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/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）';