feat: 业务逻辑补全 — 佣金待审记录、C端订单重构、支付抽象、富友支付、卡设备状态联动

F-1: 佣金链断裂时创建 status=99 零额待审记录，新增修正接口 POST /commission-records/:id/resolve
F-4: C端订单查询从 Handler 迁移至 Service 层，移除 SkipPermissionCtx
J-1: 富友支付 JSAPI/MiniApp 预下单实现，回调补全签名验证
J-2: 平台钱包代购支持（buyerType 为空时使用资产所属代理钱包）
J-3: 套餐激活后自动更新卡/设备 status=3，最后套餐过期后更新 status=4
支付抽象: 引入 PaymentProvider 接口 + 微信/富友适配器，CreateOrder 支持多支付渠道
修复: 设备/IoT卡响应 DTO 移除 omitempty，空值字段返回 null 而非省略

internal/polling/package_activation_handler.go

@@ -138,6 +138,13 @@ func (h *PackageActivationHandler) processExpiredPackage(ctx context.Context, pk
 					zap.Error(err))
 				// 不返回错误，继续处理
 			}
+
+			if err := h.updateCarrierSuspendedStatus(ctx, tx, carrierType, carrierID); err != nil {
+				h.logger.Warn("更新载体停用状态失败",
+					zap.String("carrier_type", carrierType),
+					zap.Uint("carrier_id", carrierID),
+					zap.Error(err))
+			}
 		}
 
 		return nil
@@ -169,6 +176,91 @@ func (h *PackageActivationHandler) invalidateAddons(ctx context.Context, tx *gor
 	return nil
 }
 
+func (h *PackageActivationHandler) updateCarrierSuspendedStatus(ctx context.Context, tx *gorm.DB, carrierType string, carrierID uint) error {
+	if carrierType == constants.AssetTypeIotCard {
+		return h.updateIotCardSuspendedStatus(ctx, tx, carrierID)
+	}
+	if carrierType == constants.AssetTypeDevice {
+		return h.updateDeviceSuspendedStatus(ctx, tx, carrierID)
+	}
+	return nil
+}
+
+func (h *PackageActivationHandler) updateIotCardSuspendedStatus(ctx context.Context, tx *gorm.DB, cardID uint) error {
+	var activeCount int64
+	if err := tx.WithContext(ctx).
+		Model(&model.PackageUsage{}).
+		Where("iot_card_id = ?", cardID).
+		Where("status = ?", constants.PackageUsageStatusActive).
+		Count(&activeCount).Error; err != nil {
+		return err
+	}
+
+	if activeCount > 0 {
+		return nil
+	}
+
+	return tx.WithContext(ctx).
+		Model(&model.IotCard{}).
+		Where("id = ?", cardID).
+		Update("status", constants.IotCardStatusSuspended).Error
+}
+
+func (h *PackageActivationHandler) updateDeviceSuspendedStatus(ctx context.Context, tx *gorm.DB, deviceID uint) error {
+	var activeCount int64
+	if err := tx.WithContext(ctx).
+		Model(&model.PackageUsage{}).
+		Where("device_id = ?", deviceID).
+		Where("status = ?", constants.PackageUsageStatusActive).
+		Count(&activeCount).Error; err != nil {
+		return err
+	}
+
+	if activeCount > 0 {
+		return nil
+	}
+
+	var cardIDs []uint
+	if err := tx.WithContext(ctx).
+		Model(&model.DeviceSimBinding{}).
+		Where("device_id = ?", deviceID).
+		Where("bind_status = ?", constants.BindStatusBound).
+		Pluck("iot_card_id", &cardIDs).Error; err != nil {
+		return err
+	}
+
+	if len(cardIDs) > 0 {
+		if err := tx.WithContext(ctx).
+			Model(&model.PackageUsage{}).
+			Where("iot_card_id IN ?", cardIDs).
+			Where("status = ?", constants.PackageUsageStatusActive).
+			Count(&activeCount).Error; err != nil {
+			return err
+		}
+		if activeCount > 0 {
+			return nil
+		}
+	}
+
+	if err := tx.WithContext(ctx).
+		Model(&model.Device{}).
+		Where("id = ?", deviceID).
+		Update("status", constants.DeviceStatusSuspended).Error; err != nil {
+		return err
+	}
+
+	if len(cardIDs) > 0 {
+		if err := tx.WithContext(ctx).
+			Model(&model.IotCard{}).
+			Where("id IN ?", cardIDs).
+			Update("status", constants.IotCardStatusSuspended).Error; err != nil {
+			return err
+		}
+	}
+
+	return nil
+}
+
 // getCarrierInfo 获取载体信息
 func (h *PackageActivationHandler) getCarrierInfo(pkg *model.PackageUsage) (string, uint) {
 	if pkg.IotCardID > 0 {