feat:新增ai分析，新增储值账户，优化通知规则

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')
     },
   },
   {