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/TransactionList.vue

@@ -3,14 +3,14 @@
 import { ref, onMounted, computed, h, watch } from 'vue'
 import { useI18n } from 'vue-i18n'
 import { useMessage, useDialog, NButton, NSpace, NDataTable, NTag, NModal, NForm, NFormItem, NInput, NInputNumber, NSelect, NDatePicker, NPagination, NCard, NSwitch, NIcon, NPopover, NAutoComplete, NAlert, NDivider, NDropdown } from 'naive-ui'
-import { EyeOutline, EyeOffOutline, SparklesOutline, BulbOutline } from '@vicons/ionicons5'
+import { EyeOutline, EyeOffOutline, SparklesOutline, BulbOutline, RefreshOutline } from '@vicons/ionicons5'
 import type { DataTableColumns } from 'naive-ui'
-import { getTransactionPage, createTransaction, updateTransaction, deleteTransaction, exportTransaction, toggleTransactionStats, toggleRemarkHidden, batchUpdateCategory, batchTags, getPaymentMethods, batchDeleteTransactions } from '../api/transaction'
+import { getTransactionPage, createTransaction, updateTransaction, deleteTransaction, exportTransaction, toggleTransactionStats, toggleRemarkHidden, batchUpdateCategory, batchTags, getChannels, batchDeleteTransactions } from '../api/transaction'
 import { getAiConfig, suggestByAi, suggestOneByAi, applyAiSuggestions, queryByAi, parseRecordByAi, parseCategoryByAi, parseTagByAi } from '../api/ai'
 import type { AiSuggestion, AiQueryResult, AiRecordResult } from '../api/ai'
 import { getCategoryList, createCategory } from '../api/category'
 import { getTagList, createTag } from '../api/tag'
-import { getPaymentLabel } from '../utils/payment'
+import { getChannelLabel } from '../utils/channel'
 import { renderCategoryLabel } from '../utils/render'
 import { useKeywordHistory } from '../composables/useKeywordHistory'
 import BillImportModal from './BillImportModal.vue'
@@ -27,7 +27,7 @@ interface TransactionItem {
   categoryIcon: string
   type: string // INCOME 或 EXPENSE
   amount: number
-  paymentMethod: string
+  channel: string
   remark: string
   remarkHidden: boolean
   transactionTime: string
@@ -185,7 +185,7 @@ const form = ref({
   categoryId: null as number | null,
   type: 'EXPENSE',
   amount: null as number | null,
-  paymentMethod: '',
+  channel: '',
   remark: '',
   transactionTime: Date.now(),
   includeInStats: true,
@@ -198,18 +198,18 @@ const typeOptions = computed(() => [
   { 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[]>([])
+// 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[]>([])
 
-// 支付方式选项：由后端返回的编码映射为当前语言标签
-const paymentOptions = computed(() =>
-  paymentMethodCodes.value.map((code) => ({ label: getPaymentLabel(code), value: code })),
+// 交易渠道选项：由后端返回的编码映射为当前语言标签
+const channelOptions = computed(() =>
+  channelCodes.value.map((code) => ({ label: getChannelLabel(code), value: code })),
 )
 
 // 筛选条件状态
 const filterType = ref<string[]>([]) // 类型筛选（多选）
 const filterCategory = ref<number[]>([]) // 分类筛选（多选）
-const filterPaymentMethod = ref<string[]>([]) // 支付方式筛选（多选）
+const filterChannel = ref<string[]>([]) // 交易渠道筛选（多选）
 const filterDateRange = ref<[number, number] | null>(null) // 日期范围筛选（起止时间戳）
 const filterIncludeInStats = ref<string | null>(null) // 计入统计筛选：null-全部，'true'-计入，'false'-不计入
 const filterRemark = ref('') // 备注关键字搜索
@@ -293,7 +293,9 @@ function loadFilterPrefs() {
     const p = JSON.parse(raw)
     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.filterDateRange) && p.filterDateRange.length === 2) filterDateRange.value = p.filterDateRange
     if (p.filterIncludeInStats === 'true' || p.filterIncludeInStats === 'false') filterIncludeInStats.value = p.filterIncludeInStats
     if (typeof p.filterRemark === 'string') filterRemark.value = p.filterRemark
@@ -313,7 +315,7 @@ function saveFilterPrefs() {
     localStorage.setItem(FILTER_PREFS_KEY, JSON.stringify({
       filterType: filterType.value,
       filterCategory: filterCategory.value,
-      filterPaymentMethod: filterPaymentMethod.value,
+      filterChannel: filterChannel.value,
       filterDateRange: filterDateRange.value,
       filterIncludeInStats: filterIncludeInStats.value,
       filterRemark: filterRemark.value,
@@ -330,7 +332,7 @@ function saveFilterPrefs() {
 
 // 筛选条件变化时自动保存用户偏好
 watch(
-  [filterType, filterCategory, filterPaymentMethod, filterDateRange, filterIncludeInStats, filterRemark, filterMinAmount, filterMaxAmount, pageSize, sortValue, filterTag],
+  [filterType, filterCategory, filterChannel, filterDateRange, filterIncludeInStats, filterRemark, filterMinAmount, filterMaxAmount, pageSize, sortValue, filterTag],
   saveFilterPrefs,
   { deep: true },
 )
@@ -461,8 +463,8 @@ function createColumns(): DataTableColumns<TransactionItem> {
       },
     },
     {
-      title: t('transaction.column.paymentMethod'), key: 'paymentMethod', width: 100,
-      render(row) { return getPaymentLabel(row.paymentMethod) },
+      title: t('transaction.column.channel'), key: 'channel', width: 100,
+      render(row) { return getChannelLabel(row.channel) },
     },
     {
       title: t('transaction.column.remark'), key: 'remark', minWidth: 220,
@@ -523,13 +525,13 @@ function createColumns(): DataTableColumns<TransactionItem> {
 
 const columns = computed(() => createColumns()) // 表格列配置（随语言切换响应式更新）
 
-/** 从后端加载支付方式列表，供筛选与编辑表单使用 */
-async function loadPaymentMethods() {
+/** 从后端加载交易渠道列表，供筛选与编辑表单使用 */
+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
   }
 }
 
@@ -562,7 +564,7 @@ async function fetchData() {
       size: pageSize.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,
       startTime: filterDateRange.value ? formatTimestamp(filterDateRange.value[0]) : undefined,
       endTime: filterDateRange.value ? formatTimestamp(filterDateRange.value[1], true) : undefined,
       includeInStats: filterIncludeInStats.value === null ? undefined : filterIncludeInStats.value === 'true',
@@ -607,7 +609,7 @@ function handleViewRaw(row: TransactionItem) {
 /** 打开新增记录弹窗，重置表单 */
 function handleAdd() {
   editingId.value = null
-  form.value = { categoryId: null, type: 'EXPENSE', amount: null, paymentMethod: '', remark: '', transactionTime: Date.now(), includeInStats: true, tagIds: [] }
+  form.value = { categoryId: null, type: 'EXPENSE', amount: null, channel: '', remark: '', transactionTime: Date.now(), includeInStats: true, tagIds: [] }
   pendingCategory.value = null
   pendingTag.value = null
   showModal.value = true
@@ -620,7 +622,7 @@ function handleEdit(row: TransactionItem) {
     categoryId: row.categoryId,
     type: row.type,
     amount: row.amount,
-    paymentMethod: row.paymentMethod || '',
+    channel: row.channel || '',
     remark: row.remark || '',
     transactionTime: new Date(row.transactionTime).getTime(),
     includeInStats: row.includeInStats ?? true,
@@ -646,7 +648,7 @@ async function handleSubmit() {
     categoryId: form.value.categoryId!,
     type: form.value.type,
     amount: form.value.amount!,
-    paymentMethod: form.value.paymentMethod || undefined,
+    channel: form.value.channel || undefined,
     remark: form.value.remark || undefined,
     transactionTime: formatLocalDateTime(form.value.transactionTime),
     includeInStats: form.value.includeInStats,
@@ -737,7 +739,7 @@ function handleSearch() {
 function handleReset() {
   filterType.value = []
   filterCategory.value = []
-  filterPaymentMethod.value = []
+  filterChannel.value = []
   filterDateRange.value = null
   filterIncludeInStats.value = null
   filterRemark.value = ''
@@ -797,14 +799,14 @@ async function handleAiSuggest() {
   }
 }
 
-/** 编辑弹窗内 AI 推荐分类：基于表单当前内容（类型、金额、支付方式、备注） */
+/** 编辑弹窗内 AI 推荐分类：基于表单当前内容（类型、金额、交易渠道、备注） */
 async function handleAiSuggestOne() {
   aiFormLoading.value = true
   try {
     const res: any = await suggestOneByAi({
       type: form.value.type,
       amount: form.value.amount,
-      paymentMethod: form.value.paymentMethod || undefined,
+      channel: form.value.channel || undefined,
       remark: form.value.remark || undefined,
     })
     const suggestion = res.data
@@ -850,7 +852,7 @@ function buildCategoryPrompt() {
   const parts = [`这是一笔${typeLabel}记录`]
   if (form.value.remark) parts.push(`备注：${form.value.remark}`)
   if (form.value.amount) parts.push(`金额：${form.value.amount}`)
-  if (form.value.paymentMethod) parts.push(`支付方式：${getPaymentLabel(form.value.paymentMethod)}`)
+  if (form.value.channel) parts.push(`交易渠道：${getChannelLabel(form.value.channel)}`)
   parts.push('请生成一个能涵盖这类记录的记账分类')
   return parts.join('，')
 }
@@ -894,7 +896,7 @@ async function handleAiTagSuggest() {
     const res: any = await suggestOneByAi({
       type: form.value.type,
       amount: form.value.amount,
-      paymentMethod: form.value.paymentMethod || undefined,
+      channel: form.value.channel || undefined,
       remark: form.value.remark || undefined,
     })
     const suggestion = res.data
@@ -1055,7 +1057,7 @@ async function handleAiRecordParse() {
       categoryId: r.categoryId ?? null,
       type: r.type || 'EXPENSE',
       amount: r.amount ?? null,
-      paymentMethod: r.paymentMethod || '',
+      channel: r.channel || '',
       remark: r.remark || '',
       transactionTime: r.transactionTime ? new Date(r.transactionTime).getTime() : Date.now(),
       includeInStats: r.includeInStats ?? true,
@@ -1121,7 +1123,7 @@ function applyAiQuery() {
   const categoryIds = [...(r.categoryIds || [])]
   if (r.uncategorized) categoryIds.push(0)
   filterCategory.value = categoryIds
-  filterPaymentMethod.value = r.paymentMethods || []
+  filterChannel.value = r.channels || []
   filterDateRange.value = r.startTime && r.endTime
     ? [new Date(r.startTime).getTime(), new Date(r.endTime).getTime()]
     : null
@@ -1143,7 +1145,7 @@ const aiQueryEmpty = computed(() => {
     && (r.categoryIds?.length ?? 0) === 0
     && !r.uncategorized
     && (r.tagIds?.length ?? 0) === 0
-    && (r.paymentMethods?.length ?? 0) === 0
+    && (r.channels?.length ?? 0) === 0
     && !r.startTime
     && r.minAmount == null
     && r.maxAmount == null
@@ -1226,11 +1228,11 @@ const activeFilterTags = computed(() => {
     })
   }
 
-  filterPaymentMethod.value.forEach((v) => {
+  filterChannel.value.forEach((v) => {
     tags.push({
-      key: `payment:${v}`,
-      label: getPaymentLabel(v),
-      clear: () => { filterPaymentMethod.value = filterPaymentMethod.value.filter((x) => x !== v) },
+      key: `channel:`,
+      label: getChannelLabel(v),
+      clear: () => { filterChannel.value = filterChannel.value.filter((x) => x !== v) },
     })
   })
 
@@ -1451,7 +1453,7 @@ async function doExport() {
     const res = await exportTransaction({
       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,
       startTime: filterDateRange.value ? formatTimestamp(filterDateRange.value[0]) : undefined,
       endTime: filterDateRange.value ? formatTimestamp(filterDateRange.value[1], true) : undefined,
       includeInStats: filterIncludeInStats.value === null ? undefined : filterIncludeInStats.value === 'true',
@@ -1487,7 +1489,7 @@ onMounted(() => {
   loadAiConfig()
   fetchCategories()
   fetchTags()
-  loadPaymentMethods()
+  loadChannels()
   fetchData()
 })
 </script>
@@ -1507,6 +1509,12 @@ onMounted(() => {
         </NButton>
         <NButton @click="showImportModal = true">{{ t('transaction.importBill') }}</NButton>
         <NButton :loading="exporting" @click="handleExport">{{ t('transaction.exportExcel') }}</NButton>
+        <NButton :loading="loading" @click="fetchData">
+          <template #icon>
+            <NIcon :component="RefreshOutline" />
+          </template>
+          {{ t('common.refresh') }}
+        </NButton>
         <NButton v-if="aiEnabled" @click="handleAiRecordOpen">
           <template #icon>
             <NIcon :component="SparklesOutline" />
@@ -1562,12 +1570,12 @@ onMounted(() => {
           @blur="handleRemarkBlur"
         />
         <NSelect
-          v-model:value="filterPaymentMethod"
-          :options="paymentOptions"
+          v-model:value="filterChannel"
+          :options="channelOptions"
           multiple
           clearable
           :max-tag-count="2"
-          :placeholder="t('transaction.column.paymentMethod')"
+          :placeholder="t('transaction.column.channel')"
           style="width: 180px;"
         />
         <NPopover v-model:show="showMoreFilter" trigger="click" placement="bottom-start">
@@ -1721,8 +1729,8 @@ onMounted(() => {
         <NFormItem :label="t('transaction.column.amount')">
           <NInputNumber v-model:value="form.amount" :min="0.01" :precision="2" style="width: 100%;" :placeholder="t('transaction.amountPlaceholder')" />
         </NFormItem>
-        <NFormItem :label="t('transaction.column.paymentMethod')">
-          <NSelect v-model:value="form.paymentMethod" :options="paymentOptions" clearable :placeholder="t('transaction.paymentPlaceholder')" />
+        <NFormItem :label="t('transaction.column.channel')">
+          <NSelect v-model:value="form.channel" :options="channelOptions" clearable :placeholder="t('transaction.channelPlaceholder')" />
         </NFormItem>
         <NFormItem :label="t('transaction.column.transactionTime')">
           <NDatePicker v-model:value="form.transactionTime" type="datetime" style="width: 100%;" />