添加 Hook 消息接收与本地调试模式，便于 LSPosed/Telegram 联调。

新增 HookMessageReceiver 与通知服务 Hook 上报链路，支持未登录本地监听；补充 build/install 脚本并忽略 platform-tools 与 xposed 构建产物。

app/src/main/java/com/miraclegarden/smsmessage/ActionConfirmDialog.java

@@ -16,6 +16,7 @@ import com.miraclegarden.smsmessage.databinding.DialogActionConfirmBinding;
 import com.miraclegarden.smsmessage.model.ApiError;
 import com.miraclegarden.smsmessage.model.BankInfo;
 import com.miraclegarden.smsmessage.network.ApiService;
+import com.miraclegarden.smsmessage.network.TokenManager;
 
 import java.util.ArrayList;
 import java.util.List;
@@ -30,8 +31,10 @@ public class ActionConfirmDialog extends Dialog {
     int index;
     DialogActionConfirmBinding actionConfirmBinding;
     ApiService apiService;
+    TokenManager tokenManager;
     List<BankInfo> bankList = new ArrayList<>();
     BankInfo selectedBank = null;
+    private boolean localMode = false;
 
     public interface OnToActionListener {
         void toSumbit(AppInfo appInfo);
@@ -47,6 +50,7 @@ public class ActionConfirmDialog extends Dialog {
         this.context = context;
         this.appInfo = appInfo;
         this.apiService = new ApiService(context);
+        this.tokenManager = TokenManager.getInstance(context);
     }
 
     @Override
@@ -59,10 +63,19 @@ public class ActionConfirmDialog extends Dialog {
         actionConfirmBinding.tvAppname.setText(appInfo.getAppName());
         actionConfirmBinding.tvPackage.setText(appInfo.getPackageName());
 
-        // 加载银行账户列表
-        loadBankList();
+        // 未登录时走本地模式，不请求服务器银行账户
+        if (!tokenManager.isLoggedIn()) {
+            setupLocalMode();
+        } else {
+            loadBankList();
+        }
 
         actionConfirmBinding.sumbitTv.setOnClickListener(view -> {
+            if (localMode) {
+                submitLocalMode();
+                return;
+            }
+
             if (selectedBank == null) {
                 Toast.makeText(context, "请选择关联的银行账户", Toast.LENGTH_SHORT).show();
                 return;
@@ -124,14 +137,43 @@ public class ActionConfirmDialog extends Dialog {
             public void onError(ApiError error) {
                 if (context instanceof android.app.Activity) {
                     ((android.app.Activity) context).runOnUiThread(() -> {
-                        Toast.makeText(context, "加载银行账户失败: " + error.getMessage(), Toast.LENGTH_LONG).show();
-                        dismiss();
+                        Toast.makeText(context, "无法加载银行账户，已切换本地模式", Toast.LENGTH_SHORT).show();
+                        setupLocalMode();
                     });
                 }
             }
         });
     }
 
+    private void setupLocalMode() {
+        localMode = true;
+        selectedBank = null;
+        actionConfirmBinding.spinnerBank.setVisibility(View.GONE);
+        View bankSection = (View) actionConfirmBinding.spinnerBank.getParent();
+        if (bankSection != null) {
+            for (int i = 0; i < ((android.view.ViewGroup) bankSection).getChildCount(); i++) {
+                ((android.view.ViewGroup) bankSection).getChildAt(i).setVisibility(View.GONE);
+            }
+        }
+    }
+
+    private void submitLocalMode() {
+        if (TextUtils.isEmpty(appInfo.getBankInfoId())) {
+            appInfo.setBankInfoId("local:" + appInfo.getPackageName());
+        }
+        if (TextUtils.isEmpty(appInfo.getName())) {
+            appInfo.setName(appInfo.getAppName());
+        }
+        if (TextUtils.isEmpty(appInfo.getCode())) {
+            appInfo.setCode(appInfo.getPackageName());
+        }
+
+        if (onToActionListener != null) {
+            dismiss();
+            onToActionListener.toSumbit(appInfo);
+        }
+    }
+
     private void setupSpinner() {
         List<String> bankNames = new ArrayList<>();
         bankNames.add("请选择银行账户");