feat(finance): 客服端「我的备用金」改为「我的钱包」，四平台并列

客服原来只能看到备用金现金，平台积分藏在 Tab 里且是空的。
现在四个钱包并列展示：南航积分 / 乐玩积分 / ROCK 积分 / 备用金现金。

后端：
- 客服查询积分账户时自动补建三个空账户，保证四个钱包始终并列展示，
  不会出现「点了没反应」的空白卡片。

前端：
- 标题「我的备用金」→「我的钱包」，菜单同步改名。
- 顶部四张卡：三个积分平台各一张（显示积分余额 + 折合金额 + 换算率标签），
  备用金现金一张。余额为 0 时置灰。
- 四个钱包卡片与备用金账户解耦：没开通备用金账户的客服也能看到积分钱包，
  只是现金卡显示「尚未开通备用金账户」。
- Tab 调整为「积分流水 / 备用金流水 / 我的支出」，积分流水独立展示
  （平台、类型、变动、余额、折合金额、备注、时间）。
- 备用金账户详情卡（账户编号、责任主管、状态、登记支出、缴回备用金）
  仍然只在有账户时显示。

校验：后端 765 项 / 0 失败，前端 143 项全通过（含 lint、tsc -b、build）。

Co-Authored-By: Claude Opus 4.5 (1M context) <noreply@anthropic.com>

apps/backend/src/services/cost-center/platform-credit-service.ts

@@ -90,6 +90,11 @@ export async function listPlatformCreditAccounts(session: AdminSession) {
     clauses.push(`pca.owner_admin_user_id = $${params.length}`)
   }
 
+  // 客服第一次进来时补建三个空账户，保证四个钱包始终并列展示。
+  if (!isPrivileged(session)) {
+    await ensurePlatformCreditAccounts(session.userId)
+  }
+
   const where = clauses.length > 0 ? `AND ${clauses.join(' AND ')}` : ''
   const result = await query<CreditAccountRow>(
     `

apps/frontend/src/layouts/AdminLayout.tsx

@@ -145,7 +145,7 @@ export default function AdminLayout() {
             {
               key: '/admin/fund',
               icon: <WalletOutlined />,
-              label: role === 'support' ? '我的备用金' : '备用金',
+              label: role === 'support' ? '我的钱包' : '备用金',
             },
             ...(role === 'support'
               ? []

apps/frontend/src/pages/admin/fund/FundSupportView.tsx

@@ -34,16 +34,18 @@ import {
   createAdminFundExpense,
   createAdminFundReturn,
   fetchAdminFundMyAccount,
+  fetchAdminPlatformCreditAccounts,
+  fetchAdminPlatformCreditEntries,
 } from '@/services/admin'
 import type {
   AdminFundEntry,
   AdminFundExpense,
   AdminFundExpenseCategory,
   AdminFundPayeeType,
+  PlatformCreditEntry,
 } from '@/types/admin'
 import type { UploadedFile } from '@/types/worker-platform'
 import { formatAdminDateTime } from '@/utils/admin-time'
-import { PlatformCreditPanel } from './PlatformCreditPanel'
 import {
   FUND_ACCOUNT_STATUS_LABELS,
   FUND_CATEGORY_LABELS,
@@ -94,11 +96,36 @@ export default function FundSupportView() {
   const entries = data?.entries || []
   const expenses = data?.expenses || []
 
+  const creditAccountsQuery = useQuery({
+    queryKey: ['admin-platform-credit-accounts'],
+    queryFn: fetchAdminPlatformCreditAccounts,
+  })
+  const creditEntriesQuery = useQuery({
+    queryKey: ['admin-platform-credit-entries', 'mine'],
+    queryFn: () => fetchAdminPlatformCreditEntries({ pageSize: 50 }),
+  })
+  const creditAccounts = creditAccountsQuery.data?.data.items || []
+  const creditEntries = creditEntriesQuery.data?.data.items || []
+  const creditPlatforms = creditAccountsQuery.data?.data.platforms || []
+
+  /** 客服自己的三个积分钱包，按平台顺序排好。 */
+  const myCreditWallets = creditPlatforms.map((platform) => {
+    const found = creditAccounts.find((item) => item.platformKey === platform.key)
+    return {
+      platform,
+      balanceQuantity: found?.balanceQuantity ?? 0,
+      balanceAmountFen: found?.balanceAmountFen ?? 0,
+      unitName: found?.unitName ?? '积分',
+    }
+  })
+
   function refresh() {
     void queryClient.invalidateQueries({ queryKey: ['admin-fund-my'] })
     void queryClient.invalidateQueries({ queryKey: ['admin-fund-overview'] })
     void queryClient.invalidateQueries({ queryKey: ['admin-fund-accounts'] })
     void queryClient.invalidateQueries({ queryKey: ['admin-fund-expenses'] })
+    void queryClient.invalidateQueries({ queryKey: ['admin-platform-credit-accounts'] })
+    void queryClient.invalidateQueries({ queryKey: ['admin-platform-credit-entries'] })
   }
 
   function openExpense() {
@@ -216,6 +243,71 @@ export default function FundSupportView() {
     },
   ]
 
+  const creditEntryColumns: TableColumnsType<PlatformCreditEntry> = [
+    {
+      title: '平台',
+      dataIndex: 'platformKey',
+      width: 100,
+      render: (value: string, row) => (
+        <Tag color={value === 'rock' ? 'cyan' : value === 'lewan' ? 'purple' : 'blue'}>
+          {row.platformLabel}
+        </Tag>
+      ),
+    },
+    {
+      title: '类型',
+      dataIndex: 'entryType',
+      width: 80,
+      render: (value: string) => (
+        <Tag color={value === 'grant' ? 'green' : value === 'consume' ? 'red' : 'gold'}>
+          {value === 'grant'
+            ? '充值'
+            : value === 'consume'
+              ? '消耗'
+              : value === 'return'
+                ? '退回'
+                : '调整'}
+        </Tag>
+      ),
+    },
+    {
+      title: '变动',
+      dataIndex: 'quantityDelta',
+      width: 100,
+      align: 'right',
+      render: (value: number) =>
+        value > 0 ? (
+          <Typography.Text style={{ color: '#389e0d' }}>+{value}</Typography.Text>
+        ) : (
+          <Typography.Text style={{ color: '#cf1322' }}>{value}</Typography.Text>
+        ),
+    },
+    {
+      title: '余额',
+      dataIndex: 'balanceAfter',
+      width: 100,
+      align: 'right',
+    },
+    {
+      title: '折合金额',
+      dataIndex: 'amountFen',
+      width: 110,
+      align: 'right',
+      render: (value: number) => `¥${(Number(value || 0) / 100).toFixed(2)}`,
+    },
+    {
+      title: '备注',
+      dataIndex: 'note',
+      render: (value: string) => value || '-',
+    },
+    {
+      title: '时间',
+      dataIndex: 'createdAt',
+      width: 150,
+      render: (value: string) => formatAdminDateTime(value),
+    },
+  ]
+
   const expenseColumns: TableColumnsType<AdminFundExpense> = [
     {
       title: '付款时间',
@@ -281,10 +373,14 @@ export default function FundSupportView() {
   return (
     <section className="page-stack">
       <PageHeader
-        title="我的备用金"
-        description="查看当前余额、登记每一笔支出；余额由流水自动计算，不能手工修改。"
+        title="我的钱包"
+        description="四个平台钱包：南航 / 乐玩 / ROCK 积分与备用金现金。余额由流水自动计算，不能手工修改。"
         extra={
-          <Button icon={<ReloadOutlined />} loading={myQuery.isFetching} onClick={refresh}>
+          <Button
+            icon={<ReloadOutlined />}
+            loading={myQuery.isFetching || creditAccountsQuery.isFetching}
+            onClick={refresh}
+          >
             刷新
           </Button>
         }
@@ -303,124 +399,135 @@ export default function FundSupportView() {
           type="warning"
           showIcon
           message="还没有备用金账户"
-          description="请联系主管或管理员为你开通客服备用金账户。"
+          description="请联系主管或管理员为你开通客服备用金账户。平台积分钱包不受影响，可直接使用。"
         />
       ) : null}
 
-      {account ? (
-        <>
-          <Row gutter={[16, 16]}>
-            <Col xs={24} sm={12} lg={6}>
-              <Card>
-                <Statistic
-                  title="当前余额"
-                  value={account.balanceFen / 100}
-                  precision={2}
-                  prefix="￥"
-                />
-              </Card>
-            </Col>
-            <Col xs={24} sm={12} lg={6}>
-              <Card>
-                <Statistic
-                  title="本月发放"
-                  value={account.monthInFen / 100}
-                  precision={2}
-                  prefix="￥"
-                />
-              </Card>
-            </Col>
-            <Col xs={24} sm={12} lg={6}>
-              <Card>
-                <Statistic
-                  title="本月支出/缴回"
-                  value={account.monthOutFen / 100}
-                  precision={2}
-                  prefix="￥"
-                />
-              </Card>
-            </Col>
-            <Col xs={24} sm={12} lg={6}>
-              <Card>
-                <Statistic
-                  title="最近对账"
-                  value={
-                    account.lastReconciledAt
-                      ? formatAdminDateTime(account.lastReconciledAt)
-                      : '未对账'
-                  }
-                  valueStyle={{ fontSize: 18 }}
-                />
-              </Card>
-            </Col>
-          </Row>
-
+      <Row gutter={[16, 16]}>
+        {myCreditWallets.map((wallet) => (
+          <Col xs={24} sm={12} lg={6} key={wallet.platform.key}>
+            <Card>
+              <Statistic
+                title={
+                  <Space size={6}>
+                    <span>{wallet.platform.label}</span>
+                    <Tag color={wallet.platform.creditUnitPriceFen >= 100 ? 'cyan' : 'blue'}>
+                      1积分=
+                      {wallet.platform.creditUnitPriceFen >= 100 ? '1元' : '1分'}
+                    </Tag>
+                  </Space>
+                }
+                value={wallet.balanceQuantity}
+                suffix="积分"
+                valueStyle={{
+                  color: wallet.balanceQuantity > 0 ? undefined : '#999',
+                }}
+              />
+              <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+                折合 ¥{(wallet.balanceAmountFen / 100).toFixed(2)}
+              </Typography.Text>
+            </Card>
+          </Col>
+        ))}
+        <Col xs={24} sm={12} lg={6}>
           <Card>
-            <Descriptions column={2} size="small">
-              <Descriptions.Item label="账户编号">{account.accountNo}</Descriptions.Item>
-              <Descriptions.Item label="责任主管">
-                {account.responsibleSupervisorName || '-'}
-              </Descriptions.Item>
-              <Descriptions.Item label="账户状态">
-                {FUND_ACCOUNT_STATUS_LABELS[account.status] || account.status}
-              </Descriptions.Item>
-              <Descriptions.Item label="最近流水">
-                {account.lastEntryAt ? formatAdminDateTime(account.lastEntryAt) : '-'}
-              </Descriptions.Item>
-            </Descriptions>
-            <Divider />
-            <Space wrap>
-              <Button type="primary" icon={<PlusOutlined />} onClick={openExpense}>
-                登记支出
-              </Button>
-              <Button icon={<RollbackOutlined />} onClick={openReturn}>
-                缴回备用金
-              </Button>
-            </Space>
-          </Card>
-
-          <Card>
-            <Tabs
-              items={[
-                {
-                  key: 'entries',
-                  label: '资金流水',
-                  children: (
-                    <Table<AdminFundEntry>
-                      rowKey="id"
-                      size="small"
-                      columns={entryColumns}
-                      dataSource={entries}
-                      pagination={false}
-                      scroll={{ x: 900 }}
-                    />
-                  ),
-                },
-                {
-                  key: 'expenses',
-                  label: '我的支出',
-                  children: (
-                    <Table<AdminFundExpense>
-                      rowKey="id"
-                      size="small"
-                      columns={expenseColumns}
-                      dataSource={expenses}
-                      pagination={false}
-                      scroll={{ x: 1100 }}
-                    />
-                  ),
-                },
-                {
-                  key: 'platform-credits',
-                  label: '平台积分',
-                  children: <PlatformCreditPanel />,
-                },
-              ]}
+            <Statistic
+              title="备用金现金"
+              value={account ? account.balanceFen / 100 : 0}
+              precision={2}
+              prefix="￥"
+              valueStyle={{
+                color: account && account.balanceFen > 0 ? undefined : '#999',
+              }}
             />
+            <Typography.Text type="secondary" style={{ fontSize: 12 }}>
+              {account
+                ? `本月发放 ¥${(account.monthInFen / 100).toFixed(2)} · 支出/缴回 ¥${(account.monthOutFen / 100).toFixed(2)}`
+                : '尚未开通备用金账户'}
+            </Typography.Text>
           </Card>
-        </>
+        </Col>
+      </Row>
+
+      {account ? (
+        <Card>
+          <Descriptions column={2} size="small">
+            <Descriptions.Item label="账户编号">{account.accountNo}</Descriptions.Item>
+            <Descriptions.Item label="责任主管">
+              {account.responsibleSupervisorName || '-'}
+            </Descriptions.Item>
+            <Descriptions.Item label="账户状态">
+              {FUND_ACCOUNT_STATUS_LABELS[account.status] || account.status}
+            </Descriptions.Item>
+            <Descriptions.Item label="最近流水">
+              {account.lastEntryAt ? formatAdminDateTime(account.lastEntryAt) : '-'}
+            </Descriptions.Item>
+          </Descriptions>
+          <Divider />
+          <Space wrap>
+            <Button type="primary" icon={<PlusOutlined />} onClick={openExpense}>
+              登记支出
+            </Button>
+            <Button icon={<RollbackOutlined />} onClick={openReturn}>
+              缴回备用金
+            </Button>
+          </Space>
+        </Card>
       ) : null}
 
+      <Card>
+        <Tabs
+          items={[
+            {
+              key: 'credit-entries',
+              label: '积分流水',
+              children: (
+                <Table<PlatformCreditEntry>
+                  rowKey="id"
+                  size="small"
+                  columns={creditEntryColumns}
+                  dataSource={creditEntries}
+                  loading={creditEntriesQuery.isLoading}
+                  pagination={false}
+                  scroll={{ x: 900 }}
+                  locale={{ emptyText: '还没有积分流水' }}
+                />
+              ),
+            },
+            {
+              key: 'entries',
+              label: '备用金流水',
+              children: (
+                <Table<AdminFundEntry>
+                  rowKey="id"
+                  size="small"
+                  columns={entryColumns}
+                  dataSource={entries}
+                  pagination={false}
+                  scroll={{ x: 900 }}
+                  locale={{ emptyText: '还没有备用金流水' }}
+                />
+              ),
+            },
+            {
+              key: 'expenses',
+              label: '我的支出',
+              children: (
+                <Table<AdminFundExpense>
+                  rowKey="id"
+                  size="small"
+                  columns={expenseColumns}
+                  dataSource={expenses}
+                  pagination={false}
+                  scroll={{ x: 1100 }}
+                  locale={{ emptyText: '还没有支出记录' }}
+                />
+              ),
+            },
+          ]}
+        />
+      </Card>
+
       <Modal
         title="登记备用金支出"
         open={expenseOpen}