instant_quote 1.0.5

data/lib/instant_quote/adapters/iwoca.rb

@@ -0,0 +1,104 @@
+# frozen_string_literal: true
+
+require 'iwoca'
+require 'instant_quote/decision_parsers/iwoca'
+
+module InstantQuote
+  module Adapters
+    class Iwoca < Adapter
+      additional_fields [
+        {
+          name: 'last_full_year_turnover',
+          label: 'Last full year turnover',
+          required: true,
+          type: 'money'
+        },
+        {
+          name: 'applicant_date_of_birth',
+          label: 'Applicant Date of Birth',
+          required: true,
+          type: 'date'
+        },
+        {
+          name: 'applicant_house_number',
+          label: 'Applicant house number',
+          required: true
+        },
+        {
+          name: 'applicant_address_line_1',
+          label: 'Applicant home address',
+          required: true
+        },
+        {
+          name: 'applicant_town',
+          label: 'Town',
+          required: true
+        },
+        {
+          name: 'applicant_postcode',
+          label: 'Postcode',
+          required: true
+        },
+        {
+          name: 'applicant_country',
+          label: 'Country',
+          type: 'country'
+        },
+        {
+          name: 'applicant_phone_number',
+          label: 'Applicant mobile number',
+          required: true
+        },
+        {
+          name: 'applicant_consent',
+          label: "I agree to iwoca running soft credit checks on my personal information with \
+            credit reference agencies. <b>This will not affect my credit score</b> - I understand \
+            that iwoca will do a full credit search if I take funding. I also agree to iwoca’s \
+            <a href='https://www.iwoca.co.uk/terms-of-use/' target='_blank'> \
+            Terms and Conditions</a> and \
+            <a href='https://www.iwoca.co.uk/privacy-policy/' target='_blank'>Privacy Policy</a>.",
+          required: true,
+          type: 'checkbox'
+        }
+      ]
+
+      # Creates the iwoca customer and returns the state key from the response.
+      def get_quote(params)
+        response = ::Iwoca::Quote.create_customer(params)
+
+        return response.data[:state_key] if response.success?
+
+        raise_error(response)
+      end
+
+      # Get the current status for the created customer.
+      def get_status(state_key)
+        response = ::Iwoca::Quote.credit_facility_status(state_key)
+
+        return response.data if response.success?
+
+        raise_error(response)
+      end
+
+      # Gets the URL for the given state key.
+      def get_link(state_key)
+        response = ::Iwoca::Quote.login_link(state_key)
+
+        return response.data[:login_link] if response.success?
+
+        raise_error(response)
+      end
+
+      def get_approval(state_key)
+        response = ::Iwoca::Quote.approval(state_key)
+        response.success?
+      end
+
+      private
+
+      def raise_error(response)
+        raise ApiError.new(data: response.data, error: response.errors.first[:detail])
+      end
+    end
+  end
+end

data/lib/instant_quote/api_error.rb

@@ -0,0 +1,18 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  class ApiError < StandardError
+    attr_accessor :error, :data
+
+    alias message error
+    alias to_s error
+
+    def initialize(params = {})
+      @error = params[:error]
+      @data = params[:data] || {}
+
+      # Delete the metaData key, because it's irrelevant and has long strings
+      @data.delete(:metaData) if @data.key?(:metaData)
+    end
+  end
+end

data/lib/instant_quote/connection_translator.rb

@@ -0,0 +1,20 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  class ConnectionTranslator
+    attr_accessor :application, :extra_info
+
+    def self.translate(connection)
+      new(connection).translate
+    end
+
+    def initialize(connection)
+      @application = connection.finance_application
+      @extra_info = connection.extra_info
+    end
+
+    def translate
+      raise NotImplementedError, "You must implement '#{self.class.name}#translate'"
+    end
+  end
+end

data/lib/instant_quote/connection_translators/capital_on_tap.rb

@@ -0,0 +1,79 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module ConnectionTranslators
+    class CapitalOnTap < ConnectionTranslator
+      DEFAULT_SALUTATION = 'Mr'
+
+      # rubocop:disable Metrics/AbcSize
+      def translate
+        {
+          Salutation: app_user.salutation || DEFAULT_SALUTATION,
+          FirstName: app_user.first_name,
+          LastName: app_user.last_name,
+          DateOfBirth: extra_info['date_of_birth'],
+          MobilePhone: extra_info['applicant_phone_number'],
+          EmailAddress: app_user.email,
+          PersonalAddress: translate_address,
+          TradingName: app_org.name,
+          BusinessLegalName: app_org.name,
+          BusinessLandline: extra_info['business_landline'],
+          YearsTrading: app_org.years_in_business,
+          MonthlyTurnOver: translate_turnover,
+          BusinessType: translate_business_type,
+          BusinessAddress: translate_address,
+          RegistrationNumber: app_org.company_number
+        }
+      end
+      # rubocop:enable Metrics/AbcSize
+
+      private
+
+      def app_user
+        application.primary_user
+      end
+
+      def app_org
+        application.borrower_organisation
+      end
+
+      def translate_address
+        addr = app_org.address
+
+        return '' unless addr.present?
+
+        street_parts = [addr.line_1, addr.line_2, addr.line_3, addr.line_4]
+
+        {
+          CountryCode: 'UK',
+          Street: street_parts.compact.reject(&:empty?).join(', '),
+          PostCode: addr.postcode,
+          City: addr.town
+        }
+      end
+
+      # Since in Finpoint the user selects an intervel (i.e. "500,000 - 999,999"). We get the avg
+      # on this interval and use that number as the monthly turnover.
+      def translate_turnover
+        turnover = app_org.turnover_range
+
+        ((turnover.from + turnover.to) / 2 / 100).ceil
+      end
+
+      def translate_business_type
+        name = app_org.company_type.name
+
+        case name
+        when /Sole/
+          'SoleTrader'
+        when /(LLP)/
+          'LimitedLiabilityPartnership'
+        when /(LTD)/
+          'LimitedCompany'
+        else
+          'Partnership'
+        end
+      end
+    end
+  end
+end

data/lib/instant_quote/connection_translators/iwoca.rb

@@ -0,0 +1,151 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module ConnectionTranslators
+    class Iwoca < ConnectionTranslator
+      def translate
+        {
+          data: {
+            application: {
+              company: company_information,
+              people: [person_information],
+              requested_products: {
+                credit_facility: {
+                  approval: {
+                    amount: (application.amount_pennies / 100),
+                    duration: 12,
+                    detailed_purpose: application&.proceeds_purpose&.name
+                  }
+                }
+              }
+            }
+          }
+        }
+      end
+
+      private
+
+      # rubocop:disable Metrics/AbcSize
+      def company_information
+        information = {
+          registered_company_name: company.name,
+          industry: company.industry.name,
+          company_number: company.company_number.to_s,
+          type: company_type_translated,
+          trading_from_date: company.business_starting_date,
+          registered_address: company_address,
+          vat_status: {
+            is_vat_registered: company.vat_registered
+          }
+        }
+
+        if company_type_translated == 'sole_trader'
+          information.merge(
+            last_12_months_profit: {
+              amount: extra_info['last_full_year_turnover'].to_f
+            }
+          )
+        else
+          information.merge(
+            last_12_months_turnover: {
+              amount: extra_info['last_full_year_turnover'].to_f
+            }
+          )
+        end
+      end
+      # rubocop:enable Metrics/AbcSize
+
+      def company_type_translated
+        case company.company_type.name
+        when 'Limited Company (LTD)'
+          'limited_liability_company'
+        when 'Limited Partnership and Limited Liability Partnership (LLP)'
+          'limited_liability_partnership'
+        when 'Public Limited Company (PLC)'
+          'public_limited_company'
+        when 'Sole Trader'
+          'sole_trader'
+        else
+          'other'
+        end
+      end
+
+      def company
+        application.borrower_organisation
+      end
+
+      # rubocop:disable Metrics/AbcSize
+      def company_address
+        {
+          postcode: company.address.postcode,
+          street_line_1: company.address.line_1,
+          street_line_2: company.address.line_2 || '',
+          town: company.address.town,
+          country: company.address.country
+        }
+      end
+      # rubocop:enable Metrics/AbcSize
+
+      def person_information
+        {
+          uid: SecureRandom.uuid,
+          first_name: application.primary_user.first_name,
+          last_name: application.primary_user.last_name,
+          date_of_birth: extra_info['applicant_date_of_birth'],
+          roles: %w[applicant shareholder guarantor director],
+          phones: [person_phone],
+          emails: [person_email],
+          residential_addresses: [person_residential_address],
+          privacy_policy: {
+            agreed: true,
+            datetime: DateTime.current
+          }
+        }
+      end
+
+      def person_phone
+        {
+          uid: SecureRandom.uuid,
+          number: extra_info['applicant_phone_number'],
+          type: 'primary'
+        }
+      end
+
+      def person_email
+        {
+          uid: SecureRandom.uuid,
+          email: application&.primary_user&.email,
+          type: 'primary'
+        }
+      end
+
+      def person_residential_address
+        {
+          uid: SecureRandom.uuid,
+          town: extra_info['applicant_town'],
+          street_line_1: extra_info['applicant_address_line_1'],
+          street_line_2: extra_info['applicant_address_line_2'] || '',
+          country: extra_info['applicant_country'],
+          postcode: extra_info['applicant_postcode'],
+          house_number: extra_info['applicant_house_number'],
+          residential_status: home_owning_translated
+        }
+      end
+
+      def home_owning_translated
+        case company.directors_home_owning.name
+        when 'Home owner without mortgage'
+          'owner_no_mortgage'
+        when 'Tenant'
+          'tenant'
+        when 'Home owner with mortgage'
+          'owner_with_mortgage'
+        when 'Living rent free with family'
+          'rent_free'
+        else
+          ''
+        end
+      end
+    end
+  end
+end

data/lib/instant_quote/decision_parser.rb

@@ -0,0 +1,44 @@
+# frozen_string_literal: true
+
+require 'active_support/core_ext/hash/indifferent_access'
+
+module InstantQuote
+  # This is the class responsible for parsing the decision that is provided by every different
+  # provider. You should inherit from this class in every specific parser (for the different
+  # providers).
+  class DecisionParser
+    attr_reader :data
+
+    def initialize(data = {})
+      @data = ActiveSupport::HashWithIndifferentAccess.new(data)
+    end
+
+    def pending?
+      false
+    end
+
+    def approved?
+      false
+    end
+
+    def declined?
+      false
+    end
+
+    def manual_review?
+      false
+    end
+
+    def no_decision_possible?
+      false
+    end
+
+    def loan_started?
+      false
+    end
+
+    def status
+      raise NotImplementedError, "You must implement '#{self.class}.status'"
+    end
+  end
+end

data/lib/instant_quote/decision_parsers/capital_on_tap.rb

@@ -0,0 +1,65 @@
+# frozen_string_literal: true
+
+require 'money'
+
+module InstantQuote
+  module DecisionParsers
+    class CapitalOnTap < DecisionParser
+      STATUSES = {
+        pending: 'Pending',
+        approved: 'Approved',
+        declined: 'Declined',
+        could_not_submit: 'CouldNotSubmit' # this is our own status
+      }.freeze
+
+      def initialize(data = {})
+        @data = super
+        @data.delete(:metaData) # remove useless information
+      end
+
+      def pending?
+        status == STATUSES[:pending]
+      end
+
+      def approved?
+        status == STATUSES[:approved]
+      end
+
+      def declined?
+        status == STATUSES[:declined]
+      end
+
+      def amount
+        Money.new(credit_decision[:approvalAmount].to_f * 1000).format
+      end
+
+      def monthly_interest_rate
+        credit_decision[:monthlyInterestRate] || 0.0
+      end
+
+      def monthly_card_interest_rate
+        credit_decision[:monthlyCardInterestRate] || 0.0
+      end
+
+      def status
+        credit_decision.dig(:status) || STATUSES[:could_not_submit]
+      end
+
+      # The applicationStage can be one of the following:
+      #
+      # Undetermined, AppSubmitted, Referred, KybSoleTrader, KybPartner, IncompleteInfo,
+      # FinancialsOverdue, Declined, Duplicate, IdVerificationRequired, ReferredAfterUpdate,
+      # ApprovedCredit, ApprovedPrepaid, DdSetup, AddOnSelection, DoneHavFailed,
+      # DoneIdVerificationRequired, Done, Portal
+      def stage
+        data.dig(:applicationStage) || {}
+      end
+
+      private
+
+      def credit_decision
+        data.dig(:creditDecision) || {}
+      end
+    end
+  end
+end