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/services/matches.uts

@@ -53,6 +53,9 @@ function productView(data: UTSJSONObject, publicMode: boolean): ProductView {
         source: text(source, 'publisher') + ' · ' + text(source, 'title'), sourceRef: text(source, 'reference').startsWith('demo:airz-') ? '产品规则档案' : text(source, 'reference'), checkedOn: text(source, 'checkedOn'), conditions }
 }
 function matchView(data: UTSJSONObject): MatchView {
+    const snapshot = data['productSnapshot'] as UTSJSONObject
+    const productId = text(data, 'productId'); const version = data.getNumber('productVersion') ?? 0
+    if (!validRecordId(productId) || text(snapshot, 'productId') != productId || version < 1 || Math.floor(version) != version || snapshot.getNumber('productVersion') != version || !['eligible','ineligible','unknown'].includes(text(data, 'eligibility')) || !['available','unavailable','unknown'].includes(text(data, 'currentAvailability'))) throw new Error('产品冻结资料不完整，请重新加载。')
     const evidence = data['evidence'] as UTSJSONObject[]
     const ai = data['aiExplanation'] as UTSJSONObject
     const explanations = (ai['reasonExplanations'] as UTSJSONObject[] | null) ?? []
@@ -78,32 +81,46 @@ function matchView(data: UTSJSONObject): MatchView {
 }
 export async function requestProductExplanation(id: string, productId: string, requestId: string, revisionId: string = ''): Promise<MatchView> {
     const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches/' + encodeURIComponent(productId) + '/explanation', 'POST', { ...revisionParams(revisionId), requestId })
-    const item = matchView(data['item'] as UTSJSONObject)
-    if ((revisionId.length > 0 && text(data, 'revisionId') != revisionId) || text(data, 'assessmentId') != id || item.id != productId) throw new Error('AI解释与本次产品不一致，请重新加载。')
-    return item
+    return detailRecord(data, id, productId, revisionId).item
 }
 export async function fetchMatchPage(id: string, group: string, cursor: string, revisionId: string = ''): Promise<MatchPage> {
     const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches', 'GET', { ...revisionParams(revisionId), eligibility: group, limit: '3', cursor })
     const matching = data['matching'] as UTSJSONObject; const status = text(matching, 'status')
-    if ((revisionId.length > 0 && text(data, 'revisionId') != revisionId) || text(data, 'assessmentId') != id) throw new Error('匹配结果与本次评估不一致，请重新加载。')
+    const resolvedRevision = text(data, 'revisionId'); const version = data.getNumber('resultVersion') ?? 0
+    if (!validRecordId(resolvedRevision) || (revisionId.length > 0 && resolvedRevision != revisionId) || text(data, 'assessmentId') != id || version < 1 || Math.floor(version) != version) throw new Error('匹配结果与本次评估不一致，请重新加载。')
+    const items = (data['items'] as UTSJSONObject[]).map((v: UTSJSONObject): MatchView => matchView(v))
+    const hasMore = data.getBoolean('hasMore') ?? false; const nextCursor = text(data, 'nextCursor')
+    const ids: string[] = []
+    items.forEach((item: MatchView) => { if (item.state != group || ids.includes(item.id)) throw new Error('匹配分组或产品编号不一致，请重新加载。'); ids.push(item.id) })
+    if (!['completed','unavailable'].includes(status) || items.length > 3 || (hasMore && (items.length == 0 || nextCursor.length == 0)) || (!hasMore && nextCursor.length > 0) || (status == 'unavailable' && (items.length > 0 || hasMore))) throw new Error('匹配分页状态不完整，请重新加载。')
+    if (status == 'completed') {
+        if (text(matching, 'catalogSnapshotId').length == 0 || text(matching, 'ruleVersion').length == 0 || text(matching, 'orderingPolicyVersion').length == 0) throw new Error('匹配快照版本不完整，请重新加载。')
+        const countKeys = ['candidateCount','ineligibleCount','unknownCount']
+        countKeys.forEach((key: string) => { const value = matching.getNumber(key); if (value == null || value < 0 || Math.floor(value) != value) throw new Error('匹配统计不完整，请重新加载。') })
+    }
     const reason = text(matching, 'reasonCode')
     const count = (key: string): string => { const v = matching.getNumber(key); return v == null ? '—' : v.toString() }
     const message = status == 'completed' ? '按本次评估时的产品条件判断，展示顺序不代表优劣。' : (reason == 'LEGACY_INPUT' ? '旧版报告未执行产品匹配，可重新评估获取新的结果。' : (reason == 'MATCH_RULES_UNPUBLISHED' ? '本次评估尚未启用产品匹配规则。' : '本次评估没有可用产品目录，未执行产品匹配。'))
-    return { assessmentId: id, revisionId: text(data, 'revisionId'), resultVersion: data.getNumber('resultVersion') ?? 0, snapshotId: text(matching, 'catalogSnapshotId'), ruleVersion: text(matching, 'ruleVersion'), orderingVersion: text(matching, 'orderingPolicyVersion'), status, message, eligible: count('candidateCount'), ineligible: count('ineligibleCount'), unknown: count('unknownCount'), items: (data['items'] as UTSJSONObject[]).map((v: UTSJSONObject): MatchView => matchView(v)), hasMore: data.getBoolean('hasMore') ?? false, cursor: text(data, 'nextCursor') }
+    return { assessmentId: id, revisionId: resolvedRevision, resultVersion: version, snapshotId: text(matching, 'catalogSnapshotId'), ruleVersion: text(matching, 'ruleVersion'), orderingVersion: text(matching, 'orderingPolicyVersion'), status, message, eligible: count('candidateCount'), ineligible: count('ineligibleCount'), unknown: count('unknownCount'), items, hasMore, cursor: nextCursor }
 }
 export async function fetchMatchDetail(id: string, productId: string, revisionId: string = ''): Promise<MatchView> {
     return (await fetchMatchDetailRecord(id, productId, revisionId)).item
 }
 export async function fetchMatchDetailRecord(id: string, productId: string, revisionId: string = ''): Promise<MatchDetail> {
     const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches/' + encodeURIComponent(productId), 'GET', revisionParams(revisionId))
+    return detailRecord(data, id, productId, revisionId)
+}
+function detailRecord(data: UTSJSONObject, id: string, productId: string, revisionId: string): MatchDetail {
     const matching = data['matching'] as UTSJSONObject
     const item = matchView(data['item'] as UTSJSONObject)
     const version = data.getNumber('resultVersion') ?? 0
     const snapshotId = text(matching, 'catalogSnapshotId')
     // URL只表达选择意图；读取后再次检查归属和冻结版本，不能用公共资料补齐失败列。
-    if ((revisionId.length > 0 && text(data, 'revisionId') != revisionId) || text(data, 'assessmentId') != id || item.id != productId || item.product.id != productId || version < 1 || snapshotId.length == 0 || text(matching, 'status') != 'completed') throw new Error('产品不属于本次冻结匹配结果，请返回重新选择。')
+    if (!validRecordId(text(data, 'revisionId')) || (revisionId.length > 0 && text(data, 'revisionId') != revisionId) || text(data, 'assessmentId') != id || item.id != productId || item.product.id != productId || version < 1 || Math.floor(version) != version || snapshotId.length == 0 || text(matching, 'ruleVersion').length == 0 || text(matching, 'orderingPolicyVersion').length == 0 || text(matching, 'status') != 'completed') throw new Error('产品不属于本次冻结匹配结果，请返回重新选择。')
     return { assessmentId: id, revisionId: text(data, 'revisionId'), resultVersion: version, snapshotId, ruleVersion: text(matching, 'ruleVersion'), orderingVersion: text(matching, 'orderingPolicyVersion'), item }
 }
 export async function fetchPublicProduct(id: string): Promise<ProductView> {
-    return productView(await requestJson('/products/' + encodeURIComponent(id), 'GET', new UTSJSONObject()), true)
+    const result = productView(await requestJson('/products/' + encodeURIComponent(id), 'GET', new UTSJSONObject()), true)
+    if (result.id != id || result.version < 1 || Math.floor(result.version) != result.version) throw new Error('产品资料与所选产品不一致，请重新加载。')
+    return result
 }