feat: 新增 AI 服务模块，支持智能聊天、语音转文字、交易确认及财务建议等功能。

src/services/aiService.ts

@@ -313,6 +313,9 @@ 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);
@@ -326,64 +329,32 @@ 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 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。
-`;
+  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',
+  };
 
   try {
-    const response = await sendChatMessage(prompt);
+    // 3. Call Dedicated Backend Endpoint
+    const response = await api.post<ApiResponse<{ spending: string; budget: string }>>('/ai/insight', {
+      context_data: contextData
+    });
 
-    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'
-      };
+    if (response.success && response.data) {
+      const result = response.data;
 
       // Update Cache
       dailyInsightCache = {
@@ -394,10 +365,15 @@ Task:
 
       return result;
     }
-    throw new Error('No insight received');
+
+    throw new Error(response.error || 'Failed to generate insight');
   } catch (error) {
     console.error('Failed to get AI insight:', error);
-    throw 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'
+    };
   }
 }