feat(steward): 前端支持 off_topic 与引导话术

- assistantSessionScope.js：新增 ASSISTANT_SCOPE_ACTION_FILL_COMPOSER 常量
- assistantSuggestedActionPrefill.js：识别 fill_composer 与 payload.fill_text
- stewardPlanModel.js：normalizeStewardPlan 透传 suggestedPrompts；
  buildStewardPlanMessageText / buildStewardSuggestedActions
  新增 off_topic 分支，按钮填充输入框不提交
- useStewardPlanFlow.js：isPendingStewardActionMessage 排除 off_topic
- steward-plan-off-topic.test.mjs：覆盖 normalize/文案/按钮/兼容路径

web/src/utils/assistantSessionScope.js

@@ -2,6 +2,8 @@ import ontologyBusinessContract from '../../../shared/ontology_business_contract
 
 export const ASSISTANT_SCOPE_ACTION_SWITCH = 'switch_assistant_session'
 export const ASSISTANT_SCOPE_ACTION_UNSUPPORTED = 'unsupported_business_intent'
+// 点击后把 payload.fill_text 填充到输入框，不切换会话、不自动提交，交由用户编辑后自行发送。
+export const ASSISTANT_SCOPE_ACTION_FILL_COMPOSER = 'fill_composer'
 
 export const ASSISTANT_SCOPE_SESSION_APPLICATION = 'application'
 export const ASSISTANT_SCOPE_SESSION_EXPENSE = 'expense'
@@ -286,27 +288,84 @@ function shouldAllowContextualFollowUp(rawText, currentSessionType, options = {}
   )
 }
 
-function buildUnsupportedBusinessScopeText() {
+function buildUnsupportedBusinessScopeSuggestedActions(options = {}) {
-  const message = ONTOLOGY_BUSINESS_CONTRACT.unsupportedIntentMessage || {}
+  const sharedOptions = {
+    attachmentCount: options.attachmentCount || 0
+  }
+  const applicationAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_APPLICATION, '申请下周去上海出差，支撑客户系统上线', sharedOptions)
+  const expenseAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_EXPENSE, '我要报销昨天的交通费', sharedOptions)
+  const knowledgeAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_KNOWLEDGE, '差旅住宿标准是多少', sharedOptions)
+  const approvalAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_APPROVAL, '帮我查询待我审核的单据', sharedOptions)
+
   return [
-    message.title || '此意图系统不支持。',
+    { ...applicationAction, label: '去申请助手', description: '发起费用申请和事前审批' },
-    '',
+    { ...expenseAction, label: '去报销助手', description: '继续处理报销和票据' },
-    `当前系统支持的业务范围：${SUPPORTED_BUSINESS_SCOPE_TEXT.join('、')}。`,
+    { ...knowledgeAction, label: '去知识助手', description: '查看标准和流程规则' },
-    '',
+    { ...approvalAction, label: '去审核助手', description: '查看待审单据和风险' }
-    message.body || '你这条内容没有识别到相关财务业务意图，系统暂不支持处理。',
+  ]
-    '',
-    message.retryHint || '请重新描述你的财务业务要求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。'
-  ].join('\n')
 }
 
-function buildUnsupportedBusinessScopeGuard() {
+function buildUnsupportedBusinessScopeText(rawText, options = {}) {
+  const message = ONTOLOGY_BUSINESS_CONTRACT.unsupportedIntentMessage || {}
+  const text = String(rawText || '').trim()
+  const intro = text
+    ? `**小财管家暂时不处理「${text}」这类内容。**`
+    : `**${message.title || '此意图系统不支持。'}**`
+  const attachmentHint = options.attachmentCount
+    ? '你刚刚上传的附件我会先保留，切换到合适场景后可以继续使用。'
+    : ''
+  return [
+    intro,
+    '',
+    '### 当前可继续的场景',
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[0] || '费用申请/事前审批'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[1] || '报销与票据识别'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[3] || '财务制度、报销标准和流程规则问答'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[4] || '预算、应收、应付等财务经营查询'}`,
+    '',
+    message.body || '这条内容没有识别到当前系统支持的财务业务意图，暂时不能继续处理。',
+    attachmentHint,
+    '你可以直接点下面的场景继续，或者重新描述你的财务业务需求。',
+    '',
+    message.retryHint || '请重新描述你的财务业务要求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。'
+  ].filter(Boolean).join('\n')
+}
+
+export function buildUnsupportedBusinessScopeConversation(rawText, options = {}) {
+  const suggestedActions = buildUnsupportedBusinessScopeSuggestedActions(options)
+  return {
+    state_json: {
+      session_type: ASSISTANT_SCOPE_SESSION_STEWARD
+    },
+    messages: [
+      {
+        id: 'unsupported-business-intent',
+        role: 'assistant',
+        content: buildUnsupportedBusinessScopeText(rawText, options),
+        created_at: new Date().toISOString(),
+        message_json: {
+          assistant_name: '小财管家',
+          assistant_variant: 'compact_guidance',
+          orchestrator_payload: {
+            result: {
+              suggested_actions: suggestedActions
+            }
+          }
+        }
+      }
+    ]
+  }
+}
+
+function buildUnsupportedBusinessScopeGuard(rawText, options = {}) {
+  const suggestedActions = buildUnsupportedBusinessScopeSuggestedActions(options)
   return {
     targetSessionType: '',
     targetLabel: '不支持的意图',
     blocked: true,
-    text: buildUnsupportedBusinessScopeText(),
+    text: buildUnsupportedBusinessScopeText(rawText, options),
     meta: ['意图不支持'],
-    suggestedActions: [],
+    suggestedActions,
     actionType: ASSISTANT_SCOPE_ACTION_UNSUPPORTED
   }
 }
@@ -318,7 +377,7 @@ export function resolveAssistantScopeGuard(rawText, currentSessionType, options
     if (shouldAllowContextualFollowUp(rawText, normalizedCurrent, options)) {
       return null
     }
-    return normalizeText(rawText) ? buildUnsupportedBusinessScopeGuard() : null
+    return normalizeText(rawText) ? buildUnsupportedBusinessScopeGuard(rawText, options) : null
   }
 
   if (targetSessionType === normalizedCurrent) {

web/src/utils/assistantSuggestedActionPrefill.js

@@ -1,3 +1,5 @@
+import { ASSISTANT_SCOPE_ACTION_FILL_COMPOSER } from './assistantSessionScope.js'
+
 const APPLICATION_FIELD_PREFILLS = {
   time: '申请时间段：',
   time_range: '申请时间段：',
@@ -14,6 +16,7 @@ export function resolveSuggestedActionPrefill(action = {}) {
     payload.prompt_prefill
       || payload.input_prefill
       || payload.prefill_text
+      || payload.fill_text
       || ''
   ).trim()
   if (explicitPrefill) {
@@ -21,7 +24,7 @@ export function resolveSuggestedActionPrefill(action = {}) {
   }
 
   const actionType = String(action?.action_type || '').trim()
-  if (actionType !== 'prefill_composer') {
+  if (actionType !== 'prefill_composer' && actionType !== ASSISTANT_SCOPE_ACTION_FILL_COMPOSER) {
     return ''
   }
 

web/src/views/scripts/stewardPlanModel.js

@@ -1,5 +1,6 @@
 import {
   ASSISTANT_SCOPE_ACTION_SWITCH,
+  ASSISTANT_SCOPE_ACTION_FILL_COMPOSER
 } from '../../utils/assistantSessionScope.js'
 import {
   SESSION_TYPE_APPLICATION,
@@ -200,12 +201,18 @@ export function normalizeStewardPlan(rawPlan = {}, options = {}) {
       ? rawPlan.confirmation_groups
       : [],
     pendingFlowConfirmation,
-    candidateFlows: pendingFlowConfirmation.candidateFlows
+    candidateFlows: pendingFlowConfirmation.candidateFlows,
+    suggestedPrompts: Array.isArray(rawPlan.suggested_prompts)
+      ? rawPlan.suggested_prompts.map((item) => String(item || '').trim()).filter(Boolean)
+      : []
   }
 }
 
 export function buildStewardPlanMessageText(plan) {
   const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return buildOffTopicMessageText(normalized)
+  }
   if (isPendingFlowConfirmationPlan(normalized)) {
     return buildPendingFlowConfirmationMessageText(normalized)
   }
@@ -215,13 +222,13 @@ export function buildStewardPlanMessageText(plan) {
     `${index + 1}. **${buildTaskOrderVerb(index)}${buildTaskOrderTarget(task)}**\n   - ${buildTaskOrderActionDescription(task)}`
   )
   return [
-    '### 我会这样推进',
+    '### 我先帮你把步骤理清楚',
     '',
-    `我识别到 **${normalized.tasks.length} 个财务事项**，会按顺序逐步处理，不会一次性把所有动作都执行掉。`,
+    buildStewardPlanFriendlyIntro(normalized),
     '',
     ...taskLines,
     '',
-    '如果这个顺序没问题，请回复 **确定**。我会先进入第一步，并在具体步骤里再判断需要你补充哪些信息。'
+    '你看这个顺序是否合适？如果没问题，回复 **确定** 就行。我会先帮你进入第一步，需要补充的信息会在具体步骤里再温和提醒你。'
   ].filter((line, index, lines) => line || lines[index - 1]).join('\n')
 }
 
@@ -284,6 +291,18 @@ export function formatStewardOntologyFields(fields = {}, taskType = '') {
 
 export function buildStewardSuggestedActions(plan) {
   const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return normalized.suggestedPrompts.map((prompt) => ({
+      label: prompt.length > 24 ? `${prompt.slice(0, 24)}...` : prompt,
+      description: '点击填入输入框，可编辑后发送',
+      icon: 'mdi mdi-comment-text-outline',
+      action_type: ASSISTANT_SCOPE_ACTION_FILL_COMPOSER,
+      payload: {
+        steward_plan_id: normalized.planId,
+        fill_text: prompt
+      }
+    }))
+  }
   if (isPendingFlowConfirmationPlan(normalized)) {
     return normalized.candidateFlows.map((flow) => ({
       label: flow.label,
@@ -383,6 +402,28 @@ function isPendingFlowConfirmationPlan(normalized) {
   ) && Array.isArray(normalized?.candidateFlows) && normalized.candidateFlows.length > 0
 }
 
+function isOffTopicPlan(normalized) {
+  return String(normalized?.planStatus || '').trim() === 'off_topic'
+}
+
+export function isOffTopicStewardPlan(rawPlan) {
+  return isOffTopicPlan(normalizeStewardPlan(rawPlan))
+}
+
+function buildOffTopicMessageText(normalized) {
+  const summary = String(normalized?.summary || '').trim()
+  const summaryLine = summary && summary !== '这看起来跟财务任务没什么关系...'
+    ? summary
+    : '这看起来跟财务任务没什么关系，我目前只能帮你处理**费用申请**和**费用报销**两类事项。'
+  return [
+    '### 小财管家没看懂这件事',
+    '',
+    summaryLine,
+    '',
+    '你可以试试下面这些方式告诉我：'
+  ].join('\n')
+}
+
 function buildPendingFlowConfirmationMessageText(normalized) {
   const fields = normalized.candidateFlows[0]?.ontologyFields || {}
   const knownParts = formatStewardOntologyFields(fields, 'expense_application')
@@ -511,10 +552,10 @@ function buildTaskOrderVerb(index) {
 function buildTaskOrderTarget(task) {
   const title = task.title || task.taskTypeLabel
   if (task.taskType === 'expense_application') {
-    return `创建“${title}”`
+    return `整理“${title}”`
   }
   if (task.taskType === 'reimbursement') {
-    return `处理“${title}”`
+    return `核对“${title}”`
   }
   return `处理“${title}”`
 }
@@ -522,12 +563,19 @@ function buildTaskOrderTarget(task) {
 function buildTaskOrderActionDescription(task) {
   const agent = task.assignedAgentLabel || '对应助手'
   if (task.taskType === 'expense_application') {
-    return `交给${agent}生成申请单核对结果，确认无误后再进入后续动作。`
+    return `我会请${agent}先把申请单草稿整理出来，方便你核对关键信息，再决定是否继续。`
   }
   if (task.taskType === 'reimbursement') {
-    return `交给${agent}整理报销核对结果，等前一步完成后再继续推进。`
+    return `我会请${agent}把票据、金额和制度口径先核清楚，前一步确认后再继续往下走。`
   }
-  return `交给${agent}处理，执行前会先让你确认。`
+  return `我会请${agent}先整理可核对的结果，真正执行前仍会让你确认。`
+}
+
+function buildStewardPlanFriendlyIntro(normalized) {
+  const taskCountText = normalized.tasks.length > 1
+    ? `${normalized.tasks.length} 个相关事项`
+    : '1 个事项'
+  return `我先看了一下，你这次主要是 **${taskCountText}**。为了不让步骤混在一起，我会先把要做的事拆开，让你每一步都能看清楚、确认后再继续。`
 }
 
 function buildTaskOrderDescription(normalized) {

web/src/views/scripts/useStewardPlanFlow.js

@@ -2,6 +2,7 @@ import {
   buildStewardPlanMessageText,
   buildStewardPlanRequest,
   buildStewardSuggestedActions,
+  isOffTopicStewardPlan,
   normalizeStewardPlan
 } from './stewardPlanModel.js'
 import { SESSION_TYPE_STEWARD } from './travelReimbursementConversationModel.js'
@@ -384,7 +385,14 @@ export function useStewardPlanFlow({
 
   function isPendingStewardActionMessage(message) {
     if (message?.stewardPlan) {
-      return message.stewardPlan.streamStatus !== 'streaming'
+      if (message.stewardPlan.streamStatus === 'streaming') {
+        return false
+      }
+      // off_topic 是引导用户重新编辑输入，不参与"确定/确认"快捷回复链路。
+      if (isOffTopicStewardPlan(message.stewardPlan)) {
+        return false
+      }
+      return true
     }
     return (
       String(message?.assistantName || '').trim() === '小财管家'

web/tests/steward-plan-off-topic.test.mjs

@@ -0,0 +1,180 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import {
+  ASSISTANT_SCOPE_ACTION_FILL_COMPOSER
+} from '../src/utils/assistantSessionScope.js'
+import {
+  buildStewardPlanMessageText,
+  buildStewardSuggestedActions,
+  isOffTopicStewardPlan,
+  normalizeStewardPlan
+} from '../src/views/scripts/stewardPlanModel.js'
+import {
+  resolveSuggestedActionPrefill
+} from '../src/utils/assistantSuggestedActionPrefill.js'
+
+const OFF_TOPIC_PLAN = {
+  plan_id: 'steward-plan-off-topic',
+  plan_status: 'off_topic',
+  next_action: 'none',
+  tasks: [],
+  attachment_groups: [],
+  confirmation_groups: [],
+  candidate_flows: [],
+  summary: '这看起来跟财务任务没什么关系...',
+  suggested_prompts: [
+    '我想要申请明天去北京出差3天，支撑客户现场实施',
+    '我要报销上周去上海的高铁票',
+    '差旅住宿标准是多少'
+  ],
+  thinking_events: [
+    {
+      event_id: 'off-topic-explain',
+      stage: 'intent_review',
+      title: '未识别到财务业务意图',
+      content: '用户输入的内容没有匹配到费用申请或费用报销相关的业务信号。',
+      status: 'completed'
+    }
+  ]
+}
+
+test('normalizeStewardPlan passes suggested_prompts through as trimmed strings', () => {
+  const normalized = normalizeStewardPlan({
+    plan_id: 'p-1',
+    plan_status: 'off_topic',
+    suggested_prompts: [
+      '  申请出差  ',
+      '',
+      null,
+      '报销高铁票'
+    ]
+  })
+  assert.deepEqual(normalized.suggestedPrompts, ['申请出差', '报销高铁票'])
+})
+
+test('normalizeStewardPlan falls back to empty suggested prompts when missing', () => {
+  const normalized = normalizeStewardPlan({ plan_id: 'p-2', plan_status: 'off_topic' })
+  assert.deepEqual(normalized.suggestedPrompts, [])
+})
+
+test('isOffTopicStewardPlan returns true only for off_topic plan status', () => {
+  assert.equal(isOffTopicStewardPlan({ plan_status: 'off_topic' }), true)
+  assert.equal(isOffTopicStewardPlan({ plan_status: 'needs_flow_confirmation' }), false)
+  assert.equal(isOffTopicStewardPlan({}), false)
+})
+
+test('buildStewardPlanMessageText renders friendly off_topic guidance', () => {
+  const text = buildStewardPlanMessageText(OFF_TOPIC_PLAN)
+  assert.match(text, /小财管家没看懂这件事/)
+  // 推荐话术本身不在正文里展示，而是作为按钮单独渲染，避免重复。
+  for (const prompt of OFF_TOPIC_PLAN.suggested_prompts) {
+    assert.equal(text.includes(prompt), false, `正文不应包含推荐话术：${prompt}`)
+  }
+})
+
+test('buildStewardPlanMessageText keeps off_topic branch ahead of pending flow branch', () => {
+  // 即使 summary 缺省，也走 off_topic 分支而非默认任务文案
+  const text = buildStewardPlanMessageText({
+    plan_id: 'p-off-topic-default',
+    plan_status: 'off_topic',
+    next_action: 'none',
+    suggested_prompts: ['申请出差']
+  })
+  assert.match(text, /小财管家没看懂这件事/)
+  assert.match(text, /费用申请.*费用报销|费用报销.*费用申请/)
+})
+
+test('buildStewardSuggestedActions returns fill_composer actions for off_topic plan', () => {
+  const actions = buildStewardSuggestedActions(OFF_TOPIC_PLAN)
+  assert.equal(actions.length, OFF_TOPIC_PLAN.suggested_prompts.length)
+  for (const action of actions) {
+    assert.equal(action.action_type, ASSISTANT_SCOPE_ACTION_FILL_COMPOSER)
+    assert.equal(typeof action.payload.fill_text, 'string')
+    assert.ok(action.payload.fill_text.length > 0)
+    assert.equal(action.payload.steward_plan_id, OFF_TOPIC_PLAN.plan_id)
+  }
+})
+
+test('buildStewardSuggestedActions truncates long off_topic prompt labels', () => {
+  const longPrompt = '我想要申请明天去北京出差3天，支撑客户现场实施，需要预订酒店和高铁票'
+  const actions = buildStewardSuggestedActions({
+    plan_id: 'p-long',
+    plan_status: 'off_topic',
+    suggested_prompts: [longPrompt]
+  })
+  assert.equal(actions.length, 1)
+  assert.ok(actions[0].label.length <= 27) // 24 字符 + "..."
+  assert.ok(actions[0].label.endsWith('...'))
+  // payload.fill_text 必须保留完整话术，不被截断
+  assert.equal(actions[0].payload.fill_text, longPrompt)
+})
+
+test('buildStewardSuggestedActions keeps short off_topic prompt labels intact', () => {
+  const shortPrompt = '差旅住宿标准是多少'
+  const actions = buildStewardSuggestedActions({
+    plan_id: 'p-short',
+    plan_status: 'off_topic',
+    suggested_prompts: [shortPrompt]
+  })
+  assert.equal(actions[0].label, shortPrompt)
+  assert.equal(actions[0].payload.fill_text, shortPrompt)
+})
+
+test('buildStewardSuggestedActions returns empty array for off_topic plan without prompts', () => {
+  const actions = buildStewardSuggestedActions({
+    plan_id: 'p-empty',
+    plan_status: 'off_topic',
+    suggested_prompts: []
+  })
+  assert.deepEqual(actions, [])
+})
+
+test('off_topic fill_composer action is resolved as composer prefill (fill not submit)', () => {
+  const actions = buildStewardSuggestedActions(OFF_TOPIC_PLAN)
+  const firstAction = actions[0]
+  const prefill = resolveSuggestedActionPrefill(firstAction)
+  assert.equal(prefill, OFF_TOPIC_PLAN.suggested_prompts[0])
+})
+
+test('resolveSuggestedActionPrefill reads payload.fill_text directly', () => {
+  assert.equal(
+    resolveSuggestedActionPrefill({
+      action_type: ASSISTANT_SCOPE_ACTION_FILL_COMPOSER,
+      payload: { fill_text: '帮我申请下周出差' }
+    }),
+    '帮我申请下周出差'
+  )
+  // 空字符串/空白应被忽略
+  assert.equal(
+    resolveSuggestedActionPrefill({
+      action_type: ASSISTANT_SCOPE_ACTION_FILL_COMPOSER,
+      payload: { fill_text: '   ' }
+    }),
+    ''
+  )
+})
+
+test('off_topic branch does not break pending flow confirmation actions', () => {
+  // pending flow 不应被 off_topic 分支拦截
+  const actions = buildStewardSuggestedActions({
+    plan_id: 'steward-plan-pending-flow',
+    plan_status: 'needs_flow_confirmation',
+    next_action: 'confirm_flow',
+    pending_flow_confirmation: {
+      status: 'pending',
+      reason: '缺少申请或报销动作词。',
+      candidate_flows: [
+        {
+          flow_id: 'travel_application',
+          label: '补办出差申请',
+          confidence: 0.6,
+          ontology_fields: { location: '上海' },
+          missing_fields: []
+        }
+      ]
+    }
+  })
+  assert.equal(actions.length, 1)
+  assert.equal(actions[0].payload.flow_id, 'travel_application')
+})