feat(loyalty): implement complete loyalty module MVP

Add stamp-based and points-based loyalty programs for vendors with:

Database Models (5 tables):
- loyalty_programs: Vendor program configuration
- loyalty_cards: Customer cards with stamp/point balances
- loyalty_transactions: Immutable audit log
- staff_pins: Fraud prevention PINs (bcrypt hashed)
- apple_device_registrations: Apple Wallet push tokens

Services:
- program_service: Program CRUD and statistics
- card_service: Customer enrollment and card lookup
- stamp_service: Stamp operations with anti-fraud checks
- points_service: Points earning and redemption
- pin_service: Staff PIN management with lockout
- wallet_service: Unified wallet abstraction
- google_wallet_service: Google Wallet API integration
- apple_wallet_service: Apple Wallet .pkpass generation

API Routes:
- Admin: /api/v1/admin/loyalty/* (programs list, stats)
- Vendor: /api/v1/vendor/loyalty/* (stamp, points, cards, PINs)
- Public: /api/v1/loyalty/* (enrollment, Apple Web Service)

Anti-Fraud Features:
- Staff PIN verification (configurable per program)
- Cooldown period between stamps (default 15 min)
- Daily stamp limits (default 5/day)
- PIN lockout after failed attempts

Wallet Integration:
- Google Wallet: LoyaltyClass and LoyaltyObject management
- Apple Wallet: .pkpass generation with PKCS#7 signing
- Apple Web Service endpoints for device registration/updates

Also includes:
- Alembic migration for all tables with indexes
- Localization files (en, fr, de, lu)
- Module documentation
- Phase 2 interface and user journey plan

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

app/modules/loyalty/services/__init__.py

@@ -0,0 +1,59 @@
+# app/modules/loyalty/services/__init__.py
+"""
+Loyalty module services.
+
+Provides loyalty program management, card operations, stamp/points
+handling, and wallet integration.
+"""
+
+from app.modules.loyalty.services.program_service import (
+    ProgramService,
+    program_service,
+)
+from app.modules.loyalty.services.card_service import (
+    CardService,
+    card_service,
+)
+from app.modules.loyalty.services.stamp_service import (
+    StampService,
+    stamp_service,
+)
+from app.modules.loyalty.services.points_service import (
+    PointsService,
+    points_service,
+)
+from app.modules.loyalty.services.pin_service import (
+    PinService,
+    pin_service,
+)
+from app.modules.loyalty.services.wallet_service import (
+    WalletService,
+    wallet_service,
+)
+from app.modules.loyalty.services.google_wallet_service import (
+    GoogleWalletService,
+    google_wallet_service,
+)
+from app.modules.loyalty.services.apple_wallet_service import (
+    AppleWalletService,
+    apple_wallet_service,
+)
+
+__all__ = [
+    "ProgramService",
+    "program_service",
+    "CardService",
+    "card_service",
+    "StampService",
+    "stamp_service",
+    "PointsService",
+    "points_service",
+    "PinService",
+    "pin_service",
+    "WalletService",
+    "wallet_service",
+    "GoogleWalletService",
+    "google_wallet_service",
+    "AppleWalletService",
+    "apple_wallet_service",
+]