refactor: 重构存储与接口适配，统一金额单位与会话管理

- 新增配置、存储、金额转换工具服务
- 按userId隔离本地缓存，替换旧设备级存储
- 统一移动端金额单位为万元，新增转换适配逻辑
- 重构认证与请求逻辑，支持真实后端会话
- 调整搜索、帮助、融资模块的模拟开关与数据适配
- 更新文档说明开发状态与配置规则

packages/account/services/account.uts

@@ -1,4 +1,5 @@
-import { API_BASE_URL, getSession } from '@/services/api.uts'
+import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+import { API_BASE_URL, getSession, requestJson } from '@/services/api.uts'
 import { activeAssessmentType, loadAssessmentDraft, draftText } from '@/services/assessment.uts'
 
 export type AccountProfile = { nickname: string, avatar: string, phone: string }
@@ -23,7 +24,7 @@ export function getAccountProfile(): AccountProfile {
 	const phone = session == null ? '' : draftText(session, 'phone')
 	let nickname = '融资用户'; let avatar = ''
 	if (phone.length > 0) {
-		const saved = uni.getStorageSync(profileKey(phone))
+		const saved = getUserStorage(profileKey(phone))
 		if (saved != null && typeof saved == 'object') {
 			nickname = draftText(saved as UTSJSONObject, 'nickname'); avatar = draftText(saved as UTSJSONObject, 'avatar')
 		} else {
@@ -35,19 +36,9 @@ export function getAccountProfile(): AccountProfile {
 }
 
 // 安全接口必须经过服务端认证。未配置服务时不模拟验证或修改成功。
-function accountRequest(path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> {
-	return new Promise<UTSJSONObject>((resolve, reject) => {
-		const session = requireAccount()
-		if (API_BASE_URL.length == 0) { reject(new Error('账户服务暂未开放，请稍后再试')); return }
-		uni.request({ url: API_BASE_URL + path, method, data: payload, header: { Authorization: 'Bearer ' + draftText(session, 'token') }, timeout: 10000,
-			success: (response) => {
-				if (!sameAccount(session)) { reject(new Error('登录状态已变化，请重新进入页面')); return }
-				if (response.statusCode == 401) { reject(new Error('登录已失效，请重新登录')); return }
-				if (response.statusCode < 200 || response.statusCode >= 300) { reject(new Error('操作失败，请核对信息后重试')); return }
-				resolve(response.data == null ? new UTSJSONObject() : response.data as UTSJSONObject)
-			}, fail: () => reject(new Error('网络连接失败，请稍后重试'))
-		})
-	})
+async function accountRequest(path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> {
+    requireAccount()
+    return await requestJson(path, method, payload)
 }
 export async function saveAccountProfile(nickname: string, avatar: string): Promise<void> {
 	const session = requireAccount(); const phone = draftText(session, 'phone')
@@ -55,7 +46,7 @@ export async function saveAccountProfile(nickname: string, avatar: string): Prom
 	if (name.length < 2 || name.length > 20) throw new Error('昵称请输入 2–20 个字符')
 	if (API_BASE_URL.length > 0) await accountRequest('/account/profile', 'PUT', { nickname: name, avatar })
 	if (!sameAccount(session)) throw new Error('登录状态已变化，请重新进入页面')
-	uni.setStorageSync(profileKey(phone), { nickname: name, avatar })
+	setUserStorage(profileKey(phone), { nickname: name, avatar })
 }
 export async function requestSecurityCode(purpose: string, newPhone: string): Promise<void> {
 	if (!['password', 'phone-current', 'phone-new'].includes(purpose)) throw new Error('验证码用途无效')

packages/account/services/auth.uts

@@ -1,35 +1,40 @@
-import { API_BASE_URL, wait, requestJson } from '@/services/api.uts'
-export { API_BASE_URL, saveSession } from '@/services/api.uts'
+import { API_BASE_URL, requestJson, saveSession, clearSession, getSession } from '@/services/api.uts'
+export { API_BASE_URL } from '@/services/api.uts'
+import { setUserStorage } from '@/services/storage.uts'
 
 export async function requestSmsCode(phone: string): Promise<boolean> {
-	if (API_BASE_URL.length == 0) {
-		await wait(350)
-		return phone.length == 11
-	}
-	await requestJson('/auth/sms-code', 'POST', { phone })
-	return true
+    await requestJson('/auth/sms-code', 'POST', { phone, purpose: 'login' })
+    return true
+}
+
+function acceptSession(result: UTSJSONObject, phone: string): string {
+    const token = result['token'] as string | null
+    const userId = result['userId'] as string | null
+    const expiresAt = result['expiresAt'] as string | null
+    if (token == null || userId == null || expiresAt == null) throw new Error('登录响应缺少会话信息')
+    saveSession(token, phone, userId, expiresAt)
+    const profile = result['profile'] as UTSJSONObject | null
+    if (profile != null) setUserStorage('finance.account.profile:' + phone, { nickname: profile['nickname'], avatar: profile['avatarUrl'] ?? '' })
+    return token
 }
 
 export async function loginWithSms(phone: string, code: string): Promise<string> {
-	if (API_BASE_URL.length == 0) {
-		await wait(300)
-		if (code.length != 6) throw new Error('验证码应为 6 位数字')
-		return 'demo-sms-token'
-	}
-	const result = await requestJson('/auth/sms-login', 'POST', { phone, code })
-	const token = result['token'] as string | null
-	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
-	return token
+    return acceptSession(await requestJson('/auth/sms-login', 'POST', { phone, code }), phone)
 }
 
 export async function loginWithPassword(phone: string, password: string): Promise<string> {
-	if (API_BASE_URL.length == 0) {
-		await wait(300)
-		return 'demo-password-token'
-	}
-	const result = await requestJson('/auth/password-login', 'POST', { phone, password })
-	const token = result['token'] as string | null
-	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
-	return token
+    return acceptSession(await requestJson('/auth/password-login', 'POST', { phone, password }), phone)
 }
 
+export async function logoutAccount(): Promise<void> {
+    const session = getSession()
+    if (session == null) { clearSession(); return }
+    try {
+        await requestJson('/auth/logout', 'POST', {})
+    } catch (error) {
+        // 401已清理会话，视为退出完成；网络失败保留会话以便重试撤销。
+        if (getSession() != null) throw error
+    }
+    const current = getSession()
+    if (current == null || current['token'] == session['token']) clearSession()
+}