修复换货迁移后 after_order 实名门槛误判

换货迁移只迁移套餐权益不迁移订单，已支付订单仍挂在旧资产上，
导致新资产 HasValidRechargeOrPaidOrder 查不到支付事实，返回 1189。
现增加套餐权益兜底：当前世代存在未退款套餐权益且其关联订单已支付，
即视为满足充值/购买条件。

internal/service/asset/service.go

@@ -1387,9 +1387,34 @@ func (s *Service) HasValidRechargeOrPaidOrder(ctx context.Context, assetType str
 		}
 	}
 
+	if assetType == "card" || assetType == "device" {
+		return s.hasPaidPackageUsage(ctx, assetType, assetID, generation)
+	}
+
 	return false, nil
 }
 
+// hasPaidPackageUsage 检查资产在当前世代是否存在已支付订单购买且未退款的套餐权益
+// 换货迁移只迁移套餐权益不迁移订单，订单仍挂在旧资产上，需要按套餐权益兜底判定
+func (s *Service) hasPaidPackageUsage(ctx context.Context, assetType string, assetID uint, generation int) (bool, error) {
+	assetColumn := "tb_package_usage.iot_card_id"
+	if assetType == "device" {
+		assetColumn = "tb_package_usage.device_id"
+	}
+
+	var count int64
+	err := s.db.WithContext(ctx).Model(&model.PackageUsage{}).
+		Joins("JOIN tb_order ON tb_order.id = tb_package_usage.order_id AND tb_order.deleted_at IS NULL").
+		Where(assetColumn+" = ? AND tb_package_usage.generation = ?", assetID, generation).
+		Where("tb_package_usage.refund_id IS NULL").
+		Where("tb_order.payment_status = ?", model.PaymentStatusPaid).
+		Count(&count).Error
+	if err != nil {
+		return false, errors.Wrap(errors.CodeDatabaseError, err, "查询套餐权益订单失败")
+	}
+	return count > 0, nil
+}
+
 // packageStatusName 套餐状态码转中文名称
 func packageStatusName(status int) string {
 	switch status {