269 lines
12 KiB
C#
269 lines
12 KiB
C#
using System;
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using System.Collections.Generic;
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using System.Linq;
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using Qdp.Foundation.Utilities;
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using YLErp.BLL;
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using YLErp.DBModels;
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using YLErp.Enums;
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namespace YLErp.Modules.RiskEngine
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{
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/// <summary>
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/// 新风控通用试算服务，负责按业务触发时点执行规则、保存试算结果并校验二次确认。
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/// </summary>
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public class RiskTrialService : YLBaseService
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{
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private readonly IYcLogger _logger = LogFactory.GetLogger("RiskTrialService");
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/// <summary>
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/// 使用当前业务服务的用户和数据库上下文创建新风控试算服务。
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/// </summary>
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/// <param name="baseService">当前业务服务。</param>
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public RiskTrialService(YLBaseService baseService) : base(baseService)
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{
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}
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/// <summary>
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/// 执行一次独立于老风控的新风控试算并保存试算记录。
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/// </summary>
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/// <param name="context">包含交易、触发时点及业务日期的风控上下文。</param>
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/// <param name="trialSource">试算来源，由具体业务场景约定。</param>
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/// <param name="confirmation">二次确认信息；首次试算传空。</param>
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/// <returns>包含阻断、审批、提示及试算记录ID的统一结果。</returns>
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public RiskTrialResult CheckRisk(RiskContext context, int trialSource, RiskTrialConfirmation confirmation = null)
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{
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if (context == null)
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{
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throw new ArgumentNullException(nameof(context));
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}
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if (context.TradeId <= 0)
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{
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throw new ArgumentException("交易ID必须大于0", nameof(context));
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}
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if (string.IsNullOrWhiteSpace(context.TriggerPoint))
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{
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throw new ArgumentException("风控触发时点不能为空", nameof(context));
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}
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var confirmedRuleIds = new HashSet<string>();
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var confirmationExpired = false;
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if (confirmation != null)
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{
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confirmationExpired = !TryGetConfirmedRuleIds(context, trialSource, confirmation, confirmedRuleIds);
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}
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var riskResult = new RiskEngineService(this).EvaluateRisk(context, context.TriggerPoint);
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var currentApprovalRules = riskResult.TriggeredRules
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.Where(rule => rule.ControlStrategy == RiskControlStrategy.Approval)
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.ToList();
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var pendingApprovalRules = confirmationExpired
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? currentApprovalRules
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: currentApprovalRules.Where(rule => !confirmedRuleIds.Contains(rule.RuleId)).ToList();
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var trial = CreateQuotaTrial(context, trialSource, riskResult, pendingApprovalRules);
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new Modules.RiskModule.QuotaMonitorService(this).SaveQuotaTrial(trial);
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var result = new RiskTrialResult
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{
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Blocked = riskResult.Blocked,
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NeedApproval = pendingApprovalRules.Any(),
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ShowTip = riskResult.ShowTip,
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ConfirmationExpired = confirmationExpired,
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TrialDataId = trial.id,
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Message = trial.RiskWarningDetails,
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ApprovalRuleIds = pendingApprovalRules
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.Select(rule => rule.RuleId)
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.Where(ruleId => !string.IsNullOrWhiteSpace(ruleId))
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.Distinct()
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.ToList()
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};
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result.Passed = !result.Blocked && !result.NeedApproval;
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_logger.Info($"[新风控试算] TradeId: {context.TradeId}, TriggerPoint: {context.TriggerPoint}, TrialSource: {trialSource}, TrialDataId: {result.TrialDataId}, Passed: {result.Passed}, Blocked: {result.Blocked}, NeedApproval: {result.NeedApproval}, ShowTip: {result.ShowTip}, ConfirmationExpired: {result.ConfirmationExpired}");
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return result;
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}
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/// <summary>
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/// 校验二次确认记录，并恢复首次试算中已确认的审批规则ID。
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/// </summary>
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private bool TryGetConfirmedRuleIds(RiskContext context, int trialSource, RiskTrialConfirmation confirmation, ISet<string> confirmedRuleIds)
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{
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if (confirmation.TrialDataId <= 0 || confirmation.ExpireSeconds <= 0)
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{
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return false;
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}
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var trial = DbContext.quotaTrial.FirstOrDefault(item => item.id == confirmation.TrialDataId);
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if (trial == null
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|| trial.TradeId != context.TradeId
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|| trial.TrialSource != trialSource
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|| !trial.OptDate.HasValue
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|| !HasMatchingRequestContext(trial.RiskWarningDetails, context))
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{
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return false;
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}
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if (DateTime.Now - trial.OptDate.Value > TimeSpan.FromSeconds(confirmation.ExpireSeconds))
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{
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return false;
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}
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foreach (var ruleId in ParseApprovalRuleIds(trial.RiskWarningDetails))
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{
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confirmedRuleIds.Add(ruleId);
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}
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return confirmedRuleIds.Count > 0;
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}
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/// <summary>
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/// 校验二次提交与首次试算的触发点和平仓日期一致，避免复用其他业务参数生成的审批记录。
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/// </summary>
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private static bool HasMatchingRequestContext(string details, RiskContext context)
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{
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var expectedContext = BuildRequestContext(context);
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return (details ?? string.Empty)
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.Split(new[] { '\r', '\n' }, StringSplitOptions.RemoveEmptyEntries)
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.Any(line => string.Equals(line, expectedContext, StringComparison.Ordinal));
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}
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/// <summary>
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/// 从系统生成的审批规则明细中恢复规则ID，避免直接信任前端提交的放行规则列表。
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/// </summary>
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private static IEnumerable<string> ParseApprovalRuleIds(string details)
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{
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const string approvalTitle = "[风控引擎] 规则触发：需审批";
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const string ruleIdPrefix = "规则ID:";
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var inApprovalSection = false;
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foreach (var line in (details ?? string.Empty).Split(new[] { '\r', '\n' }, StringSplitOptions.RemoveEmptyEntries))
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{
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if (line.StartsWith("[风控引擎] 规则触发：", StringComparison.Ordinal))
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{
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inApprovalSection = line.StartsWith(approvalTitle, StringComparison.Ordinal);
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continue;
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}
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if (!inApprovalSection)
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{
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continue;
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}
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var ruleIdStart = line.IndexOf(ruleIdPrefix, StringComparison.Ordinal);
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if (ruleIdStart < 0)
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{
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continue;
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}
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ruleIdStart += ruleIdPrefix.Length;
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var ruleIdEnd = line.IndexOf('；', ruleIdStart);
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var ruleId = (ruleIdEnd < 0 ? line.Substring(ruleIdStart) : line.Substring(ruleIdStart, ruleIdEnd - ruleIdStart)).Trim();
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if (!string.IsNullOrWhiteSpace(ruleId))
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{
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yield return ruleId;
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}
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}
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}
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/// <summary>
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/// 将新风控引擎结果转换为现有试算记录，供详情页面和二次确认复用。
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/// </summary>
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private QuotaTrial CreateQuotaTrial(RiskContext context, int trialSource, RiskResult riskResult, IReadOnlyCollection<TriggeredRuleInfo> pendingApprovalRules)
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{
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// 业务入口已通过Find加载交易，优先复用当前上下文跟踪的实体，避免重复查询数据库。
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var trade = DbContext.trade.Local.FirstOrDefault(item => item.id == context.TradeId)
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?? DbContext.trade.Find(context.TradeId);
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var trial = new QuotaTrial
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{
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TradeId = context.TradeId,
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TradeNumber = trade?.TradeNumber ?? string.Empty,
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ClientName = trade?.ClientName ?? string.Empty,
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TrialSource = trialSource,
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TrialStatus = riskResult.Blocked
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? QuotaTrialStatusEnum.Error
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: pendingApprovalRules.Any() ? QuotaTrialStatusEnum.RiskWarning : QuotaTrialStatusEnum.Success,
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NewRiskBlocked = riskResult.Blocked,
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NewRiskNeedApproval = pendingApprovalRules.Any(),
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RiskWarningDetails = BuildRiskDetails(context, riskResult, pendingApprovalRules)
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};
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trial.ApprovalRuleIds = pendingApprovalRules
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.Select(rule => rule.RuleId)
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.Where(ruleId => !string.IsNullOrWhiteSpace(ruleId))
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.Distinct()
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.ToList();
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return trial;
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}
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/// <summary>
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/// 按控制策略生成与现有试算详情页面兼容的规则明细。
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/// </summary>
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private static string BuildRiskDetails(RiskContext context, RiskResult riskResult, IReadOnlyCollection<TriggeredRuleInfo> pendingApprovalRules)
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{
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var lines = new List<string>
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{
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BuildRequestContext(context)
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};
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AppendRuleDetails(lines, "禁止", riskResult.TriggeredRules.Where(rule => rule.ControlStrategy == RiskControlStrategy.Block));
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AppendRuleDetails(lines, "需审批", pendingApprovalRules);
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AppendRuleDetails(lines, "提示", riskResult.TriggeredRules.Where(rule => rule.ControlStrategy == RiskControlStrategy.ShowTip));
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return string.Join("\n", lines);
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}
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/// <summary>
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/// 生成首次试算的业务请求标识，供二次确认严格校验业务参数。
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/// </summary>
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private static string BuildRequestContext(RiskContext context)
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{
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return $"[风控引擎] 请求上下文：触发点:{context.TriggerPoint ?? string.Empty}；平仓日期:{context.UnwindDate?.Date:yyyy-MM-dd}";
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}
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/// <summary>
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/// 追加指定控制策略的规则明细。
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/// </summary>
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private static void AppendRuleDetails(ICollection<string> lines, string strategyName, IEnumerable<TriggeredRuleInfo> rules)
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{
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var ruleList = rules.ToList();
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if (!ruleList.Any())
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{
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return;
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}
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lines.Add($"[风控引擎] 规则触发：{strategyName}");
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foreach (var rule in ruleList)
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{
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var detail = $"应用ID:{rule.ApplicationId?.ToString() ?? "-"}；规则ID:{rule.RuleId}；规则名称:{rule.RuleName}；规则说明:{rule.RuleText}";
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if (!string.IsNullOrWhiteSpace(rule.Message))
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{
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detail += $"；信息:{rule.Message}";
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}
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lines.Add(detail);
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}
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}
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}
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/// <summary>
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/// 新风控二次确认参数。
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/// </summary>
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public class RiskTrialConfirmation
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{
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/// <summary>
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/// 首次风控试算记录ID。
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/// </summary>
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public int TrialDataId { get; set; }
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/// <summary>
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/// 首次试算允许确认放行的有效时长，单位为秒。
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/// </summary>
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public int ExpireSeconds { get; set; }
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}
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/// <summary>
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/// 新风控通用试算结果。
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/// </summary>
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public class RiskTrialResult
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{
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public bool Passed { get; set; }
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public bool Blocked { get; set; }
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public bool NeedApproval { get; set; }
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public bool ShowTip { get; set; }
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public bool ConfirmationExpired { get; set; }
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public int TrialDataId { get; set; }
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public string Message { get; set; }
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public List<string> ApprovalRuleIds { get; set; } = new List<string>();
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}
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}
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