feat(steward): 前端支持 off_topic 与引导话术

- assistantSessionScope.js：新增 ASSISTANT_SCOPE_ACTION_FILL_COMPOSER 常量 - assistantSuggestedActionPrefill.js：识别 fill_composer 与 payload.fill_text - stewardPlanModel.js：normalizeStewardPlan 透传 suggestedPrompts； buildStewardPlanMessageText / buildStewardSuggestedActions 新增 off_topic 分支，按钮填充输入框不提交 - useStewardPlanFlow.js：isPendingStewardActionMessage 排除 off_topic - steward-plan-off-topic.test.mjs：覆盖 normalize/文案/按钮/兼容路径
feat(steward): 拦截业务无关输入返回 off_topic 计划
2026-06-18 14:15:30 +08:00 · 2026-06-18 14:15:20 +08:00
9 changed files with 466 additions and 25 deletions
--- a/server/src/app/schemas/steward.py
+++ b/server/src/app/schemas/steward.py
@@ -128,6 +128,10 @@ class StewardPlanResponse(BaseModel):
    )
    candidate_flows: list[StewardCandidateFlow] = Field(default_factory=list, description="等待用户确认的候选流程快捷列表。")
    model_call_traces: list[dict[str, Any]] = Field(default_factory=list, description="模型工具调用轨迹。")
+    suggested_prompts: list[str] = Field(
+        default_factory=list,
+        description="当 plan_status 为 off_topic 等场景时，给用户的推荐话术示例。",
+    )


 class StewardSlotOption(BaseModel):
--- a/server/src/app/services/steward_intent_agent.py
+++ b/server/src/app/services/steward_intent_agent.py
@@ -115,6 +115,10 @@ class StewardIntentAgent:
                    "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。"
                    "thinking_events 只能是面向用户的过程摘要，不能暴露内部推理链。"
+                    "如果用户输入与出差、费用、报销、申请等财务事项完全无关"
+                    "（例如纯数字、问候、闲聊、无意义字符、单字符重复），"
+                    "必须让 tasks 返回空数组，并在 thinking_events 中明确说明“未识别到财务事项”，"
+                    "不要强行把无关输入识别为 expense_application 或 reimbursement 任务。"
                ),
            },
            {
--- a/server/src/app/services/steward_planner.py
+++ b/server/src/app/services/steward_planner.py
@@ -49,6 +49,27 @@ CITY_NAMES = (
    "无锡",
 )

+# 业务信号关键词：用于判定输入是否与小财管家支持的财务事项相关。
+# 只要清洗后的消息命中其中任意一个关键词，就视为业务相关；否则进入 off_topic 拦截。
+STEWARD_BUSINESS_SIGNAL_KEYWORDS: tuple[str, ...] = (
+    # 动作词
+    "申请", "报销", "草稿", "提交", "审批", "保存", "发起", "创建", "核对", "归集",
+    # 差旅场景
+    "出差", "差旅", "费用", "交通", "住宿", "招待", "酒店", "机票", "航班", "高铁",
+    "动车", "火车", "出租车", "的士", "网约车", "打车", "地铁", "公交", "用餐", "餐饮", "宴请",
+    # 票据/凭证
+    "票据", "发票", "凭证", "行程单", "付款截图", "付款", "小票", "收据",
+    # 业务对象
+    "客户", "项目", "拜访", "会议", "培训", "部署", "实施", "支撑", "支持", "协助",
+    "调研", "驻场", "上线", "验收", "审核",
+    # 时间信号
+    "昨天", "前天", "明天", "后天", "下周", "下月", "近期", "月底", "今天", "上周", "上月",
+    # 金额/数量（"天"用于"出差3天"等表达）
+    "金额", "元", "块", "万", "千", "天",
+    # 复用城市名信号
+    *CITY_NAMES,
+)
+
 APPLICATION_SPLIT_PATTERN = re.compile(r"(?:^|[，,。；;])[^，,。；;]*?(?:申请|出差申请|差旅申请)[^，,。；;]*")
 REIMBURSEMENT_PATTERN = re.compile(r"(?:我要报销|还需要报销|需要报销|报销)([^，,。；;！？?!\n]+)")
 MONTH_DAY_PATTERN = re.compile(r"(?P<month>\d{1,2})\s*月\s*(?P<day>\d{1,2})\s*(?:日|号)?")
@@ -107,6 +128,9 @@ class StewardPlannerService:
            raise ValueError("小财管家需要一段任务描述。")

        base_date = self._resolve_base_date(request.client_now_iso, request.context_json)
+        # 业务无关输入拦截（纯数字、问候、闲聊、乱码等）：在进入 LLM/规则兜底之前直接返回 off_topic 计划。
+        if self._is_business_irrelevant_input(message, request):
+            return self._build_off_topic_plan(request)
        model_call_traces: list[dict[str, Any]] = []
        fallback_reason = ""
        if self.intent_agent is not None and self._should_use_model_intent_recognition(message, base_date, request):
@@ -159,6 +183,51 @@ class StewardPlannerService:
            return False
        return self._has_multiple_financial_demands(message)

+    @staticmethod
+    def _is_business_irrelevant_input(message: str, request: StewardPlanRequest) -> bool:
+        """判断输入是否与小财管家支持的财务事项完全无关。
+
+        判定规则：消息去除所有空白后不含任何业务信号关键词，且没有上传附件，
+        即视为业务无关输入（如纯数字、问候、闲聊、乱码）。
+        """
+        if request.attachments:
+            return False
+        compact = re.sub(r"\s+", "", message)
+        if not compact:
+            return False
+        return not any(keyword in compact for keyword in STEWARD_BUSINESS_SIGNAL_KEYWORDS)
+
+    def _build_off_topic_plan(self, request: StewardPlanRequest) -> StewardPlanResponse:
+        """业务无关输入的兜底计划：明确告知用户未识别到财务事项，并给出话术示例。"""
+        return StewardPlanResponse(
+            plan_id=f"steward_plan_{uuid.uuid4().hex[:12]}",
+            plan_status="off_topic",
+            planning_source="rule_fallback",
+            next_action="none",
+            summary="这看起来跟财务任务没什么关系，小财管家没识别到费用申请或费用报销的意图。",
+            thinking_events=[
+                StewardThinkingEvent(
+                    event_id="intent_agent_off_topic",
+                    stage="off_topic",
+                    title="未识别到财务事项",
+                    content=(
+                        "我检查了这句话，没有发现费用申请、报销、出差、交通、招待等财务线索。"
+                        "如果你确实是要处理财务任务，可以参考下面的示例换一种说法。"
+                    ),
+                )
+            ],
+            tasks=[],
+            attachment_groups=[],
+            confirmation_groups=[],
+            candidate_flows=[],
+            suggested_prompts=[
+                "我想要申请明天去北京出差3天，支撑客户现场实施",
+                "我要报销昨天的交通费",
+                "报销上周出差上海的费用",
+            ],
+            model_call_traces=[],
+        )
+
    def _build_rule_fallback_plan(
        self,
        request: StewardPlanRequest,
--- a/server/tests/test_steward_planner.py
+++ b/server/tests/test_steward_planner.py
@@ -547,3 +547,69 @@ def test_steward_plan_endpoint_persists_application_and_reimbursement_state() ->
    assert state["flows"]["travel_reimbursement"]["fields"]["time_range"] == "2026-06-03"
    assert state["flows"]["travel_reimbursement"]["fields"]["expense_type"] == "transport"
    assert all("invented_field" not in flow["fields"] for flow in state["flows"].values())
+
+
+def test_steward_planner_returns_off_topic_for_business_irrelevant_input() -> None:
+    payload = StewardPlanRequest(
+        message="123",
+        client_now_iso="2026-06-04T09:30:00+08:00",
+    )
+
+    result = StewardPlannerService().build_plan(payload)
+
+    assert result.plan_status == "off_topic"
+    assert result.next_action == "none"
+    assert result.tasks == []
+    assert result.attachment_groups == []
+    assert result.confirmation_groups == []
+    assert result.candidate_flows == []
+    assert result.planning_source == "rule_fallback"
+    assert len(result.suggested_prompts) == 3
+    assert result.thinking_events[0].stage == "off_topic"
+
+
+def test_steward_planner_returns_off_topic_for_pure_greeting() -> None:
+    payload = StewardPlanRequest(
+        message="你好",
+        client_now_iso="2026-06-04T09:30:00+08:00",
+    )
+
+    result = StewardPlannerService().build_plan(payload)
+
+    assert result.plan_status == "off_topic"
+    assert result.next_action == "none"
+    assert result.tasks == []
+    assert result.candidate_flows == []
+    assert result.planning_source == "rule_fallback"
+    assert len(result.suggested_prompts) == 3
+    assert result.thinking_events[0].stage == "off_topic"
+
+
+def test_steward_planner_returns_off_topic_for_pure_punctuation() -> None:
+    payload = StewardPlanRequest(
+        message="??? !!!",
+        client_now_iso="2026-06-04T09:30:00+08:00",
+    )
+
+    result = StewardPlannerService().build_plan(payload)
+
+    assert result.plan_status == "off_topic"
+    assert result.next_action == "none"
+    assert result.tasks == []
+    assert result.candidate_flows == []
+    assert result.planning_source == "rule_fallback"
+    assert len(result.suggested_prompts) == 3
+    assert result.thinking_events[0].stage == "off_topic"
+
+
+def test_steward_planner_preserves_normal_business_flow_after_guard() -> None:
+    payload = StewardPlanRequest(
+        message="我要报销昨天的交通费",
+        client_now_iso="2026-06-04T09:30:00+08:00",
+    )
+
+    result = StewardPlannerService().build_plan(payload)
+
+    assert result.plan_status != "off_topic"
+    assert len(result.tasks) >= 1
+    assert [task.task_type for task in result.tasks] == ["reimbursement"]
--- a/web/src/utils/assistantSessionScope.js
+++ b/web/src/utils/assistantSessionScope.js
@@ -2,6 +2,8 @@ import ontologyBusinessContract from '../../../shared/ontology_business_contract

 export const ASSISTANT_SCOPE_ACTION_SWITCH = 'switch_assistant_session'
 export const ASSISTANT_SCOPE_ACTION_UNSUPPORTED = 'unsupported_business_intent'
+// 点击后把 payload.fill_text 填充到输入框，不切换会话、不自动提交，交由用户编辑后自行发送。
+export const ASSISTANT_SCOPE_ACTION_FILL_COMPOSER = 'fill_composer'

 export const ASSISTANT_SCOPE_SESSION_APPLICATION = 'application'
 export const ASSISTANT_SCOPE_SESSION_EXPENSE = 'expense'
@@ -286,27 +288,84 @@ function shouldAllowContextualFollowUp(rawText, currentSessionType, options = {}
  )
 }

-function buildUnsupportedBusinessScopeText() {
-  const message = ONTOLOGY_BUSINESS_CONTRACT.unsupportedIntentMessage || {}
+function buildUnsupportedBusinessScopeSuggestedActions(options = {}) {
+  const sharedOptions = {
+    attachmentCount: options.attachmentCount || 0
+  }
+  const applicationAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_APPLICATION, '申请下周去上海出差，支撑客户系统上线', sharedOptions)
+  const expenseAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_EXPENSE, '我要报销昨天的交通费', sharedOptions)
+  const knowledgeAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_KNOWLEDGE, '差旅住宿标准是多少', sharedOptions)
+  const approvalAction = buildScopeSwitchAction(ASSISTANT_SCOPE_SESSION_APPROVAL, '帮我查询待我审核的单据', sharedOptions)
+
  return [
-    message.title || '此意图系统不支持。',
-    '',
-    `当前系统支持的业务范围：${SUPPORTED_BUSINESS_SCOPE_TEXT.join('、')}。`,
-    '',
-    message.body || '你这条内容没有识别到相关财务业务意图，系统暂不支持处理。',
-    '',
-    message.retryHint || '请重新描述你的财务业务要求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。'
-  ].join('\n')
+    { ...applicationAction, label: '去申请助手', description: '发起费用申请和事前审批' },
+    { ...expenseAction, label: '去报销助手', description: '继续处理报销和票据' },
+    { ...knowledgeAction, label: '去知识助手', description: '查看标准和流程规则' },
+    { ...approvalAction, label: '去审核助手', description: '查看待审单据和风险' }
+  ]
 }

-function buildUnsupportedBusinessScopeGuard() {
+function buildUnsupportedBusinessScopeText(rawText, options = {}) {
+  const message = ONTOLOGY_BUSINESS_CONTRACT.unsupportedIntentMessage || {}
+  const text = String(rawText || '').trim()
+  const intro = text
+    ? `**小财管家暂时不处理「${text}」这类内容。**`
+    : `**${message.title || '此意图系统不支持。'}**`
+  const attachmentHint = options.attachmentCount
+    ? '你刚刚上传的附件我会先保留，切换到合适场景后可以继续使用。'
+    : ''
+  return [
+    intro,
+    '',
+    '### 当前可继续的场景',
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[0] || '费用申请/事前审批'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[1] || '报销与票据识别'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[3] || '财务制度、报销标准和流程规则问答'}`,
+    `- ${SUPPORTED_BUSINESS_SCOPE_TEXT[4] || '预算、应收、应付等财务经营查询'}`,
+    '',
+    message.body || '这条内容没有识别到当前系统支持的财务业务意图，暂时不能继续处理。',
+    attachmentHint,
+    '你可以直接点下面的场景继续，或者重新描述你的财务业务需求。',
+    '',
+    message.retryHint || '请重新描述你的财务业务要求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。'
+  ].filter(Boolean).join('\n')
+}
+
+export function buildUnsupportedBusinessScopeConversation(rawText, options = {}) {
+  const suggestedActions = buildUnsupportedBusinessScopeSuggestedActions(options)
+  return {
+    state_json: {
+      session_type: ASSISTANT_SCOPE_SESSION_STEWARD
+    },
+    messages: [
+      {
+        id: 'unsupported-business-intent',
+        role: 'assistant',
+        content: buildUnsupportedBusinessScopeText(rawText, options),
+        created_at: new Date().toISOString(),
+        message_json: {
+          assistant_name: '小财管家',
+          assistant_variant: 'compact_guidance',
+          orchestrator_payload: {
+            result: {
+              suggested_actions: suggestedActions
+            }
+          }
+        }
+      }
+    ]
+  }
+}
+
+function buildUnsupportedBusinessScopeGuard(rawText, options = {}) {
+  const suggestedActions = buildUnsupportedBusinessScopeSuggestedActions(options)
  return {
    targetSessionType: '',
    targetLabel: '不支持的意图',
    blocked: true,
-    text: buildUnsupportedBusinessScopeText(),
+    text: buildUnsupportedBusinessScopeText(rawText, options),
    meta: ['意图不支持'],
-    suggestedActions: [],
+    suggestedActions,
    actionType: ASSISTANT_SCOPE_ACTION_UNSUPPORTED
  }
 }
@@ -318,7 +377,7 @@ export function resolveAssistantScopeGuard(rawText, currentSessionType, options
    if (shouldAllowContextualFollowUp(rawText, normalizedCurrent, options)) {
      return null
    }
-    return normalizeText(rawText) ? buildUnsupportedBusinessScopeGuard() : null
+    return normalizeText(rawText) ? buildUnsupportedBusinessScopeGuard(rawText, options) : null
  }

  if (targetSessionType === normalizedCurrent) {
--- a/web/src/utils/assistantSuggestedActionPrefill.js
+++ b/web/src/utils/assistantSuggestedActionPrefill.js
@@ -1,3 +1,5 @@
+import { ASSISTANT_SCOPE_ACTION_FILL_COMPOSER } from './assistantSessionScope.js'
+
 const APPLICATION_FIELD_PREFILLS = {
  time: '申请时间段：',
  time_range: '申请时间段：',
@@ -14,6 +16,7 @@ export function resolveSuggestedActionPrefill(action = {}) {
    payload.prompt_prefill
      || payload.input_prefill
      || payload.prefill_text
+      || payload.fill_text
      || ''
  ).trim()
  if (explicitPrefill) {
@@ -21,7 +24,7 @@ export function resolveSuggestedActionPrefill(action = {}) {
  }

  const actionType = String(action?.action_type || '').trim()
-  if (actionType !== 'prefill_composer') {
+  if (actionType !== 'prefill_composer' && actionType !== ASSISTANT_SCOPE_ACTION_FILL_COMPOSER) {
    return ''
  }

--- a/web/src/views/scripts/stewardPlanModel.js
+++ b/web/src/views/scripts/stewardPlanModel.js
@@ -1,5 +1,6 @@
 import {
  ASSISTANT_SCOPE_ACTION_SWITCH,
+  ASSISTANT_SCOPE_ACTION_FILL_COMPOSER
 } from '../../utils/assistantSessionScope.js'
 import {
  SESSION_TYPE_APPLICATION,
@@ -200,12 +201,18 @@ export function normalizeStewardPlan(rawPlan = {}, options = {}) {
      ? rawPlan.confirmation_groups
      : [],
    pendingFlowConfirmation,
-    candidateFlows: pendingFlowConfirmation.candidateFlows
+    candidateFlows: pendingFlowConfirmation.candidateFlows,
+    suggestedPrompts: Array.isArray(rawPlan.suggested_prompts)
+      ? rawPlan.suggested_prompts.map((item) => String(item || '').trim()).filter(Boolean)
+      : []
  }
 }

 export function buildStewardPlanMessageText(plan) {
  const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return buildOffTopicMessageText(normalized)
+  }
  if (isPendingFlowConfirmationPlan(normalized)) {
    return buildPendingFlowConfirmationMessageText(normalized)
  }
@@ -215,13 +222,13 @@ export function buildStewardPlanMessageText(plan) {
    `${index + 1}. **${buildTaskOrderVerb(index)}${buildTaskOrderTarget(task)}**\n   - ${buildTaskOrderActionDescription(task)}`
  )
  return [
-    '### 我会这样推进',
+    '### 我先帮你把步骤理清楚',
    '',
-    `我识别到 **${normalized.tasks.length} 个财务事项**，会按顺序逐步处理，不会一次性把所有动作都执行掉。`,
+    buildStewardPlanFriendlyIntro(normalized),
    '',
    ...taskLines,
    '',
-    '如果这个顺序没问题，请回复 **确定**。我会先进入第一步，并在具体步骤里再判断需要你补充哪些信息。'
+    '你看这个顺序是否合适？如果没问题，回复 **确定** 就行。我会先帮你进入第一步，需要补充的信息会在具体步骤里再温和提醒你。'
  ].filter((line, index, lines) => line || lines[index - 1]).join('\n')
 }

@@ -284,6 +291,18 @@ export function formatStewardOntologyFields(fields = {}, taskType = '') {

 export function buildStewardSuggestedActions(plan) {
  const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return normalized.suggestedPrompts.map((prompt) => ({
+      label: prompt.length > 24 ? `${prompt.slice(0, 24)}...` : prompt,
+      description: '点击填入输入框，可编辑后发送',
+      icon: 'mdi mdi-comment-text-outline',
+      action_type: ASSISTANT_SCOPE_ACTION_FILL_COMPOSER,
+      payload: {
+        steward_plan_id: normalized.planId,
+        fill_text: prompt
+      }
+    }))
+  }
  if (isPendingFlowConfirmationPlan(normalized)) {
    return normalized.candidateFlows.map((flow) => ({
      label: flow.label,
@@ -383,6 +402,28 @@ function isPendingFlowConfirmationPlan(normalized) {
  ) && Array.isArray(normalized?.candidateFlows) && normalized.candidateFlows.length > 0
 }

+function isOffTopicPlan(normalized) {
+  return String(normalized?.planStatus || '').trim() === 'off_topic'
+}
+
+export function isOffTopicStewardPlan(rawPlan) {
+  return isOffTopicPlan(normalizeStewardPlan(rawPlan))
+}
+
+function buildOffTopicMessageText(normalized) {
+  const summary = String(normalized?.summary || '').trim()
+  const summaryLine = summary && summary !== '这看起来跟财务任务没什么关系...'
+    ? summary
+    : '这看起来跟财务任务没什么关系，我目前只能帮你处理**费用申请**和**费用报销**两类事项。'
+  return [
+    '### 小财管家没看懂这件事',
+    '',
+    summaryLine,
+    '',
+    '你可以试试下面这些方式告诉我：'
+  ].join('\n')
+}
+
 function buildPendingFlowConfirmationMessageText(normalized) {
  const fields = normalized.candidateFlows[0]?.ontologyFields || {}
  const knownParts = formatStewardOntologyFields(fields, 'expense_application')
@@ -511,10 +552,10 @@ function buildTaskOrderVerb(index) {
 function buildTaskOrderTarget(task) {
  const title = task.title || task.taskTypeLabel
  if (task.taskType === 'expense_application') {
-    return `创建“${title}”`
+    return `整理“${title}”`
  }
  if (task.taskType === 'reimbursement') {
-    return `处理“${title}”`
+    return `核对“${title}”`
  }
  return `处理“${title}”`
 }
@@ -522,12 +563,19 @@ function buildTaskOrderTarget(task) {
 function buildTaskOrderActionDescription(task) {
  const agent = task.assignedAgentLabel || '对应助手'
  if (task.taskType === 'expense_application') {
-    return `交给${agent}生成申请单核对结果，确认无误后再进入后续动作。`
+    return `我会请${agent}先把申请单草稿整理出来，方便你核对关键信息，再决定是否继续。`
  }
  if (task.taskType === 'reimbursement') {
-    return `交给${agent}整理报销核对结果，等前一步完成后再继续推进。`
+    return `我会请${agent}把票据、金额和制度口径先核清楚，前一步确认后再继续往下走。`
  }
-  return `交给${agent}处理，执行前会先让你确认。`
+  return `我会请${agent}先整理可核对的结果，真正执行前仍会让你确认。`
+}
+
+function buildStewardPlanFriendlyIntro(normalized) {
+  const taskCountText = normalized.tasks.length > 1
+    ? `${normalized.tasks.length} 个相关事项`
+    : '1 个事项'
+  return `我先看了一下，你这次主要是 **${taskCountText}**。为了不让步骤混在一起，我会先把要做的事拆开，让你每一步都能看清楚、确认后再继续。`
 }

 function buildTaskOrderDescription(normalized) {
--- a/web/src/views/scripts/useStewardPlanFlow.js
+++ b/web/src/views/scripts/useStewardPlanFlow.js
@@ -2,6 +2,7 @@ import {
  buildStewardPlanMessageText,
  buildStewardPlanRequest,
  buildStewardSuggestedActions,
+  isOffTopicStewardPlan,
  normalizeStewardPlan
 } from './stewardPlanModel.js'
 import { SESSION_TYPE_STEWARD } from './travelReimbursementConversationModel.js'
@@ -384,7 +385,14 @@ export function useStewardPlanFlow({

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