"""风控事件引擎(B4 · 架构 §3.1 ④ / PRD FR-3)。 编排(网关 B5 在 core_trade 落库后**同步调用**,不用消息队列): 当日流水上下文(core_ro)→ RISK-001~005 纯函数 → AML 姓名匹配 → 预警落库 (alert_service:聚合/去重/审计/推送)→ L3 upsert(profile_l3)。 审计 pass(未命中)与命中审计均由 alert_service 完成,本层不重复落审计。 RISK-004 窗口以 trade["traded_at"] 为事件时点(非墙钟 now):rebuild_alerts 幂等重放可复现窗口判定,演示脚本不受执行时刻影响。 客户事件钩子 on_customer_created/on_customer_updated 为 FR-5 预留(本期 no-op, 模拟环境无开户流程)。 """ from __future__ import annotations from datetime import datetime, timedelta from decimal import Decimal from typing import Any from app.repository.core_ro import CoreReadOnlyRepository from app.repository.risk_repository import RiskRepository from app.service.risk.alert_service import record_aml_alert, record_trade_alerts from app.service.risk.aml_service import match_customer from app.service.risk.profile_l3 import upsert_profile_l3 from app.service.risk.rules import RiskThresholds, run_rules from app.utils.trace import ensure_trace def _as_datetime(value: Any) -> datetime: if isinstance(value, datetime): return value if isinstance(value, str): return datetime.fromisoformat(value) raise TypeError(f"traded_at must be datetime/str, got {type(value)!r}") def _normalize_trades(trades: list[dict[str, Any]]) -> list[dict[str, Any]]: """驱动差异防御:sqlite text 查询返回 str 时间,统一转 datetime(MySQL 驱动本就返回 datetime)。""" for t in trades: if isinstance(t.get("traded_at"), str): t["traded_at"] = datetime.fromisoformat(t["traded_at"]) return trades def _build_customer_context( core: CoreReadOnlyRepository, customer_id: str, day_start: datetime ) -> dict[str, Any]: """预警 payload 客户上下文(PRD FR-4:L0 事实 + 近 30 天交易统计;B4 评审 P1-1 补组装)。 display_name 为脱敏展示名口径,可直存 payload;core_cash_flow 上下文一期 未接(core_ro 无对应查询,挂账见开发计划 B4 行)。 """ l0 = core.get_customer_l0(customer_id) or {} month_ago = day_start - timedelta(days=30) day_end = day_start + timedelta(days=1) # 近 30 天含当日(本笔在内) trades_30d = core.list_trades_range(customer_id, month_ago, day_end) total = sum((Decimal(str(t["amount"])) for t in trades_30d), Decimal(0)) return { "l0": { k: l0[k] for k in ("customer_id", "display_name", "age", "risk_code") if l0.get(k) is not None }, "trades_30d": {"count": len(trades_30d), "total_amount": str(total)}, } def process_trade_event( trade: dict[str, Any], core_ro: CoreReadOnlyRepository | None = None, risk_repo: RiskRepository | None = None, thresholds: RiskThresholds | None = None, ) -> dict[str, Any]: """处理一笔已落库交易(PRD FR-1 ②③b 之后)。 返回 {"triggered_rules": [...], "alert_ids": [...], "aml_hit": bool}, 网关据此拼装响应(FR-1 ⑤:blocked=false + trade_id + 触发规则列表)。 """ core = core_ro or CoreReadOnlyRepository() repo = risk_repo or RiskRepository() th = thresholds or RiskThresholds.from_settings() ensure_trace() # 脚本/重放入口兜底归因(中间件场景保留现有 trace,评审 P3-8) event_at = _as_datetime(trade["traded_at"]) day_start = event_at.replace(hour=0, minute=0, second=0, microsecond=0) day_end = day_start + timedelta(days=1) trades = _normalize_trades( core.list_trades_range(trade["customer_id"], day_start, day_end) ) result: dict[str, Any] = {"triggered_rules": [], "alert_ids": [], "aml_hit": False} hits = run_rules(trades, th, now=event_at) if hits: alert = record_trade_alerts( trade, hits, risk_repo=repo, customer_context=_build_customer_context(core, trade["customer_id"], day_start), ) result["triggered_rules"] = sorted({h.rule_id for h in hits}) if alert: result["alert_ids"].append(alert["alert_id"]) best = max(hits, key=lambda h: h.risk_score) upsert_profile_l3( trade["customer_id"], best.alert_type, last_alert_id=alert["alert_id"] if alert else None, risk_repo=repo, ) else: # 未命中分支:pass 审计由 alert_service 统一落库(架构 §3.1 ④) record_trade_alerts(trade, [], risk_repo=repo) aml_hits = match_customer(trade["customer_id"], core_ro=core, risk_repo=repo) if aml_hits: result["aml_hit"] = True alert = record_aml_alert( trade["customer_id"], { "trigger": "trade", "trade_id": trade.get("trade_id"), "product_id": trade.get("product_id"), # 评审 P3-6:payload/审计透传 "matches": aml_hits, }, risk_repo=repo, ) result["alert_ids"].append(alert["alert_id"]) upsert_profile_l3( trade["customer_id"], "aml", last_alert_id=alert["alert_id"], risk_repo=repo ) return result def on_customer_created(customer_id: str) -> None: """AML 开户触发预留(本期 no-op;模拟环境无开户流程,PRD FR-5)。""" def on_customer_updated(customer_id: str) -> None: """客户信息变更触发预留(本期 no-op;PRD FR-5)。"""