feat: 新增预算详情模态框、交易表单、小猪罐功能，并支持生成预算洞察。

src/services/aiService.ts

@@ -289,17 +289,125 @@ Output Requirements:
     // Here we choose to throw so fallback static text appears.
     throw error;
   }
-}
+  // Cache storage for daily insight
+  let dailyInsightCache: {
+    data: { spending: string; budget: string };
+    timestamp: number;
+    contentHash: string;
+  } | null = null;
 
-export default {
-  getSessionId,
-  clearSession,
-  sendChatMessage,
-  transcribeAudio,
-  confirmTransaction,
-  cancelSession,
-  processVoiceInput,
-  isConfirmationCardComplete,
-  formatConfirmationCard,
-  getFinancialAdvice,
-};
+  export interface DailyInsightContext {
+    todaySpend: number;
+    yesterdaySpend: number;
+    monthlyBudget: number;
+    monthlySpent: number;
+    monthProgress: number; // 0-1
+    topCategory?: { name: string; amount: number };
+    maxTransaction?: { note: string; amount: number };
+    lastWeekSpend?: number;
+    streakDays?: number;
+  }
+
+  /**
+   * Get AI-powered daily insight
+   */
+  export async function getDailyInsight(context: DailyInsightContext): Promise<{ spending: string; budget: string }> {
+    // Hash needs to include new fields
+    const currentHash = JSON.stringify(context);
+    const NOW = Date.now();
+    const CACHE_TTL = 30 * 60 * 1000; // 30 Minutes
+
+    // 1. Check Cache
+    if (dailyInsightCache &&
+      (NOW - dailyInsightCache.timestamp < CACHE_TTL) &&
+      dailyInsightCache.contentHash === currentHash) {
+      return dailyInsightCache.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。
+`;
+
+    try {
+      const response = await sendChatMessage(prompt);
+
+      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 = {
+          data: result,
+          timestamp: NOW,
+          contentHash: currentHash
+        };
+
+        return result;
+      }
+      throw new Error('No insight received');
+    } catch (error) {
+      console.error('Failed to get AI insight:', error);
+      throw error;
+    }
+  }
+
+  export default {
+    getSessionId,
+    clearSession,
+    sendChatMessage,
+    transcribeAudio,
+    confirmTransaction,
+    cancelSession,
+    processVoiceInput,
+    isConfirmationCardComplete,
+    formatConfirmationCard,
+    getFinancialAdvice,
+  };