feat(sync/payment): 消费口径切实付 — amount=实付,应收降级 receivableAmount

业务定调(张雪反馈):一线关注真金白银,应收对免费套餐/团购客严重虚高
(胡新丽:应收¥1,270 实付¥0;张弦:应收¥77,795 实付¥57,887)。

- jvs-dw payment.yaml:amount settlement_money(实付);friday:net_receipts_this
- 新增 receivableAmount(应收)辅助字段:canonical schema 显式声明 + moneyFields
  登记同口径归一 + payment_record.content.receivable_cents
- discount-anchor 折扣率分母换 receivable_cents(旧事实 fallback amount_cents)
- 顺带修掉两个隐藏口径 bug:
  ① refund 一直是实收冲减 → 原 LTV 实为"应收收入−实收退款"混口径,现自洽
  ② 储值客户双计:充值(实付)计一次 + 扣卡消费应收又计一次,现扣卡单实付0不再重复

下游自动切换:profile.ltv(UI 累计消费)/ rfm.M 值 / lifecycle 消费档 → 实付口径。
金额守恒已对账(张弦 mode 表 17 行:实付57,887/应收77,795,无多通道重复计)。

上线步骤:部署后跑 reparse(rawPayload 完整保留源列,无需重拉 DW)→ persona 重算。

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

apps/pac-service/data/friday/assemblers/payment.yaml

@@ -21,9 +21,11 @@ field_mapping:
   patientExternalId:   patient_id
   clinicId:            organization_id
   paidAt:              created_gmt_at     # 结算入库时间(jvs-dw 同款决策:billing_date 有预付失真)
-  # amount = receivable_this(应收):LTV=患者带来的业务价值,非现金流(会员卡扣费单不清零)
-  # FieldMapper.normalize 按 amount_unit=yuan 转 cents
-  amount:              receivable_this
+  # 2026-07 业务定调(与 jvs-dw payment.yaml 同步):amount=实付(net_receipts_this),
+  # 与 refund_full/refund_item(net_receipts_this)同口径,LTV=实付收入−实付退款自洽;
+  # 应收降级 receivableAmount(折扣率分母/权益客识别)。
+  amount:              net_receipts_this
+  receivableAmount:    receivable_this
   method:              method             # lookup 主导支付通道(现金/微信/刷卡/医保…原样入 fact)
   doctorId:            doctor_id
   encounterExternalId: registration_id    # 关联接诊

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

@@ -22,13 +22,14 @@ field_mapping:
                                      #   - billing_date    = 开单/收费动作时间(团购预付等失真)
                                      #   - created_date    = 结算入库时间(接近实际治疗时点)
                                      #   - 100% created_date >= billing_date(9.4 万行 settlement_mode 实测,0 反向)
-  # ⭐ W3 末改 settlement_money → receivable_this(应收金额,不是实收)
-  #   - settlement_money = 实际收到现金(会员卡扣费/套餐/团购/员工免费时 = 0)
-  #   - receivable_this  = 服务应收金额(反映患者带来的真实业务价值)
-  #   - 例:王辉 5 次洁牙 settlement_money=0(扣会员卡)→ 改前 LTV=0 不合理
-  #         receivable_this=¥760+350+200×N(应收)→ 改后真实反映"患者价值"
-  #   - 跟 design.md 患者价值定义对齐:LTV = 患者带来的业务量,不是现金流
-  amount:            receivable_this    # FieldMapper.normalize 按 amount_unit=yuan 转 cents
+  # ⭐ 2026-07 业务定调:amount 回到 settlement_money(实付)—— 一线关注真金白银。
+  #   历史沿革:W3 末曾从 settlement_money 改为 receivable_this(应收,王辉会员卡扣费案例),
+  #   但一线反馈应收对免费套餐/团购客严重虚高(胡新丽:应收 ¥1,270 实付 ¥0),
+  #   且 refund 侧一直是 settlement_money(实收冲减)→ 原 LTV 实为"应收收入−实收退款"混口径。
+  #   现:amount=实付(与 refund 同口径,LTV 自洽);应收降级为 receivableAmount 辅助字段
+  #   (折扣率分母 / 权益客识别:实付 0 + 应收>0 = 纯权益客)。
+  amount:            settlement_money   # 实付;FieldMapper.normalize 按 amount_unit=yuan 转 cents
+  receivableAmount:  receivable_this    # 应收(原价)— 折扣锚点分母/参考,同 yuan→cents
   method:            payment_channel    # transforms.pick_first_nonzero 推断的主导支付通道
   # 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

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

@@ -12,9 +12,10 @@ import type {
  *
  * 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)。
+ * 数据源:payment_record.content(摄入自结算):receivable_cents=应收(原价,2026-07 起;
+ *   旧事实 fallback amount_cents)、discount_cents=折扣额(分,4渠道和)。
+ *   ⚠️ 折扣率 = (应收−折扣)/应收;amount_cents 已切实付,不能再当分母
+ *      (discount_*_rate 实为折扣金额,非比率;储值卡实付=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)。
@@ -39,7 +40,9 @@ export class DiscountAnchorFeatureExtractor implements FeatureExtractor {
 
     for (const f of pays) {
       const c = (f.content ?? {}) as Record<string, unknown>;
-      const amount = Number(c.amount_cents ?? 0); // 应收(原价)
+      // 应收(原价)= 折扣率分母。2026-07 起 amount_cents 切实付,应收在 receivable_cents;
+      // 旧事实(reparse 前)无 receivable_cents → fallback amount_cents(彼时 amount 即应收)。
+      const amount = Number(c.receivable_cents ?? c.amount_cents ?? 0);
       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));

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

@@ -347,7 +347,11 @@ const OrderRecordContent = z
 const PaymentRecordContent = z
   .object({
     payment_external_id: z.string().min(1),
+    /// 实付金额(分)— 2026-07 业务定调:真金白银口径(与 refund 同口径,LTV 自洽)
     amount_cents: z.number().int().nonnegative(),
+    /// 应收金额(分,可空)— 原价参考:折扣率分母 / 权益客识别(实付0+应收>0=纯权益客);
+    /// 旧事实(reparse 前)无此字段,消费方需 fallback amount_cents(彼时 amount=应收)
+    receivable_cents: z.number().int().optional().nullable(),
     channel: nullableString(),
     /// 商业保险公司名(可空)— 非空 = 商保结算;喂 persona「权益身份」。保司名脏,归一在 feature 层做。
     insurance_name: nullableString(),

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

@@ -36,7 +36,10 @@ export class PaymentParser implements Parser {
       return [];
     }
 
-    const amount = Number(c.amount ?? 0); // cents
+    const amount = Number(c.amount ?? 0); // cents(实付;2026-07 业务定调,应收在 receivableAmount)
+    // 应收(原价,可空)— 折扣率分母 / 权益客识别(实付0+应收>0=纯权益客)
+    const receivableRaw = Number(c.receivableAmount ?? NaN);
+    const receivable = Number.isFinite(receivableRaw) ? Math.round(receivableRaw) : null;
     const paidAt = c.paidAt ? new Date(c.paidAt as string) : null;
     const encounterExternalId =
       (c.encounterExternalId as string | undefined) ?? null;
@@ -74,6 +77,7 @@ export class PaymentParser implements Parser {
         content: {
           payment_external_id: externalId,
           amount_cents: amount,
+          receivable_cents: receivable,
           channel: method,
           insurance_name: insuranceName,
           card_type_name: cardTypeName,

packages/types/src/schemas/canonical.ts

@@ -233,7 +233,9 @@ export const PaymentCanonicalSchema = z
     orderExternalId: z.string().optional().nullable(),
     clinicId: z.string().min(1),
     paidAt: isoDateTime,
-    amount: coerceInt, // cents
+    amount: coerceInt, // cents(实付;2026-07 业务定调,与 refund 同口径)
+    /// 应收(原价,cents,可空)— 折扣率分母 / 权益客识别;moneyFields 已登记同口径归一
+    receivableAmount: coerceInt.optional().nullable(),
     currency: z.string().optional().default('CNY'),
     method: z.string().optional().nullable(),
   })
@@ -587,7 +589,8 @@ export const CanonicalResourceMeta: Record<
   payment: {
     // 折扣三件套(诊所可控折扣额)跟 amount 同口径按 amountUnit 归一成分,
     // 避免 parser 自己 ×100 硬编码 yuan(fen 宿主会双转)。passthrough 字段,normalizer 按 `k in out` 命中才转。
-    moneyFields: ['amount', 'discountDept', 'discountCompany', 'discountCard'],
+    // receivableAmount = 应收(原价)— 2026-07 业务定调:amount 切实付后,应收留作折扣率分母/参考。
+    moneyFields: ['amount', 'receivableAmount', 'discountDept', 'discountCompany', 'discountCard'],
     moneyArrayFields: [],
     datetimeFields: ['paidAt'],
     booleanFields: [],