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/service/commission_withdrawal/service.go

@@ -0,0 +1,420 @@
+package commission_withdrawal
+
+import (
+	"context"
+	"encoding/json"
+	"fmt"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/internal/store"
+	"github.com/break/junhong_cmp_fiber/internal/store/postgres"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"github.com/break/junhong_cmp_fiber/pkg/middleware"
+	"gorm.io/gorm"
+)
+
+type Service struct {
+	db                           *gorm.DB
+	shopStore                    *postgres.ShopStore
+	accountStore                 *postgres.AccountStore
+	walletStore                  *postgres.WalletStore
+	walletTransactionStore       *postgres.WalletTransactionStore
+	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore
+}
+
+func New(
+	db *gorm.DB,
+	shopStore *postgres.ShopStore,
+	accountStore *postgres.AccountStore,
+	walletStore *postgres.WalletStore,
+	walletTransactionStore *postgres.WalletTransactionStore,
+	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore,
+) *Service {
+	return &Service{
+		db:                           db,
+		shopStore:                    shopStore,
+		accountStore:                 accountStore,
+		walletStore:                  walletStore,
+		walletTransactionStore:       walletTransactionStore,
+		commissionWithdrawalReqStore: commissionWithdrawalReqStore,
+	}
+}
+
+func (s *Service) ListWithdrawalRequests(ctx context.Context, req *model.WithdrawalRequestListReq) (*model.WithdrawalRequestPageResult, error) {
+	opts := &store.QueryOptions{
+		Page:     req.Page,
+		PageSize: req.PageSize,
+		OrderBy:  "created_at DESC",
+	}
+	if opts.Page == 0 {
+		opts.Page = 1
+	}
+	if opts.PageSize == 0 {
+		opts.PageSize = constants.DefaultPageSize
+	}
+
+	filters := &postgres.WithdrawalRequestListFilters{
+		WithdrawalNo: req.WithdrawalNo,
+		Status:       req.Status,
+	}
+
+	if req.StartTime != "" {
+		t, err := time.Parse("2006-01-02 15:04:05", req.StartTime)
+		if err == nil {
+			filters.StartTime = &t
+		}
+	}
+	if req.EndTime != "" {
+		t, err := time.Parse("2006-01-02 15:04:05", req.EndTime)
+		if err == nil {
+			filters.EndTime = &t
+		}
+	}
+
+	requests, total, err := s.commissionWithdrawalReqStore.List(ctx, opts, filters)
+	if err != nil {
+		return nil, fmt.Errorf("查询提现申请列表失败: %w", err)
+	}
+
+	shopIDs := make([]uint, 0)
+	applicantIDs := make([]uint, 0)
+	processorIDs := make([]uint, 0)
+	for _, r := range requests {
+		if r.ShopID > 0 {
+			shopIDs = append(shopIDs, r.ShopID)
+		}
+		if r.ApplicantID > 0 {
+			applicantIDs = append(applicantIDs, r.ApplicantID)
+		}
+		if r.ProcessorID > 0 {
+			processorIDs = append(processorIDs, r.ProcessorID)
+		}
+	}
+
+	shopMap := make(map[uint]*model.Shop)
+	for _, id := range shopIDs {
+		shop, err := s.shopStore.GetByID(ctx, id)
+		if err == nil {
+			shopMap[id] = shop
+		}
+	}
+
+	applicantMap := make(map[uint]string)
+	processorMap := make(map[uint]string)
+	if len(applicantIDs) > 0 {
+		accounts, _ := s.accountStore.GetByIDs(ctx, applicantIDs)
+		for _, acc := range accounts {
+			applicantMap[acc.ID] = acc.Username
+		}
+	}
+	if len(processorIDs) > 0 {
+		accounts, _ := s.accountStore.GetByIDs(ctx, processorIDs)
+		for _, acc := range accounts {
+			processorMap[acc.ID] = acc.Username
+		}
+	}
+
+	items := make([]model.WithdrawalRequestItem, 0, len(requests))
+	for _, r := range requests {
+		shop := shopMap[r.ShopID]
+		shopName := ""
+		shopHierarchy := ""
+		if shop != nil {
+			shopName = shop.ShopName
+			shopHierarchy = s.buildShopHierarchyPath(ctx, shop)
+			if req.ShopName != "" && !containsSubstring(shopName, req.ShopName) {
+				total--
+				continue
+			}
+		}
+
+		item := s.buildWithdrawalRequestItem(r, shopName, shopHierarchy, applicantMap, processorMap)
+		items = append(items, item)
+	}
+
+	return &model.WithdrawalRequestPageResult{
+		Items: items,
+		Total: total,
+		Page:  opts.Page,
+		Size:  opts.PageSize,
+	}, nil
+}
+
+func (s *Service) Approve(ctx context.Context, id uint, req *model.ApproveWithdrawalReq) (*model.WithdrawalApprovalResp, error) {
+	currentUserID := middleware.GetUserIDFromContext(ctx)
+	if currentUserID == 0 {
+		return nil, errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	withdrawal, err := s.commissionWithdrawalReqStore.GetByID(ctx, id)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "提现申请不存在")
+	}
+
+	if withdrawal.Status != constants.WithdrawalStatusPending {
+		return nil, errors.New(errors.CodeInvalidStatus, "申请状态不允许此操作")
+	}
+
+	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, withdrawal.ShopID)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "店铺佣金钱包不存在")
+	}
+
+	amount := withdrawal.Amount
+	if req.Amount != nil {
+		amount = *req.Amount
+	}
+
+	if wallet.FrozenBalance < amount {
+		return nil, errors.New(errors.CodeInsufficientBalance, "钱包冻结余额不足")
+	}
+
+	now := time.Now()
+	err = s.db.Transaction(func(tx *gorm.DB) error {
+		if err := s.walletStore.DeductFrozenBalanceWithTx(ctx, tx, wallet.ID, amount); err != nil {
+			return fmt.Errorf("扣除冻结余额失败: %w", err)
+		}
+
+		refType := "withdrawal"
+		refID := withdrawal.ID
+		transaction := &model.WalletTransaction{
+			WalletID:        wallet.ID,
+			UserID:          currentUserID,
+			TransactionType: "withdrawal",
+			Amount:          -amount,
+			BalanceBefore:   wallet.Balance,
+			BalanceAfter:    wallet.Balance,
+			Status:          1,
+			ReferenceType:   &refType,
+			ReferenceID:     &refID,
+			Creator:         currentUserID,
+		}
+		if err := s.walletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
+			return fmt.Errorf("创建交易流水失败: %w", err)
+		}
+
+		updates := map[string]interface{}{
+			"status":       constants.WithdrawalStatusApproved,
+			"processor_id": currentUserID,
+			"processed_at": now,
+			"payment_type": req.PaymentType,
+			"remark":       req.Remark,
+		}
+
+		if req.Amount != nil {
+			feeRate := withdrawal.FeeRate
+			fee := amount * feeRate / 10000
+			actualAmount := amount - fee
+			updates["amount"] = amount
+			updates["fee"] = fee
+			updates["actual_amount"] = actualAmount
+		}
+
+		if req.WithdrawalMethod != nil {
+			updates["withdrawal_method"] = *req.WithdrawalMethod
+		}
+		if req.AccountName != nil || req.AccountNumber != nil {
+			accountInfo := make(map[string]interface{})
+			if withdrawal.AccountInfo != nil {
+				_ = json.Unmarshal(withdrawal.AccountInfo, &accountInfo)
+			}
+			if req.AccountName != nil {
+				accountInfo["account_name"] = *req.AccountName
+			}
+			if req.AccountNumber != nil {
+				accountInfo["account_number"] = *req.AccountNumber
+			}
+			infoBytes, _ := json.Marshal(accountInfo)
+			updates["account_info"] = infoBytes
+		}
+
+		if err := s.commissionWithdrawalReqStore.UpdateStatusWithTx(ctx, tx, id, updates); err != nil {
+			return fmt.Errorf("更新提现申请状态失败: %w", err)
+		}
+
+		return nil
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	return &model.WithdrawalApprovalResp{
+		ID:           withdrawal.ID,
+		WithdrawalNo: withdrawal.WithdrawalNo,
+		Status:       constants.WithdrawalStatusApproved,
+		StatusName:   "已通过",
+		ProcessedAt:  now.Format("2006-01-02 15:04:05"),
+	}, nil
+}
+
+func (s *Service) Reject(ctx context.Context, id uint, req *model.RejectWithdrawalReq) (*model.WithdrawalApprovalResp, error) {
+	currentUserID := middleware.GetUserIDFromContext(ctx)
+	if currentUserID == 0 {
+		return nil, errors.New(errors.CodeUnauthorized, "未授权访问")
+	}
+
+	withdrawal, err := s.commissionWithdrawalReqStore.GetByID(ctx, id)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "提现申请不存在")
+	}
+
+	if withdrawal.Status != constants.WithdrawalStatusPending {
+		return nil, errors.New(errors.CodeInvalidStatus, "申请状态不允许此操作")
+	}
+
+	wallet, err := s.walletStore.GetShopCommissionWallet(ctx, withdrawal.ShopID)
+	if err != nil {
+		return nil, errors.New(errors.CodeNotFound, "店铺佣金钱包不存在")
+	}
+
+	now := time.Now()
+	err = s.db.Transaction(func(tx *gorm.DB) error {
+		if err := s.walletStore.UnfreezeBalanceWithTx(ctx, tx, wallet.ID, withdrawal.Amount); err != nil {
+			return fmt.Errorf("解冻余额失败: %w", err)
+		}
+
+		refType := "withdrawal"
+		refID := withdrawal.ID
+		transaction := &model.WalletTransaction{
+			WalletID:        wallet.ID,
+			UserID:          currentUserID,
+			TransactionType: "refund",
+			Amount:          withdrawal.Amount,
+			BalanceBefore:   wallet.Balance,
+			BalanceAfter:    wallet.Balance + withdrawal.Amount,
+			Status:          1,
+			ReferenceType:   &refType,
+			ReferenceID:     &refID,
+			Creator:         currentUserID,
+		}
+		if err := s.walletTransactionStore.CreateWithTx(ctx, tx, transaction); err != nil {
+			return fmt.Errorf("创建交易流水失败: %w", err)
+		}
+
+		updates := map[string]interface{}{
+			"status":        constants.WithdrawalStatusRejected,
+			"processor_id":  currentUserID,
+			"processed_at":  now,
+			"reject_reason": req.Remark,
+			"remark":        req.Remark,
+		}
+		if err := s.commissionWithdrawalReqStore.UpdateStatusWithTx(ctx, tx, id, updates); err != nil {
+			return fmt.Errorf("更新提现申请状态失败: %w", err)
+		}
+
+		return nil
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	return &model.WithdrawalApprovalResp{
+		ID:           withdrawal.ID,
+		WithdrawalNo: withdrawal.WithdrawalNo,
+		Status:       constants.WithdrawalStatusRejected,
+		StatusName:   "已拒绝",
+		ProcessedAt:  now.Format("2006-01-02 15:04:05"),
+	}, nil
+}
+
+func (s *Service) buildShopHierarchyPath(ctx context.Context, shop *model.Shop) string {
+	if shop == nil {
+		return ""
+	}
+	path := shop.ShopName
+	current := shop
+	depth := 0
+	for current.ParentID != nil && depth < 2 {
+		parent, err := s.shopStore.GetByID(ctx, *current.ParentID)
+		if err != nil {
+			break
+		}
+		path = parent.ShopName + "_" + path
+		current = parent
+		depth++
+	}
+	return path
+}
+
+func (s *Service) buildWithdrawalRequestItem(r *model.CommissionWithdrawalRequest, shopName, shopHierarchy string, applicantMap, processorMap map[uint]string) model.WithdrawalRequestItem {
+	var processorID *uint
+	if r.ProcessorID > 0 {
+		processorID = &r.ProcessorID
+	}
+
+	var accountName, accountNumber, bankName string
+	if len(r.AccountInfo) > 0 {
+		var info map[string]interface{}
+		if err := json.Unmarshal(r.AccountInfo, &info); err == nil {
+			if v, ok := info["account_name"].(string); ok {
+				accountName = v
+			}
+			if v, ok := info["account_number"].(string); ok {
+				accountNumber = v
+			}
+			if v, ok := info["bank_name"].(string); ok {
+				bankName = v
+			}
+		}
+	}
+
+	var processedAt string
+	if r.ProcessedAt != nil {
+		processedAt = r.ProcessedAt.Format("2006-01-02 15:04:05")
+	}
+
+	return model.WithdrawalRequestItem{
+		ID:               r.ID,
+		WithdrawalNo:     r.WithdrawalNo,
+		Amount:           r.Amount,
+		FeeRate:          r.FeeRate,
+		Fee:              r.Fee,
+		ActualAmount:     r.ActualAmount,
+		Status:           r.Status,
+		StatusName:       getWithdrawalStatusName(r.Status),
+		ShopID:           r.ShopID,
+		ShopName:         shopName,
+		ShopHierarchy:    shopHierarchy,
+		ApplicantID:      r.ApplicantID,
+		ApplicantName:    applicantMap[r.ApplicantID],
+		ProcessorID:      processorID,
+		ProcessorName:    processorMap[r.ProcessorID],
+		WithdrawalMethod: r.WithdrawalMethod,
+		PaymentType:      r.PaymentType,
+		AccountName:      accountName,
+		AccountNumber:    accountNumber,
+		BankName:         bankName,
+		RejectReason:     r.RejectReason,
+		Remark:           r.Remark,
+		CreatedAt:        r.CreatedAt.Format("2006-01-02 15:04:05"),
+		ProcessedAt:      processedAt,
+	}
+}
+
+func getWithdrawalStatusName(status int) string {
+	switch status {
+	case constants.WithdrawalStatusPending:
+		return "待审核"
+	case constants.WithdrawalStatusApproved:
+		return "已通过"
+	case constants.WithdrawalStatusRejected:
+		return "已拒绝"
+	case constants.WithdrawalStatusPaid:
+		return "已到账"
+	default:
+		return "未知"
+	}
+}
+
+func containsSubstring(s, substr string) bool {
+	for i := 0; i <= len(s)-len(substr); i++ {
+		if s[i:i+len(substr)] == substr {
+			return true
+		}
+	}
+	return false
+}