357 lines
10 KiB
Go
357 lines
10 KiB
Go
package dwbg
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import (
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"math"
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"strconv"
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"strings"
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)
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const raScoreMax = 1000
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const (
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raWeightVerify = 0.10
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raWeightJudicialBase = 0.50
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raWeightCreditBase = 0.40
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raHighRiskThreshold = 400
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)
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// buildDWBG9FB3RA 构建顶层 RA 总体安全评估（千分制，分值越高越安全）
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//
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// 输出字段来源：
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// - ra_fraud_score → calcRAFraudScore（辅助输出，不参与 ra_score 加权）
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// - ra_credit_score → calcRACreditScore
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// - ra_judicial_score → calcRAJudicialScore
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// - ra_verify_score → calcRAVerifyScore
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// - ra_score → 本方法，身份 10% 固定 + 司法/借贷动态加权
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// - ra_level → raLevelFromScore(ra_score)，司法+借贷双高时强制 F
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func buildDWBG9FB3RA(data map[string]interface{}) map[string]interface{} {
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fraudScore := calcRAFraudScore(data)
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creditScore := calcRACreditScore(data)
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judicialScore := calcRAJudicialScore(data)
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verifyScore := calcRAVerifyScore(data)
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total := 0
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level := "F"
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if isRAForcedFGrade(judicialScore, creditScore) {
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total = 0
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level = "F"
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} else {
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wJudicial, wCredit := calcRADynamicWeights(judicialScore, creditScore)
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total = int(math.Round(
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float64(verifyScore)*raWeightVerify +
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float64(judicialScore)*wJudicial +
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float64(creditScore)*wCredit,
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))
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total = clampRAInt(total, 0, raScoreMax)
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level = raLevelFromScore(total)
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}
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return map[string]interface{}{
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"ra_score": total,
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"ra_level": level,
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"ra_fraud_score": fraudScore,
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"ra_credit_score": creditScore,
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"ra_judicial_score": judicialScore,
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"ra_verify_score": verifyScore,
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}
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}
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// calcRADynamicWeights 按司法/借贷风险场景分配剩余 90% 权重（身份固定 10%）
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func calcRADynamicWeights(judicialScore, creditScore int) (wJudicial, wCredit float64) {
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hasJudicialRisk := judicialScore < raScoreMax
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hasCreditRisk := creditScore < raScoreMax
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switch {
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case hasJudicialRisk && hasCreditRisk:
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return 0.70, 0.20
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case hasJudicialRisk:
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return 0.65, 0.25
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case hasCreditRisk:
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return 0.40, 0.50
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default:
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return raWeightJudicialBase, raWeightCreditBase
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}
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}
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// isRAForcedFGrade 司法 + 借贷双重高风险时强制 F 级
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func isRAForcedFGrade(judicialScore, creditScore int) bool {
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return judicialScore <= raHighRiskThreshold && creditScore <= raHighRiskThreshold
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}
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// raLevelFromScore 由 ra_score 映射等级（千分制，越高越安全）
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// A: 800-1000 B: 600-799 C: 400-599 D: 200-399 E: 0-199
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func raLevelFromScore(score int) string {
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switch {
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case score >= 800:
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return "A"
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case score >= 600:
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return "B"
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case score >= 400:
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return "C"
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case score >= 200:
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return "D"
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default:
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return "E"
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}
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}
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// toRASafetyScore 将风险扣分转为安全分：安全分 = 1000 - 风险扣分
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func toRASafetyScore(riskPoints int) int {
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return clampRAInt(raScoreMax-riskPoints, 0, raScoreMax)
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}
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// calcRAFraudScore 欺诈/黑名单维度安全分（来源：calcRAFraudRiskPoints）
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// 统计方式：满分 1000，根据 behavior/complaint/fraud/special 风险信号扣分后取补集
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func calcRAFraudScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAFraudRiskPoints(data))
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}
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// 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）
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func calcRAFraudRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 behavior（JRZQV0MD 行为黑名单）
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if behavior := raAsMap(data["behavior"]); behavior != nil {
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if result := raAsMap(behavior["result"]); result != nil {
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// behavior.result.black_list = "1" → 命中行为黑名单，扣 500
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if raAsString(result["black_list"]) == "1" {
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risk += 500
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}
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// behavior.result.black_tag04~12 任意为 "1" → 每个扣 80
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for k, v := range result {
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if strings.HasPrefix(k, "black_tag") && raAsString(v) == "1" {
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risk += 80
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}
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}
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}
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}
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// 来源子字段 complaint（JRZQVT43 投诉风险筛查）
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if complaint := raAsMap(data["complaint"]); complaint != nil {
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if result := raAsMap(complaint["result"]); result != nil {
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// complaint.result.score × 10，上限扣 300
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risk += clampRAInt(raAsInt(result["score"])*10, 0, 300)
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}
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}
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// 来源子字段 fraud（JRZQV3HM 债务欺诈黑名单）
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if fraud := raAsMap(data["fraud"]); fraud != nil {
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// fraud.hit = 1 → 命中欺诈黑名单，扣 400
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if raAsInt(fraud["hit"]) == 1 || raAsString(fraud["hit"]) == "1" {
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risk += 400
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}
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}
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// 来源子字段 special（JRZQV7MD 特殊名单）
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if special := raAsMap(data["special"]); special != nil && len(special) > 0 {
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switch raAsString(special["Rule_final_decision"]) {
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case "Reject":
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risk += 350 // 特殊名单建议拒绝
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case "Review":
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risk += 200 // 特殊名单建议复议
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}
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}
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return clampRAInt(risk, 0, raScoreMax)
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}
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// calcRACreditScore 借贷/逾期维度安全分（来源：calcRACreditRiskPoints）
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// 统计方式：满分 1000，根据 probe/intent/rating 风险信号扣分后取补集
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func calcRACreditScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRACreditRiskPoints(data))
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}
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// calcRACreditRiskPoints 统计借贷维度风险扣分
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func calcRACreditRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 probe（JRZQ4B6C 探针C）
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if probe := raAsMap(data["probe"]); probe != nil {
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if raAsString(probe["currently_overdue"]) == "1" {
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risk += 300 // 当前逾期
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}
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if raAsString(probe["acc_sleep"]) == "1" {
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risk += 150 // 睡眠账户
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}
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if raAsString(probe["currently_performance"]) == "0" {
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risk += 100 // 当前未履约
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}
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if raAsString(probe["result_code"]) == "1" {
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risk += 100 // 探针命中风险
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}
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}
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// 来源子字段 intent（JRZQ3C7B 借贷意向验证）
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if intent := raAsMap(data["intent"]); intent != nil {
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switch raAsString(intent["Rule_final_decision"]) {
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case "Reject":
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risk += 400
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case "Review":
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risk += 250
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}
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// intent.Rule_final_weight × 5，上限扣 250
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weight := raAsInt(intent["Rule_final_weight"])
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if weight > 0 {
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risk += clampRAInt(weight*5, 0, 250)
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}
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}
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// 来源子字段 rating（JRZQ5E9F 借选指数）
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if rating := raAsMap(data["rating"]); rating != nil {
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// rating.score 越低风险越高：扣 (500 - score)，上限 300
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if ratingScore := raAsInt(rating["score"]); ratingScore > 0 && ratingScore < 500 {
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risk += clampRAInt(500-ratingScore, 0, 300)
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}
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}
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return clampRAInt(risk, 0, raScoreMax)
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}
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// calcRAJudicialScore 司法涉诉维度安全分（来源：calcRAJudicialRiskPoints）
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// 统计方式：满分 1000，根据 judicial.judicial_data 涉诉统计扣分后取补集
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func calcRAJudicialScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAJudicialRiskPoints(data))
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}
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// calcRAJudicialRiskPoints 统计司法维度风险扣分
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func calcRAJudicialRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 judicial（FLXG7E8F 个人司法数据查询）
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judicial := raAsMap(data["judicial"])
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if judicial == nil {
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return 0
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}
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judicialData := raAsMap(judicial["judicial_data"])
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if judicialData == nil {
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return 0
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}
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// lawsuitStat 下 civil/criminal/administrative/preservation 等节点累加
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if lawsuitStat := raAsMap(judicialData["lawsuitStat"]); lawsuitStat != nil {
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for _, section := range lawsuitStat {
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sectionMap := raAsMap(section)
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if sectionMap == nil {
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continue
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}
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count := raAsMap(sectionMap["count"])
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if count == nil {
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continue
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}
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risk += clampRAInt(raAsInt(count["count_total"])*80, 0, 400) // 涉诉总件数
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risk += clampRAInt(raAsInt(count["count_wei_total"])*60, 0, 300) // 未结案数
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risk += clampRAInt(raAsInt(count["count_beigao"])*50, 0, 250) // 被告件数
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}
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}
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risk += clampRAInt(len(raAsSlice(judicialData["breachCaseList"]))*150, 0, 450) // 失信案件条数
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risk += clampRAInt(len(raAsSlice(judicialData["consumptionRestrictionList"]))*200, 0, 400) // 限高条数
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return clampRAInt(risk, 0, raScoreMax)
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}
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// calcRAVerifyScore 身份/在网核验维度安全分（来源：calcRAVerifyRiskPoints）
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// 统计方式：满分 1000，根据 triple/identity/presence 核验异常扣分后取补集
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func calcRAVerifyScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAVerifyRiskPoints(data))
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}
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// calcRAVerifyRiskPoints 统计核验维度风险扣分
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func calcRAVerifyRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 triple（YYSYK9R4 三要素验证）
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if triple := raAsMap(data["triple"]); triple != nil {
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if state := raAsString(triple["state"]); state != "" && state != "1" {
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risk += 400 // 三要素不一致
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}
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}
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// 来源子字段 identity（IVYZN2P8 二要素认证）
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if identity := raAsMap(data["identity"]); identity != nil {
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if result := raAsInt(identity["result"]); result != 0 {
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risk += 400 // 二要素不一致或无记录
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}
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}
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// 来源子字段 presence（YYSYE7V5 在网状态）
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if presence := raAsMap(data["presence"]); presence != nil {
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desc := raAsString(presence["desc"])
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if strings.Contains(desc, "停机") || strings.Contains(desc, "销号") || strings.Contains(desc, "不在网") {
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risk += 80 // 在网状态异常
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}
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if status := raAsInt(presence["status"]); status > 1 {
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risk += 50 // 在网状态码异常
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}
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}
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return clampRAInt(risk, 0, raScoreMax)
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}
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func raAsMap(v interface{}) map[string]interface{} {
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m, ok := v.(map[string]interface{})
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if !ok || m == nil {
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return nil
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}
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return m
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}
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func raAsSlice(v interface{}) []interface{} {
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s, ok := v.([]interface{})
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if !ok {
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return nil
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}
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return s
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}
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func raAsString(v interface{}) string {
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switch val := v.(type) {
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case string:
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return strings.TrimSpace(val)
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case float64:
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return strconv.FormatInt(int64(val), 10)
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case int:
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return strconv.Itoa(val)
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case int64:
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return strconv.FormatInt(val, 10)
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case bool:
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if val {
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return "1"
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}
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return "0"
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default:
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return ""
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}
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}
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func raAsInt(v interface{}) int {
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switch val := v.(type) {
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case int:
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return val
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case int64:
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return int(val)
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case float64:
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return int(val)
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case string:
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n, err := strconv.Atoi(strings.TrimSpace(val))
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if err == nil {
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return n
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}
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case bool:
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if val {
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return 1
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}
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}
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return 0
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}
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func clampRAInt(v, min, max int) int {
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if v < min {
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return min
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}
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if v > max {
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return max
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}
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return v
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}
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