银行 Statement 分类算法

$result = CategoryAlgo::categorize($tx);

if ($result['confidence_score'] < 70) {
    $result['needs_review'] = true;
}

save_algo_result($tx['id'], [
    'algo_category' => $result['final_category'],
    'algo_confidence' => $result['confidence_score'],
    'algo_match_type' => $result['match_type'],
    'algo_reason' => $result['explanation'],
    'algo_needs_review' => $result['needs_review'] ? 1 : 0,
]);

if (!empty($manual_category)) {
    catdictSaveManualCategory(
        $tx['description'],
        (float)$tx['debit'],
        (float)$tx['credit'],
        $manual_category,
        $tx['source_sheet'] ?? ''
    );
}