sophhub 0.4.21 → 0.4.23

package/skills/insurance-customer-policy/src/src/insurance_customer_cli/db.py

@@ -0,0 +1,181 @@
+"""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:
+    # 新统一变量优先，兼容旧变量。
+    for key in ("INSURANCE_DB_PATH", "INSURANCE_CUSTOMER_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-customer-policy/src/src/insurance_customer_cli/insurance_paths.py

@@ -0,0 +1,184 @@
+"""保险 4-Skill 统一路径解析（对齐美容院 skill 设计思路）。
+
+参考 ``beauty-salon-member-appointment`` 的 ``orchestrator.py`` / ``product_service_cli``：
+
+- ``skills_root()``：默认由包内文件向上回溯；可通过 ``INSURANCE_SKILLS_ROOT`` / ``SKILLS_ROOT``
+  覆盖（云端挂载目录与仓库不一致时）。
+- 兄弟 skill：``<skills_root>/<skill>/src/src/<pkg>`` 与 ``/app/skills/...`` 多候选探测。
+- 显式覆盖：与各包相关的 ``INSURANCE_*_PKG``；与各 skill **入口脚本** 相关的
+  ``INSURANCE_*_CLI_SCRIPT``（对齐 ``INVENTORY_SCRIPT_PATH``：直接指向 ``cli.py``）。
+- 子进程：若找到 ``scripts/cli.py``，优先 ``python cli.py ...``（子进程无需 PYTHONPATH）；
+  否则回退 ``PYTHONPATH`` + ``python -m <module>``。
+"""
+from __future__ import annotations
+
+import os
+import subprocess
+import sys
+from pathlib import Path
+from typing import Any
+
+# ---------------------------------------------------------------------------
+# skills 根目录
+# ---------------------------------------------------------------------------
+
+ENV_SKILLS_ROOT = ("INSURANCE_SKILLS_ROOT", "SKILLS_ROOT")
+
+
+def resolve_skills_root(*, anchor_file: Path, parents_up_from_file: int) -> Path:
+    """由任意锚点文件回溯 ``parents_up_from_file`` 层得到 ``skills/``；支持环境变量覆盖。"""
+    for key in ENV_SKILLS_ROOT:
+        raw = os.environ.get(key)
+        if raw:
+            return Path(raw).expanduser().resolve()
+    p = anchor_file.resolve()
+    for _ in range(parents_up_from_file):
+        p = p.parent
+    return p
+
+
+def skills_root_from_orchestrator(orchestrator_py: Path) -> Path:
+    """``.../skills/<skill>/src/src/<pkg>/orchestrator.py`` → ``skills``（向上 5 层）。"""
+    return resolve_skills_root(anchor_file=orchestrator_py, parents_up_from_file=5)
+
+
+def skills_root_from_dashboard_script(dashboard_py: Path) -> Path:
+    """``.../skills/<skill>/src/scripts/dashboard_all.py`` → ``skills``（向上 4 层）。"""
+    return resolve_skills_root(anchor_file=dashboard_py, parents_up_from_file=4)
+
+
+def skills_root_from_wrapper(wrapper_py: Path) -> Path:
+    """``.../skills/<skill>/src/scripts/cli.py`` → ``skills``（向上 4 层）。"""
+    return resolve_skills_root(anchor_file=wrapper_py, parents_up_from_file=4)
+
+
+# ---------------------------------------------------------------------------
+# 各 skill 元数据（文件夹名、python 模块名、环境变量）
+# ---------------------------------------------------------------------------
+
+SKILL_META: dict[str, dict[str, str]] = {
+    "insurance-customer-policy": {
+        "module": "insurance_customer_cli",
+        "pkg_env": "INSURANCE_CUSTOMER_PKG",
+        "cli_env": "INSURANCE_CUSTOMER_CLI_SCRIPT",
+    },
+    "insurance-product-analysis": {
+        "module": "insurance_product_cli",
+        "pkg_env": "INSURANCE_PRODUCT_PKG",
+        "cli_env": "INSURANCE_PRODUCT_CLI_SCRIPT",
+    },
+    "insurance-schedule-renewal": {
+        "module": "insurance_schedule_cli",
+        "pkg_env": "INSURANCE_SCHEDULE_PKG",
+        "cli_env": "INSURANCE_SCHEDULE_CLI_SCRIPT",
+    },
+    "insurance-sales-pipeline": {
+        "module": "insurance_pipeline_cli",
+        "pkg_env": "INSURANCE_PIPELINE_PKG",
+        "cli_env": "INSURANCE_PIPELINE_CLI_SCRIPT",
+    },
+}
+
+
+def resolve_pkg_parent(skills_root: Path, skill_folder: str) -> Path:
+    """返回应加入 PYTHONPATH 的目录（含 ``<module>/__init__.py``）。"""
+    meta = SKILL_META[skill_folder]
+    pkg_name = meta["module"]
+    env_pkg = meta["pkg_env"]
+
+    if os.environ.get(env_pkg):
+        return Path(os.environ[env_pkg]).expanduser().resolve()
+
+    root = skills_root.resolve()
+    candidates = [
+        root / skill_folder / "src" / "src",
+        Path("/app/skills") / skill_folder / "src" / "src",
+        Path("/app/skills") / skill_folder / "src",
+        Path("/app/skills") / skill_folder,
+        root / skill_folder / "src",
+        root / skill_folder,
+    ]
+    for c in candidates:
+        try:
+            if (c / pkg_name / "__init__.py").is_file():
+                return c
+        except OSError:
+            continue
+    return candidates[0]
+
+
+def resolve_cli_wrapper(skills_root: Path, skill_folder: str) -> Path | None:
+    """解析 ``scripts/cli.py``；支持 ``INSURANCE_*_CLI_SCRIPT`` 显式路径。"""
+    meta = SKILL_META[skill_folder]
+    env_cli = meta["cli_env"]
+    if os.environ.get(env_cli):
+        p = Path(os.environ[env_cli]).expanduser().resolve()
+        return p if p.is_file() else None
+
+    root = skills_root.resolve()
+    candidates = [
+        root / skill_folder / "src" / "scripts" / "cli.py",
+        root / skill_folder / "scripts" / "cli.py",
+        Path("/app/skills") / skill_folder / "src" / "scripts" / "cli.py",
+        Path("/app/skills") / skill_folder / "scripts" / "cli.py",
+    ]
+    for c in candidates:
+        try:
+            if c.is_file():
+                return c
+        except OSError:
+            continue
+    return None
+
+
+def run_skill_argv_env(
+    skills_root: Path,
+    skill_folder: str,
+    argv: list[str],
+    *,
+    timeout: int = 120,
+) -> subprocess.CompletedProcess[str]:
+    """运行某一 insurance skill 子命令；优先 wrapper，其次 ``python -m``。"""
+    meta = SKILL_META[skill_folder]
+    module = meta["module"]
+    cli = resolve_cli_wrapper(skills_root, skill_folder)
+    env = os.environ.copy()
+    env["PYTHONIOENCODING"] = "utf-8"
+
+    if cli is not None:
+        return subprocess.run(
+            [sys.executable, str(cli), *argv],
+            env=env,
+            capture_output=True,
+            text=True,
+            encoding="utf-8",
+            timeout=timeout,
+        )
+
+    pkg = resolve_pkg_parent(skills_root, skill_folder)
+    if not (pkg / module / "__init__.py").is_file():
+        return subprocess.CompletedProcess(
+            args=[sys.executable, "-m", module, *argv],
+            returncode=99,
+            stdout="",
+            stderr=f"missing package at {pkg}",
+        )
+    env["PYTHONPATH"] = str(pkg)
+    return subprocess.run(
+        [sys.executable, "-m", module, *argv],
+        env=env,
+        capture_output=True,
+        text=True,
+        encoding="utf-8",
+        timeout=timeout,
+    )
+
+
+def bootstrap_wrapper_sys_path(wrapper_py: Path, skill_folder: str) -> Path:
+    """供各 skill 的 ``scripts/cli.py`` 调用：把正确 pkg 目录插入 ``sys.path`` 首部。"""
+    sr = skills_root_from_wrapper(wrapper_py)
+    pkg_parent = resolve_pkg_parent(sr, skill_folder)
+    ps = str(pkg_parent)
+    if ps not in sys.path:
+        sys.path.insert(0, ps)
+    return pkg_parent

package/skills/insurance-product-analysis/skill.json

@@ -0,0 +1,12 @@
+{
+  "name": "insurance-product-analysis",
+  "version": "1.0.0",
+  "types": ["store"],
+  "displayName": "保险产品解读与保障分析",
+  "description": "保险产品库管理、产品解读（条款/卖点/适用人群/话术）、保障缺口分析、客户匹配、产品对比。",
+  "changelog": [
+    { "version": "1.0.0", "date": "2026-05-09", "changes": ["初版 CLI：product CRUD / analyze / customer-match / compare；通过 orchestrator 转发 gap-analysis"] }
+  ],
+  "createdAt": "2026-05-09",
+  "updatedAt": "2026-05-09"
+}

package/skills/insurance-product-analysis/src/SKILL.md

@@ -0,0 +1,99 @@
+---
+name: insurance-product-analysis
+description: "保险产品解读与保障分析：产品库、产品解读（条款/卖点/适用人群/话术）、保障缺口分析、客户匹配、产品对比。触发：录入新产品、解读产品、保障缺口、客户匹配、产品对比、看下数据。"
+---
+
+# 产品解读与保障分析
+
+## 经营概览（"看下数据"）
+
+聚合脚本由 `insurance-customer-policy` 提供，从共享库读取 4 个保险 skill 的总览指标：
+
+```bash
+python3 {baseDir}/../../insurance-customer-policy/src/scripts/dashboard_all.py --md
+```
+
+## 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_product_cli <子命令> ...
+
+# Windows
+cd "{baseDir}"
+set PYTHONPATH=%CD%\src
+python -m insurance_product_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_PRODUCT_DB_PATH`
+
+> 本 skill 直接读写统一共享库，默认零配置；不再依赖跨 skill 子进程。
+
+## 子命令
+
+| 子命令 | 说明 |
+|--------|------|
+| `product-add` | `--name --company --type [--coverage-range "10万-100万" --premium-range "3000-15000" --age-range "0-55岁" --highlights "a\|b\|c"] [--file PDF] [--raw-text 原文]` |
+| `product-query` | `--name` / `--type` / `--company` |
+| `product-update` | `--name --set JSON`（更新会自动失效解读缓存） |
+| `product-delete` | `--name --yes` |
+| `product-analyze` | `--product 名` 解读，命中 7 天内缓存直接返回；缓存未命中返回 `error=needs_llm` 并附 `prompt_template`，由 agent 用 LLM 填好后调 `analysis-write` 写回。`--match-customers` 同时匹配客户。`--refresh` 强制重新解读。 |
+| `analysis-write` | `--product --result JSON` 或 `--result-file FILE.json`，写入解读结果到缓存 |
+| `gap-analysis` | 转发到 customer-policy：`--customer-id` / `--all` / `--gap-type` |
+| `customer-match` | `--product` 反查客户池（按年龄筛 → 缺口排序 → 客户分类排序）；`--customer-id` 正查产品 |
+| `product-compare` | `--product-a --product-b` 按对比维度逐项展开 |
+| `dashboard` | `--json` 返回产品库统计（供入口聚合） |
+
+## 示例
+
+```bash
+python3 {baseDir}/scripts/cli.py product-add --name "XX重疾险2024版" --company "A保险公司" --type "重疾险" --coverage-range "10万-100万" --premium-range "3000-15000" --age-range "0-55岁" --highlights "覆盖120种重疾|轻症豁免|保额递增"
+python3 {baseDir}/scripts/cli.py product-analyze --product "XX重疾险2024版"
+python3 {baseDir}/scripts/cli.py customer-match --product "XX重疾险2024版"
+python3 {baseDir}/scripts/cli.py customer-match --customer-id C001
+python3 {baseDir}/scripts/cli.py product-compare --product-a "A公司重疾险" --product-b "B公司重疾险"
+```
+
+## 自然语言路由
+
+| 用户说 | 调用命令 |
+|--------|----------|
+| "帮我解读一下这个新产品" | `product-analyze` |
+| "张先生还需要什么保障？" | `gap-analysis --customer-id` |
+| "这个产品适合哪些客户？" | `customer-match --product` |
+| "A公司重疾险和B公司重疾险哪个好？" | `product-compare` |
+| "录入新产品：XX重疾险，A公司" | `product-add` |
+| "哪些客户缺重疾险？" | `gap-analysis --gap-type "重疾险"` |
+
+## 解读结果数据结构
+
+`product-analyze` / `analysis-write` 使用同一份 JSON：
+
+```json
+{
+  "key_terms": ["保120种重疾", "等待期90天", "免赔额0元", "保证续保"],
+  "selling_points": ["保额递增", "轻症豁免", "费率低于同类"],
+  "fit_audience": ["25-45 岁", "年收入 20w+", "已有医疗险"],
+  "pitch_script": "李姐，您之前买了百万医疗，这款重疾险..."
+}
+```
+
+## 与其他 Skill 协作
+
+- 通过 `insurance-customer-policy`：`gap-analysis` / `customer-query` / `policy-query` / `customer-segment`。
+- 销售推进可结合 `insurance-sales-pipeline`：将 `customer-match` 结果作为新建商机的输入。
+- 话术风格遵循 `insurance-policy-review` / `insurance-sales-playbook` 的合规边界（不承诺理赔、不夸大）。

package/skills/insurance-product-analysis/src/pyproject.toml

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

package/skills/insurance-product-analysis/src/scripts/cli.py

@@ -0,0 +1,16 @@
+#!/usr/bin/env python3
+"""Cloud-friendly entrypoint for insurance-product-analysis."""
+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_product_cli.cli import main
+
+
+if __name__ == "__main__":
+    raise SystemExit(main(sys.argv[1:]))

package/skills/insurance-product-analysis/src/scripts/insurance_product_cli/__main__.py

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