fix: align business reports and record task migration progress

internal/data/business/alert_v2_test.go

@@ -2,6 +2,7 @@ package business
 
 import (
 	"context"
+	"sync/atomic"
 	"testing"
 	"time"
 
@@ -9,6 +10,35 @@ import (
 	"kra/internal/biz/business"
 )
 
+func TestAlertLossSkipsPaymentReadsForExpiredLogins(t *testing.T) {
+	db := openTestDB(t)
+	now := prepareAlertV2(t, db)
+	if err := db.Exec("UPDATE tab_promote SET last_login_time=0,create_time=1").Error; err != nil {
+		t.Fatal(err)
+	}
+	var paymentReads atomic.Int32
+	if err := db.Callback().Row().Before("gorm:row").Register("count_loss_payment_reads", func(tx *gorm.DB) {
+		if tx.Statement.Table == "tab_spend" {
+			paymentReads.Add(1)
+		}
+	}); err != nil {
+		t.Fatal(err)
+	}
+	keys := []business.ChannelKey{{SourceDB: "lx", ID: 1}, {SourceDB: "hw", ID: 1}}
+	window := business.AlertLossAt(now)
+	states, err := loadAlertLoss(db, keys, window)
+	if err != nil || paymentReads.Load() != 0 || len(states) != 2 || !*states[keys[0]] || !*states[keys[1]] {
+		t.Fatalf("expired logins should establish loss without payment reads: %+v %v reads=%d", states, err, paymentReads.Load())
+	}
+	if err := db.Exec("UPDATE tab_promote SET last_login_time=? WHERE source_db='hw'", now.Unix()).Error; err != nil {
+		t.Fatal(err)
+	}
+	states, err = loadAlertLoss(db, keys, window)
+	if err != nil || paymentReads.Load() != 1 || !*states[keys[0]] || *states[keys[1]] {
+		t.Fatalf("active login must still check payments within its own platform: %+v %v reads=%d", states, err, paymentReads.Load())
+	}
+}
+
 func prepareAlertV2(t *testing.T, db *gorm.DB) time.Time {
 	t.Helper()
 	now := time.Date(2026, 11, 5, 0, 0, 0, 0, time.FixedZone("Asia/Shanghai", 8*3600))