sophhub 0.4.21 → 0.4.22

package/skills/insurance-product-analysis/src/src/insurance_product_cli/db.py

@@ -0,0 +1,180 @@
+"""Shared SQLite schema for insurance skills."""
+from __future__ import annotations
+
+import os
+import sqlite3
+from pathlib import Path
+
+
+def default_db_path() -> Path:
+    base = Path.home() / ".config" / "insurance"
+    base.mkdir(parents=True, exist_ok=True)
+    return base / "insurance.sqlite3"
+
+
+def get_db_path() -> Path:
+    for key in ("INSURANCE_DB_PATH", "INSURANCE_PRODUCT_DB_PATH"):
+        p = os.environ.get(key)
+        if p:
+            path = Path(p)
+            path.parent.mkdir(parents=True, exist_ok=True)
+            return path
+    return default_db_path()
+
+
+def connect() -> sqlite3.Connection:
+    conn = sqlite3.connect(str(get_db_path()))
+    conn.row_factory = sqlite3.Row
+    conn.execute("PRAGMA foreign_keys=ON")
+    init_schema(conn)
+    return conn
+
+
+def init_schema(conn: sqlite3.Connection) -> None:
+    conn.executescript(
+        """
+        CREATE TABLE IF NOT EXISTS customers (
+            id TEXT PRIMARY KEY,
+            name TEXT NOT NULL,
+            phone TEXT,
+            age INTEGER,
+            gender TEXT,
+            income REAL,
+            household_json TEXT NOT NULL DEFAULT '{}',
+            occupation TEXT,
+            birthday TEXT,
+            tags_json TEXT NOT NULL DEFAULT '[]',
+            fields_json TEXT NOT NULL DEFAULT '{}',
+            status TEXT NOT NULL DEFAULT 'active',
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            updated_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_customers_phone ON customers(phone);
+        CREATE INDEX IF NOT EXISTS idx_customers_birthday ON customers(birthday);
+
+        CREATE TABLE IF NOT EXISTS policies (
+            id TEXT PRIMARY KEY,
+            customer_id TEXT NOT NULL REFERENCES customers(id) ON DELETE RESTRICT,
+            company TEXT NOT NULL,
+            product_name TEXT NOT NULL,
+            product_type TEXT NOT NULL,
+            coverage REAL NOT NULL DEFAULT 0,
+            premium REAL NOT NULL DEFAULT 0,
+            pay_period TEXT,
+            effective_date TEXT NOT NULL,
+            expire_date TEXT,
+            next_pay_date TEXT,
+            insured_name TEXT,
+            beneficiary TEXT,
+            notes TEXT,
+            status TEXT NOT NULL DEFAULT 'active',
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            updated_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_policies_customer ON policies(customer_id, status);
+        CREATE INDEX IF NOT EXISTS idx_policies_expire ON policies(expire_date, status);
+        CREATE INDEX IF NOT EXISTS idx_policies_next_pay ON policies(next_pay_date, status);
+        CREATE INDEX IF NOT EXISTS idx_policies_type ON policies(product_type, status);
+
+        CREATE TABLE IF NOT EXISTS followups (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            customer_id TEXT NOT NULL REFERENCES customers(id) ON DELETE CASCADE,
+            content TEXT NOT NULL,
+            next_step TEXT,
+            next_date TEXT,
+            channel TEXT,
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_followups_customer ON followups(customer_id, created_at DESC);
+
+        CREATE TABLE IF NOT EXISTS customer_fields (
+            name TEXT PRIMARY KEY,
+            type TEXT NOT NULL DEFAULT 'text'
+        );
+
+        CREATE TABLE IF NOT EXISTS products (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            name TEXT NOT NULL UNIQUE,
+            company TEXT NOT NULL,
+            product_type TEXT NOT NULL,
+            coverage_min REAL,
+            coverage_max REAL,
+            premium_min REAL,
+            premium_max REAL,
+            age_min INTEGER,
+            age_max INTEGER,
+            waiting_period TEXT,
+            deductible TEXT,
+            renewal_terms TEXT,
+            highlights_json TEXT NOT NULL DEFAULT '[]',
+            target_audience TEXT,
+            file_path TEXT,
+            raw_text TEXT,
+            status TEXT NOT NULL DEFAULT 'active',
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            updated_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_products_type ON products(product_type, status);
+        CREATE INDEX IF NOT EXISTS idx_products_company ON products(company, status);
+
+        CREATE TABLE IF NOT EXISTS product_analysis_cache (
+            product_id INTEGER PRIMARY KEY REFERENCES products(id) ON DELETE CASCADE,
+            key_terms_json TEXT,
+            selling_points_json TEXT,
+            fit_audience_json TEXT,
+            pitch_script TEXT,
+            analyzed_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+
+        CREATE TABLE IF NOT EXISTS deals (
+            id TEXT PRIMARY KEY,
+            customer_id TEXT NOT NULL,
+            customer_name TEXT,
+            product_name TEXT,
+            product_type TEXT,
+            stage TEXT NOT NULL,
+            estimated_premium REAL NOT NULL DEFAULT 0,
+            actual_premium REAL,
+            expected_close_date TEXT,
+            closed_at TEXT,
+            lost_reason TEXT,
+            lost_note TEXT,
+            note TEXT,
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            updated_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_deals_stage ON deals(stage, expected_close_date);
+        CREATE INDEX IF NOT EXISTS idx_deals_customer ON deals(customer_id);
+
+        CREATE TABLE IF NOT EXISTS deal_stage_log (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            deal_id TEXT NOT NULL REFERENCES deals(id) ON DELETE CASCADE,
+            from_stage TEXT,
+            to_stage TEXT NOT NULL,
+            note TEXT,
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+        CREATE INDEX IF NOT EXISTS idx_stage_log_deal ON deal_stage_log(deal_id, created_at);
+
+        CREATE TABLE IF NOT EXISTS monthly_targets (
+            month TEXT PRIMARY KEY,
+            target_premium REAL NOT NULL,
+            note TEXT,
+            created_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            updated_at TEXT NOT NULL DEFAULT (datetime('now','localtime'))
+        );
+
+        CREATE TABLE IF NOT EXISTS sent_reminders (
+            id INTEGER PRIMARY KEY AUTOINCREMENT,
+            reminder_type TEXT NOT NULL,
+            target_id TEXT NOT NULL,
+            bucket TEXT NOT NULL,
+            sent_at TEXT NOT NULL DEFAULT (datetime('now','localtime')),
+            status TEXT NOT NULL DEFAULT 'sent',
+            note TEXT,
+            UNIQUE (reminder_type, target_id, bucket)
+        );
+        CREATE INDEX IF NOT EXISTS idx_sent_target ON sent_reminders(target_id, reminder_type);
+        """
+    )
+    conn.commit()

package/skills/insurance-product-analysis/src/src/insurance_product_cli/orchestrator.py

@@ -0,0 +1,163 @@
+"""Shared-db read helpers for insurance-product-analysis."""
+from __future__ import annotations
+
+import json
+import sqlite3
+from datetime import datetime, timedelta
+
+from insurance_product_cli import db
+
+
+def gap_analysis(customer_id: str | None = None, gap_type: str | None = None,
+                 all_customers: bool = False) -> dict:
+    conn = db.connect()
+    try:
+        need_types = ["重疾险", "医疗险", "意外险", "寿险", "养老险", "教育金"]
+        if customer_id:
+            row = conn.execute(
+                "SELECT id, name FROM customers WHERE id=? AND status='active'",
+                (customer_id,),
+            ).fetchone()
+            if not row:
+                return {"ok": False, "error": "customer_not_found"}
+            results = [row]
+        elif all_customers or gap_type:
+            results = list(
+                conn.execute("SELECT id, name FROM customers WHERE status='active' ORDER BY id")
+            )
+        else:
+            return {"ok": False, "error": "need_customer_id_or_all"}
+
+        payload = []
+        for r in results:
+            owned = {
+                row["product_type"]
+                for row in conn.execute(
+                    "SELECT DISTINCT product_type FROM policies WHERE customer_id=? AND status='active'",
+                    (r["id"],),
+                )
+                if row["product_type"]
+            }
+            gaps = [t for t in need_types if t not in owned]
+            item = {"customer_id": r["id"], "name": r["name"], "owned_types": sorted(owned), "gaps": gaps}
+            if customer_id:
+                return {"ok": True, "result": item}
+            payload.append(item)
+        if gap_type:
+            payload = [x for x in payload if gap_type in x.get("gaps", [])]
+        return {"ok": True, "results": payload, "count": len(payload)}
+    finally:
+        conn.close()
+
+
+def customer_query(customer_id: str | None = None, keyword: str | None = None) -> dict:
+    conn = db.connect()
+    try:
+        cur = conn.cursor()
+        if customer_id:
+            rows = list(cur.execute("SELECT * FROM customers WHERE id=? AND status='active'", (customer_id,)))
+        elif keyword:
+            kw = f"%{keyword}%"
+            rows = list(
+                cur.execute(
+                    "SELECT * FROM customers WHERE status='active' AND (id LIKE ? OR name LIKE ? OR phone LIKE ?) "
+                    "ORDER BY created_at DESC",
+                    (kw, kw, kw),
+                )
+            )
+        else:
+            rows = list(cur.execute("SELECT * FROM customers WHERE status='active' ORDER BY created_at DESC"))
+        customers: list[dict] = []
+        for row in rows:
+            d = dict(row)
+            d["policies_count"] = int(
+                conn.execute(
+                    "SELECT COUNT(*) AS n FROM policies WHERE customer_id=? AND status='active'",
+                    (row["id"],),
+                ).fetchone()["n"]
+            )
+            last_fu = conn.execute(
+                "SELECT MAX(created_at) AS ts FROM followups WHERE customer_id=?",
+                (row["id"],),
+            ).fetchone()["ts"]
+            d["last_followup_at"] = last_fu
+            for k in ("household_json", "tags_json", "fields_json"):
+                try:
+                    d[k[:-5]] = json.loads(d.get(k) or "{}")
+                except json.JSONDecodeError:
+                    d[k[:-5]] = {}
+            customers.append(d)
+        return {"ok": True, "customers": customers, "count": len(customers)}
+    finally:
+        conn.close()
+
+
+def policy_query(customer_id: str | None = None, product_type: str | None = None) -> dict:
+    conn = db.connect()
+    try:
+        cur = conn.cursor()
+        if customer_id:
+            rows = list(
+                cur.execute(
+                    "SELECT * FROM policies WHERE customer_id=? AND status='active' ORDER BY effective_date DESC",
+                    (customer_id,),
+                )
+            )
+        elif product_type:
+            rows = list(
+                cur.execute(
+                    "SELECT * FROM policies WHERE product_type=? AND status='active' ORDER BY effective_date DESC",
+                    (product_type,),
+                )
+            )
+        else:
+            rows = list(cur.execute("SELECT * FROM policies WHERE status='active' ORDER BY effective_date DESC"))
+        return {"ok": True, "policies": [dict(r) for r in rows], "count": len(rows)}
+    finally:
+        conn.close()
+
+
+def customer_segment() -> dict:
+    conn = db.connect()
+    try:
+        now = datetime.now()
+        d30 = (now - timedelta(days=30)).strftime("%Y-%m-%d %H:%M:%S")
+        d60 = (now - timedelta(days=60)).strftime("%Y-%m-%d %H:%M:%S")
+        rows = list(conn.execute("SELECT * FROM customers WHERE status='active' ORDER BY created_at DESC"))
+        hi_value: list[dict] = []
+        active: list[dict] = []
+        new: list[dict] = []
+        dormant: list[dict] = []
+        for r in rows:
+            cid = r["id"]
+            premium = float(
+                conn.execute(
+                    "SELECT COALESCE(SUM(premium),0) AS s FROM policies WHERE customer_id=? AND status='active'",
+                    (cid,),
+                ).fetchone()["s"]
+            )
+            last_followup = conn.execute(
+                "SELECT MAX(created_at) AS ts FROM followups WHERE customer_id=?",
+                (cid,),
+            ).fetchone()["ts"]
+            slot = {"customer_id": cid, "name": r["name"]}
+            if premium > 50000:
+                hi_value.append(slot)
+            if r["created_at"] and str(r["created_at"]) >= d30:
+                new.append(slot)
+            if last_followup:
+                if str(last_followup) >= d30:
+                    active.append(slot)
+                elif str(last_followup) < d60:
+                    dormant.append(slot)
+            elif r["created_at"] and str(r["created_at"]) < d60:
+                dormant.append(slot)
+        return {
+            "ok": True,
+            "hi_value": hi_value,
+            "active": active,
+            "new": new,
+            "dormant": dormant,
+        }
+    finally:
+        conn.close()

package/skills/insurance-sales-pipeline/skill.json

@@ -0,0 +1,12 @@
+{
+  "name": "insurance-sales-pipeline",
+  "version": "1.0.0",
+  "types": ["store"],
+  "displayName": "保险销售漏斗管理",
+  "description": "保险经纪人销售漏斗：在谈/方案中/议价/已成交/已流失阶段管理，月度目标、成交预测、流失分析。",
+  "changelog": [
+    { "version": "1.0.0", "date": "2026-05-09", "changes": ["初版 CLI：deal CRUD / stage / forecast / target-track / lost"] }
+  ],
+  "createdAt": "2026-05-09",
+  "updatedAt": "2026-05-09"
+}

package/skills/insurance-sales-pipeline/src/SKILL.md

@@ -0,0 +1,102 @@
+---
+name: insurance-sales-pipeline
+description: "保险经纪人销售漏斗管理：商机管理、阶段推进（在谈/方案中/议价/已成交/已流失）、成交预测、月度目标跟踪、流失分析。触发：新建商机、在谈客户、推进阶段、这个月预计能出多少、目标完成、流失原因、看下数据。"
+---
+
+# 销售漏斗管理
+
+## 经营概览（"看下数据"）
+
+聚合脚本由 `insurance-customer-policy` 提供，直接读取共享库：
+
+```bash
+python3 {baseDir}/../../insurance-customer-policy/src/scripts/dashboard_all.py --md
+```
+
+本 skill 的 `dashboard --json` 仅返回销售漏斗维度，聚合脚本并行调用全部 4 个 skill。
+
+## 运行方式
+
+**推荐（云端零配置 / 跨平台）**：
+
+```bash
+python3 {baseDir}/scripts/cli.py <子命令> ...
+```
+
+**高级用法**：
+
+```bash
+# Linux / macOS
+export PYTHONPATH="{baseDir}/src"
+python3 -m insurance_pipeline_cli <子命令> ...
+
+# Windows
+cd "{baseDir}"
+set PYTHONPATH=%CD%\src
+python -m insurance_pipeline_cli <子命令> ...
+```
+
+默认数据库：
+
+- Linux / macOS：`~/.config/insurance/insurance.sqlite3`
+- Windows：`%USERPROFILE%\.config\insurance\insurance.sqlite3`
+- 统一变量：`INSURANCE_DB_PATH`
+- 兼容变量：`INSURANCE_PIPELINE_DB_PATH`
+
+> `deal-add` 会在共享库中直接校验客户与产品是否存在，不再通过跨 skill 子进程转发；默认零配置开箱可用。
+
+## 销售阶段定义
+
+| 阶段 | 含义 | 成交概率 |
+|------|------|----------|
+| 在谈 | 已接触，了解需求，准备出方案 | 20% |
+| 方案中 | 已出方案，客户在考虑 | 50% |
+| 议价 | 客户基本认可，谈最终条款 | 80% |
+| 已成交 | 保单已出 | 100% |
+| 已流失 | 客户放弃或选了竞品 | 0% |
+
+## 子命令
+
+| 子命令 | 说明 |
+|--------|------|
+| `deal-add` | `--customer-id [--product --product-type --stage --estimated-premium --expected-close-date]` |
+| `deal-query` | `--deal-id` / `--customer-id` / `--stage` / `--status active` |
+| `deal-update` | `--deal-id --set JSON` |
+| `deal-delete` | `--deal-id --yes` |
+| `deal-stage` | `--deal-id --to <阶段> [--note --actual-premium --lost-reason --lost-note]` 自动写 `deal_stage_log` |
+| `deal-forecast` | `--month YYYY-MM` 按 stage × 概率 × estimated 求和；分产品类型 group by |
+| `target-track` | 写：`--month --target` ；读：`--month` 输出可视化进度卡 |
+| `deal-lost` | 写：`--deal-id --reason <价格\|条款\|竞品\|自身\|其他> --note`；读：`--stats --month` 按原因分布 |
+| `dashboard --json` | 经营概览（供入口聚合） |
+
+## 示例
+
+```bash
+python3 {baseDir}/scripts/cli.py deal-add --customer-id C001 --product "XX重疾险" --product-type "重疾险" --stage "在谈" --estimated-premium 8000
+python3 {baseDir}/scripts/cli.py deal-stage --deal-id D001 --to "方案中" --note "已出方案，客户正在看"
+python3 {baseDir}/scripts/cli.py deal-stage --deal-id D001 --to "已成交" --actual-premium 9000
+python3 {baseDir}/scripts/cli.py deal-forecast --month 2026-05
+python3 {baseDir}/scripts/cli.py target-track --month 2026-05 --target 100000
+python3 {baseDir}/scripts/cli.py deal-lost --deal-id D002 --reason 价格 --note "客户选了B公司，比我们便宜15%"
+python3 {baseDir}/scripts/cli.py deal-lost --stats --month 2026-05
+```
+
+## 自然语言路由
+
+| 用户说 | 调用命令 |
+|--------|----------|
+| "张先生想了解重疾险，新建一个商机" | `deal-add` |
+| "现在有哪些在谈的客户？" | `deal-query --status active` |
+| "张先生已经出方案了" | `deal-stage --to 方案中` |
+| "这个月预计能出多少？" | `deal-forecast` |
+| "这个月目标完成了多少？" | `target-track` |
+| "设置本月目标 10 万" | `target-track --target 100000` |
+| "张先生没签，记录一下" | `deal-lost` |
+| "看下数据" | `dashboard --json`（同时聚合其他 3 个保险 skill 的 dashboard） |
+
+## 与其他 Skill 协作
+
+- **`insurance-customer-policy`**：deal 关联客户档案，`deal-add` 自动校验客户存在并填充 customer_name。
+- **`insurance-product-analysis`**：可选关联产品；`customer-match` 的结果可作为 `deal-add` 的输入。
+- **`insurance-schedule-renewal`**：商机推进 / 流失后，跟进提醒可基于 `followup-add`（在 customer-policy 侧）继续推进。
+- 阶段推进话术建议参考 `insurance-sales-playbook` 的「三段式回应 / 7 天跟进节奏 / 异议处理卡」。

package/skills/insurance-sales-pipeline/src/pyproject.toml

@@ -0,0 +1,9 @@
+[project]
+name = "insurance-sales-pipeline"
+version = "1.0.0"
+description = "Insurance sales pipeline CLI"
+requires-python = ">=3.10"
+dependencies = []
+
+[tool.uv]
+package = true

package/skills/insurance-sales-pipeline/src/scripts/cli.py

@@ -0,0 +1,16 @@
+#!/usr/bin/env python3
+"""Cloud-friendly entrypoint for insurance-sales-pipeline."""
+from __future__ import annotations
+
+import sys
+from pathlib import Path
+
+SCRIPTS_DIR = Path(__file__).resolve().parent
+if str(SCRIPTS_DIR) not in sys.path:
+    sys.path.insert(0, str(SCRIPTS_DIR))
+
+from insurance_pipeline_cli.cli import main
+
+
+if __name__ == "__main__":
+    raise SystemExit(main(sys.argv[1:]))

package/skills/insurance-sales-pipeline/src/scripts/insurance_pipeline_cli/__main__.py

@@ -0,0 +1,4 @@
+from insurance_pipeline_cli.cli import main
+
+if __name__ == "__main__":
+    raise SystemExit(main())