433 lines
18 KiB
JavaScript
433 lines
18 KiB
JavaScript
#!/usr/bin/env node
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'use strict';
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const fs = require('fs');
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const DEFAULT_CONFIG = {
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allowCompanyVehicle: false,
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maxPurchaseAgeDays: 365,
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plusCMaxVehicleAgeYears: 5,
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plusCKeywords: ['plusc', '代步权益'],
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manualReviewOnMissingCriticalFields: true,
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allowedVehicleTypeKeywords: ['乘用车', '小型轿车', '轿车', '客车', 'SUV', '新能源', '越野', '多用途乘用车'],
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rejectVehicleTypeKeywords: ['货车', '牵引', '挂车', '专项', '工程', '营运', '出租', '公交', '客运', '危险品'],
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};
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const COMPANY_SUFFIX_RE = /(公司|有限|集团|厂|店|中心|企业|合作社|机关|单位|学校|医院|政府|委员会|事务所|营业部|分公司|4S店)/;
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function emit(stage, message, status = 'running', extra = {}) {
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process.stderr.write(JSON.stringify({
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type: 'process_event',
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stage,
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message,
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status,
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timestamp: new Date().toISOString(),
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...extra,
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}) + '\n');
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}
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function readInput() {
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const raw = fs.readFileSync(0, 'utf8').trim();
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return raw ? JSON.parse(raw) : {};
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}
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function firstValue(obj, keys) {
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if (!obj || typeof obj !== 'object') return '';
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for (const key of keys) {
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const value = obj[key];
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if (value !== undefined && value !== null && String(value).trim() !== '' && String(value).trim() !== 'null') {
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return value;
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}
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}
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return '';
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}
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function str(value) {
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if (value === undefined || value === null) return '';
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return String(value).trim();
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}
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function normName(value) {
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return str(value).replace(/\s+/g, '').replace(/[·.．]/g, '');
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}
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function normId(value) {
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return str(value).replace(/\s+/g, '').toUpperCase();
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}
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function normVin(value) {
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return str(value).replace(/\s+/g, '').toUpperCase();
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}
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function normLoose(value) {
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return str(value).replace(/\s+/g, '').toUpperCase();
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}
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function fieldsOf(result) {
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if (!result || typeof result !== 'object') return {};
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if (result.fields && typeof result.fields === 'object') return result.fields;
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return result;
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}
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function parseDate(value) {
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if (value === undefined || value === null || value === '') return null;
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if (typeof value === 'number') {
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const timestamp = value > 1000000000 && value < 100000000000 ? value * 1000 : value;
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const date = new Date(timestamp);
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return Number.isNaN(date.getTime()) ? null : date;
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}
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const text = str(value);
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if (!text || text === '长期') return null;
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if (/^\d+$/.test(text)) {
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const n = Number(text);
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const timestamp = n > 1000000000 && n < 100000000000 ? n * 1000 : n;
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const date = new Date(timestamp);
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if (!Number.isNaN(date.getTime()) && n > 1000000000) return date;
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}
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const normalized = text
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.replace(/[年月/.]/g, '-')
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.replace(/日/g, '')
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.replace(/T.*$/, '')
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.trim();
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const compact = normalized.match(/^(\d{4})(\d{2})(\d{2})$/);
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const finalText = compact ? `${compact[1]}-${compact[2]}-${compact[3]}` : normalized;
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const dateOnly = finalText.match(/^(\d{4})-(\d{1,2})-(\d{1,2})/);
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const date = dateOnly
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? new Date(Number(dateOnly[1]), Number(dateOnly[2]) - 1, Number(dateOnly[3]))
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: new Date(finalText);
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return Number.isNaN(date.getTime()) ? null : date;
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}
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function formatDate(date) {
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if (!date) return '';
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const y = date.getFullYear();
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const m = String(date.getMonth() + 1).padStart(2, '0');
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const d = String(date.getDate()).padStart(2, '0');
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return `${y}-${m}-${d}`;
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}
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function daysBetween(start, end) {
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return Math.floor((end.getTime() - start.getTime()) / 86400000);
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}
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function fullMonthsBetween(start, end) {
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let months = (end.getFullYear() - start.getFullYear()) * 12 + (end.getMonth() - start.getMonth());
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if (end.getDate() < start.getDate()) months -= 1;
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return Math.max(0, months);
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}
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function addYearsClamped(date, years) {
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const targetYear = date.getFullYear() + years;
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const targetMonth = date.getMonth();
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const day = Math.min(date.getDate(), new Date(targetYear, targetMonth + 1, 0).getDate());
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return new Date(targetYear, targetMonth, day, 0, 0, 0, 0);
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}
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function isDateAfterLimitYears(start, end, years) {
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return end.getTime() > addYearsClamped(start, years).getTime();
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}
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function normalizeKeywordText(value) {
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return str(value).normalize('NFKC').replace(/\s+/g, '').toLowerCase();
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}
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function isPackageTypePlusC(value) {
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return normalizeKeywordText(value) === '3';
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}
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function isPlusCOrder(order, cfg) {
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if (!order || typeof order !== 'object') return false;
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if (isPackageTypePlusC(order.packageType)) return true;
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const text = normalizeKeywordText([
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order.productName,
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order.packageName,
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order.packageTypeName,
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order.goodsName,
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order.product,
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order.productTitle,
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order.productNo,
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].filter(Boolean).join(' '));
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const keywords = Array.isArray(cfg.plusCKeywords) && cfg.plusCKeywords.length
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? cfg.plusCKeywords
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: DEFAULT_CONFIG.plusCKeywords;
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return keywords.some(keyword => text.includes(normalizeKeywordText(keyword)));
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}
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function resolveVehicleAgeStartDate(n) {
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const order = n.order || {};
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const candidates = [
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['firstRegistrationDate', firstValue(order, ['firstRegistrationDate', 'registrationDate', 'registerDate', 'vehicleRegisterDate', 'licenseRegisterDate'])],
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['orderPurchaseDate', firstValue(order, ['carPurchaseTime', 'purchaseTime', 'purchaseDate'])],
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['invoiceIssueDate', firstValue(n.invoiceFields, ['issueDate', '开票日期', 'date'])],
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];
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for (const [source, value] of candidates) {
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const date = parseDate(value);
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if (date) return { source, date };
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}
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return { source: '', date: null };
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}
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function containsAny(text, keywords) {
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const value = str(text).toUpperCase();
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return keywords.some(k => value.includes(String(k).toUpperCase()));
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}
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function isMissingCritical(status, reason) {
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return {
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id: '',
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name: '',
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status,
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reason,
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evidence: {},
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};
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}
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function rule(id, name, status, reason, evidence = {}) {
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return { id, name, status, reason, evidence };
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}
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function compareRequired(left, right) {
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if (!left || !right) return 'MISSING';
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return left === right ? 'MATCH' : 'MISMATCH';
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}
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function compareLoose(left, right) {
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if (!left || !right) return 'MISSING';
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const a = normLoose(left);
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const b = normLoose(right);
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if (a === b) return 'MATCH';
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if (a.includes(b) || b.includes(a)) return 'PARTIAL';
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return 'MISMATCH';
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}
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function normalizeInputs(input) {
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const order = input.order || {};
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const idFields = fieldsOf(input.idCardOcr);
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const invoiceFields = fieldsOf(input.vehicleInvoiceOcr);
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return {
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order,
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idFields,
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invoiceFields,
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orderName: normName(firstValue(order, ['cardName', 'ownerName', 'customerName', 'name', 'buyerName'])),
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orderIdNumber: normId(firstValue(order, ['cardNumber', 'idNumber', 'idCardNo', 'certificateNo', 'cardNo'])),
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orderVin: normVin(firstValue(order, ['carFrame', 'vin', 'frameNo', 'vehicleVin'])),
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orderEngineNo: normLoose(firstValue(order, ['engineNo', 'engineNumber'])),
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orderModel: str(firstValue(order, ['modelName', 'carModel', 'vehicleModel', 'productName'])),
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orderPurchaseDate: parseDate(firstValue(order, ['carPurchaseTime', 'purchaseTime', 'purchaseDate'])),
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orderCreateDate: parseDate(firstValue(order, ['createTime', 'createdAt', 'createDate'])) || new Date(),
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idName: normName(firstValue(idFields, ['name', '姓名'])),
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idNumber: normId(firstValue(idFields, ['idNumber', 'cardNumber', '公民身份号码', '身份证号'])),
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invoiceBuyerName: normName(firstValue(invoiceFields, ['buyerName', '购买方名称', '购买方'])),
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invoiceVin: normVin(firstValue(invoiceFields, ['vin', '车辆识别代号/车架号码', '车架号码', 'VIN'])),
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invoiceEngineNo: normLoose(firstValue(invoiceFields, ['engineNo', '发动机号码', '发动机号'])),
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invoiceIssueDate: parseDate(firstValue(invoiceFields, ['issueDate', '开票日期', 'date'])),
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invoiceVehicleType: str(firstValue(invoiceFields, ['vehicleType', '车辆类型'])),
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invoiceBrandModel: str(firstValue(invoiceFields, ['brandModel', '厂牌型号', '品牌型号'])),
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invoiceSellerName: str(firstValue(invoiceFields, ['sellerName', '销货单位名称', '销售方名称'])),
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};
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}
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function auditPublicVehicle(n, cfg) {
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const carHost = n.order.carHost;
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const hostText = str(carHost);
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const companyNames = [n.invoiceBuyerName, n.orderName].filter(Boolean).filter(v => COMPANY_SUFFIX_RE.test(v));
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const publicHost = carHost !== undefined && carHost !== null && hostText !== '' && !['0', '个人', 'PERSONAL', 'false'].includes(hostText);
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if (cfg.allowCompanyVehicle) {
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return rule('R1_PUBLIC_VEHICLE', '公户车检查', 'PASS', '配置允许公户车', { carHost, companyNames });
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}
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if (publicHost || companyNames.length) {
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return rule('R1_PUBLIC_VEHICLE', '公户车检查', 'REJECT', '发现公户车或企业购买方特征', { carHost, companyNames });
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}
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return rule('R1_PUBLIC_VEHICLE', '公户车检查', 'PASS', '未发现公户车特征', { carHost, buyerName: n.invoiceBuyerName });
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}
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function auditBuyerName(n, cfg) {
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const cmp = compareRequired(n.orderName, n.invoiceBuyerName);
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const evidence = { orderName: n.orderName, invoiceBuyerName: n.invoiceBuyerName };
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if (cmp === 'MATCH') return rule('R2_BUYER_NAME', '购买方名称比对', 'PASS', '订单客户姓名与发票购买方一致', evidence);
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if (cmp === 'MISSING') {
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return rule('R2_BUYER_NAME', '购买方名称比对', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', '订单客户姓名或发票购买方缺失', evidence);
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}
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return rule('R2_BUYER_NAME', '购买方名称比对', 'MANUAL_REVIEW', '订单客户姓名与发票购买方不一致，需人工核验是否代购或录入错误', evidence);
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}
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function auditPurchaseAge(n, cfg) {
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const purchaseDate = n.invoiceIssueDate || n.orderPurchaseDate;
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const refDate = n.orderCreateDate || new Date();
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const evidence = {
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invoiceIssueDate: formatDate(n.invoiceIssueDate),
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orderPurchaseDate: formatDate(n.orderPurchaseDate),
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referenceDate: formatDate(refDate),
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maxPurchaseAgeDays: cfg.maxPurchaseAgeDays,
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};
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if (isPlusCOrder(n.order, cfg)) {
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return rule('R3_PURCHASE_AGE', '购车时间超期', 'PASS', 'Plus C/代步权益产品按5年车龄限制执行，不适用新车购车时间阈值', evidence);
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}
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if (!purchaseDate) {
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return rule('R3_PURCHASE_AGE', '购车时间超期', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', '发票开票日期和订单购车时间均缺失', evidence);
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}
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const ageDays = daysBetween(purchaseDate, refDate);
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evidence.ageDays = ageDays;
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if (ageDays < -7) return rule('R3_PURCHASE_AGE', '购车时间超期', 'MANUAL_REVIEW', '购车日期晚于订单创建日期，需核验日期来源', evidence);
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if (ageDays > cfg.maxPurchaseAgeDays) return rule('R3_PURCHASE_AGE', '购车时间超期', 'MANUAL_REVIEW', '购车日期超过配置阈值', evidence);
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return rule('R3_PURCHASE_AGE', '购车时间超期', 'PASS', '购车日期在允许范围内', evidence);
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}
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function auditIdCard(n, cfg) {
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const nameCmp = compareRequired(n.orderName, n.idName);
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const idCmp = compareRequired(n.orderIdNumber, n.idNumber);
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const evidence = {
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orderName: n.orderName,
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ocrName: n.idName,
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orderIdNumber: n.orderIdNumber,
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ocrIdNumber: n.idNumber,
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};
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if (nameCmp === 'MATCH' && idCmp === 'MATCH') return rule('R4_ID_CARD', '身份证比对', 'PASS', '订单姓名和身份证号与身份证OCR一致', evidence);
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if (nameCmp === 'MISSING' || idCmp === 'MISSING') {
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return rule('R4_ID_CARD', '身份证比对', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', '订单或身份证OCR关键字段缺失', evidence);
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}
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return rule('R4_ID_CARD', '身份证比对', 'REJECT', '订单姓名或身份证号与身份证OCR不一致', evidence);
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}
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function auditInvoice(n, cfg) {
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const vinCmp = compareRequired(n.orderVin, n.invoiceVin);
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const engineCmp = compareLoose(n.orderEngineNo, n.invoiceEngineNo);
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const evidence = {
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orderVin: n.orderVin,
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invoiceVin: n.invoiceVin,
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orderEngineNo: n.orderEngineNo,
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invoiceEngineNo: n.invoiceEngineNo,
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orderModel: n.orderModel,
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invoiceBrandModel: n.invoiceBrandModel,
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sellerName: n.invoiceSellerName,
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};
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if (vinCmp === 'MISMATCH') return rule('R5_INVOICE', '发票比对', 'REJECT', '订单VIN/车架号与发票不一致', evidence);
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if (vinCmp === 'MISSING') return rule('R5_INVOICE', '发票比对', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', '订单VIN或发票VIN缺失', evidence);
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if (engineCmp === 'MISMATCH') return rule('R5_INVOICE', '发票比对', 'MANUAL_REVIEW', 'VIN一致，但发动机号不一致，需人工核验', evidence);
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return rule('R5_INVOICE', '发票比对', 'PASS', '订单VIN与发票一致，车型营销名/厂牌公告型号差异不单独作为冲突', evidence);
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}
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function auditVehicleType(n, cfg) {
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const text = `${n.invoiceVehicleType} ${n.invoiceBrandModel} ${n.orderModel}`;
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const evidence = { vehicleType: n.invoiceVehicleType, brandModel: n.invoiceBrandModel, orderModel: n.orderModel };
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if (!str(text)) return rule('R6_VEHICLE_TYPE', '车辆类型判断', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', '车辆类型和车型字段缺失', evidence);
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if (containsAny(text, cfg.rejectVehicleTypeKeywords)) return rule('R6_VEHICLE_TYPE', '车辆类型判断', 'REJECT', '车辆类型命中非目标车型或营运特征', evidence);
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if (containsAny(text, cfg.allowedVehicleTypeKeywords)) return rule('R6_VEHICLE_TYPE', '车辆类型判断', 'PASS', '车辆类型符合新车投保审核范围', evidence);
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return rule('R6_VEHICLE_TYPE', '车辆类型判断', 'MANUAL_REVIEW', '车辆类型未命中明确允许范围，需人工判断', evidence);
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}
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function auditPlusCVehicleAge(n, cfg) {
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const plusC = isPlusCOrder(n.order, cfg);
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const refDate = n.orderCreateDate || new Date();
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const start = resolveVehicleAgeStartDate(n);
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const maxYears = Number(cfg.plusCMaxVehicleAgeYears || DEFAULT_CONFIG.plusCMaxVehicleAgeYears);
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const effectiveMaxYears = Number.isFinite(maxYears) && maxYears > 0
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? maxYears
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: DEFAULT_CONFIG.plusCMaxVehicleAgeYears;
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const evidence = {
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productName: firstValue(n.order, ['productName', 'packageName', 'goodsName']),
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packageType: n.order.packageType,
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isPlusC: plusC,
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vehicleAgeStartSource: start.source,
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vehicleAgeStartDate: formatDate(start.date),
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referenceDate: formatDate(refDate),
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plusCMaxVehicleAgeYears: effectiveMaxYears,
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};
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if (!plusC) {
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return rule('R7_PLUS_C_VEHICLE_AGE', 'PlusC车龄限制', 'PASS', '非Plus C/代步权益产品，不适用5年车龄限制', evidence);
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}
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if (!start.date) {
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return rule('R7_PLUS_C_VEHICLE_AGE', 'PlusC车龄限制', cfg.manualReviewOnMissingCriticalFields ? 'MANUAL_REVIEW' : 'REJECT', 'Plus C/代步权益产品缺少车龄起算日期，无法判断是否超过5年', evidence);
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}
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const ageDays = daysBetween(start.date, refDate);
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evidence.vehicleAgeDays = ageDays;
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if (ageDays < -7) {
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return rule('R7_PLUS_C_VEHICLE_AGE', 'PlusC车龄限制', 'MANUAL_REVIEW', '车龄起算日期晚于审核基准日期，需人工核验日期来源', evidence);
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}
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evidence.vehicleAgeMonths = fullMonthsBetween(start.date, refDate);
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evidence.vehicleAgeYears = Number((Math.max(0, ageDays) / 365.25).toFixed(3));
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if (isDateAfterLimitYears(start.date, refDate, effectiveMaxYears)) {
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return rule('R7_PLUS_C_VEHICLE_AGE', 'PlusC车龄限制', 'REJECT', 'Plus C/代步权益产品不允许车龄超过5年的车辆购买', evidence);
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}
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return rule('R7_PLUS_C_VEHICLE_AGE', 'PlusC车龄限制', 'PASS', 'Plus C/代步权益产品车龄未超过5年', evidence);
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}
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function finalStatus(rules) {
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if (rules.some(r => r.status === 'REJECT')) return 'REJECT';
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if (rules.some(r => r.status === 'MANUAL_REVIEW')) return 'MANUAL_REVIEW';
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return 'PASS';
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}
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function reasonFor(status, rules) {
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if (status === 'PASS') return `${rules.length}项规则均通过`;
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const failed = rules.filter(r => r.status !== 'PASS');
|
||
return failed.map(r => `${r.name}: ${r.reason}`).join('；');
|
||
}
|
||
|
||
function scoreFor(rules) {
|
||
const score = rules.reduce((current, item) => {
|
||
if (item.status === 'REJECT') return current - 35;
|
||
if (item.status === 'MANUAL_REVIEW') return current - 15;
|
||
return current;
|
||
}, 100);
|
||
return Math.max(0, score);
|
||
}
|
||
|
||
function run(input) {
|
||
if (!input.order) throw new Error('order is required');
|
||
if (!input.idCardOcr) throw new Error('idCardOcr is required');
|
||
if (!input.vehicleInvoiceOcr) throw new Error('vehicleInvoiceOcr is required');
|
||
const cfg = { ...DEFAULT_CONFIG, ...(input.config || {}) };
|
||
emit('normalize', '归一化订单、身份证OCR和发票OCR字段');
|
||
const normalized = normalizeInputs(input);
|
||
emit('rules', '执行7条投保审核规则');
|
||
const rules = [
|
||
auditPublicVehicle(normalized, cfg),
|
||
auditBuyerName(normalized, cfg),
|
||
auditPurchaseAge(normalized, cfg),
|
||
auditIdCard(normalized, cfg),
|
||
auditInvoice(normalized, cfg),
|
||
auditVehicleType(normalized, cfg),
|
||
auditPlusCVehicleAge(normalized, cfg),
|
||
];
|
||
const status = finalStatus(rules);
|
||
const score = scoreFor(rules);
|
||
const reason = reasonFor(status, rules);
|
||
emit('complete', `审核完成: ${status}`, 'completed', { auditStatus: status, percent: 100 });
|
||
return {
|
||
success: true,
|
||
status,
|
||
score,
|
||
reason,
|
||
rules,
|
||
summary: status === 'PASS' ? '审核通过' : status === 'REJECT' ? '审核驳回' : '转人工审核',
|
||
normalized: {
|
||
orderNo: firstValue(normalized.order, ['orderNo', 'orderNum']),
|
||
orderName: normalized.orderName,
|
||
orderIdNumber: normalized.orderIdNumber,
|
||
orderVin: normalized.orderVin,
|
||
idName: normalized.idName,
|
||
idNumber: normalized.idNumber,
|
||
invoiceBuyerName: normalized.invoiceBuyerName,
|
||
invoiceVin: normalized.invoiceVin,
|
||
invoiceIssueDate: formatDate(normalized.invoiceIssueDate),
|
||
orderPurchaseDate: formatDate(normalized.orderPurchaseDate),
|
||
vehicleType: normalized.invoiceVehicleType,
|
||
brandModel: normalized.invoiceBrandModel,
|
||
},
|
||
config: cfg,
|
||
};
|
||
}
|
||
|
||
(async () => {
|
||
try {
|
||
const input = readInput();
|
||
process.stdout.write(JSON.stringify(run(input)));
|
||
} catch (err) {
|
||
process.stdout.write(JSON.stringify({
|
||
success: false,
|
||
error: err && err.message ? err.message : String(err),
|
||
}));
|
||
}
|
||
})();
|