Add transfer tracking and secure admin access

backend/MiaoJiZhang.Api/Services/AiServices.cs

@@ -12,8 +12,10 @@ public record ParsedBill(
     string CategoryName,
     string Note,
     decimal Amount,
-    string? PaymentMethod,
-    DateTime? OccurredAt = null);
+    string? PaymentMethod,
+    DateTime? OccurredAt = null,
+    TransferDirection? TransferDirection = null,
+    string? Counterparty = null);
 
 public record IntentResult(string Kind, ParsedBill? Bill); // bill | query | chat
 
@@ -67,13 +69,19 @@ public class ReplyService(AppDbContext db)
     public async Task<string> BillReplyAsync(long userId, ParsedBill bill)
     {
         var (persona, tic) = await GetPersonaAsync(userId);
-        var action = bill.Type == TransactionType.Income ? "收入" : "支出";
+        var action = bill.Type switch
+        {
+            TransactionType.Income => "收入",
+            TransactionType.Transfer when bill.TransferDirection == TransferDirection.In => "转入",
+            TransactionType.Transfer => "转出",
+            _ => "支出",
+        };
         var body = persona switch
         {
             "gentle" => $"{action}记好啦～{bill.CategoryName} ¥{bill.Amount:F2}",
             "strict" => $"已记录{action}：{bill.CategoryName} ¥{bill.Amount:F2}。",
             "meme" => $"{action}记上了！{bill.CategoryName} ¥{bill.Amount:F2}，家人们谁懂啊",
-            _ => bill.Type == TransactionType.Income
+            _ => bill.Type.IsIncome(bill.TransferDirection)
                 ? $"收入到账！{bill.CategoryName} ¥{bill.Amount:F2}，钱包回血啦"
                 : $"记好了！{bill.CategoryName} ¥{bill.Amount:F2}，这笔支出我帮你盯着",
         };