feat:新增ai分析，新增储值账户，优化通知规则

2026-03-12 14:03:01 +08:00
parent 6a00875246
commit 6ca962a187
22 changed files with 1294 additions and 237 deletions
--- a/android/app/src/main/java/com/echo/app/notification/NotificationDb.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationDb.kt
@@ -1,24 +1,22 @@
-package com.echo.app.notification
+package com.echo.app.notification

 import android.content.Context
+import android.database.Cursor
 import android.database.sqlite.SQLiteDatabase
 import android.database.sqlite.SQLiteOpenHelper
 import android.util.Log
 import java.util.UUID
 import java.util.concurrent.locks.ReentrantLock
 import kotlin.concurrent.withLock
+import kotlin.math.abs

-// 原生 SQLite 访问封装：与 @capacitor-community/sqlite 共用同一个 echo_local 数据库
+// Native SQLite access shared with @capacitor-community/sqlite.
 object NotificationDb {

    private const val TAG = "NotificationDb"
-
-    // 注意：前端通过 @capacitor-community/sqlite 使用的 DB 名为 "echo_local"
-    // 插件在 Android 上实际创建的文件名为 "<dbName>SQLite.db"
    private const val DB_FILE_NAME = "echo_localSQLite.db"
    private const val DB_VERSION = 1

-    // transactions 表结构需与 src/lib/sqlite.js 保持完全一致
    private const val SQL_CREATE_TRANSACTIONS = """
        CREATE TABLE IF NOT EXISTS transactions (
            id TEXT PRIMARY KEY NOT NULL,
@@ -27,11 +25,24 @@ object NotificationDb {
            category TEXT DEFAULT 'Uncategorized',
            date TEXT NOT NULL,
            note TEXT,
-            sync_status INTEGER DEFAULT 0
+            sync_status INTEGER DEFAULT 0,
+            entry_type TEXT DEFAULT 'expense',
+            fund_source_type TEXT DEFAULT 'cash',
+            fund_source_name TEXT,
+            fund_target_type TEXT DEFAULT 'merchant',
+            fund_target_name TEXT,
+            impact_expense INTEGER DEFAULT 1,
+            impact_income INTEGER DEFAULT 0,
+            ai_category TEXT,
+            ai_tags TEXT,
+            ai_confidence REAL,
+            ai_reason TEXT,
+            ai_status TEXT DEFAULT 'idle',
+            ai_model TEXT,
+            ai_normalized_merchant TEXT
        );
    """

-    // notifications_raw 表：用于调试与规则命中记录
    private const val SQL_CREATE_NOTIFICATIONS_RAW = """
        CREATE TABLE IF NOT EXISTS notifications_raw (
            id TEXT PRIMARY KEY NOT NULL,
@@ -47,18 +58,33 @@ object NotificationDb {
        );
    """

-    // 简单 SQLiteOpenHelper：主要用于定位与创建数据库文件
+    private val TRANSACTION_REQUIRED_COLUMNS = linkedMapOf(
+        "entry_type" to "TEXT DEFAULT 'expense'",
+        "fund_source_type" to "TEXT DEFAULT 'cash'",
+        "fund_source_name" to "TEXT",
+        "fund_target_type" to "TEXT DEFAULT 'merchant'",
+        "fund_target_name" to "TEXT",
+        "impact_expense" to "INTEGER DEFAULT 1",
+        "impact_income" to "INTEGER DEFAULT 0",
+        "ai_category" to "TEXT",
+        "ai_tags" to "TEXT",
+        "ai_confidence" to "REAL",
+        "ai_reason" to "TEXT",
+        "ai_status" to "TEXT DEFAULT 'idle'",
+        "ai_model" to "TEXT",
+        "ai_normalized_merchant" to "TEXT",
+    )
+
    private class EchoDbHelper(context: Context) :
        SQLiteOpenHelper(context, DB_FILE_NAME, null, DB_VERSION) {

        override fun onCreate(db: SQLiteDatabase) {
-            // 正常情况下，数据表由前端首次启动时创建；此处作为兜底
            db.execSQL(SQL_CREATE_TRANSACTIONS)
            db.execSQL(SQL_CREATE_NOTIFICATIONS_RAW)
        }

        override fun onUpgrade(db: SQLiteDatabase, oldVersion: Int, newVersion: Int) {
-            // 当前仅有 v1，暂不实现升级逻辑；未来如有版本变更再补充
+            // No-op for now.
        }
    }

@@ -69,22 +95,37 @@ object NotificationDb {
    private var schemaInitialized = false

    private fun getHelper(context: Context): EchoDbHelper {
-        // 使用 applicationContext 避免泄漏 Activity
        val appContext = context.applicationContext
        return helper ?: synchronized(this) {
            helper ?: EchoDbHelper(appContext).also { helper = it }
        }
    }

+    private fun ensureTableColumns(db: SQLiteDatabase, tableName: String, requiredColumns: Map<String, String>) {
+        val existingColumns = mutableSetOf<String>()
+        val cursor: Cursor = db.rawQuery("PRAGMA table_info($tableName)", null)
+        cursor.use {
+            val nameIndex = it.getColumnIndex("name")
+            while (it.moveToNext()) {
+                existingColumns += it.getString(nameIndex)
+            }
+        }
+
+        requiredColumns.forEach { (columnName, definition) ->
+            if (!existingColumns.contains(columnName)) {
+                db.execSQL("ALTER TABLE $tableName ADD COLUMN $columnName $definition")
+            }
+        }
+    }
+
    private fun ensureSchema(db: SQLiteDatabase) {
        if (schemaInitialized) return
-        // 多线程下可能执行多次，但都是幂等的 IF NOT EXISTS，性能成本极低
        db.execSQL(SQL_CREATE_TRANSACTIONS)
        db.execSQL(SQL_CREATE_NOTIFICATIONS_RAW)
+        ensureTableColumns(db, "transactions", TRANSACTION_REQUIRED_COLUMNS)
        schemaInitialized = true
    }

-    // 用于规则引擎输入的原始通知模型
    data class RawNotification(
        val sourceId: String,
        val packageName: String,
@@ -94,30 +135,19 @@ object NotificationDb {
        val postedAt: String
    )

-    /**
-     * 处理单条通知：
-     * 1. 写入 notifications_raw，初始 status = 'unmatched'
-     * 2. 调用 NotificationRuleEngine 做规则解析
-     * 3. 命中规则时：
-     *    - 写入一条 transactions 记录
-     *    - 更新 notifications_raw.status = 'matched'，补充 rule_id、transaction_id
-     * 4. 解析异常时：
-     *    - 更新 notifications_raw.status = 'error'，写入 error_message
-     */
    fun processAndStoreNotification(context: Context, raw: RawNotification) {
        lock.withLock {
            val db = getHelper(context).writableDatabase
            ensureSchema(db)

-        val rawId = UUID.randomUUID().toString()
-        var status = "unmatched"
-        var ruleId: String? = null
-        var transactionId: String? = null
-        var errorMessage: String? = null
+            val rawId = UUID.randomUUID().toString()
+            var status = "unmatched"
+            var ruleId: String? = null
+            var transactionId: String? = null
+            var errorMessage: String? = null

            db.beginTransaction()
            try {
-                // 写入 notifications_raw（初始 unmatched）
                db.compileStatement(
                    """
                    INSERT INTO notifications_raw (
@@ -127,16 +157,8 @@ object NotificationDb {
                ).apply {
                    bindString(1, rawId)
                    bindString(2, raw.sourceId)
-                    if (raw.channel != null) {
-                        bindString(3, raw.channel)
-                    } else {
-                        bindNull(3)
-                    }
-                    if (raw.title != null) {
-                        bindString(4, raw.title)
-                    } else {
-                        bindNull(4)
-                    }
+                    if (raw.channel != null) bindString(3, raw.channel) else bindNull(3)
+                    if (raw.title != null) bindString(4, raw.title) else bindNull(4)
                    bindString(5, raw.text)
                    bindString(6, raw.postedAt)
                    bindString(7, status)
@@ -144,34 +166,37 @@ object NotificationDb {
                    close()
                }

-                // 调用规则引擎
                val parsed = NotificationRuleEngine.parse(raw)

                if (parsed != null) {
                    ruleId = parsed.ruleId
-
-                    // 与 JS 侧逻辑保持一致：
-                    // requiresConfirmation = !(autoCapture && amount!=0 && merchant!='Unknown')
                    val hasAmount = parsed.amount != 0.0
-                    val merchantKnown =
-                        parsed.merchant.isNotBlank() && parsed.merchant != "Unknown"
+                    val merchantKnown = parsed.merchant.isNotBlank() && parsed.merchant != "Unknown"
                    val requiresConfirmation = !(parsed.autoCapture && hasAmount && merchantKnown)

                    if (!requiresConfirmation) {
-                        // 统一按照设计文档：支出为负数，收入为正数
-                        val signedAmount = if (parsed.isExpense) {
-                            -kotlin.math.abs(parsed.amount)
-                        } else {
-                            kotlin.math.abs(parsed.amount)
-                        }
+                        val signedAmount = if (parsed.isExpense) -abs(parsed.amount) else abs(parsed.amount)
                        transactionId = UUID.randomUUID().toString()
                        status = "matched"

                        db.compileStatement(
                            """
                            INSERT INTO transactions (
-                                id, amount, merchant, category, date, note, sync_status
-                            ) VALUES (?, ?, ?, ?, ?, ?, ?)
+                                id,
+                                amount,
+                                merchant,
+                                category,
+                                date,
+                                note,
+                                sync_status,
+                                entry_type,
+                                fund_source_type,
+                                fund_source_name,
+                                fund_target_type,
+                                fund_target_name,
+                                impact_expense,
+                                impact_income
+                            ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
                            """.trimIndent()
                        ).apply {
                            bindString(1, transactionId)
@@ -179,23 +204,21 @@ object NotificationDb {
                            bindString(3, parsed.merchant)
                            bindString(4, parsed.category)
                            bindString(5, raw.postedAt)
-                            if (parsed.note != null) {
-                                bindString(6, parsed.note)
-                            } else {
-                                bindNull(6)
-                            }
-                            // sync_status: 0 = pending（本地生成，尚未同步）
+                            if (parsed.note != null) bindString(6, parsed.note) else bindNull(6)
                            bindLong(7, 0L)
+                            bindString(8, parsed.entryType)
+                            bindString(9, parsed.fundSourceType)
+                            bindString(10, parsed.fundSourceName)
+                            bindString(11, parsed.fundTargetType)
+                            bindString(12, parsed.fundTargetName)
+                            bindLong(13, if (parsed.impactExpense) 1L else 0L)
+                            bindLong(14, if (parsed.impactIncome) 1L else 0L)
                            executeInsert()
                            close()
                        }
-                    } else {
-                        // 保持 status = 'unmatched'，但记录命中的 rule_id，方便前端调试视图展示“有推荐规则”
-                        status = "unmatched"
                    }
                }

-                // 根据结果更新 notifications_raw 状态
                db.compileStatement(
                    """
                    UPDATE notifications_raw
@@ -204,21 +227,9 @@ object NotificationDb {
                    """.trimIndent()
                ).apply {
                    bindString(1, status)
-                    if (ruleId != null) {
-                        bindString(2, ruleId)
-                    } else {
-                        bindNull(2)
-                    }
-                    if (transactionId != null) {
-                        bindString(3, transactionId)
-                    } else {
-                        bindNull(3)
-                    }
-                    if (errorMessage != null) {
-                        bindString(4, errorMessage)
-                    } else {
-                        bindNull(4)
-                    }
+                    if (ruleId != null) bindString(2, ruleId) else bindNull(2)
+                    if (transactionId != null) bindString(3, transactionId) else bindNull(3)
+                    if (errorMessage != null) bindString(4, errorMessage) else bindNull(4)
                    bindString(5, rawId)
                    executeUpdateDelete()
                    close()
@@ -226,8 +237,7 @@ object NotificationDb {

                db.setTransactionSuccessful()
            } catch (e: Exception) {
-                // 若解析阶段抛异常，尽量在同一事务中回写 error 状态
-                Log.e(TAG, "处理通知并写入 SQLite 失败", e)
+                Log.e(TAG, "processAndStoreNotification failed", e)
                status = "error"
                errorMessage = e.message ?: e.toString()
                try {
@@ -239,13 +249,13 @@ object NotificationDb {
                        """.trimIndent()
                    ).apply {
                        bindString(1, status)
-                        bindString(2, errorMessage!!)
+                        bindString(2, errorMessage)
                        bindString(3, rawId)
                        executeUpdateDelete()
                        close()
                    }
                } catch (inner: Exception) {
-                    Log.e(TAG, "更新 notifications_raw 错误状态失败", inner)
+                    Log.e(TAG, "failed to update notifications_raw error state", inner)
                }
            } finally {
                db.endTransaction()
--- a/android/app/src/main/java/com/echo/app/notification/NotificationRuleData.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationRuleData.kt
@@ -10,6 +10,15 @@ internal object NotificationRuleData {
            keywords = listOf("支付", "扣款", "支出", "消费", "成功支付"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "cash",
+            fundSourceName = "支付宝余额",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Food",
            autoCapture = false,
            merchantPattern = Regex("(?:向|收款方|商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)", setOf(RegexOption.IGNORE_CASE)),
@@ -22,6 +31,15 @@ internal object NotificationRuleData {
            keywords = listOf("到账", "收入", "收款", "入账"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "cash",
+            fundTargetName = "支付宝余额",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|收款方|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)", setOf(RegexOption.IGNORE_CASE)),
@@ -34,6 +52,15 @@ internal object NotificationRuleData {
            keywords = listOf("支付", "支出", "扣款", "消费成功"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "cash",
+            fundSourceName = "微信余额",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Groceries",
            autoCapture = false,
            merchantPattern = Regex("(?:向|收款方|商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -46,6 +73,15 @@ internal object NotificationRuleData {
            keywords = listOf("收款", "到账", "入账", "转入"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "cash",
+            fundTargetName = "微信余额",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|收款方|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -58,6 +94,15 @@ internal object NotificationRuleData {
            keywords = listOf("工资", "薪资", "代发", "到账", "入账", "收入"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "bank",
+            fundTargetName = "银行卡",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -70,11 +115,62 @@ internal object NotificationRuleData {
            keywords = listOf("支出", "消费", "扣款", "刷卡消费", "银联消费"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "bank",
+            fundSourceName = "银行卡",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Expense",
            autoCapture = false,
            merchantPattern = Regex("(?:商户|商家|消费商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
            defaultMerchant = null,
        ),
+        NotificationRuleDefinition(
+            id = "stored-value-topup",
+            label = "储值账户充值",
+            channels = listOf("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"),
+            keywords = listOf("充值", "充值成功", "充值到账", "钱包充值", "卡内充值"),
+            requiredTextPatterns = emptyList(),
+            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "transfer",
+            fundSourceType = "cash",
+            fundSourceName = "现金账户",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "stored_value",
+            fundTargetName = null,
+            fundTargetNameFromChannel = true,
+            impactExpense = false,
+            impactIncome = false,
+            defaultCategory = "Transfer",
+            autoCapture = true,
+            merchantPattern = null,
+            defaultMerchant = "储值账户充值",
+        ),
+        NotificationRuleDefinition(
+            id = "stored-value-refund",
+            label = "储值账户退款",
+            channels = listOf("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"),
+            keywords = listOf("退款", "退资", "退卡", "余额退回", "退款成功"),
+            requiredTextPatterns = emptyList(),
+            direction = NotificationRuleDirection.INCOME,
+            entryType = "transfer",
+            fundSourceType = "stored_value",
+            fundSourceName = null,
+            fundSourceNameFromChannel = true,
+            fundTargetType = "cash",
+            fundTargetName = "现金账户",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = false,
+            defaultCategory = "Transfer",
+            autoCapture = true,
+            merchantPattern = null,
+            defaultMerchant = "储值账户退款",
+        ),
        NotificationRuleDefinition(
            id = "transit-card-expense",
            label = "公交出行",
@@ -82,6 +178,15 @@ internal object NotificationRuleData {
            keywords = emptyList(),
            requiredTextPatterns = listOf("扣费", "扣款", "支付", "乘车码", "车费", "票价", "本次乘车", "实付", "优惠后"),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "stored_value",
+            fundSourceName = null,
+            fundSourceNameFromChannel = true,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Transport",
            autoCapture = true,
            merchantPattern = Regex("([\\u4e00-\\u9fa5]{2,}\\s*(?:-|->|→|至|到)\\s*[\\u4e00-\\u9fa5]{2,})"),
--- a/android/app/src/main/java/com/echo/app/notification/NotificationRuleEngine.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationRuleEngine.kt
@@ -14,6 +14,15 @@ internal data class NotificationRuleDefinition(
    val keywords: List<String> = emptyList(),
    val requiredTextPatterns: List<String> = emptyList(),
    val direction: NotificationRuleDirection,
+    val entryType: String = "expense",
+    val fundSourceType: String = "cash",
+    val fundSourceName: String? = null,
+    val fundSourceNameFromChannel: Boolean = false,
+    val fundTargetType: String = "merchant",
+    val fundTargetName: String? = null,
+    val fundTargetNameFromChannel: Boolean = false,
+    val impactExpense: Boolean = true,
+    val impactIncome: Boolean = false,
    val defaultCategory: String,
    val autoCapture: Boolean,
    val merchantPattern: Regex? = null,
@@ -30,6 +39,13 @@ object NotificationRuleEngine {
        val category: String,
        val amount: Double,
        val isExpense: Boolean,
+        val entryType: String,
+        val fundSourceType: String,
+        val fundSourceName: String,
+        val fundTargetType: String,
+        val fundTargetName: String,
+        val impactExpense: Boolean,
+        val impactIncome: Boolean,
        val note: String?,
        val autoCapture: Boolean,
    )
@@ -60,11 +76,24 @@ object NotificationRuleEngine {
            category = rule.defaultCategory.ifBlank { "Uncategorized" },
            amount = amount,
            isExpense = rule.direction == NotificationRuleDirection.EXPENSE,
+            entryType = rule.entryType,
+            fundSourceType = rule.fundSourceType,
+            fundSourceName = resolveLedgerName(raw.channel, rule.fundSourceName, rule.fundSourceNameFromChannel),
+            fundTargetType = rule.fundTargetType,
+            fundTargetName = resolveLedgerName(raw.channel, rule.fundTargetName, rule.fundTargetNameFromChannel)
+                .ifBlank { if (rule.entryType == "expense") merchant else "" },
+            impactExpense = rule.impactExpense,
+            impactIncome = rule.impactIncome,
            note = content.take(200),
            autoCapture = rule.autoCapture,
        )
    }

+    private fun resolveLedgerName(channel: String?, configuredName: String?, fromChannel: Boolean): String {
+        if (fromChannel && !channel.isNullOrBlank()) return channel
+        return configuredName.orEmpty()
+    }
+
    private fun matchRule(
        raw: NotificationDb.RawNotification,
        text: String,
@@ -80,17 +109,25 @@ object NotificationRuleEngine {
        val keywordHit =
            rule.keywords.isEmpty() || rule.keywords.any { text.contains(it) }
        val requiredTextHit =
-            rule.requiredTextPatterns.isEmpty() || rule.requiredTextPatterns.any { text.contains(it) }
+            rule.requiredTextPatterns.isEmpty() ||
+                rule.requiredTextPatterns.any { text.contains(it) } ||
+                hasTransitRouteAmountFallback(rule, text)

        return channelHit && keywordHit && requiredTextHit
    }

+    private fun hasTransitRouteAmountFallback(rule: NotificationRuleDefinition, text: String): Boolean {
+        if (rule.id != "transit-card-expense") return false
+        return Regex("""[\u4e00-\u9fa5]{2,}\s*(?:-|->|→|至|到)\s*[\u4e00-\u9fa5]{2,}[：:]?\s*\d+(?:\.\d{1,2})?\s*(?:元|块|块钱)""")
+            .containsMatchIn(text)
+    }
+
    private fun extractAmount(text: String): Double {
        val normalized = text.replace(",", "").trim()
        val patterns = listOf(
            Regex("""(?:￥|¥|RMB|CNY|人民币)\s*(-?\d+(?:\.\d{1,2})?)""", RegexOption.IGNORE_CASE),
            Regex("""(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)"""),
-            Regex("""(?:金额|实付|扣费|扣款|消费|支出|收入|收款|到账|入账|转入|转出|支付|票价|车费|本次乘车)\D{0,8}?(-?\d+(?:\.\d{1,2})?)"""),
+            Regex("""(?:金额|实付|扣费|扣款|消费|支出|收入|收款|到账|入账|转入|转出|支付|票价|车费|本次乘车|充值)\D{0,8}?(-?\d+(?:\.\d{1,2})?)"""),
            Regex("""(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)?\s*(?:已支付|已收款|到账|入账)"""),
        )

--- a/scripts/rule-smoke.mjs
+++ b/scripts/rule-smoke.mjs
@@ -25,6 +25,56 @@ const cases = [
    verify(result) {
      assert.equal(result.rule?.id, 'transit-card-expense')
      assert.equal(result.transaction.amount, -2)
+      assert.equal(result.transaction.fundSourceType, 'stored_value')
+      assert.equal(result.transaction.impactExpense, true)
+    },
+  },
+  {
+    name: 'capture transit expense from route and fare only',
+    notification: {
+      id: 'n2b',
+      channel: '杭州通互联互通卡',
+      text: '武林广场->古荡：2.10元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'transit-card-expense')
+      assert.equal(result.transaction.amount, -2.1)
+      assert.equal(result.transaction.category, 'Transport')
+      assert.equal(result.transaction.fundSourceName, '杭州通互联互通卡')
+    },
+  },
+  {
+    name: 'capture stored value topup as transfer',
+    notification: {
+      id: 'n2c',
+      channel: '杭州通互联互通卡',
+      text: '充值成功20元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'stored-value-topup')
+      assert.equal(result.transaction.entryType, 'transfer')
+      assert.equal(result.transaction.category, 'Transfer')
+      assert.equal(result.transaction.amount, -20)
+      assert.equal(result.transaction.impactExpense, false)
+      assert.equal(result.transaction.fundTargetName, '杭州通互联互通卡')
+    },
+  },
+  {
+    name: 'capture stored value refund as transfer',
+    notification: {
+      id: 'n2d',
+      channel: '杭州通互联互通卡',
+      text: '退款成功5元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'stored-value-refund')
+      assert.equal(result.transaction.entryType, 'transfer')
+      assert.equal(result.transaction.amount, 5)
+      assert.equal(result.transaction.impactIncome, false)
+      assert.equal(result.transaction.fundSourceName, '杭州通互联互通卡')
    },
  },
  {
--- a/scripts/sync-notification-rules.mjs
+++ b/scripts/sync-notification-rules.mjs
@@ -1,4 +1,4 @@
-import fs from 'node:fs'
+import fs from 'node:fs'
 import path from 'node:path'
 import notificationRules from '../src/config/notificationRules.js'

@@ -28,6 +28,8 @@ const toKotlinRegex = (spec) => {
  return `Regex(${toKotlinString(spec.pattern)}${flags})`
 }

+const toOptionalString = (value) => (value ? toKotlinString(value) : 'null')
+
 const toRuleBlock = (rule) => `        NotificationRuleDefinition(
            id = ${toKotlinString(rule.id)},
            label = ${toKotlinString(rule.label)},
@@ -35,12 +37,19 @@ const toRuleBlock = (rule) => `        NotificationRuleDefinition(
            keywords = ${toKotlinStringList(rule.keywords)},
            requiredTextPatterns = ${toKotlinStringList(rule.requiredTextPatterns)},
            direction = NotificationRuleDirection.${rule.direction === 'income' ? 'INCOME' : 'EXPENSE'},
+            entryType = ${toKotlinString(rule.entryType || 'expense')},
+            fundSourceType = ${toKotlinString(rule.fundSourceType || 'cash')},
+            fundSourceName = ${toOptionalString(rule.fundSourceName)},
+            fundSourceNameFromChannel = ${rule.fundSourceNameFromChannel ? 'true' : 'false'},
+            fundTargetType = ${toKotlinString(rule.fundTargetType || 'merchant')},
+            fundTargetName = ${toOptionalString(rule.fundTargetName)},
+            fundTargetNameFromChannel = ${rule.fundTargetNameFromChannel ? 'true' : 'false'},
+            impactExpense = ${rule.impactExpense === false ? 'false' : 'true'},
+            impactIncome = ${rule.impactIncome ? 'true' : 'false'},
            defaultCategory = ${toKotlinString(rule.defaultCategory)},
            autoCapture = ${rule.autoCapture ? 'true' : 'false'},
            merchantPattern = ${toKotlinRegex(rule.merchantPattern)},
-            defaultMerchant = ${
-              rule.defaultMerchant ? toKotlinString(rule.defaultMerchant) : 'null'
-            },
+            defaultMerchant = ${toOptionalString(rule.defaultMerchant)},
        )`

 const content = `package com.echo.app.notification
--- a/src/config/aiStatus.js
+++ b/src/config/aiStatus.js
@@ -0,0 +1,28 @@
+export const AI_STATUS_META = {
+  running: {
+    label: 'AI 分类中',
+    icon: 'ph-circle-notch',
+    className: 'bg-amber-50 text-amber-700 border-amber-200',
+    iconClassName: 'animate-spin',
+  },
+  applied: {
+    label: 'AI 已补全',
+    icon: 'ph-sparkle',
+    className: 'bg-violet-50 text-violet-700 border-violet-200',
+    iconClassName: '',
+  },
+  suggested: {
+    label: 'AI 建议',
+    icon: 'ph-lightbulb',
+    className: 'bg-sky-50 text-sky-700 border-sky-200',
+    iconClassName: '',
+  },
+  failed: {
+    label: 'AI 失败',
+    icon: 'ph-warning',
+    className: 'bg-stone-100 text-stone-500 border-stone-200',
+    iconClassName: '',
+  },
+}
+
+export const getAiStatusMeta = (status) => AI_STATUS_META[status] || null
--- a/src/config/ledger.js
+++ b/src/config/ledger.js
@@ -0,0 +1,76 @@
+export const TRANSACTION_ENTRY_TYPES = [
+  { value: 'expense', label: '支出' },
+  { value: 'income', label: '收入' },
+  { value: 'transfer', label: '转账' },
+]
+
+export const ACCOUNT_TYPE_META = {
+  cash: { label: '现金账户' },
+  bank: { label: '银行卡' },
+  credit: { label: '信用账户' },
+  stored_value: { label: '储值账户' },
+  merchant: { label: '商户' },
+  income_source: { label: '收入来源' },
+  external: { label: '外部账户' },
+  unknown: { label: '未分类账户' },
+}
+
+export const STORED_VALUE_WALLET_KINDS = [
+  { value: 'transit', label: '交通卡 / 乘车码' },
+  { value: 'campus', label: '校园卡' },
+  { value: 'meal', label: '饭卡' },
+  { value: 'parking', label: '停车卡' },
+  { value: 'fuel', label: '加油卡' },
+  { value: 'toll', label: '通行卡' },
+  { value: 'gift', label: '礼品卡 / 会员储值' },
+  { value: 'other', label: '其他储值' },
+]
+
+export const DEFAULT_LEDGER_BY_ENTRY_TYPE = {
+  expense: {
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
+  },
+  income: {
+    entryType: 'income',
+    fundSourceType: 'income_source',
+    fundSourceName: '收入来源',
+    fundTargetType: 'cash',
+    fundTargetName: '现金账户',
+    impactExpense: false,
+    impactIncome: true,
+  },
+  transfer: {
+    entryType: 'transfer',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'stored_value',
+    fundTargetName: '储值账户',
+    impactExpense: false,
+    impactIncome: false,
+  },
+}
+
+export const getEntryTypeLabel = (value) =>
+  TRANSACTION_ENTRY_TYPES.find((item) => item.value === value)?.label || '记录'
+
+export const getAccountTypeLabel = (value) => ACCOUNT_TYPE_META[value]?.label || ACCOUNT_TYPE_META.unknown.label
+
+export const isStoredValueAccountType = (value) => value === 'stored_value'
+
+export const shouldCountAsExpense = (transaction) =>
+  transaction?.impactExpense !== false && transaction?.entryType !== 'transfer' && Number(transaction?.amount) < 0
+
+export const shouldCountAsIncome = (transaction) =>
+  transaction?.impactIncome !== false && transaction?.entryType !== 'transfer' && Number(transaction?.amount) > 0
+
+export const getTransferSummary = (transaction) => {
+  const source = transaction?.fundSourceName || getAccountTypeLabel(transaction?.fundSourceType)
+  const target = transaction?.fundTargetName || getAccountTypeLabel(transaction?.fundTargetType)
+  return `${source} → ${target}`
+}
--- a/src/config/notificationRules.js
+++ b/src/config/notificationRules.js
@@ -1,4 +1,22 @@
-const notificationRules = [
+const transitStoredValueChannels = [
+  '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',
+]
+
+const notificationRules = [
  {
    id: 'alipay-expense',
    label: '支付宝消费',
@@ -6,6 +24,13 @@
    keywords: ['支付', '扣款', '支出', '消费', '成功支付'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '支付宝余额',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Food',
    autoCapture: false,
    merchantPattern: {
@@ -21,6 +46,13 @@
    keywords: ['到账', '收入', '收款', '入账'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'cash',
+    fundTargetName: '支付宝余额',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -36,6 +68,13 @@
    keywords: ['支付', '支出', '扣款', '消费成功'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '微信余额',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Groceries',
    autoCapture: false,
    merchantPattern: {
@@ -51,6 +90,13 @@
    keywords: ['收款', '到账', '入账', '转入'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'cash',
+    fundTargetName: '微信余额',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -79,6 +125,13 @@
    keywords: ['工资', '薪资', '代发', '到账', '入账', '收入'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'bank',
+    fundTargetName: '银行卡',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -109,6 +162,13 @@
    keywords: ['支出', '消费', '扣款', '刷卡消费', '银联消费'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'bank',
+    fundSourceName: '银行卡',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Expense',
    autoCapture: false,
    merchantPattern: {
@@ -117,29 +177,61 @@
    },
    defaultMerchant: '',
  },
+  {
+    id: 'stored-value-topup',
+    label: '储值账户充值',
+    channels: transitStoredValueChannels,
+    keywords: ['充值', '充值成功', '充值到账', '钱包充值', '卡内充值'],
+    requiredTextPatterns: [],
+    direction: 'expense',
+    entryType: 'transfer',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'stored_value',
+    fundTargetName: '',
+    fundTargetNameFromChannel: true,
+    impactExpense: false,
+    impactIncome: false,
+    defaultCategory: 'Transfer',
+    autoCapture: true,
+    merchantPattern: null,
+    defaultMerchant: '储值账户充值',
+  },
+  {
+    id: 'stored-value-refund',
+    label: '储值账户退款',
+    channels: transitStoredValueChannels,
+    keywords: ['退款', '退资', '退卡', '余额退回', '退款成功'],
+    requiredTextPatterns: [],
+    direction: 'income',
+    entryType: 'transfer',
+    fundSourceType: 'stored_value',
+    fundSourceName: '',
+    fundSourceNameFromChannel: true,
+    fundTargetType: 'cash',
+    fundTargetName: '现金账户',
+    impactExpense: false,
+    impactIncome: false,
+    defaultCategory: 'Transfer',
+    autoCapture: true,
+    merchantPattern: null,
+    defaultMerchant: '储值账户退款',
+  },
  {
    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',
-    ],
+    channels: transitStoredValueChannels,
    keywords: [],
    requiredTextPatterns: ['扣费', '扣款', '支付', '乘车码', '车费', '票价', '本次乘车', '实付', '优惠后'],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'stored_value',
+    fundSourceName: '',
+    fundSourceNameFromChannel: true,
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Transport',
    autoCapture: true,
    merchantPattern: {
--- a/src/config/transactionCategories.js
+++ b/src/config/transactionCategories.js
@@ -47,6 +47,14 @@
    color: 'text-stone-600',
    budgetable: true,
  },
+  {
+    value: 'Transfer',
+    label: '转账',
+    icon: 'ph-arrows-left-right',
+    bg: 'bg-cyan-100',
+    color: 'text-cyan-700',
+    budgetable: false,
+  },
  {
    value: 'Income',
    label: '收入',
@@ -84,7 +92,6 @@ export const DEFAULT_CATEGORY_BUDGETS = BUDGET_CATEGORY_OPTIONS.reduce((acc, cat
  return acc
 }, {})

-export const getCategoryMeta = (category) =>
-  CATEGORY_META[category] || CATEGORY_META.Uncategorized
+export const getCategoryMeta = (category) => CATEGORY_META[category] || CATEGORY_META.Uncategorized

 export const getCategoryLabel = (category) => getCategoryMeta(category).label
--- a/src/lib/aiPrompt.js
+++ b/src/lib/aiPrompt.js
@@ -1,8 +1,92 @@
-import { TRANSACTION_CATEGORIES } from '../config/transactionCategories.js'
+import {
+  getCategoryLabel,
+  TRANSACTION_CATEGORIES,
+} from '../config/transactionCategories.js'
+import {
+  getTransferSummary,
+  shouldCountAsExpense,
+  shouldCountAsIncome,
+} from '../config/ledger.js'
 import { AI_TRANSACTION_TAGS } from '../config/transactionTags.js'

 const categoryValues = TRANSACTION_CATEGORIES.map((item) => item.value)

+const formatAmount = (value) => Number(value || 0).toFixed(2)
+
+const buildExpenseCategoryBreakdown = (transactions) => {
+  const categoryMap = new Map()
+
+  transactions.forEach((transaction) => {
+    if (!shouldCountAsExpense(transaction)) return
+    const category = transaction.category || 'Uncategorized'
+    const nextTotal = (categoryMap.get(category) || 0) + Math.abs(Number(transaction.amount) || 0)
+    categoryMap.set(category, nextTotal)
+  })
+
+  return Array.from(categoryMap.entries())
+    .sort((a, b) => b[1] - a[1])
+    .slice(0, 5)
+    .map(([category, total]) => ({
+      category,
+      label: getCategoryLabel(category),
+      total: Number(total.toFixed(2)),
+    }))
+}
+
+const buildTransferSample = (transactions) =>
+  transactions
+    .filter((transaction) => transaction.entryType === 'transfer')
+    .slice(0, 10)
+    .map((transaction) => ({
+      date: transaction.date,
+      amount: Number(transaction.amount || 0),
+      summary: getTransferSummary(transaction),
+      merchant: transaction.merchant || '',
+    }))
+
+const buildRecentTransactionSample = (transactions) =>
+  transactions.slice(0, 20).map((transaction) => ({
+    date: transaction.date,
+    merchant: transaction.merchant || 'Unknown',
+    amount: Number(transaction.amount || 0),
+    category: transaction.category || 'Uncategorized',
+    categoryLabel: getCategoryLabel(transaction.category || 'Uncategorized'),
+    note: transaction.note || '',
+    entryType: transaction.entryType || (transaction.amount >= 0 ? 'income' : 'expense'),
+    transferSummary: transaction.entryType === 'transfer' ? getTransferSummary(transaction) : '',
+    aiCategory: transaction.aiCategory || '',
+    aiTags: transaction.aiTags || [],
+  }))
+
+const buildLedgerSummary = (transactions = []) => {
+  const normalizedTransactions = [...transactions]
+    .sort((a, b) => new Date(b.date) - new Date(a.date))
+    .slice(0, 80)
+
+  const totalIncome = normalizedTransactions.reduce(
+    (sum, item) => (shouldCountAsIncome(item) ? sum + Number(item.amount || 0) : sum),
+    0,
+  )
+  const totalExpense = normalizedTransactions.reduce(
+    (sum, item) => (shouldCountAsExpense(item) ? sum + Math.abs(Number(item.amount || 0)) : sum),
+    0,
+  )
+
+  return {
+    currentDate: new Date().toISOString(),
+    transactionCount: normalizedTransactions.length,
+    expenseTransactionCount: normalizedTransactions.filter((item) => shouldCountAsExpense(item)).length,
+    incomeTransactionCount: normalizedTransactions.filter((item) => shouldCountAsIncome(item)).length,
+    transferTransactionCount: normalizedTransactions.filter((item) => item.entryType === 'transfer').length,
+    totalIncome: Number(formatAmount(totalIncome)),
+    totalExpense: Number(formatAmount(totalExpense)),
+    netBalance: Number(formatAmount(totalIncome - totalExpense)),
+    topExpenseCategories: buildExpenseCategoryBreakdown(normalizedTransactions),
+    recentTransfers: buildTransferSample(normalizedTransactions),
+    recentTransactions: buildRecentTransactionSample(normalizedTransactions),
+  }
+}
+
 export const buildTransactionEnrichmentMessages = ({ transaction, similarTransactions = [] }) => {
  const payload = {
    transaction: {
@@ -14,7 +98,7 @@ export const buildTransactionEnrichmentMessages = ({ transaction, similarTransac
      currentCategory: transaction.category || 'Uncategorized',
      date: transaction.date,
    },
-    categories: categoryValues,
+    categories: categoryValues.filter((value) => value !== 'Transfer'),
    tags: AI_TRANSACTION_TAGS,
    similarTransactions: similarTransactions.slice(0, 6).map((item) => ({
      merchant: item.aiNormalizedMerchant || item.merchant,
@@ -37,9 +121,39 @@ export const buildTransactionEnrichmentMessages = ({ transaction, similarTransac
  ]
 }

+export const buildFinanceChatMessages = ({ question, transactions = [], conversation = [] }) => {
+  const summary = buildLedgerSummary(transactions)
+  const history = conversation
+    .filter((item) => ['user', 'assistant'].includes(item.role) && item.content)
+    .slice(-6)
+    .map((item) => ({
+      role: item.role,
+      content: item.content,
+    }))
+
+  return [
+    {
+      role: 'system',
+      content:
+        '你是 Echo 记账应用里的 AI 财务顾问。你只能基于用户提供的本地账本摘要回答问题，不能编造不存在的交易。回答使用简体中文，先给结论，再给理由和建议。金额统一写成人民币元。充值储值卡、卡间转账等内部转移不算消费支出，分析时要和真实消费分开。若数据不足，要明确说明。',
+    },
+    {
+      role: 'system',
+      content: `以下是用户本地账本摘要 JSON：${JSON.stringify(summary)}`,
+    },
+    ...history,
+    {
+      role: 'user',
+      content: question,
+    },
+  ]
+}
+
 export const normalizeEnrichmentResult = (rawResult) => {
  const result = rawResult && typeof rawResult === 'object' ? rawResult : {}
-  const category = categoryValues.includes(result.category) ? result.category : 'Uncategorized'
+  const category = categoryValues.includes(result.category) && result.category !== 'Transfer'
+    ? result.category
+    : 'Uncategorized'
  const tags = Array.isArray(result.tags)
    ? result.tags.filter((tag) => AI_TRANSACTION_TAGS.includes(tag)).slice(0, 3)
    : []
--- a/src/lib/sqlite.js
+++ b/src/lib/sqlite.js
@@ -13,6 +13,13 @@ const TRANSACTION_TABLE_SQL = `
    date TEXT NOT NULL,
    note TEXT,
    sync_status INTEGER DEFAULT 0,
+    entry_type TEXT DEFAULT 'expense',
+    fund_source_type TEXT DEFAULT 'cash',
+    fund_source_name TEXT,
+    fund_target_type TEXT DEFAULT 'merchant',
+    fund_target_name TEXT,
+    impact_expense INTEGER DEFAULT 1,
+    impact_income INTEGER DEFAULT 0,
    ai_category TEXT,
    ai_tags TEXT,
    ai_confidence REAL,
@@ -33,6 +40,13 @@ const MERCHANT_PROFILE_TABLE_SQL = `
  );
 `
 const TRANSACTION_REQUIRED_COLUMNS = {
+  entry_type: "TEXT DEFAULT 'expense'",
+  fund_source_type: "TEXT DEFAULT 'cash'",
+  fund_source_name: 'TEXT',
+  fund_target_type: "TEXT DEFAULT 'merchant'",
+  fund_target_name: 'TEXT',
+  impact_expense: 'INTEGER DEFAULT 1',
+  impact_income: 'INTEGER DEFAULT 0',
  ai_category: 'TEXT',
  ai_tags: 'TEXT',
  ai_confidence: 'REAL',
--- a/src/services/ai/aiService.js
+++ b/src/services/ai/aiService.js
@@ -1,9 +1,13 @@
-import { buildTransactionEnrichmentMessages } from '../../lib/aiPrompt.js'
+import {
+  buildFinanceChatMessages,
+  buildTransactionEnrichmentMessages,
+} from '../../lib/aiPrompt.js'
 import { useSettingsStore } from '../../stores/settings.js'
 import {
  applyAiEnrichment,
  fetchRecentTransactionsForAi,
  markTransactionAiFailed,
+  markTransactionAiRunning,
 } from '../transactionService.js'
 import { DeepSeekProvider } from './deepseekProvider.js'

@@ -24,11 +28,13 @@ const createProvider = (settingsStore) => {
  })
 }

-export const isAiReady = (settingsStore = useSettingsStore()) =>
-  !!settingsStore.aiAutoCategoryEnabled && !!settingsStore.aiApiKey
+export const hasAiAccess = (settingsStore = useSettingsStore()) => !!settingsStore.aiApiKey

-export const maybeEnrichTransactionWithAi = async (transaction) => {
-  if (!transaction?.id) return transaction
+export const isAiReady = (settingsStore = useSettingsStore()) =>
+  !!settingsStore.aiAutoCategoryEnabled && hasAiAccess(settingsStore)
+
+export const maybeEnrichTransactionWithAi = async (transaction, options = {}) => {
+  if (!transaction?.id || transaction.entryType === 'transfer') return transaction

  const settingsStore = useSettingsStore()
  if (!isAiReady(settingsStore)) {
@@ -36,11 +42,16 @@ export const maybeEnrichTransactionWithAi = async (transaction) => {
  }

  try {
+    const running = await markTransactionAiRunning(transaction.id, settingsStore.aiModel)
+    if (running) {
+      options.onProgress?.(running)
+    }
+
    const provider = createProvider(settingsStore)
    const similarTransactions = await fetchRecentTransactionsForAi(6, transaction.id)
    const messages = buildTransactionEnrichmentMessages({
      transaction,
-      similarTransactions,
+      similarTransactions: similarTransactions.filter((item) => item.entryType !== 'transfer'),
    })
    const result = await provider.enrichTransaction({ messages })
    const threshold = clampThreshold(settingsStore.aiAutoApplyThreshold)
@@ -61,3 +72,19 @@ export const maybeEnrichTransactionWithAi = async (transaction) => {
    return failed || transaction
  }
 }
+
+export const askFinanceAssistant = async ({ question, transactions = [], conversation = [] }) => {
+  const settingsStore = useSettingsStore()
+  if (!hasAiAccess(settingsStore)) {
+    throw new Error('请先在设置页填写 DeepSeek API Key')
+  }
+
+  const provider = createProvider(settingsStore)
+  const messages = buildFinanceChatMessages({
+    question,
+    transactions,
+    conversation,
+  })
+
+  return provider.chat({ messages })
+}
--- a/src/services/ai/deepseekProvider.js
+++ b/src/services/ai/deepseekProvider.js
@@ -1,6 +1,17 @@
 import { normalizeEnrichmentResult } from '../../lib/aiPrompt.js'
 import { AiProvider } from './aiProvider.js'

+const extractMessageContent = (data) => {
+  const content = data?.choices?.[0]?.message?.content
+  if (Array.isArray(content)) {
+    return content
+      .map((item) => (typeof item?.text === 'string' ? item.text : ''))
+      .join('')
+      .trim()
+  }
+  return typeof content === 'string' ? content.trim() : ''
+}
+
 export class DeepSeekProvider extends AiProvider {
  constructor({ apiKey, baseUrl = 'https://api.deepseek.com', model = 'deepseek-chat' }) {
    super()
@@ -9,7 +20,7 @@ export class DeepSeekProvider extends AiProvider {
    this.model = model
  }

-  async enrichTransaction({ messages }) {
+  async createCompletion(payload) {
    if (!this.apiKey) {
      throw new Error('DeepSeek API key is required')
    }
@@ -22,9 +33,7 @@ export class DeepSeekProvider extends AiProvider {
      },
      body: JSON.stringify({
        model: this.model,
-        temperature: 0.2,
-        response_format: { type: 'json_object' },
-        messages,
+        ...payload,
      }),
    })

@@ -33,8 +42,17 @@ export class DeepSeekProvider extends AiProvider {
      throw new Error(`DeepSeek request failed: ${response.status} ${detail}`.trim())
    }

-    const data = await response.json()
-    const content = data?.choices?.[0]?.message?.content
+    return response.json()
+  }
+
+  async enrichTransaction({ messages }) {
+    const data = await this.createCompletion({
+      temperature: 0.2,
+      response_format: { type: 'json_object' },
+      messages,
+    })
+
+    const content = extractMessageContent(data)
    if (!content) {
      throw new Error('DeepSeek returned an empty response')
    }
@@ -52,4 +70,22 @@ export class DeepSeekProvider extends AiProvider {
      model: data?.model || this.model,
    }
  }
+
+  async chat({ messages, temperature = 0.6, maxTokens = 1200 }) {
+    const data = await this.createCompletion({
+      temperature,
+      max_tokens: maxTokens,
+      messages,
+    })
+
+    const content = extractMessageContent(data)
+    if (!content) {
+      throw new Error('DeepSeek returned an empty response')
+    }
+
+    return {
+      content,
+      model: data?.model || this.model,
+    }
+  }
 }
--- a/src/services/notificationRuleService.js
+++ b/src/services/notificationRuleService.js
@@ -1,4 +1,5 @@
-import notificationRulesSource from '../config/notificationRules.js'
+import { DEFAULT_LEDGER_BY_ENTRY_TYPE } from '../config/ledger.js'
+import notificationRulesSource from '../config/notificationRules.js'

 const fallbackRules = notificationRulesSource.map((rule) => ({
  ...rule,
@@ -10,13 +11,36 @@ const fallbackRules = notificationRulesSource.map((rule) => ({
 const amountPatterns = [
  /(?:￥|¥|RMB|CNY|人民币)\s*(-?\d+(?:\.\d{1,2})?)/i,
  /(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)/,
-  /(?:金额|实付|扣费|扣款|消费|支出|收入|收款|到账|入账|转入|转出|支付|票价|车费|本次乘车)\D{0,8}?(-?\d+(?:\.\d{1,2})?)/,
+  /(?:金额|实付|扣费|扣款|消费|支出|收入|收款|到账|入账|转入|转出|支付|票价|车费|本次乘车|充值)\D{0,8}?(-?\d+(?:\.\d{1,2})?)/,
  /(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)?\s*(?:已支付|已收款|到账|入账)/,
 ]

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

+const buildLedgerPayload = (rule, notification, merchant) => {
+  const entryType = rule?.entryType || 'expense'
+  const defaults = DEFAULT_LEDGER_BY_ENTRY_TYPE[entryType] || DEFAULT_LEDGER_BY_ENTRY_TYPE.expense
+  const channelName = notification?.channel || ''
+
+  const resolveName = (field, fromChannelFlag) => {
+    if (rule?.[fromChannelFlag] && channelName) return channelName
+    return rule?.[field] || defaults[field] || ''
+  }
+
+  return {
+    entryType,
+    fundSourceType: rule?.fundSourceType || defaults.fundSourceType,
+    fundSourceName: resolveName('fundSourceName', 'fundSourceNameFromChannel'),
+    fundTargetType: rule?.fundTargetType || defaults.fundTargetType,
+    fundTargetName:
+      resolveName('fundTargetName', 'fundTargetNameFromChannel') ||
+      (entryType === 'expense' ? merchant : defaults.fundTargetName),
+    impactExpense: rule?.impactExpense ?? defaults.impactExpense,
+    impactIncome: rule?.impactIncome ?? defaults.impactIncome,
+  }
+}
+
 const buildEmptyTransaction = (notification, options = {}) => ({
  id: options.id,
  merchant: options.merchant || 'Unknown',
@@ -25,6 +49,7 @@ const buildEmptyTransaction = (notification, options = {}) => ({
  date: new Date(options.date || notification?.createdAt || new Date().toISOString()).toISOString(),
  note: notification?.text || '',
  syncStatus: 'pending',
+  ...DEFAULT_LEDGER_BY_ENTRY_TYPE.expense,
 })

 export const setRemoteRuleFetcher = (fetcher) => {
@@ -78,6 +103,13 @@ const looksLikeAmount = (raw = '') => {
  return /^[-\d.,]+\s*(?:元|块|块钱|¥|￥|人民币)?$/i.test(value)
 }

+const hasTransitRouteAmountFallback = (rule, text = '') => {
+  if (rule?.id !== 'transit-card-expense') return false
+  return /[\u4e00-\u9fa5]{2,}\s*(?:-|->|→|至|到)\s*[\u4e00-\u9fa5]{2,}[：:]?\s*\d+(?:\.\d{1,2})?\s*(?:元|块|块钱)/.test(
+    text,
+  )
+}
+
 const extractMerchant = (text, rule) => {
  const content = text || ''

@@ -134,7 +166,8 @@ const matchRule = (notification, rule) => {
  const keywordHit = !rule.keywords?.length || rule.keywords.some((word) => text.includes(word))
  const requiredTextHit =
    !rule.requiredTextPatterns?.length ||
-    rule.requiredTextPatterns.some((word) => text.includes(word))
+    rule.requiredTextPatterns.some((word) => text.includes(word)) ||
+    hasTransitRouteAmountFallback(rule, text)

  return channelHit && keywordHit && requiredTextHit
 }
@@ -161,8 +194,7 @@ export const transformNotificationToTransaction = (notification, options = {}) =
  }

  const direction = options.direction || rule.direction || 'expense'
-  const normalizedAmount =
-    direction === 'income' ? Math.abs(amountFromText) : -Math.abs(amountFromText)
+  const normalizedAmount = direction === 'income' ? Math.abs(amountFromText) : -Math.abs(amountFromText)

  let merchant = options.merchant || extractMerchant(notification?.text || '', rule) || 'Unknown'
  if (merchant === 'Unknown' && rule.defaultMerchant) {
@@ -170,6 +202,7 @@ export const transformNotificationToTransaction = (notification, options = {}) =
  }

  const date = options.date || notification?.createdAt || new Date().toISOString()
+  const ledger = buildLedgerPayload(rule, notification, merchant)

  const transaction = {
    id: options.id,
@@ -179,6 +212,7 @@ export const transformNotificationToTransaction = (notification, options = {}) =
    date: new Date(date).toISOString(),
    note: notification?.text || '',
    syncStatus: 'pending',
+    ...ledger,
  }

  const requiresConfirmation =
--- a/src/services/transactionService.js
+++ b/src/services/transactionService.js
@@ -1,4 +1,8 @@
-import { v4 as uuidv4 } from 'uuid'
+import { v4 as uuidv4 } from 'uuid'
+import {
+  DEFAULT_LEDGER_BY_ENTRY_TYPE,
+  getAccountTypeLabel,
+} from '../config/ledger.js'
 import { getDb, saveDbToStore } from '../lib/sqlite'

 const statusMap = {
@@ -15,6 +19,13 @@ const TRANSACTION_SELECT_FIELDS = `
  date,
  note,
  sync_status,
+  entry_type,
+  fund_source_type,
+  fund_source_name,
+  fund_target_type,
+  fund_target_name,
+  impact_expense,
+  impact_income,
  ai_category,
  ai_tags,
  ai_confidence,
@@ -31,7 +42,7 @@ const normalizeStatus = (value) => {
 }

 const normalizeAiStatus = (value) => {
-  if (['applied', 'suggested', 'failed'].includes(value)) {
+  if (['running', 'applied', 'suggested', 'failed'].includes(value)) {
    return value
  }
  return 'idle'
@@ -47,22 +58,68 @@ const parseAiTags = (value) => {
  }
 }

-const mapRow = (row) => ({
-  id: row.id,
-  amount: Number(row.amount),
-  merchant: row.merchant,
-  category: row.category || 'Uncategorized',
-  date: row.date,
-  note: row.note || '',
-  syncStatus: normalizeStatus(row.sync_status),
-  aiCategory: row.ai_category || '',
-  aiTags: parseAiTags(row.ai_tags),
-  aiConfidence: typeof row.ai_confidence === 'number' ? row.ai_confidence : Number(row.ai_confidence || 0),
-  aiReason: row.ai_reason || '',
-  aiStatus: normalizeAiStatus(row.ai_status),
-  aiModel: row.ai_model || '',
-  aiNormalizedMerchant: row.ai_normalized_merchant || '',
-})
+const normalizeFlag = (value, fallback = false) => {
+  if (value === 1 || value === true || value === '1') return true
+  if (value === 0 || value === false || value === '0') return false
+  return fallback
+}
+
+const inferEntryTypeFromAmount = (amount) => (Number(amount) >= 0 ? 'income' : 'expense')
+
+const buildLedgerDefaults = (payload = {}, existing = null) => {
+  const entryType = payload.entryType || existing?.entryType || inferEntryTypeFromAmount(payload.amount ?? existing?.amount ?? 0)
+  const defaults = DEFAULT_LEDGER_BY_ENTRY_TYPE[entryType] || DEFAULT_LEDGER_BY_ENTRY_TYPE.expense
+
+  return {
+    entryType,
+    fundSourceType: payload.fundSourceType || existing?.fundSourceType || defaults.fundSourceType,
+    fundSourceName:
+      payload.fundSourceName ||
+      existing?.fundSourceName ||
+      defaults.fundSourceName ||
+      getAccountTypeLabel(defaults.fundSourceType),
+    fundTargetType: payload.fundTargetType || existing?.fundTargetType || defaults.fundTargetType,
+    fundTargetName:
+      payload.fundTargetName ||
+      existing?.fundTargetName ||
+      defaults.fundTargetName ||
+      getAccountTypeLabel(defaults.fundTargetType),
+    impactExpense:
+      payload.impactExpense ?? existing?.impactExpense ?? defaults.impactExpense ?? entryType === 'expense',
+    impactIncome:
+      payload.impactIncome ?? existing?.impactIncome ?? defaults.impactIncome ?? entryType === 'income',
+  }
+}
+
+const mapRow = (row) => {
+  const aiConfidenceValue = Number(row.ai_confidence)
+  const entryType = row.entry_type || inferEntryTypeFromAmount(row.amount)
+  const defaults = DEFAULT_LEDGER_BY_ENTRY_TYPE[entryType] || DEFAULT_LEDGER_BY_ENTRY_TYPE.expense
+
+  return {
+    id: row.id,
+    amount: Number(row.amount),
+    merchant: row.merchant,
+    category: row.category || 'Uncategorized',
+    date: row.date,
+    note: row.note || '',
+    syncStatus: normalizeStatus(row.sync_status),
+    entryType,
+    fundSourceType: row.fund_source_type || defaults.fundSourceType,
+    fundSourceName: row.fund_source_name || defaults.fundSourceName || '',
+    fundTargetType: row.fund_target_type || defaults.fundTargetType,
+    fundTargetName: row.fund_target_name || defaults.fundTargetName || '',
+    impactExpense: normalizeFlag(row.impact_expense, defaults.impactExpense),
+    impactIncome: normalizeFlag(row.impact_income, defaults.impactIncome),
+    aiCategory: row.ai_category || '',
+    aiTags: parseAiTags(row.ai_tags),
+    aiConfidence: Number.isFinite(aiConfidenceValue) ? aiConfidenceValue : 0,
+    aiReason: row.ai_reason || '',
+    aiStatus: normalizeAiStatus(row.ai_status),
+    aiModel: row.ai_model || '',
+    aiNormalizedMerchant: row.ai_normalized_merchant || '',
+  }
+}

 const getMerchantKey = (merchant) =>
  String(merchant || '')
@@ -190,19 +247,37 @@ export const fetchRecentTransactionsForAi = async (limit = 6, excludeId = '') =>
 export const insertTransaction = async (payload) => {
  const db = await getDb()
  const id = payload.id || uuidv4()
+  const amount = Number(payload.amount)
+  const ledger = buildLedgerDefaults(payload)
  const sanitized = {
    merchant: payload.merchant?.trim() || 'Unknown',
    category: payload.category?.trim() || 'Uncategorized',
    note: payload.note?.trim() || '',
    date: payload.date,
-    amount: Number(payload.amount),
+    amount,
    syncStatus: statusMap[payload.syncStatus] ?? statusMap.pending,
+    ...ledger,
  }

  await db.run(
    `
-      INSERT INTO transactions (id, amount, merchant, category, date, note, sync_status)
-      VALUES (?, ?, ?, ?, ?, ?, ?)
+      INSERT INTO transactions (
+        id,
+        amount,
+        merchant,
+        category,
+        date,
+        note,
+        sync_status,
+        entry_type,
+        fund_source_type,
+        fund_source_name,
+        fund_target_type,
+        fund_target_name,
+        impact_expense,
+        impact_income
+      )
+      VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
    `,
    [
      id,
@@ -212,6 +287,13 @@ export const insertTransaction = async (payload) => {
      sanitized.date,
      sanitized.note || null,
      sanitized.syncStatus,
+      sanitized.entryType,
+      sanitized.fundSourceType,
+      sanitized.fundSourceName || null,
+      sanitized.fundTargetType,
+      sanitized.fundTargetName || null,
+      sanitized.impactExpense ? 1 : 0,
+      sanitized.impactIncome ? 1 : 0,
    ],
  )

@@ -232,20 +314,31 @@ export const insertTransaction = async (payload) => {
 }

 export const updateTransaction = async (payload) => {
+  const existing = await getTransactionById(payload.id)
+  if (!existing) return null
+
  const db = await getDb()
+  const ledger = buildLedgerDefaults(payload, existing)
  await db.run(
    `
      UPDATE transactions
-      SET amount = ?, merchant = ?, category = ?, date = ?, note = ?, sync_status = ?
+      SET amount = ?, merchant = ?, category = ?, date = ?, note = ?, sync_status = ?, entry_type = ?, fund_source_type = ?, fund_source_name = ?, fund_target_type = ?, fund_target_name = ?, impact_expense = ?, impact_income = ?
      WHERE id = ?
    `,
    [
      Number(payload.amount),
-      payload.merchant?.trim() || 'Unknown',
-      payload.category?.trim() || 'Uncategorized',
+      payload.merchant?.trim() || existing.merchant || 'Unknown',
+      payload.category?.trim() || existing.category || 'Uncategorized',
      payload.date,
      payload.note?.trim() || null,
      statusMap[payload.syncStatus] ?? statusMap.pending,
+      ledger.entryType,
+      ledger.fundSourceType,
+      ledger.fundSourceName || null,
+      ledger.fundTargetType,
+      ledger.fundTargetName || null,
+      ledger.impactExpense ? 1 : 0,
+      ledger.impactIncome ? 1 : 0,
      payload.id,
    ],
  )
@@ -254,6 +347,21 @@ export const updateTransaction = async (payload) => {
  return getTransactionById(payload.id)
 }

+export const markTransactionAiRunning = async (transactionId, model = '') => {
+  const db = await getDb()
+  await db.run(
+    `
+      UPDATE transactions
+      SET ai_status = ?, ai_model = ?, ai_reason = ?
+      WHERE id = ?
+    `,
+    ['running', model || null, null, transactionId],
+  )
+
+  await saveDbToStore()
+  return getTransactionById(transactionId)
+}
+
 export const applyAiEnrichment = async (transactionId, enrichment, options = {}) => {
  const existing = await getTransactionById(transactionId)
  if (!existing) return null
@@ -282,7 +390,10 @@ export const applyAiEnrichment = async (transactionId, enrichment, options = {})
    ],
  )

-  if (!options.skipMerchantProfile && (enrichment.normalizedMerchant || enrichment.category || enrichment.tags?.length)) {
+  if (
+    !options.skipMerchantProfile &&
+    (enrichment.normalizedMerchant || enrichment.category || enrichment.tags?.length)
+  ) {
    await upsertMerchantProfile({
      merchant: existing.merchant,
      normalizedMerchant: enrichment.normalizedMerchant,
--- a/src/stores/transactions.js
+++ b/src/stores/transactions.js
@@ -1,5 +1,6 @@
-import { defineStore } from 'pinia'
+import { defineStore } from 'pinia'
 import { computed, ref } from 'vue'
+import { shouldCountAsExpense, shouldCountAsIncome } from '../config/ledger.js'
 import { maybeEnrichTransactionWithAi } from '../services/ai/aiService.js'
 import {
  deleteTransaction,
@@ -52,19 +53,19 @@ export const useTransactionStore = defineStore(
    })

    const totalExpense = computed(() =>
-      sortedTransactions.value.reduce((sum, tx) => (tx.amount < 0 ? sum + tx.amount : sum), 0),
+      sortedTransactions.value.reduce((sum, tx) => (shouldCountAsExpense(tx) ? sum + tx.amount : sum), 0),
    )

    const totalIncome = computed(() =>
-      sortedTransactions.value.reduce((sum, tx) => (tx.amount > 0 ? sum + tx.amount : sum), 0),
+      sortedTransactions.value.reduce((sum, tx) => (shouldCountAsIncome(tx) ? sum + tx.amount : sum), 0),
    )

    const todaysExpense = computed(() =>
-      todaysTransactions.value.reduce((sum, tx) => (tx.amount < 0 ? sum + tx.amount : sum), 0),
+      todaysTransactions.value.reduce((sum, tx) => (shouldCountAsExpense(tx) ? sum + tx.amount : sum), 0),
    )

    const todaysIncome = computed(() =>
-      todaysTransactions.value.reduce((sum, tx) => (tx.amount > 0 ? sum + tx.amount : sum), 0),
+      todaysTransactions.value.reduce((sum, tx) => (shouldCountAsIncome(tx) ? sum + tx.amount : sum), 0),
    )

    const latestTransactions = computed(() => sortedTransactions.value.slice(0, 5))
@@ -90,7 +91,7 @@ export const useTransactionStore = defineStore(
          dayKey,
          label: formatDayLabel(dayKey),
          totalExpense: records
-            .filter((tx) => tx.amount < 0)
+            .filter((tx) => shouldCountAsExpense(tx))
            .reduce((sum, tx) => sum + Math.abs(tx.amount), 0),
          items: records,
        }))
@@ -117,10 +118,21 @@ export const useTransactionStore = defineStore(
      }
    }

+    const upsertTransaction = (nextTransaction) => {
+      transactions.value = replaceTransaction(transactions.value, nextTransaction)
+    }
+
    const enrichTransactionInBackground = async (transaction) => {
-      const enriched = await maybeEnrichTransactionWithAi(transaction)
+      const enriched = await maybeEnrichTransactionWithAi(transaction, {
+        onProgress: (nextTransaction) => {
+          if (nextTransaction?.id === transaction.id) {
+            upsertTransaction(nextTransaction)
+          }
+        },
+      })
+
      if (!enriched || enriched.id !== transaction.id) return
-      transactions.value = replaceTransaction(transactions.value, enriched)
+      upsertTransaction(enriched)
    }

    const addTransaction = async (payload) => {
@@ -141,7 +153,7 @@ export const useTransactionStore = defineStore(
      }
      const updated = await updateTransaction(normalized)
      if (updated) {
-        transactions.value = replaceTransaction(transactions.value, updated)
+        upsertTransaction(updated)
        void enrichTransactionInBackground(updated)
      }
      return updated
--- a/src/stores/ui.js
+++ b/src/stores/ui.js
@@ -1,7 +1,7 @@
 import { defineStore } from 'pinia'
 import { ref } from 'vue'

-// 负责全局 UI 状态，例如新增记录的底部弹窗
+// 管理全局 UI 状态，例如记一笔弹层的开关和当前编辑项。
 export const useUiStore = defineStore('ui', () => {
  const addEntryVisible = ref(false)
  const editingTransactionId = ref('')
@@ -23,4 +23,3 @@ export const useUiStore = defineStore('ui', () => {
    closeAddEntry,
  }
 })
-
--- a/src/types/transaction.d.ts
+++ b/src/types/transaction.d.ts
@@ -1,4 +1,4 @@
-export interface Transaction {
+export interface Transaction {
  id: string;
  amount: number;
  merchant: string;
@@ -6,11 +6,18 @@ export interface Transaction {
  date: string;
  note?: string;
  syncStatus: 'pending' | 'synced' | 'error';
+  entryType?: 'expense' | 'income' | 'transfer';
+  fundSourceType?: 'cash' | 'bank' | 'credit' | 'stored_value' | 'merchant' | 'income_source' | 'external' | 'unknown';
+  fundSourceName?: string;
+  fundTargetType?: 'cash' | 'bank' | 'credit' | 'stored_value' | 'merchant' | 'income_source' | 'external' | 'unknown';
+  fundTargetName?: string;
+  impactExpense?: boolean;
+  impactIncome?: boolean;
  aiCategory?: string;
  aiTags?: string[];
  aiConfidence?: number;
  aiReason?: string;
-  aiStatus?: 'idle' | 'applied' | 'suggested' | 'failed';
+  aiStatus?: 'idle' | 'running' | 'applied' | 'suggested' | 'failed';
  aiModel?: string;
  aiNormalizedMerchant?: string;
 }
--- a/src/views/AddEntryView.vue
+++ b/src/views/AddEntryView.vue
@@ -217,7 +217,7 @@ const sheetStyle = computed(() => {
          input-class="text-2xl font-bold"
        >
          <template #prefix>
-            <span class="text-stone-400 text-sm">楼</span>
+            <span class="text-stone-400 text-sm">¥</span>
          </template>
        </EchoInput>

--- a/src/views/AnalysisView.vue
+++ b/src/views/AnalysisView.vue
@@ -1,5 +1,102 @@
 <script setup>
-// 分析页当前仍是占位页，先展示未来 AI 财务顾问的交互方向。
+import { computed, ref } from 'vue'
+import { storeToRefs } from 'pinia'
+import { askFinanceAssistant, hasAiAccess } from '../services/ai/aiService.js'
+import { useSettingsStore } from '../stores/settings.js'
+import { useTransactionStore } from '../stores/transactions.js'
+
+const settingsStore = useSettingsStore()
+const transactionStore = useTransactionStore()
+const { sortedTransactions } = storeToRefs(transactionStore)
+
+const prompt = ref('')
+const sending = ref(false)
+let messageSeed = 0
+
+const quickPrompts = [
+  '帮我总结这周花钱最多的三类项目。',
+  '最近有哪些支出值得我留意？',
+  '我这个月的餐饮支出高吗？',
+]
+
+const createMessage = (role, content, extra = {}) => ({
+  id: `msg-${Date.now()}-${messageSeed += 1}`,
+  role,
+  content,
+  ...extra,
+})
+
+const messages = ref([
+  createMessage(
+    'assistant',
+    '可以直接问我账本问题，比如“这周花钱最多的三类项目是什么？”或“最近有哪些支出值得注意？”。',
+  ),
+])
+
+const aiReady = computed(() => hasAiAccess(settingsStore))
+const hasTransactions = computed(() => sortedTransactions.value.length > 0)
+const canSend = computed(() => !!prompt.value.trim() && !sending.value)
+
+const replaceMessage = (messageId, nextMessage) => {
+  messages.value = messages.value.map((item) => (item.id === messageId ? nextMessage : item))
+}
+
+const sendPrompt = async (rawPrompt = prompt.value) => {
+  const question = String(rawPrompt || '').trim()
+  if (!question || sending.value) return
+
+  const conversation = messages.value
+    .filter((item) => !item.pending)
+    .slice(-6)
+    .map(({ role, content }) => ({ role, content }))
+
+  messages.value.push(createMessage('user', question))
+  prompt.value = ''
+
+  if (!aiReady.value) {
+    messages.value.push(
+      createMessage('assistant', '先去设置页填写 DeepSeek API Key，然后这里就可以直接对话。'),
+    )
+    return
+  }
+
+  const pendingMessage = createMessage('assistant', '正在整理本地账本并生成回答...', {
+    pending: true,
+  })
+  messages.value.push(pendingMessage)
+  sending.value = true
+
+  try {
+    const result = await askFinanceAssistant({
+      question,
+      transactions: sortedTransactions.value,
+      conversation,
+    })
+    replaceMessage(pendingMessage.id, createMessage('assistant', result.content))
+  } catch (error) {
+    replaceMessage(
+      pendingMessage.id,
+      createMessage('assistant', error?.message || 'AI 请求失败，请稍后重试。'),
+    )
+  } finally {
+    sending.value = false
+  }
+}
+
+const handleQuickPrompt = (value) => {
+  void sendPrompt(value)
+}
+
+const handleSubmit = () => {
+  void sendPrompt()
+}
+
+const handleKeydown = (event) => {
+  if (event.key === 'Enter' && !event.shiftKey) {
+    event.preventDefault()
+    void sendPrompt()
+  }
+}
 </script>

 <template>
@@ -12,71 +109,89 @@
      </div>
      <div>
        <h2 class="text-xl font-extrabold text-stone-800">AI 财务顾问</h2>
-        <p class="text-xs text-stone-400">即将接入对话分析与自动分类</p>
+        <p class="text-xs text-stone-400">直接基于本地账本和 DeepSeek 对话分析。</p>
      </div>
    </div>

-    <div class="flex-1 overflow-y-auto space-y-5 pr-1 pb-2">
-      <div class="flex gap-3">
-        <div
-          class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
-        >
-          <i class="ph-fill ph-robot" />
-        </div>
-        <div
-          class="bg-white p-4 rounded-2xl rounded-tl-none shadow-sm border border-stone-100 text-sm text-stone-600 leading-relaxed max-w-[85%]"
-        >
-          <p>我已经整理了你最近 30 天的消费记录。</p>
-          <div class="mt-3 bg-stone-50 rounded-xl p-3 border border-stone-100">
-            <div class="flex items-center gap-2 mb-2">
-              <i class="ph-fill ph-chart-line text-orange-400" />
-              <span class="font-bold text-stone-700 text-xs">本月摘要</span>
-            </div>
-            <p class="text-xs">
-              餐饮与通勤是主要支出来源，夜间消费频率明显高于白天，预算消耗速度偏快。
-            </p>
+    <div class="grid grid-cols-2 gap-3 mb-4">
+      <div class="bg-white rounded-2xl border border-stone-100 p-4 shadow-sm">
+        <p class="text-[11px] font-bold text-stone-400">账本样本</p>
+        <p class="text-lg font-extrabold text-stone-800 mt-1">{{ sortedTransactions.length }}</p>
+        <p class="text-[11px] text-stone-400 mt-1">聊天时会带上最近 80 条记录摘要</p>
+      </div>
+      <div class="bg-white rounded-2xl border border-stone-100 p-4 shadow-sm">
+        <p class="text-[11px] font-bold text-stone-400">AI 状态</p>
+        <p class="text-lg font-extrabold mt-1" :class="aiReady ? 'text-emerald-600' : 'text-amber-600'">
+          {{ aiReady ? '已连接' : '待配置' }}
+        </p>
+        <p class="text-[11px] text-stone-400 mt-1">
+          {{ aiReady ? '使用设置页里的 DeepSeek Key 直接调用。' : '先去设置页填写 DeepSeek API Key。' }}
+        </p>
+      </div>
+    </div>
+
+    <div class="flex gap-2 flex-wrap mb-4">
+      <button
+        v-for="item in quickPrompts"
+        :key="item"
+        class="px-3 py-2 rounded-full bg-white border border-stone-100 text-xs font-bold text-stone-600 shadow-sm"
+        @click="handleQuickPrompt(item)"
+      >
+        {{ item }}
+      </button>
+    </div>
+
+    <div v-if="!hasTransactions" class="mb-4 rounded-2xl border border-amber-200 bg-amber-50 px-4 py-3 text-sm text-amber-700">
+      当前还没有账本记录。聊天功能可以使用，但回答只会提示你先开始记账。
+    </div>
+
+    <div class="flex-1 overflow-y-auto space-y-4 pr-1 pb-2">
+      <div
+        v-for="message in messages"
+        :key="message.id"
+        class="flex gap-3"
+        :class="message.role === 'user' ? 'justify-end' : 'justify-start'"
+      >
+        <template v-if="message.role === 'assistant'">
+          <div
+            class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
+          >
+            <i :class="['ph-fill', message.pending ? 'ph-circle-notch animate-spin' : 'ph-robot']" />
          </div>
-          <p class="mt-3">下一步会支持自动分类、标签建议、异常支出提醒和自然语言问答。</p>
-        </div>
-      </div>
+        </template>

-      <div class="flex gap-3 flex-row-reverse">
        <div
-          class="bg-stone-700 text-white p-4 rounded-2xl rounded-tr-none shadow-lg text-sm max-w-[85%]"
+          :class="[
+            'max-w-[85%] rounded-2xl p-4 text-sm leading-relaxed shadow-sm',
+            message.role === 'user'
+              ? 'bg-stone-800 text-white rounded-tr-none'
+              : 'bg-white border border-stone-100 text-stone-700 rounded-tl-none',
+          ]"
        >
-          帮我总结这周花钱最多的三类项目。
-        </div>
-      </div>
-
-      <div class="flex gap-3">
-        <div
-          class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
-        >
-          <i class="ph-fill ph-robot" />
-        </div>
-        <div
-          class="bg-white p-4 rounded-2xl rounded-tl-none shadow-sm border border-stone-100 text-sm text-stone-600 leading-relaxed max-w-[85%]"
-        >
-          <p>示例输出会像这样：</p>
-          <ul class="list-disc list-inside text-xs space-y-1 marker:text-orange-400 mt-2">
-            <li>餐饮：¥428，集中在晚餐和外卖。</li>
-            <li>通勤：¥156，工作日为主。</li>
-            <li>一般支出：¥98，主要是零碎网购和订阅扣费。</li>
-          </ul>
+          <p class="whitespace-pre-wrap">{{ message.content }}</p>
        </div>
      </div>
    </div>

-    <div class="mt-2 relative shrink-0">
-      <input
-        type="text"
-        placeholder="输入想分析的问题..."
-        class="w-full pl-5 pr-12 py-3.5 rounded-full bg-white border border-stone-100 focus:outline-none focus:border-orange-300 focus:ring-4 focus:ring-orange-50 transition text-sm shadow-sm text-stone-700 font-medium placeholder-stone-300"
+    <div class="mt-3 relative shrink-0">
+      <textarea
+        v-model="prompt"
+        rows="2"
+        placeholder="输入你的账本问题，例如：这周哪里花得最多？"
+        class="w-full pl-5 pr-14 py-3.5 rounded-3xl bg-white border border-stone-100 focus:outline-none focus:border-orange-300 focus:ring-4 focus:ring-orange-50 transition text-sm shadow-sm text-stone-700 font-medium placeholder-stone-300 resize-none"
+        @keydown="handleKeydown"
      />
      <button
-        class="absolute right-2 top-2 w-9 h-9 bg-gradient-warm text-white rounded-full flex items-center justify-center hover:scale-105 transition shadow-md"
+        class="absolute right-3 bottom-3 w-10 h-10 rounded-full flex items-center justify-center transition shadow-md"
+        :class="
+          canSend && aiReady
+            ? 'bg-gradient-warm text-white'
+            : 'bg-stone-200 text-stone-400 cursor-not-allowed'
+        "
+        :disabled="!canSend || !aiReady"
+        @click="handleSubmit"
      >
-        <i class="ph-bold ph-arrow-up" />
+        <i :class="['ph-bold', sending ? 'ph-circle-notch animate-spin' : 'ph-arrow-up']" />
      </button>
    </div>
  </div>
--- a/src/views/HomeView.vue
+++ b/src/views/HomeView.vue
@@ -7,6 +7,12 @@ import { useTransactionStore } from '../stores/transactions'
 import { useTransactionEntry } from '../composables/useTransactionEntry'
 import { useSettingsStore } from '../stores/settings'
 import { useUiStore } from '../stores/ui'
+import { getAiStatusMeta } from '../config/aiStatus.js'
+import {
+  getEntryTypeLabel,
+  getTransferSummary,
+  isStoredValueAccountType,
+} from '../config/ledger.js'
 import { getCategoryLabel, getCategoryMeta } from '../config/transactionCategories.js'
 import { bootstrapApp } from '../services/appBootstrap.js'

@@ -14,8 +20,14 @@ const router = useRouter()
 const transactionStore = useTransactionStore()
 const settingsStore = useSettingsStore()
 const uiStore = useUiStore()
-const { totalIncome, totalExpense, todaysIncome, todaysExpense, latestTransactions, sortedTransactions } =
-  storeToRefs(transactionStore)
+const {
+  totalIncome,
+  totalExpense,
+  todaysIncome,
+  todaysExpense,
+  latestTransactions,
+  sortedTransactions,
+} = storeToRefs(transactionStore)
 const { notifications, confirmNotification, dismissNotification, processingId, syncNotifications } =
  useTransactionEntry()

@@ -27,7 +39,6 @@ onMounted(async () => {
  await syncNotifications()

  try {
-    // App 回到前台时，刷新本地账本和待处理通知。
    appStateListener = await App.addListener('appStateChange', async ({ isActive }) => {
      if (isActive) {
        await transactionStore.hydrateTransactions()
@@ -88,7 +99,7 @@ const periodExpense = computed(() => {
  if (cycle === 'none' || !start) return totalExpense.value || 0

  return (sortedTransactions.value || []).reduce((sum, tx) => {
-    if (tx.amount >= 0) return sum
+    if (tx.amount >= 0 || tx.impactExpense === false) return sum
    return new Date(tx.date) >= start ? sum + tx.amount : sum
  }, 0)
 })
@@ -123,6 +134,55 @@ const formatTime = (value) =>
    new Date(value),
  )

+const resolveAiBadge = (transaction) => {
+  if (!transaction?.aiStatus || ['idle', 'failed'].includes(transaction.aiStatus)) {
+    return null
+  }
+  return getAiStatusMeta(transaction.aiStatus)
+}
+
+const resolveLedgerBadge = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return {
+      label: getEntryTypeLabel(transaction.entryType),
+      icon: 'ph-arrows-left-right',
+      className: 'bg-cyan-50 text-cyan-700 border-cyan-200',
+    }
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return {
+      label: '储值支付',
+      icon: 'ph-wallet',
+      className: 'bg-teal-50 text-teal-700 border-teal-200',
+    }
+  }
+  return null
+}
+
+const formatLedgerHint = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return getTransferSummary(transaction)
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return `从${transaction.fundSourceName || '储值账户'}扣款`
+  }
+  return ''
+}
+
+const formatAiHint = (transaction) => {
+  if (transaction.aiStatus === 'running') {
+    return '正在补全分类与标签'
+  }
+  if (transaction.aiStatus === 'suggested' && transaction.aiCategory) {
+    return `建议分类：${getCategoryLabel(transaction.aiCategory)}`
+  }
+  if (transaction.aiStatus === 'applied') {
+    const tags = (transaction.aiTags || []).slice(0, 2).join(' · ')
+    return tags ? `已补全：${tags}` : '已完成自动补全'
+  }
+  return ''
+}
+
 const goSettings = () => {
  router.push({ name: 'settings' })
 }
@@ -275,9 +335,39 @@ const openTransactionDetail = (tx) => {
              <i :class="['ph-fill text-lg', getCategoryMeta(tx.category).icon]" />
            </div>
            <div>
-              <p class="font-bold text-stone-800 text-sm">{{ tx.merchant }}</p>
+              <div class="flex items-center gap-2 flex-wrap">
+                <p class="font-bold text-stone-800 text-sm">{{ tx.merchant }}</p>
+                <span
+                  v-if="resolveLedgerBadge(tx)"
+                  class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                  :class="resolveLedgerBadge(tx).className"
+                >
+                  <i :class="['ph-bold text-[10px]', resolveLedgerBadge(tx).icon]" />
+                  {{ resolveLedgerBadge(tx).label }}
+                </span>
+                <span
+                  v-if="resolveAiBadge(tx)"
+                  class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                  :class="resolveAiBadge(tx).className"
+                >
+                  <i
+                    :class="[
+                      'ph-bold text-[10px]',
+                      resolveAiBadge(tx).icon,
+                      resolveAiBadge(tx).iconClassName,
+                    ]"
+                  />
+                  {{ resolveAiBadge(tx).label }}
+                </span>
+              </div>
              <p class="text-[11px] text-stone-400">
-                {{ formatTime(tx.date) }} 路 {{ getCategoryLabel(tx.category) }}
+                {{ formatTime(tx.date) }} · {{ getCategoryLabel(tx.category) }}
+              </p>
+              <p v-if="formatLedgerHint(tx)" class="text-[10px] text-stone-400 mt-1">
+                {{ formatLedgerHint(tx) }}
+              </p>
+              <p v-if="formatAiHint(tx)" class="text-[10px] text-stone-400 mt-1">
+                {{ formatAiHint(tx) }}
              </p>
            </div>
          </div>
@@ -317,7 +407,7 @@ const openTransactionDetail = (tx) => {
          </div>
          <div class="flex-1">
            <h4 class="font-bold text-stone-800 text-sm">
-              {{ notif.channel }} 路 {{ formatTime(notif.createdAt) }}
+              {{ notif.channel }} · {{ formatTime(notif.createdAt) }}
            </h4>
            <p class="text-xs text-stone-400 leading-relaxed">
              {{ notif.text }}
@@ -359,7 +449,7 @@ const openTransactionDetail = (tx) => {
      </div>
      <div class="z-10">
        <h4 class="font-bold text-stone-700">AI 财务顾问</h4>
-        <p class="text-xs text-stone-400 mt-1">查看消费总结、自动分类建议和可执行的预算提醒。</p>
+        <p class="text-xs text-stone-400 mt-1">现在可直接对话分析账本，并查看自动分类建议和预算提醒。</p>
      </div>
    </div>
  </div>
--- a/src/views/ListView.vue
+++ b/src/views/ListView.vue
@@ -1,6 +1,12 @@
 <script setup>
 import { computed, ref } from 'vue'
 import { storeToRefs } from 'pinia'
+import { getAiStatusMeta } from '../config/aiStatus.js'
+import {
+  getEntryTypeLabel,
+  getTransferSummary,
+  isStoredValueAccountType,
+} from '../config/ledger.js'
 import { CATEGORY_CHIPS, getCategoryLabel } from '../config/transactionCategories.js'
 import { useTransactionStore } from '../stores/transactions'
 import { useUiStore } from '../stores/ui'
@@ -19,14 +25,62 @@ const toggleTodayOnly = () => {
  filters.value.showOnlyToday = !filters.value.showOnlyToday
 }

-const formatAmount = (value) =>
-  `${value >= 0 ? '+' : '-'} 楼${Math.abs(value || 0).toFixed(2)}`
+const formatAmount = (value) => `${value >= 0 ? '+' : '-'} ¥${Math.abs(value || 0).toFixed(2)}`

 const formatTime = (value) =>
  new Intl.DateTimeFormat('zh-CN', { hour: '2-digit', minute: '2-digit' }).format(
    new Date(value),
  )

+const resolveLedgerBadge = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return {
+      label: getEntryTypeLabel(transaction.entryType),
+      icon: 'ph-arrows-left-right',
+      className: 'bg-cyan-50 text-cyan-700 border-cyan-200',
+    }
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return {
+      label: '储值支付',
+      icon: 'ph-wallet',
+      className: 'bg-teal-50 text-teal-700 border-teal-200',
+    }
+  }
+  return null
+}
+
+const resolveAiBadge = (transaction) => {
+  if (!transaction?.aiStatus || ['idle', 'failed'].includes(transaction.aiStatus)) {
+    return null
+  }
+  return getAiStatusMeta(transaction.aiStatus)
+}
+
+const formatLedgerHint = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return getTransferSummary(transaction)
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return `从${transaction.fundSourceName || '储值账户'}扣款`
+  }
+  return ''
+}
+
+const formatAiHint = (transaction) => {
+  if (transaction.aiStatus === 'running') {
+    return '正在补全分类与标签'
+  }
+  if (transaction.aiStatus === 'suggested' && transaction.aiCategory) {
+    return `建议分类：${getCategoryLabel(transaction.aiCategory)}`
+  }
+  if (transaction.aiStatus === 'applied') {
+    const tags = (transaction.aiTags || []).slice(0, 2).join(' · ')
+    return tags ? `已补全：${tags}` : '已完成自动补全'
+  }
+  return ''
+}
+
 const handleEdit = (item) => {
  uiStore.openAddEntry(item.id)
 }
@@ -77,7 +131,7 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
      </div>

      <div class="flex items-center justify-between text-[11px] text-stone-400 font-bold px-1">
-        <span>长按一条记录可快速编辑</span>
+        <span>点按一条记录可快速编辑</span>
        <button
          class="flex items-center gap-1 px-2 py-1 rounded-full border border-stone-200"
          :class="filters.showOnlyToday ? 'bg-gradient-warm text-white border-transparent' : 'bg-white'"
@@ -103,7 +157,7 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
          <div>
            <h4 class="text-sm font-bold text-stone-500">{{ group.label }}</h4>
            <p class="text-[10px] text-stone-400">
-              支出 楼{{ group.totalExpense.toFixed(2) }}
+              支出 ¥{{ group.totalExpense.toFixed(2) }}
            </p>
          </div>
          <span class="text-xs text-stone-300 font-bold">{{ group.dayKey }}</span>
@@ -128,18 +182,48 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
                />
              </div>
              <div>
-                <p class="font-bold text-stone-800 text-sm">
-                  {{ item.merchant }}
-                </p>
+                <div class="flex items-center gap-2 flex-wrap">
+                  <p class="font-bold text-stone-800 text-sm">
+                    {{ item.merchant }}
+                  </p>
+                  <span
+                    v-if="resolveLedgerBadge(item)"
+                    class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                    :class="resolveLedgerBadge(item).className"
+                  >
+                    <i :class="['ph-bold text-[10px]', resolveLedgerBadge(item).icon]" />
+                    {{ resolveLedgerBadge(item).label }}
+                  </span>
+                  <span
+                    v-if="resolveAiBadge(item)"
+                    class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                    :class="resolveAiBadge(item).className"
+                  >
+                    <i
+                      :class="[
+                        'ph-bold text-[10px]',
+                        resolveAiBadge(item).icon,
+                        resolveAiBadge(item).iconClassName,
+                      ]"
+                    />
+                    {{ resolveAiBadge(item).label }}
+                  </span>
+                </div>
                <p class="text-xs text-stone-400 mt-0.5">
                  {{ formatTime(item.date) }}
                  <span v-if="item.category" class="text-stone-300">
-                    路 {{ getCategoryLabel(item.category) }}
+                    · {{ getCategoryLabel(item.category) }}
                  </span>
                  <span v-if="item.note" class="text-stone-300">
-                    路 {{ item.note }}
+                    · {{ item.note }}
                  </span>
                </p>
+                <p v-if="formatLedgerHint(item)" class="text-[10px] text-stone-400 mt-1">
+                  {{ formatLedgerHint(item) }}
+                </p>
+                <p v-if="formatAiHint(item)" class="text-[10px] text-stone-400 mt-1">
+                  {{ formatAiHint(item) }}
+                </p>
              </div>
            </div>
            <div class="text-right">