fix: 修复已激活在线卡无有效套餐时未被轮询停机的问题

- 新增 activated 轮询配置覆盖已实名+在线的卡（此前仅 real_name 配置）
- HandleCarddataCheck 添加独立停机/复机检查（不依赖流量增量）
- shouldStopCard 对齐 hasAvailablePackage 逻辑，检查待生效+生效中套餐
- 新增复机安全网：流量耗尽停机的卡检测到有效套餐后自动复机
- 卡缓存补充 stop_reason 字段支持复机判断

internal/polling/scheduler.go

@@ -538,6 +538,7 @@ func (s *Scheduler) initCardsBatch(ctx context.Context, cards []*model.IotCard)
 			"real_name_status": card.RealNameStatus,
 			"network_status":   card.NetworkStatus,
 			"carrier_id":       card.CarrierID,
+			"stop_reason":      card.StopReason,
 			"cached_at":        now.Unix(),
 		}
 		pipe.HSet(ctx, cacheKey, cacheData)
@@ -689,6 +690,7 @@ func (s *Scheduler) cacheCardInfo(ctx context.Context, card *model.IotCard, cach
 		"real_name_status": card.RealNameStatus,
 		"network_status":   card.NetworkStatus,
 		"carrier_id":       card.CarrierID,
+		"stop_reason":      card.StopReason,
 		"cached_at":        cachedAt.Unix(),
 	}