credit_gateway 0.1.1 → 0.3.0

checksums.yaml

@@ -1,7 +1,7 @@
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+  data.tar.gz: b4948de2c3a8ddf854a18635c64f6af00fb10bbd92e91837f36f9a4fe81b3b9b
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+  metadata.gz: 427b05375218dbcbbda7d21bfc93894fd10606eb14ef67c0db215d3e1e5e11033e443bab26bbcddb41a31d0fae4285f5f9baa3a1f399ba68e6bf89f2a03541be
+  data.tar.gz: fe361e745ad10b9f34dcd2575371dc0ce5eb81d8c240ed2f58d1a5804be1753afccf1fdbc16602bfdb8eb417fbc64da71b6a9d6ba3b0af7cdfa5619112060383

data/Gemfile.lock

@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    credit_gateway (0.1.1)
+    credit_gateway (0.3.0)
       faraday
       faraday_middleware
       faraday_middleware-multi_json
@@ -17,16 +17,30 @@ GEM
       rexml
     diff-lcs (1.4.4)
     dotenv (2.7.6)
-    faraday (1.4.1)
+    faraday (1.10.0)
+      faraday-em_http (~> 1.0)
+      faraday-em_synchrony (~> 1.0)
       faraday-excon (~> 1.1)
+      faraday-httpclient (~> 1.0)
+      faraday-multipart (~> 1.0)
       faraday-net_http (~> 1.0)
-      faraday-net_http_persistent (~> 1.1)
-      multipart-post (>= 1.2, < 3)
+      faraday-net_http_persistent (~> 1.0)
+      faraday-patron (~> 1.0)
+      faraday-rack (~> 1.0)
+      faraday-retry (~> 1.0)
       ruby2_keywords (>= 0.0.4)
+    faraday-em_http (1.0.0)
+    faraday-em_synchrony (1.0.0)
     faraday-excon (1.1.0)
+    faraday-httpclient (1.0.1)
+    faraday-multipart (1.0.4)
+      multipart-post (~> 2)
     faraday-net_http (1.0.1)
-    faraday-net_http_persistent (1.1.0)
-    faraday_middleware (1.0.0)
+    faraday-net_http_persistent (1.2.0)
+    faraday-patron (1.0.0)
+    faraday-rack (1.0.0)
+    faraday-retry (1.0.3)
+    faraday_middleware (1.2.0)
       faraday (~> 1.0)
     faraday_middleware-multi_json (0.0.6)
       faraday_middleware
@@ -34,7 +48,7 @@ GEM
     hashdiff (1.0.1)
     method_source (1.0.0)
     multi_json (1.15.0)
-    multipart-post (2.1.1)
+    multipart-post (2.2.3)
     pry (0.13.1)
       coderay (~> 1.1)
       method_source (~> 1.0)
@@ -54,7 +68,7 @@ GEM
       diff-lcs (>= 1.2.0, < 2.0)
       rspec-support (~> 3.10.0)
     rspec-support (3.10.2)
-    ruby2_keywords (0.0.4)
+    ruby2_keywords (0.0.5)
     vcr (6.0.0)
     webmock (3.12.1)
       addressable (>= 2.3.6)
@@ -62,6 +76,7 @@ GEM
       hashdiff (>= 0.4.0, < 2.0.0)
 
 PLATFORMS
+  -darwin-21
   x86_64-darwin-19
   x86_64-linux
 
@@ -76,4 +91,4 @@ DEPENDENCIES
   webmock
 
 BUNDLED WITH
-   2.2.11
+   2.3.10

data/lib/credit_gateway/authenticate.rb

@@ -8,7 +8,7 @@ module CreditGateway
   class Authenticate
     def call(client_id, client_secret)
       response = post(
-        '/connect/token',
+        '/auth/connect/token',
         client_id: client_id,
         client_secret: client_secret,
         grant_type: 'client_credentials'

data/lib/credit_gateway/bank_connection.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class BankConnection < BaseModel
+    attributes :connection_id, :provider_id, :status, :creation_date_time, :status_update_date_time
+
+    def self.build(json:)
+      super.tap do |record|
+        if record.creation_date_time
+          record.creation_date_time = Time.parse(record.creation_date_time)
+        end
+        if record.status_update_date_time
+          record.status_update_date_time = Time.parse(record.status_update_date_time)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/bank_connection_params.rb

@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class BankConnectionParams < BaseModel
+    attributes :provider_id, :subject_ip, :subject_agent, :redirect_uri
+  end
+end

data/lib/credit_gateway/bank_repository.rb

@@ -0,0 +1,48 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/bank_subject'
+require 'credit_gateway/bank_connection'
+require 'credit_gateway/bank_connection_params'
+
+module CreditGateway
+  class BankRepository < BaseRepository
+    def create_subject(company_id)
+      result = post('/bank/subjects', params: { companyId: company_id })
+
+      BankSubject.build(json: result.body)
+    end
+
+    def lookup_subjects(company_id)
+      result = get('/bank/subjects', params: { companyId: company_id })
+
+      result.body.fetch(:data, []).map do |subject|
+        BankSubject.build(json: subject)
+      end
+    end
+
+    # connection_params - CreditGateway::BankConnectionParams
+    def create_connection(subject_id, connection_params:)
+      url = format_url(
+        '/bank/subjects/:subject_id/connections',
+        subject_id: subject_id.to_s
+      )
+      result = post(url, params: connection_params.as_json)
+
+      BankConnection.build(json: result.body)
+    end
+
+    # Submits bank data to prepare the report
+    # bank_data_request - CreditGateway::BankDataRequest
+    def upload_bank_data(subject_id, connection_id, bank_data_request)
+      url = format_url(
+        '/bank/subjects/:subject_id/connections/:connection_id/upload',
+        subject_id: subject_id.to_s,
+        connection_id: connection_id.to_s
+      )
+      post(url, params: bank_data_request.as_json)
+
+      true
+    end
+  end
+end

data/lib/credit_gateway/bank_subject.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class BankSubject < BaseModel
+    attributes :subject_id, :company_id, :status, :creation_date_time, :status_update_date_time
+
+    def self.build(json:)
+      super.tap do |record|
+        if record.creation_date_time
+          record.creation_date_time = Time.parse(record.creation_date_time)
+        end
+        if record.status_update_date_time
+          record.status_update_date_time = Time.parse(record.status_update_date_time)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/base_model.rb

@@ -1,7 +1,7 @@
 # frozen_string_literal: true
 
 require 'credit_gateway/errors'
-require 'credit_gateway/camelizer_upper'
+require 'credit_gateway/camelizer_lower'
 
 module CreditGateway
   class BaseModel
@@ -25,7 +25,7 @@ module CreditGateway
       end
 
       def key_transformer
-        CamelizerUpper
+        CamelizerLower
       end
 
       # Sets all the instance variables by reading the JSON from CreditGateway and converting the keys from

data/lib/credit_gateway/base_repository.rb

@@ -13,18 +13,16 @@ module CreditGateway
 
     attr_reader :client
 
-    def get(path, params: {}, identity: nil)
-      headers = identity ? identity.to_headers : {}
-      result = client.get(path.strip, headers: headers, params: params)
+    def get(path, params: {})
+      result = client.get(path.strip, 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)
+    def post(path, params: {})
+      result = client.post(path.strip, params: params)
 
       raise APIKeyError, result.body[:error] if result.status == 401
 

data/lib/credit_gateway/camelizer_lower.rb

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

data/lib/credit_gateway/client.rb

@@ -30,7 +30,8 @@ module CreditGateway
       @connection ||= Faraday.new(url: api_url) do |conn|
         conn.request :credit_gateway_auth,
                      CreditGateway.configuration.client_id,
-                     CreditGateway.configuration.client_secret
+                     CreditGateway.configuration.client_secret,
+                     CreditGateway.configuration.country
         conn.response :multi_json, symbolize_keys: true
         if CreditGateway.configuration.debug
           conn.response :logger, nil, { headers: true, bodies: CreditGateway.configuration.verbose }
@@ -48,18 +49,22 @@ module CreditGateway
 
       case response.status
       when 400
-        if response.body.dig(:Errors, 0, :ErrorCode) == 'Company.NotFound'
-          raise CompanyNotFoundError, response.body.dig(:Errors, 0, :ErrorMessage)
-        else
-          raise InvalidRequestError, response.body
-        end
+        handle_company_not_found(response.body, InvalidRequestError)
       when 401
         raise UnauthorizedError, response.body
       when 404
-        raise NotFoundError, response.body
+        handle_company_not_found(response.body, NotFoundError)
+      when 409
+        raise ConflictError, response.body
       else
         raise GenericError, "#{response.status}: #{response.body}"
       end
     end
+
+    def handle_company_not_found(body, alternative_exception)
+      raise CompanyNotFoundError, body.dig(0, :message) if body.dig(0, :code) == 'company_not_found'
+
+      raise alternative_exception, body
+    end
   end
 end

data/lib/credit_gateway/{score_data_response.rb → company.rb}

@@ -3,7 +3,7 @@
 require 'credit_gateway/base_model'
 
 module CreditGateway
-  class ScoreDataResponse < BaseModel
-    attributes :token, :company_id
+  class Company < BaseModel
+    attributes :id, :name, :number, :country, :type, :status
   end
 end

data/lib/credit_gateway/company_repository.rb

@@ -0,0 +1,16 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/company'
+
+module CreditGateway
+  class CompanyRepository < BaseRepository
+    # Params:
+    # document_token - Token retrieved from ScoreDataRepository#prepare
+    def find(name, number)
+      result = post('/companies', params: { name: name, number: number })
+
+      Company.build(json: result.body)
+    end
+  end
+end

data/lib/credit_gateway/configuration.rb

@@ -4,18 +4,19 @@ module CreditGateway
   class Configuration
     BASE_URLS = {
       production: 'https://api.connector.crifrealtime.com',
-      sandbox: 'https://apiuat.connector.crifrealtime.com'
+      sandbox: 'https://api-sandbox.connector.crifrealtime.com'
     }.freeze
     AUTH_URLS = {
-      production: 'https://auth.connector.crifrealtime.com',
-      sandbox: 'https://uatauth.connector.crifrealtime.com'
+      production: 'https://api.connector.crifrealtime.com',
+      sandbox: 'https://api-sandbox.connector.crifrealtime.com'
     }.freeze
 
-    attr_accessor :client_id, :client_secret, :environment, :debug, :verbose
+    attr_accessor :client_id, :client_secret, :country, :environment, :debug, :verbose
 
     def initialize
       @client_id = ''
       @client_secret = ''
+      @country = nil
       @environment = :sandbox # can be either :sandbox or :production
       @debug = false
       @verbose = false

data/lib/credit_gateway/errors.rb

@@ -10,4 +10,6 @@ module CreditGateway
   class NotFoundError < StandardError; end
 
   class CompanyNotFoundError < InvalidRequestError; end
+
+  class ConflictError < InvalidRequestError; end
 end

data/lib/credit_gateway/faraday_auth.rb

@@ -6,10 +6,11 @@ require 'credit_gateway/errors'
 
 module CreditGateway
   class FaradayAuth < Faraday::Middleware
-    def initialize(app, client_id, client_secret, options = {})
+    def initialize(app, client_id, client_secret, country, options = {})
       super(app)
       @client_id = client_id
       @client_secret = client_secret
+      @country = country
       @options = options
       @token = nil
     end
@@ -18,6 +19,7 @@ module CreditGateway
       @token ||= authenticate
 
       env[:request_headers]['Authorization'] = "Bearer #{@token}"
+      env[:request_headers]['X-Country'] = @country
       env[:request_headers]['Content-Type'] = 'application/json'
       env[:request_headers]['User-Agent'] = "finpoint/#{CreditGateway::VERSION}"
 

data/lib/credit_gateway/rating.rb

@@ -1,10 +1,16 @@
 # frozen_string_literal: true
 
 require 'credit_gateway/base_model'
+require 'credit_gateway/rating_metadata'
 
 module CreditGateway
   class Rating < BaseModel
-    attributes :p_d, :type, :class, :scale, :label, :description,
-               :implied_rating, :algorithm_version
+    attributes :score, :algorithm_type, :algorithm_version, :metadata
+
+    def self.build(json:)
+      super.tap do |record|
+        record.metadata = RatingMetadata.build(json: (record.metadata || {}))
+      end
+    end
   end
 end

data/lib/credit_gateway/rating_component.rb

@@ -0,0 +1,18 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+require 'credit_gateway/rating'
+require 'credit_gateway/rating_status'
+
+module CreditGateway
+  class RatingComponent < BaseModel
+    attributes :type, :ids, :rating, :confidence, :algorithm, :optional, :status, :additional_data
+
+    def self.build(json:)
+      super.tap do |record|
+        record.status = RatingStatus.build(json: (record.status || {}))
+        record.rating = Rating.build(json: (record.rating || {}))
+      end
+    end
+  end
+end

data/lib/credit_gateway/rating_metadata.rb

@@ -0,0 +1,16 @@
+# frozen_string_literal: true
+
+require 'time'
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class RatingMetadata < BaseModel
+    attributes :description, :class, :scale, :label, :implied_rating, :frequency, :created_at
+
+    def self.build(json:)
+      super.tap do |record|
+        record.created_at = Time.parse(record.created_at) if record.created_at
+      end
+    end
+  end
+end

data/lib/credit_gateway/rating_status.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+
+module CreditGateway
+  class RatingStatus < BaseModel
+    attributes :status, :description
+
+    def complete?
+      status == 'complete'
+    end
+
+    def pending?
+      status == 'pending'
+    end
+
+    def unprocessable?
+      status == 'unprocessable'
+    end
+  end
+end

data/lib/credit_gateway/score.rb

@@ -0,0 +1,22 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_model'
+require 'credit_gateway/rating'
+require 'credit_gateway/rating_status'
+require 'credit_gateway/rating_component'
+
+module CreditGateway
+  class Score < BaseModel
+    attributes :id, :company_id, :status, :rating, :components
+
+    def self.build(json:)
+      super.tap do |record|
+        record.status = RatingStatus.build(json: (record.status || {}))
+        record.rating = Rating.build(json: (record.rating || {}))
+        record.components = (record.components || []).map do |component|
+          RatingComponent.build(json: component)
+        end
+      end
+    end
+  end
+end

data/lib/credit_gateway/{behavioral_badge.rb → score_badge.rb}

@@ -1,9 +1,14 @@
 # frozen_string_literal: true
 
 require 'credit_gateway/base_model'
+require 'credit_gateway/camelizer_upper'
 
 module CreditGateway
-  class BehavioralBadge < BaseModel
+  class ScoreBadge < BaseModel
     attributes :badge_url, :badge_tiny_url, :badge_long_url, :upgrade_url
+
+    def self.key_transformer
+      CamelizerUpper
+    end
   end
 end

data/lib/credit_gateway/score_repository.rb

@@ -0,0 +1,31 @@
+# frozen_string_literal: true
+
+require 'credit_gateway/base_repository'
+require 'credit_gateway/score'
+require 'credit_gateway/score_badge'
+
+module CreditGateway
+  class ScoreRepository < BaseRepository
+    def fetch(company_id)
+      res = post('/score', params: { companyId: company_id })
+
+      Score.build(json: res.body)
+    end
+
+    def find(score_id)
+      res = get(format_url('/score/:id', { id: score_id }))
+
+      Score.build(json: res.body)
+    end
+
+    def badge(company_id)
+      url = format_url(
+        '/insights/data/badge/:company_id',
+        company_id: company_id.to_s
+      )
+      result = get(url)
+
+      ScoreBadge.build(json: result.body)
+    end
+  end
+end

data/lib/credit_gateway/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module CreditGateway
-  VERSION = '0.1.1'
+  VERSION = '0.3.0'
 end

data/lib/credit_gateway.rb

@@ -2,10 +2,9 @@
 
 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/company_repository'
+require 'credit_gateway/bank_repository'
+require 'credit_gateway/score_repository'
 require 'credit_gateway/bank_data_request'
 require 'credit_gateway/balance'
 require 'credit_gateway/bank_account'

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: credit_gateway
 version: !ruby/object:Gem::Version
-  version: 0.1.1
+  version: 0.3.0
 platform: ruby
 authors:
 - Finpoint
-autorequire:
+autorequire: 
 bindir: exe
 cert_chain: []
-date: 2021-05-17 00:00:00.000000000 Z
+date: 2022-06-29 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: faraday
@@ -187,31 +187,35 @@ files:
 - lib/credit_gateway/balance.rb
 - lib/credit_gateway/bank_account.rb
 - lib/credit_gateway/bank_account_scheme.rb
+- lib/credit_gateway/bank_connection.rb
+- lib/credit_gateway/bank_connection_params.rb
 - lib/credit_gateway/bank_data.rb
 - lib/credit_gateway/bank_data_request.rb
+- lib/credit_gateway/bank_repository.rb
+- lib/credit_gateway/bank_subject.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_lower.rb
 - lib/credit_gateway/camelizer_upper.rb
 - lib/credit_gateway/client.rb
+- lib/credit_gateway/company.rb
+- lib/credit_gateway/company_repository.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/rating_component.rb
+- lib/credit_gateway/rating_metadata.rb
+- lib/credit_gateway/rating_status.rb
+- lib/credit_gateway/score.rb
+- lib/credit_gateway/score_badge.rb
+- lib/credit_gateway/score_repository.rb
 - lib/credit_gateway/transaction.rb
 - lib/credit_gateway/version.rb
 homepage: https://www.finpoint.co.uk
 licenses: []
 metadata: {}
-post_install_message:
+post_install_message: 
 rdoc_options: []
 require_paths:
 - lib
@@ -226,8 +230,8 @@ required_rubygems_version: !ruby/object:Gem::Requirement
     - !ruby/object:Gem::Version
       version: '0'
 requirements: []
-rubygems_version: 3.2.11
-signing_key:
+rubygems_version: 3.0.3
+signing_key: 
 specification_version: 4
 summary: CRIF CreditGateway client
 test_files: []

data/lib/credit_gateway/behavioral_score.rb

@@ -1,21 +0,0 @@
-# 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

@@ -1,38 +0,0 @@
-# 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/financial_score_repository.rb

@@ -1,16 +0,0 @@
-# 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

@@ -1,20 +0,0 @@
-# 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

@@ -1,9 +0,0 @@
-# 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/score_data_repository.rb

@@ -1,17 +0,0 @@
-# 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

@@ -1,18 +0,0 @@
-# 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