Merge branch 'master' of http://39.101.143.165:8090/785834757/jzg

tenant/insurance/quotation-ansheng/src/main/java/com/jzg/quotation/ansheng/crawler/service/impl/AnShengCrawlerRequestImpl.java

@@ -39,14 +39,12 @@ import org.springframework.util.MultiValueMap;
 import java.net.URLEncoder;
 import java.nio.charset.StandardCharsets;
 import java.time.Year;
-import java.util.ArrayList;
-import java.util.List;
-import java.util.Map;
-import java.util.Optional;
+import java.util.*;
 import java.util.concurrent.TimeUnit;
 import java.util.regex.Matcher;
 import java.util.regex.Pattern;
 import java.util.stream.Collectors;
+import java.util.stream.Stream;
 
 
 @Slf4j
@@ -335,7 +333,7 @@ public class AnShengCrawlerRequestImpl implements AnShengCrawlerRequest {
             } else if (DepartmentPlanCode.PLAN_109.getCode().equals(dataDTO.getPlanCode()) || DepartmentPlanCode.PLAN_113.getCode().equals(dataDTO.getPlanCode())) {
                 anShengCrawlerOrder.setBiPolicyNo(dataDTO.getApplyPolicyNo());
             } else {
-                String jy = com.jzg.commons.util.StringUtils.isEmpty(dataDTO.getProductCode()) ? "" : dataDTO.getProductCode();
+                String jy = StringUtils.isEmpty(dataDTO.getProductCode()) ? "" : dataDTO.getProductCode();
                 AnShengCrawlerOrder.NiInfo niInfo = new AnShengCrawlerOrder.NiInfo();
                 niInfo.setNiPolicyNo(jy);
                 niInfoList.add(niInfo);
@@ -467,18 +465,74 @@ public class AnShengCrawlerRequestImpl implements AnShengCrawlerRequest {
 
     @Override
     public OrderStatusResultVo queryOrderState(OrderStatusVo orderStatusVo) {
-        // 获取订单信息
-        AnShengCrawlerOrder anShengCrawlerOrder = anShengCrawlerOrderService.getById(orderStatusVo.getOrder().getOrdersNo());
-        // 获取请求头
-        HttpHeaders httpHeaders = anShengCrawlerQuoteProcessService.getHttpHeaders(orderStatusVo.getOrder().getAttributionInformationVo());
-        // 归属信息
-        AnShengCrawlerGetUserDetailResponse.DataDTO.AgentDefineDTO userDetailResponse = anShengCrawlerQuoteProcessService.getUserDetailResponse(orderStatusVo.getOrder().getAgreementId(), httpHeaders);
-        // 查询订单状态
-        AnShengCrawlerComprehensiveQueryInsurenetRequest crawlerComprehensiveQueryInsurenet = new AnShengCrawlerComprehensiveQueryInsurenetRequest(userDetailResponse.getAgentCode(), userDetailResponse.getDepartmentCode(), anShengCrawlerOrder.getOrderNo(), anShengCrawlerOrder.getRecordingTime());
-        AnShengCrawlerComprehensiveQueryInsurenetResponse queryDocumentsInformationResponse = anShengCrawlerRequestComponent.comprehensiveQueryInsurenet(crawlerComprehensiveQueryInsurenet, httpHeaders);
-        List<AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO> list = queryDocumentsInformationResponse.getData().getList();
-
-        return null;
+        OrderStatusResultVo resultVo = new OrderStatusResultVo();
+        // 默认状态：若后续流程未匹配到明确状态，则回退到原始状态
+        InsOrderStatusEnum defaultStatus = InsOrderStatusEnum.matchKey(orderStatusVo.getInsOrders().getOrderStatus());
+        resultVo.setOrderStatus(defaultStatus);
+        try {
+            // 1. 获取基础信息
+            AnShengCrawlerOrder crawlerOrder = anShengCrawlerOrderService.getById(orderStatusVo.getOrder().getOrdersNo());
+            HttpHeaders httpHeaders = anShengCrawlerQuoteProcessService.getHttpHeaders(orderStatusVo.getOrder().getAttributionInformationVo());
+            AnShengCrawlerGetUserDetailResponse.DataDTO.AgentDefineDTO userDetail = anShengCrawlerQuoteProcessService.getUserDetailResponse(orderStatusVo.getOrder().getAgreementId(), httpHeaders);
+            // 2. 查询订单状态
+            AnShengCrawlerComprehensiveQueryInsurenetRequest request = new AnShengCrawlerComprehensiveQueryInsurenetRequest(userDetail.getAgentCode(), userDetail.getDepartmentCode(), crawlerOrder.getOrderNo(), crawlerOrder.getRecordingTime());
+            AnShengCrawlerComprehensiveQueryInsurenetResponse response = anShengCrawlerRequestComponent.comprehensiveQueryInsurenet(request, httpHeaders);
+
+            if (response == null || response.getData() == null || response.getData().getList() == null) {
+                return resultVo;
+            }
+            Set<String> targetPolicyNos = Stream.of(crawlerOrder.getCiPolicyNo(), crawlerOrder.getBiPolicyNo())
+                    .filter(StringUtils::isNotEmpty)
+                    .collect(Collectors.toSet());
+            List<AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO.PolicyConciseDetailsDTO> matchedDetails =
+                    response.getData().getList().stream()
+                            .map(AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO::getPolicyConciseDetails)
+                            .filter(Objects::nonNull)
+                            .filter(details -> {
+                                Set<String> currentPolicyNos = details.stream()
+                                        .map(AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO.PolicyConciseDetailsDTO::getApplyPolicyNo)
+                                        .collect(Collectors.toSet());
+                                return currentPolicyNos.equals(targetPolicyNos);
+                            })
+                            .findFirst()
+                            .orElse(null);
+            if (matchedDetails == null || matchedDetails.isEmpty()) {
+                return resultVo;
+            }
+            List<String> underwriteMarks = matchedDetails.stream().map(AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO.PolicyConciseDetailsDTO::getUnderwriteMark).collect(Collectors.toList());
+            String baseMark = underwriteMarks.get(0);
+            boolean allMarksSame = underwriteMarks.stream().allMatch(mark -> Objects.equals(baseMark, mark));
+            if (!allMarksSame) {
+                return resultVo;
+            }
+            if ("9".equals(baseMark) || "2".equals(baseMark)) {
+                boolean isPayPending = "9".equals(baseMark);
+                // 获取支付链接
+                PaymentLinkVo paymentLinkVo = new PaymentLinkVo();
+                paymentLinkVo.setOrder(orderStatusVo.getOrder());
+                PaymentLinkResultsVo paymentLinkResultsVo = loopAcquisitionPaymentLink(paymentLinkVo);
+                resultVo.setOrderStatus(isPayPending ? InsOrderStatusEnum.PAY_PENDING : InsOrderStatusEnum.UNDERWRITED);
+                resultVo.setOrderStatusStr(isPayPending ? "4" : "5");
+                resultVo.setPaymentLink(paymentLinkResultsVo.getPaymentLink());
+                resultVo.setErrorMsg("");
+                for (AnShengCrawlerComprehensiveQueryInsurenetResponse.DataDTO.ListDTO.PolicyConciseDetailsDTO detail : matchedDetails) {
+                    String planCode = detail.getPlanCode();
+                    if ("105".equals(planCode)) {
+                        resultVo.setJqPolicyno(detail.getPolicyNo());
+                        resultVo.setJqApplyNo(detail.getApplyPolicyNo());
+                    } else if ("109".equals(planCode)) {
+                        resultVo.setSyPolicyno(detail.getPolicyNo());
+                        resultVo.setSyApplyNo(detail.getApplyPolicyNo());
+                    } else if ("P13".equals(planCode)) {
+                        resultVo.setJyPolicyno(detail.getPolicyNo());
+                        resultVo.setJyApplyNo(detail.getApplyPolicyNo());
+                    }
+                }
+            }
+        } catch (Exception e) {
+            log.error("查询安盛订单状态异常, ordersNo: {}", orderStatusVo.getOrder().getOrdersNo(), e);
+        }
+        return resultVo;
     }
 
 }

tenant/insurance/quotation-dajia/src/main/java/com/jzg/quotation/dajia/crawler/service/impl/DaJiaCrawlerQuoteProcessServiceImpl.java

@@ -61,7 +61,8 @@ public class DaJiaCrawlerQuoteProcessServiceImpl implements DaJiaCrawlerQuotePro
                 DaJiaCrawlerAuthenticateResponse daJiaCrawlerCaptchaResponse = DESEncryption.decryptStrToObject(response.getResult(), DaJiaCrawlerAuthenticateResponse.class);
                 // 校验token
                 String token = checkToken(daJiaCrawlerCaptchaResponse.getUserCode(), daJiaCrawlerCaptchaResponse.getIdToken());
-                return daJiaCrawlerCacheComponent.cacheAuthorization(token, daJiaCrawlerCaptchaResponse.getUserCode(), username);
+                String userCode = daJiaCrawlerCaptchaResponse.getUserCode();
+                return daJiaCrawlerCacheComponent.cacheAuthorization(token, com.jzg.commons.util.StringUtils.isNotEmpty(userCode) ? userCode : username, username);
             }
 
             String message = Optional.ofNullable(responseEntity.getBody())

tenant/insurance/quotation-taikang/src/main/java/com/jzg/quotation/taikang/crawler/build/TkCrawlerQuoteResultsBuild.java

@@ -135,8 +135,8 @@ public class TkCrawlerQuoteResultsBuild {
         BigDecimal total = ci.add(bi).add(jyx).add(vv).add(tlt);
         quoteResultsVo.getCosts().setSumPremium(total.toPlainString());
         // 折扣
-        quoteResultsVo.getScoreVo().setJqAdjustRate(preciseInitResult.getCiDisCount() != null ? preciseInitResult.getCiDisCount().toString() : null);
-        quoteResultsVo.getScoreVo().setSyAdjustRate(preciseInitResult.getBzDisCount() != null ? preciseInitResult.getBzDisCount().toString() : null);
+        quoteResultsVo.getScoreVo().setJqAdjustRate(preciseInitResult.getBzDisCount() != null ? preciseInitResult.getBzDisCount().toString() : null);
+        quoteResultsVo.getScoreVo().setSyAdjustRate(preciseInitResult.getCiDisCount() != null ? preciseInitResult.getCiDisCount().toString() : null);
         // 交强续保
         quoteResultsVo.getScoreVo().setJqRenewal(convertRenewalFlag(preciseInitResult.getFlag().getRenewalBZFlag()));
         // 商业续保

tenant/insurance/quotation-taikang/src/main/java/com/jzg/quotation/taikang/crawler/service/TKCommonUtil.java

@@ -1,7 +1,20 @@
 package com.jzg.quotation.taikang.crawler.service;
 
+import com.jzg.commons.constants.quote.enums.quote.CarKindCode;
+import com.jzg.commons.constants.quote.enums.quote.VehicleUseCode;
+import com.jzg.commons.entity.quote.vo.CarInfoVo;
+import com.jzg.commons.entity.quote.vo.CustomerInfoVo;
+import com.jzg.commons.util.IDCardUtils;
+import com.jzg.quotation.taikang.crawler.model.entity.TKCar;
+import com.jzg.quotation.taikang.crawler.model.entity.TKCarModel;
+import com.jzg.quotation.taikang.crawler.model.entity.TKCarOwnerVo;
+import org.apache.commons.lang3.StringUtils;
+
+import java.math.BigDecimal;
 import java.util.Arrays;
 import java.util.List;
+import java.util.Map;
+import java.util.Optional;
 
 public class TKCommonUtil {
 
@@ -10,6 +23,19 @@ public class TKCommonUtil {
      */
     private static final List<Character> firstChar = Arrays.asList('A', 'B', 'C', 'D', 'J', 'K', 'L', 'Q', 'R', 'S', 'V', 'Y');
 
+    /**
+     * 车辆使用性质代码映射表：公司系统代码 -> 保司系统代码
+     */
+    public static final Map<String, String> VEHICLE_USE_CODE_MAP = Map.of(
+            VehicleUseCode.VEHICLE_USE_CODE_05.getCode(), "8A",
+            VehicleUseCode.VEHICLE_USE_CODE_06.getCode(), "8C",
+            VehicleUseCode.VEHICLE_USE_CODE_07.getCode(), "8B",
+            VehicleUseCode.VEHICLE_USE_CODE_01.getCode(), "9",
+            VehicleUseCode.VEHICLE_USE_CODE_02.getCode(), "9",
+            VehicleUseCode.VEHICLE_USE_CODE_03.getCode(), "9",
+            VehicleUseCode.VEHICLE_USE_CODE_04.getCode(), "9"
+    );
+
     /**
      * 是否为军队的车牌号
      *
@@ -41,4 +67,78 @@ public class TKCommonUtil {
 
         return false;
     }
+
+    /**
+     * 根据车辆大类代码解析保司车辆类型
+     * <p>
+     * 将公司系统的车辆大类代码转换为保司系统的车辆类型代码
+     *
+     * @param carKindCode 车辆大类代码
+     * @return 保司车辆类型代码 (A/D)
+     */
+    public static String resolveCarType(String carKindCode) {
+        if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
+            return "A";
+        } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
+            return "D";
+        } else {
+            throw new RuntimeException("未知车辆大类：" + carKindCode);
+        }
+    }
+
+    /**
+     * 获取字符串中第一个小数点之前的部分
+     * <p>
+     * 用于处理排量、购车价等需要去掉小数部分的场景
+     *
+     * @param value 原始字符串
+     * @return 小数点之前的部分，若没有小数点则返回原字符串
+     */
+    public static String substringBeforeDot(String value) {
+        if (StringUtils.isBlank(value)) {
+            return value;
+        }
+        int dotIndex = value.indexOf(".");
+        return dotIndex > 0 ? value.substring(0, dotIndex) : value;
+    }
+
+    /**
+     * 构建车主信息对象
+     * <p>
+     * 根据公司系统的车主信息构建保司系统的车主信息对象
+     *
+     * @param ownersInfo 公司系统车主信息（可为null）
+     * @return 保司系统车主信息对象
+     */
+    public static TKCarOwnerVo buildCarOwnerVo(CustomerInfoVo ownersInfo) {
+        TKCarOwnerVo carOwnerVo = new TKCarOwnerVo();
+        Optional.ofNullable(ownersInfo)
+                .ifPresent(info -> {
+                    carOwnerVo.setCarOwnerNature("1");
+                    carOwnerVo.setCertificateType("01");
+                    carOwnerVo.setId(info.getIdentifyNumber());
+                    carOwnerVo.setName(info.getName());
+                    carOwnerVo.setBirthDate(info.getBirthday());
+                    carOwnerVo.setSerialno(BigDecimal.ZERO);
+                    carOwnerVo.setSex(IDCardUtils.getSex(info.getIdentifyNumber()));
+                    carOwnerVo.setInsuredAddress("");
+                });
+        return carOwnerVo;
+    }
+
+    /**
+     * 构建车辆基本信息
+     * <p>
+     * 设置车辆的基础属性：燃油类型、车型名称、票据日期等
+     *
+     * @param car        车辆信息对象
+     * @param tkCarModel 车型信息
+     */
+    public static void buildCarBasicInfo(TKCar car, TKCarModel tkCarModel) {
+        car.setFuelType(tkCarModel.getFuelType());
+        car.setModelName(tkCarModel.getModelName());
+        car.setBillDate("");
+        car.setCarBookingTime("");
+        car.setBillNo("");
+    }
 }

tenant/insurance/quotation-taikang/src/main/java/com/jzg/quotation/taikang/crawler/service/TKHttpAPIService.java

@@ -1,12 +1,12 @@
 package com.jzg.quotation.taikang.crawler.service;
 
 import cn.hutool.core.bean.BeanUtil;
-import com.jzg.commons.constants.quote.enums.quote.CarKindCode;
-import com.jzg.commons.constants.quote.enums.quote.VehicleUseCode;
+
 import com.jzg.commons.entity.quote.vo.CarInfoVo;
 import com.jzg.commons.entity.quote.vo.CustomerInfoVo;
 import com.jzg.commons.entity.quote.vo.QuoteVo;
 import com.jzg.commons.exception.SystemException;
+
 import com.jzg.quotation.commons.filter.CarModelsFilterUtils;
 import com.jzg.quotation.taikang.crawler.CodeUtil;
 import com.jzg.quotation.taikang.crawler.JsonUtil;
@@ -395,137 +395,126 @@ public class TKHttpAPIService {
     }
 
     /**
-     * 09 交管车辆类型校验
+     * 交管车辆类型校验
+     * <p>
+     * 该方法负责构建车辆类型校验参数，调用保司接口进行交管车辆类型校验。
+     * <p>
+     * 主要处理逻辑：
+     * 1. 参数初始化：设置渠道代码、订单ID和车型信息
+     * 2. 车主信息构建：从公司系统参数提取车主信息
+     * 3. 投保人信息构建：初始化投保人、被保险人、联系人信息
+     * 4. 车辆信息构建：设置车辆基本信息、类型、过户状态、使用性质等
+     * 5. 请求组装：组装完整的校验参数并调用保司接口
      *
-     * @return
+     * @param session                登录会话信息
+     * @param commonQuoteVo          公司系统报价参数
+     * @param mainOrderId            主订单ID
+     * @param carModelinfoQueryResult 车型查询结果
+     * @return 校验结果
      */
     public String carModelinfoCheckVehicleType(TKLoginSession session, QuoteVo commonQuoteVo, String mainOrderId, CarModelinfoQueryResult carModelinfoQueryResult) {
-        CarModelinfoCheckVehicleTypeParam carModelinfoCheckVehicleTypeParam = new CarModelinfoCheckVehicleTypeParam();
-        carModelinfoCheckVehicleTypeParam.setChannelCode("OffWeb");
-        carModelinfoCheckVehicleTypeParam.setOrderId(mainOrderId);
-        TKCarModel tkCarModel = CarModelsFilterUtils.to(carModelinfoQueryResult.getCarModel(), commonQuoteVo.getCarInfoVo());
+        // ========== 1. 参数初始化 ==========
+
+        CarModelinfoCheckVehicleTypeParam param = new CarModelinfoCheckVehicleTypeParam();
+        param.setChannelCode("OffWeb");
+        param.setOrderId(mainOrderId);
+
+        // 获取车型信息并设置必要字段
+        TKCarModel tkCarModel = CarModelsFilterUtils.to(
+                carModelinfoQueryResult.getCarModel(),
+                commonQuoteVo.getCarInfoVo()
+        );
         tkCarModel.setVehicleStyleUniqueId("");
-        CarModelinfoQueryResult.CarInfoDto carInfoDto = carModelinfoQueryResult.getCarInfoDto();
-
-        // 车辆所有人信息
-        TKCarOwnerVo carOwnerVo = new TKCarOwnerVo();
-        CustomerInfoVo commonCustomersInfo = commonQuoteVo.getOwnersInfo();
-        if (commonCustomersInfo != null) {
-            carOwnerVo.setCarOwnerNature("1"); // todo
-            carOwnerVo.setCertificateType("01");  // 身份证
-            carOwnerVo.setId(commonCustomersInfo.getIdentifyNumber());
-            carOwnerVo.setName(commonCustomersInfo.getName());
-            carOwnerVo.setBirthDate(commonCustomersInfo.getBirthday());
-            carOwnerVo.setSerialno(BigDecimal.ZERO);
-            carOwnerVo.setSex(commonCustomersInfo.getGender()); // todo
-            carOwnerVo.setInsuredAddress("");
-        }
 
+        // ========== 2. 车主信息构建 ==========
+
+        TKCarOwnerVo carOwnerVo = TKCommonUtil.buildCarOwnerVo(commonQuoteVo.getOwnersInfo());
+
+        // ========== 3. 投保人信息构建 ==========
 
-        // 投保人信息
         SaveBasicInfoParam.InsureInfo insureInfo = new SaveBasicInfoParam.InsureInfo();
         insureInfo.setAppliInfo(new SaveBasicInfoParam.AppliInfo());
         insureInfo.setInsuredInfo(new SaveBasicInfoParam.InsuredInfo());
         insureInfo.setContacts(new SaveBasicInfoParam.Contacts());
 
-        // 车辆信息
-        TKCar car = new TKCar();
-        car.setFuelType(tkCarModel.getFuelType()); // todo 燃油类型
-        car.setModelName(tkCarModel.getModelName()); // todo
-        car.setBillDate(""); // 页面上没有输入框，可能是北京地区才用到
-        car.setCarBookingTime(""); // 页面上没有输入框，原注释为“上海地区开具发票日期”，但感觉是车辆时间。
-        car.setBillNo(""); // 页面上没有输入框，发票号
-
-        CarInfoVo commonCarInfoVo = commonQuoteVo.getCarInfoVo();
-
-        if (commonCarInfoVo != null) {
-            // 车辆大类
-            String carKindCode = commonCarInfoVo.getCarKindCode();
-
-            if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
-                car.setCarType("A");
-            } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
-                car.setCarType("D");
-            } else {
-                throw new RuntimeException("未知车辆大类：" + carKindCode);
-            }
+        // ========== 4. 车辆信息构建 ==========
 
-            CodeUtil.autoSetter(car::setLicenseNo, commonCarInfoVo::getLicenseNo, tkCarModel::getLicenseNo);
-            car.setVinNo(commonCarInfoVo.getVinNo());
-            car.setEngineNo(commonCarInfoVo.getEngineNo());
-            car.setEnrollDate(commonCarInfoVo.getRegisterDate());
-            CodeUtil.autoSetter(car::setTransferDate, commonCarInfoVo::getTransferDate, null);
-            CodeUtil.autoSetter(car::setPurchasePrice, commonCarInfoVo::getPurchasePrice, tkCarModel::getReplacementValue);
-            CodeUtil.autoSetter(car::setSelectedSeat, commonCarInfoVo::getSeatCount, () -> tkCarModel.getVehicleJingyou().getSeat());
-            CodeUtil.autoSetter(car::setExhaustScale, commonCarInfoVo::getDisplacement, tkCarModel::getDisplacement);  // 排量
-            CodeUtil.autoSetter(car::setBrandName, commonCarInfoVo::getBrandName, tkCarModel::getModelName); // todo 与 tkCarModel.getModelName() 重复
-
-            car.setSeatFlag(1); // todo
-            car.setExhaustScale(tkCarModel.getDisplacement().substring(0, tkCarModel.getDisplacement().indexOf(".")));
-            car.setPurchasePrice(tkCarModel.getPurchasePrice().substring(0, tkCarModel.getPurchasePrice().indexOf(".")));
-
-            Double tonCount = commonCarInfoVo.getTonCountDouble();
-            if (tonCount != null && tonCount > 2) {
-                // 好像主要是货车使用此字段
-                car.setTonnageFlag("1");
-            } else {
-                car.setTonnageFlag("0");
-            }
-
-            if (commonCarInfoVo.isTransfer()) {
-                car.setChgOwnerFlag("1"); // 是过户
-                car.setTransferDate(commonCarInfoVo.getTransferDate()); // 过户时间
-            } else {
-                car.setChgOwnerFlag("0"); // 不是过户
-                car.setTransferDate("");
-            }
-
-            String vehicleUseCode = commonCarInfoVo.getVehicleUseCode();
-
-            if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_05.getCode())) {
-                // 05 家庭自用 = 8A 家庭自用
-                car.setUseNatureCodeCode("8A"); // 页面上选择的家庭自用、非营业企业、、、、
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_06.getCode())) {
-                // 06 非营业企业 = 8C 非营业党政机关事业团体
-                car.setUseNatureCodeCode("8C");
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_07.getCode())) {
-                // 07 非营业企业 = 8B 非营业企业
-                car.setUseNatureCodeCode("8B");
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_01.getCode())) {
-                // 01 营业出租租赁 = 9 营业
-                car.setUseNatureCodeCode("9");
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_02.getCode())) {
-                // 02 营业城市公交 = 9 营业
-                car.setUseNatureCodeCode("9");
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_03.getCode())) {
-                // 03 营业公路客运 = 9 营业
-                car.setUseNatureCodeCode("9");
-            } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_04.getCode())) {
-                // 04 营业货运 = 9 营业
-                car.setUseNatureCodeCode("9");
-            } else {
-                // 默认 8B 非营业企业
-                car.setUseNatureCodeCode("8B");
-            }
-            TKSimpleService.setLicenseTypeByLicenseNo(car, car.getLicenseNo());
-        }
+        TKCar car = new TKCar();
 
-        String passengerSeat = this.carTypePassengerSeat(session.getToken(), session.getTplatformId(), session.getFromid(), session.getComCode());
+        // 设置车辆基本信息
+        TKCommonUtil.buildCarBasicInfo(car, tkCarModel);
+
+        // 使用 Optional 处理车辆信息的空值情况
+        Optional.ofNullable(commonQuoteVo.getCarInfoVo())
+                .ifPresent(commonCarInfoVo -> {
+                    // 设置车辆大类（通过辅助方法解析）
+                    car.setCarType(TKCommonUtil.resolveCarType(commonCarInfoVo.getCarKindCode()));
+
+                    // 使用 autoSetter 设置可选字段（优先使用公司系统值，其次使用车型查询值）
+                    CodeUtil.autoSetter(car::setLicenseNo, commonCarInfoVo::getLicenseNo, tkCarModel::getLicenseNo);
+                    CodeUtil.autoSetter(car::setTransferDate, commonCarInfoVo::getTransferDate, null);
+                    CodeUtil.autoSetter(car::setPurchasePrice, commonCarInfoVo::getPurchasePrice, tkCarModel::getReplacementValue);
+                    CodeUtil.autoSetter(car::setSelectedSeat, commonCarInfoVo::getSeatCount, () -> tkCarModel.getVehicleJingyou().getSeat());
+                    CodeUtil.autoSetter(car::setExhaustScale, commonCarInfoVo::getDisplacement, tkCarModel::getDisplacement);
+                    CodeUtil.autoSetter(car::setBrandName, commonCarInfoVo::getBrandName, tkCarModel::getModelName);
+
+                    // 设置固定字段和从车型提取的字段（去掉小数部分）
+                    car.setSeatFlag(1);
+                    car.setExhaustScale(TKCommonUtil.substringBeforeDot(tkCarModel.getDisplacement()));
+                    car.setPurchasePrice(TKCommonUtil.substringBeforeDot(tkCarModel.getPurchasePrice()));
+                    car.setVinNo(commonCarInfoVo.getVinNo());
+                    car.setEngineNo(commonCarInfoVo.getEngineNo());
+                    car.setEnrollDate(commonCarInfoVo.getRegisterDate());
+
+                    // 设置吨位标志（两吨以上货车标记为1）
+                    car.setTonnageFlag(Optional.ofNullable(commonCarInfoVo.getTonCountDouble())
+                            .filter(ton -> ton > 2)
+                            .map(ton -> "1")
+                            .orElse("0"));
+
+                    // 设置过户标志和过户时间
+                    if (commonCarInfoVo.isTransfer()) {
+                        car.setChgOwnerFlag("1");
+                        car.setTransferDate(commonCarInfoVo.getTransferDate());
+                    } else {
+                        car.setChgOwnerFlag("0");
+                        car.setTransferDate("");
+                    }
+
+                    // 设置车辆使用性质（通过映射表转换，默认8B非营业企业）
+                    String vehicleUseCode = commonCarInfoVo.getVehicleUseCode();
+                    car.setUseNatureCodeCode(TKCommonUtil.VEHICLE_USE_CODE_MAP.getOrDefault(vehicleUseCode, "8B"));
+
+                    // 设置车牌类型
+                    TKSimpleService.setLicenseTypeByLicenseNo(car, car.getLicenseNo());
+                });
+
+        // 根据渠道调整车辆类型
+        String passengerSeat = this.carTypePassengerSeat(
+                session.getToken(),
+                session.getTplatformId(),
+                session.getFromid(),
+                session.getComCode()
+        );
+        Optional.ofNullable(carType(passengerSeat, car.getCarType(), carOwnerVo.getCarOwnerNature()))
+                .ifPresent(car::setCarType);
+
+        // 设置车型列表和品牌名称
+        car.setCarModel(List.of(tkCarModel));
+        car.setBrandName(tkCarModel.getModelName());
 
-        String carType = carType(passengerSeat, car.getCarType(), carOwnerVo.getCarOwnerNature());
+        // ========== 5. 请求组装与调用 ==========
 
-        if (carType != null) {
-            car.setCarType(carType);
-        }
-        car.setCarModel(Arrays.asList(tkCarModel));
-        car.setBrandName(tkCarModel.getModelName());
+        // 将 TKCar 转换为接口所需的 CarInfoVo 类型
         CarModelinfoCheckVehicleTypeParam.CarInfoVo carInfoVo = BeanUtil.copyProperties(car, CarModelinfoCheckVehicleTypeParam.CarInfoVo.class);
-        carModelinfoCheckVehicleTypeParam.setCarInfoVo(carInfoVo);
-
+        param.setCarInfoVo(carInfoVo);
 
+        // 设置请求头并调用接口
         HttpHeaders httpHeaders = new HttpHeaders();
         httpHeaders.add("tkCarRequestToken", session.getToken());
-        StringResponse response = client.request(HttpURL.carModelinfoCheckVehicleType, carModelinfoCheckVehicleTypeParam, httpHeaders, StringResponse.class);
+        StringResponse response = client.request(HttpURL.carModelinfoCheckVehicleType, param, httpHeaders, StringResponse.class);
+
+        // 校验响应并返回结果
         checkResponseUnknownField(response);
         return response.getData();
     }

tenant/insurance/quotation-taikang/src/main/java/com/jzg/quotation/taikang/crawler/service/TKSimpleService.java

@@ -1,10 +1,8 @@
 package com.jzg.quotation.taikang.crawler.service;
 
-import com.jzg.commons.constants.quote.enums.quote.CarKindCode;
-import com.jzg.commons.constants.quote.enums.quote.VehicleUseCode;
 import com.jzg.commons.entity.orders.po.InsOrdersCarUserInfo;
 import com.jzg.commons.entity.quote.vo.*;
-import com.jzg.commons.util.IDCardUtils;
+
 import com.jzg.quotation.commons.filter.CarModelsFilterUtils;
 import com.jzg.quotation.taikang.crawler.CodeUtil;
 import com.jzg.quotation.taikang.crawler.model.TKLoginSession;
@@ -19,7 +17,9 @@ import org.springframework.stereotype.Service;
 
 import java.math.BigDecimal;
 import java.util.*;
+import java.util.function.Consumer;
 import java.util.function.Function;
+import java.util.function.Supplier;
 import java.util.stream.Collectors;
 
 @Slf4j
@@ -29,6 +29,62 @@ public class TKSimpleService {
     @Resource
     private TKHttpAPIService httpService;
 
+    /**
+     * 车船税减免标志映射表：公司系统标志 -> 保司系统标志
+     */
+    private static final Map<String, String> TAX_RELIEF_FLAG_MAP = Map.of(
+            "1", "T",
+            "2", "E",
+            "3", "C",
+            "4", "P"
+    );
+
+    /**
+     * 通用空值检查与初始化方法
+     * <p>
+     * 如果 getter 返回值为 null，则通过 constructor 创建新实例并通过 setter 设置
+     *
+     * @param getter      获取当前值的函数
+     * @param setter      设置新值的函数
+     * @param constructor 创建新实例的函数
+     * @param <T>         对象类型
+     * @return 非空的目标对象
+     */
+    private <T> T ensureNonNull(Supplier<T> getter, Consumer<T> setter, Supplier<T> constructor) {
+        T value = getter.get();
+        if (value == null) {
+            value = constructor.get();
+            setter.accept(value);
+        }
+        return value;
+    }
+
+    /**
+     * 重置驾意险信息为"不投保"状态
+     *
+     * @param driverAccidentVo 驾意险信息对象
+     */
+    private void resetDriverAccidentVo(TKDriverAccidentVo driverAccidentVo) {
+        driverAccidentVo.setIsSelect("0");
+        driverAccidentVo.setQuantity(0);
+        driverAccidentVo.setQuantityCname("不投保");
+        driverAccidentVo.setPremium(BigDecimal.ZERO);
+        driverAccidentVo.setNonCarStartDate(null);
+        driverAccidentVo.setNonCarEndDate(null);
+    }
+
+    /**
+     * 重置非车险产品信息为"不投保"状态
+     *
+     * @param nonCarProductListDTO 非车险产品列表项
+     */
+    private void resetNonCarProduct(PreciseInitResult.NonCarProductListDTO nonCarProductListDTO) {
+        nonCarProductListDTO.setIsSelect("0");
+        nonCarProductListDTO.setPremium("0");
+        nonCarProductListDTO.setStartDate(null);
+        nonCarProductListDTO.setEndDate(null);
+    }
+
     public TKLoginSession login(String username, String password) {
         IdentityTokenResult identityTokenResult = httpService.identityToken();
 
@@ -274,15 +330,8 @@ public class TKSimpleService {
         carInfoVo.setOperateFlag("6");
         carInfoVo.setLicenseNo(commonCarInfoVo.getLicenseNo());
 
-        // 车辆大类
-        String carKindCode = commonCarInfoVo.getCarKindCode();
-        if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
-            carInfoVo.setCarType("A");
-        } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
-            carInfoVo.setCarType("D");
-        } else {
-            throw new RuntimeException("未知车辆大类：" + carKindCode);
-        }
+        // 车辆大类（通过辅助方法解析）
+        carInfoVo.setCarType(TKCommonUtil.resolveCarType(commonCarInfoVo.getCarKindCode()));
 
         setLicenseTypeByLicenseNo(carInfoVo, carInfoVo.getLicenseNo());
         carInfoVo.setLocalCarFlag(null); // todo 车型查询时没有传这个参数，暂时不知什么地方用到。
@@ -325,16 +374,8 @@ public class TKSimpleService {
         carInfoVo.setVinNo(commonCarInfoVo.getVinNo());
         carInfoVo.setVehicleModel(commonCarInfoVo.getBrandName());
 
-        // 车辆大类
-        String carKindCode = commonCarInfoVo.getCarKindCode();
-
-        if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
-            carInfoVo.setCarType("A");
-        } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
-            carInfoVo.setCarType("D");
-        } else {
-            throw new RuntimeException("未知车辆大类：" + carKindCode);
-        }
+        // 车辆大类（通过辅助方法解析）
+        carInfoVo.setCarType(TKCommonUtil.resolveCarType(commonCarInfoVo.getCarKindCode()));
 
         carInfoVo.setLocalCarFlag(null); // todo 车型查询时没有传这个参数，暂时不知什么地方用到。
 
@@ -379,11 +420,7 @@ public class TKSimpleService {
         if (StringUtils.isBlank(commonCarInfoVo.getVinNo())) {
             return null;
         }
-        TKCarOwnerVo carOwnerVo = new TKCarOwnerVo();
-        carOwnerVo.setCarOwnerNature("1"); // todo
-        carOwnerVo.setCertificateType("01");  // 身份证
-        carOwnerVo.setId(ownersInfo.getIdentifyNumber());
-        carOwnerVo.setName(ownersInfo.getName());
+        TKCarOwnerVo carOwnerVo = TKCommonUtil.buildCarOwnerVo(ownersInfo);
 
         TKCarInfoVo carInfoVo = new TKCarInfoVo();
         TKCarModel tkCarModel = CarModelsFilterUtils.to(tkCarModels, commonCarInfoVo);
@@ -414,16 +451,8 @@ public class TKSimpleService {
         carInfoVo.setExhaustScale(tkCarModel.getDisplacement());
         carInfoVo.setBillNo("");
         carInfoVo.setCarCheckVo(new TKCarInfoVo.CarCheckVo("", 1, ""));
-        // 车辆大类
-        String carKindCode = commonCarInfoVo.getCarKindCode();
-
-        if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
-            carInfoVo.setCarType("A");
-        } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
-            carInfoVo.setCarType("D");
-        } else {
-            throw new RuntimeException("未知车辆大类：" + carKindCode);
-        }
+        // 车辆大类（通过辅助方法解析）
+        carInfoVo.setCarType(TKCommonUtil.resolveCarType(commonCarInfoVo.getCarKindCode()));
 
         carInfoVo.setLocalCarFlag(null); // todo 车型查询时没有传这个参数，暂时不知什么地方用到。
         CarModelinfoQueryParam carModelinfoQueryParam = new CarModelinfoQueryParam();
@@ -588,157 +617,148 @@ public class TKSimpleService {
 
     /**
      * 保存车险投保单
+     * <p>
+     * 该方法负责将公司系统的投保单参数转换为泰康保司系统的参数，
+     * 并调用保司接口保存投保单信息。
+     * <p>
+     * 主要处理逻辑：
+     * 1. 参数准备：获取全局固定参数和车型信息
+     * 2. 车主信息构建：从公司系统参数提取车主信息
+     * 3. 投保人信息构建：初始化投保人、被保险人、联系人信息
+     * 4. 车辆信息构建：设置车辆基本信息、类型、过户状态、使用性质等
+     * 5. 车船税信息构建：设置车船税代缴标志
+     * 6. 其他信息构建：设置查询标志、OCR标志等
+     * 7. 请求组装：组装完整的保存参数并调用保司接口
      *
-     * @param session
-     * @param mainOrderId
-     * @param commonQuoteVo
-     * @param tkAreaInfoVo
-     * @param carModelinfoQueryResult
+     * @param session                 登录会话信息
+     * @param mainOrderId             主订单ID
+     * @param commonQuoteVo           公司系统报价参数
+     * @param tkAreaInfoVo            区域信息（含代理人信息）
+     * @param carModelinfoQueryResult 车型查询结果
      */
     public void orderCreate(TKLoginSession session,
                             String mainOrderId,
                             QuoteVo commonQuoteVo,
                             TKAreaInfoVo tkAreaInfoVo,
                             CarModelinfoQueryResult carModelinfoQueryResult) {
+        // 从报价参数中提取车辆信息
         CarInfoVo commonCarInfoVo = commonQuoteVo.getCarInfoVo();
-        // 全局固定参数
+
+        // ========== 1. 参数准备 ==========
+
+        // 全局固定参数：从登录会话中获取
         String tplatformId = session.getTplatformId();
         String tplatLoginKey = session.getTplatLoginKey();
         String fromId = session.getFromid();
 
-        // 找到车型，后面要使用
-        TKCarModel tkCarModel = CarModelsFilterUtils.to(carModelinfoQueryResult.getCarModel(), commonQuoteVo.getCarInfoVo());
+        // 获取车型信息并设置必要字段
+        TKCarModel tkCarModel = CarModelsFilterUtils.to(
+                carModelinfoQueryResult.getCarModel(),
+                commonQuoteVo.getCarInfoVo()
+        );
         tkCarModel.setVehicleStyleUniqueId("");
         tkCarModel.setLicenseNo(commonCarInfoVo.getLicenseNo());
-        CarModelinfoQueryResult.CarInfoDto carInfoDto = carModelinfoQueryResult.getCarInfoDto();
 
-        // 车辆所有人信息
-        TKCarOwnerVo carOwnerVo = new TKCarOwnerVo();
-        CustomerInfoVo commonCustomersInfo = commonQuoteVo.getOwnersInfo();
-        if (commonCustomersInfo != null) {
-            carOwnerVo.setCarOwnerNature("1"); // todo
-            carOwnerVo.setCertificateType("01");  // 身份证
-            carOwnerVo.setId(commonCustomersInfo.getIdentifyNumber());
-            carOwnerVo.setName(commonCustomersInfo.getName());
-            carOwnerVo.setBirthDate(commonCustomersInfo.getBirthday());
-            carOwnerVo.setSerialno(BigDecimal.ZERO);
-            carOwnerVo.setSex(IDCardUtils.getSex(commonCustomersInfo.getIdentifyNumber()));
-            carOwnerVo.setInsuredAddress("");
-        }
+        // ========== 2. 车主信息构建 ==========
+
+        TKCarOwnerVo carOwnerVo = TKCommonUtil.buildCarOwnerVo(commonQuoteVo.getOwnersInfo());
+
+        // ========== 3. 投保人信息构建 ==========
 
-        // 投保人信息
         SaveBasicInfoParam.InsureInfo insureInfo = new SaveBasicInfoParam.InsureInfo();
         insureInfo.setAppliInfo(new SaveBasicInfoParam.AppliInfo());
         insureInfo.setInsuredInfo(new SaveBasicInfoParam.InsuredInfo());
         insureInfo.setContacts(new SaveBasicInfoParam.Contacts());
 
-        // 车辆信息
+        // ========== 4. 车辆信息构建 ==========
+
         TKCar car = new TKCar();
-        car.setFuelType(tkCarModel.getFuelType());
-        car.setModelName(tkCarModel.getModelName());
-        car.setBillDate(""); // 页面上没有输入框，可能是北京地区才用到
-        car.setCarBookingTime(""); // 页面上没有输入框，原注释为“上海地区开具发票日期”，但感觉是车辆时间。
-        car.setBillNo(""); // 页面上没有输入框，发票号
-        car.setColorCode("010"); // 默认黑色
+
+        // 设置车辆基本信息
+        TKCommonUtil.buildCarBasicInfo(car, tkCarModel);
+        car.setColorCode("010");
         car.setCuringQuality(tkCarModel.getVehicleWeight());
         car.setVehicleType(tkCarModel.getVehicleType());
         car.setVehicleTypeCname(tkCarModel.getVehicleTypeCname());
 
-        // 车辆大类
-        String carKindCode = commonCarInfoVo.getCarKindCode();
-        if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A0.getCode())) {
-            car.setCarType("A");
-        } else if (carKindCode.equals(CarKindCode.CAR_KIND_CODE_A1.getCode())) {
-            car.setCarType("D");
-        } else {
-            throw new RuntimeException("未知车辆大类：" + carKindCode);
-        }
+        // 设置车辆大类（通过辅助方法解析）
+        car.setCarType(TKCommonUtil.resolveCarType(commonCarInfoVo.getCarKindCode()));
 
+        // 使用 autoSetter 设置可选字段（优先使用公司系统值，其次使用车型查询值）
         CodeUtil.autoSetter(car::setLicenseNo, commonCarInfoVo::getLicenseNo, tkCarModel::getLicenseNo);
         CodeUtil.autoSetter(car::setTransferDate, commonCarInfoVo::getTransferDate, null);
         CodeUtil.autoSetter(car::setPurchasePrice, commonCarInfoVo::getPurchasePrice, tkCarModel::getReplacementValue);
         CodeUtil.autoSetter(car::setSelectedSeat, commonCarInfoVo::getSeatCount, () -> tkCarModel.getVehicleJingyou().getSeat());
-        CodeUtil.autoSetter(car::setExhaustScale, commonCarInfoVo::getDisplacement, tkCarModel::getDisplacement);  // 排量
-        CodeUtil.autoSetter(car::setBrandName, commonCarInfoVo::getBrandName, tkCarModel::getModelName); // todo 与 tkCarModel.getModelName() 重复
+        CodeUtil.autoSetter(car::setExhaustScale, commonCarInfoVo::getDisplacement, tkCarModel::getDisplacement);
+        CodeUtil.autoSetter(car::setBrandName, commonCarInfoVo::getBrandName, tkCarModel::getModelName);
 
-        car.setSeatFlag(1); // todo
-        car.setExhaustScale(tkCarModel.getDisplacement().substring(0, tkCarModel.getDisplacement().indexOf(".")));
-        car.setPurchasePrice(tkCarModel.getPurchasePrice().substring(0, tkCarModel.getPurchasePrice().indexOf(".")));
+        // 设置固定字段和从车型提取的字段（去掉小数部分）
+        car.setSeatFlag(1);
+        car.setExhaustScale(TKCommonUtil.substringBeforeDot(tkCarModel.getDisplacement()));
+        car.setPurchasePrice(TKCommonUtil.substringBeforeDot(tkCarModel.getPurchasePrice()));
         car.setVinNo(commonCarInfoVo.getVinNo());
         car.setEngineNo(commonCarInfoVo.getEngineNo());
         car.setEnrollDate(commonCarInfoVo.getRegisterDate());
 
-        Double tonCount = commonCarInfoVo.getTonCountDouble();
-        if (tonCount != null && tonCount > 2) {
-            // 好像主要是货车使用此字段
-            car.setTonnageFlag("1");
-        } else {
-            car.setTonnageFlag("0");
-        }
+        // 设置吨位标志（两吨以上货车标记为1）
+        car.setTonnageFlag(Optional.ofNullable(commonCarInfoVo.getTonCountDouble())
+                .filter(ton -> ton > 2)
+                .map(ton -> "1")
+                .orElse("0"));
 
+        // 设置过户标志和过户时间
         if (commonCarInfoVo.isTransfer()) {
-            car.setChgOwnerFlag("1"); // 是过户
-            car.setTransferDate(commonCarInfoVo.getTransferDate()); // 过户时间
+            car.setChgOwnerFlag("1");
+            car.setTransferDate(commonCarInfoVo.getTransferDate());
         } else {
-            car.setChgOwnerFlag("0"); // 不是过户
+            car.setChgOwnerFlag("0");
             car.setTransferDate("");
         }
 
+        // 设置车辆使用性质（通过映射表转换，默认8B非营业企业）
         String vehicleUseCode = commonCarInfoVo.getVehicleUseCode();
+        car.setUseNatureCodeCode(TKCommonUtil.VEHICLE_USE_CODE_MAP.getOrDefault(vehicleUseCode, "8B"));
 
-        if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_05.getCode())) {
-            // 05 家庭自用 = 8A 家庭自用
-            car.setUseNatureCodeCode("8A"); // 页面上选择的家庭自用、非营业企业、、、、
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_06.getCode())) {
-            // 06 非营业企业 = 8C 非营业党政机关事业团体
-            car.setUseNatureCodeCode("8C");
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_07.getCode())) {
-            // 07 非营业企业 = 8B 非营业企业
-            car.setUseNatureCodeCode("8B");
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_01.getCode())) {
-            // 01 营业出租租赁 = 9 营业
-            car.setUseNatureCodeCode("9");
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_02.getCode())) {
-            // 02 营业城市公交 = 9 营业
-            car.setUseNatureCodeCode("9");
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_03.getCode())) {
-            // 03 营业公路客运 = 9 营业
-            car.setUseNatureCodeCode("9");
-        } else if (vehicleUseCode.equals(VehicleUseCode.VEHICLE_USE_CODE_04.getCode())) {
-            // 04 营业货运 = 9 营业
-            car.setUseNatureCodeCode("9");
-        } else {
-            // 默认 8B 非营业企业
-            car.setUseNatureCodeCode("8B");
-        }
-
+        // 设置车牌类型并根据渠道调整车辆类型
         TKSimpleService.setLicenseTypeByLicenseNo(car, car.getLicenseNo());
-        String passengerSeat = httpService.carTypePassengerSeat(session.getToken(), session.getTplatformId(), session.getFromid(), session.getComCode());
-        String carType = carType(passengerSeat, car.getCarType(), carOwnerVo.getCarOwnerNature());
-        if (carType != null) {
-            car.setCarType(carType);
-        }
-
+        String passengerSeat = httpService.carTypePassengerSeat(
+                session.getToken(),
+                session.getTplatformId(),
+                session.getFromid(),
+                session.getComCode()
+        );
+        Optional.ofNullable(carType(passengerSeat, car.getCarType(), carOwnerVo.getCarOwnerNature()))
+                .ifPresent(car::setCarType);
+
+        // 预留扩展方法调用（当前传入null，内部直接返回，作为未来扩展占位）
         orderCreateOther(null);
-        car.setCarModel(Arrays.asList(tkCarModel));
-        car.setBrandName(tkCarModel.getModelName()); // todo 与 commonCarInfoVo.getBrandName() 重复
 
-        // 车船税信息
+        // 设置车型列表和品牌名称
+        car.setCarModel(List.of(tkCarModel));
+        car.setBrandName(tkCarModel.getModelName());
+
+        // ========== 5. 车船税信息构建 ==========
+
         TKCarTax carTax = new TKCarTax();
-        carTax.setIsPayTax("1"); // 是否代缴车船税
+        carTax.setIsPayTax("1");
+
+        // ========== 6. 其他信息构建 ==========
 
-        // 其他信息
         SaveBasicInfoParam.OtherInfo otherInfo = new SaveBasicInfoParam.OtherInfo();
         otherInfo.setIsQueryVehicleFlag(false);
-        // 经测试：单交设置：1, 交强+商业设置："0"
-        otherInfo.setShowEngineNoFlag(commonQuoteVo.getBiRiskInfoVo() == null ? "1" : "0");
         otherInfo.setJyQueryFlag(false);
         otherInfo.setOcrFlag(1);
-        otherInfo.setNewCarFlag("0"); // todo
+        otherInfo.setNewCarFlag("0");
+        otherInfo.setRetrospectId(UUID.randomUUID().toString());
+
+        // 根据是否包含商业险设置特殊标志
+        boolean hasBiRisk = commonQuoteVo.getBiRiskInfoVo() != null;
+        // 经测试：单交设置：1, 交强+商业设置："0"
+        otherInfo.setShowEngineNoFlag(hasBiRisk ? "0" : "1");
         // 经测试：单交设置：1, 交强+商业设置：""
-        otherInfo.setKindLimitCode(commonQuoteVo.getBiRiskInfoVo() == null ? "1" : "");
-        otherInfo.setRetrospectId(UUID.randomUUID().toString()); // 可回溯ID ，好像不是很需要
+        otherInfo.setKindLimitCode(hasBiRisk ? "" : "1");
 
+        // ========== 7. 请求组装与调用 ==========
 
         SaveBasicInfoParam param = new SaveBasicInfoParam();
         param.setChannelCode("OffWeb");
@@ -746,8 +766,8 @@ public class TKSimpleService {
         param.setFromId(fromId);
         param.setTplatformId(tplatformId);
         param.setTplatLoginKey(tplatLoginKey);
-        param.setPreFilledLastPolicyFlag(""); // 抓包查到没有值
-        param.setIsJgFlag("");  // 抓包查到没有值
+        param.setPreFilledLastPolicyFlag("");
+        param.setIsJgFlag("");
         param.setAuthFailContinueFlag("");
         param.setInsureInfo(insureInfo);
         param.setAreaInfoVo(tkAreaInfoVo);
@@ -756,6 +776,8 @@ public class TKSimpleService {
         param.setCarTaxVo(carTax);
         param.setOtherInfo(otherInfo);
         param.setOrderVersion("1");
+
+        // 调用保司保存接口
         SaveBasicInfoResult saveBasicInfoResult = httpService.saveBasicInfo(session.getToken(), param);
         if (saveBasicInfoResult == null) {
             throw new RuntimeException("HttpService#saveBasicInfo 失败！");
@@ -892,215 +914,237 @@ public class TKSimpleService {
 
     /**
      * 车险投保单报价
+     * <p>
+     * 该方法负责将公司系统的报价参数转换为泰康保司系统的报价参数，
+     * 并调用保司接口进行报价，返回报价结果。
+     * <p>
+     * 主要处理逻辑：
+     * 1. 参数初始化：确保各子对象非空，设置全局固定参数
+     * 2. 险种标志设置：处理交强险、商业险标志
+     * 3. 时间信息同步：同步交强险和商业险的起止日期
+     * 4. 车船税信息同步：映射车船税减免标志
+     * 5. 商业险险种覆盖：根据公司系统选择的险种覆盖保司默认险种
+     * 6. 驾意险同步：匹配公司系统选择的驾意险产品
+     * 7. 非车险产品同步：匹配泰乐途等非车险产品
+     * 8. 调用报价接口：提交参数获取报价结果
      *
-     * @param session
-     * @param mainOrderId
-     * @param preciseInitResult
-     * @param commonQuoteVo
+     * @param session           登录会话信息
+     * @param mainOrderId       主订单ID
+     * @param preciseInitResult 初始化结果
+     * @param commonQuoteVo     公司系统报价参数
+     * @return 报价结果
      */
     public PreciseInitResult orderQuote(TKLoginSession session, String mainOrderId, PreciseInitResult preciseInitResult, QuoteVo commonQuoteVo) {
+        // 将初始化结果转换为报价参数对象
         PreciseInitParam preciseInitParam = Converter.Instance.convertToParam(preciseInitResult);
 
-        // 全局固定参数
+        // 全局固定参数：从登录会话中获取
         String tplatformId = session.getTplatformId();
         String tplatLoginKey = session.getTplatLoginKey();
         String fromId = session.getFromid();
 
-        // 险种选中标志
-        TKFlag flag = preciseInitParam.getFlag();
-        if (flag == null) {
-            flag = new TKFlag();
-            preciseInitParam.setFlag(flag);
-        }
+        // ========== 1. 参数初始化与险种标志设置 ==========
+
+        // 确保险种选中标志对象非空，设置默认标志值
+        TKFlag flag = ensureNonNull(
+                preciseInitParam::getFlag,
+                preciseInitParam::setFlag,
+                TKFlag::new
+        );
         flag.setVipWeekFlag("0");
         flag.setQuoteLinkageFlag("0");
         flag.setInstantInsureBZAllowed("0");
         flag.setPriceDifferFlag("0");
 
-        // 无商业险
+        // 无商业险时设置商业险标志为"0"
         if (CollectionUtils.isEmpty(commonQuoteVo.getKindInfoVo())) {
             flag.setCiFlag("0");
         }
 
-        // 其他参数
-        TKOther other = preciseInitParam.getOther();
-        if (other == null) {
-            other = new TKOther();
-            preciseInitParam.setOther(other);
-        }
+        // 确保其他参数对象非空，设置渠道信息
+        TKOther other = ensureNonNull(
+                preciseInitParam::getOther,
+                preciseInitParam::setOther,
+                TKOther::new
+        );
         other.setFromID(fromId);
         other.setChannelCode("OffWeb");
 
-        // 时间参数
+        // 获取时间参数对象（保司系统已初始化，无需创建）
         TKDateInfo date = preciseInitParam.getDate();
 
-        // 同步交强险
-        TKBzKindVo bzKindVo = preciseInitParam.getBzKindVo();
-        if (bzKindVo == null) {
-            bzKindVo = new TKBzKindVo();
-            preciseInitParam.setBzKindVo(bzKindVo);
-        }
-        bzKindVo.setIsSelect("1"); // 选择交纳交强险
+        // ========== 2. 交强险信息同步 ==========
+
+        // 确保交强险对象非空，设置为"选择交纳"状态
+        TKBzKindVo bzKindVo = ensureNonNull(
+                preciseInitParam::getBzKindVo,
+                preciseInitParam::setBzKindVo,
+                TKBzKindVo::new
+        );
+        bzKindVo.setIsSelect("1");
 
-        // 同步交强险时间信息，从前端参数获取
+        // 从前端参数获取交强险时间信息
         RiskInfoVo commonCiRiskInfoVo = commonQuoteVo.getCiRiskInfoVo();
         if (commonCiRiskInfoVo != null) {
-            // 交强险的时间
             date.setStartDateBZ(commonCiRiskInfoVo.getStartDate());
             date.setEndDateBZ(commonCiRiskInfoVo.getEndDate());
         }
 
-        // 同步车船税
-        TKCarTaxInfo carTaxInfo = preciseInitParam.getCarTaxInfo();
-        if (carTaxInfo == null) {
-            carTaxInfo = new TKCarTaxInfo();
-            preciseInitParam.setCarTaxInfo(carTaxInfo);
-        }
-        // 同步车船税信息，从前端参数获取
-        VehicleAndVesselTaxVo vehicleAndVesselTax = commonQuoteVo.getVehicleAndVesselTaxVo();
-        if (vehicleAndVesselTax != null) {
-            // 车船税标志
-            String taxRelifFlag = vehicleAndVesselTax.getTaxRelifFlag();
-            // 转换为保司的参数
-            if (taxRelifFlag.equals("1")) {
-                carTaxInfo.setTaxFlag("T");
-            } else if (taxRelifFlag.equals("2")) {
-                carTaxInfo.setTaxFlag("E");
-            } else if (taxRelifFlag.equals("3")) {
-                carTaxInfo.setTaxFlag("C");
-            } else if (taxRelifFlag.equals("4")) {
-                carTaxInfo.setTaxFlag("P");
-            }
-        }
-
-        // 同步商业险时间信息，从前端参数获取
-        RiskInfoVo commonBiRiskInfoVo = commonQuoteVo.getBiRiskInfoVo();
-        if (commonBiRiskInfoVo != null) {
-            date.setStartDateCI(commonBiRiskInfoVo.getStartDate());
-            date.setEndDateCI(commonBiRiskInfoVo.getEndDate());
+        // ========== 3. 车船税信息同步 ==========
+
+        // 确保车船税对象非空
+        TKCarTaxInfo carTaxInfo = ensureNonNull(
+                preciseInitParam::getCarTaxInfo,
+                preciseInitParam::setCarTaxInfo,
+                TKCarTaxInfo::new
+        );
+
+        // 从前端参数获取车船税信息，通过映射表转换减免标志
+        Optional.ofNullable(commonQuoteVo.getVehicleAndVesselTaxVo())
+                .map(VehicleAndVesselTaxVo::getTaxRelifFlag)
+                .map(TAX_RELIEF_FLAG_MAP::get)
+                .ifPresent(carTaxInfo::setTaxFlag);
+
+        // ========== 4. 商业险时间信息同步 ==========
+
+        // 从前端参数获取商业险时间信息，若无则保持保司默认值（无需额外处理）
+        Optional.ofNullable(commonQuoteVo.getBiRiskInfoVo())
+                .ifPresent(biRiskInfo -> {
+                    date.setStartDateCI(biRiskInfo.getStartDate());
+                    date.setEndDateCI(biRiskInfo.getEndDate());
+                });
+
+        // ========== 5. 商业险险种覆盖 ==========
+
+        // 使用 Stream 将保司默认商险信息转换为 Map，同时重置为"不投保"状态
+        Map<String, TKCiKindsVo> tkCiKindsVoMap = Optional.ofNullable(preciseInitParam.getCiKindsVo())
+                .orElseGet(Collections::emptyList)
+                .stream()
+                .peek(tkCiKindVo -> {
+                    tkCiKindVo.setBjSelect("0");
+                    tkCiKindVo.setDeductibleAmount(BigDecimal.ZERO);
+                    tkCiKindVo.setIsSelect("0");
+                    tkCiKindVo.setQuantity(0);
+                    tkCiKindVo.setQuoteAmountCN("不投保");
+                })
+                .collect(Collectors.toMap(TKCiKindsVo::getKindCode, Function.identity()));
+
+        // 根据公司系统选择的险种覆盖保司默认险种
+        Optional.ofNullable(commonQuoteVo.getKindInfoVo())
+                .orElseGet(Collections::emptyList)
+                .stream()
+                .filter(kindInfo -> tkCiKindsVoMap.containsKey(kindInfo.getKindCode()))
+                .forEach(commonBiKindInfoVo -> {
+                    TKCiKindsVo tkCiKindVo = tkCiKindsVoMap.get(commonBiKindInfoVo.getKindCode());
+                    tkCiKindVo.setIsSelect("1");
+                    tkCiKindVo.setQuoteAmount(commonBiKindInfoVo.getAmount());
+                    tkCiKindVo.setQuoteAmountCN(commonBiKindInfoVo.getAmount());
+
+                    // 设置数量：优先使用 quantity，其次使用 serviceTimes
+                    String quantity = commonBiKindInfoVo.getQuantity();
+                    String serviceTimes = commonBiKindInfoVo.getServiceTimes();
+                    if (StringUtils.isNotBlank(quantity)) {
+                        tkCiKindVo.setQuantity(Integer.parseInt(quantity));
+                    } else if (StringUtils.isNotBlank(serviceTimes)) {
+                        tkCiKindVo.setQuantity(Integer.parseInt(serviceTimes));
+                    }
+                });
+
+        // ========== 6. 驾意险信息同步 ==========
+
+        // 将驾意险方案列表转换为 Map（按方案代码索引）
+        Map<String, TKCarPlanInfo> carPlanInfoMap = Optional.ofNullable(preciseInitParam.getDriverAccidentVo())
+                .map(TKDriverAccidentVo::getCarPlanInfoList)
+                .orElseGet(Collections::emptyList)
+                .stream()
+                .collect(Collectors.toMap(TKCarPlanInfo::getPlanCode, Function.identity()));
+
+        // 获取保司驾意险对象和公司系统驾意险参数
+        TKDriverAccidentVo driverAccidentVo = preciseInitParam.getDriverAccidentVo();
+        List<AccidentalDrivingVo> accidentalDrivings = commonQuoteVo.getAccidentalDrivings();
+
+        // 根据公司系统驾意险参数进行匹配覆盖
+        // 注意：当 carPlanInfoMap 为空时，跳过处理，保持 driverAccidentVo 原有状态
+        if (CollectionUtils.isNotEmpty(accidentalDrivings) && !carPlanInfoMap.isEmpty()) {
+            accidentalDrivings.stream()
+                    .filter(accidentalDriving -> accidentalDriving.getProductCode() != null)
+                    .forEach(accidentalDriving -> {
+                        TKCarPlanInfo tkCarPlanInfo = carPlanInfoMap.get(accidentalDriving.getProductCode());
+                        if (tkCarPlanInfo != null) {
+                            // 匹配成功：设置为"投保"状态
+                            driverAccidentVo.setIsSelect("1");
+                            driverAccidentVo.setQuantity(accidentalDriving.getQuantity());
+                            driverAccidentVo.setSelectPlanCode(tkCarPlanInfo.getPlanCode());
+                            driverAccidentVo.setQuoteAmountCN(tkCarPlanInfo.getPlanName());
+                            driverAccidentVo.setPremium(new BigDecimal(tkCarPlanInfo.getSumPremium()));
+                        } else {
+                            // 匹配失败：重置为"不投保"状态
+                            resetDriverAccidentVo(driverAccidentVo);
+                        }
+                    });
         } else {
-            date.setStartDateCI(date.getStartDateCI());
-            date.setEndDateCI(date.getEndDateCI());
-        }
-
-        // 获取保司默认选中的商险信息
-        Map<String, TKCiKindsVo> tkCiKindsVoMap = new HashMap<>();
-        for (TKCiKindsVo tkCiKindVo : preciseInitParam.getCiKindsVo()) {
-            tkCiKindVo.setBjSelect("0");
-            tkCiKindVo.setDeductibleAmount(BigDecimal.ZERO);
-            tkCiKindVo.setIsSelect("0");
-            tkCiKindVo.setQuantity(0);
-            tkCiKindVo.setQuoteAmountCN("不投保");
-            tkCiKindsVoMap.put(tkCiKindVo.getKindCode(), tkCiKindVo);
+            // 公司系统未选择驾意险或驾意险方案列表为空：重置为"不投保"状态
+            resetDriverAccidentVo(driverAccidentVo);
         }
 
-        // 根据公司系统选择的险种进行覆盖
-        List<KindInfoVo> commonBiKindInfoVos = commonQuoteVo.getKindInfoVo();
-        if (CollectionUtils.isNotEmpty(commonBiKindInfoVos)) {
-            for (KindInfoVo commonBiKindInfoVo : commonBiKindInfoVos) {
-                if (tkCiKindsVoMap.isEmpty() || tkCiKindsVoMap.get(commonBiKindInfoVo.getKindCode()) == null) {
-                    continue;
-                }
-                TKCiKindsVo tkCiKindVo = tkCiKindsVoMap.get(commonBiKindInfoVo.getKindCode());
-                tkCiKindVo.setIsSelect("1");
-                tkCiKindVo.setQuoteAmount(commonBiKindInfoVo.getAmount());
-                tkCiKindVo.setQuoteAmountCN(commonBiKindInfoVo.getAmount());
-
-                String quantity = commonBiKindInfoVo.getQuantity();
-                String serviceTimes = commonBiKindInfoVo.getServiceTimes();
-                if (StringUtils.isNotBlank(quantity)) {
-                    tkCiKindVo.setQuantity(Integer.parseInt(quantity));
-                } else if (StringUtils.isNotBlank(serviceTimes)) {
-                    tkCiKindVo.setQuantity(Integer.parseInt(serviceTimes));
-                }
-            }
-        }
+        // ========== 7. 非车险产品同步（泰乐途等） ==========
 
-        // 同步驾意险, 系统有选择驾意险进行匹配覆盖（泰康要求必须有驾意险）
-        Map<String, TKCarPlanInfo> carPlanInfoMap = Optional.ofNullable(preciseInitParam.getDriverAccidentVo().getCarPlanInfoList()).orElseGet(Collections::emptyList).stream().collect(Collectors.toMap(TKCarPlanInfo::getPlanCode, Function.identity()));
-        TKDriverAccidentVo driverAccidentVo = preciseInitParam.getDriverAccidentVo();// 泰康系统默认的驾意险信息
-        List<AccidentalDrivingVo> accidentalDrivings = commonQuoteVo.getAccidentalDrivings(); // 公司系统的驾意险参数
-        // 公司系统的驾意险参数为空证明没有选择驾意险
-        if (CollectionUtils.isNotEmpty(accidentalDrivings)) {
-            for (AccidentalDrivingVo accidentalDriving : accidentalDrivings) {
-                if (carPlanInfoMap.isEmpty() || accidentalDriving.getProductCode() == null) {
-                    continue;
-                }
-                TKCarPlanInfo tkCarPlanInfo = carPlanInfoMap.get(accidentalDriving.getProductCode());
-                if (tkCarPlanInfo != null) {
-                    driverAccidentVo.setIsSelect("1");
-                    driverAccidentVo.setQuantity(accidentalDriving.getQuantity());
-                    driverAccidentVo.setSelectPlanCode(tkCarPlanInfo.getPlanCode());
-                    driverAccidentVo.setQuoteAmountCN(tkCarPlanInfo.getPlanName());
-                    driverAccidentVo.setPremium(new BigDecimal(tkCarPlanInfo.getSumPremium()));
-                } else {
-                    driverAccidentVo.setIsSelect("0");
-                    driverAccidentVo.setQuantity(0);
-                    driverAccidentVo.setQuantityCname("不投保");
-                    driverAccidentVo.setPremium(BigDecimal.ZERO);
-                    driverAccidentVo.setNonCarStartDate(null);
-                    driverAccidentVo.setNonCarEndDate(null);
-                }
-            }
-        } else {
-            driverAccidentVo.setIsSelect("0");
-            driverAccidentVo.setQuantity(0);
-            driverAccidentVo.setQuantityCname("不投保");
-            driverAccidentVo.setPremium(BigDecimal.ZERO);
-            driverAccidentVo.setNonCarStartDate(null);
-            driverAccidentVo.setNonCarEndDate(null);
-        }
+        // 使用 flatMap 将嵌套的产品列表展平并转换为 Map（按产品代码索引）
+        Map<String, PreciseInitResult.ProductInfoListDTO> productInfoListMap = Optional.ofNullable(preciseInitParam.getNonCarProductList())
+                .orElseGet(Collections::emptyList)
+                .stream()
+                .flatMap(nonCarProduct -> nonCarProduct.getProductInfoList().stream())
+                .collect(Collectors.toMap(
+                        PreciseInitResult.ProductInfoListDTO::getProductCode,
+                        Function.identity()
+                ));
 
-        // 泰康系统默认的泰乐途
-        Map<String, PreciseInitResult.ProductInfoListDTO> productInfoListMap = new HashMap<>();
+        // 获取非车险产品列表
         List<PreciseInitResult.NonCarProductListDTO> nonCarProductList = preciseInitParam.getNonCarProductList();
-        if (CollectionUtils.isNotEmpty(nonCarProductList)) {
-            for (PreciseInitResult.NonCarProductListDTO nonCarProductListDTO : nonCarProductList) {
-                for (PreciseInitResult.ProductInfoListDTO productInfoListDTO : nonCarProductListDTO.getProductInfoList()) {
-                    productInfoListMap.put(productInfoListDTO.getProductCode(), productInfoListDTO);
-                }
-            }
-        }
-        // 泰乐途
-        if (CollectionUtils.isNotEmpty(accidentalDrivings)) {
-            for (AccidentalDrivingVo accidentalDriving : accidentalDrivings) {
-                if (productInfoListMap.isEmpty() || accidentalDriving.getProductCode() == null) {
-                    continue;
-                }
-                PreciseInitResult.ProductInfoListDTO productInfoListDTO = productInfoListMap.get(accidentalDriving.getProductCode());
-                PreciseInitResult.NonCarProductListDTO nonCarProductListDTO = nonCarProductList.get(0);
-                if (productInfoListDTO != null) {
-                    nonCarProductListDTO.setIsSelect("1");
-                    nonCarProductListDTO.setPremium(productInfoListDTO.getPremium());
-                    nonCarProductListDTO.setSelectProductCode(accidentalDriving.getProductCode());
-                    nonCarProductListDTO.setSelectProductName(productInfoListDTO.getProductName());
-                    nonCarProductListDTO.setStartDate(commonCiRiskInfoVo != null ? commonCiRiskInfoVo.getStartDate() : null);
-                    nonCarProductListDTO.setEndDate(commonCiRiskInfoVo != null ? commonCiRiskInfoVo.getEndDate() : null);
-                } else {
-                    nonCarProductListDTO.setIsSelect("0");
-                    nonCarProductListDTO.setPremium("0");
-                    nonCarProductListDTO.setStartDate(null);
-                    nonCarProductListDTO.setEndDate(null);
-                }
-            }
+
+        // 根据公司系统驾意险参数匹配非车险产品
+        // 注意：当 productInfoListMap 为空或 nonCarProductList 为空时，跳过处理
+        if (CollectionUtils.isNotEmpty(accidentalDrivings) && !productInfoListMap.isEmpty() && CollectionUtils.isNotEmpty(nonCarProductList)) {
+            accidentalDrivings.stream()
+                    .filter(accidentalDriving -> accidentalDriving.getProductCode() != null)
+                    .forEach(accidentalDriving -> {
+                        PreciseInitResult.ProductInfoListDTO productInfoListDTO = productInfoListMap.get(accidentalDriving.getProductCode());
+                        PreciseInitResult.NonCarProductListDTO nonCarProductListDTO = nonCarProductList.get(0);
+
+                        if (productInfoListDTO != null) {
+                            // 匹配成功：设置为"投保"状态
+                            nonCarProductListDTO.setIsSelect("1");
+                            nonCarProductListDTO.setPremium(productInfoListDTO.getPremium());
+                            nonCarProductListDTO.setSelectProductCode(accidentalDriving.getProductCode());
+                            nonCarProductListDTO.setSelectProductName(productInfoListDTO.getProductName());
+                            nonCarProductListDTO.setStartDate(commonCiRiskInfoVo != null ? commonCiRiskInfoVo.getStartDate() : null);
+                            nonCarProductListDTO.setEndDate(commonCiRiskInfoVo != null ? commonCiRiskInfoVo.getEndDate() : null);
+                        } else {
+                            // 匹配失败：重置为"不投保"状态
+                            resetNonCarProduct(nonCarProductListDTO);
+                        }
+                    });
         } else {
-            nonCarProductList.forEach(nonCarProductListDTO -> {
-                nonCarProductListDTO.setIsSelect("0");
-                nonCarProductListDTO.setPremium("0");
-                nonCarProductListDTO.setStartDate(null);
-                nonCarProductListDTO.setEndDate(null);
-            });
+            // 公司系统未选择驾意险或产品列表为空：所有非车险产品重置为"不投保"状态
+            Optional.ofNullable(nonCarProductList)
+                    .orElseGet(Collections::emptyList)
+                    .forEach(this::resetNonCarProduct);
         }
 
-        // 请求接口
+        // ========== 8. 调用报价接口 ==========
+
+        // 设置请求参数
         preciseInitParam.setChannelCode("OffWeb");
         preciseInitParam.setInitFlag("quote");
         preciseInitParam.setTplatformId(tplatformId);
         preciseInitParam.setTplatLoginKey(tplatLoginKey);
         preciseInitParam.setOrderID(mainOrderId);
         preciseInitParam.setRiskType("0808");
+
+        // 调用保司报价接口
         PreciseInitResult preciseQuoteResult = httpService.preciseInitToQuote(session.getToken(), preciseInitParam);
 
+        // 校验报价结果
         if (preciseQuoteResult == null) {
             throw new RuntimeException("HttpService#preciseInitToQuote （报价）失败！");
         }