feat: Implement loyalty and wholesale services with models, routes, and validation

- Added models for loyalty points allocation, redemption, rewards, tiers, tier history, and referrals.
- Created business credit ledger entries, settlements, and settlement items models.
- Developed services for loyalty operations including account management, point allocation, redemption, and referral handling.
- Implemented wholesale credit management services for transactions and settlements.
- Established routes for loyalty and wholesale admin and customer operations with appropriate middleware for authentication and permission checks.
- Introduced validation schemas for loyalty and wholesale operations.
- Set up cron jobs for loyalty reconciliation tasks such as birthday rewards and point expirations.
- Created migration scripts to set up the database schema for loyalty and wholesale features.
- Added unit tests for validation and policy enforcement in loyalty and wholesale services.

Documentation/CURRENT_BACKEND_STATUS.md

@@ -423,3 +423,6 @@ Date: 2026-09-09. Module 09 is 86%, Module 10 is 76%, and Module 13 is revised t
 ## Phase 8 Completion Update
 
 Date: 2026-09-09. Module 11 is 88%; shipments are 90%, riders 86%, assignment/dispatch 86%, tracking 88%, proof of delivery 82%, and return logistics 84%. Module 09 is revised to 90% through physical fulfillment integration. Six logistics models, a forward-only migration, explicit shipment states/actions, partial fulfillment, locked rider capacity/assignment, append-only events, proof media validation, safe tracking, and approved-return pickup were added. Automated checks pass 25 suites/123 tests with 305 JavaScript files syntax-checked. The migration was not executed. Staging must validate real InnoDB concurrency, multi-instance idempotency, proof storage, notification fan-out, permission seeding, and return handoff before production or Phase 9 rollout. Module 16 AI Customer Support Chatbot remains excluded from this backend and will be developed separately.
+## Phase 9 Completion Update
+
+Date: 2026-09-09. Module 12 is 86% and Module 13 is revised to 88%. Loyalty accounts are 92%, points ledger 90%, earning rules 86%, membership 88%, rewards/redemption 86%, referrals 82%, birthday rewards 80%, and expiry 80%. Business tiers are 84%, business credit 84%, settlements 78%, wholesale dashboard 82%, and wholesale analytics 76%. Module 07 is revised to 82% through coupon-entitlement foundations; Modules 09/10 are unchanged except for paid-event loyalty and internal-credit integration. Fourteen models, a forward-only migration, bounded cron reconciliation, new owner/admin APIs, and immutable concurrency-safe ledgers were added. Migration and real MySQL/cron/document/notification validation remain staging requirements. Module 16 AI Customer Support Chatbot remains intentionally excluded and will be developed separately.