baodan/api/insurance/ppt/validator.py

"""验证模块 — 数据完整性和导出就绪检查。"""
from dataclasses import dataclass
from typing import Optional


@dataclass
class FormalDeckIssue:
    code: str
    level: str  # "error" | "warn"
    message: str


@dataclass
class ValidationIssue:
    field: str
    message: str
    level: str  # "error" | "warn"


def _is_continuous(rows: list[dict]) -> bool:
    """检查保单年度是否连续。"""
    years = sorted(r.get("policyYear", 0) for r in rows if isinstance(r, dict))
    for i in range(1, len(years)):
        if years[i] != years[i - 1] + 1:
            return False
    return True


def _has_sufficient_milestone_coverage(rows: list[dict]) -> bool:
    """判断非连续利益表是否覆盖正式方案所需的关键年度。"""
    years = {
        int(r.get("policyYear", 0))
        for r in rows
        if isinstance(r, dict) and _safe_number(r.get("policyYear")) > 0
    }
    return len(years) >= 5 and {10, 20, 30}.issubset(years) and max(years) >= 30


def validate_formal_savings_plan(plan: dict) -> list[FormalDeckIssue]:
    """验证归一化储蓄险数据的导出就绪性。"""
    issues = []

    def err(code, msg):
        issues.append(FormalDeckIssue(code, "error", msg))

    def warn(code, msg):
        issues.append(FormalDeckIssue(code, "warn", msg))

    if not plan.get("productName"):
        err("PRODUCT_NAME_MISSING", "产品名称缺失")

    insured = plan.get("insured", {})
    if not insured.get("age"):
        err("INSURED_AGE_MISSING", "被保险人年龄缺失")

    policy = plan.get("policy", {})
    if _safe_number(policy.get("annualPremium")) <= 0:
        err("ANNUAL_PREMIUM_INVALID", "年缴保费必须大于 0")
    if _safe_number(policy.get("payYears")) <= 0:
        err("PAY_YEARS_INVALID", "缴费年期必须大于 0")

    benefit_rows = plan.get("benefitRows", [])
    if len(benefit_rows) < 20:
        if _has_sufficient_milestone_coverage(benefit_rows):
            warn(
                "BENEFIT_ROWS_MILESTONE_ONLY",
                f"利益演示仅提供里程碑年度（当前 {len(benefit_rows)} 行），已覆盖 10、20、30 年，可继续生成",
            )
        else:
            err(
                "BENEFIT_ROWS_INCOMPLETE",
                f"利益演示数据不足（当前 {len(benefit_rows)} 行，且未覆盖 10、20、30 年）",
            )
    if benefit_rows and not _is_continuous(benefit_rows):
        warn(
            "BENEFIT_ROWS_DISCONTINUOUS",
            "利益演示采用里程碑年度，保单年度不连续，请在生成前核对关键年份",
        )

    source = plan.get("source", {})
    if not source.get("pdfHash"):
        err("SOURCE_HASH_MISSING", "缺少 PDF 哈希（来源追溯）")

    if not any(r.get("sourcePage") for r in benefit_rows):
        warn("BENEFIT_SOURCE_PAGE_MISSING", "利益演示缺少来源页码")

    withdrawal_rows = plan.get("withdrawalRows", [])
    if withdrawal_rows and not _is_continuous(withdrawal_rows):
        err("WITHDRAWAL_ROWS_DISCONTINUOUS", "退保演示保单年度不连续")
    if withdrawal_rows and not any(r.get("sourcePage") for r in withdrawal_rows):
        warn("WITHDRAWAL_SOURCE_PAGE_MISSING", "退保演示缺少来源页码")
    if not withdrawal_rows:
        warn("WITHDRAWAL_ROWS_MISSING", "无退保数据（正式 PPT 将隐藏退保页面）")

    return issues


def validate_formal_ci_plan(plan: dict) -> list[FormalDeckIssue]:
    """验证归一化重疾险数据。"""
    issues = []

    def err(code, msg):
        issues.append(FormalDeckIssue(code, "error", msg))

    if not plan.get("productName"):
        err("CI_PRODUCT_NAME_MISSING", "产品名称缺失")
    if not plan.get("insured", {}).get("age"):
        err("CI_INSURED_AGE_MISSING", "被保险人年龄缺失")
    if _safe_number(plan.get("policy", {}).get("sumInsured")) <= 0:
        err("CI_SUM_INSURED_INVALID", "保额必须大于 0")
    if _safe_number(plan.get("policy", {}).get("annualPremium")) <= 0:
        err("CI_ANNUAL_PREMIUM_INVALID", "年缴保费必须大于 0")
    if _safe_number(plan.get("policy", {}).get("payYears")) <= 0:
        err("CI_PAY_YEARS_INVALID", "缴费年期必须大于 0")
    if not plan.get("coverageItems"):
        err("CI_COVERAGE_ITEMS_MISSING", "保障项目列表为空")

    return issues


def validate_formal_iul_plan(plan: dict) -> list[FormalDeckIssue]:
    """验证归一化 IUL 数据。"""
    issues = []

    def err(code, msg):
        issues.append(FormalDeckIssue(code, "error", msg))

    def warn(code, msg):
        issues.append(FormalDeckIssue(code, "warn", msg))

    if not plan.get("productName"):
        err("IUL_PRODUCT_NAME_MISSING", "产品名称缺失")
    if not plan.get("insured", {}).get("age"):
        err("IUL_INSURED_AGE_MISSING", "被保险人年龄缺失")
    if _safe_number(plan.get("policy", {}).get("sumInsured")) <= 0:
        err("IUL_SUM_INSURED_INVALID", "保额必须大于 0")
    if not plan.get("indexAccounts"):
        err("IUL_INDEX_ACCOUNT_MISSING", "指数账户配置为空")

    benefit_rows = plan.get("benefitRows", [])
    if len(benefit_rows) < 20:
        err("IUL_BENEFIT_ROWS_INCOMPLETE", f"利益演示行数不足（当前 {len(benefit_rows)} 行）")
    is_continuous = _is_continuous(benefit_rows) if benefit_rows else True
    if benefit_rows and not is_continuous:
        warn("IUL_BENEFIT_ROWS_DISCONTINUOUS", "利益演示保单年度不连续，请确认 PDF 是否只提供里程碑年度")

    source = plan.get("source", {})
    if not source.get("pdfHash"):
        err("IUL_SOURCE_HASH_MISSING", "缺少 PDF 哈希")

    if benefit_rows and not any(r.get("sourcePage") for r in benefit_rows):
        warn("IUL_SOURCE_PAGE_MISSING", "利益演示缺少来源页码")

    # 缴费年期一致性检查
    payment_period = plan.get("policy", {}).get("paymentPeriod", "")
    if benefit_rows and payment_period and is_continuous:
        # 通过数据检测实际缴费年数
        detected_years = 0
        for i in range(1, len(benefit_rows)):
            prev = _safe_number(benefit_rows[i - 1].get("totalPremiumPaid"))
            curr = _safe_number(benefit_rows[i].get("totalPremiumPaid"))
            if curr > prev:
                detected_years += 1
        # 解析声明的缴费年期
        stated_years = _extract_years(payment_period)
        if stated_years > 0 and detected_years > 0 and abs(detected_years - stated_years) > 1:
            err("IUL_PAY_TERM_MISMATCH", f"缴费年期不一致：声明 {stated_years} 年，数据检测 {detected_years} 年")

    # 年龄合理性检查
    for row in benefit_rows:
        if isinstance(row, dict):
            age = _safe_number(row.get("age"))
            if age > 0 and (age < 0 or age > 150):
                err("IUL_AGE_OUT_OF_RANGE", f"年龄超出合理范围: {age}")
                break

    return issues


def validate_savings_metrics(metrics: dict) -> list[ValidationIssue]:
    """验证储蓄险关键指标。"""
    issues = []

    if not metrics.get("productName"):
        issues.append(ValidationIssue("productName", "产品名称缺失", "error"))
    if _safe_number(metrics.get("insuredAge")) <= 0:
        issues.append(ValidationIssue("insuredAge", "被保险人年龄无效", "error"))
    if not metrics.get("currency"):
        issues.append(ValidationIssue("currency", "货币缺失", "error"))
    if _safe_number(metrics.get("annualPremium")) <= 0:
        issues.append(ValidationIssue("annualPremium", "年缴保费无效", "error"))
    if _safe_number(metrics.get("payYears")) <= 0:
        issues.append(ValidationIssue("payYears", "缴费年期无效", "error"))
    if metrics.get("multiple20") is None:
        issues.append(ValidationIssue("multiple20", "20年倍数缺失", "warn"))
    if metrics.get("multiple30") is None:
        issues.append(ValidationIssue("multiple30", "30年倍数缺失", "warn"))
    if metrics.get("breakevenYear") is None:
        issues.append(ValidationIssue("breakevenYear", "回本年度缺失", "warn"))

    return issues


def _safe_number(value) -> float:
    if value is None:
        return 0
    try:
        return float(value)
    except (ValueError, TypeError):
        return 0


def _extract_years(value) -> int:
    import re
    if value is None:
        return 0
    match = re.search(r"\d+(?:\.\d+)?", str(value))
    return int(float(match.group())) if match else 0