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/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,