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

services/api.uts

@@ -1,56 +1,77 @@
 /** Shared request, configuration and session infrastructure. */
-export const API_BASE_URL = ''
+import { API_BASE_URL, APP_ENVIRONMENT } from './config.uts'
+export { API_BASE_URL, API_DEMO_ENABLED } from './config.uts'
 const REQUEST_TIMEOUT = 10000
 const SESSION_KEY = 'aiFinanceSession'
 
-const wait = (duration: number) => new Promise<void>((resolve) => {
-	setTimeout(() => resolve(), duration)
-})
+const wait = (duration: number) => new Promise<void>((resolve) => { setTimeout(() => resolve(), duration) })
 
-export function saveSession(token: string, phone: string): void {
-	uni.setStorageSync(SESSION_KEY, { token, phone, loggedInAt: Date.now() })
+export function saveSession(token: string, phone: string, userId: string, expiresAt: string): void {
+    if (token.length == 0 || userId.length == 0 || expiresAt.length == 0) throw new Error('登录响应不完整')
+    const expiry = Date.parse(expiresAt)
+    if (isNaN(expiry) || expiry <= Date.now()) throw new Error('登录凭证已过期')
+    uni.setStorageSync(SESSION_KEY, { token, phone, userId, expiresAt, loggedInAt: Date.now() })
 }
 
 export function getSession(): UTSJSONObject | null {
-	const value = uni.getStorageSync(SESSION_KEY)
-	if (value == null || typeof value != 'object') return null
-	return value as UTSJSONObject
+    const value = uni.getStorageSync(SESSION_KEY)
+    if (value == null || typeof value != 'object') return null
+    const session = value as UTSJSONObject
+    const token = session['token'] as string | null
+    const userId = session['userId'] as string | null
+    const expiresAt = session['expiresAt'] as string | null
+    if (token == null || userId == null || expiresAt == null || token.length == 0 || userId.length == 0 || token.startsWith('demo-')) {
+        uni.removeStorageSync(SESSION_KEY)
+        return null
+    }
+    const expiry = Date.parse(expiresAt)
+    if (isNaN(expiry) || expiry <= Date.now()) { uni.removeStorageSync(SESSION_KEY); return null }
+    return session
 }
 
-export function isLoggedIn(): boolean {
-	return getSession() != null
-}
-
-export function clearSession(): void {
-	uni.removeStorageSync(SESSION_KEY)
-}
+export function isLoggedIn(): boolean { return getSession() != null }
+export function clearSession(): void { uni.removeStorageSync(SESSION_KEY) }
+const currentToken = (): string => { const session = getSession(); return session == null ? '' : session['token'] as string }
 
 const apiMessage = (error: any | null, fallback: string): string => {
-	if (error == null) return fallback
-	const text = error.toString()
-	return text.length > 0 ? text : fallback
+    if (error == null) return fallback
+    if (error instanceof Error) return error.message
+    const text = error.toString()
+    return text.length > 0 ? text : fallback
 }
 
 const requestJson = (path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> => {
-	return new Promise<UTSJSONObject>((resolve, reject) => {
-		uni.request({
-			url: API_BASE_URL + path,
-			method,
-			data: payload,
-			timeout: REQUEST_TIMEOUT,
-			success: (response) => {
-				if (response.statusCode >= 200 && response.statusCode < 300) {
-					if (response.data == null) resolve(new UTSJSONObject())
-					else resolve(response.data as UTSJSONObject)
-				} else {
-					reject('请求失败（' + response.statusCode.toString() + '）')
-				}
-			},
-			fail: (error) => {
-				reject(apiMessage(error, '网络请求失败，请稍后重试'))
-			}
-		})
-	})
+    return new Promise<UTSJSONObject>((resolve, reject) => {
+        if (API_BASE_URL.length == 0 || (APP_ENVIRONMENT == 'production' && !API_BASE_URL.startsWith('https://'))) {
+            reject(new Error('服务地址尚未配置')); return
+        }
+        const sentToken = currentToken()
+        const header: UTSJSONObject = { 'Content-Type': 'application/json', 'X-Requested-With': 'XMLHttpRequest' }
+        if (sentToken.length > 0) header['Authorization'] = 'Bearer ' + sentToken
+        uni.request({
+            url: API_BASE_URL + path, method, data: payload, header, timeout: REQUEST_TIMEOUT,
+            success: (response) => {
+                // 旧请求不得覆盖刚登录的另一账户，也不能因旧401清除新会话。
+                if (currentToken() != sentToken) { reject(new Error('登录状态已变化，请重新操作')); return }
+                if (response.statusCode == 401 && sentToken.length > 0) clearSession()
+                if (response.data == null || typeof response.data != 'object') {
+                    reject(new Error('服务响应格式错误')); return
+                }
+                const body = response.data as UTSJSONObject
+                const code = body['code'] as number | null
+                const message = body['msg'] as string | null
+                if (response.statusCode < 200 || response.statusCode >= 300 || code != 1) {
+                    if (code == 401 && sentToken.length > 0) clearSession()
+                    reject(new Error(message != null && message.length > 0 ? message : '请求失败，请稍后重试')); return
+                }
+                const data = body['data']
+                if (data == null) resolve(new UTSJSONObject())
+                else if (typeof data == 'object') resolve(data as UTSJSONObject)
+                else reject(new Error('服务响应数据格式错误'))
+            },
+            fail: () => { reject(new Error('网络连接失败，请稍后重试')) }
+        })
+    })
 }
 
 export { apiMessage, requestJson, wait }

services/assessment.uts

@@ -1,3 +1,6 @@
+import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+import { wanAmountValid, yuanToWan, wanToYuan } from './money.uts'
+
 export type AssessmentForm = {
 	name: string, idCard: string, phone: string, city: string, maritalStatus: string,
 	occupation: string, company: string, monthlyIncome: string, socialSecurity: string,
@@ -17,22 +20,41 @@ export function draftText(saved: UTSJSONObject, key: string): string {
 	return typeof value == 'string' ? value as string : ''
 }
 export function activeAssessmentType(): string {
-	const type = uni.getStorageSync('assessmentActiveType')
+	const type = getUserStorage('assessmentActiveType')
 	if (type == 'enterprise' || type == 'personal') return type as string
-	const legacy = uni.getStorageSync('assessmentDraft')
+	const legacy = getUserStorage('assessmentDraft')
 	if (legacy != null && typeof legacy == 'object' && draftText(legacy as UTSJSONObject, 'type') == 'enterprise') return 'enterprise'
 	return 'personal'
 }
 export function loadAssessmentDraft(type: string): UTSJSONObject | null {
-	const scoped = uni.getStorageSync('assessmentDraft:' + type)
-	if (scoped != null && typeof scoped == 'object') return scoped as UTSJSONObject
-	const legacy = uni.getStorageSync('assessmentDraft')
+	const scoped = getUserStorage('assessmentDraft:' + type)
+	if (scoped != null && typeof scoped == 'object') return normalizeAssessmentDraft(scoped as UTSJSONObject)
+	const legacy = getUserStorage('assessmentDraft')
 	if (legacy != null && typeof legacy == 'object') {
 		const saved = legacy as UTSJSONObject
-		if (draftText(saved, 'type') == type) return saved
+		if (draftText(saved, 'type') == type) return normalizeAssessmentDraft(saved)
 	}
 	return null
 }
+export function normalizeAssessmentDraft(saved: UTSJSONObject): UTSJSONObject {
+	if (saved['moneyUnit'] == 'wan') return saved
+	const result: UTSJSONObject = { ...saved, moneyUnit: 'wan', draftVersion: 2 }
+	// 老草稿只有年营收以万元保存，其余金额均为元；只转换一次。
+	const keys = ['monthlyIncome', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
+	if (saved['moneyUnit'] == 'yuan') keys.push('annualRevenue')
+	keys.forEach((key) => { result[key] = yuanToWan(draftText(saved, key)) })
+	return result
+}
+export function assessmentApiPayload(saved: UTSJSONObject): UTSJSONObject {
+	const normalized = normalizeAssessmentDraft(saved)
+	const result: UTSJSONObject = { ...normalized, moneyUnit: 'yuan' }
+	const keys = ['annualRevenue', 'monthlyIncome', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
+	keys.forEach((key) => {
+		const value = draftText(normalized, key)
+		result[key] = value.length > 0 ? wanToYuan(value) : ''
+	})
+	return result
+}
 export function formFromDraft(saved: UTSJSONObject): AssessmentForm {
 	return {
 		name: draftText(saved, 'name'), idCard: draftText(saved, 'idCard'), phone: draftText(saved, 'phone'), city: draftText(saved, 'city'), maritalStatus: draftText(saved, 'maritalStatus'),
@@ -59,7 +81,7 @@ export function assetValidationMessage(form: AssessmentForm): string {
 	const amounts = [form.totalDebtBalance, form.monthlyLoanPayment, form.creditCardTotalLimit, form.creditCardUsedLimit]
 	const amountLabels = ['欠款总余额', '贷款月还款金额', '总额度', '已使用总额度']
 	for (let i = 0; i < amounts.length; i++) {
-		if (amounts[i].length > 0 && !/^[0-9]{1,12}([.][0-9]{1,2})?$/.test(amounts[i])) return amountLabels[i] + '请输入有效金额，最多两位小数'
+		if (amounts[i].length > 0 && !wanAmountValid(amounts[i])) return amountLabels[i] + '范围为 0–99999.999999 万元，最多六位小数'
 	}
 	return ''
 }
@@ -77,7 +99,7 @@ export function saveAssessmentDraft(type: string, step: number, form: Assessment
 	const files: UTSJSONObject[] = documents.map((item): UTSJSONObject => ({ name: item.name, path: item.path }))
 	const grants: string[] = authorizations.filter((item) => item.selected).map((item) => item.key)
 	const payload: UTSJSONObject = {
-		type, step, name: form.name, idCard: form.idCard, phone: form.phone, city: form.city, maritalStatus: form.maritalStatus,
+		type, step, moneyUnit: 'wan', draftVersion: 2, name: form.name, idCard: form.idCard, phone: form.phone, city: form.city, maritalStatus: form.maritalStatus,
 		occupation: form.occupation, company: form.company, monthlyIncome: form.monthlyIncome, socialSecurity: form.socialSecurity, housingFund: form.housingFund,
 		house: form.house, car: form.car, savings: form.savings, creditCard: form.creditCard, otherAssets: form.otherAssets,
 		creditLoanCount: form.creditLoanCount, totalDebtBalance: form.totalDebtBalance, monthlyLoanPayment: form.monthlyLoanPayment,
@@ -85,10 +107,10 @@ export function saveAssessmentDraft(type: string, step: number, form: Assessment
 		enterpriseName: form.enterpriseName, businessCode: form.businessCode, annualRevenue: form.annualRevenue, operatingYears: form.operatingYears,
 		documents: files, authorizations: grants, documentConsent, dataConsent
 	}
-	uni.setStorageSync('assessmentActiveType', type)
-	uni.setStorageSync('assessmentDraft:' + type, payload)
+	setUserStorage('assessmentActiveType', type)
+	setUserStorage('assessmentDraft:' + type, payload)
 	// 保留现有提交与档案入口读取的活动草稿。
-	uni.setStorageSync('assessmentDraft', payload)
+	setUserStorage('assessmentDraft', payload)
 }
 export function showAgreementNotice(title: string): void {
 	uni.showModal({ title, content: '完整协议将在相关服务开放时提供。当前勾选仅保存您的选择，不会发起实名认证、查询外部数据或上传资料。', showCancel: false, confirmText: '我知道了' })

services/config.uts

@@ -0,0 +1,7 @@
+// 发布前选择目标环境并配置 HTTPS 地址；未配置时请求失败，不回退模拟服务。
+export const APP_ENVIRONMENT: string = 'development' as string
+const DEVELOPMENT_API_URL = 'http://127.0.0.1/api/v1'
+const TEST_API_URL = ''
+const PRODUCTION_API_URL = ''
+export const API_BASE_URL = APP_ENVIRONMENT == 'production' ? PRODUCTION_API_URL : (APP_ENVIRONMENT == 'test' ? TEST_API_URL : DEVELOPMENT_API_URL)
+export const API_DEMO_ENABLED = false

services/money.uts

@@ -0,0 +1,30 @@
+// 金额转换使用整数分，避免万元与元之间的浮点乘法误差。
+export function wanAmountValid(value: string): boolean {
+	if (!/^[0-9]{1,5}([.][0-9]{1,6})?$/.test(value)) return false
+	return wanToCents(value) <= 99999999999
+}
+
+export function wanToCents(value: string): number {
+	const parts = value.split('.')
+	const fraction = parts.length > 1 ? parts[1] : ''
+	return parseInt(parts[0]) * 1000000 + parseInt((fraction + '000000').substring(0, 6))
+}
+
+export function wanToYuan(value: string): string {
+	if (!wanAmountValid(value)) throw new Error('金额范围为 0–99999.999999 万元，最多六位小数')
+	const cents = wanToCents(value)
+	const fraction = (cents % 100).toString()
+	return Math.floor(cents / 100).toString() + '.' + (fraction.length == 1 ? '0' + fraction : fraction)
+}
+
+export function yuanToWan(value: string): string {
+	if (value.length == 0) return ''
+	if (!/^[0-9]+([.][0-9]{1,2})?$/.test(value)) return value
+	const parts = value.split('.')
+	const fraction = parts.length > 1 ? parts[1] : ''
+	const digits = parts[0] + (fraction + '00').substring(0, 2)
+	const padded = '000000' + digits
+	const whole = parseInt(padded.substring(0, padded.length - 6)).toString()
+	const decimal = padded.substring(padded.length - 6).replace(/0+$/, '')
+	return whole + (decimal.length > 0 ? '.' + decimal : '')
+}

services/storage.uts

@@ -0,0 +1,11 @@
+import { getSession } from './api.uts'
+
+// 旧的设备级缓存不自动归给新登录用户；按稳定userId隔离，匿名使用独立空间。
+export function userStorageKey(key: string): string {
+    const session = getSession()
+    const owner = session == null ? 'guest' : 'user:' + (session['userId'] as string)
+    return 'airz:v1:' + owner + ':' + key
+}
+export function getUserStorage(key: string): any | null { return uni.getStorageSync(userStorageKey(key)) }
+export function setUserStorage(key: string, value: any): void { uni.setStorageSync(userStorageKey(key), value) }
+export function removeUserStorage(key: string): void { uni.removeStorageSync(userStorageKey(key)) }