airz-uniapp/services/assessment.uts

import { getUserStorage, setUserStorage } from '@/services/storage.uts'
import { wanAmountValid, yuanToWan, wanToYuan } from './money.uts'

export type AssessmentForm = {
	name: string, idCard: string, phone: string, city: string, maritalStatus: string,
	occupation: string, company: string, monthlyIncome: string, socialSecurity: string,
	housingFund: string, house: string, car: string, savings: string, creditCard: string,
	creditLoanCount: string, totalDebtBalance: string, monthlyLoanPayment: string,
	creditCardCount: string, creditCardTotalLimit: string, creditCardUsedLimit: string,
	otherAssets: string, enterpriseName: string, businessCode: string, annualRevenue: string, operatingYears: string
}
export type SelectedDocument = { name: string, path: string }
export type DataAuthorization = { key: string, name: string, selected: boolean }

export function emptyAssessmentForm(): AssessmentForm {
	return { name: '', idCard: '', phone: '', city: '', maritalStatus: '', occupation: '', company: '', monthlyIncome: '', socialSecurity: '', housingFund: '', house: '', car: '', savings: '', creditCard: '', otherAssets: '', creditLoanCount: '', totalDebtBalance: '', monthlyLoanPayment: '', creditCardCount: '', creditCardTotalLimit: '', creditCardUsedLimit: '', enterpriseName: '', businessCode: '', annualRevenue: '', operatingYears: '' }
}
export function draftText(saved: UTSJSONObject, key: string): string {
	const value = saved[key]
	return typeof value == 'string' ? value as string : ''
}
export function activeAssessmentType(): string {
	const type = getUserStorage('assessmentActiveType')
	if (type == 'enterprise' || type == 'personal') return type as string
	const legacy = getUserStorage('assessmentDraft')
	if (legacy != null && typeof legacy == 'object' && draftText(legacy as UTSJSONObject, 'type') == 'enterprise') return 'enterprise'
	return 'personal'
}
export function loadAssessmentDraft(type: string): UTSJSONObject | null {
	const scoped = getUserStorage('assessmentDraft:' + type)
	if (scoped != null && typeof scoped == 'object') return normalizeAssessmentDraft(scoped as UTSJSONObject)
	const legacy = getUserStorage('assessmentDraft')
	if (legacy != null && typeof legacy == 'object') {
		const saved = legacy as UTSJSONObject
		if (draftText(saved, 'type') == type) return normalizeAssessmentDraft(saved)
	}
	return null
}
export function normalizeAssessmentDraft(saved: UTSJSONObject): UTSJSONObject {
	if (saved['moneyUnit'] == 'wan') return saved
	const result: UTSJSONObject = { ...saved, moneyUnit: 'wan', draftVersion: 2 }
	// 老草稿只有年营收以万元保存，其余金额均为元；只转换一次。
	const keys = ['monthlyIncome', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
	if (saved['moneyUnit'] == 'yuan') keys.push('annualRevenue')
	keys.forEach((key) => { result[key] = yuanToWan(draftText(saved, key)) })
	return result
}
export function assessmentApiPayload(saved: UTSJSONObject): UTSJSONObject {
	const normalized = normalizeAssessmentDraft(saved)
	const result: UTSJSONObject = { ...normalized, moneyUnit: 'yuan' }
	const keys = ['annualRevenue', 'monthlyIncome', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
	keys.forEach((key) => {
		const value = draftText(normalized, key)
		result[key] = value.length > 0 ? wanToYuan(value) : ''
	})
	return result
}
export function formFromDraft(saved: UTSJSONObject): AssessmentForm {
	return {
		name: draftText(saved, 'name'), idCard: draftText(saved, 'idCard'), phone: draftText(saved, 'phone'), city: draftText(saved, 'city'), maritalStatus: draftText(saved, 'maritalStatus'),
		occupation: draftText(saved, 'occupation'), company: draftText(saved, 'company'), monthlyIncome: draftText(saved, 'monthlyIncome'), socialSecurity: draftText(saved, 'socialSecurity'), housingFund: draftText(saved, 'housingFund'),
		house: ownershipFromDraft(saved, 'house'), car: ownershipFromDraft(saved, 'car'), savings: draftText(saved, 'savings'), creditCard: draftText(saved, 'creditCard'), otherAssets: draftText(saved, 'otherAssets'),
		creditLoanCount: draftText(saved, 'creditLoanCount'), totalDebtBalance: draftText(saved, 'totalDebtBalance'), monthlyLoanPayment: draftText(saved, 'monthlyLoanPayment'),
		creditCardCount: draftText(saved, 'creditCardCount'), creditCardTotalLimit: draftText(saved, 'creditCardTotalLimit'), creditCardUsedLimit: draftText(saved, 'creditCardUsedLimit'),
		enterpriseName: draftText(saved, 'enterpriseName'), businessCode: draftText(saved, 'businessCode'), annualRevenue: draftText(saved, 'annualRevenue'), operatingYears: draftText(saved, 'operatingYears')
	}
}
export function ownershipFromDraft(saved: UTSJSONObject, key: string): string {
	const value = draftText(saved, key)
	if (value == '有' || value == '无') return value
	if (value == '无房产' || value == '无车辆') return '无'
	if (['全款房产', '按揭房产', '全款车辆', '按揭车辆'].includes(value)) return '有'
	return ''
}
export function assetValidationMessage(form: AssessmentForm): string {
	const counts = [form.creditLoanCount, form.creditCardCount]
	const countLabels = ['信用贷款笔数', '银行信用卡张数']
	for (let i = 0; i < counts.length; i++) {
		if (counts[i].length > 0 && !/^[0-9]{1,4}$/.test(counts[i])) return countLabels[i] + '请输入非负整数'
	}
	const amounts = [form.totalDebtBalance, form.monthlyLoanPayment, form.creditCardTotalLimit, form.creditCardUsedLimit]
	const amountLabels = ['欠款总余额', '贷款月还款金额', '总额度', '已使用总额度']
	for (let i = 0; i < amounts.length; i++) {
		if (amounts[i].length > 0 && !wanAmountValid(amounts[i])) return amountLabels[i] + '范围为 0–99999.999999 万元，最多六位小数'
	}
	return ''
}
export function documentsFromDraft(saved: UTSJSONObject): SelectedDocument[] {
	const results: SelectedDocument[] = []
	const items = saved['documents'] as UTSJSONObject[] | null
	if (items == null) return results
	items.forEach((item) => {
		const name = draftText(item, 'name'); const path = draftText(item, 'path')
		if (name.length > 0 && path.length > 0) { const document: SelectedDocument = { name, path }; results.push(document) }
	})
	return results
}
export function saveAssessmentDraft(type: string, step: number, form: AssessmentForm, documents: SelectedDocument[], authorizations: DataAuthorization[], documentConsent: boolean, dataConsent: boolean): void {
	const files: UTSJSONObject[] = documents.map((item): UTSJSONObject => ({ name: item.name, path: item.path }))
	const grants: string[] = authorizations.filter((item) => item.selected).map((item) => item.key)
	const payload: UTSJSONObject = {
		type, step, moneyUnit: 'wan', draftVersion: 2, name: form.name, idCard: form.idCard, phone: form.phone, city: form.city, maritalStatus: form.maritalStatus,
		occupation: form.occupation, company: form.company, monthlyIncome: form.monthlyIncome, socialSecurity: form.socialSecurity, housingFund: form.housingFund,
		house: form.house, car: form.car, savings: form.savings, creditCard: form.creditCard, otherAssets: form.otherAssets,
		creditLoanCount: form.creditLoanCount, totalDebtBalance: form.totalDebtBalance, monthlyLoanPayment: form.monthlyLoanPayment,
		creditCardCount: form.creditCardCount, creditCardTotalLimit: form.creditCardTotalLimit, creditCardUsedLimit: form.creditCardUsedLimit,
		enterpriseName: form.enterpriseName, businessCode: form.businessCode, annualRevenue: form.annualRevenue, operatingYears: form.operatingYears,
		documents: files, authorizations: grants, documentConsent, dataConsent
	}
	setUserStorage('assessmentActiveType', type)
	setUserStorage('assessmentDraft:' + type, payload)
	// 保留现有提交与档案入口读取的活动草稿。
	setUserStorage('assessmentDraft', payload)
}
export function showAgreementNotice(title: string): void {
	uni.showModal({ title, content: '完整协议将在相关服务开放时提供。当前勾选仅保存您的选择，不会发起实名认证、查询外部数据或上传资料。', showCancel: false, confirmText: '我知道了' })
}

export type AssessmentProgress = { percent: number, basicDone: boolean, incomeDone: boolean, assetsDone: boolean, authorizationSelected: boolean }
export function assessmentProgress(type: string): AssessmentProgress {
	const saved = loadAssessmentDraft(type)
	if (saved == null) return { percent: 0, basicDone: false, incomeDone: false, assetsDone: false, authorizationSelected: false }
	const basic = type == 'enterprise' ? ['enterpriseName', 'businessCode', 'name', 'phone', 'city'] : ['name', 'idCard', 'phone', 'city', 'maritalStatus']
	const income = type == 'enterprise' ? ['occupation', 'operatingYears', 'annualRevenue'] : ['occupation', 'company', 'monthlyIncome', 'socialSecurity', 'housingFund']
	const assets = ['house', 'car', 'creditLoanCount', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardCount', 'creditCardTotalLimit', 'creditCardUsedLimit']
	const keys = basic.concat(income).concat(assets)
	const filled = keys.filter((key) => draftText(saved, key).trim().length > 0).length
	const grants = saved['authorizations'] as string[] | null
	return { percent: Math.round(filled / keys.length * 100), basicDone: basic.every((key) => draftText(saved, key).length > 0), incomeDone: income.every((key) => draftText(saved, key).length > 0), assetsDone: assets.every((key) => draftText(saved, key).trim().length > 0) && assetValidationMessage(formFromDraft(saved)).length == 0, authorizationSelected: documentsFromDraft(saved).length > 0 || (grants != null && grants.length > 0) }
}