feat: 增加差旅报销标准测算和财务终审流程

新增差旅报销测算接口及 Spreadsheet 规则解析，审批流程拆分
直属领导审批与财务终审两阶段并细分权限，修复 PDF 文本层
缺失时自动回退 OCR，提交后清理关联会话，前端适配审批流
交互并补充单元测试。

docker-compose.yml

@@ -30,10 +30,24 @@ services:
       - /bin/sh
       - -lc
       - >
-        apt-get update &&
-        DEBIAN_FRONTEND=noninteractive apt-get install -y --no-install-recommends
-        python3 python3-pip python3-venv &&
-        mkdir -p /run/sshd && /usr/sbin/sshd &&
+        apt-get update &&
+        DEBIAN_FRONTEND=noninteractive apt-get install -y --no-install-recommends
+        python3 python3-pip python3-venv fontconfig fonts-noto-cjk fonts-noto-cjk-extra &&
+        printf '%s\n'
+        '<?xml version="1.0"?>'
+        '<!DOCTYPE fontconfig SYSTEM "fonts.dtd">'
+        '<fontconfig>'
+        '  <alias><family>SimSun</family><prefer><family>Noto Serif CJK SC</family></prefer></alias>'
+        '  <alias><family>NSimSun</family><prefer><family>Noto Serif CJK SC</family></prefer></alias>'
+        '  <alias><family>KaiTi</family><prefer><family>Noto Serif CJK SC</family></prefer></alias>'
+        '  <alias><family>FangSong</family><prefer><family>Noto Serif CJK SC</family></prefer></alias>'
+        '  <alias><family>SimHei</family><prefer><family>Noto Sans CJK SC</family></prefer></alias>'
+        '  <alias><family>DengXian</family><prefer><family>Noto Sans CJK SC</family></prefer></alias>'
+        '  <alias><family>Microsoft YaHei</family><prefer><family>Noto Sans CJK SC</family></prefer></alias>'
+        '</fontconfig>'
+        > /etc/fonts/local.conf &&
+        fc-cache -f &&
+        mkdir -p /run/sshd && /usr/sbin/sshd &&
         printf '%s\n' 'cd /app >/dev/null 2>&1 || true' > /etc/profile.d/zz-x-financial-app-dir.sh &&
         chmod 644 /etc/profile.d/zz-x-financial-app-dir.sh &&
         touch /root/.bashrc /root/.profile &&

server/src/app/api/v1/endpoints/reimbursements.py

@@ -20,9 +20,12 @@ from app.schemas.reimbursement import (
     ExpenseClaimReturnPayload,
     ReimbursementCreate,
     ReimbursementRead,
+    TravelReimbursementCalculatorRequest,
+    TravelReimbursementCalculatorResponse,
 )
 from app.services.expense_claims import ExpenseClaimService
 from app.services.reimbursement import ReimbursementService
+from app.services.travel_reimbursement_calculator import TravelReimbursementCalculatorService
 
 router = APIRouter()
 DbSession = Annotated[Session, Depends(get_db)]
@@ -50,6 +53,29 @@ def create_reimbursement(payload: ReimbursementCreate, db: DbSession) -> Reimbur
     return ReimbursementService(db).create_reimbursement(payload)
 
 
+@router.post(
+    "/travel-calculator",
+    response_model=TravelReimbursementCalculatorResponse,
+    summary="差旅报销标准测算",
+    description="根据规则中心的差旅报销表、当前员工职级、出差天数与地点测算住宿和补贴参考金额。",
+    responses={
+        status.HTTP_400_BAD_REQUEST: {
+            "model": ErrorResponse,
+            "description": "测算入参或规则匹配失败。",
+        }
+    },
+)
+def calculate_travel_reimbursement(
+    payload: TravelReimbursementCalculatorRequest,
+    db: DbSession,
+    current_user: CurrentUser,
+) -> TravelReimbursementCalculatorResponse:
+    try:
+        return TravelReimbursementCalculatorService(db).calculate(payload, current_user)
+    except ValueError as error:
+        raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail=str(error)) from error
+
+
 @router.get(
     "/claims",
     response_model=list[ExpenseClaimRead],
@@ -463,8 +489,8 @@ def return_expense_claim(
 @router.post(
     "/claims/{claim_id}/approve",
     response_model=ExpenseClaimRead,
-    summary="直属领导审批通过报销单",
-    description="当前审批人确认报销信息无误后，将报销单从直属领导审批流转到财务审批。",
+    summary="审批通过报销单",
+    description="直属领导审批通过后流转到财务审批；财务终审通过后进入归档入账。",
     responses={
         status.HTTP_404_NOT_FOUND: {
             "model": ErrorResponse,
@@ -497,7 +523,7 @@ def approve_expense_claim(
     "/claims/{claim_id}",
     response_model=ExpenseClaimActionResponse,
     summary="删除报销单",
-    description="普通用户仅可删除草稿或待补充报销单；财务人员和高级管理人员可删除可见报销单。",
+    description="申请人仅可删除自己的草稿、待补充或退回单据；高级管理人员可删除可见单据，财务人员没有删除权限。",
     responses={
         status.HTTP_404_NOT_FOUND: {
             "model": ErrorResponse,

server/src/app/models/financial_record.py

@@ -93,6 +93,10 @@ class ExpenseClaimItem(Base):
 
     claim = relationship("ExpenseClaim", back_populates="items")
 
+    @property
+    def is_system_generated(self) -> bool:
+        return str(self.item_type or "").strip().lower() in {"travel_allowance"}
+
 
 class AccountsReceivableRecord(Base):
     __tablename__ = "accounts_receivable"

server/src/app/schemas/reimbursement.py

@@ -41,6 +41,7 @@ class ExpenseClaimItemRead(BaseModel):
     item_location: str
     item_amount: Decimal
     invoice_id: str | None
+    is_system_generated: bool = False
     created_at: datetime
     updated_at: datetime
 
@@ -157,11 +158,41 @@ class ExpenseClaimApprovalPayload(BaseModel):
     opinion: str | None = Field(default=None, max_length=500)
 
 
+class TravelReimbursementCalculatorRequest(BaseModel):
+    days: int = Field(ge=1, le=365)
+    location: str = Field(min_length=1, max_length=120)
+    grade: str | None = Field(default=None, max_length=30)
+
+
+class TravelReimbursementCalculatorResponse(BaseModel):
+    days: int
+    location: str
+    matched_city: str
+    city_tier: str
+    grade: str
+    grade_band: str
+    grade_band_label: str
+    hotel_rate: Decimal
+    hotel_amount: Decimal
+    allowance_region: str
+    meal_allowance_rate: Decimal
+    basic_allowance_rate: Decimal
+    total_allowance_rate: Decimal
+    allowance_amount: Decimal
+    total_amount: Decimal
+    rule_name: str
+    rule_version: str
+    formula_text: str
+    summary_text: str
+
+
 class ExpenseClaimAttachmentActionResponse(BaseModel):
     message: str
     claim_id: str
     item_id: str
     invoice_id: str | None = None
+    item_amount: Decimal | None = None
+    claim_amount: Decimal | None = None
     attachment: ExpenseClaimAttachmentRead | None = None
 
 

server/src/app/services/agent_conversations.py

@@ -39,6 +39,7 @@ class AgentConversationService:
         normalized_id = str(conversation_id or "").strip()
         normalized_user_id = str(user_id or "").strip() or None
         incoming_session_type = str(context_json.get("session_type") or "").strip() or "expense"
+        incoming_draft_claim_id = self._resolve_draft_claim_id(context_json)
         conversation = self.get_conversation(normalized_id) if normalized_id else None
         if conversation is not None and conversation.user_id != normalized_user_id:
             normalized_id = ""
@@ -56,6 +57,7 @@ class AgentConversationService:
                 source=source,
                 entry_source=str(context_json.get("entry_source") or "").strip() or None,
                 title=self._resolve_title(context_json),
+                draft_claim_id=incoming_draft_claim_id or None,
                 state_json=self._extract_state_json(context_json),
             )
             self.db.add(conversation)
@@ -69,6 +71,8 @@ class AgentConversationService:
             conversation.entry_source = str(context_json.get("entry_source") or "").strip() or None
         if not conversation.title:
             conversation.title = self._resolve_title(context_json)
+        if incoming_draft_claim_id:
+            conversation.draft_claim_id = incoming_draft_claim_id
         conversation.state_json = self._merge_state_json(
             conversation.state_json,
             self._extract_state_json(context_json),
@@ -354,6 +358,38 @@ class AgentConversationService:
         self.db.commit()
         return len(conversations)
 
+    def delete_conversations_for_draft_claim(
+        self,
+        *,
+        claim_id: str | None,
+        source: str | None = "user_message",
+        session_type: str | None = "expense",
+    ) -> int:
+        normalized_claim_id = str(claim_id or "").strip()
+        if not normalized_claim_id:
+            return 0
+
+        stmt = select(AgentConversation).where(AgentConversation.draft_claim_id == normalized_claim_id)
+        if source:
+            stmt = stmt.where(AgentConversation.source == source)
+        conversations = list(self.db.scalars(stmt).all())
+        normalized_session_type = str(session_type or "").strip()
+        if normalized_session_type:
+            conversations = [
+                conversation
+                for conversation in conversations
+                if (str((conversation.state_json or {}).get("session_type") or "").strip() or "expense")
+                == normalized_session_type
+            ]
+        if not conversations:
+            return 0
+
+        for conversation in conversations:
+            self.db.delete(conversation)
+
+        self.db.commit()
+        return len(conversations)
+
     def delete_conversation(
         self,
         *,
@@ -478,11 +514,28 @@ class AgentConversationService:
                 continue
             state_json[key] = value
 
-        draft_claim_id = str(context_json.get("draft_claim_id") or "").strip()
+        draft_claim_id = AgentConversationService._resolve_draft_claim_id(context_json)
         if draft_claim_id:
             state_json["draft_claim_id"] = draft_claim_id
         return state_json
 
+    @staticmethod
+    def _resolve_draft_claim_id(context_json: dict[str, Any]) -> str:
+        draft_claim_id = str((context_json or {}).get("draft_claim_id") or "").strip()
+        if draft_claim_id:
+            return draft_claim_id
+
+        request_context = (context_json or {}).get("request_context")
+        if isinstance(request_context, dict):
+            return str(
+                request_context.get("claim_id")
+                or request_context.get("claimId")
+                or request_context.get("draft_claim_id")
+                or request_context.get("draftClaimId")
+                or ""
+            ).strip()
+        return ""
+
     @staticmethod
     def _merge_state_json(
         current_state: dict[str, Any] | None,

server/src/app/services/document_intelligence.py

@@ -86,7 +86,7 @@ DOCUMENT_RULES: tuple[DocumentRule, ...] = (
         scene_code="travel",
         scene_label="差旅票据",
         expense_type="travel",
-        keywords=("高铁", "火车", "动车", "铁路", "车次", "检票", "二等座", "一等座"),
+        keywords=("铁路电子客票", "电子客票", "高铁", "火车", "动车", "铁路", "车次", "检票", "二等座", "一等座", "票价"),
         score_bias=0.32,
     ),
     DocumentRule(

server/src/app/services/expense_claims.py

@@ -57,6 +57,7 @@ EXPENSE_TYPE_LABELS = {
 
 PRIVILEGED_CLAIM_ROLE_CODES = {"finance", "executive"}
 APPROVAL_VISIBLE_CLAIM_ROLE_CODES = {"manager", "approver"}
+CLAIM_DELETE_ROLE_CODES = {"executive"}
 MAX_DRAFT_CLAIMS_PER_USER = 3
 EDITABLE_CLAIM_STATUSES = ("draft", "supplement", "returned")
 LOCATION_REQUIRED_EXPENSE_TYPES = {
@@ -542,14 +543,19 @@ class ExpenseClaimService:
                 [(normalized_name, content, media_type or "application/octet-stream")]
             )
             documents = list(ocr_result.documents or [])
-            if documents:
-                ocr_document = documents[0]
-                ocr_status = "recognized"
-                document_info = self._build_attachment_document_info(ocr_document)
-                requirement_check = self._build_attachment_requirement_check(
-                    item=item,
-                    document_info=document_info,
-                )
+            if documents:
+                ocr_document = documents[0]
+                ocr_status = "recognized"
+                document_info = self._build_attachment_document_info(ocr_document)
+                self._backfill_item_amount_from_attachment(
+                    item=item,
+                    document=ocr_document,
+                    document_info=document_info,
+                )
+                requirement_check = self._build_attachment_requirement_check(
+                    item=item,
+                    document_info=document_info,
+                )
                 attachment_analysis = self._build_attachment_analysis(
                     document=ocr_document,
                     item=item,
@@ -615,13 +621,15 @@ class ExpenseClaimService:
             after_json=self._serialize_claim(claim),
         )
 
-        return {
-            "message": f"{normalized_name} 已上传并关联到当前费用明细。",
-            "claim_id": claim.id,
-            "item_id": item.id,
-            "invoice_id": item.invoice_id,
-            "attachment": self._build_attachment_payload(item),
-        }
+        return {
+            "message": f"{normalized_name} 已上传并关联到当前费用明细。",
+            "claim_id": claim.id,
+            "item_id": item.id,
+            "invoice_id": item.invoice_id,
+            "item_amount": item.item_amount,
+            "claim_amount": claim.amount,
+            "attachment": self._build_attachment_payload(item),
+        }
 
     def get_claim_item_attachment_meta(
         self,
@@ -739,16 +747,18 @@ class ExpenseClaimService:
         self.db.commit()
         self.db.refresh(claim)
 
-        self.audit_service.log_action(
-            actor=current_user.name or current_user.username,
-            action="expense_claim.submit",
-            resource_type="expense_claim",
-            resource_id=claim.id,
-            before_json=before_json,
-            after_json=self._serialize_claim(claim),
-        )
-
-        return claim
+        self.audit_service.log_action(
+            actor=current_user.name or current_user.username,
+            action="expense_claim.submit",
+            resource_type="expense_claim",
+            resource_id=claim.id,
+            before_json=before_json,
+            after_json=self._serialize_claim(claim),
+        )
+        if str(claim.status or "").strip().lower() == "submitted":
+            self._delete_submitted_claim_assistant_sessions(claim.id)
+
+        return claim
 
     def save_or_submit_from_ontology(
         self,
@@ -858,8 +868,10 @@ class ExpenseClaimService:
         if claim is None:
             return None
 
-        if not self._has_privileged_claim_access(current_user):
+        if not self._has_claim_delete_access(current_user):
             self._ensure_draft_claim(claim)
+            if not self._is_claim_owned_by_current_user(claim, current_user):
+                raise ValueError("只有高级管理人员可以删除非本人单据，申请人仅可删除自己的草稿、待补充或退回单据。")
 
         before_json = self._serialize_claim(claim)
         resource_id = claim.id
@@ -903,7 +915,7 @@ class ExpenseClaimService:
             raise ValueError("已完成单据不允许退回。")
 
         before_json = self._serialize_claim(claim)
-        operator = current_user.name or current_user.username
+        operator = self._resolve_current_user_display_name(current_user)
         previous_status = str(claim.status or "").strip()
         previous_stage = str(claim.approval_stage or "").strip() or "未标记审批环节"
         previous_stage_key = self._normalize_return_stage_key(previous_stage)
@@ -987,29 +999,43 @@ class ExpenseClaimService:
         if claim is None:
             return None
 
-        if not self._can_approve_claim(current_user, claim):
-            raise ValueError("只有当前直属领导审批人可以审批通过该报销单。")
-
         normalized_status = str(claim.status or "").strip().lower()
         if normalized_status != "submitted":
             raise ValueError("只有审批中的报销单可以审批通过。")
 
         previous_stage = str(claim.approval_stage or "").strip()
-        if previous_stage != "直属领导审批":
-            raise ValueError("当前节点不是直属领导审批，不能执行领导审批通过。")
+        if previous_stage == "直属领导审批":
+            if not self._can_approve_claim(current_user, claim):
+                raise ValueError("只有当前直属领导审批人可以审批通过该报销单。")
+            approval_source = "manual_approval"
+            event_type = "expense_claim_approval"
+            label = "领导审批通过"
+            next_status = "submitted"
+            next_stage = "财务审批"
+            default_message = "{operator} 已审批通过，流转至{next_stage}。"
+        elif previous_stage == "财务审批":
+            if not self._can_approve_claim(current_user, claim):
+                raise ValueError("只有财务人员可以完成财务终审。")
+            approval_source = "finance_approval"
+            event_type = "expense_claim_finance_approval"
+            label = "财务审核通过"
+            next_status = "approved"
+            next_stage = "归档入账"
+            default_message = "{operator} 已完成财务审核，进入归档入账。"
+        else:
+            raise ValueError("当前节点不支持审批通过。")
 
         before_json = self._serialize_claim(claim)
-        operator = current_user.name or current_user.username
-        leader_opinion = str(opinion or "").strip()
-        next_stage = "财务审批"
+        operator = self._resolve_current_user_display_name(current_user)
+        approval_opinion = str(opinion or "").strip()
         approval_flag = {
-            "source": "manual_approval",
-            "event_type": "expense_claim_approval",
+            "source": approval_source,
+            "event_type": event_type,
             "approval_event_id": str(uuid.uuid4()),
             "severity": "info",
-            "label": "领导审批通过",
-            "message": leader_opinion or f"{operator} 已审批通过，流转至{next_stage}。",
-            "opinion": leader_opinion,
+            "label": label,
+            "message": approval_opinion or default_message.format(operator=operator, next_stage=next_stage),
+            "opinion": approval_opinion,
             "operator": operator,
             "operator_username": current_user.username,
             "operator_role_codes": [
@@ -1024,7 +1050,7 @@ class ExpenseClaimService:
             "created_at": datetime.now(UTC).isoformat(),
         }
 
-        claim.status = "submitted"
+        claim.status = next_status
         claim.approval_stage = next_stage
         if claim.submitted_at is None:
             claim.submitted_at = datetime.now(UTC)
@@ -2205,16 +2231,89 @@ class ExpenseClaimService:
         meta_path = self._attachment_meta_path(file_path)
         meta_path.write_text(json.dumps(payload, ensure_ascii=False, indent=2), encoding="utf-8")
 
-    def _read_attachment_meta(self, file_path: Path) -> dict[str, Any]:
-        meta_path = self._attachment_meta_path(file_path)
-        if not meta_path.exists():
-            return {}
+    def _read_attachment_meta(self, file_path: Path) -> dict[str, Any]:
+        meta_path = self._attachment_meta_path(file_path)
+        if not meta_path.exists():
+            return {}
 
         try:
             payload = json.loads(meta_path.read_text(encoding="utf-8"))
         except (json.JSONDecodeError, OSError):
-            return {}
-        return payload if isinstance(payload, dict) else {}
+            return {}
+        return payload if isinstance(payload, dict) else {}
+
+    def _repair_pdf_text_layer_metadata_if_needed(
+        self,
+        *,
+        file_path: Path,
+        metadata: dict[str, Any],
+        item: ExpenseClaimItem | None = None,
+    ) -> dict[str, Any]:
+        if not metadata:
+            return metadata
+
+        media_type = str(metadata.get("media_type") or self._resolve_attachment_media_type(file_path.name)).strip()
+        if media_type != "application/pdf":
+            return metadata
+
+        ocr_text = str(metadata.get("ocr_text") or "")
+        ocr_summary = str(metadata.get("ocr_summary") or "")
+        if OcrService._placeholder_ratio(f"{ocr_summary}\n{ocr_text}") < 0.12:
+            return metadata
+
+        text_layer = OcrService(self.db)._extract_pdf_text_layer(file_path)
+        repaired_text, used_text_layer = OcrService._choose_document_text(
+            ocr_text=ocr_text,
+            text_layer=text_layer,
+        )
+        if not used_text_layer or not repaired_text:
+            return metadata
+
+        repaired_summary = OcrService._summarize_text(repaired_text)
+        document = SimpleNamespace(
+            filename=str(metadata.get("file_name") or file_path.name),
+            text=repaired_text,
+            summary=repaired_summary,
+            avg_score=float(metadata.get("ocr_avg_score") or 0.0),
+            line_count=int(metadata.get("ocr_line_count") or 0),
+            document_type="",
+            document_type_label="",
+            scene_code="",
+            scene_label="",
+            document_fields=[],
+            warnings=[str(value) for value in list(metadata.get("ocr_warnings") or []) if str(value).strip()],
+        )
+        document_info = self._build_attachment_document_info(document)
+        document.document_type = document_info.get("document_type", "")
+        document.document_type_label = document_info.get("document_type_label", "")
+        document.scene_code = document_info.get("scene_code", "")
+        document.scene_label = document_info.get("scene_label", "")
+        document.document_fields = list(document_info.get("fields") or [])
+
+        metadata["ocr_text"] = repaired_text
+        metadata["ocr_summary"] = repaired_summary
+        metadata["document_info"] = document_info
+        metadata["previewable"] = True
+        metadata["preview_kind"] = "pdf"
+        metadata["preview_storage_key"] = str(metadata.get("storage_key") or self._to_attachment_storage_key(file_path))
+        metadata["preview_media_type"] = "application/pdf"
+        metadata["preview_file_name"] = str(metadata.get("file_name") or file_path.name)
+
+        if item is not None:
+            requirement_check = self._build_attachment_requirement_check(
+                item=item,
+                document_info=document_info,
+            )
+            metadata["requirement_check"] = requirement_check
+            metadata["analysis"] = self._build_attachment_analysis(
+                document=document,
+                item=item,
+                document_info=document_info,
+                requirement_check=requirement_check,
+            )
+
+        self._write_attachment_meta(file_path, metadata)
+        return metadata
 
     def _build_attachment_preview_meta(
         self,
@@ -2262,12 +2361,17 @@ class ExpenseClaimService:
             "preview_file_name": "",
         }
 
-    def _resolve_item_attachment_preview_content(self, item: ExpenseClaimItem) -> tuple[Path, str, str]:
-        file_path, media_type, filename = self._resolve_item_attachment_content(item)
-        metadata = self._read_attachment_meta(file_path)
-        preview_storage_key = str(metadata.get("preview_storage_key") or "").strip()
-        preview_file_name = str(metadata.get("preview_file_name") or "").strip()
-        preview_media_type = str(metadata.get("preview_media_type") or "").strip()
+    def _resolve_item_attachment_preview_content(self, item: ExpenseClaimItem) -> tuple[Path, str, str]:
+        file_path, media_type, filename = self._resolve_item_attachment_content(item)
+        metadata = self._read_attachment_meta(file_path)
+        metadata = self._repair_pdf_text_layer_metadata_if_needed(
+            file_path=file_path,
+            metadata=metadata,
+            item=item,
+        )
+        preview_storage_key = str(metadata.get("preview_storage_key") or "").strip()
+        preview_file_name = str(metadata.get("preview_file_name") or "").strip()
+        preview_media_type = str(metadata.get("preview_media_type") or "").strip()
 
         if preview_storage_key:
             preview_path = self._resolve_attachment_path(preview_storage_key)
@@ -2284,10 +2388,15 @@ class ExpenseClaimService:
 
         raise FileNotFoundError("Attachment preview not found")
 
-    def _build_attachment_payload(self, item: ExpenseClaimItem) -> dict[str, Any]:
-        file_path, media_type, filename = self._resolve_item_attachment_content(item)
-        metadata = self._read_attachment_meta(file_path)
-        uploaded_at_value = metadata.get("uploaded_at")
+    def _build_attachment_payload(self, item: ExpenseClaimItem) -> dict[str, Any]:
+        file_path, media_type, filename = self._resolve_item_attachment_content(item)
+        metadata = self._read_attachment_meta(file_path)
+        metadata = self._repair_pdf_text_layer_metadata_if_needed(
+            file_path=file_path,
+            metadata=metadata,
+            item=item,
+        )
+        uploaded_at_value = metadata.get("uploaded_at")
         uploaded_at = None
         if isinstance(uploaded_at_value, str) and uploaded_at_value.strip():
             try:
@@ -2402,11 +2511,11 @@ class ExpenseClaimService:
 
         return normalized_next
 
-    def _build_attachment_document_info(self, document: Any) -> dict[str, Any]:
-        insight = build_document_insight(
-            filename=str(getattr(document, "filename", "") or ""),
-            summary=str(getattr(document, "summary", "") or ""),
-            text=str(getattr(document, "text", "") or ""),
+    def _build_attachment_document_info(self, document: Any) -> dict[str, Any]:
+        insight = build_document_insight(
+            filename=str(getattr(document, "filename", "") or ""),
+            summary=str(getattr(document, "summary", "") or ""),
+            text=str(getattr(document, "text", "") or ""),
         )
         raw_fields = list(getattr(document, "document_fields", []) or [])
         normalized_fields: list[dict[str, str]] = []
@@ -2463,14 +2572,35 @@ class ExpenseClaimService:
             "document_type_label": document_type_label,
             "scene_code": scene_code,
             "scene_label": scene_label,
-            "fields": normalized_fields,
-        }
-
-    def _build_attachment_requirement_check(
-        self,
-        *,
-        item: ExpenseClaimItem,
-        document_info: dict[str, Any],
+            "fields": normalized_fields,
+        }
+
+    def _backfill_item_amount_from_attachment(
+        self,
+        *,
+        item: ExpenseClaimItem,
+        document: Any,
+        document_info: dict[str, Any],
+    ) -> None:
+        current_amount = Decimal(item.item_amount or Decimal("0.00")).quantize(Decimal("0.01"))
+        if current_amount > Decimal("0.00"):
+            return
+
+        amount = self._resolve_document_item_amount(
+            {
+                "document_fields": document_info.get("fields") or [],
+                "summary": str(getattr(document, "summary", "") or ""),
+                "text": str(getattr(document, "text", "") or ""),
+            }
+        )
+        if amount is not None and amount > Decimal("0.00"):
+            item.item_amount = amount
+
+    def _build_attachment_requirement_check(
+        self,
+        *,
+        item: ExpenseClaimItem,
+        document_info: dict[str, Any],
     ) -> dict[str, Any]:
         expense_type = str(item.item_type or "").strip().lower() or "other"
         policy = self._get_expense_scene_policy(expense_type)
@@ -2932,8 +3062,17 @@ class ExpenseClaimService:
     def _ensure_draft_claim(self, claim: ExpenseClaim) -> None:
         if not self._is_editable_claim_status(claim.status):
             raise ValueError("只有草稿、待补充或退回待提交状态的报销单才允许执行该操作。")
-
-    def _run_ai_submission_review(self, claim: ExpenseClaim) -> dict[str, Any]:
+
+    def _delete_submitted_claim_assistant_sessions(self, claim_id: str | None) -> None:
+        from app.services.agent_conversations import AgentConversationService
+
+        AgentConversationService(self.db).delete_conversations_for_draft_claim(
+            claim_id=claim_id,
+            source="user_message",
+            session_type="expense",
+        )
+
+    def _run_ai_submission_review(self, claim: ExpenseClaim) -> dict[str, Any]:
         base_flags = list(claim.risk_flags_json or [])
         attachment_flags = [
             flag
@@ -4593,7 +4732,7 @@ class ExpenseClaimService:
             return str(expense_type or "").strip().lower() in LOCATION_REQUIRED_EXPENSE_TYPES
         return bool(policy.location_required)
 
-    @staticmethod
+    @staticmethod
     def _has_privileged_claim_access(current_user: CurrentUserContext) -> bool:
         if current_user.is_admin:
             return True
@@ -4604,6 +4743,17 @@ class ExpenseClaimService:
         }
         return bool(role_codes & PRIVILEGED_CLAIM_ROLE_CODES)
 
+    @staticmethod
+    def _has_claim_delete_access(current_user: CurrentUserContext) -> bool:
+        if current_user.is_admin:
+            return True
+        role_codes = {
+            str(item).strip().lower()
+            for item in current_user.role_codes
+            if str(item).strip()
+        }
+        return bool(role_codes & CLAIM_DELETE_ROLE_CODES)
+
     def _can_return_claim(self, current_user: CurrentUserContext, claim: ExpenseClaim) -> bool:
         if self._has_privileged_claim_access(current_user):
             return True
@@ -4636,7 +4786,41 @@ class ExpenseClaimService:
         return self._resolve_claim_manager_name(claim) == approver_name
 
     def _can_approve_claim(self, current_user: CurrentUserContext, claim: ExpenseClaim) -> bool:
-        return self._can_return_claim(current_user, claim)
+        stage = str(claim.approval_stage or "").strip()
+        if stage == "直属领导审批":
+            return self._is_current_direct_manager_approver(current_user, claim)
+        if stage == "财务审批":
+            role_codes = self._normalize_role_codes(current_user)
+            return current_user.is_admin or "finance" in role_codes
+        return False
+
+    def _is_current_direct_manager_approver(self, current_user: CurrentUserContext, claim: ExpenseClaim) -> bool:
+        role_codes = self._normalize_role_codes(current_user)
+        if not (role_codes & APPROVAL_VISIBLE_CLAIM_ROLE_CODES):
+            return False
+        if str(claim.status or "").strip().lower() != "submitted":
+            return False
+        if str(claim.approval_stage or "").strip() != "直属领导审批":
+            return False
+
+        current_employee = self._resolve_current_employee(current_user)
+        if current_employee is not None and str(claim.employee_id or "").strip() == current_employee.id:
+            return False
+
+        claim_employee = claim.employee
+        if current_employee is not None and claim_employee is not None:
+            if claim_employee.manager_id == current_employee.id:
+                return True
+            if claim_employee.manager is not None and claim_employee.manager.id == current_employee.id:
+                return True
+
+        approver_name = str(
+            current_employee.name if current_employee is not None and current_employee.name else current_user.name or ""
+        ).strip()
+        if not approver_name:
+            return False
+
+        return self._resolve_claim_manager_name(claim) == approver_name
 
     @staticmethod
     def _normalize_role_codes(current_user: CurrentUserContext) -> set[str]:
@@ -4654,6 +4838,44 @@ class ExpenseClaimService:
             ]
         )
 
+    def _resolve_current_user_display_name(self, current_user: CurrentUserContext) -> str:
+        current_employee = self._resolve_current_employee(current_user)
+        if current_employee is not None and str(current_employee.name or "").strip():
+            return str(current_employee.name).strip()
+
+        for candidate in (current_user.name, current_user.username):
+            normalized = str(candidate or "").strip()
+            if normalized and not self._is_email_like(normalized):
+                return normalized
+
+        return str(current_user.username or current_user.name or "anonymous").strip() or "anonymous"
+
+    def _is_claim_owned_by_current_user(self, claim: ExpenseClaim, current_user: CurrentUserContext) -> bool:
+        current_employee = self._resolve_current_employee(current_user)
+        if current_employee is not None:
+            if str(claim.employee_id or "").strip() == current_employee.id:
+                return True
+            identity_values = {
+                str(current_employee.name or "").strip(),
+                str(current_employee.email or "").strip(),
+                str(current_employee.employee_no or "").strip(),
+            }
+        else:
+            identity_values = set()
+
+        identity_values.update(
+            {
+                str(current_user.username or "").strip(),
+                str(current_user.name or "").strip(),
+            }
+        )
+        identity_values.discard("")
+        return str(claim.employee_name or "").strip() in identity_values
+
+    @staticmethod
+    def _is_email_like(value: str) -> bool:
+        return bool(re.match(r"^[^@\s]+@[^@\s]+\.[^@\s]+$", str(value or "").strip()))
+
     def _resolve_claim_employee_for_backfill(self, claim: ExpenseClaim) -> Employee | None:
         if claim.employee is not None:
             employee = self.db.scalar(
@@ -4850,8 +5072,14 @@ class ExpenseClaimService:
         return conditions
 
     def _apply_approval_claim_scope(self, stmt: Any, current_user: CurrentUserContext) -> Any:
-        if self._has_privileged_claim_access(current_user):
+        role_codes = self._normalize_role_codes(current_user)
+        if current_user.is_admin or "executive" in role_codes:
             return stmt.where(ExpenseClaim.status == "submitted")
+        if "finance" in role_codes:
+            return stmt.where(
+                ExpenseClaim.status == "submitted",
+                ExpenseClaim.approval_stage == "财务审批",
+            )
 
         conditions = self._build_approval_claim_conditions(current_user)
         if not conditions:

server/src/app/services/expense_rule_runtime.py

@@ -6,12 +6,17 @@ from dataclasses import dataclass, field
 from decimal import Decimal
 from typing import Any, Literal
 
+from openpyxl import load_workbook
 from pydantic import BaseModel, Field, ValidationError
 from sqlalchemy import select
 from sqlalchemy.orm import Session
 
 from app.core.agent_enums import AgentAssetDomain, AgentAssetStatus, AgentAssetType
 from app.models.agent_asset import AgentAsset, AgentAssetVersion
+from app.services.agent_asset_spreadsheet import (
+    COMPANY_TRAVEL_EXPENSE_RULE_CODE,
+    AgentAssetSpreadsheetManager,
+)
 
 EXPENSE_RULE_CODE_BLOCK_PATTERN = re.compile(r"```expense-rule\s*(\{.*?\})\s*```", re.DOTALL)
 
@@ -351,6 +356,11 @@ class TravelPolicyConfig(BaseModel):
     band_labels: dict[str, str] = Field(default_factory=dict)
     city_tiers: dict[str, str] = Field(default_factory=dict)
     hotel_limits: dict[str, dict[str, Decimal]] = Field(default_factory=dict)
+    hotel_city_limits: dict[str, dict[str, Decimal]] = Field(default_factory=dict)
+    allowance_limits: dict[str, dict[str, Decimal]] = Field(default_factory=dict)
+    standard_rule_code: str = ""
+    standard_rule_name: str = ""
+    standard_rule_version: str = ""
     transport_limits: dict[str, dict[str, int]] = Field(default_factory=dict)
     flight_classes: list[TravelClassConfig] = Field(default_factory=list)
     train_classes: list[TravelClassConfig] = Field(default_factory=list)
@@ -576,17 +586,35 @@ class ExpenseRuleRuntimeService:
             ).all()
         )
         if not assets:
-            return catalog
+            assets = []
 
+        asset_ids = {asset.id for asset in assets}
+        travel_spreadsheet_asset = self.db.scalar(
+            select(AgentAsset)
+            .where(AgentAsset.asset_type == AgentAssetType.RULE.value)
+            .where(AgentAsset.domain == AgentAssetDomain.EXPENSE.value)
+            .where(AgentAsset.code == COMPANY_TRAVEL_EXPENSE_RULE_CODE)
+            .order_by(AgentAsset.updated_at.desc(), AgentAsset.created_at.desc())
+            .limit(1)
+        )
+        if travel_spreadsheet_asset is not None and travel_spreadsheet_asset.id not in asset_ids:
+            assets.append(travel_spreadsheet_asset)
+
+        spreadsheet_assets: list[tuple[AgentAsset, AgentAssetVersion]] = []
         for asset in assets:
             version = self._get_current_version(asset)
             if version is None:
                 continue
+            is_travel_spreadsheet_asset = (
+                str(asset.code or "").strip() == COMPANY_TRAVEL_EXPENSE_RULE_CODE
+                and str((asset.config_json or {}).get("detail_mode") or "").strip() == "spreadsheet"
+            )
             runtime_payload = self._extract_runtime_payload(
                 markdown_content=str(version.content or ""),
                 config_json=asset.config_json,
             )
             if not isinstance(runtime_payload, dict):
+                spreadsheet_assets.append((asset, version))
                 continue
             self._apply_runtime_payload(
                 catalog,
@@ -594,6 +622,15 @@ class ExpenseRuleRuntimeService:
                 asset=asset,
                 version=version,
             )
+            if is_travel_spreadsheet_asset:
+                spreadsheet_assets.append((asset, version))
+
+        for asset, version in spreadsheet_assets:
+            self._apply_spreadsheet_runtime_payload(
+                catalog,
+                asset=asset,
+                version=version,
+            )
 
         return catalog
 
@@ -658,3 +695,406 @@ class ExpenseRuleRuntimeService:
                 )
         except ValidationError:
             return
+
+    def _apply_spreadsheet_runtime_payload(
+        self,
+        catalog: ExpenseRuleCatalog,
+        *,
+        asset: AgentAsset,
+        version: AgentAssetVersion,
+    ) -> None:
+        if str(asset.code or "").strip() != COMPANY_TRAVEL_EXPENSE_RULE_CODE:
+            return
+        if str((asset.config_json or {}).get("detail_mode") or "").strip() != "spreadsheet":
+            return
+
+        manager = AgentAssetSpreadsheetManager()
+        metadata = manager.parse_version_markdown(str(version.content or ""))
+        rule_document = (asset.config_json or {}).get("rule_document")
+        if not isinstance(rule_document, dict):
+            rule_document = {}
+        storage_key = str(metadata.storage_key if metadata is not None else "").strip()
+        if storage_key:
+            try:
+                workbook_path = manager.resolve_storage_path(storage_key)
+            except FileNotFoundError:
+                workbook_path = None
+            if workbook_path is not None and not workbook_path.exists():
+                workbook_path = None
+        else:
+            workbook_path = None
+
+        if workbook_path is None:
+            fallback_storage_key = str(rule_document.get("storage_key") or "").strip()
+            if not fallback_storage_key:
+                return
+            try:
+                workbook_path = manager.resolve_storage_path(fallback_storage_key)
+            except FileNotFoundError:
+                return
+        if not workbook_path.exists():
+            return
+
+        try:
+            workbook = load_workbook(
+                workbook_path,
+                read_only=True,
+                data_only=True,
+            )
+        except (FileNotFoundError, OSError):
+            return
+
+        try:
+            standards = self._extract_travel_amount_standards_from_workbook(workbook)
+            hotel_city_limits = self._extract_hotel_city_limits_from_workbook(workbook)
+            allowance_limits = self._extract_travel_allowance_limits_from_workbook(workbook)
+            transport_limits = self._extract_transport_class_limits_from_workbook(workbook)
+        finally:
+            workbook.close()
+
+        standard_rule_version = str(
+            rule_document.get("asset_version") or asset.current_version or version.version
+        ).strip()
+        if (hotel_city_limits or allowance_limits or transport_limits) and catalog.travel_policy is not None:
+            payload = catalog.travel_policy.model_dump()
+            payload["standard_rule_code"] = asset.code
+            payload["standard_rule_name"] = asset.name
+            payload["standard_rule_version"] = standard_rule_version
+            if hotel_city_limits:
+                payload["hotel_city_limits"] = {
+                    **payload.get("hotel_city_limits", {}),
+                    **hotel_city_limits,
+                }
+            if allowance_limits:
+                payload["allowance_limits"] = {
+                    **payload.get("allowance_limits", {}),
+                    **allowance_limits,
+                }
+            if transport_limits:
+                payload["transport_limits"] = {
+                    **payload.get("transport_limits", {}),
+                    **transport_limits,
+                }
+            catalog.travel_policy = RuntimeTravelPolicy(**payload)
+
+        for expense_type, amount in standards.items():
+            current = catalog.scene_policies.get(expense_type)
+            if current is None:
+                continue
+            limit_attr = "item_amount_limit" if expense_type == "transport" else "claim_amount_limit"
+            base_limit = getattr(current, limit_attr, None)
+            next_limit = self._replace_amount_limit_warn_amount(
+                base_limit,
+                amount=amount,
+                metric_label=self._spreadsheet_metric_label(expense_type),
+            )
+            payload = current.model_dump()
+            payload["rule_code"] = asset.code
+            payload["rule_name"] = asset.name
+            payload["rule_version"] = standard_rule_version
+            payload[limit_attr] = next_limit.model_dump()
+            catalog.scene_policies[expense_type] = ExpenseScenePolicy(**payload)
+
+    @staticmethod
+    def _extract_travel_amount_standards_from_workbook(workbook: Any) -> dict[str, Decimal]:
+        standards: dict[str, Decimal] = {}
+        for sheet in workbook.worksheets:
+            rows = list(sheet.iter_rows(values_only=True))
+            if not rows:
+                continue
+            header_index = -1
+            category_index = -1
+            standard_index = -1
+            for index, row in enumerate(rows[:8]):
+                values = [str(value or "").strip() for value in row]
+                if "费用分类" in values and "报销标准" in values:
+                    header_index = index
+                    category_index = values.index("费用分类")
+                    standard_index = values.index("报销标准")
+                    break
+            if header_index < 0:
+                continue
+
+            for row in rows[header_index + 1 :]:
+                category = str(row[category_index] or "").strip() if len(row) > category_index else ""
+                standard_text = str(row[standard_index] or "").strip() if len(row) > standard_index else ""
+                amount = ExpenseRuleRuntimeService._extract_first_standard_amount(standard_text)
+                if not category or amount is None:
+                    continue
+                normalized_type = ExpenseRuleRuntimeService._map_spreadsheet_category_to_expense_type(category)
+                if normalized_type:
+                    standards[normalized_type] = amount
+        return standards
+
+    @staticmethod
+    def _extract_hotel_city_limits_from_workbook(workbook: Any) -> dict[str, dict[str, Decimal]]:
+        city_limits: dict[str, dict[str, Decimal]] = {}
+        for sheet in workbook.worksheets:
+            rows = list(sheet.iter_rows(values_only=True))
+            if not rows:
+                continue
+
+            header_index = -1
+            city_index = -1
+            band_indexes: dict[str, int] = {}
+            for index, row in enumerate(rows[:10]):
+                values = [str(value or "").strip() for value in row]
+                for candidate in ("地区（城市）", "城市", "地区"):
+                    if candidate in values:
+                        city_index = values.index(candidate)
+                        break
+                if city_index < 0:
+                    continue
+                for column_index, header in enumerate(values):
+                    compact = re.sub(r"\s+", "", header)
+                    if any(keyword in compact for keyword in ("P1-P3", "其他员工")):
+                        band_indexes["junior"] = column_index
+                    if any(keyword in compact for keyword in ("P4-P6", "基层经理", "中层经理")):
+                        band_indexes["mid"] = column_index
+                        band_indexes["senior"] = column_index
+                    if any(keyword in compact for keyword in ("P7", "高层经理", "公司级管理")):
+                        band_indexes["manager"] = column_index
+                        band_indexes["executive"] = column_index
+                if band_indexes:
+                    header_index = index
+                    break
+
+            if header_index < 0:
+                continue
+
+            for row in rows[header_index + 1 :]:
+                raw_city = str(row[city_index] or "").strip() if len(row) > city_index else ""
+                cities = ExpenseRuleRuntimeService._extract_city_names_from_cell(raw_city)
+                if not cities:
+                    continue
+                for city in cities:
+                    city_entry = city_limits.setdefault(city, {})
+                    for band, column_index in band_indexes.items():
+                        amount = ExpenseRuleRuntimeService._coerce_decimal_cell(
+                            row[column_index] if len(row) > column_index else None
+                        )
+                        if amount is not None:
+                            city_entry[band] = amount
+        return city_limits
+
+    @staticmethod
+    def _extract_travel_allowance_limits_from_workbook(workbook: Any) -> dict[str, dict[str, Decimal]]:
+        allowance_limits: dict[str, dict[str, Decimal]] = {}
+        for sheet in workbook.worksheets:
+            rows = list(sheet.iter_rows(values_only=True))
+            if not rows:
+                continue
+
+            header_index = -1
+            type_index = -1
+            region_indexes: dict[str, int] = {}
+            for index, row in enumerate(rows[:10]):
+                values = [str(value or "").strip() for value in row]
+                if "补助类型" not in values:
+                    continue
+                header_index = index
+                type_index = values.index("补助类型")
+                for column_index, header in enumerate(values):
+                    if column_index <= type_index:
+                        continue
+                    normalized = str(header or "").strip()
+                    if not normalized or normalized == "项目":
+                        continue
+                    region_indexes[normalized] = column_index
+                break
+
+            if header_index < 0 or type_index < 0 or not region_indexes:
+                continue
+
+            for row in rows[header_index + 1 :]:
+                raw_type = str(row[type_index] or "").strip() if len(row) > type_index else ""
+                allowance_key = ExpenseRuleRuntimeService._map_allowance_type_to_key(raw_type)
+                if not allowance_key:
+                    continue
+
+                entry: dict[str, Decimal] = {}
+                for region_label, column_index in region_indexes.items():
+                    amount = ExpenseRuleRuntimeService._coerce_decimal_cell(
+                        row[column_index] if len(row) > column_index else None
+                    )
+                    if amount is not None:
+                        entry[region_label] = amount
+                if entry:
+                    allowance_limits[allowance_key] = entry
+        return allowance_limits
+
+    @staticmethod
+    def _map_allowance_type_to_key(value: str) -> str:
+        normalized = re.sub(r"\s+", "", str(value or ""))
+        if "伙食" in normalized or "餐" in normalized:
+            return "meal"
+        if "基本" in normalized:
+            return "basic"
+        if "合计" in normalized or "总计" in normalized:
+            return "total"
+        return ""
+
+    @staticmethod
+    def _extract_transport_class_limits_from_workbook(workbook: Any) -> dict[str, dict[str, int]]:
+        limits: dict[str, dict[str, int]] = {}
+        for sheet in workbook.worksheets:
+            rows = list(sheet.iter_rows(values_only=True))
+            if not rows:
+                continue
+
+            employee_index = -1
+            flight_index = -1
+            train_index = -1
+            for row_index, row in enumerate(rows[:10]):
+                values = [str(value or "").strip() for value in row]
+                if "员工职级" in values:
+                    employee_index = values.index("员工职级")
+                    for next_row in rows[row_index + 1 : row_index + 4]:
+                        next_values = [str(value or "").strip() for value in next_row]
+                        if "飞机" in next_values:
+                            flight_index = next_values.index("飞机")
+                        if "火车" in next_values:
+                            train_index = next_values.index("火车")
+                        if flight_index >= 0 and train_index >= 0:
+                            break
+                    break
+
+            if employee_index < 0 or (flight_index < 0 and train_index < 0):
+                continue
+
+            for row in rows:
+                employee_text = str(row[employee_index] or "").strip() if len(row) > employee_index else ""
+                bands = ExpenseRuleRuntimeService._map_transport_grade_row_to_bands(employee_text)
+                if not bands:
+                    continue
+                flight_level = (
+                    ExpenseRuleRuntimeService._transport_class_level_for_text(
+                        row[flight_index] if len(row) > flight_index else None,
+                        kind="flight",
+                    )
+                    if flight_index >= 0
+                    else None
+                )
+                train_level = (
+                    ExpenseRuleRuntimeService._transport_class_level_for_text(
+                        row[train_index] if len(row) > train_index else None,
+                        kind="train",
+                    )
+                    if train_index >= 0
+                    else None
+                )
+                for band in bands:
+                    entry = limits.setdefault(band, {})
+                    if flight_level is not None:
+                        entry["flight"] = flight_level
+                    if train_level is not None:
+                        entry["train"] = train_level
+        return limits
+
+    @staticmethod
+    def _map_transport_grade_row_to_bands(value: str) -> list[str]:
+        normalized = re.sub(r"\s+", "", str(value or "").upper())
+        if not normalized or normalized.startswith("注"):
+            return []
+        bands: list[str] = []
+        if any(keyword in normalized for keyword in ("P1", "P2", "P3", "P4", "其他员工", "基层经理", "P4及以下")):
+            bands.extend(["junior", "mid"])
+        if any(keyword in normalized for keyword in ("P5", "P6", "P7", "P5及以上", "中层经理", "高层经理", "公司级")):
+            bands.extend(["mid", "senior", "manager", "executive"])
+        return list(dict.fromkeys(bands))
+
+    @staticmethod
+    def _transport_class_level_for_text(value: Any, *, kind: str) -> int | None:
+        normalized = re.sub(r"\s+", "", str(value or ""))
+        if not normalized:
+            return None
+        if kind == "flight":
+            if any(keyword in normalized for keyword in ("头等舱",)):
+                return 4
+            if any(keyword in normalized for keyword in ("公务舱", "商务舱")):
+                return 3
+            if any(keyword in normalized for keyword in ("超级经济舱", "高端经济舱", "明珠经济舱")):
+                return 2
+            if "经济舱" in normalized:
+                return 1
+        if kind == "train":
+            if "商务座" in normalized:
+                return 3
+            if any(keyword in normalized for keyword in ("一等座", "软卧")):
+                return 2
+            if any(keyword in normalized for keyword in ("二等座", "二等软座", "硬卧", "硬座", "硬席")):
+                return 1
+        return None
+
+    @staticmethod
+    def _extract_city_names_from_cell(value: str) -> list[str]:
+        normalized = re.sub(r"[；;，,、/]+", "、", str(value or "").strip())
+        if not normalized:
+            return []
+        names: list[str] = []
+        for part in normalized.split("、"):
+            cleaned = re.sub(r"\s+", "", part)
+            cleaned = re.sub(r"[（(].*?[）)]", "", cleaned)
+            if not cleaned or any(keyword in cleaned for keyword in ("不含", "中心城区", "新区")):
+                continue
+            if len(cleaned) <= 12:
+                names.append(cleaned)
+        return list(dict.fromkeys(names))
+
+    @staticmethod
+    def _coerce_decimal_cell(value: Any) -> Decimal | None:
+        if value is None:
+            return None
+        try:
+            return Decimal(str(value).strip()).quantize(Decimal("0.01"))
+        except (ArithmeticError, ValueError):
+            return None
+
+    @staticmethod
+    def _extract_first_standard_amount(text: str) -> Decimal | None:
+        match = re.search(r"([0-9]+(?:\.[0-9]{1,2})?)\s*/\s*(?:天|人|晚|次|笔)", str(text or ""))
+        if match is None:
+            match = re.search(r"([0-9]+(?:\.[0-9]{1,2})?)", str(text or ""))
+        if match is None:
+            return None
+        try:
+            return Decimal(match.group(1)).quantize(Decimal("0.01"))
+        except (ArithmeticError, ValueError):
+            return None
+
+    @staticmethod
+    def _map_spreadsheet_category_to_expense_type(category: str) -> str:
+        normalized = re.sub(r"\s+", "", str(category or ""))
+        if any(keyword in normalized for keyword in ("市内交通", "打车", "网约车", "出租车")):
+            return "transport"
+        if "招待" in normalized and "餐" in normalized:
+            return "entertainment"
+        if "餐补" in normalized or normalized == "餐费":
+            return "meal"
+        return ""
+
+    @staticmethod
+    def _spreadsheet_metric_label(expense_type: str) -> str:
+        return {
+            "transport": "单笔交通金额",
+            "meal": "差旅餐补金额",
+            "entertainment": "人均招待餐费",
+        }.get(expense_type, "金额")
+
+    @staticmethod
+    def _replace_amount_limit_warn_amount(
+        base_limit: AmountLimitConfig | None,
+        *,
+        amount: Decimal,
+        metric_label: str,
+    ) -> AmountLimitConfig:
+        if base_limit is None:
+            return AmountLimitConfig(
+                warn_amount=amount,
+                block_amount=None,
+                metric_label=metric_label,
+            )
+        payload = base_limit.model_dump()
+        payload["warn_amount"] = amount
+        payload["metric_label"] = metric_label
+        return AmountLimitConfig(**payload)

server/src/app/services/ocr.py

@@ -2,6 +2,7 @@ from __future__ import annotations
 
 import base64
 import json
+import re
 import shutil
 import subprocess
 from dataclasses import dataclass, field
@@ -27,6 +28,7 @@ class PreparedOcrInput:
     page_index: int | None = None
     preview_kind: str = ""
     preview_data_url: str = ""
+    text_layer: str = ""
 
 
 @dataclass(slots=True)
@@ -38,6 +40,7 @@ class AggregatedOcrDocument:
     model: str = "PP-OCRv5_mobile"
     summary_fragments: list[str] = field(default_factory=list)
     text_fragments: list[str] = field(default_factory=list)
+    text_layer_fragments: list[str] = field(default_factory=list)
     score_values: list[float] = field(default_factory=list)
     warnings: list[str] = field(default_factory=list)
     lines: list[OcrRecognizeLineRead] = field(default_factory=list)
@@ -112,12 +115,14 @@ class OcrService:
 
                 if suffix == ".pdf":
                     try:
+                        text_layer = self._extract_pdf_text_layer(temp_path)
                         prepared_inputs.extend(
                             self._prepare_pdf_inputs(
                                 pdf_path=temp_path,
                                 filename=normalized_name,
                                 media_type=resolved_media_type,
                                 cleanup_paths=cleanup_paths,
+                                text_layer=text_layer,
                             )
                         )
                     except RuntimeError as exc:
@@ -261,6 +266,7 @@ class OcrService:
         filename: str,
         media_type: str,
         cleanup_paths: list[Path],
+        text_layer: str = "",
     ) -> list[PreparedOcrInput]:
         output_dir = pdf_path.with_suffix("")
         output_dir.mkdir(parents=True, exist_ok=True)
@@ -283,10 +289,33 @@ class OcrService:
                     page_index=page_index,
                     preview_kind="image" if page_index == 0 else "",
                     preview_data_url=preview_data_url if page_index == 0 else "",
+                    text_layer=text_layer if page_index == 0 else "",
                 )
             )
         return descriptors
 
+    def _extract_pdf_text_layer(self, pdf_path: Path) -> str:
+        try:
+            completed = subprocess.run(
+                [
+                    "pdftotext",
+                    "-layout",
+                    str(pdf_path),
+                    "-",
+                ],
+                capture_output=True,
+                text=True,
+                timeout=self.settings.ocr_timeout_seconds,
+                check=False,
+            )
+        except (OSError, subprocess.SubprocessError, UnicodeError):
+            return ""
+
+        if completed.returncode != 0:
+            return ""
+
+        return self._normalize_extracted_text(completed.stdout)
+
     def _convert_pdf_to_images(self, *, pdf_path: Path, output_dir: Path) -> list[Path]:
         prefix = output_dir / "page"
         completed = subprocess.run(
@@ -367,6 +396,8 @@ class OcrService:
                 aggregated.preview_kind = descriptor.preview_kind
             if descriptor.preview_data_url and not aggregated.preview_data_url:
                 aggregated.preview_data_url = descriptor.preview_data_url
+            if descriptor.text_layer and descriptor.text_layer not in aggregated.text_layer_fragments:
+                aggregated.text_layer_fragments.append(descriptor.text_layer)
 
             page_summary = str(payload.get("summary", "") or "").strip()
             if page_summary:
@@ -401,6 +432,20 @@ class OcrService:
             aggregated = aggregated_by_source.get(source_key)
             if aggregated is None:
                 first_descriptor = descriptors[0]
+                text_layer = self._collect_descriptor_text_layer(descriptors)
+                if text_layer:
+                    fallback = AggregatedOcrDocument(
+                        filename=first_descriptor.filename,
+                        media_type=first_descriptor.media_type,
+                        source_key=first_descriptor.source_key,
+                        page_count=max(1, len(descriptors)),
+                        preview_kind=first_descriptor.preview_kind,
+                        preview_data_url=first_descriptor.preview_data_url,
+                        warnings=["OCR worker 未返回该文件的识别结果，已使用 PDF 文本层。"],
+                    )
+                    fallback.text_layer_fragments.append(text_layer)
+                    documents.append(self._finalize_document(fallback))
+                    continue
                 documents.append(
                     OcrRecognizeDocumentRead(
                         filename=first_descriptor.filename,
@@ -416,6 +461,13 @@ class OcrService:
 
         return documents
 
+    @staticmethod
+    def _collect_descriptor_text_layer(descriptors: list[PreparedOcrInput]) -> str:
+        for descriptor in descriptors:
+            if descriptor.text_layer:
+                return descriptor.text_layer
+        return ""
+
     @staticmethod
     def _build_lines(
         items: list[dict],
@@ -451,13 +503,26 @@ class OcrService:
         return summary
 
     def _finalize_document(self, aggregated: AggregatedOcrDocument) -> OcrRecognizeDocumentRead:
-        full_text = "\n".join(fragment for fragment in aggregated.text_fragments if fragment).strip()
+        ocr_text = "\n".join(fragment for fragment in aggregated.text_fragments if fragment).strip()
+        text_layer = "\n".join(fragment for fragment in aggregated.text_layer_fragments if fragment).strip()
+        full_text, used_text_layer = self._choose_document_text(ocr_text=ocr_text, text_layer=text_layer)
         summary = self._truncate_summary(aggregated.summary_fragments or aggregated.text_fragments)
+        if used_text_layer or self._placeholder_ratio(summary) >= 0.12:
+            summary = self._summarize_text(full_text)
+        preview_kind = aggregated.preview_kind
+        preview_data_url = aggregated.preview_data_url
+        if (
+            used_text_layer
+            and aggregated.media_type == "application/pdf"
+            and self._placeholder_ratio(ocr_text) >= 0.12
+        ):
+            preview_kind = ""
+            preview_data_url = ""
         insight = self.document_intelligence_service.build_document_insight(
             filename=aggregated.filename,
             summary=summary,
             text=full_text,
-            preview_data_url=aggregated.preview_data_url,
+            preview_data_url=preview_data_url,
         )
         warnings = list(aggregated.warnings)
         for warning in insight.warnings:
@@ -493,8 +558,8 @@ class OcrService:
                 )
                 for field in insight.fields
             ],
-            preview_kind=aggregated.preview_kind,
-            preview_data_url=aggregated.preview_data_url,
+            preview_kind=preview_kind,
+            preview_data_url=preview_data_url,
             warnings=warnings,
             lines=sorted(
                 aggregated.lines,
@@ -502,6 +567,45 @@ class OcrService:
             ),
         )
 
+    @classmethod
+    def _choose_document_text(cls, *, ocr_text: str, text_layer: str) -> tuple[str, bool]:
+        normalized_ocr_text = cls._normalize_extracted_text(ocr_text)
+        normalized_text_layer = cls._normalize_extracted_text(text_layer)
+        if not normalized_text_layer:
+            return normalized_ocr_text, False
+        if not normalized_ocr_text:
+            return normalized_text_layer, True
+        if cls._placeholder_ratio(normalized_ocr_text) >= 0.12 and cls._meaningful_char_count(normalized_text_layer) >= 8:
+            return normalized_text_layer, True
+        if cls._meaningful_char_count(normalized_text_layer) > cls._meaningful_char_count(normalized_ocr_text) * 1.3:
+            return normalized_text_layer, True
+        return normalized_ocr_text, False
+
+    @staticmethod
+    def _normalize_extracted_text(value: str) -> str:
+        lines = [re.sub(r"[ \t]+", " ", line).strip() for line in str(value or "").replace("\r", "\n").split("\n")]
+        return "\n".join(line for line in lines if line).strip()
+
+    @staticmethod
+    def _summarize_text(value: str) -> str:
+        lines = [line.strip() for line in str(value or "").splitlines() if line.strip()]
+        summary = "；".join(lines[:3])
+        if len(summary) > 180:
+            return f"{summary[:177]}..."
+        return summary
+
+    @staticmethod
+    def _meaningful_char_count(value: str) -> int:
+        return len(re.findall(r"[0-9A-Za-z\u4e00-\u9fff]", str(value or "")))
+
+    @staticmethod
+    def _placeholder_ratio(value: str) -> float:
+        chars = [char for char in str(value or "") if not char.isspace()]
+        if not chars:
+            return 0.0
+        placeholder_count = sum(1 for char in chars if char in {"□", "<EFBFBD>"})
+        return placeholder_count / len(chars)
+
     @staticmethod
     def _cleanup_temp_paths(paths: list[Path]) -> None:
         for path in reversed(paths):

server/src/app/services/travel_reimbursement_calculator.py

@@ -0,0 +1,593 @@
+from __future__ import annotations
+
+import re
+from decimal import Decimal
+
+from sqlalchemy import func, or_, select
+from sqlalchemy.orm import Session
+
+from app.api.deps import CurrentUserContext
+from app.core.agent_enums import AgentAssetType
+from app.models.employee import Employee
+from app.schemas.reimbursement import (
+    TravelReimbursementCalculatorRequest,
+    TravelReimbursementCalculatorResponse,
+)
+from app.services.agent_assets import AgentAssetService
+from app.services.expense_claims import ExpenseClaimService
+from app.services.expense_rule_runtime import RuntimeTravelPolicy, ExpenseRuleRuntimeService
+
+OTHER_REGION_LOCATION_KEYWORDS = {
+    "河北",
+    "石家庄",
+    "唐山",
+    "秦皇岛",
+    "邯郸",
+    "邢台",
+    "保定",
+    "张家口",
+    "承德",
+    "沧州",
+    "廊坊",
+    "衡水",
+    "山西",
+    "太原",
+    "大同",
+    "长治",
+    "晋城",
+    "晋中",
+    "运城",
+    "临汾",
+    "吕梁",
+    "内蒙古",
+    "呼和浩特",
+    "包头",
+    "赤峰",
+    "通辽",
+    "鄂尔多斯",
+    "辽宁",
+    "鞍山",
+    "抚顺",
+    "本溪",
+    "丹东",
+    "锦州",
+    "营口",
+    "盘锦",
+    "吉林",
+    "长春",
+    "吉林市",
+    "四平",
+    "通化",
+    "白山",
+    "松原",
+    "延边",
+    "黑龙江",
+    "哈尔滨",
+    "齐齐哈尔",
+    "牡丹江",
+    "佳木斯",
+    "大庆",
+    "江苏",
+    "常州",
+    "南通",
+    "连云港",
+    "淮安",
+    "盐城",
+    "扬州",
+    "镇江",
+    "泰州",
+    "宿迁",
+    "浙江",
+    "温州",
+    "嘉兴",
+    "湖州",
+    "绍兴",
+    "金华",
+    "衢州",
+    "舟山",
+    "台州",
+    "丽水",
+    "安徽",
+    "芜湖",
+    "蚌埠",
+    "淮南",
+    "马鞍山",
+    "淮北",
+    "铜陵",
+    "安庆",
+    "黄山",
+    "滁州",
+    "阜阳",
+    "宿州",
+    "六安",
+    "亳州",
+    "池州",
+    "宣城",
+    "福建",
+    "泉州",
+    "漳州",
+    "莆田",
+    "三明",
+    "南平",
+    "龙岩",
+    "宁德",
+    "江西",
+    "南昌",
+    "景德镇",
+    "萍乡",
+    "九江",
+    "新余",
+    "鹰潭",
+    "赣州",
+    "吉安",
+    "宜春",
+    "抚州",
+    "上饶",
+    "山东",
+    "淄博",
+    "枣庄",
+    "东营",
+    "烟台",
+    "潍坊",
+    "济宁",
+    "泰安",
+    "威海",
+    "日照",
+    "临沂",
+    "德州",
+    "聊城",
+    "滨州",
+    "菏泽",
+    "河南",
+    "洛阳",
+    "开封",
+    "平顶山",
+    "安阳",
+    "鹤壁",
+    "新乡",
+    "焦作",
+    "濮阳",
+    "许昌",
+    "漯河",
+    "三门峡",
+    "南阳",
+    "商丘",
+    "信阳",
+    "周口",
+    "驻马店",
+    "湖北",
+    "黄石",
+    "十堰",
+    "宜昌",
+    "襄阳",
+    "鄂州",
+    "荆门",
+    "孝感",
+    "荆州",
+    "黄冈",
+    "咸宁",
+    "随州",
+    "恩施",
+    "湖南",
+    "株洲",
+    "湘潭",
+    "衡阳",
+    "邵阳",
+    "岳阳",
+    "常德",
+    "张家界",
+    "益阳",
+    "郴州",
+    "永州",
+    "怀化",
+    "娄底",
+    "湘西",
+    "广东",
+    "惠州",
+    "江门",
+    "湛江",
+    "茂名",
+    "肇庆",
+    "梅州",
+    "汕尾",
+    "河源",
+    "阳江",
+    "清远",
+    "潮州",
+    "揭阳",
+    "云浮",
+    "广西",
+    "南宁",
+    "柳州",
+    "桂林",
+    "梧州",
+    "北海",
+    "防城港",
+    "钦州",
+    "贵港",
+    "玉林",
+    "百色",
+    "贺州",
+    "河池",
+    "来宾",
+    "崇左",
+    "海南",
+    "儋州",
+    "四川",
+    "自贡",
+    "攀枝花",
+    "泸州",
+    "德阳",
+    "绵阳",
+    "广元",
+    "遂宁",
+    "内江",
+    "乐山",
+    "南充",
+    "眉山",
+    "宜宾",
+    "广安",
+    "达州",
+    "雅安",
+    "巴中",
+    "资阳",
+    "阿坝",
+    "甘孜",
+    "凉山",
+    "贵州",
+    "贵阳",
+    "遵义",
+    "六盘水",
+    "安顺",
+    "毕节",
+    "铜仁",
+    "黔东南",
+    "黔南",
+    "黔西南",
+    "云南",
+    "曲靖",
+    "玉溪",
+    "保山",
+    "昭通",
+    "丽江",
+    "普洱",
+    "临沧",
+    "楚雄",
+    "红河",
+    "文山",
+    "西双版纳",
+    "大理",
+    "德宏",
+    "怒江",
+    "迪庆",
+    "陕西",
+    "宝鸡",
+    "咸阳",
+    "铜川",
+    "渭南",
+    "延安",
+    "汉中",
+    "榆林",
+    "安康",
+    "商洛",
+    "甘肃",
+    "兰州",
+    "嘉峪关",
+    "金昌",
+    "白银",
+    "天水",
+    "武威",
+    "张掖",
+    "平凉",
+    "酒泉",
+    "庆阳",
+    "定西",
+    "陇南",
+    "临夏",
+    "甘南",
+    "青海",
+    "西宁",
+    "海东",
+    "海北",
+    "黄南",
+    "海南州",
+    "果洛",
+    "玉树",
+    "海西",
+    "宁夏",
+    "银川",
+    "石嘴山",
+    "吴忠",
+    "固原",
+    "中卫",
+}
+
+OTHER_REGION_PROVINCE_KEYWORDS = {
+    "河北",
+    "山西",
+    "内蒙古",
+    "辽宁",
+    "吉林",
+    "黑龙江",
+    "江苏",
+    "浙江",
+    "安徽",
+    "福建",
+    "江西",
+    "山东",
+    "河南",
+    "湖北",
+    "湖南",
+    "广东",
+    "广西",
+    "海南",
+    "四川",
+    "贵州",
+    "云南",
+    "陕西",
+    "甘肃",
+    "青海",
+    "宁夏",
+    "新疆",
+    "西藏",
+    "台湾",
+    "香港",
+    "澳门",
+}
+
+AMBIGUOUS_PROVINCE_CITY_NAMES = {"吉林"}
+
+
+class TravelReimbursementCalculatorService:
+    def __init__(self, db: Session) -> None:
+        self.db = db
+
+    def calculate(
+        self,
+        payload: TravelReimbursementCalculatorRequest,
+        current_user: CurrentUserContext,
+    ) -> TravelReimbursementCalculatorResponse:
+        days = max(1, int(payload.days))
+        location = str(payload.location or "").strip()
+        if not location:
+            raise ValueError("请先填写出差地点。")
+
+        policy = self._load_travel_policy()
+        grade = self._resolve_grade(payload.grade, current_user)
+        if not grade:
+            raise ValueError("未识别到当前员工职级，请在个人信息中维护职级后再计算。")
+
+        grade_band = ExpenseClaimService._resolve_travel_policy_band(grade)
+        if not grade_band:
+            raise ValueError(f"当前职级 {grade} 暂未匹配到差旅报销档位。")
+
+        matched_city = self._resolve_city(location, policy)
+        matched_other_region = "" if matched_city else self._resolve_other_region(location)
+        if not matched_city and not matched_other_region:
+            raise ValueError(f"出差地点“{location}”未识别为有效出差地区，请按真实省市或规则表地点重新填写。")
+        city_tier = policy.city_tiers.get(matched_city, "tier_3") if matched_city else "tier_3"
+        hotel_rate = self._resolve_hotel_rate(policy, grade_band, matched_city, city_tier)
+        allowance_region = self._resolve_allowance_region(location, matched_city or matched_other_region)
+        meal_rate = self._resolve_allowance_rate(policy, "meal", allowance_region)
+        basic_rate = self._resolve_allowance_rate(policy, "basic", allowance_region)
+        total_allowance_rate = self._resolve_total_allowance_rate(policy, allowance_region, meal_rate, basic_rate)
+
+        hotel_amount = hotel_rate * Decimal(days)
+        allowance_amount = total_allowance_rate * Decimal(days)
+        total_amount = hotel_amount + allowance_amount
+        band_label = policy.band_labels.get(grade_band, grade_band)
+        rule_name = policy.standard_rule_name or policy.rule_name or "公司差旅费报销规则"
+        rule_version = policy.standard_rule_version or policy.rule_version or ""
+        display_city = matched_city or self._format_other_region_display(matched_other_region)
+        formula_text = (
+            f"住宿 {self._format_money(hotel_rate)} × {days} 天 + "
+            f"补贴 {self._format_money(total_allowance_rate)} × {days} 天 = "
+            f"{self._format_money(total_amount)}"
+        )
+        summary_text = (
+            f"按《{rule_name}》{f'（{rule_version}）' if rule_version else ''}测算："
+            f"当前职级 {grade} 对应 {band_label} 档，出差地点“{location}”匹配为“{display_city}”，"
+            f"住宿标准 {self._format_money(hotel_rate)} 元/天，补贴区域为“{allowance_region}”，"
+            f"补贴标准 {self._format_money(total_allowance_rate)} 元/天"
+            f"（伙食 {self._format_money(meal_rate)} + 基本 {self._format_money(basic_rate)}）。"
+            f"按 {days} 天计算，住宿合计 {self._format_money(hotel_amount)} 元，"
+            f"补贴合计 {self._format_money(allowance_amount)} 元，"
+            f"参考可报销总金额为 {self._format_money(total_amount)} 元。"
+        )
+
+        return TravelReimbursementCalculatorResponse(
+            days=days,
+            location=location,
+            matched_city=display_city,
+            city_tier=city_tier,
+            grade=grade,
+            grade_band=grade_band,
+            grade_band_label=band_label,
+            hotel_rate=hotel_rate,
+            hotel_amount=hotel_amount,
+            allowance_region=allowance_region,
+            meal_allowance_rate=meal_rate,
+            basic_allowance_rate=basic_rate,
+            total_allowance_rate=total_allowance_rate,
+            allowance_amount=allowance_amount,
+            total_amount=total_amount,
+            rule_name=rule_name,
+            rule_version=rule_version,
+            formula_text=formula_text,
+            summary_text=summary_text,
+        )
+
+    def _load_travel_policy(self) -> RuntimeTravelPolicy:
+        AgentAssetService(self.db).list_assets(asset_type=AgentAssetType.RULE.value)
+        policy = ExpenseRuleRuntimeService(self.db).load_catalog().travel_policy
+        if policy is None:
+            raise ValueError("规则中心暂未配置差旅报销规则。")
+        return policy
+
+    def _resolve_grade(
+        self,
+        grade: str | None,
+        current_user: CurrentUserContext,
+    ) -> str:
+        normalized_grade = str(grade or "").strip()
+        if normalized_grade:
+            return normalized_grade
+
+        employee = self._resolve_current_employee(current_user)
+        if employee is not None and str(employee.grade or "").strip():
+            return str(employee.grade).strip()
+        return ""
+
+    @staticmethod
+    def _resolve_other_region(location: str) -> str:
+        normalized = re.sub(r"\s+", "", str(location or "").strip())
+        if not normalized:
+            return ""
+        if any(keyword in normalized for keyword in ("国外", "境外", "海外")):
+            return "国外"
+        for keyword in ("香港", "澳门", "台湾", "港澳台", "西藏", "拉萨", "新疆", "乌鲁木齐"):
+            if keyword in normalized:
+                return keyword
+        city_matches = []
+        province_matches = []
+        for keyword in OTHER_REGION_LOCATION_KEYWORDS:
+            if not keyword or keyword not in normalized:
+                continue
+            if keyword in OTHER_REGION_PROVINCE_KEYWORDS:
+                province_matches.append(keyword)
+            else:
+                city_matches.append(keyword)
+        candidates = city_matches or province_matches
+        if candidates:
+            return sorted(candidates, key=len, reverse=True)[0]
+        return ""
+
+    @staticmethod
+    def _format_other_region_display(region: str) -> str:
+        normalized = str(region or "").strip()
+        if not normalized:
+            return ""
+        if normalized in {"国外", "香港", "澳门", "台湾", "港澳台", "西藏", "拉萨", "新疆", "乌鲁木齐"}:
+            return normalized
+        return f"{normalized}（其他地区）"
+
+    def _resolve_current_employee(self, current_user: CurrentUserContext) -> Employee | None:
+        candidates = [
+            str(current_user.username or "").strip(),
+            str(current_user.name or "").strip(),
+        ]
+        normalized_candidates = [
+            item
+            for item in dict.fromkeys(candidate for candidate in candidates if candidate)
+            if item
+        ]
+        if not normalized_candidates:
+            return None
+
+        for candidate in normalized_candidates:
+            employee = self.db.scalar(
+                select(Employee)
+                .where(
+                    or_(
+                        func.lower(Employee.email) == candidate.lower(),
+                        func.lower(Employee.employee_no) == candidate.lower(),
+                    )
+                )
+                .limit(1)
+            )
+            if employee is not None:
+                return employee
+
+        for candidate in normalized_candidates:
+            matches = list(
+                self.db.scalars(
+                    select(Employee)
+                    .where(Employee.name == candidate)
+                    .limit(2)
+                ).all()
+            )
+            if len(matches) == 1:
+                return matches[0]
+        return None
+
+    @staticmethod
+    def _resolve_city(location: str, policy: RuntimeTravelPolicy) -> str:
+        normalized = str(location or "").strip()
+        if not normalized:
+            return ""
+        city_names = set(policy.city_tiers.keys())
+        city_names.update(policy.hotel_city_limits.keys())
+        for city in sorted(city_names, key=lambda item: len(item), reverse=True):
+            if city in AMBIGUOUS_PROVINCE_CITY_NAMES and normalized != city and f"{city}市" not in normalized:
+                continue
+            if city and city in normalized:
+                return city
+        compact = re.sub(r"(省|市|区|县|自治州|特别行政区)$", "", normalized)
+        for city in sorted(city_names, key=lambda item: len(item), reverse=True):
+            if city in AMBIGUOUS_PROVINCE_CITY_NAMES and compact != city and f"{city}市" not in normalized:
+                continue
+            if city and city in compact:
+                return city
+        return ""
+
+    @staticmethod
+    def _resolve_hotel_rate(
+        policy: RuntimeTravelPolicy,
+        grade_band: str,
+        matched_city: str,
+        city_tier: str,
+    ) -> Decimal:
+        city_limits = policy.hotel_city_limits.get(matched_city, {}) if matched_city else {}
+        if city_limits.get(grade_band) is not None:
+            return Decimal(city_limits[grade_band])
+
+        band_limits = policy.hotel_limits.get(grade_band, {})
+        if band_limits.get(city_tier) is not None:
+            return Decimal(band_limits[city_tier])
+        if band_limits.get("tier_3") is not None:
+            return Decimal(band_limits["tier_3"])
+        return Decimal("0")
+
+    @staticmethod
+    def _resolve_allowance_region(location: str, matched_city: str) -> str:
+        text = f"{location} {matched_city}".strip()
+        if any(keyword in text for keyword in ("国外", "境外", "海外")):
+            return "国外"
+        if any(keyword in text for keyword in ("香港", "澳门", "台湾", "港澳台")):
+            return "港澳台"
+        if "乌鲁木齐" in text:
+            return "新疆-乌鲁木齐"
+        if "新疆" in text:
+            return "新疆-其他"
+        if "西藏" in text or "拉萨" in text:
+            return "西藏"
+        if any(keyword in text for keyword in ("北京", "上海", "天津", "重庆", "深圳", "珠海", "汕头", "厦门")):
+            return "直辖市/特区"
+        return "其他地区"
+
+    @staticmethod
+    def _resolve_allowance_rate(policy: RuntimeTravelPolicy, allowance_key: str, region: str) -> Decimal:
+        limits = policy.allowance_limits.get(allowance_key, {})
+        if limits.get(region) is not None:
+            return Decimal(limits[region])
+        if limits.get("其他地区") is not None:
+            return Decimal(limits["其他地区"])
+        return Decimal("0")
+
+    def _resolve_total_allowance_rate(
+        self,
+        policy: RuntimeTravelPolicy,
+        region: str,
+        meal_rate: Decimal,
+        basic_rate: Decimal,
+    ) -> Decimal:
+        total_limits = policy.allowance_limits.get("total", {})
+        if total_limits.get(region) is not None:
+            return Decimal(total_limits[region])
+        if total_limits.get("其他地区") is not None:
+            return Decimal(total_limits["其他地区"])
+        return meal_rate + basic_rate
+
+    @staticmethod
+    def _format_money(value: Decimal | int | float | str) -> str:
+        return f"{Decimal(str(value)).quantize(Decimal('0.01'))}"

server/src/app/services/user_agent.py

@@ -34,6 +34,7 @@ from app.schemas.user_agent import (
 from app.services.agent_assets import AgentAssetService
 from app.services.agent_foundation import AgentFoundationService
 from app.services.expense_claims import ExpenseClaimService
+from app.services.expense_rule_runtime import ExpenseRuleRuntimeService, RuntimeTravelPolicy, resolve_document_type_label
 from app.services.risk_ontology_bridge import resolve_rule_codes_for_risk_check
 from app.services.runtime_chat import RuntimeChatService
 
@@ -185,6 +186,7 @@ DOCUMENT_AMOUNT_PATTERN = re.compile(
     r"[：:\s￥¥人民币]*([0-9]+(?:[.,][0-9]{1,2})?)"
 )
 DOCUMENT_CURRENCY_AMOUNT_PATTERN = re.compile(r"[￥¥]\s*([0-9]+(?:[.,][0-9]{1,2})?)")
+TRAVEL_REVIEW_HOTEL_NIGHT_PATTERN = re.compile(r"(\d+)\s*(?:晚|间夜)")
 
 SOURCE_LABELS = {
     "user_text": "用户描述",
@@ -197,6 +199,8 @@ SOURCE_LABELS = {
     "system": "系统判断",
 }
 
+DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = ("历史报销画像", "用户画像", "制度注意事项", "制度注意")
+
 SCENE_REQUIRED_SLOT_KEYS = {
     "hotel": {"merchant_name"},
     "meeting": {"location"},
@@ -2193,8 +2197,8 @@ class UserAgentService:
         for reason in self._resolve_submission_blocked_reasons(payload):
             briefs.append(
                 UserAgentReviewRiskBrief(
-                    title="AI预审未通过",
-                    level="high",
+                    title="提交风险提示",
+                    level=self._resolve_submission_blocked_risk_level(reason),
                     content=reason,
                     detail=(
                         "该项属于提交审批前的阻断条件。系统会先要求补齐基础字段、附件或业务说明，"
@@ -2204,6 +2208,14 @@ class UserAgentService:
                 )
             )
 
+        briefs.extend(
+            self._build_travel_policy_precheck_briefs(
+                payload,
+                document_cards=document_cards,
+                claim_groups=claim_groups,
+            )
+        )
+
         employee = self._resolve_employee_profile(payload)
         employee_name = (
             str(employee.name).strip()
@@ -2211,7 +2223,10 @@ class UserAgentService:
             else self._collect_entity_values(payload).get("employee_name")
             or str(payload.context_json.get("name") or "").strip()
         )
-        if employee_name:
+        current_amount = self._resolve_amount_value(payload) or sum(
+            self._extract_amount_from_card(card) for card in document_cards
+        )
+        if employee_name and current_amount > 0:
             since = datetime.now(UTC) - timedelta(days=90)
             claim_identity_conditions = [ExpenseClaim.employee_name == employee_name]
             if employee is not None:
@@ -2228,57 +2243,27 @@ class UserAgentService:
             stmt = select(ExpenseClaim).where(or_(*claim_identity_conditions), ExpenseClaim.occurred_at >= since)
             recent_claims = list(self.db.scalars(stmt).all())
             if recent_claims:
-                risky_count = sum(1 for item in recent_claims if item.risk_flags_json)
-                draft_count = sum(1 for item in recent_claims if item.status == "draft")
-                briefs.append(
-                    UserAgentReviewRiskBrief(
-                        title="历史报销画像",
-                        level="info",
-                        content=(
-                            f"{employee_name} 最近 90 天共有 {len(recent_claims)} 笔报销，"
-                            f"其中 {risky_count} 笔带风险标记，{draft_count} 笔仍处于草稿态。"
-                        ),
-                        detail=(
-                            "该画像来自员工近 90 天报销记录，用于辅助判断是否存在频繁草稿、"
-                            "历史风险或异常重复报销倾向，不会单独阻断审批。"
-                        ),
-                        suggestion="如历史记录中存在风险标记，本次提交时建议主动补充业务背景和票据说明。",
-                    )
+                duplicate_count = sum(
+                    1
+                    for item in recent_claims
+                    if abs(float(item.amount) - current_amount) < 0.01
                 )
-                current_amount = self._resolve_amount_value(payload)
-                if current_amount > 0:
-                    duplicate_count = sum(
-                        1
-                        for item in recent_claims
-                        if abs(float(item.amount) - current_amount) < 0.01
-                    )
-                    if duplicate_count:
-                        briefs.append(
-                            UserAgentReviewRiskBrief(
-                                title="金额重复预警",
-                                level="warning",
-                                content=(
-                                    f"近 90 天发现 {duplicate_count} 笔金额相同的报销记录，"
-                                    "提交前建议核对是否为重复报销或拆分不当。"
-                                ),
-                                detail=(
-                                    "系统将当前金额与近 90 天历史报销金额进行比对。金额完全一致不一定违规，"
-                                    "但在交通、餐饮、办公采购等场景中可能提示重复票据或拆分报销。"
-                                ),
-                                suggestion="核对历史单据与当前票据是否对应同一业务；如不是重复，请在事由中说明差异。",
-                            )
+                if duplicate_count:
+                    briefs.append(
+                        UserAgentReviewRiskBrief(
+                            title="金额重复预警",
+                            level="warning",
+                            content=(
+                                f"近 90 天发现 {duplicate_count} 笔金额相同的报销记录，"
+                                "提交前建议核对是否为重复报销或拆分不当。"
+                            ),
+                            detail=(
+                                "系统将当前金额与近 90 天历史报销金额进行比对。金额完全一致不一定违规，"
+                                "但在交通、餐饮、办公采购等场景中可能提示重复票据或拆分报销。"
+                            ),
+                            suggestion="核对历史单据与当前票据是否对应同一业务；如不是重复，请在事由中说明差异。",
                         )
-
-        if citations:
-            briefs.append(
-                UserAgentReviewRiskBrief(
-                    title="制度注意事项",
-                    level="info",
-                    content=citations[0].excerpt or f"请先核对 {citations[0].title} 的制度要求。",
-                    detail=f"本条来自规则或知识库引用：{citations[0].title}。提交前应确认当前单据符合该条口径。",
-                    suggestion="如当前场景与制度口径存在差异，请补充审批说明或选择更准确的报销分类。",
-                )
-            )
+                    )
 
         warning_count = sum(len(item.warnings) for item in document_cards)
         if warning_count:
@@ -2296,14 +2281,635 @@ class UserAgentService:
             briefs.append(
                 UserAgentReviewRiskBrief(
                     title="建议拆单",
-                    level="high",
+                    level="warning",
                     content=f"系统检测到 {len(claim_groups)} 类费用场景，建议拆成多张报销单后再提交。",
                     detail="同一批附件中包含多类费用场景时，混在一张报销单里会影响规则匹配、附件核验和审批归口。",
                     suggestion="按费用场景拆成多张报销单，分别确认金额、事由和附件归属。",
                 )
             )
 
-        return briefs[:4]
+        return self._filter_deprecated_review_risk_briefs(briefs)
+
+    @staticmethod
+    def _resolve_submission_blocked_risk_level(reason: str) -> str:
+        normalized = re.sub(r"\s+", "", str(reason or ""))
+        amount_keywords = ("金额", "超标", "费用", "价款", "票面金额", "单价", "合计")
+        return "high" if any(keyword in normalized for keyword in amount_keywords) else "warning"
+
+    @staticmethod
+    def _filter_deprecated_review_risk_briefs(
+        briefs: list[UserAgentReviewRiskBrief],
+    ) -> list[UserAgentReviewRiskBrief]:
+        filtered: list[UserAgentReviewRiskBrief] = []
+        for brief in briefs:
+            title = str(brief.title or "").strip()
+            if any(keyword in title for keyword in DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS):
+                continue
+            filtered.append(brief)
+        return filtered
+
+    def _build_travel_policy_precheck_briefs(
+        self,
+        payload: UserAgentRequest,
+        *,
+        document_cards: list[UserAgentReviewDocumentCard],
+        claim_groups: list[UserAgentReviewClaimGroup],
+    ) -> list[UserAgentReviewRiskBrief]:
+        if not document_cards or not self._is_travel_review_context(payload, document_cards, claim_groups):
+            return []
+
+        rule_catalog = ExpenseRuleRuntimeService(self.db).load_catalog()
+        policy = rule_catalog.travel_policy
+        if policy is None:
+            return []
+
+        employee = self._resolve_employee_profile(payload)
+        grade = self._resolve_review_employee_grade(payload, employee=employee)
+        grade_band = ExpenseClaimService._resolve_travel_policy_band(grade)
+        band_label = policy.band_labels.get(grade_band or "", grade or "当前职级")
+        declared_city = self._resolve_declared_travel_city(payload, policy)
+        reason_corpus = self._build_review_reason_corpus(payload)
+        has_exception_note = self._text_contains_any(reason_corpus, policy.standard_exception_keywords)
+        standard_rule_name = str(getattr(policy, "standard_rule_name", "") or policy.rule_name)
+        standard_rule_version = str(getattr(policy, "standard_rule_version", "") or policy.rule_version)
+
+        briefs: list[UserAgentReviewRiskBrief] = []
+        amount_measurement_lines: list[str] = []
+        seen_keys: set[str] = set()
+
+        def append_once(key: str, brief: UserAgentReviewRiskBrief) -> None:
+            if key in seen_keys:
+                return
+            seen_keys.add(key)
+            briefs.append(brief)
+
+        for card in document_cards:
+            document_type = str(card.document_type or "").strip().lower()
+            suggested_type = str(card.suggested_expense_type or "").strip().lower()
+            card_text = self._build_review_document_card_text(card)
+            document_type_label = resolve_document_type_label(document_type)
+            amount = self._extract_amount_decimal_from_card(card)
+
+            if self._is_review_hotel_card(card):
+                hotel_city = self._extract_policy_city_from_text(card_text, policy) or declared_city
+                city_tier = policy.city_tiers.get(hotel_city, "tier_3")
+                city_tier_label = self._format_travel_city_tier(city_tier)
+
+                if amount is None:
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别为{document_type_label}，但未识别到可核算金额，无法完成住宿差标测算。"
+                    )
+                    append_once(
+                        f"hotel-amount-missing-{card.index}",
+                        UserAgentReviewRiskBrief(
+                            title="住宿金额待补充",
+                            level="warning",
+                            content=f"{card.filename} 已识别为{document_type_label}，但未识别到可核算的住宿金额。",
+                            detail=(
+                                f"依据《{standard_rule_name}》（{standard_rule_version}），住宿票据需要按员工职级、城市级别和每晚金额进行差标核算。"
+                                "当前票据缺少金额，系统无法判断是否超出差旅标准。"
+                            ),
+                            suggestion="请在票据识别结果中补充或更正住宿金额，再继续核对报销单。",
+                        ),
+                    )
+                    continue
+
+                if grade_band is None:
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别住宿金额 {amount:.2f} 元，但缺少员工职级，无法匹配住宿标准。"
+                    )
+                    append_once(
+                        f"hotel-grade-missing-{card.index}",
+                        UserAgentReviewRiskBrief(
+                            title="职级信息待确认",
+                            level="warning",
+                            content=f"{card.filename} 已识别住宿金额 {amount:.2f} 元，但当前员工职级缺失，无法匹配住宿标准。",
+                            detail=(
+                                f"依据《{standard_rule_name}》（{standard_rule_version}），住宿标准按职级档位和城市级别配置。"
+                                "当前未能识别员工职级，因此无法完成创建前差标核算。"
+                            ),
+                            suggestion="请确认员工档案或页面上下文中的职级信息，再重新进行差旅规则预检。",
+                        ),
+                    )
+                    continue
+
+                cap = self._resolve_review_hotel_cap(
+                    policy,
+                    grade_band=grade_band,
+                    city=hotel_city,
+                    city_tier=city_tier,
+                )
+                if cap <= Decimal("0.00"):
+                    continue
+                night_count = self._extract_review_hotel_night_count(card)
+                nightly_amount = (amount / Decimal(max(night_count, 1))).quantize(Decimal("0.01"))
+                amount_measurement_lines.append(
+                    f"{card.filename}：识别为{document_type_label}，金额 {amount:.2f} 元，"
+                    f"按 {night_count} 晚折算 {nightly_amount:.2f} 元/晚；"
+                    f"适用标准为 {band_label}{city_tier_label} {cap:.2f} 元/晚，"
+                    f"{'超出标准' if nightly_amount > cap else '测算通过'}。"
+                )
+                if nightly_amount <= cap:
+                    continue
+
+                basis = (
+                    f"依据《{standard_rule_name}》（{standard_rule_version}），{band_label} 在{city_tier_label}"
+                    f"住宿标准为 {cap:.2f} 元/晚；{card.filename} 识别为{document_type_label}，"
+                    f"金额 {amount:.2f} 元，按 {night_count} 晚折算约 {nightly_amount:.2f} 元/晚。"
+                )
+                append_once(
+                    f"hotel-over-limit-{card.index}",
+                    UserAgentReviewRiskBrief(
+                        title="住宿超标待说明" if not has_exception_note else "住宿超标提醒",
+                        level="high",
+                        content=(
+                            f"{card.filename} 住宿金额约 {nightly_amount:.2f} 元/晚，"
+                            f"超过 {band_label} {city_tier_label}标准 {cap:.2f} 元/晚。"
+                        ),
+                        detail=(
+                            basis
+                            + (
+                                "当前未识别到超标说明，创建单据前需要先补充原因。"
+                                if not has_exception_note
+                                else "当前已识别到例外说明，后续仍需审批人重点复核。"
+                            )
+                        ),
+                        suggestion="补充超标说明、协议酒店满房/会议高峰等原因，或调整住宿金额后再继续。",
+                    ),
+                )
+                continue
+
+            if document_type == "meal_receipt":
+                allowance = self._resolve_review_travel_allowance_standard(
+                    policy,
+                    declared_city=declared_city,
+                    card_text=card_text,
+                )
+                if allowance is not None:
+                    region_label, standard_amount = allowance
+                    if amount is None:
+                        amount_measurement_lines.append(
+                            f"{card.filename}：识别为{document_type_label}，但未识别到可核算金额，无法按{region_label}伙食补助标准测算。"
+                        )
+                        append_once(
+                            f"travel-meal-amount-missing-{card.index}",
+                            UserAgentReviewRiskBrief(
+                                title="差旅餐饮金额待补充",
+                                level="high",
+                                content=f"{card.filename} 已识别为{document_type_label}，但未识别到可核算金额。",
+                                detail=(
+                                    f"依据《{standard_rule_name}》（{standard_rule_version}），差旅餐饮票据优先按出差补助标准中的伙食补助进行测算。"
+                                    f"当前匹配区域为{region_label}，但票据缺少金额，系统无法判断是否超出补助标准。"
+                                ),
+                                suggestion="请在票据识别结果中补充或更正餐饮金额，再继续创建报销单。",
+                            ),
+                        )
+                        continue
+
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别为{document_type_label}，金额 {amount:.2f} 元；"
+                        f"适用《{standard_rule_name}》{region_label}伙食补助标准 {standard_amount:.2f} 元/天，"
+                        f"{'超出标准' if amount > standard_amount else '测算通过'}。"
+                    )
+                    if amount > standard_amount:
+                        append_once(
+                            f"travel-meal-allowance-over-limit-{card.index}",
+                            UserAgentReviewRiskBrief(
+                                title="差旅餐饮金额超出伙食补助标准",
+                                level="high",
+                                content=(
+                                    f"{card.filename} 识别金额 {amount:.2f} 元，"
+                                    f"超过{region_label}伙食补助标准 {standard_amount:.2f} 元/天。"
+                                ),
+                                detail=(
+                                    f"依据《{standard_rule_name}》（{standard_rule_version}）的出差补助标准，"
+                                    f"{region_label}伙食补助为 {standard_amount:.2f} 元/天；"
+                                    f"当前票据类型识别为{document_type_label}，识别金额 {amount:.2f} 元。"
+                                    "首轮上传阶段按单张票据先行测算，后续可结合出差天数和实际餐补口径复核。"
+                                ),
+                                suggestion="如该票据属于差旅餐补，请调整金额或补充超标/拆分说明；如属于业务招待或普通餐费，请改为对应费用类型后再提交。",
+                            ),
+                        )
+                    continue
+
+            scene_code = self._resolve_review_amount_scene_code(card, payload)
+            scene_policy = rule_catalog.get_scene_policy(scene_code)
+            scene_limit = self._resolve_review_scene_amount_limit(scene_policy)
+            if scene_policy is not None and scene_limit is not None:
+                metric_label = str(getattr(scene_limit, "metric_label", "") or scene_policy.label or "金额").strip()
+                standard_amount = self._resolve_scene_standard_amount(scene_limit)
+                if amount is None:
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别为{document_type_label}，但未识别到可核算金额，无法按{metric_label}测算。"
+                    )
+                    append_once(
+                        f"{scene_code}-amount-missing-{card.index}",
+                        UserAgentReviewRiskBrief(
+                            title=f"{scene_policy.label}金额待补充",
+                            level="warning",
+                            content=f"{card.filename} 已识别为{document_type_label}，但未识别到可核算金额。",
+                            detail=(
+                                f"依据《{scene_policy.rule_name}》（{scene_policy.rule_version}），"
+                                f"{scene_policy.label}需要按{metric_label}进行金额审核。当前票据缺少金额，系统无法判断是否合规。"
+                            ),
+                            suggestion="请在票据识别结果中补充或更正金额，再继续核对报销单。",
+                        ),
+                    )
+                    continue
+
+                if standard_amount is not None:
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别为{document_type_label}，金额 {amount:.2f} 元；"
+                        f"适用《{scene_policy.rule_name}》{metric_label}标准 {standard_amount:.2f} 元，"
+                        f"{'超出标准' if amount > standard_amount else '测算通过'}。"
+                    )
+
+                amount_risk = self._evaluate_review_scene_amount(
+                    amount=amount,
+                    limit_config=scene_limit,
+                    reason_text=reason_corpus,
+                )
+                if amount_risk is not None:
+                    severity, threshold = amount_risk
+                    append_once(
+                        f"{scene_code}-amount-over-limit-{card.index}",
+                        UserAgentReviewRiskBrief(
+                            title=f"{scene_policy.label}金额超标待说明",
+                            level="high" if severity == "high" else "warning",
+                            content=(
+                                f"{card.filename} 识别金额 {amount:.2f} 元，"
+                                f"超过{metric_label}标准 {threshold:.2f} 元。"
+                            ),
+                            detail=(
+                                f"依据《{scene_policy.rule_name}》（{scene_policy.rule_version}），"
+                                f"{scene_policy.label}按{metric_label}审核，当前票据类型识别为{document_type_label}，"
+                                f"识别金额 {amount:.2f} 元，标准阈值 {threshold:.2f} 元。"
+                            ),
+                            suggestion="请补充超标原因或拆分到更准确的费用类型；如属于例外场景，请在事由中写明业务背景。",
+                        ),
+                    )
+                    continue
+
+            transport_class = self._detect_review_transport_class(card, policy)
+            if transport_class and grade_band is not None:
+                transport_kind, class_label, class_level = transport_class
+                allowed_level = policy.transport_limits.get(grade_band, {}).get(transport_kind)
+                if allowed_level is not None and class_level > allowed_level:
+                    append_once(
+                        f"transport-class-over-limit-{card.index}-{class_label}",
+                        UserAgentReviewRiskBrief(
+                            title="交通舱位超标待说明" if not has_exception_note else "交通舱位超标提醒",
+                            level="warning",
+                            content=f"{card.filename} 识别为 {class_label}，{band_label} 当前默认不可报销该舱位/席别。",
+                            detail=(
+                                f"依据《{standard_rule_name}》（{standard_rule_version}），{band_label} 的交通席别标准"
+                                f"未覆盖 {class_label}；票据类型识别为{document_type_label}。"
+                                + (
+                                    "当前未识别到例外说明，创建单据前需要补充原因。"
+                                    if not has_exception_note
+                                    else "当前已识别到例外说明，后续仍需审批人重点复核。"
+                                )
+                            ),
+                            suggestion="补充无直达、临时改签、行程变更等例外说明，或更换为符合标准的票据。",
+                        ),
+                    )
+                continue
+
+            if document_type == "meal_receipt" and self._is_travel_review_context(payload, document_cards, claim_groups):
+                if amount is not None:
+                    amount_measurement_lines.append(
+                        f"{card.filename}：识别为{document_type_label}，金额 {amount:.2f} 元；需确认按餐补、餐费或业务招待口径归口。"
+                    )
+                append_once(
+                    f"travel-meal-card-{card.index}",
+                    UserAgentReviewRiskBrief(
+                        title="差旅餐饮票据待归口",
+                        level="warning",
+                        content=f"{card.filename} 已识别为餐饮票据，当前差旅报销单需要确认是否允许并入差旅费用。",
+                        detail=(
+                            f"依据《{standard_rule_name}》（{standard_rule_version}）的差旅票据预检口径，系统优先核算交通、住宿等差旅核心票据。"
+                            "餐饮票据可能需要按餐费或业务招待场景拆分，并补充同行人员或客户信息。"
+                        ),
+                        suggestion="如属于差旅餐补，请补充制度允许口径；如属于招待或普通餐费，建议拆成对应费用类型单据。",
+                    ),
+                )
+                continue
+
+            if suggested_type in {"travel", "hotel", "transport"} and document_type in {"other", "travel_ticket"}:
+                append_once(
+                    f"travel-type-uncertain-{card.index}",
+                    UserAgentReviewRiskBrief(
+                        title="差旅票据类型待确认",
+                        level="warning",
+                        content=f"{card.filename} 归入差旅场景，但票据类型仍需确认。",
+                        detail=(
+                            f"依据《{standard_rule_name}》（{standard_rule_version}），差旅预检需要先明确票据是机票、火车票、住宿票据、打车票等，"
+                            "再匹配对应的金额或舱位规则。当前类型识别不够稳定。"
+                        ),
+                        suggestion="请在附件识别结果中更正票据类型，或重新上传更清晰的附件后再继续。",
+                    ),
+                )
+
+        if amount_measurement_lines:
+            briefs.insert(
+                0,
+                UserAgentReviewRiskBrief(
+                    title="附件金额测算结果",
+                    level="info",
+                    content="系统已根据首轮上传附件识别金额，并匹配当前可执行的报销标准进行测算。",
+                    detail="；".join(dict.fromkeys(amount_measurement_lines)),
+                    suggestion="如测算结果超标，请补充超标说明、调整金额或更正票据类型后再继续。",
+                ),
+            )
+
+        return briefs
+
+    def _is_travel_review_context(
+        self,
+        payload: UserAgentRequest,
+        document_cards: list[UserAgentReviewDocumentCard],
+        claim_groups: list[UserAgentReviewClaimGroup],
+    ) -> bool:
+        entity_expense_type = self._collect_entity_values(payload).get("expense_type_code", "")
+        review_form_values = self._resolve_review_form_values(payload)
+        form_expense_type = str(review_form_values.get("expense_type") or "").strip()
+        message_context = " ".join(
+            [
+                str(payload.message or ""),
+                str(payload.context_json.get("user_input_text") or ""),
+                str(payload.context_json.get("expense_type") or ""),
+                form_expense_type,
+            ]
+        )
+        if entity_expense_type in {"travel", "hotel", "transport"}:
+            return True
+        if any(group.group_code == "travel" or group.expense_type in {"travel", "hotel", "transport"} for group in claim_groups):
+            return True
+        if any(card.suggested_expense_type in {"travel", "hotel", "transport"} for card in document_cards):
+            return True
+        return any(keyword in message_context for keyword in ("差旅", "出差", "机票", "火车", "高铁", "酒店", "住宿"))
+
+    def _resolve_review_travel_allowance_standard(
+        self,
+        policy: RuntimeTravelPolicy,
+        *,
+        declared_city: str,
+        card_text: str,
+    ) -> tuple[str, Decimal] | None:
+        meal_limits = getattr(policy, "allowance_limits", {}).get("meal", {})
+        if not meal_limits:
+            return None
+
+        region_label = self._resolve_review_travel_allowance_region(
+            " ".join([declared_city or "", card_text or ""])
+        )
+        amount = meal_limits.get(region_label)
+        if amount is None and region_label != "其他地区":
+            amount = meal_limits.get("其他地区")
+            region_label = "其他地区"
+        if amount is None:
+            return None
+        return region_label, Decimal(amount).quantize(Decimal("0.01"))
+
+    @staticmethod
+    def _resolve_review_travel_allowance_region(text: str) -> str:
+        normalized = re.sub(r"\s+", "", str(text or ""))
+        if not normalized:
+            return "其他地区"
+        if any(keyword in normalized for keyword in ("境外", "国外", "海外")):
+            return "国外"
+        if any(keyword in normalized for keyword in ("香港", "澳门", "台湾", "港澳台")):
+            return "港澳台"
+        if "乌鲁木齐" in normalized:
+            return "新疆-乌鲁木齐"
+        if "新疆" in normalized:
+            return "新疆-其他"
+        if any(keyword in normalized for keyword in ("西藏", "拉萨")):
+            return "西藏"
+        if any(keyword in normalized for keyword in ("北京", "上海", "天津", "重庆", "深圳", "珠海", "汕头", "厦门")):
+            return "直辖市/特区"
+        return "其他地区"
+
+    def _resolve_review_amount_scene_code(
+        self,
+        card: UserAgentReviewDocumentCard,
+        payload: UserAgentRequest,
+    ) -> str:
+        document_type = str(card.document_type or "").strip().lower()
+        suggested_type = str(card.suggested_expense_type or "").strip().lower()
+        if document_type in {"taxi_receipt", "parking_toll_receipt", "transport_receipt"}:
+            return "transport"
+        if document_type == "meal_receipt":
+            entity_values = self._collect_entity_values(payload)
+            if suggested_type == "entertainment" or entity_values.get("expense_type_code") == "entertainment":
+                return "entertainment"
+            return "meal"
+        if document_type == "hotel_invoice" or suggested_type == "hotel":
+            return "hotel"
+        if suggested_type in {
+            "travel",
+            "transport",
+            "meal",
+            "entertainment",
+            "office",
+            "meeting",
+            "training",
+            "communication",
+            "welfare",
+            "other",
+        }:
+            return suggested_type
+        return self._collect_entity_values(payload).get("expense_type_code") or "other"
+
+    @staticmethod
+    def _resolve_review_scene_amount_limit(scene_policy: Any | None) -> Any | None:
+        if scene_policy is None:
+            return None
+        return getattr(scene_policy, "item_amount_limit", None) or getattr(scene_policy, "claim_amount_limit", None)
+
+    @staticmethod
+    def _resolve_scene_standard_amount(limit_config: Any | None) -> Decimal | None:
+        if limit_config is None:
+            return None
+        warn_amount = getattr(limit_config, "warn_amount", None)
+        block_amount = getattr(limit_config, "block_amount", None)
+        amount = warn_amount if warn_amount is not None else block_amount
+        if amount is None:
+            return None
+        try:
+            return Decimal(amount).quantize(Decimal("0.01"))
+        except (InvalidOperation, ValueError):
+            return None
+
+    @staticmethod
+    def _evaluate_review_scene_amount(
+        *,
+        amount: Decimal,
+        limit_config: Any,
+        reason_text: str,
+    ) -> tuple[str, Decimal] | None:
+        block_amount = getattr(limit_config, "block_amount", None)
+        warn_amount = getattr(limit_config, "warn_amount", None)
+        exception_keywords = list(getattr(limit_config, "exception_keywords", []) or [])
+        has_exception = UserAgentService._text_contains_any(reason_text, exception_keywords)
+
+        if block_amount is not None and amount > Decimal(block_amount):
+            return ("high", Decimal(block_amount).quantize(Decimal("0.01")))
+        if warn_amount is not None and amount > Decimal(warn_amount):
+            return ("high", Decimal(warn_amount).quantize(Decimal("0.01")))
+        return None
+
+    def _resolve_review_employee_grade(self, payload: UserAgentRequest, *, employee: Employee | None) -> str:
+        if employee is not None and employee.grade:
+            return str(employee.grade).strip()
+        review_form_values = self._resolve_review_form_values(payload)
+        for source in (
+            review_form_values,
+            payload.context_json,
+            payload.tool_payload,
+        ):
+            for key in ("employee_grade", "grade", "user_grade", "position_grade"):
+                value = str(source.get(key) or "").strip() if isinstance(source, dict) else ""
+                if value:
+                    return value
+        return ""
+
+    def _build_review_reason_corpus(self, payload: UserAgentRequest) -> str:
+        review_form_values = self._resolve_review_form_values(payload)
+        parts = [
+            str(payload.message or ""),
+            str(payload.context_json.get("user_input_text") or ""),
+            str(review_form_values.get("reason") or ""),
+            str(review_form_values.get("business_reason") or ""),
+            str(review_form_values.get("location") or ""),
+            str(review_form_values.get("business_location") or ""),
+        ]
+        return "\n".join(part.strip() for part in parts if part and part.strip())
+
+    def _resolve_declared_travel_city(self, payload: UserAgentRequest, policy: RuntimeTravelPolicy) -> str:
+        review_form_values = self._resolve_review_form_values(payload)
+        candidates = [
+            str(review_form_values.get("business_location") or ""),
+            str(review_form_values.get("location") or ""),
+            self._resolve_location_value(payload),
+            str(payload.message or ""),
+        ]
+        for candidate in candidates:
+            city = self._extract_policy_city_from_text(candidate, policy)
+            if city:
+                return city
+        return ""
+
+    @staticmethod
+    def _build_review_document_card_text(card: UserAgentReviewDocumentCard) -> str:
+        field_text = " ".join(f"{field.label}:{field.value}" for field in card.fields)
+        return " ".join(
+            [
+                str(card.filename or ""),
+                str(card.document_type or ""),
+                str(card.scene_label or ""),
+                str(card.summary or ""),
+                field_text,
+            ]
+        ).strip()
+
+    @staticmethod
+    def _is_review_hotel_card(card: UserAgentReviewDocumentCard) -> bool:
+        document_type = str(card.document_type or "").strip().lower()
+        suggested_type = str(card.suggested_expense_type or "").strip().lower()
+        scene_label = str(card.scene_label or "").strip()
+        return document_type == "hotel_invoice" or suggested_type == "hotel" or "住宿" in scene_label
+
+    @staticmethod
+    def _extract_amount_decimal_from_card(card: UserAgentReviewDocumentCard) -> Decimal | None:
+        for field in card.fields:
+            if field.label != "金额":
+                continue
+            normalized = str(field.value or "").replace("元", "").replace("￥", "").replace("¥", "").replace(",", "").strip()
+            try:
+                amount = Decimal(normalized).quantize(Decimal("0.01"))
+            except (InvalidOperation, ValueError):
+                continue
+            if amount > Decimal("0.00"):
+                return amount
+        return None
+
+    @staticmethod
+    def _extract_review_hotel_night_count(card: UserAgentReviewDocumentCard) -> int:
+        text = f"{card.summary or ''} {' '.join(f'{field.label}:{field.value}' for field in card.fields)}"
+        match = TRAVEL_REVIEW_HOTEL_NIGHT_PATTERN.search(text)
+        if not match:
+            return 1
+        try:
+            return max(1, int(match.group(1)))
+        except (TypeError, ValueError):
+            return 1
+
+    @staticmethod
+    def _extract_policy_city_from_text(text: str, policy: RuntimeTravelPolicy) -> str:
+        normalized = str(text or "").strip()
+        if not normalized:
+            return ""
+        city_names = set(policy.city_tiers.keys())
+        city_names.update(getattr(policy, "hotel_city_limits", {}).keys())
+        for city in sorted(city_names, key=lambda item: len(item), reverse=True):
+            if city in normalized:
+                return city
+        return ""
+
+    @staticmethod
+    def _format_travel_city_tier(city_tier: str) -> str:
+        return {
+            "tier_1": "一线城市",
+            "tier_2": "重点城市",
+            "tier_3": "其他城市",
+        }.get(str(city_tier or "").strip(), "当前城市")
+
+    @staticmethod
+    def _resolve_review_hotel_cap(
+        policy: RuntimeTravelPolicy,
+        *,
+        grade_band: str,
+        city: str,
+        city_tier: str,
+    ) -> Decimal:
+        normalized_city = str(city or "").strip()
+        if normalized_city and getattr(policy, "hotel_city_limits", None):
+            city_limits = policy.hotel_city_limits.get(normalized_city, {})
+            city_cap = city_limits.get(grade_band)
+            if city_cap is not None:
+                return Decimal(city_cap).quantize(Decimal("0.01"))
+        return Decimal(policy.hotel_limits.get(grade_band, {}).get(city_tier, Decimal("0.00"))).quantize(
+            Decimal("0.01")
+        )
+
+    def _detect_review_transport_class(
+        self,
+        card: UserAgentReviewDocumentCard,
+        policy: RuntimeTravelPolicy,
+    ) -> tuple[str, str, int] | None:
+        document_type = str(card.document_type or "").strip().lower()
+        text = re.sub(r"\s+", "", self._build_review_document_card_text(card))
+        if not text:
+            return None
+
+        if document_type == "flight_itinerary" or any(keyword in text for keyword in ("机票", "航班", "登机牌")):
+            for config in policy.flight_classes:
+                label = str(config.keyword or "").strip()
+                if label and label in text:
+                    return "flight", label, int(config.level)
+
+        if document_type == "train_ticket" or any(keyword in text for keyword in ("火车", "高铁", "动车", "铁路")):
+            for config in policy.train_classes:
+                label = str(config.keyword or "").strip()
+                if label and label in text:
+                    return "train", label, int(config.level)
+        return None
+
+    @staticmethod
+    def _text_contains_any(text: str, keywords: list[str] | tuple[str, ...]) -> bool:
+        compact = re.sub(r"\s+", "", str(text or ""))
+        return bool(compact) and any(str(keyword or "").strip() and str(keyword).strip() in compact for keyword in keywords)
 
     @staticmethod
     def _resolve_submission_blocked_reasons(payload: UserAgentRequest) -> list[str]:
@@ -2543,6 +3149,14 @@ class UserAgentService:
                 "系统检测到你已有可用草稿，请先选择关联到现有草稿，或单独建立一张新的报销单。"
             )
 
+        blocked_reasons = self._resolve_submission_blocked_reasons(payload)
+        if blocked_reasons:
+            reason_text = "；".join(dict.fromkeys(reason.strip("。；;") for reason in blocked_reasons if reason))
+            return (
+                f"AI预审未通过：{reason_text}。"
+                "请先根据风险提示补充原因、调整金额或更换附件，整改后再继续提交。"
+            )
+
         review_payload = UserAgentReviewPayload(
             intent_summary="",
             body_message="",
@@ -3460,7 +4074,18 @@ class UserAgentService:
                 evidence="来源于用户修改后的结构化表单。",
             )
 
-        merchant_value = self._extract_document_merchant_name(ocr_documents[0]) if ocr_documents else ""
+        merchant_value = ""
+        for document in ocr_documents:
+            if str(document.get("document_type") or "").strip().lower() != "hotel_invoice":
+                continue
+            merchant_value = self._extract_document_merchant_name(document)
+            if merchant_value:
+                break
+        if not merchant_value:
+            for document in ocr_documents:
+                merchant_value = self._extract_document_merchant_name(document)
+                if merchant_value:
+                    break
         if merchant_value:
             return self._build_slot_value(
                 value=merchant_value,

server/storage/expense_claims/08f51e80-512e-498e-bcd6-50ca5d0becfc/1170b632-ad59-46c0-9876-7230d9d97e30/2月23_上海-武汉.pdf.meta.json

@@ -0,0 +1,90 @@
+{
+  "file_name": "2月23_上海-武汉.pdf",
+  "storage_key": "08f51e80-512e-498e-bcd6-50ca5d0becfc/1170b632-ad59-46c0-9876-7230d9d97e30/2月23_上海-武汉.pdf",
+  "media_type": "application/pdf",
+  "size_bytes": 24940,
+  "uploaded_at": "2026-05-20T13:48:38.616319+00:00",
+  "previewable": true,
+  "preview_kind": "image",
+  "preview_storage_key": "08f51e80-512e-498e-bcd6-50ca5d0becfc/1170b632-ad59-46c0-9876-7230d9d97e30/2月23_上海-武汉.preview.png",
+  "preview_media_type": "image/png",
+  "preview_file_name": "2月23_上海-武汉.preview.png",
+  "analysis": {
+    "severity": "medium",
+    "label": "中风险",
+    "headline": "AI提示：附件存在明显待整改项",
+    "summary": "当前附件可见部分内容，但金额、用途、日期或附件类型仍有缺失或不一致。",
+    "points": [
+      "用途字段：用户填写用途“业务发生时间:2026-02-20 至 2026”与票据内容不一致，当前附件更像交通相关材料。"
+    ],
+    "suggestion": "建议根据风险点补齐清晰票据，或修正金额、日期、费用说明后再提交。"
+  },
+  "document_info": {
+    "document_type": "train_ticket",
+    "document_type_label": "火车/高铁票",
+    "scene_code": "travel",
+    "scene_label": "差旅票据",
+    "fields": [
+      {
+        "key": "amount",
+        "label": "金额",
+        "value": "354元"
+      },
+      {
+        "key": "date",
+        "label": "日期",
+        "value": "2026-05-18"
+      },
+      {
+        "key": "merchant_name",
+        "label": "商户",
+        "value": "中国铁路"
+      },
+      {
+        "key": "invoice_number",
+        "label": "票据号码",
+        "value": "26319166100006175398"
+      },
+      {
+        "key": "route",
+        "label": "行程",
+        "value": "上海-武汉"
+      }
+    ]
+  },
+  "requirement_check": {
+    "matches": true,
+    "current_expense_type": "travel",
+    "current_expense_type_label": "差旅费",
+    "allowed_scene_labels": [
+      "差旅"
+    ],
+    "allowed_document_type_labels": [
+      "机票/航班行程单",
+      "火车/高铁票"
+    ],
+    "recognized_scene_code": "travel",
+    "recognized_scene_label": "差旅票据",
+    "recognized_document_type": "train_ticket",
+    "recognized_document_type_label": "火车/高铁票",
+    "mismatch_severity": "high",
+    "rule_code": "rule.expense.scene_submission_standard",
+    "rule_name": "报销场景提交与附件标准",
+    "message": "当前费用项目为差旅费，已识别为火车/高铁票，符合当前差旅费场景的附件要求。"
+  },
+  "ocr_status": "recognized",
+  "ocr_error": "",
+  "ocr_text": "电子发票\n（铁路电子客票）\n州\n国家税务总局\n发票号码：26319166100006175398\n开票日期:2026年05月18日\n上海市税务局\n上海虹桥站\n武汉站\nG456\nShanghaihongqiao\nWuhan\n2026年02月23日\n13:54开\n12车08B号\n二等座\n票价：￥354.00\n4201061987****1615\n曹笑竹\n电子客票号：6610061086021394837402026\n购买方名称:曹笑竹\n统一社会信用代码：\n买票请到12306发货请到95306\n中国铁路祝您旅途愉快",
+  "ocr_summary": "电子发票；（铁路电子客票）；州",
+  "ocr_avg_score": 0.9620026834309101,
+  "ocr_line_count": 24,
+  "ocr_classification_source": "rule",
+  "ocr_classification_confidence": 0.88,
+  "ocr_classification_evidence": [
+    "铁路电子客票",
+    "电子客票",
+    "铁路",
+    "二等座"
+  ],
+  "ocr_warnings": []
+}

server/storage/expense_claims/08f51e80-512e-498e-bcd6-50ca5d0becfc/62fe16f9-ad9f-4f96-948f-0b31a427a81d/2月20_武汉-上海.pdf.meta.json

@@ -0,0 +1,90 @@
+{
+  "file_name": "2月20_武汉-上海.pdf",
+  "storage_key": "08f51e80-512e-498e-bcd6-50ca5d0becfc/62fe16f9-ad9f-4f96-948f-0b31a427a81d/2月20_武汉-上海.pdf",
+  "media_type": "application/pdf",
+  "size_bytes": 24995,
+  "uploaded_at": "2026-05-20T13:48:21.652497+00:00",
+  "previewable": true,
+  "preview_kind": "image",
+  "preview_storage_key": "08f51e80-512e-498e-bcd6-50ca5d0becfc/62fe16f9-ad9f-4f96-948f-0b31a427a81d/2月20_武汉-上海.preview.png",
+  "preview_media_type": "image/png",
+  "preview_file_name": "2月20_武汉-上海.preview.png",
+  "analysis": {
+    "severity": "medium",
+    "label": "中风险",
+    "headline": "AI提示：附件存在明显待整改项",
+    "summary": "当前附件可见部分内容，但金额、用途、日期或附件类型仍有缺失或不一致。",
+    "points": [
+      "用途字段：用户填写用途“业务发生时间:2026-02-20 至 2026”与票据内容不一致，当前附件更像交通相关材料。"
+    ],
+    "suggestion": "建议根据风险点补齐清晰票据，或修正金额、日期、费用说明后再提交。"
+  },
+  "document_info": {
+    "document_type": "train_ticket",
+    "document_type_label": "火车/高铁票",
+    "scene_code": "travel",
+    "scene_label": "差旅票据",
+    "fields": [
+      {
+        "key": "amount",
+        "label": "金额",
+        "value": "354元"
+      },
+      {
+        "key": "date",
+        "label": "日期",
+        "value": "2026-05-18"
+      },
+      {
+        "key": "merchant_name",
+        "label": "商户",
+        "value": "中国铁路"
+      },
+      {
+        "key": "invoice_number",
+        "label": "票据号码",
+        "value": "26429165800002785705"
+      },
+      {
+        "key": "route",
+        "label": "行程",
+        "value": "武汉-上海"
+      }
+    ]
+  },
+  "requirement_check": {
+    "matches": true,
+    "current_expense_type": "travel",
+    "current_expense_type_label": "差旅费",
+    "allowed_scene_labels": [
+      "差旅"
+    ],
+    "allowed_document_type_labels": [
+      "机票/航班行程单",
+      "火车/高铁票"
+    ],
+    "recognized_scene_code": "travel",
+    "recognized_scene_label": "差旅票据",
+    "recognized_document_type": "train_ticket",
+    "recognized_document_type_label": "火车/高铁票",
+    "mismatch_severity": "high",
+    "rule_code": "rule.expense.scene_submission_standard",
+    "rule_name": "报销场景提交与附件标准",
+    "message": "当前费用项目为差旅费，已识别为火车/高铁票，符合当前差旅费场景的附件要求。"
+  },
+  "ocr_status": "recognized",
+  "ocr_error": "",
+  "ocr_text": "电子发票\n（铁路电子客票)\n州\n国家税务总局\n发票号码：26429165800002785705\n湖北省税务局\n开票日期:2026年05月18日\n武汉站\n上海虹桥站\nG458\nWuhan\nShanghaihongqiao\n2026年02月20日\n07:55开\n06车01B号\n二等座\n票价：￥354.00\n4201061987****1615\n曹笑竹\n电子客票号：6580061086021391007342026\n购买方名称:曹笑竹\n统一社会信用代码：\n买票请到12306发货请到95306\n中国铁路祝您旅途愉快",
+  "ocr_summary": "电子发票；（铁路电子客票)；州",
+  "ocr_avg_score": 0.9580968717734019,
+  "ocr_line_count": 24,
+  "ocr_classification_source": "rule",
+  "ocr_classification_confidence": 0.88,
+  "ocr_classification_evidence": [
+    "铁路电子客票",
+    "电子客票",
+    "铁路",
+    "二等座"
+  ],
+  "ocr_warnings": []
+}

server/storage/knowledge/.index.json

@@ -20,7 +20,7 @@
       "ingest_document_name": "远光《公司支出管理办法（2024）》.pdf",
       "ingest_document_updated_at": "2026-05-17T09:28:28.999515+00:00",
       "ingest_document_sha256": "67a74538bce0dec71ccbb947256cc2c9c0e672d148de49406b967ae1379dbece",
-      "ingest_agent_run_id": "run_8b0ead1e3c734a53"
+      "ingest_agent_run_id": "run_3a0b0ecb941b4c8e"
     },
     {
       "id": "a8f8465df08e455ebe133351721d49f8",
@@ -36,12 +36,12 @@
       "uploaded_by": "admin",
       "version_number": 1,
       "ingest_status": 4,
-      "ingest_status_updated_at": "2026-05-19T16:00:57.418443+00:00",
+      "ingest_status_updated_at": "2026-05-20T16:00:02.515903+00:00",
       "ingest_completed_at": "",
       "ingest_document_name": "",
       "ingest_document_updated_at": "",
       "ingest_document_sha256": "",
-      "ingest_agent_run_id": "run_57f2d8727aaa4374"
+      "ingest_agent_run_id": "run_3a0b0ecb941b4c8e"
     }
   ]
 }

server/tests/test_agent_asset_service.py

@@ -7,7 +7,7 @@ from pathlib import Path
 
 import pytest
 from openpyxl import Workbook, load_workbook
-from sqlalchemy import create_engine
+from sqlalchemy import create_engine, select
 from sqlalchemy.orm import Session, sessionmaker
 from sqlalchemy.pool import StaticPool
 
@@ -24,11 +24,14 @@ from app.core.agent_enums import (
 )
 from app.core.config import SERVER_DIR
 from app.db.base import Base
+from app.models.agent_asset import AgentAsset
+from app.models.employee import Employee
 from app.schemas.agent_asset import (
     AgentAssetCreate,
     AgentAssetReviewCreate,
     AgentAssetVersionCreate,
 )
+from app.schemas.reimbursement import TravelReimbursementCalculatorRequest
 from app.services.agent_asset_spreadsheet import (
     COMPANY_COMMUNICATION_EXPENSE_RULE_CODE,
     COMPANY_COMMUNICATION_EXPENSE_RULE_FILENAME,
@@ -41,6 +44,7 @@ from app.services.agent_runs import AgentRunService
 from app.services.audit import AuditLogService
 from app.services.expense_rule_runtime import ExpenseRuleRuntimeService
 from app.services.settings import OnlyOfficeRuntimeConfig
+from app.services.travel_reimbursement_calculator import TravelReimbursementCalculatorService
 
 
 @pytest.fixture(autouse=True)
@@ -618,6 +622,126 @@ def test_agent_asset_service_returns_travel_policy_rule_detail() -> None:
         assert "住宿标准、飞机舱位和火车席别" in str(detail.current_version_content)
 
 
+def test_expense_rule_runtime_reads_amount_standards_from_travel_spreadsheet() -> None:
+    with build_session() as db:
+        AgentAssetService(db).list_assets(asset_type=AgentAssetType.RULE.value)
+        travel_spreadsheet_rule = db.scalar(
+            select(AgentAsset).where(AgentAsset.code == COMPANY_TRAVEL_EXPENSE_RULE_CODE)
+        )
+        assert travel_spreadsheet_rule is not None
+        travel_spreadsheet_rule.status = AgentAssetStatus.REVIEW.value
+        db.commit()
+
+        catalog = ExpenseRuleRuntimeService(db).load_catalog()
+
+        assert catalog.travel_policy is not None
+        assert catalog.travel_policy.standard_rule_code == COMPANY_TRAVEL_EXPENSE_RULE_CODE
+        assert catalog.travel_policy.standard_rule_name == "公司差旅费报销规则"
+        assert catalog.travel_policy.hotel_city_limits["北京"]["mid"] == 450
+        assert catalog.travel_policy.hotel_city_limits["北京"]["junior"] == 450
+        assert catalog.travel_policy.hotel_city_limits["北京"]["manager"] == 500
+        assert catalog.travel_policy.allowance_limits["meal"]["直辖市/特区"] == 65
+        assert catalog.travel_policy.allowance_limits["meal"]["其他地区"] == 55
+        assert catalog.travel_policy.allowance_limits["total"]["其他地区"] == 90
+        assert catalog.travel_policy.transport_limits["senior"]["flight"] == 1
+        assert catalog.travel_policy.transport_limits["executive"]["train"] == 1
+
+
+def test_travel_reimbursement_calculator_uses_finance_spreadsheet_amounts() -> None:
+    with build_session() as db:
+        db.add(
+            Employee(
+                employee_no="E9001",
+                name="测试员工",
+                email="traveler@example.com",
+                position="产品经理",
+                grade="P4",
+            )
+        )
+        db.commit()
+
+        result = TravelReimbursementCalculatorService(db).calculate(
+            TravelReimbursementCalculatorRequest(days=3, location="北京市朝阳区"),
+            CurrentUserContext(
+                username="traveler@example.com",
+                name="测试员工",
+                role_codes=[],
+                is_admin=False,
+            ),
+        )
+
+        assert result.rule_name == "公司差旅费报销规则"
+        assert result.grade == "P4"
+        assert result.grade_band == "mid"
+        assert result.matched_city == "北京"
+        assert result.hotel_rate == 450
+        assert result.hotel_amount == 1350
+        assert result.allowance_region == "直辖市/特区"
+        assert result.total_allowance_rate == 100
+        assert result.allowance_amount == 300
+        assert result.total_amount == 1650
+        assert "住宿 450.00 × 3 天 + 补贴 100.00 × 3 天 = 1650.00" == result.formula_text
+        assert "参考可报销总金额为 1650.00 元" in result.summary_text
+
+
+def test_travel_reimbursement_calculator_uses_other_region_for_known_unlisted_location() -> None:
+    with build_session() as db:
+        db.add(
+            Employee(
+                employee_no="E9002",
+                name="其他地区员工",
+                email="other-region@example.com",
+                position="产品经理",
+                grade="P4",
+            )
+        )
+        db.commit()
+
+        result = TravelReimbursementCalculatorService(db).calculate(
+            TravelReimbursementCalculatorRequest(days=2, location="吉林延边"),
+            CurrentUserContext(
+                username="other-region@example.com",
+                name="其他地区员工",
+                role_codes=[],
+                is_admin=False,
+            ),
+        )
+
+        assert result.matched_city == "延边（其他地区）"
+        assert result.city_tier == "tier_3"
+        assert result.hotel_rate == 380
+        assert result.hotel_amount == 760
+        assert result.allowance_region == "其他地区"
+        assert result.total_allowance_rate == 90
+        assert result.allowance_amount == 180
+        assert result.total_amount == 940
+
+
+def test_travel_reimbursement_calculator_rejects_unrecognized_location() -> None:
+    with build_session() as db:
+        db.add(
+            Employee(
+                employee_no="E9003",
+                name="无效地点员工",
+                email="invalid-location@example.com",
+                position="产品经理",
+                grade="P4",
+            )
+        )
+        db.commit()
+
+        with pytest.raises(ValueError, match="未识别为有效出差地区"):
+            TravelReimbursementCalculatorService(db).calculate(
+                TravelReimbursementCalculatorRequest(days=2, location="背景"),
+                CurrentUserContext(
+                    username="invalid-location@example.com",
+                    name="无效地点员工",
+                    role_codes=[],
+                    is_admin=False,
+                ),
+            )
+
+
 def test_agent_run_service_lists_seeded_trace_data() -> None:
     with build_session() as db:
         service = AgentRunService(db)

server/tests/test_document_intelligence.py

@@ -51,6 +51,27 @@ def test_document_intelligence_extracts_larger_decimal_amount_from_multiple_cand
     assert any(field.label == "金额" and field.value == "13.4元" for field in insight.fields)
 
 
+def test_document_intelligence_prefers_train_ticket_for_railway_e_ticket_invoice_text() -> None:
+    insight = build_document_insight(
+        filename="铁路电子客票.pdf",
+        summary="电子发票（铁路电子客票）",
+        text=(
+            "电子发票（铁路电子客票）\n"
+            "发票号码:26319166100006175398\n"
+            "上海虹桥站\n"
+            "武汉站\n"
+            "G456\n"
+            "二等座\n"
+            "票价:￥354.00"
+        ),
+    )
+
+    assert insight.document_type == "train_ticket"
+    assert insight.document_type_label == "火车/高铁票"
+    assert insight.scene_code == "travel"
+    assert any(field.label == "金额" and field.value == "354元" for field in insight.fields)
+
+
 def test_document_intelligence_service_keeps_rule_fields_without_model_correction() -> None:
     engine = create_engine(
         "sqlite+pysqlite:///:memory:",

server/tests/test_expense_claim_service.py

@@ -16,6 +16,7 @@ from app.models.organization import OrganizationUnit
 from app.schemas.ontology import OntologyParseRequest
 from app.schemas.ocr import OcrRecognizeBatchRead, OcrRecognizeDocumentRead
 from app.schemas.reimbursement import ExpenseClaimItemCreate, ExpenseClaimItemUpdate
+from app.services.agent_conversations import AgentConversationService
 from app.services.expense_claims import ExpenseClaimService
 from app.services.ontology import SemanticOntologyService
 from app.services.ocr import OcrService
@@ -722,6 +723,82 @@ def test_update_claim_item_reanalyzes_existing_attachment(monkeypatch, tmp_path)
         assert any("附件类型要求" in point for point in refreshed_meta["analysis"]["points"])
 
 
+def test_upload_train_ticket_attachment_backfills_item_amount(monkeypatch, tmp_path) -> None:
+    current_user = CurrentUserContext(
+        username="emp-1",
+        name="张三",
+        role_codes=[],
+        is_admin=False,
+    )
+
+    def fake_recognize(
+        self,
+        files: list[tuple[str, bytes, str | None]],
+    ) -> OcrRecognizeBatchRead:
+        return OcrRecognizeBatchRead(
+            total_file_count=1,
+            success_count=1,
+            documents=[
+                OcrRecognizeDocumentRead(
+                    filename="train-ticket.png",
+                    media_type="image/png",
+                    text="中国铁路电子客票 广州南-北京南 二等座 票价:￥354.00",
+                    summary="铁路电子客票，票价 354 元。",
+                    avg_score=0.98,
+                    line_count=1,
+                    page_count=1,
+                    document_type="train_ticket",
+                    document_type_label="火车/高铁票",
+                    scene_code="travel",
+                    scene_label="差旅费",
+                    document_fields=[
+                        {"key": "fare", "label": "票价", "value": "￥354.00"},
+                    ],
+                )
+            ],
+        )
+
+    monkeypatch.setattr(OcrService, "recognize_files", fake_recognize)
+    monkeypatch.setattr(ExpenseClaimService, "_get_attachment_storage_root", lambda self: tmp_path)
+
+    with build_session() as db:
+        claim = build_claim(expense_type="travel", location="北京")
+        claim.amount = Decimal("0.00")
+        claim.invoice_count = 0
+        claim.items[0].item_amount = Decimal("0.00")
+        claim.items[0].invoice_id = None
+        db.add(claim)
+        db.commit()
+
+        service = ExpenseClaimService(db)
+        updated = service.upload_claim_item_attachment(
+            claim_id=claim.id,
+            item_id=claim.items[0].id,
+            filename="train-ticket.png",
+            content=b"fake-image-bytes",
+            media_type="image/png",
+            current_user=current_user,
+        )
+
+        assert updated is not None
+        assert updated["item_amount"] == Decimal("354.00")
+        assert updated["claim_amount"] == Decimal("354.00")
+        db.refresh(claim)
+        assert claim.items[0].item_amount == Decimal("354.00")
+        assert claim.amount == Decimal("354.00")
+        uploaded_meta = service.get_claim_item_attachment_meta(
+            claim_id=claim.id,
+            item_id=claim.items[0].id,
+            current_user=current_user,
+        )
+        assert uploaded_meta is not None
+        assert uploaded_meta["document_info"]["document_type"] == "train_ticket"
+        assert any(
+            field["label"] == "票价" and field["value"] == "￥354.00"
+            for field in uploaded_meta["document_info"]["fields"]
+        )
+
+
 def test_delete_claim_item_removes_row_and_attachment_files(monkeypatch, tmp_path) -> None:
     current_user = CurrentUserContext(
         username="emp-1",
@@ -1502,7 +1579,7 @@ def test_list_claims_allows_executive_to_view_all_records() -> None:
         assert {claim.claim_no for claim in claims} == {"EXP-EXE-101", "EXP-EXE-102"}
 
 
-def test_privileged_user_can_return_and_delete_submitted_claim() -> None:
+def test_finance_can_return_but_cannot_delete_submitted_claim() -> None:
     current_user = CurrentUserContext(
         username="finance@example.com",
         name="财务",
@@ -1545,10 +1622,46 @@ def test_privileged_user_can_return_and_delete_submitted_claim() -> None:
             for flag in returned.risk_flags_json
         )
 
-        deleted = service.delete_claim(claim_id, current_user)
+        with pytest.raises(ValueError, match="只有高级管理人员可以删除"):
+            service.delete_claim(claim_id, current_user)
+
+        assert db.get(ExpenseClaim, claim_id) is not None
+
+
+def test_executive_can_delete_submitted_claim() -> None:
+    current_user = CurrentUserContext(
+        username="executive-delete@example.com",
+        name="高管",
+        role_codes=["executive"],
+        is_admin=False,
+    )
+
+    with build_session() as db:
+        claim = ExpenseClaim(
+            claim_no="EXP-DEL-EXEC-101",
+            employee_name="张三",
+            department_name="市场部",
+            project_code="PRJ-A",
+            expense_type="travel",
+            reason="差旅报销",
+            location="上海",
+            amount=Decimal("120.00"),
+            currency="CNY",
+            invoice_count=1,
+            occurred_at=datetime(2026, 5, 11, 9, 0, tzinfo=UTC),
+            submitted_at=datetime(2026, 5, 11, 10, 0, tzinfo=UTC),
+            status="submitted",
+            approval_stage="财务审批",
+            risk_flags_json=[],
+        )
+        db.add(claim)
+        db.commit()
+        claim_id = claim.id
+
+        deleted = ExpenseClaimService(db).delete_claim(claim_id, current_user)
 
         assert deleted is not None
-        assert deleted.claim_no == "EXP-RET-101"
+        assert deleted.claim_no == "EXP-DEL-EXEC-101"
         assert db.get(ExpenseClaim, claim_id) is None
 
 
@@ -1675,6 +1788,56 @@ def test_direct_manager_can_approve_subordinate_claim_to_finance_review() -> Non
         )
 
 
+def test_finance_can_approve_claim_to_archive_stage() -> None:
+    current_user = CurrentUserContext(
+        username="finance-approve@example.com",
+        name="财务复核",
+        role_codes=["finance"],
+        is_admin=False,
+    )
+
+    with build_session() as db:
+        claim = ExpenseClaim(
+            claim_no="EXP-FIN-APP-201",
+            employee_name="张三",
+            department_name="市场部",
+            project_code="PRJ-A",
+            expense_type="transport",
+            reason="交通报销",
+            location="上海",
+            amount=Decimal("66.00"),
+            currency="CNY",
+            invoice_count=1,
+            occurred_at=datetime(2026, 5, 12, 9, 0, tzinfo=UTC),
+            submitted_at=datetime(2026, 5, 12, 10, 0, tzinfo=UTC),
+            status="submitted",
+            approval_stage="财务审批",
+            risk_flags_json=[],
+        )
+        db.add(claim)
+        db.commit()
+        claim_id = claim.id
+
+        approved = ExpenseClaimService(db).approve_claim(
+            claim_id,
+            current_user,
+            opinion="票据与明细一致，同意入账。",
+        )
+
+        assert approved is not None
+        assert approved.status == "approved"
+        assert approved.approval_stage == "归档入账"
+        assert any(
+            isinstance(flag, dict)
+            and flag.get("source") == "finance_approval"
+            and flag.get("event_type") == "expense_claim_finance_approval"
+            and flag.get("opinion") == "票据与明细一致，同意入账。"
+            and flag.get("previous_approval_stage") == "财务审批"
+            and flag.get("next_approval_stage") == "归档入账"
+            for flag in approved.risk_flags_json
+        )
+
+
 def test_return_claim_rejects_already_returned_claim_without_adding_event() -> None:
     current_user = CurrentUserContext(
         username="finance-returned@example.com",
@@ -1836,6 +1999,16 @@ def test_submit_returned_claim_preserves_manual_return_events() -> None:
         claim.risk_flags_json = [return_flag]
         db.add_all([manager, employee, claim])
         db.commit()
+        conversation = AgentConversationService(db).get_or_create_conversation(
+            conversation_id=None,
+            user_id=current_user.username,
+            source="user_message",
+            context_json={
+                "session_type": "expense",
+                "draft_claim_id": claim.id,
+            },
+        )
+        conversation_id = conversation.conversation_id
 
         submitted = ExpenseClaimService(db).submit_claim(claim.id, current_user)
 
@@ -1848,6 +2021,7 @@ def test_submit_returned_claim_preserves_manual_return_events() -> None:
             and flag.get("return_event_id") == "return-event-submit"
             for flag in list(submitted.risk_flags_json or [])
         )
+        assert AgentConversationService(db).get_conversation(conversation_id) is None
 
 
 def test_manager_personal_claims_exclude_subordinate_pending_approval_claims() -> None:
@@ -2001,3 +2175,57 @@ def test_list_approval_claims_allows_direct_manager_to_view_pending_claims_for_a
 
         assert len(claims) == 1
         assert claims[0].claim_no == "EXP-MGR-201"
+
+
+def test_list_approval_claims_limits_finance_to_finance_stage_claims() -> None:
+    current_user = CurrentUserContext(
+        username="finance-approval-list@example.com",
+        name="财务",
+        role_codes=["finance"],
+        is_admin=False,
+    )
+
+    with build_session() as db:
+        db.add_all(
+            [
+                ExpenseClaim(
+                    claim_no="EXP-FIN-LIST-201",
+                    employee_name="张三",
+                    department_name="市场部",
+                    project_code="PRJ-FIN",
+                    expense_type="transport",
+                    reason="直属领导待审",
+                    location="上海",
+                    amount=Decimal("66.00"),
+                    currency="CNY",
+                    invoice_count=1,
+                    occurred_at=datetime(2026, 5, 12, 9, 0, tzinfo=UTC),
+                    submitted_at=datetime(2026, 5, 12, 10, 0, tzinfo=UTC),
+                    status="submitted",
+                    approval_stage="直属领导审批",
+                    risk_flags_json=[],
+                ),
+                ExpenseClaim(
+                    claim_no="EXP-FIN-LIST-202",
+                    employee_name="李四",
+                    department_name="销售部",
+                    project_code="PRJ-FIN",
+                    expense_type="meal",
+                    reason="财务待审",
+                    location="杭州",
+                    amount=Decimal("188.00"),
+                    currency="CNY",
+                    invoice_count=1,
+                    occurred_at=datetime(2026, 5, 12, 12, 0, tzinfo=UTC),
+                    submitted_at=datetime(2026, 5, 12, 13, 0, tzinfo=UTC),
+                    status="submitted",
+                    approval_stage="财务审批",
+                    risk_flags_json=[],
+                ),
+            ]
+        )
+        db.commit()
+
+        claims = ExpenseClaimService(db).list_approval_claims(current_user)
+
+        assert [claim.claim_no for claim in claims] == ["EXP-FIN-LIST-202"]

server/tests/test_ocr_service.py

@@ -177,3 +177,80 @@ def test_ocr_service_converts_pdf_to_images_and_returns_image_preview(
     assert any(field.label == "车次/航班" and field.value == "G1234" for field in recognized.document_fields)
     assert recognized.lines[0].page_index == 0
     assert recognized.lines[1].page_index == 1
+
+
+def test_ocr_service_prefers_pdf_text_layer_when_rendered_ocr_is_placeholder_heavy(
+    monkeypatch,
+    tmp_path: Path,
+) -> None:
+    def fake_convert_pdf_to_images(self, *, pdf_path: Path, output_dir: Path) -> list[Path]:
+        page = output_dir / "page-1.png"
+        page.write_bytes(b"fake-page")
+        return [page]
+
+    def fake_invoke_worker(
+        self,
+        *,
+        python_bin: str,
+        worker_path: str,
+        input_paths: list[Path],
+    ) -> dict:
+        return {
+            "engine": "paddleocr_mobile",
+            "model": "PP-OCRv5_mobile",
+            "documents": [
+                {
+                    "input_path": str(input_paths[0]),
+                    "engine": "paddleocr_mobile",
+                    "model": "PP-OCRv5_mobile",
+                    "text": "□□□□□□\n□□□□：26319166100006175398\nG456\n□□:□354.00",
+                    "summary": "□□□□□□；□□□□：26319166100006175398",
+                    "avg_score": 0.88,
+                    "line_count": 4,
+                    "page_count": 1,
+                    "warnings": [],
+                    "lines": [
+                        {
+                            "text": "□□□□□□",
+                            "score": 0.88,
+                            "box": [[1, 2], [10, 2], [10, 8], [1, 8]],
+                        }
+                    ],
+                }
+            ],
+        }
+
+    monkeypatch.setenv("STORAGE_ROOT_DIR", str(tmp_path / "storage"))
+    monkeypatch.setattr(OcrService, "_resolve_python_bin", lambda self: "python")
+    monkeypatch.setattr(OcrService, "_resolve_worker_path", lambda self: "worker.py")
+    monkeypatch.setattr(OcrService, "_convert_pdf_to_images", fake_convert_pdf_to_images)
+    monkeypatch.setattr(OcrService, "_invoke_worker", fake_invoke_worker)
+    monkeypatch.setattr(
+        OcrService,
+        "_extract_pdf_text_layer",
+        lambda self, pdf_path: (
+            "电子发票（铁路电子客票）\n"
+            "发票号码:26319166100006175398\n"
+            "上海虹桥站\n"
+            "武汉站\n"
+            "G456\n"
+            "票价:￥354.00"
+        ),
+    )
+    get_settings.cache_clear()
+    try:
+        result = OcrService().recognize_files(
+            [
+                ("train-ticket.pdf", b"%PDF-1.4 fake", "application/pdf"),
+            ]
+        )
+    finally:
+        get_settings.cache_clear()
+
+    recognized = result.documents[0]
+    assert "电子发票（铁路电子客票）" in recognized.text
+    assert "上海虹桥站" in recognized.text
+    assert "□□□□" not in recognized.summary
+    assert recognized.document_type == "train_ticket"
+    assert recognized.preview_kind == ""
+    assert recognized.preview_data_url == ""

server/tests/test_orchestrator_review_flow.py

@@ -11,6 +11,7 @@ from app.db.base import Base
 from app.models.employee import Employee
 from app.models.financial_record import ExpenseClaim, ExpenseClaimItem
 from app.schemas.orchestrator import OrchestratorRequest
+from app.services.agent_conversations import AgentConversationService
 from app.services.orchestrator import OrchestratorService
 
 
@@ -96,6 +97,8 @@ def test_review_next_step_run_submits_existing_claim_and_returns_draft_payload(
         assert claim.status == "submitted"
         assert claim.approval_stage == "直属领导审批"
         assert claim.submitted_at is not None
+        assert response.conversation_id
+        assert AgentConversationService(db).get_conversation(response.conversation_id) is None
 
 
 def test_review_next_step_blocked_returns_reasons_and_removes_next_step_action(
@@ -165,6 +168,8 @@ def test_review_next_step_blocked_returns_reasons_and_removes_next_step_action(
 
         assert response.status == "succeeded"
         assert result["draft_payload"]["status"] == "draft"
+        assert response.conversation_id
+        assert AgentConversationService(db).get_conversation(response.conversation_id) is not None
         assert "AI预审暂未通过" in result["answer"]
         assert "所属部门未完善" in result["answer"]
         assert "next_step" not in actions

server/tests/test_reimbursement_endpoints.py

@@ -345,9 +345,17 @@ def test_approve_claim_endpoint_routes_direct_manager_claim_to_finance_review()
     assert any(
         item["source"] == "manual_approval"
         and item["opinion"] == "情况属实，同意报销。"
+        and item["operator"] == "李经理"
         and item["next_approval_stage"] == "财务审批"
         for item in payload["risk_flags_json"]
     )
+    approval_events = [
+        item
+        for item in payload["risk_flags_json"]
+        if item["source"] == "manual_approval"
+    ]
+    assert approval_events[0]["operator"] == "李经理"
+    assert "manager-approve-api@example.com" not in approval_events[0]["message"]
 
 
 def test_claim_item_pdf_attachment_preview_returns_generated_image(monkeypatch, tmp_path) -> None:

server/tests/test_user_agent_service.py

@@ -1,16 +1,21 @@
-from __future__ import annotations
-
-from datetime import UTC, datetime, timedelta
-
-from sqlalchemy import create_engine
-from sqlalchemy.orm import Session, sessionmaker
-from sqlalchemy.pool import StaticPool
-
-from app.db.base import Base
-from app.schemas.ontology import OntologyParseRequest
-from app.schemas.user_agent import UserAgentRequest
-from app.services.ontology import SemanticOntologyService
-from app.services.user_agent import UserAgentService
+from __future__ import annotations
+
+from datetime import UTC, datetime, timedelta
+from decimal import Decimal
+
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session, sessionmaker
+from sqlalchemy.pool import StaticPool
+
+from app.db.base import Base
+from app.models.employee import Employee
+from app.models.financial_record import ExpenseClaim
+from app.core.agent_enums import AgentAssetType
+from app.schemas.ontology import OntologyParseRequest
+from app.schemas.user_agent import UserAgentCitation, UserAgentRequest, UserAgentReviewRiskBrief
+from app.services.agent_assets import AgentAssetService
+from app.services.ontology import SemanticOntologyService
+from app.services.user_agent import UserAgentService
 
 
 def build_session_factory() -> sessionmaker[Session]:
@@ -1096,11 +1101,11 @@ def test_user_agent_prefers_larger_decimal_amount_from_ocr_text_candidates() ->
         assert slot_map["amount"].value == "13.40元"
 
 
-def test_user_agent_review_payload_keeps_document_preview_data() -> None:
-    session_factory = build_session_factory()
-    with session_factory() as db:
-        ontology = SemanticOntologyService(db).parse(
-            OntologyParseRequest(
+def test_user_agent_review_payload_keeps_document_preview_data() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
                 query="我上传了打车票据，帮我生成报销草稿",
                 user_id="pytest",
                 context_json={
@@ -1147,15 +1152,465 @@ def test_user_agent_review_payload_keeps_document_preview_data() -> None:
         )
 
         assert response.review_payload is not None
-        assert response.review_payload.document_cards[0].preview_kind == "image"
-        assert response.review_payload.document_cards[0].preview_data_url.startswith("data:image/png;base64,")
-
-
-def test_user_agent_prompts_existing_draft_association_choice_for_multi_documents() -> None:
-    session_factory = build_session_factory()
-    with session_factory() as db:
-        ontology = SemanticOntologyService(db).parse(
-            OntologyParseRequest(
+        assert response.review_payload.document_cards[0].preview_kind == "image"
+        assert response.review_payload.document_cards[0].preview_data_url.startswith("data:image/png;base64,")
+
+
+def test_user_agent_review_payload_prechecks_travel_receipts_against_policy_and_hides_old_briefs(
+    monkeypatch,
+) -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        employee = Employee(
+            employee_no="E-TRAVEL-001",
+            name="张三",
+            email="pytest-travel@example.com",
+            position="实施顾问",
+            grade="P4",
+        )
+        db.add(employee)
+        db.flush()
+        db.add(
+            ExpenseClaim(
+                claim_no="EXP-HISTORY-001",
+                employee_id=employee.id,
+                employee_name=employee.name,
+                department_name="交付部",
+                expense_type="travel",
+                reason="历史差旅记录",
+                location="北京",
+                amount=Decimal("680.00"),
+                invoice_count=1,
+                occurred_at=datetime.now(UTC) - timedelta(days=7),
+                status="draft",
+                risk_flags_json=[{"label": "历史风险"}],
+            )
+        )
+        db.commit()
+
+        query = "我去北京出差住酒店，上传了北京酒店发票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "张三",
+            "attachment_names": ["北京酒店发票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "北京酒店发票.png",
+                    "document_type": "hotel_invoice",
+                    "summary": "北京中心酒店 住宿 1 晚 金额 680 元",
+                    "text": "北京中心酒店 住宿 1 晚 金额 680 元",
+                    "avg_score": 0.96,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "680"},
+                        {"key": "merchant", "label": "酒店", "value": "北京中心酒店"},
+                    ],
+                    "warnings": [],
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest-travel@example.com",
+                context_json=context,
+            )
+        )
+        service = UserAgentService(db)
+        monkeypatch.setattr(
+            service,
+            "_build_citations",
+            lambda payload: [
+                UserAgentCitation(
+                    source_type="rule",
+                    code="rule.expense.travel_risk_control_standard",
+                    title="差旅报销风险管控制度",
+                    version="v1.1.0",
+                    excerpt="住宿费按职级和城市分级限额执行。",
+                )
+            ],
+        )
+
+        response = service.respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest-travel@example.com",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        titles = [item.title for item in response.review_payload.risk_briefs]
+        assert "历史报销画像" not in titles
+        assert "制度注意事项" not in titles
+        hotel_brief = next(item for item in response.review_payload.risk_briefs if "住宿超标" in item.title)
+        combined = f"{hotel_brief.title}\n{hotel_brief.content}\n{hotel_brief.detail}\n{hotel_brief.suggestion}"
+        assert "北京酒店发票.png" in combined
+        assert "P4-P5" in combined
+        assert "680.00" in combined
+        assert "450.00" in combined
+        assert "公司差旅费报销规则" in combined
+        assert "补充超标说明" in combined
+        slot_map = {item.key: item for item in response.review_payload.slot_cards}
+        assert slot_map["merchant_name"].value == "北京中心酒店"
+
+
+def test_user_agent_review_payload_prefers_hotel_invoice_for_hotel_name() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        query = "我去北京出差，上传了火车票和酒店发票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "张三",
+            "attachment_names": ["北京南站火车票.png", "北京中心酒店发票.png"],
+            "attachment_count": 2,
+            "ocr_documents": [
+                {
+                    "filename": "北京南站火车票.png",
+                    "document_type": "train_ticket",
+                    "summary": "广州南至北京南 高铁二等座 金额 560 元",
+                    "text": "广州南至北京南 高铁二等座 金额 560 元",
+                    "avg_score": 0.95,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "560"},
+                    ],
+                    "warnings": [],
+                },
+                {
+                    "filename": "北京中心酒店发票.png",
+                    "document_type": "hotel_invoice",
+                    "summary": "北京中心酒店 住宿 1 晚 金额 450 元",
+                    "text": "北京中心酒店 住宿 1 晚 金额 450 元",
+                    "avg_score": 0.96,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "450"},
+                        {"key": "merchant", "label": "酒店名称", "value": "北京中心酒店"},
+                    ],
+                    "warnings": [],
+                },
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest-travel-hotel-name@example.com",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest-travel-hotel-name@example.com",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        slot_map = {item.key: item for item in response.review_payload.slot_cards}
+        assert slot_map["merchant_name"].value == "北京中心酒店"
+
+
+def test_user_agent_review_payload_prechecks_taxi_amount_against_rule_standard() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        query = "我去北京出差，上传了一张打车票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "张三",
+            "grade": "P4",
+            "attachment_names": ["北京打车票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "北京打车票.png",
+                    "document_type": "taxi_receipt",
+                    "summary": "北京网约车 打车票 支付金额 360 元",
+                    "text": "北京网约车 打车票 支付金额 360 元",
+                    "avg_score": 0.95,
+                    "document_fields": [
+                        {"key": "amount", "label": "支付金额", "value": "360"},
+                    ],
+                    "warnings": [],
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        amount_brief = next(item for item in response.review_payload.risk_briefs if "交通费金额超标" in item.title)
+        combined = f"{amount_brief.title}\n{amount_brief.content}\n{amount_brief.detail}\n{amount_brief.suggestion}"
+        assert "北京打车票.png" in combined
+        assert "360.00" in combined
+        assert "300.00" in combined
+        assert "单笔交通金额" in combined
+        assert "报销场景提交与附件标准" in combined
+        assert amount_brief.level == "high"
+        assert any(item.title == "附件金额测算结果" for item in response.review_payload.risk_briefs)
+
+
+def test_user_agent_review_payload_uses_finance_spreadsheet_hotel_amount_standard() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        AgentAssetService(db).list_assets(asset_type=AgentAssetType.RULE.value)
+        employee = Employee(
+            employee_no="E-TRAVEL-XLSX-001",
+            name="测算员工",
+            email="pytest-travel-xlsx@example.com",
+            position="基层经理",
+            grade="P4",
+        )
+        db.add(employee)
+        db.commit()
+
+        query = "测算员工去北京出差住宿，上传了北京酒店发票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "测算员工",
+            "attachment_names": ["北京酒店发票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "北京酒店发票.png",
+                    "document_type": "hotel_invoice",
+                    "summary": "北京酒店 住宿 1 晚 金额 480 元",
+                    "text": "北京酒店 住宿 1 晚 金额 480 元",
+                    "avg_score": 0.96,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "480"},
+                    ],
+                    "warnings": [],
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest-travel-xlsx@example.com",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest-travel-xlsx@example.com",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        hotel_brief = next(item for item in response.review_payload.risk_briefs if "住宿超标" in item.title)
+        combined = f"{hotel_brief.content}\n{hotel_brief.detail}"
+        assert "480.00" in combined
+        assert "450.00" in combined
+        assert "公司差旅费报销规则" in combined
+
+
+def test_user_agent_review_payload_uses_spreadsheet_city_hotel_standard_not_default_tier() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        AgentAssetService(db).list_assets(asset_type=AgentAssetType.RULE.value)
+
+        query = "我去张家口出差住宿，上传了张家口酒店发票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "张三",
+            "grade": "P4",
+            "attachment_names": ["张家口酒店发票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "张家口酒店发票.png",
+                    "document_type": "hotel_invoice",
+                    "summary": "张家口酒店 住宿 1 晚 金额 320 元",
+                    "text": "张家口酒店 住宿 1 晚 金额 320 元",
+                    "avg_score": 0.96,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "320"},
+                    ],
+                    "warnings": [],
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest-travel-city@example.com",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest-travel-city@example.com",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        hotel_brief = next(item for item in response.review_payload.risk_briefs if "住宿超标" in item.title)
+        combined = f"{hotel_brief.content}\n{hotel_brief.detail}"
+        assert "320.00" in combined
+        assert "300.00" in combined
+        assert "公司差旅费报销规则" in combined
+
+
+def test_user_agent_review_payload_uses_finance_spreadsheet_meal_allowance_standard() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        AgentAssetService(db).list_assets(asset_type=AgentAssetType.RULE.value)
+
+        query = "我去北京出差，上传了一张餐饮发票，帮我生成差旅费报销草稿"
+        context = {
+            "name": "张三",
+            "grade": "P4",
+            "attachment_names": ["北京餐饮发票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "北京餐饮发票.png",
+                    "document_type": "meal_receipt",
+                    "summary": "北京餐饮发票 金额 90 元",
+                    "text": "北京餐饮发票 金额 90 元",
+                    "avg_score": 0.96,
+                    "document_fields": [
+                        {"key": "amount", "label": "金额", "value": "90"},
+                    ],
+                    "warnings": [],
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest-travel-meal@example.com",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest-travel-meal@example.com",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={"draft_only": True},
+            )
+        )
+
+        assert response.review_payload is not None
+        meal_brief = next(item for item in response.review_payload.risk_briefs if "伙食补助标准" in item.title)
+        combined = f"{meal_brief.title}\n{meal_brief.content}\n{meal_brief.detail}\n{meal_brief.suggestion}"
+        assert "北京餐饮发票.png" in combined
+        assert "90.00" in combined
+        assert "65.00" in combined
+        assert "直辖市/特区" in combined
+        assert "公司差旅费报销规则" in combined
+        assert meal_brief.level == "high"
+        measurement = next(item for item in response.review_payload.risk_briefs if item.title == "附件金额测算结果")
+        assert "伙食补助标准 65.00" in measurement.detail
+
+
+def test_user_agent_filters_deprecated_review_risk_briefs() -> None:
+    filtered = UserAgentService._filter_deprecated_review_risk_briefs(
+        [
+            UserAgentReviewRiskBrief(title="历史报销画像", level="info", content="旧画像"),
+            UserAgentReviewRiskBrief(title="用户画像", level="info", content="旧画像"),
+            UserAgentReviewRiskBrief(title="制度注意事项", level="info", content="旧制度提示"),
+            UserAgentReviewRiskBrief(title="住宿超标待说明", level="high", content="保留"),
+        ]
+    )
+
+    assert [item.title for item in filtered] == ["住宿超标待说明"]
+
+
+def test_user_agent_submission_blocked_risk_level_only_marks_amount_reasons_high() -> None:
+    assert UserAgentService._resolve_submission_blocked_risk_level("住宿金额超出当前职级差标") == "high"
+    assert UserAgentService._resolve_submission_blocked_risk_level("缺少直属领导或参与人员信息") == "warning"
+
+
+def test_user_agent_review_payload_shows_ai_precheck_failure_in_main_message() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        query = "我去北京出差住酒店，帮我生成差旅费报销草稿并进入下一步提交"
+        context = {
+            "name": "张三",
+            "attachment_names": ["北京酒店发票.png"],
+            "attachment_count": 1,
+            "ocr_documents": [
+                {
+                    "filename": "北京酒店发票.png",
+                    "document_type": "hotel_invoice",
+                    "summary": "北京酒店 住宿 1 晚 金额 680 元",
+                    "text": "北京酒店 住宿 1 晚 金额 680 元",
+                    "avg_score": 0.94,
+                }
+            ],
+        }
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
+                query=query,
+                user_id="pytest",
+                context_json=context,
+            )
+        )
+
+        response = UserAgentService(db).respond(
+            UserAgentRequest(
+                run_id=ontology.run_id,
+                user_id="pytest",
+                message=query,
+                ontology=ontology,
+                context_json=context,
+                tool_payload={
+                    "submission_blocked": True,
+                    "submission_blocked_reasons": ["住宿金额超出当前职级差标，且未补充超标说明。"],
+                },
+            )
+        )
+
+        assert response.review_payload is not None
+        assert response.answer == response.review_payload.body_message
+        assert response.answer.startswith("AI预审未通过：住宿金额超出当前职级差标")
+        assert "整改后再继续提交" in response.answer
+        assert response.review_payload.can_proceed is False
+        blocked_brief = next(item for item in response.review_payload.risk_briefs if item.title == "提交风险提示")
+        assert blocked_brief.level == "high"
+        assert not any(item.title == "AI预审未通过" for item in response.review_payload.risk_briefs)
+
+
+def test_user_agent_prompts_existing_draft_association_choice_for_multi_documents() -> None:
+    session_factory = build_session_factory()
+    with session_factory() as db:
+        ontology = SemanticOntologyService(db).parse(
+            OntologyParseRequest(
                 query="我上传了两张票据，帮我生成报销草稿",
                 user_id="pytest",
             )

web/src/assets/styles/views/travel-reimbursement-create-view.css

@@ -813,6 +813,24 @@
   color: #1d4ed8;
 }
 
+.message-meta-chip.high {
+  background: #fef2f2;
+  color: #dc2626;
+  border: 1px solid #fecaca;
+}
+
+.message-meta-chip.medium {
+  background: #fffbeb;
+  color: #b45309;
+  border: 1px solid #fde68a;
+}
+
+.message-meta-chip.low {
+  background: #eff6ff;
+  color: #1d4ed8;
+  border: 1px solid #bfdbfe;
+}
+
 .risk-chip,
 .message-risk-chip {
   background: #fff1f2;
@@ -1262,6 +1280,10 @@
   position: relative;
 }
 
+.travel-calculator-anchor {
+  position: relative;
+}
+
 .tool-btn.composer-side-btn.active {
   border-color: rgba(59, 130, 246, 0.42);
   background: rgba(239, 246, 255, 0.96);
@@ -1286,6 +1308,84 @@
     0 4px 12px rgba(15, 23, 42, 0.06);
 }
 
+.travel-calculator-popover {
+  position: absolute;
+  bottom: calc(100% + 10px);
+  left: 0;
+  z-index: 30;
+  width: min(300px, calc(100vw - 48px));
+  display: grid;
+  gap: 12px;
+  padding: 14px;
+  border: 1px solid rgba(203, 213, 225, 0.92);
+  border-radius: 16px;
+  background: rgba(255, 255, 255, 0.98);
+  box-shadow:
+    0 18px 40px rgba(15, 23, 42, 0.16),
+    0 4px 12px rgba(15, 23, 42, 0.06);
+}
+
+.travel-calculator-mini-head {
+  display: grid;
+  gap: 3px;
+}
+
+.travel-calculator-mini-head strong {
+  color: #0f172a;
+  font-size: 13px;
+  font-weight: 900;
+}
+
+.travel-calculator-mini-head span {
+  color: #64748b;
+  font-size: 11px;
+  font-weight: 750;
+}
+
+.travel-calculator-form {
+  display: grid;
+  grid-template-columns: 92px minmax(0, 1fr);
+  gap: 8px;
+}
+
+.travel-calculator-field {
+  display: grid;
+  gap: 6px;
+  min-width: 0;
+}
+
+.travel-calculator-field span {
+  color: #64748b;
+  font-size: 11px;
+  font-weight: 800;
+}
+
+.travel-calculator-field input {
+  width: 100%;
+  min-height: 36px;
+  padding: 0 10px;
+  border: 1px solid rgba(203, 213, 225, 0.92);
+  border-radius: 10px;
+  background: #fff;
+  color: #0f172a;
+  font-size: 12px;
+  font-weight: 700;
+}
+
+.travel-calculator-field input:focus {
+  border-color: rgba(59, 130, 246, 0.46);
+  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
+  outline: none;
+}
+
+.travel-calculator-error {
+  margin: 0;
+  color: #dc2626;
+  font-size: 11px;
+  font-weight: 750;
+  line-height: 1.5;
+}
+
 .composer-date-mode-tabs {
   display: grid;
   grid-template-columns: repeat(2, minmax(0, 1fr));
@@ -1984,6 +2084,11 @@
   transition: border-color 0.18s ease, background 0.18s ease, transform 0.18s ease;
 }
 
+.review-side-metric-card.wide {
+  grid-column: 1 / -1;
+  min-height: 104px;
+}
+
 .review-side-metric-card.invalid {
   border-color: rgba(239, 68, 68, 0.34);
   background: rgba(254, 242, 242, 0.72);
@@ -2038,6 +2143,14 @@
   font-weight: 700;
 }
 
+.review-inline-textarea {
+  min-height: 82px;
+  padding: 9px 10px;
+  resize: vertical;
+  line-height: 1.55;
+  font-family: inherit;
+}
+
 .review-inline-input.invalid {
   border-color: rgba(239, 68, 68, 0.4);
   color: #b91c1c;
@@ -2225,16 +2338,6 @@
   background: linear-gradient(180deg, rgba(255, 255, 255, 0.84) 0%, rgba(255, 249, 238, 0.8) 100%);
 }
 
-.review-side-risk-score {
-  color: #f97316;
-  font-size: 13px;
-  font-weight: 900;
-}
-
-.review-side-risk-score.empty {
-  color: #94a3b8;
-}
-
 .review-side-risk-summary {
   margin: 0;
   color: #334155;
@@ -2281,7 +2384,7 @@
   font-size: 16px;
 }
 
-.review-side-risk-item.warning .review-side-risk-icon {
+.review-side-risk-item.medium .review-side-risk-icon {
   background: rgba(245, 158, 11, 0.14);
   color: #b45309;
 }
@@ -2291,6 +2394,11 @@
   color: #dc2626;
 }
 
+.review-side-risk-item.low .review-side-risk-icon {
+  background: rgba(14, 165, 233, 0.12);
+  color: #0284c7;
+}
+
 .review-side-risk-copy {
   min-width: 0;
   display: grid;
@@ -4201,93 +4309,6 @@
   flex: 1 1 168px;
 }
 
-.review-risk-detail-modal {
-  width: min(560px, calc(100vw - 40px));
-  max-height: min(760px, calc(100vh - 48px));
-  display: grid;
-  grid-template-rows: auto minmax(0, 1fr);
-  overflow: hidden;
-  border-radius: 24px;
-  border: 1px solid #e7eef6;
-  background:
-    radial-gradient(circle at top right, rgba(245, 158, 11, 0.10), transparent 28%),
-    linear-gradient(180deg, #fbfdff 0%, #f6f9fc 100%);
-  box-shadow:
-    0 24px 80px rgba(15, 23, 42, 0.22),
-    0 2px 12px rgba(15, 23, 42, 0.08);
-}
-
-.review-risk-detail-head {
-  display: flex;
-  align-items: flex-start;
-  justify-content: space-between;
-  gap: 16px;
-  padding: 22px 24px 18px;
-  border-bottom: 1px solid #eef2f7;
-}
-
-.review-risk-detail-head h3 {
-  margin: 12px 0 0;
-  color: #0f172a;
-  font-size: 21px;
-  font-weight: 900;
-  line-height: 1.35;
-}
-
-.review-risk-detail-body {
-  min-height: 0;
-  display: grid;
-  gap: 14px;
-  padding: 18px 24px 24px;
-  overflow-y: auto;
-}
-
-.review-risk-detail-level {
-  width: fit-content;
-  display: inline-flex;
-  align-items: center;
-  gap: 8px;
-  min-height: 30px;
-  padding: 0 11px;
-  border-radius: 999px;
-  background: rgba(14, 165, 233, 0.12);
-  color: #0284c7;
-  font-size: 12px;
-  font-weight: 900;
-}
-
-.review-risk-detail-level.warning {
-  background: rgba(245, 158, 11, 0.14);
-  color: #b45309;
-}
-
-.review-risk-detail-level.high {
-  background: rgba(239, 68, 68, 0.12);
-  color: #dc2626;
-}
-
-.review-risk-detail-section {
-  display: grid;
-  gap: 8px;
-  padding: 14px;
-  border: 1px solid rgba(226, 232, 240, 0.92);
-  border-radius: 16px;
-  background: rgba(255, 255, 255, 0.72);
-}
-
-.review-risk-detail-section strong {
-  color: #0f172a;
-  font-size: 13px;
-  font-weight: 900;
-}
-
-.review-risk-detail-section p {
-  margin: 0;
-  color: #475569;
-  font-size: 13px;
-  line-height: 1.7;
-}
-
 .review-edit-modal {
   max-height: min(860px, calc(100vh - 48px));
   display: grid;
@@ -4723,6 +4744,10 @@
     min-height: 32px;
   }
 
+  .travel-calculator-form {
+    grid-template-columns: 1fr;
+  }
+
   .dialog-toolbar {
     padding: 16px 16px 12px;
   }

web/src/composables/useRequests.js

@@ -21,7 +21,7 @@ const LOCATION_REQUIRED_EXPENSE_TYPES = new Set([
 ])
 
 const REIMBURSEMENT_PROGRESS_LABELS = [
-  '保存草稿',
+  '创建单据',
   '待提交',
   'AI预审',
   '直属领导审批',
@@ -270,6 +270,21 @@ function normalizeText(value) {
   return String(value || '').trim()
 }
 
+function isEmailLike(value) {
+  return /^[^@\s]+@[^@\s]+\.[^@\s]+$/.test(normalizeText(value))
+}
+
+function resolveDisplayName(...values) {
+  for (const value of values) {
+    const normalized = normalizeText(value)
+    if (normalized && !isEmailLike(normalized)) {
+      return normalized
+    }
+  }
+
+  return ''
+}
+
 function getRiskFlags(claim) {
   return Array.isArray(claim?.risk_flags_json) ? claim.risk_flags_json : []
 }
@@ -344,7 +359,7 @@ function buildCompletedStepMeta(claim, label) {
   const stepLabel = normalizeText(label)
   const employeeName = normalizeText(claim?.employee_name) || '申请人'
 
-  if (stepLabel === '保存草稿') {
+  if (stepLabel === '创建单据') {
     const createdAt = formatDateTime(claim?.created_at)
     return buildProgressStepMeta(`${employeeName}创建`, createdAt)
   }
@@ -362,7 +377,12 @@ function buildCompletedStepMeta(claim, label) {
   if (stepLabel === '直属领导审批' || stepLabel === '财务审批') {
     const approvalEvent = findApprovalEventForStep(claim, stepLabel)
     if (approvalEvent) {
-      const operator = normalizeText(approvalEvent.operator) || (stepLabel === '财务审批' ? '财务' : '审批人')
+      const operator = resolveDisplayName(
+        approvalEvent.operator,
+        approvalEvent.operator_name,
+        approvalEvent.operatorName,
+        stepLabel === '直属领导审批' ? claim?.manager_name : ''
+      ) || (stepLabel === '财务审批' ? '财务' : '直属领导')
       const approvedAt = formatDateTime(approvalEvent.created_at || approvalEvent.createdAt)
       return buildProgressStepMeta(`${operator}通过`, approvedAt, `${operator}审批通过 ${approvedAt}`.trim())
     }
@@ -383,7 +403,7 @@ function buildCompletedStepMeta(claim, label) {
 
 function resolveCurrentStepStartedAt(claim, label) {
   const stepLabel = normalizeText(label)
-  if (stepLabel === '保存草稿') {
+  if (stepLabel === '创建单据') {
     return claim?.created_at
   }
   if (stepLabel === '待提交') {
@@ -539,7 +559,7 @@ export function mapExpenseClaimToRequest(claim) {
     employeeName: String(claim?.employee_name || '').trim() || '待补充',
     employeePosition: String(claim?.employee_position || '').trim(),
     employeeGrade: String(claim?.employee_grade || '').trim(),
-    managerName: String(claim?.manager_name || '').trim(),
+    managerName: resolveDisplayName(claim?.manager_name),
     roleLabels: Array.isArray(claim?.role_labels) ? claim.role_labels.filter(Boolean) : [],
     entity: '',
     typeCode,

web/src/services/reimbursements.js

@@ -12,6 +12,13 @@ export function fetchExpenseClaimDetail(claimId) {
   return apiRequest(`/reimbursements/claims/${encodeURIComponent(String(claimId || '').trim())}`)
 }
 
+export function calculateTravelReimbursement(payload = {}) {
+  return apiRequest('/reimbursements/travel-calculator', {
+    method: 'POST',
+    body: JSON.stringify(payload)
+  })
+}
+
 export function createExpenseClaimItem(claimId, payload = {}) {
   return apiRequest(`/reimbursements/claims/${encodeURIComponent(String(claimId || '').trim())}/items`, {
     method: 'POST',

web/src/utils/accessControl.js

@@ -19,8 +19,9 @@ const VIEW_ROLE_RULES = {
   employees: ['manager'],
   settings: ['manager']
 }
-const CLAIM_MANAGER_ROLE_CODES = new Set(['finance', 'executive'])
+const CLAIM_MANAGER_ROLE_CODES = new Set(['executive'])
 const CLAIM_RETURN_ROLE_CODES = new Set(['finance', 'executive', 'manager', 'approver'])
+const CLAIM_LEADER_APPROVAL_ROLE_CODES = new Set(['manager', 'approver'])
 
 function normalizedRoleCodes(user) {
   if (!user) {
@@ -60,6 +61,14 @@ export function canReturnExpenseClaims(user) {
   return normalizedRoleCodes(user).some((roleCode) => CLAIM_RETURN_ROLE_CODES.has(roleCode))
 }
 
+export function canApproveLeaderExpenseClaims(user) {
+  if (Boolean(user?.isAdmin)) {
+    return true
+  }
+
+  return normalizedRoleCodes(user).some((roleCode) => CLAIM_LEADER_APPROVAL_ROLE_CODES.has(roleCode))
+}
+
 export function canAccessAppView(user, viewId) {
   if (!viewId || !user) {
     return false

web/src/utils/approvalInbox.js

@@ -1,5 +1,9 @@
 import { mapExpenseClaimToRequest } from '../composables/useRequests.js'
-import { canManageExpenseClaims } from './accessControl.js'
+import {
+  canApproveLeaderExpenseClaims,
+  canManageExpenseClaims,
+  isFinanceUser
+} from './accessControl.js'
 
 export function canProcessApprovalRequest(request, currentUser) {
   const node = String(request?.workflowNode || '').trim()
@@ -14,12 +18,18 @@ export function canProcessApprovalRequest(request, currentUser) {
     return true
   }
 
-  return (
+  if (isFinanceUser(currentUser) && node.includes('财务')) {
+    return true
+  }
+
+  const isLeaderApprovalNode = (
     node.includes('直属领导')
     || node.includes('领导审批')
     || node.includes('部门负责人')
     || node.includes('负责人审批')
   )
+
+  return canApproveLeaderExpenseClaims(currentUser) && isLeaderApprovalNode
 }
 
 export function listPendingApprovalRequests(claimsPayload, currentUser) {

web/src/utils/requestViewModel.js

@@ -181,6 +181,21 @@ function normalizeRoleLabels(value) {
   return text ? [text] : []
 }
 
+function isEmailLike(value) {
+  return /^[^@\s]+@[^@\s]+\.[^@\s]+$/.test(String(value || '').trim())
+}
+
+function resolveDisplayName(...values) {
+  for (const value of values) {
+    const normalized = String(value || '').trim()
+    if (normalized && !isEmailLike(normalized)) {
+      return normalized
+    }
+  }
+
+  return ''
+}
+
 export function normalizeRequestForUi(request) {
   if (!request) {
     return null
@@ -255,7 +270,12 @@ export function normalizeRequestForUi(request) {
       String(request.profilePosition || request.employeePosition || request.employee_position || request.position || '').trim()
       || '待补充',
     profileGrade: String(request.profileGrade || request.employeeGrade || request.employee_grade || request.grade || '').trim() || '待补充',
-    profileManager: String(request.profileManager || request.managerName || request.manager_name || request.manager || '').trim() || '待补充',
+    profileManager: resolveDisplayName(
+      request.profileManager,
+      request.managerName,
+      request.manager_name,
+      request.manager
+    ) || '待补充',
     roleLabels,
     profileAvatar:
       String(request.person || request.applicant || request.employeeName || '申').trim().slice(0, 1) || '申'

web/src/views/TravelReimbursementCreateView.vue

@@ -121,7 +121,14 @@
                     </div>
 
                     <div v-if="message.role === 'assistant' && !message.reviewPayload && message.meta?.length" class="message-meta-row">
-                      <span v-for="item in message.meta" :key="item" class="message-meta-chip">{{ item }}</span>
+                      <span
+                        v-for="item in message.meta"
+                        :key="item"
+                        class="message-meta-chip"
+                        :class="message.metaTone"
+                      >
+                        {{ item }}
+                      </span>
                     </div>
 
                     <div v-if="message.role === 'assistant' && !message.reviewPayload && message.riskFlags?.length" class="message-detail-block">
@@ -548,6 +555,72 @@
                           </div>
                         </div>
                       </div>
+                      <div class="travel-calculator-anchor">
+                        <button
+                          type="button"
+                          class="tool-btn composer-side-btn travel-calculator-trigger"
+                          :class="{ active: travelCalculatorOpen }"
+                          :disabled="submitting || reviewActionBusy || sessionSwitchBusy"
+                          aria-label="差旅计算器"
+                          title="差旅计算器"
+                          :aria-expanded="travelCalculatorOpen"
+                          @click.stop="toggleTravelCalculator"
+                        >
+                          <i class="mdi mdi-calculator"></i>
+                        </button>
+                        <div
+                          v-if="travelCalculatorOpen"
+                          class="travel-calculator-popover"
+                          role="dialog"
+                          aria-label="差旅计算器"
+                          @click.stop
+                        >
+                          <div class="travel-calculator-mini-head">
+                            <strong>差旅计算器</strong>
+                            <span>按规则中心差旅表测算</span>
+                          </div>
+                          <div class="travel-calculator-form">
+                            <label class="travel-calculator-field">
+                              <span>实际天数</span>
+                              <input
+                                v-model="travelCalculatorForm.days"
+                                type="number"
+                                min="1"
+                                step="1"
+                                inputmode="numeric"
+                                :disabled="travelCalculatorBusy"
+                                @keydown.enter.prevent="submitTravelCalculator"
+                              />
+                            </label>
+                            <label class="travel-calculator-field">
+                              <span>出差地点</span>
+                              <input
+                                v-model="travelCalculatorForm.location"
+                                type="text"
+                                placeholder="例如：北京、成都"
+                                :disabled="travelCalculatorBusy"
+                                @keydown.enter.prevent="submitTravelCalculator"
+                              />
+                            </label>
+                          </div>
+                          <p v-if="travelCalculatorError" class="travel-calculator-error">
+                            {{ travelCalculatorError }}
+                          </p>
+                          <div class="composer-date-popover-actions">
+                            <button type="button" class="composer-date-cancel-btn" :disabled="travelCalculatorBusy" @click="closeTravelCalculator">
+                              取消
+                            </button>
+                            <button
+                              type="button"
+                              class="composer-date-apply-btn"
+                              :disabled="!travelCalculatorCanSubmit"
+                              @click="submitTravelCalculator"
+                            >
+                              {{ travelCalculatorBusy ? '计算中...' : 'AI计算' }}
+                            </button>
+                          </div>
+                        </div>
+                      </div>
                     </div>
 
                     <div class="composer-shell">
@@ -783,7 +856,8 @@
                                 :class="{
                                   editable: item.editor,
                                   editing: reviewInlineEditorKey === item.key,
-                                  invalid: Boolean(reviewInlineErrors[item.key])
+                                  invalid: Boolean(reviewInlineErrors[item.key]),
+                                  wide: item.wide
                                 }"
                                 @click="openInlineReviewEditor(item.key)"
                               >
@@ -831,6 +905,19 @@
                                       @keydown.enter.prevent="commitInlineReviewEditor"
                                     />
                                   </template>
+                                  <template v-else-if="reviewInlineEditorKey === item.key && item.editor === 'textarea'">
+                                    <textarea
+                                      v-model="reviewInlineForm[item.modelKey]"
+                                      class="review-inline-input review-inline-textarea"
+                                      :class="{ invalid: Boolean(reviewInlineErrors[item.key]) }"
+                                      :placeholder="item.placeholder"
+                                      rows="3"
+                                      @click.stop
+                                      @input="clearInlineReviewFieldError(item.key)"
+                                      @blur="commitInlineReviewEditor"
+                                      @keydown.enter.stop
+                                    ></textarea>
+                                  </template>
                                   <template v-else-if="reviewInlineEditorKey === item.key && item.editor === 'select'">
                                     <div class="review-inline-select-list" @click.stop>
                                       <button
@@ -1091,12 +1178,9 @@
                           <section class="review-side-card review-side-risk-card">
                             <div class="review-side-head">
                               <div class="review-side-head-copy">
-                                <strong>合规提醒 / 风险评分</strong>
-                                <p>结合本体附件要求和识别结果，集中查看当前票据风险。</p>
+                                <strong>差旅合规提示</strong>
+                                <p>结合票据识别结果与差旅规则，逐项查看需要处理的风险点。</p>
                               </div>
-                              <span class="review-side-risk-score" :class="{ empty: reviewRiskScore === null }">
-                                {{ reviewRiskScore === null ? '无' : `${reviewRiskScore}/100` }}
-                              </span>
                             </div>
                             <p class="review-side-risk-summary">{{ reviewRiskSummary }}</p>
                             <div v-if="reviewRiskItems.length" class="review-side-risk-list">
@@ -1106,9 +1190,9 @@
                                 type="button"
                                 class="review-side-risk-item"
                                 :class="item.level"
-                                @click="openReviewRiskDetail(item)"
+                                @click="appendReviewRiskBriefToConversation(item)"
                               >
-                                <span class="review-side-risk-icon">
+                                <span class="review-side-risk-icon" :title="item.levelLabel">
                                   <i :class="item.icon"></i>
                                 </span>
                                 <span class="review-side-risk-copy">
@@ -1116,7 +1200,6 @@
                                   <p>{{ item.summary }}</p>
                                 </span>
                                 <span class="review-side-risk-meta">
-                                  {{ item.levelLabel }}
                                   <i class="mdi mdi-chevron-right"></i>
                                 </span>
                               </button>
@@ -1125,8 +1208,8 @@
                               <span class="review-side-empty-icon">
                                 <i class="mdi mdi-shield-check-outline"></i>
                               </span>
-                              <strong>暂无风险评分</strong>
-                              <p>当前版本还没有返回结构化风险评分结果，这里先不展示虚拟分数。</p>
+                              <strong>暂无风险提示</strong>
+                              <p>当前没有需要额外处理的结构化风险点。</p>
                             </div>
                           </section>
                         </template>
@@ -1222,41 +1305,6 @@
       @confirm="confirmCancelReview"
     />
 
-    <Transition name="assistant-modal">
-      <div v-if="reviewRiskDetailDialog.open" class="assistant-overlay review-overlay">
-        <section class="review-risk-detail-modal">
-          <header class="review-risk-detail-head">
-            <div>
-              <span class="assistant-badge warning">{{ reviewRiskDetailDialog.item?.sourceLabel || 'AI预审' }}</span>
-              <h3>{{ reviewRiskDetailDialog.item?.title || '风险提示' }}</h3>
-            </div>
-            <button class="close-btn" type="button" aria-label="关闭风险说明" @click="closeReviewRiskDetail">
-              <i class="mdi mdi-close"></i>
-            </button>
-          </header>
-
-          <div class="review-risk-detail-body">
-            <div class="review-risk-detail-level" :class="reviewRiskDetailDialog.item?.level">
-              <i :class="reviewRiskDetailDialog.item?.icon || 'mdi mdi-information-outline'"></i>
-              <span>{{ reviewRiskDetailDialog.item?.levelLabel || '提示' }}</span>
-            </div>
-            <article class="review-risk-detail-section">
-              <strong>提示情况</strong>
-              <p>{{ reviewRiskDetailDialog.item?.summary }}</p>
-            </article>
-            <article class="review-risk-detail-section">
-              <strong>详细解释</strong>
-              <p>{{ reviewRiskDetailDialog.item?.detail }}</p>
-            </article>
-            <article class="review-risk-detail-section">
-              <strong>处理建议</strong>
-              <p>{{ reviewRiskDetailDialog.item?.suggestion }}</p>
-            </article>
-          </div>
-        </section>
-      </div>
-    </Transition>
-
     <Transition name="assistant-modal">
       <div v-if="uploadDecisionDialogOpen" class="assistant-overlay review-overlay">
         <section class="review-confirm-modal review-upload-decision-modal">

web/src/views/TravelRequestDetailView.vue

@@ -375,15 +375,15 @@
             </article>
 
             <article v-if="showLeaderApprovalPanel" class="detail-card panel leader-approval-card">
-              <h3>领导意见</h3>
+              <h3>{{ approvalOpinionTitle }}</h3>
               <textarea
                 v-model="leaderOpinion"
                 maxlength="500"
-                placeholder="请输入审批意见，可补充核实情况、费用合理性或后续财务关注点。"
-                aria-label="领导意见"
+                :placeholder="approvalOpinionPlaceholder"
+                :aria-label="approvalOpinionTitle"
               ></textarea>
               <div class="leader-opinion-meta">
-                <span>审批通过后将流转至财务审批。</span>
+                <span>{{ approvalOpinionHint }}</span>
                 <strong>{{ leaderOpinion.length }}/500</strong>
               </div>
             </article>
@@ -620,10 +620,10 @@
 
     <ConfirmDialog
       :open="approveConfirmDialogOpen"
-      badge="领导审批"
+      :badge="approvalConfirmBadge"
       badge-tone="info"
       :title="`确认通过 ${request.id} 吗？`"
-      description="确认后该报销单会从直属领导审批流转到财务审批，请确认申请信息与领导意见无误。"
+      :description="approvalConfirmDescription"
       cancel-text="返回核对"
       confirm-text="确认通过"
       busy-text="通过中..."
@@ -644,10 +644,10 @@
         </div>
         <div class="submit-confirm-row">
           <span>下一节点</span>
-          <strong>财务审批</strong>
+          <strong>{{ approvalNextStage }}</strong>
         </div>
         <div class="submit-confirm-row">
-          <span>领导意见</span>
+          <span>{{ approvalOpinionTitle }}</span>
           <strong>{{ leaderOpinion.trim() || '未填写' }}</strong>
         </div>
       </div>

web/src/views/scripts/TravelReimbursementCreateView.js

@@ -15,6 +15,7 @@ import {
   TRANSPORT_KEYWORD_PATTERN
 } from '../../utils/reimbursementTextInference.js'
 import {
+  calculateTravelReimbursement,
   fetchExpenseClaimAttachmentAsset,
   fetchExpenseClaimDetail,
   fetchExpenseClaimItemAttachmentMeta,
@@ -55,15 +56,15 @@ const REVIEW_RISK_LEVEL_META = {
     icon: 'mdi mdi-alert-octagon-outline',
     suggestion: '建议先处理该项，再提交审批；如果属于合理业务场景，请补充说明或附件。'
   },
-  warning: {
-    label: '需关注',
+  medium: {
+    label: '中风险',
     icon: 'mdi mdi-alert-circle-outline',
     suggestion: '提交前建议核对业务真实性、附件完整性和规则口径。'
   },
-  info: {
-    label: '提示',
+  low: {
+    label: '低风险',
     icon: 'mdi mdi-information-outline',
-    suggestion: '该项主要用于辅助判断，可结合当前单据情况继续核对。'
+    suggestion: '该项主要用于辅助判断，可结合当前单据情况简单核对。'
   }
 }
 
@@ -310,6 +311,7 @@ const FLOW_MISSING_SLOT_LABELS = {
   participants: '参与人员',
   attachments: '票据附件'
 }
+const DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = ['历史报销画像', '用户画像', '制度注意事项', '制度注意']
 let messageSeed = 0
 
 function nowTime() {
@@ -1317,6 +1319,7 @@ function createEmptyInlineReviewState() {
   return {
     occurred_date: '',
     amount: '',
+    transport_type: '',
     scene_label: '',
     reason_value: '',
     customer_name: '',
@@ -1330,6 +1333,67 @@ function createEmptyInlineReviewState() {
   }
 }
 
+function isTravelReviewPayload(reviewPayload, inlineState = createEmptyInlineReviewState()) {
+  const expenseType = resolveExpenseTypeCode(
+    inlineState?.expense_type ||
+      buildReviewSlotMap(reviewPayload).expense_type?.normalized_value ||
+      buildReviewSlotMap(reviewPayload).expense_type?.value ||
+      ''
+  )
+  if (['travel', 'hotel', 'transport'].includes(expenseType)) {
+    return true
+  }
+
+  return (Array.isArray(reviewPayload?.document_cards) ? reviewPayload.document_cards : []).some((item) => {
+    const documentType = String(item?.document_type || '').trim().toLowerCase()
+    const suggestedType = resolveExpenseTypeCode(item?.suggested_expense_type || item?.scene_label || '')
+    return (
+      ['flight_itinerary', 'train_ticket', 'hotel_invoice', 'taxi_receipt', 'transport_receipt'].includes(documentType) ||
+      ['travel', 'hotel', 'transport'].includes(suggestedType)
+    )
+  })
+}
+
+function resolveReviewTravelTransportType(reviewPayload, fallbackText = '') {
+  const documents = Array.isArray(reviewPayload?.document_cards) ? reviewPayload.document_cards : []
+  const labels = []
+
+  const appendLabel = (label) => {
+    if (label && !labels.includes(label)) {
+      labels.push(label)
+    }
+  }
+
+  for (const item of documents) {
+    const documentType = String(item?.document_type || '').trim().toLowerCase()
+    const text = [
+      item?.filename,
+      item?.summary,
+      item?.scene_label,
+      item?.suggested_expense_type,
+      ...(Array.isArray(item?.fields) ? item.fields.map((field) => `${field?.label || ''}${field?.value || ''}`) : [])
+    ].join(' ')
+    const compact = text.replace(/\s+/g, '')
+
+    if (documentType === 'flight_itinerary' || /飞机|机票|航班|登机牌/.test(compact)) {
+      appendLabel('飞机')
+    } else if (documentType === 'train_ticket' || /火车|高铁|动车|铁路|车票/.test(compact)) {
+      appendLabel('火车/高铁')
+    } else if (documentType === 'taxi_receipt' || /打车|网约车|出租车|滴滴|的士/.test(compact)) {
+      appendLabel('打车/网约车')
+    }
+  }
+
+  const fallback = String(fallbackText || '').replace(/\s+/g, '')
+  if (!labels.length) {
+    if (/飞机|机票|航班/.test(fallback)) appendLabel('飞机')
+    if (/火车|高铁|动车|铁路/.test(fallback)) appendLabel('火车/高铁')
+    if (/打车|网约车|出租车|滴滴|的士/.test(fallback)) appendLabel('打车/网约车')
+  }
+
+  return labels.join('、')
+}
+
 function buildClientTimeContext() {
   const now = new Date()
   const locale =
@@ -1434,7 +1498,11 @@ function resolveReviewMissingSlotCards(reviewPayload) {
 }
 
 function resolveReviewRiskBriefs(reviewPayload) {
-  return Array.isArray(reviewPayload?.risk_briefs) ? reviewPayload.risk_briefs : []
+  if (!Array.isArray(reviewPayload?.risk_briefs)) return []
+  return reviewPayload.risk_briefs.filter((item) => {
+    const title = String(item?.title || '').trim()
+    return !DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS.some((keyword) => title.includes(keyword))
+  })
 }
 
 function formatConfidenceLabel(value) {
@@ -1792,7 +1860,7 @@ function buildReviewAlertChips(reviewPayload) {
     chips.push({
       key: item.key,
       label: buildReviewAlertLabel(item.key, expenseTypeLabel),
-      tone: item.key === 'attachments' ? 'danger' : 'warning'
+      tone: 'warning'
     })
   }
 
@@ -1830,7 +1898,7 @@ function buildReviewTodoItems(reviewPayload) {
         title: config.title || item.label,
         hint: item.hint || config.hint || `请补充${item.label}`,
         status: config.status || '待补充',
-        tone: item.key === 'attachments' ? 'danger' : 'warning'
+        tone: 'warning'
       }
     })
   }
@@ -2075,6 +2143,9 @@ function buildInlineReviewState(reviewPayload) {
     editFieldMap.reason?.value || slotMap.reason?.raw_value || slotMap.reason?.value || ''
   ).trim()
   const sceneLabel = inferPresetSceneFromReview(reviewPayload, reasonValue, expenseType)
+  const transportType = String(
+    editFieldMap.transport_type?.value || resolveReviewTravelTransportType(reviewPayload, reasonValue)
+  ).trim()
 
   return {
     occurred_date: String(
@@ -2083,6 +2154,7 @@ function buildInlineReviewState(reviewPayload) {
     amount: normalizeAmountValue(
       String(editFieldMap.amount?.value || slotMap.amount?.normalized_value || slotMap.amount?.value || '').trim()
     ),
+    transport_type: transportType,
     scene_label: sceneLabel,
     reason_value:
       sceneLabel === REVIEW_SCENE_OTHER_OPTION
@@ -2129,6 +2201,56 @@ function buildReviewFactCards(reviewPayload, inlineState = createEmptyInlineRevi
       : totalAttachmentCount > 0
         ? `已上传 ${totalAttachmentCount} 份`
         : buildReviewAttachmentStatus(reviewPayload)
+  if (isTravelReviewPayload(reviewPayload, inlineState)) {
+    return [
+      {
+        key: 'occurred_date',
+        label: '发生时间',
+        value: String(inlineState.occurred_date || '').trim() || '待补充',
+        icon: 'mdi mdi-calendar-month-outline',
+        editor: 'date',
+        modelKey: 'occurred_date',
+        placeholder: `例如 ${DATE_INPUT_FORMAT}`
+      },
+      {
+        key: 'amount',
+        label: '金额',
+        value: formatAmountDisplay(inlineState.amount) || '待补充',
+        icon: 'mdi mdi-cash',
+        editor: 'amount',
+        modelKey: 'amount',
+        placeholder: '例如 200.00'
+      },
+      {
+        key: 'transport_type',
+        label: '交通类型',
+        value: String(inlineState.transport_type || '').trim() || '待确认',
+        icon: 'mdi mdi-train-car',
+        editor: 'text',
+        modelKey: 'transport_type',
+        placeholder: '例如 火车/高铁、飞机'
+      },
+      {
+        key: 'hotel_name',
+        label: '酒店名称',
+        value: String(inlineState.merchant_name || '').trim() || '待补充',
+        icon: 'mdi mdi-bed-outline',
+        editor: 'text',
+        modelKey: 'merchant_name',
+        placeholder: '请输入酒店名称'
+      },
+      {
+        key: 'travel_purpose',
+        label: '出差事宜',
+        value: String(inlineState.reason_value || '').trim() || '待补充',
+        icon: 'mdi mdi-briefcase-edit-outline',
+        editor: 'textarea',
+        modelKey: 'reason_value',
+        placeholder: '请填写本次出差的具体工作内容或业务意图',
+        wide: true
+      }
+    ]
+  }
   const cards = [
     {
       key: 'occurred_date',
@@ -2319,14 +2441,6 @@ function buildReviewPanelConfidence(reviewPayload, inlineState = createEmptyInli
   )
 }
 
-function buildReviewRiskScore(reviewPayload) {
-  const score = Number(reviewPayload?.risk_score)
-  if (!Number.isFinite(score) || score <= 0) {
-    return null
-  }
-  return Math.max(0, Math.min(100, Math.round(score)))
-}
-
 function buildMissingRiskLine(slotKey, expenseTypeLabel = '') {
   if (slotKey === 'customer_name') {
     return expenseTypeLabel === '业务招待费'
@@ -2353,17 +2467,30 @@ function buildMissingRiskLine(slotKey, expenseTypeLabel = '') {
 
 function buildReviewRiskSummary(reviewPayload) {
   if (resolveReviewRiskBriefs(reviewPayload).length) {
-    return '当前识别到了合规提醒，提交前建议逐项核对。'
+    return '当前识别到了风险提示，点击任一风险点会在主对话中展开规则依据和整改建议。'
   }
-  return '当前版本暂未生成风险评分结果。'
+  return '当前没有需要额外处理的结构化风险点。'
 }
 
 function normalizeReviewRiskLevel(level) {
   const normalized = String(level || '').trim().toLowerCase()
   if (normalized === 'danger' || normalized === 'error' || normalized === 'critical') return 'high'
-  if (normalized === 'warn' || normalized === 'medium') return 'warning'
-  if (normalized === 'high' || normalized === 'warning' || normalized === 'info') return normalized
-  return 'info'
+  if (normalized === 'warn' || normalized === 'warning' || normalized === 'medium') return 'medium'
+  if (normalized === 'info' || normalized === 'notice' || normalized === 'low') return 'low'
+  if (normalized === 'high') return normalized
+  return 'low'
+}
+
+function normalizeReviewRiskTitle(title, fallbackTitle) {
+  const normalized = String(title || '').trim()
+  const fallback = String(fallbackTitle || '风险提示').trim() || '风险提示'
+  if (!normalized) return fallback
+  const cleaned = normalized
+    .replace(/AI\s*预审\s*(暂未通过|未通过|不通过)?/g, '风险提示')
+    .replace(/(高风险|中风险|低风险)/g, '')
+    .replace(/^[：:\-—\s]+|[：:\-—\s]+$/g, '')
+    .trim()
+  return cleaned || fallback
 }
 
 function buildReviewRiskItems(reviewPayload) {
@@ -2374,9 +2501,9 @@ function buildReviewRiskItems(reviewPayload) {
       const detail = String(brief?.detail || '').trim()
       const suggestion = String(brief?.suggestion || '').trim()
       const level = normalizeReviewRiskLevel(brief?.level)
-      const meta = REVIEW_RISK_LEVEL_META[level] || REVIEW_RISK_LEVEL_META.info
+      const meta = REVIEW_RISK_LEVEL_META[level] || REVIEW_RISK_LEVEL_META.low
       const fallbackTitle = content ? `风险提示 ${index + 1}` : '风险提示'
-      const normalizedTitle = title || fallbackTitle
+      const normalizedTitle = normalizeReviewRiskTitle(title, fallbackTitle)
       const summary = content || normalizedTitle
 
       if (!normalizedTitle && !summary) return null
@@ -2389,12 +2516,30 @@ function buildReviewRiskItems(reviewPayload) {
         level,
         levelLabel: meta.label,
         icon: meta.icon,
-        sourceLabel: title === '历史报销画像' ? '历史记录' : 'AI预审',
+        sourceLabel: meta.label,
         suggestion: suggestion || meta.suggestion
       }
     })
     .filter(Boolean)
-    .slice(0, 6)
+}
+
+function buildReviewRiskConversationText(item) {
+  const title = String(item?.title || '风险提示').trim()
+  const summary = String(item?.summary || '').trim()
+  const detail = String(item?.detail || '').trim()
+  const suggestion = String(item?.suggestion || '').trim()
+  const lines = [`${title}`]
+
+  if (summary) {
+    lines.push('', `风险点：${summary}`)
+  }
+  if (detail && detail !== summary) {
+    lines.push('', `规则依据：${detail}`)
+  }
+  if (suggestion) {
+    lines.push('', `修改建议：${suggestion}`)
+  }
+  return lines.join('\n')
 }
 
 function resolveInlineReviewSlotValue(slotKey, inlineState = createEmptyInlineReviewState()) {
@@ -2489,6 +2634,7 @@ function normalizeInlineReviewComparableState(state) {
   return {
     occurred_date: String(source.occurred_date || '').trim(),
     amount: String(source.amount || '').trim(),
+    transport_type: String(source.transport_type || '').trim(),
     scene_label: String(source.scene_label || '').trim(),
     reason_value: String(source.reason_value || '').trim(),
     customer_name: String(source.customer_name || '').trim(),
@@ -2512,6 +2658,9 @@ function buildInlineReviewChangedLines(baseState, nextState, pendingFiles = [])
   if (base.amount !== next.amount) {
     lines.push(`金额 ${formatAmountDisplay(next.amount) || '待补充'}`)
   }
+  if (base.transport_type !== next.transport_type) {
+    lines.push(`交通类型 ${next.transport_type || '待确认'}`)
+  }
   if (base.scene_label !== next.scene_label) {
     lines.push(`场景 ${next.scene_label || '待补充'}`)
   }
@@ -2543,6 +2692,7 @@ function buildInlineReviewChangePhrases(baseState, nextState, pendingFiles = [])
   const fieldConfigs = [
     { key: 'occurred_date', label: '发生时间', format: (value) => value || '待补充' },
     { key: 'amount', label: '金额', format: (value) => formatAmountDisplay(value) || '待补充' },
+    { key: 'transport_type', label: '交通类型', format: (value) => value || '待确认' },
     { key: 'scene_label', label: '场景', format: (value) => value || '待补充' },
     { key: 'customer_name', label: '关联客户', format: (value) => value || '待补充' },
     { key: 'location', label: '业务地点', format: (value) => value || '待补充' },
@@ -2611,6 +2761,7 @@ function mergeInlineReviewFields(baseFields, inlineState) {
   const merged = cloneReviewEditFields(baseFields)
   const updateMap = {
     expense_type: inlineState.expense_type,
+    transport_type: inlineState.transport_type,
     occurred_date: inlineState.occurred_date,
     amount: inlineState.amount,
     customer_name: inlineState.customer_name,
@@ -2699,7 +2850,7 @@ function buildReviewRiskHint(reviewPayload) {
   if (!riskBriefs.length) {
     return ''
   }
-  return '这些是我根据当前场景和历史记录给你的提醒，提交前建议顺手核对一下。'
+  return '这些是我根据当前单据信息、票据识别结果和规则口径给出的风险提示，提交前建议顺手核对一下。'
 }
 
 function buildReviewActionHint(reviewPayload) {
@@ -2839,6 +2990,14 @@ export default {
     const composerRangeEndDate = ref(formatDateInputValue())
     const composerBusinessTimeTags = ref([])
     const composerBusinessTimeDraftTouched = ref(false)
+    const travelCalculatorOpen = ref(false)
+    const travelCalculatorBusy = ref(false)
+    const travelCalculatorError = ref('')
+    const travelCalculatorResult = ref(null)
+    const travelCalculatorForm = ref({
+      days: '1',
+      location: ''
+    })
     const attachedFiles = ref([])
     const composerFilesExpanded = ref(false)
     const submitting = ref(false)
@@ -2882,10 +3041,6 @@ export default {
     const activeReviewDocumentIndex = ref(0)
     const reviewDrawerMode = ref(REVIEW_DRAWER_MODE_REVIEW)
     const insightPanelCollapsed = ref(false)
-    const reviewRiskDetailDialog = ref({
-      open: false,
-      item: null
-    })
     const documentPreviewDialog = ref({
       open: false,
       filename: '',
@@ -2921,6 +3076,11 @@ export default {
         && composerRangeStartDate.value <= composerRangeEndDate.value
       )
     })
+    const travelCalculatorCanSubmit = computed(() =>
+      !travelCalculatorBusy.value
+      && Number(travelCalculatorForm.value.days) >= 1
+      && Boolean(String(travelCalculatorForm.value.location || '').trim())
+    )
     const isKnowledgeSession = computed(() => activeSessionType.value === SESSION_TYPE_KNOWLEDGE)
     const completedFlowStepCount = computed(
       () => flowSteps.value.filter((step) => step.status === FLOW_STEP_STATUS_COMPLETED).length
@@ -3040,10 +3200,9 @@ export default {
         ).length > 0
     )
     const reviewPanelConfidence = computed(() => buildReviewPanelConfidence(activeReviewPayload.value, reviewInlineForm.value))
-    const reviewRiskScore = computed(() => buildReviewRiskScore(activeReviewPayload.value))
     const reviewRiskSummary = computed(() => buildReviewRiskSummary(activeReviewPayload.value))
     const reviewRiskItems = computed(() => buildReviewRiskItems(activeReviewPayload.value))
-    const reviewRiskEmpty = computed(() => reviewRiskScore.value === null && !reviewRiskItems.value.length)
+    const reviewRiskEmpty = computed(() => !reviewRiskItems.value.length)
     const reviewDocumentDrawerAvailable = computed(() => reviewDocumentCount.value > 0)
     const reviewRiskDrawerAvailable = computed(() => !reviewRiskEmpty.value)
     const reviewFlowDrawerAvailable = computed(() => flowSteps.value.length > 0)
@@ -3301,7 +3460,9 @@ export default {
         activeReviewDocumentIndex.value = nextDocumentDrafts.length
           ? Math.min(activeReviewDocumentIndex.value, nextDocumentDrafts.length - 1)
           : 0
-        reviewDrawerMode.value = REVIEW_DRAWER_MODE_REVIEW
+        reviewDrawerMode.value = resolveReviewRiskBriefs(payload).length
+          ? REVIEW_DRAWER_MODE_RISK
+          : REVIEW_DRAWER_MODE_REVIEW
         reviewInlinePendingFiles.value = []
         reviewInlineEditorKey.value = ''
         reviewInlineErrors.value = {}
@@ -3975,6 +4136,9 @@ export default {
 
     function toggleComposerDatePicker() {
       composerDatePickerOpen.value = !composerDatePickerOpen.value
+      if (composerDatePickerOpen.value) {
+        travelCalculatorOpen.value = false
+      }
     }
 
     function closeComposerDatePicker() {
@@ -3998,13 +4162,21 @@ export default {
     }
 
     function handleComposerDatePickerOutside(event) {
-      if (!composerDatePickerOpen.value) {
+      if (!composerDatePickerOpen.value && !travelCalculatorOpen.value) {
         return
       }
       if (event.target instanceof Element && event.target.closest('.composer-date-anchor')) {
         return
       }
-      composerDatePickerOpen.value = false
+      if (event.target instanceof Element && event.target.closest('.travel-calculator-anchor')) {
+        return
+      }
+      if (composerDatePickerOpen.value) {
+        composerDatePickerOpen.value = false
+      }
+      if (travelCalculatorOpen.value && !travelCalculatorBusy.value) {
+        travelCalculatorOpen.value = false
+      }
     }
 
     async function applyComposerDateSelection() {
@@ -4026,6 +4198,142 @@ export default {
       composerTextareaRef.value?.focus()
     }
 
+    function resolveTravelCalculatorInitialDays() {
+      const businessTimeContext = buildComposerBusinessTimeContext()
+      if (!businessTimeContext) {
+        return 1
+      }
+      const startDate = businessTimeContext.start_date
+      const endDate = businessTimeContext.end_date || startDate
+      if (!isValidIsoDateString(startDate) || !isValidIsoDateString(endDate) || startDate > endDate) {
+        return 1
+      }
+      const startAt = Date.parse(`${startDate}T00:00:00Z`)
+      const endAt = Date.parse(`${endDate}T00:00:00Z`)
+      if (!Number.isFinite(startAt) || !Number.isFinite(endAt)) {
+        return 1
+      }
+      return Math.max(1, Math.round((endAt - startAt) / 86400000) + 1)
+    }
+
+    function resolveTravelCalculatorInitialLocation() {
+      const slotMap = buildReviewSlotMap(activeReviewPayload.value)
+      const candidates = [
+        reviewInlineForm.value.location,
+        slotMap.business_location?.normalized_value,
+        slotMap.business_location?.value,
+        slotMap.location?.normalized_value,
+        slotMap.location?.value,
+        currentUser.value?.location
+      ]
+      return String(candidates.find((item) => String(item || '').trim()) || '').trim()
+    }
+
+    function openTravelCalculator() {
+      closeComposerDatePicker()
+      travelCalculatorError.value = ''
+      travelCalculatorResult.value = null
+      travelCalculatorForm.value = {
+        days: String(resolveTravelCalculatorInitialDays()),
+        location: resolveTravelCalculatorInitialLocation()
+      }
+      travelCalculatorOpen.value = true
+    }
+
+    function toggleTravelCalculator() {
+      if (travelCalculatorOpen.value) {
+        closeTravelCalculator()
+        return
+      }
+      openTravelCalculator()
+    }
+
+    function closeTravelCalculator() {
+      if (travelCalculatorBusy.value) {
+        return
+      }
+      travelCalculatorOpen.value = false
+    }
+
+    function formatTravelCalculatorMoney(value) {
+      const amount = Number(value)
+      if (!Number.isFinite(amount)) {
+        return String(value || '0')
+      }
+      return amount.toFixed(2)
+    }
+
+    function buildTravelCalculatorResultText(result) {
+      const days = Number(result?.days) || 1
+      const location = String(result?.location || '').trim() || '未填写地点'
+      const matchedCity = String(result?.matched_city || location).trim()
+      const grade = String(result?.grade || '').trim() || '当前职级'
+      const gradeBandLabel = String(result?.grade_band_label || result?.grade_band || '').trim() || '对应档位'
+      const allowanceRegion = String(result?.allowance_region || '').trim() || '默认区域'
+      const ruleName = String(result?.rule_name || '').trim() || '公司差旅费报销规则'
+      const ruleVersion = String(result?.rule_version || '').trim()
+      const hotelRate = formatTravelCalculatorMoney(result?.hotel_rate)
+      const hotelAmount = formatTravelCalculatorMoney(result?.hotel_amount)
+      const mealRate = formatTravelCalculatorMoney(result?.meal_allowance_rate)
+      const basicRate = formatTravelCalculatorMoney(result?.basic_allowance_rate)
+      const allowanceRate = formatTravelCalculatorMoney(result?.total_allowance_rate)
+      const allowanceAmount = formatTravelCalculatorMoney(result?.allowance_amount)
+      const totalAmount = formatTravelCalculatorMoney(result?.total_amount)
+      const ruleVersionText = ruleVersion ? `（${ruleVersion}）` : ''
+      const user = currentUser.value || {}
+      const displayName = String(user.name || user.display_name || user.username || '').trim()
+      const greeting = displayName ? `您好，${displayName}，` : '您好，'
+
+      return [
+        `${greeting}根据您输入的地点和天数，我匹配到您要出差的地区为：**${matchedCity}**，出差天数为：**${days} 天**，我根据公司的报销文件给您预估金额如下：`,
+        '',
+        `**参考可报销合计：${totalAmount} 元**`,
+        '',
+        '| 项目 | 标准口径 | 天数 | 小计 |',
+        '| --- | --- | ---: | ---: |',
+        `| 住宿费 | ${matchedCity} / ${grade}（${gradeBandLabel}）标准：${hotelRate} 元/天 | ${days} | ${hotelAmount} 元 |`,
+        `| 出差补贴 | ${allowanceRegion}：伙食 ${mealRate} 元 + 基本 ${basicRate} 元 = ${allowanceRate} 元/天 | ${days} | ${allowanceAmount} 元 |`,
+        '',
+        '**计算过程**',
+        `1. 住宿费：${hotelRate} × ${days} = ${hotelAmount} 元`,
+        `2. 出差补贴：(${mealRate} + ${basicRate}) × ${days} = ${allowanceRate} × ${days} = ${allowanceAmount} 元`,
+        `3. 合计：${hotelAmount} + ${allowanceAmount} = ${totalAmount} 元`,
+        '',
+        `**规则依据**：${ruleName}${ruleVersionText}。出差地点“${location}”匹配为“${matchedCity}”，当前职级“${grade}”匹配“${gradeBandLabel}”档。`,
+        '',
+        '这个结果是提交前的规则测算参考，最终仍以实际票据、审批意见和财务复核口径为准。'
+      ].join('\n')
+    }
+
+    async function submitTravelCalculator() {
+      if (!travelCalculatorCanSubmit.value) {
+        travelCalculatorError.value = '请填写出差天数和地点后再计算。'
+        return
+      }
+
+      travelCalculatorBusy.value = true
+      travelCalculatorError.value = ''
+      try {
+        const user = currentUser.value || {}
+        const payload = await calculateTravelReimbursement({
+          days: Math.max(1, Number.parseInt(String(travelCalculatorForm.value.days || '1'), 10) || 1),
+          location: String(travelCalculatorForm.value.location || '').trim(),
+          grade: String(user.grade || '').trim()
+        })
+        travelCalculatorResult.value = payload
+        messages.value.push(createMessage('assistant', buildTravelCalculatorResultText(payload), [], {
+          meta: ['差旅计算器'],
+          metaTone: 'low'
+        }))
+        travelCalculatorOpen.value = false
+        nextTick(scrollToBottom)
+      } catch (error) {
+        travelCalculatorError.value = error?.message || '差旅金额测算失败，请稍后重试。'
+      } finally {
+        travelCalculatorBusy.value = false
+      }
+    }
+
     function rememberFilePreviews(filePreviews) {
       reviewFilePreviews.value = mergeFilePreviews(reviewFilePreviews.value, filePreviews)
     }
@@ -4378,6 +4686,7 @@ export default {
         ...reviewInlineForm.value,
         occurred_date: String(reviewInlineForm.value.occurred_date || '').trim(),
         amount: String(reviewInlineForm.value.amount || '').trim(),
+        transport_type: String(reviewInlineForm.value.transport_type || '').trim(),
         customer_name: String(reviewInlineForm.value.customer_name || '').trim(),
         location: String(reviewInlineForm.value.location || '').trim(),
         merchant_name: String(reviewInlineForm.value.merchant_name || '').trim(),
@@ -4473,19 +4782,13 @@ export default {
       })
     }
 
-    function openReviewRiskDetail(item) {
+    function appendReviewRiskBriefToConversation(item) {
       if (!item) return
-      reviewRiskDetailDialog.value = {
-        open: true,
-        item
-      }
-    }
-
-    function closeReviewRiskDetail() {
-      reviewRiskDetailDialog.value = {
-        ...reviewRiskDetailDialog.value,
-        open: false
-      }
+      messages.value.push(createMessage('assistant', buildReviewRiskConversationText(item), [], {
+        meta: [item.sourceLabel || item.levelLabel || '风险提示'],
+        metaTone: item.level || 'low'
+      }))
+      nextTick(scrollToBottom)
     }
 
     function goReviewDocument(direction) {
@@ -5267,11 +5570,9 @@ export default {
       REVIEW_OTHER_CATEGORY_OPTIONS,
       workbenchVisible,
       reviewPanelConfidence,
-      reviewRiskScore,
       reviewRiskSummary,
       reviewRiskItems,
       reviewRiskEmpty,
-      reviewRiskDetailDialog,
       recognizedNarratives,
       reviewRecognitionNotes,
       reviewDocumentSummaries,
@@ -5281,6 +5582,12 @@ export default {
       reviewCancelDialogOpen,
       reviewEditDialogOpen,
       uploadDecisionDialogOpen,
+      travelCalculatorOpen,
+      travelCalculatorBusy,
+      travelCalculatorError,
+      travelCalculatorResult,
+      travelCalculatorForm,
+      travelCalculatorCanSubmit,
       deleteSessionDialogOpen,
       reviewActionBusy,
       deleteSessionBusy,
@@ -5331,6 +5638,10 @@ export default {
       resolveFlowStepStatusLabel,
       resolveFlowStepDetail,
       toggleInsightPanel,
+      openTravelCalculator,
+      toggleTravelCalculator,
+      closeTravelCalculator,
+      submitTravelCalculator,
       switchToReviewOverviewDrawer,
       toggleReviewDocumentDrawer,
       toggleReviewRiskDrawer,
@@ -5357,8 +5668,7 @@ export default {
       selectReviewCategory,
       selectReviewOtherCategory,
       queryDraftByClaimNo,
-      openReviewRiskDetail,
-      closeReviewRiskDetail,
+      appendReviewRiskBriefToConversation,
       goReviewDocument,
       openActiveReviewDocumentPreview,
       closeDocumentPreview,

web/src/views/scripts/TravelRequestDetailView.js

@@ -17,7 +17,12 @@ import {
   uploadExpenseClaimItemAttachment,
   updateExpenseClaimItem
 } from '../../services/reimbursements.js'
-import { canManageExpenseClaims, canReturnExpenseClaims } from '../../utils/accessControl.js'
+import {
+  canApproveLeaderExpenseClaims,
+  canManageExpenseClaims,
+  canReturnExpenseClaims,
+  isFinanceUser
+} from '../../utils/accessControl.js'
 import { normalizeRequestForUi } from '../../utils/requestViewModel.js'
 import {
   buildAiAdviceViewModel,
@@ -82,7 +87,7 @@ function resolveLocationDisplay(value, expenseType) {
 
 function buildFallbackProgressSteps() {
   return [
-    { index: 1, label: '保存草稿', time: '已完成', done: true, active: true },
+    { index: 1, label: '创建单据', time: '已完成', done: true, active: true },
     { index: 2, label: '待提交', time: '进行中', active: true, current: true },
     { index: 3, label: 'AI预审', time: '待处理' },
     { index: 4, label: '直属领导审批', time: '待处理' },
@@ -486,20 +491,51 @@ export default {
       const node = String(request.value.node || request.value.approvalStage || '').trim()
       return node === '直属领导审批'
     })
-    const showLeaderApprovalPanel = computed(() =>
-      Boolean(props.approvalMode)
-      && request.value.approvalKey === 'in_progress'
-      && isDirectManagerApprovalStage.value
-      && Boolean(request.value.claimId)
-    )
+    const isFinanceApprovalStage = computed(() => {
+      const node = String(request.value.node || request.value.approvalStage || '').trim()
+      return node === '财务审批'
+    })
     const canReturnRequest = computed(() =>
       canReturnExpenseClaims(currentUser.value)
       && request.value.approvalKey === 'in_progress'
       && Boolean(request.value.claimId)
     )
     const canApproveRequest = computed(() =>
-      showLeaderApprovalPanel.value
-      && canReturnExpenseClaims(currentUser.value)
+      Boolean(props.approvalMode)
+      && request.value.approvalKey === 'in_progress'
+      && Boolean(request.value.claimId)
+      && (
+        (
+          isDirectManagerApprovalStage.value
+          && canApproveLeaderExpenseClaims(currentUser.value)
+        )
+        || (
+          isFinanceApprovalStage.value
+          && isFinanceUser(currentUser.value)
+        )
+      )
+    )
+    const showLeaderApprovalPanel = computed(() => canApproveRequest.value)
+    const approvalOpinionTitle = computed(() => (isFinanceApprovalStage.value ? '财务意见' : '领导意见'))
+    const approvalOpinionPlaceholder = computed(() =>
+      isFinanceApprovalStage.value
+        ? '请输入财务终审意见，可补充票据核验、金额一致性或入账关注点。'
+        : '请输入审批意见，可补充核实情况、费用合理性或后续财务关注点。'
+    )
+    const approvalOpinionHint = computed(() =>
+      isFinanceApprovalStage.value ? '审核通过后将进入归档入账。' : '审批通过后将流转至财务审批。'
+    )
+    const approvalConfirmBadge = computed(() => (isFinanceApprovalStage.value ? '财务终审' : '领导审批'))
+    const approvalConfirmDescription = computed(() =>
+      isFinanceApprovalStage.value
+        ? '确认后该报销单会完成财务终审并进入归档入账，请确认票据、金额与财务意见无误。'
+        : '确认后该报销单会从直属领导审批流转到财务审批，请确认申请信息与领导意见无误。'
+    )
+    const approvalNextStage = computed(() => (isFinanceApprovalStage.value ? '归档入账' : '财务审批'))
+    const approvalSuccessToast = computed(() =>
+      isFinanceApprovalStage.value
+        ? `${request.value.id} 已完成财务终审，进入归档入账。`
+        : `${request.value.id} 已审批通过，流转至财务审批。`
     )
     const deleteActionLabel = computed(() => (isDraftRequest.value ? '删除草稿' : '删除单据'))
     const deleteDialogTitle = computed(() => `确认${deleteActionLabel.value} ${request.value.id} 吗？`)
@@ -564,7 +600,7 @@ export default {
       },
       {
         key: 'date',
-        label: '日期',
+        label: '单据申请日期',
         value: request.value.applyTime || request.value.occurredDisplay,
         icon: 'mdi mdi-calendar-month-outline',
         valueClass: ''
@@ -1011,12 +1047,23 @@ export default {
       try {
         const payload = await uploadExpenseClaimItemAttachment(request.value.claimId, item.id, file)
         expenseAttachmentMeta[item.id] = payload?.attachment || null
-        applyLocalExpenseItemPatch(item.id, {
+        const recognizedItemAmount = Number(payload?.item_amount ?? payload?.itemAmount)
+        const itemPatch = {
           invoiceId: String(payload?.invoice_id || '').trim(),
           attachmentHint: String(payload?.attachment?.file_name || file.name || '').trim()
+        }
+        if (Number.isFinite(recognizedItemAmount) && recognizedItemAmount > 0) {
+          itemPatch.itemAmount = recognizedItemAmount
+          itemPatch.amount = formatCurrency(recognizedItemAmount)
+        }
+        applyLocalExpenseItemPatch(item.id, {
+          ...itemPatch
         })
         if (editingExpenseId.value === item.id) {
           expenseEditor.invoiceId = String(payload?.invoice_id || '').trim()
+          if (Number.isFinite(recognizedItemAmount) && recognizedItemAmount > 0) {
+            expenseEditor.itemAmount = String(recognizedItemAmount)
+          }
         }
 
         emit('request-updated', { claimId: request.value.claimId })
@@ -1322,7 +1369,7 @@ export default {
       }
 
       if (!canApproveRequest.value) {
-        toast('当前节点不支持领导审批通过。')
+        toast('当前节点暂不支持审批通过。')
         return
       }
 
@@ -1345,7 +1392,7 @@ export default {
       }
 
       if (!canApproveRequest.value) {
-        toast('当前节点不支持领导审批通过。')
+        toast('当前节点暂不支持审批通过。')
         approveConfirmDialogOpen.value = false
         return
       }
@@ -1357,7 +1404,7 @@ export default {
         })
         approveConfirmDialogOpen.value = false
         leaderOpinion.value = ''
-        toast(`${request.value.id} 已审批通过，流转至财务审批。`)
+        toast(approvalSuccessToast.value)
         emit('request-updated', { claimId: request.value.claimId })
       } catch (error) {
         toast(error?.message || '审批通过失败，请稍后重试。')
@@ -1396,6 +1443,12 @@ export default {
       attachmentPreviewUrl,
       approveBusy,
       approveConfirmDialogOpen,
+      approvalConfirmBadge,
+      approvalConfirmDescription,
+      approvalNextStage,
+      approvalOpinionHint,
+      approvalOpinionPlaceholder,
+      approvalOpinionTitle,
       canDeleteRequest,
       canManageCurrentClaim,
       canNavigateAttachmentPreview,

web/tests/accessControl.test.mjs

@@ -1,7 +1,12 @@
 import assert from 'node:assert/strict'
 import test from 'node:test'
 
-import { canManageExpenseClaims, canReturnExpenseClaims } from '../src/utils/accessControl.js'
+import {
+  canApproveLeaderExpenseClaims,
+  canManageExpenseClaims,
+  canReturnExpenseClaims
+} from '../src/utils/accessControl.js'
+import { canProcessApprovalRequest } from '../src/utils/approvalInbox.js'
 
 test('direct approvers can return claims without receiving delete permissions', () => {
   const managerUser = { roleCodes: ['manager'] }
@@ -9,13 +14,42 @@ test('direct approvers can return claims without receiving delete permissions',
 
   assert.equal(canReturnExpenseClaims(managerUser), true)
   assert.equal(canReturnExpenseClaims(approverUser), true)
+  assert.equal(canApproveLeaderExpenseClaims(managerUser), true)
+  assert.equal(canApproveLeaderExpenseClaims(approverUser), true)
   assert.equal(canManageExpenseClaims(managerUser), false)
   assert.equal(canManageExpenseClaims(approverUser), false)
 })
 
-test('finance and executives can return and manage claims', () => {
+test('finance can return and final approve, but only executives can manage delete permissions', () => {
   assert.equal(canReturnExpenseClaims({ roleCodes: ['finance'] }), true)
-  assert.equal(canManageExpenseClaims({ roleCodes: ['finance'] }), true)
+  assert.equal(canApproveLeaderExpenseClaims({ roleCodes: ['finance'] }), false)
+  assert.equal(canManageExpenseClaims({ roleCodes: ['finance'] }), false)
   assert.equal(canReturnExpenseClaims({ roleCodes: ['executive'] }), true)
   assert.equal(canManageExpenseClaims({ roleCodes: ['executive'] }), true)
 })
+
+test('finance approval inbox only processes finance-stage requests', () => {
+  const financeUser = { roleCodes: ['finance'], name: '财务' }
+
+  assert.equal(
+    canProcessApprovalRequest({ workflowNode: '财务审批', person: '张三' }, financeUser),
+    true
+  )
+  assert.equal(
+    canProcessApprovalRequest({ workflowNode: '直属领导审批', person: '张三' }, financeUser),
+    false
+  )
+})
+
+test('users with both finance and manager roles can process both relevant stages', () => {
+  const financeManagerUser = { roleCodes: ['finance', 'manager'], name: '李经理' }
+
+  assert.equal(
+    canProcessApprovalRequest({ workflowNode: '财务审批', person: '张三' }, financeManagerUser),
+    true
+  )
+  assert.equal(
+    canProcessApprovalRequest({ workflowNode: '直属领导审批', person: '张三' }, financeManagerUser),
+    true
+  )
+})

web/tests/requestProgressSteps.test.mjs

@@ -39,7 +39,9 @@ test('progress steps show approval operator time and current stay duration', ()
     const leaderStep = request.progressSteps.find((step) => step.label === '直属领导审批')
     const financeStep = request.progressSteps.find((step) => step.label === '财务审批')
     const aiStep = request.progressSteps.find((step) => step.label === 'AI预审')
+    const firstStep = request.progressSteps[0]
 
+    assert.equal(firstStep.label, '创建单据')
     assert.equal(leaderStep.time, '李经理通过')
     assert.match(leaderStep.detail, /2026-05-20/)
     assert.match(leaderStep.title, /李经理审批通过/)
@@ -52,6 +54,96 @@ test('progress steps show approval operator time and current stay duration', ()
   }
 })
 
+test('progress steps do not expose approver email when manager name is available', () => {
+  const originalNow = Date.now
+  Date.now = () => new Date('2026-05-20T05:00:00.000Z').getTime()
+
+  try {
+    const request = mapExpenseClaimToRequest({
+      id: 'claim-email-operator',
+      claim_no: 'EXP-202605-003',
+      employee_name: '张三',
+      department_name: '市场部',
+      manager_name: '李经理',
+      expense_type: 'transport',
+      reason: '交通报销',
+      location: '上海',
+      amount: 88,
+      invoice_count: 1,
+      occurred_at: '2026-05-20T01:00:00.000Z',
+      submitted_at: '2026-05-20T02:00:00.000Z',
+      created_at: '2026-05-20T01:30:00.000Z',
+      updated_at: '2026-05-20T03:30:00.000Z',
+      status: 'submitted',
+      approval_stage: '财务审批',
+      risk_flags_json: [
+        {
+          source: 'manual_approval',
+          operator: 'manager@example.com',
+          operator_username: 'manager@example.com',
+          previous_approval_stage: '直属领导审批',
+          next_approval_stage: '财务审批',
+          created_at: '2026-05-20T03:30:00.000Z'
+        }
+      ],
+      items: []
+    })
+
+    const leaderStep = request.progressSteps.find((step) => step.label === '直属领导审批')
+
+    assert.equal(leaderStep.time, '李经理通过')
+    assert.ok(!leaderStep.title.includes('manager@example.com'))
+  } finally {
+    Date.now = originalNow
+  }
+})
+
+test('completed finance approval marks finance and archive progress steps', () => {
+  const request = mapExpenseClaimToRequest({
+    id: 'claim-finance-completed',
+    claim_no: 'EXP-202605-004',
+    employee_name: '张三',
+    department_name: '市场部',
+    expense_type: 'transport',
+    reason: '交通报销',
+    location: '上海',
+    amount: 88,
+    invoice_count: 1,
+    occurred_at: '2026-05-20T01:00:00.000Z',
+    submitted_at: '2026-05-20T02:00:00.000Z',
+    created_at: '2026-05-20T01:30:00.000Z',
+    updated_at: '2026-05-20T04:00:00.000Z',
+    status: 'approved',
+    approval_stage: '归档入账',
+    risk_flags_json: [
+      {
+        source: 'manual_approval',
+        operator: '李经理',
+        previous_approval_stage: '直属领导审批',
+        next_approval_stage: '财务审批',
+        created_at: '2026-05-20T03:00:00.000Z'
+      },
+      {
+        source: 'finance_approval',
+        operator: '财务复核',
+        previous_approval_stage: '财务审批',
+        next_approval_stage: '归档入账',
+        created_at: '2026-05-20T04:00:00.000Z'
+      }
+    ],
+    items: []
+  })
+
+  const financeStep = request.progressSteps.find((step) => step.label === '财务审批')
+  const archiveStep = request.progressSteps.find((step) => step.label === '归档入账')
+
+  assert.equal(request.workflowNode, '归档入账')
+  assert.equal(financeStep.time, '财务复核通过')
+  assert.match(financeStep.detail, /2026-05-20/)
+  assert.equal(archiveStep.time, '归档入账')
+  assert.equal(archiveStep.done, true)
+})
+
 test('current direct manager step shows how long the claim has stayed there', () => {
   const originalNow = Date.now
   Date.now = () => new Date('2026-05-20T05:15:00.000Z').getTime()

web/tests/requestViewModel.test.mjs

@@ -31,3 +31,17 @@ test('normalizes returned backend claims as editable pending submission', () =>
   assert.equal(request.approvalStatus, '待提交')
   assert.equal(request.node, '待提交')
 })
+
+test('does not show manager email as direct supervisor name', () => {
+  const request = normalizeRequestForUi({
+    id: 'EXP-202605-003',
+    claim_id: 'claim-3',
+    status: 'submitted',
+    approval_stage: '直属领导审批',
+    expense_type: 'transport',
+    amount: 66,
+    manager_name: 'manager@example.com'
+  })
+
+  assert.equal(request.profileManager, '待补充')
+})

web/tests/travel-reimbursement-review-drawer-switch.test.mjs

@@ -11,6 +11,10 @@ const createViewScript = readFileSync(
   fileURLToPath(new URL('../src/views/scripts/TravelReimbursementCreateView.js', import.meta.url)),
   'utf8'
 )
+const reimbursementService = readFileSync(
+  fileURLToPath(new URL('../src/services/reimbursements.js', import.meta.url)),
+  'utf8'
+)
 
 test('review drawer tools expose the default review tab before conditional document and risk tabs', () => {
   assert.match(createViewTemplate, /title="报销识别核对"[\s\S]*@click="switchToReviewOverviewDrawer"/)
@@ -35,3 +39,74 @@ test('review drawer tool buttons switch modes instead of toggling the active mod
   assert.doesNotMatch(createViewScript, /REVIEW_DRAWER_MODE_RISK\s*\?\s*REVIEW_DRAWER_MODE_REVIEW/)
   assert.doesNotMatch(createViewScript, /REVIEW_DRAWER_MODE_FLOW\s*\?\s*REVIEW_DRAWER_MODE_REVIEW/)
 })
+
+test('review risk drawer lists risk briefs without score and posts details into the conversation', () => {
+  const riskItemsBlock = createViewScript.match(/function buildReviewRiskItems\(reviewPayload\) \{[\s\S]*?\n\}\n\nfunction buildReviewRiskConversationText/)
+  assert.ok(riskItemsBlock, 'risk item builder should be present')
+
+  assert.doesNotMatch(createViewTemplate, /review-side-risk-score/)
+  assert.doesNotMatch(createViewTemplate, /风险评分/)
+  assert.doesNotMatch(createViewTemplate, /暂无风险评分/)
+  assert.doesNotMatch(createViewScript, /function buildReviewRiskScore/)
+  assert.doesNotMatch(createViewScript, /const reviewRiskScore/)
+  assert.doesNotMatch(riskItemsBlock[0], /\.slice\(0,\s*6\)/)
+  assert.match(createViewScript, /const DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = \[[\s\S]*'历史报销画像'[\s\S]*'制度注意事项'/)
+  assert.match(
+    createViewScript,
+    /function resolveReviewRiskBriefs\(reviewPayload\) \{[\s\S]*DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS\.some/
+  )
+
+  assert.match(
+    createViewTemplate,
+    /class="review-side-risk-item"[\s\S]*@click="appendReviewRiskBriefToConversation\(item\)"/
+  )
+  assert.doesNotMatch(createViewTemplate, /\{\{\s*item\.levelLabel\s*\}\}/)
+  assert.match(createViewTemplate, /class="review-side-risk-icon" :title="item\.levelLabel"/)
+  assert.match(createViewScript, /medium:\s*\{[\s\S]*label:\s*'中风险'/)
+  assert.match(createViewScript, /low:\s*\{[\s\S]*label:\s*'低风险'/)
+  assert.match(createViewScript, /function normalizeReviewRiskTitle/)
+  assert.match(createViewScript, /\.replace\(\/AI\\s\*预审/)
+  assert.match(createViewScript, /\.replace\(\/\(高风险\|中风险\|低风险\)\/g,\s*''\)/)
+  assert.match(createViewScript, /sourceLabel:\s*meta\.label/)
+  assert.doesNotMatch(createViewScript, /normalizedTitle\.includes\('AI预审'\)/)
+  assert.match(createViewScript, /metaTone:\s*item\.level \|\| 'low'/)
+  assert.doesNotMatch(createViewTemplate, /@click="openReviewRiskDetail\(item\)"/)
+  assert.doesNotMatch(createViewTemplate, /review-risk-detail-modal/)
+  assert.doesNotMatch(createViewScript, /reviewRiskDetailDialog/)
+  assert.doesNotMatch(createViewScript, /function openReviewRiskDetail/)
+
+  assert.match(
+    createViewScript,
+    /function appendReviewRiskBriefToConversation\(item\) \{[\s\S]*messages\.value\.push\(createMessage\('assistant'/
+  )
+})
+
+test('review payload with risks opens risk drawer and travel overview uses travel-specific fields', () => {
+  assert.match(
+    createViewScript,
+    /reviewDrawerMode\.value = resolveReviewRiskBriefs\(payload\)\.length[\s\S]*\? REVIEW_DRAWER_MODE_RISK[\s\S]*: REVIEW_DRAWER_MODE_REVIEW/
+  )
+  assert.match(createViewScript, /function isTravelReviewPayload\(reviewPayload/)
+  assert.match(createViewScript, /function resolveReviewTravelTransportType\(reviewPayload/)
+  assert.match(createViewScript, /label: '交通类型'[\s\S]*modelKey: 'transport_type'/)
+  assert.match(createViewScript, /label: '酒店名称'[\s\S]*modelKey: 'merchant_name'/)
+  assert.match(createViewScript, /label: '出差事宜'[\s\S]*editor: 'textarea'[\s\S]*wide: true/)
+  assert.match(createViewTemplate, /item\.editor === 'textarea'[\s\S]*<textarea/)
+  assert.match(createViewTemplate, /wide: item\.wide/)
+})
+
+test('composer exposes travel calculator and posts spreadsheet-backed result into conversation', () => {
+  assert.match(createViewTemplate, /class="tool-btn composer-side-btn travel-calculator-trigger"[\s\S]*差旅计算器/)
+  assert.match(createViewTemplate, /class="travel-calculator-popover"[\s\S]*v-model="travelCalculatorForm\.days"[\s\S]*v-model="travelCalculatorForm\.location"/)
+  assert.doesNotMatch(createViewTemplate, /travel-calculator-modal/)
+  assert.doesNotMatch(createViewTemplate, /travelCalculatorResult\.total_amount/)
+  assert.match(createViewScript, /calculateTravelReimbursement/)
+  assert.match(createViewScript, /function toggleTravelCalculator\(\)/)
+  assert.match(createViewScript, /function submitTravelCalculator\(\) \{[\s\S]*calculateTravelReimbursement\(\{[\s\S]*grade: String\(user\.grade/)
+  assert.match(createViewScript, /根据您输入的地点和天数/)
+  assert.match(createViewScript, /匹配到您要出差的地区为/)
+  assert.match(createViewScript, /参考可报销合计/)
+  assert.match(createViewScript, /住宿费：\$\{hotelRate\} × \$\{days\} = \$\{hotelAmount\} 元/)
+  assert.match(createViewScript, /messages\.value\.push\(createMessage\('assistant', buildTravelCalculatorResultText\(payload\)/)
+  assert.match(reimbursementService, /export function calculateTravelReimbursement\(payload = \{\}\) \{[\s\S]*\/reimbursements\/travel-calculator/)
+})

web/tests/travel-request-detail-leader-approval.test.mjs

@@ -44,14 +44,24 @@ test('approval-mode detail collects leader opinion and confirms approval before
   assert.match(detailScript, /const leaderOpinion = ref\(''\)/)
   assert.match(detailScript, /const approveConfirmDialogOpen = ref\(false\)/)
   assert.match(detailScript, /const canApproveRequest = computed/)
+  assert.match(detailScript, /canApproveLeaderExpenseClaims/)
+  assert.match(detailScript, /isFinanceApprovalStage/)
+  assert.match(detailScript, /approvalOpinionTitle/)
+  assert.match(detailScript, /approvalConfirmDescription/)
+  assert.match(detailScript, /approvalNextStage/)
   assert.match(detailScript, /approveExpenseClaim\(request\.value\.claimId, \{[\s\S]*opinion: leaderOpinion\.value\.trim\(\)/)
+  assert.match(detailScript, /toast\(approvalSuccessToast\.value\)/)
 
   assert.match(detailTemplate, /v-if="showLeaderApprovalPanel"/)
-  assert.match(detailTemplate, /领导意见/)
+  assert.match(detailTemplate, /\{\{ approvalOpinionTitle \}\}/)
   assert.match(detailTemplate, /v-model="leaderOpinion"/)
+  assert.match(detailTemplate, /:placeholder="approvalOpinionPlaceholder"/)
   assert.match(detailTemplate, /@click="handleApproveRequest"/)
   assert.match(detailTemplate, /:open="approveConfirmDialogOpen"/)
+  assert.match(detailTemplate, /:badge="approvalConfirmBadge"/)
+  assert.match(detailTemplate, /:description="approvalConfirmDescription"/)
   assert.match(detailTemplate, /confirm-text="确认通过"/)
+  assert.match(detailTemplate, /\{\{ approvalNextStage \}\}/)
   assert.match(detailTemplate, /@confirm="confirmApproveRequest"/)
 
   const handleApproveRequest = extractFunction(detailScript, 'handleApproveRequest')

web/tests/travel-request-detail-risk-advice.test.mjs

@@ -172,6 +172,13 @@ test('expense item upload remains limited to one receipt per detail row', () =>
   assert.match(detailViewScript, /fileCount > 1[\s\S]*一条费用明细只能上传一张单据/)
 })
 
+test('expense item upload patches OCR amount into the visible detail row', () => {
+  assert.match(detailViewScript, /const recognizedItemAmount = Number\(payload\?\.item_amount \?\? payload\?\.itemAmount\)/)
+  assert.match(detailViewScript, /itemPatch\.itemAmount = recognizedItemAmount/)
+  assert.match(detailViewScript, /itemPatch\.amount = formatCurrency\(recognizedItemAmount\)/)
+  assert.match(detailViewScript, /expenseEditor\.itemAmount = String\(recognizedItemAmount\)/)
+})
+
 test('return reason dialog is wired into approval and detail return actions', () => {
   assert.match(returnReasonDialog, /missing_attachment/)
   assert.match(returnReasonDialog, /invoice_mismatch/)

web/tests/travel-request-detail-submit-confirm.test.mjs

@@ -52,3 +52,9 @@ test('detail submit opens a confirmation dialog before calling submit API', () =
   assert.doesNotMatch(handleSubmit, /submitExpenseClaim/)
   assert.match(confirmSubmitRequest, /submitExpenseClaim\(request\.value\.claimId\)/)
 })
+
+test('detail header and fallback progress use reimbursement wording', () => {
+  assert.match(detailViewScript, /label:\s*'单据申请日期'/)
+  assert.match(detailViewScript, /label:\s*'创建单据'/)
+  assert.doesNotMatch(detailViewScript, /label:\s*'保存草稿'/)
+})