feat: 卡流量读数先过采集队列再入账，扣减按采集时刻确定套餐

- 每卡 Redis 采集队列（默认 N=3、跨天清空、回退容差 1 MB），攒满且不下降才写最后一个点
- 测试环境全量切换日快照计量，下线灰度名单、切换水位与卡表基线扣费；全部卡置待建起点
- 读数区分没给值与 0；有套餐的卡读数 0 也写快照与日用量 0 行；重置日比较基准为 0 照常防旧值
- 新增采集记录（按月分区保留 90 天）、人工冲正流水与后台接口、采集告警
- 扣减按采集时刻有效套餐查找，只对生效中套餐做状态迁移，查不到套餐按成功跳过
- 换货新卡（新设备下的卡）打待建起点；采集间隔上限只校验启用中的轮询配置

Change: add-card-traffic-queue-and-observed-deduction

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

cmd/worker/main.go

@@ -28,6 +28,7 @@ import (
 	refundchannelApp "github.com/break/junhong_cmp_fiber/internal/application/refundchannel"
 	walletApp "github.com/break/junhong_cmp_fiber/internal/application/wallet"
 	"github.com/break/junhong_cmp_fiber/internal/bootstrap"
+	"github.com/break/junhong_cmp_fiber/internal/domain/cardflow"
 	"github.com/break/junhong_cmp_fiber/internal/gateway"
 	approvalInfra "github.com/break/junhong_cmp_fiber/internal/infrastructure/approval"
 	assetAutoRenewalInfra "github.com/break/junhong_cmp_fiber/internal/infrastructure/assetautorenewal"
@@ -173,6 +174,7 @@ func runWorker(cfg *config.Config) {
 
 	if runsSingletonModules(cfg.Worker.Role) {
 		pollingInitializer = startPollingInitializer(ctx, runtime, appLogger)
+		startTrafficCollectionPartitionMaintainer(ctx, runtime, appLogger)
 		pollingScheduler = startPollingScheduler(ctx, runtime, pollingInitializer, appLogger)
 		asynqScheduler = startAsynqScheduler(cfg, runtime.redisAddr, appLogger)
 	}
@@ -858,6 +860,43 @@ func startOutboxRelay(ctx context.Context, runtime *workerRuntime, instanceName
 	appLogger.Info("Outbox Relay 已启动", zap.String("lease_owner", owner))
 }
 
+// startTrafficCollectionPartitionMaintainer 为 leader/all 维护卡流量采集记录月分区并扫描采集告警：
+// 每 12 小时预建本月起 2 个月的分区、删除整月都早于保留期的分区；每天扫描一次前一天的采集告警。
+func startTrafficCollectionPartitionMaintainer(ctx context.Context, runtime *workerRuntime, appLogger *zap.Logger) {
+	store := postgres.NewCardTrafficCollectionStore(runtime.db)
+	alerts := cardObservationInfra.NewTrafficAlertScanner(runtime.db, appLogger)
+	go func() {
+		ticker := time.NewTicker(time.Hour)
+		defer ticker.Stop()
+		var lastMaintained time.Time
+		var lastScannedDay string
+		for {
+			now := time.Now()
+			if now.Sub(lastMaintained) >= 12*time.Hour {
+				if err := store.MaintainPartitions(ctx, now, 2, constants.TrafficCollectionRetentionDays); err != nil && ctx.Err() == nil {
+					appLogger.Error("维护卡流量采集记录分区失败", zap.Error(err))
+				} else {
+					lastMaintained = now
+				}
+			}
+			// 每天扫描一次前一天（上海日期）的采集告警。
+			yesterday := cardflow.ShanghaiDate(now).AddDate(0, 0, -1)
+			if day := yesterday.Format("2006-01-02"); day != lastScannedDay {
+				if err := alerts.Scan(ctx, yesterday); err != nil && ctx.Err() == nil {
+					appLogger.Error("扫描卡流量采集告警失败", zap.Error(err))
+				} else {
+					lastScannedDay = day
+				}
+			}
+			select {
+			case <-ctx.Done():
+				return
+			case <-ticker.C:
+			}
+		}
+	}()
+}
+
 // startPollingInitializer 为 leader/all 启动渐进式初始化器，并保留配置变更重启逻辑。
 func startPollingInitializer(ctx context.Context, runtime *workerRuntime, appLogger *zap.Logger) *polling.PollingInitializer {
 	pollingInitializer := polling.NewPollingInitializer(