增加与ai大模型对话

huimv-employment/fe-api/src/main/java/com/huimv/employment/controller/mcp/McpDraftController.java

@@ -77,7 +77,9 @@ public class McpDraftController {
 
     @PostMapping("/calculate")
     @Operation(summary = "成本测算",
-            description = "草稿 status=ready 后调用，返回 SCHEME_A/SCHEME_B 多套合规方案。",
+            description = "当前会话草稿就绪后调用。"
+                    + "按 fe_service_plan（status=active，排除 current）及 fe_service_plan_fee_rule 预置规则测算，"
+                    + "返回成本方案列表（如 SCHEME_A / SCHEME_B），并落库 fe_draft_cost_snapshot。",
             parameters = {
                     @Parameter(name = "X-Fe-Ai-Key", in = ParameterIn.HEADER)
             })

huimv-employment/fe-api/src/main/java/com/huimv/employment/controller/mp/DraftController.java

@@ -63,7 +63,9 @@ public class DraftController {
 
     @GetMapping("/{id}/cost-comparison")
     @Operation(summary = "成本测算（方案对比）",
-            description = "要求草稿 pending 且 missingFields 为空。返回 SCHEME_A / SCHEME_B 等多套合规方案，供「确认此方案」前展示。")
+            description = "要求草稿 pending 且 missingFields 为空。"
+                    + "按 fe_service_plan（status=active，排除 current）及 fe_service_plan_fee_rule 预置规则测算，"
+                    + "返回成本方案列表（如 SCHEME_A / SCHEME_B），并落库 fe_draft_cost_snapshot。")
     public R<McpDraftCalculateResponse> costComparison(@PathVariable("id") Long draftId) {
         LoginUser loginUser = requireEnterprise();
         return R.ok(draftService.calculateCostComparison(loginUser.getUserId(), draftId));

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/entity/FeServicePlan.java

@@ -0,0 +1,194 @@
+package com.huimv.employment.dao.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableLogic;
+import com.baomidou.mybatisplus.annotation.TableName;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * 用工方案目录 {@code fe_service_plan} 实体。
+ */
+@TableName("fe_service_plan")
+public class FeServicePlan {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    private String planCode;
+
+    private String planName;
+
+    /** flexible / traditional / hybrid */
+    private String planType;
+
+    private String description;
+
+    private BigDecimal serviceFeeRate;
+
+    /** basic / standard / premium */
+    private String insuranceLevel;
+
+    private String taxMode;
+
+    /** JSON 数组字符串 */
+    private String applicableScenarios;
+
+    /** JSON 数组字符串 */
+    private String complianceTags;
+
+    private Integer sortOrder;
+
+    /** active / test_only / disabled */
+    private String status;
+
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+
+    private LocalDateTime createTime;
+
+    private LocalDateTime updateTime;
+
+    @TableLogic
+    private Integer delFlag;
+
+    public Long getId() {
+        return id;
+    }
+
+    public void setId(Long id) {
+        this.id = id;
+    }
+
+    public String getPlanCode() {
+        return planCode;
+    }
+
+    public void setPlanCode(String planCode) {
+        this.planCode = planCode;
+    }
+
+    public String getPlanName() {
+        return planName;
+    }
+
+    public void setPlanName(String planName) {
+        this.planName = planName;
+    }
+
+    public String getPlanType() {
+        return planType;
+    }
+
+    public void setPlanType(String planType) {
+        this.planType = planType;
+    }
+
+    public String getDescription() {
+        return description;
+    }
+
+    public void setDescription(String description) {
+        this.description = description;
+    }
+
+    public BigDecimal getServiceFeeRate() {
+        return serviceFeeRate;
+    }
+
+    public void setServiceFeeRate(BigDecimal serviceFeeRate) {
+        this.serviceFeeRate = serviceFeeRate;
+    }
+
+    public String getInsuranceLevel() {
+        return insuranceLevel;
+    }
+
+    public void setInsuranceLevel(String insuranceLevel) {
+        this.insuranceLevel = insuranceLevel;
+    }
+
+    public String getTaxMode() {
+        return taxMode;
+    }
+
+    public void setTaxMode(String taxMode) {
+        this.taxMode = taxMode;
+    }
+
+    public String getApplicableScenarios() {
+        return applicableScenarios;
+    }
+
+    public void setApplicableScenarios(String applicableScenarios) {
+        this.applicableScenarios = applicableScenarios;
+    }
+
+    public String getComplianceTags() {
+        return complianceTags;
+    }
+
+    public void setComplianceTags(String complianceTags) {
+        this.complianceTags = complianceTags;
+    }
+
+    public Integer getSortOrder() {
+        return sortOrder;
+    }
+
+    public void setSortOrder(Integer sortOrder) {
+        this.sortOrder = sortOrder;
+    }
+
+    public String getStatus() {
+        return status;
+    }
+
+    public void setStatus(String status) {
+        this.status = status;
+    }
+
+    public LocalDate getEffectiveFrom() {
+        return effectiveFrom;
+    }
+
+    public void setEffectiveFrom(LocalDate effectiveFrom) {
+        this.effectiveFrom = effectiveFrom;
+    }
+
+    public LocalDate getEffectiveTo() {
+        return effectiveTo;
+    }
+
+    public void setEffectiveTo(LocalDate effectiveTo) {
+        this.effectiveTo = effectiveTo;
+    }
+
+    public LocalDateTime getCreateTime() {
+        return createTime;
+    }
+
+    public void setCreateTime(LocalDateTime createTime) {
+        this.createTime = createTime;
+    }
+
+    public LocalDateTime getUpdateTime() {
+        return updateTime;
+    }
+
+    public void setUpdateTime(LocalDateTime updateTime) {
+        this.updateTime = updateTime;
+    }
+
+    public Integer getDelFlag() {
+        return delFlag;
+    }
+
+    public void setDelFlag(Integer delFlag) {
+        this.delFlag = delFlag;
+    }
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/entity/FeServicePlanFeeRule.java

@@ -0,0 +1,118 @@
+package com.huimv.employment.dao.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * 方案费用项规则 {@code fe_service_plan_fee_rule} 实体。
+ */
+@TableName("fe_service_plan_fee_rule")
+public class FeServicePlanFeeRule {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    private Long planId;
+
+    /** labor_fee / service_fee / insurance / tax_withhold */
+    private String feeCode;
+
+    private String feeName;
+
+    /** fixed / rate / formula */
+    private String calcType;
+
+    private String calcExpression;
+
+    private BigDecimal defaultRate;
+
+    private Integer sortOrder;
+
+    private LocalDateTime createTime;
+
+    private LocalDateTime updateTime;
+
+    public Long getId() {
+        return id;
+    }
+
+    public void setId(Long id) {
+        this.id = id;
+    }
+
+    public Long getPlanId() {
+        return planId;
+    }
+
+    public void setPlanId(Long planId) {
+        this.planId = planId;
+    }
+
+    public String getFeeCode() {
+        return feeCode;
+    }
+
+    public void setFeeCode(String feeCode) {
+        this.feeCode = feeCode;
+    }
+
+    public String getFeeName() {
+        return feeName;
+    }
+
+    public void setFeeName(String feeName) {
+        this.feeName = feeName;
+    }
+
+    public String getCalcType() {
+        return calcType;
+    }
+
+    public void setCalcType(String calcType) {
+        this.calcType = calcType;
+    }
+
+    public String getCalcExpression() {
+        return calcExpression;
+    }
+
+    public void setCalcExpression(String calcExpression) {
+        this.calcExpression = calcExpression;
+    }
+
+    public BigDecimal getDefaultRate() {
+        return defaultRate;
+    }
+
+    public void setDefaultRate(BigDecimal defaultRate) {
+        this.defaultRate = defaultRate;
+    }
+
+    public Integer getSortOrder() {
+        return sortOrder;
+    }
+
+    public void setSortOrder(Integer sortOrder) {
+        this.sortOrder = sortOrder;
+    }
+
+    public LocalDateTime getCreateTime() {
+        return createTime;
+    }
+
+    public void setCreateTime(LocalDateTime createTime) {
+        this.createTime = createTime;
+    }
+
+    public LocalDateTime getUpdateTime() {
+        return updateTime;
+    }
+
+    public void setUpdateTime(LocalDateTime updateTime) {
+        this.updateTime = updateTime;
+    }
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/mapper/FeServicePlanFeeRuleMapper.java

@@ -0,0 +1,9 @@
+package com.huimv.employment.dao.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.huimv.employment.dao.entity.FeServicePlanFeeRule;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface FeServicePlanFeeRuleMapper extends BaseMapper<FeServicePlanFeeRule> {
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/mapper/FeServicePlanMapper.java

@@ -0,0 +1,9 @@
+package com.huimv.employment.dao.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.huimv.employment.dao.entity.FeServicePlan;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface FeServicePlanMapper extends BaseMapper<FeServicePlan> {
+}

huimv-employment/fe-integration/src/main/java/com/huimv/employment/integration/kb/ConsoleChatCollectResult.java

@@ -0,0 +1,30 @@
+package com.huimv.employment.integration.kb;
+
+/**
+ * 会话落库场景：SSE 收集结果。
+ */
+public class ConsoleChatCollectResult {
+
+    private final String assistantText;
+    private final boolean completed;
+    /** 未转发的最后一条终端 SSE 原始行，可为 null */
+    private final String heldTerminalLine;
+
+    public ConsoleChatCollectResult(String assistantText, boolean completed, String heldTerminalLine) {
+        this.assistantText = assistantText == null ? "" : assistantText;
+        this.completed = completed;
+        this.heldTerminalLine = heldTerminalLine;
+    }
+
+    public String getAssistantText() {
+        return assistantText;
+    }
+
+    public boolean isCompleted() {
+        return completed;
+    }
+
+    public String getHeldTerminalLine() {
+        return heldTerminalLine;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/DraftCostCalculationEngine.java

@@ -1,40 +1,115 @@
 package com.huimv.employment.service.draft;
 
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import com.huimv.employment.common.exception.BizException;
+import com.huimv.employment.common.exception.ErrorCode;
 import com.huimv.employment.dao.entity.FeEmploymentDraft;
+import com.huimv.employment.dao.entity.FeServicePlan;
+import com.huimv.employment.dao.entity.FeServicePlanFeeRule;
+import com.huimv.employment.dao.mapper.FeServicePlanFeeRuleMapper;
+import com.huimv.employment.dao.mapper.FeServicePlanMapper;
 import com.huimv.employment.service.draft.dto.McpDraftCalculateResponse;
 import com.huimv.employment.service.draft.dto.McpDraftSchemeCostResponse;
 import com.huimv.employment.service.draft.dto.McpDraftSchemeResponse;
 import com.huimv.employment.service.draft.dto.McpDraftSchemeWorkerIncomeResponse;
 import org.springframework.stereotype.Component;
+import org.springframework.util.StringUtils;
 
 import java.math.BigDecimal;
 import java.math.RoundingMode;
-import java.util.Arrays;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Collections;
+import java.util.HashMap;
 import java.util.List;
+import java.util.Map;
+import java.util.regex.Matcher;
+import java.util.regex.Pattern;
 
 /**
- * 草稿成本测算引擎（v2 §6.3.4 黑盒）。
- * <p>一期内置 SCHEME_A（灵活用工）与 SCHEME_B（劳务报酬）两套规则，后续可接入 fe_service_plan。</p>
+ * 草稿成本测算引擎（v2 §6.3.4）。
+ * <p>从 {@code fe_service_plan} + {@code fe_service_plan_fee_rule} 读取方案与费率，不在代码中写死业务费率。</p>
  */
 @Component
 public class DraftCostCalculationEngine {
 
-    public static final String SCHEME_A = "SCHEME_A";
-    public static final String SCHEME_B = "SCHEME_B";
     private static final String CALC_VERSION = "v1";
+    private static final String STATUS_ACTIVE = "active";
+    private static final String PLAN_CURRENT = "current";
+    private static final String FEE_SERVICE = "service_fee";
+    private static final String FEE_TAX = "tax_withhold";
+    private static final String CALC_RATE = "rate";
+    private static final String CALC_FORMULA = "formula";
+    private static final String CALC_FIXED = "fixed";
 
-    /** 灵活用工平台服务费率 2% */
-    private static final BigDecimal SCHEME_A_SERVICE_FEE_RATE = new BigDecimal("0.02");
-    /** 劳务报酬预扣税率（示例：3000 元对应 440 元） */
-    private static final BigDecimal SCHEME_B_TAX_RATE = new BigDecimal("440").divide(new BigDecimal("3000"), 8, RoundingMode.HALF_UP);
+    /** gross*440/3000 或 gross * 0.02 */
+    private static final Pattern FORMULA_MUL_DIV = Pattern.compile(
+            "(?i)^(gross|labor|company_pay)\\s*\\*\\s*(\\d+(?:\\.\\d+)?)\\s*/\\s*(\\d+(?:\\.\\d+)?)$");
+    private static final Pattern FORMULA_MUL = Pattern.compile(
+            "(?i)^(gross|labor|company_pay)\\s*\\*\\s*(\\d+(?:\\.\\d+)?)$");
+
+    private final FeServicePlanMapper feServicePlanMapper;
+    private final FeServicePlanFeeRuleMapper feServicePlanFeeRuleMapper;
+    private final ObjectMapper objectMapper;
+
+    public DraftCostCalculationEngine(FeServicePlanMapper feServicePlanMapper,
+                                      FeServicePlanFeeRuleMapper feServicePlanFeeRuleMapper,
+                                      ObjectMapper objectMapper) {
+        this.feServicePlanMapper = feServicePlanMapper;
+        this.feServicePlanFeeRuleMapper = feServicePlanFeeRuleMapper;
+        this.objectMapper = objectMapper;
+    }
 
     public List<CalculatedScheme> calculate(FeEmploymentDraft draft) {
-        BigDecimal laborTotal = draft.getEstimatedTotal();
+        BigDecimal laborTotal = resolveLaborTotal(draft);
         int workerCount = draft.getWorkerCount() != null && draft.getWorkerCount() > 0
                 ? draft.getWorkerCount() : 1;
-        return Arrays.asList(
-                buildSchemeA(laborTotal, workerCount),
-                buildSchemeB(laborTotal, workerCount));
+
+        List<FeServicePlan> plans = listActiveComparisonPlans();
+        if (plans.isEmpty()) {
+            throw new BizException(ErrorCode.BAD_REQUEST, "未配置可用用工方案，请先初始化 fe_service_plan");
+        }
+
+        Map<Long, List<FeServicePlanFeeRule>> rulesByPlan = loadRulesByPlanIds(plans);
+        List<CalculatedScheme> result = new ArrayList<>(plans.size());
+        boolean recommendedAssigned = false;
+        for (FeServicePlan plan : plans) {
+            boolean recommended = !recommendedAssigned;
+            recommendedAssigned = true;
+            result.add(buildScheme(plan, rulesByPlan.getOrDefault(plan.getId(), Collections.emptyList()),
+                    laborTotal, workerCount, recommended));
+        }
+        return result;
+    }
+
+    /**
+     * 劳务费基数：优先人数×天数×日薪；否则用草稿 total_amount（estimated_total）。
+     */
+    private static BigDecimal resolveLaborTotal(FeEmploymentDraft draft) {
+        if (draft.getDailyWage() != null
+                && draft.getWorkerCount() != null && draft.getWorkerCount() > 0
+                && draft.getWorkDays() != null && draft.getWorkDays() > 0) {
+            return draft.getDailyWage()
+                    .multiply(BigDecimal.valueOf(draft.getWorkerCount()))
+                    .multiply(BigDecimal.valueOf(draft.getWorkDays()));
+        }
+        if (draft.getEstimatedTotal() != null
+                && draft.getEstimatedTotal().compareTo(BigDecimal.ZERO) > 0) {
+            return draft.getEstimatedTotal();
+        }
+        throw new BizException(ErrorCode.BAD_REQUEST, "草稿劳务费总额为空，无法测算（需 total_amount 或 人数×天数×日薪）");
+    }
+
+    /** 方案编码是否为库中 active 对比方案（非 current）。 */
+    public boolean isAllowedSchemeCode(String schemeCode) {
+        if (!StringUtils.hasText(schemeCode)) {
+            return false;
+        }
+        String code = schemeCode.trim();
+        return listActiveComparisonPlans().stream()
+                .anyMatch(p -> code.equalsIgnoreCase(p.getPlanCode()));
     }
 
     public McpDraftCalculateResponse toApiResponse(List<CalculatedScheme> schemes) {
@@ -49,37 +124,159 @@ public class DraftCostCalculationEngine {
         return CALC_VERSION;
     }
 
-    private CalculatedScheme buildSchemeA(BigDecimal laborTotal, int workerCount) {
+    private List<FeServicePlan> listActiveComparisonPlans() {
+        LocalDate today = LocalDate.now();
+        List<FeServicePlan> plans = feServicePlanMapper.selectList(new LambdaQueryWrapper<FeServicePlan>()
+                .eq(FeServicePlan::getStatus, STATUS_ACTIVE)
+                .ne(FeServicePlan::getPlanCode, PLAN_CURRENT)
+                .orderByAsc(FeServicePlan::getSortOrder)
+                .orderByAsc(FeServicePlan::getId));
+        List<FeServicePlan> effective = new ArrayList<>();
+        for (FeServicePlan plan : plans) {
+            if (plan.getEffectiveFrom() != null && today.isBefore(plan.getEffectiveFrom())) {
+                continue;
+            }
+            if (plan.getEffectiveTo() != null && today.isAfter(plan.getEffectiveTo())) {
+                continue;
+            }
+            effective.add(plan);
+        }
+        return effective;
+    }
+
+    private Map<Long, List<FeServicePlanFeeRule>> loadRulesByPlanIds(List<FeServicePlan> plans) {
+        List<Long> planIds = new ArrayList<>(plans.size());
+        for (FeServicePlan plan : plans) {
+            planIds.add(plan.getId());
+        }
+        List<FeServicePlanFeeRule> rules = feServicePlanFeeRuleMapper.selectList(
+                new LambdaQueryWrapper<FeServicePlanFeeRule>()
+                        .in(FeServicePlanFeeRule::getPlanId, planIds)
+                        .orderByAsc(FeServicePlanFeeRule::getSortOrder));
+        Map<Long, List<FeServicePlanFeeRule>> map = new HashMap<>();
+        for (FeServicePlanFeeRule rule : rules) {
+            map.computeIfAbsent(rule.getPlanId(), k -> new ArrayList<>()).add(rule);
+        }
+        return map;
+    }
+
+    private CalculatedScheme buildScheme(FeServicePlan plan,
+                                         List<FeServicePlanFeeRule> rules,
+                                         BigDecimal laborTotal,
+                                         int workerCount,
+                                         boolean recommended) {
         BigDecimal companyPay = scaleMoney(laborTotal);
-        BigDecimal serviceFee = scaleMoney(companyPay.multiply(SCHEME_A_SERVICE_FEE_RATE));
-        BigDecimal totalCost = companyPay.add(serviceFee);
         BigDecimal gross = companyPay;
+
+        FeServicePlanFeeRule serviceRule = findRule(rules, FEE_SERVICE);
+        BigDecimal serviceFee = null;
+        if (serviceRule != null) {
+            serviceFee = scaleMoney(calcFeeAmount(gross, serviceRule, plan));
+        } else if (plan.getServiceFeeRate() != null) {
+            serviceFee = scaleMoney(gross.multiply(plan.getServiceFeeRate()));
+        }
+
+        FeServicePlanFeeRule taxRule = findRule(rules, FEE_TAX);
         BigDecimal tax = BigDecimal.ZERO.setScale(2, RoundingMode.HALF_UP);
-        BigDecimal net = gross;
+        if (taxRule != null) {
+            tax = scaleMoney(calcFeeAmount(gross, taxRule, plan));
+        }
+
+        BigDecimal net = scaleMoney(gross.subtract(tax));
+        BigDecimal totalCost = serviceFee != null ? companyPay.add(serviceFee) : companyPay;
+
         return new CalculatedScheme(
-                SCHEME_A,
-                "灵活用工模式（推荐）",
-                Arrays.asList("合规", "低税负"),
-                true,
+                plan.getId(),
+                plan.getPlanCode(),
+                plan.getPlanName(),
+                parseTags(plan.getComplianceTags()),
+                recommended,
                 companyPay, serviceFee, totalCost,
                 gross, tax, net,
                 totalCost, net, workerCount);
     }
 
-    private CalculatedScheme buildSchemeB(BigDecimal laborTotal, int workerCount) {
-        BigDecimal companyPay = scaleMoney(laborTotal);
-        BigDecimal totalCost = companyPay;
-        BigDecimal gross = companyPay;
-        BigDecimal tax = scaleMoney(gross.multiply(SCHEME_B_TAX_RATE));
-        BigDecimal net = gross.subtract(tax);
-        return new CalculatedScheme(
-                SCHEME_B,
-                "劳务报酬模式",
-                Arrays.asList("传统"),
-                false,
-                companyPay, null, totalCost,
-                gross, tax, net,
-                totalCost, net, workerCount);
+    private static FeServicePlanFeeRule findRule(List<FeServicePlanFeeRule> rules, String feeCode) {
+        for (FeServicePlanFeeRule rule : rules) {
+            if (feeCode.equalsIgnoreCase(rule.getFeeCode())) {
+                return rule;
+            }
+        }
+        return null;
+    }
+
+    private BigDecimal calcFeeAmount(BigDecimal base, FeServicePlanFeeRule rule, FeServicePlan plan) {
+        String calcType = rule.getCalcType() == null ? "" : rule.getCalcType().trim().toLowerCase();
+        if (CALC_RATE.equals(calcType)) {
+            BigDecimal rate = rule.getDefaultRate();
+            if (rate == null && plan.getServiceFeeRate() != null
+                    && FEE_SERVICE.equalsIgnoreCase(rule.getFeeCode())) {
+                rate = plan.getServiceFeeRate();
+            }
+            if (rate == null) {
+                rate = parsePlainRate(rule.getCalcExpression());
+            }
+            if (rate == null) {
+                return BigDecimal.ZERO;
+            }
+            return base.multiply(rate);
+        }
+        if (CALC_FIXED.equals(calcType)) {
+            return rule.getDefaultRate() != null ? rule.getDefaultRate() : BigDecimal.ZERO;
+        }
+        if (CALC_FORMULA.equals(calcType)) {
+            return evalFormula(base, rule.getCalcExpression(), plan);
+        }
+        return BigDecimal.ZERO;
+    }
+
+    private static BigDecimal evalFormula(BigDecimal base, String expression, FeServicePlan plan) {
+        if (!StringUtils.hasText(expression)) {
+            return BigDecimal.ZERO;
+        }
+        String expr = expression.trim().replace(" ", "");
+        if ("gross".equalsIgnoreCase(expr) || "labor".equalsIgnoreCase(expr)
+                || "company_pay".equalsIgnoreCase(expr)) {
+            return base;
+        }
+        if (expr.toLowerCase().contains("service_fee_rate") && plan.getServiceFeeRate() != null) {
+            return base.multiply(plan.getServiceFeeRate());
+        }
+        Matcher mulDiv = FORMULA_MUL_DIV.matcher(expr);
+        if (mulDiv.matches()) {
+            return base.multiply(new BigDecimal(mulDiv.group(2)))
+                    .divide(new BigDecimal(mulDiv.group(3)), 8, RoundingMode.HALF_UP);
+        }
+        Matcher mul = FORMULA_MUL.matcher(expr);
+        if (mul.matches()) {
+            return base.multiply(new BigDecimal(mul.group(2)));
+        }
+        BigDecimal plain = parsePlainRate(expression);
+        return plain != null ? base.multiply(plain) : BigDecimal.ZERO;
+    }
+
+    private static BigDecimal parsePlainRate(String text) {
+        if (!StringUtils.hasText(text)) {
+            return null;
+        }
+        try {
+            return new BigDecimal(text.trim());
+        } catch (NumberFormatException ex) {
+            return null;
+        }
+    }
+
+    private List<String> parseTags(String complianceTagsJson) {
+        if (!StringUtils.hasText(complianceTagsJson)) {
+            return Collections.emptyList();
+        }
+        try {
+            List<String> tags = objectMapper.readValue(complianceTagsJson, new TypeReference<List<String>>() {
+            });
+            return tags != null ? tags : Collections.emptyList();
+        } catch (Exception ex) {
+            return Collections.emptyList();
+        }
     }
 
     private McpDraftSchemeResponse toSchemeResponse(CalculatedScheme scheme) {
@@ -117,6 +314,7 @@ public class DraftCostCalculationEngine {
      */
     public static final class CalculatedScheme {
 
+        private final Long planId;
         private final String code;
         private final String title;
         private final List<String> tags;
@@ -131,7 +329,8 @@ public class DraftCostCalculationEngine {
         private final BigDecimal workerTakeHomePerWorker;
         private final int workerCount;
 
-        public CalculatedScheme(String code,
+        public CalculatedScheme(Long planId,
+                                String code,
                                 String title,
                                 List<String> tags,
                                 boolean recommended,
@@ -144,6 +343,7 @@ public class DraftCostCalculationEngine {
                                 BigDecimal employerTotalOutflow,
                                 BigDecimal workerTakeHomePerWorker,
                                 int workerCount) {
+            this.planId = planId;
             this.code = code;
             this.title = title;
             this.tags = tags;
@@ -161,6 +361,10 @@ public class DraftCostCalculationEngine {
             this.workerCount = workerCount;
         }
 
+        public Long getPlanId() {
+            return planId;
+        }
+
         public String getCode() {
             return code;
         }

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/DraftService.java

@@ -57,9 +57,6 @@ public class DraftService {
             new HashSet<>(Arrays.asList("daily", "piece", "monthly")));
     private static final Set<String> ALLOWED_INSURANCE_LEVELS = Collections.unmodifiableSet(
             new HashSet<>(Arrays.asList("basic", "standard", "premium")));
-    private static final Set<String> ALLOWED_SCHEME_CODES = Collections.unmodifiableSet(
-            new HashSet<>(Arrays.asList(DraftCostCalculationEngine.SCHEME_A, DraftCostCalculationEngine.SCHEME_B)));
-
     private static final Map<String, String> FIELD_LABELS;
 
     static {
@@ -145,7 +142,7 @@ public class DraftService {
         }
         FeEmploymentDraft draft = requireOwnedReady(userId, draftId);
         String schemeCode = request.getSelectedSchemeCode().trim().toUpperCase();
-        if (!ALLOWED_SCHEME_CODES.contains(schemeCode)) {
+        if (!draftCostCalculationEngine.isAllowedSchemeCode(schemeCode)) {
             throw new BizException(ErrorCode.BAD_REQUEST, "不支持的方案编码：" + request.getSelectedSchemeCode());
         }
 
@@ -179,7 +176,7 @@ public class DraftService {
                 .set(FeEmploymentDraft::getStatus, STATUS_CONFIRMED)
                 .set(FeEmploymentDraft::getConfirmedAt, now)
                 .set(FeEmploymentDraft::getConfirmedBy, userId)
-                .set(FeEmploymentDraft::getSelectedPlanId, snapshot.getId())
+                .set(FeEmploymentDraft::getSelectedPlanId, snapshot.getPlanId())
                 .set(FeEmploymentDraft::getEstimatedTotal, snapshot.getEmployerTotalOutflow())
                 .set(FeEmploymentDraft::getEstimatedPerCapita, snapshot.getEmployerAvgCostPerWorker())
                 .set(FeEmploymentDraft::getUpdateTime, now));
@@ -215,6 +212,7 @@ public class DraftService {
         for (DraftCostCalculationEngine.CalculatedScheme scheme : schemes) {
             FeDraftCostSnapshot snapshot = new FeDraftCostSnapshot();
             snapshot.setDraftId(draft.getId());
+            snapshot.setPlanId(scheme.getPlanId());
             snapshot.setPlanCode(scheme.getCode());
             snapshot.setPlanName(scheme.getTitle());
             snapshot.setEmployerTotalOutflow(scheme.getEmployerTotalOutflow());
@@ -235,9 +233,9 @@ public class DraftService {
                 .filter(DraftCostCalculationEngine.CalculatedScheme::isRecommended)
                 .findFirst()
                 .orElse(schemes.get(0));
+        // 仅刷新人均预估；保留 estimated_total 作为劳务费基数（total_amount），避免二次测算被污染
         FeEmploymentDraft update = new FeEmploymentDraft();
         update.setId(draft.getId());
-        update.setEstimatedTotal(recommended.getEmployerTotalOutflow());
         update.setEstimatedPerCapita(recommended.getEmployerAvgCostPerWorker());
         update.setUpdateTime(now);
         feEmploymentDraftMapper.updateById(update);
@@ -259,7 +257,7 @@ public class DraftService {
         order.setEnterpriseId(draft.getEnterpriseId());
         order.setUserId(draft.getUserId() != null ? draft.getUserId() : userId);
         order.setDraftId(draft.getId());
-        order.setSelectedPlanId(snapshot.getId());
+        order.setSelectedPlanId(snapshot.getPlanId());
         order.setTitle(StringUtils.hasText(draft.getTitle()) ? draft.getTitle() : "用工订单");
         order.setWorkerCount(draft.getWorkerCount());
         order.setWorkDays(draft.getWorkDays());

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/McpDraftService.java

@@ -74,9 +74,6 @@ public class McpDraftService {
     private static final Set<String> ALLOWED_SETTLEMENT_MODES = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(
             "daily", "piece", "monthly")));
 
-    private static final Set<String> ALLOWED_SCHEME_CODES = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(
-            DraftCostCalculationEngine.SCHEME_A, DraftCostCalculationEngine.SCHEME_B)));
-
     private final FeEmploymentDraftMapper feEmploymentDraftMapper;
     private final FeDraftFieldMapper feDraftFieldMapper;
     private final FeDraftCostSnapshotMapper feDraftCostSnapshotMapper;
@@ -176,7 +173,7 @@ public class McpDraftService {
         FeConversation conversation = conversationService.requireBySessionId(sessionId);
         FeEmploymentDraft draft = requireReadyDraft(conversation.getId());
         String schemeCode = request.getSelectedSchemeCode().trim().toUpperCase();
-        if (!ALLOWED_SCHEME_CODES.contains(schemeCode)) {
+        if (!draftCostCalculationEngine.isAllowedSchemeCode(schemeCode)) {
             throw new BizException(ErrorCode.BAD_REQUEST, "不支持的方案编码：" + request.getSelectedSchemeCode());
         }
         FeDraftCostSnapshot snapshot = findLatestSnapshot(draft.getId(), schemeCode);
@@ -199,6 +196,7 @@ public class McpDraftService {
         draftUpdate.setId(draft.getId());
         draftUpdate.setStatus(DB_STATUS_CONFIRMED);
         draftUpdate.setConfirmedAt(now);
+        draftUpdate.setSelectedPlanId(snapshot.getPlanId());
         draftUpdate.setEstimatedTotal(snapshot.getEmployerTotalOutflow());
         draftUpdate.setEstimatedPerCapita(snapshot.getEmployerAvgCostPerWorker());
         draftUpdate.setUpdateTime(now);
@@ -228,6 +226,7 @@ public class McpDraftService {
         for (DraftCostCalculationEngine.CalculatedScheme scheme : schemes) {
             FeDraftCostSnapshot snapshot = new FeDraftCostSnapshot();
             snapshot.setDraftId(draft.getId());
+            snapshot.setPlanId(scheme.getPlanId());
             snapshot.setPlanCode(scheme.getCode());
             snapshot.setPlanName(scheme.getTitle());
             snapshot.setEmployerTotalOutflow(scheme.getEmployerTotalOutflow());
@@ -248,9 +247,9 @@ public class McpDraftService {
                 .filter(DraftCostCalculationEngine.CalculatedScheme::isRecommended)
                 .findFirst()
                 .orElse(schemes.get(0));
+        // 仅刷新人均预估；保留 estimated_total 作为劳务费基数（total_amount），避免二次测算被污染
         FeEmploymentDraft update = new FeEmploymentDraft();
         update.setId(draft.getId());
-        update.setEstimatedTotal(recommended.getEmployerTotalOutflow());
         update.setEstimatedPerCapita(recommended.getEmployerAvgCostPerWorker());
         update.setUpdateTime(now);
         feEmploymentDraftMapper.updateById(update);
@@ -271,6 +270,7 @@ public class McpDraftService {
         order.setEnterpriseId(draft.getEnterpriseId());
         order.setUserId(draft.getUserId());
         order.setDraftId(draft.getId());
+        order.setSelectedPlanId(snapshot.getPlanId());
         order.setTitle(StringUtils.hasText(draft.getTitle()) ? draft.getTitle() : "用工订单");
         order.setWorkerCount(draft.getWorkerCount());
         order.setWorkDays(draft.getWorkDays());

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/DraftConfirmRequest.java

@@ -0,0 +1,25 @@
+package com.huimv.employment.service.draft.dto;
+
+import com.fasterxml.jackson.annotation.JsonAlias;
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+
+import javax.validation.constraints.NotBlank;
+
+@Schema(description = "小程序确认用工方案请求")
+public class DraftConfirmRequest {
+
+    @NotBlank(message = "selected_scheme_code 不能为空")
+    @JsonProperty("selected_scheme_code")
+    @JsonAlias({"selected_plan_id", "selectedPlanId", "selectedSchemeCode"})
+    @Schema(description = "选定的方案编码", example = "SCHEME_A", requiredMode = Schema.RequiredMode.REQUIRED)
+    private String selectedSchemeCode;
+
+    public String getSelectedSchemeCode() {
+        return selectedSchemeCode;
+    }
+
+    public void setSelectedSchemeCode(String selectedSchemeCode) {
+        this.selectedSchemeCode = selectedSchemeCode;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/DraftConfirmResponse.java

@@ -0,0 +1,67 @@
+package com.huimv.employment.service.draft.dto;
+
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+
+@Schema(description = "小程序确认用工方案响应")
+public class DraftConfirmResponse {
+
+    @Schema(description = "接口处理结果", example = "success")
+    private String status;
+
+    @JsonProperty("draft_status")
+    @Schema(description = "草稿状态，确认成功后为 confirmed", example = "confirmed")
+    private String draftStatus;
+
+    @JsonProperty("order_id")
+    @Schema(description = "生成的订单编号", example = "ord_123")
+    private String orderId;
+
+    @JsonProperty("draft_id")
+    @Schema(description = "草稿 ID")
+    private Long draftId;
+
+    @JsonProperty("selected_scheme_code")
+    @Schema(description = "确认的方案编码", example = "SCHEME_A")
+    private String selectedSchemeCode;
+
+    public String getStatus() {
+        return status;
+    }
+
+    public void setStatus(String status) {
+        this.status = status;
+    }
+
+    public String getDraftStatus() {
+        return draftStatus;
+    }
+
+    public void setDraftStatus(String draftStatus) {
+        this.draftStatus = draftStatus;
+    }
+
+    public String getOrderId() {
+        return orderId;
+    }
+
+    public void setOrderId(String orderId) {
+        this.orderId = orderId;
+    }
+
+    public Long getDraftId() {
+        return draftId;
+    }
+
+    public void setDraftId(Long draftId) {
+        this.draftId = draftId;
+    }
+
+    public String getSelectedSchemeCode() {
+        return selectedSchemeCode;
+    }
+
+    public void setSelectedSchemeCode(String selectedSchemeCode) {
+        this.selectedSchemeCode = selectedSchemeCode;
+    }
+}