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/schemas/card.py

@@ -1,6 +1,11 @@
 # app/modules/loyalty/schemas/card.py
 """
 Pydantic schemas for loyalty card operations.
+
+Company-based cards:
+- Cards belong to a company's loyalty program
+- One card per customer per company
+- Can be used at any vendor within the company
 """
 
 from datetime import datetime
@@ -29,8 +34,9 @@ class CardResponse(BaseModel):
     id: int
     card_number: str
     customer_id: int
-    vendor_id: int
+    company_id: int
     program_id: int
+    enrolled_at_vendor_id: int | None = None
 
     # Stamps
     stamp_count: int
@@ -64,6 +70,9 @@ class CardDetailResponse(CardResponse):
     customer_name: str | None = None
     customer_email: str | None = None
 
+    # Company info
+    company_name: str | None = None
+
     # Program info
     program_name: str
     program_type: str
@@ -73,6 +82,7 @@ class CardDetailResponse(CardResponse):
     last_stamp_at: datetime | None = None
     last_points_at: datetime | None = None
     last_redemption_at: datetime | None = None
+    last_activity_at: datetime | None = None
 
     # Wallet URLs
     google_wallet_url: str | None = None
@@ -98,6 +108,10 @@ class CardLookupResponse(BaseModel):
     customer_name: str | None = None
     customer_email: str
 
+    # Company context
+    company_id: int
+    company_name: str | None = None
+
     # Current balances
     stamp_count: int
     stamps_target: int
@@ -108,6 +122,9 @@ class CardLookupResponse(BaseModel):
     can_redeem_stamps: bool = False
     stamp_reward_description: str | None = None
 
+    # Available points rewards
+    available_rewards: list[dict] = []
+
     # Cooldown status
     can_stamp: bool = True
     cooldown_ends_at: datetime | None = None
@@ -116,3 +133,44 @@ class CardLookupResponse(BaseModel):
     stamps_today: int = 0
     max_daily_stamps: int = 5
     can_earn_more_stamps: bool = True
+
+
+class TransactionResponse(BaseModel):
+    """Schema for a loyalty transaction."""
+
+    model_config = ConfigDict(from_attributes=True)
+
+    id: int
+    card_id: int
+    vendor_id: int | None = None
+    vendor_name: str | None = None
+    transaction_type: str
+
+    # Deltas
+    stamps_delta: int = 0
+    points_delta: int = 0
+
+    # Balances after
+    stamps_balance_after: int | None = None
+    points_balance_after: int | None = None
+
+    # Context
+    purchase_amount_cents: int | None = None
+    order_reference: str | None = None
+    reward_id: str | None = None
+    reward_description: str | None = None
+    notes: str | None = None
+
+    # Staff
+    staff_name: str | None = None
+
+    # Timestamps
+    transaction_at: datetime
+    created_at: datetime
+
+
+class TransactionListResponse(BaseModel):
+    """Schema for listing transactions."""
+
+    transactions: list[TransactionResponse]
+    total: int