feat: 完善差旅票据行程提取与费用明细回填逻辑

增强文档智能识别的票据场景关键词和字段提取能力，优化
会话关联草稿报销单的解析路径，修复费用明细合并和票据
去重边界问题，前端改进报销创建和审批详情交互，补充单
元测试覆盖。

web/src/views/scripts/travelRequestDetailInsights.js

@@ -212,15 +212,15 @@ export function buildAttachmentRiskCards({
   const normalizedClaimRiskFlags = Array.isArray(claimRiskFlags) ? claimRiskFlags : []
   const latestManualReturnCard = buildManualReturnRiskCard(resolveLatestManualReturnFlag(normalizedClaimRiskFlags))
   const claimCards = normalizedClaimRiskFlags
-      .map((flag, index) => {
+      .flatMap((flag, index) => {
         if (flag && typeof flag === 'object' && normalizeText(flag.source) === 'manual_return') {
-          return null
+          return []
         }
 
         if (!flag || typeof flag !== 'object') {
           const risk = normalizeText(flag)
           return risk
-            ? {
+            ? [{
               id: `claim-risk-${index}`,
               tone: 'medium',
               label: '单据风险',
@@ -229,27 +229,38 @@ export function buildAttachmentRiskCards({
               summary: '',
               ruleBasis: ['系统预审规则命中该风险提示。'],
               suggestion: '请结合业务背景补充说明或调整单据后再提交。'
-            }
-            : null
+            }]
+            : []
         }
 
         const tone = normalizeTone(flag.severity)
         if (!['medium', 'high'].includes(tone)) {
-          return null
+          return []
         }
 
-        return {
-          id: `claim-risk-${index}`,
+        const flagPoints = Array.isArray(flag.points)
+          ? flag.points.map((point) => normalizeText(point)).filter(Boolean)
+          : []
+        const risks = flagPoints.length
+          ? flagPoints
+          : [normalizeText(flag.message || flag.reason || flag.summary)].filter(Boolean)
+        const summary = normalizeText(flag.summary)
+        const ruleBasis = uniqueTexts([
+          ...normalizeRuleBasis(flag.rule_basis || flag.ruleBasis),
+          summary ? `风险汇总：${summary}` : '',
+          '系统预审规则命中该风险提示。'
+        ])
+
+        return risks.map((risk, pointIndex) => ({
+          id: `claim-risk-${index}-${pointIndex}`,
           tone,
           label: normalizeText(flag.label) || (tone === 'high' ? '高风险' : '中风险'),
           title: normalizeText(flag.label) || '单据风险提示',
-          risk: normalizeText(flag.message || flag.reason || flag.summary),
-          summary: normalizeText(flag.summary),
-          ruleBasis: normalizeRuleBasis(flag.rule_basis || flag.ruleBasis).length
-            ? normalizeRuleBasis(flag.rule_basis || flag.ruleBasis)
-            : ['系统预审规则命中该风险提示。'],
+          risk,
+          summary,
+          ruleBasis,
           suggestion: normalizeText(flag.suggestion) || '请结合业务背景补充说明或调整单据后再提交。'
-        }
+        }))
       })
       .filter(Boolean)
   if (latestManualReturnCard) {