NAC_Blockchain/_archive/standalone_acc_protocols/nac-acc-1400/src/compliance.rs

//! 合规验证系统
//! 
//! 实现投资者资格验证、持有限额检查、地域限制和监管报告生成

use std::collections::HashMap;
use serde::{Serialize, Deserialize};

/// 投资者类型
#[derive(Debug, Clone, Copy, PartialEq, Eq, Hash, Serialize, Deserialize)]
pub enum InvestorType {
    /// 零售投资者
    Retail,
    /// 认可投资者
    Accredited,
    /// 合格投资者
    Qualified,
    /// 机构投资者
    Institutional,
}

/// 投资者资格
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct InvestorQualification {
    /// 账户地址
    pub account: String,
    /// 投资者类型
    pub investor_type: InvestorType,
    /// 年收入（用于资格验证）
    pub annual_income: Option<u64>,
    /// 净资产
    pub net_worth: Option<u64>,
    /// 是否为专业投资者
    pub is_professional: bool,
    /// 资格认证时间
    pub certified_at: u64,
    /// 资格过期时间
    pub expires_at: Option<u64>,
    /// 认证机构
    pub certifier: String,
}

/// 持有限额配置
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct HoldingLimit {
    /// 限额ID
    pub id: String,
    /// 限额名称
    pub name: String,
    /// 限额类型
    pub limit_type: LimitType,
    /// 限额值
    pub limit_value: u64,
    /// 适用的投资者类型
    pub applies_to: Vec<InvestorType>,
    /// 是否启用
    pub enabled: bool,
}

/// 限额类型
#[derive(Debug, Clone, PartialEq, Eq, Serialize, Deserialize)]
pub enum LimitType {
    /// 单个账户持有上限
    MaxHoldingPerAccount,
    /// 单个账户持有下限
    MinHoldingPerAccount,
    /// 单次购买上限
    MaxPurchaseAmount,
    /// 总持有人数上限
    MaxHolderCount,
    /// 单个持有人占比上限（百分比）
    MaxOwnershipPercentage,
}

/// 地域限制
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct GeographicRestriction {
    /// 限制ID
    pub id: String,
    /// 限制类型
    pub restriction_type: GeoRestrictionType,
    /// 国家/地区代码列表
    pub regions: Vec<String>,
    /// 是否启用
    pub enabled: bool,
}

/// 地域限制类型
#[derive(Debug, Clone, Copy, PartialEq, Eq, Serialize, Deserialize)]
pub enum GeoRestrictionType {
    /// 白名单（仅允许列表中的地区）
    Whitelist,
    /// 黑名单（禁止列表中的地区）
    Blacklist,
}

/// 投资者地域信息
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct InvestorLocation {
    /// 账户地址
    pub account: String,
    /// 国家代码
    pub country_code: String,
    /// 州/省代码
    pub state_code: Option<String>,
    /// 验证时间
    pub verified_at: u64,
}

/// 监管报告类型
#[derive(Debug, Clone, Copy, PartialEq, Eq, Serialize, Deserialize)]
pub enum ReportType {
    /// 持有人报告
    HolderReport,
    /// 交易报告
    TransactionReport,
    /// 合规状态报告
    ComplianceStatusReport,
    /// 投资者分类报告
    InvestorClassificationReport,
    /// 地域分布报告
    GeographicDistributionReport,
}

/// 监管报告
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct RegulatoryReport {
    /// 报告ID
    pub id: String,
    /// 报告类型
    pub report_type: ReportType,
    /// 生成时间
    pub generated_at: u64,
    /// 报告期间开始
    pub period_start: u64,
    /// 报告期间结束
    pub period_end: u64,
    /// 报告数据（JSON格式）
    pub data: String,
    /// 生成者
    pub generated_by: String,
}

/// 合规检查结果
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct ComplianceCheckResult {
    /// 是否合规
    pub compliant: bool,
    /// 违规项
    pub violations: Vec<String>,
    /// 警告项
    pub warnings: Vec<String>,
}

/// 持有人信息
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct HolderInfo {
    /// 账户地址
    pub account: String,
    /// 持有数量
    pub amount: u64,
    /// 持有占比（百分比）
    pub percentage: u8,
}

/// 合规验证系统
#[derive(Debug)]
pub struct ComplianceSystem {
    /// 投资者资格
    qualifications: HashMap<String, InvestorQualification>,
    /// 持有限额配置
    holding_limits: HashMap<String, HoldingLimit>,
    /// 地域限制
    geo_restrictions: HashMap<String, GeographicRestriction>,
    /// 投资者地域信息
    investor_locations: HashMap<String, InvestorLocation>,
    /// 监管报告
    reports: HashMap<String, RegulatoryReport>,
    /// 持有人信息
    holders: HashMap<[u8; 32], Vec<HolderInfo>>, // security_id -> holders
    /// 下一个限额ID
    next_limit_id: u64,
    /// 下一个限制ID
    next_restriction_id: u64,
    /// 下一个报告ID
    next_report_id: u64,
}

impl ComplianceSystem {
    /// 创建新的合规验证系统
    pub fn new() -> Self {
        Self {
            qualifications: HashMap::new(),
            holding_limits: HashMap::new(),
            geo_restrictions: HashMap::new(),
            investor_locations: HashMap::new(),
            reports: HashMap::new(),
            holders: HashMap::new(),
            next_limit_id: 1,
            next_restriction_id: 1,
            next_report_id: 1,
        }
    }

    /// 设置投资者资格
    pub fn set_investor_qualification(
        &mut self,
        account: String,
        investor_type: InvestorType,
        annual_income: Option<u64>,
        net_worth: Option<u64>,
        is_professional: bool,
        certifier: String,
        expires_at: Option<u64>,
    ) -> Result<(), String> {
        // 验证资格要求
        match investor_type {
            InvestorType::Accredited => {
                // 认可投资者需要满足收入或净资产要求
                let income_qualified = annual_income.map_or(false, |i| i >= 200_000);
                let net_worth_qualified = net_worth.map_or(false, |n| n >= 1_000_000);
                
                if !income_qualified && !net_worth_qualified {
                    return Err("Accredited investor requirements not met".to_string());
                }
            }
            InvestorType::Qualified => {
                // 合格投资者需要更高的要求
                let income_qualified = annual_income.map_or(false, |i| i >= 300_000);
                let net_worth_qualified = net_worth.map_or(false, |n| n >= 2_000_000);
                
                if !income_qualified && !net_worth_qualified {
                    return Err("Qualified investor requirements not met".to_string());
                }
            }
            InvestorType::Institutional => {
                // 机构投资者需要专业认证
                if !is_professional {
                    return Err("Institutional investor must be professional".to_string());
                }
            }
            InvestorType::Retail => {
                // 零售投资者无特殊要求
            }
        }

        let qualification = InvestorQualification {
            account: account.clone(),
            investor_type,
            annual_income,
            net_worth,
            is_professional,
            certified_at: Self::current_timestamp(),
            expires_at,
            certifier,
        };

        self.qualifications.insert(account, qualification);
        Ok(())
    }

    /// 检查投资者资格
    pub fn check_investor_qualification(
        &self,
        account: &str,
        required_type: InvestorType,
    ) -> Result<(), String> {
        let qual = self.qualifications.get(account)
            .ok_or_else(|| "Investor qualification not found".to_string())?;

        // 检查是否过期
        if let Some(expires_at) = qual.expires_at {
            if Self::current_timestamp() > expires_at {
                return Err("Investor qualification has expired".to_string());
            }
        }

        // 检查投资者类型等级
        let type_level = |t: InvestorType| match t {
            InvestorType::Retail => 0,
            InvestorType::Accredited => 1,
            InvestorType::Qualified => 2,
            InvestorType::Institutional => 3,
        };

        if type_level(qual.investor_type) < type_level(required_type) {
            return Err(format!(
                "Investor type {:?} is below required type {:?}",
                qual.investor_type, required_type
            ));
        }

        Ok(())
    }

    /// 添加持有限额
    pub fn add_holding_limit(
        &mut self,
        name: String,
        limit_type: LimitType,
        limit_value: u64,
        applies_to: Vec<InvestorType>,
    ) -> String {
        let id = format!("LIMIT-{:08}", self.next_limit_id);
        self.next_limit_id += 1;

        let limit = HoldingLimit {
            id: id.clone(),
            name,
            limit_type,
            limit_value,
            applies_to,
            enabled: true,
        };

        self.holding_limits.insert(id.clone(), limit);
        id
    }

    /// 启用/禁用持有限额
    pub fn set_limit_enabled(&mut self, limit_id: &str, enabled: bool) -> Result<(), String> {
        let limit = self.holding_limits.get_mut(limit_id)
            .ok_or_else(|| "Holding limit not found".to_string())?;

        limit.enabled = enabled;
        Ok(())
    }

    /// 更新持有人信息
    pub fn update_holders(&mut self, security_id: [u8; 32], holders: Vec<HolderInfo>) {
        self.holders.insert(security_id, holders);
    }

    /// 检查持有限额
    pub fn check_holding_limits(
        &self,
        account: &str,
        security_id: &[u8; 32],
        new_amount: u64,
        total_supply: u64,
    ) -> Result<(), String> {
        let investor_type = self.qualifications.get(account)
            .map(|q| q.investor_type)
            .unwrap_or(InvestorType::Retail);

        for limit in self.holding_limits.values() {
            if !limit.enabled {
                continue;
            }

            // 检查是否适用于该投资者类型
            if !limit.applies_to.is_empty() && !limit.applies_to.contains(&investor_type) {
                continue;
            }

            match limit.limit_type {
                LimitType::MaxHoldingPerAccount => {
                    if new_amount > limit.limit_value {
                        return Err(format!(
                            "Holding amount {} exceeds maximum {}",
                            new_amount, limit.limit_value
                        ));
                    }
                }
                LimitType::MinHoldingPerAccount => {
                    if new_amount > 0 && new_amount < limit.limit_value {
                        return Err(format!(
                            "Holding amount {} is below minimum {}",
                            new_amount, limit.limit_value
                        ));
                    }
                }
                LimitType::MaxPurchaseAmount => {
                    // 这个检查应该在购买时进行
                    // 这里简化处理
                }
                LimitType::MaxHolderCount => {
                    if let Some(holders) = self.holders.get(security_id) {
                        let current_count = holders.len();
                        let is_new_holder = !holders.iter().any(|h| h.account == account);
                        
                        if is_new_holder && current_count >= limit.limit_value as usize {
                            return Err(format!(
                                "Maximum holder count {} reached",
                                limit.limit_value
                            ));
                        }
                    }
                }
                LimitType::MaxOwnershipPercentage => {
                    if total_supply > 0 {
                        let percentage = (new_amount * 100) / total_supply;
                        if percentage > limit.limit_value {
                            return Err(format!(
                                "Ownership percentage {}% exceeds maximum {}%",
                                percentage, limit.limit_value
                            ));
                        }
                    }
                }
            }
        }

        Ok(())
    }

    /// 添加地域限制
    pub fn add_geographic_restriction(
        &mut self,
        restriction_type: GeoRestrictionType,
        regions: Vec<String>,
    ) -> String {
        let id = format!("GEO-{:08}", self.next_restriction_id);
        self.next_restriction_id += 1;

        let restriction = GeographicRestriction {
            id: id.clone(),
            restriction_type,
            regions,
            enabled: true,
        };

        self.geo_restrictions.insert(id.clone(), restriction);
        id
    }

    /// 设置投资者地域信息
    pub fn set_investor_location(
        &mut self,
        account: String,
        country_code: String,
        state_code: Option<String>,
    ) {
        let location = InvestorLocation {
            account: account.clone(),
            country_code,
            state_code,
            verified_at: Self::current_timestamp(),
        };

        self.investor_locations.insert(account, location);
    }

    /// 检查地域限制
    pub fn check_geographic_restrictions(&self, account: &str) -> Result<(), String> {
        let location = self.investor_locations.get(account)
            .ok_or_else(|| "Investor location not found".to_string())?;

        for restriction in self.geo_restrictions.values() {
            if !restriction.enabled {
                continue;
            }

            let is_in_list = restriction.regions.contains(&location.country_code);

            match restriction.restriction_type {
                GeoRestrictionType::Whitelist => {
                    if !is_in_list {
                        return Err(format!(
                            "Country {} is not in whitelist",
                            location.country_code
                        ));
                    }
                }
                GeoRestrictionType::Blacklist => {
                    if is_in_list {
                        return Err(format!(
                            "Country {} is blacklisted",
                            location.country_code
                        ));
                    }
                }
            }
        }

        Ok(())
    }

    /// 执行完整的合规检查
    pub fn perform_compliance_check(
        &self,
        account: &str,
        security_id: &[u8; 32],
        amount: u64,
        total_supply: u64,
        required_investor_type: Option<InvestorType>,
    ) -> ComplianceCheckResult {
        let mut violations = Vec::new();
        let mut warnings = Vec::new();

        // 检查投资者资格
        if let Some(required_type) = required_investor_type {
            if let Err(e) = self.check_investor_qualification(account, required_type) {
                violations.push(format!("Investor qualification: {}", e));
            }
        }

        // 检查持有限额
        if let Err(e) = self.check_holding_limits(account, security_id, amount, total_supply) {
            violations.push(format!("Holding limit: {}", e));
        }

        // 检查地域限制
        if let Err(e) = self.check_geographic_restrictions(account) {
            violations.push(format!("Geographic restriction: {}", e));
        }

        // 检查资格是否即将过期
        if let Some(qual) = self.qualifications.get(account) {
            if let Some(expires_at) = qual.expires_at {
                let current_time = Self::current_timestamp();
                let days_until_expiry = (expires_at - current_time) / 86400;
                
                if days_until_expiry < 30 {
                    warnings.push(format!(
                        "Investor qualification expires in {} days",
                        days_until_expiry
                    ));
                }
            }
        }

        ComplianceCheckResult {
            compliant: violations.is_empty(),
            violations,
            warnings,
        }
    }

    /// 生成持有人报告
    pub fn generate_holder_report(
        &mut self,
        security_id: &[u8; 32],
        generated_by: String,
    ) -> Result<String, String> {
        let holders = self.holders.get(security_id)
            .ok_or_else(|| "No holder information found".to_string())?;

        let report_data = serde_json::json!({
            "security_id": format!("{:?}", security_id),
            "total_holders": holders.len(),
            "holders": holders.iter().map(|h| {
                serde_json::json!({
                    "account": h.account,
                    "amount": h.amount,
                    "percentage": h.percentage,
                })
            }).collect::<Vec<_>>(),
        });

        let report_id = format!("REPORT-{:08}", self.next_report_id);
        self.next_report_id += 1;

        let current_time = Self::current_timestamp();
        let report = RegulatoryReport {
            id: report_id.clone(),
            report_type: ReportType::HolderReport,
            generated_at: current_time,
            period_start: current_time,
            period_end: current_time,
            data: report_data.to_string(),
            generated_by,
        };

        self.reports.insert(report_id.clone(), report);
        Ok(report_id)
    }

    /// 生成投资者分类报告
    pub fn generate_investor_classification_report(
        &mut self,
        generated_by: String,
    ) -> String {
        let mut classification_counts: HashMap<InvestorType, usize> = HashMap::new();

        for qual in self.qualifications.values() {
            *classification_counts.entry(qual.investor_type).or_insert(0) += 1;
        }

        let report_data = serde_json::json!({
            "total_investors": self.qualifications.len(),
            "classification": classification_counts.iter().map(|(t, c)| {
                serde_json::json!({
                    "type": format!("{:?}", t),
                    "count": c,
                })
            }).collect::<Vec<_>>(),
        });

        let report_id = format!("REPORT-{:08}", self.next_report_id);
        self.next_report_id += 1;

        let current_time = Self::current_timestamp();
        let report = RegulatoryReport {
            id: report_id.clone(),
            report_type: ReportType::InvestorClassificationReport,
            generated_at: current_time,
            period_start: current_time,
            period_end: current_time,
            data: report_data.to_string(),
            generated_by,
        };

        self.reports.insert(report_id.clone(), report);
        report_id
    }

    /// 生成地域分布报告
    pub fn generate_geographic_distribution_report(
        &mut self,
        generated_by: String,
    ) -> String {
        let mut country_counts: HashMap<String, usize> = HashMap::new();

        for location in self.investor_locations.values() {
            *country_counts.entry(location.country_code.clone()).or_insert(0) += 1;
        }

        let report_data = serde_json::json!({
            "total_locations": self.investor_locations.len(),
            "distribution": country_counts.iter().map(|(country, count)| {
                serde_json::json!({
                    "country": country,
                    "count": count,
                })
            }).collect::<Vec<_>>(),
        });

        let report_id = format!("REPORT-{:08}", self.next_report_id);
        self.next_report_id += 1;

        let current_time = Self::current_timestamp();
        let report = RegulatoryReport {
            id: report_id.clone(),
            report_type: ReportType::GeographicDistributionReport,
            generated_at: current_time,
            period_start: current_time,
            period_end: current_time,
            data: report_data.to_string(),
            generated_by,
        };

        self.reports.insert(report_id.clone(), report);
        report_id
    }

    /// 获取报告
    pub fn get_report(&self, report_id: &str) -> Option<&RegulatoryReport> {
        self.reports.get(report_id)
    }

    /// 获取所有报告
    pub fn get_all_reports(&self) -> Vec<&RegulatoryReport> {
        self.reports.values().collect()
    }

    /// 获取投资者资格
    pub fn get_investor_qualification(&self, account: &str) -> Option<&InvestorQualification> {
        self.qualifications.get(account)
    }

    /// 获取所有持有限额
    pub fn get_all_holding_limits(&self) -> Vec<&HoldingLimit> {
        self.holding_limits.values().collect()
    }

    /// 获取所有地域限制
    pub fn get_all_geographic_restrictions(&self) -> Vec<&GeographicRestriction> {
        self.geo_restrictions.values().collect()
    }

    /// 获取当前时间戳
    fn current_timestamp() -> u64 {
        std::time::SystemTime::now()
            .duration_since(std::time::UNIX_EPOCH)
            .expect("mainnet: handle error")
            .as_secs()
    }
}

impl Default for ComplianceSystem {
    fn default() -> Self {
        Self::new()
    }
}

#[cfg(test)]
mod tests {
    use super::*;

    #[test]
    fn test_investor_qualification() {
        let mut system = ComplianceSystem::new();

        // 设置认可投资者
        let result = system.set_investor_qualification(
            "investor1".to_string(),
            InvestorType::Accredited,
            Some(250_000),
            Some(1_500_000),
            false,
            "certifier1".to_string(),
            None,
        );
        assert!(result.is_ok());

        // 检查资格
        assert!(system.check_investor_qualification("investor1", InvestorType::Retail).is_ok());
        assert!(system.check_investor_qualification("investor1", InvestorType::Accredited).is_ok());
        assert!(system.check_investor_qualification("investor1", InvestorType::Qualified).is_err());
    }

    #[test]
    fn test_holding_limits() {
        let mut system = ComplianceSystem::new();
        let security_id = [1u8; 32];

        // 添加持有上限
        system.add_holding_limit(
            "Max Holding".to_string(),
            LimitType::MaxHoldingPerAccount,
            10000,
            vec![],
        );

        // 检查限额
        assert!(system.check_holding_limits("investor1", &security_id, 5000, 100000).is_ok());
        assert!(system.check_holding_limits("investor1", &security_id, 15000, 100000).is_err());
    }

    #[test]
    fn test_geographic_restrictions() {
        let mut system = ComplianceSystem::new();

        // 添加白名单
        system.add_geographic_restriction(
            GeoRestrictionType::Whitelist,
            vec!["US".to_string(), "UK".to_string()],
        );

        // 设置投资者位置
        system.set_investor_location(
            "investor1".to_string(),
            "US".to_string(),
            Some("CA".to_string()),
        );

        system.set_investor_location(
            "investor2".to_string(),
            "CN".to_string(),
            None,
        );

        // 检查限制
        assert!(system.check_geographic_restrictions("investor1").is_ok());
        assert!(system.check_geographic_restrictions("investor2").is_err());
    }

    #[test]
    fn test_compliance_check() {
        let mut system = ComplianceSystem::new();
        let security_id = [1u8; 32];

        // 设置投资者
        system.set_investor_qualification(
            "investor1".to_string(),
            InvestorType::Accredited,
            Some(250_000),
            None,
            false,
            "certifier1".to_string(),
            None,
        ).expect("mainnet: handle error");

        system.set_investor_location(
            "investor1".to_string(),
            "US".to_string(),
            None,
        );

        // 添加限制
        system.add_holding_limit(
            "Max".to_string(),
            LimitType::MaxHoldingPerAccount,
            10000,
            vec![],
        );

        system.add_geographic_restriction(
            GeoRestrictionType::Whitelist,
            vec!["US".to_string()],
        );

        // 执行合规检查
        let result = system.perform_compliance_check(
            "investor1",
            &security_id,
            5000,
            100000,
            Some(InvestorType::Accredited),
        );

        assert!(result.compliant);
        assert!(result.violations.is_empty());
    }

    #[test]
    fn test_generate_reports() {
        let mut system = ComplianceSystem::new();
        let security_id = [1u8; 32];

        // 添加持有人信息
        let holders = vec![
            HolderInfo {
                account: "investor1".to_string(),
                amount: 1000,
                percentage: 50,
            },
            HolderInfo {
                account: "investor2".to_string(),
                amount: 1000,
                percentage: 50,
            },
        ];
        system.update_holders(security_id, holders);

        // 生成持有人报告
        let report_id = system.generate_holder_report(&security_id, "admin".to_string()).expect("mainnet: handle error");
        let report = system.get_report(&report_id).expect("mainnet: handle error");
        assert_eq!(report.report_type, ReportType::HolderReport);

        // 生成投资者分类报告
        system.set_investor_qualification(
            "investor1".to_string(),
            InvestorType::Retail,
            None,
            None,
            false,
            "certifier1".to_string(),
            None,
        ).expect("mainnet: handle error");

        let report_id = system.generate_investor_classification_report("admin".to_string());
        let report = system.get_report(&report_id).expect("mainnet: handle error");
        assert_eq!(report.report_type, ReportType::InvestorClassificationReport);
    }
}