airz-uniapp/packages/finance/services/matches.uts

import { revisionParams } from './records.uts'
import { requestJson } from '@/services/api.uts'
import { API_BASE_URL } from '@/services/config.uts'
import { yuanToWan } from '@/services/money.uts'
import { provinceOptions } from '@/services/cities.uts'

export type ProductMaterial = { name: string, note: string, required: boolean, objects: string }
export type ProductView = { logo: string, materialList: ProductMaterial[], consultPhone: string, repayment: string, channel: string, approval: string, id: string, version: number, name: string, bank: string, type: string, demo: boolean, amount: string, rate: string, term: string, objects: string, regions: string, valid: string, materials: string, source: string, sourceRef: string, checkedOn: string, conditions: string[] }
export type MatchReason = { id: string, text: string, evidence: string[], fields: string[], explanation: string }
export type MatchDetail = { assessmentId: string, revisionId: string, resultVersion: number, snapshotId: string, ruleVersion: string, orderingVersion: string, item: MatchView }
export type MatchView = { score: number | null, id: string, state: string, stateLabel: string, availability: string, availabilityLabel: string, product: ProductView, positive: MatchReason[], blocking: MatchReason[], cautions: MatchReason[], aiText: string, aiStatus: string, aiCanRetry: boolean, aiCanRequest: boolean, aiGeneratedAt: string }
export type MatchPage = { assessmentId: string, revisionId: string, resultVersion: number, snapshotId: string, ruleVersion: string, orderingVersion: string, status: string, message: string, eligible: string, ineligible: string, unknown: string, items: MatchView[], hasMore: boolean, cursor: string }

function text(data: UTSJSONObject, key: string, fallback: string = ''): string {
    const value = data.getString(key) ?? ''
    return value.length > 0 ? value : fallback
}
export function validRecordId(value: string): boolean { return /^[1-9][0-9]{0,9}$/.test(value) }
export function eligibilityLabel(value: string): string { return value == 'eligible' ? '符合已知条件' : (value == 'ineligible' ? '条件不符' : '待核实') }
export function hasProductValue(value: string): boolean { return value.trim().length > 0 && !['未提供', '待核实', '—'].includes(value.trim()) }
export function matchPercentage(state: string, score: number | null): string { return ['eligible','unknown','ineligible'].includes(state) && score != null ? score.toString() + '%' : '' }
const fieldNames: UTSJSONObject = { age: '年龄', occupation: '职业类型', employer: '单位名称', requestedAmountYuan: '融资金额', requestedTermMonths: '融资期限', applicantType: '申请主体', purposeCode: '资金用途', cityCode: '所在城市', provinceCode: '所在省份', monthlyIncome: '月收入', annualRevenue: '年营收', operatingMonths: '经营月数', totalDebtBalance: '贷款余额', monthlyLoanPayment: '每月还款额', creditLoanCount: '贷款笔数', creditCardCount: '信用卡数量', creditCardTotalLimit: '信用卡总额度', creditCardUsedLimit: '信用卡已用额度', socialSecurity: '社保情况', housingFund: '公积金情况', house: '房产情况', car: '车辆情况', establishedMonths: '企业成立月数', annualInvoiceAmount: '年开票金额', taxPaymentMonths: '连续纳税月数', taxpayerGrade: '纳税等级', enterpriseCreditStatus: '企业信用状态', annualRevenueGrowthPercent: '年营收增长率', debtRatioPercent: '负债率', cashFlowStability: '经营流水稳定性', industryCategory: '行业类别' }
const labels: UTSJSONObject = { personal: '个人', enterprise: '企业', daily_consumption: '日常消费', education: '教育进修', home_improvement: '家居装修', personal_business: '个体经营周转', working_capital: '经营周转', inventory_purchase: '采购备货', equipment_purchase: '设备购置', business_expansion: '经营扩展', other: '其他用途', none: '无', under_six_months: '不足六个月', six_months_plus: '六个月及以上', yes: '有', no: '无', normal: '正常', abnormal: '异常', stable: '稳定', unstable: '不稳定', manufacturing: '制造业', trade: '贸易', services: '服务业', construction: '建筑业', agriculture: '农业', finance: '金融业', real_estate: '房地产业', '440300': '深圳市', '440100': '广州市', '110100': '北京市', '310100': '上海市', '330100': '杭州市' }
const moneyFields = ['requestedAmountYuan','monthlyIncome','annualRevenue','totalDebtBalance','monthlyLoanPayment','creditCardTotalLimit','creditCardUsedLimit','annualInvoiceAmount']
const advisoryReasonCodes = ['AI_CONDITION_NOT_ASSESSED', 'PROFILE_DETAIL_NOT_ASSESSED']

function displayReasonText(value: string): string {
    return value.replace(/（(?:根据自填资料判断|资料尚需核验|用户自填[，、]未经核验|自填信息未经核验|产品快照)）/g, '').replace(/自填信息未经核验；本页面不承诺额度、放款或获批。/g, '结果仅供参考，不代表审批结果。').trim()
}

function valueText(value: any | null, field: string): string {
    if (value == null) return '未提供'
    const raw = value.toString()
    if (field == 'provinceCode') return provinceOptions.find((item): boolean => item.code == raw)?.name ?? '待核实'
    if (field == 'age') return raw + ' 岁'
    if (moneyFields.includes(field)) return yuanToWan(raw) + ' 万元'
    if (field == 'requestedTermMonths' || field == 'operatingMonths' || field == 'establishedMonths' || field == 'taxPaymentMonths') return raw + ' 个月'
    if (field == 'debtRatioPercent' || field == 'annualRevenueGrowthPercent') return raw + '%'
    return labels.getString(raw) ?? raw
}
function ruleText(rule: UTSJSONObject): string {
    const field = text(rule, 'field'); const op = text(rule, 'operator')
    const prefix = fieldNames.getString(field) ?? '条件'
    let expected = ''
    if (op == 'in' || op == 'between') {
        const values = rule['value'] as any[]
        expected = values.map((value: any): string => valueText(value, field)).join(op == 'between' ? ' 至 ' : '、')
    } else expected = valueText(rule['value'], field)
    const operation = op == 'gte' ? '不少于 ' : (op == 'lte' ? '不超过 ' : (op == 'in' ? '属于 ' : ''))
    return prefix + '：' + operation + expected + (text(rule, 'requiredSource') == 'verified' ? '（需核验依据）' : '')
}
function rateText(value: string): string { return value.indexOf('.') >= 0 ? value.replace(/0+$/, '').replace(/\.$/, '') : value }
function validityText(data: UTSJSONObject): string {
    const from = text(data, 'validFrom'); const until = text(data, 'validUntil')
    if (from.length == 0) return until.length == 0 ? '未设置有效期' : '有效至 ' + until
    return until.length == 0 ? from + ' 起生效' : from + ' 至 ' + until
}
function rangeText(min: string, max: string, unit: string): string {
    if (min.length == 0) return max.length == 0 ? '未提供' : '最高 ' + max + unit
    if (max.length == 0) return '最低 ' + min + unit
    return (min == max ? min : min + '–' + max) + unit
}
function productView(data: UTSJSONObject, publicMode: boolean): ProductView {
    const source = data['source'] as UTSJSONObject
    const objects = data['applicantTypes'] as string[]; const regions = data['regions'] as string[]
    const conditions: string[] = []
    if (publicMode) {
        const groups = data['rulesByApplicantType'] as UTSJSONObject
        objects.forEach((type: string) => {
            (groups[type] as UTSJSONObject[]).forEach((r: UTSJSONObject) => { conditions.push((labels.getString(type) ?? type) + ' · ' + ruleText(r)) })
        })
    } else (data['rules'] as UTSJSONObject[]).forEach((r: UTSJSONObject) => { conditions.push(ruleText(r)) })
    const rawLogo = text(data, 'bankLogo')
    const logo = /^https:\/\/[^\s<>"']+$/.test(rawLogo) ? rawLogo : (/^\/uploads\/[a-zA-Z0-9/_.-]+$/.test(rawLogo) ? API_BASE_URL.replace(/\/api\/v1\/?$/, '') + rawLogo : '')
    const materialList = ((data['materials'] as UTSJSONObject[] | null) ?? []).map((item: UTSJSONObject): ProductMaterial => {
        return { name: text(item, 'name'), note: text(item, 'note'), required: item.getBoolean('required') ?? false, objects: ((item['applicantTypes'] as string[] | null) ?? []).map((v: string): string => labels.getString(v) ?? v).join(' / ') }
    })
    const rawPhone = text(data, 'consultPhone')
    const sourceText = [text(source, 'publisher'), text(source, 'title')].filter((value: string): boolean => value.length > 0).join(' · ')
    return { logo, materialList, consultPhone: /^[+0-9][0-9 -]{4,29}$/.test(rawPhone) ? rawPhone : '', repayment: text(data, 'repaymentMethod', '未提供'), channel: text(data, 'channel', '未提供'), approval: text(data, 'approvalDuration', '未提供'), id: text(data, 'productId'), version: data.getNumber('productVersion') ?? 0, name: text(data, 'productName'), bank: text(data, 'bankName'), type: text(data, 'productType'), demo: data.getBoolean('isDemo') ?? false,
        amount: text(data, 'expectation').length > 0 ? text(data, 'expectation') : rangeText(text(data, 'amountMinYuan').length == 0 ? '' : yuanToWan(text(data, 'amountMinYuan')), text(data, 'amountMaxYuan').length == 0 ? '' : yuanToWan(text(data, 'amountMaxYuan')), ' 万元'),
        rate: rangeText(rateText(text(data, 'annualRateMinPercent')), rateText(text(data, 'annualRateMaxPercent')), '%'),
        term: text(data, 'quota').length > 0 ? text(data, 'quota') : rangeText(data.getNumber('termMinMonths')?.toString() ?? '', data.getNumber('termMaxMonths')?.toString() ?? '', ' 个月'),
        objects: objects.map((v: string): string => labels.getString(v) ?? v).join(' / '), regions: text(data, 'regionMode') == 'unverified' ? '待核实' : (regions.length == 0 ? '全国' : regions.map((v: string): string => labels.getString(v) ?? v).join('、')),
        valid: validityText(data), materials: text(data, 'information').length > 0 ? text(data, 'information') : '未提供',
        // 内部引用用于定位资料来源，不把测试环境标识当作面向用户的产品说明。
        source: sourceText.length > 0 ? sourceText : '待核实', sourceRef: text(source, 'reference').startsWith('demo:airz-') ? '产品规则档案' : text(source, 'reference', '未提供'), checkedOn: text(source, 'checkedOn', '未提供'), conditions }
}
function matchView(data: UTSJSONObject): MatchView {
    const snapshot = data['productSnapshot'] as UTSJSONObject
    const productId = text(data, 'productId'); const version = data.getNumber('productVersion') ?? 0
    if (!validRecordId(productId) || text(snapshot, 'productId') != productId || version < 1 || Math.floor(version) != version || snapshot.getNumber('productVersion') != version || !['eligible','ineligible','unknown'].includes(text(data, 'eligibility')) || !['available','unavailable','unknown'].includes(text(data, 'currentAvailability'))) throw new Error('产品冻结资料不完整，请重新加载。')
    const evidence = data['evidence'] as UTSJSONObject[]
    const ai = data['aiExplanation'] as UTSJSONObject
    const explanations = (ai['reasonExplanations'] as UTSJSONObject[] | null) ?? []
    const hiddenAdvisory = (reason: UTSJSONObject): boolean => {
        const code = text(reason, 'code')
        if (!advisoryReasonCodes.includes(code)) return false
        const refs = (reason['evidenceRefs'] as string[] | null) ?? []
        return refs.length > 0 && refs.every((ref: string): boolean => {
            const item = evidence.find((entry: UTSJSONObject): boolean => text(entry, 'evidenceId') == ref)
            if (item == null || text(item, 'reasonCode') != code || text(item, 'outcome') != 'unknown') return false
            const source = text(item, 'source')
            return code == 'AI_CONDITION_NOT_ASSESSED' ? source == 'ai_self_reported' : ['self_reported', 'product_snapshot'].includes(source)
        })
    }
    // 仅隐藏证据一致的未参与判断提示；异常记录与原始快照保持可追溯。
    const reasons = (key: string): MatchReason[] => (data[key] as UTSJSONObject[]).filter((r: UTSJSONObject): boolean => key != 'cautions' || !hiddenAdvisory(r)).map((r: UTSJSONObject): MatchReason => {
        const reasonFields: string[] = []
        const reasonText = displayReasonText(text(r, 'text'))
        const lines = ((r['evidenceRefs'] as string[] | null) ?? []).map((ref: string): string => {
            const e = evidence.find((item: UTSJSONObject): boolean => text(item, 'evidenceId') == ref)
            if (e == null) return '证据暂不可读取'
            const fields = e['fieldRefs'] as string[]; const field = fields.length > 0 ? fields[0] : ''
            fields.forEach((name: string) => { if (!reasonFields.includes(name)) reasonFields.push(name) })
            if (text(e, 'source') == 'ai_self_reported') {
                if (e['actual'] != null && (field == 'age' || fieldNames.getString(field) != null)) return (field == 'age' ? '年龄' : fieldNames.getString(field)!) + '：' + valueText(e['actual'], field)
                const names = fields.map((name: string): string => name == 'age' ? '年龄' : (fieldNames.getString(name) ?? '')).filter((name: string): boolean => name.length > 0)
                return names.length > 0 ? '关联资料：' + names.join('、') : reasonText
            }
            const source = text(e, 'source')
            const sourceNote = ['self_reported', 'product_snapshot'].includes(source) ? '' : ' · ' + (source == 'verified' ? '外部核验' : '来源未知')
            return (fieldNames.getString(field) ?? field) + '：' + valueText(e['actual'], field) + sourceNote
        })
        const explanation = explanations.find((item: UTSJSONObject): boolean => text(item, 'reasonId') == text(r, 'reasonId'))
        return { id: text(r, 'reasonId'), text: reasonText, evidence: lines, fields: reasonFields, explanation: text(ai, 'status') == 'completed' && explanation != null ? displayReasonText(text(explanation, 'text')) : '' }
    })
    const availability = text(data, 'currentAvailability')
    const score = data.getNumber('score')
    if (score != null && (Math.floor(score) != score || score < 0 || score > 100 || text(data, 'scorePolicyVersion') != 'product-soft-score-v1')) throw new Error('匹配度资料无效，请重新加载。')
    const pending = evidence.filter((item: UTSJSONObject): boolean => text(item, 'kind') == 'hard' && text(item, 'outcome') == 'unknown')
    const missingData = text(data, 'eligibility') == 'unknown' && pending.length > 0 && pending.every((item: UTSJSONObject): boolean => ['FACT_MISSING', 'AI_CONDITION_UNKNOWN'].includes(text(item, 'reasonCode')))
    return { score, id: text(data, 'productId'), state: text(data, 'eligibility'), stateLabel: missingData ? '资料不足' : eligibilityLabel(text(data, 'eligibility')), availability,
        availabilityLabel: availability == 'available' ? '当前产品可查看' : (availability == 'unavailable' ? '当前产品已下架' : '当前产品状态暂无法确认'),
        product: productView(data['productSnapshot'] as UTSJSONObject, false), positive: reasons('positiveReasons'), blocking: reasons('blockingReasons'), cautions: reasons('cautions'),
        aiText: text(ai, 'status') == 'completed' ? displayReasonText(text(ai, 'text')) : (text(ai, 'status') == 'failed' ? 'AI解释暂不可用，已保留全部规则依据。' : '当前展示规则依据，尚未生成单产品AI解释。'),
        aiStatus: text(ai, 'status'), aiCanRetry: ai.getBoolean('canRetry') ?? false, aiCanRequest: data.getBoolean('canRequestExplanation') ?? false, aiGeneratedAt: text(ai, 'generatedAt') }
}
export async function requestProductExplanation(id: string, productId: string, requestId: string, revisionId: string = ''): Promise<MatchView> {
    const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches/' + encodeURIComponent(productId) + '/explanation', 'POST', { ...revisionParams(revisionId), requestId })
    return detailRecord(data, id, productId, revisionId).item
}
export async function fetchMatchPage(id: string, group: string, cursor: string, revisionId: string = ''): Promise<MatchPage> {
    if (!['all','eligible','unknown','ineligible'].includes(group)) throw new Error('匹配分组无效，请重新选择。')
    const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches', 'GET', { ...revisionParams(revisionId), eligibility: group, limit: '3', cursor })
    const matching = data['matching'] as UTSJSONObject; const status = text(matching, 'status')
    const resolvedRevision = text(data, 'revisionId'); const version = data.getNumber('resultVersion') ?? 0
    if (!validRecordId(resolvedRevision) || (revisionId.length > 0 && resolvedRevision != revisionId) || text(data, 'assessmentId') != id || version < 1 || Math.floor(version) != version) throw new Error('匹配结果与本次评估不一致，请重新加载。')
    const items = (data['items'] as UTSJSONObject[]).map((v: UTSJSONObject): MatchView => matchView(v))
    const hasMore = data.getBoolean('hasMore') ?? false; const nextCursor = text(data, 'nextCursor')
    const ids: string[] = []
    items.forEach((item: MatchView) => { if ((group != 'all' && item.state != group) || ids.includes(item.id)) throw new Error('匹配分组或产品编号不一致，请重新加载。'); ids.push(item.id) })
    if (!['completed','unavailable'].includes(status) || items.length > 3 || (hasMore && (items.length == 0 || nextCursor.length == 0)) || (!hasMore && nextCursor.length > 0) || (status == 'unavailable' && (items.length > 0 || hasMore))) throw new Error('匹配分页状态不完整，请重新加载。')
    if (status == 'completed') {
        if (text(matching, 'catalogSnapshotId').length == 0 || text(matching, 'ruleVersion').length == 0 || text(matching, 'orderingPolicyVersion').length == 0) throw new Error('匹配快照版本不完整，请重新加载。')
        const countKeys = ['candidateCount','ineligibleCount','unknownCount']
        countKeys.forEach((key: string) => { const value = matching.getNumber(key); if (value == null || value < 0 || Math.floor(value) != value) throw new Error('匹配统计不完整，请重新加载。') })
    }
    const reason = text(matching, 'reasonCode')
    const count = (key: string): string => { const v = matching.getNumber(key); return v == null ? '—' : v.toString() }
    const message = status == 'completed' ? (group == 'all' ? '优先展示符合条件的产品，其次为待核实、条件不符的产品。' : (text(matching, 'orderingPolicyVersion') == 'product-score-descending-v1' ? '按本次条件匹配度排序，匹配度不代表获批概率。' : '按本次评估时的产品条件判断，展示顺序不代表优劣。')) : (reason == 'LEGACY_INPUT' ? '旧版报告未执行产品匹配，可重新评估获取新的结果。' : (reason == 'MATCH_RULES_UNPUBLISHED' ? '本次评估尚未启用产品匹配规则。' : '本次评估没有可用产品目录，未执行产品匹配。'))
    return { assessmentId: id, revisionId: resolvedRevision, resultVersion: version, snapshotId: text(matching, 'catalogSnapshotId'), ruleVersion: text(matching, 'ruleVersion'), orderingVersion: text(matching, 'orderingPolicyVersion'), status, message, eligible: count('candidateCount'), ineligible: count('ineligibleCount'), unknown: count('unknownCount'), items, hasMore, cursor: nextCursor }
}
export async function fetchMatchDetail(id: string, productId: string, revisionId: string = ''): Promise<MatchView> {
    return (await fetchMatchDetailRecord(id, productId, revisionId)).item
}
export async function fetchMatchDetailRecord(id: string, productId: string, revisionId: string = ''): Promise<MatchDetail> {
    const data = await requestJson('/assessments/' + encodeURIComponent(id) + '/matches/' + encodeURIComponent(productId), 'GET', revisionParams(revisionId))
    return detailRecord(data, id, productId, revisionId)
}
function detailRecord(data: UTSJSONObject, id: string, productId: string, revisionId: string): MatchDetail {
    const matching = data['matching'] as UTSJSONObject
    const item = matchView(data['item'] as UTSJSONObject)
    const version = data.getNumber('resultVersion') ?? 0
    const snapshotId = text(matching, 'catalogSnapshotId')
    // URL只表达选择意图；读取后再次检查归属和冻结版本，不能用公共资料补齐失败列。
    if (!validRecordId(text(data, 'revisionId')) || (revisionId.length > 0 && text(data, 'revisionId') != revisionId) || text(data, 'assessmentId') != id || item.id != productId || item.product.id != productId || version < 1 || Math.floor(version) != version || snapshotId.length == 0 || text(matching, 'ruleVersion').length == 0 || text(matching, 'orderingPolicyVersion').length == 0 || text(matching, 'status') != 'completed') throw new Error('产品不属于本次冻结匹配结果，请返回重新选择。')
    return { assessmentId: id, revisionId: text(data, 'revisionId'), resultVersion: version, snapshotId, ruleVersion: text(matching, 'ruleVersion'), orderingVersion: text(matching, 'orderingPolicyVersion'), item }
}
export async function fetchPublicProduct(id: string): Promise<ProductView> {
    const result = productView(await requestJson('/products/' + encodeURIComponent(id), 'GET', new UTSJSONObject()), true)
    if (result.id != id || result.version < 1 || Math.floor(result.version) != result.version) throw new Error('产品资料与所选产品不一致，请重新加载。')
    return result
}