X-Financial/server/rules/risk-rules/risk.standard.communication_account_mismatch.json

{
  "schema_version": "2.0",
  "rule_code": "risk.standard.communication_account_mismatch",
  "name": "通信账户归属与报销人不一致",
  "description": "通信票据、运营商账单或号码归属信息与报销人不一致，且缺少代垫或统一缴费说明。",
  "enabled": true,
  "requires_attachment": true,
  "risk_dimension": "expense_control_demo",
  "risk_category": "费用归属",
  "ontology_signal": "expense_owner_mismatch",
  "evaluator": "template_rule",
  "template_key": "keyword_match_v1",
  "finance_rule_code": "expense.communication.policy",
  "finance_rule_sheet": "通信费报销规则",
  "business_stage": [
    "reimbursement"
  ],
  "expense_types": [
    "communication"
  ],
  "budget_required": true,
  "applies_to": {
    "domains": [
      "expense"
    ],
    "expense_types": [
      "communication"
    ],
    "business_stages": [
      "reimbursement"
    ]
  },
  "inputs": {
    "fields": [
      {
        "key": "claim.amount",
        "label": "报销金额",
        "type": "number",
        "source": "claim"
      },
      {
        "key": "claim.expense_type",
        "label": "费用类型",
        "type": "enum",
        "source": "claim"
      },
      {
        "key": "claim.department_name",
        "label": "部门",
        "type": "text",
        "source": "claim"
      },
      {
        "key": "claim.reason",
        "label": "事由",
        "type": "text",
        "source": "claim"
      },
      {
        "key": "item.item_reason",
        "label": "明细说明",
        "type": "text",
        "source": "item"
      },
      {
        "key": "material.attachment_count",
        "label": "附件数量",
        "type": "number",
        "source": "material"
      },
      {
        "key": "material.contract_uploaded",
        "label": "合同已上传",
        "type": "boolean",
        "source": "material"
      },
      {
        "key": "material.acceptance_uploaded",
        "label": "验收材料已上传",
        "type": "boolean",
        "source": "material"
      },
      {
        "key": "material.plan_uploaded",
        "label": "方案已上传",
        "type": "boolean",
        "source": "material"
      },
      {
        "key": "material.attendee_list_uploaded",
        "label": "参与人清单已上传",
        "type": "boolean",
        "source": "material"
      },
      {
        "key": "material.invoice_uploaded",
        "label": "发票已上传",
        "type": "boolean",
        "source": "material"
      }
    ]
  },
  "params": {
    "template_key": "keyword_match_v1",
    "field_keys": [
      "claim.amount",
      "claim.expense_type",
      "claim.department_name",
      "claim.reason",
      "item.item_reason",
      "material.attachment_count",
      "material.contract_uploaded",
      "material.acceptance_uploaded",
      "material.plan_uploaded",
      "material.attendee_list_uploaded",
      "material.invoice_uploaded"
    ],
    "search_fields": [
      "claim.reason",
      "item.item_reason",
      "claim.expense_type"
    ],
    "keywords": [
      "号码归属",
      "账户不一致",
      "代垫",
      "统一缴费",
      "公共号码"
    ],
    "condition_summary": "通信账户归属与报销人不一致且没有代垫、统一缴费或部门公共号码说明时触发。",
    "finance_rule_code": "expense.communication.policy",
    "finance_rule_sheet": "通信费报销规则",
    "business_stage": [
      "reimbursement"
    ],
    "expense_types": [
      "communication"
    ],
    "budget_required": true
  },
  "outcomes": {
    "pass": {
      "severity": "none",
      "action": "continue"
    },
    "fail": {
      "severity": "high",
      "action": "manual_review",
      "risk_score": 82
    }
  },
  "metadata": {
    "owner": "风控与审计部",
    "stability": "platform",
    "source_ref": "费用管控 Demo 风险规则库",
    "created_at": "2026-05-31T00:10:41.898564+00:00",
    "created_by": "system",
    "risk_score": 82,
    "risk_level": "high",
    "rule_title": "通信账户归属与报销人不一致",
    "finance_rule_code": "expense.communication.policy",
    "finance_rule_sheet": "通信费报销规则",
    "business_stage": [
      "reimbursement"
    ],
    "expense_types": [
      "communication"
    ],
    "budget_required": true
  },
  "severity": "high",
  "risk_score": 82,
  "risk_level": "high"
}