f
This commit is contained in:
@@ -109,7 +109,7 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
{
|
||||
apiCode: "FLXG8B4D",
|
||||
params: map[string]interface{}{
|
||||
"mobile_no": params.MobileNo,
|
||||
"mobile_no": params.MobileNo,
|
||||
"authorized": "1",
|
||||
},
|
||||
},
|
||||
@@ -117,9 +117,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
{
|
||||
apiCode: "JRZQ8A2D",
|
||||
params: map[string]interface{}{
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"authorized": "1",
|
||||
},
|
||||
},
|
||||
@@ -127,9 +127,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
{
|
||||
apiCode: "JRZQ1D09",
|
||||
params: map[string]interface{}{
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"authorized": "1",
|
||||
},
|
||||
},
|
||||
@@ -155,9 +155,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
{
|
||||
apiCode: "JRZQ5E9F",
|
||||
params: map[string]interface{}{
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"mobile_no": params.MobileNo,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"authorized": "1",
|
||||
},
|
||||
},
|
||||
@@ -165,8 +165,8 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
{
|
||||
apiCode: "FLXGDEA9",
|
||||
params: map[string]interface{}{
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"id_card": params.IDCard,
|
||||
"name": params.Name,
|
||||
"authorized": "1",
|
||||
},
|
||||
},
|
||||
@@ -211,7 +211,7 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
|
||||
}()
|
||||
|
||||
paramsBytes, err := json.Marshal(ac.params)
|
||||
if err != nil {
|
||||
if err != nil {
|
||||
log.Warn("序列化API参数失败",
|
||||
zap.String("api_code", ac.apiCode),
|
||||
zap.Error(err),
|
||||
@@ -266,7 +266,7 @@ func callProcessor(ctx context.Context, apiCode string, params []byte, deps *pro
|
||||
return nil, fmt.Errorf("未找到处理器: %s", apiCode)
|
||||
}
|
||||
respBytes, err := processor(ctx, params, deps)
|
||||
if err != nil {
|
||||
if err != nil {
|
||||
return nil, err
|
||||
}
|
||||
var data interface{}
|
||||
@@ -387,7 +387,7 @@ func buildBaseInfo(apiData map[string]interface{}, params dto.DWBG8B4DReq, log *
|
||||
// 从运营商三要素获取户籍所在地(address字段)
|
||||
if address, ok := yysyMap["address"].(string); ok && address != "" {
|
||||
baseInfo["location"] = address
|
||||
} else {
|
||||
} else {
|
||||
// 如果address不存在,尝试从身份证号获取
|
||||
if location := getLocationFromIDCard(params.IDCard); location != "" {
|
||||
baseInfo["location"] = location
|
||||
@@ -496,7 +496,7 @@ func buildStandLiveInfo(apiData map[string]interface{}, log *zap.Logger) map[str
|
||||
}
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
if status != "" {
|
||||
// "一致" -> "0", "不一致" -> "1"
|
||||
if status == "一致" {
|
||||
@@ -629,7 +629,7 @@ func buildVerifyRule(apiData map[string]interface{}, log *zap.Logger) string {
|
||||
// buildFraudRule 构建反欺诈规则(综合考虑fraudScore、特殊名单和借选指数风险)
|
||||
func buildFraudRule(apiData map[string]interface{}, log *zap.Logger) string {
|
||||
fraudScore := getFraudScore(apiData)
|
||||
|
||||
|
||||
// 如果fraudScore无效,检查特殊名单和借选指数
|
||||
if fraudScore == -1 {
|
||||
// 检查特殊名单
|
||||
@@ -654,7 +654,7 @@ func buildFraudRule(apiData map[string]interface{}, log *zap.Logger) string {
|
||||
}
|
||||
return "低风险"
|
||||
}
|
||||
|
||||
|
||||
// 根据fraudScore判断风险等级
|
||||
if fraudScore >= 80 {
|
||||
return "高风险"
|
||||
@@ -1039,13 +1039,13 @@ func buildRiskWarning(apiData map[string]interface{}, log *zap.Logger) map[strin
|
||||
if variableValue, ok := variable["variableValue"].(map[string]interface{}); ok {
|
||||
// 检查近期申请频率(近7天、近15天、近1个月)
|
||||
checkRecentApplicationFrequency(variableValue, &riskWarning)
|
||||
|
||||
|
||||
// 检查银行/非银申请次数
|
||||
checkBankApplicationFrequency(variableValue, &riskWarning)
|
||||
|
||||
|
||||
// 检查偿债压力(从借选指数评估获取)
|
||||
checkDebtPressure(apiData, &riskWarning)
|
||||
|
||||
|
||||
// 计算借贷评估风险计数
|
||||
calculateLoanRiskCounts(variableValue, &riskWarning)
|
||||
}
|
||||
@@ -1152,21 +1152,21 @@ func buildRiskWarning(apiData map[string]interface{}, log *zap.Logger) map[strin
|
||||
// 计算总风险点数量(排除Counts字段和level字段)
|
||||
totalRiskCounts := 0
|
||||
excludeFields := map[string]bool{
|
||||
"totalRiskCounts": true,
|
||||
"totalRiskCounts": true,
|
||||
"level": true,
|
||||
"sfhyfxRiskCounts": true,
|
||||
"sfhyfxRiskHighCounts": true,
|
||||
"sfhyfxRiskMiddleCounts": true,
|
||||
"gazdyrhyRiskCounts": true,
|
||||
"sfhyfxRiskCounts": true,
|
||||
"sfhyfxRiskHighCounts": true,
|
||||
"sfhyfxRiskMiddleCounts": true,
|
||||
"gazdyrhyRiskCounts": true,
|
||||
"gazdyrhyRiskHighCounts": true,
|
||||
"gazdyrhyRiskMiddleCounts": true,
|
||||
"yqfxRiskCounts": true,
|
||||
"yqfxRiskHighCounts": true,
|
||||
"yqfxRiskMiddleCounts": true,
|
||||
"zlfxpgRiskCounts": true,
|
||||
"zlfxpgRiskHighCounts": true,
|
||||
"zlfxpgRiskMiddleCounts": true,
|
||||
"jdpgRiskCounts": true,
|
||||
"yqfxRiskCounts": true,
|
||||
"yqfxRiskHighCounts": true,
|
||||
"yqfxRiskMiddleCounts": true,
|
||||
"zlfxpgRiskCounts": true,
|
||||
"zlfxpgRiskHighCounts": true,
|
||||
"zlfxpgRiskMiddleCounts": true,
|
||||
"jdpgRiskCounts": true,
|
||||
"jdpgRiskHighCounts": true,
|
||||
"jdpgRiskMiddleCounts": true,
|
||||
"idCardRiskCounts": true,
|
||||
@@ -1277,7 +1277,7 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
|
||||
}
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
if status != "" {
|
||||
if status == "一致" {
|
||||
detail["sfzeysFlag"] = 2 // 低风险
|
||||
@@ -1313,7 +1313,7 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
|
||||
}
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
if status != "" {
|
||||
personCheckDetails["result"] = status
|
||||
}
|
||||
@@ -1365,7 +1365,7 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
|
||||
// 如果没有data字段,直接使用flxgMap(新格式)
|
||||
data = flxgMap
|
||||
}
|
||||
|
||||
|
||||
if moneyLaundering, ok := data["moneyLaundering"].(string); ok {
|
||||
antiFraudInfo["moneyLaundering"] = moneyLaundering
|
||||
}
|
||||
@@ -1448,7 +1448,7 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
|
||||
if channel, ok := yysy4b21Map["channel"].(string); ok {
|
||||
phoneVailRisks["phoneCompany"] = convertChannelName(channel)
|
||||
}
|
||||
|
||||
|
||||
// 获取在网时长(status=0时也要提取)
|
||||
if yysy8b1cData != nil {
|
||||
if yysy8b1cMap, ok := yysy8b1cData.(map[string]interface{}); ok {
|
||||
@@ -1471,11 +1471,11 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
|
||||
// 身份证号手机号归属地(belongRiskFlag 和 belongRisks)
|
||||
belongRisks := make(map[string]interface{})
|
||||
belongRisks["num"] = "1"
|
||||
|
||||
|
||||
// 重新获取数据
|
||||
yysy9e4aDataForBelong := getMapValue(apiData, "YYSY9E4A")
|
||||
yysyDataForBelong := getMapValue(apiData, "YYSYH6D2")
|
||||
|
||||
|
||||
if yysy9e4aDataForBelong != nil && yysyDataForBelong != nil {
|
||||
if yysy9e4aMap, ok := yysy9e4aDataForBelong.(map[string]interface{}); ok {
|
||||
if yysyMapForBelong, ok := yysyDataForBelong.(map[string]interface{}); ok {
|
||||
@@ -1621,7 +1621,7 @@ func buildRiskSupervision(apiData map[string]interface{}, log *zap.Logger) map[s
|
||||
|
||||
// 从3C租赁申请意向获取数据
|
||||
jrzq1d09Data := getMapValue(apiData, "JRZQ1D09")
|
||||
|
||||
|
||||
// 设置默认值
|
||||
riskSupervision["rentalRiskListIdCardRelationsPhones"] = 0
|
||||
riskSupervision["rentalRiskListPhoneRelationsIdCards"] = 0
|
||||
@@ -1896,15 +1896,15 @@ func buildOverdueRiskProduct(apiData map[string]interface{}, log *zap.Logger) ma
|
||||
|
||||
// 判断风险标识
|
||||
hasOverdue := overdueRiskProduct["hasUnsettledOverdue"] == "逾期"
|
||||
hasRecentOverdue := overdueRiskProduct["overdueLast7Days"] == "逾期" ||
|
||||
overdueRiskProduct["overdueLast14Days"] == "逾期" ||
|
||||
hasRecentOverdue := overdueRiskProduct["overdueLast7Days"] == "逾期" ||
|
||||
overdueRiskProduct["overdueLast14Days"] == "逾期" ||
|
||||
overdueRiskProduct["overdueLast30Days"] == "逾期"
|
||||
|
||||
|
||||
if hasOverdue || hasRecentOverdue {
|
||||
overdueRiskProduct["lyjlhyFlag"] = 1 // 高风险
|
||||
overdueRiskProduct["lyjlhyFlag"] = 1 // 高风险
|
||||
overdueRiskProduct["dkzhktjFlag"] = 1 // 高风险
|
||||
} else {
|
||||
overdueRiskProduct["lyjlhyFlag"] = 2 // 低风险
|
||||
overdueRiskProduct["lyjlhyFlag"] = 2 // 低风险
|
||||
overdueRiskProduct["dkzhktjFlag"] = 2 // 低风险
|
||||
}
|
||||
}
|
||||
@@ -2028,7 +2028,7 @@ func buildMultCourtInfo(apiData map[string]interface{}, log *zap.Logger) map[str
|
||||
if lawsuitStat, ok := judicialData["lawsuitStat"].(map[string]interface{}); ok {
|
||||
// 收集所有涉案公告案件(民事、刑事、行政、保全、破产)- 都归到legalCases
|
||||
legalCases := make([]interface{}, 0)
|
||||
|
||||
|
||||
// 处理民事案件(civil)- 结构:civil.cases[]
|
||||
if civilVal, exists := lawsuitStat["civil"]; exists && civilVal != nil {
|
||||
if civil, ok := civilVal.(map[string]interface{}); ok && len(civil) > 0 {
|
||||
@@ -2178,7 +2178,7 @@ func buildMultCourtInfo(apiData map[string]interface{}, log *zap.Logger) map[str
|
||||
// convertCivilCase 转换民事案件
|
||||
func convertCivilCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2259,7 +2259,7 @@ func convertCivilCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
// convertExecutionCase 转换执行案件
|
||||
func convertExecutionCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2393,7 +2393,7 @@ func convertExecutionCase(caseMap map[string]interface{}) map[string]interface{}
|
||||
// convertBreachCase 转换失信案件
|
||||
func convertBreachCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if caseNumber, ok := caseMap["caseNumber"].(string); ok {
|
||||
caseInfo["caseNumber"] = caseNumber
|
||||
@@ -2470,7 +2470,7 @@ func convertBreachCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
// convertLimitCase 转换限高案件
|
||||
func convertLimitCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if caseNumber, ok := caseMap["caseNumber"].(string); ok {
|
||||
caseInfo["caseNumber"] = caseNumber
|
||||
@@ -2513,7 +2513,7 @@ func convertLimitCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
// convertPreservationCase 转换保全审查案件
|
||||
func convertPreservationCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2607,7 +2607,7 @@ func convertPreservationCase(caseMap map[string]interface{}) map[string]interfac
|
||||
// convertCriminalCase 转换刑事案件
|
||||
func convertCriminalCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2689,7 +2689,7 @@ func convertCriminalCase(caseMap map[string]interface{}) map[string]interface{}
|
||||
// convertAdministrativeCase 转换行政案件
|
||||
func convertAdministrativeCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2772,7 +2772,7 @@ func convertAdministrativeCase(caseMap map[string]interface{}) map[string]interf
|
||||
// convertBankruptCase 转换破产清算案件
|
||||
func convertBankruptCase(caseMap map[string]interface{}) map[string]interface{} {
|
||||
caseInfo := make(map[string]interface{})
|
||||
|
||||
|
||||
// 案号
|
||||
if cAh, ok := caseMap["c_ah"].(string); ok {
|
||||
caseInfo["caseNumber"] = cAh
|
||||
@@ -2919,11 +2919,11 @@ func buildOrganLoanPerformances(variableValue map[string]interface{}) []interfac
|
||||
|
||||
// 时间周期映射
|
||||
periodMap := map[string]string{
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last12Month": "m12",
|
||||
}
|
||||
|
||||
@@ -2983,11 +2983,11 @@ func buildCustomerLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
}
|
||||
|
||||
periodMap := map[string]string{
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last12Month": "m12",
|
||||
}
|
||||
|
||||
@@ -3001,7 +3001,7 @@ func buildCustomerLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
cellOrgnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_orgnum", apiPeriod, customerType.prefix))
|
||||
idAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_%s_allnum", apiPeriod, customerType.prefix))
|
||||
cellAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_allnum", apiPeriod, customerType.prefix))
|
||||
|
||||
|
||||
if idOrgnum == "" {
|
||||
idOrgnum = "0"
|
||||
}
|
||||
@@ -3014,7 +3014,7 @@ func buildCustomerLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
if cellAllnum == "" {
|
||||
cellAllnum = "0"
|
||||
}
|
||||
|
||||
|
||||
perf[period] = fmt.Sprintf("%s/%s", idOrgnum, cellOrgnum)
|
||||
perf[period+"Count"] = fmt.Sprintf("%s/%s", idAllnum, cellAllnum)
|
||||
}
|
||||
@@ -3043,11 +3043,11 @@ func buildBusinessLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
}
|
||||
|
||||
periodMap := map[string]string{
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last12Month": "m12",
|
||||
}
|
||||
|
||||
@@ -3061,7 +3061,7 @@ func buildBusinessLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
cellOrgnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_orgnum", apiPeriod, businessType.prefix))
|
||||
idAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_%s_allnum", apiPeriod, businessType.prefix))
|
||||
cellAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_allnum", apiPeriod, businessType.prefix))
|
||||
|
||||
|
||||
if idOrgnum == "" {
|
||||
idOrgnum = "0"
|
||||
}
|
||||
@@ -3074,7 +3074,7 @@ func buildBusinessLoanPerformances(variableValue map[string]interface{}) []inter
|
||||
if cellAllnum == "" {
|
||||
cellAllnum = "0"
|
||||
}
|
||||
|
||||
|
||||
perf[period] = fmt.Sprintf("%s/%s", idOrgnum, cellOrgnum)
|
||||
perf[period+"Count"] = fmt.Sprintf("%s/%s", idAllnum, cellAllnum)
|
||||
}
|
||||
@@ -3102,11 +3102,11 @@ func buildTimeLoanPerformances(variableValue map[string]interface{}) []interface
|
||||
}
|
||||
|
||||
periodMap := map[string]string{
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last7Day": "d7",
|
||||
"last15Day": "d15",
|
||||
"last1Month": "m1",
|
||||
"last3Month": "m3",
|
||||
"last6Month": "m6",
|
||||
"last12Month": "m12",
|
||||
}
|
||||
|
||||
@@ -3120,7 +3120,7 @@ func buildTimeLoanPerformances(variableValue map[string]interface{}) []interface
|
||||
cellOrgnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_%s_orgnum", apiPeriod, timeType.orgType, timeType.timeType))
|
||||
idAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_%s_%s_allnum", apiPeriod, timeType.orgType, timeType.timeType))
|
||||
cellAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_cell_%s_%s_allnum", apiPeriod, timeType.orgType, timeType.timeType))
|
||||
|
||||
|
||||
if idOrgnum == "" {
|
||||
idOrgnum = "0"
|
||||
}
|
||||
@@ -3133,7 +3133,7 @@ func buildTimeLoanPerformances(variableValue map[string]interface{}) []interface
|
||||
if cellAllnum == "" {
|
||||
cellAllnum = "0"
|
||||
}
|
||||
|
||||
|
||||
perf[period] = fmt.Sprintf("%s/%s", idOrgnum, cellOrgnum)
|
||||
perf[period+"Count"] = fmt.Sprintf("%s/%s", idAllnum, cellAllnum)
|
||||
}
|
||||
@@ -3151,7 +3151,7 @@ func checkLoanRisk(variableValue map[string]interface{}) bool {
|
||||
for _, period := range periods {
|
||||
bankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_bank_allnum", period))
|
||||
nbankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_nbank_allnum", period))
|
||||
|
||||
|
||||
if bankAllnum != "" && bankAllnum != "0" {
|
||||
if count, err := strconv.Atoi(bankAllnum); err == nil && count >= 10 {
|
||||
return true
|
||||
@@ -3593,7 +3593,7 @@ func checkRecentApplicationFrequency(variableValue map[string]interface{}, riskW
|
||||
for _, period := range periods {
|
||||
bankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_bank_allnum", period.apiPeriod))
|
||||
nbankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_nbank_allnum", period.apiPeriod))
|
||||
|
||||
|
||||
// 如果近7天申请次数>=10,认为是极为频繁(调高风险阈值,进一步提高阈值)
|
||||
if bankAllnum != "" && bankAllnum != "0" {
|
||||
if count, err := strconv.Atoi(bankAllnum); err == nil && count >= 10 {
|
||||
@@ -3626,7 +3626,7 @@ func checkBankApplicationFrequency(variableValue map[string]interface{}, riskWar
|
||||
for _, period := range periods {
|
||||
bankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_bank_allnum", period.apiPeriod))
|
||||
nbankAllnum := getStringValue(variableValue, fmt.Sprintf("als_%s_id_nbank_allnum", period.apiPeriod))
|
||||
|
||||
|
||||
if bankAllnum != "" && bankAllnum != "0" {
|
||||
if count, err := strconv.Atoi(bankAllnum); err == nil {
|
||||
bankTotal += count
|
||||
@@ -3663,7 +3663,7 @@ func checkDebtPressure(apiData map[string]interface{}, riskWarning *map[string]i
|
||||
// 检查当前逾期金额和机构数
|
||||
currentOverdueAmount := getStringValue(jrzq5e9fMap, "xyp_cpl0072")
|
||||
currentOverdueInstitutionCount := getStringValue(jrzq5e9fMap, "xyp_cpl0071")
|
||||
|
||||
|
||||
// 如果当前逾期金额较大或机构数较多,认为偿债压力极高
|
||||
if currentOverdueAmount != "" && currentOverdueAmount != "0" && currentOverdueAmount != "1" {
|
||||
(*riskWarning)["highDebtPressure"] = 1
|
||||
@@ -3718,7 +3718,7 @@ func checkRentalApplicationFrequency(jrzq1d09Map map[string]interface{}, riskWar
|
||||
for _, period := range periods {
|
||||
idAllnum := getStringValue(jrzq1d09Map, fmt.Sprintf("alc_%s_id_allnum", period.apiPeriod))
|
||||
cellAllnum := getStringValue(jrzq1d09Map, fmt.Sprintf("alc_%s_cell_allnum", period.apiPeriod))
|
||||
|
||||
|
||||
// 取较大的值
|
||||
idCount := 0
|
||||
cellCount := 0
|
||||
@@ -3732,7 +3732,7 @@ func checkRentalApplicationFrequency(jrzq1d09Map map[string]interface{}, riskWar
|
||||
cellCount = count
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
if idCount > cellCount {
|
||||
totalCount += idCount
|
||||
} else {
|
||||
@@ -3779,15 +3779,15 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
|
||||
// - Institution(3C机构): 使用id(身份证)查询的数据
|
||||
// - Platform(3C平台): 使用cell(手机号)查询的数据
|
||||
// 格式: "身份证/手机号",如果没有匹配的就是0
|
||||
|
||||
|
||||
// 时间周期映射:3Days->d3, 7Days->d7, 14Days->d14, Month->m1, 3Months->m3, 6Months->m6, 12Months->m12
|
||||
periodMap := map[string]string{
|
||||
"3Days": "d3",
|
||||
"7Days": "d7",
|
||||
"14Days": "d14",
|
||||
"Month": "m1",
|
||||
"3Months": "m3",
|
||||
"6Months": "m6",
|
||||
"3Days": "d3",
|
||||
"7Days": "d7",
|
||||
"14Days": "d14",
|
||||
"Month": "m1",
|
||||
"3Months": "m3",
|
||||
"6Months": "m6",
|
||||
"12Months": "m12",
|
||||
}
|
||||
|
||||
@@ -4050,21 +4050,21 @@ func normalizeProvinceName(province string) string {
|
||||
if province == "" {
|
||||
return ""
|
||||
}
|
||||
|
||||
|
||||
// 去除前后空格
|
||||
province = strings.TrimSpace(province)
|
||||
|
||||
|
||||
// 特殊处理:内蒙古(必须在最前面)
|
||||
if strings.Contains(province, "内蒙古") {
|
||||
return "内蒙古"
|
||||
}
|
||||
|
||||
|
||||
// 处理自治区、特别行政区、直辖市等后缀
|
||||
suffixes := []string{
|
||||
"壮族自治区", "回族自治区", "维吾尔自治区", "自治区",
|
||||
"特别行政区", "省", "市",
|
||||
}
|
||||
|
||||
|
||||
normalized := province
|
||||
for _, suffix := range suffixes {
|
||||
if strings.HasSuffix(normalized, suffix) {
|
||||
@@ -4072,7 +4072,7 @@ func normalizeProvinceName(province string) string {
|
||||
break
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
return normalized
|
||||
}
|
||||
|
||||
@@ -4082,15 +4082,15 @@ func normalizeCityName(city string) string {
|
||||
if city == "" {
|
||||
return ""
|
||||
}
|
||||
|
||||
|
||||
// 去除前后空格
|
||||
city = strings.TrimSpace(city)
|
||||
|
||||
|
||||
// 处理各种后缀
|
||||
suffixes := []string{
|
||||
"地区", "市", "自治州", "盟", "县", "区",
|
||||
}
|
||||
|
||||
|
||||
normalized := city
|
||||
for _, suffix := range suffixes {
|
||||
if strings.HasSuffix(normalized, suffix) {
|
||||
@@ -4098,7 +4098,7 @@ func normalizeCityName(city string) string {
|
||||
break
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
return normalized
|
||||
}
|
||||
|
||||
@@ -4107,12 +4107,12 @@ func extractProvinceFromAddress(address string) string {
|
||||
if address == "" {
|
||||
return ""
|
||||
}
|
||||
|
||||
|
||||
// 特殊处理:内蒙古(必须在最前面,因为"内蒙古"可能被其他模式误匹配)
|
||||
if strings.HasPrefix(address, "内蒙古") {
|
||||
return "内蒙古自治区"
|
||||
}
|
||||
|
||||
|
||||
// 处理直辖市(必须在自治区之前)
|
||||
if strings.HasPrefix(address, "北京") {
|
||||
return "北京市"
|
||||
@@ -4126,7 +4126,7 @@ func extractProvinceFromAddress(address string) string {
|
||||
if strings.HasPrefix(address, "重庆") {
|
||||
return "重庆市"
|
||||
}
|
||||
|
||||
|
||||
// 处理各种省份格式(按长度从长到短,避免误匹配)
|
||||
patterns := []struct {
|
||||
pattern string
|
||||
@@ -4170,12 +4170,12 @@ func extractProvinceFromAddress(address string) string {
|
||||
// 处理"XX省"格式(最后处理,因为可能与其他模式冲突)
|
||||
{"省", func(addr string) string {
|
||||
if idx := strings.Index(addr, "省"); idx > 0 {
|
||||
return addr[:idx+1]
|
||||
return addr[:idx+len("省")]
|
||||
}
|
||||
return ""
|
||||
}},
|
||||
}
|
||||
|
||||
|
||||
for _, p := range patterns {
|
||||
if strings.Contains(address, p.pattern) {
|
||||
if result := p.extract(address); result != "" {
|
||||
@@ -4183,7 +4183,7 @@ func extractProvinceFromAddress(address string) string {
|
||||
}
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
return ""
|
||||
}
|
||||
|
||||
@@ -4192,16 +4192,16 @@ func extractCityFromAddress(address string) string {
|
||||
if address == "" {
|
||||
return ""
|
||||
}
|
||||
|
||||
|
||||
// 先提取省份,然后从剩余部分提取城市
|
||||
province := extractProvinceFromAddress(address)
|
||||
if province == "" {
|
||||
return ""
|
||||
}
|
||||
|
||||
|
||||
// 去除省份部分
|
||||
cityPart := address[len(province):]
|
||||
|
||||
|
||||
// 处理各种城市格式
|
||||
patterns := []string{"地区", "市", "自治州", "盟"}
|
||||
for _, pattern := range patterns {
|
||||
@@ -4209,7 +4209,7 @@ func extractCityFromAddress(address string) string {
|
||||
return cityPart[:idx+len(pattern)]
|
||||
}
|
||||
}
|
||||
|
||||
|
||||
return ""
|
||||
}
|
||||
|
||||
@@ -4221,7 +4221,7 @@ func compareLocation(address1, province2, city2 string) bool {
|
||||
if address1 == "" {
|
||||
return false
|
||||
}
|
||||
|
||||
|
||||
// 如果号码归属地只有省份,检查省份是否出现在户籍所在地中
|
||||
if province2 != "" && city2 == "" {
|
||||
// 标准化省份名称,去除后缀
|
||||
@@ -4229,20 +4229,20 @@ func compareLocation(address1, province2, city2 string) bool {
|
||||
// 检查标准化后的省份名称是否出现在户籍所在地中
|
||||
return strings.Contains(address1, province2Norm)
|
||||
}
|
||||
|
||||
|
||||
// 如果号码归属地有省份和城市,检查两者是否都出现在户籍所在地中
|
||||
if province2 != "" && city2 != "" {
|
||||
// 标准化省份和城市名称,去除后缀
|
||||
province2Norm := normalizeProvinceName(province2)
|
||||
city2Norm := normalizeCityName(city2)
|
||||
|
||||
|
||||
// 检查省份和城市是否都出现在户籍所在地中
|
||||
provinceMatch := strings.Contains(address1, province2Norm)
|
||||
cityMatch := strings.Contains(address1, city2Norm)
|
||||
|
||||
|
||||
return provinceMatch && cityMatch
|
||||
}
|
||||
|
||||
|
||||
return false
|
||||
}
|
||||
|
||||
@@ -4262,7 +4262,7 @@ func convertChannel(channel string) string {
|
||||
// convertChannelName 转换运营商名称(处理中文名称)
|
||||
func convertChannelName(channel string) string {
|
||||
// 如果已经是中文名称,直接返回
|
||||
if strings.Contains(channel, "移动") || strings.Contains(channel, "联通") ||
|
||||
if strings.Contains(channel, "移动") || strings.Contains(channel, "联通") ||
|
||||
strings.Contains(channel, "电信") || strings.Contains(channel, "广电") {
|
||||
return channel
|
||||
}
|
||||
@@ -4276,7 +4276,7 @@ func convertStatusFromOnlineStatus(data map[string]interface{}) int {
|
||||
// 获取status字段(0-在网,1-不在网)
|
||||
var statusVal interface{}
|
||||
var ok bool
|
||||
|
||||
|
||||
// status可能是int或float64类型
|
||||
if statusVal, ok = data["status"]; !ok {
|
||||
return -1 // 未查得
|
||||
@@ -4362,7 +4362,7 @@ func getFraudScore(apiData map[string]interface{}) int {
|
||||
// 从涉赌涉诈风险评估获取基础反欺诈评分
|
||||
flxgData := getMapValue(apiData, "FLXG8B4D")
|
||||
baseScore := -1
|
||||
|
||||
|
||||
if flxgData != nil {
|
||||
flxgMap, ok := flxgData.(map[string]interface{})
|
||||
if ok {
|
||||
@@ -4505,7 +4505,7 @@ func getCreditScore(apiData map[string]interface{}) int {
|
||||
return 900
|
||||
}
|
||||
parsed, err := strconv.ParseFloat(v, 64)
|
||||
if err != nil {
|
||||
if err != nil {
|
||||
// 解析失败,返回900(默认信用较好)
|
||||
return 900
|
||||
}
|
||||
@@ -4546,7 +4546,7 @@ func isDevelopmentMode() bool {
|
||||
if useMock := os.Getenv("DWBG_USE_MOCK_DATA"); useMock != "" {
|
||||
return useMock == "1" || useMock == "true" || useMock == "yes"
|
||||
}
|
||||
|
||||
|
||||
env := os.Getenv("ENV")
|
||||
if env == "" {
|
||||
env = os.Getenv("CONFIG_ENV")
|
||||
@@ -4554,12 +4554,12 @@ func isDevelopmentMode() bool {
|
||||
if env == "" {
|
||||
env = os.Getenv("APP_ENV")
|
||||
}
|
||||
|
||||
|
||||
// 默认开发环境
|
||||
if env == "" {
|
||||
return true
|
||||
}
|
||||
|
||||
|
||||
return env == "development"
|
||||
}
|
||||
|
||||
@@ -4571,32 +4571,32 @@ func loadMockAPIDataFromFile(log *zap.Logger) map[string]interface{} {
|
||||
// 默认使用最新的导出文件
|
||||
mockDataPath = "api_data_export/api_data_4522_20260214_152339.json"
|
||||
}
|
||||
|
||||
|
||||
// 检查文件是否存在
|
||||
if _, err := os.Stat(mockDataPath); os.IsNotExist(err) {
|
||||
log.Warn("开发模式:模拟数据文件不存在", zap.String("path", mockDataPath))
|
||||
return nil
|
||||
}
|
||||
|
||||
|
||||
// 读取文件内容
|
||||
fileData, err := os.ReadFile(mockDataPath)
|
||||
if err != nil {
|
||||
log.Warn("开发模式:读取模拟数据文件失败", zap.String("path", mockDataPath), zap.Error(err))
|
||||
return nil
|
||||
}
|
||||
|
||||
|
||||
// 解析JSON
|
||||
var apiData map[string]interface{}
|
||||
if err := json.Unmarshal(fileData, &apiData); err != nil {
|
||||
log.Warn("开发模式:解析模拟数据JSON失败", zap.String("path", mockDataPath), zap.Error(err))
|
||||
return nil
|
||||
}
|
||||
|
||||
log.Info("开发模式:成功加载模拟数据",
|
||||
|
||||
log.Info("开发模式:成功加载模拟数据",
|
||||
zap.String("path", mockDataPath),
|
||||
zap.Int("api_count", len(apiData)),
|
||||
)
|
||||
|
||||
|
||||
return apiData
|
||||
}
|
||||
|
||||
|
||||
Reference in New Issue
Block a user