echo/src/services/notificationRuleService.js

const fallbackRules = [
  // 支付宝消费：日常吃饭、网购等
  {
    id: 'alipay-expense',
    label: '支付宝消费',
    channels: ['支付宝', 'Alipay'],
    keywords: ['支付', '扣款', '支出', '消费', '成功支付'],
    direction: 'expense',
    defaultCategory: 'Food',
    autoCapture: false,
    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
  },
  // 支付宝收款 / 到账
  {
    id: 'alipay-income',
    label: '支付宝收款',
    channels: ['支付宝', 'Alipay'],
    keywords: ['到账', '收入', '收款', '入账'],
    direction: 'income',
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: /(?:来自|收款方)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
  },
  // 微信消费
  {
    id: 'wechat-expense',
    label: '微信消费',
    channels: ['微信支付', '微信', 'WeChat'],
    keywords: ['支付', '支出', '扣款', '消费成功'],
    direction: 'expense',
    defaultCategory: 'Groceries',
    autoCapture: false,
    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
  },
  // 微信收款 / 转账入账
  {
    id: 'wechat-income',
    label: '微信收款',
    channels: ['微信支付', '微信', 'WeChat'],
    keywords: ['收款', '到账', '入账', '转入'],
    direction: 'income',
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: /(?:来自|收款方)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
  },
  // 银行工资 / 常规入账
  {
    id: 'bank-income',
    label: '工资到账',
    channels: [
      '招商银行',
      '中国银行',
      '建设银行',
      '工商银行',
      '农业银行',
      '交通银行',
      '浦发银行',
      '兴业银行',
      '光大银行',
      '中信银行',
      '广发银行',
      '平安银行',
    ],
    keywords: ['工资', '薪资', '代发', '到账', '入账', '收入'],
    direction: 'income',
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: /(?:来自|付款方|来源)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
  },
  // 银行消费 / 借记卡扣款
  {
    id: 'bank-expense',
    label: '银行卡支出',
    channels: [
      '招商银行',
      '中国银行',
      '建设银行',
      '工商银行',
      '农业银行',
      '交通银行',
      '浦发银行',
      '兴业银行',
      '光大银行',
      '中信银行',
      '广发银行',
      '平安银行',
      '借记卡',
      '信用卡',
    ],
    keywords: ['支出', '消费', '扣款', '刷卡消费', '银联消费'],
    direction: 'expense',
    defaultCategory: 'Expense',
    autoCapture: false,
    merchantPattern: /(?:商户|商家|消费商户)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
  },
  // 手机公交卡 / 乘车码扣款（地铁、公交等），按交通分类
  {
    id: 'transit-card-expense',
    label: '公交出行',
    channels: [
      '杭州通互联互通卡',
      '杭州通',
      '北京一卡通',
      '上海公共交通卡',
      '深圳通',
      '苏州公交卡',
      '交通联合',
      '乘车码',
      '地铁',
      '公交',
      'Mi Pay',
      'Huawei Pay',
      '华为钱包',
      '小米钱包',
      'OPPO 钱包',
    ],
    // 对公交卡类通知，只要来源匹配即可视为出行支出，不强制正文关键字
    keywords: [],
    direction: 'expense',
    defaultCategory: 'Transport',
    autoCapture: true,
    // 优先从正文中提取「文三路->祥园路」之类的起点-终点信息作为“商户”
    merchantPattern: /([\u4e00-\u9fa5]{2,}\s*(?:-|—|>|→|至|到)\s*[\u4e00-\u9fa5]{2,})/,
    // 若无法提取线路，则使用统一名称
    defaultMerchant: '公交/地铁出行',
  },
]

let cachedRules = [...fallbackRules]
let remoteRuleFetcher = async () => []

/**
 * 允许后续接入服务端规则同步，只需在应用启动时调用并注入实际的 fetch 函数。
 * 服务端可以返回一组规则对象，形如：
 * {
 *   id: string;
 *   label?: string;
 *   enabled?: boolean;      // false 时在本地完全忽略此规则
 *   priority?: number;      // 预留优先级字段（当前仅在服务端使用）
 *   channels?: string[];    // 匹配通知来源（标题 / 包名）
 *   keywords?: string[];    // 匹配通知正文的关键字
 *   direction?: 'income' | 'expense';
 *   defaultCategory?: string;
 *   autoCapture?: boolean;
 * }
 * @param {(currentRules: Array) => Promise<Array>} fetcher
 */
export const setRemoteRuleFetcher = (fetcher) => {
  remoteRuleFetcher = typeof fetcher === 'function' ? fetcher : remoteRuleFetcher
}

const dedupeRules = (rules) => {
  const bucket = new Map()
  fallbackRules.forEach((rule) => bucket.set(rule.id, { ...rule }))
  rules.forEach((rule) => {
    const prev = bucket.get(rule.id) || {}
    bucket.set(rule.id, { ...prev, ...rule })
  })
  return Array.from(bucket.values())
}

export const loadNotificationRules = async () => {
  try {
    const remote = await remoteRuleFetcher(cachedRules)
    if (Array.isArray(remote) && remote.length > 0) {
      cachedRules = dedupeRules(remote)
    }
  } catch (err) {
    cachedRules = [...cachedRules]
    console.warn('[rules] 使用本地规则，远程规则获取失败：', err)
  }
  return cachedRules
}

export const getCachedNotificationRules = () => cachedRules

// 从通知文本中提取交易金额，兼容「¥」「￥」「元」「人民币」等常见形式
const extractAmount = (text = '') => {
  const primary = text.match(
    /(?:[¥￥]|人民币)\s*(-?\d+(?:\.\d{1,2})?)|(-?\d+(?:\.\d{1,2})?)\s*元/,
  )
  const value = primary?.[1] || primary?.[2]
  if (value) {
    return Math.abs(parseFloat(value))
  }
  const loose = text.match(/(-?\d+(?:\.\d{1,2})?)/)
  return loose?.[1] ? Math.abs(parseFloat(loose[1])) : 0
}

const extractMerchant = (text, rule) => {
  if (rule?.merchantPattern instanceof RegExp) {
    const m = text.match(rule.merchantPattern)
    if (m?.[1]) return m[1].trim()
  }

  const genericPatterns = [
    /向\s*([\u4e00-\u9fa5A-Za-z0-9\-\s&]+)/,
    /商户[:：]?\s*([\u4e00-\u9fa5A-Za-z0-9\-\s&]+)/,
  ]

  for (const pattern of genericPatterns) {
    const m = text.match(pattern)
    if (m?.[1]) return m[1].trim()
  }

  const parts = text.split(/：|:/)
  if (parts.length > 1) {
    const candidate = parts[1].split(/[，,\s]/)[0]
    if (candidate) return candidate.trim()
  }

  return 'Unknown'
}

const matchRule = (notification, rule) => {
  if (!rule || rule.enabled === false) return false
  const channel = notification?.channel || ''
  const text = notification?.text || ''
  const channelHit = !rule.channels?.length || rule.channels.some((item) => channel.includes(item))
  const keywordHit = !rule.keywords?.length || rule.keywords.some((word) => text.includes(word))
  return channelHit && keywordHit
}

/**
 * 根据当前规则集生成交易草稿，并返回命中的规则信息
 * @param {{ id: string, channel: string, text: string, createdAt: string }} notification
 * @param {{ ruleSet?: Array, overrides?: object }} options
 * @returns {{ transaction: import('../types/transaction').Transaction, rule?: object, requiresConfirmation: boolean }}
 */
export const transformNotificationToTransaction = (notification, options = {}) => {
  const ruleSet = options.ruleSet?.length ? options.ruleSet : cachedRules
  const rule = ruleSet.find((item) => matchRule(notification, item))
  const amountFromText = extractAmount(notification?.text)
  const direction = options.direction || rule?.direction || 'expense'
  const normalizedAmount =
    direction === 'income' ? Math.abs(amountFromText) : -Math.abs(amountFromText)

  let merchant = options.merchant || extractMerchant(notification?.text || '', rule) || 'Unknown'
  if (merchant === 'Unknown' && rule?.defaultMerchant) {
    merchant = rule.defaultMerchant
  }

  const date = options.date || notification?.createdAt || new Date().toISOString()

  const transaction = {
    id: options.id,
    merchant,
    category: options.category || rule?.defaultCategory || 'Uncategorized',
    amount: Number.isFinite(normalizedAmount) ? normalizedAmount : 0,
    date: new Date(date).toISOString(),
    note: notification?.text || '',
    syncStatus: 'pending',
  }

  const requiresConfirmation =
    options.requiresConfirmation ??
    !(rule?.autoCapture && transaction.amount !== 0 && merchant !== 'Unknown')

  return { transaction, rule, requiresConfirmation }
}