51 lines
2.2 KiB
TypeScript
51 lines
2.2 KiB
TypeScript
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import db from '../config/database';
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import { logger } from '../utils/logger';
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import { DecisionExplainabilityEngine } from '../core/ai/DecisionExplainabilityEngine';
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/**
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* [BIZ_OPS_153] 高频取消订单导致的支付网关风险预警 (Gateway)
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* @description 核心逻辑：分析支付网关的回调日志，识别是否存在大量“取消”、“拒付”或“退款”，这些行为可能导致 PayPal/Stripe 账户被封。
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*/
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export class PaymentRiskService {
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/**
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* 监控支付网关风险 (BIZ_OPS_153)
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*/
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static async monitorPaymentGatewayRisk(tenantId: string, gatewayId: string): Promise<any> {
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logger.info(`[PaymentRisk] Monitoring gateway risk for Tenant: ${tenantId}, Gateway: ${gatewayId}`);
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try {
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// 1. 获取近 7 天的取消率 (模拟)
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const cancellationRate = 0.15; // 15% 取消率
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const threshold = 0.10;
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// 2. 识别风险：如果超过 10%
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if (cancellationRate > threshold) {
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const advice = `GATEWAY RISK ALERT: Cancellation rate (${(cancellationRate * 100).toFixed(1)}%) is above the safe threshold (10%). ` +
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`High risk of account suspension by the payment provider (PayPal/Stripe). ` +
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`Suggesting immediate pause of high-risk traffic or increased anti-fraud review.`;
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// 3. [UX_XAI_01] 记录决策证据链
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await DecisionExplainabilityEngine.logDecision({
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tenantId,
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module: 'PAYMENT_SECURITY',
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resourceId: gatewayId,
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decisionType: 'GATEWAY_SUSPENSION_PREVENTION',
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causalChain: advice,
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factors: [
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{ name: 'CancellationRate', value: (cancellationRate * 100).toFixed(1) + '%', weight: 0.9, impact: 'NEGATIVE' },
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{ name: 'ThresholdRate', value: (threshold * 100).toFixed(1) + '%', weight: 0.1, impact: 'NEUTRAL' }
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],
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traceId: 'payment-risk-' + Date.now()
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});
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return { success: true, riskLevel: 'HIGH', cancellationRate, advice, status: 'PENDING_REVIEW' };
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}
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return { success: true, riskLevel: 'LOW', message: 'Gateway risk is within limits' };
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} catch (err: any) {
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logger.error(`[PaymentRisk][WARN] Monitoring failed: ${err.message}`);
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return { success: false, error: err.message };
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}
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}
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}
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