feat(persona): 折扣锚点特征(D.1.3)+ 修 spec naive 点

- DW 无 original_amount;discount_*_rate 实为折扣金额(应收3-dept0.45=实收2.55)→
  折扣率=1-Σ折扣/应收。摄入 payment_record.content.discount_cents + settlement_project(重摄)。
- discount_anchor:取真实治疗最深【部分】折扣 + 日期/项目。
- ⚠️ 修 spec 两个 naive 点:① 免费洁牙/检查促销(100%off=0折)会霸占锚点→只看原价≥¥500+ratio>0;
  ② 保险方付款非诊所折扣→排除 discount_insurance_rate(只算科室/公司/卡)。
- 本地 338 患者:avg 6.4折,样例合理(种植9.4折/修复/促销2.9-5.1折)。
- ⚠️ 留口径:近免费(>90%off)comp/全保 是否算锚点;¥500 阈值可调。

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

apps/pac-service/data/jvs-dw/assemblers/payment.yaml

@@ -33,6 +33,12 @@ field_mapping:
   # 卡券名称(B.1.3 权益身份关键词匹配源:储值/儿牙/银行私行/商保/医保)
   cardTypeName:      card_type_name
   cardName:          card_name
+  # 折扣锚点(D.1.3):4 渠道折扣额(元)+ 项目名;折扣率=1-Σ折扣/应收(parser 算)
+  discountDept:      discount_dept_rate
+  discountCompany:   discount_company_rate
+  discountInsurance: discount_insurance_rate
+  discountCard:      discount_card_rate
+  settlementProject: settlement_project_name
   # 商业保险公司名(settlement_mode_out.insurance_name)— 喂 persona「权益身份」特征。
   #   保司名脏(57 个别名),归一在 entitlement-status.feature 的 canonicalInsurer 里做;
   #   此处原样带入 fact.content.insurance_name(单一收口),非空即"商保结算"强信号。

apps/pac-service/src/modules/persona/features/discount-anchor.feature.ts

+import { Injectable } from '@nestjs/common';
+import { PersonaFeatureKey, FactType } from '@pac/types';
+import type {
+  ActiveFact,
+  FeatureExtractor,
+  FeatureExtractorContext,
+  PersonaFeatureDraft,
+} from './feature.interface';
+
+/**
+ * discount_anchor 折扣锚点(D.1.3)— 规则层,snapshot
+ *
+ * 标签:历史最大折扣力度(最低折扣率)+ 对应结算日期/项目。销售推优惠的价格底线参考。
+ *
+ * 数据源:payment_record.content(摄入自结算):amount_cents=应收(原价)、discount_cents=折扣额(分,4渠道和)。
+ *   ⚠️ DW 无 original_amount 字段;折扣率 = (应收−折扣)/应收 = 1 − discount_cents/amount_cents
+ *      (discount_*_rate 实为折扣金额,非比率;储值卡 settlement_money=0 但 discount=0,口径稳)。
+ *
+ * 算法:遍历"真实治疗的部分折扣"结算,取最小折扣率(力度最大)+ 保留日期/项目。
+ *   无折扣记录 → 不打标签(业务:无锚点则换推增值权益而非直接降价)。
+ *   ⚠️ 修正 spec naive 点:原"遍历全部结算"会被免费洁牙/检查促销(100%off=0折)霸占,
+ *      锚点失去"价格底线"意义。故只看 原价≥¥500(真实治疗,排基础/促销小项)且 ratio>0
+ *      (排全免 comp)——锚点 = 真实治疗上谈到的最深【部分】折扣。¥500 阈值可调(口径)。
+ */
+@Injectable()
+export class DiscountAnchorFeatureExtractor implements FeatureExtractor {
+  readonly key = PersonaFeatureKey.DISCOUNT_ANCHOR;
+
+  private static readonly MIN_ORIGINAL_CENTS = 50000; // ¥500:真实治疗,排基础/促销小项
+
+  extract(ctx: FeatureExtractorContext): PersonaFeatureDraft | null {
+    const pays = (ctx.factsByType.get(FactType.PAYMENT_RECORD) ?? []) as ActiveFact[];
+    let minRatio = Infinity;
+    let anchorAt: Date | null = null;
+    let project: string | null = null;
+    let anchorAmount = 0;
+    let anchorDiscount = 0;
+
+    for (const f of pays) {
+      const c = (f.content ?? {}) as Record<string, unknown>;
+      const amount = Number(c.amount_cents ?? 0); // 应收(原价)
+      const disc = Number(c.discount_cents ?? 0);
+      if (amount < DiscountAnchorFeatureExtractor.MIN_ORIGINAL_CENTS || disc <= 0) continue; // ≥¥500 真实治疗 + 有折扣
+      const ratio = Math.max(0, Math.min(1, (amount - disc) / amount));
+      if (ratio <= 0) continue; // 排全免 comp(0折不是可参考的销售折扣)
+      if (ratio < minRatio) {
+        minRatio = ratio;
+        anchorAt = f.occurredAt ?? null;
+        project = String(c.settlement_project ?? '').trim() || null;
+        anchorAmount = amount;
+        anchorDiscount = disc;
+      }
+    }
+    if (!Number.isFinite(minRatio)) return null; // 从无折扣 → 无锚点
+
+    const zhe = (minRatio * 10).toFixed(1); // 0.85 → 8.5折
+    const dateStr = anchorAt ? anchorAt.toISOString().slice(0, 10) : null;
+    const projStr = project ? ` · ${project}` : '';
+    return {
+      key: this.key,
+      description: `最大折扣力度 ${zhe}折${dateStr ? ` · ${dateStr}` : ''}${projStr}`,
+      score: null,
+      data: {
+        minDiscount: Math.round(minRatio * 100) / 100, // 折扣率 0-1
+        anchorDate: dateStr,
+        project,
+        anchorAmountCents: anchorAmount,
+        anchorDiscountCents: anchorDiscount,
+      },
+      evidence: { factIds: [] },
+    };
+  }
+}

apps/pac-service/src/modules/persona/features/feature.registry.ts

@@ -11,6 +11,7 @@ import { ReferralChampionFeatureExtractor } from './referral-champion.feature';
 import { LifecycleStageFeatureExtractor } from './lifecycle-stage.feature';
 import { TreatmentHistoryFeatureExtractor } from './treatment-history.feature';
 import { TimePreferenceFeatureExtractor } from './time-preference.feature';
+import { DiscountAnchorFeatureExtractor } from './discount-anchor.feature';
 
 /**
  * FeatureRegistry — 收集所有 PersonaFeature 提取器。
@@ -34,9 +35,10 @@ export class FeatureRegistry {
     lifecycle: LifecycleStageFeatureExtractor,
     treatmentHistory: TreatmentHistoryFeatureExtractor,
     timePref: TimePreferenceFeatureExtractor,
+    discountAnchor: DiscountAnchorFeatureExtractor,
     dnc: DoNotContactStatusFeatureExtractor,
     entitlement: EntitlementStatusFeatureExtractor,
   ) {
-    this.extractors = [rfm, age, gender, acquisition, family, referral, lifecycle, treatmentHistory, timePref, dnc, entitlement];
+    this.extractors = [rfm, age, gender, acquisition, family, referral, lifecycle, treatmentHistory, timePref, discountAnchor, dnc, entitlement];
   }
 }

apps/pac-service/src/modules/persona/persona.module.ts

@@ -13,6 +13,7 @@ import { ReferralChampionFeatureExtractor } from './features/referral-champion.f
 import { LifecycleStageFeatureExtractor } from './features/lifecycle-stage.feature';
 import { TreatmentHistoryFeatureExtractor } from './features/treatment-history.feature';
 import { TimePreferenceFeatureExtractor } from './features/time-preference.feature';
+import { DiscountAnchorFeatureExtractor } from './features/discount-anchor.feature';
 
 @Module({
   controllers: [PersonaController],
@@ -29,6 +30,7 @@ import { TimePreferenceFeatureExtractor } from './features/time-preference.featu
     LifecycleStageFeatureExtractor,
     TreatmentHistoryFeatureExtractor,
     TimePreferenceFeatureExtractor,
+    DiscountAnchorFeatureExtractor,
     DoNotContactStatusFeatureExtractor,
     EntitlementStatusFeatureExtractor,
   ],

apps/pac-service/src/modules/sync/pipeline/fact-content-schemas.ts

@@ -342,6 +342,9 @@ const PaymentRecordContent = z
     /// 卡券类型名 / 卡券名(可空)— B.1.3 权益身份关键词匹配源(储值/儿牙/银行私行等)
     card_type_name: nullableString(),
     card_name: nullableString(),
+    /// 折扣额(分,4 渠道求和)+ 结算项目名 — D.1.3 折扣锚点(折扣率=1-discount/应收)
+    discount_cents: z.number().int().optional().nullable(),
+    settlement_project: nullableString(),
     /// 收费医生 id(host 侧)— 医患关系信号(患者主要花钱给哪个医生)
     doctor_id: nullableString(),
     /// 关联接诊 id(反查"这次收款关联哪次接诊")

apps/pac-service/src/modules/sync/pipeline/parsers/payment.parser.ts

@@ -51,6 +51,14 @@ export class PaymentParser implements Parser {
     // String() 强转 — host 偶有数字型卡券值(.trim 直接调会炸)。
     const cardTypeName = String(c.cardTypeName ?? '').trim() || null;
     const cardName = String(c.cardName ?? '').trim() || null;
+    // 折扣锚点(D.1.3):诊所可控折扣额(元)→ 分;折扣率 = 1 - 折扣/应收(feature 算)。
+    // ⚠️ 排除 discount_insurance_rate(保险方付款,非诊所价格折扣;不进"价格底线"锚点)。
+    const discYuan =
+      Number(c.discountDept ?? 0) +
+      Number(c.discountCompany ?? 0) +
+      Number(c.discountCard ?? 0);
+    const discountCents = Number.isFinite(discYuan) ? Math.round(discYuan * 100) : 0;
+    const settlementProject = String(c.settlementProject ?? '').trim() || null;
 
     return [
       {
@@ -69,6 +77,8 @@ export class PaymentParser implements Parser {
           insurance_name: insuranceName,
           card_type_name: cardTypeName,
           card_name: cardName,
+          discount_cents: discountCents,
+          settlement_project: settlementProject,
           doctor_id: doctorId,
           encounter_external_id: encounterExternalId,
           related_order_external_id: orderExternalId,

packages/types/src/enums/index.ts

@@ -390,6 +390,7 @@ export const PersonaFeatureKey = {
   LIFECYCLE_STAGE: 'lifecycle_stage', // 生命周期(潜客..流失客;时间+消费规则)
   TREATMENT_HISTORY: 'treatment_history', // 治疗史(种植/正畸/修复/牙周;读 treatment category)
   TIME_PREFERENCE: 'time_preference', // 时间偏好(工作日/周末/上午/下午/晚间;预约时刻统计)
+  DISCOUNT_ANCHOR: 'discount_anchor', // 折扣锚点(历史最低折扣率+日期;价格底线参考)
 
   // v1 候选(规则路径,业务方反馈后逐步上)
   ENTITLEMENT_STATUS: 'entitlement_status', // 权益身份(商保直付 / 医保 / 储值 / 私行;事实投影型,史+最近日期)

packages/types/src/labels.ts

@@ -47,6 +47,7 @@ export const PERSONA_FEATURE_META: Record<string, { label: string; tone: Tone }>
   [PersonaFeatureKey.LIFECYCLE_STAGE]: { label: '生命周期', tone: 'teal' },
   [PersonaFeatureKey.TREATMENT_HISTORY]: { label: '治疗史', tone: 'amber' },
   [PersonaFeatureKey.TIME_PREFERENCE]: { label: '时间偏好', tone: 'sky' },
+  [PersonaFeatureKey.DISCOUNT_ANCHOR]: { label: '折扣锚点', tone: 'rose' },
   [PersonaFeatureKey.VALUE]: { label: '患者价值', tone: 'indigo' },
   [PersonaFeatureKey.TREATMENT_CHAIN_STATUS]: { label: '治疗链状态', tone: 'amber' },
   [PersonaFeatureKey.RECALL_RISK]: { label: '流失风险', tone: 'emerald' },

packages/types/src/persona-feature-specs.ts

@@ -232,4 +232,22 @@ export const PERSONA_FEATURE_SPECS: Record<string, PersonaFeatureSpec> = {
     owner: 'pac-algo',
     version: 1,
   },
+
+  // ── D.1.3 折扣锚点(业务 CDP 口径)──
+  discount_anchor: {
+    key: 'discount_anchor',
+    nameZh: '折扣锚点',
+    tier: 'rule',
+    timeSemantics: 'lifetime',
+    labelValues: ['最低折扣率 + 对应结算时间/项目'],
+    dataSource: 'PAC payment_record.content(amount_cents=应收/原价、discount_cents=4渠道折扣额和);DW 无 original_amount,折扣率自算',
+    dataFields: ['actual_amount', 'original_amount', 'settlement_date'],
+    meaning: '客户历史结算中享受过的最大折扣力度(最低折扣率),作为销售推优惠时的价格底线参考',
+    algorithm: [
+      '遍历有折扣的结算:折扣率 = 1 − discount_cents/amount_cents(DW 无原价字段;discount_*_rate 实为折扣金额)。',
+      '取最小折扣率(力度最大)+ 保留日期/项目。无折扣→不打标签(业务:无锚点换推增值权益,不直接降价)。',
+    ].join('\n'),
+    owner: 'pac-algo',
+    version: 1,
+  },
 };