diff --git a/pages/contract/index.vue b/pages/contract/index.vue
index 138f6f8..f913c79 100644
--- a/pages/contract/index.vue
+++ b/pages/contract/index.vue
@@ -560,7 +560,7 @@
 							</el-button>
 							<p v-if="pointsBalance < reviewPoints + 200" style="font-size:12px;color:#f56c6c;margin-top:6px;">
 								⚠️ 积分不足，当前余额 {{ pointsBalance }}，需要 {{ reviewPoints }} 积分且审查后余额需保留至少 200 积分。
-								<span style="color:#a92924;cursor:pointer;text-decoration:underline;" @click="$refs.aiChat ? null : null">去充值</span>
+								<span style="color:#a92924;cursor:pointer;text-decoration:underline;" @click="goRecharge">去充值</span>
 							</p>
 						</view>
 						</view>
@@ -1712,6 +1712,17 @@
 				return html;
 			},
 			// ===== 积分相关 =====
+			// 积分不足时跳转到「积分管理」并刷新余额与明细
+			goRecharge() {
+				this.menuIndex = '6';
+				this.isSign = false;
+				this.isSignIntro = false;
+				this.isSignLog = false;
+				this.isSignFlow = false;
+				this.isSignTips = false;
+				this.getPointsBalance();
+				this.getPointsLog();
+			},
 			async getPointsBalance() {
 				try {
 					const res = await vk.callFunction({
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
index c43baba..23c0e5e 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/chat.js
@@ -25,22 +25,52 @@ module.exports = {
       }
     });
 
-    let answer = '';
+    // 扣子 v3 流式事件说明：
+    //   conversation.message.delta      —— 增量片段（应当拼接）
+    //   conversation.message.completed  —— 该条消息的「完整内容」（不能再次拼接，否则重复）
+    // 因此必须按事件类型区分，只累加 delta；completed 仅用于兜底。
     let conversationId = '';
+    const msgMap = new Map(); // messageId -> { text }
+    let curEvent = '';
     const text = res.data || '';
     const lines = text.split('\n');
     for (const line of lines) {
+      if (line.startsWith('event:')) {
+        curEvent = line.slice(6).trim();
+        continue;
+      }
       if (!line.startsWith('data:')) continue;
       const d = line.slice(5).trim();
       if (d === '[DONE]' || d === '"[DONE]"') continue;
       try {
         const p = JSON.parse(d);
         if (p.conversation_id) conversationId = p.conversation_id;
-        if (p.type === 'answer' && p.content) {
-          answer += p.content;  // 拼接，不是覆盖
+        // 只取正文，忽略 verbose（工具调用日志）等其他类型
+        if (p.type !== 'answer' || typeof p.content !== 'string') continue;
+        const key = p.id || '__default__';
+        const rec = msgMap.get(key) || { text: '' };
+
+        if (curEvent === 'conversation.message.delta') {
+          // 防御：万一上游发的是累计内容而非增量，用长度+前缀判断避免重复
+          if (p.content.length > rec.text.length && p.content.indexOf(rec.text) === 0) {
+            rec.text = p.content;
+          } else {
+            rec.text += p.content;
+          }
+          msgMap.set(key, rec);
+        } else if (curEvent === 'conversation.message.completed') {
+          // 已有 delta 拼出的内容就丢掉 completed，避免重复；没有则用它兜底
+          if (!rec.text && p.content) {
+            rec.text = p.content;
+            msgMap.set(key, rec);
+          }
         }
       } catch (e) { /* 跳过 */ }
     }
+
+    // 按消息首次出现顺序拼接（多段消息之间自带换行，直接相连）
+    let answer = '';
+    for (const rec of msgMap.values()) answer += rec.text;
     if (!answer) answer = '暂时无法回复，请拨打 400-686-5559 咨询';
 
     return {
diff --git a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js
index 86b3b98..c1c27f7 100644
--- a/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js
+++ b/uniCloud-tcb/cloudfunctions/router/service/client/ai/pub/jjxDoReview.js
@@ -73,8 +73,13 @@ module.exports = {
               if (p.conversation_id) conversationId = p.conversation_id;
               
               // 处理回答内容
+              // 注意：conversation.message.completed 携带的是该条消息的完整内容，
+              // 若前面已经通过 delta 拼过，再拼一次就会重复，这里做去重
               if (p.type === 'answer' && p.content) {
-                answer += p.content;
+                const isDup = eventName === 'conversation.message.completed' && answer.indexOf(p.content) >= 0;
+                if (!isDup) {
+                  answer += p.content;
+                }
                 
                 // 每积累 200 字更新一次数据库（前端轮询能看到进度）
                 if (answer.length - lastUpdateLen >= 200) {