fix:页面优化

feat:新增账单导出、支付宝账单导入
chore: release v0.4.0
2026-03-12 15:36:36 +08:00 · 2026-03-12 15:09:25 +08:00 · 2026-03-12 14:03:25 +08:00 · 2026-03-12 14:03:01 +08:00 · 2026-03-12 10:59:44 +08:00
33 changed files with 2794 additions and 342 deletions
--- a/README.md
+++ b/README.md
@@ -1,24 +1,52 @@
-# Echo
+# Echo

-Local-first personal finance app built with Vue 3, Vite, Capacitor, and SQLite.
+Echo 是一个本地优先的个人记账 App，当前重点是自动记账、储值账户语义、AI 分类与本地账本分析。

-## Commands
+## 当前文档入口
+
+- 主说明：[design/README.md](design/README.md)
+- 项目现状与阶段规划：[design/echo-阶段总结与规划.md](design/echo-%E9%98%B6%E6%AE%B5%E6%80%BB%E7%BB%93%E4%B8%8E%E8%A7%84%E5%88%92.md)
+- 设计/规划整理结论：[design/设计整理-2026-03-12.md](design/%E8%AE%BE%E8%AE%A1%E6%95%B4%E7%90%86-2026-03-12.md)
+- 版本与协作约定：[design/版本与协作约定.md](design/%E7%89%88%E6%9C%AC%E4%B8%8E%E5%8D%8F%E4%BD%9C%E7%BA%A6%E5%AE%9A.md)
+
+## 常用命令

 ```bash
-npm run rules:sync
 npm run dev
 npm run build
+npm run rules:sync
 npm run rule:smoke
+npm run version:sync
+npm run release:patch
+npm run release:minor
+npm run release:major
 ```

-## Structure
+## 版本管理

- `src/`: web app, stores, services, views, and SQLite bridge
- `android/`: Capacitor Android shell and notification listener implementation
- `scripts/`: release and local verification scripts
- `src/config/notificationRules.js`: single source of truth for notification rules
+当前版本管理机制保留这套：
+- `package.json.version` 是单一版本源。
+- `npm run version:sync` 会同步 Android `versionCode/versionName`。
+- `npm run release:*` 负责 bump 版本、同步 Android、提交 release commit 并打 tag。

-## Notes
+建议按下面的方式使用：
+- 日常开发不要直接在 `main` 上堆改动，开 `feat/*` 或 `fix/*` 分支。
+- `main` 只保留已验证、准备发版的内容。
+- release 必须在干净工作区执行。

- Transaction data is stored locally.
- After editing notification rules, run `npm run rules:sync` to regenerate the Android rule file.
+当前仓库已经加了两条保护：
+- 只能在 `main` 分支执行 release。
+- 工作区有未提交改动时禁止 release。
+
+## 目录说明
+
+- `src/`：前端页面、状态、服务、SQLite 与 AI/通知逻辑。
+- `android/`：Capacitor Android 工程和通知监听原生实现。
+- `scripts/`：规则同步、版本同步、发布脚本。
+- `design/`：当前说明文档、历史设计稿和整理索引。
+
+## 说明
+
+- 通知规则单一来源：`src/config/notificationRules.js`
+- 修改通知规则后，需要执行一次 `npm run rules:sync`
+- 当前 AI 第一阶段使用本地 DeepSeek Key，正式发布前仍建议切到后端代理模式
--- a/android/app/build.gradle
+++ b/android/app/build.gradle
@@ -4,13 +4,15 @@ apply plugin: 'kotlin-android'
 android {
    namespace "com.echo.app"
    compileSdkVersion rootProject.ext.compileSdkVersion
+
    defaultConfig {
        applicationId "com.echo.app"
        minSdkVersion rootProject.ext.minSdkVersion
        targetSdkVersion rootProject.ext.targetSdkVersion
-        versionCode 301
-        versionName "0.3.1"
+        versionCode 400
+        versionName "0.4.0"
        testInstrumentationRunner "androidx.test.runner.AndroidJUnitRunner"
+
        aaptOptions {
            // Files and dirs to omit from the packaged assets dir, modified to accommodate modern web apps.
            // Default: https://android.googlesource.com/platform/frameworks/base/+/282e181b58cf72b6ca770dc7ca5f91f135444502/tools/aapt/AaptAssets.cpp#61
@@ -18,14 +20,14 @@ android {
        }
    }

-    // 显式统一 Java / Kotlin 的编译目标版本，保持与 Capacitor 生成配置一致（Java 21）
+    // Keep Java and Kotlin on the same JVM target to avoid Gradle compatibility errors.
    compileOptions {
-        sourceCompatibility JavaVersion.VERSION_21
-        targetCompatibility JavaVersion.VERSION_21
+        sourceCompatibility JavaVersion.VERSION_17
+        targetCompatibility JavaVersion.VERSION_17
    }

    kotlinOptions {
-        jvmTarget = '21'
+        jvmTarget = '17'
    }

    buildTypes {
@@ -37,7 +39,7 @@ android {
 }

 repositories {
-    flatDir{
+    flatDir {
        dirs '../capacitor-cordova-android-plugins/src/main/libs', 'libs'
    }
 }
@@ -54,4 +56,3 @@ dependencies {
 }

 apply from: 'capacitor.build.gradle'
-
--- a/android/app/src/main/java/com/echo/app/notification/NotificationDb.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationDb.kt
@@ -1,24 +1,22 @@
-package com.echo.app.notification
+package com.echo.app.notification

 import android.content.Context
+import android.database.Cursor
 import android.database.sqlite.SQLiteDatabase
 import android.database.sqlite.SQLiteOpenHelper
 import android.util.Log
 import java.util.UUID
 import java.util.concurrent.locks.ReentrantLock
 import kotlin.concurrent.withLock
+import kotlin.math.abs

-// 原生 SQLite 访问封装：与 @capacitor-community/sqlite 共用同一个 echo_local 数据库
+// Native SQLite access shared with @capacitor-community/sqlite.
 object NotificationDb {

    private const val TAG = "NotificationDb"
-
-    // 注意：前端通过 @capacitor-community/sqlite 使用的 DB 名为 "echo_local"
-    // 插件在 Android 上实际创建的文件名为 "<dbName>SQLite.db"
    private const val DB_FILE_NAME = "echo_localSQLite.db"
    private const val DB_VERSION = 1

-    // transactions 表结构需与 src/lib/sqlite.js 保持完全一致
    private const val SQL_CREATE_TRANSACTIONS = """
        CREATE TABLE IF NOT EXISTS transactions (
            id TEXT PRIMARY KEY NOT NULL,
@@ -27,11 +25,24 @@ object NotificationDb {
            category TEXT DEFAULT 'Uncategorized',
            date TEXT NOT NULL,
            note TEXT,
-            sync_status INTEGER DEFAULT 0
+            sync_status INTEGER DEFAULT 0,
+            entry_type TEXT DEFAULT 'expense',
+            fund_source_type TEXT DEFAULT 'cash',
+            fund_source_name TEXT,
+            fund_target_type TEXT DEFAULT 'merchant',
+            fund_target_name TEXT,
+            impact_expense INTEGER DEFAULT 1,
+            impact_income INTEGER DEFAULT 0,
+            ai_category TEXT,
+            ai_tags TEXT,
+            ai_confidence REAL,
+            ai_reason TEXT,
+            ai_status TEXT DEFAULT 'idle',
+            ai_model TEXT,
+            ai_normalized_merchant TEXT
        );
    """

-    // notifications_raw 表：用于调试与规则命中记录
    private const val SQL_CREATE_NOTIFICATIONS_RAW = """
        CREATE TABLE IF NOT EXISTS notifications_raw (
            id TEXT PRIMARY KEY NOT NULL,
@@ -47,18 +58,33 @@ object NotificationDb {
        );
    """

-    // 简单 SQLiteOpenHelper：主要用于定位与创建数据库文件
+    private val TRANSACTION_REQUIRED_COLUMNS = linkedMapOf(
+        "entry_type" to "TEXT DEFAULT 'expense'",
+        "fund_source_type" to "TEXT DEFAULT 'cash'",
+        "fund_source_name" to "TEXT",
+        "fund_target_type" to "TEXT DEFAULT 'merchant'",
+        "fund_target_name" to "TEXT",
+        "impact_expense" to "INTEGER DEFAULT 1",
+        "impact_income" to "INTEGER DEFAULT 0",
+        "ai_category" to "TEXT",
+        "ai_tags" to "TEXT",
+        "ai_confidence" to "REAL",
+        "ai_reason" to "TEXT",
+        "ai_status" to "TEXT DEFAULT 'idle'",
+        "ai_model" to "TEXT",
+        "ai_normalized_merchant" to "TEXT",
+    )
+
    private class EchoDbHelper(context: Context) :
        SQLiteOpenHelper(context, DB_FILE_NAME, null, DB_VERSION) {

        override fun onCreate(db: SQLiteDatabase) {
-            // 正常情况下，数据表由前端首次启动时创建；此处作为兜底
            db.execSQL(SQL_CREATE_TRANSACTIONS)
            db.execSQL(SQL_CREATE_NOTIFICATIONS_RAW)
        }

        override fun onUpgrade(db: SQLiteDatabase, oldVersion: Int, newVersion: Int) {
-            // 当前仅有 v1，暂不实现升级逻辑；未来如有版本变更再补充
+            // No-op for now.
        }
    }

@@ -69,22 +95,37 @@ object NotificationDb {
    private var schemaInitialized = false

    private fun getHelper(context: Context): EchoDbHelper {
-        // 使用 applicationContext 避免泄漏 Activity
        val appContext = context.applicationContext
        return helper ?: synchronized(this) {
            helper ?: EchoDbHelper(appContext).also { helper = it }
        }
    }

+    private fun ensureTableColumns(db: SQLiteDatabase, tableName: String, requiredColumns: Map<String, String>) {
+        val existingColumns = mutableSetOf<String>()
+        val cursor: Cursor = db.rawQuery("PRAGMA table_info($tableName)", null)
+        cursor.use {
+            val nameIndex = it.getColumnIndex("name")
+            while (it.moveToNext()) {
+                existingColumns += it.getString(nameIndex)
+            }
+        }
+
+        requiredColumns.forEach { (columnName, definition) ->
+            if (!existingColumns.contains(columnName)) {
+                db.execSQL("ALTER TABLE $tableName ADD COLUMN $columnName $definition")
+            }
+        }
+    }
+
    private fun ensureSchema(db: SQLiteDatabase) {
        if (schemaInitialized) return
-        // 多线程下可能执行多次，但都是幂等的 IF NOT EXISTS，性能成本极低
        db.execSQL(SQL_CREATE_TRANSACTIONS)
        db.execSQL(SQL_CREATE_NOTIFICATIONS_RAW)
+        ensureTableColumns(db, "transactions", TRANSACTION_REQUIRED_COLUMNS)
        schemaInitialized = true
    }

-    // 用于规则引擎输入的原始通知模型
    data class RawNotification(
        val sourceId: String,
        val packageName: String,
@@ -94,16 +135,6 @@ object NotificationDb {
        val postedAt: String
    )

-    /**
-     * 处理单条通知：
-     * 1. 写入 notifications_raw，初始 status = 'unmatched'
-     * 2. 调用 NotificationRuleEngine 做规则解析
-     * 3. 命中规则时：
-     *    - 写入一条 transactions 记录
-     *    - 更新 notifications_raw.status = 'matched'，补充 rule_id、transaction_id
-     * 4. 解析异常时：
-     *    - 更新 notifications_raw.status = 'error'，写入 error_message
-     */
    fun processAndStoreNotification(context: Context, raw: RawNotification) {
        lock.withLock {
            val db = getHelper(context).writableDatabase
@@ -117,7 +148,6 @@ object NotificationDb {

            db.beginTransaction()
            try {
-                // 写入 notifications_raw（初始 unmatched）
                db.compileStatement(
                    """
                    INSERT INTO notifications_raw (
@@ -127,16 +157,8 @@ object NotificationDb {
                ).apply {
                    bindString(1, rawId)
                    bindString(2, raw.sourceId)
-                    if (raw.channel != null) {
-                        bindString(3, raw.channel)
-                    } else {
-                        bindNull(3)
-                    }
-                    if (raw.title != null) {
-                        bindString(4, raw.title)
-                    } else {
-                        bindNull(4)
-                    }
+                    if (raw.channel != null) bindString(3, raw.channel) else bindNull(3)
+                    if (raw.title != null) bindString(4, raw.title) else bindNull(4)
                    bindString(5, raw.text)
                    bindString(6, raw.postedAt)
                    bindString(7, status)
@@ -144,34 +166,37 @@ object NotificationDb {
                    close()
                }

-                // 调用规则引擎
                val parsed = NotificationRuleEngine.parse(raw)

                if (parsed != null) {
                    ruleId = parsed.ruleId
-
-                    // 与 JS 侧逻辑保持一致：
-                    // requiresConfirmation = !(autoCapture && amount!=0 && merchant!='Unknown')
                    val hasAmount = parsed.amount != 0.0
-                    val merchantKnown =
-                        parsed.merchant.isNotBlank() && parsed.merchant != "Unknown"
+                    val merchantKnown = parsed.merchant.isNotBlank() && parsed.merchant != "Unknown"
                    val requiresConfirmation = !(parsed.autoCapture && hasAmount && merchantKnown)

                    if (!requiresConfirmation) {
-                        // 统一按照设计文档：支出为负数，收入为正数
-                        val signedAmount = if (parsed.isExpense) {
-                            -kotlin.math.abs(parsed.amount)
-                        } else {
-                            kotlin.math.abs(parsed.amount)
-                        }
+                        val signedAmount = if (parsed.isExpense) -abs(parsed.amount) else abs(parsed.amount)
                        transactionId = UUID.randomUUID().toString()
                        status = "matched"

                        db.compileStatement(
                            """
                            INSERT INTO transactions (
-                                id, amount, merchant, category, date, note, sync_status
-                            ) VALUES (?, ?, ?, ?, ?, ?, ?)
+                                id,
+                                amount,
+                                merchant,
+                                category,
+                                date,
+                                note,
+                                sync_status,
+                                entry_type,
+                                fund_source_type,
+                                fund_source_name,
+                                fund_target_type,
+                                fund_target_name,
+                                impact_expense,
+                                impact_income
+                            ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
                            """.trimIndent()
                        ).apply {
                            bindString(1, transactionId)
@@ -179,23 +204,21 @@ object NotificationDb {
                            bindString(3, parsed.merchant)
                            bindString(4, parsed.category)
                            bindString(5, raw.postedAt)
-                            if (parsed.note != null) {
-                                bindString(6, parsed.note)
-                            } else {
-                                bindNull(6)
-                            }
-                            // sync_status: 0 = pending（本地生成，尚未同步）
+                            if (parsed.note != null) bindString(6, parsed.note) else bindNull(6)
                            bindLong(7, 0L)
+                            bindString(8, parsed.entryType)
+                            bindString(9, parsed.fundSourceType)
+                            bindString(10, parsed.fundSourceName)
+                            bindString(11, parsed.fundTargetType)
+                            bindString(12, parsed.fundTargetName)
+                            bindLong(13, if (parsed.impactExpense) 1L else 0L)
+                            bindLong(14, if (parsed.impactIncome) 1L else 0L)
                            executeInsert()
                            close()
                        }
-                    } else {
-                        // 保持 status = 'unmatched'，但记录命中的 rule_id，方便前端调试视图展示“有推荐规则”
-                        status = "unmatched"
                    }
                }

-                // 根据结果更新 notifications_raw 状态
                db.compileStatement(
                    """
                    UPDATE notifications_raw
@@ -204,21 +227,9 @@ object NotificationDb {
                    """.trimIndent()
                ).apply {
                    bindString(1, status)
-                    if (ruleId != null) {
-                        bindString(2, ruleId)
-                    } else {
-                        bindNull(2)
-                    }
-                    if (transactionId != null) {
-                        bindString(3, transactionId)
-                    } else {
-                        bindNull(3)
-                    }
-                    if (errorMessage != null) {
-                        bindString(4, errorMessage)
-                    } else {
-                        bindNull(4)
-                    }
+                    if (ruleId != null) bindString(2, ruleId) else bindNull(2)
+                    if (transactionId != null) bindString(3, transactionId) else bindNull(3)
+                    if (errorMessage != null) bindString(4, errorMessage) else bindNull(4)
                    bindString(5, rawId)
                    executeUpdateDelete()
                    close()
@@ -226,8 +237,7 @@ object NotificationDb {

                db.setTransactionSuccessful()
            } catch (e: Exception) {
-                // 若解析阶段抛异常，尽量在同一事务中回写 error 状态
-                Log.e(TAG, "处理通知并写入 SQLite 失败", e)
+                Log.e(TAG, "processAndStoreNotification failed", e)
                status = "error"
                errorMessage = e.message ?: e.toString()
                try {
@@ -239,13 +249,13 @@ object NotificationDb {
                        """.trimIndent()
                    ).apply {
                        bindString(1, status)
-                        bindString(2, errorMessage!!)
+                        bindString(2, errorMessage)
                        bindString(3, rawId)
                        executeUpdateDelete()
                        close()
                    }
                } catch (inner: Exception) {
-                    Log.e(TAG, "更新 notifications_raw 错误状态失败", inner)
+                    Log.e(TAG, "failed to update notifications_raw error state", inner)
                }
            } finally {
                db.endTransaction()
--- a/android/app/src/main/java/com/echo/app/notification/NotificationRuleData.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationRuleData.kt
@@ -10,6 +10,15 @@ internal object NotificationRuleData {
            keywords = listOf("支付", "扣款", "支出", "消费", "成功支付"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "cash",
+            fundSourceName = "支付宝余额",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Food",
            autoCapture = false,
            merchantPattern = Regex("(?:向|收款方|商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)", setOf(RegexOption.IGNORE_CASE)),
@@ -22,6 +31,15 @@ internal object NotificationRuleData {
            keywords = listOf("到账", "收入", "收款", "入账"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "cash",
+            fundTargetName = "支付宝余额",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|收款方|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)", setOf(RegexOption.IGNORE_CASE)),
@@ -34,6 +52,15 @@ internal object NotificationRuleData {
            keywords = listOf("支付", "支出", "扣款", "消费成功"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "cash",
+            fundSourceName = "微信余额",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Groceries",
            autoCapture = false,
            merchantPattern = Regex("(?:向|收款方|商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -46,6 +73,15 @@ internal object NotificationRuleData {
            keywords = listOf("收款", "到账", "入账", "转入"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "cash",
+            fundTargetName = "微信余额",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|收款方|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -58,6 +94,15 @@ internal object NotificationRuleData {
            keywords = listOf("工资", "薪资", "代发", "到账", "入账", "收入"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.INCOME,
+            entryType = "income",
+            fundSourceType = "external",
+            fundSourceName = "外部转入",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "bank",
+            fundTargetName = "银行卡",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = true,
            defaultCategory = "Income",
            autoCapture = true,
            merchantPattern = Regex("(?:来自|付款方|来源)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
@@ -70,11 +115,62 @@ internal object NotificationRuleData {
            keywords = listOf("支出", "消费", "扣款", "刷卡消费", "银联消费"),
            requiredTextPatterns = emptyList(),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "bank",
+            fundSourceName = "银行卡",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Expense",
            autoCapture = false,
            merchantPattern = Regex("(?:商户|商家|消费商户)\\s*([\\u4e00-\\u9fa5A-Za-z0-9\\s&-]+)"),
            defaultMerchant = null,
        ),
+        NotificationRuleDefinition(
+            id = "stored-value-topup",
+            label = "储值账户充值",
+            channels = listOf("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"),
+            keywords = listOf("充值", "充值成功", "充值到账", "钱包充值", "卡内充值"),
+            requiredTextPatterns = emptyList(),
+            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "transfer",
+            fundSourceType = "cash",
+            fundSourceName = "现金账户",
+            fundSourceNameFromChannel = false,
+            fundTargetType = "stored_value",
+            fundTargetName = null,
+            fundTargetNameFromChannel = true,
+            impactExpense = false,
+            impactIncome = false,
+            defaultCategory = "Transfer",
+            autoCapture = true,
+            merchantPattern = null,
+            defaultMerchant = "储值账户充值",
+        ),
+        NotificationRuleDefinition(
+            id = "stored-value-refund",
+            label = "储值账户退款",
+            channels = listOf("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"),
+            keywords = listOf("退款", "退资", "退卡", "余额退回", "退款成功"),
+            requiredTextPatterns = emptyList(),
+            direction = NotificationRuleDirection.INCOME,
+            entryType = "transfer",
+            fundSourceType = "stored_value",
+            fundSourceName = null,
+            fundSourceNameFromChannel = true,
+            fundTargetType = "cash",
+            fundTargetName = "现金账户",
+            fundTargetNameFromChannel = false,
+            impactExpense = false,
+            impactIncome = false,
+            defaultCategory = "Transfer",
+            autoCapture = true,
+            merchantPattern = null,
+            defaultMerchant = "储值账户退款",
+        ),
        NotificationRuleDefinition(
            id = "transit-card-expense",
            label = "公交出行",
@@ -82,6 +178,15 @@ internal object NotificationRuleData {
            keywords = emptyList(),
            requiredTextPatterns = listOf("扣费", "扣款", "支付", "乘车码", "车费", "票价", "本次乘车", "实付", "优惠后"),
            direction = NotificationRuleDirection.EXPENSE,
+            entryType = "expense",
+            fundSourceType = "stored_value",
+            fundSourceName = null,
+            fundSourceNameFromChannel = true,
+            fundTargetType = "merchant",
+            fundTargetName = null,
+            fundTargetNameFromChannel = false,
+            impactExpense = true,
+            impactIncome = false,
            defaultCategory = "Transport",
            autoCapture = true,
            merchantPattern = Regex("([\\u4e00-\\u9fa5]{2,}\\s*(?:-|->|→|至|到)\\s*[\\u4e00-\\u9fa5]{2,})"),
--- a/android/app/src/main/java/com/echo/app/notification/NotificationRuleEngine.kt
+++ b/android/app/src/main/java/com/echo/app/notification/NotificationRuleEngine.kt
@@ -14,6 +14,15 @@ internal data class NotificationRuleDefinition(
    val keywords: List<String> = emptyList(),
    val requiredTextPatterns: List<String> = emptyList(),
    val direction: NotificationRuleDirection,
+    val entryType: String = "expense",
+    val fundSourceType: String = "cash",
+    val fundSourceName: String? = null,
+    val fundSourceNameFromChannel: Boolean = false,
+    val fundTargetType: String = "merchant",
+    val fundTargetName: String? = null,
+    val fundTargetNameFromChannel: Boolean = false,
+    val impactExpense: Boolean = true,
+    val impactIncome: Boolean = false,
    val defaultCategory: String,
    val autoCapture: Boolean,
    val merchantPattern: Regex? = null,
@@ -30,6 +39,13 @@ object NotificationRuleEngine {
        val category: String,
        val amount: Double,
        val isExpense: Boolean,
+        val entryType: String,
+        val fundSourceType: String,
+        val fundSourceName: String,
+        val fundTargetType: String,
+        val fundTargetName: String,
+        val impactExpense: Boolean,
+        val impactIncome: Boolean,
        val note: String?,
        val autoCapture: Boolean,
    )
@@ -60,11 +76,24 @@ object NotificationRuleEngine {
            category = rule.defaultCategory.ifBlank { "Uncategorized" },
            amount = amount,
            isExpense = rule.direction == NotificationRuleDirection.EXPENSE,
+            entryType = rule.entryType,
+            fundSourceType = rule.fundSourceType,
+            fundSourceName = resolveLedgerName(raw.channel, rule.fundSourceName, rule.fundSourceNameFromChannel),
+            fundTargetType = rule.fundTargetType,
+            fundTargetName = resolveLedgerName(raw.channel, rule.fundTargetName, rule.fundTargetNameFromChannel)
+                .ifBlank { if (rule.entryType == "expense") merchant else "" },
+            impactExpense = rule.impactExpense,
+            impactIncome = rule.impactIncome,
            note = content.take(200),
            autoCapture = rule.autoCapture,
        )
    }

+    private fun resolveLedgerName(channel: String?, configuredName: String?, fromChannel: Boolean): String {
+        if (fromChannel && !channel.isNullOrBlank()) return channel
+        return configuredName.orEmpty()
+    }
+
    private fun matchRule(
        raw: NotificationDb.RawNotification,
        text: String,
@@ -80,17 +109,25 @@ object NotificationRuleEngine {
        val keywordHit =
            rule.keywords.isEmpty() || rule.keywords.any { text.contains(it) }
        val requiredTextHit =
-            rule.requiredTextPatterns.isEmpty() || rule.requiredTextPatterns.any { text.contains(it) }
+            rule.requiredTextPatterns.isEmpty() ||
+                rule.requiredTextPatterns.any { text.contains(it) } ||
+                hasTransitRouteAmountFallback(rule, text)

        return channelHit && keywordHit && requiredTextHit
    }

+    private fun hasTransitRouteAmountFallback(rule: NotificationRuleDefinition, text: String): Boolean {
+        if (rule.id != "transit-card-expense") return false
+        return Regex("""[\u4e00-\u9fa5]{2,}\s*(?:-|->|→|至|到)\s*[\u4e00-\u9fa5]{2,}[：:]?\s*\d+(?:\.\d{1,2})?\s*(?:元|块|块钱)""")
+            .containsMatchIn(text)
+    }
+
    private fun extractAmount(text: String): Double {
        val normalized = text.replace(",", "").trim()
        val patterns = listOf(
            Regex("""(?:￥|¥|RMB|CNY|人民币)\s*(-?\d+(?:\.\d{1,2})?)""", RegexOption.IGNORE_CASE),
            Regex("""(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)"""),
-            Regex("""(?: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})?)"""),
+            Regex("""(?: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})?)"""),
            Regex("""(-?\d+(?:\.\d{1,2})?)\s*(?:元|块|块钱)?\s*(?:已支付|已收款|到账|入账)"""),
        )

--- a/package-lock.json
+++ b/package-lock.json
@@ -1,12 +1,12 @@
 {
  "name": "echo-app",
-  "version": "0.3.1",
+  "version": "0.4.0",
  "lockfileVersion": 3,
  "requires": true,
  "packages": {
    "": {
      "name": "echo-app",
-      "version": "0.3.1",
+      "version": "0.4.0",
      "dependencies": {
        "@capacitor-community/sqlite": "^5.7.2",
        "@capacitor/android": "^5.7.8",
--- a/package.json
+++ b/package.json
@@ -1,7 +1,7 @@
 {
  "name": "echo-app",
  "private": true,
-  "version": "0.3.1",
+  "version": "0.4.0",
  "type": "module",
  "scripts": {
    "dev": "vite --host 0.0.0.0",
--- a/scripts/release.cjs
+++ b/scripts/release.cjs
@@ -1,5 +1,4 @@
-/* 自定义发布脚本：接管 npm version + Android 版本同步 + git 提交与打 tag */
-const { execSync } = require('child_process')
+const { execSync } = require('child_process')
 const fs = require('fs')
 const path = require('path')

@@ -10,23 +9,34 @@ const run = (cmd) => {
  execSync(cmd, { stdio: 'inherit', cwd: rootDir })
 }

+const read = (cmd) => execSync(cmd, { cwd: rootDir, encoding: 'utf8' }).trim()
+
 const readJson = (file) =>
  JSON.parse(fs.readFileSync(path.join(rootDir, file), 'utf8'))

+const ensureReleaseReady = () => {
+  const branch = read('git branch --show-current')
+  if (branch !== 'main') {
+    throw new Error(`release 只能在 main 分支执行，当前分支：${branch}`)
+  }
+
+  const status = read('git status --short')
+  if (status) {
+    throw new Error('release 前请先提交或清理当前改动，工作区必须保持干净')
+  }
+}
+
 const main = () => {
-  const type = process.argv[2] || 'patch' // patch / minor / major
+  const type = process.argv[2] || 'patch'
+
+  ensureReleaseReady()

-  // 1）仅更新 version 字段，不让 npm 自动 commit / tag（.npmrc 已全局禁止，但这里再显式加一层保险）
  run(`npm version ${type} --no-git-tag-version`)
-
-  // 2）同步 Android 版本（versionCode / versionName）
  run('npm run version:sync')

-  // 3）读取新版本号
  const pkg = readJson('package.json')
  const version = pkg.version

-  // 4）只提交与版本相关的文件，避免误提交其它开发中的改动
  const filesToAdd = [
    'package.json',
    'package-lock.json',
@@ -34,7 +44,6 @@ const main = () => {
  ]
  run(`git add ${filesToAdd.join(' ')}`)

-  // 5）提交并打 tag
  run(`git commit -m "chore: release v${version}"`)
  run(`git tag v${version}`)

@@ -42,4 +51,3 @@ const main = () => {
 }

 main()
-
--- a/scripts/rule-smoke.mjs
+++ b/scripts/rule-smoke.mjs
@@ -25,6 +25,56 @@ const cases = [
    verify(result) {
      assert.equal(result.rule?.id, 'transit-card-expense')
      assert.equal(result.transaction.amount, -2)
+      assert.equal(result.transaction.fundSourceType, 'stored_value')
+      assert.equal(result.transaction.impactExpense, true)
+    },
+  },
+  {
+    name: 'capture transit expense from route and fare only',
+    notification: {
+      id: 'n2b',
+      channel: '杭州通互联互通卡',
+      text: '武林广场->古荡：2.10元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'transit-card-expense')
+      assert.equal(result.transaction.amount, -2.1)
+      assert.equal(result.transaction.category, 'Transport')
+      assert.equal(result.transaction.fundSourceName, '杭州通互联互通卡')
+    },
+  },
+  {
+    name: 'capture stored value topup as transfer',
+    notification: {
+      id: 'n2c',
+      channel: '杭州通互联互通卡',
+      text: '充值成功20元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'stored-value-topup')
+      assert.equal(result.transaction.entryType, 'transfer')
+      assert.equal(result.transaction.category, 'Transfer')
+      assert.equal(result.transaction.amount, -20)
+      assert.equal(result.transaction.impactExpense, false)
+      assert.equal(result.transaction.fundTargetName, '杭州通互联互通卡')
+    },
+  },
+  {
+    name: 'capture stored value refund as transfer',
+    notification: {
+      id: 'n2d',
+      channel: '杭州通互联互通卡',
+      text: '退款成功5元',
+      createdAt: '2026-03-11T00:00:00.000Z',
+    },
+    verify(result) {
+      assert.equal(result.rule?.id, 'stored-value-refund')
+      assert.equal(result.transaction.entryType, 'transfer')
+      assert.equal(result.transaction.amount, 5)
+      assert.equal(result.transaction.impactIncome, false)
+      assert.equal(result.transaction.fundSourceName, '杭州通互联互通卡')
    },
  },
  {
--- a/scripts/sync-notification-rules.mjs
+++ b/scripts/sync-notification-rules.mjs
@@ -1,4 +1,4 @@
-import fs from 'node:fs'
+import fs from 'node:fs'
 import path from 'node:path'
 import notificationRules from '../src/config/notificationRules.js'

@@ -28,6 +28,8 @@ const toKotlinRegex = (spec) => {
  return `Regex(${toKotlinString(spec.pattern)}${flags})`
 }

+const toOptionalString = (value) => (value ? toKotlinString(value) : 'null')
+
 const toRuleBlock = (rule) => `        NotificationRuleDefinition(
            id = ${toKotlinString(rule.id)},
            label = ${toKotlinString(rule.label)},
@@ -35,12 +37,19 @@ const toRuleBlock = (rule) => `        NotificationRuleDefinition(
            keywords = ${toKotlinStringList(rule.keywords)},
            requiredTextPatterns = ${toKotlinStringList(rule.requiredTextPatterns)},
            direction = NotificationRuleDirection.${rule.direction === 'income' ? 'INCOME' : 'EXPENSE'},
+            entryType = ${toKotlinString(rule.entryType || 'expense')},
+            fundSourceType = ${toKotlinString(rule.fundSourceType || 'cash')},
+            fundSourceName = ${toOptionalString(rule.fundSourceName)},
+            fundSourceNameFromChannel = ${rule.fundSourceNameFromChannel ? 'true' : 'false'},
+            fundTargetType = ${toKotlinString(rule.fundTargetType || 'merchant')},
+            fundTargetName = ${toOptionalString(rule.fundTargetName)},
+            fundTargetNameFromChannel = ${rule.fundTargetNameFromChannel ? 'true' : 'false'},
+            impactExpense = ${rule.impactExpense === false ? 'false' : 'true'},
+            impactIncome = ${rule.impactIncome ? 'true' : 'false'},
            defaultCategory = ${toKotlinString(rule.defaultCategory)},
            autoCapture = ${rule.autoCapture ? 'true' : 'false'},
            merchantPattern = ${toKotlinRegex(rule.merchantPattern)},
-            defaultMerchant = ${
-              rule.defaultMerchant ? toKotlinString(rule.defaultMerchant) : 'null'
-            },
+            defaultMerchant = ${toOptionalString(rule.defaultMerchant)},
        )`

 const content = `package com.echo.app.notification
--- a/scripts/sync-version.cjs
+++ b/scripts/sync-version.cjs
@@ -1,5 +1,4 @@
-/* 同步前端 package.json 的版本号到 Android 工程（versionCode / versionName） */
-const fs = require('fs')
+const fs = require('fs')
 const path = require('path')

 const rootDir = path.resolve(__dirname, '..')
@@ -16,7 +15,7 @@ const calcVersionCode = (version) => {
  const [major = 0, minor = 0, patch = 0] = String(version)
    .split('.')
    .map((n) => Number.parseInt(n, 10) || 0)
-  // 简单规则：MMmmpp → 1.2.3 => 10203，足够覆盖 0–99 范围
+
  return major * 10000 + minor * 100 + patch
 }

@@ -49,4 +48,3 @@ const main = () => {
 }

 main()
-
--- a/src/config/aiStatus.js
+++ b/src/config/aiStatus.js
@@ -0,0 +1,28 @@
+export const AI_STATUS_META = {
+  running: {
+    label: 'AI 分类中',
+    icon: 'ph-circle-notch',
+    className: 'bg-amber-50 text-amber-700 border-amber-200',
+    iconClassName: 'animate-spin',
+  },
+  applied: {
+    label: 'AI 已补全',
+    icon: 'ph-sparkle',
+    className: 'bg-violet-50 text-violet-700 border-violet-200',
+    iconClassName: '',
+  },
+  suggested: {
+    label: 'AI 建议',
+    icon: 'ph-lightbulb',
+    className: 'bg-sky-50 text-sky-700 border-sky-200',
+    iconClassName: '',
+  },
+  failed: {
+    label: 'AI 失败',
+    icon: 'ph-warning',
+    className: 'bg-stone-100 text-stone-500 border-stone-200',
+    iconClassName: '',
+  },
+}
+
+export const getAiStatusMeta = (status) => AI_STATUS_META[status] || null
--- a/src/config/ledger.js
+++ b/src/config/ledger.js
@@ -0,0 +1,76 @@
+export const TRANSACTION_ENTRY_TYPES = [
+  { value: 'expense', label: '支出' },
+  { value: 'income', label: '收入' },
+  { value: 'transfer', label: '转账' },
+]
+
+export const ACCOUNT_TYPE_META = {
+  cash: { label: '现金账户' },
+  bank: { label: '银行卡' },
+  credit: { label: '信用账户' },
+  stored_value: { label: '储值账户' },
+  merchant: { label: '商户' },
+  income_source: { label: '收入来源' },
+  external: { label: '外部账户' },
+  unknown: { label: '未分类账户' },
+}
+
+export const STORED_VALUE_WALLET_KINDS = [
+  { value: 'transit', label: '交通卡 / 乘车码' },
+  { value: 'campus', label: '校园卡' },
+  { value: 'meal', label: '饭卡' },
+  { value: 'parking', label: '停车卡' },
+  { value: 'fuel', label: '加油卡' },
+  { value: 'toll', label: '通行卡' },
+  { value: 'gift', label: '礼品卡 / 会员储值' },
+  { value: 'other', label: '其他储值' },
+]
+
+export const DEFAULT_LEDGER_BY_ENTRY_TYPE = {
+  expense: {
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
+  },
+  income: {
+    entryType: 'income',
+    fundSourceType: 'income_source',
+    fundSourceName: '收入来源',
+    fundTargetType: 'cash',
+    fundTargetName: '现金账户',
+    impactExpense: false,
+    impactIncome: true,
+  },
+  transfer: {
+    entryType: 'transfer',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'stored_value',
+    fundTargetName: '储值账户',
+    impactExpense: false,
+    impactIncome: false,
+  },
+}
+
+export const getEntryTypeLabel = (value) =>
+  TRANSACTION_ENTRY_TYPES.find((item) => item.value === value)?.label || '记录'
+
+export const getAccountTypeLabel = (value) => ACCOUNT_TYPE_META[value]?.label || ACCOUNT_TYPE_META.unknown.label
+
+export const isStoredValueAccountType = (value) => value === 'stored_value'
+
+export const shouldCountAsExpense = (transaction) =>
+  transaction?.impactExpense !== false && transaction?.entryType !== 'transfer' && Number(transaction?.amount) < 0
+
+export const shouldCountAsIncome = (transaction) =>
+  transaction?.impactIncome !== false && transaction?.entryType !== 'transfer' && Number(transaction?.amount) > 0
+
+export const getTransferSummary = (transaction) => {
+  const source = transaction?.fundSourceName || getAccountTypeLabel(transaction?.fundSourceType)
+  const target = transaction?.fundTargetName || getAccountTypeLabel(transaction?.fundTargetType)
+  return `${source} → ${target}`
+}
--- a/src/config/notificationRules.js
+++ b/src/config/notificationRules.js
@@ -1,4 +1,22 @@
-const notificationRules = [
+const transitStoredValueChannels = [
+  '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',
+]
+
+const notificationRules = [
  {
    id: 'alipay-expense',
    label: '支付宝消费',
@@ -6,6 +24,13 @@
    keywords: ['支付', '扣款', '支出', '消费', '成功支付'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '支付宝余额',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Food',
    autoCapture: false,
    merchantPattern: {
@@ -21,6 +46,13 @@
    keywords: ['到账', '收入', '收款', '入账'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'cash',
+    fundTargetName: '支付宝余额',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -36,6 +68,13 @@
    keywords: ['支付', '支出', '扣款', '消费成功'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'cash',
+    fundSourceName: '微信余额',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Groceries',
    autoCapture: false,
    merchantPattern: {
@@ -51,6 +90,13 @@
    keywords: ['收款', '到账', '入账', '转入'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'cash',
+    fundTargetName: '微信余额',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -79,6 +125,13 @@
    keywords: ['工资', '薪资', '代发', '到账', '入账', '收入'],
    requiredTextPatterns: [],
    direction: 'income',
+    entryType: 'income',
+    fundSourceType: 'external',
+    fundSourceName: '外部转入',
+    fundTargetType: 'bank',
+    fundTargetName: '银行卡',
+    impactExpense: false,
+    impactIncome: true,
    defaultCategory: 'Income',
    autoCapture: true,
    merchantPattern: {
@@ -109,6 +162,13 @@
    keywords: ['支出', '消费', '扣款', '刷卡消费', '银联消费'],
    requiredTextPatterns: [],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'bank',
+    fundSourceName: '银行卡',
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Expense',
    autoCapture: false,
    merchantPattern: {
@@ -117,29 +177,61 @@
    },
    defaultMerchant: '',
  },
+  {
+    id: 'stored-value-topup',
+    label: '储值账户充值',
+    channels: transitStoredValueChannels,
+    keywords: ['充值', '充值成功', '充值到账', '钱包充值', '卡内充值'],
+    requiredTextPatterns: [],
+    direction: 'expense',
+    entryType: 'transfer',
+    fundSourceType: 'cash',
+    fundSourceName: '现金账户',
+    fundTargetType: 'stored_value',
+    fundTargetName: '',
+    fundTargetNameFromChannel: true,
+    impactExpense: false,
+    impactIncome: false,
+    defaultCategory: 'Transfer',
+    autoCapture: true,
+    merchantPattern: null,
+    defaultMerchant: '储值账户充值',
+  },
+  {
+    id: 'stored-value-refund',
+    label: '储值账户退款',
+    channels: transitStoredValueChannels,
+    keywords: ['退款', '退资', '退卡', '余额退回', '退款成功'],
+    requiredTextPatterns: [],
+    direction: 'income',
+    entryType: 'transfer',
+    fundSourceType: 'stored_value',
+    fundSourceName: '',
+    fundSourceNameFromChannel: true,
+    fundTargetType: 'cash',
+    fundTargetName: '现金账户',
+    impactExpense: false,
+    impactIncome: false,
+    defaultCategory: 'Transfer',
+    autoCapture: true,
+    merchantPattern: null,
+    defaultMerchant: '储值账户退款',
+  },
  {
    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',
-    ],
+    channels: transitStoredValueChannels,
    keywords: [],
    requiredTextPatterns: ['扣费', '扣款', '支付', '乘车码', '车费', '票价', '本次乘车', '实付', '优惠后'],
    direction: 'expense',
+    entryType: 'expense',
+    fundSourceType: 'stored_value',
+    fundSourceName: '',
+    fundSourceNameFromChannel: true,
+    fundTargetType: 'merchant',
+    fundTargetName: '',
+    impactExpense: true,
+    impactIncome: false,
    defaultCategory: 'Transport',
    autoCapture: true,
    merchantPattern: {
--- a/src/config/transactionCategories.js
+++ b/src/config/transactionCategories.js
@@ -47,6 +47,14 @@
    color: 'text-stone-600',
    budgetable: true,
  },
+  {
+    value: 'Transfer',
+    label: '转账',
+    icon: 'ph-arrows-left-right',
+    bg: 'bg-cyan-100',
+    color: 'text-cyan-700',
+    budgetable: false,
+  },
  {
    value: 'Income',
    label: '收入',
@@ -84,7 +92,6 @@ export const DEFAULT_CATEGORY_BUDGETS = BUDGET_CATEGORY_OPTIONS.reduce((acc, cat
  return acc
 }, {})

-export const getCategoryMeta = (category) =>
-  CATEGORY_META[category] || CATEGORY_META.Uncategorized
+export const getCategoryMeta = (category) => CATEGORY_META[category] || CATEGORY_META.Uncategorized

 export const getCategoryLabel = (category) => getCategoryMeta(category).label
--- a/src/config/transactionTags.js
+++ b/src/config/transactionTags.js
@@ -0,0 +1,21 @@
+export const AI_TRANSACTION_TAGS = [
+  '餐饮',
+  '通勤',
+  '买菜',
+  '娱乐',
+  '订阅',
+  '家庭',
+  '工作',
+  '报销',
+  '夜间消费',
+  '固定支出',
+  '冲动消费',
+]
+
+export const AI_PROVIDER_OPTIONS = [
+  { label: 'DeepSeek', value: 'deepseek' },
+]
+
+export const AI_MODEL_OPTIONS = [
+  { label: 'deepseek-chat', value: 'deepseek-chat' },
+]
--- a/src/lib/aiPrompt.js
+++ b/src/lib/aiPrompt.js
@@ -0,0 +1,172 @@
+import {
+  getCategoryLabel,
+  TRANSACTION_CATEGORIES,
+} from '../config/transactionCategories.js'
+import {
+  getTransferSummary,
+  shouldCountAsExpense,
+  shouldCountAsIncome,
+} from '../config/ledger.js'
+import { AI_TRANSACTION_TAGS } from '../config/transactionTags.js'
+
+const categoryValues = TRANSACTION_CATEGORIES.map((item) => item.value)
+
+const formatAmount = (value) => Number(value || 0).toFixed(2)
+
+const buildExpenseCategoryBreakdown = (transactions) => {
+  const categoryMap = new Map()
+
+  transactions.forEach((transaction) => {
+    if (!shouldCountAsExpense(transaction)) return
+    const category = transaction.category || 'Uncategorized'
+    const nextTotal = (categoryMap.get(category) || 0) + Math.abs(Number(transaction.amount) || 0)
+    categoryMap.set(category, nextTotal)
+  })
+
+  return Array.from(categoryMap.entries())
+    .sort((a, b) => b[1] - a[1])
+    .slice(0, 5)
+    .map(([category, total]) => ({
+      category,
+      label: getCategoryLabel(category),
+      total: Number(total.toFixed(2)),
+    }))
+}
+
+const buildTransferSample = (transactions) =>
+  transactions
+    .filter((transaction) => transaction.entryType === 'transfer')
+    .slice(0, 10)
+    .map((transaction) => ({
+      date: transaction.date,
+      amount: Number(transaction.amount || 0),
+      summary: getTransferSummary(transaction),
+      merchant: transaction.merchant || '',
+    }))
+
+const buildRecentTransactionSample = (transactions) =>
+  transactions.slice(0, 20).map((transaction) => ({
+    date: transaction.date,
+    merchant: transaction.merchant || 'Unknown',
+    amount: Number(transaction.amount || 0),
+    category: transaction.category || 'Uncategorized',
+    categoryLabel: getCategoryLabel(transaction.category || 'Uncategorized'),
+    note: transaction.note || '',
+    entryType: transaction.entryType || (transaction.amount >= 0 ? 'income' : 'expense'),
+    transferSummary: transaction.entryType === 'transfer' ? getTransferSummary(transaction) : '',
+    aiCategory: transaction.aiCategory || '',
+    aiTags: transaction.aiTags || [],
+  }))
+
+const buildLedgerSummary = (transactions = []) => {
+  const normalizedTransactions = [...transactions]
+    .sort((a, b) => new Date(b.date) - new Date(a.date))
+    .slice(0, 80)
+
+  const totalIncome = normalizedTransactions.reduce(
+    (sum, item) => (shouldCountAsIncome(item) ? sum + Number(item.amount || 0) : sum),
+    0,
+  )
+  const totalExpense = normalizedTransactions.reduce(
+    (sum, item) => (shouldCountAsExpense(item) ? sum + Math.abs(Number(item.amount || 0)) : sum),
+    0,
+  )
+
+  return {
+    currentDate: new Date().toISOString(),
+    transactionCount: normalizedTransactions.length,
+    expenseTransactionCount: normalizedTransactions.filter((item) => shouldCountAsExpense(item)).length,
+    incomeTransactionCount: normalizedTransactions.filter((item) => shouldCountAsIncome(item)).length,
+    transferTransactionCount: normalizedTransactions.filter((item) => item.entryType === 'transfer').length,
+    totalIncome: Number(formatAmount(totalIncome)),
+    totalExpense: Number(formatAmount(totalExpense)),
+    netBalance: Number(formatAmount(totalIncome - totalExpense)),
+    topExpenseCategories: buildExpenseCategoryBreakdown(normalizedTransactions),
+    recentTransfers: buildTransferSample(normalizedTransactions),
+    recentTransactions: buildRecentTransactionSample(normalizedTransactions),
+  }
+}
+
+export const buildTransactionEnrichmentMessages = ({ transaction, similarTransactions = [] }) => {
+  const payload = {
+    transaction: {
+      id: transaction.id,
+      merchant: transaction.merchant || 'Unknown',
+      amount: transaction.amount,
+      direction: transaction.amount >= 0 ? 'income' : 'expense',
+      note: transaction.note || '',
+      currentCategory: transaction.category || 'Uncategorized',
+      date: transaction.date,
+    },
+    categories: categoryValues.filter((value) => value !== 'Transfer'),
+    tags: AI_TRANSACTION_TAGS,
+    similarTransactions: similarTransactions.slice(0, 6).map((item) => ({
+      merchant: item.aiNormalizedMerchant || item.merchant,
+      category: item.category,
+      tags: item.aiTags || [],
+      note: item.note || '',
+    })),
+  }
+
+  return [
+    {
+      role: 'system',
+      content:
+        '你是记账应用的交易分类引擎。你必须只输出 JSON 对象，不要输出 markdown。category 必须从 categories 中选择一个。tags 必须从 tags 中选择零到三个。confidence 必须是 0 到 1 的数字。若信息不足，请降低 confidence。',
+    },
+    {
+      role: 'user',
+      content: JSON.stringify(payload),
+    },
+  ]
+}
+
+export const buildFinanceChatMessages = ({ question, transactions = [], conversation = [] }) => {
+  const summary = buildLedgerSummary(transactions)
+  const history = conversation
+    .filter((item) => ['user', 'assistant'].includes(item.role) && item.content)
+    .slice(-6)
+    .map((item) => ({
+      role: item.role,
+      content: item.content,
+    }))
+
+  return [
+    {
+      role: 'system',
+      content:
+        '你是 Echo 记账应用里的 AI 财务顾问。你只能基于用户提供的本地账本摘要回答问题，不能编造不存在的交易。回答使用简体中文，先给结论，再给理由和建议。金额统一写成人民币元。充值储值卡、卡间转账等内部转移不算消费支出，分析时要和真实消费分开。若数据不足，要明确说明。',
+    },
+    {
+      role: 'system',
+      content: `以下是用户本地账本摘要 JSON：${JSON.stringify(summary)}`,
+    },
+    ...history,
+    {
+      role: 'user',
+      content: question,
+    },
+  ]
+}
+
+export const normalizeEnrichmentResult = (rawResult) => {
+  const result = rawResult && typeof rawResult === 'object' ? rawResult : {}
+  const category = categoryValues.includes(result.category) && result.category !== 'Transfer'
+    ? result.category
+    : 'Uncategorized'
+  const tags = Array.isArray(result.tags)
+    ? result.tags.filter((tag) => AI_TRANSACTION_TAGS.includes(tag)).slice(0, 3)
+    : []
+  const confidenceValue = Number(result.confidence)
+  const confidence = Number.isFinite(confidenceValue)
+    ? Math.min(Math.max(confidenceValue, 0), 1)
+    : 0
+
+  return {
+    normalizedMerchant: String(result.normalizedMerchant || '').trim() || '',
+    category,
+    tags,
+    confidence,
+    reason: String(result.reason || '').trim().slice(0, 200),
+  }
+}
--- a/src/lib/sqlite.js
+++ b/src/lib/sqlite.js
@@ -1,4 +1,4 @@
-import { Capacitor } from '@capacitor/core'
+import { Capacitor } from '@capacitor/core'
 import { CapacitorSQLite, SQLiteConnection } from '@capacitor-community/sqlite'
 import { defineCustomElements as defineJeep } from 'jeep-sqlite/loader'

@@ -12,9 +12,94 @@ const TRANSACTION_TABLE_SQL = `
    category TEXT DEFAULT 'Uncategorized',
    date TEXT NOT NULL,
    note TEXT,
-    sync_status INTEGER DEFAULT 0
+    sync_status INTEGER DEFAULT 0,
+    entry_type TEXT DEFAULT 'expense',
+    fund_source_type TEXT DEFAULT 'cash',
+    fund_source_name TEXT,
+    fund_target_type TEXT DEFAULT 'merchant',
+    fund_target_name TEXT,
+    impact_expense INTEGER DEFAULT 1,
+    impact_income INTEGER DEFAULT 0,
+    ai_category TEXT,
+    ai_tags TEXT,
+    ai_confidence REAL,
+    ai_reason TEXT,
+    ai_status TEXT DEFAULT 'idle',
+    ai_model TEXT,
+    ai_normalized_merchant TEXT,
+    source_type TEXT,
+    source_order_id TEXT,
+    source_merchant_order_id TEXT,
+    source_counterparty TEXT,
+    source_account TEXT,
+    source_payment_method TEXT,
+    source_record_hash TEXT,
+    import_batch_id TEXT
  );
 `
+const MERCHANT_PROFILE_TABLE_SQL = `
+  CREATE TABLE IF NOT EXISTS merchant_profiles (
+    merchant_key TEXT PRIMARY KEY NOT NULL,
+    normalized_merchant TEXT NOT NULL,
+    category TEXT,
+    tags TEXT,
+    hit_count INTEGER DEFAULT 0,
+    updated_at TEXT NOT NULL
+  );
+`
+const IMPORT_BATCH_TABLE_SQL = `
+  CREATE TABLE IF NOT EXISTS import_batches (
+    id TEXT PRIMARY KEY NOT NULL,
+    source TEXT NOT NULL,
+    file_name TEXT,
+    imported_at TEXT NOT NULL,
+    total_count INTEGER DEFAULT 0,
+    inserted_count INTEGER DEFAULT 0,
+    merged_count INTEGER DEFAULT 0,
+    skipped_count INTEGER DEFAULT 0,
+    status TEXT DEFAULT 'completed',
+    summary_json TEXT
+  );
+`
+const IMPORT_LINE_TABLE_SQL = `
+  CREATE TABLE IF NOT EXISTS import_lines (
+    id TEXT PRIMARY KEY NOT NULL,
+    batch_id TEXT NOT NULL,
+    source_order_id TEXT,
+    merchant TEXT,
+    amount REAL,
+    occurred_at TEXT,
+    status TEXT NOT NULL,
+    transaction_id TEXT,
+    reason TEXT,
+    raw_data TEXT,
+    created_at TEXT NOT NULL
+  );
+`
+const TRANSACTION_REQUIRED_COLUMNS = {
+  entry_type: "TEXT DEFAULT 'expense'",
+  fund_source_type: "TEXT DEFAULT 'cash'",
+  fund_source_name: 'TEXT',
+  fund_target_type: "TEXT DEFAULT 'merchant'",
+  fund_target_name: 'TEXT',
+  impact_expense: 'INTEGER DEFAULT 1',
+  impact_income: 'INTEGER DEFAULT 0',
+  ai_category: 'TEXT',
+  ai_tags: 'TEXT',
+  ai_confidence: 'REAL',
+  ai_reason: 'TEXT',
+  ai_status: "TEXT DEFAULT 'idle'",
+  ai_model: 'TEXT',
+  ai_normalized_merchant: 'TEXT',
+  source_type: 'TEXT',
+  source_order_id: 'TEXT',
+  source_merchant_order_id: 'TEXT',
+  source_counterparty: 'TEXT',
+  source_account: 'TEXT',
+  source_payment_method: 'TEXT',
+  source_record_hash: 'TEXT',
+  import_batch_id: 'TEXT',
+}

 let sqliteConnection
 let db
@@ -37,7 +122,7 @@ const ensureStoreReady = async (jeepEl, retries = 5) => {
    }
    await waitFor(200 * (attempt + 1))
  }
-  throw new Error('jeep-sqlite IndexedDB store 未初始化成功')
+  throw new Error('jeep-sqlite IndexedDB store failed to initialize')
 }

 const ensureJeepElement = async () => {
@@ -66,6 +151,17 @@ const ensureJeepElement = async () => {
  await CapacitorSQLite.initWebStore()
 }

+const ensureTableColumns = async (tableName, requiredColumns) => {
+  const result = await db.query(`PRAGMA table_info(${tableName});`)
+  const existingColumns = new Set((result?.values || []).map((row) => row.name))
+
+  for (const [columnName, definition] of Object.entries(requiredColumns)) {
+    if (!existingColumns.has(columnName)) {
+      await db.execute(`ALTER TABLE ${tableName} ADD COLUMN ${columnName} ${definition};`)
+    }
+  }
+}
+
 const prepareConnection = async () => {
  if (!sqliteConnection) {
    sqliteConnection = new SQLiteConnection(CapacitorSQLite)
@@ -89,6 +185,10 @@ const prepareConnection = async () => {

  await db.open()
  await db.execute(TRANSACTION_TABLE_SQL)
+  await db.execute(MERCHANT_PROFILE_TABLE_SQL)
+  await db.execute(IMPORT_BATCH_TABLE_SQL)
+  await db.execute(IMPORT_LINE_TABLE_SQL)
+  await ensureTableColumns('transactions', TRANSACTION_REQUIRED_COLUMNS)
  initialized = true
 }

@@ -112,7 +212,7 @@ export const saveDbToStore = async () => {
  try {
    await sqliteConnection.saveToStore(DB_NAME)
  } catch (error) {
-    console.warn('[sqlite] saveToStore 执行失败，数据将保留在内存中', error)
+    console.warn('[sqlite] saveToStore failed, data remains in memory until next sync', error)
  }
 }

--- a/src/services/ai/aiProvider.js
+++ b/src/services/ai/aiProvider.js
@@ -0,0 +1,5 @@
+export class AiProvider {
+  async enrichTransaction() {
+    throw new Error('AI provider is not implemented')
+  }
+}
--- a/src/services/ai/aiService.js
+++ b/src/services/ai/aiService.js
@@ -0,0 +1,90 @@
+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'
+
+const clampThreshold = (value) => {
+  const numeric = Number(value)
+  if (!Number.isFinite(numeric)) return 0.9
+  return Math.min(Math.max(numeric, 0), 1)
+}
+
+const createProvider = (settingsStore) => {
+  if (settingsStore.aiProvider !== 'deepseek') {
+    throw new Error(`Unsupported AI provider: ${settingsStore.aiProvider}`)
+  }
+
+  return new DeepSeekProvider({
+    apiKey: settingsStore.aiApiKey,
+    model: settingsStore.aiModel,
+  })
+}
+
+export const hasAiAccess = (settingsStore = useSettingsStore()) => !!settingsStore.aiApiKey
+
+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)) {
+    return 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.filter((item) => item.entryType !== 'transfer'),
+    })
+    const result = await provider.enrichTransaction({ messages })
+    const threshold = clampThreshold(settingsStore.aiAutoApplyThreshold)
+
+    const updated = await applyAiEnrichment(transaction.id, result.normalized, {
+      applyCategory: result.normalized.confidence >= threshold,
+      model: result.model,
+    })
+
+    return updated || transaction
+  } catch (error) {
+    console.warn('[ai] transaction enrichment failed', error)
+    const failed = await markTransactionAiFailed(
+      transaction.id,
+      error?.message || 'AI enrichment failed',
+      settingsStore.aiModel,
+    )
+    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 })
+}
--- a/src/services/ai/deepseekProvider.js
+++ b/src/services/ai/deepseekProvider.js
@@ -0,0 +1,91 @@
+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()
+    this.apiKey = apiKey
+    this.baseUrl = baseUrl.replace(/\/$/, '')
+    this.model = model
+  }
+
+  async createCompletion(payload) {
+    if (!this.apiKey) {
+      throw new Error('DeepSeek API key is required')
+    }
+
+    const response = await fetch(`${this.baseUrl}/chat/completions`, {
+      method: 'POST',
+      headers: {
+        'Content-Type': 'application/json',
+        Authorization: `Bearer ${this.apiKey}`,
+      },
+      body: JSON.stringify({
+        model: this.model,
+        ...payload,
+      }),
+    })
+
+    if (!response.ok) {
+      const detail = await response.text().catch(() => '')
+      throw new Error(`DeepSeek request failed: ${response.status} ${detail}`.trim())
+    }
+
+    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')
+    }
+
+    let parsed
+    try {
+      parsed = JSON.parse(content)
+    } catch {
+      throw new Error('DeepSeek returned invalid JSON')
+    }
+
+    return {
+      raw: parsed,
+      normalized: normalizeEnrichmentResult(parsed),
+      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,
+    }
+  }
+}
--- a/src/services/dataTransferService.js
+++ b/src/services/dataTransferService.js
@@ -0,0 +1,495 @@
+import { v4 as uuidv4 } from 'uuid'
+import { fetchTransactions, insertTransaction, mergeImportedTransaction } from './transactionService.js'
+import { getDb, saveDbToStore } from '../lib/sqlite.js'
+
+const IMPORT_SOURCE_ALIPAY = 'alipay'
+const IMPORT_SUCCESS_STATUS = '交易成功'
+const ALIPAY_REQUIRED_HEADERS = ['交易时间', '交易分类', '交易对方', '商品说明', '收/支', '金额', '交易状态']
+const ALIPAY_HEADERS = {
+  occurredAt: '交易时间',
+  tradeCategory: '交易分类',
+  merchant: '交易对方',
+  counterpartyAccount: '对方账号',
+  productName: '商品说明',
+  direction: '收/支',
+  amount: '金额',
+  paymentMethod: '收/付款方式',
+  status: '交易状态',
+  orderId: '交易订单号',
+  merchantOrderId: '商家订单号',
+  note: '备注',
+}
+
+const downloadText = (filename, text, mimeType) => {
+  const blob = new Blob([text], { type: mimeType })
+  const url = URL.createObjectURL(blob)
+  const link = document.createElement('a')
+  link.href = url
+  link.download = filename
+  document.body.appendChild(link)
+  link.click()
+  document.body.removeChild(link)
+  URL.revokeObjectURL(url)
+}
+
+const escapeCsvCell = (value) => `"${String(value ?? '').replace(/"/g, '""')}"`
+
+const cleanCell = (value) =>
+  String(value ?? '')
+    .replace(/^\uFEFF/, '')
+    .replace(/\r/g, '')
+    .replace(/^"|"$/g, '')
+    .trim()
+
+const normalizeMerchantKey = (value) =>
+  String(value || '')
+    .toLowerCase()
+    .replace(/[\s"'`~!@#$%^&*()_+\-=[\]{};:,.<>/?\\|，。！？；：（）【】《》·、]/g, '')
+    .slice(0, 80)
+
+const normalizeAmount = (value) => {
+  const numeric = Number(String(value ?? '').replace(/[^\d.-]/g, ''))
+  return Number.isFinite(numeric) ? numeric : 0
+}
+
+const normalizeDate = (value) => {
+  if (!value) return ''
+  const normalized = String(value).trim().replace(/\//g, '-')
+  const parsed = new Date(normalized)
+  return Number.isNaN(parsed.getTime()) ? '' : parsed.toISOString()
+}
+
+const parseDelimitedLine = (line, delimiter) => {
+  const cells = []
+  let current = ''
+  let inQuotes = false
+
+  for (let index = 0; index < line.length; index += 1) {
+    const char = line[index]
+    const next = line[index + 1]
+
+    if (char === '"') {
+      if (inQuotes && next === '"') {
+        current += '"'
+        index += 1
+      } else {
+        inQuotes = !inQuotes
+      }
+      continue
+    }
+
+    if (!inQuotes && char === delimiter) {
+      cells.push(cleanCell(current))
+      current = ''
+      continue
+    }
+
+    current += char
+  }
+
+  cells.push(cleanCell(current))
+  return cells
+}
+
+const detectHeaderIndex = (rows) =>
+  rows.findIndex((row) => ALIPAY_REQUIRED_HEADERS.every((header) => row.includes(header)))
+
+const extractRowsFromHtml = (content) => {
+  const parser = new DOMParser()
+  const doc = parser.parseFromString(content, 'text/html')
+  return Array.from(doc.querySelectorAll('tr')).map((row) =>
+    Array.from(row.querySelectorAll('th,td')).map((cell) => cleanCell(cell.textContent)),
+  )
+}
+
+const extractRowsFromText = (content) => {
+  const lines = content.split(/\r?\n/).filter((line) => line.trim())
+  const headerLine = lines.find((line) => ALIPAY_REQUIRED_HEADERS.every((header) => line.includes(header))) || ''
+  const delimiter = headerLine.split('\t').length >= headerLine.split(',').length ? '\t' : ','
+  return lines.map((line) => parseDelimitedLine(line, delimiter))
+}
+
+const parseAlipayRows = (content) => {
+  const rows = /<table/i.test(content) ? extractRowsFromHtml(content) : extractRowsFromText(content)
+  const headerIndex = detectHeaderIndex(rows)
+  if (headerIndex < 0) {
+    throw new Error('未找到支付宝账单表头，请确认导出文件内容完整')
+  }
+
+  const header = rows[headerIndex]
+  const getCell = (row, key) => row[header.indexOf(ALIPAY_HEADERS[key])] || ''
+
+  return rows
+    .slice(headerIndex + 1)
+    .filter((row) => cleanCell(getCell(row, 'occurredAt')))
+    .map((row) => ({
+      occurredAt: cleanCell(getCell(row, 'occurredAt')),
+      tradeCategory: cleanCell(getCell(row, 'tradeCategory')),
+      merchant: cleanCell(getCell(row, 'merchant')),
+      counterpartyAccount: cleanCell(getCell(row, 'counterpartyAccount')),
+      productName: cleanCell(getCell(row, 'productName')),
+      direction: cleanCell(getCell(row, 'direction')),
+      amount: cleanCell(getCell(row, 'amount')),
+      paymentMethod: cleanCell(getCell(row, 'paymentMethod')),
+      status: cleanCell(getCell(row, 'status')),
+      orderId: cleanCell(getCell(row, 'orderId')),
+      merchantOrderId: cleanCell(getCell(row, 'merchantOrderId')),
+      note: cleanCell(getCell(row, 'note')),
+    }))
+}
+
+const resolveCategory = (row, direction) => {
+  const text = `${row.tradeCategory} ${row.productName} ${row.merchant}`.toLowerCase()
+  if (direction === 'neutral') return 'Transfer'
+  if (direction === 'income') return 'Income'
+  if (/餐饮|美食|咖啡|奶茶|外卖|饭|面|粉/.test(text)) return 'Food'
+  if (/交通|出行|打车|公交|地铁|单车|骑行|哈啰|滴滴/.test(text)) return 'Transport'
+  if (/超市|便利|百货|买菜|生鲜|7-11|罗森|全家/.test(text)) return 'Groceries'
+  if (/健康|药|医院|诊所|体检/.test(text)) return 'Health'
+  if (/娱乐|电影|游戏|门票|演出|网吧/.test(text)) return 'Entertainment'
+  return direction === 'expense' ? 'Expense' : 'Uncategorized'
+}
+
+const resolveFundingSource = (paymentMethod) => {
+  const text = String(paymentMethod || '')
+  if (!text) return { fundSourceType: 'cash', fundSourceName: '现金账户' }
+  if (/信用卡|花呗|白条/.test(text)) {
+    return { fundSourceType: 'credit', fundSourceName: text }
+  }
+  if (/储蓄卡|银行卡|银行/.test(text)) {
+    return { fundSourceType: 'bank', fundSourceName: text }
+  }
+  if (/余额|零钱|账户余额/.test(text)) {
+    return { fundSourceType: 'cash', fundSourceName: text }
+  }
+  if (/卡/.test(text)) {
+    return { fundSourceType: 'stored_value', fundSourceName: text }
+  }
+  return { fundSourceType: 'cash', fundSourceName: text }
+}
+
+const buildSourceRecordHash = (payload) =>
+  [
+    payload.sourceType,
+    payload.date,
+    payload.amount.toFixed(2),
+    normalizeMerchantKey(payload.merchant),
+    normalizeMerchantKey(payload.note),
+  ].join('|')
+
+const normalizeImportedRow = (row, importBatchId) => {
+  const normalizedDate = normalizeDate(row.occurredAt)
+  if (!normalizedDate) return null
+
+  const directionText = row.direction
+  const rawAmount = Math.abs(normalizeAmount(row.amount))
+  const direction =
+    directionText.includes('收入') ? 'income' : directionText.includes('支出') ? 'expense' : 'neutral'
+
+  const { fundSourceType, fundSourceName } = resolveFundingSource(row.paymentMethod)
+  const merchant = row.merchant || row.productName || '支付宝账单导入'
+  const note = [row.productName, row.note].filter(Boolean).join(' | ')
+  const amount =
+    direction === 'income' ? rawAmount : direction === 'expense' ? (rawAmount === 0 ? 0 : rawAmount * -1) : rawAmount
+
+  const payload = {
+    merchant,
+    category: resolveCategory(row, direction),
+    note,
+    date: normalizedDate,
+    amount,
+    syncStatus: 'pending',
+    entryType: direction === 'neutral' ? 'transfer' : direction,
+    fundSourceType,
+    fundSourceName,
+    fundTargetType: direction === 'income' ? 'cash' : direction === 'neutral' ? 'stored_value' : 'merchant',
+    fundTargetName:
+      direction === 'income' ? '现金账户' : direction === 'neutral' ? merchant || '储值账户' : merchant,
+    impactExpense: direction === 'expense',
+    impactIncome: direction === 'income',
+    sourceType: IMPORT_SOURCE_ALIPAY,
+    sourceOrderId: row.orderId,
+    sourceMerchantOrderId: row.merchantOrderId,
+    sourceCounterparty: row.merchant,
+    sourceAccount: row.counterpartyAccount,
+    sourcePaymentMethod: row.paymentMethod,
+    importBatchId,
+  }
+
+  payload.sourceRecordHash = buildSourceRecordHash(payload)
+  return payload
+}
+
+const isSameAmount = (left, right) => Math.abs(Number(left) - Number(right)) < 0.005
+
+const isMerchantLikelySame = (left, right) => {
+  const leftKey = normalizeMerchantKey(left)
+  const rightKey = normalizeMerchantKey(right)
+  if (!leftKey || !rightKey) return false
+  return leftKey === rightKey || leftKey.includes(rightKey) || rightKey.includes(leftKey)
+}
+
+const findExactDuplicate = (transactions, payload) =>
+  transactions.find((transaction) => {
+    if (payload.sourceOrderId && transaction.sourceType === payload.sourceType) {
+      return transaction.sourceOrderId === payload.sourceOrderId
+    }
+    return payload.sourceRecordHash && transaction.sourceRecordHash === payload.sourceRecordHash
+  })
+
+const findMergeCandidate = (transactions, payload) => {
+  const payloadTime = new Date(payload.date).getTime()
+  return transactions.find((transaction) => {
+    const diff = Math.abs(new Date(transaction.date).getTime() - payloadTime)
+    return (
+      diff <= 10 * 60 * 1000 &&
+      isSameAmount(transaction.amount, payload.amount) &&
+      isMerchantLikelySame(transaction.merchant, payload.merchant)
+    )
+  })
+}
+
+const createImportBatch = async ({ source, fileName }) => {
+  const db = await getDb()
+  const id = uuidv4()
+  await db.run(
+    `
+      INSERT INTO import_batches (id, source, file_name, imported_at, status)
+      VALUES (?, ?, ?, ?, ?)
+    `,
+    [id, source, fileName || null, new Date().toISOString(), 'running'],
+  )
+  return id
+}
+
+const recordImportLine = async (batchId, payload) => {
+  const db = await getDb()
+  await db.run(
+    `
+      INSERT INTO import_lines (
+        id,
+        batch_id,
+        source_order_id,
+        merchant,
+        amount,
+        occurred_at,
+        status,
+        transaction_id,
+        reason,
+        raw_data,
+        created_at
+      )
+      VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+    `,
+    [
+      uuidv4(),
+      batchId,
+      payload.sourceOrderId || null,
+      payload.merchant || null,
+      Number(payload.amount || 0),
+      payload.date || null,
+      payload.status,
+      payload.transactionId || null,
+      payload.reason || null,
+      JSON.stringify(payload.rawData || {}),
+      new Date().toISOString(),
+    ],
+  )
+}
+
+const finalizeImportBatch = async (batchId, summary) => {
+  const db = await getDb()
+  await db.run(
+    `
+      UPDATE import_batches
+      SET total_count = ?, inserted_count = ?, merged_count = ?, skipped_count = ?, status = ?, summary_json = ?
+      WHERE id = ?
+    `,
+    [
+      summary.totalCount,
+      summary.insertedCount,
+      summary.mergedCount,
+      summary.skippedCount,
+      'completed',
+      JSON.stringify(summary),
+      batchId,
+    ],
+  )
+}
+
+export const importAlipayStatement = async (file) => {
+  const content = await file.text()
+  const parsedRows = parseAlipayRows(content)
+  const batchId = await createImportBatch({
+    source: IMPORT_SOURCE_ALIPAY,
+    fileName: file?.name || 'alipay-statement',
+  })
+
+  const summary = {
+    batchId,
+    source: IMPORT_SOURCE_ALIPAY,
+    fileName: file?.name || '',
+    totalCount: 0,
+    insertedCount: 0,
+    mergedCount: 0,
+    skippedCount: 0,
+    skippedReasons: [],
+  }
+
+  const existingTransactions = await fetchTransactions()
+  const inBatchKeys = new Set()
+
+  for (const row of parsedRows) {
+    summary.totalCount += 1
+
+    if (row.status && row.status !== IMPORT_SUCCESS_STATUS) {
+      summary.skippedCount += 1
+      summary.skippedReasons.push(`${row.occurredAt} ${row.merchant || row.productName}：状态不是交易成功`)
+      await recordImportLine(batchId, {
+        sourceOrderId: row.orderId,
+        merchant: row.merchant || row.productName,
+        amount: normalizeAmount(row.amount),
+        date: normalizeDate(row.occurredAt),
+        status: 'skipped',
+        reason: '交易状态不是交易成功',
+        rawData: row,
+      })
+      continue
+    }
+
+    const payload = normalizeImportedRow(row, batchId)
+    if (!payload) {
+      summary.skippedCount += 1
+      summary.skippedReasons.push(`${row.occurredAt}：无法解析交易时间`)
+      await recordImportLine(batchId, {
+        sourceOrderId: row.orderId,
+        merchant: row.merchant || row.productName,
+        amount: normalizeAmount(row.amount),
+        date: '',
+        status: 'skipped',
+        reason: '无法解析交易时间',
+        rawData: row,
+      })
+      continue
+    }
+
+    const inBatchKey = payload.sourceOrderId || payload.sourceRecordHash
+    if (inBatchKey && inBatchKeys.has(inBatchKey)) {
+      summary.skippedCount += 1
+      summary.skippedReasons.push(`${payload.merchant}：导入文件内重复记录已跳过`)
+      await recordImportLine(batchId, {
+        ...payload,
+        status: 'skipped',
+        reason: '导入文件内重复记录',
+        rawData: row,
+      })
+      continue
+    }
+    if (inBatchKey) {
+      inBatchKeys.add(inBatchKey)
+    }
+
+    const exactDuplicate = findExactDuplicate(existingTransactions, payload)
+    if (exactDuplicate) {
+      summary.skippedCount += 1
+      await recordImportLine(batchId, {
+        ...payload,
+        transactionId: exactDuplicate.id,
+        status: 'skipped',
+        reason: '外部订单号或记录指纹已存在',
+        rawData: row,
+      })
+      continue
+    }
+
+    const mergeCandidate = findMergeCandidate(existingTransactions, payload)
+    if (mergeCandidate) {
+      const merged = await mergeImportedTransaction(mergeCandidate.id, payload)
+      if (merged) {
+        summary.mergedCount += 1
+        const index = existingTransactions.findIndex((item) => item.id === merged.id)
+        if (index >= 0) existingTransactions[index] = merged
+        await recordImportLine(batchId, {
+          ...payload,
+          transactionId: merged.id,
+          status: 'merged',
+          reason: '与现有记录合并',
+          rawData: row,
+        })
+        continue
+      }
+    }
+
+    const inserted = await insertTransaction(payload)
+    existingTransactions.unshift(inserted)
+    summary.insertedCount += 1
+    await recordImportLine(batchId, {
+      ...payload,
+      transactionId: inserted.id,
+      status: 'inserted',
+      reason: '新记录已导入',
+      rawData: row,
+    })
+  }
+
+  await finalizeImportBatch(batchId, summary)
+  await saveDbToStore()
+  return summary
+}
+
+export const exportTransactionsAsCsv = async () => {
+  const transactions = await fetchTransactions()
+  const rows = [
+    [
+      '交易时间',
+      '金额',
+      '方向',
+      '商户',
+      '分类',
+      '备注',
+      '记录类型',
+      '资金来源',
+      '资金去向',
+      'AI 状态',
+      '来源',
+      '外部订单号',
+    ],
+    ...transactions.map((transaction) => [
+      transaction.date,
+      transaction.amount,
+      transaction.amount > 0 ? '收入' : transaction.amount < 0 ? '支出' : '零额',
+      transaction.merchant,
+      transaction.category,
+      transaction.note,
+      transaction.entryType,
+      transaction.fundSourceName || transaction.fundSourceType,
+      transaction.fundTargetName || transaction.fundTargetType,
+      transaction.aiStatus,
+      transaction.sourceType,
+      transaction.sourceOrderId,
+    ]),
+  ]
+
+  const content = `\uFEFF${rows.map((row) => row.map(escapeCsvCell).join(',')).join('\n')}`
+  downloadText(`echo-ledger-${new Date().toISOString().slice(0, 10)}.csv`, content, 'text/csv;charset=utf-8;')
+  return transactions.length
+}
+
+export const exportTransactionsAsJson = async () => {
+  const transactions = await fetchTransactions()
+  const content = JSON.stringify(
+    {
+      exportedAt: new Date().toISOString(),
+      count: transactions.length,
+      transactions,
+    },
+    null,
+    2,
+  )
+  downloadText(
+    `echo-ledger-${new Date().toISOString().slice(0, 10)}.json`,
+    content,
+    'application/json;charset=utf-8;',
+  )
+  return transactions.length
+}
--- a/src/services/notificationRuleService.js
+++ b/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 =
--- a/src/services/transactionService.js
+++ b/src/services/transactionService.js
@@ -1,4 +1,8 @@
-import { v4 as uuidv4 } from 'uuid'
+import { v4 as uuidv4 } from 'uuid'
+import {
+  DEFAULT_LEDGER_BY_ENTRY_TYPE,
+  getAccountTypeLabel,
+} from '../config/ledger.js'
 import { getDb, saveDbToStore } from '../lib/sqlite'

 const statusMap = {
@@ -7,13 +11,111 @@ const statusMap = {
  error: 2,
 }

+const TRANSACTION_SELECT_FIELDS = `
+  id,
+  amount,
+  merchant,
+  category,
+  date,
+  note,
+  sync_status,
+  entry_type,
+  fund_source_type,
+  fund_source_name,
+  fund_target_type,
+  fund_target_name,
+  impact_expense,
+  impact_income,
+  ai_category,
+  ai_tags,
+  ai_confidence,
+  ai_reason,
+  ai_status,
+  ai_model,
+  ai_normalized_merchant,
+  source_type,
+  source_order_id,
+  source_merchant_order_id,
+  source_counterparty,
+  source_account,
+  source_payment_method,
+  source_record_hash,
+  import_batch_id
+`
+
 const normalizeStatus = (value) => {
  if (value === 1) return 'synced'
  if (value === 2) return 'error'
  return 'pending'
 }

-const mapRow = (row) => ({
+const normalizeAiStatus = (value) => {
+  if (['running', 'applied', 'suggested', 'failed'].includes(value)) {
+    return value
+  }
+  return 'idle'
+}
+
+const parseAiTags = (value) => {
+  if (!value) return []
+  try {
+    const parsed = JSON.parse(value)
+    return Array.isArray(parsed) ? parsed.filter((item) => typeof item === 'string') : []
+  } catch {
+    return []
+  }
+}
+
+const normalizeFlag = (value, fallback = false) => {
+  if (value === 1 || value === true || value === '1') return true
+  if (value === 0 || value === false || value === '0') return false
+  return fallback
+}
+
+const inferEntryTypeFromAmount = (amount) => (Number(amount) >= 0 ? 'income' : 'expense')
+
+const sanitizeSourceMetadata = (payload = {}, existing = null) => ({
+  sourceType: payload.sourceType ?? existing?.sourceType ?? '',
+  sourceOrderId: payload.sourceOrderId ?? existing?.sourceOrderId ?? '',
+  sourceMerchantOrderId: payload.sourceMerchantOrderId ?? existing?.sourceMerchantOrderId ?? '',
+  sourceCounterparty: payload.sourceCounterparty ?? existing?.sourceCounterparty ?? '',
+  sourceAccount: payload.sourceAccount ?? existing?.sourceAccount ?? '',
+  sourcePaymentMethod: payload.sourcePaymentMethod ?? existing?.sourcePaymentMethod ?? '',
+  sourceRecordHash: payload.sourceRecordHash ?? existing?.sourceRecordHash ?? '',
+  importBatchId: payload.importBatchId ?? existing?.importBatchId ?? '',
+})
+
+const buildLedgerDefaults = (payload = {}, existing = null) => {
+  const entryType = payload.entryType || existing?.entryType || inferEntryTypeFromAmount(payload.amount ?? existing?.amount ?? 0)
+  const defaults = DEFAULT_LEDGER_BY_ENTRY_TYPE[entryType] || DEFAULT_LEDGER_BY_ENTRY_TYPE.expense
+
+  return {
+    entryType,
+    fundSourceType: payload.fundSourceType || existing?.fundSourceType || defaults.fundSourceType,
+    fundSourceName:
+      payload.fundSourceName ||
+      existing?.fundSourceName ||
+      defaults.fundSourceName ||
+      getAccountTypeLabel(defaults.fundSourceType),
+    fundTargetType: payload.fundTargetType || existing?.fundTargetType || defaults.fundTargetType,
+    fundTargetName:
+      payload.fundTargetName ||
+      existing?.fundTargetName ||
+      defaults.fundTargetName ||
+      getAccountTypeLabel(defaults.fundTargetType),
+    impactExpense:
+      payload.impactExpense ?? existing?.impactExpense ?? defaults.impactExpense ?? entryType === 'expense',
+    impactIncome:
+      payload.impactIncome ?? existing?.impactIncome ?? defaults.impactIncome ?? entryType === 'income',
+  }
+}
+
+const mapRow = (row) => {
+  const aiConfidenceValue = Number(row.ai_confidence)
+  const entryType = row.entry_type || inferEntryTypeFromAmount(row.amount)
+  const defaults = DEFAULT_LEDGER_BY_ENTRY_TYPE[entryType] || DEFAULT_LEDGER_BY_ENTRY_TYPE.expense
+
+  return {
    id: row.id,
    amount: Number(row.amount),
    merchant: row.merchant,
@@ -21,13 +123,108 @@ const mapRow = (row) => ({
    date: row.date,
    note: row.note || '',
    syncStatus: normalizeStatus(row.sync_status),
-})
+    entryType,
+    fundSourceType: row.fund_source_type || defaults.fundSourceType,
+    fundSourceName: row.fund_source_name || defaults.fundSourceName || '',
+    fundTargetType: row.fund_target_type || defaults.fundTargetType,
+    fundTargetName: row.fund_target_name || defaults.fundTargetName || '',
+    impactExpense: normalizeFlag(row.impact_expense, defaults.impactExpense),
+    impactIncome: normalizeFlag(row.impact_income, defaults.impactIncome),
+    aiCategory: row.ai_category || '',
+    aiTags: parseAiTags(row.ai_tags),
+    aiConfidence: Number.isFinite(aiConfidenceValue) ? aiConfidenceValue : 0,
+    aiReason: row.ai_reason || '',
+    aiStatus: normalizeAiStatus(row.ai_status),
+    aiModel: row.ai_model || '',
+    aiNormalizedMerchant: row.ai_normalized_merchant || '',
+    sourceType: row.source_type || '',
+    sourceOrderId: row.source_order_id || '',
+    sourceMerchantOrderId: row.source_merchant_order_id || '',
+    sourceCounterparty: row.source_counterparty || '',
+    sourceAccount: row.source_account || '',
+    sourcePaymentMethod: row.source_payment_method || '',
+    sourceRecordHash: row.source_record_hash || '',
+    importBatchId: row.import_batch_id || '',
+  }
+}
+
+const getMerchantKey = (merchant) =>
+  String(merchant || '')
+    .trim()
+    .toLowerCase()
+    .replace(/\s+/g, '')
+    .slice(0, 120)
+
+const upsertMerchantProfile = async ({ merchant, normalizedMerchant, category, tags }) => {
+  const sourceName = normalizedMerchant || merchant
+  const merchantKey = getMerchantKey(sourceName)
+  if (!merchantKey) return
+
+  const db = await getDb()
+  const result = await db.query(
+    `
+      SELECT merchant_key, hit_count
+      FROM merchant_profiles
+      WHERE merchant_key = ?
+    `,
+    [merchantKey],
+  )
+
+  const hitCount = Number(result?.values?.[0]?.hit_count || 0)
+  const payload = {
+    normalizedMerchant: sourceName,
+    category: category || 'Uncategorized',
+    tags: JSON.stringify(Array.isArray(tags) ? tags : []),
+    updatedAt: new Date().toISOString(),
+  }
+
+  if (result?.values?.length) {
+    await db.run(
+      `
+        UPDATE merchant_profiles
+        SET normalized_merchant = ?, category = ?, tags = ?, hit_count = ?, updated_at = ?
+        WHERE merchant_key = ?
+      `,
+      [
+        payload.normalizedMerchant,
+        payload.category,
+        payload.tags,
+        hitCount + 1,
+        payload.updatedAt,
+        merchantKey,
+      ],
+    )
+    return
+  }
+
+  await db.run(
+    `
+      INSERT INTO merchant_profiles (
+        merchant_key,
+        normalized_merchant,
+        category,
+        tags,
+        hit_count,
+        updated_at
+      )
+      VALUES (?, ?, ?, ?, ?, ?)
+    `,
+    [
+      merchantKey,
+      payload.normalizedMerchant,
+      payload.category,
+      payload.tags,
+      1,
+      payload.updatedAt,
+    ],
+  )
+}

 export const fetchTransactions = async () => {
  const db = await getDb()
  const result = await db.query(
    `
-      SELECT id, amount, merchant, category, date, note, sync_status
+      SELECT ${TRANSACTION_SELECT_FIELDS}
      FROM transactions
      ORDER BY date DESC
    `,
@@ -35,22 +232,89 @@ export const fetchTransactions = async () => {
  return (result?.values || []).map(mapRow)
 }

+export const getTransactionById = async (id) => {
+  const db = await getDb()
+  const result = await db.query(
+    `
+      SELECT ${TRANSACTION_SELECT_FIELDS}
+      FROM transactions
+      WHERE id = ?
+    `,
+    [id],
+  )
+
+  const row = result?.values?.[0]
+  return row ? mapRow(row) : null
+}
+
+export const fetchRecentTransactionsForAi = async (limit = 6, excludeId = '') => {
+  const db = await getDb()
+  const safeLimit = Math.max(1, Math.min(Number(limit) || 6, 20))
+  const params = []
+  const whereClause = excludeId ? 'WHERE id != ?' : ''
+  if (excludeId) {
+    params.push(excludeId)
+  }
+  params.push(safeLimit)
+
+  const result = await db.query(
+    `
+      SELECT ${TRANSACTION_SELECT_FIELDS}
+      FROM transactions
+      ${whereClause}
+      ORDER BY date DESC
+      LIMIT ?
+    `,
+    params,
+  )
+
+  return (result?.values || []).map(mapRow)
+}
+
 export const insertTransaction = async (payload) => {
  const db = await getDb()
  const id = payload.id || uuidv4()
+  const amount = Number(payload.amount)
+  const ledger = buildLedgerDefaults(payload)
+  const sourceMeta = sanitizeSourceMetadata(payload)
  const sanitized = {
    merchant: payload.merchant?.trim() || 'Unknown',
    category: payload.category?.trim() || 'Uncategorized',
    note: payload.note?.trim() || '',
    date: payload.date,
-    amount: Number(payload.amount),
+    amount,
    syncStatus: statusMap[payload.syncStatus] ?? statusMap.pending,
+    ...ledger,
+    ...sourceMeta,
  }

  await db.run(
    `
-      INSERT INTO transactions (id, amount, merchant, category, date, note, sync_status)
-      VALUES (?, ?, ?, ?, ?, ?, ?)
+      INSERT INTO transactions (
+        id,
+        amount,
+        merchant,
+        category,
+        date,
+        note,
+        sync_status,
+        entry_type,
+        fund_source_type,
+        fund_source_name,
+        fund_target_type,
+        fund_target_name,
+        impact_expense,
+        impact_income,
+        source_type,
+        source_order_id,
+        source_merchant_order_id,
+        source_counterparty,
+        source_account,
+        source_payment_method,
+        source_record_hash,
+        import_batch_id
+      )
+      VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
    `,
    [
      id,
@@ -60,6 +324,21 @@ export const insertTransaction = async (payload) => {
      sanitized.date,
      sanitized.note || null,
      sanitized.syncStatus,
+      sanitized.entryType,
+      sanitized.fundSourceType,
+      sanitized.fundSourceName || null,
+      sanitized.fundTargetType,
+      sanitized.fundTargetName || null,
+      sanitized.impactExpense ? 1 : 0,
+      sanitized.impactIncome ? 1 : 0,
+      sanitized.sourceType || null,
+      sanitized.sourceOrderId || null,
+      sanitized.sourceMerchantOrderId || null,
+      sanitized.sourceCounterparty || null,
+      sanitized.sourceAccount || null,
+      sanitized.sourcePaymentMethod || null,
+      sanitized.sourceRecordHash || null,
+      sanitized.importBatchId || null,
    ],
  )

@@ -69,41 +348,148 @@ export const insertTransaction = async (payload) => {
    id,
    ...sanitized,
    syncStatus: payload.syncStatus || 'pending',
+    aiCategory: '',
+    aiTags: [],
+    aiConfidence: 0,
+    aiReason: '',
+    aiStatus: 'idle',
+    aiModel: '',
+    aiNormalizedMerchant: '',
+    sourceType: sanitized.sourceType,
+    sourceOrderId: sanitized.sourceOrderId,
+    sourceMerchantOrderId: sanitized.sourceMerchantOrderId,
+    sourceCounterparty: sanitized.sourceCounterparty,
+    sourceAccount: sanitized.sourceAccount,
+    sourcePaymentMethod: sanitized.sourcePaymentMethod,
+    sourceRecordHash: sanitized.sourceRecordHash,
+    importBatchId: sanitized.importBatchId,
  }
 }

 export const updateTransaction = async (payload) => {
+  const existing = await getTransactionById(payload.id)
+  if (!existing) return null
+
  const db = await getDb()
+  const ledger = buildLedgerDefaults(payload, existing)
+  const sourceMeta = sanitizeSourceMetadata(payload, existing)
  await db.run(
    `
      UPDATE transactions
-      SET amount = ?, merchant = ?, category = ?, date = ?, note = ?, sync_status = ?
+      SET amount = ?, merchant = ?, category = ?, date = ?, note = ?, sync_status = ?, entry_type = ?, fund_source_type = ?, fund_source_name = ?, fund_target_type = ?, fund_target_name = ?, impact_expense = ?, impact_income = ?, source_type = ?, source_order_id = ?, source_merchant_order_id = ?, source_counterparty = ?, source_account = ?, source_payment_method = ?, source_record_hash = ?, import_batch_id = ?
      WHERE id = ?
    `,
    [
      Number(payload.amount),
-      payload.merchant?.trim() || 'Unknown',
-      payload.category?.trim() || 'Uncategorized',
+      payload.merchant?.trim() || existing.merchant || 'Unknown',
+      payload.category?.trim() || existing.category || 'Uncategorized',
      payload.date,
      payload.note?.trim() || null,
      statusMap[payload.syncStatus] ?? statusMap.pending,
+      ledger.entryType,
+      ledger.fundSourceType,
+      ledger.fundSourceName || null,
+      ledger.fundTargetType,
+      ledger.fundTargetName || null,
+      ledger.impactExpense ? 1 : 0,
+      ledger.impactIncome ? 1 : 0,
+      sourceMeta.sourceType || null,
+      sourceMeta.sourceOrderId || null,
+      sourceMeta.sourceMerchantOrderId || null,
+      sourceMeta.sourceCounterparty || null,
+      sourceMeta.sourceAccount || null,
+      sourceMeta.sourcePaymentMethod || null,
+      sourceMeta.sourceRecordHash || null,
+      sourceMeta.importBatchId || null,
      payload.id,
    ],
  )

  await saveDbToStore()
+  return getTransactionById(payload.id)
+}

-  const result = await db.query(
+export const markTransactionAiRunning = async (transactionId, model = '') => {
+  const db = await getDb()
+  await db.run(
    `
-      SELECT id, amount, merchant, category, date, note, sync_status
-      FROM transactions
+      UPDATE transactions
+      SET ai_status = ?, ai_model = ?, ai_reason = ?
      WHERE id = ?
    `,
-    [payload.id],
+    ['running', model || null, null, transactionId],
  )

-  const updated = result?.values?.[0]
-  return updated ? mapRow(updated) : null
+  await saveDbToStore()
+  return getTransactionById(transactionId)
+}
+
+export const applyAiEnrichment = async (transactionId, enrichment, options = {}) => {
+  const existing = await getTransactionById(transactionId)
+  if (!existing) return null
+
+  const applyCategory = !!options.applyCategory
+  const nextCategory = applyCategory ? enrichment.category || existing.category : existing.category
+  const nextStatus = options.status || (applyCategory ? 'applied' : 'suggested')
+  const db = await getDb()
+
+  await db.run(
+    `
+      UPDATE transactions
+      SET category = ?, ai_category = ?, ai_tags = ?, ai_confidence = ?, ai_reason = ?, ai_status = ?, ai_model = ?, ai_normalized_merchant = ?
+      WHERE id = ?
+    `,
+    [
+      nextCategory,
+      enrichment.category || null,
+      JSON.stringify(Array.isArray(enrichment.tags) ? enrichment.tags : []),
+      Number(enrichment.confidence || 0),
+      enrichment.reason || null,
+      nextStatus,
+      options.model || null,
+      enrichment.normalizedMerchant || null,
+      transactionId,
+    ],
+  )
+
+  if (
+    !options.skipMerchantProfile &&
+    (enrichment.normalizedMerchant || enrichment.category || enrichment.tags?.length)
+  ) {
+    await upsertMerchantProfile({
+      merchant: existing.merchant,
+      normalizedMerchant: enrichment.normalizedMerchant,
+      category: enrichment.category,
+      tags: enrichment.tags,
+    })
+  }
+
+  await saveDbToStore()
+  return getTransactionById(transactionId)
+}
+
+export const markTransactionAiFailed = async (transactionId, reason, model = '') => {
+  const db = await getDb()
+  await db.run(
+    `
+      UPDATE transactions
+      SET ai_category = ?, ai_tags = ?, ai_confidence = ?, ai_reason = ?, ai_status = ?, ai_model = ?, ai_normalized_merchant = ?
+      WHERE id = ?
+    `,
+    [
+      null,
+      JSON.stringify([]),
+      0,
+      reason || 'AI enrichment failed',
+      'failed',
+      model || null,
+      null,
+      transactionId,
+    ],
+  )
+
+  await saveDbToStore()
+  return getTransactionById(transactionId)
 }

 export const deleteTransaction = async (id) => {
@@ -111,3 +497,51 @@ export const deleteTransaction = async (id) => {
  await db.run(`DELETE FROM transactions WHERE id = ?`, [id])
  await saveDbToStore()
 }
+
+export const mergeImportedTransaction = async (transactionId, payload) => {
+  const existing = await getTransactionById(transactionId)
+  if (!existing) return null
+
+  const mergedNote = [existing.note, payload.note]
+    .filter(Boolean)
+    .filter((value, index, list) => list.indexOf(value) === index)
+    .join(' | ')
+    .slice(0, 500)
+
+  const nextCategory =
+    existing.category === 'Uncategorized' || existing.category === 'Expense'
+      ? payload.category || existing.category
+      : existing.category
+
+  return updateTransaction({
+    ...existing,
+    id: transactionId,
+    category: nextCategory,
+    note: mergedNote,
+    fundSourceType:
+      existing.fundSourceType === 'cash' && payload.fundSourceType
+        ? payload.fundSourceType
+        : existing.fundSourceType,
+    fundSourceName:
+      existing.fundSourceType === 'cash' && payload.fundSourceName
+        ? payload.fundSourceName
+        : existing.fundSourceName,
+    fundTargetType:
+      existing.fundTargetType === 'merchant' && payload.fundTargetType
+        ? payload.fundTargetType
+        : existing.fundTargetType,
+    fundTargetName:
+      (!existing.fundTargetName || existing.fundTargetName === existing.merchant) &&
+      payload.fundTargetName
+        ? payload.fundTargetName
+        : existing.fundTargetName,
+    sourceType: payload.sourceType || existing.sourceType,
+    sourceOrderId: payload.sourceOrderId || existing.sourceOrderId,
+    sourceMerchantOrderId: payload.sourceMerchantOrderId || existing.sourceMerchantOrderId,
+    sourceCounterparty: payload.sourceCounterparty || existing.sourceCounterparty,
+    sourceAccount: payload.sourceAccount || existing.sourceAccount,
+    sourcePaymentMethod: payload.sourcePaymentMethod || existing.sourcePaymentMethod,
+    sourceRecordHash: payload.sourceRecordHash || existing.sourceRecordHash,
+    importBatchId: payload.importBatchId || existing.importBatchId,
+  })
+}
--- a/src/stores/settings.js
+++ b/src/stores/settings.js
@@ -1,12 +1,20 @@
-import { defineStore } from 'pinia'
+import { defineStore } from 'pinia'
 import { ref } from 'vue'
 import { DEFAULT_CATEGORY_BUDGETS } from '../config/transactionCategories.js'
+import { AI_MODEL_OPTIONS, AI_PROVIDER_OPTIONS } from '../config/transactionTags.js'
+
+const AI_PROVIDER_VALUES = AI_PROVIDER_OPTIONS.map((item) => item.value)
+const AI_MODEL_VALUES = AI_MODEL_OPTIONS.map((item) => item.value)

 export const useSettingsStore = defineStore(
  'settings',
  () => {
    const notificationCaptureEnabled = ref(true)
    const aiAutoCategoryEnabled = ref(false)
+    const aiProvider = ref('deepseek')
+    const aiApiKey = ref('')
+    const aiModel = ref('deepseek-chat')
+    const aiAutoApplyThreshold = ref(0.9)
    const monthlyBudget = ref(12000)
    const budgetResetCycle = ref('monthly')
    const budgetMonthlyResetDay = ref(1)
@@ -24,6 +32,27 @@ export const useSettingsStore = defineStore(
      aiAutoCategoryEnabled.value = !!value
    }

+    const setAiProvider = (value) => {
+      aiProvider.value = AI_PROVIDER_VALUES.includes(value) ? value : 'deepseek'
+    }
+
+    const setAiApiKey = (value) => {
+      aiApiKey.value = String(value || '').trim()
+    }
+
+    const setAiModel = (value) => {
+      aiModel.value = AI_MODEL_VALUES.includes(value) ? value : 'deepseek-chat'
+    }
+
+    const setAiAutoApplyThreshold = (value) => {
+      const numeric = Number(value)
+      if (!Number.isFinite(numeric)) {
+        aiAutoApplyThreshold.value = 0.9
+        return
+      }
+      aiAutoApplyThreshold.value = Math.min(Math.max(numeric, 0), 1)
+    }
+
    const setMonthlyBudget = (value) => {
      const numeric = Number(value)
      monthlyBudget.value = Number.isFinite(numeric) && numeric >= 0 ? numeric : 0
@@ -72,6 +101,10 @@ export const useSettingsStore = defineStore(
    return {
      notificationCaptureEnabled,
      aiAutoCategoryEnabled,
+      aiProvider,
+      aiApiKey,
+      aiModel,
+      aiAutoApplyThreshold,
      monthlyBudget,
      budgetResetCycle,
      budgetMonthlyResetDay,
@@ -82,6 +115,10 @@ export const useSettingsStore = defineStore(
      profileAvatar,
      setNotificationCaptureEnabled,
      setAiAutoCategoryEnabled,
+      setAiProvider,
+      setAiApiKey,
+      setAiModel,
+      setAiAutoApplyThreshold,
      setMonthlyBudget,
      setBudgetResetCycle,
      setBudgetMonthlyResetDay,
@@ -97,6 +134,10 @@ export const useSettingsStore = defineStore(
      paths: [
        'notificationCaptureEnabled',
        'aiAutoCategoryEnabled',
+        'aiProvider',
+        'aiApiKey',
+        'aiModel',
+        'aiAutoApplyThreshold',
        'monthlyBudget',
        'budgetResetCycle',
        'budgetMonthlyResetDay',
--- a/src/stores/transactions.js
+++ b/src/stores/transactions.js
@@ -1,5 +1,7 @@
-import { defineStore } from 'pinia'
+import { defineStore } from 'pinia'
 import { computed, ref } from 'vue'
+import { shouldCountAsExpense, shouldCountAsIncome } from '../config/ledger.js'
+import { maybeEnrichTransactionWithAi } from '../services/ai/aiService.js'
 import {
  deleteTransaction,
  fetchTransactions,
@@ -26,6 +28,9 @@ const formatDayLabel = (dayKey) => {
  }).format(localDate)
 }

+const replaceTransaction = (list, nextTransaction) =>
+  list.map((tx) => (tx.id === nextTransaction.id ? nextTransaction : tx))
+
 export const useTransactionStore = defineStore(
  'transactions',
  () => {
@@ -48,19 +53,19 @@ export const useTransactionStore = defineStore(
    })

    const totalExpense = computed(() =>
-      sortedTransactions.value.reduce((sum, tx) => (tx.amount < 0 ? sum + tx.amount : sum), 0),
+      sortedTransactions.value.reduce((sum, tx) => (shouldCountAsExpense(tx) ? sum + tx.amount : sum), 0),
    )

    const totalIncome = computed(() =>
-      sortedTransactions.value.reduce((sum, tx) => (tx.amount > 0 ? sum + tx.amount : sum), 0),
+      sortedTransactions.value.reduce((sum, tx) => (shouldCountAsIncome(tx) ? sum + tx.amount : sum), 0),
    )

    const todaysExpense = computed(() =>
-      todaysTransactions.value.reduce((sum, tx) => (tx.amount < 0 ? sum + tx.amount : sum), 0),
+      todaysTransactions.value.reduce((sum, tx) => (shouldCountAsExpense(tx) ? sum + tx.amount : sum), 0),
    )

    const todaysIncome = computed(() =>
-      todaysTransactions.value.reduce((sum, tx) => (tx.amount > 0 ? sum + tx.amount : sum), 0),
+      todaysTransactions.value.reduce((sum, tx) => (shouldCountAsIncome(tx) ? sum + tx.amount : sum), 0),
    )

    const latestTransactions = computed(() => sortedTransactions.value.slice(0, 5))
@@ -86,7 +91,7 @@ export const useTransactionStore = defineStore(
          dayKey,
          label: formatDayLabel(dayKey),
          totalExpense: records
-            .filter((tx) => tx.amount < 0)
+            .filter((tx) => shouldCountAsExpense(tx))
            .reduce((sum, tx) => sum + Math.abs(tx.amount), 0),
          items: records,
        }))
@@ -113,6 +118,23 @@ export const useTransactionStore = defineStore(
      }
    }

+    const upsertTransaction = (nextTransaction) => {
+      transactions.value = replaceTransaction(transactions.value, nextTransaction)
+    }
+
+    const enrichTransactionInBackground = async (transaction) => {
+      const enriched = await maybeEnrichTransactionWithAi(transaction, {
+        onProgress: (nextTransaction) => {
+          if (nextTransaction?.id === transaction.id) {
+            upsertTransaction(nextTransaction)
+          }
+        },
+      })
+
+      if (!enriched || enriched.id !== transaction.id) return
+      upsertTransaction(enriched)
+    }
+
    const addTransaction = async (payload) => {
      const normalized = {
        ...payload,
@@ -120,6 +142,7 @@ export const useTransactionStore = defineStore(
      }
      const created = await insertTransaction(normalized)
      transactions.value = [created, ...transactions.value]
+      void enrichTransactionInBackground(created)
      return created
    }

@@ -130,7 +153,8 @@ export const useTransactionStore = defineStore(
      }
      const updated = await updateTransaction(normalized)
      if (updated) {
-        transactions.value = transactions.value.map((tx) => (tx.id === updated.id ? updated : tx))
+        upsertTransaction(updated)
+        void enrichTransactionInBackground(updated)
      }
      return updated
    }
--- a/src/stores/ui.js
+++ b/src/stores/ui.js
@@ -1,7 +1,7 @@
 import { defineStore } from 'pinia'
 import { ref } from 'vue'

-// 负责全局 UI 状态，例如新增记录的底部弹窗
+// 管理全局 UI 状态，例如记一笔弹层的开关和当前编辑项。
 export const useUiStore = defineStore('ui', () => {
  const addEntryVisible = ref(false)
  const editingTransactionId = ref('')
@@ -23,4 +23,3 @@ export const useUiStore = defineStore('ui', () => {
    closeAddEntry,
  }
 })
-
--- a/src/types/transaction.d.ts
+++ b/src/types/transaction.d.ts
@@ -1,4 +1,4 @@
-export interface Transaction {
+export interface Transaction {
  id: string;
  amount: number;
  merchant: string;
@@ -6,4 +6,18 @@ export interface Transaction {
  date: string;
  note?: string;
  syncStatus: 'pending' | 'synced' | 'error';
+  entryType?: 'expense' | 'income' | 'transfer';
+  fundSourceType?: 'cash' | 'bank' | 'credit' | 'stored_value' | 'merchant' | 'income_source' | 'external' | 'unknown';
+  fundSourceName?: string;
+  fundTargetType?: 'cash' | 'bank' | 'credit' | 'stored_value' | 'merchant' | 'income_source' | 'external' | 'unknown';
+  fundTargetName?: string;
+  impactExpense?: boolean;
+  impactIncome?: boolean;
+  aiCategory?: string;
+  aiTags?: string[];
+  aiConfidence?: number;
+  aiReason?: string;
+  aiStatus?: 'idle' | 'running' | 'applied' | 'suggested' | 'failed';
+  aiModel?: string;
+  aiNormalizedMerchant?: string;
 }
--- a/src/views/AddEntryView.vue
+++ b/src/views/AddEntryView.vue
@@ -3,7 +3,7 @@ import { computed, reactive, ref, watch } from 'vue'
 import {
  DEFAULT_TRANSACTION_CATEGORY,
  TRANSACTION_CATEGORIES,
-  getCategoryLabel,
+  getCategoryMeta,
 } from '../config/transactionCategories.js'
 import { useTransactionStore } from '../stores/transactions'
 import { useUiStore } from '../stores/ui'
@@ -19,7 +19,11 @@ const dragStartY = ref(0)
 const dragging = ref(false)
 const dragOffset = ref(0)

-const categories = TRANSACTION_CATEGORIES
+const categories = computed(() =>
+  TRANSACTION_CATEGORIES.filter((category) =>
+    form.type === 'income' ? ['Income', 'Uncategorized'].includes(category.value) : category.value !== 'Income',
+  ),
+)

 const toDatetimeLocal = (value) => {
  const date = value ? new Date(value) : new Date()
@@ -65,6 +69,19 @@ const hydrateForm = () => {

 watch(editingId, hydrateForm, { immediate: true })

+watch(
+  () => form.type,
+  (nextType) => {
+    if (nextType === 'income' && form.category !== 'Income') {
+      form.category = 'Income'
+      return
+    }
+    if (nextType === 'expense' && form.category === 'Income') {
+      form.category = DEFAULT_TRANSACTION_CATEGORY
+    }
+  },
+)
+
 const closePanel = () => {
  uiStore.closeAddEntry()
 }
@@ -181,9 +198,9 @@ const sheetStyle = computed(() => {
        <button class="text-stone-400 text-sm font-bold" @click="closePanel">关闭</button>
      </div>

-      <div class="flex items-center gap-2 mb-6 bg-stone-100 rounded-3xl p-1">
+      <div class="grid grid-cols-2 gap-2 mb-6 bg-stone-100 rounded-[26px] p-1.5">
        <button
-          class="flex-1 py-2 rounded-2xl text-sm font-bold transition"
+          class="inline-flex items-center justify-center gap-2 min-h-[48px] rounded-[22px] text-sm font-bold transition"
          :class="
            form.type === 'expense'
              ? 'bg-white shadow text-rose-500'
@@ -194,7 +211,7 @@ const sheetStyle = computed(() => {
          <i class="ph-bold ph-arrow-up-right" /> 支出
        </button>
        <button
-          class="flex-1 py-2 rounded-2xl text-sm font-bold transition"
+          class="inline-flex items-center justify-center gap-2 min-h-[48px] rounded-[22px] text-sm font-bold transition"
          :class="
            form.type === 'income'
              ? 'bg-white shadow text-emerald-500'
@@ -217,7 +234,7 @@ 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>

@@ -229,11 +246,11 @@ const sheetStyle = computed(() => {

        <div>
          <span class="text-xs font-bold text-stone-400">分类</span>
-          <div class="mt-2 flex gap-2 overflow-x-auto hide-scrollbar pb-1">
+          <div class="mt-3 grid grid-cols-3 gap-3 sm:grid-cols-4">
            <button
              v-for="category in categories"
              :key="category.value"
-              class="px-4 py-2 rounded-2xl text-xs font-bold border transition"
+              class="flex min-h-[78px] flex-col items-center justify-center gap-2 rounded-[24px] border px-3 py-3 text-xs font-bold leading-snug transition text-center"
              :class="
                form.category === category.value
                  ? 'bg-gradient-warm text-white border-transparent'
@@ -241,7 +258,8 @@ const sheetStyle = computed(() => {
              "
              @click="form.category = category.value"
            >
-              {{ getCategoryLabel(category.value) }}
+              <i :class="['ph-fill text-lg leading-none', getCategoryMeta(category.value).icon]" />
+              <span class="block leading-tight">{{ getCategoryMeta(category.value).label }}</span>
            </button>
          </div>
        </div>
--- a/src/views/AnalysisView.vue
+++ b/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>
@@ -12,72 +109,82 @@
      </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 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
+      v-if="!aiReady"
+      class="mb-4 rounded-2xl border border-amber-200 bg-amber-50 px-4 py-3 text-sm text-amber-700"
+    >
+      先去设置页填写 DeepSeek API Key，这里才能真正发送提问。
+    </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 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>
-          <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>
+            <i :class="['ph-fill', message.pending ? 'ph-circle-notch animate-spin' : 'ph-robot']" />
          </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-4 shrink-0 space-y-3">
+      <div class="flex gap-2 overflow-x-auto hide-scrollbar pb-1">
+        <button
+          v-for="item in quickPrompts"
+          :key="item"
+          class="shrink-0 rounded-full bg-white border border-stone-100 px-3 py-2 text-xs font-bold text-stone-600 shadow-sm"
+          @click="handleQuickPrompt(item)"
+        >
+          {{ item }}
+        </button>
+      </div>
+
+      <div class="relative">
+      <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>
+  </div>
 </template>
--- a/src/views/HomeView.vue
+++ b/src/views/HomeView.vue
@@ -7,6 +7,14 @@ 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,
+  shouldCountAsExpense,
+  shouldCountAsIncome,
+} from '../config/ledger.js'
 import { getCategoryLabel, getCategoryMeta } from '../config/transactionCategories.js'
 import { bootstrapApp } from '../services/appBootstrap.js'

@@ -14,8 +22,14 @@ 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 +41,6 @@ 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()
@@ -88,11 +101,33 @@ 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)
 })

+const currentMonthIncome = computed(() =>
+  (sortedTransactions.value || []).reduce((sum, tx) => {
+    const date = new Date(tx.date)
+    const now = new Date()
+    if (date.getFullYear() !== now.getFullYear() || date.getMonth() !== now.getMonth()) return sum
+    return shouldCountAsIncome(tx) ? sum + tx.amount : sum
+  }, 0),
+)
+
+const currentMonthExpense = computed(() =>
+  Math.abs(
+    (sortedTransactions.value || []).reduce((sum, tx) => {
+      const date = new Date(tx.date)
+      const now = new Date()
+      if (date.getFullYear() !== now.getFullYear() || date.getMonth() !== now.getMonth()) return sum
+      return shouldCountAsExpense(tx) ? sum + tx.amount : sum
+    }, 0),
+  ),
+)
+
+const currentMonthNet = computed(() => currentMonthIncome.value - currentMonthExpense.value)
+
 const budgetUsage = computed(() => {
  const expense = Math.abs(periodExpense.value || 0)
  const budget = monthlyBudget.value || 0
@@ -100,7 +135,6 @@ const budgetUsage = computed(() => {
  return Math.min(expense / budget, 1)
 })

-const balance = computed(() => (totalIncome.value || 0) + (totalExpense.value || 0))
 const remainingBudget = computed(() =>
  Math.max((monthlyBudget.value || 0) - Math.abs(periodExpense.value || 0), 0),
 )
@@ -123,6 +157,55 @@ 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' })
 }
@@ -131,10 +214,6 @@ const goList = () => {
  router.push({ name: 'list' })
 }

-const goAnalysis = () => {
-  router.push({ name: 'analysis' })
-}
-
 const openTransactionDetail = (tx) => {
  if (!tx?.id) return
  uiStore.openAddEntry(tx.id)
@@ -163,38 +242,37 @@ const openTransactionDetail = (tx) => {
    </div>

    <div
-      class="w-full h-48 rounded-3xl bg-gradient-warm text-white p-6 shadow-xl shadow-orange-200/50 relative overflow-hidden group transition-all hover:shadow-orange-300/50"
+      class="w-full rounded-[32px] bg-gradient-warm text-white p-6 shadow-xl shadow-orange-200/50 relative overflow-hidden"
    >
      <div class="absolute -right-10 -top-10 w-40 h-40 bg-white opacity-10 rounded-full blur-2xl" />
      <div class="absolute left-0 bottom-0 w-full h-1/2 bg-gradient-to-t from-black/10 to-transparent" />

-      <div class="relative z-10 flex flex-col h-full justify-between">
+      <div class="relative z-10 space-y-5">
        <div>
          <div class="flex items-center justify-between">
-            <p class="text-white/80 text-xs font-bold tracking-widest uppercase">当前结余</p>
-            <button
-              class="w-8 h-8 rounded-full bg-white/20 flex items-center justify-center backdrop-blur-md hover:bg-white/30 transition"
-            >
-              <i class="ph-bold ph-eye" />
-            </button>
+            <div>
+              <p class="text-white/80 text-xs font-bold tracking-widest uppercase">本月净结余</p>
+              <p class="text-[11px] text-white/70 mt-1">仅统计本月已入账的收入和支出</p>
            </div>
-          <h2 class="text-4xl font-extrabold mt-2">
-            {{ formatCurrency(balance) }}
+            <span class="px-3 py-1 rounded-full bg-white/15 text-[11px] font-bold">本月口径</span>
+          </div>
+          <h2 class="text-4xl font-extrabold mt-3">
+            {{ currentMonthNet >= 0 ? '' : '-' }}{{ formatCurrency(currentMonthNet) }}
          </h2>
        </div>

-        <div class="flex gap-8">
-          <div>
+        <div class="grid grid-cols-2 gap-3">
+          <div class="rounded-2xl bg-white/10 px-4 py-3 backdrop-blur-sm">
            <p class="text-white/70 text-xs mb-0.5 flex items-center gap-1">
              <i class="ph-bold ph-arrow-down-left" /> 收入
            </p>
-            <p class="font-bold text-lg">{{ formatCurrency(totalIncome) }}</p>
+            <p class="font-bold text-lg">{{ formatCurrency(currentMonthIncome) }}</p>
          </div>
-          <div>
+          <div class="rounded-2xl bg-white/10 px-4 py-3 backdrop-blur-sm">
            <p class="text-white/70 text-xs mb-0.5 flex items-center gap-1">
              <i class="ph-bold ph-arrow-up-right" /> 支出
            </p>
-            <p class="font-bold text-lg">{{ formatCurrency(Math.abs(totalExpense)) }}</p>
+            <p class="font-bold text-lg">{{ formatCurrency(currentMonthExpense) }}</p>
          </div>
        </div>
      </div>
@@ -257,33 +335,65 @@ const openTransactionDetail = (tx) => {
          查看全部
        </button>
      </div>
-      <div v-if="recentTransactions.length" class="space-y-4">
+      <div v-if="recentTransactions.length" class="space-y-3.5">
        <div
          v-for="tx in recentTransactions"
          :key="tx.id"
-          class="flex items-center justify-between cursor-pointer active:bg-stone-50 rounded-2xl px-2 -mx-2 py-1 transition"
+          class="flex items-start justify-between gap-4 cursor-pointer active:bg-stone-50 rounded-[22px] px-3 py-3 transition -mx-1"
          @click="openTransactionDetail(tx)"
        >
-          <div class="flex items-center gap-3">
+          <div class="flex min-w-0 flex-1 items-start gap-3.5">
            <div
              :class="[
-                'w-10 h-10 rounded-2xl flex items-center justify-center',
+                'shrink-0 w-11 h-11 rounded-[18px] flex items-center justify-center',
                getCategoryMeta(tx.category).bg,
                getCategoryMeta(tx.category).color,
              ]"
            >
              <i :class="['ph-fill text-lg', getCategoryMeta(tx.category).icon]" />
            </div>
-            <div>
-              <p class="font-bold text-stone-800 text-sm">{{ tx.merchant }}</p>
-              <p class="text-[11px] text-stone-400">
-                {{ formatTime(tx.date) }} 路 {{ getCategoryLabel(tx.category) }}
+            <div class="min-w-0 flex-1 space-y-1.5">
+              <div class="flex flex-wrap items-center gap-2">
+                <p class="min-w-0 text-[15px] leading-6 font-bold text-stone-800 break-words">
+                  {{ 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] leading-5 text-stone-400 break-words">
+                {{ formatTime(tx.date) }} · {{ getCategoryLabel(tx.category) }}
+              </p>
+              <p v-if="formatLedgerHint(tx)" class="text-[11px] leading-5 text-stone-400">
+                {{ formatLedgerHint(tx) }}
+              </p>
+              <p v-if="formatAiHint(tx)" class="text-[11px] leading-5 text-stone-400">
+                {{ formatAiHint(tx) }}
              </p>
            </div>
          </div>
          <span
            :class="[
-              'text-sm font-bold',
+              'shrink-0 pl-2 text-sm font-bold leading-none',
              tx.amount < 0 ? 'text-stone-800' : 'text-emerald-600',
            ]"
          >
@@ -317,7 +427,7 @@ 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 }}
@@ -345,22 +455,5 @@ const openTransactionDetail = (tx) => {
      </div>
    </div>

-    <div
-      class="bg-white p-5 rounded-3xl shadow-sm border border-stone-100 flex flex-col justify-between h-32 relative overflow-hidden group"
-      @click="goAnalysis"
-    >
-      <div
-        class="absolute right-[-10px] top-[-10px] w-20 h-20 bg-purple-50 rounded-full blur-xl group-hover:bg-purple-100 transition"
-      />
-      <div
-        class="w-10 h-10 rounded-full bg-purple-100 text-purple-600 flex items-center justify-center z-10"
-      >
-        <i class="ph-fill ph-robot text-xl" />
-      </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>
-      </div>
-    </div>
  </div>
 </template>
--- a/src/views/ListView.vue
+++ b/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)
 }
@@ -48,38 +102,38 @@ const hasData = computed(() => groupedTransactions.value.length > 0)

 <template>
  <div class="space-y-5 pb-10 animate-fade-in">
-    <div class="sticky top-0 z-20 bg-warmOffwhite/95 backdrop-blur-sm py-2">
+    <div class="sticky top-0 z-20 bg-warmOffwhite/95 backdrop-blur-sm py-3">
      <div class="flex justify-between items-center mb-4">
        <h2 class="text-2xl font-extrabold text-stone-800">账单明细</h2>
        <button
-          class="flex items-center gap-2 bg-white border border-stone-100 px-3 py-1.5 rounded-full shadow-sm text-xs font-bold text-stone-500"
+          class="flex items-center gap-2 bg-white border border-stone-100 px-3.5 py-2 rounded-full shadow-sm text-xs font-bold text-stone-500"
          @click="uiStore.openAddEntry()"
        >
          <i class="ph-bold ph-plus" /> 新增
        </button>
      </div>

-      <div class="flex gap-2 overflow-x-auto pb-2 hide-scrollbar">
+      <div class="flex gap-3 overflow-x-auto pb-3 hide-scrollbar">
        <button
          v-for="chip in categoryChips"
          :key="chip.value"
-          class="px-3 py-1.5 rounded-full text-xs font-bold flex items-center gap-1 border transition"
+          class="shrink-0 min-h-[44px] px-4 py-2.5 rounded-[22px] text-sm font-bold inline-flex items-center justify-center gap-2 border transition whitespace-nowrap leading-none"
          :class="
            filters.category === chip.value
-              ? 'bg-gradient-warm text-white border-transparent shadow-sm'
+              ? 'bg-gradient-warm text-white border-transparent shadow-sm shadow-orange-200/40'
              : 'bg-white text-stone-500 border-stone-100'
          "
          @click="setCategory(chip.value)"
        >
-          <i :class="['text-sm', chip.icon]" />
-          {{ chip.label }}
+          <i :class="['text-base leading-none', chip.icon]" />
+          <span class="inline-flex items-center leading-none">{{ chip.label }}</span>
        </button>
      </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="flex items-center gap-1.5 px-2.5 py-1.5 rounded-full border border-stone-200"
          :class="filters.showOnlyToday ? 'bg-gradient-warm text-white border-transparent' : 'bg-white'"
          @click="toggleTodayOnly"
        >
@@ -103,22 +157,22 @@ 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>
        </div>

-        <div class="bg-white rounded-3xl p-1 shadow-sm border border-stone-50 divide-y divide-stone-50">
+        <div class="bg-white rounded-[28px] p-2 shadow-sm border border-stone-50 divide-y divide-stone-50">
          <div
            v-for="item in group.items"
            :key="item.id"
-            class="flex items-center justify-between p-4 hover:bg-stone-50 rounded-2xl transition group"
+            class="flex items-start justify-between gap-4 px-4 py-4 hover:bg-stone-50 rounded-[22px] transition group"
            @click="handleEdit(item)"
          >
-            <div class="flex items-center gap-4">
+            <div class="flex min-w-0 flex-1 items-start gap-4">
              <div
-                class="w-11 h-11 rounded-2xl bg-stone-100 flex items-center justify-center text-stone-500 group-active:scale-95 transition"
+                class="shrink-0 w-11 h-11 rounded-[18px] bg-stone-100 flex items-center justify-center text-stone-500 group-active:scale-95 transition"
              >
                <i
                  :class="[
@@ -127,32 +181,62 @@ const hasData = computed(() => groupedTransactions.value.length > 0)
                  ]"
                />
              </div>
-              <div>
-                <p class="font-bold text-stone-800 text-sm">
+              <div class="min-w-0 flex-1 space-y-1.5">
+                <div class="flex flex-wrap items-center gap-2">
+                  <p class="min-w-0 text-[15px] leading-6 font-bold text-stone-800 break-words">
                    {{ item.merchant }}
                  </p>
-                <p class="text-xs text-stone-400 mt-0.5">
+                  <span
+                    v-if="resolveLedgerBadge(item)"
+                    class="inline-flex items-center justify-center gap-1 px-2 py-1 rounded-full border text-[10px] font-bold leading-none"
+                    :class="resolveLedgerBadge(item).className"
+                  >
+                    <i :class="['ph-bold text-[10px] leading-none', resolveLedgerBadge(item).icon]" />
+                    <span class="inline-flex items-center leading-none">{{ resolveLedgerBadge(item).label }}</span>
+                  </span>
+                  <span
+                    v-if="resolveAiBadge(item)"
+                    class="inline-flex items-center justify-center gap-1 px-2 py-1 rounded-full border text-[10px] font-bold leading-none"
+                    :class="resolveAiBadge(item).className"
+                  >
+                    <i
+                      :class="[
+                        'ph-bold text-[10px] leading-none',
+                        resolveAiBadge(item).icon,
+                        resolveAiBadge(item).iconClassName,
+                      ]"
+                    />
+                    <span class="inline-flex items-center leading-none">{{ resolveAiBadge(item).label }}</span>
+                  </span>
+                </div>
+                <p class="text-xs leading-5 text-stone-400">
                  {{ 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 }}
+                  <span v-if="item.note" class="text-stone-300 break-words">
+                    · {{ item.note }}
                  </span>
                </p>
+                <p v-if="formatLedgerHint(item)" class="text-[11px] leading-5 text-stone-400">
+                  {{ formatLedgerHint(item) }}
+                </p>
+                <p v-if="formatAiHint(item)" class="text-[11px] leading-5 text-stone-400">
+                  {{ formatAiHint(item) }}
+                </p>
              </div>
            </div>
-            <div class="text-right">
+            <div class="shrink-0 pl-2 text-right space-y-1.5">
              <p
                :class="[
-                  'font-bold text-base',
+                  'font-bold text-base leading-none',
                  item.amount < 0 ? 'text-stone-800' : 'text-emerald-600',
                ]"
              >
                {{ formatAmount(item.amount) }}
              </p>
              <button
-                class="text-[11px] text-stone-400 mt-1"
+                class="text-[11px] text-stone-400"
                :disabled="deletingId === item.id"
                @click.stop="handleDelete(item)"
              >
--- a/src/views/SettingsView.vue
+++ b/src/views/SettingsView.vue
@@ -2,16 +2,27 @@
 import { computed, onMounted, ref } from 'vue'
 import NotificationBridge, { isNativeNotificationBridgeAvailable } from '../lib/notificationBridge'
 import { useSettingsStore } from '../stores/settings'
+import { useTransactionStore } from '../stores/transactions'
 import EchoInput from '../components/EchoInput.vue'
 import { BUDGET_CATEGORY_OPTIONS } from '../config/transactionCategories.js'
+import { AI_MODEL_OPTIONS, AI_PROVIDER_OPTIONS } from '../config/transactionTags.js'
+import {
+  exportTransactionsAsCsv,
+  exportTransactionsAsJson,
+  importAlipayStatement,
+} from '../services/dataTransferService.js'

 // 从 Vite 注入的版本号（来源于 package.json），用于在设置页展示
 // eslint-disable-next-line no-undef
 const appVersion = typeof __APP_VERSION__ !== 'undefined' ? __APP_VERSION__ : '0.0.0'

 const settingsStore = useSettingsStore()
+const transactionStore = useTransactionStore()
 const fileInputRef = ref(null)
+const importFileInputRef = ref(null)
 const editingProfileName = ref(false)
+const transferBusy = ref(false)
+const lastImportSummary = ref(null)

 const notificationCaptureEnabled = computed({
  get: () => settingsStore.notificationCaptureEnabled,
@@ -23,6 +34,24 @@ const aiAutoCategoryEnabled = computed({
  set: (value) => settingsStore.setAiAutoCategoryEnabled(value),
 })

+const aiApiKey = computed({
+  get: () => settingsStore.aiApiKey,
+  set: (value) => settingsStore.setAiApiKey(value),
+})
+
+const aiAutoApplyThreshold = computed({
+  get: () => String(settingsStore.aiAutoApplyThreshold ?? 0.9),
+  set: (value) => settingsStore.setAiAutoApplyThreshold(value),
+})
+
+const currentAiProviderLabel = computed(
+  () => AI_PROVIDER_OPTIONS.find((item) => item.value === settingsStore.aiProvider)?.label || 'DeepSeek',
+)
+
+const currentAiModelLabel = computed(
+  () => AI_MODEL_OPTIONS.find((item) => item.value === settingsStore.aiModel)?.label || 'deepseek-chat',
+)
+
 const nativeBridgeReady = isNativeNotificationBridgeAvailable()
 const notificationPermissionGranted = ref(true)
 const checkingPermission = ref(false)
@@ -101,6 +130,11 @@ const handleAvatarClick = () => {
  }
 }

+const openImportPicker = () => {
+  if (transferBusy.value) return
+  importFileInputRef.value?.click()
+}
+
 const handleAvatarChange = (event) => {
  const [file] = event.target.files || []
  if (!file) return
@@ -117,8 +151,53 @@ const handleAvatarChange = (event) => {
  reader.readAsDataURL(file)
 }

-const handleExportData = () => {
-  window.alert('导出功能即将上线：届时可以一键导出 CSV / Excel。当前版本建议先通过截图或复制方式备份关键信息。')
+const handleExportCsv = async () => {
+  if (transferBusy.value) return
+  transferBusy.value = true
+  try {
+    await transactionStore.ensureInitialized()
+    const count = await exportTransactionsAsCsv()
+    window.alert(`已导出 ${count} 条账本记录（CSV）。`)
+  } catch (error) {
+    window.alert(error?.message || '导出 CSV 失败，请稍后重试。')
+  } finally {
+    transferBusy.value = false
+  }
+}
+
+const handleExportJson = async () => {
+  if (transferBusy.value) return
+  transferBusy.value = true
+  try {
+    await transactionStore.ensureInitialized()
+    const count = await exportTransactionsAsJson()
+    window.alert(`已导出 ${count} 条账本记录（JSON 备份）。`)
+  } catch (error) {
+    window.alert(error?.message || '导出 JSON 失败，请稍后重试。')
+  } finally {
+    transferBusy.value = false
+  }
+}
+
+const handleImportStatement = async (event) => {
+  const [file] = event.target.files || []
+  event.target.value = ''
+  if (!file) return
+
+  transferBusy.value = true
+  try {
+    await transactionStore.ensureInitialized()
+    const summary = await importAlipayStatement(file)
+    lastImportSummary.value = summary
+    await transactionStore.hydrateTransactions()
+    window.alert(
+      `导入完成：新增 ${summary.insertedCount} 条，合并 ${summary.mergedCount} 条，跳过 ${summary.skippedCount} 条。`,
+    )
+  } catch (error) {
+    window.alert(error?.message || '导入失败，请确认文件格式后重试。')
+  } finally {
+    transferBusy.value = false
+  }
 }

 const handleClearCache = () => {
@@ -167,6 +246,13 @@ onMounted(() => {
          class="hidden"
          @change="handleAvatarChange"
        />
+        <input
+          ref="importFileInputRef"
+          type="file"
+          accept=".csv,.txt,.xls,.html,.htm"
+          class="hidden"
+          @change="handleImportStatement"
+        />
      </div>
      <div class="flex-1">
        <div class="flex items-center gap-2 mb-1">
@@ -373,7 +459,7 @@ onMounted(() => {
          </div>
        </div>

-        <!-- AI 自动分类开关（预留） -->
+        <!-- AI 自动分类与标签 -->
        <div class="flex flex-col gap-1 p-4">
          <div class="flex items-center justify-between">
            <div class="flex items-center gap-3">
@@ -383,9 +469,9 @@ onMounted(() => {
                <i class="ph-fill ph-magic-wand" />
              </div>
              <div>
-                <p class="font-bold text-stone-700 text-sm">AI 自动分类与标签（预留）</p>
+                <p class="font-bold text-stone-700 text-sm">AI 自动分类与标签</p>
                <p class="text-[11px] text-stone-400 mt-0.5">
-                  开启后，未来会自动补全分类、标签，并生成可复用的商户画像。
+                  使用本地 DeepSeek API Key 为新交易补全分类、标签，并记录商户画像。
                </p>
              </div>
            </div>
@@ -397,11 +483,44 @@ onMounted(() => {
              <div class="w-4 h-4 bg-white rounded-full shadow-sm" />
            </button>
          </div>
-          <p v-if="aiAutoCategoryEnabled" class="px-4 pb-1 text-[11px] text-purple-600">
-            当前版本仅记录偏好，后续接入 AI 能力后会自动生效。
+
+          <div v-if="aiAutoCategoryEnabled" class="px-4 pt-3 pb-1 space-y-3">
+            <div class="flex flex-wrap gap-2">
+              <span class="px-3 py-1 rounded-full bg-stone-100 text-[11px] font-bold text-stone-600">
+                Provider · {{ currentAiProviderLabel }}
+              </span>
+              <span class="px-3 py-1 rounded-full bg-stone-100 text-[11px] font-bold text-stone-600">
+                Model · {{ currentAiModelLabel }}
+              </span>
+            </div>
+
+            <EchoInput
+              v-model="aiApiKey"
+              label="DeepSeek API Key"
+              type="password"
+              placeholder="sk-..."
+              hint="仅保存在当前设备，本阶段用于本地直连 DeepSeek。"
+            />
+
+            <EchoInput
+              v-model="aiAutoApplyThreshold"
+              label="自动应用阈值（0-1）"
+              type="number"
+              inputmode="decimal"
+              step="0.05"
+              placeholder="例如 0.9"
+              hint="高于该阈值的 AI 分类会自动写入交易分类，低于阈值仅作为建议保留。"
+            />
+
+            <p
+              v-if="!settingsStore.aiApiKey"
+              class="text-[11px] text-amber-600 bg-amber-50 border border-amber-200 rounded-2xl px-3 py-2"
+            >
+              当前已开启 AI，但还没有填写 DeepSeek API Key，保存交易时不会发起 AI 分类请求。
            </p>
          </div>
        </div>
+      </div>
    </section>

    <!-- 通用设置 -->
@@ -411,8 +530,9 @@ onMounted(() => {
      </h3>
      <div class="bg-white rounded-3xl overflow-hidden shadow-sm border border-stone-100">
        <button
-          class="flex w-full items-center justify-between p-4 border-b border-stone-50 active:bg-stone-50 transition text-left"
-          @click="handleExportData"
+          class="flex w-full items-center justify-between p-4 border-b border-stone-50 active:bg-stone-50 transition text-left disabled:opacity-60"
+          :disabled="transferBusy"
+          @click="handleExportCsv"
        >
          <div class="flex items-center gap-3">
            <div
@@ -421,12 +541,73 @@ onMounted(() => {
              <i class="ph-fill ph-export" />
            </div>
            <div>
-              <p class="font-bold text-stone-700 text-sm">导出账单数据（预留）</p>
-              <p class="text-[11px] text-stone-400 mt-0.5">未来支持导出为 CSV / Excel 文件。</p>
+              <p class="font-bold text-stone-700 text-sm">导出账本 CSV</p>
+              <p class="text-[11px] text-stone-400 mt-0.5">导出当前账本的标准 CSV，用于备份或迁移。</p>
            </div>
          </div>
          <i class="ph-bold ph-caret-right text-stone-300" />
        </button>
+        <button
+          class="flex w-full items-center justify-between p-4 border-b border-stone-50 active:bg-stone-50 transition text-left disabled:opacity-60"
+          :disabled="transferBusy"
+          @click="handleExportJson"
+        >
+          <div class="flex items-center gap-3">
+            <div
+              class="w-8 h-8 rounded-full bg-stone-100 text-stone-500 flex items-center justify-center"
+            >
+              <i class="ph-fill ph-file-code" />
+            </div>
+            <div>
+              <p class="font-bold text-stone-700 text-sm">导出完整 JSON</p>
+              <p class="text-[11px] text-stone-400 mt-0.5">保留 AI、储值账户与导入来源等完整字段。</p>
+            </div>
+          </div>
+          <i class="ph-bold ph-caret-right text-stone-300" />
+        </button>
+        <button
+          class="flex w-full items-center justify-between p-4 border-b border-stone-50 active:bg-stone-50 transition text-left disabled:opacity-60"
+          :disabled="transferBusy"
+          @click="openImportPicker"
+        >
+          <div class="flex items-center gap-3">
+            <div
+              class="w-8 h-8 rounded-full bg-blue-50 text-blue-500 flex items-center justify-center"
+            >
+              <i class="ph-fill ph-download-simple" />
+            </div>
+            <div>
+              <p class="font-bold text-stone-700 text-sm">导入支付宝账单</p>
+              <p class="text-[11px] text-stone-400 mt-0.5">自动查重：先按订单号去重，再按时间金额商户近似合并。</p>
+            </div>
+          </div>
+          <i class="ph-bold ph-caret-right text-stone-300" />
+        </button>
+        <div
+          v-if="lastImportSummary"
+          class="px-4 py-3 border-b border-stone-50 bg-stone-50/70"
+        >
+          <div class="flex flex-wrap gap-2 mb-2">
+            <span class="px-3 py-1 rounded-full bg-emerald-50 text-emerald-600 text-[11px] font-bold">
+              新增 {{ lastImportSummary.insertedCount }}
+            </span>
+            <span class="px-3 py-1 rounded-full bg-blue-50 text-blue-600 text-[11px] font-bold">
+              合并 {{ lastImportSummary.mergedCount }}
+            </span>
+            <span class="px-3 py-1 rounded-full bg-stone-100 text-stone-500 text-[11px] font-bold">
+              跳过 {{ lastImportSummary.skippedCount }}
+            </span>
+          </div>
+          <p class="text-[11px] text-stone-500">
+            最近导入：{{ lastImportSummary.fileName || '支付宝账单' }}，共处理 {{ lastImportSummary.totalCount }} 条记录。
+          </p>
+          <p
+            v-if="lastImportSummary.skippedReasons?.length"
+            class="text-[11px] text-stone-400 mt-1 leading-5"
+          >
+            {{ lastImportSummary.skippedReasons.slice(0, 2).join('；') }}
+          </p>
+        </div>
        <button
          class="flex w-full items-center justify-between p-4 active:bg-stone-50 transition text-left"
          @click="handleClearCache"
Author	SHA1	Message	Date
Jafeng	5d45ba4731	fix:页面优化	2026-03-12 15:36:36 +08:00
Jafeng	6c209d8781	feat:新增账单导出、支付宝账单导入	2026-03-12 15:09:25 +08:00
Jafeng	e70b87a212	chore: release v0.4.0	2026-03-12 14:03:25 +08:00
Jafeng	6ca962a187	feat:新增ai分析，新增储值账户，优化通知规则	2026-03-12 14:03:01 +08:00
Jafeng	6a00875246	feat: 添加 AI 分类功能，支持交易自动分类与标签生成	2026-03-12 10:59:44 +08:00