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 })
+}