feat: 初始化核心应用结构，新增循环交易、短信、分配规则和用户设置等服务，并更新相关依赖和配置。

internal/service/recurring_transaction_service.go

@@ -11,6 +11,7 @@ import (
 	"gorm.io/gorm"
 )
 
+// RecurringTransactionService handles business logic for recurring transactions
 // RecurringTransactionService handles business logic for recurring transactions
 type RecurringTransactionService struct {
 	recurringRepo      *repository.RecurringTransactionRepository
@@ -20,6 +21,8 @@ type RecurringTransactionService struct {
 	allocationRuleRepo *repository.AllocationRuleRepository
 	recordRepo         *repository.AllocationRecordRepository
 	piggyBankRepo      *repository.PiggyBankRepository
+	userSettingsRepo   *repository.UserSettingsRepository
+	smsService         *SmsService
 	db                 *gorm.DB
 }
 
@@ -32,6 +35,8 @@ func NewRecurringTransactionService(
 	allocationRuleRepo *repository.AllocationRuleRepository,
 	recordRepo *repository.AllocationRecordRepository,
 	piggyBankRepo *repository.PiggyBankRepository,
+	userSettingsRepo *repository.UserSettingsRepository,
+	smsService *SmsService,
 	db *gorm.DB,
 ) *RecurringTransactionService {
 	return &RecurringTransactionService{
@@ -42,6 +47,8 @@ func NewRecurringTransactionService(
 		allocationRuleRepo: allocationRuleRepo,
 		recordRepo:         recordRepo,
 		piggyBankRepo:      piggyBankRepo,
+		userSettingsRepo:   userSettingsRepo,
+		smsService:         smsService,
 		db:                 db,
 	}
 }
@@ -377,6 +384,27 @@ func (s *RecurringTransactionService) ProcessDueTransactions(userID uint, now ti
 		result.Transactions = append(result.Transactions, transaction)
 	}
 
+	// Send SMS notifications for auto-executed allocations
+	for _, allocation := range result.Allocations {
+		if allocation.AutoExecuted {
+			// Get user phone number
+			userSettings, err := s.userSettingsRepo.GetOrCreate(userID)
+			if err != nil {
+				// Log error but don't fail the request
+				fmt.Printf("Failed to get user settings for SMS: %v\n", err)
+				continue
+			}
+
+			if userSettings != nil && userSettings.Phone != "" && s.smsService != nil {
+				go func(phone string, amount float64, ruleName string) {
+					if err := s.smsService.SendAllocationNotification(phone, amount, ruleName); err != nil {
+						fmt.Printf("Failed to send allocation SMS: %v\n", err)
+					}
+				}(userSettings.Phone, allocation.TotalAmount, allocation.RuleName)
+			}
+		}
+	}
+
 	return result, nil
 }
 
@@ -429,7 +457,7 @@ func (s *RecurringTransactionService) applyAllocationRulesForIncome(userID uint,
 			continue
 		}
 
-		// Get target name and apply allocation
+		// Get target name
 		targetName := ""
 
 		switch target.TargetType {
@@ -440,20 +468,23 @@ func (s *RecurringTransactionService) applyAllocationRulesForIncome(userID uint,
 			}
 			targetName = targetAccount.Name
 
-			// Add to target account
-			targetAccount.Balance += allocatedAmount
-			if err := tx.Save(&targetAccount).Error; err != nil {
-				return nil, fmt.Errorf("failed to update target account balance: %w", err)
-			}
+			// Execute transfer only if AutoExecute is true
+			if rule.AutoExecute {
+				// Add to target account
+				targetAccount.Balance += allocatedAmount
+				if err := tx.Save(&targetAccount).Error; err != nil {
+					return nil, fmt.Errorf("failed to update target account balance: %w", err)
+				}
 
-			// Deduct from source account
-			var sourceAccount models.Account
-			if err := tx.First(&sourceAccount, accountID).Error; err != nil {
-				return nil, fmt.Errorf("failed to get source account: %w", err)
-			}
-			sourceAccount.Balance -= allocatedAmount
-			if err := tx.Save(&sourceAccount).Error; err != nil {
-				return nil, fmt.Errorf("failed to update source account balance: %w", err)
+				// Deduct from source account
+				var sourceAccount models.Account
+				if err := tx.First(&sourceAccount, accountID).Error; err != nil {
+					return nil, fmt.Errorf("failed to get source account: %w", err)
+				}
+				sourceAccount.Balance -= allocatedAmount
+				if err := tx.Save(&sourceAccount).Error; err != nil {
+					return nil, fmt.Errorf("failed to update source account balance: %w", err)
+				}
 			}
 
 		case models.TargetTypePiggyBank:
@@ -463,20 +494,23 @@ func (s *RecurringTransactionService) applyAllocationRulesForIncome(userID uint,
 			}
 			targetName = piggyBank.Name
 
-			// Add to piggy bank
-			piggyBank.CurrentAmount += allocatedAmount
-			if err := tx.Save(&piggyBank).Error; err != nil {
-				return nil, fmt.Errorf("failed to update piggy bank balance: %w", err)
-			}
+			// Execute transfer only if AutoExecute is true
+			if rule.AutoExecute {
+				// Add to piggy bank
+				piggyBank.CurrentAmount += allocatedAmount
+				if err := tx.Save(&piggyBank).Error; err != nil {
+					return nil, fmt.Errorf("failed to update piggy bank balance: %w", err)
+				}
 
-			// Deduct from source account
-			var sourceAccount models.Account
-			if err := tx.First(&sourceAccount, accountID).Error; err != nil {
-				return nil, fmt.Errorf("failed to get source account: %w", err)
-			}
-			sourceAccount.Balance -= allocatedAmount
-			if err := tx.Save(&sourceAccount).Error; err != nil {
-				return nil, fmt.Errorf("failed to update source account balance: %w", err)
+				// Deduct from source account
+				var sourceAccount models.Account
+				if err := tx.First(&sourceAccount, accountID).Error; err != nil {
+					return nil, fmt.Errorf("failed to get source account: %w", err)
+				}
+				sourceAccount.Balance -= allocatedAmount
+				if err := tx.Save(&sourceAccount).Error; err != nil {
+					return nil, fmt.Errorf("failed to update source account balance: %w", err)
+				}
 			}
 
 		default: