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/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）';