feat: asset Service 新增 GetEffectiveRealnamePolicy 策略判断及 HasValidRechargeOrPaidOrder 检查逻辑

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

internal/service/asset/service.go

@@ -164,6 +164,7 @@ func (s *Service) buildDeviceResolveResponse(ctx context.Context, device *model.
 		SwitchMode:        device.SwitchMode,
 		LastGatewaySyncAt: device.LastGatewaySyncAt,
 		EnablePolling:     device.EnablePolling,
+		RealnamePolicy:    device.RealnamePolicy,
 	}
 
 	// 查绑定卡
@@ -250,6 +251,7 @@ func (s *Service) buildCardResolveResponse(ctx context.Context, card *model.IotC
 		UpdatedAt:        card.UpdatedAt,
 		RealNameStatus:   card.RealNameStatus,
 		RealNameAt:       card.FirstRealnameAt,
+		RealnamePolicy:   card.RealnamePolicy,
 		NetworkStatus:    card.NetworkStatus,
 		ICCID:            card.ICCID,
 		CarrierID:        card.CarrierID,
@@ -999,6 +1001,72 @@ func paymentStatusText(status int) string {
 	}
 }
 
+// GetEffectiveRealnamePolicy 获取资产的有效实名认证策略
+// 设备卡使用设备策略，单独卡使用卡策略
+func GetEffectiveRealnamePolicy(card *model.IotCard, device *model.Device) string {
+	if device != nil {
+		return device.RealnamePolicy
+	}
+	if card != nil {
+		return card.RealnamePolicy
+	}
+	return constants.RealnamePolicyNone
+}
+
+// HasValidRechargeOrPaidOrder 检查资产在当前世代是否有有效充值或已支付订单
+// 用于 after_order 策略的生效条件判断
+func (s *Service) HasValidRechargeOrPaidOrder(ctx context.Context, assetType string, assetID uint) (bool, error) {
+	generation := s.resolveAssetGeneration(ctx, assetType, assetID)
+
+	if assetType == "card" {
+		var rechargeCount int64
+		err := s.db.WithContext(ctx).Model(&model.RechargeOrder{}).
+			Where("iot_card_id = ? AND generation = ? AND status = ?", assetID, generation, model.RechargeOrderStatusPaid).
+			Count(&rechargeCount).Error
+		if err != nil {
+			return false, errors.Wrap(errors.CodeDatabaseError, err, "查询卡充值订单失败")
+		}
+		if rechargeCount > 0 {
+			return true, nil
+		}
+
+		var orderCount int64
+		err = s.db.WithContext(ctx).Model(&model.Order{}).
+			Where("iot_card_id = ? AND generation = ? AND payment_status = ?", assetID, generation, model.PaymentStatusPaid).
+			Count(&orderCount).Error
+		if err != nil {
+			return false, errors.Wrap(errors.CodeDatabaseError, err, "查询卡订单失败")
+		}
+		if orderCount > 0 {
+			return true, nil
+		}
+	} else if assetType == "device" {
+		var rechargeCount int64
+		err := s.db.WithContext(ctx).Model(&model.RechargeOrder{}).
+			Where("device_id = ? AND generation = ? AND status = ?", assetID, generation, model.RechargeOrderStatusPaid).
+			Count(&rechargeCount).Error
+		if err != nil {
+			return false, errors.Wrap(errors.CodeDatabaseError, err, "查询设备充值订单失败")
+		}
+		if rechargeCount > 0 {
+			return true, nil
+		}
+
+		var orderCount int64
+		err = s.db.WithContext(ctx).Model(&model.Order{}).
+			Where("device_id = ? AND generation = ? AND payment_status = ?", assetID, generation, model.PaymentStatusPaid).
+			Count(&orderCount).Error
+		if err != nil {
+			return false, errors.Wrap(errors.CodeDatabaseError, err, "查询设备订单失败")
+		}
+		if orderCount > 0 {
+			return true, nil
+		}
+	}
+
+	return false, nil
+}
+
 // packageStatusName 套餐状态码转中文名称
 func packageStatusName(status int) string {
 	switch status {