fix: drop 付款确认中 from sample payment progressStatus

Sample-level 缴费进度 is now only 待缴费 / 部分已缴 / 已缴清.
Transfer jfqrz still blocks canConfirm but no longer surfaces as progress.

Co-authored-by: Cursor <cursoragent@cursor.com>

backend/tests/test_sample_payment_progress.py

@@ -23,7 +23,8 @@ class TestSamplePaymentProgress(unittest.TestCase):
         self.assertEqual(r["activeScheduleCount"], 1)
         self.assertTrue(r["canConfirm"])
 
-    def test_confirming_wins_over_partial(self):
+    def test_confirming_does_not_set_progress_status(self):
+        """付款确认中不再作为样本缴费进度；有 yjf 则部分已缴，仍不可再提交确认。"""
         r = compute_sample_payment_progress(
             schedules=[
                 {"id": "s1", "scheduleStatus": "open", "dueAmount": Decimal("1000")},
@@ -33,10 +34,24 @@ class TestSamplePaymentProgress(unittest.TestCase):
                 {"scheduleId": "s1", "payStatus": "jfqrz", "transferAmount": Decimal("100")},
             ],
         )
-        self.assertEqual(r["progressStatus"], "jfqrz")
+        self.assertEqual(r["progressStatus"], "bfyj")
         self.assertEqual(r["paidAmount"], Decimal("200"))
         self.assertFalse(r["canConfirm"])
 
+    def test_confirming_only_stays_pending(self):
+        """仅有付款确认中、尚无 yjf 时，缴费进度仍为待缴费。"""
+        r = compute_sample_payment_progress(
+            schedules=[
+                {"id": "s1", "scheduleStatus": "open", "dueAmount": Decimal("1000")},
+            ],
+            transfers=[
+                {"scheduleId": "s1", "payStatus": "jfqrz", "transferAmount": Decimal("100")},
+            ],
+        )
+        self.assertEqual(r["progressStatus"], "dfj")
+        self.assertEqual(r["paidAmount"], Decimal("0"))
+        self.assertFalse(r["canConfirm"])
+
     def test_partial_paid(self):
         r = compute_sample_payment_progress(
             schedules=[