feat(收口): 补齐 8 月迭代缺口并同步 Spec 与证据链

- 新增六对成对迁移 000232–000237：H5 弹窗类型、退款结算标识与申请人备注、优先轮询事实字段与两个新终态、通道阈值命中留痕、手机号最近解绑人、提现资格校验留痕
- 退款：原因必填与申请人备注、来源支付与渠道流水冻结、线下处理流水号补录审计、按订单查询可选退款方式、企微审批材料补齐且新增字段缺失映射即明确失败
- 优先轮询：人工关闭、有效期到期独立周期任务、失败与过期人工重触发、事实字段与异常重试查询、资产解析端点只读投影
- 通道阈值：命中事实同事务留痕与命中记录查询；员工账单：列表筛选与详情投影；商户池：列表投影与统计周期语义；H5：弹窗类型与类别排序
- 手机号：有效关联数量与最近解绑人、短信验证码失败次数限制；导出：佣金明细十五列与报表序号列
- 时间筛选：三处新增筛选纳入统一严格解析契约，员工账单产生时间参数改名
- 同步 12 份主 Spec 需求、两端点与异步任务证据链，门禁 context-health 与 OpenSpec 校验通过

pkg/constants/withdrawal_qualification.go

@@ -18,6 +18,43 @@ const (
 	WithdrawalQualificationStatusInvalidated = 3
 )
 
+// WithdrawalQualificationCheckPassed 表示本次提现资料资格校验通过。
+// 取值为 0/1，与 tb_commission_withdrawal_request_attempt.qualification_passed 的 CHECK 一致。
+const (
+	WithdrawalQualificationCheckPassed    = 1
+	WithdrawalQualificationCheckNotPassed = 0
+)
+
+// 提现资料资格校验未通过的稳定原因编码。
+// 编码是机器判定与审计的稳定口径，中文文案由 GetWithdrawalQualificationFailureReasonName 映射，
+// 与 tb_commission_withdrawal_request_attempt.qualification_failure_reason 的 CHECK 取值域一致。
+const (
+	// WithdrawalQualificationFailureMissing 表示申请店铺不存在任何资料资格版本。
+	WithdrawalQualificationFailureMissing = "qualification_missing"
+	// WithdrawalQualificationFailureInvalidated 表示资料资格已失效或已被作废。
+	WithdrawalQualificationFailureInvalidated = "qualification_invalidated"
+	// WithdrawalQualificationFailureShopDisabled 表示店铺已停用，资料资格随之不可用。
+	WithdrawalQualificationFailureShopDisabled = "shop_disabled"
+	// WithdrawalQualificationFailureNotApproved 表示资料资格尚未通过审批（待审批或已驳回）。
+	WithdrawalQualificationFailureNotApproved = "qualification_not_approved"
+)
+
+// GetWithdrawalQualificationFailureReasonName 返回提现资料资格校验未通过原因的中文名称。
+func GetWithdrawalQualificationFailureReasonName(reason string) string {
+	switch reason {
+	case WithdrawalQualificationFailureMissing:
+		return "资格不存在"
+	case WithdrawalQualificationFailureInvalidated:
+		return "已失效"
+	case WithdrawalQualificationFailureShopDisabled:
+		return "已停用"
+	case WithdrawalQualificationFailureNotApproved:
+		return "资料未通过审批"
+	default:
+		return "未知"
+	}
+}
+
 // GetWithdrawalQualificationStatusName 返回提现资料资格状态的中文名称。
 func GetWithdrawalQualificationStatusName(status int) string {
 	switch status {