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/points.py

@@ -1,6 +1,11 @@
 # app/modules/loyalty/schemas/points.py
 """
 Pydantic schemas for points operations.
+
+Company-based points:
+- Points earned at any vendor count toward company total
+- Points can be redeemed at any vendor within the company
+- Supports voiding points for returns
 """
 
 from pydantic import BaseModel, Field
@@ -67,6 +72,9 @@ class PointsEarnResponse(BaseModel):
     points_balance: int
     total_points_earned: int
 
+    # Location
+    vendor_id: int | None = None
+
 
 class PointsRedeemRequest(BaseModel):
     """Schema for redeeming points for a reward."""
@@ -122,3 +130,108 @@ class PointsRedeemResponse(BaseModel):
     card_number: str
     points_balance: int
     total_points_redeemed: int
+
+    # Location
+    vendor_id: int | None = None
+
+
+class PointsVoidRequest(BaseModel):
+    """Schema for voiding points (for returns)."""
+
+    card_id: int | None = Field(
+        None,
+        description="Card ID (use this or qr_code)",
+    )
+    qr_code: str | None = Field(
+        None,
+        description="QR code data from card scan",
+    )
+    card_number: str | None = Field(
+        None,
+        description="Card number (manual entry)",
+    )
+
+    # Points to void (use one method)
+    points_to_void: int | None = Field(
+        None,
+        gt=0,
+        description="Number of points to void",
+    )
+    original_transaction_id: int | None = Field(
+        None,
+        description="ID of original transaction to void",
+    )
+    order_reference: str | None = Field(
+        None,
+        max_length=100,
+        description="Order reference to find and void",
+    )
+
+    # Authentication
+    staff_pin: str | None = Field(
+        None,
+        min_length=4,
+        max_length=6,
+        description="Staff PIN for verification",
+    )
+
+    # Required metadata
+    notes: str | None = Field(
+        None,
+        max_length=500,
+        description="Reason for voiding",
+    )
+
+
+class PointsVoidResponse(BaseModel):
+    """Schema for points void response."""
+
+    success: bool = True
+    message: str = "Points voided successfully"
+
+    # Void info
+    points_voided: int
+
+    # Card state after void
+    card_id: int
+    card_number: str
+    points_balance: int
+
+    # Location
+    vendor_id: int | None = None
+
+
+class PointsAdjustRequest(BaseModel):
+    """Schema for manual points adjustment (admin)."""
+
+    points_delta: int = Field(
+        ...,
+        description="Points to add (positive) or remove (negative)",
+    )
+    reason: str = Field(
+        ...,
+        min_length=5,
+        max_length=500,
+        description="Reason for adjustment (required)",
+    )
+    staff_pin: str | None = Field(
+        None,
+        min_length=4,
+        max_length=6,
+        description="Staff PIN for verification",
+    )
+
+
+class PointsAdjustResponse(BaseModel):
+    """Schema for points adjustment response."""
+
+    success: bool = True
+    message: str = "Points adjusted successfully"
+
+    # Adjustment info
+    points_delta: int
+
+    # Card state after adjustment
+    card_id: int
+    card_number: str
+    points_balance: int