feat: 实现账号与佣金管理模块

新增功能：
- 店铺佣金查询：店铺佣金统计、店铺佣金记录列表、店铺提现记录
- 佣金提现审批：提现申请列表、审批通过、审批拒绝
- 提现配置管理：配置列表、新增配置、获取当前生效配置
- 企业管理：企业列表、创建、更新、删除、获取详情
- 企业卡授权：授权列表、批量授权、批量取消授权、统计
- 客户账号管理：账号列表、创建、更新状态、重置密码
- 我的佣金：佣金统计、佣金记录、提现申请、提现记录

数据库变更：
- 扩展 tb_commission_withdrawal_request 新增提现单号等字段
- 扩展 tb_account 新增 is_primary 字段
- 扩展 tb_commission_record 新增 shop_id、balance_after
- 扩展 tb_commission_withdrawal_setting 新增每日提现次数限制
- 扩展 tb_iot_card、tb_device 新增 shop_id 冗余字段
- 新建 tb_enterprise_card_authorization 企业卡授权表
- 新建 tb_asset_allocation_record 资产分配记录表
- 数据迁移：owner_type 枚举值 agent 统一为 shop

测试：
- 新增 7 个单元测试文件覆盖各服务
- 修复集成测试 Redis 依赖问题

internal/model/my_commission_dto.go

@@ -0,0 +1,66 @@
+package model
+
+type MyCommissionSummaryResp struct {
+	ShopID                uint   `json:"shop_id" description:"店铺ID"`
+	ShopName              string `json:"shop_name" description:"店铺名称"`
+	TotalCommission       int64  `json:"total_commission" description:"累计佣金（分）"`
+	WithdrawnCommission   int64  `json:"withdrawn_commission" description:"已提现佣金（分）"`
+	UnwithdrawCommission  int64  `json:"unwithdraw_commission" description:"未提现佣金（分）"`
+	FrozenCommission      int64  `json:"frozen_commission" description:"冻结佣金（分）"`
+	WithdrawingCommission int64  `json:"withdrawing_commission" description:"提现中佣金（分）"`
+	AvailableCommission   int64  `json:"available_commission" description:"可提现佣金（分）"`
+}
+
+type CreateMyWithdrawalReq struct {
+	Amount           int64  `json:"amount" validate:"required,min=1" required:"true" minimum:"1" description:"提现金额（分）"`
+	WithdrawalMethod string `json:"withdrawal_method" validate:"required,oneof=alipay" required:"true" enum:"alipay" description:"收款类型"`
+	AccountName      string `json:"account_name" validate:"required,max=50" required:"true" maximum:"50" description:"收款人姓名"`
+	AccountNumber    string `json:"account_number" validate:"required,max=100" required:"true" maximum:"100" description:"收款账号"`
+}
+
+type CreateMyWithdrawalResp struct {
+	ID           uint   `json:"id" description:"提现申请ID"`
+	WithdrawalNo string `json:"withdrawal_no" description:"提现单号"`
+	Amount       int64  `json:"amount" description:"提现金额（分）"`
+	FeeRate      int64  `json:"fee_rate" description:"手续费比率（基点）"`
+	Fee          int64  `json:"fee" description:"手续费（分）"`
+	ActualAmount int64  `json:"actual_amount" description:"实际到账金额（分）"`
+	Status       int    `json:"status" description:"状态"`
+	StatusName   string `json:"status_name" description:"状态名称"`
+	CreatedAt    string `json:"created_at" description:"申请时间"`
+}
+
+type MyWithdrawalListReq struct {
+	Page      int    `json:"page" query:"page" validate:"omitempty,min=1" minimum:"1" description:"页码"`
+	PageSize  int    `json:"page_size" query:"page_size" validate:"omitempty,min=1,max=100" minimum:"1" maximum:"100" description:"每页数量"`
+	Status    *int   `json:"status" query:"status" description:"状态（1=待审批, 2=已通过, 3=已拒绝）"`
+	StartTime string `json:"start_time" query:"start_time" description:"申请开始时间"`
+	EndTime   string `json:"end_time" query:"end_time" description:"申请结束时间"`
+}
+
+type MyCommissionRecordListReq struct {
+	Page           int     `json:"page" query:"page" validate:"omitempty,min=1" minimum:"1" description:"页码"`
+	PageSize       int     `json:"page_size" query:"page_size" validate:"omitempty,min=1,max=100" minimum:"1" maximum:"100" description:"每页数量"`
+	CommissionType *string `json:"commission_type" query:"commission_type" description:"佣金类型"`
+	ICCID          string  `json:"iccid" query:"iccid" description:"ICCID（模糊查询）"`
+	DeviceNo       string  `json:"device_no" query:"device_no" description:"设备号（模糊查询）"`
+	OrderNo        string  `json:"order_no" query:"order_no" description:"订单号（模糊查询）"`
+}
+
+type MyCommissionRecordItem struct {
+	ID             uint   `json:"id" description:"佣金记录ID"`
+	ShopID         uint   `json:"shop_id" description:"店铺ID"`
+	OrderID        uint   `json:"order_id" description:"订单ID"`
+	CommissionType string `json:"commission_type" description:"佣金类型 (one_time:一次性, long_term:长期)"`
+	Amount         int64  `json:"amount" description:"佣金金额（分）"`
+	Status         int    `json:"status" description:"状态 (1:已冻结, 2:解冻中, 3:已发放, 4:已失效)"`
+	StatusName     string `json:"status_name" description:"状态名称"`
+	CreatedAt      string `json:"created_at" description:"创建时间"`
+}
+
+type MyCommissionRecordPageResult struct {
+	Items []MyCommissionRecordItem `json:"items" description:"佣金记录列表"`
+	Total int64                    `json:"total" description:"总记录数"`
+	Page  int                      `json:"page" description:"当前页码"`
+	Size  int                      `json:"size" description:"每页数量"`
+}