feat: 交易渠道重命名、账单来源统计默认值、AI 规则生成与统计搜索，AI 改用 openai-java SDK

- 交易记录「支付方式」全链路重命名为「交易渠道」（channel）：DB 列、实体/DTO/VO、接口 /api/transaction/channels、统计维度 CHANNEL、AI 提示词与 JSON 字段、前端与中英日文案；新增 SchemaMigrator 在启动/切换数据源时幂等迁移列名（MySQL 用 information_schema、SQLite 用 PRAGMA）
- 按账单来源设置「计入统计」默认值：AppConfig 持久化 + GET/PUT /api/app/bill-source-include-in-stats，导入解析按「解析器判定 && 来源默认」应用并覆盖上传与邮箱两条路径，设置页新增面板
- AI 生成规则：基于所选已打标签记录归纳分类/标签规则（POST /api/ai/rule/suggest、/api/ai/rule/apply），规则页两步弹窗（选择记录→预览创建），支持候选记录分页/搜索/筛选；按「类型+关键词+分类+标签」签名与已有规则去重，重复项标记「已存在」并禁止导入
- 规则列表新增分页与搜索：GET /api/rule/page（名称/关键词、启用状态、收支类型）
- 统计面板 AI 搜索：POST /api/ai/statistics 将自然语言解析为时间/类型/分类/标签/渠道/金额/统计口径/趋势粒度并回填；交互对齐账单列表 AI 查询（弹窗 + 历史 + 示例 + 空条件守卫）；统计后端补充标签筛选，仪表盘新增标签筛选与 AI 搜索
- AI 客户端改用 OpenAI 官方 Java SDK（com.openai:openai-java），自定义 baseUrl 指向 DeepSeek，保留 chat 签名与 DeepSeekResponse
- AI 数据外发收敛：分类/标签建议与规则生成不再发送 rawData 与金额，仅发送类型/备注/渠道/分类/标签；新增 AiCallType.RULE / STATISTICS
- 收支记录页新增「刷新」按钮

frontend/src/views/Dashboard.vue

@@ -1,8 +1,9 @@
 <script setup lang="ts">
-// 统计面板组件：展示指定时间范围的收支汇总、概览指标、趋势、分类占比与支付方式分布
+// 统计面板组件：展示指定时间范围的收支汇总、概览指标、趋势、分类占比与交易渠道分布
 import { ref, computed, onMounted, watch, nextTick } from 'vue'
 import { useI18n } from 'vue-i18n'
-import { NCard, NGrid, NGridItem, NStatistic, NSpace, NSelect, NDatePicker, NInput, NInputNumber, NButton } from 'naive-ui'
+import { NCard, NGrid, NGridItem, NStatistic, NSpace, NSelect, NDatePicker, NInput, NInputNumber, NButton, NAutoComplete, NModal, NAlert, NDropdown, NIcon, useMessage } from 'naive-ui'
+import { SparklesOutline, BulbOutline } from '@vicons/ionicons5'
 import VChart from 'vue-echarts'
 import { use } from 'echarts/core'
 import { CanvasRenderer } from 'echarts/renderers'
@@ -10,14 +11,19 @@ import { LineChart, PieChart, BarChart } from 'echarts/charts'
 import { TitleComponent, TooltipComponent, LegendComponent, GridComponent } from 'echarts/components'
 import { getStatisticsSummary, getStatisticsGroup } from '../api/statistics'
 import { getCategoryList } from '../api/category'
-import { getPaymentMethods } from '../api/transaction'
-import { getPaymentLabel } from '../utils/payment'
+import { getTagList } from '../api/tag'
+import { getChannels } from '../api/transaction'
+import { getAiConfig, parseStatisticsByAi } from '../api/ai'
+import type { AiStatisticsResult } from '../api/ai'
+import { useKeywordHistory } from '../composables/useKeywordHistory'
+import { getChannelLabel } from '../utils/channel'
 import { renderCategoryLabel } from '../utils/render'
 
 // 注册 ECharts 所需组件
 use([CanvasRenderer, LineChart, PieChart, BarChart, TitleComponent, TooltipComponent, LegendComponent, GridComponent])
 
 const { t, locale } = useI18n() // 国际化
+const message = useMessage() // 消息提示
 
 // 时间范围快捷选项
 const rangeOptions = computed(() => [
@@ -43,30 +49,60 @@ const granularity = ref<'day' | 'week' | 'month' | 'quarter' | 'year'>('day') //
 const filterStatsScope = ref<'INCLUDED' | 'ALL' | 'EXCLUDED'>('INCLUDED') // 统计口径
 const filterType = ref<string[]>([]) // 类型（多选）
 const filterCategory = ref<number[]>([]) // 分类（多选，0 表示未分类）
-const filterPaymentMethod = ref<string[]>([]) // 支付方式（多选）
+const filterChannel = ref<string[]>([]) // 交易渠道（多选）
+const filterTag = ref<number[]>([]) // 标签（多选）
 const filterMinAmount = ref<number | null>(null) // 最小金额
 const filterMaxAmount = ref<number | null>(null) // 最大金额
 const filterRemark = ref('') // 备注关键字
 
+// AI 统计搜索状态
+const aiEnabled = ref(false)
+const aiQueryText = ref('')
+const aiQuerying = ref(false)
+const aiSearchResult = ref<AiStatisticsResult | null>(null)
+const showAiSearchModal = ref(false)
+
+// AI 搜索示例（下拉选择后填入输入框）
+const aiExampleOptions = computed(() => [
+  { label: t('dashboard.aiExample1'), key: t('dashboard.aiExample1') },
+  { label: t('dashboard.aiExample2'), key: t('dashboard.aiExample2') },
+  { label: t('dashboard.aiExample3'), key: t('dashboard.aiExample3') },
+])
+
+// AI 搜索历史记录（与账单列表一致：持久化、聚焦展示、可清空）
+const aiSearchHistory = useKeywordHistory({
+  storageKey: 'finance.dashboard.aiSearchHistory',
+  text: aiQueryText,
+  clearLabel: () => t('ai.query.clearHistory'),
+})
+
 // 统计口径选项：仅计入 / 全部 / 仅不计入
 const statsScopeOptions = computed(() => [
   { label: t('dashboard.statsScope.included'), value: 'INCLUDED' },
   { label: t('dashboard.statsScope.all'), value: 'ALL' },
   { label: t('dashboard.statsScope.excluded'), value: 'EXCLUDED' },
 ])
-// 类型与支付方式选项
+// 类型与交易渠道选项
 const typeOptions = computed(() => [
   { label: t('common.types.expense'), value: 'EXPENSE' },
   { label: t('common.types.income'), value: 'INCOME' },
 ])
-// 支付方式编码列表（从后端动态获取，含账单导入来源与人工支付方式）
-const paymentMethodCodes = ref<string[]>([])
-// 支付方式选项：由后端返回的编码映射为当前语言标签，locale 变化时重新生成
-const paymentOptions = computed(() => {
+// 交易渠道编码列表（从后端动态获取，含账单导入来源与人工交易渠道）
+const channelCodes = ref<string[]>([])
+// 交易渠道选项：由后端返回的编码映射为当前语言标签，locale 变化时重新生成
+const channelOptions = computed(() => {
   void locale.value
-  return paymentMethodCodes.value.map((code) => ({ label: getPaymentLabel(code), value: code }))
+  return channelCodes.value.map((code) => ({ label: getChannelLabel(code), value: code }))
 })
 
+/** 标签选项 */
+interface TagOption {
+  label: string
+  value: number
+}
+const tags = ref<TagOption[]>([])
+const tagOptions = computed(() => tags.value)
+
 /** 分类选项数据结构 */
 interface CategoryOption {
   label: string
@@ -96,7 +132,8 @@ const filterParams = computed(() => ({
   statsScope: filterStatsScope.value,
   types: filterType.value.length > 0 ? filterType.value : undefined,
   ...buildCategoryFilter(),
-  paymentMethods: filterPaymentMethod.value.length > 0 ? filterPaymentMethod.value : undefined,
+  channels: filterChannel.value.length > 0 ? filterChannel.value : undefined,
+  tagIds: filterTag.value.length > 0 ? filterTag.value : undefined,
   minAmount: filterMinAmount.value ?? undefined,
   maxAmount: filterMaxAmount.value ?? undefined,
   remark: filterRemark.value.trim() || undefined,
@@ -110,12 +147,12 @@ const summary = ref<any>({
 })
 const trendData = ref<any[]>([]) // 趋势分组数据
 const categoryData = ref<any[]>([]) // 分类分组数据
-const paymentData = ref<any[]>([]) // 支付方式分组数据
+const channelData = ref<any[]>([]) // 交易渠道分组数据
 
 const pieOption = ref({}) // 支出分类饼图
 const incomePieOption = ref({}) // 收入分类饼图
-const paymentOption = ref({}) // 支出支付方式饼图
-const incomePaymentOption = ref({}) // 收入支付方式饼图
+const channelOption = ref({}) // 支出交易渠道饼图
+const incomeChannelOption = ref({}) // 收入交易渠道饼图
 const trendOption = ref({}) // 趋势柱状图
 
 const pad = (n: number) => String(n).padStart(2, '0')
@@ -220,35 +257,35 @@ function updateIncomePieChart() {
   }
 }
 
-/** 更新支出支付方式占比饼图：仅统计支出，标签按当前语言本地化 */
-function updatePaymentChart() {
-  paymentOption.value = {
-    title: { text: t('dashboard.expensePaymentPie'), left: 'center' },
+/** 更新支出交易渠道占比饼图：仅统计支出，标签按当前语言本地化 */
+function updateChannelChart() {
+  channelOption.value = {
+    title: { text: t('dashboard.expenseChannelPie'), left: 'center' },
     tooltip: { trigger: 'item', formatter: '{b}: {c} ({d}%)' },
     series: [
       {
         type: 'pie',
         radius: ['40%', '70%'],
-        data: paymentData.value
+        data: channelData.value
           .filter((p: any) => Number(p.expense) > 0)
-          .map((p: any) => ({ name: getPaymentLabel(p.key), value: Number(p.expense) })),
+          .map((p: any) => ({ name: getChannelLabel(p.key), value: Number(p.expense) })),
       },
     ],
   }
 }
 
-/** 更新收入支付方式占比饼图：仅统计收入，标签按当前语言本地化 */
-function updateIncomePaymentChart() {
-  incomePaymentOption.value = {
-    title: { text: t('dashboard.incomePaymentPie'), left: 'center' },
+/** 更新收入交易渠道占比饼图：仅统计收入，标签按当前语言本地化 */
+function updateIncomeChannelChart() {
+  incomeChannelOption.value = {
+    title: { text: t('dashboard.incomeChannelPie'), left: 'center' },
     tooltip: { trigger: 'item', formatter: '{b}: {c} ({d}%)' },
     series: [
       {
         type: 'pie',
         radius: ['40%', '70%'],
-        data: paymentData.value
+        data: channelData.value
           .filter((p: any) => Number(p.income) > 0)
-          .map((p: any) => ({ name: getPaymentLabel(p.key), value: Number(p.income) })),
+          .map((p: any) => ({ name: getChannelLabel(p.key), value: Number(p.income) })),
       },
     ],
   }
@@ -283,20 +320,20 @@ async function fetchData() {
   const { startTime, endTime } = range.value
   const filters = filterParams.value
   try {
-    const [summaryRes, trendRes, categoryRes, paymentRes]: any[] = await Promise.all([
+    const [summaryRes, trendRes, categoryRes, channelRes]: any[] = await Promise.all([
       getStatisticsSummary({ startTime, endTime, ...filters }),
       getStatisticsGroup({ dimension: granularity.value, startTime, endTime, ...filters }),
       getStatisticsGroup({ dimension: 'category', startTime, endTime, ...filters }),
-      getStatisticsGroup({ dimension: 'paymentMethod', startTime, endTime, ...filters }),
+      getStatisticsGroup({ dimension: 'channel', startTime, endTime, ...filters }),
     ])
     summary.value = summaryRes.data
     trendData.value = trendRes.data
     categoryData.value = categoryRes.data
-    paymentData.value = paymentRes.data
+    channelData.value = channelRes.data
     updatePieChart()
     updateIncomePieChart()
-    updatePaymentChart()
-    updateIncomePaymentChart()
+    updateChannelChart()
+    updateIncomeChannelChart()
     updateTrendChart()
   } catch (e: any) {
     console.error('加载统计数据失败', e)
@@ -319,7 +356,10 @@ function loadPrefs() {
     if (['INCLUDED', 'ALL', 'EXCLUDED'].includes(p.filterStatsScope)) filterStatsScope.value = p.filterStatsScope
     if (Array.isArray(p.filterType)) filterType.value = p.filterType
     if (Array.isArray(p.filterCategory)) filterCategory.value = p.filterCategory
-    if (Array.isArray(p.filterPaymentMethod)) filterPaymentMethod.value = p.filterPaymentMethod
+    // 兼容旧版本以 filterPaymentMethod 存储的偏好
+    const savedChannel = Array.isArray(p.filterChannel) ? p.filterChannel : p.filterPaymentMethod
+    if (Array.isArray(savedChannel)) filterChannel.value = savedChannel
+    if (Array.isArray(p.filterTag)) filterTag.value = p.filterTag
     if (typeof p.filterMinAmount === 'number') filterMinAmount.value = p.filterMinAmount
     if (typeof p.filterMaxAmount === 'number') filterMaxAmount.value = p.filterMaxAmount
     if (typeof p.filterRemark === 'string') filterRemark.value = p.filterRemark
@@ -339,7 +379,8 @@ function savePrefs() {
       filterStatsScope: filterStatsScope.value,
       filterType: filterType.value,
       filterCategory: filterCategory.value,
-      filterPaymentMethod: filterPaymentMethod.value,
+      filterChannel: filterChannel.value,
+      filterTag: filterTag.value,
       filterMinAmount: filterMinAmount.value,
       filterMaxAmount: filterMaxAmount.value,
       filterRemark: filterRemark.value,
@@ -359,22 +400,149 @@ async function fetchCategories() {
   }
 }
 
-/** 从后端加载支付方式列表，供筛选下拉使用 */
-async function loadPaymentMethods() {
+/** 从后端加载交易渠道列表，供筛选下拉使用 */
+async function loadChannels() {
   try {
-    const res: any = await getPaymentMethods()
-    paymentMethodCodes.value = res.data || []
+    const res: any = await getChannels()
+    channelCodes.value = res.data || []
   } catch (e) {
-    // 静默处理，支付方式下拉保持为空
+    // 静默处理，交易渠道下拉保持为空
   }
 }
 
+/** 加载标签选项，供筛选下拉与 AI 统计使用 */
+async function loadTags() {
+  try {
+    const res: any = await getTagList()
+    tags.value = (res.data || []).map((tag: any) => ({ label: tag.name, value: tag.id }))
+  } catch (e) {
+    // 静默处理
+  }
+}
+
+/** 读取 AI 启用状态，未启用时不渲染 AI 搜索框 */
+async function loadAiConfig() {
+  try {
+    const res: any = await getAiConfig()
+    aiEnabled.value = !!res.data?.enabled
+  } catch (e) {
+    aiEnabled.value = false
+  }
+}
+
+/** 将 AI 解析结果应用到统计面板筛选条件与粒度 */
+async function applyAiStatistics(result: AiStatisticsResult) {
+  if (result.startTime && result.endTime) {
+    suppressRangeWatch = true
+    rangeType.value = 'custom'
+    customRange.value = [
+      new Date(result.startTime.replace('T', ' ').replace(/-/g, '/')).getTime(),
+      new Date(result.endTime.replace('T', ' ').replace(/-/g, '/')).getTime(),
+    ]
+  }
+  if (result.dimension) {
+    granularity.value = result.dimension
+  }
+  if (result.statsScope) {
+    filterStatsScope.value = result.statsScope
+  }
+  filterType.value = result.types || []
+  filterCategory.value = result.categoryIds || []
+  filterChannel.value = result.channels || []
+  filterTag.value = result.tagIds || []
+  filterMinAmount.value = result.minAmount
+  filterMaxAmount.value = result.maxAmount
+  filterRemark.value = result.remark || ''
+  await nextTick()
+  suppressRangeWatch = false
+}
+
+/** 解析结果是否为空（无任何可用条件） */
+const aiSearchEmpty = computed(() => {
+  const r = aiSearchResult.value
+  if (!r) return true
+  return (r.types?.length ?? 0) === 0
+    && (r.categoryIds?.length ?? 0) === 0
+    && (r.tagIds?.length ?? 0) === 0
+    && (r.channels?.length ?? 0) === 0
+    && !r.startTime
+    && r.minAmount == null
+    && r.maxAmount == null
+    && !r.remark
+    && !r.statsScope
+    && !r.dimension
+})
+
+/** 打开 AI 搜索弹窗 */
+function handleAiSearchOpen() {
+  if (!aiEnabled.value) {
+    message.warning(t('ai.needConfig'))
+    return
+  }
+  showAiSearchModal.value = true
+}
+
+/** 提交自然语言统计搜索 */
+async function handleAiStatistics() {
+  if (!aiEnabled.value) {
+    message.warning(t('ai.needConfig'))
+    return
+  }
+  const text = aiQueryText.value.trim()
+  if (!text) {
+    message.warning(t('ai.query.emptyInput'))
+    return
+  }
+  aiSearchHistory.record()
+  aiQuerying.value = true
+  try {
+    const res: any = await parseStatisticsByAi(text)
+    aiSearchResult.value = res.data
+    // 无任何可用条件时提示，避免误清空当前筛选与时间范围
+    if (aiSearchEmpty.value) {
+      message.warning(t('ai.query.noCondition'))
+      return
+    }
+    await applyAiStatistics(aiSearchResult.value as AiStatisticsResult)
+    showAiSearchModal.value = false
+    message.success(aiSearchResult.value?.summary || t('dashboard.aiSearchApplied'))
+  } catch (e: any) {
+    message.error(e.message || t('dashboard.aiSearchFailed'))
+  } finally {
+    aiQuerying.value = false
+  }
+}
+
+/** 选中历史项：清空历史，或填入并立即查询 */
+function handleAiSearchSelect(value: string) {
+  if (value === aiSearchHistory.clearValue) {
+    aiSearchHistory.clear()
+    return
+  }
+  aiQueryText.value = value
+  handleAiStatistics()
+}
+
+/** 回车时发起查询（阻止 NAutoComplete 内部选中建议项） */
+function handleAiSearchKeydown(e: KeyboardEvent) {
+  if (e.key === 'Enter') {
+    e.stopPropagation()
+    handleAiStatistics()
+  }
+}
+
+/** 选择示例后填入输入框 */
+function handleExampleSelect(key: string) {
+  aiQueryText.value = key
+}
+
 /** 重置所有过滤条件（保留时间范围与粒度） */
 function handleResetFilters() {
   filterStatsScope.value = 'INCLUDED'
   filterType.value = []
   filterCategory.value = []
-  filterPaymentMethod.value = []
+  filterChannel.value = []
+  filterTag.value = []
   filterMinAmount.value = null
   filterMaxAmount.value = null
   filterRemark.value = ''
@@ -391,20 +559,23 @@ watch(rangeType, (v) => {
 // 范围、粒度或过滤条件变化时重新加载
 watch([() => range.value.startTime, () => range.value.endTime, granularity, filterParams], fetchData)
 // 任一偏好变化时自动保存
-watch([rangeType, customRange, granularity, filterStatsScope, filterType, filterCategory, filterPaymentMethod, filterMinAmount, filterMaxAmount, filterRemark], savePrefs, { deep: true })
+watch([rangeType, customRange, granularity, filterStatsScope, filterType, filterCategory, filterChannel, filterTag, filterMinAmount, filterMaxAmount, filterRemark], savePrefs, { deep: true })
 // 语言切换时重绘图表，更新标题与图例文案
 watch(locale, () => {
   updatePieChart()
   updateIncomePieChart()
-  updatePaymentChart()
-  updateIncomePaymentChart()
+  updateChannelChart()
+  updateIncomeChannelChart()
   updateTrendChart()
 })
 
 onMounted(async () => {
   loadPrefs()
   fetchCategories()
-  loadPaymentMethods()
+  loadChannels()
+  loadTags()
+  loadAiConfig()
+  aiSearchHistory.load()
   await nextTick()
   suppressRangeWatch = false
   fetchData()
@@ -426,6 +597,12 @@ onMounted(async () => {
           style="width: 260px;"
         />
         <span style="color: #999; font-size: 12px;">{{ range.startTime.substring(0, 10) }} ~ {{ range.endTime.substring(0, 10) }}</span>
+        <NButton v-if="aiEnabled" @click="handleAiSearchOpen">
+          <template #icon>
+            <NIcon :component="SparklesOutline" />
+          </template>
+          {{ t('ai.query.entry') }}
+        </NButton>
       </NSpace>
     </NSpace>
 
@@ -459,15 +636,25 @@ onMounted(async () => {
           style="width: 200px;"
         />
         <NSelect
-          v-model:value="filterPaymentMethod"
-          :options="paymentOptions"
+          v-model:value="filterChannel"
+          :options="channelOptions"
           multiple
           clearable
           filterable
           :max-tag-count="2"
-          :placeholder="t('dashboard.filterPaymentMethod')"
+          :placeholder="t('dashboard.filterChannel')"
           style="width: 200px;"
         />
+        <NSelect
+          v-model:value="filterTag"
+          :options="tagOptions"
+          multiple
+          clearable
+          filterable
+          :max-tag-count="2"
+          :placeholder="t('dashboard.filterTag')"
+          style="width: 180px;"
+        />
         <NInputNumber
           v-model:value="filterMinAmount"
           :min="0"
@@ -562,7 +749,7 @@ onMounted(async () => {
       <VChart :option="trendOption" style="height: 350px;" autoresize />
     </NCard>
 
-    <!-- 饼图区域：支出/收入分类占比 + 支出/收入支付方式占比 -->
+    <!-- 饼图区域：支出/收入分类占比 + 支出/收入交易渠道占比 -->
     <NGrid :cols="2" :x-gap="16" :y-gap="16">
       <NGridItem>
         <NCard>
@@ -576,14 +763,57 @@ onMounted(async () => {
       </NGridItem>
       <NGridItem>
         <NCard>
-          <VChart :option="paymentOption" style="height: 350px;" autoresize />
+          <VChart :option="channelOption" style="height: 350px;" autoresize />
         </NCard>
       </NGridItem>
       <NGridItem>
         <NCard>
-          <VChart :option="incomePaymentOption" style="height: 350px;" autoresize />
+          <VChart :option="incomeChannelOption" style="height: 350px;" autoresize />
         </NCard>
       </NGridItem>
     </NGrid>
+
+    <!-- AI 统计搜索弹窗（交互与账单列表 AI 查询一致） -->
+    <NModal
+      v-if="aiEnabled"
+      v-model:show="showAiSearchModal"
+      preset="card"
+      :title="t('ai.query.title')"
+      style="width: 520px; max-width: 92vw;"
+    >
+      <NSpace vertical :size="12">
+        <NAlert type="info" :show-icon="true">{{ t('ai.query.hint') }}</NAlert>
+        <NAutoComplete
+          :value="aiQueryText"
+          :options="aiSearchHistory.options.value"
+          :get-show="aiSearchHistory.showMenu"
+          :render-label="aiSearchHistory.renderLabel"
+          :input-props="{ onKeydown: handleAiSearchKeydown }"
+          clearable
+          :placeholder="t('dashboard.aiSearchPlaceholder')"
+          style="width: 100%;"
+          @update:value="aiSearchHistory.handleInput"
+          @select="handleAiSearchSelect"
+        >
+          <template #prefix>
+            <NIcon :component="SparklesOutline" />
+          </template>
+        </NAutoComplete>
+        <NSpace justify="space-between" align="center">
+          <NDropdown trigger="click" :options="aiExampleOptions" @select="handleExampleSelect">
+            <NButton text type="primary" size="small">
+              <template #icon>
+                <NIcon :component="BulbOutline" />
+              </template>
+              {{ t('transaction.exampleLabel') }}
+            </NButton>
+          </NDropdown>
+          <NSpace>
+            <NButton @click="showAiSearchModal = false">{{ t('common.cancel') }}</NButton>
+            <NButton type="primary" :loading="aiQuerying" @click="handleAiStatistics">{{ t('ai.query.button') }}</NButton>
+          </NSpace>
+        </NSpace>
+      </NSpace>
+    </NModal>
   </div>
 </template>