Implement credit parse result polling and sentinel handling

ccdi-info-collection/src/main/java/com/ruoyi/info/collection/service/impl/CcdiCreditInfoServiceImpl.java

@@ -36,6 +36,10 @@ import java.util.Map;
 @Service
 public class CcdiCreditInfoServiceImpl implements ICcdiCreditInfoService {
 
+    private static final int CREDIT_PARSE_SUCCESS_CODE = 10000;
+    private static final int CREDIT_PARSE_SUCCESS_STATUS = 1;
+    private static final int CREDIT_PARSE_SUCCESS_REASON_CODE = 200;
+
     @Resource
     private CreditParseClient creditParseClient;
 
@@ -179,8 +183,14 @@ public class CcdiCreditInfoServiceImpl implements ICcdiCreditInfoService {
         if (!Boolean.TRUE.equals(response.getSuccess())) {
             throw new RuntimeException(stringValue(mappingOutputFields.getMessage(), "征信解析平台调用失败"));
         }
-        if (!"0".equals(mappingOutputFields.getStatusCode())) {
-            throw new RuntimeException(stringValue(mappingOutputFields.getMessage(), "征信解析失败"));
+        if (!Integer.valueOf(CREDIT_PARSE_SUCCESS_CODE).equals(response.getCode())) {
+            throw new RuntimeException("征信解析平台状态码异常: " + response.getCode());
+        }
+        if (!Integer.valueOf(CREDIT_PARSE_SUCCESS_STATUS).equals(response.getData().getStatus())) {
+            throw new RuntimeException(parseErrorMessage(response, "征信解析状态异常: " + response.getData().getStatus()));
+        }
+        if (!Integer.valueOf(CREDIT_PARSE_SUCCESS_REASON_CODE).equals(response.getData().getReasonCode())) {
+            throw new RuntimeException(parseErrorMessage(response, "征信解析原因码异常: " + response.getData().getReasonCode()));
         }
         if (mappingOutputFields.getPayload() == null) {
             throw new RuntimeException("征信解析结果为空");
@@ -188,6 +198,20 @@ public class CcdiCreditInfoServiceImpl implements ICcdiCreditInfoService {
         return mappingOutputFields;
     }
 
+    private String parseErrorMessage(CreditParseInvokeResponse response, String defaultValue) {
+        if (response == null || response.getData() == null) {
+            return defaultValue;
+        }
+        String reasonMessage = stringValue(response.getData().getReasonMessage());
+        if (!isBlank(reasonMessage)) {
+            return reasonMessage;
+        }
+        if (response.getData().getMappingOutputFields() != null) {
+            return stringValue(response.getData().getMappingOutputFields().getMessage(), defaultValue);
+        }
+        return defaultValue;
+    }
+
     private Map<String, Object> requireHeader(CreditParsePayload payload) {
         Map<String, Object> header = payload.getLxHeader();
         if (header == null || header.isEmpty()) {

ccdi-info-collection/src/main/java/com/ruoyi/info/collection/service/support/CreditInfoPayloadAssembler.java

@@ -19,6 +19,8 @@ import java.util.Objects;
 @Component
 public class CreditInfoPayloadAssembler {
 
+    private static final BigDecimal MISSING_SENTINEL = new BigDecimal("-9999");
+
     private static final List<DebtMapping> DEBT_MAPPINGS = List.of(
             new DebtMapping("uncle_bank_house", "银行", "住房贷款", "银行", "未结清银行住房贷款"),
             new DebtMapping("uncle_bank_car", "银行", "汽车贷款", "银行", "未结清银行汽车贷款"),
@@ -26,7 +28,7 @@ public class CreditInfoPayloadAssembler {
             new DebtMapping("uncle_bank_consume", "银行", "消费贷款", "银行", "未结清银行消费贷款"),
             new DebtMapping("uncle_bank_other", "银行", "其他贷款", "银行", "未结清银行其他贷款"),
             new DebtMapping("uncle_not_bank", "非银", "非银行贷款", "非银", "未结清非银行贷款"),
-            new DebtMapping("uncle_credit_cart", "银行", "信用卡", "银行", "未结清信用卡")
+            new DebtMapping("uncle_credit_card", "银行", "信用卡", "银行", "未结清信用卡")
     );
 
     public List<CcdiDebtsInfo> buildDebts(String personId, String personName, LocalDate queryDate, CreditParsePayload payload) {
@@ -61,9 +63,13 @@ public class CreditInfoPayloadAssembler {
 
     private CcdiDebtsInfo buildDebtRow(String personId, String personName, LocalDate queryDate,
                                        Map<String, Object> source, DebtMapping mapping) {
+        Object stateValue = source.get(mapping.prefix() + "_state");
+        if (isMissingSentinel(stateValue)) {
+            return null;
+        }
         BigDecimal principalBalance = toBigDecimal(source.get(mapping.prefix() + "_bal"));
         BigDecimal debtTotalAmount = toBigDecimal(source.get(mapping.prefix() + "_lmt"));
-        String debtStatus = toStringValue(source.get(mapping.prefix() + "_state"));
+        String debtStatus = toStringValue(stateValue);
         if (isEmptyMetrics(principalBalance, debtTotalAmount, debtStatus)) {
             return null;
         }
@@ -97,6 +103,9 @@ public class CreditInfoPayloadAssembler {
         if (value == null) {
             return null;
         }
+        if (isMissingSentinel(value)) {
+            return null;
+        }
         if (value instanceof BigDecimal decimal) {
             return decimal;
         }
@@ -111,10 +120,28 @@ public class CreditInfoPayloadAssembler {
         if (value == null) {
             return null;
         }
+        if (isMissingSentinel(value)) {
+            return null;
+        }
         String text = Objects.toString(value, "").trim();
         return text.isEmpty() ? null : text;
     }
 
+    private boolean isMissingSentinel(Object value) {
+        if (value == null) {
+            return false;
+        }
+        String text = Objects.toString(value, "").trim();
+        if (text.isEmpty()) {
+            return false;
+        }
+        try {
+            return new BigDecimal(text).compareTo(MISSING_SENTINEL) == 0;
+        } catch (NumberFormatException e) {
+            return false;
+        }
+    }
+
     private boolean isBlank(String value) {
         return value == null || value.trim().isEmpty();
     }