Mejoras de sesion: estabilizacion, IA, Nexus Yonke y marketplace B2B

- F0 blindaje: Redis/Celery, pg_hba sin trust LAN, secretos a env 600, backups, webhook auth, jobs muertos
- F1 caja: bugs POS, reembolsos al corte, apartados, CFDI, topes de descuento en cotizacion/apartado
- F2/F7 IA de catalogo: autocategorizacion, dedup de SKUs con embeddings, OCR de facturas, descripciones, claves SAT, limpieza de fitment
- F3 IA en el flujo: vision Yonke, preguntas MeLi, venta cruzada, anomalias, sinonimos, busqueda semantica (rerank/embeddings)
- F4/F8 escala y cartera: /metrics+Prometheus+Grafana, pool, score de credito, churn, metricas multi-tenant
- Nexus Yonke (M1-M6): modelo de datos 1-de-1, alta por donador, vitrina publica, MeLi usado, consignacion, garantia por dias, reportes, etiquetas
- Marketplace B2B entre yonkes (catalogo + pedidos cross-tenant)
- Seguridad: auth en /api/admin/* (35 endpoints), alertas por tenant
- Migraciones v4.27/v4.28; timers expire-demos y rollup-metrics

scripts/credit_score_report.py

@@ -0,0 +1,123 @@
+#!/usr/bin/env python3
+"""Credit risk score report (A9).
+
+Prints rule-based credit scores for a tenant's customers using
+``services.credit_scoring.score_customer``. Read-only: never writes to the DB.
+
+Usage (as root/postgres, from /home/Autopartes):
+    python3 scripts/credit_score_report.py --tenant 31
+    python3 scripts/credit_score_report.py --tenant 45 --only-credit
+    python3 scripts/credit_score_report.py --all --tier risk
+    python3 scripts/credit_score_report.py --tenant 31 --json
+"""
+
+import argparse
+import json
+import os
+import sys
+
+sys.path.insert(0, os.path.join(os.path.dirname(os.path.abspath(__file__)), '..', 'pos'))
+
+from tenant_db import get_tenant_conn, get_master_conn  # noqa: E402
+from services.credit_scoring import score_customer  # noqa: E402
+
+
+def list_tenants(only_id=None):
+    conn = get_master_conn()
+    try:
+        cur = conn.cursor()
+        if only_id:
+            cur.execute(
+                "SELECT id, name, db_name FROM tenants "
+                "WHERE is_active = true AND id = %s",
+                (only_id,),
+            )
+        else:
+            cur.execute(
+                "SELECT id, name, db_name FROM tenants WHERE is_active = true ORDER BY id"
+            )
+        rows = cur.fetchall()
+        cur.close()
+        return rows
+    finally:
+        conn.close()
+
+
+def customer_ids(conn, only_credit=False, limit=None):
+    cur = conn.cursor()
+    where = "WHERE c.is_active = true"
+    if only_credit:
+        where += " AND (c.credit_limit > 0 OR c.credit_balance > 0)"
+    sql = f"SELECT c.id FROM customers c {where} ORDER BY c.id"
+    if limit:
+        sql += " LIMIT %s"
+        cur.execute(sql, (limit,))
+    else:
+        cur.execute(sql)
+    ids = [r[0] for r in cur.fetchall()]
+    cur.close()
+    return ids
+
+
+def report_tenant(tenant_id, tenant_name, only_credit, limit, tier_filter, as_json):
+    conn = get_tenant_conn(tenant_id)
+    try:
+        ids = customer_ids(conn, only_credit=only_credit, limit=limit)
+        rows = []
+        for cid in ids:
+            try:
+                rows.append(score_customer(conn, cid))
+            except Exception as exc:
+                rows.append({'customer_id': cid, 'error': str(exc)})
+    finally:
+        conn.close()
+
+    if tier_filter:
+        rows = [r for r in rows if r.get('tier') == tier_filter]
+
+    if as_json:
+        print(json.dumps({'tenant_id': tenant_id, 'tenant': tenant_name, 'scores': rows},
+                         ensure_ascii=False, indent=2, default=str))
+        return
+
+    print(f"\n=== Tenant {tenant_id} — {tenant_name} ({len(rows)} clientes) ===")
+    print(f"{'ID':>6}  {'score':>5}  {'tier':<6}  {'lim_sug':>12}  {'datos':>5}  señal principal")
+    for r in sorted(rows, key=lambda x: x.get('score', 0)):
+        if 'error' in r:
+            print(f"{r['customer_id']:>6}  ERROR: {r['error']}")
+            continue
+        reasons = r.get('reasons') or []
+        headline = next(
+            (x for x in reasons if 'Mora' in x or 'atraso' in x or 'excedido' in x),
+            reasons[-1] if reasons else '',
+        )
+        print(f"{r['customer_id']:>6}  {r['score']:>5}  {r['tier']:<6}  "
+              f"{r['recommended_limit']:>12,.2f}  {r['data_points']:>5}  {headline}")
+
+
+def main():
+    parser = argparse.ArgumentParser(description="Credit risk score report (A9)")
+    group = parser.add_mutually_exclusive_group(required=True)
+    group.add_argument('--tenant', type=int, help='Tenant id')
+    group.add_argument('--all', action='store_true', help='All active tenants')
+    parser.add_argument('--only-credit', action='store_true',
+                        help='Only customers with a credit line or balance')
+    parser.add_argument('--tier', choices=['good', 'medium', 'risk'],
+                        help='Only show customers in this tier')
+    parser.add_argument('--limit', type=int, help='Max customers per tenant')
+    parser.add_argument('--json', action='store_true', help='Emit JSON')
+    args = parser.parse_args()
+
+    tenants = list_tenants(None if args.all else args.tenant)
+    if not tenants:
+        print("No tenants found", file=sys.stderr)
+        return 1
+
+    for tenant_id, name, _db_name in tenants:
+        report_tenant(tenant_id, name, args.only_credit, args.limit,
+                      args.tier, args.json)
+    return 0
+
+
+if __name__ == '__main__':
+    sys.exit(main())