57 lines
2.4 KiB
Python
57 lines
2.4 KiB
Python
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"""RW-012 研判必须复核"≥ 3 倍历史均值"这条生成条件。
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docs/25 P2：扫描侧生成预警要求 `average > 0 且 amount >= average * 3`
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（`risk_scan_service.py`），而研判侧的 `_assess_rw012` 只看了年龄、金额、非常用设备，
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**完全没核均值** —— 于是达不到 3 倍的交易也会被判"证据支持风险"。
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讽刺的是它的建议文本写着"继续核实一年期历史交易均值"：作者知道该看，只是当时确实
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没有数据可看。
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根因是快照里没有均值（原先只写 `product_id` / `age` / `device_id`）。本次两侧一起改：
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扫描侧补写 `average_amount` 与 `ratio`，研判侧据此复核。
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这三个用例都停在登录记录判断**之前**，所以不必构造合法的登录证据。
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"""
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from typing import Any
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from app.service.risk_judgement_service import (
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VERDICT_CONTINUE_REVIEW,
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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_assess_rw012,
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)
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def _detail(*, ratio: str | None) -> dict[str, Any]:
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"""一条已满足年龄与金额门槛的 RW-012，ratio 由用例决定（None 表示快照里没有）。"""
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snapshot: dict[str, Any] = {} if ratio is None else {"ratio": ratio}
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return {
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"customer": {"birth_date": "1950-01-01"}, # 70 岁以上
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"transaction": {"amount": "500000", "confirmed_at": "2026-09-10T04:00:00"},
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"evidence_snapshot": snapshot,
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"login_records": [],
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}
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def test_missing_ratio_does_not_fall_through_to_risk_supported() -> None:
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"""快照里没有均值时不能顺着"非常用设备"就定案 —— 应该继续复核。"""
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result = _assess_rw012(_detail(ratio=None))
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assert VERDICT_CONTINUE_REVIEW in str(result)
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def test_ratio_below_three_is_a_false_positive() -> None:
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"""不到 3 倍均值就不满足规则的生成条件 —— 这是本次补上的判断。"""
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result = _assess_rw012(_detail(ratio="2.5"))
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assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)
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assert "2.50" in str(result)
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def test_ratio_at_or_above_three_passes_the_threshold_check() -> None:
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"""达到 3 倍时应继续往下走（本用例没有登录记录，故停在"补查登录记录"）。"""
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for ratio in ("3", "6.2"):
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result = _assess_rw012(_detail(ratio=ratio))
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assert VERDICT_CONTINUE_REVIEW in str(result), f"ratio={ratio} 不该被判成误报"
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assert VERDICT_SUSPECTED_FALSE_POSITIVE not in str(result)
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