feat: CraftBank Folia 1.21.8 经济与银行核心插件初始实现

实现完整的现金/钱包、银行卡、支票、活期储蓄与定期存款系统，
实现并以 Highest 优先级注册 Vault Economy 接口，接入 PlaceholderAPI。
全程遵循 Folia 调度模型（AsyncScheduler / 实体区域线程），
数据缓存线程安全，支票兑现与定期领取做防刷处理。

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

src/main/java/com/craftbank/items/BankCardManager.java

@@ -0,0 +1,122 @@
+package com.craftbank.items;
+
+import com.craftbank.CraftBank;
+import com.craftbank.model.PlayerAccount;
+import com.craftbank.util.Text;
+import org.bukkit.Material;
+import org.bukkit.entity.Player;
+import org.bukkit.inventory.ItemStack;
+import org.bukkit.inventory.meta.ItemMeta;
+import org.bukkit.persistence.PersistentDataContainer;
+import org.bukkit.persistence.PersistentDataType;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.UUID;
+
+/**
+ * 银行卡实体物品的创建与校验。银行卡通过 PDC 绑定持卡人 UUID 与序列号,
+ * 序列号用于挂失/补办: 旧卡序列号与账户当前序列号不符即作废。
+ */
+public class BankCardManager {
+
+    private final CraftBank plugin;
+    private final Keys keys;
+
+    public BankCardManager(CraftBank plugin) {
+        this.plugin = plugin;
+        this.keys = plugin.getKeys();
+    }
+
+    /**
+     * 为玩家签发一张新银行卡, 并更新账户的有效序列号 (旧卡随之作废)。
+     */
+    public ItemStack issueCard(Player player, PlayerAccount account) {
+        long serial = System.currentTimeMillis();
+        account.setCardSerial(serial);
+        plugin.persistAsync(account);
+        return buildCard(player.getName(), player.getUniqueId(), serial);
+    }
+
+    private ItemStack buildCard(String ownerName, UUID owner, long serial) {
+        Material material = parseMaterial(plugin.getConfig().getString("Items.bank_card.material", "PAPER"), Material.PAPER);
+        ItemStack item = new ItemStack(material);
+        ItemMeta meta = item.getItemMeta();
+        if (meta == null) {
+            return item;
+        }
+
+        String name = plugin.getConfig().getString("Items.bank_card.name", "&b工艺银行 · 储蓄卡");
+        meta.setDisplayName(Text.color(name.replace("%owner%", ownerName == null ? "?" : ownerName)));
+
+        List<String> lore = new ArrayList<>();
+        for (String line : plugin.getConfig().getStringList("Items.bank_card.lore")) {
+            lore.add(Text.color(line.replace("%owner%", ownerName == null ? "?" : ownerName)));
+        }
+        meta.setLore(lore);
+
+        int cmd = plugin.getConfig().getInt("Items.bank_card.custom_model_data", 0);
+        if (cmd > 0) {
+            meta.setCustomModelData(cmd);
+        }
+
+        PersistentDataContainer pdc = meta.getPersistentDataContainer();
+        pdc.set(keys.cardOwner, PersistentDataType.STRING, owner.toString());
+        pdc.set(keys.cardSerial, PersistentDataType.LONG, serial);
+
+        item.setItemMeta(meta);
+        return item;
+    }
+
+    public boolean isCard(ItemStack item) {
+        if (item == null) {
+            return false;
+        }
+        ItemMeta meta = item.getItemMeta();
+        return meta != null && meta.getPersistentDataContainer().has(keys.cardOwner, PersistentDataType.STRING);
+    }
+
+    public UUID getOwner(ItemStack item) {
+        ItemMeta meta = item.getItemMeta();
+        if (meta == null) {
+            return null;
+        }
+        String raw = meta.getPersistentDataContainer().get(keys.cardOwner, PersistentDataType.STRING);
+        if (raw == null) {
+            return null;
+        }
+        try {
+            return UUID.fromString(raw);
+        } catch (IllegalArgumentException ex) {
+            return null;
+        }
+    }
+
+    public long getSerial(ItemStack item) {
+        ItemMeta meta = item.getItemMeta();
+        if (meta == null) {
+            return 0;
+        }
+        Long serial = meta.getPersistentDataContainer().get(keys.cardSerial, PersistentDataType.LONG);
+        return serial == null ? 0 : serial;
+    }
+
+    /** 银行卡是否仍然有效 (持卡人匹配且序列号未被挂失作废)。 */
+    public boolean isValid(ItemStack item, PlayerAccount account) {
+        if (account == null || !isCard(item)) {
+            return false;
+        }
+        UUID owner = getOwner(item);
+        return account.getUuid().equals(owner)
+                && account.hasValidCard()
+                && account.getCardSerial() == getSerial(item);
+    }
+
+    private Material parseMaterial(String name, Material def) {
+        if (name == null) {
+            return def;
+        }
+        Material m = Material.matchMaterial(name.toUpperCase());
+        return m == null ? def : m;
+    }
+}