feat: 小财管家意图规划与报销提交编排增强

- 完善管家意图识别、模型计划构建与规划器调度
- 重构差旅报销提交编排器与管家计划流程前端交互
- 优化报销消息项样式与文档中心视图
- 新增小财管家与附件上传风险前置复核设计文档
- 补充管家规划器与文档中心测试覆盖

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

@@ -11,7 +11,7 @@ from sqlalchemy.orm import Session
 
 from app.api.deps import get_db
 from app.schemas.common import ErrorResponse
-from app.schemas.steward import StewardPlanRequest, StewardPlanResponse
+from app.schemas.steward import StewardPlanRequest, StewardPlanResponse, StewardThinkingEvent
 from app.services.runtime_chat import RuntimeChatService
 from app.services.steward_intent_agent import StewardIntentAgent
 from app.services.steward_planner import StewardPlannerService
@@ -55,6 +55,18 @@ async def _iter_steward_plan_events(
     payload: StewardPlanRequest,
     planner: StewardPlannerService,
 ) -> AsyncIterator[str]:
+    yield _encode_stream_event(
+        "thinking",
+        StewardThinkingEvent(
+            event_id="intent_agent_stream_start",
+            stage="stream_start",
+            title="意图识别智能体接管",
+            content="已收到任务描述，正在调用小财管家意图识别智能体拆解申请、报销和附件线索。",
+            status="running",
+        ).model_dump(mode="json"),
+    )
+    await asyncio.sleep(0)
+
     try:
         plan = planner.build_plan(payload)
     except ValueError as exc:

server/src/app/services/steward_intent_agent.py

@@ -42,7 +42,7 @@ class StewardIntentAgent:
             },
             max_tokens=1800,
             temperature=0.1,
-            timeout_seconds=18,
+            timeout_seconds=45,
             max_attempts=1,
         )
         self.last_call_traces = result.calls_as_dicts()
@@ -105,6 +105,9 @@ class StewardIntentAgent:
                     "你必须通过 function calling 输出结构化计划，不能只返回普通文本。"
                     "当前版本只支持 expense_application 和 reimbursement 两类任务；"
                     "你只做识别、拆解、归集和确认点规划，不能执行入库、绑定附件或提交审批。"
+                    "用户描述未来出差、差旅计划、去某地几天、部署、支撑、拜访或会议安排时，"
+                    "即使没有出现“申请”两个字，也必须优先识别为 expense_application。"
+                    "用户描述已经发生的费用、昨天/前天费用、票据或明确报销诉求时，才识别为 reimbursement。"
                     "所有 ontology_fields 只能使用调用方给出的 canonical_ontology_fields；"
                     "如果输入里出现 occurred_date、transport_type、reason_value 等别名，必须映射为 canonical 字段。"
                     "相对日期必须以 base_date 为准转换为明确日期。"

server/src/app/services/steward_model_plan_builder.py

@@ -307,7 +307,7 @@ class StewardModelPlanBuilder:
             return "travel"
         if normalized in {"transport", "traffic", "交通", "交通费", "打车", "出租车"}:
             return "transport"
-        if normalized in {"entertainment", "meal", "招待", "接待", "餐饮", "业务招待"}:
+        if normalized in {"entertainment", "meal", "招待", "招待费", "接待", "接待费", "餐饮", "业务招待", "业务招待费"}:
             return "entertainment"
         if normalized in {"office", "办公", "办公用品"}:
             return "office"

server/src/app/services/steward_planner.py

@@ -148,7 +148,7 @@ class StewardPlannerService:
         drafts: list[PlannedTaskDraft] = []
         first_reimbursement = self._find_first_reimbursement_index(message)
         application_source = message[:first_reimbursement] if first_reimbursement >= 0 else message
-        if self._looks_like_application(application_source):
+        if self._looks_like_application(application_source) or self._looks_like_future_travel_application(application_source):
             drafts.append(
                 PlannedTaskDraft(
                     task_type="expense_application",
@@ -180,6 +180,31 @@ class StewardPlannerService:
         compact = re.sub(r"\s+", "", text)
         return bool(compact) and "申请" in compact and bool(re.search(r"出差|差旅|费用|交通|住宿|采购|会务|会议", compact))
 
+    @staticmethod
+    def _looks_like_future_travel_application(text: str) -> bool:
+        compact = re.sub(r"\s+", "", text)
+        if not compact or "报销" in compact:
+            return False
+        business_signal = re.search(
+            r"出差|差旅|客户现场|项目|部署|实施|支撑|支持|协助|拜访|调研|培训|会议|驻场|上线|验收",
+            compact,
+        )
+        route_signal = re.search(
+            fr"(?:去|到|赴|前往)({'|'.join(CITY_NAMES)})",
+            compact,
+        )
+        time_signal = re.search(
+            r"明天|后天|下周|下月|近期|月底|\d{1,2}月\d{1,2}(?:日|号)?|"
+            r"\d{4}[-/年]\d{1,2}[-/月]\d{1,2}(?:日)?|[0-9一二两三四五六七八九十]+天",
+            compact,
+        )
+        planned_route_signal = re.search(
+            r"(?:去|到|赴|前往).{0,24}(?:出差|差旅|客户|现场|项目|部署|实施|支撑|支持|协助|拜访|调研|培训|会议|驻场|上线|验收)|"
+            r"(?:出差|差旅).{0,24}(?:[0-9一二两三四五六七八九十]+天|客户|现场|项目|部署|实施|支撑|支持|协助|拜访|调研|培训|会议|驻场|上线|验收)",
+            compact,
+        )
+        return bool((business_signal or route_signal) and (time_signal or planned_route_signal))
+
     def _build_task(
         self,
         draft: PlannedTaskDraft,
@@ -352,7 +377,12 @@ class StewardPlannerService:
     @staticmethod
     def _resolve_task_confidence(segment: str, fields: dict[str, str], task_type: str) -> float:
         compact = re.sub(r"\s+", "", segment)
-        intent_score = 1.0 if ("申请" in compact if task_type == "expense_application" else "报销" in compact) else 0.45
+        if task_type == "expense_application":
+            intent_score = 1.0 if (
+                "申请" in compact or StewardPlannerService._looks_like_future_travel_application(compact)
+            ) else 0.45
+        else:
+            intent_score = 1.0 if "报销" in compact else 0.45
         time_score = 1.0 if fields.get("time_range") else 0.0
         location_score = 1.0 if fields.get("location") else 0.2
         scene_score = 1.0 if fields.get("expense_type") and fields["expense_type"] != "other" else 0.35