feat(loyalty): implement Phase 2 - company-wide points system

Complete implementation of loyalty module Phase 2 features:

Database & Models:
- Add company_id to LoyaltyProgram for chain-wide loyalty
- Add company_id to LoyaltyCard for multi-location support
- Add CompanyLoyaltySettings model for admin-controlled settings
- Add points expiration, welcome bonus, and minimum redemption fields
- Add POINTS_EXPIRED, WELCOME_BONUS transaction types

Services:
- Update program_service for company-based queries
- Update card_service with enrollment and welcome bonus
- Update points_service with void_points for returns
- Update stamp_service for company context
- Update pin_service for company-wide operations

API Endpoints:
- Admin: Program listing with stats, company detail views
- Vendor: Terminal operations, card management, settings
- Storefront: Customer card/transactions, self-enrollment

UI Templates:
- Admin: Programs dashboard, company detail, settings
- Vendor: Terminal, cards list, card detail, settings, stats, enrollment
- Storefront: Dashboard, history, enrollment, success pages

Background Tasks:
- Point expiration task (daily, based on inactivity)
- Wallet sync task (hourly)

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

app/modules/loyalty/models/__init__.py

@@ -12,8 +12,10 @@ Usage:
         LoyaltyTransaction,
         StaffPin,
         AppleDeviceRegistration,
+        CompanyLoyaltySettings,
         LoyaltyType,
         TransactionType,
+        StaffPinPolicy,
     )
 """
 
@@ -41,15 +43,23 @@ from app.modules.loyalty.models.apple_device import (
     # Model
     AppleDeviceRegistration,
 )
+from app.modules.loyalty.models.company_settings import (
+    # Enums
+    StaffPinPolicy,
+    # Model
+    CompanyLoyaltySettings,
+)
 
 __all__ = [
     # Enums
     "LoyaltyType",
     "TransactionType",
+    "StaffPinPolicy",
     # Models
     "LoyaltyProgram",
     "LoyaltyCard",
     "LoyaltyTransaction",
     "StaffPin",
     "AppleDeviceRegistration",
+    "CompanyLoyaltySettings",
 ]