package dwbg import ( "math" "strconv" "strings" ) const raScoreMax = 1000 const ( raWeightVerify = 0.10 raWeightJudicialBase = 0.50 raWeightCreditBase = 0.40 raHighRiskThreshold = 400 ) // 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 func buildDWBG9FB3RA(data map[string]interface{}) map[string]interface{} { fraudScore := calcRAFraudScore(data) creditScore := calcRACreditScore(data) judicialScore := calcRAJudicialScore(data) verifyScore := calcRAVerifyScore(data) total := 0 level := "F" if isRAForcedFGrade(judicialScore, creditScore) { total = 0 level = "F" } else { wJudicial, wCredit := calcRADynamicWeights(judicialScore, creditScore) total = int(math.Round( float64(verifyScore)*raWeightVerify + float64(judicialScore)*wJudicial + float64(creditScore)*wCredit, )) total = clampRAInt(total, 0, raScoreMax) level = raLevelFromScore(total) } 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, } } // 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 + 借贷双重高风险时强制 F 级 func isRAForcedFGrade(judicialScore, creditScore int) bool { return judicialScore <= raHighRiskThreshold && creditScore <= raHighRiskThreshold } // raLevelFromScore 由 ra_score 映射等级(千分制,越高越安全) // A: 800-1000 B: 600-799 C: 400-599 D: 200-399 E: 0-199 func raLevelFromScore(score int) string { switch { case score >= 800: return "A" case score >= 600: return "B" case score >= 400: return "C" case score >= 200: return "D" default: return "E" } } // 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) func calcRAFraudRiskPoints(data map[string]interface{}) int { risk := 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 { // behavior.result.black_list = "1" → 命中行为黑名单,扣 500 if raAsString(result["black_list"]) == "1" { risk += 500 } // behavior.result.black_tag04~12 任意为 "1" → 每个扣 80 for k, v := range result { if strings.HasPrefix(k, "black_tag") && raAsString(v) == "1" { risk += 80 } } } } // 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 { // complaint.result.score × 10,上限扣 300 risk += clampRAInt(raAsInt(result["score"])*10, 0, 300) } } // 来源子字段 fraud(JRZQV3HM 债务欺诈黑名单) if fraud := raAsMap(data["fraud"]); fraud != nil { // fraud.hit = 1 → 命中欺诈黑名单,扣 400 if raAsInt(fraud["hit"]) == 1 || raAsString(fraud["hit"]) == "1" { risk += 400 } } // 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": risk += 350 // 特殊名单建议拒绝 case "Review": risk += 200 // 特殊名单建议复议 } } return clampRAInt(risk, 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 += 300 // 当前逾期 } if raAsString(probe["acc_sleep"]) == "1" { risk += 150 // 睡眠账户 } if raAsString(probe["currently_performance"]) == "0" { risk += 100 // 当前未履约 } if raAsString(probe["result_code"]) == "1" { risk += 100 // 探针命中风险 } } // 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 += 400 case "Review": risk += 250 } // intent.Rule_final_weight × 5,上限扣 250 weight := raAsInt(intent["Rule_final_weight"]) if weight > 0 { risk += clampRAInt(weight*5, 0, 250) } } // 来源子字段 rating(JRZQ5E9F 借选指数) if rating := raAsMap(data["rating"]); rating != nil { // rating.score 越低风险越高:扣 (500 - score),上限 300 if ratingScore := raAsInt(rating["score"]); ratingScore > 0 && ratingScore < 500 { risk += clampRAInt(500-ratingScore, 0, 300) } } return clampRAInt(risk, 0, raScoreMax) } // 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"])*80, 0, 400) // 涉诉总件数 risk += clampRAInt(raAsInt(count["count_wei_total"])*60, 0, 300) // 未结案数 risk += clampRAInt(raAsInt(count["count_beigao"])*50, 0, 250) // 被告件数 } } risk += clampRAInt(len(raAsSlice(judicialData["breachCaseList"]))*150, 0, 450) // 失信案件条数 risk += clampRAInt(len(raAsSlice(judicialData["consumptionRestrictionList"]))*200, 0, 400) // 限高条数 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 += 400 // 三要素不一致 } } // 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 += 400 // 二要素不一致或无记录 } } // 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 += 80 // 在网状态异常 } if status := raAsInt(presence["status"]); status > 1 { risk += 50 // 在网状态码异常 } } 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 }