feat: 优化账户切换时的页面状态一致性，增加登录回跳校验和课程阅读新逻辑

- 增加账户状态监听定时器，页面切换时自动校验账户归属，避免跨账户操作
- 新增登录回跳路径校验函数，限制仅允许指定页面回跳，防止非法跳转
- 课程页改为整篇连续阅读，底部仅一次标记已读，兼容历史记录
- 完善助手、对比页、资料填写页等多处的账户状态校验逻辑，防止错版数据提交
- 优化账户资料请求逻辑，增加版本校验，避免旧请求覆盖新数据

packages/account/profile/profile.uvue

@@ -6,7 +6,7 @@
 				<view class="profile-card" @click="openAccount"><view class="avatar"><image class="profile-avatar" :src="avatar.length > 0 ? avatar : DEFAULT_AVATAR" mode="aspectFill" @error="avatar = ''" /></view><view class="profile-main"><text class="profile-name">{{ displayName }}</text><text class="profile-phone">{{ loggedIn ? maskedPhone : '登录后管理您的融资信息' }}</text></view><text v-if="!loggedIn" class="account-state">未登录</text><AppIcon v-if="loggedIn" name="chevron-right" :size="28" /></view>
 				<view class="stat-row"><view class="stat-item" @click="startAssessment"><AppIcon name="edit-file" :size="42" /><text class="stat-label">开始评估</text></view><view class="stat-item" @click="openReport"><AppIcon name="file-text" :size="42" /><text class="stat-label">{{ reportLoading ? '正在查找…' : '最近报告' }}</text></view><view class="stat-item" @click="go('/packages/account/points/points')"><AppIcon name="points" :size="42" /><text class="stat-label">积分中心</text></view></view>
 				<view class="menu-list"><view class="menu-row" v-for="item in menus" :key="item.name" @click="open(item.key)"><AppIcon :name="item.icon" :size="46" /><text class="menu-name">{{ item.name }}</text><text v-if="item.note.length > 0" class="menu-note">{{ item.note }}</text><AppIcon name="chevron-right" :size="28" /></view></view>
-				<button class="logout" @click="logout">{{ loggedIn ? '退出登录' : '登录 / 注册' }}</button>
+				<button class="logout" :disabled="loggingOut" @click="logout">{{ loggingOut ? '退出中…' : (loggedIn ? '退出登录' : '登录 / 注册') }}</button>
 				<text class="version-note">AI融资 · 让融资更简单</text>
 			</view>
 		</scroll-view>
@@ -34,29 +34,41 @@
 	const maskedPhone = ref('')
 	const avatar = ref('')
 	const reportLoading = ref(false)
-	let profileVisible = false; let reportRequest = 0
-	onShow(() => {
-		profileVisible = true
+	const loggingOut = ref(false)
+	let profileVisible = false; let reportRequest = 0; let generation = 0; let accountTimer = 0; let ownerToken = ''; let ownerId = ''
+	const stopAccountTimer = () => { clearInterval(accountTimer); accountTimer = 0 }
+	const syncProfile = () => {
+		const request = ++generation; reportRequest++; reportLoading.value = false; loggingOut.value = false
 		const session = getSession()
+		ownerToken = session?.getString('token') ?? ''; ownerId = session?.getString('userId') ?? ''
 		loggedIn.value = session != null
 		const profile = getAccountProfile()
 		maskedPhone.value = maskPhone(profile.phone); avatar.value = loggedIn.value ? profile.avatar : ''
 		displayName.value = loggedIn.value ? profile.nickname : '登录 / 注册'
         if (loggedIn.value) fetchAccountProfile().then((fresh) => {
+            if (!profileVisible || request != generation || getSession()?.getString('token') != ownerToken || getSession()?.getString('userId') != ownerId) return
             displayName.value = fresh.nickname; avatar.value = fresh.avatar; maskedPhone.value = maskPhone(fresh.phone)
         }).catch(() => { /* 读取失败保留已归属当前账户的缓存，不显示其他账户资料。 */ })
-	})
+	}
+	const sameOwner = (): boolean => {
+		if (!profileVisible) return false
+		const session = getSession()
+		if ((session?.getString('token') ?? '') == ownerToken && (session?.getString('userId') ?? '') == ownerId) return true
+		syncProfile(); return false
+	}
+	onShow(() => { profileVisible = true; syncProfile(); stopAccountTimer(); accountTimer = setInterval(() => { sameOwner() }, 1000) })
 	const go = (url: string) => { uni.navigateTo({ url }) }
 	const startAssessment = () => {
+		if (!sameOwner()) return
 		const session = getSession()
 		if (session == null) { go('/packages/account/login/login'); return }
-		const token = session.getString('token') ?? ''
+		const view = generation
 		uni.showActionSheet({ itemList: ['个人评估', '企业评估'], success: (result) => {
-			if (profileVisible && getSession()?.getString('token') == token) go('/packages/finance/entry/entry?type=' + (result.tapIndex == 0 ? 'personal' : 'enterprise'))
+			if (view == generation && sameOwner()) go('/packages/finance/entry/entry?type=' + (result.tapIndex == 0 ? 'personal' : 'enterprise'))
 		} })
 	}
 	const openReport = async () => {
-		if (reportLoading.value) return
+		if (!sameOwner() || reportLoading.value) return
 		const session = getSession()
 		if (session == null) { go('/packages/account/login/login'); return }
 		const token = session.getString('token') ?? ''; const request = ++reportRequest
@@ -84,22 +96,29 @@
 		} finally { if (request == reportRequest) reportLoading.value = false }
 	}
 	// 离页或退出后，旧查找结果及弹窗回调不得把用户带到前一个账户的评估。
-	onHide(() => { profileVisible = false; reportRequest++; reportLoading.value = false })
-	onUnload(() => { profileVisible = false; reportRequest++; reportLoading.value = false })
+	const hideProfile = () => { profileVisible = false; generation++; reportRequest++; reportLoading.value = false; stopAccountTimer(); displayName.value = '登录 / 注册'; avatar.value = ''; maskedPhone.value = ''; loggedIn.value = false }
+	onHide(() => hideProfile())
+	onUnload(() => hideProfile())
 	const open = (key: string) => {
+		if (!sameOwner()) return
 		if (key == 'archive') go('/packages/finance/archive/archive')
 		else if (key == 'help') go('/packages/content/help/help')
 		else if (key == 'security') go(loggedIn.value ? '/packages/account/security/security' : '/packages/account/login/login')
-		else if (key == 'privacy') uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { go('/packages/finance/archive/archive') } } })
+		else if (key == 'privacy') { const view = generation; uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (view != generation || !sameOwner()) return; if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { go('/packages/finance/archive/archive') } } }) }
 		else if (key == 'about') uni.showModal({ title: '关于 AI融资', content: '版本 V1.0.0\n帮助您整理融资信息、了解融资知识与融资方案。评估结果仅供参考，不构成授信承诺。', showCancel: false, confirmText: '我知道了' })
 	}
-	const openAccount = () => { go(loggedIn.value ? '/packages/account/edit-profile/edit-profile' : '/packages/account/login/login') }
+	const openAccount = () => { if (sameOwner()) go(loggedIn.value ? '/packages/account/edit-profile/edit-profile' : '/packages/account/login/login') }
 	const logout = () => {
+		if (!sameOwner() || loggingOut.value) return
 		if (!loggedIn.value) { go('/packages/account/login/login'); return }
-        uni.showModal({ title: '退出登录', content: '将清除本机账户缓存和未提交的填写内容，已提交的评估记录不受影响。', confirmText: '退出登录', success: (result) => { if (result.confirm) {
-            logoutAccount().then(() => { uni.reLaunch({ url: '/packages/account/login/login' }) })
-                .catch(() => { uni.showToast({ title: '退出失败，请检查网络后重试', icon: 'none' }) })
-        } }, fail: (error) => { console.error('logout confirmation failed', error); uni.showToast({ title: '暂时无法打开确认框，请重试', icon: 'none' }) } })
+		const view = generation; const token = ownerToken; const userId = ownerId
+        uni.showModal({ title: '退出登录', content: '将清除本机账户缓存和未提交的填写内容，已提交的评估记录不受影响。', confirmText: '退出登录', success: (result) => {
+			if (!result.confirm || view != generation || !sameOwner() || loggingOut.value) return
+			loggingOut.value = true
+            logoutAccount().then(() => { if (profileVisible && view == generation && getSession() == null) uni.reLaunch({ url: '/packages/account/login/login' }) })
+                .catch(() => { if (profileVisible && view == generation && getSession()?.getString('token') == token && getSession()?.getString('userId') == userId) uni.showToast({ title: '退出失败，请检查网络后重试', icon: 'none' }) })
+				.finally(() => { if (view == generation) loggingOut.value = false })
+        }, fail: () => { if (view == generation && sameOwner()) uni.showToast({ title: '暂时无法打开确认框，请重试', icon: 'none' }) } })
 	}
 </script>