wsb1224
7a3e2870dc
海报确认、文案生成、海报生成增加服务端失败关闭门禁，绑定文件哈希、解析快照哈希和确认数据哈希，并返回 422 业务错误。[validators.py (line 65)](D:/work/code/python/coding/baodanagent/api/insurance/plan_data/validators.py:65) 缺失金额不再转换为 0；删除错误字段兜底和“年缴×年期=合同总保费”事实推导；里程碑冲突会阻断确认。[normalizer.py (line 14)](D:/work/code/python/coding/baodanagent/api/insurance/ppt/normalizer.py:14) PPT 渲染器支持可空金额和实际币种，缺失值显示“待确认”，避免 float(None)、空值除法等异常。 模板必须覆盖全部输入保司和产品；自动选择排序确定化，同优先级歧义时阻断。[template_selection.py (line 4)](D:/work/code/python/coding/baodanagent/api/insurance/ppt/template_selection.py:4) 场景判定写入 scenarioOverrideTrace，记录请求、模板、服务端及 Worker 最终判定。[routes.py (line 555)](D:/work/code/python/coding/baodanagent/api/insurance/ppt/routes.py:555) 前端增加哈希提交、人工调整原因、模板歧义提示及真实能力说明。 冻结三份核心 Schema，并建立 Goldens manifest、说明和评估脚本。 验证结果： 后端目标回归：111 passed, 1 skipped PPT 运行时回归：81 passed 前端生产构建和 vue-tsc：通过 Python compileall：通过 三份 Schema JSON：解析通过 git diff --check：通过，仅有换行符提示
489 lines
20 KiB
Python
489 lines
20 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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import math
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from typing import Optional
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def _safe_number(value) -> float:
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"""兼容旧计算路径：无效值返回 0；事实字段应使用 ``_nullable_number``。"""
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parsed = _nullable_number(value)
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return parsed if parsed is not None else 0
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def _nullable_number(value) -> Optional[float]:
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"""事实数值转换：缺失或非法返回 None，真实 0 原样保留。"""
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if value is None or isinstance(value, bool) or (isinstance(value, str) and not value.strip()):
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return None
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try:
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parsed = float(value)
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except (ValueError, TypeError):
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return None
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return parsed if math.isfinite(parsed) else None
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def _normalize_gender(raw) -> str:
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"""统一性别值为 male/female/unknown。兼容旧数据中的 男/女。"""
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if not raw:
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return "unknown"
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s = str(raw).strip().lower()
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if s in ("male", "m", "男"):
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return "male"
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if s in ("female", "f", "女"):
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return "female"
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return "unknown"
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def normalize_smoker(raw) -> str:
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"""统一吸烟状态为 yes/no/unknown。"""
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if raw is None:
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return "unknown"
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value = str(raw).strip().lower()
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if (
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value in ("no", "n", "false", "0", "否", "不吸烟", "不吸煙", "非吸烟者", "非吸煙者")
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or "non-smoker" in value
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or "non smoker" in value
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or "nonsmoker" in value
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or "不吸烟" in value
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or "不吸煙" in value
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or "非吸烟" in value
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or "非吸煙" in value
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):
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return "no"
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if (
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value in ("yes", "y", "true", "1", "是", "吸烟", "吸煙")
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or "smoker" in value
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or "吸烟" in value
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or "吸煙" in value
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):
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return "yes"
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return "unknown"
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def _normalize_currency(raw) -> Optional[str]:
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"""统一常见币种别名；未知值保持为空，避免伪造 USD。"""
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if raw is None:
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return None
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value = str(raw).strip().upper().replace(" ", "")
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aliases = {
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"US$": "USD",
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"$": "USD",
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"USB": "USD",
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"RMB": "CNY",
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"人民币": "CNY",
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"￥": "CNY",
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"¥": "CNY",
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"HK$": "HKD",
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"S$": "SGD",
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"€": "EUR",
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"£": "GBP",
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}
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normalized = aliases.get(value, value)
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return normalized if normalized in {"USD", "HKD", "CNY", "SGD", "EUR", "GBP"} else None
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def _optional_number(value):
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"""可选金额：缺失保留 None，不把未知值伪装成 0。"""
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return _nullable_number(value)
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def _first_value(mapping: dict, *keys):
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"""从 snake_case/camelCase 字段中读取第一个非空值。"""
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for key in keys:
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value = mapping.get(key)
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if value not in (None, ""):
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return value
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return None
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def _normalize_pay_years(raw) -> int:
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"""统一缴费年期为 int。兼容旧数据中的 '5年' 字符串。"""
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if raw is None:
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return 0
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if isinstance(raw, (int, float)):
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return int(raw)
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s = str(raw).strip()
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m = re.search(r'(\d+)', s)
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if m:
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return int(m.group(1))
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if "整付" in s or "趸缴" in s or "single" in s.lower():
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return 1 # 整付视为 1 年
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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 = _nullable_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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explicit_age = _nullable_number(row.get("age"))
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age = explicit_age if explicit_age is not None else (
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insured_age + policy_year - 1 if insured_age is not None else None
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)
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benefit_rows.append({
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"policyYear": int(policy_year),
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"age": int(age) if age is not None else None,
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"totalPremiumPaid": _nullable_number(row.get("total_premium_paid")),
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"guaranteedCashValue": _nullable_number(row.get("guaranteed_cash_value")),
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"reversionaryBonus": _nullable_number(row.get("reversionary_bonus")),
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"terminalDividend": _nullable_number(row.get("terminal_dividend")),
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"totalSurrenderValue": _nullable_number(row.get("total_surrender_value")),
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"deathBenefit": _nullable_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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# 归一化提领行
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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 = _nullable_number(_first_value(row, "annual_withdrawal", "withdrawal_amount"))
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total_withdrawn = _nullable_number(_first_value(row, "total_withdrawn", "cumulative_withdrawal"))
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if total_withdrawn is not None:
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cumulative = total_withdrawn
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elif annual is not None:
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cumulative += annual
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explicit_age = _nullable_number(row.get("age"))
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age = explicit_age if explicit_age is not None else (
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insured_age + policy_year if insured_age is not None else None
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)
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withdrawal_rows.append({
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"policyYear": int(policy_year),
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"age": int(age) if age is not None else None,
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"totalPremiumPaid": _nullable_number(row.get("total_premium_paid")),
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"annualWithdrawal": annual,
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"cumulativeWithdrawal": cumulative if total_withdrawn is not None or annual is not None else None,
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"surrenderValueAfter": _nullable_number(_first_value(row, "surrender_value_after", "remaining_surrender_value")),
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"guaranteedValueAfter": _nullable_number(row.get("guaranteed_value_after")),
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"basicSumInsuredAfter": _nullable_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 = _nullable_number(_first_value(policy, "annual_premium", "annualPremium"))
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pay_years = _extract_years(_first_value(policy, "premium_payment_period", "payYears", "paymentPeriod"))
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raw_product_name = _first_value(raw, "product_name", "productName") or _first_value(policy, "product_name", "productName") or ""
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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) if insured_age is not None else None,
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"gender": _normalize_gender(insured.get("gender")),
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"smoker": normalize_smoker(insured.get("smoker")),
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},
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"policy": {
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"currency": _normalize_currency(policy.get("currency")),
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"sumInsured": _nullable_number(_first_value(policy, "sum_insured", "sumInsured")),
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"annualPremium": annual_premium,
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"basicPlanAnnualPremium": _optional_number(_first_value(policy, "basic_plan_annual_premium", "basicPlanAnnualPremium")),
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"basicSumInsured": _optional_number(_first_value(policy, "basic_sum_insured", "basicSumInsured")),
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"firstYearAmountDue": _optional_number(_first_value(policy, "first_year_amount_due", "firstYearAmountDue")),
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"annualPremiumWithLevy": policy.get("total_premium_with_levy"),
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"payYears": pay_years,
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"contractualTotalPremium": _optional_number(_first_value(policy, "total_premium", "contractualTotalPremium")),
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"derivedTotalPremiumEstimate": annual_premium * pay_years if annual_premium is not None and pay_years > 0 else None,
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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 = _nullable_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": _nullable_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 = _nullable_number(row.get("death_benefit"))
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benefit_rows.append({
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"policyYear": int(policy_year),
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"totalPremiumPaid": _nullable_number(row.get("total_premium_paid")),
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"deathBenefit": death_benefit,
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"totalSurrenderValue": _nullable_number(row.get("total_surrender_value")),
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"ciBenefit": _nullable_number(row.get("ci_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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annual_premium = _nullable_number(_first_value(policy, "annual_premium", "annualPremium"))
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pay_years = _extract_years(_first_value(policy, "premium_payment_period", "payYears", "paymentPeriod"))
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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) if insured_age is not None else None,
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"gender": _normalize_gender(insured.get("gender")),
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"smoker": normalize_smoker(insured.get("smoker")),
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},
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"policy": {
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"currency": _normalize_currency(policy.get("currency")),
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"sumInsured": _nullable_number(_first_value(policy, "sum_insured", "sumInsured")),
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"baseSumInsured": base_sum_insured,
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"basicPlanAnnualPremium": _optional_number(policy.get("basic_plan_annual_premium")),
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"basicSumInsured": _optional_number(policy.get("basic_sum_insured")),
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"firstYearAmountDue": _optional_number(policy.get("first_year_amount_due")),
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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": _optional_number(_first_value(policy, "total_premium", "contractualTotalPremium")),
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"derivedTotalPremiumEstimate": annual_premium * pay_years if annual_premium is not None and pay_years > 0 else None,
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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 = _nullable_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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explicit_age = _nullable_number(row.get("age"))
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age = explicit_age if explicit_age is not None else (
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insured_age + policy_year - 1 if insured_age is not None else None
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)
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non_guaranteed_account = _nullable_number(row.get("non_guaranteed_account_value"))
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non_guaranteed_cash = _nullable_number(row.get("non_guaranteed_cash_value"))
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total_surrender = _nullable_number(_first_value(row, "total_surrender_value", "totalSurrenderValue"))
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non_guaranteed_death = _nullable_number(_first_value(row, "non_guaranteed_death_benefit", "death_benefit"))
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benefit_rows.append({
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"policyYear": int(policy_year),
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"age": int(age) if age is not None else None,
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"totalPremiumPaid": _nullable_number(row.get("total_premium_paid")),
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"guaranteedAccountValue": _nullable_number(row.get("guaranteed_account_value")),
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"guaranteedCashValue": _nullable_number(row.get("guaranteed_cash_value")),
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"nonGuaranteedAccountValue": non_guaranteed_account,
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"nonGuaranteedCashValue": non_guaranteed_cash,
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"totalSurrenderValue": total_surrender,
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"guaranteedDeathBenefit": _nullable_number(row.get("guaranteed_death_benefit")),
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"nonGuaranteedDeathBenefit": non_guaranteed_death,
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"costOfInsurance": _nullable_number(row.get("cost_of_insurance")),
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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 = _nullable_number(_first_value(policy, "annual_premium", "annualPremium"))
|
||
payment_period = _first_value(policy, "premium_payment_period", "payYears", "paymentPeriod") or ""
|
||
pay_years = _extract_years(payment_period)
|
||
|
||
return {
|
||
"kind": "iul",
|
||
"productName": _first_value(raw, "product_name", "productName") or "",
|
||
"insured": {
|
||
"name": insured.get("name") or "客户",
|
||
"age": int(insured_age) if insured_age is not None else None,
|
||
"gender": _normalize_gender(insured.get("gender")),
|
||
"smoker": normalize_smoker(insured.get("smoker")),
|
||
},
|
||
"policy": {
|
||
"currency": _normalize_currency(policy.get("currency")),
|
||
"sumInsured": _nullable_number(_first_value(policy, "sum_insured", "sumInsured")),
|
||
"initialPremium": _nullable_number(policy.get("initial_premium")),
|
||
"annualPremium": annual_premium,
|
||
"targetPremium": _optional_number(policy.get("target_premium")),
|
||
"minimumPremium": _optional_number(policy.get("minimum_premium")),
|
||
"basicPlanAnnualPremium": _optional_number(_first_value(policy, "basic_plan_annual_premium", "basicPlanAnnualPremium")),
|
||
"basicSumInsured": _optional_number(_first_value(policy, "basic_sum_insured", "basicSumInsured")),
|
||
"firstYearAmountDue": _optional_number(_first_value(policy, "first_year_amount_due", "firstYearAmountDue")),
|
||
"payYears": pay_years,
|
||
"totalPremium": _optional_number(_first_value(policy, "total_premium", "contractualTotalPremium")),
|
||
"derivedTotalPremiumEstimate": annual_premium * pay_years if annual_premium is not None and pay_years > 0 else None,
|
||
"paymentPeriod": str(payment_period),
|
||
"coveragePeriod": policy.get("coverage_period", ""),
|
||
},
|
||
"indexAccounts": index_accounts,
|
||
"benefitRows": benefit_rows,
|
||
"source": {
|
||
"pdfHash": _sha256(pdf_path),
|
||
"pdfPath": pdf_path,
|
||
"parser": parser,
|
||
},
|
||
}
|
||
|
||
|
||
def map_savings_metrics(data: dict) -> dict:
|
||
"""提取储蓄险关键指标。"""
|
||
insured = data.get("insured", {})
|
||
policy = data.get("policy", {})
|
||
benefit_rows = data.get("benefit_illustration", [])
|
||
if not isinstance(benefit_rows, list):
|
||
benefit_rows = []
|
||
|
||
annual_premium = _nullable_number(policy.get("annual_premium"))
|
||
pay_years = _extract_years(policy.get("premium_payment_period"))
|
||
total_premium = _nullable_number(_first_value(policy, "total_premium", "contractualTotalPremium"))
|
||
|
||
# 回本年度
|
||
breakeven_year = None
|
||
for row in benefit_rows:
|
||
if not isinstance(row, dict):
|
||
continue
|
||
tp = _safe_number(row.get("total_premium_paid"))
|
||
sv = _safe_number(row.get("total_surrender_value"))
|
||
if tp > 0 and sv >= tp:
|
||
breakeven_year = int(_safe_number(row.get("policy_year")))
|
||
break
|
||
|
||
# 20年/30年倍数
|
||
multiple_20 = None
|
||
multiple_30 = None
|
||
for row in benefit_rows:
|
||
if not isinstance(row, dict):
|
||
continue
|
||
py = int(_safe_number(row.get("policy_year")))
|
||
tp = _safe_number(row.get("total_premium_paid"))
|
||
sv = _safe_number(row.get("total_surrender_value"))
|
||
if py == 20 and tp > 0:
|
||
multiple_20 = round(sv / tp, 2)
|
||
if py == 30 and tp > 0:
|
||
multiple_30 = round(sv / tp, 2)
|
||
|
||
# 退保开始年度
|
||
withdraw_start_year = None
|
||
withdraw_start_age = None
|
||
for row in data.get("withdrawal_illustration", []):
|
||
if not isinstance(row, dict):
|
||
continue
|
||
if _safe_number(row.get("annual_withdrawal")) > 0:
|
||
withdraw_start_year = int(_safe_number(row.get("policy_year")))
|
||
withdraw_start_age = int(_safe_number(row.get("age")))
|
||
break
|
||
|
||
return {
|
||
"insuredName": insured.get("name") or "",
|
||
"insuredAge": int(_nullable_number(insured.get("age"))) if _nullable_number(insured.get("age")) is not None else None,
|
||
"insuredGender": insured.get("gender") or "",
|
||
"productName": data.get("product_name") or policy.get("product_name") or "",
|
||
"currency": policy.get("currency") or "",
|
||
"annualPremium": annual_premium,
|
||
"payYears": pay_years,
|
||
"totalPremium": total_premium,
|
||
"derivedTotalPremiumEstimate": annual_premium * pay_years if annual_premium is not None and pay_years > 0 else None,
|
||
"breakevenYear": breakeven_year,
|
||
"multiple20": multiple_20,
|
||
"multiple30": multiple_30,
|
||
"withdrawStartYear": withdraw_start_year,
|
||
"withdrawStartAge": withdraw_start_age,
|
||
}
|