feat(web): 工作台 AI 模式报销预审与文档查询模型拆分

- 新增 aiApplicationPrecheckModel/aiDocumentQueryModel/aiApplicationPreviewActions/aiConversationHtmlRenderer 四个独立模型与服务，按职责从主组件拆出
- PersonalWorkbenchAiMode 接入拆分后的预审、文档查询与 HTML 渲染逻辑，配合 markdown 工具增强结构化展示
- 文档中心与归档筛选、风险可见性、申请预览等工具同步适配，补充对应单元测试
- 新增 AI 文档卡片背景资源

web/src/services/aiApplicationPreviewActions.js

@@ -0,0 +1,136 @@
+import { runOrchestrator } from './orchestrator.js'
+import {
+  buildApplicationPreviewRows,
+  buildApplicationPreviewSubmitText,
+  normalizeApplicationPreview
+} from '../utils/expenseApplicationPreview.js'
+
+export const AI_APPLICATION_ACTION_SAVE_DRAFT = 'ai_application_save_draft'
+export const AI_APPLICATION_ACTION_SUBMIT = 'ai_application_submit'
+
+function normalizeText(value) {
+  return String(value || '').trim()
+}
+
+function resolveUserValue(user = {}, ...keys) {
+  for (const key of keys) {
+    const value = normalizeText(user?.[key])
+    if (value) return value
+  }
+  return ''
+}
+
+function buildClientTimeContext() {
+  const now = new Date()
+  const locale =
+    typeof navigator !== 'undefined' && typeof navigator.language === 'string'
+      ? navigator.language
+      : 'zh-CN'
+
+  return {
+    client_now_iso: now.toISOString(),
+    client_timezone_offset_minutes: now.getTimezoneOffset(),
+    client_locale: locale
+  }
+}
+
+function buildApplicationPreviewSaveText(preview = {}) {
+  const rows = buildApplicationPreviewRows(preview)
+  return [
+    '费用申请保存草稿',
+    ...rows.map((row) => `${row.label}：${row.value}`),
+    '',
+    '保存草稿'
+  ].join('\n')
+}
+
+export function buildAiApplicationPreviewActionText(actionType, preview = {}) {
+  const normalized = normalizeApplicationPreview(preview)
+  return actionType === AI_APPLICATION_ACTION_SUBMIT
+    ? buildApplicationPreviewSubmitText(normalized)
+    : buildApplicationPreviewSaveText(normalized)
+}
+
+export function buildAiApplicationPreviewActionPayload({
+  actionType,
+  applicationPreview,
+  currentUser = {},
+  conversationId = '',
+  draftPayload = null
+} = {}) {
+  const normalizedPreview = normalizeApplicationPreview(applicationPreview || {})
+  const message = buildAiApplicationPreviewActionText(actionType, normalizedPreview)
+  const username = resolveUserValue(currentUser, 'username', 'account', 'email', 'name') || 'anonymous'
+  const name = resolveUserValue(currentUser, 'name', 'username')
+  const employeeNo = resolveUserValue(currentUser, 'employeeNo', 'employee_no')
+  const managerName = resolveUserValue(currentUser, 'managerName', 'manager_name', 'directManagerName', 'direct_manager_name')
+  const departmentName = resolveUserValue(currentUser, 'departmentName', 'department_name', 'department')
+  const position = resolveUserValue(currentUser, 'position', 'employeePosition', 'employee_position')
+  const grade = resolveUserValue(currentUser, 'grade', 'employeeGrade', 'employee_grade')
+  const roleCodes = Array.isArray(currentUser.roleCodes)
+    ? currentUser.roleCodes.map((item) => normalizeText(item)).filter(Boolean)
+    : []
+  const draftClaimId = normalizeText(draftPayload?.claim_id || draftPayload?.claimId)
+  const isSubmit = actionType === AI_APPLICATION_ACTION_SUBMIT
+
+  return {
+    source: 'user_message',
+    user_id: username,
+    conversation_id: normalizeText(conversationId) || null,
+    message,
+    context_json: {
+      role_codes: roleCodes,
+      is_admin: Boolean(currentUser.isAdmin),
+      name,
+      role: resolveUserValue(currentUser, 'role'),
+      department: departmentName,
+      department_name: departmentName,
+      position,
+      employee_position: position,
+      employeePosition: position,
+      grade,
+      employee_grade: grade,
+      employeeGrade: grade,
+      employee_no: employeeNo,
+      employeeNo,
+      manager_name: managerName,
+      managerName,
+      direct_manager_name: managerName,
+      directManagerName: managerName,
+      cost_center: resolveUserValue(currentUser, 'costCenter', 'cost_center'),
+      finance_owner_name: resolveUserValue(currentUser, 'financeOwnerName', 'finance_owner_name'),
+      ...buildClientTimeContext(),
+      session_type: 'application',
+      entry_source: 'workbench_ai_inline',
+      source: 'workbench',
+      document_type: 'expense_application',
+      application_stage: 'expense_application',
+      user_input_text: message,
+      application_preview: normalizedPreview,
+      ...(isSubmit
+        ? {}
+        : {
+            application_action: 'save_draft',
+            application_save_mode: true
+          }),
+      ...(draftClaimId
+        ? {
+            application_edit_claim_id: draftClaimId,
+            draft_claim_id: draftClaimId,
+            selected_claim_id: draftClaimId,
+            application_edit_mode: true
+          }
+        : {})
+    }
+  }
+}
+
+export function runAiApplicationPreviewAction(params = {}, options = {}) {
+  return runOrchestrator(buildAiApplicationPreviewActionPayload(params), {
+    timeoutMs: params.actionType === AI_APPLICATION_ACTION_SUBMIT ? 120000 : 75000,
+    timeoutMessage: params.actionType === AI_APPLICATION_ACTION_SUBMIT
+      ? '申请提交处理超时，请稍后重试。'
+      : '申请草稿保存超时，请稍后重试。',
+    ...options
+  })
+}