personal-consumption-service/tests/store_embed/edges_embed_store.py

"""
风险信号 & 模糊边界库-固定结构：
{
  "signal_id": "",
  "signal_type": "",
  "signal_name": "",
  "trigger_conditions": [],
  "risk_level": "",
  "need_additional_evidence": [],
  "suggested_handling": "",
  "embedding_text": ""
}

"""
edges_embed = [
    {
        "signal_id": "EDGE-EDU-001",
        "signal_type": "教育培训灰区",
        "signal_name": "单人教育培训费用",
        "trigger_conditions": [
            "培训对象为单人",
            "无培训协议",
            "无员工培训计划"
        ],
        "risk_level": "HIGH",
        "need_additional_evidence": [
            "员工培训计划",
            "培训名单",
            "培训合同"
        ],
        "suggested_handling": "缺乏企业培训证明时，倾向判定为个人消费",
        "embedding_text": "教育培训、学费、课程费用如仅涉及单人，且缺乏员工培训计划、培训合同或培训名单，属于典型个人消费与企业培训的模糊边界，需要重点核查。"
    }
    , {
        "signal_id": "EDGE-HOBBY-001",
        "signal_type": "兴趣培训灰区",
        "signal_name": "兴趣类培训费用",
        "trigger_conditions": [
            "艺术类课程",
            "兴趣班",
            "与主营业务无关"
        ],
        "risk_level": "HIGH",
        "need_additional_evidence": [
            "品牌活动说明",
            "公益合作证明"
        ],
        "suggested_handling": "通常视为个人消费，除非明确用于企业品牌或公益项目",
        "embedding_text": "兴趣班、艺术培训、音乐、美术、舞蹈等费用明显偏向个人消费，只有在明确用于企业品牌活动或公益合作时，才可能构成合理企业支出。"
    }
    , {
        "signal_id": "EDGE-CLOTH-001",
        "signal_type": "服饰支出灰区",
        "signal_name": "非统一款式服饰采购",
        "trigger_conditions": [
            "服饰款式不统一",
            "品牌服装",
            "数量与员工人数不匹配"
        ],
        "risk_level": "MEDIUM",
        "need_additional_evidence": [
            "工装制度",
            "统一采购清单"
        ],
        "suggested_handling": "无工装或制服制度时，倾向个人消费",
        "embedding_text": "服饰、鞋帽支出若为非统一款式或品牌服装，且数量与员工人数不匹配，属于个人消费与企业工装之间的灰区信号。"
    }
    , {
        "signal_id": "EDGE-COSMETIC-001",
        "signal_type": "化妆品灰区",
        "signal_name": "日常化妆品采购",
        "trigger_conditions": [
            "护肤品",
            "美妆用品",
            "个人使用属性明显"
        ],
        "risk_level": "HIGH",
        "need_additional_evidence": [
            "影视拍摄项目说明",
            "演出化妆需求说明"
        ],
        "suggested_handling": "高度倾向个人消费",
        "embedding_text": "化妆品、护肤品、美妆用品具有明显个人使用属性，通常不属于企业经营支出，仅在影视拍摄或演出妆造场景下存在合理性。"
    }
    , {
        "signal_id": "EDGE-JEWEL-001",
        "signal_type": "奢侈品灰区",
        "signal_name": "高价值首饰或奢侈品",
        "trigger_conditions": [
            "高金额",
            "首饰",
            "奢侈品"
        ],
        "risk_level": "VERY_HIGH",
        "need_additional_evidence": [
            "客户赠送记录",
            "礼品登记台账"
        ],
        "suggested_handling": "无赠送或用途记录时，直接判定为个人消费",
        "embedding_text": "首饰、珠宝及奢侈品类支出金额高且个人属性极强，除非作为客户礼品并有完整登记，否则应高度警惕个人消费风险。"
    }
    , {
        "signal_id": "EDGE-MEDICAL-001",
        "signal_type": "体检费用灰区",
        "signal_name": "非全员体检费用",
        "trigger_conditions": [
            "体检人数少",
            "非年度体检",
            "无职业健康说明"
        ],
        "risk_level": "MEDIUM",
        "need_additional_evidence": [
            "体检制度",
            "体检人员名单"
        ],
        "suggested_handling": "倾向个人消费或个人福利",
        "embedding_text": "体检费用如非企业统一组织的全员或职业健康体检，容易落入个人消费或个人福利的模糊边界，需要核查制度与人员范围。"
    }
    , {
        "signal_id": "EDGE-HEALTH-001",
        "signal_type": "保健品福利灰区",
        "signal_name": "保健品福利发放",
        "trigger_conditions": [
            "保健品",
            "营养品",
            "员工福利名义"
        ],
        "risk_level": "MEDIUM",
        "need_additional_evidence": [
            "福利发放清单",
            "员工签收记录"
        ],
        "suggested_handling": "无福利发放记录时倾向个人消费",
        "embedding_text": "保健品、营养品费用介于个人消费与员工福利之间，若缺乏统一发放与签收记录，存在较高个人消费风险。"
    }
    , {
        "signal_id": "EDGE-ENT-001",
        "signal_type": "娱乐消费灰区",
        "signal_name": "单人娱乐消费",
        "trigger_conditions": [
            "电影票",
            "娱乐消费",
            "单人使用"
        ],
        "risk_level": "MEDIUM",
        "need_additional_evidence": [
            "团建活动说明",
            "员工参与名单"
        ],
        "suggested_handling": "无集体活动说明时倾向个人消费",
        "embedding_text": "电影票等娱乐消费若仅体现为单人使用，缺乏团建或企业文化活动说明，通常应视为个人消费。"
    }
    , {
        "signal_id": "EDGE-KTV-001",
        "signal_type": "夜间娱乐灰区",
        "signal_name": "KTV或夜间娱乐支出",
        "trigger_conditions": [
            "KTV",
            "夜间娱乐",
            "金额偏高"
        ],
        "risk_level": "HIGH",
        "need_additional_evidence": [
            "接待对象说明",
            "参与人员名单"
        ],
        "suggested_handling": "无明确接待对象时倾向个人消费",
        "embedding_text": "KTV及夜间娱乐支出容易混淆个人娱乐与客户接待，若无明确接待对象和业务背景说明，应重点关注个人消费风险。"
    }
    , {
        "signal_id": "EDGE-FIT-001",
        "signal_type": "健身消费灰区",
        "signal_name": "长期个人健身卡",
        "trigger_conditions": [
            "健身卡",
            "年卡",
            "个人会员"
        ],
        "risk_level": "HIGH",
        "need_additional_evidence": [
            "员工福利制度",
            "健身卡发放名单"
        ],
        "suggested_handling": "无福利制度时视为个人消费",
        "embedding_text": "健身卡、运动年卡具有明显个人长期使用属性，若非企业统一福利发放，通常应认定为个人消费。"
    }
    , {
        "signal_id": "EDGE-TRAVEL-001",
        "signal_type": "旅游费用灰区",
        "signal_name": "无会议说明的旅游费用",
        "trigger_conditions": [
            "旅游服务",
            "景区门票",
            "自由行"
        ],
        "risk_level": "VERY_HIGH",
        "need_additional_evidence": [
            "会议通知",
            "团建行程",
            "参会人员名单"
        ],
        "suggested_handling": "无行程与会议说明时视为个人消费",
        "embedding_text": "旅游费用、景区门票若缺乏会议、培训或团建行程说明，通常属于个人消费，属于高风险模糊边界场景。"
    }
]

edges_embed_update = [
    {
        "signal_id": "EDGE-SHOP-001",
        "signal_type": "MERCHANT_CONTEXT",
        "signal_name": "高个人消费倾向商户的小额日用品交易",
        "trigger_conditions": [
            "销售方为山姆会员商店、Costco 等会员制零售商",
            "商品类别为卷纸、湿巾、洗发水等日常生活用品",
            "交易金额低于100元且为单件购买"
        ],
        "risk_level": "MEDIUM",
        "need_additional_evidence": [
            "内部采购申请单",
            "行政物资领用记录",
            "集体使用场景说明（如会议、值班）"
        ],
        "suggested_handling": "建议要求补充用途说明材料，否则暂不纳入可报销范围",
        "embedding_text": "当发票来自山姆会员商店等以个人消费者为主要服务对象的仓储式零售商，且购买内容为MM经典卷纸等日常个护类商品时，系统应触发‘高个人消费倾向’预警信号。此类交易虽形式合法，但实质上存在将私人支出转为企业成本的风险。建议企业设置自动化提醒机制，在无附加证明文件的情况下限制此类发票自动通过审核流程。"
    }
]