instant_quote 1.0.5

data/lib/instant_quote/decision_parsers/iwoca.rb

@@ -0,0 +1,112 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module DecisionParsers
+    # Example response:
+    #
+    # { data:
+    #   {
+    #     balance: {
+    #       principal: 0.0, interest: 0.0, product_fees: 0.0, other_fees: 0.0, total: 0.0
+    #     },
+    #     latest_approval_request: { status: "no_decision_possible" },
+    #     approval_requirements: [
+    #       { type: "cc", status: "required" },
+    #       { type: "bus_cc", status: "required" },
+    #       { type: "dir_guarantor", status: "required" },
+    #       { type: "enhanced_security_check", status: "pending" }
+    #     ],
+    #     funding_requirements: [
+    #       { status: "required", type: "fraud" },
+    #       { type: "docs", status: "required" },
+    #       { type: "enhanced_security_check", status: "pending" }
+    #     ]
+    #   }
+    # }
+    class Iwoca < DecisionParser
+      STATUSES = {
+        pending: 'pending',
+        approved: 'approved',
+        declined: 'declined',
+        no_decision: 'no_decision_possible',
+        not_defined: 'not_defined'
+      }.freeze
+
+      LOAN_STATES = {
+        ongoing: 'ongoing',
+        ended: 'ended',
+        topup: 'topup',
+        pending: 'pending',
+        overdue: 'overdue',
+        duetoday: 'duetoday'
+      }.freeze
+
+      # iwoca sends an extra "data" key, that is removed here, to avoid having to do data[:data]
+      # because  it's silly :)
+      def initialize(data = {})
+        @data = super
+        @data = @data[:data] || {}
+      end
+
+      def pending?
+        status == STATUSES[:not_defined]
+      end
+
+      def approved?
+        status == STATUSES[:approved]
+      end
+
+      def declined?
+        status == STATUSES[:declined]
+      end
+
+      def manual_review?
+        status == STATUSES[:pending]
+      end
+
+      def no_decision_possible?
+        status == STATUSES[:no_decision]
+      end
+
+      def loan_started?
+        data[:loan_status] == LOAN_STATES[:ongoing]
+      end
+
+      def amount
+        amount_approved = status_hash.dig(:approved, :max_credit) || 0
+
+        Money.new(amount_approved * 100).format
+      end
+
+      def credit_duration
+        status_hash.dig(:approved, :duration)
+      end
+
+      def credit_interval
+        status_hash.dig(:approved, :interval)
+      end
+
+      def monthly_interest_rate
+        rates = status_hash.dig(:approved, :rate_structures)
+
+        return 0 unless rates&.any?
+
+        rate_info = rates.first.dig(:rates)&.first
+
+        return 0 unless rate_info
+
+        rate_info.dig(:rate)
+      end
+
+      def status
+        status_hash.dig(:status) || STATUSES[:not_defined]
+      end
+
+      private
+
+      def status_hash
+        data.dig(:approval_status) || data.dig(:latest_approval_request) || {}
+      end
+    end
+  end
+end

data/lib/instant_quote/version.rb

@@ -0,0 +1,5 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  VERSION = '1.0.5'
+end

data/lib/instant_quote/webhooks/iwoca.rb

@@ -0,0 +1,77 @@
+# frozen_string_literal: true
+
+require 'active_support/concern'
+
+module InstantQuote
+  module Webhooks
+    # To be included in a Rails controller. More information about iwoca webhooks:
+    # https://developer.iwoca.co.uk/lending-api-v1/partner-webhook-url/partner-webhook-for-iwoca-events
+    module Iwoca
+      extend ActiveSupport::Concern
+
+      SIGNATURE_HEADER = 'X-IW-Signature'   # HMAC hex digest of the payload.
+      EVENT_TYPE_HEADER = 'X-IW-Event-Type' # The event type sent by iwoca.
+      EVENT_ID_HEADER = 'X-IW-Event-ID'     # The event id sent by iwoca.
+
+      class SignatureVerifyError < StandardError
+      end
+
+      def iwoca_event
+        # Dynamically calls the following methods:
+        # * handle_approval_status_changed
+        # * handle_instruct_payments
+        # * handle_customer_funded
+        if iwoca_verify_signature
+          return send("handle_#{iwoca_event_type}") if respond_to?("handle_#{iwoca_event_type}")
+
+          render json: iwoca_payload, status: 200
+        else
+          iwoca_verify_signature_error
+        end
+      rescue SignatureVerifyError => e
+        iwoca_verify_signature_error(e.message)
+      end
+
+      private
+
+      def iwoca_verify_signature
+        unless webhook_signature && iwoca_payload && iwoca_signature
+          raise SignatureVerifyError, "#{SIGNATURE_HEADER} header missing"
+        end
+
+        digest = OpenSSL::Digest.new('sha1')
+        hmac_digest = OpenSSL::HMAC.digest(digest, webhook_signature, iwoca_payload)
+        signature = "sha1=#{Base64.strict_encode64(hmac_digest)}"
+
+        Rack::Utils.secure_compare(signature, iwoca_signature)
+      end
+
+      def webhook_signature
+        @webhook_signature ||= ::Iwoca.configuration.webhook_signature
+      end
+
+      def iwoca_payload
+        @iwoca_payload ||= request.body.read
+      end
+
+      def iwoca_signature
+        request.headers[SIGNATURE_HEADER]
+      end
+
+      def iwoca_event_type
+        # Allowed Values: approval_status_changed, instruct_payments, customer_funded
+        request.headers[EVENT_TYPE_HEADER]
+      end
+
+      def iwoca_event_id
+        request.headers[EVENT_ID_HEADER]
+      end
+
+      def iwoca_verify_signature_error(message = "Wrong value in #{SIGNATURE_HEADER}")
+        return send(:iwoca_verification_error) if respond_to?(:iwoca_verification_error)
+
+        render json: { error: message }, status: :unauthorized
+      end
+    end
+  end
+end

data/lib/instant_quote.rb

@@ -0,0 +1,37 @@
+# frozen_string_literal: true
+
+require 'instant_quote/version'
+require 'instant_quote/adapter'
+require 'instant_quote/decision_parser'
+require 'instant_quote/connection_translator'
+require 'instant_quote/api_error'
+require 'instant_quote/adapter_finder'
+
+module InstantQuote
+  module_function
+
+  class AdapterError < StandardError
+  end
+
+  AVAILABLE_METHODS = %i[
+    get_link
+    get_quote
+    get_status
+    get_approval
+    additional_fields
+    parse_decision
+  ].freeze
+
+  # Creates the class methods to be used in the outside world:
+  # InstantQuote.get_link(connection)
+  # InstantQuote.get_quote(connection)
+  # InstantQuote.get_status(connection)
+  # InstantQuote.get_approval(connection)
+  # InstantQuote.additional_fields(connection)
+  # InstantQuote.parse_decision(connection)
+  AVAILABLE_METHODS.each do |method|
+    define_method(method) do |connection|
+      AdapterFinder.new(connection).send(method)
+    end
+  end
+end

metadata

@@ -0,0 +1,223 @@
+--- !ruby/object:Gem::Specification
+name: instant_quote
+version: !ruby/object:Gem::Version
+  version: 1.0.5
+platform: ruby
+authors:
+- rikas
+autorequire: 
+bindir: exe
+cert_chain: []
+date: 2020-03-02 00:00:00.000000000 Z
+dependencies:
+- !ruby/object:Gem::Dependency
+  name: bundler
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '2.0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '2.0'
+- !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-byebug
+  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: '10.0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '10.0'
+- !ruby/object:Gem::Dependency
+  name: rspec
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '3.0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '3.0'
+- !ruby/object:Gem::Dependency
+  name: rubocop
+  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: simplecov
+  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: activesupport
+  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: capital_on_tap
+  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: iwoca
+  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: money
+  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'
+description: Instant quote providers gem.
+email:
+- oterosantos@gmail.com
+executables: []
+extensions: []
+extra_rdoc_files: []
+files:
+- ".gitignore"
+- ".rspec"
+- ".rubocop.yml"
+- ".ruby-version"
+- ".travis.yml"
+- Gemfile
+- Gemfile.lock
+- README.md
+- Rakefile
+- bin/console
+- bin/setup
+- instant_quote.gemspec
+- lib/instant_quote.rb
+- lib/instant_quote/adapter.rb
+- lib/instant_quote/adapter_finder.rb
+- lib/instant_quote/adapters/capital_on_tap.rb
+- lib/instant_quote/adapters/iwoca.rb
+- lib/instant_quote/api_error.rb
+- lib/instant_quote/connection_translator.rb
+- lib/instant_quote/connection_translators/capital_on_tap.rb
+- lib/instant_quote/connection_translators/iwoca.rb
+- lib/instant_quote/decision_parser.rb
+- lib/instant_quote/decision_parsers/capital_on_tap.rb
+- lib/instant_quote/decision_parsers/iwoca.rb
+- lib/instant_quote/version.rb
+- lib/instant_quote/webhooks/iwoca.rb
+homepage: https://finpoint.co.uk
+licenses: []
+metadata:
+  homepage_uri: https://finpoint.co.uk
+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: 3.0.3
+signing_key: 
+specification_version: 4
+summary: Instant quote providers gem.
+test_files: []