358 lines
14 KiB
Python
358 lines
14 KiB
Python
"""归一化模块 — 将 LLM 提取的原始数据转为标准结构。"""
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import re
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import hashlib
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from typing import Optional
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def _safe_number(value) -> float:
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"""安全数值转换。"""
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if value is None:
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return 0
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try:
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parsed = float(value)
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return parsed if parsed == parsed else 0 # NaN check
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except (ValueError, TypeError):
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return 0
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def _extract_years(value) -> int:
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"""从字符串提取年数（如 '5年' → 5）。"""
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if value is None:
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return 0
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match = re.search(r"\d+(?:\.\d+)?", str(value))
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return int(float(match.group())) if match else 0
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def _sha256(file_path: Optional[str]) -> str:
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"""计算文件 SHA-256。"""
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if not file_path:
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return ""
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try:
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h = hashlib.sha256()
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with open(file_path, "rb") as f:
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for chunk in iter(lambda: f.read(8192), b""):
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h.update(chunk)
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return h.hexdigest()
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except Exception:
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return ""
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def normalize_savings_plan(raw: dict, pdf_path: str = None, parser: str = "llm-json") -> dict:
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"""归一化储蓄险提取数据。"""
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insured_age = _safe_number(raw.get("insured", {}).get("age"))
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insured = raw.get("insured", {})
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# 归一化利益演示行
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benefit_rows = []
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for row in raw.get("benefit_illustration", []):
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if not isinstance(row, dict):
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continue
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policy_year = _safe_number(row.get("policy_year"))
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if policy_year <= 0:
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continue
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age = _safe_number(row.get("age")) or (insured_age + policy_year)
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benefit_rows.append({
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"policyYear": int(policy_year),
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"age": int(age),
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"totalPremiumPaid": _safe_number(row.get("total_premium_paid")),
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"guaranteedCashValue": _safe_number(row.get("guaranteed_cash_value")),
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"reversionaryBonus": _safe_number(row.get("reversionary_bonus")),
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"terminalDividend": _safe_number(row.get("terminal_dividend")),
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"totalSurrenderValue": _safe_number(row.get("total_surrender_value")),
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"deathBenefit": _safe_number(row.get("death_benefit")),
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"sourcePage": int(_safe_number(row.get("source_page"))) if row.get("source_page") else None,
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})
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benefit_rows.sort(key=lambda r: r["policyYear"])
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# 归一化退保行
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cumulative = 0.0
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withdrawal_rows = []
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for row in raw.get("withdrawal_illustration", []):
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if not isinstance(row, dict):
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continue
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policy_year = _safe_number(row.get("policy_year"))
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if policy_year <= 0:
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continue
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annual = _safe_number(row.get("annual_withdrawal"))
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total_withdrawn = _safe_number(row.get("total_withdrawn") or row.get("cumulative_withdrawal"))
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cumulative = total_withdrawn if total_withdrawn > 0 else cumulative + annual
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age = _safe_number(row.get("age")) or (insured_age + policy_year)
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withdrawal_rows.append({
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"policyYear": int(policy_year),
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"age": int(age),
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"totalPremiumPaid": _safe_number(row.get("total_premium_paid")),
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"annualWithdrawal": annual,
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"cumulativeWithdrawal": cumulative,
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"surrenderValueAfter": _safe_number(row.get("surrender_value_after")),
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"guaranteedValueAfter": _safe_number(row.get("guaranteed_value_after")),
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"basicSumInsuredAfter": _safe_number(row.get("basic_sum_insured_after")),
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"sourcePage": int(_safe_number(row.get("source_page"))) if row.get("source_page") else None,
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})
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withdrawal_rows.sort(key=lambda r: r["policyYear"])
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# 保单信息
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policy = raw.get("policy", {})
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annual_premium = _safe_number(policy.get("annual_premium"))
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pay_years = _extract_years(policy.get("premium_payment_period"))
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raw_product_name = raw.get("product_name") or policy.get("product_name", "")
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return {
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"kind": "savings",
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"productName": raw_product_name,
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"rawProductName": raw_product_name,
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"insured": {
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"name": insured.get("name") or "客户",
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"age": int(insured_age),
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"gender": insured.get("gender") or "",
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},
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"policy": {
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"currency": policy.get("currency") or "USD",
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"annualPremium": annual_premium,
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"annualPremiumWithLevy": policy.get("total_premium_with_levy"),
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"payYears": pay_years,
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"contractualTotalPremium": annual_premium * pay_years,
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"coveragePeriod": policy.get("coverage_period", ""),
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},
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"benefitRows": benefit_rows,
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"withdrawalRows": withdrawal_rows,
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"withdrawalProvenance": "official_extracted" if withdrawal_rows else "missing",
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"source": {
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"pdfHash": _sha256(pdf_path),
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"pdfPath": pdf_path,
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"parser": parser,
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},
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}
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def normalize_ci_plan(raw: dict, pdf_path: str = None, parser: str = "llm-json") -> dict:
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"""归一化重疾险提取数据。"""
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insured = raw.get("insured", {})
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policy = raw.get("policy", {})
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insured_age = _safe_number(insured.get("age"))
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# 保障项目
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coverage_items = []
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for item in raw.get("coverage_items", []):
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if not isinstance(item, dict):
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continue
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name = item.get("name") or item.get("label") or ""
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coverage_items.append({
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"name": name,
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"amount": _safe_number(item.get("amount")),
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"description": item.get("description") or "",
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"sourcePage": int(_safe_number(item.get("source_page"))) if item.get("source_page") else None,
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})
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# 利益演示行
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benefit_rows = []
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for row in raw.get("benefit_illustration", []):
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if not isinstance(row, dict):
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continue
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policy_year = _safe_number(row.get("policy_year"))
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if policy_year <= 0:
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continue
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death_benefit = _safe_number(row.get("death_benefit"))
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if death_benefit == 0:
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death_benefit = _safe_number(policy.get("sum_insured"))
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benefit_rows.append({
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"policyYear": int(policy_year),
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"totalPremiumPaid": _safe_number(row.get("total_premium_paid")),
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"deathBenefit": death_benefit,
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"ciBenefit": _safe_number(row.get("ci_benefit")) if row.get("ci_benefit") else None,
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"sourcePage": int(_safe_number(row.get("source_page"))) if row.get("source_page") else None,
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})
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benefit_rows.sort(key=lambda r: r["policyYear"])
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annual_premium = _safe_number(policy.get("annual_premium"))
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pay_years = _extract_years(policy.get("premium_payment_period"))
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base_sum_insured = _safe_number(
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raw.get("base_sum_insured")
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or policy.get("basic_sum_insured")
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or policy.get("sum_insured")
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)
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return {
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"kind": "ci",
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"productName": raw.get("product_name", ""),
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"insured": {
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"name": insured.get("name") or "客户",
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"age": int(insured_age),
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"gender": insured.get("gender") or "",
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"smoker": insured.get("smoker") or "",
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},
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"policy": {
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"currency": policy.get("currency") or "USD",
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"sumInsured": _safe_number(policy.get("sum_insured")),
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"baseSumInsured": base_sum_insured,
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"upgradeBenefitAmount": _safe_number(raw.get("upgrade_benefit_amount")),
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"upgradeBenefitYears": _safe_number(raw.get("upgrade_benefit_years")),
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"annualPremium": annual_premium,
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"annualPremiumWithLevy": policy.get("total_premium_with_levy"),
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"payYears": pay_years,
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"totalPremium": annual_premium * pay_years,
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"coveragePeriod": policy.get("coverage_period", ""),
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},
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"coverageSummary": {
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"majorCiCount": int(_safe_number(raw.get("major_ci_count"))),
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"earlyCiCount": int(_safe_number(raw.get("early_ci_count"))),
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},
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"coverageItems": coverage_items,
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"icuBenefitRules": raw.get("icu_benefit_rules", []),
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"multiClaimRules": raw.get("multi_claim", []),
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"premiumWaiverRiders": raw.get("premium_waiver_riders", []),
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"benefitRows": benefit_rows,
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"source": {
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"pdfHash": _sha256(pdf_path),
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"pdfPath": pdf_path,
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"parser": parser,
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},
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}
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def normalize_iul_plan(raw: dict, pdf_path: str = None, parser: str = "llm-json") -> dict:
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"""归一化 IUL 提取数据。"""
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insured = raw.get("insured", {})
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policy = raw.get("policy", {})
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insured_age = _safe_number(insured.get("age"))
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# 指数账户
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index_accounts = []
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for acc in raw.get("index_accounts", []):
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if not isinstance(acc, dict):
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continue
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allocation = acc.get("allocation", 0)
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if isinstance(allocation, str):
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try:
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allocation = float(allocation)
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except ValueError:
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allocation = 0
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index_accounts.append({
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"name": acc.get("name", ""),
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"allocation": allocation,
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"assumedRate": acc.get("current_assumed_rate") or acc.get("current_rate") or "",
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"floorRate": acc.get("guaranteed_floor_rate") or acc.get("guaranteed_floor") or "",
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"capRate": acc.get("cap_rate") or "",
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"participationRate": acc.get("participation_rate") or "",
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})
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# 利益演示行
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benefit_rows = []
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for row in raw.get("benefit_illustration", []):
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if not isinstance(row, dict):
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continue
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policy_year = _safe_number(row.get("policy_year"))
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if policy_year <= 0:
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continue
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age = _safe_number(row.get("age")) or (insured_age + policy_year)
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# 回填非保证字段
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non_guaranteed_account = _safe_number(row.get("non_guaranteed_account_value") or row.get("account_value"))
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non_guaranteed_cash = _safe_number(row.get("non_guaranteed_cash_value") or row.get("cash_value"))
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non_guaranteed_death = _safe_number(row.get("non_guaranteed_death_benefit") or row.get("death_benefit"))
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benefit_rows.append({
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"policyYear": int(policy_year),
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"age": int(age),
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"totalPremiumPaid": _safe_number(row.get("total_premium_paid")),
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"guaranteedCashValue": _safe_number(row.get("guaranteed_cash_value")),
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"nonGuaranteedCashValue": non_guaranteed_cash,
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"guaranteedDeathBenefit": _safe_number(row.get("guaranteed_death_benefit")),
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"nonGuaranteedDeathBenefit": non_guaranteed_death,
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"sourcePage": int(_safe_number(row.get("source_page"))) if row.get("source_page") else None,
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})
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benefit_rows.sort(key=lambda r: r["policyYear"])
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annual_premium = _safe_number(policy.get("annual_premium"))
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payment_period = policy.get("premium_payment_period", "")
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return {
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"kind": "iul",
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"productName": raw.get("product_name", ""),
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"insured": {
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"name": insured.get("name") or "客户",
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"age": int(insured_age),
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"gender": insured.get("gender") or "",
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"smoker": insured.get("smoker") or "",
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},
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"policy": {
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"currency": policy.get("currency") or "USD",
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"sumInsured": _safe_number(policy.get("sum_insured")),
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"initialPremium": _safe_number(policy.get("initial_premium")),
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"annualPremium": annual_premium,
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"paymentPeriod": str(payment_period),
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"coveragePeriod": policy.get("coverage_period", ""),
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},
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"indexAccounts": index_accounts,
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"benefitRows": benefit_rows,
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"source": {
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"pdfHash": _sha256(pdf_path),
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"pdfPath": pdf_path,
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"parser": parser,
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},
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}
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def map_savings_metrics(data: dict) -> dict:
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"""提取储蓄险关键指标。"""
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insured = data.get("insured", {})
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policy = data.get("policy", {})
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benefit_rows = data.get("benefit_illustration", [])
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if not isinstance(benefit_rows, list):
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benefit_rows = []
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annual_premium = _safe_number(policy.get("annual_premium"))
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pay_years = _extract_years(policy.get("premium_payment_period"))
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total_premium = annual_premium * pay_years
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# 回本年度
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breakeven_year = None
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for row in benefit_rows:
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if not isinstance(row, dict):
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continue
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tp = _safe_number(row.get("total_premium_paid"))
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sv = _safe_number(row.get("total_surrender_value"))
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if tp > 0 and sv >= tp:
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breakeven_year = int(_safe_number(row.get("policy_year")))
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break
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# 20年/30年倍数
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multiple_20 = None
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multiple_30 = None
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for row in benefit_rows:
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if not isinstance(row, dict):
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continue
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py = int(_safe_number(row.get("policy_year")))
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tp = _safe_number(row.get("total_premium_paid"))
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sv = _safe_number(row.get("total_surrender_value"))
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if py == 20 and tp > 0:
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multiple_20 = round(sv / tp, 2)
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if py == 30 and tp > 0:
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multiple_30 = round(sv / tp, 2)
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# 退保开始年度
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withdraw_start_year = None
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withdraw_start_age = None
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for row in data.get("withdrawal_illustration", []):
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if not isinstance(row, dict):
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continue
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if _safe_number(row.get("annual_withdrawal")) > 0:
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withdraw_start_year = int(_safe_number(row.get("policy_year")))
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withdraw_start_age = int(_safe_number(row.get("age")))
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break
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return {
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"insuredName": insured.get("name") or "",
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"insuredAge": int(_safe_number(insured.get("age"))),
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"insuredGender": insured.get("gender") or "",
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"productName": data.get("product_name") or policy.get("product_name") or "",
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"currency": policy.get("currency") or "",
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"annualPremium": annual_premium,
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"payYears": pay_years,
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"totalPremium": total_premium,
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"breakevenYear": breakeven_year,
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"multiple20": multiple_20,
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"multiple30": multiple_30,
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"withdrawStartYear": withdraw_start_year,
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"withdrawStartAge": withdraw_start_age,
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}
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