diff --git a/backend/app/tasks/h5_ai_task.py b/backend/app/tasks/h5_ai_task.py
index 1ac3ea4..cb13f2f 100644
--- a/backend/app/tasks/h5_ai_task.py
+++ b/backend/app/tasks/h5_ai_task.py
@@ -442,23 +442,31 @@ async def _persist_and_push_structured(
         extra_data["options"] = options
     # 为审批卡片注入标准化 card_data（替换原有的分散匹配逻辑）
     if action:
-        approval_type = action.get("approval_type")
-        title = action.get("title")
-
-        # v3.0 重构：委托 ApprovalMatcher 统一完成模板匹配 + 卡片构建
-        from app.services.approval_matcher import get_approval_matcher
-        matcher = get_approval_matcher()
-        matched_card = matcher.match_and_build_card(approval_type, title)
-
-        if matched_card:
-            # 注入 URL 供 approve-direct-card 兼容路径使用
+        # v3.2 修复：降级路径已构建好 card_data 时，跳过重复匹配（避免 approval_type=None 误报"匹配失败"）
+        if action.get("card_data"):
+            matched_card = action["card_data"]
             options = matched_card.get("options", [])
-            if options:
+            if options and not action.get("url"):
                 action["url"] = options[0].get("url", "")
-            action["card_data"] = matched_card
-            logger.info(f"[ApprovalMatcher] 匹配成功: {approval_type} -> card_type={matched_card.get('card_type')}")
+            logger.info(f"[ApprovalMatcher] 使用预构建 card_data: {matched_card.get('title')}")
         else:
-            logger.warning(f"[ApprovalMatcher] 匹配失败: approval_type={approval_type}, title={title}")
+            approval_type = action.get("approval_type")
+            title = action.get("title")
+
+            # v3.0 重构：委托 ApprovalMatcher 统一完成模板匹配 + 卡片构建
+            from app.services.approval_matcher import get_approval_matcher
+            matcher = get_approval_matcher()
+            matched_card = matcher.match_and_build_card(approval_type, title)
+
+            if matched_card:
+                # 注入 URL 供 approve-direct-card 兼容路径使用
+                options = matched_card.get("options", [])
+                if options:
+                    action["url"] = options[0].get("url", "")
+                action["card_data"] = matched_card
+                logger.info(f"[ApprovalMatcher] 匹配成功: {approval_type} -> card_type={matched_card.get('card_type')}")
+            else:
+                logger.warning(f"[ApprovalMatcher] 匹配失败: approval_type={approval_type}, title={title}")
 
         extra_data["action"] = action