feat(elevator): 租户访客默认楼层策略表与 UC-01 求交

- 新增 tenant_visitor_floor_policy DDL（docs/sql）
- MyBatis：TenantVisitorFloorPolicyMapper/Dao 按 businessId 读启用策略
- PersonRuleServiceImpl.addVisitor：未传 floorIds 时组织 floorList 与 allow_zone_ids 求交；无交集 76260532；无楼层 76260531；显式 floorIds 不读表；ServiceException 原样抛出

Made-with: Cursor

docs/sql/tenant_visitor_floor_policy.sql

@@ -0,0 +1,27 @@
+-- 租户访客默认楼层策略（电梯应用库）
+-- 设计说明：docs/business/租户访客默认楼层-数据库配置阶段技术设计.md
+
+CREATE TABLE IF NOT EXISTS tenant_visitor_floor_policy (
+  id              VARCHAR(32)  NOT NULL COMMENT '主键',
+  business_id     VARCHAR(64)  NOT NULL COMMENT '机构/租户 ID',
+  policy_type     VARCHAR(32)  NOT NULL DEFAULT 'INTERSECT_ALLOWLIST' COMMENT '策略类型',
+  allow_zone_ids  TEXT         NULL COMMENT 'JSON 数组，zoneId 列表',
+  building_id     VARCHAR(64)  NULL COMMENT '预留：楼栋维度；租户默认填 NULL',
+  enabled         TINYINT(1)   NOT NULL DEFAULT 1 COMMENT '1 启用 0 停用',
+  policy_version  BIGINT       NOT NULL DEFAULT 1 COMMENT '配置版本号',
+  remark          VARCHAR(256) NULL,
+  created_by      VARCHAR(64)  NULL,
+  created_at      BIGINT       NULL,
+  updated_by      VARCHAR(64)  NULL,
+  updated_at      BIGINT       NULL,
+  PRIMARY KEY (id),
+  UNIQUE KEY uk_biz_building (business_id, building_id),
+  KEY idx_business_enabled (business_id, enabled)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COMMENT='租户访客默认楼层策略（与组织 floorList 求交）';
+
+-- 示例（实施时替换占位符后执行）
+-- INSERT INTO tenant_visitor_floor_policy
+-- (id, business_id, policy_type, allow_zone_ids, building_id, enabled, policy_version, remark, created_at, updated_at)
+-- VALUES
+-- (REPLACE(UUID(),'-',''), 'REPLACE_WITH_BUSINESS_ID', 'INTERSECT_ALLOWLIST',
+--  '["REPLACE_ZONE_A","REPLACE_ZONE_B"]', NULL, 1, 1, '实施录入', UNIX_TIMESTAMP(NOW())*1000, UNIX_TIMESTAMP(NOW())*1000);