标签索引
+CREATE INDEX idx_agent_tx_enterprise_tag ON tb_agent_wallet_transaction (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_agent_wallet_transaction IS '代理钱包交易记录表';
+COMMENT ON COLUMN tb_agent_wallet_transaction.agent_wallet_id IS '代理钱包 ID';
+COMMENT ON COLUMN tb_agent_wallet_transaction.shop_id IS '店铺 ID（冗余字段，便于查询）';
+COMMENT ON COLUMN tb_agent_wallet_transaction.user_id IS '操作人用户 ID';
+COMMENT ON COLUMN tb_agent_wallet_transaction.transaction_type IS '交易类型：recharge-充值 | deduct-扣款 | refund-退款 | commission-分佣 | withdrawal-提现';
+COMMENT ON COLUMN tb_agent_wallet_transaction.amount IS '变动金额（单位：分，正数为增加，负数为减少）';
+COMMENT ON COLUMN tb_agent_wallet_transaction.balance_before IS '变动前余额（单位：分）';
+COMMENT ON COLUMN tb_agent_wallet_transaction.balance_after IS '变动后余额（单位：分）';
+COMMENT ON COLUMN tb_agent_wallet_transaction.status IS '交易状态：1-成功 2-失败 3-处理中';
+COMMENT ON COLUMN tb_agent_wallet_transaction.reference_type IS '关联业务类型（如 order | commission | withdrawal | topup）';
+COMMENT ON COLUMN tb_agent_wallet_transaction.reference_id IS '关联业务 ID';
+COMMENT ON COLUMN tb_agent_wallet_transaction.metadata IS '扩展信息（如手续费、支付方式等）';

migrations/000061_create_tb_agent_recharge_record.down.sql

@@ -0,0 +1,2 @@
+-- 删除代理充值记录表
+DROP TABLE IF EXISTS tb_agent_recharge_record;

migrations/000061_create_tb_agent_recharge_record.up.sql

@@ -0,0 +1,59 @@
+-- 创建代理充值记录表
+-- 记录所有代理充值操作
+
+CREATE TABLE IF NOT EXISTS tb_agent_recharge_record (
+    id BIGSERIAL PRIMARY KEY,
+    user_id BIGINT NOT NULL,
+    agent_wallet_id BIGINT NOT NULL,
+    shop_id BIGINT NOT NULL,
+    recharge_no VARCHAR(50) NOT NULL UNIQUE,
+    amount BIGINT NOT NULL,
+    payment_method VARCHAR(20) NOT NULL,
+    payment_channel VARCHAR(50),
+    payment_transaction_id VARCHAR(100),
+    status INT NOT NULL DEFAULT 1,
+    paid_at TIMESTAMP,
+    completed_at TIMESTAMP,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_agent_recharge_amount CHECK (amount >= 10000),
+    CONSTRAINT chk_agent_recharge_status CHECK (status IN (1, 2, 3, 4, 5)),
+    CONSTRAINT chk_agent_recharge_method CHECK (payment_method IN ('alipay', 'wechat', 'bank', 'offline'))
+);
+
+-- 按用户查询充值记录索引
+CREATE INDEX idx_agent_recharge_user ON tb_agent_recharge_record (user_id, created_at DESC);
+
+-- 按店铺查询充值记录索引
+CREATE INDEX idx_agent_recharge_shop ON tb_agent_recharge_record (shop_id, created_at DESC);
+
+-- 按状态过滤充值记录索引
+CREATE INDEX idx_agent_recharge_status ON tb_agent_recharge_record (status, created_at DESC);
+
+-- 按订单号查询索引
+CREATE UNIQUE INDEX idx_agent_recharge_no ON tb_agent_recharge_record (recharge_no);
+
+-- 多租户过滤索引
+CREATE INDEX idx_agent_recharge_shop_tag ON tb_agent_recharge_record (shop_id_tag);
+
+-- 企业标签索引
+CREATE INDEX idx_agent_recharge_enterprise_tag ON tb_agent_recharge_record (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_agent_recharge_record IS '代理充值记录表';
+COMMENT ON COLUMN tb_agent_recharge_record.user_id IS '操作人用户 ID';
+COMMENT ON COLUMN tb_agent_recharge_record.agent_wallet_id IS '代理钱包 ID';
+COMMENT ON COLUMN tb_agent_recharge_record.shop_id IS '店铺 ID（冗余字段，便于查询）';
+COMMENT ON COLUMN tb_agent_recharge_record.recharge_no IS '充值订单号（格式：ARCH+时间戳+随机数）';
+COMMENT ON COLUMN tb_agent_recharge_record.amount IS '充值金额（单位：分，最小 10000 分 = 100 元）';
+COMMENT ON COLUMN tb_agent_recharge_record.payment_method IS '支付方式：alipay-支付宝 | wechat-微信 | bank-银行转账 | offline-线下';
+COMMENT ON COLUMN tb_agent_recharge_record.payment_channel IS '支付渠道';
+COMMENT ON COLUMN tb_agent_recharge_record.payment_transaction_id IS '第三方支付交易号';
+COMMENT ON COLUMN tb_agent_recharge_record.status IS '充值状态：1-待支付 2-已支付 3-已完成 4-已关闭 5-已退款';
+COMMENT ON COLUMN tb_agent_recharge_record.paid_at IS '支付时间';
+COMMENT ON COLUMN tb_agent_recharge_record.completed_at IS '完成时间';

migrations/000062_create_tb_card_wallet.down.sql

@@ -0,0 +1,2 @@
+-- 删除卡钱包主表
+DROP TABLE IF EXISTS tb_card_wallet;

migrations/000062_create_tb_card_wallet.up.sql

@@ -0,0 +1,48 @@
+-- 创建卡钱包主表
+-- 用于管理物联网卡和设备级别的钱包
+
+CREATE TABLE IF NOT EXISTS tb_card_wallet (
+    id BIGSERIAL PRIMARY KEY,
+    resource_type VARCHAR(20) NOT NULL,
+    resource_id BIGINT NOT NULL,
+    balance BIGINT NOT NULL DEFAULT 0,
+    frozen_balance BIGINT NOT NULL DEFAULT 0,
+    currency VARCHAR(10) NOT NULL DEFAULT 'CNY',
+    status INT NOT NULL DEFAULT 1,
+    version INT NOT NULL DEFAULT 0,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_card_wallet_balance CHECK (balance >= 0),
+    CONSTRAINT chk_card_wallet_frozen_balance CHECK (frozen_balance >= 0 AND frozen_balance <= balance),
+    CONSTRAINT chk_card_wallet_status CHECK (status IN (1, 2, 3)),
+    CONSTRAINT chk_card_wallet_type CHECK (resource_type IN ('iot_card', 'device'))
+);
+
+-- 唯一索引：resource_type + resource_id 在未删除时唯一
+CREATE UNIQUE INDEX idx_card_wallet_resource ON tb_card_wallet (resource_type, resource_id) WHERE deleted_at IS NULL;
+
+-- 状态索引
+CREATE INDEX idx_card_wallet_status ON tb_card_wallet (status);
+
+-- 多租户过滤索引
+CREATE INDEX idx_card_wallet_shop_tag ON tb_card_wallet (shop_id_tag);
+
+-- 企业标签索引
+CREATE INDEX idx_card_wallet_enterprise_tag ON tb_card_wallet (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_card_wallet IS '卡钱包主表';
+COMMENT ON COLUMN tb_card_wallet.resource_type IS '资源类型：iot_card-物联网卡 | device-设备';
+COMMENT ON COLUMN tb_card_wallet.resource_id IS '资源 ID（关联 tb_iot_card.id 或 tb_device.id）';
+COMMENT ON COLUMN tb_card_wallet.balance IS '余额（单位：分）';
+COMMENT ON COLUMN tb_card_wallet.frozen_balance IS '冻结余额（单位：分）';
+COMMENT ON COLUMN tb_card_wallet.currency IS '币种';
+COMMENT ON COLUMN tb_card_wallet.status IS '钱包状态：1-正常 2-冻结 3-关闭';
+COMMENT ON COLUMN tb_card_wallet.version IS '版本号（乐观锁）';
+COMMENT ON COLUMN tb_card_wallet.shop_id_tag IS '店铺 ID 标签（多租户过滤）';
+COMMENT ON COLUMN tb_card_wallet.enterprise_id_tag IS '企业 ID 标签（多租户过滤）';

migrations/000063_create_tb_card_wallet_transaction.down.sql

@@ -0,0 +1,2 @@
+-- 删除卡钱包交易记录表
+DROP TABLE IF EXISTS tb_card_wallet_transaction;

migrations/000063_create_tb_card_wallet_transaction.up.sql

@@ -0,0 +1,62 @@
+-- 创建卡钱包交易记录表
+-- 记录所有卡钱包余额变动
+
+CREATE TABLE IF NOT EXISTS tb_card_wallet_transaction (
+    id BIGSERIAL PRIMARY KEY,
+    card_wallet_id BIGINT NOT NULL,
+    resource_type VARCHAR(20) NOT NULL,
+    resource_id BIGINT NOT NULL,
+    user_id BIGINT NOT NULL,
+    transaction_type VARCHAR(20) NOT NULL,
+    amount BIGINT NOT NULL,
+    balance_before BIGINT NOT NULL,
+    balance_after BIGINT NOT NULL,
+    status INT NOT NULL DEFAULT 1,
+    reference_type VARCHAR(50),
+    reference_id BIGINT,
+    remark TEXT,
+    metadata JSONB,
+    creator BIGINT NOT NULL,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_card_tx_status CHECK (status IN (1, 2, 3)),
+    CONSTRAINT chk_card_tx_type CHECK (transaction_type IN ('recharge', 'deduct', 'refund'))
+);
+
+-- 按钱包查询交易历史索引
+CREATE INDEX idx_card_tx_wallet ON tb_card_wallet_transaction (card_wallet_id, created_at DESC);
+
+-- 按资源查询交易索引
+CREATE INDEX idx_card_tx_resource ON tb_card_wallet_transaction (resource_type, resource_id, created_at DESC);
+
+-- 按关联业务查询索引
+CREATE INDEX idx_card_tx_ref ON tb_card_wallet_transaction (reference_type, reference_id) WHERE reference_type IS NOT NULL;
+
+-- 按交易类型统计索引
+CREATE INDEX idx_card_tx_type ON tb_card_wallet_transaction (transaction_type, created_at DESC);
+
+-- 多租户过滤索引
+CREATE INDEX idx_card_tx_shop_tag ON tb_card_wallet_transaction (shop_id_tag);
+
+-- 企业标签索引
+CREATE INDEX idx_card_tx_enterprise_tag ON tb_card_wallet_transaction (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_card_wallet_transaction IS '卡钱包交易记录表';
+COMMENT ON COLUMN tb_card_wallet_transaction.card_wallet_id IS '卡钱包 ID';
+COMMENT ON COLUMN tb_card_wallet_transaction.resource_type IS '资源类型（冗余字段，便于查询）';
+COMMENT ON COLUMN tb_card_wallet_transaction.resource_id IS '资源 ID（冗余字段，便于查询）';
+COMMENT ON COLUMN tb_card_wallet_transaction.user_id IS '操作人用户 ID';
+COMMENT ON COLUMN tb_card_wallet_transaction.transaction_type IS '交易类型：recharge-充值 | deduct-扣款 | refund-退款';
+COMMENT ON COLUMN tb_card_wallet_transaction.amount IS '变动金额（单位：分，正数为增加，负数为减少）';
+COMMENT ON COLUMN tb_card_wallet_transaction.balance_before IS '变动前余额（单位：分）';
+COMMENT ON COLUMN tb_card_wallet_transaction.balance_after IS '变动后余额（单位：分）';
+COMMENT ON COLUMN tb_card_wallet_transaction.status IS '交易状态：1-成功 2-失败 3-处理中';
+COMMENT ON COLUMN tb_card_wallet_transaction.reference_type IS '关联业务类型（如 order | topup）';
+COMMENT ON COLUMN tb_card_wallet_transaction.reference_id IS '关联业务 ID';
+COMMENT ON COLUMN tb_card_wallet_transaction.metadata IS '扩展信息（如套餐信息、支付方式等）';

migrations/000064_create_tb_card_recharge_record.down.sql

@@ -0,0 +1,2 @@
+-- 删除卡充值记录表
+DROP TABLE IF EXISTS tb_card_recharge_record;

migrations/000064_create_tb_card_recharge_record.up.sql

@@ -0,0 +1,61 @@
+-- 创建卡充值记录表
+-- 记录所有卡充值操作
+
+CREATE TABLE IF NOT EXISTS tb_card_recharge_record (
+    id BIGSERIAL PRIMARY KEY,
+    user_id BIGINT NOT NULL,
+    card_wallet_id BIGINT NOT NULL,
+    resource_type VARCHAR(20) NOT NULL,
+    resource_id BIGINT NOT NULL,
+    recharge_no VARCHAR(50) NOT NULL UNIQUE,
+    amount BIGINT NOT NULL,
+    payment_method VARCHAR(20) NOT NULL,
+    payment_channel VARCHAR(50),
+    payment_transaction_id VARCHAR(100),
+    status INT NOT NULL DEFAULT 1,
+    paid_at TIMESTAMP,
+    completed_at TIMESTAMP,
+    shop_id_tag BIGINT NOT NULL,
+    enterprise_id_tag BIGINT,
+    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    deleted_at TIMESTAMP,
+
+    -- 约束
+    CONSTRAINT chk_card_recharge_amount CHECK (amount >= 100),
+    CONSTRAINT chk_card_recharge_status CHECK (status IN (1, 2, 3, 4, 5)),
+    CONSTRAINT chk_card_recharge_method CHECK (payment_method IN ('alipay', 'wechat'))
+);
+
+-- 按用户查询充值记录索引
+CREATE INDEX idx_card_recharge_user ON tb_card_recharge_record (user_id, created_at DESC);
+
+-- 按资源查询充值记录索引
+CREATE INDEX idx_card_recharge_resource ON tb_card_recharge_record (resource_type, resource_id, created_at DESC);
+
+-- 按状态过滤充值记录索引
+CREATE INDEX idx_card_recharge_status ON tb_card_recharge_record (status, created_at DESC);
+
+-- 按订单号查询索引
+CREATE UNIQUE INDEX idx_card_recharge_no ON tb_card_recharge_record (recharge_no);
+
+-- 多租户过滤索引
+CREATE INDEX idx_card_recharge_shop_tag ON tb_card_recharge_record (shop_id_tag);
+
+-- 企业标签索引
+CREATE INDEX idx_card_recharge_enterprise_tag ON tb_card_recharge_record (enterprise_id_tag) WHERE enterprise_id_tag IS NOT NULL;
+
+-- 添加注释
+COMMENT ON TABLE tb_card_recharge_record IS '卡充值记录表';
+COMMENT ON COLUMN tb_card_recharge_record.user_id IS '操作人用户 ID';
+COMMENT ON COLUMN tb_card_recharge_record.card_wallet_id IS '卡钱包 ID';
+COMMENT ON COLUMN tb_card_recharge_record.resource_type IS '资源类型（冗余字段）';
+COMMENT ON COLUMN tb_card_recharge_record.resource_id IS '资源 ID（冗余字段）';
+COMMENT ON COLUMN tb_card_recharge_record.recharge_no IS '充值订单号（格式：CRCH+时间戳+随机数）';
+COMMENT ON COLUMN tb_card_recharge_record.amount IS '充值金额（单位：分，最小 100 分 = 1 元）';
+COMMENT ON COLUMN tb_card_recharge_record.payment_method IS '支付方式：alipay-支付宝 | wechat-微信';
+COMMENT ON COLUMN tb_card_recharge_record.payment_channel IS '支付渠道';
+COMMENT ON COLUMN tb_card_recharge_record.payment_transaction_id IS '第三方支付交易号';
+COMMENT ON COLUMN tb_card_recharge_record.status IS '充值状态：1-待支付 2-已支付 3-已完成 4-已关闭 5-已退款';
+COMMENT ON COLUMN tb_card_recharge_record.paid_at IS '支付时间';
+COMMENT ON COLUMN tb_card_recharge_record.completed_at IS '完成时间';

migrations/000065_drop_old_wallet_tables.down.sql

@@ -0,0 +1,6 @@
+-- 回滚：恢复旧的钱包表结构
+-- 注意：此回滚脚本仅用于迁移失败的情况，实际使用中应避免回滚
+-- 旧系统已废弃，不建议回滚到旧表结构
+
+-- 此处故意留空，因为钱包系统已完全重构
+-- 如需回滚，请手动参考旧版本的迁移文件重建表结构

migrations/000065_drop_old_wallet_tables.up.sql

@@ -0,0 +1,6 @@
+-- 删除旧的钱包相关表
+-- 新的钱包系统已完全迁移至 tb_agent_wallet、tb_card_wallet 等 6 张新表
+
+DROP TABLE IF EXISTS tb_recharge_record;
+DROP TABLE IF EXISTS tb_wallet_transaction;
+DROP TABLE IF EXISTS tb_wallet;