feat:新增ai分析，新增储值账户，优化通知规则

src/views/AddEntryView.vue

@@ -217,7 +217,7 @@ const sheetStyle = computed(() => {
           input-class="text-2xl font-bold"
         >
           <template #prefix>
-            <span class="text-stone-400 text-sm">楼</span>
+            <span class="text-stone-400 text-sm">¥</span>
           </template>
         </EchoInput>
 

src/views/AnalysisView.vue

@@ -1,5 +1,102 @@
 <script setup>
-// 分析页当前仍是占位页，先展示未来 AI 财务顾问的交互方向。
+import { computed, ref } from 'vue'
+import { storeToRefs } from 'pinia'
+import { askFinanceAssistant, hasAiAccess } from '../services/ai/aiService.js'
+import { useSettingsStore } from '../stores/settings.js'
+import { useTransactionStore } from '../stores/transactions.js'
+
+const settingsStore = useSettingsStore()
+const transactionStore = useTransactionStore()
+const { sortedTransactions } = storeToRefs(transactionStore)
+
+const prompt = ref('')
+const sending = ref(false)
+let messageSeed = 0
+
+const quickPrompts = [
+  '帮我总结这周花钱最多的三类项目。',
+  '最近有哪些支出值得我留意？',
+  '我这个月的餐饮支出高吗？',
+]
+
+const createMessage = (role, content, extra = {}) => ({
+  id: `msg-${Date.now()}-${messageSeed += 1}`,
+  role,
+  content,
+  ...extra,
+})
+
+const messages = ref([
+  createMessage(
+    'assistant',
+    '可以直接问我账本问题，比如“这周花钱最多的三类项目是什么？”或“最近有哪些支出值得注意？”。',
+  ),
+])
+
+const aiReady = computed(() => hasAiAccess(settingsStore))
+const hasTransactions = computed(() => sortedTransactions.value.length > 0)
+const canSend = computed(() => !!prompt.value.trim() && !sending.value)
+
+const replaceMessage = (messageId, nextMessage) => {
+  messages.value = messages.value.map((item) => (item.id === messageId ? nextMessage : item))
+}
+
+const sendPrompt = async (rawPrompt = prompt.value) => {
+  const question = String(rawPrompt || '').trim()
+  if (!question || sending.value) return
+
+  const conversation = messages.value
+    .filter((item) => !item.pending)
+    .slice(-6)
+    .map(({ role, content }) => ({ role, content }))
+
+  messages.value.push(createMessage('user', question))
+  prompt.value = ''
+
+  if (!aiReady.value) {
+    messages.value.push(
+      createMessage('assistant', '先去设置页填写 DeepSeek API Key，然后这里就可以直接对话。'),
+    )
+    return
+  }
+
+  const pendingMessage = createMessage('assistant', '正在整理本地账本并生成回答...', {
+    pending: true,
+  })
+  messages.value.push(pendingMessage)
+  sending.value = true
+
+  try {
+    const result = await askFinanceAssistant({
+      question,
+      transactions: sortedTransactions.value,
+      conversation,
+    })
+    replaceMessage(pendingMessage.id, createMessage('assistant', result.content))
+  } catch (error) {
+    replaceMessage(
+      pendingMessage.id,
+      createMessage('assistant', error?.message || 'AI 请求失败，请稍后重试。'),
+    )
+  } finally {
+    sending.value = false
+  }
+}
+
+const handleQuickPrompt = (value) => {
+  void sendPrompt(value)
+}
+
+const handleSubmit = () => {
+  void sendPrompt()
+}
+
+const handleKeydown = (event) => {
+  if (event.key === 'Enter' && !event.shiftKey) {
+    event.preventDefault()
+    void sendPrompt()
+  }
+}
 </script>
 
 <template>
@@ -12,71 +109,89 @@
       </div>
       <div>
         <h2 class="text-xl font-extrabold text-stone-800">AI 财务顾问</h2>
-        <p class="text-xs text-stone-400">即将接入对话分析与自动分类</p>
+        <p class="text-xs text-stone-400">直接基于本地账本和 DeepSeek 对话分析。</p>
       </div>
     </div>
 
-    <div class="flex-1 overflow-y-auto space-y-5 pr-1 pb-2">
-      <div class="flex gap-3">
-        <div
-          class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
-        >
-          <i class="ph-fill ph-robot" />
-        </div>
-        <div
-          class="bg-white p-4 rounded-2xl rounded-tl-none shadow-sm border border-stone-100 text-sm text-stone-600 leading-relaxed max-w-[85%]"
-        >
-          <p>我已经整理了你最近 30 天的消费记录。</p>
-          <div class="mt-3 bg-stone-50 rounded-xl p-3 border border-stone-100">
-            <div class="flex items-center gap-2 mb-2">
-              <i class="ph-fill ph-chart-line text-orange-400" />
-              <span class="font-bold text-stone-700 text-xs">本月摘要</span>
-            </div>
-            <p class="text-xs">
-              餐饮与通勤是主要支出来源，夜间消费频率明显高于白天，预算消耗速度偏快。
-            </p>
+    <div class="grid grid-cols-2 gap-3 mb-4">
+      <div class="bg-white rounded-2xl border border-stone-100 p-4 shadow-sm">
+        <p class="text-[11px] font-bold text-stone-400">账本样本</p>
+        <p class="text-lg font-extrabold text-stone-800 mt-1">{{ sortedTransactions.length }}</p>
+        <p class="text-[11px] text-stone-400 mt-1">聊天时会带上最近 80 条记录摘要</p>
+      </div>
+      <div class="bg-white rounded-2xl border border-stone-100 p-4 shadow-sm">
+        <p class="text-[11px] font-bold text-stone-400">AI 状态</p>
+        <p class="text-lg font-extrabold mt-1" :class="aiReady ? 'text-emerald-600' : 'text-amber-600'">
+          {{ aiReady ? '已连接' : '待配置' }}
+        </p>
+        <p class="text-[11px] text-stone-400 mt-1">
+          {{ aiReady ? '使用设置页里的 DeepSeek Key 直接调用。' : '先去设置页填写 DeepSeek API Key。' }}
+        </p>
+      </div>
+    </div>
+
+    <div class="flex gap-2 flex-wrap mb-4">
+      <button
+        v-for="item in quickPrompts"
+        :key="item"
+        class="px-3 py-2 rounded-full bg-white border border-stone-100 text-xs font-bold text-stone-600 shadow-sm"
+        @click="handleQuickPrompt(item)"
+      >
+        {{ item }}
+      </button>
+    </div>
+
+    <div v-if="!hasTransactions" class="mb-4 rounded-2xl border border-amber-200 bg-amber-50 px-4 py-3 text-sm text-amber-700">
+      当前还没有账本记录。聊天功能可以使用，但回答只会提示你先开始记账。
+    </div>
+
+    <div class="flex-1 overflow-y-auto space-y-4 pr-1 pb-2">
+      <div
+        v-for="message in messages"
+        :key="message.id"
+        class="flex gap-3"
+        :class="message.role === 'user' ? 'justify-end' : 'justify-start'"
+      >
+        <template v-if="message.role === 'assistant'">
+          <div
+            class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
+          >
+            <i :class="['ph-fill', message.pending ? 'ph-circle-notch animate-spin' : 'ph-robot']" />
           </div>
-          <p class="mt-3">下一步会支持自动分类、标签建议、异常支出提醒和自然语言问答。</p>
-        </div>
-      </div>
+        </template>
 
-      <div class="flex gap-3 flex-row-reverse">
         <div
-          class="bg-stone-700 text-white p-4 rounded-2xl rounded-tr-none shadow-lg text-sm max-w-[85%]"
+          :class="[
+            'max-w-[85%] rounded-2xl p-4 text-sm leading-relaxed shadow-sm',
+            message.role === 'user'
+              ? 'bg-stone-800 text-white rounded-tr-none'
+              : 'bg-white border border-stone-100 text-stone-700 rounded-tl-none',
+          ]"
         >
-          帮我总结这周花钱最多的三类项目。
-        </div>
-      </div>
-
-      <div class="flex gap-3">
-        <div
-          class="w-8 h-8 rounded-full bg-stone-100 flex items-center justify-center text-stone-400 mt-1 shrink-0"
-        >
-          <i class="ph-fill ph-robot" />
-        </div>
-        <div
-          class="bg-white p-4 rounded-2xl rounded-tl-none shadow-sm border border-stone-100 text-sm text-stone-600 leading-relaxed max-w-[85%]"
-        >
-          <p>示例输出会像这样：</p>
-          <ul class="list-disc list-inside text-xs space-y-1 marker:text-orange-400 mt-2">
-            <li>餐饮：¥428，集中在晚餐和外卖。</li>
-            <li>通勤：¥156，工作日为主。</li>
-            <li>一般支出：¥98，主要是零碎网购和订阅扣费。</li>
-          </ul>
+          <p class="whitespace-pre-wrap">{{ message.content }}</p>
         </div>
       </div>
     </div>
 
-    <div class="mt-2 relative shrink-0">
-      <input
-        type="text"
-        placeholder="输入想分析的问题..."
-        class="w-full pl-5 pr-12 py-3.5 rounded-full bg-white border border-stone-100 focus:outline-none focus:border-orange-300 focus:ring-4 focus:ring-orange-50 transition text-sm shadow-sm text-stone-700 font-medium placeholder-stone-300"
+    <div class="mt-3 relative shrink-0">
+      <textarea
+        v-model="prompt"
+        rows="2"
+        placeholder="输入你的账本问题，例如：这周哪里花得最多？"
+        class="w-full pl-5 pr-14 py-3.5 rounded-3xl bg-white border border-stone-100 focus:outline-none focus:border-orange-300 focus:ring-4 focus:ring-orange-50 transition text-sm shadow-sm text-stone-700 font-medium placeholder-stone-300 resize-none"
+        @keydown="handleKeydown"
       />
       <button
-        class="absolute right-2 top-2 w-9 h-9 bg-gradient-warm text-white rounded-full flex items-center justify-center hover:scale-105 transition shadow-md"
+        class="absolute right-3 bottom-3 w-10 h-10 rounded-full flex items-center justify-center transition shadow-md"
+        :class="
+          canSend && aiReady
+            ? 'bg-gradient-warm text-white'
+            : 'bg-stone-200 text-stone-400 cursor-not-allowed'
+        "
+        :disabled="!canSend || !aiReady"
+        @click="handleSubmit"
       >
-        <i class="ph-bold ph-arrow-up" />
+        <i :class="['ph-bold', sending ? 'ph-circle-notch animate-spin' : 'ph-arrow-up']" />
       </button>
     </div>
   </div>

src/views/HomeView.vue

@@ -7,6 +7,12 @@ import { useTransactionStore } from '../stores/transactions'
 import { useTransactionEntry } from '../composables/useTransactionEntry'
 import { useSettingsStore } from '../stores/settings'
 import { useUiStore } from '../stores/ui'
+import { getAiStatusMeta } from '../config/aiStatus.js'
+import {
+  getEntryTypeLabel,
+  getTransferSummary,
+  isStoredValueAccountType,
+} from '../config/ledger.js'
 import { getCategoryLabel, getCategoryMeta } from '../config/transactionCategories.js'
 import { bootstrapApp } from '../services/appBootstrap.js'
 
@@ -14,8 +20,14 @@ const router = useRouter()
 const transactionStore = useTransactionStore()
 const settingsStore = useSettingsStore()
 const uiStore = useUiStore()
-const { totalIncome, totalExpense, todaysIncome, todaysExpense, latestTransactions, sortedTransactions } =
-  storeToRefs(transactionStore)
+const {
+  totalIncome,
+  totalExpense,
+  todaysIncome,
+  todaysExpense,
+  latestTransactions,
+  sortedTransactions,
+} = storeToRefs(transactionStore)
 const { notifications, confirmNotification, dismissNotification, processingId, syncNotifications } =
   useTransactionEntry()
 
@@ -27,7 +39,6 @@ onMounted(async () => {
   await syncNotifications()
 
   try {
-    // App 回到前台时，刷新本地账本和待处理通知。
     appStateListener = await App.addListener('appStateChange', async ({ isActive }) => {
       if (isActive) {
         await transactionStore.hydrateTransactions()
@@ -88,7 +99,7 @@ const periodExpense = computed(() => {
   if (cycle === 'none' || !start) return totalExpense.value || 0
 
   return (sortedTransactions.value || []).reduce((sum, tx) => {
-    if (tx.amount >= 0) return sum
+    if (tx.amount >= 0 || tx.impactExpense === false) return sum
     return new Date(tx.date) >= start ? sum + tx.amount : sum
   }, 0)
 })
@@ -123,6 +134,55 @@ const formatTime = (value) =>
     new Date(value),
   )
 
+const resolveAiBadge = (transaction) => {
+  if (!transaction?.aiStatus || ['idle', 'failed'].includes(transaction.aiStatus)) {
+    return null
+  }
+  return getAiStatusMeta(transaction.aiStatus)
+}
+
+const resolveLedgerBadge = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return {
+      label: getEntryTypeLabel(transaction.entryType),
+      icon: 'ph-arrows-left-right',
+      className: 'bg-cyan-50 text-cyan-700 border-cyan-200',
+    }
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return {
+      label: '储值支付',
+      icon: 'ph-wallet',
+      className: 'bg-teal-50 text-teal-700 border-teal-200',
+    }
+  }
+  return null
+}
+
+const formatLedgerHint = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return getTransferSummary(transaction)
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return `从${transaction.fundSourceName || '储值账户'}扣款`
+  }
+  return ''
+}
+
+const formatAiHint = (transaction) => {
+  if (transaction.aiStatus === 'running') {
+    return '正在补全分类与标签'
+  }
+  if (transaction.aiStatus === 'suggested' && transaction.aiCategory) {
+    return `建议分类：${getCategoryLabel(transaction.aiCategory)}`
+  }
+  if (transaction.aiStatus === 'applied') {
+    const tags = (transaction.aiTags || []).slice(0, 2).join(' · ')
+    return tags ? `已补全：${tags}` : '已完成自动补全'
+  }
+  return ''
+}
+
 const goSettings = () => {
   router.push({ name: 'settings' })
 }
@@ -275,9 +335,39 @@ const openTransactionDetail = (tx) => {
               <i :class="['ph-fill text-lg', getCategoryMeta(tx.category).icon]" />
             </div>
             <div>
-              <p class="font-bold text-stone-800 text-sm">{{ tx.merchant }}</p>
+              <div class="flex items-center gap-2 flex-wrap">
+                <p class="font-bold text-stone-800 text-sm">{{ tx.merchant }}</p>
+                <span
+                  v-if="resolveLedgerBadge(tx)"
+                  class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                  :class="resolveLedgerBadge(tx).className"
+                >
+                  <i :class="['ph-bold text-[10px]', resolveLedgerBadge(tx).icon]" />
+                  {{ resolveLedgerBadge(tx).label }}
+                </span>
+                <span
+                  v-if="resolveAiBadge(tx)"
+                  class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                  :class="resolveAiBadge(tx).className"
+                >
+                  <i
+                    :class="[
+                      'ph-bold text-[10px]',
+                      resolveAiBadge(tx).icon,
+                      resolveAiBadge(tx).iconClassName,
+                    ]"
+                  />
+                  {{ resolveAiBadge(tx).label }}
+                </span>
+              </div>
               <p class="text-[11px] text-stone-400">
-                {{ formatTime(tx.date) }} 路 {{ getCategoryLabel(tx.category) }}
+                {{ formatTime(tx.date) }} · {{ getCategoryLabel(tx.category) }}
+              </p>
+              <p v-if="formatLedgerHint(tx)" class="text-[10px] text-stone-400 mt-1">
+                {{ formatLedgerHint(tx) }}
+              </p>
+              <p v-if="formatAiHint(tx)" class="text-[10px] text-stone-400 mt-1">
+                {{ formatAiHint(tx) }}
               </p>
             </div>
           </div>
@@ -317,7 +407,7 @@ const openTransactionDetail = (tx) => {
           </div>
           <div class="flex-1">
             <h4 class="font-bold text-stone-800 text-sm">
-              {{ notif.channel }} 路 {{ formatTime(notif.createdAt) }}
+              {{ notif.channel }} · {{ formatTime(notif.createdAt) }}
             </h4>
             <p class="text-xs text-stone-400 leading-relaxed">
               {{ notif.text }}
@@ -359,7 +449,7 @@ const openTransactionDetail = (tx) => {
       </div>
       <div class="z-10">
         <h4 class="font-bold text-stone-700">AI 财务顾问</h4>
-        <p class="text-xs text-stone-400 mt-1">查看消费总结、自动分类建议和可执行的预算提醒。</p>
+        <p class="text-xs text-stone-400 mt-1">现在可直接对话分析账本，并查看自动分类建议和预算提醒。</p>
       </div>
     </div>
   </div>

src/views/ListView.vue

@@ -1,6 +1,12 @@
 <script setup>
 import { computed, ref } from 'vue'
 import { storeToRefs } from 'pinia'
+import { getAiStatusMeta } from '../config/aiStatus.js'
+import {
+  getEntryTypeLabel,
+  getTransferSummary,
+  isStoredValueAccountType,
+} from '../config/ledger.js'
 import { CATEGORY_CHIPS, getCategoryLabel } from '../config/transactionCategories.js'
 import { useTransactionStore } from '../stores/transactions'
 import { useUiStore } from '../stores/ui'
@@ -19,14 +25,62 @@ const toggleTodayOnly = () => {
   filters.value.showOnlyToday = !filters.value.showOnlyToday
 }
 
-const formatAmount = (value) =>
-  `${value >= 0 ? '+' : '-'} 楼${Math.abs(value || 0).toFixed(2)}`
+const formatAmount = (value) => `${value >= 0 ? '+' : '-'} ¥${Math.abs(value || 0).toFixed(2)}`
 
 const formatTime = (value) =>
   new Intl.DateTimeFormat('zh-CN', { hour: '2-digit', minute: '2-digit' }).format(
     new Date(value),
   )
 
+const resolveLedgerBadge = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return {
+      label: getEntryTypeLabel(transaction.entryType),
+      icon: 'ph-arrows-left-right',
+      className: 'bg-cyan-50 text-cyan-700 border-cyan-200',
+    }
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return {
+      label: '储值支付',
+      icon: 'ph-wallet',
+      className: 'bg-teal-50 text-teal-700 border-teal-200',
+    }
+  }
+  return null
+}
+
+const resolveAiBadge = (transaction) => {
+  if (!transaction?.aiStatus || ['idle', 'failed'].includes(transaction.aiStatus)) {
+    return null
+  }
+  return getAiStatusMeta(transaction.aiStatus)
+}
+
+const formatLedgerHint = (transaction) => {
+  if (transaction.entryType === 'transfer') {
+    return getTransferSummary(transaction)
+  }
+  if (isStoredValueAccountType(transaction.fundSourceType)) {
+    return `从${transaction.fundSourceName || '储值账户'}扣款`
+  }
+  return ''
+}
+
+const formatAiHint = (transaction) => {
+  if (transaction.aiStatus === 'running') {
+    return '正在补全分类与标签'
+  }
+  if (transaction.aiStatus === 'suggested' && transaction.aiCategory) {
+    return `建议分类：${getCategoryLabel(transaction.aiCategory)}`
+  }
+  if (transaction.aiStatus === 'applied') {
+    const tags = (transaction.aiTags || []).slice(0, 2).join(' · ')
+    return tags ? `已补全：${tags}` : '已完成自动补全'
+  }
+  return ''
+}
+
 const handleEdit = (item) => {
   uiStore.openAddEntry(item.id)
 }
@@ -77,7 +131,7 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
       </div>
 
       <div class="flex items-center justify-between text-[11px] text-stone-400 font-bold px-1">
-        <span>长按一条记录可快速编辑</span>
+        <span>点按一条记录可快速编辑</span>
         <button
           class="flex items-center gap-1 px-2 py-1 rounded-full border border-stone-200"
           :class="filters.showOnlyToday ? 'bg-gradient-warm text-white border-transparent' : 'bg-white'"
@@ -103,7 +157,7 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
           <div>
             <h4 class="text-sm font-bold text-stone-500">{{ group.label }}</h4>
             <p class="text-[10px] text-stone-400">
-              支出 楼{{ group.totalExpense.toFixed(2) }}
+              支出 ¥{{ group.totalExpense.toFixed(2) }}
             </p>
           </div>
           <span class="text-xs text-stone-300 font-bold">{{ group.dayKey }}</span>
@@ -128,18 +182,48 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
                 />
               </div>
               <div>
-                <p class="font-bold text-stone-800 text-sm">
-                  {{ item.merchant }}
-                </p>
+                <div class="flex items-center gap-2 flex-wrap">
+                  <p class="font-bold text-stone-800 text-sm">
+                    {{ item.merchant }}
+                  </p>
+                  <span
+                    v-if="resolveLedgerBadge(item)"
+                    class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                    :class="resolveLedgerBadge(item).className"
+                  >
+                    <i :class="['ph-bold text-[10px]', resolveLedgerBadge(item).icon]" />
+                    {{ resolveLedgerBadge(item).label }}
+                  </span>
+                  <span
+                    v-if="resolveAiBadge(item)"
+                    class="inline-flex items-center gap-1 px-2 py-0.5 rounded-full border text-[10px] font-bold"
+                    :class="resolveAiBadge(item).className"
+                  >
+                    <i
+                      :class="[
+                        'ph-bold text-[10px]',
+                        resolveAiBadge(item).icon,
+                        resolveAiBadge(item).iconClassName,
+                      ]"
+                    />
+                    {{ resolveAiBadge(item).label }}
+                  </span>
+                </div>
                 <p class="text-xs text-stone-400 mt-0.5">
                   {{ formatTime(item.date) }}
                   <span v-if="item.category" class="text-stone-300">
-                    路 {{ getCategoryLabel(item.category) }}
+                    · {{ getCategoryLabel(item.category) }}
                   </span>
                   <span v-if="item.note" class="text-stone-300">
-                    路 {{ item.note }}
+                    · {{ item.note }}
                   </span>
                 </p>
+                <p v-if="formatLedgerHint(item)" class="text-[10px] text-stone-400 mt-1">
+                  {{ formatLedgerHint(item) }}
+                </p>
+                <p v-if="formatAiHint(item)" class="text-[10px] text-stone-400 mt-1">
+                  {{ formatAiHint(item) }}
+                </p>
               </div>
             </div>
             <div class="text-right">