120 lines
5.8 KiB
Python
120 lines
5.8 KiB
Python
"""适当性校验服务（R-02 · 全系统唯一阻断点 · main 矩阵契约）。
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AL-05 对齐 main 基准（2026-09-07）：
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- 判定内核由「SUIT-001~008 纯函数矩阵」整体替换为 main 的
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``CoreReadOnlyRepository.check_suitability``（C×R 数据驱动，L0 权威 =
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jinrong_core.core_suitability_rule）；check_core / cap_by_age /
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match_by_matrix / is_assessment_valid 删除（SUIT-006 封顶被 FM-01 网点确认
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替换；SUIT-008 被 FM-03 expires_at 数据驱动替换，settings.risk_assessment_valid_days
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退役）。
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- 返回 SuitabilityResult 扩展 main 新契约字段（match_result 五值 / mismatch_type
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七值 / requires_disclosure / needs_branch_confirm / block_response_code /
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rule_refs）；同时保留旧字段供既有调用方零改动读取：
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- ``rule_id`` = block_response_code（机器码别名，SUIT-00n 体系退役后的过渡口）；
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正式规则依据请读 ``rule_refs``（JR-AST-012 / FM-01 / FM-03 / JR-AST-PRO）。
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- ``effective_level`` = customer_level（SUIT-006 封顶退役后二者恒等）。
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- ``reasons`` = [reason]（main 契约单条对人可读原因）。
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- NotFound 语义变更：客户/产品缺失不再抛 NotFoundError，返回 forbidden/not_found
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结构（main 契约）。
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- 落库走 ``app/model/suitability.build_suitability_log_row`` 统一映射；
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check_source 参数化（网关 r02_trade / 对话 Tool r02_chat / C-11 询问
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c11_inquiry / 人工 manual），actor_id 由调用方透传。
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- 数据归属校验（G-01）在 FastAPI 依赖层完成，本服务不做。
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"""
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from __future__ import annotations
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from dataclasses import dataclass, field
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from typing import Any
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from app.model.suitability import CheckSource, build_suitability_log_row, compute_rule_refs
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from app.repository.core_ro import CoreReadOnlyRepository
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from app.repository.risk_repository import RiskRepository
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from app.utils.trace import current_trace, new_trace
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@dataclass(frozen=True)
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class SuitabilityResult:
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"""R-02 判定结果（main 契约字段 + 旧字段兼容层）。"""
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# ---- main 新契约 ----
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match_result: str # allowed / allowed_with_disclosure / forbidden / risk_expired / professional_exempt
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mismatch_type: str # none / risk_level / risk_expired / age_branch_confirm / min_subscribe / not_found / professional_exempt
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is_matched: bool
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blocked: bool
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requires_disclosure: bool = False
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needs_branch_confirm: bool = False # FM-01 年龄≥70 买 R3+
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block_reason: str = "" # 对人可读原因（= reason）
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block_response_code: str = "" # API 机器码，如 SUIT_RISK_MISMATCH
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rule_refs: list[str] = field(default_factory=list) # ["JR-AST-012","FM-03",...]
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investor_category: str = "ordinary"
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# ---- 兼容旧调用方（语义映射，见 module docstring） ----
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customer_level: str = "" # 原测评等级（= check.customer_risk_code）
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product_level: str = "" # 产品最低适配等级（= check.product_risk_code）
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effective_level: str = "" # SUIT-006 退役后恒 = customer_level
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reasons: list[str] = field(default_factory=list) # = [reason]
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rule_id: str = "" # = block_response_code（机器码别名；SUIT-00n 退役）
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@classmethod
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def from_check(cls, check: dict[str, Any]) -> "SuitabilityResult":
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"""core_ro.check_suitability 结果 → SuitabilityResult（含兼容映射）。"""
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reason = check.get("reason") or ""
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code = check.get("block_response_code") or ""
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customer_level = check.get("customer_risk_code") or ""
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return cls(
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match_result=check.get("match_result") or "forbidden",
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mismatch_type=check.get("mismatch_type") or "not_found",
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is_matched=bool(check.get("matched")),
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blocked=bool(check.get("blocked")),
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requires_disclosure=bool(check.get("requires_disclosure")),
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needs_branch_confirm=bool(check.get("needs_branch_confirm")),
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block_reason=reason,
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block_response_code=code,
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rule_refs=compute_rule_refs(check),
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investor_category=check.get("investor_category") or "ordinary",
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customer_level=customer_level,
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product_level=check.get("product_risk_code") or "",
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effective_level=customer_level,
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reasons=[reason] if reason else [],
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rule_id=code,
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)
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def suitability_check(
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customer_id: str,
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product_id: str,
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core_ro: CoreReadOnlyRepository | None = None,
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risk_repo: RiskRepository | None = None,
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check_source: CheckSource = "r02_trade",
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actor_id: str | None = None,
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request_ref: str | None = None,
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) -> SuitabilityResult:
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"""服务入口：core_ro.check_suitability 矩阵判定 → 落 risk_suitability_log（每次校验必落）。
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- 签名兼容：前五参位置调用（trade_gateway / risk.py / chat_tools）不受影响；
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valid_days / today 参数随 SUIT-008 退役删除（有效期改由
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core_customer_risk.expires_at 数据驱动）。
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- NotFound：客户/产品缺失返回 forbidden/not_found 结构，不再抛异常。
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- check_source：网关 r02_trade / 对话 Tool r02_chat / C-11 c11_inquiry /
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manual；actor_id 由调用方透传（网关 "svc-trade-suitability"，直调 API 传
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auth.actor_id），缺省 "SYSTEM"。
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- 阻断时的预警单由调用方（交易网关 FR-1）生成，本函数只落校验日志。
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"""
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core = core_ro or CoreReadOnlyRepository()
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repo = risk_repo or RiskRepository()
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check = core.check_suitability(customer_id, product_id)
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result = SuitabilityResult.from_check(check)
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row = build_suitability_log_row(
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check,
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trace_id=current_trace() or new_trace(),
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actor_id=actor_id or "SYSTEM",
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check_source=check_source,
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request_ref=request_ref,
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profile_l1_version=None,
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)
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repo.insert_suitability_log(row)
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return result
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