feat: 新增定时账单导入提醒与通知直达导入页

- 新增通知配置、渠道、发送日志三张表（MySQL/SQLite 双建表脚本）及实体、Mapper、Service、Controller
- 支持邮箱（SMTP）与 Server 酱两种推送渠道，抽象 NotificationSender 工厂统一发送
- 新增 NotificationScheduler 定时任务，按每天/每周/每月周期检查并推送账单导入提醒
- 新增全局通知链接地址配置（/api/app/notification-url），随提醒一并下发
- 前端系统设置页新增「定时通知」面板，支持周期配置、渠道增删改测、立即发送与发送日志
- 新增 /bill-import 直达页，供提醒链接一键打开账单上传弹窗
- 登录支持 redirect 回跳，仅允许站内路径以防开放重定向

src/main/java/cn/rosercode/finance/config/NotificationSchedulingConfig.java

@@ -0,0 +1,16 @@
+package cn.rosercode.finance.config;
+
+import org.springframework.context.annotation.Configuration;
+import org.springframework.scheduling.annotation.EnableScheduling;
+
+/**
+ * 通知调度配置类。
+ *
+ * <p>开启 Spring 的定时任务能力，供通知调度器按用户配置的周期检查并推送账单导入提醒。</p>
+ *
+ * @date 2026-09-18 12:36:47
+ */
+@Configuration
+@EnableScheduling
+public class NotificationSchedulingConfig {
+}

src/main/java/cn/rosercode/finance/config/app/AppConfig.java

@@ -17,4 +17,7 @@ public class AppConfig {
 
     /** 是否开放注册：true 开放，false 关闭（默认关闭） */
     private boolean registrationEnabled = false;
+
+    /** 通知链接地址（完整链接，如 https://finance.rosercode.cn/bill-import），为空时通知不附带链接 */
+    private String notificationUrl;
 }

src/main/java/cn/rosercode/finance/controller/AppConfigController.java

@@ -0,0 +1,58 @@
+package cn.rosercode.finance.controller;
+
+import cn.rosercode.finance.common.Result;
+import cn.rosercode.finance.config.app.AppConfig;
+import cn.rosercode.finance.config.app.AppConfigStore;
+import cn.rosercode.finance.dto.NotificationUrlRequest;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PutMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+
+/**
+ * 应用配置控制器
+ *
+ * <p>提供全局应用级配置的读写接口，当前包含通知链接地址（账单导入提醒中的跳转链接）。</p>
+ *
+ * @date 2026-09-18 15:55:15
+ */
+@RestController
+@RequestMapping("/api/app")
+@Tag(name = "应用配置", description = "全局应用级配置读写接口")
+public class AppConfigController {
+
+    private final AppConfigStore appConfigStore;
+
+    public AppConfigController(AppConfigStore appConfigStore) {
+        this.appConfigStore = appConfigStore;
+    }
+
+    /**
+     * 查询通知链接地址。
+     *
+     * @return 通知链接地址，未配置时为空
+     */
+    @GetMapping("/notification-url")
+    @Operation(summary = "查询通知链接地址", description = "读取账单导入提醒中使用的跳转链接")
+    public Result<String> getNotificationUrl() {
+        return Result.success(appConfigStore.load().getNotificationUrl());
+    }
+
+    /**
+     * 更新通知链接地址。
+     *
+     * @param request 通知链接地址更新请求
+     * @return 更新后的通知链接地址
+     */
+    @PutMapping("/notification-url")
+    @Operation(summary = "更新通知链接地址", description = "设置账单导入提醒中使用的跳转链接")
+    public Result<String> updateNotificationUrl(@RequestBody NotificationUrlRequest request) {
+        AppConfig config = appConfigStore.load();
+        config.setNotificationUrl(request.getUrl());
+        appConfigStore.save(config);
+        return Result.success(config.getNotificationUrl());
+    }
+}

src/main/java/cn/rosercode/finance/controller/NotificationController.java

@@ -0,0 +1,182 @@
+package cn.rosercode.finance.controller;
+
+import cn.rosercode.finance.common.Result;
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationConfigService;
+import cn.rosercode.finance.service.NotificationService;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+import cn.rosercode.finance.vo.NotificationLogVO;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.servlet.http.HttpServletRequest;
+import org.springframework.web.bind.annotation.DeleteMapping;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.PostMapping;
+import org.springframework.web.bind.annotation.PutMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
+
+import java.util.List;
+
+/**
+ * 通知控制器
+ *
+ * <p>提供账单导入提醒的周期配置、推送渠道管理、测试发送与发送日志查询接口。</p>
+ *
+ * @date 2026-09-18 12:38:35
+ */
+@RestController
+@RequestMapping("/api/notification")
+@Tag(name = "定时通知", description = "账单导入提醒的周期配置与多渠道推送相关接口")
+public class NotificationController {
+
+    private final NotificationConfigService notificationConfigService;
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationService notificationService;
+
+    public NotificationController(NotificationConfigService notificationConfigService,
+                                  NotificationChannelService notificationChannelService,
+                                  NotificationService notificationService) {
+        this.notificationConfigService = notificationConfigService;
+        this.notificationChannelService = notificationChannelService;
+        this.notificationService = notificationService;
+    }
+
+    /**
+     * 获取当前用户的通知配置。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 通知配置
+     */
+    @GetMapping("/config")
+    @Operation(summary = "获取通知配置", description = "获取当前用户的账单导入提醒周期配置")
+    public Result<NotificationConfigVO> getConfig(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationConfigService.getConfig(userId));
+    }
+
+    /**
+     * 保存当前用户的通知配置。
+     *
+     * @param request       HTTP请求，从中获取用户ID
+     * @param configRequest 配置保存请求
+     * @return 操作结果
+     */
+    @PutMapping("/config")
+    @Operation(summary = "保存通知配置", description = "更新当前用户的提醒周期与发送时间")
+    public Result<Void> saveConfig(HttpServletRequest request,
+                                   @RequestBody NotificationConfigRequest configRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationConfigService.saveConfig(userId, configRequest);
+        return Result.success();
+    }
+
+    /**
+     * 查询当前用户的通知渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 渠道列表
+     */
+    @GetMapping("/channels")
+    @Operation(summary = "查询通知渠道", description = "查询当前用户配置的所有推送渠道")
+    public Result<List<NotificationChannelVO>> listChannels(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationChannelService.listChannels(userId));
+    }
+
+    /**
+     * 新增通知渠道。
+     *
+     * @param request        HTTP请求，从中获取用户ID
+     * @param channelRequest 渠道保存请求
+     * @return 新渠道ID
+     */
+    @PostMapping("/channels")
+    @Operation(summary = "新增通知渠道", description = "新增邮箱或 Server 酱推送渠道")
+    public Result<Long> createChannel(HttpServletRequest request,
+                                      @RequestBody NotificationChannelRequest channelRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationChannelService.createChannel(userId, channelRequest));
+    }
+
+    /**
+     * 修改通知渠道。
+     *
+     * @param request        HTTP请求，从中获取用户ID
+     * @param id             渠道ID
+     * @param channelRequest 渠道保存请求
+     * @return 操作结果
+     */
+    @PutMapping("/channels/{id}")
+    @Operation(summary = "修改通知渠道", description = "更新指定渠道的名称、开关与配置")
+    public Result<Void> updateChannel(HttpServletRequest request, @PathVariable Long id,
+                                      @RequestBody NotificationChannelRequest channelRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationChannelService.updateChannel(userId, id, channelRequest);
+        return Result.success();
+    }
+
+    /**
+     * 删除通知渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param id      渠道ID
+     * @return 操作结果
+     */
+    @DeleteMapping("/channels/{id}")
+    @Operation(summary = "删除通知渠道", description = "删除指定的推送渠道")
+    public Result<Void> deleteChannel(HttpServletRequest request, @PathVariable Long id) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationChannelService.deleteChannel(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 测试指定渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param id      渠道ID
+     * @return 操作结果
+     */
+    @PostMapping("/channels/{id}/test")
+    @Operation(summary = "测试通知渠道", description = "向指定渠道发送一条测试消息")
+    public Result<Void> testChannel(HttpServletRequest request, @PathVariable Long id) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationService.sendTest(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 立即发送账单导入提醒。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 发送成功的渠道数
+     */
+    @PostMapping("/send-now")
+    @Operation(summary = "立即发送提醒", description = "跳过周期设置，立即向所有已启用渠道发送账单导入提醒")
+    public Result<Integer> sendNow(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationService.sendReminderNow(userId));
+    }
+
+    /**
+     * 查询最近的发送日志。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param limit   条数上限，默认 20
+     * @return 日志列表
+     */
+    @GetMapping("/logs")
+    @Operation(summary = "查询发送日志", description = "查询当前用户最近的提醒发送结果")
+    public Result<List<NotificationLogVO>> listLogs(HttpServletRequest request,
+                                                    @RequestParam(defaultValue = "20") int limit) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationService.listLogs(userId, limit));
+    }
+}

src/main/java/cn/rosercode/finance/dto/NotificationChannelRequest.java

@@ -0,0 +1,26 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+import java.util.Map;
+
+/**
+ * 通知渠道保存请求DTO，用于新增或修改消息推送渠道。
+ *
+ * @date 2026-09-18 12:37:12
+ */
+@Data
+public class NotificationChannelRequest {
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称，便于用户识别 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 渠道配置，字段随类型不同而变化；EMAIL 的 password 留空表示保留原值 */
+    private Map<String, Object> config;
+}

src/main/java/cn/rosercode/finance/dto/NotificationConfigRequest.java

@@ -0,0 +1,27 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+/**
+ * 通知配置保存请求DTO，用于更新用户的账单导入提醒周期。
+ *
+ * @date 2026-09-18 12:37:11
+ */
+@Data
+public class NotificationConfigRequest {
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28），frequency=MONTHLY 时生效 */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一），frequency=WEEKLY 时生效 */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+}

src/main/java/cn/rosercode/finance/dto/NotificationUrlRequest.java

@@ -0,0 +1,15 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+/**
+ * 通知链接地址更新请求对象。
+ *
+ * @date 2026-09-18 15:55:15
+ */
+@Data
+public class NotificationUrlRequest {
+
+    /** 通知链接地址（完整链接，如 https://finance.rosercode.cn/bill-import） */
+    private String url;
+}

src/main/java/cn/rosercode/finance/entity/NotificationChannel.java

@@ -0,0 +1,43 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知渠道实体类，对应数据库表 t_notification_channel，用于记录用户配置的消息推送渠道。
+ *
+ * @date 2026-09-18 12:37:06
+ */
+@Data
+@TableName("t_notification_channel")
+public class NotificationChannel {
+
+    /** 渠道ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称，便于用户识别 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 渠道配置（JSON），如 webhook 地址、SMTP 账号等 */
+    private String config;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}

src/main/java/cn/rosercode/finance/entity/NotificationConfig.java

@@ -0,0 +1,49 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知配置实体类，对应数据库表 t_notification_config，用于记录用户的账单导入提醒周期。
+ *
+ * @date 2026-09-18 12:37:06
+ */
+@Data
+@TableName("t_notification_config")
+public class NotificationConfig {
+
+    /** 配置ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28），frequency=MONTHLY 时生效 */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一），frequency=WEEKLY 时生效 */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+
+    /** 最近一次发送时间，用于避免同一周期重复提醒 */
+    private LocalDateTime lastSentAt;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}

src/main/java/cn/rosercode/finance/entity/NotificationLog.java

@@ -0,0 +1,40 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知日志实体类，对应数据库表 t_notification_log，用于记录每次提醒的发送结果。
+ *
+ * @date 2026-09-18 12:37:07
+ */
+@Data
+@TableName("t_notification_log")
+public class NotificationLog {
+
+    /** 日志ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 渠道ID，测试或渠道已删除时可能为空 */
+    private Long channelId;
+
+    /** 渠道类型 */
+    private String channelType;
+
+    /** 是否成功 */
+    private Boolean success;
+
+    /** 结果描述或失败原因 */
+    private String message;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+}

src/main/java/cn/rosercode/finance/enums/NotificationChannelType.java

@@ -0,0 +1,15 @@
+package cn.rosercode.finance.enums;
+
+/**
+ * 通知渠道类型枚举，标识消息推送的途径。
+ *
+ * @date 2026-09-18 12:37:05
+ */
+public enum NotificationChannelType {
+
+    /** 邮箱（SMTP，如 QQ 邮箱） */
+    EMAIL,
+
+    /** Server 酱（推送到个人微信） */
+    SERVERCHAN
+}

src/main/java/cn/rosercode/finance/enums/NotificationFrequency.java

@@ -0,0 +1,18 @@
+package cn.rosercode.finance.enums;
+
+/**
+ * 通知周期枚举，标识账单导入提醒的触发频率。
+ *
+ * @date 2026-09-18 12:37:04
+ */
+public enum NotificationFrequency {
+
+    /** 每天提醒 */
+    DAILY,
+
+    /** 每周提醒 */
+    WEEKLY,
+
+    /** 每月提醒 */
+    MONTHLY
+}

src/main/java/cn/rosercode/finance/mapper/NotificationChannelMapper.java

@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationChannel;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知渠道Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知渠道表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationChannelMapper extends BaseMapper<NotificationChannel> {
+}

src/main/java/cn/rosercode/finance/mapper/NotificationConfigMapper.java

@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationConfig;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知配置Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知配置表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationConfigMapper extends BaseMapper<NotificationConfig> {
+}

src/main/java/cn/rosercode/finance/mapper/NotificationLogMapper.java

@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationLog;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知日志Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知日志表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationLogMapper extends BaseMapper<NotificationLog> {
+}

src/main/java/cn/rosercode/finance/notification/AbstractHttpNotificationSender.java

@@ -0,0 +1,160 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.ObjectMapper;
+
+import java.io.IOException;
+import java.net.URI;
+import java.net.URLEncoder;
+import java.net.http.HttpClient;
+import java.net.http.HttpRequest;
+import java.net.http.HttpResponse;
+import java.nio.charset.StandardCharsets;
+import java.time.Duration;
+import java.util.Map;
+
+/**
+ * HTTP 通知发送器抽象基类。
+ *
+ * <p>封装基于 Webhook 的渠道共用的 JSON / 表单 POST 调用与常用取值方法。</p>
+ *
+ * @date 2026-09-18 12:37:34
+ */
+public abstract class AbstractHttpNotificationSender implements NotificationSender {
+
+    /** 连接超时时间 */
+    private static final Duration CONNECT_TIMEOUT = Duration.ofSeconds(10);
+
+    /** 请求超时时间 */
+    private static final Duration REQUEST_TIMEOUT = Duration.ofSeconds(20);
+
+    /** 错误信息中保留的响应体最大长度 */
+    private static final int ERROR_BODY_LIMIT = 300;
+
+    /** JSON 映射器，供子类解析响应使用 */
+    protected final ObjectMapper objectMapper;
+
+    private final HttpClient httpClient;
+
+    protected AbstractHttpNotificationSender(ObjectMapper objectMapper) {
+        this.objectMapper = objectMapper;
+        this.httpClient = HttpClient.newBuilder().connectTimeout(CONNECT_TIMEOUT).build();
+    }
+
+    /**
+     * 以 JSON 形式发送 POST 请求。
+     *
+     * @param url  请求地址
+     * @param body 请求体对象
+     * @return 响应体字符串
+     */
+    protected String postJson(String url, Object body) {
+        String json;
+        try {
+            json = objectMapper.writeValueAsString(body);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("构建通知请求失败：" + e.getMessage());
+        }
+
+        HttpRequest request = HttpRequest.newBuilder(URI.create(url))
+                .timeout(REQUEST_TIMEOUT)
+                .header("Content-Type", "application/json")
+                .POST(HttpRequest.BodyPublishers.ofString(json, StandardCharsets.UTF_8))
+                .build();
+        return execute(request);
+    }
+
+    /**
+     * 以表单形式发送 POST 请求（application/x-www-form-urlencoded）。
+     *
+     * @param url  请求地址
+     * @param form 表单参数
+     * @return 响应体字符串
+     */
+    protected String postForm(String url, Map<String, String> form) {
+        StringBuilder body = new StringBuilder();
+        for (Map.Entry<String, String> entry : form.entrySet()) {
+            if (body.length() > 0) {
+                body.append('&');
+            }
+            body.append(URLEncoder.encode(entry.getKey(), StandardCharsets.UTF_8))
+                    .append('=')
+                    .append(URLEncoder.encode(entry.getValue() == null ? "" : entry.getValue(),
+                            StandardCharsets.UTF_8));
+        }
+
+        HttpRequest request = HttpRequest.newBuilder(URI.create(url))
+                .timeout(REQUEST_TIMEOUT)
+                .header("Content-Type", "application/x-www-form-urlencoded; charset=UTF-8")
+                .POST(HttpRequest.BodyPublishers.ofString(body.toString(), StandardCharsets.UTF_8))
+                .build();
+        return execute(request);
+    }
+
+    /**
+     * 执行 HTTP 请求并校验响应状态码。
+     *
+     * @param request 请求对象
+     * @return 响应体字符串
+     */
+    private String execute(HttpRequest request) {
+        try {
+            HttpResponse<String> response = httpClient.send(request,
+                    HttpResponse.BodyHandlers.ofString(StandardCharsets.UTF_8));
+            if (response.statusCode() < 200 || response.statusCode() >= 300) {
+                throw new BusinessException("通知请求返回异常(" + response.statusCode() + ")：" + truncate(response.body()));
+            }
+            return response.body();
+        } catch (IOException e) {
+            throw new BusinessException("发送通知失败：" + describe(e));
+        } catch (InterruptedException e) {
+            Thread.currentThread().interrupt();
+            throw new BusinessException("发送通知被中断");
+        }
+    }
+
+    /**
+     * 提取异常描述，消息为空时回退到异常类名。
+     *
+     * @param e 异常
+     * @return 异常描述
+     */
+    private String describe(Exception e) {
+        return e.getMessage() == null || e.getMessage().isBlank()
+                ? e.getClass().getSimpleName() : e.getMessage();
+    }
+
+    /**
+     * 截断过长的响应体，避免错误信息过长。
+     *
+     * @param body 响应体
+     * @return 截断后的字符串
+     */
+    protected String truncate(String body) {
+        if (body == null) {
+            return "";
+        }
+        return body.length() <= ERROR_BODY_LIMIT ? body : body.substring(0, ERROR_BODY_LIMIT) + "...";
+    }
+
+    /**
+     * 将配置值转为字符串。
+     *
+     * @param value 配置值
+     * @return 字符串，null 时返回 null
+     */
+    protected String asString(Object value) {
+        return value == null ? null : String.valueOf(value);
+    }
+
+    /**
+     * 判断字符串是否为空白。
+     *
+     * @param value 待判断字符串
+     * @return 为 null 或全空白时返回 true
+     */
+    protected boolean isBlank(String value) {
+        return value == null || value.isBlank();
+    }
+}

src/main/java/cn/rosercode/finance/notification/EmailNotificationSender.java

@@ -0,0 +1,147 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import jakarta.mail.MessagingException;
+import jakarta.mail.internet.MimeMessage;
+import org.springframework.mail.MailException;
+import org.springframework.mail.javamail.JavaMailSenderImpl;
+import org.springframework.mail.javamail.MimeMessageHelper;
+import org.springframework.stereotype.Component;
+
+import java.util.Map;
+import java.util.Properties;
+
+/**
+ * 邮箱通知发送器，通过 SMTP 发送纯文本邮件（兼容 QQ 邮箱）。
+ *
+ * <p>SMTP 参数来自用户配置，因此每次发送动态构建 {@link JavaMailSenderImpl}，
+ * 不依赖全局邮件配置。QQ 邮箱默认使用 465 端口并开启 SSL。</p>
+ *
+ * @date 2026-09-18 12:37:41
+ */
+@Component
+public class EmailNotificationSender implements NotificationSender {
+
+    /** 默认 SMTP 主机（QQ 邮箱） */
+    private static final String DEFAULT_HOST = "smtp.qq.com";
+
+    /** 默认 SMTP 端口 */
+    private static final int DEFAULT_PORT = 465;
+
+    @Override
+    public NotificationChannelType type() {
+        return NotificationChannelType.EMAIL;
+    }
+
+    @Override
+    public void send(Map<String, Object> config, String title, String content) {
+        String host = stringOrDefault(config.get("smtpHost"), DEFAULT_HOST);
+        int port = intOrDefault(config.get("smtpPort"), DEFAULT_PORT);
+        String username = asString(config.get("username"));
+        String password = asString(config.get("password"));
+        String to = stringOrDefault(config.get("to"), username);
+        boolean ssl = booleanOrDefault(config.get("ssl"), true);
+
+        if (isBlank(username) || isBlank(password)) {
+            throw new BusinessException("请配置邮箱账号与授权码");
+        }
+        if (isBlank(to)) {
+            throw new BusinessException("请配置收件人邮箱");
+        }
+
+        JavaMailSenderImpl sender = new JavaMailSenderImpl();
+        sender.setHost(host);
+        sender.setPort(port);
+        sender.setUsername(username);
+        sender.setPassword(password);
+        sender.setDefaultEncoding("UTF-8");
+
+        Properties props = sender.getJavaMailProperties();
+        props.put("mail.transport.protocol", "smtp");
+        props.put("mail.smtp.auth", "true");
+        props.put("mail.smtp.ssl.enable", String.valueOf(ssl));
+        props.put("mail.smtp.connectiontimeout", "10000");
+        props.put("mail.smtp.timeout", "10000");
+        props.put("mail.smtp.writetimeout", "10000");
+
+        try {
+            MimeMessage message = sender.createMimeMessage();
+            MimeMessageHelper helper = new MimeMessageHelper(message, false, "UTF-8");
+            helper.setFrom(username);
+            helper.setTo(to);
+            helper.setSubject(title);
+            helper.setText(content, false);
+            sender.send(message);
+        } catch (MessagingException | MailException e) {
+            throw new BusinessException("邮件发送失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 将配置值转为字符串。
+     *
+     * @param value 配置值
+     * @return 字符串，null 时返回 null
+     */
+    private String asString(Object value) {
+        return value == null ? null : String.valueOf(value);
+    }
+
+    /**
+     * 取字符串配置，为空时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果字符串
+     */
+    private String stringOrDefault(Object value, String defaultValue) {
+        String text = asString(value);
+        return isBlank(text) ? defaultValue : text.trim();
+    }
+
+    /**
+     * 取整数配置，为空或非法时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果整数
+     */
+    private int intOrDefault(Object value, int defaultValue) {
+        if (value == null) {
+            return defaultValue;
+        }
+        try {
+            return Integer.parseInt(String.valueOf(value).trim());
+        } catch (NumberFormatException e) {
+            return defaultValue;
+        }
+    }
+
+    /**
+     * 取布尔配置，为空时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果布尔值
+     */
+    private boolean booleanOrDefault(Object value, boolean defaultValue) {
+        if (value == null) {
+            return defaultValue;
+        }
+        if (value instanceof Boolean bool) {
+            return bool;
+        }
+        return Boolean.parseBoolean(String.valueOf(value));
+    }
+
+    /**
+     * 判断字符串是否为空白。
+     *
+     * @param value 待判断字符串
+     * @return 为 null 或全空白时返回 true
+     */
+    private boolean isBlank(String value) {
+        return value == null || value.isBlank();
+    }
+}

src/main/java/cn/rosercode/finance/notification/NotificationSender.java

@@ -0,0 +1,32 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.enums.NotificationChannelType;
+
+import java.util.Map;
+
+/**
+ * 通知发送器接口，定义不同渠道的消息推送能力。
+ *
+ * <p>各实现类负责将标题与正文转换为对应渠道的消息格式并发送。渠道的配置
+ * （如 webhook 地址、SMTP 账号）由调用方解析为 Map 后传入。</p>
+ *
+ * @date 2026-09-18 12:37:22
+ */
+public interface NotificationSender {
+
+    /**
+     * 返回该发送器支持的渠道类型。
+     *
+     * @return 渠道类型
+     */
+    NotificationChannelType type();
+
+    /**
+     * 发送一条通知消息。
+     *
+     * @param config  渠道配置
+     * @param title   消息标题
+     * @param content 消息正文
+     */
+    void send(Map<String, Object> config, String title, String content);
+}

src/main/java/cn/rosercode/finance/notification/NotificationSenderFactory.java

@@ -0,0 +1,52 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import org.springframework.stereotype.Component;
+
+import java.util.EnumMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知发送器工厂，按渠道类型分发到对应的发送器实现。
+ *
+ * @date 2026-09-18 12:37:23
+ */
+@Component
+public class NotificationSenderFactory {
+
+    private final Map<NotificationChannelType, NotificationSender> senders = new EnumMap<>(NotificationChannelType.class);
+
+    /**
+     * 构造方法，收集容器中所有发送器实现。
+     *
+     * @param senderList 发送器列表
+     */
+    public NotificationSenderFactory(List<NotificationSender> senderList) {
+        for (NotificationSender sender : senderList) {
+            senders.put(sender.type(), sender);
+        }
+    }
+
+    /**
+     * 根据渠道类型获取发送器。
+     *
+     * @param type 渠道类型
+     * @return 对应的发送器
+     * @throws BusinessException 类型不支持时抛出
+     */
+    public NotificationSender get(String type) {
+        NotificationChannelType channelType;
+        try {
+            channelType = NotificationChannelType.valueOf(type);
+        } catch (IllegalArgumentException | NullPointerException e) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+        NotificationSender sender = senders.get(channelType);
+        if (sender == null) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+        return sender;
+    }
+}

src/main/java/cn/rosercode/finance/notification/ServerChanNotificationSender.java

@@ -0,0 +1,73 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.JsonNode;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import org.springframework.stereotype.Component;
+
+import java.util.LinkedHashMap;
+import java.util.Map;
+
+/**
+ * Server 酱通知发送器，通过 Server 酱 Turbo 接口将消息推送到个人微信。
+ *
+ * <p>用户只需在 sct.ftqq.com 获取 SendKey，消息以表单形式提交到
+ * {@code https://sctapi.ftqq.com/{sendKey}.send}，由 Server 酱转发到微信。</p>
+ *
+ * @date 2026-09-18 12:58:53
+ */
+@Component
+public class ServerChanNotificationSender extends AbstractHttpNotificationSender {
+
+    /** Server 酱 Turbo 接口地址 */
+    private static final String DEFAULT_BASE_URL = "https://sctapi.ftqq.com";
+
+    public ServerChanNotificationSender(ObjectMapper objectMapper) {
+        super(objectMapper);
+    }
+
+    @Override
+    public NotificationChannelType type() {
+        return NotificationChannelType.SERVERCHAN;
+    }
+
+    @Override
+    public void send(Map<String, Object> config, String title, String content) {
+        String sendKey = asString(config.get("sendKey"));
+        if (isBlank(sendKey)) {
+            throw new BusinessException("请配置 Server 酱 SendKey");
+        }
+        String baseUrl = asString(config.get("baseUrl"));
+        if (isBlank(baseUrl)) {
+            baseUrl = DEFAULT_BASE_URL;
+        }
+        // 兼容以斜杠结尾的自定义地址
+        String url = (baseUrl.endsWith("/") ? baseUrl.substring(0, baseUrl.length() - 1) : baseUrl)
+                + "/" + sendKey.trim() + ".send";
+
+        Map<String, String> form = new LinkedHashMap<>();
+        form.put("title", title);
+        form.put("desp", content);
+
+        checkResponse(postForm(url, form));
+    }
+
+    /**
+     * 校验 Server 酱响应，code 非 0 视为失败。
+     *
+     * @param response 响应体
+     */
+    private void checkResponse(String response) {
+        try {
+            JsonNode root = objectMapper.readTree(response);
+            int code = root.path("code").asInt(0);
+            if (code != 0) {
+                throw new BusinessException("Server 酱返回失败：" + root.path("message").asText(""));
+            }
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析 Server 酱响应失败：" + e.getMessage());
+        }
+    }
+}

src/main/java/cn/rosercode/finance/scheduler/NotificationScheduler.java

@@ -0,0 +1,169 @@
+package cn.rosercode.finance.scheduler;
+
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.enums.NotificationFrequency;
+import cn.rosercode.finance.mapper.NotificationConfigMapper;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationService;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.stereotype.Component;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.LocalTime;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+import java.util.List;
+
+/**
+ * 通知调度器。
+ *
+ * <p>每分钟检查一次已启用的通知配置，当到达用户设定的提醒周期且本周期尚未发送时，
+ * 向该用户所有已启用的渠道推送账单导入提醒，并更新最近发送时间。</p>
+ *
+ * @date 2026-09-18 12:38:30
+ */
+@Component
+public class NotificationScheduler {
+
+    private static final Logger log = LoggerFactory.getLogger(NotificationScheduler.class);
+
+    /** 时间格式 */
+    private static final DateTimeFormatter TIME_FORMATTER = DateTimeFormatter.ofPattern("HH:mm");
+
+    /** 默认提醒时间 */
+    private static final LocalTime DEFAULT_TIME = LocalTime.of(9, 0);
+
+    private final NotificationConfigMapper notificationConfigMapper;
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationService notificationService;
+
+    public NotificationScheduler(NotificationConfigMapper notificationConfigMapper,
+                                 NotificationChannelService notificationChannelService,
+                                 NotificationService notificationService) {
+        this.notificationConfigMapper = notificationConfigMapper;
+        this.notificationChannelService = notificationChannelService;
+        this.notificationService = notificationService;
+    }
+
+    /**
+     * 定时检查并发送提醒。
+     *
+     * <p>固定延迟 60 秒，启动后延迟 30 秒执行首次检查。整体异常仅记录调试日志，
+     * 避免数据库尚未配置时刷屏。</p>
+     */
+    @Scheduled(fixedDelay = 60_000L, initialDelay = 30_000L)
+    public void checkAndSend() {
+        List<NotificationConfig> configs;
+        try {
+            configs = notificationConfigMapper.selectList(new LambdaQueryWrapper<NotificationConfig>()
+                    .eq(NotificationConfig::getEnabled, true));
+        } catch (Exception e) {
+            log.debug("跳过通知调度，读取配置失败：{}", e.getMessage());
+            return;
+        }
+
+        LocalDateTime now = LocalDateTime.now();
+        for (NotificationConfig config : configs) {
+            try {
+                dispatchIfDue(config, now);
+            } catch (Exception e) {
+                log.warn("处理用户 {} 的账单提醒失败：{}", config.getUserId(), e.getMessage());
+            }
+        }
+    }
+
+    /**
+     * 判断并执行单个用户的通知发送。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     */
+    private void dispatchIfDue(NotificationConfig config, LocalDateTime now) {
+        if (!isDue(config, now)) {
+            return;
+        }
+        List<NotificationChannel> channels = notificationChannelService.listEnabledChannels(config.getUserId());
+        if (channels.isEmpty()) {
+            // 无可用渠道时不更新最近发送时间，待用户配置后仍可在本周期触发
+            return;
+        }
+        notificationService.sendToChannels(config.getUserId(), channels,
+                NotificationService.REMINDER_TITLE, notificationService.buildReminderContent());
+        config.setLastSentAt(now);
+        notificationConfigMapper.updateById(config);
+        log.info("已向用户 {} 的 {} 个渠道发送账单导入提醒", config.getUserId(), channels.size());
+    }
+
+    /**
+     * 判断当前时间是否已到达本周期提醒时间且尚未发送。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     * @return 需要发送时返回 true
+     */
+    boolean isDue(NotificationConfig config, LocalDateTime now) {
+        LocalDateTime due = computeLatestDueTime(config, now);
+        LocalDateTime lastSent = config.getLastSentAt();
+        return lastSent == null || lastSent.isBefore(due);
+    }
+
+    /**
+     * 计算当前时间之前最近的一个触发时间点。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     * @return 最近的触发时间点
+     */
+    LocalDateTime computeLatestDueTime(NotificationConfig config, LocalDateTime now) {
+        LocalTime time = parseTime(config.getSendTime());
+        String frequency = config.getFrequency() == null
+                ? NotificationFrequency.MONTHLY.name() : config.getFrequency();
+
+        switch (frequency) {
+            case "DAILY": {
+                LocalDateTime today = now.toLocalDate().atTime(time);
+                return now.isBefore(today) ? today.minusDays(1) : today;
+            }
+            case "WEEKLY": {
+                int target = config.getDayOfWeek() == null ? 1 : config.getDayOfWeek();
+                LocalDate date = now.toLocalDate();
+                int diff = (date.getDayOfWeek().getValue() - target + 7) % 7;
+                LocalDateTime candidate = date.minusDays(diff).atTime(time);
+                return candidate.isAfter(now) ? candidate.minusWeeks(1) : candidate;
+            }
+            case "MONTHLY":
+            default: {
+                int target = config.getDayOfMonth() == null ? 1 : config.getDayOfMonth();
+                LocalDate date = now.toLocalDate();
+                LocalDateTime candidate = date.withDayOfMonth(Math.min(target, date.lengthOfMonth())).atTime(time);
+                if (candidate.isAfter(now)) {
+                    LocalDate previous = date.minusMonths(1);
+                    candidate = previous.withDayOfMonth(Math.min(target, previous.lengthOfMonth())).atTime(time);
+                }
+                return candidate;
+            }
+        }
+    }
+
+    /**
+     * 解析提醒时间，非法时回退默认值。
+     *
+     * @param sendTime 时间字符串
+     * @return 提醒时间
+     */
+    private LocalTime parseTime(String sendTime) {
+        if (sendTime == null || sendTime.isBlank()) {
+            return DEFAULT_TIME;
+        }
+        try {
+            return LocalTime.parse(sendTime, TIME_FORMATTER);
+        } catch (DateTimeParseException e) {
+            return DEFAULT_TIME;
+        }
+    }
+}

src/main/java/cn/rosercode/finance/service/NotificationChannelService.java

@@ -0,0 +1,66 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+
+import java.util.List;
+
+/**
+ * 通知渠道服务接口，负责用户消息推送渠道的增删改查。
+ *
+ * @date 2026-09-18 12:37:49
+ */
+public interface NotificationChannelService {
+
+    /**
+     * 查询当前用户的所有通知渠道。
+     *
+     * @param userId 用户ID
+     * @return 渠道视图对象列表
+     */
+    List<NotificationChannelVO> listChannels(Long userId);
+
+    /**
+     * 新增通知渠道。
+     *
+     * @param userId  用户ID
+     * @param request 渠道保存请求
+     * @return 新渠道ID
+     */
+    Long createChannel(Long userId, NotificationChannelRequest request);
+
+    /**
+     * 修改通知渠道。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     * @param request   渠道保存请求
+     */
+    void updateChannel(Long userId, Long channelId, NotificationChannelRequest request);
+
+    /**
+     * 删除通知渠道。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     */
+    void deleteChannel(Long userId, Long channelId);
+
+    /**
+     * 获取指定渠道原始实体，并校验归属。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     * @return 渠道实体
+     */
+    NotificationChannel getRawChannel(Long userId, Long channelId);
+
+    /**
+     * 查询当前用户所有已启用的通知渠道，供调度发送使用。
+     *
+     * @param userId 用户ID
+     * @return 已启用的渠道实体列表
+     */
+    List<NotificationChannel> listEnabledChannels(Long userId);
+}

src/main/java/cn/rosercode/finance/service/NotificationConfigService.java

@@ -0,0 +1,37 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+
+/**
+ * 通知配置服务接口，负责账单导入提醒周期的读写。
+ *
+ * @date 2026-09-18 12:37:48
+ */
+public interface NotificationConfigService {
+
+    /**
+     * 获取当前用户的通知配置，未配置时返回默认值。
+     *
+     * @param userId 用户ID
+     * @return 通知配置视图对象
+     */
+    NotificationConfigVO getConfig(Long userId);
+
+    /**
+     * 保存当前用户的通知配置。
+     *
+     * @param userId  用户ID
+     * @param request 配置保存请求
+     */
+    void saveConfig(Long userId, NotificationConfigRequest request);
+
+    /**
+     * 获取通知配置原始实体，供调度器使用。
+     *
+     * @param userId 用户ID
+     * @return 通知配置实体，未配置时返回 null
+     */
+    NotificationConfig getRawConfig(Long userId);
+}

src/main/java/cn/rosercode/finance/service/NotificationService.java

@@ -0,0 +1,62 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.vo.NotificationLogVO;
+
+import java.util.List;
+
+/**
+ * 通知发送服务接口，负责消息的实际推送与发送日志记录。
+ *
+ * @date 2026-09-18 12:37:50
+ */
+public interface NotificationService {
+
+    /** 账单导入提醒的消息标题 */
+    String REMINDER_TITLE = "账单导入提醒";
+
+    /** 账单导入提醒的消息正文 */
+    String REMINDER_CONTENT = "到了整理账单的时间，请及时导出并导入最新的账单，保持账目完整。";
+
+    /**
+     * 构建账单导入提醒正文，配置了站点地址时附加账单上传页链接。
+     *
+     * @return 提醒正文
+     */
+    String buildReminderContent();
+
+    /**
+     * 向指定渠道发送一条测试消息。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     */
+    void sendTest(Long userId, Long channelId);
+
+    /**
+     * 立即向当前用户所有已启用渠道发送账单导入提醒。
+     *
+     * @param userId 用户ID
+     * @return 发送成功的渠道数
+     */
+    int sendReminderNow(Long userId);
+
+    /**
+     * 向给定渠道列表发送提醒消息并记录日志。
+     *
+     * @param userId   用户ID
+     * @param channels 渠道列表
+     * @param title    消息标题
+     * @param content  消息正文
+     */
+    void sendToChannels(Long userId, List<NotificationChannel> channels, String title, String content);
+
+    /**
+     * 查询当前用户最近的发送日志。
+     *
+     * @param userId 用户ID
+     * @param limit  条数上限
+     * @return 日志视图对象列表
+     */
+    List<NotificationLogVO> listLogs(Long userId, int limit);
+}

src/main/java/cn/rosercode/finance/service/impl/NotificationChannelServiceImpl.java

@@ -0,0 +1,233 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import cn.rosercode.finance.mapper.NotificationChannelMapper;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知渠道服务实现类，处理用户消息推送渠道的增删改查与配置脱敏。
+ *
+ * @date 2026-09-18 12:38:09
+ */
+@Service
+public class NotificationChannelServiceImpl implements NotificationChannelService {
+
+    private final NotificationChannelMapper notificationChannelMapper;
+    private final ObjectMapper objectMapper;
+
+    public NotificationChannelServiceImpl(NotificationChannelMapper notificationChannelMapper,
+                                          ObjectMapper objectMapper) {
+        this.notificationChannelMapper = notificationChannelMapper;
+        this.objectMapper = objectMapper;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationChannelVO> listChannels(Long userId) {
+        List<NotificationChannel> channels = notificationChannelMapper.selectList(
+                new LambdaQueryWrapper<NotificationChannel>()
+                        .eq(NotificationChannel::getUserId, userId)
+                        .orderByAsc(NotificationChannel::getId));
+        return channels.stream().map(this::toVO).toList();
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public Long createChannel(Long userId, NotificationChannelRequest request) {
+        String type = validateType(request.getType());
+        NotificationChannel channel = new NotificationChannel();
+        channel.setUserId(userId);
+        channel.setType(type);
+        channel.setName(resolveName(request.getName(), type));
+        channel.setEnabled(request.getEnabled() == null || request.getEnabled());
+        channel.setConfig(mergeConfig(request.getConfig(), null));
+        notificationChannelMapper.insert(channel);
+        return channel.getId();
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * EMAIL 渠道的密码留空时保留原值；渠道类型变更时不再沿用旧配置。
+     */
+    @Override
+    @Transactional
+    public void updateChannel(Long userId, Long channelId, NotificationChannelRequest request) {
+        NotificationChannel channel = getRawChannel(userId, channelId);
+        String type = validateType(request.getType());
+        String oldConfig = type.equals(channel.getType()) ? channel.getConfig() : null;
+        channel.setType(type);
+        channel.setName(resolveName(request.getName(), type));
+        if (request.getEnabled() != null) {
+            channel.setEnabled(request.getEnabled());
+        }
+        channel.setConfig(mergeConfig(request.getConfig(), oldConfig));
+        notificationChannelMapper.updateById(channel);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void deleteChannel(Long userId, Long channelId) {
+        getRawChannel(userId, channelId);
+        notificationChannelMapper.deleteById(channelId);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public NotificationChannel getRawChannel(Long userId, Long channelId) {
+        NotificationChannel channel = notificationChannelMapper.selectById(channelId);
+        if (channel == null || !channel.getUserId().equals(userId)) {
+            throw new BusinessException("通知渠道不存在");
+        }
+        return channel;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationChannel> listEnabledChannels(Long userId) {
+        return notificationChannelMapper.selectList(new LambdaQueryWrapper<NotificationChannel>()
+                .eq(NotificationChannel::getUserId, userId)
+                .eq(NotificationChannel::getEnabled, true)
+                .orderByAsc(NotificationChannel::getId));
+    }
+
+    /**
+     * 转换为视图对象，移除邮箱密码并标记是否已配置。
+     *
+     * @param channel 渠道实体
+     * @return 渠道视图对象
+     */
+    private NotificationChannelVO toVO(NotificationChannel channel) {
+        NotificationChannelVO vo = new NotificationChannelVO();
+        vo.setId(channel.getId());
+        vo.setType(channel.getType());
+        vo.setName(channel.getName());
+        vo.setEnabled(Boolean.TRUE.equals(channel.getEnabled()));
+        vo.setCreatedAt(channel.getCreatedAt());
+        vo.setUpdatedAt(channel.getUpdatedAt());
+
+        Map<String, Object> config = parseConfig(channel.getConfig());
+        Object password = config.remove("password");
+        vo.setHasPassword(password != null && !String.valueOf(password).isBlank());
+        vo.setConfig(config);
+        return vo;
+    }
+
+    /**
+     * 校验渠道类型。
+     *
+     * @param type 渠道类型
+     * @return 规范化后的类型名称
+     */
+    private String validateType(String type) {
+        if (type == null || type.isBlank()) {
+            throw new BusinessException("请选择通知渠道类型");
+        }
+        try {
+            return NotificationChannelType.valueOf(type.trim().toUpperCase()).name();
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+    }
+
+    /**
+     * 解析渠道名称，为空时按类型给出默认名称。
+     *
+     * @param name 用户填写名称
+     * @param type 渠道类型
+     * @return 渠道名称
+     */
+    private String resolveName(String name, String type) {
+        if (name != null && !name.isBlank()) {
+            return name.trim();
+        }
+        return switch (NotificationChannelType.valueOf(type)) {
+            case EMAIL -> "邮箱";
+            case SERVERCHAN -> "Server 酱";
+        };
+    }
+
+    /**
+     * 合并新旧渠道配置：新值覆盖旧值，邮箱密码为空时不覆盖。
+     *
+     * @param newConfig 新配置
+     * @param oldJson   旧配置 JSON
+     * @return 合并后的配置 JSON
+     */
+    private String mergeConfig(Map<String, Object> newConfig, String oldJson) {
+        Map<String, Object> merged = new LinkedHashMap<>();
+        if (oldJson != null && !oldJson.isBlank()) {
+            merged.putAll(parseConfig(oldJson));
+        }
+        if (newConfig != null) {
+            for (Map.Entry<String, Object> entry : newConfig.entrySet()) {
+                String key = entry.getKey();
+                Object value = entry.getValue();
+                // 密码留空表示保留原值
+                if ("password".equals(key) && (value == null || String.valueOf(value).isBlank())) {
+                    continue;
+                }
+                merged.put(key, value);
+            }
+        }
+        return writeConfig(merged);
+    }
+
+    /**
+     * 解析配置 JSON。
+     *
+     * @param json 配置 JSON
+     * @return 配置映射，解析失败或为空时返回空映射
+     */
+    private Map<String, Object> parseConfig(String json) {
+        if (json == null || json.isBlank()) {
+            return new LinkedHashMap<>();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<LinkedHashMap<String, Object>>() {
+            });
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析渠道配置失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 序列化配置映射为 JSON。
+     *
+     * @param config 配置映射
+     * @return 配置 JSON
+     */
+    private String writeConfig(Map<String, Object> config) {
+        try {
+            return objectMapper.writeValueAsString(config);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("保存渠道配置失败：" + e.getMessage());
+        }
+    }
+}

src/main/java/cn/rosercode/finance/service/impl/NotificationConfigServiceImpl.java

@@ -0,0 +1,166 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.enums.NotificationFrequency;
+import cn.rosercode.finance.mapper.NotificationConfigMapper;
+import cn.rosercode.finance.service.NotificationConfigService;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.time.LocalDateTime;
+import java.time.LocalTime;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+
+/**
+ * 通知配置服务实现类，处理用户级账单导入提醒周期的读写。
+ *
+ * @date 2026-09-18 12:38:01
+ */
+@Service
+public class NotificationConfigServiceImpl implements NotificationConfigService {
+
+    /** 默认提醒周期：每月 */
+    private static final String DEFAULT_FREQUENCY = NotificationFrequency.MONTHLY.name();
+
+    /** 默认每月提醒日 */
+    private static final int DEFAULT_DAY_OF_MONTH = 1;
+
+    /** 默认每周提醒日（周一） */
+    private static final int DEFAULT_DAY_OF_WEEK = 1;
+
+    /** 默认提醒时间 */
+    private static final String DEFAULT_SEND_TIME = "09:00";
+
+    /** 时间格式 */
+    private static final DateTimeFormatter TIME_FORMATTER = DateTimeFormatter.ofPattern("HH:mm");
+
+    private final NotificationConfigMapper notificationConfigMapper;
+
+    public NotificationConfigServiceImpl(NotificationConfigMapper notificationConfigMapper) {
+        this.notificationConfigMapper = notificationConfigMapper;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 未配置时返回默认值：每月 1 日 09:00 提醒，关闭状态。
+     */
+    @Override
+    public NotificationConfigVO getConfig(Long userId) {
+        NotificationConfig config = getRawConfig(userId);
+        NotificationConfigVO vo = new NotificationConfigVO();
+        if (config == null) {
+            vo.setEnabled(false);
+            vo.setFrequency(DEFAULT_FREQUENCY);
+            vo.setDayOfMonth(DEFAULT_DAY_OF_MONTH);
+            vo.setDayOfWeek(DEFAULT_DAY_OF_WEEK);
+            vo.setSendTime(DEFAULT_SEND_TIME);
+            return vo;
+        }
+        vo.setEnabled(Boolean.TRUE.equals(config.getEnabled()));
+        vo.setFrequency(config.getFrequency());
+        vo.setDayOfMonth(config.getDayOfMonth());
+        vo.setDayOfWeek(config.getDayOfWeek());
+        vo.setSendTime(config.getSendTime());
+        vo.setLastSentAt(config.getLastSentAt());
+        return vo;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 校验周期、日期与时间；从关闭切到启用时重置最近发送时间，避免保存后立即补发。
+     */
+    @Override
+    @Transactional
+    public void saveConfig(Long userId, NotificationConfigRequest request) {
+        NotificationConfig config = getRawConfig(userId);
+        boolean wasEnabled = config != null && Boolean.TRUE.equals(config.getEnabled());
+        if (config == null) {
+            config = new NotificationConfig();
+            config.setUserId(userId);
+        }
+
+        boolean enabled = Boolean.TRUE.equals(request.getEnabled());
+        config.setEnabled(enabled);
+        config.setFrequency(parseFrequency(request.getFrequency()));
+        config.setDayOfMonth(clamp(request.getDayOfMonth(), DEFAULT_DAY_OF_MONTH, 1, 28));
+        config.setDayOfWeek(clamp(request.getDayOfWeek(), DEFAULT_DAY_OF_WEEK, 1, 7));
+        config.setSendTime(parseTime(request.getSendTime()));
+
+        // 首次启用或重新开启时，将最近发送时间设为当前，避免立即触发历史周期
+        if (enabled && (!wasEnabled || config.getLastSentAt() == null)) {
+            config.setLastSentAt(LocalDateTime.now());
+        }
+
+        if (config.getId() == null) {
+            notificationConfigMapper.insert(config);
+        } else {
+            notificationConfigMapper.updateById(config);
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public NotificationConfig getRawConfig(Long userId) {
+        return notificationConfigMapper.selectOne(new LambdaQueryWrapper<NotificationConfig>()
+                .eq(NotificationConfig::getUserId, userId));
+    }
+
+    /**
+     * 解析并校验提醒周期。
+     *
+     * @param value 周期字符串
+     * @return 合法的周期名称
+     */
+    private String parseFrequency(String value) {
+        if (value == null || value.isBlank()) {
+            return DEFAULT_FREQUENCY;
+        }
+        try {
+            return NotificationFrequency.valueOf(value.trim().toUpperCase()).name();
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的提醒周期：" + value);
+        }
+    }
+
+    /**
+     * 解析并校验提醒时间。
+     *
+     * @param value 时间字符串（HH:mm）
+     * @return 规范化后的时间字符串
+     */
+    private String parseTime(String value) {
+        if (value == null || value.isBlank()) {
+            return DEFAULT_SEND_TIME;
+        }
+        try {
+            return LocalTime.parse(value.trim(), TIME_FORMATTER).format(TIME_FORMATTER);
+        } catch (DateTimeParseException e) {
+            throw new BusinessException("提醒时间格式不正确，应为 HH:mm");
+        }
+    }
+
+    /**
+     * 将数值限制在指定范围内，为空时返回默认值。
+     *
+     * @param value        原值
+     * @param defaultValue 默认值
+     * @param min          最小值
+     * @param max          最大值
+     * @return 限制后的值
+     */
+    private int clamp(Integer value, int defaultValue, int min, int max) {
+        if (value == null) {
+            return defaultValue;
+        }
+        return Math.max(min, Math.min(max, value));
+    }
+}

src/main/java/cn/rosercode/finance/service/impl/NotificationServiceImpl.java

@@ -0,0 +1,234 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.config.app.AppConfigStore;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.entity.NotificationLog;
+import cn.rosercode.finance.mapper.NotificationLogMapper;
+import cn.rosercode.finance.notification.NotificationSenderFactory;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationService;
+import cn.rosercode.finance.vo.NotificationLogVO;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import org.springframework.stereotype.Service;
+
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知发送服务实现类，负责消息推送编排与发送日志记录。
+ *
+ * @date 2026-09-18 12:38:20
+ */
+@Service
+public class NotificationServiceImpl implements NotificationService {
+
+    /** 日志正文最大长度 */
+    private static final int MESSAGE_LIMIT = 500;
+
+    /** 查询日志的最大条数 */
+    private static final int MAX_LOG_LIMIT = 100;
+
+    /** 测试消息标题 */
+    private static final String TEST_TITLE = "通知渠道测试";
+
+    /** 测试消息正文 */
+    private static final String TEST_CONTENT = "这是一条来自收支管理系统的测试消息，收到即表示该渠道配置成功。";
+
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationLogMapper notificationLogMapper;
+    private final NotificationSenderFactory notificationSenderFactory;
+    private final ObjectMapper objectMapper;
+    private final AppConfigStore appConfigStore;
+
+    public NotificationServiceImpl(NotificationChannelService notificationChannelService,
+                                   NotificationLogMapper notificationLogMapper,
+                                   NotificationSenderFactory notificationSenderFactory,
+                                   ObjectMapper objectMapper,
+                                   AppConfigStore appConfigStore) {
+        this.notificationChannelService = notificationChannelService;
+        this.notificationLogMapper = notificationLogMapper;
+        this.notificationSenderFactory = notificationSenderFactory;
+        this.objectMapper = objectMapper;
+        this.appConfigStore = appConfigStore;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 发送失败时记录日志并抛出异常，便于前端直接提示原因。
+     */
+    @Override
+    public void sendTest(Long userId, Long channelId) {
+        NotificationChannel channel = notificationChannelService.getRawChannel(userId, channelId);
+        try {
+            send(channel, TEST_TITLE, TEST_CONTENT);
+            recordLog(userId, channel, true, "发送成功");
+        } catch (RuntimeException e) {
+            recordLog(userId, channel, false, e.getMessage());
+            throw e;
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public int sendReminderNow(Long userId) {
+        List<NotificationChannel> channels = notificationChannelService.listEnabledChannels(userId);
+        if (channels.isEmpty()) {
+            throw new BusinessException("请先添加并启用至少一个通知渠道");
+        }
+        String content = buildReminderContent();
+        int success = 0;
+        for (NotificationChannel channel : channels) {
+            if (trySend(userId, channel, REMINDER_TITLE, content)) {
+                success++;
+            }
+        }
+        return success;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 配置了通知链接地址时，在提醒正文后附加该完整链接，便于用户点击后直接上传账单；
+     * 未配置时退化为原始文案。
+     */
+    @Override
+    public String buildReminderContent() {
+        String linkUrl = appConfigStore.load().getNotificationUrl();
+        if (linkUrl == null || linkUrl.isBlank()) {
+            return REMINDER_CONTENT;
+        }
+        return REMINDER_CONTENT + "\n\n" + linkUrl.trim();
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 单个渠道失败不影响其余渠道，失败原因写入日志。
+     */
+    @Override
+    public void sendToChannels(Long userId, List<NotificationChannel> channels, String title, String content) {
+        for (NotificationChannel channel : channels) {
+            trySend(userId, channel, title, content);
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationLogVO> listLogs(Long userId, int limit) {
+        int safeLimit = Math.max(1, Math.min(MAX_LOG_LIMIT, limit));
+        List<NotificationLog> logs = notificationLogMapper.selectList(new LambdaQueryWrapper<NotificationLog>()
+                .eq(NotificationLog::getUserId, userId)
+                .orderByDesc(NotificationLog::getCreatedAt)
+                .orderByDesc(NotificationLog::getId)
+                .last("LIMIT " + safeLimit));
+        return logs.stream().map(this::toVO).toList();
+    }
+
+    /**
+     * 向单个渠道发送消息并记录日志，失败时返回 false。
+     *
+     * @param userId  用户ID
+     * @param channel 渠道
+     * @param title   标题
+     * @param content 正文
+     * @return 是否发送成功
+     */
+    private boolean trySend(Long userId, NotificationChannel channel, String title, String content) {
+        try {
+            send(channel, title, content);
+            recordLog(userId, channel, true, "发送成功");
+            return true;
+        } catch (RuntimeException e) {
+            recordLog(userId, channel, false, e.getMessage());
+            return false;
+        }
+    }
+
+    /**
+     * 解析渠道配置并调用对应的发送器。
+     *
+     * @param channel 渠道
+     * @param title   标题
+     * @param content 正文
+     */
+    private void send(NotificationChannel channel, String title, String content) {
+        Map<String, Object> config = parseConfig(channel.getConfig());
+        notificationSenderFactory.get(channel.getType()).send(config, title, content);
+    }
+
+    /**
+     * 写入一条发送日志。
+     *
+     * @param userId  用户ID
+     * @param channel 渠道
+     * @param success 是否成功
+     * @param message 结果描述
+     */
+    private void recordLog(Long userId, NotificationChannel channel, boolean success, String message) {
+        NotificationLog log = new NotificationLog();
+        log.setUserId(userId);
+        log.setChannelId(channel.getId());
+        log.setChannelType(channel.getType());
+        log.setSuccess(success);
+        log.setMessage(truncate(message));
+        notificationLogMapper.insert(log);
+    }
+
+    /**
+     * 解析渠道配置 JSON。
+     *
+     * @param json 配置 JSON
+     * @return 配置映射
+     */
+    private Map<String, Object> parseConfig(String json) {
+        if (json == null || json.isBlank()) {
+            return new LinkedHashMap<>();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<LinkedHashMap<String, Object>>() {
+            });
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析渠道配置失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 截断过长的日志正文。
+     *
+     * @param message 原文
+     * @return 截断后的字符串
+     */
+    private String truncate(String message) {
+        if (message == null) {
+            return "";
+        }
+        return message.length() <= MESSAGE_LIMIT ? message : message.substring(0, MESSAGE_LIMIT);
+    }
+
+    /**
+     * 转换为日志视图对象。
+     *
+     * @param log 日志实体
+     * @return 日志视图对象
+     */
+    private NotificationLogVO toVO(NotificationLog log) {
+        NotificationLogVO vo = new NotificationLogVO();
+        vo.setId(log.getId());
+        vo.setChannelId(log.getChannelId());
+        vo.setChannelType(log.getChannelType());
+        vo.setSuccess(Boolean.TRUE.equals(log.getSuccess()));
+        vo.setMessage(log.getMessage());
+        vo.setCreatedAt(log.getCreatedAt());
+        return vo;
+    }
+}

src/main/java/cn/rosercode/finance/vo/NotificationChannelVO.java

@@ -0,0 +1,39 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+import java.util.Map;
+
+/**
+ * 通知渠道视图对象，用于向前端返回渠道信息（敏感字段已脱敏）。
+ *
+ * @date 2026-09-18 12:37:13
+ */
+@Data
+public class NotificationChannelVO {
+
+    /** 渠道ID */
+    private Long id;
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 渠道配置（EMAIL 的 password 已移除） */
+    private Map<String, Object> config;
+
+    /** 是否已配置密码/授权码（EMAIL 渠道使用） */
+    private Boolean hasPassword;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}

src/main/java/cn/rosercode/finance/vo/NotificationConfigVO.java

@@ -0,0 +1,32 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知配置视图对象，用于向前端返回账单导入提醒的周期设置。
+ *
+ * @date 2026-09-18 12:37:12
+ */
+@Data
+public class NotificationConfigVO {
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28） */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一） */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+
+    /** 最近一次发送时间 */
+    private LocalDateTime lastSentAt;
+}

src/main/java/cn/rosercode/finance/vo/NotificationLogVO.java

@@ -0,0 +1,32 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知日志视图对象，用于向前端展示历史发送结果。
+ *
+ * @date 2026-09-18 12:37:14
+ */
+@Data
+public class NotificationLogVO {
+
+    /** 日志ID */
+    private Long id;
+
+    /** 渠道ID */
+    private Long channelId;
+
+    /** 渠道类型 */
+    private String channelType;
+
+    /** 是否成功 */
+    private Boolean success;
+
+    /** 结果描述或失败原因 */
+    private String message;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+}

src/main/resources/sql/init.sql

@@ -96,3 +96,43 @@ CREATE TABLE IF NOT EXISTS t_ai_usage (
     created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
 );
+
+-- 通知配置表：存储每个用户的账单导入提醒设置
+CREATE TABLE IF NOT EXISTS t_notification_config (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '配置ID，主键自增',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    enabled TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否启用定时提醒：1-启用，0-关闭',
+    frequency VARCHAR(10) NOT NULL DEFAULT 'MONTHLY' COMMENT '提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月',
+    day_of_month INT NOT NULL DEFAULT 1 COMMENT '每月提醒日（1-28），frequency=MONTHLY 时生效',
+    day_of_week INT NOT NULL DEFAULT 1 COMMENT '每周提醒日（1-7，1为周一），frequency=WEEKLY 时生效',
+    send_time VARCHAR(5) NOT NULL DEFAULT '09:00' COMMENT '提醒时间（HH:mm）',
+    last_sent_at DATETIME COMMENT '最近一次发送时间，用于避免重复提醒',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+    UNIQUE INDEX uk_notification_config_user_id (user_id) COMMENT '用户ID唯一索引，每个用户一条配置'
+);
+
+-- 通知渠道表：存储用户配置的邮箱、Server 酱等推送渠道
+CREATE TABLE IF NOT EXISTS t_notification_channel (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '渠道ID，主键自增',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    type VARCHAR(20) NOT NULL COMMENT '渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱',
+    name VARCHAR(50) COMMENT '渠道名称，便于用户识别',
+    enabled TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否启用：1-启用，0-关闭',
+    config TEXT COMMENT '渠道配置（JSON），如 webhook 地址、SMTP 账号等',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+    INDEX idx_notification_channel_user_id (user_id) COMMENT '用户ID索引'
+);
+
+-- 通知发送日志表：记录每次提醒的发送结果，便于排查问题
+CREATE TABLE IF NOT EXISTS t_notification_log (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '日志ID，主键自增',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    channel_id BIGINT COMMENT '渠道ID，测试或渠道已删除时可能为空',
+    channel_type VARCHAR(20) COMMENT '渠道类型',
+    success TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否成功：1-成功，0-失败',
+    message VARCHAR(500) COMMENT '结果描述或失败原因',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    INDEX idx_notification_log_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
+);

src/main/resources/sql/schema-sqlite.sql

@@ -123,3 +123,56 @@ WHEN NEW.updated_at = OLD.updated_at
 BEGIN
     UPDATE t_ai_config SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
 END;;
+
+CREATE TABLE IF NOT EXISTS t_notification_config (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    user_id INTEGER NOT NULL,
+    enabled INTEGER NOT NULL DEFAULT 0,
+    frequency VARCHAR(10) NOT NULL DEFAULT 'MONTHLY',
+    day_of_month INTEGER NOT NULL DEFAULT 1,
+    day_of_week INTEGER NOT NULL DEFAULT 1,
+    send_time VARCHAR(5) NOT NULL DEFAULT '09:00',
+    last_sent_at DATETIME,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+);;
+CREATE UNIQUE INDEX IF NOT EXISTS uk_notification_config_user_id ON t_notification_config (user_id);;
+
+CREATE TABLE IF NOT EXISTS t_notification_channel (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    user_id INTEGER NOT NULL,
+    type VARCHAR(20) NOT NULL,
+    name VARCHAR(50),
+    enabled INTEGER NOT NULL DEFAULT 1,
+    config TEXT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+);;
+CREATE INDEX IF NOT EXISTS idx_notification_channel_user_id ON t_notification_channel (user_id);;
+
+CREATE TABLE IF NOT EXISTS t_notification_log (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    user_id INTEGER NOT NULL,
+    channel_id INTEGER,
+    channel_type VARCHAR(20),
+    success INTEGER NOT NULL DEFAULT 1,
+    message VARCHAR(500),
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+);;
+CREATE INDEX IF NOT EXISTS idx_notification_log_user_created ON t_notification_log (user_id, created_at);;
+
+CREATE TRIGGER IF NOT EXISTS trg_notification_config_updated_at
+AFTER UPDATE ON t_notification_config
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_notification_config SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;
+
+CREATE TRIGGER IF NOT EXISTS trg_notification_channel_updated_at
+AFTER UPDATE ON t_notification_channel
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_notification_channel SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;