feat:新增ai分析，新增储值账户，优化通知规则

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 })
+}

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,
+    }
+  }
 }