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/finance/compare/compare.uvue

@@ -76,6 +76,21 @@
     // 首屏并排展示短参数；长证据保留原宽表，展开后读取完整内容，不截断判断依据。
     const overviewRows: CompareRow[] = [{ id: 'state', label: '匹配状态', height: 0 }, { id: 'amount', label: '额度范围', height: 0 }, { id: 'term', label: '期限范围', height: 0 }, { id: 'rate', label: '年化利率', height: 0 }]
     let visible = false; let generation = 0
+    let owner = ''; let accountTimer = 0; let frozenDetail: MatchDetail | null = null
+    const stopAccountTimer = () => { if (accountTimer != 0) clearInterval(accountTimer); accountTimer = 0 }
+    const login = () => { uni.redirectTo({ url: '/packages/account/login/login?resumeMatch=1&matchPage=compare' + compareQuery(assessmentId.value, ids.value, revisionId.value).replace('?', '&') }) }
+    const current = (request: number, token: string): boolean => {
+        if (!visible || request != generation) return false
+        if (getSession()?.getString('token') == token) return true
+        generation++; columns.value = []; frozenDetail = null; detailsOpen.value = false; stopAccountTimer()
+        if (getSession() == null) login(); else { ids.value = []; routeError.value = '账户已切换，请返回本次匹配重新读取。' }
+        return false
+    }
+    const updateUrl = () => {
+        // #ifdef WEB
+        history.replaceState(history.state, '', location.pathname + location.search + '#/packages/finance/compare/compare' + compareQuery(assessmentId.value, ids.value, revisionId.value))
+        // #endif
+    }
     const rows: CompareRow[] = [
         { id: 'availability', label: '当前状态', height: 160 },
         { id: 'amount', label: '额度范围', height: 120 }, { id: 'term', label: '期限范围', height: 120 }, { id: 'rate', label: '年化利率', height: 120 },
@@ -121,40 +136,41 @@
         return '未提供'
     }
     const loadColumn = async (id: string) => {
+        if (!current(generation, owner)) return
         const column = columns.value.find((c: CompareColumn): boolean => c.id == id)
         if (column == null || column.loading) return
         const session = getSession()
-        if (session == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }
+        if (session == null) { login(); return }
         const token = session.getString('token') ?? ''; const request = generation
         column.loading = true; column.error = ''; column.data = null
         try {
             const result = await fetchMatchDetailRecord(assessmentId.value, id, revisionId.value)
-            if (visible && request == generation && getSession()?.getString('token') == token) { if (revisionId.value.length == 0) revisionId.value = result.revisionId; if (revisionId.value != result.revisionId) throw new Error('评估版本已变化，请重新加载对比。'); column.data = result }
+            if (!current(request, token)) return
+            if (revisionId.value.length > 0 && revisionId.value != result.revisionId) throw new Error('评估版本已变化，请重新加载对比。')
+            if (frozenDetail != null && !sameMatchSnapshot(frozenDetail!, result)) throw new Error('冻结结果版本不一致，请重试或返回重新选择。')
+            if (frozenDetail == null) frozenDetail = result
+            revisionId.value = result.revisionId; column.data = result
+            saveCompareSelection(assessmentId.value, ids.value, revisionId.value); updateUrl()
         } catch (err) {
-            if (!visible || request != generation) return
-            if (getSession()?.getString('token') != token) {
-                generation++; columns.value = []
-                if (getSession() == null) uni.redirectTo({ url: '/packages/account/login/login' })
-                else routeError.value = '账户已切换，请返回本次匹配重新读取。'
-                return
-            }
-            column.error = err instanceof Error ? err.message : '本列读取失败，请重试。'
+            if (current(request, token)) column.error = err instanceof Error ? err.message : '本列读取失败，请重试。'
         }
         finally { if (request == generation) column.loading = false }
     }
     const toMatches = () => {
+        if (owner.length > 0 && routeError.value.length == 0 && !current(generation, owner)) return
         if (!validRecordId(assessmentId.value)) { uni.redirectTo({ url: '/packages/finance/archive/archive' }); return }
         uni.redirectTo({ url: '/packages/finance/matches/matches' + compareQuery(assessmentId.value, ids.value, revisionId.value) })
     }
     const back = () => { if (getCurrentPages().length > 1) uni.navigateBack(); else toMatches() }
-    const consult = () => { uni.navigateTo({ url: assistantRoute(assessmentId.value, ids.value, 'compare', '', revisionId.value) }) }
+    const consult = () => { if (current(generation, owner) && complete.value) uni.navigateTo({ url: assistantRoute(assessmentId.value, ids.value, 'compare', '', revisionId.value) }); else if (routeError.value.length == 0) uni.showToast({ title: '请先读取完整对比后再咨询AI', icon: 'none' }) }
     const remove = (id: string) => {
+        if (!current(generation, owner)) return
         const next = ids.value.filter((value: string): boolean => value != id)
         saveCompareSelection(assessmentId.value, next, revisionId.value)
         // 用新路由替换当前页，使刷新/分享恢复实际选择，而不是已移除的旧ID。
         uni.redirectTo({ url: '/packages/finance/compare/compare' + compareQuery(assessmentId.value, next, revisionId.value) })
     }
-    const detail = (id: string) => { uni.navigateTo({ url: '/packages/finance/product/product' + compareQuery(assessmentId.value, ids.value, revisionId.value) + '&productId=' + id + '&tab=explanation&from=compare' }) }
+    const detail = (id: string) => { if (current(generation, owner)) uni.navigateTo({ url: '/packages/finance/product/product' + compareQuery(assessmentId.value, ids.value, revisionId.value) + '&productId=' + id + '&tab=explanation&from=compare' }) }
     onLoad((options) => {
         revisionId.value = options?.['revisionId'] ?? '';
         if (revisionId.value.length > 0 && !validRecordId(revisionId.value)) routeError.value = '版本编号无效，请返回重新选择。'
@@ -164,15 +180,17 @@
         catch (err) { routeError.value = err instanceof Error ? err.message : '对比参数无效' }
     })
     onShow(() => {
-        visible = true; generation++
+        visible = true; generation++; stopAccountTimer(); frozenDetail = null
         if (routeError.value.length > 0) return
-        if (getSession() == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }
+        if (getSession() == null) { login(); return }
+        owner = getSession()?.getString('token') ?? ''
+        accountTimer = setInterval(() => { current(generation, owner) }, 1000)
         // 依URL顺序固定列位；仅最多三个详情请求并行，单列失败不影响其他列。
         columns.value = ids.value.map((id: string): CompareColumn => { return { id, loading: false, error: '', data: null } })
         ids.value.forEach((id: string) => { loadColumn(id) })
     })
-    onHide(() => { visible = false; generation++; columns.value = [] })
-    onUnload(() => { visible = false; generation++; columns.value = [] })
+    onHide(() => { visible = false; stopAccountTimer(); generation++; columns.value = []; frozenDetail = null })
+    onUnload(() => { visible = false; stopAccountTimer(); generation++; columns.value = []; frozenDetail = null })
 </script>
 <style>
     .overview-table { border: 1rpx solid #dfe8f3; border-radius: 14rpx; overflow: hidden; background-color: #fff; }