credit_gateway 0.1.0

checksums.yaml

@@ -0,0 +1,7 @@
+---
+SHA256:
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+  data.tar.gz: b435194d43382b6be9a41a3aa01bf8242adb296ac27865e127237feab5795611
+SHA512:
+  metadata.gz: 3a0d08ff82831dfa6296b55c36e3407f2b5d098bc90fa58028683d36c1a66c06f1a0488835a0a2ca38d2fe47c26a1252e4e91c4d6c3b95ff4dae47a09d9d9309
+  data.tar.gz: 95b6d7519efb3e5669408f6663f586502016f465ece144e759aab69b4d972470826e53c1b7c3b6ea1946b70c9b059d8e6e01c2af77f3cab32cbf83794268ab63

data/.gitignore

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+/.bundle/
+/.yardoc
+/_yardoc/
+/coverage/
+/doc/
+/pkg/
+/spec/reports/
+/tmp/
+/.rspec_status
+/.ruby-gemset

data/.rubocop.yml

@@ -0,0 +1,96 @@
+require: rubocop-rspec
+
+AllCops:
+  TargetRubyVersion: 2.6
+  NewCops: enable
+  Exclude:
+    - 'db/**/*'
+    - 'ansible/**/*'
+    - 'vendor/**/*'
+    - 'bin/**/*'
+    - 'node_modules/**/*'
+
+# Don't force top level comments in every class
+Style/Documentation:
+  Enabled: false
+
+# A good line length is 100 chars, comments are ignored
+Layout/LineLength:
+  Max: 100
+  AllowURI: true
+  IgnoredPatterns: ['\A(\s+)?#']
+
+Metrics/BlockLength:
+  Enabled: false
+
+Metrics/ClassLength:
+  Max: 300
+
+Metrics/MethodLength:
+  Max: 20
+
+Metrics/AbcSize:
+  Max: 30
+
+RSpec/ExampleLength:
+  Enabled: false
+
+RSpec/MultipleExpectations:
+  Max: 10
+
+RSpec/LetSetup:
+  Enabled: false
+
+RSpec/MessageSpies:
+  Enabled: false
+
+RSpec/RepeatedExample:
+  Exclude:
+    - 'spec/policies/**/*'
+
+RSpec/RepeatedDescription:
+  Exclude:
+    - 'spec/policies/**/*'
+
+Layout/EmptyLinesAroundAttributeAccessor:
+  Enabled: true
+
+Layout/SpaceAroundMethodCallOperator:
+  Enabled: true
+
+Lint/DeprecatedOpenSSLConstant:
+  Enabled: true
+
+Lint/RaiseException:
+  Enabled: true
+
+Lint/StructNewOverride:
+  Enabled: true
+
+Style/ExponentialNotation:
+  Enabled: true
+
+Style/HashEachMethods:
+  Enabled: true
+
+Style/HashTransformKeys:
+  Enabled: true
+
+Style/HashTransformValues:
+  Enabled: true
+
+Style/SlicingWithRange:
+  Enabled: true
+
+# TODO: we should rename our fields from line_1, address_line_2, etc
+Naming/VariableNumber:
+  Enabled: false
+
+Metrics/CyclomaticComplexity:
+  Max: 9
+
+Metrics/PerceivedComplexity:
+  Max: 10
+
+RSpec/MultipleMemoizedHelpers:
+  Max: 8

data/.ruby-version

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+2.6.6

data/Gemfile

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+# frozen_string_literal: true
+
+source 'https://rubygems.org'
+
+git_source(:github) { |repo_name| "https://github.com/#{repo_name}" }
+
+# Specify your gem's dependencies in credit_gateway.gemspec
+gemspec

data/Gemfile.lock

@@ -0,0 +1,71 @@
+PATH
+  remote: .
+  specs:
+    credit_gateway (0.1.0)
+      faraday
+      faraday_middleware
+      faraday_middleware-multi_json
+      multi_json
+
+GEM
+  remote: https://rubygems.org/
+  specs:
+    addressable (2.7.0)
+      public_suffix (>= 2.0.2, < 5.0)
+    coderay (1.1.3)
+    crack (0.4.5)
+      rexml
+    diff-lcs (1.4.4)
+    dotenv (2.7.6)
+    faraday (0.17.4)
+      multipart-post (>= 1.2, < 3)
+    faraday_middleware (0.14.0)
+      faraday (>= 0.7.4, < 1.0)
+    faraday_middleware-multi_json (0.0.6)
+      faraday_middleware
+      multi_json
+    hashdiff (1.0.1)
+    method_source (1.0.0)
+    multi_json (1.15.0)
+    multipart-post (2.1.1)
+    pry (0.13.1)
+      coderay (~> 1.1)
+      method_source (~> 1.0)
+    public_suffix (4.0.6)
+    rake (13.0.3)
+    rexml (3.2.4)
+    rspec (3.10.0)
+      rspec-core (~> 3.10.0)
+      rspec-expectations (~> 3.10.0)
+      rspec-mocks (~> 3.10.0)
+    rspec-core (3.10.1)
+      rspec-support (~> 3.10.0)
+    rspec-expectations (3.10.1)
+      diff-lcs (>= 1.2.0, < 2.0)
+      rspec-support (~> 3.10.0)
+    rspec-mocks (3.10.2)
+      diff-lcs (>= 1.2.0, < 2.0)
+      rspec-support (~> 3.10.0)
+    rspec-support (3.10.2)
+    vcr (6.0.0)
+    webmock (3.12.1)
+      addressable (>= 2.3.6)
+      crack (>= 0.3.2)
+      hashdiff (>= 0.4.0, < 2.0.0)
+
+PLATFORMS
+  x86_64-darwin-19
+  x86_64-linux
+
+DEPENDENCIES
+  bundler (~> 2.2)
+  credit_gateway!
+  dotenv
+  pry
+  rake
+  rspec
+  vcr
+  webmock
+
+BUNDLED WITH
+   2.2.11

data/README.md

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+# CreditGateway
+
+Welcome to your new gem! In this directory, you'll find the files you need to be able to package up your Ruby library into a gem. Put your Ruby code in the file `lib/credit_gateway`. To experiment with that code, run `bin/console` for an interactive prompt.
+
+TODO: Delete this and the text above, and describe your gem
+
+## Installation
+
+Add this line to your application's Gemfile:
+
+```ruby
+gem 'credit_gateway'
+```
+
+And then execute:
+
+    $ bundle
+
+Or install it yourself as:
+
+    $ gem install credit_gateway
+
+## Usage
+
+TODO: Write usage instructions here
+
+## Development
+
+After checking out the repo, run `bin/setup` to install dependencies. You can also run `bin/console` for an interactive prompt that will allow you to experiment.
+
+To install this gem onto your local machine, run `bundle exec rake install`. To release a new version, update the version number in `version.rb`, and then run `bundle exec rake release`, which will create a git tag for the version, push git commits and tags, and push the `.gem` file to [rubygems.org](https://rubygems.org).
+
+## Contributing
+
+Bug reports and pull requests are welcome on GitHub at https://github.com/[USERNAME]/credit_gateway.

data/Rakefile

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+# frozen_string_literal: true
+
+require 'bundler/gem_tasks'
+task default: :spec

data/bin/console

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+#!/usr/bin/env ruby
+
+require 'bundler/setup'
+require 'credit_gateway'
+require 'json'
+
+# You can add fixtures and/or initialization code here to make experimenting
+# with your gem easier. You can also use a different console, if you like.
+
+# (If you use this, don't forget to add pry to your Gemfile!)
+require 'pry'
+Pry.start

data/bin/setup

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+#!/usr/bin/env bash
+set -euo pipefail
+IFS=$'\n\t'
+set -vx
+
+bundle install
+
+# Do any other automated setup that you need to do here

data/credit_gateway.gemspec

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+# frozen_string_literal: true
+
+lib = File.expand_path('lib', __dir__)
+$LOAD_PATH.unshift(lib) unless $LOAD_PATH.include?(lib)
+require 'credit_gateway/version'
+
+Gem::Specification.new do |spec|
+  spec.name          = 'credit_gateway'
+  spec.version       = CreditGateway::VERSION
+  spec.authors       = ['Finpoint']
+  spec.email         = ['nenad@finpoint.co.uk']
+
+  spec.summary       = 'CRIF CreditGateway client'
+  spec.description   = 'CRIF CreditGateway client'
+  spec.homepage      = 'https://www.finpoint.co.uk'
+
+  # Specify which files should be added to the gem when it is released.
+  # The `git ls-files -z` loads the files in the RubyGem that have been added into git.
+  spec.files         = Dir.chdir(File.expand_path(__dir__)) do
+    `git ls-files -z`.split("\x0").reject { |f| f.match(%r{^(test|spec|features)/}) }
+  end
+  spec.bindir        = 'exe'
+  spec.executables   = spec.files.grep(%r{^exe/}) { |f| File.basename(f) }
+  spec.require_paths = ['lib']
+
+  spec.add_dependency 'faraday'
+  spec.add_dependency 'faraday_middleware'
+  spec.add_dependency 'faraday_middleware-multi_json'
+  spec.add_dependency 'multi_json'
+  spec.add_development_dependency 'bundler', '~> 2.2'
+  spec.add_development_dependency 'dotenv'
+  spec.add_development_dependency 'pry'
+  spec.add_development_dependency 'rake'
+  spec.add_development_dependency 'rspec'
+  spec.add_development_dependency 'vcr'
+  spec.add_development_dependency 'webmock'
+end

data/lib/credit_gateway.rb

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+# frozen_string_literal: true
+
+require 'credit_gateway/version'
+require 'credit_gateway/configuration'
+require 'credit_gateway/identity'
+require 'credit_gateway/behavioral_score_repository'
+require 'credit_gateway/financial_score_repository'
+require 'credit_gateway/score_data_repository'
+require 'credit_gateway/bank_data_request'
+require 'credit_gateway/balance'
+require 'credit_gateway/bank_account'
+require 'credit_gateway/transaction'
+
+module CreditGateway
+  module_function
+
+  def configure
+    yield(configuration)
+  end
+
+  def configuration
+    @configuration ||= Configuration.new
+  end
+end

data/lib/credit_gateway/amount.rb

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+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class Amount < BaseModel
+    attributes :amount, :currency
+  end
+end

data/lib/credit_gateway/authenticate.rb

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+# frozen_string_literal: true
+
+require 'credit_gateway/configuration'
+require 'credit_gateway/errors'
+require 'credit_gateway/version'
+
+module CreditGateway
+  class Authenticate
+    def call(client_id, client_secret)
+      response = post(
+        '/connect/token',
+        client_id: client_id,
+        client_secret: client_secret,
+        grant_type: 'client_credentials'
+      )
+
+      if response.success?
+        response.body[:access_token]
+      elsif response.status == 400
+        raise InvalidRequestError, response.body
+      else
+        raise GenericError, response.body
+      end
+    end
+
+    private
+
+    def post(path, params = {})
+      connection.post(path, params)
+    end
+
+    def connection
+      auth_url = CreditGateway.configuration.auth_url
+
+      @connection ||= Faraday.new(url: auth_url) do |conn|
+        conn.request :url_encoded
+
+        conn.headers.merge!(
+          user_agent: "finpoint/#{CreditGateway::VERSION}"
+        )
+        conn.response :multi_json, symbolize_keys: true
+        conn.response :logger if CreditGateway.configuration.debug
+        conn.adapter Faraday.default_adapter
+      end
+    end
+  end
+end

data/lib/credit_gateway/balance.rb

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+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+require 'credit_gateway/amount'
+
+module CreditGateway
+  class Balance < BaseModel
+    attributes :account_id, :date_time, :type,
+               :amount, :credit_debit_indicator
+
+    def self.build(json:)
+      super.tap do |record|
+        record.amount = Amount.build(json: (record.amount || {}))
+        record.date_time = Time.parse(record.date_time) if record.date_time
+      end
+    end
+  end
+end

data/lib/credit_gateway/bank_account.rb

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+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+require 'credit_gateway/bank_account_scheme'
+
+module CreditGateway
+  class BankAccount < BaseModel
+    attributes :account_id, :account_type, :account_sub_type,
+               :currency, :nickname, :account
+
+    def self.build(json:)
+      super.tap do |record|
+        record.account = (record.account || []).compact.map do |bad|
+          BankAccountScheme.build(json: bad)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/bank_account_scheme.rb

@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class BankAccountScheme < BaseModel
+    attributes :scheme_name, :identification
+  end
+end

data/lib/credit_gateway/bank_data.rb

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+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+require 'credit_gateway/transaction'
+require 'credit_gateway/balance'
+require 'credit_gateway/bank_account'
+
+module CreditGateway
+  class BankData < BaseModel
+    attributes :transactions, :balances, :account, :last_booking_date_time
+
+    def self.build(json:)
+      super.tap do |record|
+        record.transactions = (record.transactions || []).compact.map do |t|
+          Transaction.build(json: t)
+        end
+        record.balances = (record.balances || []).compact.map do |b|
+          Balance.build(json: b)
+        end
+        record.account = BankAccount.build(json: (record.account || {}))
+        if record.last_booking_date_time
+          record.last_booking_date_time = Time.parse(record.last_booking_date_time)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/bank_data_request.rb

@@ -0,0 +1,18 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+require 'credit_gateway/bank_data'
+
+module CreditGateway
+  class BankDataRequest < BaseModel
+    attributes :banks_account_data
+
+    def self.build(json:)
+      super.tap do |record|
+        record.banks_account_data = (record.banks_account_data || []).compact.map do |bad|
+          BankData.build(json: bad)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/base_model.rb

@@ -0,0 +1,65 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/errors'
+require 'credit_gateway/camelizer_upper'
+
+module CreditGateway
+  class BaseModel
+    class << self
+      def attributes(*attributes)
+        @attributes ||= []
+
+        return @attributes unless attributes
+
+        attr_accessor(*attributes)
+
+        @attributes += attributes
+      end
+
+      def attribute_aliases(aliases = nil)
+        @attribute_aliases ||= {}
+
+        return @attribute_aliases unless aliases
+
+        @attribute_aliases.merge!(aliases)
+      end
+
+      def key_transformer
+        CamelizerUpper
+      end
+
+      # Sets all the instance variables by reading the JSON from CreditGateway and converting the keys from
+      # PascalCase to snake_case, as it's the standard in Ruby.
+      def build(json: {}, key_transformer: self.key_transformer)
+        new.tap do |record|
+          attributes.each do |attr|
+            key = attribute_aliases.key?(attr) ? attribute_aliases[attr] : attr
+            record.public_send("#{attr}=", json[key_transformer.transform(key)])
+          end
+        end
+      end
+    end
+
+    def initialize(attributes = {})
+      attributes.each do |attr, value|
+        public_send("#{attr}=", value)
+      end
+    end
+
+    def as_json
+      self.class.attributes.each_with_object({}) do |attr, hash|
+        value = public_send(attr)
+
+        value = value.as_json if value.respond_to?(:as_json)
+        if value.is_a?(Array)
+          value = value.map { |v| v.respond_to?(:as_json) ? v.as_json : v }
+        end
+        value = value.iso8601 if value.respond_to?(:iso8601)
+
+        key = self.class.key_transformer.transform(attr)
+
+        hash[key] = value
+      end
+    end
+  end
+end

data/lib/credit_gateway/base_repository.rb

@@ -0,0 +1,42 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/errors'
+require 'credit_gateway/client'
+
+module CreditGateway
+  class BaseRepository
+    def initialize(client: nil)
+      @client = client || Client.new
+    end
+
+    private
+
+    attr_reader :client
+
+    def get(path, params: {}, identity: nil)
+      headers = identity ? identity.to_headers : {}
+      result = client.get(path.strip, headers: headers, params: params)
+
+      raise APIKeyError, result.body[:error] if result.status == 401
+
+      result
+    end
+
+    def post(path, params: {}, identity: nil)
+      headers = identity ? identity.to_headers : {}
+      result = client.post(path.strip, headers: headers, params: params)
+
+      raise APIKeyError, result.body[:error] if result.status == 401
+
+      result
+    end
+
+    def format_url(url, params)
+      formatted = url.dup.strip
+
+      params.each { |key, value| formatted.sub!(":#{key}", value) }
+
+      formatted
+    end
+  end
+end

data/lib/credit_gateway/behavioral_badge.rb

@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class BehavioralBadge < BaseModel
+    attributes :badge_url, :badge_tiny_url, :badge_long_url, :upgrade_url
+  end
+end

data/lib/credit_gateway/behavioral_score.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+require 'credit_gateway/rating'
+
+module CreditGateway
+  class BehavioralScore < BaseModel
+    attributes :frequency, :calculated, :main_rating, :component_ratings
+
+    def self.build(json:)
+      super.tap do |record|
+        record.calculated = Time.parse(record.calculated) if record.calculated
+        record.main_rating = Rating.build(json: (record.main_rating || {}))
+        record.component_ratings = (record.component_ratings || []).map do |rating|
+          Rating.build(json: rating)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/behavioral_score_repository.rb

@@ -0,0 +1,38 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/behavioral_score'
+require 'credit_gateway/behavioral_badge'
+require 'credit_gateway/full_score'
+
+module CreditGateway
+  class BehavioralScoreRepository < BaseRepository
+    # Params:
+    # document_token - Token retrieved from ScoreDataRepository#prepare
+    def specific_rating(document_token)
+      result = post('/score/behavioralscore', params: { token: document_token })
+
+      FullScore.build(json: result.body)
+    end
+
+    def latest_rating(company_id)
+      url = format_url(
+        '/score/behavioralscore/rating/:company_id',
+        company_id: company_id.to_s
+      )
+      result = get(url)
+
+      BehavioralScore.build(json: result.body)
+    end
+
+    def badge(company_id)
+      url = format_url(
+        '/score/behavioralscore/badge/:company_id',
+        company_id: company_id.to_s
+      )
+      result = get(url)
+
+      BehavioralBadge.build(json: result.body)
+    end
+  end
+end

data/lib/credit_gateway/camelizer_upper.rb

@@ -0,0 +1,14 @@
+# frozen_string_literal: true
+
+module CreditGateway
+  class CamelizerUpper
+    # Converts this_is_my_string to ThisIsMyString and returns it as a symbol.
+    def self.transform(underscore_string)
+      underscore_string.to_s
+                       .split('_')
+                       .map(&:capitalize)
+                       .join
+                       .to_sym
+    end
+  end
+end

data/lib/credit_gateway/client.rb

@@ -0,0 +1,60 @@
+# frozen_string_literal: true
+
+require 'faraday'
+require 'faraday_middleware/multi_json'
+require 'credit_gateway/configuration'
+require 'credit_gateway/faraday_auth'
+
+module CreditGateway
+  class Client
+    def initialize
+      return if Faraday::Request.fetch_middleware(:credit_gateway_auth)
+
+      Faraday::Request.register_middleware credit_gateway_auth: -> { CreditGateway::FaradayAuth }
+    end
+
+    def get(path, headers: {}, params: {})
+      connection.get(path, params, headers).tap do |response|
+        handle_response(response)
+      end
+    end
+
+    def post(path, headers: {}, params: {})
+      connection.post(path, MultiJson.dump(params), headers).tap do |response|
+        handle_response(response)
+      end
+    end
+
+    def connection
+      @connection ||= Faraday.new(url: api_url) do |conn|
+        conn.request :credit_gateway_auth,
+                     CreditGateway.configuration.client_id,
+                     CreditGateway.configuration.client_secret
+        conn.response :multi_json, symbolize_keys: true
+        if CreditGateway.configuration.debug
+          conn.response :logger, nil, { headers: true, bodies: CreditGateway.configuration.verbose }
+        end
+        conn.adapter Faraday.default_adapter
+      end
+    end
+
+    def api_url
+      CreditGateway.configuration.base_url
+    end
+
+    def handle_response(response)
+      return if response.success?
+
+      case response.status
+      when 400
+        raise InvalidRequestError, response.body
+      when 401
+        raise UnauthorizedError, response.body
+      when 404
+        raise NotFoundError, response.body
+      else
+        raise GenericError, "#{response.status}: #{response.body}"
+      end
+    end
+  end
+end

data/lib/credit_gateway/configuration.rb

@@ -0,0 +1,32 @@
+# frozen_string_literal: true
+
+module CreditGateway
+  class Configuration
+    BASE_URLS = {
+      production: '',
+      sandbox: 'https://apiuat.connector.crifrealtime.com'
+    }.freeze
+    AUTH_URLS = {
+      production: '',
+      sandbox: 'https://uatauth.connector.crifrealtime.com'
+    }.freeze
+
+    attr_accessor :client_id, :client_secret, :environment, :debug, :verbose
+
+    def initialize
+      @client_id = ''
+      @client_secret = ''
+      @environment = :sandbox # can be either :sandbox or :production
+      @debug = false
+      @verbose = false
+    end
+
+    def base_url
+      BASE_URLS[environment.to_sym]
+    end
+
+    def auth_url
+      AUTH_URLS[environment.to_sym]
+    end
+  end
+end

data/lib/credit_gateway/errors.rb

@@ -0,0 +1,11 @@
+# frozen_string_literal: true
+
+module CreditGateway
+  class UnauthorizedError < StandardError; end
+
+  class GenericError < StandardError; end
+
+  class InvalidRequestError < StandardError; end
+
+  class NotFoundError < StandardError; end
+end

data/lib/credit_gateway/faraday_auth.rb

@@ -0,0 +1,33 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/authenticate'
+require 'credit_gateway/version'
+require 'credit_gateway/errors'
+
+module CreditGateway
+  class FaradayAuth < Faraday::Middleware
+    def initialize(app, client_id, client_secret, options = {})
+      super(app)
+      @client_id = client_id
+      @client_secret = client_secret
+      @options = options
+      @token = nil
+    end
+
+    def call(env)
+      @token ||= authenticate
+
+      env[:request_headers]['Authorization'] = "Bearer #{@token}"
+      env[:request_headers]['Content-Type'] = 'application/json'
+      env[:request_headers]['User-Agent'] = "finpoint/#{CreditGateway::VERSION}"
+
+      @app.call(env)
+    end
+
+    private
+
+    def authenticate
+      Authenticate.new.call(@client_id, @client_secret)
+    end
+  end
+end

data/lib/credit_gateway/financial_score_repository.rb

@@ -0,0 +1,16 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/full_score'
+
+module CreditGateway
+  class FinancialScoreRepository < BaseRepository
+    # Fetch financial score for given company
+    # identity - CreditGateway::Identity
+    def find(identity)
+      result = get('/score/financialscore', identity: identity)
+
+      FullScore.build(json: result.body)
+    end
+  end
+end

data/lib/credit_gateway/full_score.rb

@@ -0,0 +1,20 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+require 'credit_gateway/rating'
+
+module CreditGateway
+  class FullScore < BaseModel
+    attributes :frequency, :calculated, :full_score, :behavioral_score, :financial_score
+
+    def self.build(json:)
+      super.tap do |record|
+        record.full_score = Rating.build(json: (record.full_score || {}))
+        record.behavioral_score = Rating.build(json: (record.behavioral_score || {}))
+        record.financial_score = Rating.build(json: (record.financial_score || {}))
+        record.calculated = Time.parse(record.calculated) if record.calculated
+      end
+    end
+  end
+end

data/lib/credit_gateway/identity.rb

@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+module CreditGateway
+  Identity = Struct.new(:name, :number, keyword_init: true) do
+    def to_headers
+      { companyName: name, companyNumber: number }
+    end
+  end
+end

data/lib/credit_gateway/rating.rb

@@ -0,0 +1,10 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class Rating < BaseModel
+    attributes :p_d, :type, :class, :scale, :label, :description,
+               :implied_rating, :algorithm_version
+  end
+end

data/lib/credit_gateway/score_data_repository.rb

@@ -0,0 +1,17 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/score_data_response'
+
+module CreditGateway
+  class ScoreDataRepository < BaseRepository
+    # Submits bank data to prepare the report
+    # identity - CreditGateway::Identity
+    # bank_data_request - CreditGateway::BankDataRequest
+    def prepare(identity, bank_data_request)
+      res = post('/score/data/prepare', params: bank_data_request.as_json, identity: identity)
+
+      ScoreDataResponse.build(json: res.body)
+    end
+  end
+end

data/lib/credit_gateway/score_data_request.rb

@@ -0,0 +1,18 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+require 'credit_gateway/bank_data'
+
+module CreditGateway
+  class ScoreDataRequest < BaseModel
+    attributes :banks_account_data
+
+    def self.build(json:)
+      super.tap do |record|
+        record.banks_account_data = (record.banks_account_data || []).compact.map do |bad|
+          BankData.build(json: bad)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/score_data_response.rb

@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class ScoreDataResponse < BaseModel
+    attributes :token, :company_id
+  end
+end

data/lib/credit_gateway/transaction.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+require 'credit_gateway/amount'
+
+module CreditGateway
+  class Transaction < BaseModel
+    attributes :account_id, :transaction_id, :transaction_reference,
+               :amount, :credit_debit_indicator, :status, :transaction_information,
+               :booking_date_time, :value_date_time
+
+    def self.build(json:)
+      super.tap do |record|
+        record.amount = Amount.build(json: (record.amount || {}))
+        record.booking_date_time = Time.parse(record.booking_date_time) if record.booking_date_time
+        record.value_date_time = Time.parse(record.value_date_time) if record.value_date_time
+      end
+    end
+  end
+end

data/lib/credit_gateway/version.rb

@@ -0,0 +1,5 @@
+# frozen_string_literal: true
+
+module CreditGateway
+  VERSION = '0.1.0'
+end

metadata

@@ -0,0 +1,233 @@
+--- !ruby/object:Gem::Specification
+name: credit_gateway
+version: !ruby/object:Gem::Version
+  version: 0.1.0
+platform: ruby
+authors:
+- Finpoint
+autorequire:
+bindir: exe
+cert_chain: []
+date: 2021-05-14 00:00:00.000000000 Z
+dependencies:
+- !ruby/object:Gem::Dependency
+  name: faraday
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: faraday_middleware
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: faraday_middleware-multi_json
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: multi_json
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :runtime
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: bundler
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '2.2'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '2.2'
+- !ruby/object:Gem::Dependency
+  name: dotenv
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: pry
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: rake
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: rspec
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: vcr
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: webmock
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+description: CRIF CreditGateway client
+email:
+- nenad@finpoint.co.uk
+executables: []
+extensions: []
+extra_rdoc_files: []
+files:
+- ".gitignore"
+- ".rubocop.yml"
+- ".ruby-version"
+- Gemfile
+- Gemfile.lock
+- README.md
+- Rakefile
+- bin/console
+- bin/setup
+- credit_gateway.gemspec
+- lib/credit_gateway.rb
+- lib/credit_gateway/amount.rb
+- lib/credit_gateway/authenticate.rb
+- lib/credit_gateway/balance.rb
+- lib/credit_gateway/bank_account.rb
+- lib/credit_gateway/bank_account_scheme.rb
+- lib/credit_gateway/bank_data.rb
+- lib/credit_gateway/bank_data_request.rb
+- lib/credit_gateway/base_model.rb
+- lib/credit_gateway/base_repository.rb
+- lib/credit_gateway/behavioral_badge.rb
+- lib/credit_gateway/behavioral_score.rb
+- lib/credit_gateway/behavioral_score_repository.rb
+- lib/credit_gateway/camelizer_upper.rb
+- lib/credit_gateway/client.rb
+- lib/credit_gateway/configuration.rb
+- lib/credit_gateway/errors.rb
+- lib/credit_gateway/faraday_auth.rb
+- lib/credit_gateway/financial_score_repository.rb
+- lib/credit_gateway/full_score.rb
+- lib/credit_gateway/identity.rb
+- lib/credit_gateway/rating.rb
+- lib/credit_gateway/score_data_repository.rb
+- lib/credit_gateway/score_data_request.rb
+- lib/credit_gateway/score_data_response.rb
+- lib/credit_gateway/transaction.rb
+- lib/credit_gateway/version.rb
+homepage: https://www.finpoint.co.uk
+licenses: []
+metadata: {}
+post_install_message:
+rdoc_options: []
+require_paths:
+- lib
+required_ruby_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+required_rubygems_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+requirements: []
+rubygems_version: 3.2.11
+signing_key:
+specification_version: 4
+summary: CRIF CreditGateway client
+test_files: []