galaxy-opc-plugin 0.2.2 → 0.2.4

package/src/tools/finance-tool.ts

@@ -145,6 +145,62 @@ const FinanceSchema = Type.Union([
     action: Type.Literal("generate_funding_datapack"),
     company_id: Type.String({ description: "公司 ID" }),
   }),
+  Type.Object({
+    action: Type.Literal("create_payment"),
+    company_id: Type.String({ description: "公司 ID" }),
+    direction: Type.String({ description: "方向: receivable(应收) 或 payable(应付)" }),
+    counterparty: Type.String({ description: "对方单位名称" }),
+    amount: Type.Number({ description: "总金额（元）" }),
+    due_date: Type.String({ description: "到期日期 (YYYY-MM-DD)" }),
+    invoice_id: Type.Optional(Type.String({ description: "关联发票 ID" })),
+    contract_id: Type.Optional(Type.String({ description: "关联合同 ID" })),
+    category: Type.Optional(Type.String({ description: "类别: service/product/rent/salary/tax" })),
+    payment_method: Type.Optional(Type.String({ description: "支付方式: bank_transfer/alipay/wechat/cash" })),
+    notes: Type.Optional(Type.String({ description: "备注" })),
+  }),
+  Type.Object({
+    action: Type.Literal("list_payments"),
+    company_id: Type.String({ description: "公司 ID" }),
+    direction: Type.Optional(Type.String({ description: "按方向筛选: receivable/payable" })),
+    status: Type.Optional(Type.String({ description: "按状态筛选: pending/partial/paid/overdue/cancelled" })),
+    counterparty: Type.Optional(Type.String({ description: "按对方单位筛选" })),
+  }),
+  Type.Object({
+    action: Type.Literal("update_payment"),
+    payment_id: Type.String({ description: "应收应付记录 ID" }),
+    paid_amount: Type.Optional(Type.Number({ description: "已付金额（累加到 paid_amount）" })),
+    status: Type.Optional(Type.String({ description: "新状态: pending/partial/paid/overdue/cancelled" })),
+    paid_date: Type.Optional(Type.String({ description: "实际付款日期 (YYYY-MM-DD)" })),
+    notes: Type.Optional(Type.String({ description: "备注" })),
+  }),
+  Type.Object({
+    action: Type.Literal("payment_summary"),
+    company_id: Type.String({ description: "公司 ID" }),
+  }),
+  Type.Object({
+    action: Type.Literal("overdue_check"),
+    company_id: Type.String({ description: "公司 ID" }),
+  }),
+  Type.Object({
+    action: Type.Literal("generate_collection_notice"),
+    payment_id: Type.String({ description: "应收记录 ID" }),
+    tone: Type.Optional(Type.String({ description: "语气: polite(礼貌)/firm(坚定)/urgent(紧急)，默认 polite" })),
+  }),
+  Type.Object({
+    action: Type.Literal("classify_payment_risk"),
+    company_id: Type.String({ description: "公司 ID" }),
+  }),
+  Type.Object({
+    action: Type.Literal("log_payment_received"),
+    payment_id: Type.String({ description: "应收记录 ID" }),
+    amount: Type.Number({ description: "到账金额" }),
+    received_date: Type.Optional(Type.String({ description: "到账日期 (YYYY-MM-DD)，默认今天" })),
+    auto_create_transaction: Type.Optional(Type.Boolean({ description: "自动创建交易记录，默认 true" })),
+  }),
+  Type.Object({
+    action: Type.Literal("auto_remind_scheduler"),
+    company_id: Type.String({ description: "公司 ID" }),
+  }),
 ]);
 
 type FinanceParams = Static<typeof FinanceSchema>;
@@ -182,7 +238,11 @@ export function registerFinanceTool(api: OpenClawPluginApi, db: OpcDatabase): vo
         "generate_balance_sheet(生成资产负债表), generate_income_statement(生成利润表), " +
         "generate_cashflow_statement(生成现金流量表), calculate_customer_ltv(计算客户生命周期价值), " +
         "calculate_acquisition_cost(计算获客成本), unit_economics_analysis(单位经济学分析), " +
-        "generate_funding_datapack(生成融资数据包)",
+        "generate_funding_datapack(生成融资数据包), " +
+        "create_payment(创建应收应付记录), list_payments(应收应付列表), " +
+        "update_payment(更新应收应付), payment_summary(应收应付汇总), overdue_check(逾期检测), " +
+        "generate_collection_notice(AI生成催款文案), classify_payment_risk(应收风险分层), " +
+        "log_payment_received(一键登记到账并自动记账), auto_remind_scheduler(自动提醒调度)",
       parameters: FinanceSchema,
       async execute(_toolCallId, params) {
         const p = params as FinanceParams;
@@ -977,6 +1037,598 @@ export function registerFinanceTool(api: OpenClawPluginApi, db: OpcDatabase): vo
               });
             }
 
+            case "create_payment": {
+              const id = db.genId();
+              const now = new Date().toISOString();
+              db.execute(
+                `INSERT INTO opc_payments (id, company_id, direction, counterparty, amount, paid_amount, status, due_date, invoice_id, contract_id, category, payment_method, notes, created_at, updated_at)
+                 VALUES (?, ?, ?, ?, ?, 0, 'pending', ?, ?, ?, ?, ?, ?, ?, ?)`,
+                id, p.company_id, p.direction, p.counterparty, p.amount,
+                p.due_date,
+                p.invoice_id ?? "",
+                p.contract_id ?? "",
+                p.category ?? "",
+                p.payment_method ?? "",
+                p.notes ?? "",
+                now, now,
+              );
+              const payment = db.queryOne("SELECT * FROM opc_payments WHERE id = ?", id);
+              return json({ ok: true, payment });
+            }
+
+            case "list_payments": {
+              let sql = "SELECT * FROM opc_payments WHERE company_id = ?";
+              const params2: unknown[] = [p.company_id];
+              if (p.direction) { sql += " AND direction = ?"; params2.push(p.direction); }
+              if (p.status) { sql += " AND status = ?"; params2.push(p.status); }
+              if (p.counterparty) { sql += " AND counterparty = ?"; params2.push(p.counterparty); }
+              sql += " ORDER BY due_date DESC, created_at DESC";
+              const payments = db.query(sql, ...params2);
+              return json({ ok: true, payments });
+            }
+
+            case "update_payment": {
+              const existing = db.queryOne("SELECT * FROM opc_payments WHERE id = ?", p.payment_id) as {
+                id: string;
+                amount: number;
+                paid_amount: number;
+                status: string;
+                paid_date: string;
+                notes: string;
+              } | null;
+
+              if (!existing) {
+                return toolError(`应收应付记录 ${p.payment_id} 不存在`);
+              }
+
+              const updates: string[] = [];
+              const params2: unknown[] = [];
+
+              // 累加已付金额
+              if (p.paid_amount !== undefined) {
+                const newPaidAmount = existing.paid_amount + p.paid_amount;
+                updates.push("paid_amount = ?");
+                params2.push(newPaidAmount);
+
+                // 自动更新状态
+                if (!p.status) {
+                  if (newPaidAmount >= existing.amount) {
+                    updates.push("status = ?");
+                    params2.push("paid");
+                  } else if (newPaidAmount > 0) {
+                    updates.push("status = ?");
+                    params2.push("partial");
+                  }
+                }
+              }
+
+              if (p.status) {
+                updates.push("status = ?");
+                params2.push(p.status);
+              }
+
+              if (p.paid_date) {
+                updates.push("paid_date = ?");
+                params2.push(p.paid_date);
+              }
+
+              if (p.notes) {
+                updates.push("notes = ?");
+                params2.push(p.notes);
+              }
+
+              updates.push("updated_at = ?");
+              params2.push(new Date().toISOString());
+
+              params2.push(p.payment_id);
+
+              if (updates.length > 0) {
+                db.execute(
+                  `UPDATE opc_payments SET ${updates.join(", ")} WHERE id = ?`,
+                  ...params2,
+                );
+              }
+
+              const payment = db.queryOne("SELECT * FROM opc_payments WHERE id = ?", p.payment_id);
+              return json({ ok: true, payment });
+            }
+
+            case "payment_summary": {
+              const receivables = db.queryOne(
+                `SELECT
+                   COALESCE(SUM(CASE WHEN status IN ('pending', 'partial') THEN amount - paid_amount ELSE 0 END), 0) as pending_receivable,
+                   COALESCE(SUM(CASE WHEN status = 'overdue' THEN amount - paid_amount ELSE 0 END), 0) as overdue_receivable,
+                   COALESCE(COUNT(CASE WHEN status = 'overdue' THEN 1 END), 0) as overdue_count
+                 FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'`,
+                p.company_id,
+              ) as { pending_receivable: number; overdue_receivable: number; overdue_count: number };
+
+              const payables = db.queryOne(
+                `SELECT
+                   COALESCE(SUM(CASE WHEN status IN ('pending', 'partial') THEN amount - paid_amount ELSE 0 END), 0) as pending_payable,
+                   COALESCE(SUM(CASE WHEN status = 'overdue' THEN amount - paid_amount ELSE 0 END), 0) as overdue_payable,
+                   COALESCE(COUNT(CASE WHEN status = 'overdue' THEN 1 END), 0) as overdue_count
+                 FROM opc_payments
+                 WHERE company_id = ? AND direction = 'payable'`,
+                p.company_id,
+              ) as { pending_payable: number; overdue_payable: number; overdue_count: number };
+
+              // 近 7 天到期
+              const today = new Date().toISOString().slice(0, 10);
+              const sevenDaysLater = new Date(Date.now() + 7 * 24 * 60 * 60 * 1000).toISOString().slice(0, 10);
+
+              const dueSoon = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND status IN ('pending', 'partial')
+                   AND due_date >= ? AND due_date <= ?
+                 ORDER BY due_date`,
+                p.company_id, today, sevenDaysLater,
+              );
+
+              return json({
+                ok: true,
+                summary: {
+                  receivable: {
+                    pending_total: receivables.pending_receivable,
+                    overdue_total: receivables.overdue_receivable,
+                    overdue_count: receivables.overdue_count,
+                  },
+                  payable: {
+                    pending_total: payables.pending_payable,
+                    overdue_total: payables.overdue_payable,
+                    overdue_count: payables.overdue_count,
+                  },
+                  due_within_7_days: dueSoon,
+                },
+              });
+            }
+
+            case "overdue_check": {
+              const today = new Date().toISOString().slice(0, 10);
+
+              // 自动标记逾期记录
+              db.execute(
+                `UPDATE opc_payments
+                 SET status = 'overdue', updated_at = ?
+                 WHERE status IN ('pending', 'partial') AND due_date < ?`,
+                new Date().toISOString(), today,
+              );
+
+              // 查询所有逾期记录
+              const overduePayments = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND status = 'overdue'
+                 ORDER BY due_date`,
+                p.company_id,
+              );
+
+              // 统计逾期信息
+              const overdueReceivable = db.queryOne(
+                `SELECT
+                   COALESCE(SUM(amount - paid_amount), 0) as total,
+                   COALESCE(COUNT(*), 0) as count
+                 FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable' AND status = 'overdue'`,
+                p.company_id,
+              ) as { total: number; count: number };
+
+              const overduePayable = db.queryOne(
+                `SELECT
+                   COALESCE(SUM(amount - paid_amount), 0) as total,
+                   COALESCE(COUNT(*), 0) as count
+                 FROM opc_payments
+                 WHERE company_id = ? AND direction = 'payable' AND status = 'overdue'`,
+                p.company_id,
+              ) as { total: number; count: number };
+
+              return json({
+                ok: true,
+                overdue_check: {
+                  receivable: {
+                    total: overdueReceivable.total,
+                    count: overdueReceivable.count,
+                  },
+                  payable: {
+                    total: overduePayable.total,
+                    count: overduePayable.count,
+                  },
+                  overdue_list: overduePayments,
+                },
+                note: "已自动标记所有逾期记录",
+              });
+            }
+
+            // ═══════════════════════════════════════════════════════
+            // 新增：回款助手增强功能
+            // ═══════════════════════════════════════════════════════
+
+            case "generate_collection_notice": {
+              const payment = db.queryOne(
+                "SELECT * FROM opc_payments WHERE id = ?",
+                p.payment_id,
+              ) as {
+                counterparty: string;
+                amount: number;
+                paid_amount: number;
+                due_date: string;
+                category: string;
+              } | null;
+
+              if (!payment) {
+                return toolError("PAYMENT_NOT_FOUND", `应收记录 ${p.payment_id} 不存在`);
+              }
+
+              // 计算逾期天数
+              const today = new Date();
+              const dueDate = new Date(payment.due_date);
+              const overdueDays = Math.floor((today.getTime() - dueDate.getTime()) / (1000 * 60 * 60 * 24));
+              const remainingAmount = payment.amount - payment.paid_amount;
+
+              // 使用 LLM 生成催款文案
+              const tone = p.tone ?? "polite";
+              const toneMap: Record<string, string> = {
+                polite: "礼貌、友好、委婉",
+                firm: "坚定、专业、明确",
+                urgent: "紧急、严肃、正式",
+              };
+
+              const prompt = `你是一个专业的商务助手。根据以下信息生成一封催款通知：
+
+客户信息：
+- 客户名称：${payment.counterparty || "客户"}
+- 欠款金额：${remainingAmount} 元
+- 已付金额：${payment.paid_amount} 元
+- 到期日期：${payment.due_date}
+- 逾期天数：${overdueDays > 0 ? overdueDays + " 天" : "未逾期（还有 " + Math.abs(overdueDays) + " 天到期）"}
+- 款项类型：${payment.category}
+
+语气要求：${toneMap[tone]}
+
+请生成以下三个版本：
+1. **邮件版本**（subject + body，正式完整）
+2. **微信版本**（简短、口语化，100字以内）
+3. **短信版本**（精炼，70字以内）
+
+要求：
+- 语气${toneMap[tone]}，但保持专业
+- 明确款项金额和到期日
+- ${overdueDays > 0 ? "提醒逾期情况" : "友情提醒即将到期"}
+- 提供联系方式（"如有疑问请联系我"）
+
+返回 JSON 格式：
+{
+  "email": { "subject": "...", "body": "..." },
+  "wechat": "...",
+  "sms": "..."
+}`;
+
+              try {
+                const response = await api.callLLM({
+                  messages: [{ role: "user", content: prompt }],
+                  maxTokens: 800,
+                  temperature: 0.7,
+                });
+
+                const content = response.content?.[0];
+                let notice;
+
+                if (content?.type === "text") {
+                  // 尝试解析 JSON
+                  const jsonMatch = content.text.match(/\{[\s\S]*\}/);
+                  if (jsonMatch) {
+                    notice = JSON.parse(jsonMatch[0]);
+                  } else {
+                    // 如果没有 JSON，返回原始文本
+                    notice = {
+                      email: { subject: "款项到期提醒", body: content.text },
+                      wechat: content.text.slice(0, 100),
+                      sms: content.text.slice(0, 70),
+                    };
+                  }
+                } else {
+                  return toolError("LLM_ERROR", "LLM 返回格式异常");
+                }
+
+                // 更新催款记录
+                const now = new Date().toISOString();
+                const remindCount = (payment as unknown as { remind_count?: number }).remind_count ?? 0;
+                db.exec(
+                  "UPDATE opc_payments SET last_remind_date = ?, remind_count = ?, updated_at = ? WHERE id = ?",
+                  now.slice(0, 10),
+                  remindCount + 1,
+                  now,
+                  p.payment_id,
+                );
+
+                return json({
+                  ok: true,
+                  notice,
+                  payment_info: {
+                    counterparty: payment.counterparty,
+                    amount: remainingAmount,
+                    due_date: payment.due_date,
+                    overdue_days: overdueDays,
+                  },
+                  message: `✅ 已生成${tone === "polite" ? "礼貌" : tone === "firm" ? "坚定" : "紧急"}催款文案`,
+                });
+              } catch (err) {
+                return toolError("LLM_CALL_FAILED", `LLM 调用失败: ${err instanceof Error ? err.message : String(err)}`);
+              }
+            }
+
+            case "classify_payment_risk": {
+              const today = new Date().toISOString().slice(0, 10);
+
+              // 先更新逾期天数
+              db.exec(
+                `UPDATE opc_payments
+                 SET overdue_days = CAST((julianday('${today}') - julianday(due_date)) AS INTEGER)
+                 WHERE direction = 'receivable' AND status IN ('pending', 'partial', 'overdue')`,
+              );
+
+              // 更新风险等级
+              db.exec(
+                `UPDATE opc_payments
+                 SET risk_level = CASE
+                   WHEN overdue_days <= 7 THEN 'normal'
+                   WHEN overdue_days BETWEEN 8 AND 30 THEN 'warning'
+                   ELSE 'critical'
+                 END
+                 WHERE direction = 'receivable' AND status IN ('pending', 'partial', 'overdue')`,
+              );
+
+              // 查询各风险等级的应收
+              const riskStats = db.query(
+                `SELECT
+                   risk_level,
+                   COALESCE(COUNT(*), 0) as count,
+                   COALESCE(SUM(amount - paid_amount), 0) as total_amount
+                 FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable' AND status IN ('pending', 'partial', 'overdue')
+                 GROUP BY risk_level`,
+                p.company_id,
+              ) as Array<{ risk_level: string; count: number; total_amount: number }>;
+
+              const classification: Record<string, { count: number; amount: number; list: unknown[] }> = {
+                normal: { count: 0, amount: 0, list: [] },
+                warning: { count: 0, amount: 0, list: [] },
+                critical: { count: 0, amount: 0, list: [] },
+              };
+
+              // 获取详细列表
+              for (const stat of riskStats) {
+                const list = db.query(
+                  `SELECT * FROM opc_payments
+                   WHERE company_id = ? AND risk_level = ?
+                   ORDER BY overdue_days DESC`,
+                  p.company_id,
+                  stat.risk_level,
+                );
+
+                classification[stat.risk_level] = {
+                  count: stat.count,
+                  amount: stat.total_amount,
+                  list,
+                };
+              }
+
+              // 生成建议
+              const suggestions: string[] = [];
+              if (classification.critical.count > 0) {
+                suggestions.push(
+                  `⚠️ ${classification.critical.count} 笔严重逾期（>30天），总计 ${classification.critical.amount.toFixed(2)} 元，建议升级催收或法律途径`,
+                );
+              }
+              if (classification.warning.count > 0) {
+                suggestions.push(
+                  `💡 ${classification.warning.count} 笔预警逾期（8-30天），总计 ${classification.warning.amount.toFixed(2)} 元，建议电话跟进`,
+                );
+              }
+              if (classification.normal.count > 0) {
+                suggestions.push(
+                  `✅ ${classification.normal.count} 笔正常（≤7天），总计 ${classification.normal.amount.toFixed(2)} 元，保持关注`,
+                );
+              }
+
+              return json({
+                ok: true,
+                risk_classification: classification,
+                suggestions,
+                updated_at: today,
+              });
+            }
+
+            case "log_payment_received": {
+              const now = new Date().toISOString();
+              const receivedDate = p.received_date ?? now.slice(0, 10);
+              const autoCreateTransaction = p.auto_create_transaction ?? true;
+
+              // 获取应收记录
+              const payment = db.queryOne(
+                "SELECT * FROM opc_payments WHERE id = ?",
+                p.payment_id,
+              ) as {
+                company_id: string;
+                counterparty: string;
+                amount: number;
+                paid_amount: number;
+                milestone_id: string;
+                category: string;
+              } | null;
+
+              if (!payment) {
+                return toolError("PAYMENT_NOT_FOUND", `应收记录 ${p.payment_id} 不存在`);
+              }
+
+              // 更新已付金额
+              const newPaidAmount = payment.paid_amount + p.amount;
+              const newStatus = newPaidAmount >= payment.amount ? "paid" : "partial";
+
+              db.exec(
+                `UPDATE opc_payments
+                 SET paid_amount = ?, paid_date = ?, status = ?, updated_at = ?
+                 WHERE id = ?`,
+                newPaidAmount,
+                receivedDate,
+                newStatus,
+                now,
+                p.payment_id,
+              );
+
+              // 自动创建交易记录
+              let transactionId: string | null = null;
+              if (autoCreateTransaction) {
+                transactionId = db.genId();
+                const categoryMap: Record<string, string> = {
+                  service: "service_income",
+                  product: "product_income",
+                  rent: "rent_income",
+                  other: "other_income",
+                };
+                const transactionCategory = categoryMap[payment.category] ?? "other_income";
+
+                db.exec(
+                  `INSERT INTO opc_transactions (id, company_id, type, category, amount, description, counterparty, transaction_date, created_at)
+                   VALUES (?, ?, 'income', ?, ?, ?, ?, ?, ?)`,
+                  transactionId,
+                  payment.company_id,
+                  transactionCategory,
+                  p.amount,
+                  `${payment.counterparty} 付款`,
+                  payment.counterparty,
+                  receivedDate,
+                  now,
+                );
+              }
+
+              // 如果关联了里程碑，更新里程碑状态
+              if (payment.milestone_id && newStatus === "paid") {
+                db.exec(
+                  `UPDATE opc_contract_milestones
+                   SET status = 'completed', completed_date = ?, updated_at = ?
+                   WHERE id = ?`,
+                  receivedDate,
+                  now,
+                  payment.milestone_id,
+                );
+              }
+
+              return json({
+                ok: true,
+                payment: db.queryOne("SELECT * FROM opc_payments WHERE id = ?", p.payment_id),
+                transaction: transactionId ? db.queryOne("SELECT * FROM opc_transactions WHERE id = ?", transactionId) : null,
+                message: `✅ 已登记到账 ${p.amount} 元${autoCreateTransaction ? "，已自动记账" : ""}${newStatus === "paid" ? "，应收已全额到账" : `，剩余 ${(payment.amount - newPaidAmount).toFixed(2)} 元`}`,
+              });
+            }
+
+            case "auto_remind_scheduler": {
+              const today = new Date().toISOString().slice(0, 10);
+              const in3Days = new Date(Date.now() + 3 * 24 * 60 * 60 * 1000).toISOString().slice(0, 10);
+              const in7Days = new Date(Date.now() + 7 * 24 * 60 * 60 * 1000).toISOString().slice(0, 10);
+
+              // 查询需要提醒的应收记录
+              const reminders: { type: string; payments: unknown[]; message: string }[] = [];
+
+              // 1. 3天内到期的应收
+              const dueSoon3 = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'
+                   AND status = 'pending'
+                   AND due_date BETWEEN ? AND ?
+                 ORDER BY due_date`,
+                p.company_id,
+                today,
+                in3Days,
+              );
+
+              if (dueSoon3.length > 0) {
+                reminders.push({
+                  type: "due_in_3_days",
+                  payments: dueSoon3,
+                  message: `⏰ ${dueSoon3.length} 笔应收将在 3 天内到期`,
+                });
+              }
+
+              // 2. 7天内到期的应收
+              const dueSoon7 = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'
+                   AND status = 'pending'
+                   AND due_date BETWEEN ? AND ?
+                 ORDER BY due_date`,
+                p.company_id,
+                in3Days,
+                in7Days,
+              );
+
+              if (dueSoon7.length > 0) {
+                reminders.push({
+                  type: "due_in_7_days",
+                  payments: dueSoon7,
+                  message: `📅 ${dueSoon7.length} 笔应收将在 7 天内到期`,
+                });
+              }
+
+              // 3. 逾期 7 天的应收
+              const overdue7 = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'
+                   AND status = 'overdue' AND overdue_days >= 7 AND overdue_days < 15
+                 ORDER BY overdue_days DESC`,
+                p.company_id,
+              );
+
+              if (overdue7.length > 0) {
+                reminders.push({
+                  type: "overdue_7_days",
+                  payments: overdue7,
+                  message: `⚠️ ${overdue7.length} 笔应收逾期 7-14 天，需要跟进`,
+                });
+              }
+
+              // 4. 逾期 15 天的应收
+              const overdue15 = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'
+                   AND status = 'overdue' AND overdue_days >= 15 AND overdue_days < 30
+                 ORDER BY overdue_days DESC`,
+                p.company_id,
+              );
+
+              if (overdue15.length > 0) {
+                reminders.push({
+                  type: "overdue_15_days",
+                  payments: overdue15,
+                  message: `🚨 ${overdue15.length} 笔应收逾期 15-29 天，建议电话催收`,
+                });
+              }
+
+              // 5. 逾期 30 天以上的应收
+              const overdue30 = db.query(
+                `SELECT * FROM opc_payments
+                 WHERE company_id = ? AND direction = 'receivable'
+                   AND status = 'overdue' AND overdue_days >= 30
+                 ORDER BY overdue_days DESC`,
+                p.company_id,
+              );
+
+              if (overdue30.length > 0) {
+                reminders.push({
+                  type: "overdue_30_days",
+                  payments: overdue30,
+                  message: `🔴 ${overdue30.length} 笔应收逾期 30 天以上，建议升级催收或法律途径`,
+                });
+              }
+
+              return json({
+                ok: true,
+                reminders,
+                total_count: reminders.reduce((sum, r) => sum + r.payments.length, 0),
+                message: `已生成 ${reminders.length} 类提醒，共 ${reminders.reduce((sum, r) => sum + r.payments.length, 0)} 笔应收需要关注`,
+              });
+            }
+
             case "generate_funding_datapack": {
               // 获取公司基本信息
               const company = db.queryOne(