diff --git a/database/migrations/2026_10_19_181000_cover_jd_daily_bill_summary_filters.php b/database/migrations/2026_10_19_181000_cover_jd_daily_bill_summary_filters.php
new file mode 100644
index 00000000..9722dc1e
--- /dev/null
+++ b/database/migrations/2026_10_19_181000_cover_jd_daily_bill_summary_filters.php
@@ -0,0 +1,40 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        if (config('system_database.mode', 'bootstrap') === 'bootstrap') return;
+        $schema = Schema::connection((string) config('upstream_mirrors.connection', 'business_mirror'));
+        if (! $schema->hasTable('jd_daily_bill_rows')) return;
+        if (collect($schema->getIndexes('jd_daily_bill_rows'))->contains('name', 'jd_daily_summary_cover')) return;
+        $columns = ['generation', 'occurred_at', 'income', 'expense', 'store_name', 'bill_item'];
+        $connection = $schema->getConnection();
+        if ($connection->getDriverName() === 'mysql') {
+            // Platform scope reads store_name: without it SUM must fetch every wide JSON row.
+            $wait = (int) $connection->selectOne('SELECT @@SESSION.lock_wait_timeout AS seconds')->seconds;
+            $connection->statement('SET SESSION lock_wait_timeout=5');
+            try {
+                $table = $connection->getQueryGrammar()->wrapTable('jd_daily_bill_rows');
+                $connection->statement('ALTER TABLE ' . $table . ' ADD INDEX jd_daily_summary_cover (generation, occurred_at, income, expense, store_name, bill_item), ALGORITHM=INPLACE, LOCK=NONE');
+            } finally {
+                $connection->statement('SET SESSION lock_wait_timeout=' . $wait);
+            }
+        } else {
+            $schema->table('jd_daily_bill_rows', fn (Blueprint $table) => $table->index($columns, 'jd_daily_summary_cover'));
+        }
+    }
+
+    public function down(): void
+    {
+        if (config('system_database.mode', 'bootstrap') === 'bootstrap') return;
+        $schema = Schema::connection((string) config('upstream_mirrors.connection', 'business_mirror'));
+        if ($schema->hasTable('jd_daily_bill_rows') && collect($schema->getIndexes('jd_daily_bill_rows'))->contains('name', 'jd_daily_summary_cover')) {
+            $schema->table('jd_daily_bill_rows', fn (Blueprint $table) => $table->dropIndex('jd_daily_summary_cover'));
+        }
+    }
+};
diff --git a/tests/Unit/EcommerceFinance/JdDailyBillTest.php b/tests/Unit/EcommerceFinance/JdDailyBillTest.php
index 25ae397b..07884a4a 100644
--- a/tests/Unit/EcommerceFinance/JdDailyBillTest.php
+++ b/tests/Unit/EcommerceFinance/JdDailyBillTest.php
@@ -20,6 +20,8 @@ class JdDailyBillTest extends TestCase
         config(['database.connections.business_mirror' => ['driver' => 'sqlite', 'database' => ':memory:', 'prefix' => '']]);
         DB::purge('business_mirror');
         (require database_path('migrations/2026_09_18_140000_create_jd_daily_bill_mirror_tables.php'))->up();
+        config(['system_database.mode' => 'shared']);
+        (require database_path('migrations/2026_10_19_181000_cover_jd_daily_bill_summary_filters.php'))->up();
     }
 
     protected function tearDown(): void