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

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+"""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

app/services/renewal_service.py

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+"""续费检查服务
+
+检查即将到期的资产，生成提醒消息并通过通知渠道发送。
+"""
+
+from datetime import date
+
+from sqlmodel import Session, select
+
+from app.core.config import settings
+from app.models.asset import Asset, AssetStatus
+from app.services import notification_service
+
+# 已注销的资产不参与续费提醒
+_SKIP_STATUS = {AssetStatus.CANCELLED}
+
+
+def get_expiring_assets(session: Session, threshold_days: int) -> list:
+    """返回 threshold_days 天内到期的资产列表 [(asset, days), ...]，按剩余天数升序"""
+    today = date.today()
+    assets = session.exec(select(Asset).where(Asset.expiry_date.is_not(None))).all()
+    expiring = []
+    for asset in assets:
+        if asset.status in _SKIP_STATUS:
+            continue
+        days = (asset.expiry_date - today).days
+        if 0 <= days <= threshold_days:
+            expiring.append((asset, days))
+    expiring.sort(key=lambda x: x[1])
+    return expiring
+
+
+def build_renewal_message(expiring: list, threshold_days: int) -> str:
+    """生成续费提醒消息（纯文本，兼容 Telegram/邮件）"""
+    if not expiring:
+        return ""
+    lines = [f"⏰ 资产续费提醒（{threshold_days} 天内到期，共 {len(expiring)} 项）", ""]
+    for asset, days in expiring:
+        tag = "（已过期）" if days == 0 else f"（{days} 天后）"
+        lines.append(f"• {asset.name} [{asset.provider}] {tag} 到期 {asset.expiry_date}")
+    return "\n".join(lines)
+
+
+def check_renewals(session: Session, threshold_days: int = None, send: bool = True) -> dict:
+    """检查续费并（可选）发送提醒
+
+    threshold_days: 提醒阈值天数，默认取配置 RENEWAL_THRESHOLD_DAYS
+    send: 是否实际发送通知（False 时仅返回预览）
+    """
+    if threshold_days is None:
+        threshold_days = settings.RENEWAL_THRESHOLD_DAYS
+
+    expiring = get_expiring_assets(session, threshold_days)
+    message = build_renewal_message(expiring, threshold_days)
+
+    result = {
+        "threshold_days": threshold_days,
+        "expiring_count": len(expiring),
+        "expiring": [
+            {
+                "name": asset.name,
+                "provider": asset.provider,
+                "days": days,
+                "expiry_date": str(asset.expiry_date),
+            }
+            for asset, days in expiring
+        ],
+        "message": message,
+    }
+
+    if send and message:
+        result["notifications"] = notification_service.notify(message)
+    else:
+        result["notifications"] = []
+    return result