fix: 资产钱包自动创建机制 — 修复C端购买时钱包不存在报错

- client_order: 新增 getOrCreateWallet 兜底，钱包不存在时自动创建
- device_import: 设备导入事务内同步创建设备钱包
- iot_card_import: IoT卡批量导入后批量创建卡钱包
- queue/handler: 传递 AssetWalletStore 给两个导入 handler
- migration 000098: 为存量IoT卡和设备补建资产钱包

internal/service/client_order/service.go

@@ -333,12 +333,9 @@ func (s *Service) createForceRechargeOrder(
 		return nil, err
 	}
 
-	wallet, err := s.walletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+	wallet, err := s.getOrCreateWallet(ctx, resourceType, resourceID, resolveSellerShopID(validationResult))
 	if err != nil {
-		if err == gorm.ErrRecordNotFound {
-			return nil, errors.New(errors.CodeWalletNotFound, "钱包不存在")
-		}
-		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询资产钱包失败")
+		return nil, err
 	}
 
 	linkedPackageIDs, err := sonic.Marshal(extractPackageIDs(validationResult.Packages))
@@ -558,6 +555,46 @@ func buildLinkedPackageInfo(result *purchase_validation.PurchaseValidationResult
 	}
 }
 
+// getOrCreateWallet 获取或自动创建资产钱包
+// 兜底机制：当钱包不存在时自动创建，避免因钱包未提前创建导致业务中断
+func (s *Service) getOrCreateWallet(ctx context.Context, resourceType string, resourceID uint, shopIDTag uint) (*model.AssetWallet, error) {
+	wallet, err := s.walletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+	if err == nil {
+		return wallet, nil
+	}
+	if err != gorm.ErrRecordNotFound {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询资产钱包失败")
+	}
+
+	// 钱包不存在，自动创建空钱包
+	s.logger.Info("资产钱包不存在，自动创建",
+		zap.String("resource_type", resourceType),
+		zap.Uint("resource_id", resourceID),
+		zap.Uint("shop_id_tag", shopIDTag),
+	)
+
+	newWallet := &model.AssetWallet{
+		ResourceType:  resourceType,
+		ResourceID:    resourceID,
+		Balance:       0,
+		FrozenBalance: 0,
+		Currency:      "CNY",
+		Status:        constants.AssetWalletStatusNormal,
+		Version:       0,
+		ShopIDTag:     shopIDTag,
+	}
+	if createErr := s.walletStore.Create(ctx, newWallet); createErr != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, createErr, "自动创建资产钱包失败")
+	}
+
+	// 重新查询获取完整数据（含数据库生成的字段）
+	wallet, err = s.walletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询资产钱包失败")
+	}
+	return wallet, nil
+}
+
 func resolveWalletResource(result *purchase_validation.PurchaseValidationResult) (string, uint, error) {
 	if result.Card != nil {
 		return constants.AssetWalletResourceTypeIotCard, result.Card.ID, nil