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defmodule WalletRisk.RiskProfile do |
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@moduledoc """ |
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Aggregated risk profile per user. |
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Tracks cumulative risk score, signal history, and review status. |
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Score range: 0..100 (0 = lowest risk, 100 = highest). |
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""" |
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@type status :: :normal | :flagged | :under_review | :cleared | :blocked |
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@type t :: %__MODULE__{ |
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profile_id: String.t(), |
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user_id: String.t(), |
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score: non_neg_integer(), |
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status: status(), |
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signal_ids: [String.t()], |
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case_ids: [String.t()], |
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last_scored_at: DateTime.t() | nil, |
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correlation_id: String.t(), |
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metadata: map() |
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} |
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:-( |
defstruct [ |
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:profile_id, |
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:user_id, |
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:score, |
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:status, |
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:signal_ids, |
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:case_ids, |
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:last_scored_at, |
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:correlation_id, |
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metadata: %{} |
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] |
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@spec new(user_id :: String.t(), opts :: keyword()) :: t() |
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def new(user_id, opts \\ []) do |
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%__MODULE__{ |
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profile_id: WalletSharedKernel.Correlation.new_request_id(), |
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user_id: user_id, |
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score: 0, |
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status: :normal, |
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signal_ids: [], |
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case_ids: [], |
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last_scored_at: nil, |
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correlation_id: |
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Keyword.get(opts, :correlation_id, WalletSharedKernel.Correlation.new_correlation_id()), |
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metadata: Keyword.get(opts, :metadata, %{}) |
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} |
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end |
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@spec apply_score(t(), score :: non_neg_integer()) :: t() |
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def apply_score(profile, score) when score >= 0 and score <= 100 do |
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status = score_to_status(score) |
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%{profile | score: score, status: status, last_scored_at: DateTime.utc_now()} |
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end |
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@spec add_signal(t(), signal_id :: String.t()) :: t() |
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def add_signal(profile, signal_id) do |
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%{profile | signal_ids: [signal_id | profile.signal_ids] |> Enum.uniq()} |
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end |
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@spec add_case(t(), case_id :: String.t()) :: t() |
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def add_case(profile, case_id) do |
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%{profile | case_ids: [case_id | profile.case_ids] |> Enum.uniq()} |
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end |
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@spec clear(t()) :: t() |
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:-( |
def clear(profile), do: %{profile | status: :cleared} |
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defp score_to_status(score) when score < 30, do: :normal |
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defp score_to_status(score) when score < 60, do: :flagged |
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defp score_to_status(score) when score < 85, do: :under_review |
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defp score_to_status(_score), do: :blocked |
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end |