feat:新增ai分析，新增储值账户，优化通知规则

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 =