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/service/commission_calculation/service.go

@@ -172,7 +172,30 @@ func (s *Service) CalculateCostDiffCommission(ctx context.Context, order *model.
 
 		allocation, err := s.shopPackageAllocationStore.GetByShopAndPackage(ctx, currentShop.ID, packageID)
 		if err != nil {
-			s.logger.Warn("上级店铺未分配该套餐，跳过", zap.Uint("shop_id", currentShop.ID), zap.Uint("package_id", packageID))
+			s.logger.Warn("上级店铺未分配该套餐，佣金链断裂",
+				zap.Uint("shop_id", currentShop.ID),
+				zap.Uint("package_id", packageID),
+				zap.Uint("order_id", order.ID))
+			pendingRecord := &model.CommissionRecord{
+				BaseModel: model.BaseModel{
+					Creator: order.Creator,
+					Updater: order.Updater,
+				},
+				ShopID:           currentShop.ID,
+				OrderID:          order.ID,
+				IotCardID:        order.IotCardID,
+				DeviceID:         order.DeviceID,
+				CommissionSource: model.CommissionSourceCostDiff,
+				Amount:           0,
+				Status:           constants.CommissionStatusPendingReview,
+				Remark:           fmt.Sprintf("套餐系列[%d]未分配给该代理(shop_id=%d)，成本价差链路断裂，请人工核查", *order.SeriesID, currentShop.ID),
+			}
+			if createErr := s.commissionRecordStore.Create(ctx, pendingRecord); createErr != nil {
+				s.logger.Warn("创建待审佣金记录失败",
+					zap.Uint("shop_id", currentShop.ID),
+					zap.Uint("order_id", order.ID),
+					zap.Error(createErr))
+			}
 			break
 		}
 
@@ -503,9 +526,30 @@ func (s *Service) calculateChainOneTimeCommission(ctx context.Context, bottomSho
 		parentShopID := *currentShop.ParentID
 		parentSeriesAllocation, err := s.shopSeriesAllocationStore.GetByShopAndSeries(ctx, parentShopID, seriesID)
 		if err != nil {
-			s.logger.Warn("上级店铺未分配该系列，停止链式计算",
+			s.logger.Warn("上级店铺未分配该系列，佣金链断裂",
 				zap.Uint("parent_shop_id", parentShopID),
-				zap.Uint("series_id", seriesID))
+				zap.Uint("series_id", seriesID),
+				zap.Uint("order_id", order.ID))
+			pendingRecord := &model.CommissionRecord{
+				BaseModel: model.BaseModel{
+					Creator: order.Creator,
+					Updater: order.Updater,
+				},
+				ShopID:           parentShopID,
+				OrderID:          order.ID,
+				IotCardID:        cardID,
+				DeviceID:         deviceID,
+				CommissionSource: model.CommissionSourceOneTime,
+				Amount:           0,
+				Status:           constants.CommissionStatusPendingReview,
+				Remark:           fmt.Sprintf("套餐系列[%d]未分配给该代理(shop_id=%d)，一次性佣金链路断裂，请人工核查", seriesID, parentShopID),
+			}
+			if createErr := s.commissionRecordStore.Create(ctx, pendingRecord); createErr != nil {
+				s.logger.Warn("创建待审佣金记录失败",
+					zap.Uint("shop_id", parentShopID),
+					zap.Uint("order_id", order.ID),
+					zap.Error(createErr))
+			}
 			break
 		}