归档一次性佣金配置落库与累计触发修复，同步规范文档到主 specs

- 归档 fix-one-time-commission-config-and-accumulation 到 archive/2026-01-29-*
- 同步 delta specs 到主规范（one-time-commission-trigger、commission-calculation）
- 新增累计触发逻辑文档和测试用例
- 修复一次性佣金配置落库和累计充值更新逻辑

tests/unit/my_commission_service_test.go

@@ -360,11 +360,11 @@ func TestMyCommissionService_ListMyCommissionRecords(t *testing.T) {
 
 		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
 
-		commissionType := "one_time"
+		commissionSource := "one_time"
 		req := &dto.MyCommissionRecordListReq{
-			Page:           1,
-			PageSize:       20,
-			CommissionType: &commissionType,
+			Page:             1,
+			PageSize:         20,
+			CommissionSource: &commissionSource,
 		}
 
 		result, err := service.ListMyCommissionRecords(ctx, req)