借款对账 S1、S2：导出与银行提交分开登记、确认失败收紧及失败回单识别口径（09-17-company-loan-principal-repayment）

S1（迁移 20261007010000）
- 借款导出逐次记录；存量批次保留已知导出次数为历史汇总，不视为真实导出，存在即拦截
- 银行提交登记（只能撤回一次）与提交清单确认；独立复核，复核后任何登记、撤回、导出即失效
- 确认失败只计未作废附件；作废附件无法证明为明确失败或确属他笔付款即阻断
- S3 前临时拦截：多次导出、多次提交、清单未复核或历史汇总均不能确认失败
- 确认失败改按付款后规则；确认人不得兼任导出、提交登记、清单确认

S2（迁移 20261007020000）
- 存在同金额候选时须有已复核、覆盖提交清单的失败归属；结算与失败归属分槽

失败回单识别口径（用户同意并入）
- 新增原始状态措辞字段（多字段原文不一致即为空）；失败事实严格判定：单页完整、
  仅“交易失败/转账失败/付款失败/支付失败”、唯一问题为交易失败、字段齐全；
  已撤销、已冲正、已退汇不接受；顶层识别状态与成功匹配不变
- 测试改走真实识别与归一化链，仅替换云端 OCR 响应

验证：借款 HTTP 41 组、浏览器 7 组、76 迁移；server 4463；共享回单测试 237；
三轮同模型只读复核的阻断项均已修复。

注意：界面未完成，不能单独部署；真实回单待验。未推送、未部署。

Co-Authored-By: Claude Opus 5.5 <[email protected]>

server/src/services/paymentReceiptMatching.js

@@ -41,7 +41,7 @@ function normalizeStatus(value) {
 function normalizeBankSlip(fields) {
   const result = {
     amount: null, currency: null, payerAccount: null, payeeAccount: null,
-    transactionStatus: null, reference: null, issues: [],
+    transactionStatus: null, transactionStatusRaw: null, reference: null, issues: [],
   };
   if (!Array.isArray(fields) || fields.length === 0 || fields.length > 200) {
     result.issues.push("response_invalid");
@@ -68,6 +68,15 @@ function normalizeBankSlip(fields) {
       result.issues.push(`${key}_ambiguous`);
     } else if (values.length && values[0] !== null) {
       result[key] = values[0];
+      // The exact bank wording is kept: several distinct bank states share the
+      // normalized "failed", but only some prove that no money left the account.
+      // Several bank wordings normalize to the same value (e.g. 交易失败 and 已撤销
+      // both become "failed"), so the raw wording is kept only when every status
+      // field carries the identical text; otherwise it stays null (fail closed).
+      if (key === "transactionStatus") {
+        const raws = new Set(entries.map((field) => normalizeText(field.Value)));
+        result.transactionStatusRaw = raws.size === 1 ? [...raws][0] : null;
+      }
     } else {
       result.issues.push(`${key}_unresolved`);
     }