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.

app/controllers/loyalty/customer.controller.js

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+const{Op}=require("sequelize"),db=require("../../models"),loyalty=require("../../services/loyalty/loyalty.service"),referrals=require("../../services/loyalty/referral.service");exports.summary=async(req,res,next)=>{try{const account=await db.sequelize.transaction(t=>loyalty.accountFor(req.user.id,t)),tier=account.current_tier_id&&await db.LoyaltyTier.findByPk(account.current_tier_id),next=await db.LoyaltyTier.findOne({where:{status:"ACTIVE",qualification_threshold:{[Op.gt]:account.lifetime_points_earned}},order:[["qualification_threshold","ASC"]]});res.json({success:true,data:{status:account.status,availablePoints:account.available_points,pendingPoints:account.pending_points,pointsDebt:account.points_debt,lifetimePointsEarned:account.lifetime_points_earned,tier:tier&&{code:tier.code,name:tier.name,benefits:tier.benefits_json},nextTier:next&&{name:next.name,pointsRequired:next.qualification_threshold-account.lifetime_points_earned}}});}catch(e){next(e);}};exports.history=async(req,res,next)=>{try{const account=await db.LoyaltyAccount.findOne({where:{user_id:req.user.id}});if(!account)return res.json({success:true,data:[],pagination:{page:1,total:0}});const page=Math.max(Number(req.query.page)||1,1),limit=Math.min(Number(req.query.limit)||20,100),x=await db.LoyaltyLedgerEntry.findAndCountAll({where:{loyalty_account_id:account.id},limit,offset:(page-1)*limit,order:[["occurred_at","DESC"]]});res.json({success:true,data:x.rows,pagination:{page,limit,total:x.count}});}catch(e){next(e);}};exports.tiers=async(req,res,next)=>{try{res.json({success:true,data:await db.LoyaltyTier.findAll({where:{status:"ACTIVE"},order:[["rank","ASC"]]})});}catch(e){next(e);}};exports.rewards=async(req,res,next)=>{try{res.json({success:true,data:await db.LoyaltyReward.findAll({where:{status:"ACTIVE"},order:[["points_cost","ASC"]]})});}catch(e){next(e);}};exports.redeem=async(req,res,next)=>{try{const result=await loyalty.redeem({userId:req.user.id,rewardId:req.body.rewardId,idempotencyKey:req.get("Idempotency-Key")});res.status(result.idempotent?200:201).json({success:true,data:result.redemption});}catch(e){next(e);}};exports.vouchers=async(req,res,next)=>{try{res.json({success:true,data:await db.CustomerCouponEntitlement.findAll({where:{user_id:req.user.id,status:"ACTIVE"},attributes:{exclude:["user_id"]}})});}catch(e){next(e);}};exports.referral=async(req,res,next)=>{try{res.json({success:true,data:await referrals.getOrCreate(req.user.id)});}catch(e){next(e);}};exports.claimReferral=async(req,res,next)=>{try{res.status(201).json({success:true,data:await referrals.claim({code:req.body.code,userId:req.user.id})});}catch(e){next(e);}};