feat: 新增AI服务模块，提供智能聊天、语音转写、交易确认及财务建议功能。

src/services/aiService.ts

@@ -313,9 +313,6 @@ export interface DailyInsightContext {
 /**
  * Get AI-powered daily insight
  */
-/**
- * Get AI-powered daily insight via dedicated endpoint
- */
 export async function getDailyInsight(context: DailyInsightContext): Promise<{ spending: string; budget: string }> {
   // Hash needs to include new fields
   const currentHash = JSON.stringify(context);
@@ -329,32 +326,64 @@ export async function getDailyInsight(context: DailyInsightContext): Promise<{ s
     return dailyInsightCache.data;
   }
 
-  // 2. Prepare Context Data
   const weekday = new Date().toLocaleDateString('zh-CN', { weekday: 'long' });
   const weekDiff = context.lastWeekSpend !== undefined ? (context.todaySpend - context.lastWeekSpend) : 0;
 
-  const contextData = {
-    weekday,
-    streakDays: context.streakDays || 0,
-    todaySpend: context.todaySpend,
-    yesterdaySpend: context.yesterdaySpend,
-    lastWeekSpend: context.lastWeekSpend || 0,
-    weekSpendDiff: weekDiff,
-    monthlyBudget: context.monthlyBudget,
-    monthlySpent: context.monthlySpent,
-    monthProgress: context.monthProgress,
-    topCategory: context.topCategory ? `${context.topCategory.name} (¥${context.topCategory.amount})` : '无',
-    maxTransaction: context.maxTransaction ? `${context.maxTransaction.note || '未备注'} (¥${context.maxTransaction.amount})` : '无',
-  };
+  const prompt = `System: 你是 Novault 首席财务AI，也是用户的贴身管家。你的点评需要非常有温度、有依据。
+Context:
+- 今天是: ${weekday}
+- 连续记账: ${context.streakDays || 0} 天
+- 今日支出: ${context.todaySpend} 
+  - 对比昨日: ${context.yesterdaySpend}
+  - 对比上周同日: ${context.lastWeekSpend || '无数据'} (差额: ${weekDiff})
+- 月预算: ${context.monthlyBudget} (已用: ${context.monthlySpent}, 进度: ${(context.monthlySpent / (context.monthlyBudget || 1) * 100).toFixed(0)}%)
+- 月时间进度: ${(context.monthProgress * 100).toFixed(0)}%
+- 今日支出之王: ${context.topCategory ? `【${context.topCategory.name}】 ¥${context.topCategory.amount}` : '无'}
+- 今日最大一笔: ${context.maxTransaction ? `${context.maxTransaction.note || '未备注'} (¥${context.maxTransaction.amount})` : '无'}
+
+Task:
+请输出 JSON 对象（无 markdown 标记）：
+1. "spending": 针对今日支出的点评（40字内）。
+   - 必须结合【${weekday}】的场景（如周五可以放松，周一要收心）。
+   - 如果有【连续记账】成就（>3天），请顺带夸奖。
+   - 如果对比上周同日波动大，请指出。
+   - 结合最大支出进行调侃。
+   
+2. "budget": 针对预算状况的建议（40字内）。
+   - 结合月度进度，给出具体行动指南。
+`;
 
   try {
-    // 3. Call Dedicated Backend Endpoint
-    const response = await api.post<ApiResponse<{ spending: string; budget: string }>>('/ai/insight', {
-      context_data: contextData
-    });
+    const response = await sendChatMessage(prompt);
 
-    if (response.success && response.data) {
-      const result = response.data;
+    if (response.message) {
+      let content = response.message.trim();
+
+      // Extract JSON object using regex to handle potential markdown or extra text
+      const jsonMatch = content.match(/\{[\s\S]*\}/);
+      if (jsonMatch) {
+        content = jsonMatch[0];
+      } else {
+        // Fallback cleanup if regex fails but it might still be JSON-ish
+        content = content.replace(/^```json\s*/, '').replace(/\s*```$/, '');
+      }
+
+      let parsed;
+      try {
+        parsed = JSON.parse(content);
+      } catch (e) {
+        console.warn('AI returned invalid JSON, falling back to raw text split or default', content);
+        // Fallback: simple split if possible or default
+        parsed = {
+          spending: content.slice(0, 50) + '...',
+          budget: 'AI 分析数据格式异常，请稍后再试。'
+        };
+      }
+
+      const result = {
+        spending: parsed.spending || '暂无点评',
+        budget: parsed.budget || '暂无建议'
+      };
 
       // Update Cache
       dailyInsightCache = {
@@ -365,15 +394,10 @@ export async function getDailyInsight(context: DailyInsightContext): Promise<{ s
 
       return result;
     }
-
-    throw new Error(response.error || 'Failed to generate insight');
+    throw new Error('No insight received');
   } catch (error) {
     console.error('Failed to get AI insight:', error);
-    // Return fallback instead of throwing to prevent UI crash
-    return {
-      spending: '今日消费情况暂未分析完成',
-      budget: '暂无预算建议'
-    };
+    throw error;
   }
 }