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

tests/unit/my_commission_service_test.go

@@ -0,0 +1,381 @@
+package unit
+
+import (
+	"context"
+	"testing"
+
+	"github.com/stretchr/testify/assert"
+	"github.com/stretchr/testify/require"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/internal/service/my_commission"
+	"github.com/break/junhong_cmp_fiber/internal/store/postgres"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/break/junhong_cmp_fiber/tests/testutils"
+)
+
+func createMyCommissionTestContext(userID uint, shopID uint, userType int) context.Context {
+	ctx := context.Background()
+	ctx = context.WithValue(ctx, constants.ContextKeyUserID, userID)
+	ctx = context.WithValue(ctx, constants.ContextKeyUserType, userType)
+	ctx = context.WithValue(ctx, constants.ContextKeyShopID, shopID)
+	return ctx
+}
+
+func TestMyCommissionService_GetCommissionSummary(t *testing.T) {
+	db, redisClient := testutils.SetupTestDB(t)
+	defer testutils.TeardownTestDB(t, db, redisClient)
+
+	shopStore := postgres.NewShopStore(db, redisClient)
+	walletStore := postgres.NewWalletStore(db, redisClient)
+	commissionWithdrawalRequestStore := postgres.NewCommissionWithdrawalRequestStore(db, redisClient)
+	commissionWithdrawalSettingStore := postgres.NewCommissionWithdrawalSettingStore(db, redisClient)
+	commissionRecordStore := postgres.NewCommissionRecordStore(db, redisClient)
+	walletTransactionStore := postgres.NewWalletTransactionStore(db, redisClient)
+
+	service := my_commission.New(
+		db, shopStore, walletStore,
+		commissionWithdrawalRequestStore, commissionWithdrawalSettingStore,
+		commissionRecordStore, walletTransactionStore,
+	)
+
+	t.Run("佣金概览-代理商用户成功", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "概览测试店铺",
+			ShopCode:     "MY_SHOP_001",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000001",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		result, err := service.GetCommissionSummary(ctx)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+		assert.Equal(t, shop.ID, result.ShopID)
+		assert.Equal(t, "概览测试店铺", result.ShopName)
+	})
+
+	t.Run("佣金概览-非代理商用户应失败", func(t *testing.T) {
+		ctx := createMyCommissionTestContext(1, 1, constants.UserTypePlatform)
+
+		_, err := service.GetCommissionSummary(ctx)
+		assert.Error(t, err)
+	})
+
+	t.Run("佣金概览-店铺不存在应失败", func(t *testing.T) {
+		ctx := createMyCommissionTestContext(1, 99999, constants.UserTypeAgent)
+
+		_, err := service.GetCommissionSummary(ctx)
+		assert.Error(t, err)
+	})
+}
+
+func TestMyCommissionService_CreateWithdrawalRequest(t *testing.T) {
+	db, redisClient := testutils.SetupTestDB(t)
+	defer testutils.TeardownTestDB(t, db, redisClient)
+
+	shopStore := postgres.NewShopStore(db, redisClient)
+	walletStore := postgres.NewWalletStore(db, redisClient)
+	commissionWithdrawalRequestStore := postgres.NewCommissionWithdrawalRequestStore(db, redisClient)
+	commissionWithdrawalSettingStore := postgres.NewCommissionWithdrawalSettingStore(db, redisClient)
+	commissionRecordStore := postgres.NewCommissionRecordStore(db, redisClient)
+	walletTransactionStore := postgres.NewWalletTransactionStore(db, redisClient)
+
+	service := my_commission.New(
+		db, shopStore, walletStore,
+		commissionWithdrawalRequestStore, commissionWithdrawalSettingStore,
+		commissionRecordStore, walletTransactionStore,
+	)
+
+	t.Run("发起提现-无提现配置应失败", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "提现测试店铺",
+			ShopCode:     "MY_SHOP_002",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000002",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		req := &model.CreateMyWithdrawalReq{
+			Amount:           10000,
+			WithdrawalMethod: "alipay",
+			AccountName:      "测试用户",
+			AccountNumber:    "test@alipay.com",
+		}
+
+		_, err = service.CreateWithdrawalRequest(ctx, req)
+		assert.Error(t, err)
+	})
+
+	t.Run("发起提现-金额低于最低限制应失败", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "限额测试店铺",
+			ShopCode:     "MY_SHOP_003",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000003",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		setting := &model.CommissionWithdrawalSetting{
+			DailyWithdrawalLimit: 5,
+			MinWithdrawalAmount:  10000,
+			FeeRate:              100,
+			IsActive:             true,
+		}
+		setting.Creator = 1
+		setting.Updater = 1
+		err = db.Create(setting).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		req := &model.CreateMyWithdrawalReq{
+			Amount:           5000,
+			WithdrawalMethod: "alipay",
+			AccountName:      "测试用户",
+			AccountNumber:    "test@alipay.com",
+		}
+
+		_, err = service.CreateWithdrawalRequest(ctx, req)
+		assert.Error(t, err)
+	})
+
+	t.Run("发起提现-余额不足应失败", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "余额测试店铺",
+			ShopCode:     "MY_SHOP_004",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000004",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		wallet := &model.Wallet{
+			ResourceType: constants.WalletResourceTypeShop,
+			ResourceID:   shop.ID,
+			WalletType:   constants.WalletTypeCommission,
+			Balance:      5000,
+		}
+		err = db.Create(wallet).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		req := &model.CreateMyWithdrawalReq{
+			Amount:           50000,
+			WithdrawalMethod: "alipay",
+			AccountName:      "测试用户",
+			AccountNumber:    "test@alipay.com",
+		}
+
+		_, err = service.CreateWithdrawalRequest(ctx, req)
+		assert.Error(t, err)
+	})
+
+	t.Run("发起提现-非代理商用户应失败", func(t *testing.T) {
+		ctx := createMyCommissionTestContext(1, 1, constants.UserTypePlatform)
+
+		req := &model.CreateMyWithdrawalReq{
+			Amount:           10000,
+			WithdrawalMethod: "alipay",
+			AccountName:      "测试用户",
+			AccountNumber:    "test@alipay.com",
+		}
+
+		_, err := service.CreateWithdrawalRequest(ctx, req)
+		assert.Error(t, err)
+	})
+}
+
+func TestMyCommissionService_ListMyWithdrawalRequests(t *testing.T) {
+	db, redisClient := testutils.SetupTestDB(t)
+	defer testutils.TeardownTestDB(t, db, redisClient)
+
+	shopStore := postgres.NewShopStore(db, redisClient)
+	walletStore := postgres.NewWalletStore(db, redisClient)
+	commissionWithdrawalRequestStore := postgres.NewCommissionWithdrawalRequestStore(db, redisClient)
+	commissionWithdrawalSettingStore := postgres.NewCommissionWithdrawalSettingStore(db, redisClient)
+	commissionRecordStore := postgres.NewCommissionRecordStore(db, redisClient)
+	walletTransactionStore := postgres.NewWalletTransactionStore(db, redisClient)
+
+	service := my_commission.New(
+		db, shopStore, walletStore,
+		commissionWithdrawalRequestStore, commissionWithdrawalSettingStore,
+		commissionRecordStore, walletTransactionStore,
+	)
+
+	t.Run("查询提现记录-空结果", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "提现记录测试店铺",
+			ShopCode:     "MY_SHOP_005",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000005",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		req := &model.MyWithdrawalListReq{
+			Page:     1,
+			PageSize: 20,
+		}
+
+		result, err := service.ListMyWithdrawalRequests(ctx, req)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+		assert.GreaterOrEqual(t, result.Total, int64(0))
+	})
+
+	t.Run("查询提现记录-按状态筛选", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "状态筛选测试店铺",
+			ShopCode:     "MY_SHOP_006",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000006",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		status := 1
+		req := &model.MyWithdrawalListReq{
+			Page:     1,
+			PageSize: 20,
+			Status:   &status,
+		}
+
+		result, err := service.ListMyWithdrawalRequests(ctx, req)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+	})
+
+	t.Run("查询提现记录-非代理商用户应失败", func(t *testing.T) {
+		ctx := createMyCommissionTestContext(1, 1, constants.UserTypePlatform)
+
+		req := &model.MyWithdrawalListReq{
+			Page:     1,
+			PageSize: 20,
+		}
+
+		_, err := service.ListMyWithdrawalRequests(ctx, req)
+		assert.Error(t, err)
+	})
+}
+
+func TestMyCommissionService_ListMyCommissionRecords(t *testing.T) {
+	db, redisClient := testutils.SetupTestDB(t)
+	defer testutils.TeardownTestDB(t, db, redisClient)
+
+	shopStore := postgres.NewShopStore(db, redisClient)
+	walletStore := postgres.NewWalletStore(db, redisClient)
+	commissionWithdrawalRequestStore := postgres.NewCommissionWithdrawalRequestStore(db, redisClient)
+	commissionWithdrawalSettingStore := postgres.NewCommissionWithdrawalSettingStore(db, redisClient)
+	commissionRecordStore := postgres.NewCommissionRecordStore(db, redisClient)
+	walletTransactionStore := postgres.NewWalletTransactionStore(db, redisClient)
+
+	service := my_commission.New(
+		db, shopStore, walletStore,
+		commissionWithdrawalRequestStore, commissionWithdrawalSettingStore,
+		commissionRecordStore, walletTransactionStore,
+	)
+
+	t.Run("查询佣金明细-空结果", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "佣金明细测试店铺",
+			ShopCode:     "MY_SHOP_007",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000007",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		req := &model.MyCommissionRecordListReq{
+			Page:     1,
+			PageSize: 20,
+		}
+
+		result, err := service.ListMyCommissionRecords(ctx, req)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+		assert.GreaterOrEqual(t, result.Total, int64(0))
+	})
+
+	t.Run("查询佣金明细-按类型筛选", func(t *testing.T) {
+		shop := &model.Shop{
+			ShopName:     "类型筛选测试店铺",
+			ShopCode:     "MY_SHOP_008",
+			Level:        1,
+			ContactName:  "联系人",
+			ContactPhone: "13800000008",
+			Status:       constants.StatusEnabled,
+		}
+		shop.Creator = 1
+		shop.Updater = 1
+		err := db.Create(shop).Error
+		require.NoError(t, err)
+
+		ctx := createMyCommissionTestContext(1, shop.ID, constants.UserTypeAgent)
+
+		commissionType := "one_time"
+		req := &model.MyCommissionRecordListReq{
+			Page:           1,
+			PageSize:       20,
+			CommissionType: &commissionType,
+		}
+
+		result, err := service.ListMyCommissionRecords(ctx, req)
+		require.NoError(t, err)
+		assert.NotNil(t, result)
+	})
+
+	t.Run("查询佣金明细-非代理商用户应失败", func(t *testing.T) {
+		ctx := createMyCommissionTestContext(1, 1, constants.UserTypePlatform)
+
+		req := &model.MyCommissionRecordListReq{
+			Page:     1,
+			PageSize: 20,
+		}
+
+		_, err := service.ListMyCommissionRecords(ctx, req)
+		assert.Error(t, err)
+	})
+}