fix: policy replaces floors (not intersection)

When tenant policy exists and enabled, allow_zone_ids REPLACES
the candidate floor list entirely. Phase 3 simplified.
Bump v2.0.20

maven-cw-elevator-application/cw-elevator-application-service/src/main/java/cn/cloudwalk/elevator/person/impl/PersonRuleServiceImpl.java

@@ -208,16 +208,15 @@ public class PersonRuleServiceImpl extends AbstractAcsPassService implements Per
                 this.logger.info("UC-01：调用方未指定楼层，取被访人默认楼层为 {}", candidate);
             }
 
-            // === 阶段3：ALWAYS 查询策略，有策略且生效则求交 ===
+            // === 阶段3：ALWAYS 查询策略，有策略则以策略 allow 替代 ===
             List<String> orgIds = personResult.getOrganizationIds();
             this.logger.info("被访人所属组织 orgIds={}", orgIds);
             TenantVisitorFloorPolicyDto policy = findPolicyByOrgIds(orgIds);
             List<String> effective;
             if (policy != null) {
-                this.logger.info("找到启用策略 policyId={} orgId={} allow={}", policy.getId(), policy.getOrgId(),
-                    policy.getAllowZoneIds());
-                effective = resolveEffectiveFloors(candidate, candidate, policy, param.getPersonId());
-                this.logger.info("策略求交后最终楼层 effective={}", effective);
+                List<String> allow = parseAllowZoneIds(policy.getAllowZoneIds());
+                this.logger.info("找到启用策略 policyId={} orgId={} allow={}", policy.getId(), policy.getOrgId(), allow);
+                effective = allow;
             } else {
                 this.logger.info("未找到启用策略，使用候选楼层原值 {}", candidate);
                 effective = candidate;