refactor: 适配 asset_wallet 更名，更新订单、充值和购买验证服务

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

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

internal/service/order/service.go

@@ -31,7 +31,7 @@ type Service struct {
 	orderStore                 *postgres.OrderStore
 	orderItemStore             *postgres.OrderItemStore
 	agentWalletStore           *postgres.AgentWalletStore
-	cardWalletStore            *postgres.CardWalletStore
+	assetWalletStore           *postgres.AssetWalletStore
 	purchaseValidationService  *purchase_validation.Service
 	shopPackageAllocationStore *postgres.ShopPackageAllocationStore
 	shopSeriesAllocationStore  *postgres.ShopSeriesAllocationStore
@@ -51,7 +51,7 @@ func New(
 	orderStore *postgres.OrderStore,
 	orderItemStore *postgres.OrderItemStore,
 	agentWalletStore *postgres.AgentWalletStore,
-	cardWalletStore *postgres.CardWalletStore,
+	assetWalletStore *postgres.AssetWalletStore,
 	purchaseValidationService *purchase_validation.Service,
 	shopPackageAllocationStore *postgres.ShopPackageAllocationStore,
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
@@ -70,7 +70,7 @@ func New(
 		orderStore:                 orderStore,
 		orderItemStore:             orderItemStore,
 		agentWalletStore:           agentWalletStore,
-		cardWalletStore:            cardWalletStore,
+		assetWalletStore:           assetWalletStore,
 		purchaseValidationService:  purchaseValidationService,
 		shopPackageAllocationStore: shopPackageAllocationStore,
 		shopSeriesAllocationStore:  shopSeriesAllocationStore,
@@ -326,6 +326,22 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 	var validationResult *purchase_validation.PurchaseValidationResult
 	var err error
 
+	if req.PaymentMethod == model.PaymentMethodOffline {
+		// offline 订单：绕过代理 Allocation 上架检查，仅验证套餐全局状态
+		if req.OrderType == model.OrderTypeSingleCard {
+			if req.IotCardID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "单卡购买必须指定IoT卡ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateAdminOfflineCardPurchase(ctx, *req.IotCardID, req.PackageIDs)
+		} else if req.OrderType == model.OrderTypeDevice {
+			if req.DeviceID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "设备购买必须指定设备ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateAdminOfflineDevicePurchase(ctx, *req.DeviceID, req.PackageIDs)
+		} else {
+			return nil, errors.New(errors.CodeInvalidParam, "无效的订单类型")
+		}
+	} else {
 		if req.OrderType == model.OrderTypeSingleCard {
 			if req.IotCardID == nil {
 				return nil, errors.New(errors.CodeInvalidParam, "单卡购买必须指定IoT卡ID")
@@ -339,6 +355,7 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 		} else {
 			return nil, errors.New(errors.CodeInvalidParam, "无效的订单类型")
 		}
+	}
 
 	if err != nil {
 		return nil, err
@@ -362,10 +379,13 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 	lockKey := constants.RedisOrderCreateLockKey(carrierType, carrierID)
 	defer s.redis.Del(ctx, lockKey)
 
+	// offline 订单不检查强充：平台直接操作，不涉及消费者支付门槛，不产生一次性佣金触发条件
+	if req.PaymentMethod != model.PaymentMethodOffline {
 		forceRechargeCheck := s.checkForceRechargeRequirement(ctx, validationResult)
 		if forceRechargeCheck.NeedForceRecharge && validationResult.TotalPrice < forceRechargeCheck.ForceRechargeAmount {
 			return nil, errors.New(errors.CodeForceRechargeRequired, "首次购买需满足最低充值要求")
 		}
+	}
 
 	userID := middleware.GetUserIDFromContext(ctx)
 
@@ -1271,12 +1291,12 @@ func (s *Service) unfreezeWalletForCancel(ctx context.Context, tx *gorm.DB, orde
 		} else {
 			return errors.New(errors.CodeInternalError, "无法确定钱包归属")
 		}
-		wallet, err := s.cardWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+		wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
 		if err != nil {
-			return errors.Wrap(errors.CodeWalletNotFound, err, "查询卡钱包失败")
+			return errors.Wrap(errors.CodeWalletNotFound, err, "查询资产钱包失败")
 		}
-		// 卡钱包解冻：直接减少冻结余额
+		// 资产钱包解冻：直接减少冻结余额
-		result := tx.Model(&model.CardWallet{}).
+		result := tx.Model(&model.AssetWallet{}).
 			Where("id = ? AND frozen_balance >= ?", wallet.ID, order.TotalAmount).
 			Updates(map[string]any{
 				"frozen_balance": gorm.Expr("frozen_balance - ?", order.TotalAmount),
@@ -1393,8 +1413,8 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 			return s.activatePackage(ctx, tx, order)
 		})
 	} else {
-		// 卡钱包系统（iot_card 或 device）
+		// 资产钱包系统（iot_card 或 device）
-		wallet, err := s.cardWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+		wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
 		if err != nil {
 			if err == gorm.ErrRecordNotFound {
 				return errors.New(errors.CodeWalletNotFound, "钱包不存在")
@@ -1437,7 +1457,10 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 				}
 			}
 
-			walletResult := tx.Model(&model.CardWallet{}).
+			// 扣款前记录余额快照，用于写入流水
+			balanceBefore := wallet.Balance
+
+			walletResult := tx.Model(&model.AssetWallet{}).
 				Where("id = ? AND balance >= ? AND version = ?", wallet.ID, order.TotalAmount, wallet.Version).
 				Updates(map[string]any{
 					"balance": gorm.Expr("balance - ?", order.TotalAmount),
@@ -1450,6 +1473,27 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 				return errors.New(errors.CodeInsufficientBalance, "余额不足或并发冲突")
 			}
 
+			// 扣款成功后补写扣款流水，填补流水表中扣款记录缺失的问题
+			deductTx := &model.AssetWalletTransaction{
+				AssetWalletID:   wallet.ID,
+				ResourceType:    resourceType,
+				ResourceID:      resourceID,
+				UserID:          buyerID,
+				TransactionType: "deduct",
+				Amount:          -order.TotalAmount,
+				BalanceBefore:   balanceBefore,
+				BalanceAfter:    balanceBefore - order.TotalAmount,
+				Status:          1,
+				ReferenceType:   strPtr("order"),
+				ReferenceNo:     &order.OrderNo,
+				Remark:          strPtr("钱包支付套餐"),
+				ShopIDTag:       wallet.ShopIDTag,
+				EnterpriseIDTag: wallet.EnterpriseIDTag,
+			}
+			if err := tx.Create(deductTx).Error; err != nil {
+				return errors.Wrap(errors.CodeDatabaseError, err, "创建扣款流水失败")
+			}
+
 			return s.activatePackage(ctx, tx, order)
 		})
 	}

internal/service/purchase_validation/service.go

@@ -173,3 +173,56 @@ func (s *Service) GetPurchasePrice(ctx context.Context, pkg *model.Package, buye
 	return pkg.SuggestedRetailPrice
 }
 
+// ValidateAdminOfflineCardPurchase 后台 offline 订单专用卡验证
+// 绕过代理 Allocation 上架检查，仅验证套餐全局状态
+func (s *Service) ValidateAdminOfflineCardPurchase(ctx context.Context, cardID uint, packageIDs []uint) (*PurchaseValidationResult, error) {
+	card, err := s.iotCardStore.GetByID(ctx, cardID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeIotCardNotFound, "IoT卡不存在")
+		}
+		return nil, err
+	}
+
+	if card.SeriesID == nil || *card.SeriesID == 0 {
+		return nil, errors.New(errors.CodeInvalidParam, "该卡未关联套餐系列，无法购买套餐")
+	}
+
+	packages, totalPrice, err := s.validatePackages(ctx, packageIDs, *card.SeriesID, 0)
+	if err != nil {
+		return nil, err
+	}
+
+	return &PurchaseValidationResult{
+		Card:       card,
+		Packages:   packages,
+		TotalPrice: totalPrice,
+	}, nil
+}
+
+// ValidateAdminOfflineDevicePurchase 后台 offline 订单专用设备验证
+// 绕过代理 Allocation 上架检查，仅验证套餐全局状态
+func (s *Service) ValidateAdminOfflineDevicePurchase(ctx context.Context, deviceID uint, packageIDs []uint) (*PurchaseValidationResult, error) {
+	device, err := s.deviceStore.GetByID(ctx, deviceID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeNotFound, "设备不存在")
+		}
+		return nil, err
+	}
+
+	if device.SeriesID == nil || *device.SeriesID == 0 {
+		return nil, errors.New(errors.CodeInvalidParam, "该设备未关联套餐系列，无法购买套餐")
+	}
+
+	packages, totalPrice, err := s.validatePackages(ctx, packageIDs, *device.SeriesID, 0)
+	if err != nil {
+		return nil, err
+	}
+
+	return &PurchaseValidationResult{
+		Device:     device,
+		Packages:   packages,
+		TotalPrice: totalPrice,
+	}, nil
+}

internal/service/recharge/service.go

@@ -29,12 +29,12 @@ type ForceRechargeRequirement struct {
 }
 
 // Service 充值服务
-// 负责卡钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
+// 负责资产钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
 type Service struct {
 	db                          *gorm.DB
-	cardRechargeStore          *postgres.CardRechargeStore
+	assetRechargeStore          *postgres.AssetRechargeStore
-	cardWalletStore            *postgres.CardWalletStore
+	assetWalletStore            *postgres.AssetWalletStore
-	cardWalletTransactionStore *postgres.CardWalletTransactionStore
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore
 	iotCardStore                *postgres.IotCardStore
 	deviceStore                 *postgres.DeviceStore
 	shopSeriesAllocationStore   *postgres.ShopSeriesAllocationStore
@@ -46,9 +46,9 @@ type Service struct {
 // New 创建充值服务实例
 func New(
 	db *gorm.DB,
-	cardRechargeStore *postgres.CardRechargeStore,
+	assetRechargeStore *postgres.AssetRechargeStore,
-	cardWalletStore *postgres.CardWalletStore,
+	assetWalletStore *postgres.AssetWalletStore,
-	cardWalletTransactionStore *postgres.CardWalletTransactionStore,
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore,
 	iotCardStore *postgres.IotCardStore,
 	deviceStore *postgres.DeviceStore,
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
@@ -58,9 +58,9 @@ func New(
 ) *Service {
 	return &Service{
 		db:                          db,
-		cardRechargeStore:          cardRechargeStore,
+		assetRechargeStore:          assetRechargeStore,
-		cardWalletStore:            cardWalletStore,
+		assetWalletStore:            assetWalletStore,
-		cardWalletTransactionStore: cardWalletTransactionStore,
+		assetWalletTransactionStore: assetWalletTransactionStore,
 		iotCardStore:                iotCardStore,
 		deviceStore:                 deviceStore,
 		shopSeriesAllocationStore:   shopSeriesAllocationStore,
@@ -82,13 +82,13 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	}
 
 	// 2. 获取资源（卡或设备）钱包
-	var wallet *model.CardWallet
+	var wallet *model.AssetWallet
 	var err error
 
 	if req.ResourceType == "iot_card" {
-		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID)
+		wallet, err = s.assetWalletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID)
 	} else if req.ResourceType == "device" {
-		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID)
+		wallet, err = s.assetWalletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID)
 	} else {
 		return nil, errors.New(errors.CodeInvalidParam, "无效的资源类型")
 	}
@@ -115,9 +115,9 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	rechargeNo := s.generateRechargeNo()
 
 	// 5. 创建充值订单
-	recharge := &model.CardRechargeRecord{
+	recharge := &model.AssetRechargeRecord{
 		UserID:          userID,
-		CardWalletID:    wallet.ID,
+		AssetWalletID:   wallet.ID,
 		ResourceType:    req.ResourceType,
 		ResourceID:      req.ResourceID,
 		RechargeNo:      rechargeNo,
@@ -128,7 +128,7 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 		EnterpriseIDTag: wallet.EnterpriseIDTag,
 	}
 
-	if err := s.cardRechargeStore.Create(ctx, recharge); err != nil {
+	if err := s.assetRechargeStore.Create(ctx, recharge); err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "创建充值订单失败")
 	}
 
@@ -173,7 +173,7 @@ func (s *Service) GetRechargeCheck(ctx context.Context, resourceType string, res
 // GetByID 根据ID查询充值订单详情
 // 支持数据权限过滤
 func (s *Service) GetByID(ctx context.Context, id uint, userID uint) (*dto.RechargeResponse, error) {
-	recharge, err := s.cardRechargeStore.GetByID(ctx, id)
+	recharge, err := s.assetRechargeStore.GetByID(ctx, id)
 	if err != nil {
 		if err == gorm.ErrRecordNotFound {
 			return nil, errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
@@ -201,10 +201,10 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		pageSize = constants.DefaultPageSize
 	}
 
-	params := &postgres.ListCardRechargeParams{
+	params := &postgres.ListAssetRechargeParams{
 		Page:     page,
 		PageSize: pageSize,
-		UserID:   &userID, // 数据权限：只能查看自己的
+		UserID:   &userID,
 	}
 
 	if req.Status != nil {
@@ -212,7 +212,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 	}
 	if req.WalletID != nil {
 		walletID := *req.WalletID
-		params.CardWalletID = &walletID
+		params.AssetWalletID = &walletID
 	}
 	if req.StartTime != nil {
 		params.StartTime = req.StartTime
@@ -221,7 +221,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		params.EndTime = req.EndTime
 	}
 
-	recharges, total, err := s.cardRechargeStore.List(ctx, params)
+	recharges, total, err := s.assetRechargeStore.List(ctx, params)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询充值订单列表失败")
 	}
@@ -249,7 +249,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 // 支持幂等性检查、事务处理、更新余额、触发佣金
 func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string, paymentMethod string, paymentTransactionID string) error {
 	// 1. 查询充值订单
-	recharge, err := s.cardRechargeStore.GetByRechargeNo(ctx, rechargeNo)
+	recharge, err := s.assetRechargeStore.GetByRechargeNo(ctx, rechargeNo)
 	if err != nil {
 		if err == gorm.ErrRecordNotFound {
 			return errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
@@ -272,7 +272,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 	}
 
 	// 4. 获取钱包信息
-	wallet, err := s.cardWalletStore.GetByID(ctx, recharge.CardWalletID)
+	wallet, err := s.assetWalletStore.GetByID(ctx, recharge.AssetWalletID)
 	if err != nil {
 		return errors.Wrap(errors.CodeDatabaseError, err, "查询钱包失败")
 	}
@@ -286,7 +286,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 	err = s.db.Transaction(func(tx *gorm.DB) error {
 		// 6.1 更新充值订单状态（带状态检查，实现乐观锁）
 		oldStatus := constants.RechargeStatusPending
-		if err := s.cardRechargeStore.UpdateStatusWithOptimisticLock(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
+		if err := s.assetRechargeStore.UpdateStatusWithOptimisticLock(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
 			if err == gorm.ErrRecordNotFound {
 				// 状态已变更，幂等处理
 				return nil
@@ -295,13 +295,13 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.2 更新支付信息
-		if err := s.cardRechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
+		if err := s.assetRechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新支付信息失败")
 		}
 
 		// 6.3 增加钱包余额（使用乐观锁）
 		balanceBefore := wallet.Balance
-		result := tx.Model(&model.CardWallet{}).
+		result := tx.Model(&model.AssetWallet{}).
 			Where("id = ? AND version = ?", wallet.ID, wallet.Version).
 			Updates(map[string]any{
 				"balance": gorm.Expr("balance + ?", recharge.Amount),
@@ -314,11 +314,11 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 			return errors.New(errors.CodeInternalError, "钱包版本冲突，请重试")
 		}
 
-		// 6.4 创建钱包交易记录
+		// 6.4 创建钱包交易记录（reference_no 存储充值单号，便于前端跳转）
 		remark := "钱包充值"
 		refType := "recharge"
-		transaction := &model.CardWalletTransaction{
+		transaction := &model.AssetWalletTransaction{
-			CardWalletID:    wallet.ID,
+			AssetWalletID:   wallet.ID,
 			ResourceType:    resourceType,
 			ResourceID:      resourceID,
 			UserID:          recharge.UserID,
@@ -328,7 +328,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 			BalanceAfter:    balanceBefore + recharge.Amount,
 			Status:          1,
 			ReferenceType:   &refType,
-			ReferenceID:     &recharge.ID,
+			ReferenceNo:     &recharge.RechargeNo,
 			Remark:          &remark,
 			ShopIDTag:       wallet.ShopIDTag,
 			EnterpriseIDTag: wallet.EnterpriseIDTag,
@@ -348,7 +348,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.7 更新充值订单状态为已完成
-		if err := tx.Model(&model.CardRechargeRecord{}).
+		if err := tx.Model(&model.AssetRechargeRecord{}).
 			Where("id = ?", recharge.ID).
 			Update("status", constants.RechargeStatusCompleted).Error; err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新充值订单完成状态失败")
@@ -729,7 +729,7 @@ func (s *Service) generateRechargeNo() string {
 }
 
 // buildRechargeResponse 构建充值订单响应
-func (s *Service) buildRechargeResponse(recharge *model.CardRechargeRecord) *dto.RechargeResponse {
+func (s *Service) buildRechargeResponse(recharge *model.AssetRechargeRecord) *dto.RechargeResponse {
 	statusText := ""
 	switch recharge.Status {
 	case constants.RechargeStatusPending:
@@ -748,7 +748,7 @@ func (s *Service) buildRechargeResponse(recharge *model.CardRechargeRecord) *dto
 		ID:                   recharge.ID,
 		RechargeNo:           recharge.RechargeNo,
 		UserID:               recharge.UserID,
-		WalletID:             recharge.CardWalletID,
+		WalletID:             recharge.AssetWalletID,
 		Amount:               recharge.Amount,
 		PaymentMethod:        recharge.PaymentMethod,
 		PaymentChannel:       recharge.PaymentChannel,