Northstar MCP Server
Regulated MCP Insurance Deployment Kit
面向欧洲保险的确定性报价架构与企业交付套件
一个生产形态的参考实现,展示欧洲保险公司如何通过 Model Context Protocol (MCP) 提供确定性、非约束性的房屋保险报价流程,同时保持服务器端拥有的验证、定价计算、强制 GDPR 同意门控以及防篡改的可审计性。
1. 业务问题
对话式 AI 助手显著提升了保险报价转化率,但金融法规(EU AI Act、GDPR、Solvency II 以及保险行为准则)禁止未经审查的、非确定性的价格设定或不可审计的资格决策。
传统对话式机器人在受监管金融领域存在三个致命缺陷:
定价幻觉: LLM 以非确定性的方式凭空生成或修改保费和折扣。
监管不合规: 未经明确记录同意而签发的报价违反 GDPR 第 6 条和第 7 条。
黑盒状态转换: 监管机构无法重建用户输入与精算规则的精确序列。
本部署套件演示了确定性服务器权威模式:AI 助手负责对话式自然语言提取,而编译后的服务器核心拥有所有状态转换、验证、精算公式、同意门控和加密审计日志。
Related MCP server: @getplexa/mcp
2. 架构概述
flowchart LR
subgraph Conversational Boundary
Client[MCP Client / User Assistant]
end
subgraph Northstar MCP Server
Sanitizer[Input Sanitizer & Regex Guard]
StateMachine[Funnel State Machine]
Store[(Session Store: Memory / Postgres)]
end
subgraph Deterministic Core
Rules[Actuarial Pricing Engine (v1/v2)]
Eligibility[Underwriting Eligibility Evaluator]
ConsentGuard[GDPR Consent Gate]
Audit[Append-Only SHA-256 Audit Store]
end
Client -->|MCP Tool Calls| Sanitizer
Sanitizer --> StateMachine
StateMachine <--> Store
StateMachine --> Eligibility
StateMachine --> ConsentGuard
ConsentGuard --> Rules
StateMachine --> Audit核心不变量
服务器定价权威: 保费通过编译后的 TypeScript 中的纯函数计算(
packages/rules/src/pricing.ts)。客户端负载无法修改价格。强制同意门控: 在记录明确的数据处理同意之前(
[CONSENT_REQUIRED]),报价签发被硬性阻止。加密审计追踪: 每个生命周期事件都会追加一个 SHA-256 哈希,链接回会话起点(
packages/audit/src/audit-store.ts)。零凭据本地路径: 无需付费的第三方 API 凭据即可在本地完全测试和运行。
3. 关键能力
多国欧洲地址: 针对法国(
FR)、西班牙(ES)、葡萄牙(PT)、德国(DE)和意大利(IT)的正则表达式验证邮政编码格式。承保资格与转介: 评估风险组合(例如理赔次数 $>3$、大型高价值别墅),并输出明确的机器可读原因代码。
状态修正与失效循环: 修改先前确认的风险参数会自动使有效报价失效并重置同意状态。
动态报价调整: 无需重新启动漏斗即可修改有效报价的保障层级(
essential、comfort、premium)和免赔额(€150 至 €1000)。托管 SaaS 与客户 VPC 蓝图: 完整的部署清单、Docker Compose 本地栈以及多标准决策矩阵。
企业交付与采购套件: 32 个全面的交付物,包括 35 题安全问卷、STRIDE 威胁模型、RTM、RACI 和 UAT 计划。
4. 快速开始
前置条件
Node.js
v20.x或更高版本npm
v10.x或更高版本(容器化 PostgreSQL 可选使用 Docker)
单命令验证
# 1. Install dependencies (idempotent, local)
make setup
# 2. Run the full interactive demonstration
make demo
# 3. Run all unit and integration tests (32 tests)
make test
# 4. Run the 24-scenario automated evaluation benchmark
make eval
# 5. Execute all release audit quality gates
make release-check5. 60 秒报价对话记录
[User] "Hi, I need home insurance for my apartment in Paris (75008)."
[Assistant] submit_property_basics({ country: 'FR', postcode: '75008', propertyType: 'apartment', occupancyType: 'owner_occupied' })
[Server] -> Status: PROPERTY_RECORDED. State advanced to COLLECTING_RISK.
[User] "It was built in 2010, 75 sqm, primary residence, 0 claims in past 5 years."
[Assistant] submit_risk_factors({ constructionYearBand: '2000_2015', floorAreaBand: '50_100_sqm', isPrimaryResidence: true, claimsCount5Years: 0 })
[Server] -> Status: RISK_FACTORS_RECORDED.
[Assistant] evaluate_eligibility()
[Server] -> Outcome: ELIGIBLE (Reason: RISK_CRITERIA_MET). Rule version: northstar-home-eu-v1.
[User] "I'd like the Comfort tier with a €300 deductible."
[Assistant] select_coverage({ coverageTier: 'comfort', deductible: 300 })
[Assistant] confirm_quote_parameters({ confirmed: true })
[Server] -> Status: PARAMETERS_CONFIRMED. State advanced to AWAITING_CONSENT.
[Invariant] calculate_quote() -> Throws [CONSENT_REQUIRED] "Cannot calculate quote without verified consent."
[User] "I agree to the data processing terms."
[Assistant] submit_consent({ consentVersion: 'consent_v1_2026' })
[Assistant] calculate_quote()
[Server] -> QUOTE ISSUED (ID: 90484678-f868...)
Base Annual: €180.00 | Property Multiplier: x0.9 | Deductible Discount: -€25.00
Net Annual: €137.00 | Tax (18%): +€24.66
TOTAL: €161.66 / year (€13.47 / month)
Fingerprint: 36d5b534f844c6e43243398f3fb42436c251712183d3e0036f239a7bc168d56a (SHA-256)
Status: Active (Non-binding indicative)6. 仓库结构
├── apps/
│ ├── mcp-server/ # Model Context Protocol server (Stdio/HTTP)
│ └── pricing-service/ # Fastify microservice (/health, /ready, /metrics, /calculate)
├── packages/
│ ├── domain/ # Zod validation schemas, error taxonomy, state machine
│ ├── rules/ # Actuarial pricing engine, versioned rules (v1, v2), eligibility
│ ├── persistence/ # SessionStore interface (In-Memory with TTL & PostgreSQL)
│ ├── audit/ # Append-only audit store with SHA-256 hash chaining & redactor
│ └── security/ # Input sanitization, prompt injection detection, data catalog
├── docs/
│ ├── fde/ # 16-document Enterprise FDE Delivery Pack (RTM, RACI, UAT, etc.)
│ ├── procurement/ # 16-document Procurement & Security Library (35-question FAQ, DPIA)
│ ├── architecture/ # Threat model (STRIDE), Hosted vs VPC blueprints, SDK notes
│ ├── portfolio/ # Role requirement map, interview walkthrough, STAR stories
│ └── DEMO_SCRIPT.md # 5-minute video recording script
├── tests/ # Unit, property, integration, and adversarial security tests
├── scripts/
│ ├── demo-flow.ts # Interactive demonstration runner
│ ├── run-eval.ts # 24-scenario automated evaluation benchmark
│ └── anonymize-session.ts # GDPR Article 17 right-to-erasure utility
├── Makefile # Canonical developer command interface
├── docker-compose.yml # Local multi-container deployment stack
└── .github/workflows/ci.yml # Automated CI verification pipeline7. 实测证据与评估结果
本仓库中的所有声明均由通过的代码和自动化评估基准支撑:
评估维度 | 测量工具 | 场景/测试 | 实测结果 |
类型安全 | TypeScript 编译器( | Monorepo 严格模式 | 0 个类型错误 |
单元与集成测试套件 | Vitest 测试运行器( | 11 个测试套件,32 个测试 | 32 个通过(100%) |
评估基准 | 自动化评估运行器( | 24 个多国场景 | 24 个通过(100%,10ms 执行) |
安全审计 | npm 依赖审计( | 193 个依赖 | 0 个高危/严重漏洞 |
审计链完整性 | SHA-256 加密验证 | 生命周期事件日志 | 100% 未断裂的哈希链 |
原始基准结果导出至 artifacts/evals/flow-evaluation.json。
8. 企业交付与采购套件
9. 已知限制
仅为指示性报价: Northstar Home Insurance EU 是一个合成参考模型。签发的报价不具有约束力,不构成法律承保合同,也不收取任何款项。
示例性精算因子:
packages/rules/src/v1.ts中的定价系数是简化的演示乘数,不反映专有的精算表。无外部云部署声明: 本仓库通过零凭据运行器和 Docker Compose 在本地验证;未配置任何第三方云基础设施。
10. 非关联声明与许可证
本仓库是一个独立的技术工作量证明演示,使用开源 MIT 许可的包(@waniwani/sdk、@modelcontextprotocol/sdk)构建。它与 Waniwani AI、Anthropic 或任何商业保险公司均无关联、未经其认可,也未获得其赞助。
根据 MIT 许可证 授权。
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