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/confirm/confirm.uvue

@@ -18,6 +18,7 @@
 <script setup lang="uts">
 
 	import { wanAmountValid } from '@/services/money.uts'
+	import { getSession } from '@/services/api.uts'
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import { submitAssessment } from '@/packages/finance/services/api.uts'
@@ -30,6 +31,17 @@
 	const assessmentType = ref('personal')
 	const sections = ref<InfoSection[]>([])
 	const payload = ref<UTSJSONObject>({ source: 'mobile', confirmed: false })
+    let visible = false; let generation = 0; let ownerToken = ''; let accountTimer = 0
+    const stopAccountTimer = () => { if (accountTimer != 0) clearInterval(accountTimer); accountTimer = 0 }
+    const clearView = () => { hasInput.value = false; sections.value = []; payload.value = { source: 'mobile', confirmed: false }; submitting.value = false }
+    const sameOwner = (): boolean => {
+        if (!visible) return false
+        if (ownerToken.length > 0 && getSession()?.getString('token') == ownerToken) return true
+        generation++; clearView(); clearAssessmentFlow(); stopAccountTimer()
+        if (getSession() == null) uni.redirectTo({ url: '/packages/account/login/login' })
+        else uni.showToast({ title: '账户已变化，请重新填写。', icon: 'none' })
+        return false
+    }
 	const mask = (value: string, left: number, right: number): string => { if (value.length <= left + right) return value; return value.substring(0, left) + '****' + value.substring(value.length - right) }
 	const displayValue = (saved: UTSJSONObject, key: string): string => { const value = draftText(saved, key); return value.length > 0 ? value : '未填写' }
 	const appendRow = (rows: InfoRow[], label: string, value: string) => { const row: InfoRow = { label, value }; rows.push(row) }
@@ -37,7 +49,7 @@
 	const loadInput = () => {
 		assessmentType.value = activeAssessmentType()
 		const saved = getAssessmentInput(assessmentType.value)
-		if (saved == null) { hasInput.value = false; sections.value = []; return }
+		if (saved == null) { clearView(); return }
 		hasInput.value = true
 		const enterprise = assessmentType.value == 'enterprise'
 		const basicRows: InfoRow[] = []
@@ -79,12 +91,19 @@
 		]
 		payload.value = { ...saved, source: 'mobile', confirmed: true }
 	}
-	onShow(() => loadInput())
+    onShow(() => {
+        visible = true; generation++; ownerToken = getSession()?.getString('token') ?? ''
+        loadInput(); stopAccountTimer()
+        if (sameOwner()) accountTimer = setInterval(() => { sameOwner() }, 1000)
+    })
+    onHide(() => { visible = false; generation++; stopAccountTimer(); clearView() })
     onUnload(() => {
+        visible = false; generation++; stopAccountTimer(); clearView()
         const pages = getCurrentPages()
         if (!pages.some((page): boolean => page.route == 'packages/finance/assessment/assessment')) clearAssessmentFlow()
     })
 	const edit = (step: number) => {
+        if (!sameOwner()) return
 		const input = getAssessmentInput(assessmentType.value)
         if (input != null) input['step'] = step
 		const pages = getCurrentPages()
@@ -92,6 +111,7 @@
 		else uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + assessmentType.value })
 	}
 	const submit = async () => {
+        if (!sameOwner()) return
 		if (!hasInput.value) { edit(0); return }
 		if (submitting.value) return
 		const saved = payload.value
@@ -105,14 +125,16 @@
 		const assetError = assetValidationMessage(formFromInput(saved))
 		if (assetError.length > 0) { uni.showToast({ title: assetError, icon: 'none' }); edit(2); return }
 		submitting.value = true
+        const request = ++generation
 		try {
             const id = await submitAssessment(payload.value)
+            if (request != generation || !sameOwner()) return
             clearAssessmentFlow()
             // 清空本次填写流程和页面栈；修改须重新读取最新版本，防止返回旧表单重复提交。
             uni.reLaunch({ url: '/packages/finance/analyzing/analyzing?assessmentId=' + encodeURIComponent(id) })
         }
-		catch (error) { uni.showToast({ title: error instanceof Error ? error.message : '提交失败，请重试', icon: 'none' }) }
-		finally { submitting.value = false }
+		catch (error) { if (request == generation && sameOwner()) uni.showToast({ title: error instanceof Error ? error.message : '提交失败，请重试', icon: 'none' }) }
+		finally { if (request == generation && visible) submitting.value = false }
 	}
 </script>