feat: 优化统一规则逻辑

src/services/notificationRuleService.js

@@ -1,150 +1,32 @@
-const fallbackRules = [
-  // 支付宝消费：日常吃饭、网购等
-  {
-    id: 'alipay-expense',
-    label: '支付宝消费',
-    channels: ['支付宝', 'Alipay'],
-    keywords: ['支付', '扣款', '支出', '消费', '成功支付'],
-    direction: 'expense',
-    defaultCategory: 'Food',
-    autoCapture: false,
-    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
-  },
-  // 支付宝收款 / 到账
-  {
-    id: 'alipay-income',
-    label: '支付宝收款',
-    channels: ['支付宝', 'Alipay'],
-    keywords: ['到账', '收入', '收款', '入账'],
-    direction: 'income',
-    defaultCategory: 'Income',
-    autoCapture: true,
-    merchantPattern: /(?:来自|收款方)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/i,
-  },
-  // 微信消费
-  {
-    id: 'wechat-expense',
-    label: '微信消费',
-    channels: ['微信支付', '微信', 'WeChat'],
-    keywords: ['支付', '支出', '扣款', '消费成功'],
-    direction: 'expense',
-    defaultCategory: 'Groceries',
-    autoCapture: false,
-    merchantPattern: /向\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
-  },
-  // 微信收款 / 转账入账
-  {
-    id: 'wechat-income',
-    label: '微信收款',
-    channels: ['微信支付', '微信', 'WeChat'],
-    keywords: ['收款', '到账', '入账', '转入'],
-    direction: 'income',
-    defaultCategory: 'Income',
-    autoCapture: true,
-    merchantPattern: /(?:来自|收款方)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
-  },
-  // 银行工资 / 常规入账
-  {
-    id: 'bank-income',
-    label: '工资到账',
-    channels: [
-      '招商银行',
-      '中国银行',
-      '建设银行',
-      '工商银行',
-      '农业银行',
-      '交通银行',
-      '浦发银行',
-      '兴业银行',
-      '光大银行',
-      '中信银行',
-      '广发银行',
-      '平安银行',
-    ],
-    keywords: ['工资', '薪资', '代发', '到账', '入账', '收入'],
-    direction: 'income',
-    defaultCategory: 'Income',
-    autoCapture: true,
-    merchantPattern: /(?:来自|付款方|来源)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
-  },
-  // 银行消费 / 借记卡扣款
-  {
-    id: 'bank-expense',
-    label: '银行卡支出',
-    channels: [
-      '招商银行',
-      '中国银行',
-      '建设银行',
-      '工商银行',
-      '农业银行',
-      '交通银行',
-      '浦发银行',
-      '兴业银行',
-      '光大银行',
-      '中信银行',
-      '广发银行',
-      '平安银行',
-      '借记卡',
-      '信用卡',
-    ],
-    keywords: ['支出', '消费', '扣款', '刷卡消费', '银联消费'],
-    direction: 'expense',
-    defaultCategory: 'Expense',
-    autoCapture: false,
-    merchantPattern: /(?:商户|商家|消费商户)\s*([\u4e00-\u9fa5A-Za-z0-9\s&]+)/,
-  },
-  // 手机公交卡 / 乘车码扣款（地铁、公交等），按交通分类
-  {
-    id: 'transit-card-expense',
-    label: '公交出行',
-    channels: [
-      '杭州通互联互通卡',
-      '杭州通',
-      '北京一卡通',
-      '上海公共交通卡',
-      '深圳通',
-      '苏州公交卡',
-      '交通联合',
-      '乘车码',
-      '地铁',
-      '公交',
-      'Mi Pay',
-      'Huawei Pay',
-      '华为钱包',
-      '小米钱包',
-      'OPPO 钱包',
-    ],
-    // 对公交卡类通知，只要来源匹配即可视为出行支出，不强制正文关键字
-    keywords: [],
-    direction: 'expense',
-    defaultCategory: 'Transport',
-    autoCapture: true,
-    // 优先从正文中提取「文三路->祥园路」之类的起点-终点信息作为“商户”
-    merchantPattern: /([\u4e00-\u9fa5]{2,}\s*(?:-|—|>|→|至|到)\s*[\u4e00-\u9fa5]{2,})/,
-    // 若无法提取线路，则使用统一名称
-    defaultMerchant: '公交/地铁出行',
-  },
+import notificationRulesSource from '../config/notificationRules.js'
+
+const fallbackRules = notificationRulesSource.map((rule) => ({
+  ...rule,
+  merchantPattern: rule.merchantPattern?.pattern
+    ? new RegExp(rule.merchantPattern.pattern, rule.merchantPattern.flags || '')
+    : null,
+}))
+
+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})?)/,
+  /(-?\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 () => []
 
-/**
- * 允许后续接入服务端规则同步，只需在应用启动时调用并注入实际的 fetch 函数。
- * 服务端可以返回一组规则对象，形如：
- * {
- *   id: string;
- *   label?: string;
- *   enabled?: boolean;      // false 时在本地完全忽略此规则
- *   priority?: number;      // 预留优先级字段（当前仅在服务端使用）
- *   channels?: string[];    // 匹配通知来源（标题 / 包名）
- *   keywords?: string[];    // 匹配通知正文的关键字
- *   direction?: 'income' | 'expense';
- *   defaultCategory?: string;
- *   autoCapture?: boolean;
- * }
- * @param {(currentRules: Array) => Promise<Array>} fetcher
- */
+const buildEmptyTransaction = (notification, options = {}) => ({
+  id: options.id,
+  merchant: options.merchant || 'Unknown',
+  category: options.category || 'Uncategorized',
+  amount: 0,
+  date: new Date(options.date || notification?.createdAt || new Date().toISOString()).toISOString(),
+  note: notification?.text || '',
+  syncStatus: 'pending',
+})
+
 export const setRemoteRuleFetcher = (fetcher) => {
   remoteRuleFetcher = typeof fetcher === 'function' ? fetcher : remoteRuleFetcher
 }
@@ -167,47 +49,44 @@ export const loadNotificationRules = async () => {
     }
   } catch (err) {
     cachedRules = [...cachedRules]
-    console.warn('[rules] 使用本地规则，远程规则获取失败：', err)
+    console.warn('[rules] using cached fallback rules because remote sync failed:', err)
   }
   return cachedRules
 }
 
 export const getCachedNotificationRules = () => cachedRules
 
-// 从通知文本中提取交易金额，兼容「¥」「￥」「元」「人民币」等常见形式
 const extractAmount = (text = '') => {
-  const primary = text.match(
-    /(?:[¥￥]|人民币)\s*(-?\d+(?:\.\d{1,2})?)|(-?\d+(?:\.\d{1,2})?)\s*元/,
-  )
-  const value = primary?.[1] || primary?.[2]
-  if (value) {
-    return Math.abs(parseFloat(value))
+  const normalized = String(text).replace(/,/g, '').trim()
+
+  for (const pattern of amountPatterns) {
+    const match = normalized.match(pattern)
+    const value = match?.[1]
+    if (!value) continue
+    const parsed = Math.abs(Number.parseFloat(value))
+    if (Number.isFinite(parsed) && parsed > 0) {
+      return parsed
+    }
   }
-  const loose = text.match(/(-?\d+(?:\.\d{1,2})?)/)
-  return loose?.[1] ? Math.abs(parseFloat(loose[1])) : 0
+
+  return 0
 }
 
-// 判断字符串是否更像是「金额」而不是商户名，用于避免把「1.00元」当成商户
 const looksLikeAmount = (raw = '') => {
   const value = String(raw).trim()
   if (!value) return false
-  const amountPattern = /^[-\d.,]+\s*(?:元|块钱|￥|¥|人民币)?$/
-  return amountPattern.test(value)
+  return /^[-\d.,]+\s*(?:元|块|块钱|¥|￥|人民币)?$/i.test(value)
 }
 
 const extractMerchant = (text, rule) => {
   const content = text || ''
 
   if (rule?.merchantPattern instanceof RegExp) {
-    const m = content.match(rule.merchantPattern)
-    if (m?.[1]) return m[1].trim()
+    const matched = content.match(rule.merchantPattern)
+    if (matched?.[1]) return matched[1].trim()
   }
 
-  // 通用的「站点 A -> 站点 B」线路模式（公交/地铁通知），
-  // 即使未命中专用规则也尝试提取，避免退化为金额或「Unknown」
-  const routeMatch = content.match(
-    /([\u4e00-\u9fa5]{2,}\s*(?:-|—|>|→|至|到|->)\s*[\u4e00-\u9fa5]{2,})/,
-  )
+  const routeMatch = content.match(/([\u4e00-\u9fa5]{2,}\s*(?:-|->|→|至|到)\s*[\u4e00-\u9fa5]{2,})/)
   if (routeMatch?.[1]) {
     return routeMatch[1].trim()
   }
@@ -218,16 +97,14 @@ const extractMerchant = (text, rule) => {
   ]
 
   for (const pattern of genericPatterns) {
-    const m = content.match(pattern)
-    if (m?.[1]) return m[1].trim()
+    const matched = content.match(pattern)
+    if (matched?.[1]) return matched[1].trim()
   }
 
-  // 针对「……支出(消费支付宝-上海拉扎斯信息科技有限公司)3.23元」这类银行通知，
-  // 优先尝试从括号中的「支付宝-商户名」结构中提取真正的商户名
   const parenMatch = content.match(/\(([^)]+)\)/)
   if (parenMatch?.[1]) {
     const inner = parenMatch[1]
-    const payMatch = inner.match(/(?:支付宝|微信支付|微信)[-—\s]*([^\d元￥¥]+)$/)
+    const payMatch = inner.match(/(?:支付宝|微信支付|微信)[-\s]*([^\d元￥¥]+)$/)
     if (payMatch?.[1]) {
       const candidate = payMatch[1].trim()
       if (candidate && !looksLikeAmount(candidate)) {
@@ -247,32 +124,48 @@ const extractMerchant = (text, rule) => {
 
 const matchRule = (notification, rule) => {
   if (!rule || rule.enabled === false) return false
+
   const channel = notification?.channel || ''
   const text = notification?.text || ''
-  // 频道命中：优先用通知标题/来源匹配，退而求其次用正文包含匹配（兼容 adb shell / 部分 ROM）
   const channelHit =
     !rule.channels?.length ||
-    rule.channels.some((item) => channel.includes(item) || text.includes(item))
+    rule.channels.some((item) => channel.includes(item)) ||
+    (!channel && rule.channels.some((item) => text.includes(item)))
   const keywordHit = !rule.keywords?.length || rule.keywords.some((word) => text.includes(word))
-  return channelHit && keywordHit
+  const requiredTextHit =
+    !rule.requiredTextPatterns?.length ||
+    rule.requiredTextPatterns.some((word) => text.includes(word))
+
+  return channelHit && keywordHit && requiredTextHit
 }
 
-/**
- * 根据当前规则集生成交易草稿，并返回命中的规则信息
- * @param {{ id: string, channel: string, text: string, createdAt: string }} notification
- * @param {{ ruleSet?: Array, overrides?: object }} options
- * @returns {{ transaction: import('../types/transaction').Transaction, rule?: object, requiresConfirmation: boolean }}
- */
 export const transformNotificationToTransaction = (notification, options = {}) => {
   const ruleSet = options.ruleSet?.length ? options.ruleSet : cachedRules
   const rule = ruleSet.find((item) => matchRule(notification, item))
-  const amountFromText = extractAmount(notification?.text)
-  const direction = options.direction || rule?.direction || 'expense'
+
+  if (!rule) {
+    return {
+      transaction: buildEmptyTransaction(notification, options),
+      rule: undefined,
+      requiresConfirmation: false,
+    }
+  }
+
+  const amountFromText = extractAmount(notification?.text || '')
+  if (amountFromText <= 0) {
+    return {
+      transaction: buildEmptyTransaction(notification, options),
+      rule: undefined,
+      requiresConfirmation: false,
+    }
+  }
+
+  const direction = options.direction || rule.direction || 'expense'
   const normalizedAmount =
     direction === 'income' ? Math.abs(amountFromText) : -Math.abs(amountFromText)
 
   let merchant = options.merchant || extractMerchant(notification?.text || '', rule) || 'Unknown'
-  if (merchant === 'Unknown' && rule?.defaultMerchant) {
+  if (merchant === 'Unknown' && rule.defaultMerchant) {
     merchant = rule.defaultMerchant
   }
 
@@ -281,8 +174,8 @@ export const transformNotificationToTransaction = (notification, options = {}) =
   const transaction = {
     id: options.id,
     merchant,
-    category: options.category || rule?.defaultCategory || 'Uncategorized',
-    amount: Number.isFinite(normalizedAmount) ? normalizedAmount : 0,
+    category: options.category || rule.defaultCategory || 'Uncategorized',
+    amount: normalizedAmount,
     date: new Date(date).toISOString(),
     note: notification?.text || '',
     syncStatus: 'pending',
@@ -290,7 +183,7 @@ export const transformNotificationToTransaction = (notification, options = {}) =
 
   const requiresConfirmation =
     options.requiresConfirmation ??
-    !(rule?.autoCapture && transaction.amount !== 0 && merchant !== 'Unknown')
+    !(rule.autoCapture && transaction.amount !== 0 && merchant !== 'Unknown')
 
   return { transaction, rule, requiresConfirmation }
 }