feat: add wallet transfer reconcile command and schedule task

新增钱包划转对账命令行工具与定时任务，用于扫描主站与彩票侧的转账流水差异，记录掉单和异常划转单，并生成对账报告。

tests/Feature/WalletTransferReconcileCommandTest.php

@@ -0,0 +1,61 @@
+<?php
+
+use App\Models\Player;
+use App\Models\ReconcileJob;
+use App\Models\TransferOrder;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+
+uses(RefreshDatabase::class);
+
+test('wallet transfer reconcile command records missing and pending transfer discrepancies', function (): void {
+    $player = Player::query()->create([
+        'site_code' => 'main',
+        'site_player_id' => 'reconcile-1',
+        'username' => null,
+        'nickname' => null,
+        'default_currency' => 'NPR',
+        'status' => 0,
+    ]);
+
+    TransferOrder::query()->create([
+        'transfer_no' => 'TO_missing_txn',
+        'player_id' => $player->id,
+        'direction' => 'out',
+        'currency_code' => 'NPR',
+        'amount' => 300,
+        'idempotent_key' => 'reconcile-missing',
+        'status' => 'success',
+        'external_request_payload' => null,
+        'external_response_payload' => null,
+        'external_ref_no' => 'MAIN-001',
+        'fail_reason' => null,
+        'finished_at' => now(),
+    ]);
+
+    TransferOrder::query()->create([
+        'transfer_no' => 'TO_pending',
+        'player_id' => $player->id,
+        'direction' => 'out',
+        'currency_code' => 'NPR',
+        'amount' => 180,
+        'idempotent_key' => 'reconcile-pending',
+        'status' => 'pending_reconcile',
+        'external_request_payload' => null,
+        'external_response_payload' => null,
+        'external_ref_no' => null,
+        'fail_reason' => 'main_site_timeout',
+        'finished_at' => null,
+    ]);
+
+    $this->artisan('lottery:wallet-transfer-reconcile --lookback-hours=24 --stale-minutes=15 --limit=50')
+        ->assertExitCode(0);
+
+    $job = ReconcileJob::query()->where('reconcile_type', 'wallet_transfer')->latest('id')->first();
+    expect($job)->not->toBeNull()
+        ->and($job?->summary_json['item_count'] ?? null)->toBe(2)
+        ->and($job?->summary_json['mismatch_count'] ?? null)->toBe(2)
+        ->and($job?->items()->count())->toBe(2);
+
+    $statuses = $job?->items()->pluck('status')->all() ?? [];
+    expect($statuses)->toContain('missing_wallet_txn', 'pending_reconcile');
+});