baodan/api/insurance/plan_data/projections.py

"""Confirmed PlanData 的只读海报与 PPT 投影。"""
from __future__ import annotations


def to_poster_projection(plan_data: dict) -> dict:
    identity = plan_data.get("identity") or {}
    policy = plan_data.get("policy") or {}
    scenarios = plan_data.get("benefitScenarios") or []
    rows = _single_comparable_rows(scenarios)
    projection = {
        "plan_type": _value(identity.get("productType")),
        "product_name": _value(identity.get("productName")),
        "age": _value(identity.get("insuredAge")),
        "gender": _value(identity.get("insuredGender")),
        "currency": _value(policy.get("currency")),
        "annual_premium": _value(policy.get("annualPremium")),
        "premium_term": _value(policy.get("premiumPaymentPeriod")),
        "sum_assured": _value(policy.get("sumAssured")),
        "total_premium": _contract_value(policy.get("contractualTotalPremium")),
        "benefit_table": [_legacy_row(row) for row in rows],
        "meta": {
            "projectionVersion": "poster-projection-v1",
            "reconciliationStatus": "confirmed",
        },
    }
    by_year = {
        _value(row.get("policyYear")): _value(row.get("totalSurrenderValue"))
        for row in rows
        if _value(row.get("policyYear")) is not None
    }
    for year in (10, 20, 30):
        projection[f"surrender_value_{year}"] = by_year.get(year)
    return projection


def to_deck_contract(plan_data: dict, *, document_sha256: str | None = None) -> dict:
    identity = plan_data.get("identity") or {}
    policy = plan_data.get("policy") or {}
    scenarios = plan_data.get("benefitScenarios") or []
    comparable = len(scenarios) <= 1
    return {
        "schemaVersion": "deck-contract-v1",
        "kind": _value(identity.get("productType")),
        "productName": _value(identity.get("productName")),
        "insured": {
            "name": _value(identity.get("insuredName")),
            "age": _value(identity.get("insuredAge")),
            "gender": _value(identity.get("insuredGender")),
            "smoker": _value(identity.get("insuredSmoker")),
        },
        "policy": {
            **{key: _contract_value(value) for key, value in policy.items()},
            "currency": _value(policy.get("currency")),
            "sumInsured": _value(policy.get("sumAssured")),
            "annualPremium": _value(policy.get("annualPremium")),
            "payYears": _value(policy.get("premiumPaymentPeriod")),
            "contractualTotalPremium": _contract_value(policy.get("contractualTotalPremium")),
        },
        "benefitScenarios": scenarios,
        "benefitRows": [_deck_row(row) for row in _single_comparable_rows(scenarios)] if comparable else [],
        "withdrawalRows": [_unwrap_row(row) for row in plan_data.get("withdrawals") or []],
        "coverageItems": list(plan_data.get("riders") or []),
        "indexAccounts": list((plan_data.get("assumptions") or {}).get("indexAccounts") or []),
        "source": {"pdfHash": document_sha256 or "", "parser": "plan-data-v1"},
        "comparable": comparable,
        "nonComparableReason": None if comparable else "存在多个利益场景，需由已发布生成策略明确选择后才能比较",
        "reconciliationStatus": "confirmed",
    }


def _single_comparable_rows(scenarios: list[dict]) -> list[dict]:
    if not scenarios:
        return []
    if len(scenarios) == 1:
        return list(scenarios[0].get("rows") or [])
    base = [item for item in scenarios if item.get("scenarioType") == "base"]
    return list(base[0].get("rows") or []) if len(base) == 1 else []


def _legacy_row(row: dict) -> dict:
    return {
        "policy_year": _value(row.get("policyYear")),
        "age": _value(row.get("age")),
        "total_premium_paid": _value(row.get("totalPremiumPaid")),
        "guaranteed_cash_value": _value(row.get("guaranteedCashValue")),
        "non_guaranteed_cash_value": _value(row.get("nonGuaranteedCashValue")),
        "total_surrender_value": _value(row.get("totalSurrenderValue")),
        "death_benefit": _value(row.get("deathBenefit")),
    }


def _deck_row(row: dict) -> dict:
    return {
        **{key: _value(value) for key, value in row.items() if key != "rowVariant"},
        "policyYear": _value(row.get("policyYear")),
        "age": _value(row.get("age")),
        "totalPremiumPaid": _value(row.get("totalPremiumPaid")),
        "guaranteedCashValue": _value(row.get("guaranteedCashValue")),
        "nonGuaranteedCashValue": _value(row.get("nonGuaranteedCashValue")),
        "totalSurrenderValue": _value(row.get("totalSurrenderValue")),
        "deathBenefit": _value(row.get("deathBenefit")),
        "evidence": _row_evidence(row),
        "sourcePage": _first_evidence_page(row),
    }


def _row_evidence(row: dict) -> list[dict]:
    result = []
    for value in row.values():
        if isinstance(value, dict):
            result.extend(value.get("evidence") or [])
    return result


def _first_evidence_page(row: dict):
    evidence = _row_evidence(row)
    return evidence[0].get("pageNumber") if evidence else None


def _unwrap_row(row: dict) -> dict:
    return {key: _value(value) for key, value in row.items()}


def _value(field):
    return field.get("value") if isinstance(field, dict) else field


def _contract_value(field):
    if not isinstance(field, dict) or field.get("status") == "derived":
        return None
    return field.get("value")