diff --git a/src/services/notificationRuleService.js b/src/services/notificationRuleService.js
index 436c2cf..2bece4e 100644
--- a/src/services/notificationRuleService.js
+++ b/src/services/notificationRuleService.js
@@ -1,42 +1,126 @@
 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'],
+    channels: ['支付宝', '支付', 'Alipay'],
+    keywords: ['支付', '扣款', '支出', '已消费', '成功支付'],
     direction: 'expense',
     defaultCategory: 'Food',
     autoCapture: false,
-    merchantPattern: /向\s?([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
+    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
   },
+  // 支付宝收款 / 到账
   {
     id: 'alipay-income',
-    label: '支付宝收入',
-    channels: ['支付宝', 'Alipay'],
-    keywords: ['到账', '收入'],
+    label: '支付宝收款',
+    channels: ['支付宝', '支付', 'Alipay'],
+    keywords: ['到账', '收入', '收款', '入账'],
     direction: 'income',
     defaultCategory: 'Income',
     autoCapture: true,
-    merchantPattern: /来自\s?([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
+    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', 'WeChat'],
-    keywords: ['支付', '支出', '扣款'],
+    channels: ['微信', '微信支付', 'WeChat'],
+    keywords: ['支付', '支出', '扣款', '消费成功'],
     direction: 'expense',
     defaultCategory: 'Groceries',
     autoCapture: false,
-    merchantPattern: /：([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
+    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
   },
+  // 微信收款 / 转账入账
   {
-    id: 'bank-income',
-    label: '工资到账',
-    channels: ['招商银行', '中国银行', '建设银行'],
-    keywords: ['工资', '薪资', '到账'],
+    id: 'wechat-income',
+    label: '微信收款',
+    channels: ['微信', '微信支付', '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: [
+      '公交',
+      '地铁',
+      '乘车码',
+      '交通联合',
+      '一卡通',
+      '北京一卡通',
+      '上海公共交通卡',
+      '深圳通',
+      '苏州公交卡',
+      '杭州通互联互通卡',
+      'Mi Pay',
+      'Huawei Pay',
+      '华为钱包',
+      '小米智能卡',
+      '小米钱包',
+      'OPPO 钱包',
+    ],
+    keywords: ['扣款', '支出', '乘车', '刷卡', '过闸','行程中','地铁','公交','进站','出站'],
+    direction: 'expense',
+    defaultCategory: 'Transport',
+    autoCapture: true,
+    // 公交卡类通知里商户往往不重要，给一个统一名称
+    defaultMerchant: '公交/地铁出行',
   },
 ]
 
@@ -44,7 +128,7 @@ 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 fetch 函数
+ * 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
  * @param {(currentRules: Array) => Promise<Array>} fetcher
  */
 export const setRemoteRuleFetcher = (fetcher) => {
@@ -76,10 +160,14 @@ export const loadNotificationRules = async () => {
 
 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 match = text.match(/(?:¥|￥)\s?(-?\d+(?:\.\d{1,2})?)/)
-  if (match?.[1]) {
-    return Math.abs(parseFloat(match[1]))
+  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
@@ -90,11 +178,11 @@ const extractMerchant = (text, rule) => {
     const m = text.match(rule.merchantPattern)
     if (m?.[1]) return m[1].trim()
   }
-  const generic = text.match(/向\s?([\u4e00-\u9fa5A-Za-z0-9\-\s&]+)/)
+  const generic = text.match(/向\s*([\u4e00-\u9fa5A-Za-z0-9\-\s&]+)/)
   if (generic?.[1]) return generic[1].trim()
   const parts = text.split(/：|:/)
   if (parts.length > 1) {
-    const candidate = parts[1].split(/[，。.\s]/)[0]
+    const candidate = parts[1].split(/[，,\s]/)[0]
     if (candidate) return candidate.trim()
   }
   return 'Unknown'
@@ -120,9 +208,14 @@ export const transformNotificationToTransaction = (notification, options = {}) =
   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)
-  const merchant =
-    options.merchant || extractMerchant(notification?.text || '', rule) || 'Unknown'
+  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 = {
@@ -141,3 +234,4 @@ export const transformNotificationToTransaction = (notification, options = {}) =
 
   return { transaction, rule, requiresConfirmation }
 }
+
diff --git a/src/services/notificationSourceService.js b/src/services/notificationSourceService.js
index 9b2e4eb..bb5dd3f 100644
--- a/src/services/notificationSourceService.js
+++ b/src/services/notificationSourceService.js
@@ -13,7 +13,7 @@ const nativeBridgeReady = isNativeNotificationBridgeAvailable()
 /**
  * 本地模拟通知缓存：
  * - 浏览器环境：用于 Demo & Mock
- * - 原生环境：作为 NotificationBridge 数据的补充/兜底
+ * - 原生环境：作为 NotificationBridge 数据的补充兜底
  */
 let localNotificationQueue = [
   {
@@ -34,6 +34,18 @@ let localNotificationQueue = [
     text: '招商银行：工资收入 ¥12500.00 已到账',
     createdAt: new Date(Date.now() - 1000 * 60 * 32).toISOString(),
   },
+  {
+    id: uuidv4(),
+    channel: '北京一卡通',
+    text: '北京一卡通：乘车扣款 3.00 元，扣款金额 3.00 元',
+    createdAt: new Date(Date.now() - 1000 * 60 * 45).toISOString(),
+  },
+  {
+    id: uuidv4(),
+    channel: '建设银行',
+    text: '建设银行信用卡：刷卡消费 人民币 86.20 元，消费商户 星巴克咖啡',
+    createdAt: new Date(Date.now() - 1000 * 60 * 60).toISOString(),
+  },
 ]
 
 export const setRemoteNotificationFetcher = (fetcher) => {
@@ -81,7 +93,7 @@ export const acknowledgeNotification = async (id) => {
   try {
     await remoteNotificationAcknowledger(id)
   } catch (error) {
-    console.warn('[notifications] 远程确认失败，将在下次同步重试', error)
+    console.warn('[notifications] 远程通知确认失败，将在下次同步重试', error)
   }
 }
 
@@ -105,7 +117,7 @@ if (nativeBridgeReady) {
     try {
       await NotificationBridge.acknowledgeNotification({ id })
     } catch (error) {
-      console.warn('[notifications] 通知确认同步失败', error)
+      console.warn('[notifications] 通知确认同步至原生失败', error)
     }
   })
 }