refactor: 改造订单和资产充值 Service，支持动态支付配置

- order/service.go: 注入 wechatConfigService，CreateH5Order/CreateAdminOrder 下单时查询 active 配置并记录 payment_config_id；无配置时拒绝第三方支付；WechatPayJSAPI/WechatPayH5/FuiouPayJSAPI/FuiouPayMiniApp 添加 TODO 留桩
- recharge/service.go: Create 方法记录 payment_config_id，HandlePaymentCallback 留桩

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

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

internal/service/recharge/service.go

@@ -28,6 +28,11 @@ type ForceRechargeRequirement struct {
 	FirstCommissionPaid bool   `json:"first_commission_paid"` // 一次性佣金是否已发放
 }
 
+// WechatConfigServiceInterface 支付配置服务接口
+type WechatConfigServiceInterface interface {
+	GetActiveConfig(ctx context.Context) (*model.WechatConfig, error)
+}
+
 // Service 充值服务
 // 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 {
@@ -40,6 +45,7 @@ type Service struct {
 	shopSeriesAllocationStore   *postgres.ShopSeriesAllocationStore
 	packageSeriesStore          *postgres.PackageSeriesStore
 	commissionRecordStore       *postgres.CommissionRecordStore
+	wechatConfigService         WechatConfigServiceInterface
 	logger                      *zap.Logger
 }
 
@@ -54,6 +60,7 @@ func New(
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
 	packageSeriesStore *postgres.PackageSeriesStore,
 	commissionRecordStore *postgres.CommissionRecordStore,
+	wechatConfigService WechatConfigServiceInterface,
 	logger *zap.Logger,
 ) *Service {
 	return &Service{
@@ -66,6 +73,7 @@ func New(
 		shopSeriesAllocationStore:   shopSeriesAllocationStore,
 		packageSeriesStore:          packageSeriesStore,
 		commissionRecordStore:       commissionRecordStore,
+		wechatConfigService:         wechatConfigService,
 		logger:                      logger,
 	}
 }
@@ -114,7 +122,19 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	// 4. 生成充值订单号
 	rechargeNo := s.generateRechargeNo()
 
-	// 5. 创建充值订单
+	// 5. 查询当前生效的支付配置
+	var paymentConfigID *uint
+	if req.PaymentMethod == "wechat" || req.PaymentMethod == "alipay" {
+		activeConfig, err := s.wechatConfigService.GetActiveConfig(ctx)
+		if err != nil {
+			s.logger.Warn("查询生效支付配置失败", zap.Error(err))
+		}
+		if activeConfig != nil {
+			paymentConfigID = &activeConfig.ID
+		}
+	}
+
+	// 6. 创建充值订单
 	recharge := &model.AssetRechargeRecord{
 		UserID:          userID,
 		AssetWalletID:   wallet.ID,
@@ -123,6 +143,7 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 		RechargeNo:      rechargeNo,
 		Amount:          req.Amount,
 		PaymentMethod:   req.PaymentMethod,
+		PaymentConfigID: paymentConfigID,
 		Status:          constants.RechargeStatusPending,
 		ShopIDTag:       wallet.ShopIDTag,
 		EnterpriseIDTag: wallet.EnterpriseIDTag,
@@ -247,6 +268,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 
 // HandlePaymentCallback 支付回调处理
 // 支持幂等性检查、事务处理、更新余额、触发佣金
+// TODO: 按 payment_config_id 加载配置验签（当前留桩，验签由外层处理）
 func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string, paymentMethod string, paymentTransactionID string) error {
 	// 1. 查询充值订单
 	recharge, err := s.assetRechargeStore.GetByRechargeNo(ctx, rechargeNo)