feat(api): 集成后端API，实现数据持久化和用户登录

- 新增token管理和用户信息状态，支持基于token的自动登录
- 实现登录或注册接口调用，自动根据URL参数完成身份验证
- 从后端加载交易记录、消息和待办提醒，替代本地缓存读写
- 对交易记录的增删改操作同步到数据库，确保数据一致性
- 对消息和提醒的增删改操作支持服务器同步，提升数据可靠性
- 优化消息发送逻辑，先保存用户消息，再处理AI回复并存库
- 添加待办提醒切换状态API调用，确保状态同步服务器
- 改进界面互动，支持文件与头像上传功能，更新管家形象
- 采用异步处理并增加错误捕获和用户提示，增强稳定性

components/EditTransactionModal.tsx

@@ -23,8 +23,8 @@ const EditTransactionModal: React.FC<EditTransactionModalProps> = ({ transaction
   };
 
   return (
-    <div className="fixed inset-0 z-[60] flex items-end md:items-center justify-center bg-black/50 backdrop-blur-sm p-4">
+    <div className="fixed inset-0 z-[60] flex items-end md:items-center justify-center bg-black/50 backdrop-blur-sm p-4 pb-28 md:pb-4">
-       <div className="bg-white w-full max-w-md rounded-2xl p-6 shadow-2xl animate-float md:animate-none">
+       <div className="bg-white w-full max-w-md rounded-2xl p-6 shadow-2xl md:animate-none max-h-[calc(100vh-120px)] overflow-y-auto no-scrollbar">
            <div className="flex justify-between items-center mb-4">
                <h3 className="text-lg font-bold text-gray-900">编辑账单</h3>
                <button onClick={onClose} className="text-gray-400 hover:text-gray-600">

components/LedgerPage.tsx

@@ -6,8 +6,8 @@ import BillReminders, { getDaysRemaining } from './BillReminders';
 
 interface LedgerPageProps {
   transactions: Transaction[];
-  onUpdateTransaction: (t: Transaction) => void;
+  onUpdateTransaction: (t: Transaction) => Promise<void>;
-  onDeleteTransaction: (id: string) => void;
+  onDeleteTransaction: (id: string) => Promise<void>;
   budgets: Record<string, number>;
   setBudgets: (val: Record<string, number>) => void;
   reminders: BillReminder[];
@@ -200,7 +200,24 @@ const LedgerPage: React.FC<LedgerPageProps> = ({
                 {subTab === 'calendar' && <CalendarView transactions={transactions} reminders={reminders} viewDate={selectedMonth} />}
                 {subTab === 'bills' && <BillReminders reminders={reminders.filter(r => r.frequency === 'monthly' || r.targetDate.startsWith(selectedMonth))} onAdd={onAddReminder} onUpdate={onUpdateReminder} onDelete={onDeleteReminder} onToggle={onToggleReminder} />}
           </div>
-          {editingTransaction && <EditTransactionModal transaction={editingTransaction} onSave={(updated) => { onUpdateTransaction(updated); setEditingTransaction(null); }} onDelete={(id) => { onDeleteTransaction(id); setEditingTransaction(null); }} onClose={() => setEditingTransaction(null)} />}
+          {editingTransaction && (
+            <EditTransactionModal 
+              transaction={editingTransaction} 
+              onSave={async (updated) => { 
+                try {
+                  await onUpdateTransaction(updated); 
+                  setEditingTransaction(null); 
+                } catch (e) {
+                  // Error handled in App.tsx
+                }
+              }} 
+              onDelete={async (id) => { 
+                await onDeleteTransaction(id); 
+                setEditingTransaction(null); 
+              }} 
+              onClose={() => setEditingTransaction(null)} 
+            />
+          )}
       </div>
   );
 };

components/VoiceInput.tsx

@@ -11,6 +11,8 @@ const VoiceInput: React.FC<VoiceInputProps> = ({ onTranscript, isProcessing, isF
   const recognitionRef = useRef<any>(null);
   const timerRef = useRef<number | null>(null);
 
+  const isStartingRef = useRef(false);
+
   useEffect(() => {
     if ('SpeechRecognition' in window || 'webkitSpeechRecognition' in window) {
       const SpeechRecognition = window.SpeechRecognition || window.webkitSpeechRecognition;
@@ -22,30 +24,37 @@ const VoiceInput: React.FC<VoiceInputProps> = ({ onTranscript, isProcessing, isF
       recognitionRef.current.onresult = (event: any) => {
         const transcript = event.results[0][0].transcript;
         if (transcript) onTranscript(transcript);
-        setIsListening(false);
       };
 
       recognitionRef.current.onerror = (event: any) => {
+        if (event.error === 'network') {
+          alert("语音识别网络连接失败。请检查网络或尝试切换浏览器（推荐 Chrome/Edge）。");
+        }
         console.error('Speech recognition error', event.error);
-        setIsListening(false);
       };
 
       recognitionRef.current.onend = () => {
         setIsListening(false);
+        isStartingRef.current = false;
       };
     }
   }, [onTranscript]);
 
-  const startListening = (e: React.MouseEvent | React.TouchEvent) => {
+  const startListening = (e: React.PointerEvent) => {
-    e.preventDefault();
+    if (e.cancelable) e.preventDefault();
-    if (isProcessing || isListening) return;
+    
+    if (isProcessing || isListening || isStartingRef.current) return;
 
     if (recognitionRef.current) {
       try {
+        isStartingRef.current = true;
         recognitionRef.current.start();
         setIsListening(true);
-      } catch (e) {
+      } catch (err) {
-        console.error("Failed to start recognition", e);
+        console.error("Failed to start recognition", err);
+        // 如果 start 失败，立即重置状态，否则会锁死
+        isStartingRef.current = false;
+        setIsListening(false);
       }
     } else {
       alert("您的浏览器不支持语音识别，请使用 Chrome 或 Edge。");
@@ -53,20 +62,23 @@ const VoiceInput: React.FC<VoiceInputProps> = ({ onTranscript, isProcessing, isF
   };
 
   const stopListening = () => {
+    // 仅在识别引擎正在运行时尝试停止
+    // 不要在这里重置 isListening 和 isStartingRef，等待 onend 回调
     if (isListening) {
-      recognitionRef.current?.stop();
+      try {
-      setIsListening(false);
+        recognitionRef.current?.stop();
+      } catch (err) {
+        console.error("Failed to stop recognition", err);
+      }
     }
   };
 
   return (
     <div className={`${isFullWidth ? 'w-full' : ''} relative select-none touch-none`}>
       <button
-        onMouseDown={startListening}
+        onPointerDown={startListening}
-        onMouseUp={stopListening}
+        onPointerUp={stopListening}
-        onMouseLeave={stopListening}
+        onPointerLeave={stopListening}
-        onTouchStart={startListening}
-        onTouchEnd={stopListening}
         disabled={isProcessing}
         className={`relative flex items-center justify-center transition-all duration-300 active:scale-95 shadow-lg ${
           isFullWidth 

docs/数据结构.md

@@ -1,4 +1,5 @@
 # App_02_记账
+
 - 应用信息
     - 应用名称
         - 记账
@@ -9,83 +10,158 @@
     - 应用描述
         - 一个精明、毒舌但实际上很负责任的财务经理。说话喜欢带刺，吐槽用户乱花钱，但关键时刻会给出靠谱建议。
 - 数据结构
-    - Project 项目分类
+    - 枚举数据
-        - name 名称(name)
+        - TransactionType 交易类型
-        - desc 背景(context)
+            - EXPENSE = "expense"
-        - target 目标(goal)
+            - INCOME = "income"
-        - value 价值(value)
+        - ExpenseCategory 支出分类
+            - FOOD = "餐饮"
+            - SHOPPING = "购物"
+            - TRANSPORT = "交通"
+            - HOUSING = "住房"
+            - ENTERTAINMENT = "娱乐"
+            - MEDICAL = "医疗"
+            - SOCIAL = "人情"
+            - EDUCATION = "学习"
+            - FINANCE = "金融"
+            - CHILD = "孩子"
+            - PET = "宠物"
+            - CAR = "汽车"
+            - BEAUTY = "美容"
+            - BUSINESS = "经营"
+            - MISC = "杂项"
+        - IncomeCategory 收入分类
+            - SALARY = "工资"
+            - BONUS = "奖金"
+            - INVESTMENT = "理财"
+            - PARTTIME = "兼职"
+            - GIFT = "红包"
+            - OTHER = "其他收入"
+        - MessageRole 消息角色
+            - USER = "user"
+            - ASSISTANT = "assistant"
+        - ReminderFrequency 提醒频率
+            - MONTHLY = "monthly"
+            - ONCE = "once"
+
+    - Common 通用属性
+        - seq 排序
+        - isEnabled 是否启用
         - creator 创建人
-            - Member
+        - created_at 创建时间
-    - Task 任务项目
+        - updated_at 更新时间
-        - title 标题(title)
+    - Transaction 交易记录
-        - project 分类(projectId)
+        - item 交易项目名称
-            - Project
+        - amount: float 交易金额
-        - desc 描述(notes)
+        - type: TransactionType 交易类型
-        - startDate 开始日期(date)
+        - category: ExpenseCategory | IncomeCategory 交易分类
-        - startTime 开始时间(startTime)
+        - date 交易日期 YYYY-MM-DD
-        - isCompleted 是否完成(isCompleted)
+        - timestamp: int 时间戳（毫秒）
-        - created_at 创建时间(createdAt)
+    - Message 聊天消息
-        - creator 创建人
+        - role: MessageRole 消息角色
-            - Member
+        - content 消息内容
+        - timestamp: int 时间戳（毫秒）
+        - transaction_id 关联的交易ID
+    - Budget 预算
+        - member_id 会员ID
+        - budgets: dict 预算字典 {名称: 金额}
+        - month 预算月份 YYYY-MM
+    - Reminder 账单提醒
+        - member_id 会员ID
+        - title 提醒标题
+        - amount: float 金额（可选）
+        - frequency: ReminderFrequency 频率
+        - target_date 目标日期: DD(每月) 或 YYYY-MM-DD(单次)
+        - is_completed: bool 完成状态
+    - AISettings AI助手设置
+        - member_id 会员ID
+        - name AI助手名称
+        - persona AI性格描述
+        - avatar 头像Base64编码
+    - UserPreference 用户偏好设置
+        - member_id 会员ID
+        - custom_preset_name 自定义预设名称
+        - custom_preset_description 自定义预设描述
+        - theme_index: int 主题索引
+        
 - API接口
-    - auth 授权
+    - Auth 授权
-        - POST /mp/auth/get_token
+        - POST /api/wx/get_token
             - 获取token
-        - GET /mp/auth/profile 
+        - GET /api/wx/profile 
             - 获取个人信息
-    - 项目
+    - transaction Bill: 交易记录
-        - GET /mp/todo/projects
+        - GET /api/bill/transactions
-            - 项目列表
+            - 获取分页交易记录
-        - GET /mp/todo/projects/{project_id}
+        - GET /api/bill/transactions/{id}
-            - 获取项目详细
+            - 获取交易记录详情
-        - POST /mp/todo/projects
+        - POST /api/bill/transactions
-            - 创建项目
+            - 创建交易记录
-        - PUT /mp/todo/projects/{project_id}
+        - PUT /api/bill/transactions/{id}
-            - 更新项目
+            - 更新交易记录
-        - DELETE /mp/todo/projects/{project_id}
+        - DELETE /api/bill/transactions/{id}
-            - 删除项目
+            - 删除交易记录
-    - 任务
+    - Message Bill: 聊天消息
-        - GET /mp/todo/tasks
+        - GET /api/bill/messages
-            - 任务列表
+            - 获取分页聊天消息
-        - GET /mp/todo/tasks/{task_id}
+        - GET /api/bill/messages/{id}
-            - 获取任务详细
+            - 获取聊天消息详情
-        - POST /mp/todo/tasks
+        - POST /api/bill/messages
-            - 创建任务
+            - 创建聊天消息
-        - PUT /mp/todo/tasks/{task_id}
+        - PUT /api/bill/messages/{id}
-            - 更新任务
+            - 更新聊天消息
-        - DELETE /mp/todo/tasks/{task_id}
+        - DELETE /api/bill/messages/{id}
-            - 删除项目
+            - 删除聊天消息
-        - PUT /mp/todo/tasks/{task_id}/completed
+    - Budget Bill: 预算
-            - 设置为已完成
+        - GET /api/bill/budgets
-        - PUT /mp/todo/tasks/{task_id}/uncompleted
+            - 获取分页预算
-            - 设置为未完成
+        - GET /api/bill/budgets/{id}
+            - 获取预算详情
+        - POST /api/bill/transactions
+            - 创建交易记录
+        - PUT /api/bill/transactions/{id}
+            - 更新交易记录
+        - DELETE /api/bill/transactions/{id}
+            - 删除交易记录
+    - BillReminder Bill: 账单提醒
+        - GET /api/bill/bill_reminders
+            - 获取分页账单提醒
+        - GET /api/bill/bill_reminders/{id}
+            - 获取账单提醒详情
+        - POST /api/bill/transactions
+            - 创建交易记录
+        - PUT /api/bill/transactions/{id}
+            - 更新交易记录
+        - DELETE /api/bill/transactions/{id}
+            - 删除交易记录
+    - AISettings AI助手设置
+        - GET /api/h5/ai_settings
+            - 获取AI助手设置
+        - PUT /api/h5/ai_settings
+            - 更新AI助手设置
+        - POST /api/h5/ai_settings/reset
+            - 重置AI助手设置
+    - UserPreference 用户偏好设置
+        - GET /api/h5/user_preference
+            - 获取用户偏好设置
+        - PUT /api/h5/user_preference
+            - 更新用户偏好设置
+    
 - 问题/需求
     - 单用户转换为多用户模式
         - 增加登录验证
         - 增加creator字段
     - 登录问题
-        - 小程序跳转到H5, 需要检测登录状态
-            - 如果已经登录, 需要把登录信息传递到H5首页
-            - 如果未登录跳转至小程序登录页
         - URL传递参数openid和mobile
         - H5端首页先检测token状态
             - 如果存在并且未过期, 则携带token获取用户信息
             - 如果不存在则通过openid和mobile获取token, 并获取用户信息
-    - 新建项目问题
+    - 语音接口识别
-        - 目前是实时更新模式, 保存到本地缓存没问题, 但是要持久化到数据库就会报错
+	    - 接口鲁棒性调试
-        - 增加保存按钮, 点击保存后提交接口, 并同步本地数据
+    - 识别消息对接创建交易记录接口
-        - 分别处理本地新建项目和提交接口新建项目的逻辑, 并处理错误提示, 例如项目名称重复
+	    - 约定和调试大模型返回数据
-    - 任务过滤查询
+
-        - 日期等于今天的任务
-        - 日期小于今日的任务
-        - 查询所有任务匹配到日历中
-    - 今日任务和日历中任务的匹配调节
-    - 测试任务2没有显示在今日任务中
-        - 最可能原因是日期转换过程中的时区差异。当API返回的日期时间字符串 "2026-01-14T00:00:00" 在客户端进行时区转换时，可能会因为客户端的时区设置导致日期变成 2026-01-13 或其他日期，从而不满足 t.date === systemDate 的条件。
-        - 多个在增删改查操作中存在的时区转换问题
 - 开发任务
-    - 小程序跳转时增加登录判断和URL传参(openid和mobile)
-        - 1小时/人
     - H5首页接收openid和mobile参数
         - 0.5小时/人
     - H5首页token检测并获取, 通过接口获取用户信息
@@ -94,11 +170,19 @@
         - 2小时/人
     - 开发H5端获取用户信息接口
         - 1.5小时/人
-    - 开发项目增删改查接口
+    - 开发交易记录增删改查接口
         - 4小时/人
-    - 开发任务增删改查接口和已完成/未完成接口
+    - 开发聊天增删改查接口
-        - 5小时/人
+        - 6小时/人
-    - 开发任务按时间过滤列表接口
+    - 开发预算增删改查接口
-        - 2小时/人
+        - 4小时/人
-    - 调试H5页面交互, 调用项目和任务接口
+    - 开发账单提醒增删改查完成接口
-        - 6~10小时/人
+        - 6小时/人
+    - 开发AI助手设置增删改查接口
+        - 4小时/人
+    - 开发用户偏好设置增删改查接口
+        - 3小时/人
+    - 调试H5页面交互, 调用交易记录、聊天、预算、账单提醒、助手设置、用户偏好接口
+        - 8~12小时/人
+    - 切换线上配置，打包、发布到线上服务器
+        - 2小时/人

index.html

@@ -4,7 +4,8 @@
     <meta charset="UTF-8" />
     <meta name="viewport" content="width=device-width, initial-scale=1.0" />
     <title>崔经理记账</title>
-    <script src="https://cdn.tailwindcss.com"></script>
+    <!-- <script src="https://cdn.tailwindcss.com"></script> -->
+     <script src="https://mp.yizhezhe.com/static/tailwindcss-3.4.17.js"></script>
     <link rel="preconnect" href="https://fonts.googleapis.com">
     <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
     <link href="https://fonts.googleapis.com/css2?family=Noto+Sans+SC:wght@400;500;700;900&display=swap" rel="stylesheet">

services/api.ts

@@ -0,0 +1,678 @@
+import { Transaction, Message, BillReminder } from '../types';
+
+// API基础配置
+const getApiUrl = (): string => {
+  return process.env.API_URL || 'http://localhost:8000';
+};
+
+const getAuthToken = (): string | null => {
+  return localStorage.getItem('auth_token');
+};
+
+// 统一响应格式
+interface ApiResponse<T = any> {
+  code: number;
+  msg?: string;
+  message?: string;
+  result?: T;
+}
+
+// 分页响应格式
+interface PaginatedResponse<T> {
+  items: T[];
+  skip: number;
+  total: number;
+}
+
+// 统计数据响应格式
+interface TransactionStats {
+  month: string;
+  total_income: number;
+  total_expense: number;
+  balance: number;
+  expense_by_category: Record<string, number>;
+  income_by_category: Record<string, number>;
+  daily_expense: Array<{ date: string; amount: number }>;
+}
+
+// 预算响应格式
+interface Budget {
+  id: string;
+  user_id?: string;
+  member_id?: string;
+  budgets: Record<string, number>;
+  month: string;
+  created_at?: string;
+  updated_at?: string;
+}
+
+// 预算执行情况
+interface BudgetExecution {
+  month: string;
+  budgets: Record<string, {
+    budget: number;
+    spent: number;
+    remaining: number;
+    percentage: number;
+  }>;
+  total_budget: number;
+  total_spent: number;
+  total_remaining: number;
+  is_over_budget: boolean;
+}
+
+// AI设置
+interface AISettings {
+  id?: string;
+  user_id?: string;
+  member_id?: string;
+  name: string;
+  persona: string;
+  avatar?: string;
+  created_at?: string;
+  updated_at?: string;
+}
+
+// 通用请求函数
+async function request<T>(
+  endpoint: string,
+  options: RequestInit = {}
+): Promise<T> {
+  const token = getAuthToken();
+  const apiUrl = getApiUrl();
+  const url = `${apiUrl}${endpoint}`;
+  
+  console.log(`请求地址: ${url}`);
+  
+  const defaultHeaders: HeadersInit = {
+    'Content-Type': 'application/json',
+  };
+  
+  if (token) {
+    defaultHeaders['Authorization'] = `Bearer ${token}`;
+  }
+
+  const config: RequestInit = {
+    ...options,
+    headers: {
+      ...defaultHeaders,
+      ...options.headers,
+    },
+  };
+
+  try {
+    const response = await fetch(url, config);
+    
+    const data: ApiResponse<T> = await response.json();
+    
+    if (!response.ok || (data.code && data.code !== 200)) {
+      const errorMsg = data.msg || data.message || `HTTP error! status: ${response.status}`;
+      throw new Error(errorMsg);
+    }
+
+    return data.result as T;
+  } catch (error) {
+    console.error('API请求错误:', error);
+    throw error;
+  }
+}
+
+// ==================== 用户认证接口 ====================
+
+/**
+ * 登录或注册
+ */
+export async function loginOrRegister(openid: string, mobile: string): Promise<{
+  token: string;
+  user: any;
+}> {
+  const apiUrl = getApiUrl();
+  console.log(`请求地址: ${apiUrl}/wx/loginOrRegister`);
+  
+  const response = await fetch(`${apiUrl}/wx/loginOrRegister`, {
+    method: 'POST',
+    headers: {
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify({ openid, mobile }),
+  });
+  
+  const data = await response.json();
+  
+  if (data.code === 200 && data.result?.token) {
+    // 保存token到localStorage
+    localStorage.setItem('auth_token', data.result.token);
+  }
+  
+  return data.result;
+}
+
+/**
+ * 获取用户信息
+ */
+export async function getUserProfile(): Promise<any> {
+  return request<any>('/wx/profile', {
+    method: 'GET',
+  });
+}
+
+/**
+ * 退出登录
+ */
+export function logout(): void {
+  localStorage.removeItem('auth_token');
+}
+
+// ==================== 交易记录接口 ====================
+
+/**
+ * 创建交易记录
+ */
+export async function createTransaction(data: {
+  item: string;
+  amount: number;
+  type: 'expense' | 'income';
+  category: string;
+  date: string;
+  timestamp: number;
+}): Promise<Transaction> {
+  return request<Transaction>('/bill/transactions/', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 查询交易记录列表（分页）
+ */
+export async function getTransactions(params?: {
+  skip?: number;
+  limit?: number;
+  type?: 'expense' | 'income';
+  category?: string;
+  start_date?: string;
+  end_date?: string;
+  month?: string;
+}): Promise<PaginatedResponse<Transaction>> {
+  const queryString = new URLSearchParams(
+    Object.entries(params || {}).reduce((acc, [key, value]) => {
+      if (value !== undefined) {
+        acc[key] = String(value);
+      }
+      return acc;
+    }, {} as Record<string, string>)
+  ).toString();
+
+  return request<PaginatedResponse<Transaction>>(
+    `/bill/transactions/${queryString ? `?${queryString}` : ''}`
+  );
+}
+
+/**
+ * 获取单个交易记录
+ */
+export async function getTransaction(id: string): Promise<Transaction> {
+  return request<Transaction>(`/bill/transactions/${id}`);
+}
+
+/**
+ * 更新交易记录
+ */
+export async function updateTransaction(
+  id: string,
+  data: Partial<{
+    item: string;
+    amount: number;
+    type: 'expense' | 'income';
+    category: string;
+    date: string;
+    timestamp: number;
+  }>
+): Promise<Transaction> {
+  return request<Transaction>(`/bill/transactions/${id}`, {
+    method: 'PUT',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 删除交易记录
+ */
+export async function deleteTransaction(id: string): Promise<void> {
+  return request<void>(`/bill/transactions/${id}`, {
+    method: 'DELETE',
+  });
+}
+
+/**
+ * 批量删除交易记录
+ */
+export async function batchDeleteTransactions(
+  transactionIds: string[]
+): Promise<{ deleted_count: number }> {
+  return request<{ deleted_count: number }>('/bill/transactions/batch', {
+    method: 'DELETE',
+    body: JSON.stringify({ transaction_ids: transactionIds }),
+  });
+}
+
+/**
+ * 获取交易统计数据
+ */
+export async function getTransactionStats(
+  month: string
+): Promise<TransactionStats> {
+  return request<TransactionStats>(`/bill/transactions/stats/summary?month=${month}`);
+}
+
+// ==================== 聊天消息接口 ====================
+
+/**
+ * 创建聊天消息
+ */
+export async function createMessage(data: {
+  role: 'user' | 'assistant';
+  content: string;
+  timestamp: number;
+  transaction_id?: string;
+}): Promise<Message> {
+  return request<Message>('/bill/messages/', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 查询聊天消息列表
+ */
+export async function getMessages(params?: {
+  skip?: number;
+  limit?: number;
+  role?: 'user' | 'assistant';
+  start_timestamp?: number;
+  end_timestamp?: number;
+}): Promise<PaginatedResponse<Message>> {
+  const queryString = new URLSearchParams(
+    Object.entries(params || {}).reduce((acc, [key, value]) => {
+      if (value !== undefined) {
+        acc[key] = String(value);
+      }
+      return acc;
+    }, {} as Record<string, string>)
+  ).toString();
+
+  return request<PaginatedResponse<Message>>(
+    `/bill/messages/${queryString ? `?${queryString}` : ''}`
+  );
+}
+
+/**
+ * 获取单个消息
+ */
+export async function getMessage(id: string): Promise<Message> {
+  return request<Message>(`/bill/messages/${id}`);
+}
+
+/**
+ * 删除消息
+ */
+export async function deleteMessage(id: string): Promise<void> {
+  return request<void>(`/bill/messages/${id}`, {
+    method: 'DELETE',
+  });
+}
+
+/**
+ * 清空聊天历史
+ */
+export async function clearMessages(): Promise<{ deleted_count: number }> {
+  return request<{ deleted_count: number }>('/bill/messages/clear', {
+    method: 'DELETE',
+  });
+}
+
+// ==================== 预算管理接口 ====================
+
+/**
+ * 获取月度预算
+ */
+export async function getMonthlyBudget(month: string): Promise<Budget> {
+  return request<Budget>(`/bill/budgets/${month}`);
+}
+
+/**
+ * 设置/更新月度预算
+ */
+export async function updateMonthlyBudget(
+  month: string,
+  budgets: Record<string, number>
+): Promise<Budget> {
+  return request<Budget>(`/bill/budgets/${month}`, {
+    method: 'PUT',
+    body: JSON.stringify({ budgets }),
+  });
+}
+
+/**
+ * 获取预算执行情况
+ */
+export async function getBudgetExecution(
+  month: string
+): Promise<BudgetExecution> {
+  return request<BudgetExecution>(`/bill/budgets/${month}/execution`);
+}
+
+// ==================== 账单提醒接口 ====================
+
+/**
+ * 创建账单提醒
+ */
+export async function createReminder(data: {
+  title: string;
+  amount?: number;
+  frequency: 'monthly' | 'once';
+  target_date: string;
+}): Promise<BillReminder> {
+  return request<BillReminder>('/bill/reminders/', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 查询账单提醒列表
+ */
+export async function getReminders(params?: {
+  skip?: number;
+  limit?: number;
+  frequency?: 'monthly' | 'once';
+  is_completed?: boolean;
+  month?: string;
+}): Promise<PaginatedResponse<BillReminder>> {
+  const queryString = new URLSearchParams(
+    Object.entries(params || {}).reduce((acc, [key, value]) => {
+      if (value !== undefined) {
+        acc[key] = String(value);
+      }
+      return acc;
+    }, {} as Record<string, string>)
+  ).toString();
+
+  return request<PaginatedResponse<BillReminder>>(
+    `/bill/reminders/${queryString ? `?${queryString}` : ''}`
+  );
+}
+
+/**
+ * 获取单个提醒
+ */
+export async function getReminder(id: string): Promise<BillReminder> {
+  return request<BillReminder>(`/bill/reminders/${id}`);
+}
+
+/**
+ * 更新账单提醒
+ */
+export async function updateReminder(
+  id: string,
+  data: Partial<{
+    title: string;
+    amount?: number;
+    frequency: 'monthly' | 'once';
+    target_date: string;
+  }>
+): Promise<BillReminder> {
+  return request<BillReminder>(`/bill/reminders/${id}`, {
+    method: 'PUT',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 切换提醒完成状态
+ */
+export async function toggleReminder(
+  id: string
+): Promise<{ id: string; is_completed: boolean }> {
+  return request<{ id: string; is_completed: boolean }>(
+    `/bill/reminders/${id}/toggle`,
+    {
+      method: 'PATCH',
+    }
+  );
+}
+
+/**
+ * 删除账单提醒
+ */
+export async function deleteReminder(id: string): Promise<void> {
+  return request<void>(`/bill/reminders/${id}`, {
+    method: 'DELETE',
+  });
+}
+
+/**
+ * 获取即将到期的提醒
+ */
+export async function getUpcomingReminders(
+  days: number = 7
+): Promise<PaginatedResponse<BillReminder>> {
+  return request<PaginatedResponse<BillReminder>>(
+    `/bill/reminders/upcoming?days=${days}`
+  );
+}
+
+// ==================== AI设置接口 ====================
+
+/**
+ * 获取AI设置
+ */
+export async function getAISettings(): Promise<AISettings> {
+  return request<AISettings>('/h5/ai-settings');
+}
+
+/**
+ * 更新AI设置
+ */
+export async function updateAISettings(data: {
+  name?: string;
+  persona?: string;
+  avatar?: string;
+}): Promise<AISettings> {
+  return request<AISettings>('/h5/ai-settings', {
+    method: 'PUT',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 重置AI设置为默认
+ */
+export async function resetAISettings(): Promise<AISettings> {
+  return request<AISettings>('/h5/ai-settings/reset', {
+    method: 'POST',
+  });
+}
+
+// ==================== 用户偏好接口 ====================
+
+interface UserPreferences {
+  id?: string;
+  user_id?: string;
+  custom_preset_name?: string;
+  custom_preset_description?: string;
+  theme_index?: number;
+  created_at?: string;
+  updated_at?: string;
+}
+
+/**
+ * 获取用户偏好
+ */
+export async function getUserPreferences(): Promise<UserPreferences> {
+  return request<UserPreferences>('/h5/preferences');
+}
+
+/**
+ * 更新用户偏好
+ */
+export async function updateUserPreferences(
+  data: Partial<UserPreferences>
+): Promise<UserPreferences> {
+  return request<UserPreferences>('/h5/preferences', {
+    method: 'PUT',
+    body: JSON.stringify(data),
+  });
+}
+
+// ==================== 数据同步接口 ====================
+
+interface SyncData {
+  transactions?: Transaction[];
+  messages?: Message[];
+  budgets?: Record<string, number>;
+  reminders?: BillReminder[];
+  ai_settings?: AISettings;
+  preferences?: UserPreferences;
+}
+
+/**
+ * 全量数据同步（上传）
+ */
+export async function uploadSyncData(data: SyncData): Promise<{
+  synced_at: string;
+  summary: {
+    transactions_count: number;
+    messages_count: number;
+    reminders_count: number;
+  };
+}> {
+  return request('/bill/sync/upload', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * 全量数据同步（下载）
+ */
+export async function downloadSyncData(): Promise<SyncData> {
+  return request<SyncData>('/bill/sync/download');
+}
+
+/**
+ * 增量数据同步
+ */
+export async function incrementalSync(data: {
+  last_sync_at: string;
+  changes: SyncData;
+}): Promise<{
+  synced_at: string;
+  server_changes: SyncData;
+}> {
+  return request('/bill/sync/incremental', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+// ==================== AI处理接口 ====================
+
+interface AIProcessResult {
+  transaction: {
+    item: string;
+    amount: number;
+    type: 'expense' | 'income';
+    category: string;
+  } | null;
+  reply: string;
+  created_transaction_id?: string;
+  created_message_ids?: string[];
+}
+
+/**
+ * AI处理用户消息
+ */
+export async function processAIMessage(data: {
+  message: string;
+  image_base64?: string;
+  mime_type?: string;
+}): Promise<AIProcessResult> {
+  return request<AIProcessResult>('/ai/process', {
+    method: 'POST',
+    body: JSON.stringify(data),
+  });
+}
+
+/**
+ * AI识别账单图片
+ */
+export async function recognizeReceipt(
+  imageFile: File
+): Promise<AIProcessResult> {
+  const formData = new FormData();
+  formData.append('image', imageFile);
+
+  // 注意: FormData需要特殊处理,不设置Content-Type让浏览器自动设置
+  return request<AIProcessResult>('/ai/recognize-receipt', {
+    method: 'POST',
+    body: formData,
+    headers: {}, // 清空默认headers,让fetch自动处理multipart/form-data
+  });
+}
+
+// ==================== 导出所有API ====================
+export default {
+  // 用户认证
+  loginOrRegister,
+  getUserProfile,
+  logout,
+  
+  // 交易记录
+  createTransaction,
+  getTransactions,
+  getTransaction,
+  updateTransaction,
+  deleteTransaction,
+  batchDeleteTransactions,
+  getTransactionStats,
+  
+  // 聊天消息
+  createMessage,
+  getMessages,
+  getMessage,
+  deleteMessage,
+  clearMessages,
+  
+  // 预算管理
+  getMonthlyBudget,
+  updateMonthlyBudget,
+  getBudgetExecution,
+  
+  // 账单提醒
+  createReminder,
+  getReminders,
+  getReminder,
+  updateReminder,
+  toggleReminder,
+  deleteReminder,
+  getUpcomingReminders,
+  
+  // AI设置
+  getAISettings,
+  updateAISettings,
+  resetAISettings,
+  
+  // 用户偏好
+  getUserPreferences,
+  updateUserPreferences,
+  
+  // 数据同步
+  uploadSyncData,
+  downloadSyncData,
+  incrementalSync,
+  
+  // AI处理
+  processAIMessage,
+  recognizeReceipt,
+};