airz-uniapp/services/assessment.uts

import { getSession } from './api.uts'
import { readAssessmentFlow, writeAssessmentFlow, clearAssessmentFlow } from './assessment-flow.uts'
export { clearAssessmentFlow } from './assessment-flow.uts'
import { contributionBaseVisible, contributionBaseValid, contributionBaseYuan } from './contribution.uts'
import { wanAmountValid, wanToYuan, wanToCents } from './money.uts'
import { showAgreementNotice as openAgreementNotice } from './agreements.uts'

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

export function emptyAssessmentForm(): AssessmentForm {
	return { name: '', idCard: '', phone: '', city: '', maritalStatus: '', occupation: '', company: '', monthlyIncome: '', socialSecurity: '', housingFund: '', socialSecurityBase: '', housingFundBase: '', house: '', car: '', savings: '', creditCard: '', otherAssets: '', creditLoanCount: '', loanCountScope: 'all_loans', totalDebtBalance: '', monthlyLoanPayment: '', creditCardCount: '', creditCardTotalLimit: '', creditCardUsedLimit: '', enterpriseName: '', businessCode: '', annualRevenue: '', operatingYears: '', operatingMonths: '' }
}
export function draftText(saved: UTSJSONObject, key: string): string {
	const value = saved[key]
	return typeof value == 'string' ? value as string : ''
}
function flowToken(): string { const session = getSession(); return session == null ? '' : session['token'] as string }
export function activeAssessmentType(): string {
    const current = readAssessmentFlow(flowToken())
    return current == null ? 'personal' : draftText(current, 'type')
}
export function getAssessmentInput(type: string): UTSJSONObject | null {
    const current = readAssessmentFlow(flowToken())
    return current != null && current['type'] == type ? current : null
}
export function assessmentApiPayload(saved: UTSJSONObject): UTSJSONObject {
	const normalized = 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) : ''
	})
	const baseKeys = ['socialSecurityBase', 'housingFundBase']
	baseKeys.forEach((key) => { const value = draftText(normalized, key); result[key] = value.length > 0 ? contributionBaseYuan(value) : '' })
	return result
}
export function formFromInput(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'), socialSecurityBase: draftText(saved, 'socialSecurityBase'), housingFundBase: draftText(saved, 'housingFundBase'),
		house: ownershipFromInput(saved, 'house'), car: ownershipFromInput(saved, 'car'), savings: draftText(saved, 'savings'), creditCard: draftText(saved, 'creditCard'), otherAssets: draftText(saved, 'otherAssets'),
		creditLoanCount: draftText(saved, 'creditLoanCount'), loanCountScope: draftText(saved, 'loanCountScope') == 'all_loans' ? 'all_loans' : '', 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'), operatingMonths: draftText(saved, 'operatingMonths')
	}
}
export function ownershipFromInput(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 contributionValidationMessage(form: AssessmentForm): string {
	const bases = [form.socialSecurityBase, form.housingFundBase]
	const durations = [form.socialSecurity, form.housingFund]
	const labels = ['社保', '公积金']
	for (let i = 0; i < bases.length; i++) {
		if (bases[i].length == 0) continue
		if (!contributionBaseVisible(durations[i])) return labels[i] + '基数须与缴纳情况一致'
		if (!contributionBaseValid(bases[i])) return labels[i] + '基数请输入大于 0 的万元金额，最多六位小数'
	}
	return ''
}
export function assetValidationMessage(form: AssessmentForm): string {
	const counts = [form.creditLoanCount, form.creditCardCount]
	const countLabels = ['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}$/.test(counts[i])) return countLabels[i] + '请输入非负整数'
	}
	const amounts = [form.totalDebtBalance, form.monthlyLoanPayment, form.creditCardTotalLimit, form.creditCardUsedLimit]
	const amountLabels = ['欠款总余额', '贷款月还款金额', '总额度', '已使用总额度']
	for (let i = 0; i < amounts.length; i++) {
		if (amounts[i].length > 0 && !wanAmountValid(amounts[i])) return amountLabels[i] + '范围为 0–99999.999999 万元，最多六位小数'
	}
	if (form.creditLoanCount.length > 0 && form.loanCountScope != 'all_loans') return '历史贷款笔数仅统计信用贷款，请按全部未结清贷款重新确认'
	if (form.loanCountScope == 'all_loans' && /^0{1,4}$/.test(form.creditLoanCount)
		&& [form.totalDebtBalance, form.monthlyLoanPayment].some((value) => value.length > 0 && wanToCents(value) > 0)) return '贷款笔数为 0 时，欠款总余额和贷款月还款金额不能大于 0'
	if (/^0{1,4}$/.test(form.creditCardCount)
		&& [form.creditCardTotalLimit, form.creditCardUsedLimit].some((value) => value.length > 0 && wanToCents(value) > 0)) return '信用卡张数为 0 时，总额度和已使用总额度不能大于 0'
	if (form.creditCardTotalLimit.length > 0 && form.creditCardUsedLimit.length > 0 && wanToCents(form.creditCardUsedLimit) > wanToCents(form.creditCardTotalLimit)) return '信用卡已使用额度不能大于总额度'
	return ''
}
// 仅计算空金额是否适用；不补零、不更改任何已填内容，矛盾或无效金额不豁免同组字段。
export function assetNotApplicableFields(form: AssessmentForm): string[] {
	const fields: string[] = []
	const loanAmounts = [form.totalDebtBalance, form.monthlyLoanPayment]
	if (form.loanCountScope == 'all_loans' && /^0{1,4}$/.test(form.creditLoanCount)
		&& loanAmounts.every((value) => value.length == 0 || (wanAmountValid(value) && wanToCents(value) == 0))) {
		if (form.totalDebtBalance.length == 0) fields.push('totalDebtBalance')
		if (form.monthlyLoanPayment.length == 0) fields.push('monthlyLoanPayment')
	}
	const cardAmounts = [form.creditCardTotalLimit, form.creditCardUsedLimit]
	if (/^0{1,4}$/.test(form.creditCardCount)
		&& cardAmounts.every((value) => value.length == 0 || (wanAmountValid(value) && wanToCents(value) == 0))) {
		if (form.creditCardTotalLimit.length == 0) fields.push('creditCardTotalLimit')
		if (form.creditCardUsedLimit.length == 0) fields.push('creditCardUsedLimit')
	}
	return fields
}
export function documentsFromInput(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')
		const documentId = draftText(item, 'documentId'); const consentId = draftText(item, 'consentId')
		if (name.length > 0 && (path.length > 0 || documentId.length > 0)) {
			const document: SelectedDocument = { name, path, documentId, consentId, deletePending: item.getBoolean('deletePending') ?? false }; results.push(document)
		}
	})
	return results
}
export function setAssessmentInput(type: string, step: number, form: AssessmentForm, documents: SelectedDocument[], authorizations: DataAuthorization[], documentConsent: boolean, dataConsent: boolean, editAssessmentId: string = '', baseRevisionId: string = ''): void {
	const files: UTSJSONObject[] = documents.map((item): UTSJSONObject => ({ name: item.name, path: '', documentId: item.documentId, consentId: item.consentId, deletePending: item.deletePending }))
	const grants: string[] = authorizations.filter((item) => item.selected).map((item) => item.key)
	const payload: UTSJSONObject = {
		type, step, editAssessmentId, baseRevisionId, moneyUnit: 'wan',  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, socialSecurityBase: form.socialSecurityBase, housingFundBase: form.housingFundBase,
		house: form.house, car: form.car, savings: form.savings, creditCard: form.creditCard, otherAssets: form.otherAssets,
		creditLoanCount: form.creditLoanCount, loanCountScope: form.loanCountScope, 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, operatingMonths: form.operatingMonths,
		documents: files, authorizations: grants, documentConsent, dataConsent
	}
	writeAssessmentFlow(flowToken(), payload)
}
export function showAgreementNotice(title: string): void {
	openAgreementNotice(title)
}

export type AssessmentProgress = { percent: number, basicDone: boolean, incomeDone: boolean, assetsDone: boolean, authorizationSelected: boolean }
export function assessmentProgress(type: string): AssessmentProgress {
	const saved = getAssessmentInput(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', 'operatingMonths', 'annualRevenue'] : ['occupation', 'company', 'monthlyIncome', 'socialSecurity', 'housingFund']
	const form = formFromInput(saved)
	const notApplicable = assetNotApplicableFields(form)
	const assets = ['house', 'car', 'creditLoanCount', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardCount', 'creditCardTotalLimit', 'creditCardUsedLimit'].filter((key) => !notApplicable.includes(key))
	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(form).length == 0, authorizationSelected: documentsFromInput(saved).length > 0 || (grants != null && grants.length > 0) }
}