Case 21: Household & purchase qualification

This case corresponds to USE-CASES scenario 21, “Household / home purchase / car purchase qualification under multiple policies (requirement 16)”. It belongs to the government and enterprise services domain, targeting a unified citizen qualification application portal for human resources, public security, housing, and other departments. It automatically performs five-dimension points tiering for household registration, contribution-year threshold checks for home purchase and the new-energy passenger car quota, and applies a one-vote veto to subjects with serious dishonesty records.

Industry scenario

Citizens apply for three types of public service qualifications through a unified government service portal: household registration (SETTLE), home purchase (HOUSE_PURCHASE), and the new-energy passenger car quota (CAR_PURCHASE). All three share the same set of application elements, sourced from human resources, tax, public security, housing, and other departments: age, education (doctor / master / bachelor / college / other), consecutive months of local social security contributions, consecutive months of local individual income tax payments, whether the applicant already owns a home in the city, whether the applicant already has a local passenger car registered, and whether there is a record of serious dishonesty. Household registration additionally requires a declaration channel (employment EMPLOYEE / investment INVESTMENT / talent introduction TALENT), years since founding the enterprise and last year’s tax payments, and a talent title (high-level talent TOP_TALENT / urgently needed talent ELITE / none).

Household registration uses a points system, scored across five dimensions: education, social security, age, talent title, and investment tax payments, with maximum scores of 40 / 40 / 15 / 30 / 20 respectively; the investment tax score is only counted for the investment channel. The points conclusion has three tiers: 80 points or above approves the registration (APPROVE), 60-79 points goes to manual review with public notice (REVIEW), and anything else is rejected (REJECT). The three household registration channels also have prerequisite conditions: the employment channel requires at least 6 months of social security, the investment channel requires the enterprise to have been founded for at least 1 year with annual tax payments of no less than 100,000 yuan, and the talent introduction channel requires a high-level or urgently needed talent certification.

Home purchase and car purchase do not use points; they set thresholds on consecutive months of social security or income tax contributions, and meeting either one is sufficient: under the standard policy, a non-local-hukou family buying a home needs at least 36 months, relaxed to 3 months for high-level or urgently needed talent; the new-energy passenger car quota requires at least 24 months under the standard policy, relaxed to 6 months for talent, and the applicant must not already have a local passenger car registered; those who do not meet the direct application conditions must join the regular quota lottery. Home purchase is additionally subject to purchase restrictions: non-local-hukou families that already own a home are rejected outright.

Decision results are unified into four conclusions: ALLOW (qualification granted) / APPROVE (household registration approved) / REVIEW (manual review with public notice) / REJECT (not approved), carrying per-dimension scores and threshold check details (details) plus policy explanations (reasons), directly supporting the generation of service window notices and case filing records; a record of serious dishonesty triggers a one-vote veto at the unified entry point for all three matters.

Business pain points

Scattered and frequently changing policy rules: the approval lines 80/60, the segmented social security scoring, the 36-month home purchase and 24-month car purchase thresholds, and the relaxed talent months may all be revised annually with urban population policy; once hard-coded into government systems, every adjustment requires a new release and a new security compliance assessment.
Three matters share the same elements but use different decision logic: household registration uses multi-dimensional points, home and car purchases use contribution-year thresholds, plus hard constraints such as purchase restrictions and already owning a car; hard-coding the branches into the case workflow makes it easy to mix up policy rules.
Channel prerequisites must intercept before points calculation: applicants with less than 6 months of employment social security, insufficient enterprise years or tax payments for investment, or no certification for talent must not enter the points calculation; a missed check causes wrongful approvals.
Hard veto items must be front-loaded and traceable: the one-vote veto for serious dishonesty, the purchase restriction for existing homeowners, and the ban on re-applying for a car quota when already owning a local car must prevent accidents like “approved because the points are enough”.
Review conclusions must be explainable to citizens item by item: every score, the social security and tax contribution months, and the basis for relaxed thresholds must be traceable and open to reconsideration; black-box decisions cannot meet government disclosure requirements.
Legacy government systems with domestic-stack and JDK 8 constraints: government clouds mostly run on domestically produced environments, so a heavy standalone rule platform cannot be introduced just for qualification decisions.

Solution architecture

This case follows the six-piece skeleton: input model + decision result model + rule interface + XML rule script + Service orchestration + 6 groups of tests based on real business scenarios.

Layer	Responsibility	Files
Domain model	Citizen qualification application elements and review decision result (conclusion / points / details / policy reasons)	CityQualificationApplication.java, CityQualificationDecision.java
Rule set and XML	Five-dimension points rules, household registration tiers, home/car contribution-month thresholds and talent relaxations	CityQualificationRules.java, city-qualification.xml
Orchestration service	Matter routing, dishonesty one-vote veto, channel thresholds, purchase restriction checks, points aggregation and explanation assembly	CityQualificationService.java
Tests	6 policy scenarios (talent high-score approval / employment low-score rejection / investment borderline review / thresholds and dishonesty / home purchase / car purchase)	CityQualificationServiceTest.java

Rule method breakdown

Rule method	Rule	Score / output
`educationScore`	Education points: doctor 40 / master 30 / bachelor 20 / college 10 / other 0	0-40
`securityScore`	Social security: 10 points per full 12 months: 40 for >=48 months, 30 for >=36, 20 for >=24, 10 for >=12, otherwise 0	0-40
`ageSettleScore`	Age points: 15 for ≤35, 10 for ≤45, 5 for ≤55, otherwise 0	0-15
`titleScore`	Talent title points: TOP_TALENT 30, ELITE 15, otherwise 0	0-30
`investTaxScore`	Enterprise tax paid last year under investment registration: 20 for >=1 million yuan, 10 for >=500k, 5 for >=100k, otherwise 0	0-20
`settleResult`	Household registration tiers: points >=80 APPROVE, >=60 REVIEW, otherwise REJECT	Three conclusions
`houseEligible`	Home purchase eligibility: social security or tax >=36 months; TOP_TALENT / ELITE relaxed to >=3 months	boolean
`carEligible`	New-energy quota: provided no local car is registered, social security or tax >=24 months; talent relaxed to >=6 months	boolean

Code implementation (complete & runnable)

Place the following files into the test directory of a JQuick-Java project following the source package structure: the two models go into src/test/java/com/github/paohaijiao/demo/model/, the rule interface and test class into src/test/java/com/github/paohaijiao/demo/, the Service into src/test/java/com/github/paohaijiao/demo/service/, and the XML script into src/test/resources/demo/, keeping the original package names (com.github.paohaijiao.demo / .model / .service). Then run mvn test -Dtest=CityQualificationServiceTest to execute all 6 test cases.

CityQualificationApplication.java

package com.github.paohaijiao.demo.model;

import lombok.AllArgsConstructor;
import lombok.Data;
import lombok.NoArgsConstructor;

/**
 * 市民资格申请要素（落户 / 购房 / 购车三类政策入口共用）
 */
@Data
@NoArgsConstructor
@AllArgsConstructor
public class CityQualificationApplication {

    /**
     * 申请单号
     */
    private String applicationId;

    /**
     * 申请人姓名
     */
    private String applicantName;

    /**
     * 申请事项：SETTLE-落户 / HOUSE_PURCHASE-购房 / CAR_PURCHASE-购车
     */
    private String benefit;

    /**
     * 年龄
     */
    private int age;

    /**
     * 学历：DOCTOR / MASTER / BACHELOR / COLLEGE / OTHER
     */
    private String education;

    /**
     * 本市社保连续缴纳月数
     */
    private int socialSecurityMonths;

    /**
     * 本市个税连续缴纳月数
     */
    private int taxPaymentMonths;

    /**
     * 在本市是否已拥有住房
     */
    private boolean hasPropertyInCity;

    /**
     * 名下是否已有本市小客车
     */
    private boolean hasCarInCity;

    /**
     * 落户通道：EMPLOYEE-就业 / INVESTMENT-投资 / TALENT-人才引进
     */
    private String channel;

    /**
     * 创办企业年限（投资落户）
     */
    private int companyYears;

    /**
     * 创办企业上年纳税额（万元，投资落户）
     */
    private double enterpriseTaxWan;

    /**
     * 人才称号：TOP_TALENT-高层次人才 / ELITE-紧缺人才 / NONE-无
     */
    private String talentTitle;

    /**
     * 是否存在严重失信记录
     */
    private boolean badCreditRecord;
}

CityQualificationDecision.java

package com.github.paohaijiao.demo.model;

import lombok.Data;

import java.util.ArrayList;
import java.util.List;

/**
 * 市民资格审核决策结果（落户积分 / 购房购车门槛共用）
 */
@Data
public class CityQualificationDecision {

    /**
     * 申请单号
     */
    private String applicationId;

    /**
     * 申请事项
     */
    private String benefit;

    /**
     * 审核结论：ALLOW-资格通过 / APPROVE-核准落户 / REVIEW-复核公示 / REJECT-不通过
     */
    private String result;

    /**
     * 落户积分（仅落户事项计分，其余事项为 0）
     */
    private int points;

    /**
     * 各项得分与门槛核验明细
     */
    private List<String> details = new ArrayList<String>();

    /**
     * 不通过原因与政策说明
     */
    private List<String> reasons = new ArrayList<String>();

    public void addDetail(String detail) {
        this.details.add(detail);
    }

    public void addReason(String reason) {
        this.reasons.add(reason);
    }
}

CityQualificationRules.java

package com.github.paohaijiao.demo;

import com.github.paohaijiao.xml.param.Param;

/**
 * 场景 21：落户 / 购房 / 购车资格多政策判定规则集
 * <p>
 * 落户按学历、社保、年龄、人才称号、投资纳税五维积分（80 核准 / 60 复核）；
 * 购房购车按社保或个税连续缴纳月数设置门槛，人才通道缩短年限。
 * 规则脚本见 {@code src/test/resources/demo/city-qualification.xml}。
 */
public interface CityQualificationRules {

    /** 学历积分：博士 40 / 硕士 30 / 本科 20 / 大专 10 / 其他 0 */
    int educationScore(@Param("education") String education);

    /** 社保积分：每满 12 个月 10 分，48 个月封顶 40 分 */
    int securityScore(@Param("months") int months);

    /** 年龄积分：35 岁以下 15 / 45 岁以下 10 / 55 岁以下 5 */
    int ageSettleScore(@Param("age") int age);

    /** 人才称号积分：高层次 30 / 紧缺 15 / 无 0 */
    int titleScore(@Param("talentTitle") String talentTitle);

    /** 投资纳税积分：年纳税 100/50/10 万对应 20/10/5 分 */
    int investTaxScore(@Param("enterpriseTaxWan") double enterpriseTaxWan);

    /** 落户结论：80 分以上核准，60 分以上复核，其余不通过 */
    String settleResult(@Param("points") int points);

    /** 购房资格：社保或个税满 36 个月；高层次/紧缺人才放宽至 3 个月 */
    boolean houseEligible(@Param("ssMonths") int ssMonths,
                          @Param("taxMonths") int taxMonths,
                          @Param("talentTitle") String talentTitle);

    /** 购车（新能源指标）资格：普通满 24 个月、人才满 6 个月，且名下无本市小客车 */
    boolean carEligible(@Param("ssMonths") int ssMonths,
                        @Param("taxMonths") int taxMonths,
                        @Param("noCarInCity") boolean noCarInCity,
                        @Param("talentTitle") String talentTitle);
}

city-qualification.xml

class="header">

<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE javas PUBLIC "-//PAOHAIJIAO//DTD API JAVA 1.0//EN"
        "classpath:paohaijiao/dtd/Jquick-java.dtd">
<javas namespace="com.github.paohaijiao.demo.CityQualificationRules">
 <!-- 学历积分 -->
    <java name="educationScore" returnClass="int">
        <![CDATA[
            int def educationScore(str:education) {
                if (education == "DOCTOR") {
                    return 40;
                } else if (education == "MASTER") {
                    return 30;
                } else if (education == "BACHELOR") {
                    return 20;
                } else if (education == "COLLEGE") {
                    return 10;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 社保积分：分段等价于每满 12 个月 10 分，48 月封顶 -->
    <java name="securityScore" returnClass="int">
        <![CDATA[
            int def securityScore(int:months) {
                if (months >= 48) {
                    return 40;
                } else if (months >= 36) {
                    return 30;
                } else if (months >= 24) {
                    return 20;
                } else if (months >= 12) {
                    return 10;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 年龄积分 -->
    <java name="ageSettleScore" returnClass="int">
        <![CDATA[
            int def ageSettleScore(int:age) {
                if (age <= 35) {
                    return 15;
                } else if (age <= 45) {
                    return 10;
                } else if (age <= 55) {
                    return 5;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 人才称号积分 -->
    <java name="titleScore" returnClass="int">
        <![CDATA[
            int def titleScore(str:talentTitle) {
                if (talentTitle == "TOP_TALENT") {
                    return 30;
                } else if (talentTitle == "ELITE") {
                    return 15;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 投资纳税积分 -->
    <java name="investTaxScore" returnClass="int">
        <![CDATA[
            int def investTaxScore(double:enterpriseTaxWan) {
                if (enterpriseTaxWan >= 100.0) {
                    return 20;
                } else if (enterpriseTaxWan >= 50.0) {
                    return 10;
                } else if (enterpriseTaxWan >= 10.0) {
                    return 5;
                } else {
                    return 0;
                }
            }
        ]]>
    </java>
 <!-- 落户结论分档 -->
    <java name="settleResult" returnClass="java.lang.String">
        <![CDATA[
            str def settleResult(int:points) {
                if (points >= 80) {
                    return "APPROVE";
                } else if (points >= 60) {
                    return "REVIEW";
                } else {
                    return "REJECT";
                }
            }
        ]]>
    </java>
 <!-- 购房资格：普通 36 月，人才 3 月（社保、个税满足其一即可） -->
    <java name="houseEligible" returnClass="boolean">
        <![CDATA[
            boolean def houseEligible(int:ssMonths, int:taxMonths, str:talentTitle) {
                boolean eligible = false;
                if (ssMonths >= 36 || taxMonths >= 36) {
                    eligible = true;
                }
                if (talentTitle == "TOP_TALENT") {
                    if (ssMonths >= 3 || taxMonths >= 3) {
                        eligible = true;
                    }
                }
                if (talentTitle == "ELITE") {
                    if (ssMonths >= 3 || taxMonths >= 3) {
                        eligible = true;
                    }
                }
                return eligible;
            }
        ]]>
    </java>
 <!-- 购车新能源指标：普通 24 月，人才 6 月，且名下无车 -->
    <java name="carEligible" returnClass="boolean">
        <![CDATA[
            boolean def carEligible(int:ssMonths, int:taxMonths, boolean:noCarInCity, str:talentTitle) {
                boolean eligible = false;
                if (noCarInCity) {
                    if (ssMonths >= 24 || taxMonths >= 24) {
                        eligible = true;
                    }
                    if (talentTitle == "TOP_TALENT") {
                        if (ssMonths >= 6 || taxMonths >= 6) {
                            eligible = true;
                        }
                    }
                    if (talentTitle == "ELITE") {
                        if (ssMonths >= 6 || taxMonths >= 6) {
                            eligible = true;
                        }
                    }
                }
                return eligible;
            }
        ]]>
    </java>
 style="--0:#7FDBCA"></javas>

ejava">CityQualificationService.java