Refine travel reimbursement steward flow

Align planner, runtime rules, and policy assets so travel guidance
matches the updated reimbursement workflow.

shared/ontology_business_contract.json

@@ -0,0 +1,78 @@
+{
+  "sessions": {
+    "steward": {
+      "label": "小财管家",
+      "icon": "mdi mdi-account-tie-outline",
+      "scope": "多任务拆解、附件归集、申请助手和报销助手统一调度"
+    },
+    "application": {
+      "label": "申请助手",
+      "icon": "mdi mdi-file-plus-outline",
+      "scope": "费用申请、事前审批、申请材料清单、申请单状态查询"
+    },
+    "expense": {
+      "label": "报销助手",
+      "icon": "mdi mdi-receipt-text-plus-outline",
+      "scope": "发起报销、票据识别、草稿归集、报销单状态查询和报销信息核对"
+    },
+    "approval": {
+      "label": "审核助手",
+      "icon": "mdi mdi-clipboard-check-outline",
+      "scope": "待审单据查询、审核动作、风险解释和审核意见草稿"
+    },
+    "knowledge": {
+      "label": "财务知识助手",
+      "icon": "mdi mdi-book-open-page-variant-outline",
+      "scope": "财务制度、报销标准、票据要求、流程规则和政策口径解释"
+    }
+  },
+  "businessSignals": {
+    "budget": [
+      "预算",
+      "预算占用",
+      "预算余额",
+      "预算执行",
+      "预算超标",
+      "预算预警"
+    ],
+    "accounts_receivable": [
+      "应收",
+      "回款",
+      "收款",
+      "客户欠款",
+      "账龄"
+    ],
+    "accounts_payable": [
+      "应付",
+      "付款",
+      "供应商付款",
+      "待付款",
+      "账款"
+    ]
+  },
+  "contextualFollowUps": [
+    "继续",
+    "下一步",
+    "确定",
+    "确认",
+    "无误",
+    "可以提交",
+    "提交",
+    "保存草稿",
+    "补充",
+    "重新规划"
+  ],
+  "supportedBusinessScopes": [
+    "费用申请/事前审批",
+    "报销与票据识别",
+    "审批审核与风险解释",
+    "财务制度、报销标准和流程规则问答",
+    "预算、应收、应付等财务经营查询",
+    "小财管家多任务拆解和附件归集"
+  ],
+  "unsupportedIntentMessage": {
+    "title": "此意图系统暂不支持。",
+    "body": "这条内容没有识别到当前系统支持的财务业务意图，暂时不能继续处理。",
+    "retryHint": "请重新描述你的财务业务需求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。"
+  }
+}