tyapi-server/internal/domains/api/services/processors/dwbg/dwbg9fb3_ra.go

package dwbg

import (
	"math"
	"strconv"
	"strings"
)

const raScoreMax = 1000

const (
	raWeightVerify             = 0.10
	raWeightJudicialBase       = 0.50
	raWeightCreditBase         = 0.40
	raHighRiskThreshold        = 400
	raForcedFScoreCap          = 500 // 双高风险强制 F 档时，ra_score 上限（保留加权分，不置 0）
	raForcedFTotalHitThreshold = 5   // 司法 + 借贷命中总条数须超过此值才触发强制 F
	raFraudPointsPerHit        = 23  // 欺诈每命中一项扣分（非整齐倍数）

	// 司法涉诉扣分系数（件数/条数 × 系数，带非整齐上限）
	raJudicialLawsuitTotalPerCase  = 47
	raJudicialLawsuitTotalCap      = 387
	raJudicialLawsuitWeiPerCase    = 38
	raJudicialLawsuitWeiCap        = 293
	raJudicialLawsuitBeigaoPerCase = 33
	raJudicialLawsuitBeigaoCap     = 247
	raJudicialBreachPerCase        = 143
	raJudicialBreachCap            = 437
	raJudicialConsumptionPerCase   = 187
	raJudicialConsumptionCap       = 413

	// 借贷维度扣分
	raCreditOverduePoints     = 287
	raCreditSleepPoints       = 143
	raCreditPerformancePoints = 97
	raCreditProbeHitPoints    = 103
	raCreditIntentReject      = 387
	raCreditIntentReview      = 237
	raCreditIntentWeightMult  = 4 // Rule_final_weight × 4
	raCreditIntentWeightCap   = 243

	// 身份核验扣分
	raVerifyMismatchPoints = 387
	raVerifyPresenceDesc   = 73
	raVerifyPresenceStatus = 47

	xypModelScoreMin             = 350
	xypModelScoreRiskThreshold   = 650 // [350,950] 区间中位，低于此值视为高风险
	xypModelScoreRiskCapPerField = 97  // 单项上限，三项合计最高 291
)

// buildDWBG9FB3RA 构建顶层 RA 总体安全评估（千分制，分值越高越安全）
//
// 输出字段来源：
//   - ra_fraud_score    → calcRAFraudScore（辅助输出，不参与 ra_score 加权）
//   - ra_credit_score   → calcRACreditScore
//   - ra_judicial_score → calcRAJudicialScore
//   - ra_verify_score   → calcRAVerifyScore
//   - ra_score          → 本方法，身份 10% 固定 + 司法/借贷动态加权
//   - ra_level          → raLevelFromScore(ra_score)，司法+借贷双高时强制 F 档（分数仍加权，上限 500）
func buildDWBG9FB3RA(data map[string]interface{}) map[string]interface{} {
	fraudScore := calcRAFraudScore(data)
	creditScore := calcRACreditScore(data)
	judicialScore := calcRAJudicialScore(data)
	verifyScore := calcRAVerifyScore(data)

	total := calcRAWightedScore(verifyScore, judicialScore, creditScore)
	level := raLevelFromScore(total)
	if isRAForcedFGrade(data, judicialScore, creditScore) {
		level = "F"
		total = clampRAInt(total, 0, raForcedFScoreCap)
	}

	return map[string]interface{}{
		"ra_score":          total,
		"ra_level":          level,
		"ra_fraud_score":    fraudScore,
		"ra_credit_score":   creditScore,
		"ra_judicial_score": judicialScore,
		"ra_verify_score":   verifyScore,
	}
}

// calcRAWightedScore 三维度动态加权汇总（身份 10% 固定 + 司法/借贷动态 90%）
func calcRAWightedScore(verifyScore, judicialScore, creditScore int) int {
	wJudicial, wCredit := calcRADynamicWeights(judicialScore, creditScore)
	total := int(math.Round(
		float64(verifyScore)*raWeightVerify +
			float64(judicialScore)*wJudicial +
			float64(creditScore)*wCredit,
	))
	return clampRAInt(total, 0, raScoreMax)
}

// calcRADynamicWeights 按司法/借贷风险场景分配剩余 90% 权重（身份固定 10%）
func calcRADynamicWeights(judicialScore, creditScore int) (wJudicial, wCredit float64) {
	hasJudicialRisk := judicialScore < raScoreMax
	hasCreditRisk := creditScore < raScoreMax

	switch {
	case hasJudicialRisk && hasCreditRisk:
		return 0.70, 0.20
	case hasJudicialRisk:
		return 0.65, 0.25
	case hasCreditRisk:
		return 0.40, 0.50
	default:
		return raWeightJudicialBase, raWeightCreditBase
	}
}

// isRAForcedFGrade 司法 + 借贷双重高风险且命中总条数 > 5 时强制 F 档
func isRAForcedFGrade(data map[string]interface{}, judicialScore, creditScore int) bool {
	if judicialScore > raHighRiskThreshold || creditScore > raHighRiskThreshold {
		return false
	}
	totalHits := calcRAJudicialHitCount(data) + calcRACreditHitCount(data)
	return totalHits > raForcedFTotalHitThreshold
}

// calcRAJudicialHitCount 统计司法维度命中条数（涉诉件数 + 失信条数 + 限高条数）
func calcRAJudicialHitCount(data map[string]interface{}) int {
	judicial := raAsMap(data["judicial"])
	if judicial == nil {
		return 0
	}
	judicialData := raAsMap(judicial["judicial_data"])
	if judicialData == nil {
		return 0
	}

	hits := 0
	if lawsuitStat := raAsMap(judicialData["lawsuitStat"]); lawsuitStat != nil {
		for _, section := range lawsuitStat {
			sectionMap := raAsMap(section)
			if sectionMap == nil {
				continue
			}
			count := raAsMap(sectionMap["count"])
			if count == nil {
				continue
			}
			hits += raAsInt(count["count_total"])
		}
	}
	hits += len(raAsSlice(judicialData["breachCaseList"]))
	hits += len(raAsSlice(judicialData["consumptionRestrictionList"]))
	return hits
}

// calcRACreditHitCount 统计借贷维度命中条数（探针 / 意向 / 借选模型分各算 1 条）
func calcRACreditHitCount(data map[string]interface{}) int {
	hits := 0

	if probe := raAsMap(data["probe"]); probe != nil {
		if raAsString(probe["currently_overdue"]) == "1" {
			hits++
		}
		if raAsString(probe["acc_sleep"]) == "1" {
			hits++
		}
		if raAsString(probe["currently_performance"]) == "0" {
			hits++
		}
		if raAsString(probe["result_code"]) == "1" {
			hits++
		}
	}

	if intent := raAsMap(data["intent"]); intent != nil {
		switch raAsString(intent["Rule_final_decision"]) {
		case "Reject", "Review":
			hits++
		}
	}

	if rating := raAsMap(data["rating"]); rating != nil {
		for _, key := range []string{"xyp_model_score_high", "xyp_model_score_mid", "xyp_model_score_low"} {
			score := raXypModelScore(rating[key])
			if score >= xypModelScoreMin && score < xypModelScoreRiskThreshold {
				hits++
			}
		}
	}

	return hits
}

// raLevelFromScore 由 ra_score 映射等级（千分制，越高越安全，每档 100 分）
// A: 900-1000  B: 800-899  C: 700-799  D: 600-699  E: 500-599  F: 0-499
func raLevelFromScore(score int) string {
	switch {
	case score >= 900:
		return "A"
	case score >= 800:
		return "B"
	case score >= 700:
		return "C"
	case score >= 600:
		return "D"
	case score >= 500:
		return "E"
	default:
		return "F"
	}
}

// toRASafetyScore 将风险扣分转为安全分：安全分 = 1000 - 风险扣分
func toRASafetyScore(riskPoints int) int {
	return clampRAInt(raScoreMax-riskPoints, 0, raScoreMax)
}

// calcRAFraudScore 欺诈/黑名单维度安全分（来源：calcRAFraudRiskPoints）
// 统计方式：满分 1000，根据 behavior/complaint/fraud/special 风险信号扣分后取补集
func calcRAFraudScore(data map[string]interface{}) int {
	return toRASafetyScore(calcRAFraudRiskPoints(data))
}

// calcRAFraudRiskPoints 统计欺诈维度风险扣分（仅内部使用，分值越高代表越不安全）
// 每命中一项扣 raFraudPointsPerHit（23）分，多项独立累加
func calcRAFraudRiskPoints(data map[string]interface{}) int {
	hits := 0

	// 来源子字段 behavior（JRZQV0MD 行为黑名单）
	if behavior := raAsMap(data["behavior"]); behavior != nil {
		if result := raAsMap(behavior["result"]); result != nil {
			if raAsString(result["black_list"]) == "1" {
				hits++
			}
			for k, v := range result {
				if strings.HasPrefix(k, "black_tag") && raAsString(v) == "1" {
					hits++
				}
			}
		}
	}

	// 来源子字段 complaint（JRZQVT43 投诉风险筛查）
	if complaint := raAsMap(data["complaint"]); complaint != nil {
		if result := raAsMap(complaint["result"]); result != nil {
			if raAsInt(result["score"]) > 0 {
				hits++
			}
		}
	}

	// 来源子字段 fraud（JRZQV3HM 债务欺诈黑名单）
	if fraud := raAsMap(data["fraud"]); fraud != nil {
		if raAsInt(fraud["hit"]) == 1 || raAsString(fraud["hit"]) == "1" {
			hits++
		}
	}

	// 来源子字段 special（JRZQV7MD 特殊名单）
	if special := raAsMap(data["special"]); special != nil && len(special) > 0 {
		switch raAsString(special["Rule_final_decision"]) {
		case "Reject", "Review":
			hits++
		}
	}

	return clampRAInt(hits*raFraudPointsPerHit, 0, raScoreMax)
}

// calcRACreditScore 借贷/逾期维度安全分（来源：calcRACreditRiskPoints）
// 统计方式：满分 1000，根据 probe/intent/rating 风险信号扣分后取补集
func calcRACreditScore(data map[string]interface{}) int {
	return toRASafetyScore(calcRACreditRiskPoints(data))
}

// calcRACreditRiskPoints 统计借贷维度风险扣分
func calcRACreditRiskPoints(data map[string]interface{}) int {
	risk := 0

	// 来源子字段 probe（JRZQ4B6C 探针C）
	if probe := raAsMap(data["probe"]); probe != nil {
		if raAsString(probe["currently_overdue"]) == "1" {
			risk += raCreditOverduePoints
		}
		if raAsString(probe["acc_sleep"]) == "1" {
			risk += raCreditSleepPoints
		}
		if raAsString(probe["currently_performance"]) == "0" {
			risk += raCreditPerformancePoints
		}
		if raAsString(probe["result_code"]) == "1" {
			risk += raCreditProbeHitPoints
		}
	}

	// 来源子字段 intent（JRZQ3C7B 借贷意向验证）
	if intent := raAsMap(data["intent"]); intent != nil {
		switch raAsString(intent["Rule_final_decision"]) {
		case "Reject":
			risk += raCreditIntentReject
		case "Review":
			risk += raCreditIntentReview
		}
		weight := raAsInt(intent["Rule_final_weight"])
		if weight > 0 {
			risk += clampRAInt(weight*raCreditIntentWeightMult, 0, raCreditIntentWeightCap)
		}
	}

	// 来源子字段 rating（JRZQ5E9F / loanRiskTagV21 借选指数）
	if rating := raAsMap(data["rating"]); rating != nil {
		risk += calcRARatingXypModelRiskPoints(rating)
	}

	return clampRAInt(risk, 0, raScoreMax)
}

// calcRARatingXypModelRiskPoints 根据借选指数三个模型分统计风险扣分
// xyp_model_score_* 范围 [350,950]，越大逾期率越低；-1 为未命中，不参与计分
func calcRARatingXypModelRiskPoints(rating map[string]interface{}) int {
	risk := 0
	for _, key := range []string{"xyp_model_score_high", "xyp_model_score_mid", "xyp_model_score_low"} {
		score := raXypModelScore(rating[key])
		if score < xypModelScoreMin || score >= xypModelScoreRiskThreshold {
			continue
		}
		risk += clampRAInt(xypModelScoreRiskThreshold-score, 0, xypModelScoreRiskCapPerField)
	}
	return risk
}

// raXypModelScore 解析借选指数模型分，未命中（-1 / 空）返回 -1
func raXypModelScore(v interface{}) int {
	s := raAsString(v)
	if s == "" || s == "-1" {
		return -1
	}
	return raAsInt(v)
}

// calcRAJudicialScore 司法涉诉维度安全分（来源：calcRAJudicialRiskPoints）
// 统计方式：满分 1000，根据 judicial.judicial_data 涉诉统计扣分后取补集
func calcRAJudicialScore(data map[string]interface{}) int {
	return toRASafetyScore(calcRAJudicialRiskPoints(data))
}

// calcRAJudicialRiskPoints 统计司法维度风险扣分
func calcRAJudicialRiskPoints(data map[string]interface{}) int {
	risk := 0

	// 来源子字段 judicial（FLXG7E8F 个人司法数据查询）
	judicial := raAsMap(data["judicial"])
	if judicial == nil {
		return 0
	}
	judicialData := raAsMap(judicial["judicial_data"])
	if judicialData == nil {
		return 0
	}

	// lawsuitStat 下 civil/criminal/administrative/preservation 等节点累加
	if lawsuitStat := raAsMap(judicialData["lawsuitStat"]); lawsuitStat != nil {
		for _, section := range lawsuitStat {
			sectionMap := raAsMap(section)
			if sectionMap == nil {
				continue
			}
			count := raAsMap(sectionMap["count"])
			if count == nil {
				continue
			}
			risk += clampRAInt(raAsInt(count["count_total"])*raJudicialLawsuitTotalPerCase, 0, raJudicialLawsuitTotalCap)
			risk += clampRAInt(raAsInt(count["count_wei_total"])*raJudicialLawsuitWeiPerCase, 0, raJudicialLawsuitWeiCap)
			risk += clampRAInt(raAsInt(count["count_beigao"])*raJudicialLawsuitBeigaoPerCase, 0, raJudicialLawsuitBeigaoCap)
		}
	}

	risk += clampRAInt(len(raAsSlice(judicialData["breachCaseList"]))*raJudicialBreachPerCase, 0, raJudicialBreachCap)
	risk += clampRAInt(len(raAsSlice(judicialData["consumptionRestrictionList"]))*raJudicialConsumptionPerCase, 0, raJudicialConsumptionCap)

	return clampRAInt(risk, 0, raScoreMax)
}

// calcRAVerifyScore 身份/在网核验维度安全分（来源：calcRAVerifyRiskPoints）
// 统计方式：满分 1000，根据 triple/identity/presence 核验异常扣分后取补集
func calcRAVerifyScore(data map[string]interface{}) int {
	return toRASafetyScore(calcRAVerifyRiskPoints(data))
}

// calcRAVerifyRiskPoints 统计核验维度风险扣分
func calcRAVerifyRiskPoints(data map[string]interface{}) int {
	risk := 0

	// 来源子字段 triple（YYSYK9R4 三要素验证）
	if triple := raAsMap(data["triple"]); triple != nil {
		if state := raAsString(triple["state"]); state != "" && state != "1" {
			risk += raVerifyMismatchPoints
		}
	}

	// 来源子字段 identity（IVYZN2P8 二要素认证）
	if identity := raAsMap(data["identity"]); identity != nil {
		if result := raAsInt(identity["result"]); result != 0 {
			risk += raVerifyMismatchPoints
		}
	}

	// 来源子字段 presence（YYSYE7V5 在网状态）
	if presence := raAsMap(data["presence"]); presence != nil {
		desc := raAsString(presence["desc"])
		if strings.Contains(desc, "停机") || strings.Contains(desc, "销号") || strings.Contains(desc, "不在网") {
			risk += raVerifyPresenceDesc
		}
		if status := raAsInt(presence["status"]); status > 1 {
			risk += raVerifyPresenceStatus
		}
	}

	return clampRAInt(risk, 0, raScoreMax)
}

func raAsMap(v interface{}) map[string]interface{} {
	m, ok := v.(map[string]interface{})
	if !ok || m == nil {
		return nil
	}
	return m
}

func raAsSlice(v interface{}) []interface{} {
	s, ok := v.([]interface{})
	if !ok {
		return nil
	}
	return s
}

func raAsString(v interface{}) string {
	switch val := v.(type) {
	case string:
		return strings.TrimSpace(val)
	case float64:
		return strconv.FormatInt(int64(val), 10)
	case int:
		return strconv.Itoa(val)
	case int64:
		return strconv.FormatInt(val, 10)
	case bool:
		if val {
			return "1"
		}
		return "0"
	default:
		return ""
	}
}

func raAsInt(v interface{}) int {
	switch val := v.(type) {
	case int:
		return val
	case int64:
		return int(val)
	case float64:
		return int(val)
	case string:
		n, err := strconv.Atoi(strings.TrimSpace(val))
		if err == nil {
			return n
		}
	case bool:
		if val {
			return 1
		}
	}
	return 0
}

func clampRAInt(v, min, max int) int {
	if v < min {
		return min
	}
	if v > max {
		return max
	}
	return v
}