refactor: add rule engine, risk service, quote state machine, and replay tests

services/risk_service.py

@@ -0,0 +1,78 @@
+from __future__ import annotations
+
+from dataclasses import dataclass
+from typing import Any, Callable, Dict, Awaitable
+
+from db.customer_risk_db import risk_db
+from utils.content_filter import should_block_customer_smart
+
+
+@dataclass
+class RiskDecision:
+    blocked: bool
+    category: str = "none"
+    reason: str = ""
+    source: str = "none"  # manual/ai_filter/fallback
+    profile: Dict[str, Any] | None = None
+
+
+class RiskService:
+    def evaluate_customer(self, customer_id: str) -> Dict[str, Any]:
+        return risk_db.evaluate_customer(customer_id)
+
+    def check_manual_block(self, customer_id: str) -> RiskDecision:
+        profile = self.evaluate_customer(customer_id)
+        if bool(profile.get("do_not_serve")):
+            return RiskDecision(
+                blocked=True,
+                category="manual_block",
+                reason="do_not_serve",
+                source="manual",
+                profile=profile,
+            )
+        return RiskDecision(blocked=False, source="manual", profile=profile)
+
+    async def check_text_block(
+        self,
+        text: str,
+        *,
+        political_detector: Callable[[str], bool],
+        map_detector: Callable[[str], bool],
+    ) -> RiskDecision:
+        try:
+            hit, category, reason = await should_block_customer_smart(text)
+            map_hit = map_detector(text) or category == "map"
+            political_hit = political_detector(text) or category == "political"
+            if hit or map_hit or political_hit:
+                c = category
+                if map_hit:
+                    c = "map"
+                elif political_hit:
+                    c = "political"
+                return RiskDecision(
+                    blocked=True,
+                    category=c or "other",
+                    reason=reason or "sensitive_text",
+                    source="ai_filter",
+                )
+            return RiskDecision(blocked=False, category="none", source="ai_filter")
+        except Exception:
+            map_hit = map_detector(text)
+            political_hit = political_detector(text)
+            if map_hit:
+                return RiskDecision(blocked=True, category="map", reason="fallback_match", source="fallback")
+            if political_hit:
+                return RiskDecision(blocked=True, category="political", reason="fallback_match", source="fallback")
+            return RiskDecision(blocked=False, category="none", source="fallback")
+
+    @staticmethod
+    def build_reject_text(category: str) -> str:
+        if category == "map":
+            return "地图这类不做哈，这边不接地图相关需求。"
+        if category == "sexual":
+            return "这类不做哈，涉黄擦边内容都不接。"
+        if category == "violent":
+            return "这类不做哈，暴力血腥相关都不接。"
+        if category == "political":
+            return "这类不做哈，政治相关图片和人物都不接。"
+        return "这类不做哈，这边不接这类需求。"