feat(store): v4.0.18 门店多收款账户与子账号继承二维码

C 端门店列表拼接省市区县地址；门店多银行账户与默认打款账户；子账号独立 sa_ 关联码及统计维度；同步 v4.0.18 开发文档。

Co-authored-by: Cursor <cursoragent@cursor.com>

server/dukang-api/prisma/schema.prisma

@@ -1278,6 +1278,7 @@ model PartnerAccount {
   stores           Store[]
   bills            PartnerBill[]
   assocUsers       User[]               @relation("UserPartnerAssoc")
+  assocSubUsers    User[]               @relation("UserSubAccountAssoc")
   userNotes        PartnerUserNote[]
   assocQrcodeResource CommonResource?   @relation("PartnerAssocQrcode", fields: [assocQrcodeResourceId], references: [id], onDelete: SetNull)
   activityPoster      ActivityPoster?   @relation(fields: [activityPosterId], references: [id], onDelete: SetNull)
@@ -1457,6 +1458,7 @@ model User {
   sourceLabel      String?        @map("source_label") @db.VarChar(128)
   referrerUserId   BigInt?        @map("referrer_user_id") @db.UnsignedBigInt
   assocPartnerAccountId BigInt?   @map("assoc_partner_account_id") @db.UnsignedBigInt
+  assocSubAccountId     BigInt?   @map("assoc_sub_account_id") @db.UnsignedBigInt
   assocBoundAt     DateTime?      @map("assoc_bound_at") @db.DateTime(3)
   createdAt        DateTime       @default(now()) @map("created_at") @db.DateTime(3)
   updatedAt        DateTime       @updatedAt @map("updated_at") @db.DateTime(3)
@@ -1466,6 +1468,7 @@ model User {
   referrer       User?                @relation("UserReferrer", fields: [referrerUserId], references: [id], onDelete: SetNull)
   referrers      User[]               @relation("UserReferrer")
   assocPartner   PartnerAccount?      @relation("UserPartnerAssoc", fields: [assocPartnerAccountId], references: [id], onDelete: SetNull)
+  assocSubAccount PartnerAccount?     @relation("UserSubAccountAssoc", fields: [assocSubAccountId], references: [id], onDelete: SetNull)
   partnerNotes   PartnerUserNote[]
   avatar         CommonResource?      @relation("UserAvatar", fields: [avatarResourceId], references: [id], onDelete: SetNull)
   addresses      UserAddress[]
@@ -1482,6 +1485,7 @@ model User {
   @@index([sourceType, sourceRefId])
   @@index([referrerUserId])
   @@index([assocPartnerAccountId])
+  @@index([assocSubAccountId])
   @@index([mergedIntoUserId])
   @@index([wxOpenId])
   @@index([isTest])
@@ -1598,6 +1602,7 @@ model Store {
   packageChangeRequests StorePackageChangeRequest[]
   infoChangeRequests    StoreInfoChangeRequest[]
   categoryLinks        StoreCategoryLink[]
+  bankAccounts         StoreBankAccount[]
 
   @@index([cityId, status])
   @@index([partnerAccountId])
@@ -1607,6 +1612,25 @@ model Store {
   @@map("store_store")
 }
 
+/// 门店收款银行账户（一个门店可维护多个，is_default 为打款默认账户）
+model StoreBankAccount {
+  id              BigInt        @id @default(autoincrement()) @db.UnsignedBigInt
+  storeId         BigInt        @map("store_id") @db.UnsignedBigInt
+  bankAccountName String        @map("bank_account_name") @db.VarChar(64)
+  bankAccountNo   String        @map("bank_account_no") @db.VarChar(32)
+  bankBranch      String?       @map("bank_branch") @db.VarChar(128)
+  isDefault       Int           @default(0) @map("is_default") @db.TinyInt
+  status          AccountStatus @default(ACTIVE)
+  sortOrder       Int           @default(0) @map("sort_order")
+  createdAt       DateTime      @default(now()) @map("created_at") @db.DateTime(3)
+  updatedAt       DateTime      @updatedAt @map("updated_at") @db.DateTime(3)
+
+  store Store @relation(fields: [storeId], references: [id], onDelete: Cascade)
+
+  @@index([storeId, status])
+  @@map("store_bank_account")
+}
+
 /// Store visibility whitelist phones (match by bound user phone)
 model StoreVisibilityPhone {
   id        BigInt   @id @default(autoincrement()) @db.UnsignedBigInt