119 lines
4.8 KiB
Python
119 lines
4.8 KiB
Python
"""PlanData v1 的结构、冲突和证据门禁。"""
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from __future__ import annotations
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from insurance.plan_data.field_values import validate_field_value
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AMOUNT_TOKENS = (
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"premium", "sumassured", "cashvalue", "surrendervalue",
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"deathbenefit", "accountvalue", "amount", "withdrawal",
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)
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# 只有核心保单金额需要在确认时提示证据缺失。利益演示、退保价值和
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# 提领方案属于可选展示数据，不参与确认门禁。
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CRITICAL_AMOUNT_PATHS = {
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"policy.annualPremium",
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"policy.sumAssured",
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}
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def validate_plan_data(plan_data: dict, *, for_confirmation: bool = False) -> dict:
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issues: list[dict] = []
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if not isinstance(plan_data, dict):
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issues.append(_issue("PLAN_DATA_INVALID", "PlanData 必须是对象", "planData"))
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return _result(issues)
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for section in ("identity", "policy", "benefitScenarios", "assumptions"):
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if section not in plan_data:
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issues.append(_issue("PLAN_SECTION_MISSING", "PlanData 分区缺失", f"planData.{section}"))
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if not isinstance(plan_data.get("identity"), dict):
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issues.append(_issue("PLAN_SECTION_INVALID", "身份信息格式无效", "planData.identity"))
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if not isinstance(plan_data.get("policy"), dict):
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issues.append(_issue("PLAN_SECTION_INVALID", "保单信息格式无效", "planData.policy"))
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if not isinstance(plan_data.get("benefitScenarios"), list):
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issues.append(_issue("PLAN_SECTION_INVALID", "利益场景格式无效", "planData.benefitScenarios"))
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field_values = list(iter_field_values(plan_data))
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for path, value in field_values:
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issues.extend(validate_field_value(value, f"planData.{path}"))
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if for_confirmation:
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issues.extend(_required_confirmation_fields(plan_data))
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for path, value in field_values:
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if value.get("status") == "conflict":
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issues.append(_issue("UNRESOLVED_CONFLICT", "字段冲突尚未解决", f"planData.{path}"))
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if _is_exported_amount(path, value) and not _has_traceable_source(value):
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issues.append(_issue(
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"CRITICAL_EVIDENCE_MISSING",
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"导出金额缺少 PDF 证据或人工覆盖原因",
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f"planData.{path}",
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severity="warning",
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))
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return _result(issues)
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def iter_field_values(value, prefix: str = ""):
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if isinstance(value, dict):
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if "status" in value and "value" in value and "evidence" in value:
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yield prefix, value
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return
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for key, item in value.items():
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child = f"{prefix}.{key}" if prefix else str(key)
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yield from iter_field_values(item, child)
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elif isinstance(value, list):
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for index, item in enumerate(value):
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child = f"{prefix}.{index}" if prefix else str(index)
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yield from iter_field_values(item, child)
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def _required_confirmation_fields(plan_data: dict) -> list[dict]:
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required = (
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("identity.insuredAge", (plan_data.get("identity") or {}).get("insuredAge")),
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("identity.insuredGender", (plan_data.get("identity") or {}).get("insuredGender")),
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("policy.currency", (plan_data.get("policy") or {}).get("currency")),
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)
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issues = []
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for path, field in required:
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if not isinstance(field, dict) or field.get("status") == "missing" or field.get("value") in (None, ""):
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issues.append(_issue("REQUIRED_FIELD_MISSING", "确认所需字段缺失", f"planData.{path}"))
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return issues
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def _is_exported_amount(path: str, field: dict) -> bool:
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if field.get("status") in {"missing", "derived"} or field.get("value") is None:
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return False
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if path not in CRITICAL_AMOUNT_PATHS:
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return False
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token = path.replace("_", "").lower()
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if any(non_amount in token for non_amount in ("period", "year", "age", "label", "source")):
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return False
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return any(item in token for item in AMOUNT_TOKENS)
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def _has_traceable_source(field: dict) -> bool:
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if field.get("status") == "confirmed" and str(field.get("overrideReason") or "").strip():
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return True
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return any(
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isinstance(item, dict)
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and item.get("documentId")
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and item.get("pageNumber")
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and item.get("bbox")
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for item in field.get("evidence") or []
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)
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def _result(issues: list[dict]) -> dict:
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blocking = sum(1 for item in issues if item.get("severity") == "error")
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warnings = sum(1 for item in issues if item.get("severity") == "warning")
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conflicts = sum(1 for item in issues if item.get("code") == "UNRESOLVED_CONFLICT")
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return {
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"blockingCount": blocking,
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"warningCount": warnings,
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"conflictCount": conflicts,
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"issues": issues,
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}
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def _issue(code: str, message: str, path: str, severity: str = "error") -> dict:
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return {"code": code, "message": message, "path": path, "severity": severity}
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