docs: 更新 admin OpenAPI 文档，新增 asset_wallet 接口定义

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-opencode)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

docs/admin-openapi.yaml

@@ -520,8 +520,9 @@ components:
         DtoAssetPackageResponse:
             properties:
                 activated_at:
-                    description: 激活时间
+                    description: 激活时间（待生效套餐为空）
                     format: date-time
+                    nullable: true
                     type: string
                 created_at:
                     description: 创建时间
@@ -534,8 +535,9 @@ components:
                     description: 已用真流量(MB)
                     type: integer
                 expires_at:
-                    description: 到期时间
+                    description: 到期时间（待生效套餐为空）
                     format: date-time
+                    nullable: true
                     type: string
                 master_usage_id:
                     description: 主套餐ID（加油包时有值）
@@ -759,6 +761,105 @@ components:
                     description: 虚拟号
                     type: string
             type: object
+        DtoAssetWalletResponse:
+            properties:
+                available_balance:
+                    description: 可用余额 = balance - frozen_balance（分）
+                    type: integer
+                balance:
+                    description: 总余额（分）
+                    type: integer
+                created_at:
+                    description: 创建时间（RFC3339）
+                    format: date-time
+                    type: string
+                currency:
+                    description: 币种，目前固定 CNY
+                    type: string
+                frozen_balance:
+                    description: 冻结余额（分）
+                    type: integer
+                resource_id:
+                    description: 对应卡或设备的数据库ID
+                    minimum: 0
+                    type: integer
+                resource_type:
+                    description: 资源类型：iot_card 或 device
+                    type: string
+                status:
+                    description: 钱包状态：1-正常 2-冻结 3-关闭
+                    type: integer
+                status_text:
+                    description: 状态文本
+                    type: string
+                updated_at:
+                    description: 更新时间（RFC3339）
+                    format: date-time
+                    type: string
+                wallet_id:
+                    description: 钱包数据库ID
+                    minimum: 0
+                    type: integer
+            type: object
+        DtoAssetWalletTransactionItem:
+            properties:
+                amount:
+                    description: 变动金额（分），充值为正数，扣款/退款为负数
+                    type: integer
+                balance_after:
+                    description: 变动后余额（分）
+                    type: integer
+                balance_before:
+                    description: 变动前余额（分）
+                    type: integer
+                created_at:
+                    description: 流水创建时间（RFC3339）
+                    format: date-time
+                    type: string
+                id:
+                    description: 流水记录ID
+                    minimum: 0
+                    type: integer
+                reference_no:
+                    description: 关联业务编号：充值单号（CRCH…）或订单号（ORD…）（可空）
+                    nullable: true
+                    type: string
+                reference_type:
+                    description: 关联业务类型：recharge 或 order（可空）
+                    nullable: true
+                    type: string
+                remark:
+                    description: 备注（可空）
+                    nullable: true
+                    type: string
+                transaction_type:
+                    description: 交易类型：recharge/deduct/refund
+                    type: string
+                transaction_type_text:
+                    description: 交易类型文本：充值/扣款/退款
+                    type: string
+            type: object
+        DtoAssetWalletTransactionListResponse:
+            properties:
+                list:
+                    description: 流水列表
+                    items:
+                        $ref: '#/components/schemas/DtoAssetWalletTransactionItem'
+                    nullable: true
+                    type: array
+                page:
+                    description: 当前页码
+                    type: integer
+                page_size:
+                    description: 每页数量
+                    type: integer
+                total:
+                    description: 总记录数
+                    type: integer
+                total_pages:
+                    description: 总页数
+                    type: integer
+            type: object
         DtoAssignPermissionsParams:
             properties:
                 perm_ids:
@@ -3365,6 +3466,9 @@ components:
                 virtual_data_mb:
                     description: 虚流量额度(MB)
                     type: integer
+                virtual_ratio:
+                    description: 虚流量比例(real_data_mb/virtual_data_mb)，启用虚流量时计算，否则为1.0
+                    type: number
             type: object
         DtoPackageSeriesPageResult:
             properties:
@@ -7141,6 +7245,191 @@ paths:
             summary: 刷新资产状态
             tags:
                 - 资产管理
+    /api/admin/assets/{asset_type}/{id}/wallet:
+        get:
+            description: 查询指定卡或设备的钱包余额概况。企业账号禁止调用。
+            parameters:
+                - description: 资产类型：card 或 device
+                  in: path
+                  name: asset_type
+                  required: true
+                  schema:
+                    description: 资产类型：card 或 device
+                    type: string
+                - description: 资产ID
+                  in: path
+                  name: id
+                  required: true
+                  schema:
+                    description: 资产ID
+                    minimum: 0
+                    type: integer
+            responses:
+                "200":
+                    content:
+                        application/json:
+                            schema:
+                                properties:
+                                    code:
+                                        description: 响应码
+                                        example: 0
+                                        type: integer
+                                    data:
+                                        $ref: '#/components/schemas/DtoAssetWalletResponse'
+                                    msg:
+                                        description: 响应消息
+                                        example: success
+                                        type: string
+                                    timestamp:
+                                        description: 时间戳
+                                        format: date-time
+                                        type: string
+                                required:
+                                    - code
+                                    - msg
+                                    - data
+                                    - timestamp
+                                type: object
+                    description: 成功
+                "400":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 请求参数错误
+                "401":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 未认证或认证已过期
+                "403":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 无权访问
+                "500":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 服务器内部错误
+            security:
+                - BearerAuth: []
+            summary: 资产钱包概况
+            tags:
+                - 资产管理
+    /api/admin/assets/{asset_type}/{id}/wallet/transactions:
+        get:
+            description: 分页查询指定资产的钱包收支流水，含充值/扣款来源编号。企业账号禁止调用。
+            parameters:
+                - description: 页码，默认1
+                  in: query
+                  name: page
+                  schema:
+                    description: 页码，默认1
+                    type: integer
+                - description: 每页数量，默认20，最大100
+                  in: query
+                  name: page_size
+                  schema:
+                    description: 每页数量，默认20，最大100
+                    type: integer
+                - description: 交易类型过滤：recharge/deduct/refund
+                  in: query
+                  name: transaction_type
+                  schema:
+                    description: 交易类型过滤：recharge/deduct/refund
+                    nullable: true
+                    type: string
+                - description: 开始时间（RFC3339）
+                  in: query
+                  name: start_time
+                  schema:
+                    description: 开始时间（RFC3339）
+                    format: date-time
+                    nullable: true
+                    type: string
+                - description: 结束时间（RFC3339）
+                  in: query
+                  name: end_time
+                  schema:
+                    description: 结束时间（RFC3339）
+                    format: date-time
+                    nullable: true
+                    type: string
+                - description: 资产类型：card 或 device
+                  in: path
+                  name: asset_type
+                  required: true
+                  schema:
+                    description: 资产类型：card 或 device
+                    type: string
+                - description: 资产ID
+                  in: path
+                  name: id
+                  required: true
+                  schema:
+                    description: 资产ID
+                    minimum: 0
+                    type: integer
+            responses:
+                "200":
+                    content:
+                        application/json:
+                            schema:
+                                properties:
+                                    code:
+                                        description: 响应码
+                                        example: 0
+                                        type: integer
+                                    data:
+                                        $ref: '#/components/schemas/DtoAssetWalletTransactionListResponse'
+                                    msg:
+                                        description: 响应消息
+                                        example: success
+                                        type: string
+                                    timestamp:
+                                        description: 时间戳
+                                        format: date-time
+                                        type: string
+                                required:
+                                    - code
+                                    - msg
+                                    - data
+                                    - timestamp
+                                type: object
+                    description: 成功
+                "400":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 请求参数错误
+                "401":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 未认证或认证已过期
+                "403":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 无权访问
+                "500":
+                    content:
+                        application/json:
+                            schema:
+                                $ref: '#/components/schemas/ErrorResponse'
+                    description: 服务器内部错误
+            security:
+                - BearerAuth: []
+            summary: 资产钱包流水列表
+            tags:
+                - 资产管理
     /api/admin/assets/card/{iccid}/start:
         post:
             description: 手动复机单张卡（通过ICCID）。受设备保护期约束。

internal/bootstrap/handlers.go

@@ -56,5 +56,6 @@ func initHandlers(svc *services, deps *Dependencies) *Handlers {
 		PollingCleanup:              admin.NewPollingCleanupHandler(svc.PollingCleanup),
 		PollingManualTrigger:        admin.NewPollingManualTriggerHandler(svc.PollingManualTrigger),
 		Asset:                       admin.NewAssetHandler(svc.Asset, svc.Device, svc.StopResumeService),
+		AssetWallet:                 admin.NewAssetWalletHandler(svc.AssetWallet),
 	}
 }

internal/bootstrap/services.go

@@ -13,6 +13,7 @@ import (
 	commissionWithdrawalSettingSvc "github.com/break/junhong_cmp_fiber/internal/service/commission_withdrawal_setting"
 
 	assetSvc "github.com/break/junhong_cmp_fiber/internal/service/asset"
+	assetWalletSvc "github.com/break/junhong_cmp_fiber/internal/service/asset_wallet"
 	deviceSvc "github.com/break/junhong_cmp_fiber/internal/service/device"
 	deviceImportSvc "github.com/break/junhong_cmp_fiber/internal/service/device_import"
 	enterpriseSvc "github.com/break/junhong_cmp_fiber/internal/service/enterprise"
@@ -79,6 +80,7 @@ type services struct {
 	PollingCleanup              *pollingSvc.CleanupService
 	PollingManualTrigger        *pollingSvc.ManualTriggerService
 	Asset                       *assetSvc.Service
+	AssetWallet                 *assetWalletSvc.Service
 	StopResumeService           *iotCardSvc.StopResumeService
 }
 
@@ -140,8 +142,8 @@ func initServices(s *stores, deps *Dependencies) *services {
 		ShopSeriesGrant:            shopSeriesGrantSvc.New(deps.DB, s.ShopSeriesAllocation, s.ShopPackageAllocation, s.ShopPackageAllocationPriceHistory, s.Shop, s.Package, s.PackageSeries, deps.Logger),
 		CommissionStats:            commissionStatsSvc.New(s.ShopSeriesCommissionStats),
 		PurchaseValidation:         purchaseValidation,
-		Order:                      orderSvc.New(deps.DB, deps.Redis, s.Order, s.OrderItem, s.AgentWallet, s.CardWallet, purchaseValidation, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.IotCard, s.Device, s.PackageSeries, s.PackageUsage, s.Package, deps.WechatPayment, deps.QueueClient, deps.Logger),
-		Recharge:                   rechargeSvc.New(deps.DB, s.CardRecharge, s.CardWallet, s.CardWalletTransaction, s.IotCard, s.Device, s.ShopSeriesAllocation, s.PackageSeries, s.CommissionRecord, deps.Logger),
+		Order:                      orderSvc.New(deps.DB, deps.Redis, s.Order, s.OrderItem, s.AgentWallet, s.AssetWallet, purchaseValidation, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.IotCard, s.Device, s.PackageSeries, s.PackageUsage, s.Package, deps.WechatPayment, deps.QueueClient, deps.Logger),
+		Recharge:                   rechargeSvc.New(deps.DB, s.AssetRecharge, s.AssetWallet, s.AssetWalletTransaction, s.IotCard, s.Device, s.ShopSeriesAllocation, s.PackageSeries, s.CommissionRecord, deps.Logger),
 		PollingConfig:              pollingSvc.NewConfigService(s.PollingConfig),
 		PollingConcurrency:         pollingSvc.NewConcurrencyService(s.PollingConcurrencyConfig, deps.Redis),
 		PollingMonitoring:          pollingSvc.NewMonitoringService(deps.Redis),
@@ -149,6 +151,7 @@ func initServices(s *stores, deps *Dependencies) *services {
 		PollingCleanup:             pollingSvc.NewCleanupService(s.DataCleanupConfig, s.DataCleanupLog, deps.Logger),
 		PollingManualTrigger:       pollingSvc.NewManualTriggerService(s.PollingManualTriggerLog, s.IotCard, deps.Redis, deps.Logger),
 		Asset:                      assetSvc.New(deps.DB, s.Device, s.IotCard, s.PackageUsage, s.Package, s.PackageSeries, s.DeviceSimBinding, s.Shop, deps.Redis, iotCard),
+		AssetWallet:                assetWalletSvc.New(s.AssetWallet, s.AssetWalletTransaction),
 		StopResumeService:          iotCardSvc.NewStopResumeService(deps.DB, deps.Redis, s.IotCard, s.DeviceSimBinding, deps.GatewayClient, deps.Logger),
 	}
 }

internal/bootstrap/stores.go

@@ -49,10 +49,10 @@ type stores struct {
 	AgentWallet            *postgres.AgentWalletStore
 	AgentWalletTransaction *postgres.AgentWalletTransactionStore
 	AgentRecharge          *postgres.AgentRechargeStore
-	// 卡钱包系统
-	CardWallet            *postgres.CardWalletStore
-	CardWalletTransaction *postgres.CardWalletTransactionStore
-	CardRecharge          *postgres.CardRechargeStore
+	// 资产钱包系统
+	AssetWallet            *postgres.AssetWalletStore
+	AssetWalletTransaction *postgres.AssetWalletTransactionStore
+	AssetRecharge          *postgres.AssetRechargeStore
 }
 
 func initStores(deps *Dependencies) *stores {
@@ -101,9 +101,9 @@ func initStores(deps *Dependencies) *stores {
 		AgentWallet:            postgres.NewAgentWalletStore(deps.DB, deps.Redis),
 		AgentWalletTransaction: postgres.NewAgentWalletTransactionStore(deps.DB, deps.Redis),
 		AgentRecharge:          postgres.NewAgentRechargeStore(deps.DB, deps.Redis),
-		// 卡钱包系统
-		CardWallet:            postgres.NewCardWalletStore(deps.DB, deps.Redis),
-		CardWalletTransaction: postgres.NewCardWalletTransactionStore(deps.DB, deps.Redis),
-		CardRecharge:          postgres.NewCardRechargeStore(deps.DB, deps.Redis),
+		// 资产钱包系统
+		AssetWallet:            postgres.NewAssetWalletStore(deps.DB, deps.Redis),
+		AssetWalletTransaction: postgres.NewAssetWalletTransactionStore(deps.DB, deps.Redis),
+		AssetRecharge:          postgres.NewAssetRechargeStore(deps.DB, deps.Redis),
 	}
 }

internal/bootstrap/types.go

@@ -54,6 +54,7 @@ type Handlers struct {
 	PollingCleanup              *admin.PollingCleanupHandler
 	PollingManualTrigger        *admin.PollingManualTriggerHandler
 	Asset                       *admin.AssetHandler
+	AssetWallet                 *admin.AssetWalletHandler
 }
 
 // Middlewares 封装所有中间件

internal/bootstrap/worker_services.go

@@ -85,7 +85,7 @@ func initWorkerServices(stores *queue.WorkerStores, deps *WorkerDependencies) *q
 		stores.Order,
 		stores.OrderItem,
 		stores.AgentWallet,
-		stores.CardWallet,
+		stores.AssetWallet,
 		nil, // purchaseValidationService: 超时取消不需要
 		stores.ShopPackageAllocation,
 		stores.ShopSeriesAllocation,

internal/bootstrap/worker_stores.go

@@ -28,7 +28,7 @@ type workerStores struct {
 	DataCleanupLog            *postgres.DataCleanupLogStore
 	AgentWallet               *postgres.AgentWalletStore
 	AgentWalletTransaction    *postgres.AgentWalletTransactionStore
-	CardWallet                *postgres.CardWalletStore
+	AssetWallet               *postgres.AssetWalletStore
 }
 
 func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
@@ -55,7 +55,7 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		DataCleanupLog:            postgres.NewDataCleanupLogStore(deps.DB),
 		AgentWallet:               postgres.NewAgentWalletStore(deps.DB, deps.Redis),
 		AgentWalletTransaction:    postgres.NewAgentWalletTransactionStore(deps.DB, deps.Redis),
-		CardWallet:                postgres.NewCardWalletStore(deps.DB, deps.Redis),
+		AssetWallet:               postgres.NewAssetWalletStore(deps.DB, deps.Redis),
 	}
 
 	return &queue.WorkerStores{
@@ -81,6 +81,6 @@ func initWorkerStores(deps *WorkerDependencies) *queue.WorkerStores {
 		DataCleanupLog:            stores.DataCleanupLog,
 		AgentWallet:               stores.AgentWallet,
 		AgentWalletTransaction:    stores.AgentWalletTransaction,
-		CardWallet:                stores.CardWallet,
+		AssetWallet:               stores.AssetWallet,
 	}
 }

internal/handler/admin/asset_wallet.go

@@ -0,0 +1,88 @@
+package admin
+
+import (
+	"strconv"
+
+	"github.com/gofiber/fiber/v2"
+
+	"github.com/break/junhong_cmp_fiber/internal/model/dto"
+	assetWalletSvc "github.com/break/junhong_cmp_fiber/internal/service/asset_wallet"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"github.com/break/junhong_cmp_fiber/pkg/middleware"
+	"github.com/break/junhong_cmp_fiber/pkg/response"
+)
+
+// AssetWalletHandler 资产钱包处理器
+// 提供管理端资产（卡/设备）钱包概况和流水查询接口
+type AssetWalletHandler struct {
+	service *assetWalletSvc.Service
+}
+
+// NewAssetWalletHandler 创建资产钱包处理器
+func NewAssetWalletHandler(svc *assetWalletSvc.Service) *AssetWalletHandler {
+	return &AssetWalletHandler{service: svc}
+}
+
+// GetWallet 查询资产钱包概况
+// GET /api/admin/assets/:asset_type/:id/wallet
+func (h *AssetWalletHandler) GetWallet(c *fiber.Ctx) error {
+	userType := middleware.GetUserTypeFromContext(c.UserContext())
+	if userType == constants.UserTypeEnterprise {
+		return errors.New(errors.CodeForbidden, "企业账号无权查看钱包信息")
+	}
+
+	assetType := c.Params("asset_type")
+	if assetType != "card" && assetType != "device" {
+		return errors.New(errors.CodeInvalidParam, "无效的资产类型")
+	}
+
+	idStr := c.Params("id")
+	id, err := strconv.ParseUint(idStr, 10, 64)
+	if err != nil || id == 0 {
+		return errors.New(errors.CodeInvalidParam, "无效的资产ID")
+	}
+
+	result, err := h.service.GetWallet(c.UserContext(), assetType, uint(id))
+	if err != nil {
+		return err
+	}
+
+	return response.Success(c, result)
+}
+
+// ListTransactions 查询资产钱包流水列表
+// GET /api/admin/assets/:asset_type/:id/wallet/transactions
+func (h *AssetWalletHandler) ListTransactions(c *fiber.Ctx) error {
+	userType := middleware.GetUserTypeFromContext(c.UserContext())
+	if userType == constants.UserTypeEnterprise {
+		return errors.New(errors.CodeForbidden, "企业账号无权查看钱包信息")
+	}
+
+	assetType := c.Params("asset_type")
+	if assetType != "card" && assetType != "device" {
+		return errors.New(errors.CodeInvalidParam, "无效的资产类型")
+	}
+
+	idStr := c.Params("id")
+	id, err := strconv.ParseUint(idStr, 10, 64)
+	if err != nil || id == 0 {
+		return errors.New(errors.CodeInvalidParam, "无效的资产ID")
+	}
+
+	var req dto.AssetWalletTransactionListRequest
+	if err := c.QueryParser(&req); err != nil {
+		return errors.New(errors.CodeInvalidParam)
+	}
+
+	if req.PageSize > 100 {
+		return errors.New(errors.CodeInvalidParam, "每页数量不能超过100")
+	}
+
+	result, err := h.service.ListTransactions(c.UserContext(), assetType, uint(id), &req)
+	if err != nil {
+		return err
+	}
+
+	return response.Success(c, result)
+}

internal/model/asset_wallet.go

@@ -6,9 +6,9 @@ import (
 	"gorm.io/gorm"
 )
 
-// CardWallet 卡钱包模型
+// AssetWallet 资产钱包模型
 // 管理物联网卡和设备级别的钱包
-type CardWallet struct {
+type AssetWallet struct {
 	ID              uint           `gorm:"column:id;primaryKey" json:"id"`
 	ResourceType    string         `gorm:"column:resource_type;type:varchar(20);not null;index;comment:资源类型(iot_card-物联网卡 | device-设备)" json:"resource_type"`
 	ResourceID      uint           `gorm:"column:resource_id;not null;index;comment:资源ID(关联tb_iot_card.id或tb_device.id)" json:"resource_id"`
@@ -25,20 +25,20 @@ type CardWallet struct {
 }
 
 // TableName 指定表名
-func (CardWallet) TableName() string {
-	return "tb_card_wallet"
+func (AssetWallet) TableName() string {
+	return "tb_asset_wallet"
 }
 
 // GetAvailableBalance 获取可用余额 = balance - frozen_balance
-func (w *CardWallet) GetAvailableBalance() int64 {
+func (w *AssetWallet) GetAvailableBalance() int64 {
 	return w.Balance - w.FrozenBalance
 }
 
-// CardWalletTransaction 卡钱包交易记录模型
-// 记录所有卡钱包余额变动
-type CardWalletTransaction struct {
+// AssetWalletTransaction 资产钱包交易记录模型
+// 记录所有资产钱包余额变动
+type AssetWalletTransaction struct {
 	ID              uint           `gorm:"column:id;primaryKey" json:"id"`
-	CardWalletID    uint           `gorm:"column:card_wallet_id;not null;index;comment:卡钱包ID" json:"card_wallet_id"`
+	AssetWalletID   uint           `gorm:"column:asset_wallet_id;not null;index;comment:资产钱包ID" json:"asset_wallet_id"`
 	ResourceType    string         `gorm:"column:resource_type;type:varchar(20);not null;index;comment:资源类型(冗余字段,便于查询)" json:"resource_type"`
 	ResourceID      uint           `gorm:"column:resource_id;not null;index;comment:资源ID(冗余字段,便于查询)" json:"resource_id"`
 	UserID          uint           `gorm:"column:user_id;not null;comment:操作人用户ID" json:"user_id"`
@@ -47,8 +47,8 @@ type CardWalletTransaction struct {
 	BalanceBefore   int64          `gorm:"column:balance_before;type:bigint;not null;comment:变动前余额(单位:分)" json:"balance_before"`
 	BalanceAfter    int64          `gorm:"column:balance_after;type:bigint;not null;comment:变动后余额(单位:分)" json:"balance_after"`
 	Status          int            `gorm:"column:status;type:int;not null;default:1;comment:交易状态(1-成功 2-失败 3-处理中)" json:"status"`
-	ReferenceType   *string        `gorm:"column:reference_type;type:varchar(50);comment:关联业务类型(order | topup)" json:"reference_type,omitempty"`
-	ReferenceID     *uint          `gorm:"column:reference_id;comment:关联业务ID" json:"reference_id,omitempty"`
+	ReferenceType   *string        `gorm:"column:reference_type;type:varchar(50);comment:关联业务类型(order | recharge)" json:"reference_type,omitempty"`
+	ReferenceNo     *string        `gorm:"column:reference_no;type:varchar(50);comment:关联业务编号(充值单号CRCH…或订单号ORD…)" json:"reference_no,omitempty"`
 	Remark          *string        `gorm:"column:remark;type:text;comment:备注" json:"remark,omitempty"`
 	Metadata        *string        `gorm:"column:metadata;type:jsonb;comment:扩展信息(如套餐信息、支付方式等)" json:"metadata,omitempty"`
 	Creator         uint           `gorm:"column:creator;not null;comment:创建人ID" json:"creator"`
@@ -60,16 +60,16 @@ type CardWalletTransaction struct {
 }
 
 // TableName 指定表名
-func (CardWalletTransaction) TableName() string {
-	return "tb_card_wallet_transaction"
+func (AssetWalletTransaction) TableName() string {
+	return "tb_asset_wallet_transaction"
 }
 
-// CardRechargeRecord 卡充值记录模型
-// 记录所有卡充值操作
-type CardRechargeRecord struct {
+// AssetRechargeRecord 资产充值记录模型
+// 记录所有资产钱包充值操作
+type AssetRechargeRecord struct {
 	ID                   uint           `gorm:"column:id;primaryKey" json:"id"`
 	UserID               uint           `gorm:"column:user_id;not null;index;comment:操作人用户ID" json:"user_id"`
-	CardWalletID         uint           `gorm:"column:card_wallet_id;not null;comment:卡钱包ID" json:"card_wallet_id"`
+	AssetWalletID        uint           `gorm:"column:asset_wallet_id;not null;comment:资产钱包ID" json:"asset_wallet_id"`
 	ResourceType         string         `gorm:"column:resource_type;type:varchar(20);not null;index;comment:资源类型(冗余字段)" json:"resource_type"`
 	ResourceID           uint           `gorm:"column:resource_id;not null;index;comment:资源ID(冗余字段)" json:"resource_id"`
 	RechargeNo           string         `gorm:"column:recharge_no;type:varchar(50);not null;uniqueIndex;comment:充值订单号(格式:CRCH+时间戳+随机数)" json:"recharge_no"`
@@ -88,6 +88,6 @@ type CardRechargeRecord struct {
 }
 
 // TableName 指定表名
-func (CardRechargeRecord) TableName() string {
-	return "tb_card_recharge_record"
+func (AssetRechargeRecord) TableName() string {
+	return "tb_asset_recharge_record"
 }

internal/model/dto/asset_wallet_dto.go

@@ -0,0 +1,52 @@
+package dto
+
+import "time"
+
+// AssetWalletResponse 资产钱包概况响应
+type AssetWalletResponse struct {
+	WalletID         uint      `json:"wallet_id" description:"钱包数据库ID"`
+	ResourceType     string    `json:"resource_type" description:"资源类型：iot_card 或 device"`
+	ResourceID       uint      `json:"resource_id" description:"对应卡或设备的数据库ID"`
+	Balance          int64     `json:"balance" description:"总余额（分）"`
+	FrozenBalance    int64     `json:"frozen_balance" description:"冻结余额（分）"`
+	AvailableBalance int64     `json:"available_balance" description:"可用余额 = balance - frozen_balance（分）"`
+	Currency         string    `json:"currency" description:"币种，目前固定 CNY"`
+	Status           int       `json:"status" description:"钱包状态：1-正常 2-冻结 3-关闭"`
+	StatusText       string    `json:"status_text" description:"状态文本"`
+	CreatedAt        time.Time `json:"created_at" description:"创建时间（RFC3339）"`
+	UpdatedAt        time.Time `json:"updated_at" description:"更新时间（RFC3339）"`
+}
+
+// AssetWalletTransactionListRequest 资产钱包流水列表请求（路径参数 + 查询参数）
+type AssetWalletTransactionListRequest struct {
+	AssetType       string     `path:"asset_type" description:"资产类型：card 或 device" required:"true"`
+	ID              uint       `path:"id" description:"资产ID" required:"true"`
+	Page            int        `json:"page" query:"page" description:"页码，默认1"`
+	PageSize        int        `json:"page_size" query:"page_size" validate:"omitempty,min=1,max=100" description:"每页数量，默认20，最大100"`
+	TransactionType *string    `json:"transaction_type" query:"transaction_type" validate:"omitempty,oneof=recharge deduct refund" description:"交易类型过滤：recharge/deduct/refund"`
+	StartTime       *time.Time `json:"start_time" query:"start_time" description:"开始时间（RFC3339）"`
+	EndTime         *time.Time `json:"end_time" query:"end_time" description:"结束时间（RFC3339）"`
+}
+
+// AssetWalletTransactionItem 单条流水记录
+type AssetWalletTransactionItem struct {
+	ID                  uint      `json:"id" description:"流水记录ID"`
+	TransactionType     string    `json:"transaction_type" description:"交易类型：recharge/deduct/refund"`
+	TransactionTypeText string    `json:"transaction_type_text" description:"交易类型文本：充值/扣款/退款"`
+	Amount              int64     `json:"amount" description:"变动金额（分），充值为正数，扣款/退款为负数"`
+	BalanceBefore       int64     `json:"balance_before" description:"变动前余额（分）"`
+	BalanceAfter        int64     `json:"balance_after" description:"变动后余额（分）"`
+	ReferenceType       *string   `json:"reference_type,omitempty" description:"关联业务类型：recharge 或 order（可空）"`
+	ReferenceNo         *string   `json:"reference_no,omitempty" description:"关联业务编号：充值单号（CRCH…）或订单号（ORD…）（可空）"`
+	Remark              *string   `json:"remark,omitempty" description:"备注（可空）"`
+	CreatedAt           time.Time `json:"created_at" description:"流水创建时间（RFC3339）"`
+}
+
+// AssetWalletTransactionListResponse 资产钱包流水列表响应
+type AssetWalletTransactionListResponse struct {
+	List       []*AssetWalletTransactionItem `json:"list" description:"流水列表"`
+	Total      int64                         `json:"total" description:"总记录数"`
+	Page       int                           `json:"page" description:"当前页码"`
+	PageSize   int                           `json:"page_size" description:"每页数量"`
+	TotalPages int                           `json:"total_pages" description:"总页数"`
+}

internal/routes/admin.go

@@ -108,6 +108,6 @@ func RegisterAdminRoutes(router fiber.Router, handlers *bootstrap.Handlers, midd
 		registerPollingManualTriggerRoutes(authGroup, handlers.PollingManualTrigger, doc, basePath)
 	}
 	if handlers.Asset != nil {
-		registerAssetRoutes(authGroup, handlers.Asset, doc, basePath)
+		registerAssetRoutes(authGroup, handlers.Asset, handlers.AssetWallet, doc, basePath)
 	}
 }

internal/routes/asset.go

@@ -8,7 +8,7 @@ import (
 	"github.com/break/junhong_cmp_fiber/pkg/openapi"
 )
 
-func registerAssetRoutes(router fiber.Router, handler *admin.AssetHandler, doc *openapi.Generator, basePath string) {
+func registerAssetRoutes(router fiber.Router, handler *admin.AssetHandler, walletHandler *admin.AssetWalletHandler, doc *openapi.Generator, basePath string) {
 	assets := router.Group("/assets")
 	groupPath := basePath + "/assets"
 
@@ -91,4 +91,22 @@ func registerAssetRoutes(router fiber.Router, handler *admin.AssetHandler, doc *
 		Output:      nil,
 		Auth:        true,
 	})
+
+	Register(assets, doc, groupPath, "GET", "/:asset_type/:id/wallet", walletHandler.GetWallet, RouteSpec{
+		Summary:     "资产钱包概况",
+		Description: "查询指定卡或设备的钱包余额概况。企业账号禁止调用。",
+		Tags:        []string{"资产管理"},
+		Input:       new(dto.AssetTypeIDRequest),
+		Output:      new(dto.AssetWalletResponse),
+		Auth:        true,
+	})
+
+	Register(assets, doc, groupPath, "GET", "/:asset_type/:id/wallet/transactions", walletHandler.ListTransactions, RouteSpec{
+		Summary:     "资产钱包流水列表",
+		Description: "分页查询指定资产的钱包收支流水，含充值/扣款来源编号。企业账号禁止调用。",
+		Tags:        []string{"资产管理"},
+		Input:       new(dto.AssetWalletTransactionListRequest),
+		Output:      new(dto.AssetWalletTransactionListResponse),
+		Auth:        true,
+	})
 }

internal/service/asset_wallet/service.go

@@ -0,0 +1,162 @@
+package asset_wallet
+
+import (
+	"context"
+
+	"github.com/break/junhong_cmp_fiber/internal/model/dto"
+	"github.com/break/junhong_cmp_fiber/internal/store/postgres"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+	"gorm.io/gorm"
+)
+
+// Service 资产钱包业务服务
+// 负责管理端资产（卡/设备）钱包概况查询和流水列表查询
+type Service struct {
+	assetWalletStore            *postgres.AssetWalletStore
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore
+}
+
+// New 创建资产钱包服务实例
+func New(assetWalletStore *postgres.AssetWalletStore, assetWalletTransactionStore *postgres.AssetWalletTransactionStore) *Service {
+	return &Service{
+		assetWalletStore:            assetWalletStore,
+		assetWalletTransactionStore: assetWalletTransactionStore,
+	}
+}
+
+// GetWallet 查询资产钱包概况
+// assetType 为 card 或 device，映射到 resourceType = iot_card 或 device
+func (s *Service) GetWallet(ctx context.Context, assetType string, assetID uint) (*dto.AssetWalletResponse, error) {
+	resourceType, err := mapAssetTypeToResourceType(assetType)
+	if err != nil {
+		return nil, err
+	}
+
+	wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, assetID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeNotFound, "该资产暂无钱包记录")
+		}
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询钱包失败")
+	}
+
+	statusText := walletStatusText(wallet.Status)
+
+	return &dto.AssetWalletResponse{
+		WalletID:         wallet.ID,
+		ResourceType:     wallet.ResourceType,
+		ResourceID:       wallet.ResourceID,
+		Balance:          wallet.Balance,
+		FrozenBalance:    wallet.FrozenBalance,
+		AvailableBalance: wallet.Balance - wallet.FrozenBalance,
+		Currency:         wallet.Currency,
+		Status:           wallet.Status,
+		StatusText:       statusText,
+		CreatedAt:        wallet.CreatedAt,
+		UpdatedAt:        wallet.UpdatedAt,
+	}, nil
+}
+
+// ListTransactions 查询资产钱包流水列表（分页）
+func (s *Service) ListTransactions(ctx context.Context, assetType string, assetID uint, req *dto.AssetWalletTransactionListRequest) (*dto.AssetWalletTransactionListResponse, error) {
+	resourceType, err := mapAssetTypeToResourceType(assetType)
+	if err != nil {
+		return nil, err
+	}
+
+	page := req.Page
+	if page < 1 {
+		page = 1
+	}
+	pageSize := req.PageSize
+	if pageSize < 1 {
+		pageSize = 20
+	}
+	if pageSize > 100 {
+		pageSize = 100
+	}
+	offset := (page - 1) * pageSize
+
+	transactions, err := s.assetWalletTransactionStore.ListByResourceIDWithFilter(
+		ctx, resourceType, assetID, req.TransactionType, req.StartTime, req.EndTime, offset, pageSize,
+	)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询流水列表失败")
+	}
+
+	total, err := s.assetWalletTransactionStore.CountByResourceIDWithFilter(
+		ctx, resourceType, assetID, req.TransactionType, req.StartTime, req.EndTime,
+	)
+	if err != nil {
+		return nil, errors.Wrap(errors.CodeDatabaseError, err, "统计流水数量失败")
+	}
+
+	list := make([]*dto.AssetWalletTransactionItem, 0, len(transactions))
+	for _, tx := range transactions {
+		list = append(list, &dto.AssetWalletTransactionItem{
+			ID:                  tx.ID,
+			TransactionType:     tx.TransactionType,
+			TransactionTypeText: transactionTypeText(tx.TransactionType),
+			Amount:              tx.Amount,
+			BalanceBefore:       tx.BalanceBefore,
+			BalanceAfter:        tx.BalanceAfter,
+			ReferenceType:       tx.ReferenceType,
+			ReferenceNo:         tx.ReferenceNo,
+			Remark:              tx.Remark,
+			CreatedAt:           tx.CreatedAt,
+		})
+	}
+
+	totalPages := int(total) / pageSize
+	if int(total)%pageSize > 0 {
+		totalPages++
+	}
+
+	return &dto.AssetWalletTransactionListResponse{
+		List:       list,
+		Total:      total,
+		Page:       page,
+		PageSize:   pageSize,
+		TotalPages: totalPages,
+	}, nil
+}
+
+// mapAssetTypeToResourceType 将路由参数 assetType（card/device）映射到数据库资源类型
+func mapAssetTypeToResourceType(assetType string) (string, error) {
+	switch assetType {
+	case "card":
+		return "iot_card", nil
+	case "device":
+		return "device", nil
+	default:
+		return "", errors.New(errors.CodeInvalidParam, "无效的资产类型，仅支持 card 或 device")
+	}
+}
+
+// walletStatusText 翻译钱包状态文本
+func walletStatusText(status int) string {
+	switch status {
+	case 1:
+		return "正常"
+	case 2:
+		return "冻结"
+	case 3:
+		return "关闭"
+	default:
+		return "未知"
+	}
+}
+
+// transactionTypeText 翻译交易类型文本
+func transactionTypeText(transactionType string) string {
+	switch transactionType {
+	case "recharge":
+		return "充值"
+	case "deduct":
+		return "扣款"
+	case "refund":
+		return "退款"
+	default:
+		return transactionType
+	}
+}

internal/service/order/service.go

@@ -31,7 +31,7 @@ type Service struct {
 	orderStore                 *postgres.OrderStore
 	orderItemStore             *postgres.OrderItemStore
 	agentWalletStore           *postgres.AgentWalletStore
-	cardWalletStore            *postgres.CardWalletStore
+	assetWalletStore           *postgres.AssetWalletStore
 	purchaseValidationService  *purchase_validation.Service
 	shopPackageAllocationStore *postgres.ShopPackageAllocationStore
 	shopSeriesAllocationStore  *postgres.ShopSeriesAllocationStore
@@ -51,7 +51,7 @@ func New(
 	orderStore *postgres.OrderStore,
 	orderItemStore *postgres.OrderItemStore,
 	agentWalletStore *postgres.AgentWalletStore,
-	cardWalletStore *postgres.CardWalletStore,
+	assetWalletStore *postgres.AssetWalletStore,
 	purchaseValidationService *purchase_validation.Service,
 	shopPackageAllocationStore *postgres.ShopPackageAllocationStore,
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
@@ -70,7 +70,7 @@ func New(
 		orderStore:                 orderStore,
 		orderItemStore:             orderItemStore,
 		agentWalletStore:           agentWalletStore,
-		cardWalletStore:            cardWalletStore,
+		assetWalletStore:           assetWalletStore,
 		purchaseValidationService:  purchaseValidationService,
 		shopPackageAllocationStore: shopPackageAllocationStore,
 		shopSeriesAllocationStore:  shopSeriesAllocationStore,
@@ -326,18 +326,35 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 	var validationResult *purchase_validation.PurchaseValidationResult
 	var err error
 
-	if req.OrderType == model.OrderTypeSingleCard {
-		if req.IotCardID == nil {
-			return nil, errors.New(errors.CodeInvalidParam, "单卡购买必须指定IoT卡ID")
+	if req.PaymentMethod == model.PaymentMethodOffline {
+		// offline 订单：绕过代理 Allocation 上架检查，仅验证套餐全局状态
+		if req.OrderType == model.OrderTypeSingleCard {
+			if req.IotCardID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "单卡购买必须指定IoT卡ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateAdminOfflineCardPurchase(ctx, *req.IotCardID, req.PackageIDs)
+		} else if req.OrderType == model.OrderTypeDevice {
+			if req.DeviceID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "设备购买必须指定设备ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateAdminOfflineDevicePurchase(ctx, *req.DeviceID, req.PackageIDs)
+		} else {
+			return nil, errors.New(errors.CodeInvalidParam, "无效的订单类型")
 		}
-		validationResult, err = s.purchaseValidationService.ValidateCardPurchase(ctx, *req.IotCardID, req.PackageIDs)
-	} else if req.OrderType == model.OrderTypeDevice {
-		if req.DeviceID == nil {
-			return nil, errors.New(errors.CodeInvalidParam, "设备购买必须指定设备ID")
-		}
-		validationResult, err = s.purchaseValidationService.ValidateDevicePurchase(ctx, *req.DeviceID, req.PackageIDs)
 	} else {
-		return nil, errors.New(errors.CodeInvalidParam, "无效的订单类型")
+		if req.OrderType == model.OrderTypeSingleCard {
+			if req.IotCardID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "单卡购买必须指定IoT卡ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateCardPurchase(ctx, *req.IotCardID, req.PackageIDs)
+		} else if req.OrderType == model.OrderTypeDevice {
+			if req.DeviceID == nil {
+				return nil, errors.New(errors.CodeInvalidParam, "设备购买必须指定设备ID")
+			}
+			validationResult, err = s.purchaseValidationService.ValidateDevicePurchase(ctx, *req.DeviceID, req.PackageIDs)
+		} else {
+			return nil, errors.New(errors.CodeInvalidParam, "无效的订单类型")
+		}
 	}
 
 	if err != nil {
@@ -362,9 +379,12 @@ func (s *Service) CreateAdminOrder(ctx context.Context, req *dto.CreateAdminOrde
 	lockKey := constants.RedisOrderCreateLockKey(carrierType, carrierID)
 	defer s.redis.Del(ctx, lockKey)
 
-	forceRechargeCheck := s.checkForceRechargeRequirement(ctx, validationResult)
-	if forceRechargeCheck.NeedForceRecharge && validationResult.TotalPrice < forceRechargeCheck.ForceRechargeAmount {
-		return nil, errors.New(errors.CodeForceRechargeRequired, "首次购买需满足最低充值要求")
+	// offline 订单不检查强充：平台直接操作，不涉及消费者支付门槛，不产生一次性佣金触发条件
+	if req.PaymentMethod != model.PaymentMethodOffline {
+		forceRechargeCheck := s.checkForceRechargeRequirement(ctx, validationResult)
+		if forceRechargeCheck.NeedForceRecharge && validationResult.TotalPrice < forceRechargeCheck.ForceRechargeAmount {
+			return nil, errors.New(errors.CodeForceRechargeRequired, "首次购买需满足最低充值要求")
+		}
 	}
 
 	userID := middleware.GetUserIDFromContext(ctx)
@@ -1271,12 +1291,12 @@ func (s *Service) unfreezeWalletForCancel(ctx context.Context, tx *gorm.DB, orde
 		} else {
 			return errors.New(errors.CodeInternalError, "无法确定钱包归属")
 		}
-		wallet, err := s.cardWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+		wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
 		if err != nil {
-			return errors.Wrap(errors.CodeWalletNotFound, err, "查询卡钱包失败")
+			return errors.Wrap(errors.CodeWalletNotFound, err, "查询资产钱包失败")
 		}
-		// 卡钱包解冻：直接减少冻结余额
-		result := tx.Model(&model.CardWallet{}).
+		// 资产钱包解冻：直接减少冻结余额
+		result := tx.Model(&model.AssetWallet{}).
 			Where("id = ? AND frozen_balance >= ?", wallet.ID, order.TotalAmount).
 			Updates(map[string]any{
 				"frozen_balance": gorm.Expr("frozen_balance - ?", order.TotalAmount),
@@ -1393,8 +1413,8 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 			return s.activatePackage(ctx, tx, order)
 		})
 	} else {
-		// 卡钱包系统（iot_card 或 device）
-		wallet, err := s.cardWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
+		// 资产钱包系统（iot_card 或 device）
+		wallet, err := s.assetWalletStore.GetByResourceTypeAndID(ctx, resourceType, resourceID)
 		if err != nil {
 			if err == gorm.ErrRecordNotFound {
 				return errors.New(errors.CodeWalletNotFound, "钱包不存在")
@@ -1437,7 +1457,10 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 				}
 			}
 
-			walletResult := tx.Model(&model.CardWallet{}).
+			// 扣款前记录余额快照，用于写入流水
+			balanceBefore := wallet.Balance
+
+			walletResult := tx.Model(&model.AssetWallet{}).
 				Where("id = ? AND balance >= ? AND version = ?", wallet.ID, order.TotalAmount, wallet.Version).
 				Updates(map[string]any{
 					"balance": gorm.Expr("balance - ?", order.TotalAmount),
@@ -1450,6 +1473,27 @@ func (s *Service) WalletPay(ctx context.Context, orderID uint, buyerType string,
 				return errors.New(errors.CodeInsufficientBalance, "余额不足或并发冲突")
 			}
 
+			// 扣款成功后补写扣款流水，填补流水表中扣款记录缺失的问题
+			deductTx := &model.AssetWalletTransaction{
+				AssetWalletID:   wallet.ID,
+				ResourceType:    resourceType,
+				ResourceID:      resourceID,
+				UserID:          buyerID,
+				TransactionType: "deduct",
+				Amount:          -order.TotalAmount,
+				BalanceBefore:   balanceBefore,
+				BalanceAfter:    balanceBefore - order.TotalAmount,
+				Status:          1,
+				ReferenceType:   strPtr("order"),
+				ReferenceNo:     &order.OrderNo,
+				Remark:          strPtr("钱包支付套餐"),
+				ShopIDTag:       wallet.ShopIDTag,
+				EnterpriseIDTag: wallet.EnterpriseIDTag,
+			}
+			if err := tx.Create(deductTx).Error; err != nil {
+				return errors.Wrap(errors.CodeDatabaseError, err, "创建扣款流水失败")
+			}
+
 			return s.activatePackage(ctx, tx, order)
 		})
 	}

internal/service/purchase_validation/service.go

@@ -173,3 +173,56 @@ func (s *Service) GetPurchasePrice(ctx context.Context, pkg *model.Package, buye
 	return pkg.SuggestedRetailPrice
 }
 
+// ValidateAdminOfflineCardPurchase 后台 offline 订单专用卡验证
+// 绕过代理 Allocation 上架检查，仅验证套餐全局状态
+func (s *Service) ValidateAdminOfflineCardPurchase(ctx context.Context, cardID uint, packageIDs []uint) (*PurchaseValidationResult, error) {
+	card, err := s.iotCardStore.GetByID(ctx, cardID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeIotCardNotFound, "IoT卡不存在")
+		}
+		return nil, err
+	}
+
+	if card.SeriesID == nil || *card.SeriesID == 0 {
+		return nil, errors.New(errors.CodeInvalidParam, "该卡未关联套餐系列，无法购买套餐")
+	}
+
+	packages, totalPrice, err := s.validatePackages(ctx, packageIDs, *card.SeriesID, 0)
+	if err != nil {
+		return nil, err
+	}
+
+	return &PurchaseValidationResult{
+		Card:       card,
+		Packages:   packages,
+		TotalPrice: totalPrice,
+	}, nil
+}
+
+// ValidateAdminOfflineDevicePurchase 后台 offline 订单专用设备验证
+// 绕过代理 Allocation 上架检查，仅验证套餐全局状态
+func (s *Service) ValidateAdminOfflineDevicePurchase(ctx context.Context, deviceID uint, packageIDs []uint) (*PurchaseValidationResult, error) {
+	device, err := s.deviceStore.GetByID(ctx, deviceID)
+	if err != nil {
+		if err == gorm.ErrRecordNotFound {
+			return nil, errors.New(errors.CodeNotFound, "设备不存在")
+		}
+		return nil, err
+	}
+
+	if device.SeriesID == nil || *device.SeriesID == 0 {
+		return nil, errors.New(errors.CodeInvalidParam, "该设备未关联套餐系列，无法购买套餐")
+	}
+
+	packages, totalPrice, err := s.validatePackages(ctx, packageIDs, *device.SeriesID, 0)
+	if err != nil {
+		return nil, err
+	}
+
+	return &PurchaseValidationResult{
+		Device:     device,
+		Packages:   packages,
+		TotalPrice: totalPrice,
+	}, nil
+}

internal/service/recharge/service.go

@@ -29,26 +29,26 @@ type ForceRechargeRequirement struct {
 }
 
 // Service 充值服务
-// 负责卡钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
+// 负责资产钱包（IoT卡/设备）的充值订单创建、预检、支付回调处理等业务逻辑
 type Service struct {
-	db                         *gorm.DB
-	cardRechargeStore          *postgres.CardRechargeStore
-	cardWalletStore            *postgres.CardWalletStore
-	cardWalletTransactionStore *postgres.CardWalletTransactionStore
-	iotCardStore               *postgres.IotCardStore
-	deviceStore                *postgres.DeviceStore
-	shopSeriesAllocationStore  *postgres.ShopSeriesAllocationStore
-	packageSeriesStore         *postgres.PackageSeriesStore
-	commissionRecordStore      *postgres.CommissionRecordStore
-	logger                     *zap.Logger
+	db                          *gorm.DB
+	assetRechargeStore          *postgres.AssetRechargeStore
+	assetWalletStore            *postgres.AssetWalletStore
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore
+	iotCardStore                *postgres.IotCardStore
+	deviceStore                 *postgres.DeviceStore
+	shopSeriesAllocationStore   *postgres.ShopSeriesAllocationStore
+	packageSeriesStore          *postgres.PackageSeriesStore
+	commissionRecordStore       *postgres.CommissionRecordStore
+	logger                      *zap.Logger
 }
 
 // New 创建充值服务实例
 func New(
 	db *gorm.DB,
-	cardRechargeStore *postgres.CardRechargeStore,
-	cardWalletStore *postgres.CardWalletStore,
-	cardWalletTransactionStore *postgres.CardWalletTransactionStore,
+	assetRechargeStore *postgres.AssetRechargeStore,
+	assetWalletStore *postgres.AssetWalletStore,
+	assetWalletTransactionStore *postgres.AssetWalletTransactionStore,
 	iotCardStore *postgres.IotCardStore,
 	deviceStore *postgres.DeviceStore,
 	shopSeriesAllocationStore *postgres.ShopSeriesAllocationStore,
@@ -57,16 +57,16 @@ func New(
 	logger *zap.Logger,
 ) *Service {
 	return &Service{
-		db:                         db,
-		cardRechargeStore:          cardRechargeStore,
-		cardWalletStore:            cardWalletStore,
-		cardWalletTransactionStore: cardWalletTransactionStore,
-		iotCardStore:               iotCardStore,
-		deviceStore:                deviceStore,
-		shopSeriesAllocationStore:  shopSeriesAllocationStore,
-		packageSeriesStore:         packageSeriesStore,
-		commissionRecordStore:      commissionRecordStore,
-		logger:                     logger,
+		db:                          db,
+		assetRechargeStore:          assetRechargeStore,
+		assetWalletStore:            assetWalletStore,
+		assetWalletTransactionStore: assetWalletTransactionStore,
+		iotCardStore:                iotCardStore,
+		deviceStore:                 deviceStore,
+		shopSeriesAllocationStore:   shopSeriesAllocationStore,
+		packageSeriesStore:          packageSeriesStore,
+		commissionRecordStore:       commissionRecordStore,
+		logger:                      logger,
 	}
 }
 
@@ -82,13 +82,13 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	}
 
 	// 2. 获取资源（卡或设备）钱包
-	var wallet *model.CardWallet
+	var wallet *model.AssetWallet
 	var err error
 
 	if req.ResourceType == "iot_card" {
-		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID)
+		wallet, err = s.assetWalletStore.GetByResourceTypeAndID(ctx, "iot_card", req.ResourceID)
 	} else if req.ResourceType == "device" {
-		wallet, err = s.cardWalletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID)
+		wallet, err = s.assetWalletStore.GetByResourceTypeAndID(ctx, "device", req.ResourceID)
 	} else {
 		return nil, errors.New(errors.CodeInvalidParam, "无效的资源类型")
 	}
@@ -115,9 +115,9 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 	rechargeNo := s.generateRechargeNo()
 
 	// 5. 创建充值订单
-	recharge := &model.CardRechargeRecord{
+	recharge := &model.AssetRechargeRecord{
 		UserID:          userID,
-		CardWalletID:    wallet.ID,
+		AssetWalletID:   wallet.ID,
 		ResourceType:    req.ResourceType,
 		ResourceID:      req.ResourceID,
 		RechargeNo:      rechargeNo,
@@ -128,7 +128,7 @@ func (s *Service) Create(ctx context.Context, req *dto.CreateRechargeRequest, us
 		EnterpriseIDTag: wallet.EnterpriseIDTag,
 	}
 
-	if err := s.cardRechargeStore.Create(ctx, recharge); err != nil {
+	if err := s.assetRechargeStore.Create(ctx, recharge); err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "创建充值订单失败")
 	}
 
@@ -173,7 +173,7 @@ func (s *Service) GetRechargeCheck(ctx context.Context, resourceType string, res
 // GetByID 根据ID查询充值订单详情
 // 支持数据权限过滤
 func (s *Service) GetByID(ctx context.Context, id uint, userID uint) (*dto.RechargeResponse, error) {
-	recharge, err := s.cardRechargeStore.GetByID(ctx, id)
+	recharge, err := s.assetRechargeStore.GetByID(ctx, id)
 	if err != nil {
 		if err == gorm.ErrRecordNotFound {
 			return nil, errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
@@ -201,10 +201,10 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		pageSize = constants.DefaultPageSize
 	}
 
-	params := &postgres.ListCardRechargeParams{
+	params := &postgres.ListAssetRechargeParams{
 		Page:     page,
 		PageSize: pageSize,
-		UserID:   &userID, // 数据权限：只能查看自己的
+		UserID:   &userID,
 	}
 
 	if req.Status != nil {
@@ -212,7 +212,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 	}
 	if req.WalletID != nil {
 		walletID := *req.WalletID
-		params.CardWalletID = &walletID
+		params.AssetWalletID = &walletID
 	}
 	if req.StartTime != nil {
 		params.StartTime = req.StartTime
@@ -221,7 +221,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 		params.EndTime = req.EndTime
 	}
 
-	recharges, total, err := s.cardRechargeStore.List(ctx, params)
+	recharges, total, err := s.assetRechargeStore.List(ctx, params)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeDatabaseError, err, "查询充值订单列表失败")
 	}
@@ -249,7 +249,7 @@ func (s *Service) List(ctx context.Context, req *dto.RechargeListRequest, userID
 // 支持幂等性检查、事务处理、更新余额、触发佣金
 func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string, paymentMethod string, paymentTransactionID string) error {
 	// 1. 查询充值订单
-	recharge, err := s.cardRechargeStore.GetByRechargeNo(ctx, rechargeNo)
+	recharge, err := s.assetRechargeStore.GetByRechargeNo(ctx, rechargeNo)
 	if err != nil {
 		if err == gorm.ErrRecordNotFound {
 			return errors.New(errors.CodeRechargeNotFound, "充值订单不存在")
@@ -272,7 +272,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 	}
 
 	// 4. 获取钱包信息
-	wallet, err := s.cardWalletStore.GetByID(ctx, recharge.CardWalletID)
+	wallet, err := s.assetWalletStore.GetByID(ctx, recharge.AssetWalletID)
 	if err != nil {
 		return errors.Wrap(errors.CodeDatabaseError, err, "查询钱包失败")
 	}
@@ -286,7 +286,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 	err = s.db.Transaction(func(tx *gorm.DB) error {
 		// 6.1 更新充值订单状态（带状态检查，实现乐观锁）
 		oldStatus := constants.RechargeStatusPending
-		if err := s.cardRechargeStore.UpdateStatusWithOptimisticLock(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
+		if err := s.assetRechargeStore.UpdateStatusWithOptimisticLock(ctx, recharge.ID, &oldStatus, constants.RechargeStatusPaid, &now, nil); err != nil {
 			if err == gorm.ErrRecordNotFound {
 				// 状态已变更，幂等处理
 				return nil
@@ -295,13 +295,13 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.2 更新支付信息
-		if err := s.cardRechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
+		if err := s.assetRechargeStore.UpdatePaymentInfo(ctx, recharge.ID, &paymentMethod, &paymentTransactionID); err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新支付信息失败")
 		}
 
 		// 6.3 增加钱包余额（使用乐观锁）
 		balanceBefore := wallet.Balance
-		result := tx.Model(&model.CardWallet{}).
+		result := tx.Model(&model.AssetWallet{}).
 			Where("id = ? AND version = ?", wallet.ID, wallet.Version).
 			Updates(map[string]any{
 				"balance": gorm.Expr("balance + ?", recharge.Amount),
@@ -314,11 +314,11 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 			return errors.New(errors.CodeInternalError, "钱包版本冲突，请重试")
 		}
 
-		// 6.4 创建钱包交易记录
+		// 6.4 创建钱包交易记录（reference_no 存储充值单号，便于前端跳转）
 		remark := "钱包充值"
 		refType := "recharge"
-		transaction := &model.CardWalletTransaction{
-			CardWalletID:    wallet.ID,
+		transaction := &model.AssetWalletTransaction{
+			AssetWalletID:   wallet.ID,
 			ResourceType:    resourceType,
 			ResourceID:      resourceID,
 			UserID:          recharge.UserID,
@@ -328,7 +328,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 			BalanceAfter:    balanceBefore + recharge.Amount,
 			Status:          1,
 			ReferenceType:   &refType,
-			ReferenceID:     &recharge.ID,
+			ReferenceNo:     &recharge.RechargeNo,
 			Remark:          &remark,
 			ShopIDTag:       wallet.ShopIDTag,
 			EnterpriseIDTag: wallet.EnterpriseIDTag,
@@ -348,7 +348,7 @@ func (s *Service) HandlePaymentCallback(ctx context.Context, rechargeNo string,
 		}
 
 		// 6.7 更新充值订单状态为已完成
-		if err := tx.Model(&model.CardRechargeRecord{}).
+		if err := tx.Model(&model.AssetRechargeRecord{}).
 			Where("id = ?", recharge.ID).
 			Update("status", constants.RechargeStatusCompleted).Error; err != nil {
 			return errors.Wrap(errors.CodeDatabaseError, err, "更新充值订单完成状态失败")
@@ -729,7 +729,7 @@ func (s *Service) generateRechargeNo() string {
 }
 
 // buildRechargeResponse 构建充值订单响应
-func (s *Service) buildRechargeResponse(recharge *model.CardRechargeRecord) *dto.RechargeResponse {
+func (s *Service) buildRechargeResponse(recharge *model.AssetRechargeRecord) *dto.RechargeResponse {
 	statusText := ""
 	switch recharge.Status {
 	case constants.RechargeStatusPending:
@@ -748,7 +748,7 @@ func (s *Service) buildRechargeResponse(recharge *model.CardRechargeRecord) *dto
 		ID:                   recharge.ID,
 		RechargeNo:           recharge.RechargeNo,
 		UserID:               recharge.UserID,
-		WalletID:             recharge.CardWalletID,
+		WalletID:             recharge.AssetWalletID,
 		Amount:               recharge.Amount,
 		PaymentMethod:        recharge.PaymentMethod,
 		PaymentChannel:       recharge.PaymentChannel,

internal/store/postgres/asset_recharge_store.go

@@ -8,33 +8,33 @@ import (
 	"gorm.io/gorm"
 )
 
-// CardRechargeStore 卡充值记录数据访问层
-type CardRechargeStore struct {
+// AssetRechargeStore 资产充值记录数据访问层
+type AssetRechargeStore struct {
 	db    *gorm.DB
 	redis *redis.Client
 }
 
-// NewCardRechargeStore 创建卡充值记录 Store
-func NewCardRechargeStore(db *gorm.DB, redis *redis.Client) *CardRechargeStore {
-	return &CardRechargeStore{
+// NewAssetRechargeStore 创建资产充值记录 Store
+func NewAssetRechargeStore(db *gorm.DB, redis *redis.Client) *AssetRechargeStore {
+	return &AssetRechargeStore{
 		db:    db,
 		redis: redis,
 	}
 }
 
 // Create 创建充值记录
-func (s *CardRechargeStore) Create(ctx context.Context, record *model.CardRechargeRecord) error {
+func (s *AssetRechargeStore) Create(ctx context.Context, record *model.AssetRechargeRecord) error {
 	return s.db.WithContext(ctx).Create(record).Error
 }
 
 // CreateWithTx 创建充值记录（带事务）
-func (s *CardRechargeStore) CreateWithTx(ctx context.Context, tx *gorm.DB, record *model.CardRechargeRecord) error {
+func (s *AssetRechargeStore) CreateWithTx(ctx context.Context, tx *gorm.DB, record *model.AssetRechargeRecord) error {
 	return tx.WithContext(ctx).Create(record).Error
 }
 
 // GetByRechargeNo 根据充值订单号查询
-func (s *CardRechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.CardRechargeRecord, error) {
-	var record model.CardRechargeRecord
+func (s *AssetRechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo string) (*model.AssetRechargeRecord, error) {
+	var record model.AssetRechargeRecord
 	err := s.db.WithContext(ctx).
 		Where("recharge_no = ?", rechargeNo).
 		First(&record).Error
@@ -45,8 +45,8 @@ func (s *CardRechargeStore) GetByRechargeNo(ctx context.Context, rechargeNo stri
 }
 
 // GetByID 根据 ID 查询
-func (s *CardRechargeStore) GetByID(ctx context.Context, id uint) (*model.CardRechargeRecord, error) {
-	var record model.CardRechargeRecord
+func (s *AssetRechargeStore) GetByID(ctx context.Context, id uint) (*model.AssetRechargeRecord, error) {
+	var record model.AssetRechargeRecord
 	if err := s.db.WithContext(ctx).First(&record, id).Error; err != nil {
 		return nil, err
 	}
@@ -54,34 +54,34 @@ func (s *CardRechargeStore) GetByID(ctx context.Context, id uint) (*model.CardRe
 }
 
 // UpdateStatus 更新充值状态
-func (s *CardRechargeStore) UpdateStatus(ctx context.Context, id uint, status int) error {
+func (s *AssetRechargeStore) UpdateStatus(ctx context.Context, id uint, status int) error {
 	return s.db.WithContext(ctx).
-		Model(&model.CardRechargeRecord{}).
+		Model(&model.AssetRechargeRecord{}).
 		Where("id = ?", id).
 		Update("status", status).Error
 }
 
 // UpdateStatusWithTx 更新充值状态（带事务）
-func (s *CardRechargeStore) UpdateStatusWithTx(ctx context.Context, tx *gorm.DB, id uint, status int) error {
+func (s *AssetRechargeStore) UpdateStatusWithTx(ctx context.Context, tx *gorm.DB, id uint, status int) error {
 	return tx.WithContext(ctx).
-		Model(&model.CardRechargeRecord{}).
+		Model(&model.AssetRechargeRecord{}).
 		Where("id = ?", id).
 		Update("status", status).Error
 }
 
 // Update 更新充值记录
-func (s *CardRechargeStore) Update(ctx context.Context, record *model.CardRechargeRecord) error {
+func (s *AssetRechargeStore) Update(ctx context.Context, record *model.AssetRechargeRecord) error {
 	return s.db.WithContext(ctx).Save(record).Error
 }
 
 // UpdateWithTx 更新充值记录（带事务）
-func (s *CardRechargeStore) UpdateWithTx(ctx context.Context, tx *gorm.DB, record *model.CardRechargeRecord) error {
+func (s *AssetRechargeStore) UpdateWithTx(ctx context.Context, tx *gorm.DB, record *model.AssetRechargeRecord) error {
 	return tx.WithContext(ctx).Save(record).Error
 }
 
 // ListByResourceID 按资源查询充值记录（支持分页）
-func (s *CardRechargeStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.CardRechargeRecord, error) {
-	var records []*model.CardRechargeRecord
+func (s *AssetRechargeStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.AssetRechargeRecord, error) {
+	var records []*model.AssetRechargeRecord
 	err := s.db.WithContext(ctx).
 		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID).
 		Order("created_at DESC").
@@ -95,8 +95,8 @@ func (s *CardRechargeStore) ListByResourceID(ctx context.Context, resourceType s
 }
 
 // ListByUserID 按用户查询充值记录（支持分页）
-func (s *CardRechargeStore) ListByUserID(ctx context.Context, userID uint, offset, limit int) ([]*model.CardRechargeRecord, error) {
-	var records []*model.CardRechargeRecord
+func (s *AssetRechargeStore) ListByUserID(ctx context.Context, userID uint, offset, limit int) ([]*model.AssetRechargeRecord, error) {
+	var records []*model.AssetRechargeRecord
 	err := s.db.WithContext(ctx).
 		Where("user_id = ?", userID).
 		Order("created_at DESC").
@@ -110,8 +110,8 @@ func (s *CardRechargeStore) ListByUserID(ctx context.Context, userID uint, offse
 }
 
 // ListByStatus 按状态查询充值记录（支持分页）
-func (s *CardRechargeStore) ListByStatus(ctx context.Context, status int, offset, limit int) ([]*model.CardRechargeRecord, error) {
-	var records []*model.CardRechargeRecord
+func (s *AssetRechargeStore) ListByStatus(ctx context.Context, status int, offset, limit int) ([]*model.AssetRechargeRecord, error) {
+	var records []*model.AssetRechargeRecord
 	err := s.db.WithContext(ctx).
 		Where("status = ?", status).
 		Order("created_at DESC").
@@ -124,31 +124,31 @@ func (s *CardRechargeStore) ListByStatus(ctx context.Context, status int, offset
 	return records, nil
 }
 
-// ListRechargeParams 充值记录列表查询参数
-type ListCardRechargeParams struct {
-	Page         int
-	PageSize     int
-	UserID       *uint
-	CardWalletID *uint
-	ResourceType *string
-	ResourceID   *uint
-	Status       *int
-	StartTime    interface{}
-	EndTime      interface{}
+// ListAssetRechargeParams 充值记录列表查询参数
+type ListAssetRechargeParams struct {
+	Page          int
+	PageSize      int
+	UserID        *uint
+	AssetWalletID *uint
+	ResourceType  *string
+	ResourceID    *uint
+	Status        *int
+	StartTime     interface{}
+	EndTime       interface{}
 }
 
 // List 查询充值记录列表（支持分页和筛选）
-func (s *CardRechargeStore) List(ctx context.Context, params *ListCardRechargeParams) ([]*model.CardRechargeRecord, int64, error) {
-	var records []*model.CardRechargeRecord
+func (s *AssetRechargeStore) List(ctx context.Context, params *ListAssetRechargeParams) ([]*model.AssetRechargeRecord, int64, error) {
+	var records []*model.AssetRechargeRecord
 	var total int64
 
-	query := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{})
+	query := s.db.WithContext(ctx).Model(&model.AssetRechargeRecord{})
 
 	if params.UserID != nil {
 		query = query.Where("user_id = ?", *params.UserID)
 	}
-	if params.CardWalletID != nil {
-		query = query.Where("card_wallet_id = ?", *params.CardWalletID)
+	if params.AssetWalletID != nil {
+		query = query.Where("asset_wallet_id = ?", *params.AssetWalletID)
 	}
 	if params.ResourceType != nil {
 		query = query.Where("resource_type = ?", *params.ResourceType)
@@ -188,7 +188,7 @@ func (s *CardRechargeStore) List(ctx context.Context, params *ListCardRechargePa
 }
 
 // UpdatePaymentInfo 更新支付信息
-func (s *CardRechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paymentMethod *string, paymentTransactionID *string) error {
+func (s *AssetRechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paymentMethod *string, paymentTransactionID *string) error {
 	updates := map[string]interface{}{}
 	if paymentMethod != nil {
 		updates["payment_method"] = paymentMethod
@@ -201,7 +201,7 @@ func (s *CardRechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paym
 		return nil
 	}
 
-	result := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{}).Where("id = ?", id).Updates(updates)
+	result := s.db.WithContext(ctx).Model(&model.AssetRechargeRecord{}).Where("id = ?", id).Updates(updates)
 	if result.Error != nil {
 		return result.Error
 	}
@@ -212,7 +212,7 @@ func (s *CardRechargeStore) UpdatePaymentInfo(ctx context.Context, id uint, paym
 }
 
 // UpdateStatusWithOptimisticLock 更新充值状态（支持乐观锁）
-func (s *CardRechargeStore) UpdateStatusWithOptimisticLock(ctx context.Context, id uint, oldStatus *int, newStatus int, paidAt interface{}, completedAt interface{}) error {
+func (s *AssetRechargeStore) UpdateStatusWithOptimisticLock(ctx context.Context, id uint, oldStatus *int, newStatus int, paidAt interface{}, completedAt interface{}) error {
 	updates := map[string]interface{}{
 		"status": newStatus,
 	}
@@ -223,7 +223,7 @@ func (s *CardRechargeStore) UpdateStatusWithOptimisticLock(ctx context.Context,
 		updates["completed_at"] = completedAt
 	}
 
-	query := s.db.WithContext(ctx).Model(&model.CardRechargeRecord{}).Where("id = ?", id)
+	query := s.db.WithContext(ctx).Model(&model.AssetRechargeRecord{}).Where("id = ?", id)
 
 	if oldStatus != nil {
 		query = query.Where("status = ?", *oldStatus)

internal/store/postgres/asset_wallet_store.go

@@ -11,23 +11,23 @@ import (
 	"gorm.io/gorm"
 )
 
-// CardWalletStore 卡钱包数据访问层
-type CardWalletStore struct {
+// AssetWalletStore 资产钱包数据访问层
+type AssetWalletStore struct {
 	db    *gorm.DB
 	redis *redis.Client
 }
 
-// NewCardWalletStore 创建卡钱包 Store
-func NewCardWalletStore(db *gorm.DB, redis *redis.Client) *CardWalletStore {
-	return &CardWalletStore{
+// NewAssetWalletStore 创建资产钱包 Store
+func NewAssetWalletStore(db *gorm.DB, redis *redis.Client) *AssetWalletStore {
+	return &AssetWalletStore{
 		db:    db,
 		redis: redis,
 	}
 }
 
 // GetByResourceTypeAndID 根据资源类型和 ID 查询钱包
-func (s *CardWalletStore) GetByResourceTypeAndID(ctx context.Context, resourceType string, resourceID uint) (*model.CardWallet, error) {
-	var wallet model.CardWallet
+func (s *AssetWalletStore) GetByResourceTypeAndID(ctx context.Context, resourceType string, resourceID uint) (*model.AssetWallet, error) {
+	var wallet model.AssetWallet
 	query := s.db.WithContext(ctx).
 		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
 	// 应用数据权限过滤（使用 shop_id_tag 字段）
@@ -40,8 +40,8 @@ func (s *CardWalletStore) GetByResourceTypeAndID(ctx context.Context, resourceTy
 }
 
 // GetByID 根据钱包 ID 查询
-func (s *CardWalletStore) GetByID(ctx context.Context, id uint) (*model.CardWallet, error) {
-	var wallet model.CardWallet
+func (s *AssetWalletStore) GetByID(ctx context.Context, id uint) (*model.AssetWallet, error) {
+	var wallet model.AssetWallet
 	query := s.db.WithContext(ctx).Where("id = ?", id)
 	// 应用数据权限过滤（使用 shop_id_tag 字段）
 	query = middleware.ApplyShopTagFilter(ctx, query)
@@ -51,20 +51,20 @@ func (s *CardWalletStore) GetByID(ctx context.Context, id uint) (*model.CardWall
 	return &wallet, nil
 }
 
-// Create 创建卡钱包
-func (s *CardWalletStore) Create(ctx context.Context, wallet *model.CardWallet) error {
+// Create 创建资产钱包
+func (s *AssetWalletStore) Create(ctx context.Context, wallet *model.AssetWallet) error {
 	return s.db.WithContext(ctx).Create(wallet).Error
 }
 
-// CreateWithTx 创建卡钱包（带事务）
-func (s *CardWalletStore) CreateWithTx(ctx context.Context, tx *gorm.DB, wallet *model.CardWallet) error {
+// CreateWithTx 创建资产钱包（带事务）
+func (s *AssetWalletStore) CreateWithTx(ctx context.Context, tx *gorm.DB, wallet *model.AssetWallet) error {
 	return tx.WithContext(ctx).Create(wallet).Error
 }
 
 // DeductBalanceWithTx 扣款（带事务，使用乐观锁）
-func (s *CardWalletStore) DeductBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64, version int) error {
+func (s *AssetWalletStore) DeductBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64, version int) error {
 	// 使用乐观锁，检查可用余额是否充足
-	result := tx.WithContext(ctx).Model(&model.CardWallet{}).
+	result := tx.WithContext(ctx).Model(&model.AssetWallet{}).
 		Where("id = ? AND balance - frozen_balance >= ? AND version = ?", walletID, amount, version).
 		Updates(map[string]interface{}{
 			"balance":    gorm.Expr("balance - ?", amount),
@@ -77,18 +77,17 @@ func (s *CardWalletStore) DeductBalanceWithTx(ctx context.Context, tx *gorm.DB,
 	}
 
 	if result.RowsAffected == 0 {
-		return gorm.ErrRecordNotFound // 余额不足或版本冲突
+		return gorm.ErrRecordNotFound
 	}
 
-	// 删除缓存
 	s.clearWalletCache(ctx, walletID)
 
 	return nil
 }
 
 // AddBalanceWithTx 增加余额（带事务）
-func (s *CardWalletStore) AddBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
-	result := tx.WithContext(ctx).Model(&model.CardWallet{}).
+func (s *AssetWalletStore) AddBalanceWithTx(ctx context.Context, tx *gorm.DB, walletID uint, amount int64) error {
+	result := tx.WithContext(ctx).Model(&model.AssetWallet{}).
 		Where("id = ?", walletID).
 		Updates(map[string]interface{}{
 			"balance":    gorm.Expr("balance + ?", amount),
@@ -103,20 +102,18 @@ func (s *CardWalletStore) AddBalanceWithTx(ctx context.Context, tx *gorm.DB, wal
 		return gorm.ErrRecordNotFound
 	}
 
-	// 删除缓存
 	s.clearWalletCache(ctx, walletID)
 
 	return nil
 }
 
 // clearWalletCache 清除钱包缓存
-func (s *CardWalletStore) clearWalletCache(ctx context.Context, walletID uint) {
-	// 查询钱包信息以获取 resource_type 和 resource_id
-	var wallet model.CardWallet
+func (s *AssetWalletStore) clearWalletCache(ctx context.Context, walletID uint) {
+	var wallet model.AssetWallet
 	if err := s.db.WithContext(ctx).Select("resource_type, resource_id").First(&wallet, walletID).Error; err != nil {
 		return
 	}
 
-	cacheKey := constants.RedisCardWalletBalanceKey(wallet.ResourceType, wallet.ResourceID)
+	cacheKey := constants.RedisAssetWalletBalanceKey(wallet.ResourceType, wallet.ResourceID)
 	_ = s.redis.Del(ctx, cacheKey).Err()
 }

internal/store/postgres/asset_wallet_transaction_store.go

@@ -0,0 +1,123 @@
+package postgres
+
+import (
+	"context"
+	"time"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/pkg/middleware"
+	"github.com/redis/go-redis/v9"
+	"gorm.io/gorm"
+)
+
+// AssetWalletTransactionStore 资产钱包交易记录数据访问层
+type AssetWalletTransactionStore struct {
+	db    *gorm.DB
+	redis *redis.Client
+}
+
+// NewAssetWalletTransactionStore 创建资产钱包交易记录 Store
+func NewAssetWalletTransactionStore(db *gorm.DB, redis *redis.Client) *AssetWalletTransactionStore {
+	return &AssetWalletTransactionStore{
+		db:    db,
+		redis: redis,
+	}
+}
+
+// CreateWithTx 创建资产钱包交易记录（带事务）
+func (s *AssetWalletTransactionStore) CreateWithTx(ctx context.Context, tx *gorm.DB, transaction *model.AssetWalletTransaction) error {
+	return tx.WithContext(ctx).Create(transaction).Error
+}
+
+// ListByResourceID 按资源查询交易记录（支持分页）
+func (s *AssetWalletTransactionStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.AssetWalletTransaction, error) {
+	var transactions []*model.AssetWalletTransaction
+	query := s.db.WithContext(ctx).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
+	// 应用数据权限过滤（使用 shop_id_tag 字段）
+	query = middleware.ApplyShopTagFilter(ctx, query)
+	err := query.Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// CountByResourceID 统计资源的交易记录数量
+func (s *AssetWalletTransactionStore) CountByResourceID(ctx context.Context, resourceType string, resourceID uint) (int64, error) {
+	var count int64
+	query := s.db.WithContext(ctx).
+		Model(&model.AssetWalletTransaction{}).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
+	// 应用数据权限过滤（使用 shop_id_tag 字段）
+	query = middleware.ApplyShopTagFilter(ctx, query)
+	err := query.Count(&count).Error
+	return count, err
+}
+
+// ListByWalletID 按钱包查询交易记录（支持分页）
+func (s *AssetWalletTransactionStore) ListByWalletID(ctx context.Context, walletID uint, offset, limit int) ([]*model.AssetWalletTransaction, error) {
+	var transactions []*model.AssetWalletTransaction
+	query := s.db.WithContext(ctx).
+		Where("asset_wallet_id = ?", walletID)
+	// 应用数据权限过滤（使用 shop_id_tag 字段）
+	query = middleware.ApplyShopTagFilter(ctx, query)
+	err := query.Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// ListByResourceIDWithFilter 按资源查询交易记录（支持 transaction_type 和时间范围过滤，分页）
+func (s *AssetWalletTransactionStore) ListByResourceIDWithFilter(ctx context.Context, resourceType string, resourceID uint, transactionType *string, startTime, endTime *time.Time, offset, limit int) ([]*model.AssetWalletTransaction, error) {
+	var transactions []*model.AssetWalletTransaction
+	query := s.db.WithContext(ctx).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
+	if transactionType != nil {
+		query = query.Where("transaction_type = ?", *transactionType)
+	}
+	if startTime != nil {
+		query = query.Where("created_at >= ?", *startTime)
+	}
+	if endTime != nil {
+		query = query.Where("created_at <= ?", *endTime)
+	}
+	// 应用数据权限过滤（使用 shop_id_tag 字段）
+	query = middleware.ApplyShopTagFilter(ctx, query)
+	err := query.Order("created_at DESC").
+		Offset(offset).
+		Limit(limit).
+		Find(&transactions).Error
+	if err != nil {
+		return nil, err
+	}
+	return transactions, nil
+}
+
+// CountByResourceIDWithFilter 统计资源的交易记录数量（支持 transaction_type 和时间范围过滤）
+func (s *AssetWalletTransactionStore) CountByResourceIDWithFilter(ctx context.Context, resourceType string, resourceID uint, transactionType *string, startTime, endTime *time.Time) (int64, error) {
+	var count int64
+	query := s.db.WithContext(ctx).
+		Model(&model.AssetWalletTransaction{}).
+		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
+	if transactionType != nil {
+		query = query.Where("transaction_type = ?", *transactionType)
+	}
+	if startTime != nil {
+		query = query.Where("created_at >= ?", *startTime)
+	}
+	if endTime != nil {
+		query = query.Where("created_at <= ?", *endTime)
+	}
+	// 应用数据权限过滤（使用 shop_id_tag 字段）
+	query = middleware.ApplyShopTagFilter(ctx, query)
+	err := query.Count(&count).Error
+	return count, err
+}

internal/store/postgres/card_wallet_transaction_store.go

@@ -1,89 +0,0 @@
-package postgres
-
-import (
-	"context"
-
-	"github.com/break/junhong_cmp_fiber/internal/model"
-	"github.com/break/junhong_cmp_fiber/pkg/middleware"
-	"github.com/redis/go-redis/v9"
-	"gorm.io/gorm"
-)
-
-// CardWalletTransactionStore 卡钱包交易记录数据访问层
-type CardWalletTransactionStore struct {
-	db    *gorm.DB
-	redis *redis.Client
-}
-
-// NewCardWalletTransactionStore 创建卡钱包交易记录 Store
-func NewCardWalletTransactionStore(db *gorm.DB, redis *redis.Client) *CardWalletTransactionStore {
-	return &CardWalletTransactionStore{
-		db:    db,
-		redis: redis,
-	}
-}
-
-// CreateWithTx 创建卡钱包交易记录（带事务）
-func (s *CardWalletTransactionStore) CreateWithTx(ctx context.Context, tx *gorm.DB, transaction *model.CardWalletTransaction) error {
-	return tx.WithContext(ctx).Create(transaction).Error
-}
-
-// ListByResourceID 按资源查询交易记录（支持分页）
-func (s *CardWalletTransactionStore) ListByResourceID(ctx context.Context, resourceType string, resourceID uint, offset, limit int) ([]*model.CardWalletTransaction, error) {
-	var transactions []*model.CardWalletTransaction
-	query := s.db.WithContext(ctx).
-		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
-	// 应用数据权限过滤（使用 shop_id_tag 字段）
-	query = middleware.ApplyShopTagFilter(ctx, query)
-	err := query.Order("created_at DESC").
-		Offset(offset).
-		Limit(limit).
-		Find(&transactions).Error
-	if err != nil {
-		return nil, err
-	}
-	return transactions, nil
-}
-
-// CountByResourceID 统计资源的交易记录数量
-func (s *CardWalletTransactionStore) CountByResourceID(ctx context.Context, resourceType string, resourceID uint) (int64, error) {
-	var count int64
-	query := s.db.WithContext(ctx).
-		Model(&model.CardWalletTransaction{}).
-		Where("resource_type = ? AND resource_id = ?", resourceType, resourceID)
-	// 应用数据权限过滤（使用 shop_id_tag 字段）
-	query = middleware.ApplyShopTagFilter(ctx, query)
-	err := query.Count(&count).Error
-	return count, err
-}
-
-// ListByWalletID 按钱包查询交易记录（支持分页）
-func (s *CardWalletTransactionStore) ListByWalletID(ctx context.Context, walletID uint, offset, limit int) ([]*model.CardWalletTransaction, error) {
-	var transactions []*model.CardWalletTransaction
-	query := s.db.WithContext(ctx).
-		Where("card_wallet_id = ?", walletID)
-	// 应用数据权限过滤（使用 shop_id_tag 字段）
-	query = middleware.ApplyShopTagFilter(ctx, query)
-	err := query.Order("created_at DESC").
-		Offset(offset).
-		Limit(limit).
-		Find(&transactions).Error
-	if err != nil {
-		return nil, err
-	}
-	return transactions, nil
-}
-
-// GetByReference 根据关联业务查询交易记录
-func (s *CardWalletTransactionStore) GetByReference(ctx context.Context, referenceType string, referenceID uint) (*model.CardWalletTransaction, error) {
-	var transaction model.CardWalletTransaction
-	query := s.db.WithContext(ctx).
-		Where("reference_type = ? AND reference_id = ?", referenceType, referenceID)
-	// 应用数据权限过滤（使用 shop_id_tag 字段）
-	query = middleware.ApplyShopTagFilter(ctx, query)
-	err := query.First(&transaction).Error
-	if err != nil {
-		return nil, err
-	}
-	return &transaction, nil
-}

migrations/000076_rename_card_wallet_tables_to_asset_wallet.down.sql

@@ -0,0 +1,3 @@
+ALTER TABLE tb_asset_recharge_record RENAME TO tb_card_recharge_record;
+ALTER TABLE tb_asset_wallet_transaction RENAME TO tb_card_wallet_transaction;
+ALTER TABLE tb_asset_wallet RENAME TO tb_card_wallet;

migrations/000076_rename_card_wallet_tables_to_asset_wallet.up.sql

@@ -0,0 +1,9 @@
+-- 将卡钱包相关表统一改名为资产钱包，使命名与实际承载的两种资产（iot_card + device）一致
+-- tb_card_wallet → tb_asset_wallet
+ALTER TABLE tb_card_wallet RENAME TO tb_asset_wallet;
+
+-- tb_card_wallet_transaction → tb_asset_wallet_transaction
+ALTER TABLE tb_card_wallet_transaction RENAME TO tb_asset_wallet_transaction;
+
+-- tb_card_recharge_record → tb_asset_recharge_record
+ALTER TABLE tb_card_recharge_record RENAME TO tb_asset_recharge_record;

migrations/000077_rename_reference_id_to_reference_no.down.sql

@@ -0,0 +1,2 @@
+ALTER TABLE tb_asset_wallet_transaction ALTER COLUMN reference_no TYPE BIGINT USING reference_no::BIGINT;
+ALTER TABLE tb_asset_wallet_transaction RENAME COLUMN reference_no TO reference_id;

migrations/000077_rename_reference_id_to_reference_no.up.sql

@@ -0,0 +1,4 @@
+-- 将流水记录中的关联ID字段从 bigint 类型的 reference_id 改为 varchar(50) 的 reference_no
+-- 用于存储可读的业务编号：充值单号（CRCH…）或订单号（ORD…）
+ALTER TABLE tb_asset_wallet_transaction RENAME COLUMN reference_id TO reference_no;
+ALTER TABLE tb_asset_wallet_transaction ALTER COLUMN reference_no TYPE VARCHAR(50) USING reference_no::VARCHAR(50);

pkg/constants/wallet.go

@@ -130,18 +130,18 @@ func RedisAgentWalletLockKey(shopID uint, walletType string) string {
 	return fmt.Sprintf("agent_wallet:lock:%d:%s", shopID, walletType)
 }
 
-// RedisCardWalletBalanceKey 卡钱包余额缓存 Key
-// 格式：card_wallet:balance:{resource_type}:{resource_id}
+// RedisAssetWalletBalanceKey 资产钱包余额缓存 Key
+// 格式：asset_wallet:balance:{resource_type}:{resource_id}
 // TTL：180 秒（3 分钟）
-func RedisCardWalletBalanceKey(resourceType string, resourceID uint) string {
-	return fmt.Sprintf("card_wallet:balance:%s:%d", resourceType, resourceID)
+func RedisAssetWalletBalanceKey(resourceType string, resourceID uint) string {
+	return fmt.Sprintf("asset_wallet:balance:%s:%d", resourceType, resourceID)
 }
 
-// RedisCardWalletLockKey 卡钱包分布式锁 Key
-// 格式：card_wallet:lock:{resource_type}:{resource_id}
+// RedisAssetWalletLockKey 资产钱包分布式锁 Key
+// 格式：asset_wallet:lock:{resource_type}:{resource_id}
 // TTL：10 秒
-func RedisCardWalletLockKey(resourceType string, resourceID uint) string {
-	return fmt.Sprintf("card_wallet:lock:%s:%d", resourceType, resourceID)
+func RedisAssetWalletLockKey(resourceType string, resourceID uint) string {
+	return fmt.Sprintf("asset_wallet:lock:%s:%d", resourceType, resourceID)
 }
 
 // ========== 兼容性别名（待清理）==========

pkg/openapi/handlers.go

@@ -53,5 +53,6 @@ func BuildDocHandlers() *bootstrap.Handlers {
 		PollingCleanup:              admin.NewPollingCleanupHandler(nil),
 		PollingManualTrigger:        admin.NewPollingManualTriggerHandler(nil),
 		Asset:                       admin.NewAssetHandler(nil, nil, nil),
+		AssetWallet:                 admin.NewAssetWalletHandler(nil),
 	}
 }

pkg/queue/types.go

@@ -39,10 +39,9 @@ type WorkerStores struct {
 	PollingAlertHistory       *postgres.PollingAlertHistoryStore
 	DataCleanupConfig         *postgres.DataCleanupConfigStore
 	DataCleanupLog            *postgres.DataCleanupLogStore
-	// 新增代理钱包 Store
-	AgentWallet            *postgres.AgentWalletStore
-	AgentWalletTransaction *postgres.AgentWalletTransactionStore
-	CardWallet             *postgres.CardWalletStore // 卡钱包 Store（用于订单取消时解冻）
+	AgentWallet               *postgres.AgentWalletStore
+	AgentWalletTransaction    *postgres.AgentWalletTransactionStore
+	AssetWallet               *postgres.AssetWalletStore
 }
 
 // WorkerServices Worker 侧所有 Service 的集合