//! AI验证器模块 //! //! 实现KYC、AML、风险评估和智能决策引擎 use crate::compliance_layer::*; use crate::error::*; use serde::{Deserialize, Serialize}; use std::collections::HashMap; use async_trait::async_trait; /// 合规数据 #[derive(Debug, Clone, Serialize, Deserialize)] pub struct ComplianceData { /// 用户ID pub user_id: String, /// 资产ID pub asset_id: Option, /// 数据字段 pub fields: HashMap, /// 元数据 pub metadata: HashMap, } impl ComplianceData { /// 创建新的合规数据 pub fn new(user_id: String) -> Self { Self { user_id, asset_id: None, fields: HashMap::new(), metadata: HashMap::new(), } } /// 设置资产ID pub fn with_asset_id(mut self, asset_id: String) -> Self { self.asset_id = Some(asset_id); self } /// 添加字段 pub fn add_field(&mut self, key: String, value: T) -> Result<()> { self.fields.insert(key, serde_json::to_value(value)?); Ok(()) } /// 获取字段 pub fn get_field Deserialize<'de>>(&self, key: &str) -> Result> { match self.fields.get(key) { Some(value) => Ok(Some(serde_json::from_value(value.clone())?)), None => Ok(None), } } /// 添加元数据 pub fn add_metadata(&mut self, key: String, value: String) { self.metadata.insert(key, value); } } /// AI验证器trait #[async_trait] pub trait AIValidator: Send + Sync { /// 验证数据 async fn validate(&self, data: &ComplianceData) -> Result; /// 获取验证器名称 fn name(&self) -> &str; /// 获取验证器版本 fn version(&self) -> &str; } /// KYC验证器 pub struct KYCValidator { /// 最小置信度阈值 min_confidence: f64, } impl KYCValidator { /// 创建新的KYC验证器 pub fn new() -> Self { Self { min_confidence: 0.8, } } /// 设置最小置信度 pub fn with_min_confidence(mut self, confidence: f64) -> Self { self.min_confidence = confidence; self } /// 验证身份文件 fn verify_identity_documents(&self, data: &ComplianceData) -> Result { // 模拟AI模型验证身份文件 // 实际实现应调用真实的AI模型 let has_passport: bool = data.get_field("has_passport")?.unwrap_or(false); let has_id_card: bool = data.get_field("has_id_card")?.unwrap_or(false); let has_driver_license: bool = data.get_field("has_driver_license")?.unwrap_or(false); let mut confidence = 0.0; if has_passport { confidence += 0.4; } if has_id_card { confidence += 0.3; } if has_driver_license { confidence += 0.3; } Ok(confidence) } /// 验证地址证明 fn verify_address_proof(&self, data: &ComplianceData) -> Result { let has_utility_bill: bool = data.get_field("has_utility_bill")?.unwrap_or(false); let has_bank_statement: bool = data.get_field("has_bank_statement")?.unwrap_or(false); let mut confidence = 0.0; if has_utility_bill { confidence += 0.5; } if has_bank_statement { confidence += 0.5; } Ok(confidence) } } impl Default for KYCValidator { fn default() -> Self { Self::new() } } #[async_trait] impl AIValidator for KYCValidator { async fn validate(&self, data: &ComplianceData) -> Result { let identity_confidence = self.verify_identity_documents(data)?; let address_confidence = self.verify_address_proof(data)?; let confidence = (identity_confidence + address_confidence) / 2.0; let (status, risk_level) = if confidence >= self.min_confidence { (ComplianceStatus::Passed, RiskLevel::Low) } else if confidence >= 0.6 { (ComplianceStatus::ConditionalPass, RiskLevel::Medium) } else if confidence >= 0.4 { (ComplianceStatus::ManualReview, RiskLevel::High) } else { (ComplianceStatus::Failed, RiskLevel::Critical) }; let mut issues = Vec::new(); if identity_confidence < 0.5 { issues.push(ComplianceIssue { code: "KYC001".to_string(), description: "身份文件验证不足".to_string(), severity: IssueSeverity::Warning, regulations: vec!["KYC规范".to_string()], }); } Ok(ComplianceResult { layer: ComplianceLayer::IdentityVerification, status, confidence, risk_level, details: format!("KYC验证完成,置信度: {:.2}", confidence), issues, recommendations: vec!["建议提供更多身份证明文件".to_string()], timestamp: chrono::Utc::now(), }) } fn name(&self) -> &str { "KYC Validator" } fn version(&self) -> &str { "1.0.0" } } /// AML验证器 pub struct AMLValidator { /// 风险阈值 risk_threshold: f64, } impl AMLValidator { /// 创建新的AML验证器 pub fn new() -> Self { Self { risk_threshold: 0.7, } } /// 检查黑名单 fn check_blacklist(&self, data: &ComplianceData) -> Result { // 模拟检查黑名单 let is_blacklisted: bool = data.get_field("is_blacklisted")?.unwrap_or(false); Ok(is_blacklisted) } /// 检查交易模式 fn check_transaction_pattern(&self, data: &ComplianceData) -> Result { // 模拟AI模型分析交易模式 let transaction_count: u32 = data.get_field("transaction_count")?.unwrap_or(0); let high_value_count: u32 = data.get_field("high_value_count")?.unwrap_or(0); let risk_score = if transaction_count > 100 && high_value_count > 10 { 0.8 } else if transaction_count > 50 { 0.5 } else { 0.2 }; Ok(risk_score) } } impl Default for AMLValidator { fn default() -> Self { Self::new() } } #[async_trait] impl AIValidator for AMLValidator { async fn validate(&self, data: &ComplianceData) -> Result { let is_blacklisted = self.check_blacklist(data)?; let risk_score = self.check_transaction_pattern(data)?; let (status, risk_level, confidence) = if is_blacklisted { (ComplianceStatus::Failed, RiskLevel::Critical, 0.0) } else if risk_score >= self.risk_threshold { (ComplianceStatus::ManualReview, RiskLevel::High, 0.3) } else if risk_score >= 0.5 { (ComplianceStatus::ConditionalPass, RiskLevel::Medium, 0.6) } else { (ComplianceStatus::Passed, RiskLevel::Low, 0.9) }; let mut issues = Vec::new(); if is_blacklisted { issues.push(ComplianceIssue { code: "AML001".to_string(), description: "用户在黑名单中".to_string(), severity: IssueSeverity::Critical, regulations: vec!["反洗钱法".to_string()], }); } Ok(ComplianceResult { layer: ComplianceLayer::IdentityVerification, status, confidence, risk_level, details: format!("AML验证完成,风险评分: {:.2}", risk_score), issues, recommendations: if risk_score > 0.5 { vec!["建议进行人工审核".to_string()] } else { vec![] }, timestamp: chrono::Utc::now(), }) } fn name(&self) -> &str { "AML Validator" } fn version(&self) -> &str { "1.0.0" } } /// 风险评估引擎 pub struct RiskAssessmentEngine { /// 风险因子权重 risk_weights: HashMap, } impl RiskAssessmentEngine { /// 创建新的风险评估引擎 pub fn new() -> Self { let mut risk_weights = HashMap::new(); risk_weights.insert("kyc_risk".to_string(), 0.3); risk_weights.insert("aml_risk".to_string(), 0.3); risk_weights.insert("asset_risk".to_string(), 0.2); risk_weights.insert("legal_risk".to_string(), 0.2); Self { risk_weights } } /// 计算综合风险评分 pub fn calculate_risk(&self, data: &ComplianceData) -> Result { let mut total_risk = 0.0; for (factor, weight) in &self.risk_weights { let risk: f64 = data.get_field(factor)?.unwrap_or(0.0); total_risk += risk * weight; } Ok(total_risk) } /// 评估风险等级 pub fn assess_risk_level(&self, risk_score: f64) -> RiskLevel { if risk_score >= 0.8 { RiskLevel::Critical } else if risk_score >= 0.6 { RiskLevel::High } else if risk_score >= 0.4 { RiskLevel::Medium } else { RiskLevel::Low } } } impl Default for RiskAssessmentEngine { fn default() -> Self { Self::new() } } /// 智能决策引擎 pub struct DecisionEngine { /// 决策规则 rules: Vec, } #[derive(Debug, Clone)] pub struct DecisionRule { /// 规则ID pub id: String, /// 规则名称 pub name: String, /// 条件 pub condition: String, /// 动作 pub action: DecisionAction, } #[derive(Debug, Clone)] pub enum DecisionAction { /// 批准 Approve, /// 拒绝 Reject, /// 人工审核 ManualReview, /// 有条件批准 ConditionalApprove(String), } impl DecisionEngine { /// 创建新的决策引擎 pub fn new() -> Self { Self { rules: Vec::new(), } } /// 添加规则 pub fn add_rule(&mut self, rule: DecisionRule) { self.rules.push(rule); } /// 执行决策 pub fn make_decision(&self, results: &[ComplianceResult]) -> DecisionAction { // 检查是否有任何层级失败 if results.iter().any(|r| r.status == ComplianceStatus::Failed) { return DecisionAction::Reject; } // 检查是否有高风险或极高风险 if results.iter().any(|r| r.risk_level >= RiskLevel::High) { return DecisionAction::ManualReview; } // 检查是否有需要人工审核的 if results.iter().any(|r| r.status == ComplianceStatus::ManualReview) { return DecisionAction::ManualReview; } // 检查是否有条件通过 if results.iter().any(|r| r.status == ComplianceStatus::ConditionalPass) { return DecisionAction::ConditionalApprove("需要满足额外条件".to_string()); } // 所有层级都通过 DecisionAction::Approve } } impl Default for DecisionEngine { fn default() -> Self { Self::new() } } #[cfg(test)] mod tests { use super::*; #[tokio::test] async fn test_kyc_validator() { let validator = KYCValidator::new(); let mut data = ComplianceData::new("user123".to_string()); data.add_field("has_passport".to_string(), true).unwrap(); data.add_field("has_id_card".to_string(), true).unwrap(); data.add_field("has_utility_bill".to_string(), true).unwrap(); data.add_field("has_bank_statement".to_string(), true).unwrap(); let result = validator.validate(&data).await.unwrap(); assert_eq!(result.status, ComplianceStatus::Passed); } #[tokio::test] async fn test_aml_validator() { let validator = AMLValidator::new(); let mut data = ComplianceData::new("user123".to_string()); data.add_field("is_blacklisted".to_string(), false).unwrap(); data.add_field("transaction_count".to_string(), 10u32).unwrap(); let result = validator.validate(&data).await.unwrap(); assert_eq!(result.status, ComplianceStatus::Passed); } #[test] fn test_risk_assessment() { let engine = RiskAssessmentEngine::new(); let mut data = ComplianceData::new("user123".to_string()); data.add_field("kyc_risk".to_string(), 0.2).unwrap(); data.add_field("aml_risk".to_string(), 0.3).unwrap(); let risk = engine.calculate_risk(&data).unwrap(); assert!(risk > 0.0 && risk < 1.0); } #[test] fn test_decision_engine() { let engine = DecisionEngine::new(); let results = vec![ ComplianceResult { layer: ComplianceLayer::IdentityVerification, status: ComplianceStatus::Passed, confidence: 0.9, risk_level: RiskLevel::Low, details: "Test".to_string(), issues: vec![], recommendations: vec![], timestamp: chrono::Utc::now(), } ]; let decision = engine.make_decision(&results); matches!(decision, DecisionAction::Approve); } }