feat: 续费提醒告警（Telegram/邮件多渠道+续费检查+每日定时+前端控制）

app/services/notification_service.py

@@ -0,0 +1,72 @@
+"""通知服务：Telegram / 邮件多渠道发送
+
+根据 .env 配置的渠道发送通知。未配置的渠道自动跳过。
+"""
+
+import smtplib
+from email.mime.text import MIMEText
+
+import httpx
+
+from app.core.config import settings
+
+
+def send_telegram(message: str) -> dict:
+    """通过 Telegram Bot 发送消息"""
+    if not settings.TELEGRAM_BOT_TOKEN or not settings.TELEGRAM_CHAT_ID:
+        return {"ok": False, "channel": "telegram", "message": "未配置 Telegram"}
+    url = f"https://api.telegram.org/bot{settings.TELEGRAM_BOT_TOKEN}/sendMessage"
+    try:
+        resp = httpx.post(
+            url,
+            json={
+                "chat_id": settings.TELEGRAM_CHAT_ID,
+                "text": message,
+                "parse_mode": "HTML",
+                "disable_web_page_preview": True,
+            },
+            timeout=15,
+        )
+        resp.raise_for_status()
+        return {"ok": True, "channel": "telegram", "message": "发送成功"}
+    except Exception as e:  # noqa: BLE001
+        return {"ok": False, "channel": "telegram", "message": str(e)}
+
+
+def send_email(message: str, subject: str = "资产续费提醒") -> dict:
+    """通过 SMTP 发送邮件"""
+    if not settings.SMTP_HOST or not settings.SMTP_USER:
+        return {"ok": False, "channel": "email", "message": "未配置邮件"}
+    try:
+        msg = MIMEText(message, "plain", "utf-8")
+        msg["Subject"] = subject
+        msg["From"] = settings.SMTP_FROM or settings.SMTP_USER
+        msg["To"] = settings.SMTP_TO or settings.SMTP_USER
+        with smtplib.SMTP_SSL(settings.SMTP_HOST, settings.SMTP_PORT, timeout=15) as server:
+            server.login(settings.SMTP_USER, settings.SMTP_PASSWORD)
+            server.send_message(msg)
+        return {"ok": True, "channel": "email", "message": "发送成功"}
+    except Exception as e:  # noqa: BLE001
+        return {"ok": False, "channel": "email", "message": str(e)}
+
+
+def notify(message: str, subject: str = "资产续费提醒") -> list:
+    """发送到所有已配置的渠道，返回各渠道结果"""
+    results = []
+    if settings.TELEGRAM_BOT_TOKEN:
+        results.append(send_telegram(message))
+    if settings.SMTP_HOST:
+        results.append(send_email(message, subject))
+    if not results:
+        results.append({"ok": False, "channel": "none", "message": "未配置任何通知渠道"})
+    return results
+
+
+def configured_channels() -> list:
+    """返回已配置的通知渠道列表"""
+    channels = []
+    if settings.TELEGRAM_BOT_TOKEN and settings.TELEGRAM_CHAT_ID:
+        channels.append("telegram")
+    if settings.SMTP_HOST and settings.SMTP_USER:
+        channels.append("email")
+    return channels