fix(finance): 卡券商品补内部 SKU 规则，待分类自动分流

- 自动创建 tpv: 商品时补渠道能力和 internal_sku 规则
- 迁移 116 为已存在的卡券商品回填内部 SKU 规则
- 同内部中文 SKU 的待分类订单自动进入第三方卡券

apps/backend/src/services/cost-center/product-normalize-service.ts

@@ -182,6 +182,29 @@ async function ensureVoucherProductForItem(item: ItemRow): Promise<number | null
     [item.id, productId],
   )
 
+  await query(
+    `
+      INSERT INTO product_channel_capabilities (product_id, channel, priority, is_fallback, enabled, source)
+      VALUES ($1, 'third_party_voucher', 10, FALSE, TRUE, 'auto')
+      ON CONFLICT (product_id, channel) DO NOTHING
+    `,
+    [productId],
+  )
+
+  // 同一内部中文 SKU 跨平台码统一分流到卡券渠道。
+  await query(
+    `
+      INSERT INTO sku_channel_rules (
+        provider, shop_id, match_key_type, match_key, channel, priority,
+        source, enabled, note, created_at, updated_at
+      )
+      VALUES ('', '', 'internal_sku', $1, 'third_party_voucher', 10, 'voucher', TRUE,
+              '卡券商品自动建商品后生成', NOW(), NOW())
+      ON CONFLICT (provider, shop_id, match_key_type, match_key, channel) DO NOTHING
+    `,
+    [internalSku],
+  )
+
   const skuCode = String(item.sku_code || '').trim()
   if (skuCode) {
     await query(