instant_quote 1.1.6 → 1.4.0
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- checksums.yaml +4 -4
- data/.ruby-version +1 -1
- data/Gemfile +1 -0
- data/Gemfile.lock +18 -11
- data/instant_quote.gemspec +1 -0
- data/lib/instant_quote/adapter_finder.rb +11 -8
- data/lib/instant_quote/adapters/capital_on_tap.rb +32 -7
- data/lib/instant_quote/adapters/iwoca.rb +5 -1
- data/lib/instant_quote/adapters/iwoca_cbils.rb +19 -0
- data/lib/instant_quote/adapters/optimum.rb +144 -0
- data/lib/instant_quote/api_error.rb +1 -1
- data/lib/instant_quote/connection_translators/capital_on_tap.rb +99 -3
- data/lib/instant_quote/connection_translators/iwoca.rb +5 -1
- data/lib/instant_quote/connection_translators/iwoca_cbils.rb +15 -0
- data/lib/instant_quote/connection_translators/optimum.rb +39 -0
- data/lib/instant_quote/decision_parsers/iwoca_cbils.rb +10 -0
- data/lib/instant_quote/decision_parsers/optimum.rb +88 -0
- data/lib/instant_quote/version.rb +1 -1
- data/lib/instant_quote/webhooks/iwoca.rb +4 -20
- metadata +22 -2
checksums.yaml
CHANGED
@@ -1,7 +1,7 @@
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1
1
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---
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2
2
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SHA256:
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3
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-
metadata.gz:
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4
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-
data.tar.gz:
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3
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+
metadata.gz: 40981c76f383ff34163f212e6b9f32a58d2281426ee40fc872b1f38102e24754
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4
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+
data.tar.gz: 227f3b25eec82494a383ad796f09b0dda5ad9b1472d93c1ba6e2728855529c59
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5
5
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SHA512:
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6
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-
metadata.gz:
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7
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-
data.tar.gz:
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6
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+
metadata.gz: 860eb841f3405a3bf62c614551d0f663de38451956321ca2998d790381a365f42067f85d48bc32c90a689ed579e69d9167dbe32d9f2220292ad79a119227d730
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7
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+
data.tar.gz: f767ccde890f42dfc727e230c0fc02479d81bcf0e911a1b00d33e12ac7679edd244cfe41be7e6dc7c5ad292796dae85379962b5b0643b1aa646817c19499ec14
|
data/.ruby-version
CHANGED
@@ -1 +1 @@
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1
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-
2.6.
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1
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+
2.6.6
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data/Gemfile
CHANGED
data/Gemfile.lock
CHANGED
@@ -1,22 +1,23 @@
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1
1
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PATH
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2
2
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remote: .
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3
3
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specs:
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4
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-
instant_quote (1.
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4
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+
instant_quote (1.4.0)
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5
5
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activesupport
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6
6
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capital_on_tap
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7
7
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iwoca
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8
8
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money
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9
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+
optimum
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10
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phonelib
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11
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11
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GEM
|
12
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remote: https://rubygems.org/
|
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specs:
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14
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-
activesupport (6.0.
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+
activesupport (6.0.3.3)
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15
16
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concurrent-ruby (~> 1.0, >= 1.0.2)
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i18n (>= 0.7, < 2)
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minitest (~> 5.1)
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19
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tzinfo (~> 1.1)
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19
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-
zeitwerk (~> 2.2)
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+
zeitwerk (~> 2.2, >= 2.2.2)
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21
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addressable (2.7.0)
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21
22
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public_suffix (>= 2.0.2, < 5.0)
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ast (2.4.0)
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@@ -28,7 +29,7 @@ GEM
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multi_json
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rainbow
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coderay (1.1.2)
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-
concurrent-ruby (1.1.
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32
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+
concurrent-ruby (1.1.7)
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33
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crack (0.4.3)
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safe_yaml (~> 1.0.0)
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34
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diff-lcs (1.3)
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@@ -39,7 +40,7 @@ GEM
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faraday_middleware (1.0.0)
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faraday (~> 1.0)
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hashdiff (1.0.1)
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42
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-
i18n (1.8.
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+
i18n (1.8.5)
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concurrent-ruby (~> 1.0)
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iwoca (1.0.0)
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addressable
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@@ -49,15 +50,21 @@ GEM
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rainbow
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50
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jaro_winkler (1.5.4)
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51
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method_source (1.0.0)
|
52
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-
minitest (5.14.
|
53
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-
money (6.13.
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53
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+
minitest (5.14.2)
|
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+
money (6.13.8)
|
54
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i18n (>= 0.6.4, <= 2)
|
55
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-
multi_json (1.
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56
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+
multi_json (1.15.0)
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multipart-post (2.1.1)
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+
optimum (1.0.0)
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+
addressable
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+
faraday
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+
faraday_middleware
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multi_json
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rainbow
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parallel (1.19.1)
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parser (2.7.0.5)
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ast (~> 2.4.0)
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60
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-
phonelib (0.6.
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+
phonelib (0.6.45)
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pry (0.13.0)
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coderay (~> 1.1)
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method_source (~> 1.0)
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@@ -103,7 +110,7 @@ GEM
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addressable (>= 2.3.6)
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crack (>= 0.3.2)
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hashdiff (>= 0.4.0, < 2.0.0)
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-
zeitwerk (2.
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+
zeitwerk (2.4.0)
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PLATFORMS
|
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ruby
|
@@ -120,4 +127,4 @@ DEPENDENCIES
|
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webmock
|
121
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|
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BUNDLED WITH
|
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-
2.
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+
2.1.4
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data/instant_quote.gemspec
CHANGED
@@ -1,16 +1,19 @@
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1
1
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# frozen_string_literal: true
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2
2
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3
3
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# Require all the connection translators
|
4
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-
|
5
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-
|
4
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+
Dir.glob('*.rb', base: File.expand_path('connection_translators', __dir__)) do |translator|
|
5
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+
require "instant_quote/connection_translators/#{translator}"
|
6
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+
end
|
6
7
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|
7
8
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# Require all the decision parsers
|
8
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-
|
9
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-
|
9
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+
Dir.glob('*.rb', base: File.expand_path('decision_parsers', __dir__)) do |parser|
|
10
|
+
require "instant_quote/decision_parsers/#{parser}"
|
11
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+
end
|
10
12
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|
11
13
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# Require all the adapters
|
12
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-
|
13
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-
|
14
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+
Dir.glob('*.rb', base: File.expand_path('adapters', __dir__)) do |adapter|
|
15
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+
require "instant_quote/adapters/#{adapter}"
|
16
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+
end
|
14
17
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|
15
18
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module InstantQuote
|
16
19
|
class AdapterFinder
|
@@ -28,8 +31,8 @@ module InstantQuote
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|
28
31
|
end
|
29
32
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|
30
33
|
def self.available_adapters
|
31
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-
|
32
|
-
|
34
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+
Dir.glob('*.rb', base: File.expand_path('adapters', __dir__))
|
35
|
+
.map { |adapter| adapter.sub('.rb', '') }
|
33
36
|
end
|
34
37
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|
35
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def get_link
|
@@ -25,7 +25,7 @@ module InstantQuote
|
|
25
25
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},
|
26
26
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{
|
27
27
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name: 'monthly_income',
|
28
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-
label: '
|
28
|
+
label: 'Applicant monthly income',
|
29
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type: 'number',
|
30
30
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required: true,
|
31
31
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if: ->(app) { app.borrower_organisation.sole_trader? }
|
@@ -37,6 +37,31 @@ module InstantQuote
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|
37
37
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required: true,
|
38
38
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if: ->(app) { app.borrower_organisation.sole_trader? }
|
39
39
|
},
|
40
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+
{
|
41
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+
name: 'turnover_percentage_after_feb_2020',
|
42
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+
label: 'When compared to before COVID-19, what is your current turnover level?',
|
43
|
+
required: true,
|
44
|
+
choices: {
|
45
|
+
'Greater than before (>100%)' => 'GreaterThanHundredPercentage',
|
46
|
+
'Marginally reduced (80-100%)' => 'LessThanOrEqualToHunderdPercentage',
|
47
|
+
'Reduced (60-79%)' => 'LessThanSeventyNinePercentage',
|
48
|
+
'Halved (40-59%)' => 'LessThanFiftyNinePercentage',
|
49
|
+
'Less than half (20-39%)' => 'LessThanThirtyNinePercentage',
|
50
|
+
'Severely reduced or no turnover (<20%)' => 'LessThanTwentyPercentage'
|
51
|
+
},
|
52
|
+
type: 'select'
|
53
|
+
},
|
54
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+
{
|
55
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+
name: 'preferred_monthly_repayment_option',
|
56
|
+
label: 'What is your preferred monthly repayment option?',
|
57
|
+
required: true,
|
58
|
+
choices: [
|
59
|
+
'Minimum Amount Required',
|
60
|
+
'Full Balance',
|
61
|
+
'Fixed Amount'
|
62
|
+
],
|
63
|
+
type: 'select'
|
64
|
+
},
|
40
65
|
{
|
41
66
|
name: 'applicant_consent',
|
42
67
|
label: 'Yes, I give my consent for my data to be shared',
|
@@ -57,17 +82,17 @@ module InstantQuote
|
|
57
82
|
|
58
83
|
# Get the status for a given application ID
|
59
84
|
# {:applicationStatus=>
|
60
|
-
# {:locatorId=>
|
61
|
-
# :applicationStage=>
|
85
|
+
# {:locatorId=>'B247T62',
|
86
|
+
# :applicationStage=>'AppSubmitted',
|
62
87
|
# :creditDecision=>
|
63
|
-
# {:status=>
|
88
|
+
# {:status=>'Pending',
|
64
89
|
# :starRating=>0.0,
|
65
90
|
# :approvalAmount=>0.0,
|
66
91
|
# :monthlyInterestRate=>0.0,
|
67
92
|
# :monthlyCardInterestRate=>0.0,
|
68
|
-
# :decisionDate=>
|
69
|
-
# :creditDecisionReason=>
|
70
|
-
# :links=>{:self=>
|
93
|
+
# :decisionDate=>'2020-01-28T01:44:29.241',
|
94
|
+
# :creditDecisionReason=>'None'}},
|
95
|
+
# :links=>{:self=>'/api/v1/Applications/B247T62', :parent=>nil},
|
71
96
|
# :metaData=>{}
|
72
97
|
# }
|
73
98
|
def get_status(application_id)
|
@@ -77,7 +77,7 @@ module InstantQuote
|
|
77
77
|
|
78
78
|
raise_error(response) unless response.success?
|
79
79
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|
80
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-
|
80
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+
decision_parser.new(response.body)
|
81
81
|
end
|
82
82
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83
83
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# Gets the URL for the given state key.
|
@@ -96,6 +96,10 @@ module InstantQuote
|
|
96
96
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|
97
97
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private
|
98
98
|
|
99
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+
def decision_parser
|
100
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+
DecisionParsers::Iwoca
|
101
|
+
end
|
102
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+
|
99
103
|
def raise_error(response)
|
100
104
|
raise ApiError.new(
|
101
105
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adapter: 'iwoca',
|
@@ -0,0 +1,19 @@
|
|
1
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+
# frozen_string_literal: true
|
2
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+
|
3
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+
require 'iwoca'
|
4
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+
require 'instant_quote/adapters/iwoca'
|
5
|
+
require 'instant_quote/decision_parsers/iwoca_cbils'
|
6
|
+
|
7
|
+
module InstantQuote
|
8
|
+
module Adapters
|
9
|
+
class IwocaCbils < Iwoca
|
10
|
+
additional_fields Iwoca.additional_fields
|
11
|
+
|
12
|
+
private
|
13
|
+
|
14
|
+
def decision_parser
|
15
|
+
DecisionParsers::IwocaCbils
|
16
|
+
end
|
17
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+
end
|
18
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+
end
|
19
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+
end
|
@@ -0,0 +1,144 @@
|
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1
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+
# frozen_string_literal: true
|
2
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+
|
3
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+
require 'optimum'
|
4
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+
require 'instant_quote/decision_parsers/optimum'
|
5
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+
|
6
|
+
module InstantQuote
|
7
|
+
module Adapters
|
8
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+
class Optimum < Adapter
|
9
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+
additional_fields [
|
10
|
+
{
|
11
|
+
name: 'applicant_phone_number',
|
12
|
+
label: 'Applicant mobile phone',
|
13
|
+
required: true
|
14
|
+
},
|
15
|
+
{
|
16
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+
name: 'expected_turnover_next_12_months',
|
17
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+
label: 'Expected turnover next 12 months',
|
18
|
+
required: true,
|
19
|
+
type: 'money'
|
20
|
+
},
|
21
|
+
{
|
22
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+
name: 'expected_customers',
|
23
|
+
label: 'Number of expected customers with a balance in 6 months',
|
24
|
+
required: true,
|
25
|
+
type: 'number'
|
26
|
+
},
|
27
|
+
{
|
28
|
+
name: 'industry_sector',
|
29
|
+
label: 'Industry sector',
|
30
|
+
required: true,
|
31
|
+
type: 'select',
|
32
|
+
choices: [
|
33
|
+
'Advertising / Marketing',
|
34
|
+
'Beer / Wine Merchant',
|
35
|
+
'Builders Merchant',
|
36
|
+
'Clothing & Fashion',
|
37
|
+
'Computer Hardware',
|
38
|
+
'Computer Software',
|
39
|
+
'Construction',
|
40
|
+
'Consultancy',
|
41
|
+
'Contract Cleaning',
|
42
|
+
'Courier',
|
43
|
+
'Distribution',
|
44
|
+
'Driving Agency',
|
45
|
+
'Electrical Contracting',
|
46
|
+
'Electrical Wholesaler',
|
47
|
+
'Engineering - Heavy',
|
48
|
+
'Engineering - Light',
|
49
|
+
'Engineering - Precision',
|
50
|
+
'Fabrication',
|
51
|
+
'Flooring Contractor',
|
52
|
+
'Food Manufacture',
|
53
|
+
'Franchise',
|
54
|
+
'Free Newspaper',
|
55
|
+
'Freight Forwarding',
|
56
|
+
'Fruit Importer',
|
57
|
+
'Furniture Manufacture',
|
58
|
+
'Garden Equipment',
|
59
|
+
'Haulage',
|
60
|
+
'IT Contracting',
|
61
|
+
'Jewellery',
|
62
|
+
'Maintenance',
|
63
|
+
'Manufacturing',
|
64
|
+
'Meat Trade',
|
65
|
+
'Other Services',
|
66
|
+
'Permanent Recruitment',
|
67
|
+
'Plant Hire',
|
68
|
+
'Plastic Injection Moulding',
|
69
|
+
'Plumbers Merchant',
|
70
|
+
'Printing',
|
71
|
+
'Publishing',
|
72
|
+
'Recycling',
|
73
|
+
'Security Guards',
|
74
|
+
'Shopfitting',
|
75
|
+
'Stationery',
|
76
|
+
'Steel Stockholding',
|
77
|
+
'Telecoms',
|
78
|
+
'Temporary Recruitment',
|
79
|
+
'Timber Merchant',
|
80
|
+
'Tooling Manufacture',
|
81
|
+
'Toys & Fancy Goods',
|
82
|
+
'Warehousing & Storage',
|
83
|
+
'Wholesale'
|
84
|
+
]
|
85
|
+
},
|
86
|
+
{
|
87
|
+
name: 'credit_control',
|
88
|
+
label: 'Do you require credit control?',
|
89
|
+
required: false,
|
90
|
+
choices: {
|
91
|
+
'Yes' => '1',
|
92
|
+
'No' => '0'
|
93
|
+
},
|
94
|
+
type: 'radio'
|
95
|
+
},
|
96
|
+
{
|
97
|
+
name: 'applicant_consent',
|
98
|
+
label: 'Yes, I give my consent for my data to be shared',
|
99
|
+
required: true,
|
100
|
+
type: 'checkbox'
|
101
|
+
}
|
102
|
+
]
|
103
|
+
|
104
|
+
def get_quote(params)
|
105
|
+
response = ::Optimum::Decision.create(params)
|
106
|
+
|
107
|
+
return response.data[:opportunityId] if response.success?
|
108
|
+
|
109
|
+
raise_error(response)
|
110
|
+
end
|
111
|
+
|
112
|
+
def get_status(application_id)
|
113
|
+
response = ::Optimum::Decision.update(application_id)
|
114
|
+
|
115
|
+
raise_error(response) unless response.success?
|
116
|
+
|
117
|
+
decision_parser.new(response.body)
|
118
|
+
end
|
119
|
+
|
120
|
+
# Gets the URL for the given state key.
|
121
|
+
def get_link(_)
|
122
|
+
''
|
123
|
+
end
|
124
|
+
|
125
|
+
def get_approval(_)
|
126
|
+
true
|
127
|
+
end
|
128
|
+
|
129
|
+
private
|
130
|
+
|
131
|
+
def decision_parser
|
132
|
+
DecisionParsers::Optimum
|
133
|
+
end
|
134
|
+
|
135
|
+
def raise_error(response)
|
136
|
+
raise ApiError.new(
|
137
|
+
adapter: 'optimum',
|
138
|
+
data: response.body,
|
139
|
+
error: response.error || 'Unknown API error'
|
140
|
+
)
|
141
|
+
end
|
142
|
+
end
|
143
|
+
end
|
144
|
+
end
|
@@ -14,7 +14,7 @@ module InstantQuote
|
|
14
14
|
@code = params[:code]
|
15
15
|
|
16
16
|
# Delete the metaData key, because it's irrelevant and has long strings
|
17
|
-
@data.delete(:metaData) if @data.key?(:metaData)
|
17
|
+
@data.delete(:metaData) if @data.respond_to?(:key?) && @data.key?(:metaData)
|
18
18
|
end
|
19
19
|
end
|
20
20
|
end
|
@@ -6,6 +6,60 @@ module InstantQuote
|
|
6
6
|
module ConnectionTranslators
|
7
7
|
class CapitalOnTap < ConnectionTranslator
|
8
8
|
DEFAULT_SALUTATION = 'Mr'
|
9
|
+
LOAN_PURPOSE_MAPPING = {
|
10
|
+
'Apply for COVID-19 support/for other reasons' => 'General working capital requirements',
|
11
|
+
'Apply for COVID-19 support/to pay existing loans' => 'Repay Finances with another lender',
|
12
|
+
'Apply for COVID-19 support/to pay suppliers' => 'General working capital requirements',
|
13
|
+
'Apply for COVID-19 support/to protect jobs' => 'Payment of wages or rent',
|
14
|
+
'Apply for COVID-19 support/to refinance existing loans' => 'Repay Finances with another lender',
|
15
|
+
'Buy or develop property/buy the property my business already occupies' => '',
|
16
|
+
'Buy or develop property/buying a business that includes premises' => 'Acquisition of another business in the UK',
|
17
|
+
'Buy or develop property/buying a property for my business to move into' => '',
|
18
|
+
'Buy or develop property/develop residential or commercial premises' => 'Bridging loan',
|
19
|
+
'Buy or develop property/invest in a foreign property to rent it out' => '',
|
20
|
+
'Buy or develop property/invest in a holiday let' => '',
|
21
|
+
'Buy or develop property/invest in UK property' => 'Bridging loan',
|
22
|
+
'Buy or develop property/other property finance needs' => 'Bridging loan',
|
23
|
+
'Buy or refinance vehicle(s)/agricultural vehicle(s)' => 'General working capital requirements',
|
24
|
+
'Buy or refinance vehicle(s)/car(s)' => 'General working capital requirements',
|
25
|
+
'Buy or refinance vehicle(s)/caravan(s) & mobile home(s)' => 'General working capital requirements',
|
26
|
+
'Buy or refinance vehicle(s)/commercial vehicle(s)' => 'General working capital requirements',
|
27
|
+
'Buy or refinance vehicle(s)/fork lift truck(s)' => 'General working capital requirements',
|
28
|
+
'Buy or refinance vehicle(s)/other vehicle finance requirements' => 'General working capital requirements',
|
29
|
+
'Help with grants, tax credits and pension finance/for a research & development project' => 'Research and development activities',
|
30
|
+
'Help with grants, tax credits and pension finance/for green energy projects' => 'General working capital requirements',
|
31
|
+
'Help with grants, tax credits and pension finance/for projects with social impact' => 'General working capital requirements',
|
32
|
+
'Help with grants, tax credits and pension finance/other grant funding needs' => '',
|
33
|
+
'Help with grants, tax credits and pension finance/starting a business, incl. accelerator and incubator programs' => 'Start up costs',
|
34
|
+
'Help with grants, tax credits and pension finance/to fund skills and training initiatives' => 'General working capital requirements',
|
35
|
+
'Help with grants, tax credits and pension finance/utilise pensions to lend to a business' => '',
|
36
|
+
'Improve cashflow/borrow against monthly income from a credit card terminal' => '',
|
37
|
+
'Improve cashflow/finance overseas trading and exporting' => 'General working capital requirements',
|
38
|
+
'Improve cashflow/other cashflow requirements' => 'General working capital requirements',
|
39
|
+
'Improve cashflow/raise credit against agreed purchase orders' => 'General working capital requirements',
|
40
|
+
'Improve cashflow/release capital from pension fund(s)' => '',
|
41
|
+
'Improve cashflow/release cash from one unpaid invoice to another business' => 'General working capital requirements',
|
42
|
+
'Improve cashflow/release cash from several invoices to other businesses' => 'General working capital requirements',
|
43
|
+
'Improve cashflow/spread the cost of a large bill' => 'General working capital requirements',
|
44
|
+
'Invest in equipment or machinery/computers (hardware, software)' => 'Purchase of equipment/machinery/stock',
|
45
|
+
'Invest in equipment or machinery/equipment (office, printing, medical, etc.)' => 'Purchase of equipment/machinery/stock',
|
46
|
+
'Invest in equipment or machinery/furniture & furnishings' => 'Purchase of equipment/machinery/stock',
|
47
|
+
'Invest in equipment or machinery/machinery & tools' => 'Purchase of equipment/machinery/stock',
|
48
|
+
'Invest in equipment or machinery/other investment needs' => 'Purchase of licences,quotas or other entitlements to trade',
|
49
|
+
'Invest in equipment or machinery/phone & telecom systems' => 'Purchase of equipment/machinery/stock',
|
50
|
+
'Refinance an existing.../asset' => 'Repay Finances with another lender',
|
51
|
+
'Refinance an existing.../business loan' => 'Repay Finances with another lender',
|
52
|
+
'Refinance an existing.../commercial mortgage' => '',
|
53
|
+
'Refinance an existing.../other refinancing needs' => 'Repay Finances with another lender',
|
54
|
+
'Seeking investment/for a management buy-out' => 'Acquisition of another business in the UK',
|
55
|
+
'Seeking investment/other funding requirements' => 'General working capital requirements',
|
56
|
+
'Seeking investment/to launch a new B2B product or service' => 'Start up costs',
|
57
|
+
'Seeking investment/to launch a new consumer product or service' => 'Start up costs',
|
58
|
+
'Seeking investment/to purchase another business' => 'Acquisition of another business in the UK',
|
59
|
+
'Seeking investment/to reach more consumers with a proven product or service' => 'Expansion Activities in the UK',
|
60
|
+
'Seeking investment/to win more business clients with a proven product or service' => 'Expansion Activities in the UK',
|
61
|
+
'Seeking investment/venture builder, accelerator and incubator programs' => ''
|
62
|
+
}.freeze
|
9
63
|
|
10
64
|
# rubocop:disable Metrics/AbcSize
|
11
65
|
def translate
|
@@ -24,7 +78,8 @@ module InstantQuote
|
|
24
78
|
MonthlyTurnOver: translate_turnover,
|
25
79
|
BusinessType: translate_business_type,
|
26
80
|
BusinessAddress: translate_address,
|
27
|
-
RegistrationNumber: app_org.company_number
|
81
|
+
RegistrationNumber: app_org.company_number,
|
82
|
+
additionalQuestions: additional_questions
|
28
83
|
}
|
29
84
|
|
30
85
|
# If the borrower organisation is Sole Trader we need to merge two additional fields.
|
@@ -61,7 +116,7 @@ module InstantQuote
|
|
61
116
|
|
62
117
|
return '' unless addr && addr != ''
|
63
118
|
|
64
|
-
street_parts = [addr.line_1, addr.line_2
|
119
|
+
street_parts = [addr.line_1, addr.line_2]
|
65
120
|
|
66
121
|
{
|
67
122
|
CountryCode: 'UK',
|
@@ -71,7 +126,7 @@ module InstantQuote
|
|
71
126
|
}
|
72
127
|
end
|
73
128
|
|
74
|
-
# Since in Finpoint the user selects an intervel (i.e.
|
129
|
+
# Since in Finpoint the user selects an intervel (i.e. '500,000 - 999,999'). We get the avg
|
75
130
|
# on this interval and use that number as the monthly turnover.
|
76
131
|
def translate_turnover
|
77
132
|
turnover = app_org.turnover_range
|
@@ -93,6 +148,47 @@ module InstantQuote
|
|
93
148
|
'Partnership'
|
94
149
|
end
|
95
150
|
end
|
151
|
+
|
152
|
+
def additional_questions
|
153
|
+
[
|
154
|
+
loan_purpose_question,
|
155
|
+
preferred_monthly_repayment_option_question,
|
156
|
+
turnover_percentage_question
|
157
|
+
]
|
158
|
+
end
|
159
|
+
|
160
|
+
def loan_purpose_question
|
161
|
+
{
|
162
|
+
question: 'What is the purpose of the loan?',
|
163
|
+
answer: translate_loan_purpose,
|
164
|
+
questionType: '16'
|
165
|
+
}
|
166
|
+
end
|
167
|
+
|
168
|
+
def preferred_monthly_repayment_option_question
|
169
|
+
question_from_extra_info('preferred_monthly_repayment_option', '17')
|
170
|
+
end
|
171
|
+
|
172
|
+
def turnover_percentage_question
|
173
|
+
question_from_extra_info('turnover_percentage_after_feb_2020', '20')
|
174
|
+
end
|
175
|
+
|
176
|
+
def question_from_extra_info(name, question_type)
|
177
|
+
field = Adapters::CapitalOnTap.additional_fields.find do |f|
|
178
|
+
f[:name] == name
|
179
|
+
end
|
180
|
+
|
181
|
+
{ question: field[:label], answer: extra_info[field[:name]], questionType: question_type }
|
182
|
+
end
|
183
|
+
|
184
|
+
def translate_loan_purpose
|
185
|
+
proceeds_purpose = [
|
186
|
+
application.proceeds_purpose&.overview&.name,
|
187
|
+
application.proceeds_purpose&.name
|
188
|
+
].join('/')
|
189
|
+
|
190
|
+
LOAN_PURPOSE_MAPPING[proceeds_purpose]
|
191
|
+
end
|
96
192
|
end
|
97
193
|
end
|
98
194
|
end
|
@@ -10,7 +10,7 @@ module InstantQuote
|
|
10
10
|
company: company_information,
|
11
11
|
people: [person_information],
|
12
12
|
requested_products: {
|
13
|
-
|
13
|
+
product_name => {
|
14
14
|
approval: {
|
15
15
|
amount: (application.amount_pennies / 100),
|
16
16
|
duration: 12,
|
@@ -25,6 +25,10 @@ module InstantQuote
|
|
25
25
|
|
26
26
|
private
|
27
27
|
|
28
|
+
def product_name
|
29
|
+
:credit_facility
|
30
|
+
end
|
31
|
+
|
28
32
|
# rubocop:disable Metrics/AbcSize
|
29
33
|
def company_information
|
30
34
|
information = {
|
@@ -0,0 +1,39 @@
|
|
1
|
+
# frozen_string_literal: true
|
2
|
+
|
3
|
+
module InstantQuote
|
4
|
+
module ConnectionTranslators
|
5
|
+
class Optimum < ConnectionTranslator
|
6
|
+
def translate
|
7
|
+
{
|
8
|
+
companyNumber: company&.company_number.to_s,
|
9
|
+
sector: extra_info['industry_sector'],
|
10
|
+
turnover: extra_info['expected_turnover_next_12_months'].to_f,
|
11
|
+
homeowners: homeowners?,
|
12
|
+
yearsTrading: company&.years_in_business,
|
13
|
+
expectedCustomers: extra_info['expected_customers'].to_i,
|
14
|
+
contactName: application&.primary_user&.name,
|
15
|
+
contactNumber: extra_info['applicant_phone_number'],
|
16
|
+
contactEmail: application&.primary_user&.email,
|
17
|
+
creditControl: extra_info['credit_control'] == '1',
|
18
|
+
phoenix: false,
|
19
|
+
quotationOnly: false
|
20
|
+
}
|
21
|
+
end
|
22
|
+
|
23
|
+
private
|
24
|
+
|
25
|
+
def company
|
26
|
+
application.borrower_organisation
|
27
|
+
end
|
28
|
+
|
29
|
+
def homeowners?
|
30
|
+
case company&.directors_home_owning&.name
|
31
|
+
when 'Home owner without mortgage', 'Home owner with mortgage'
|
32
|
+
true
|
33
|
+
else
|
34
|
+
false
|
35
|
+
end
|
36
|
+
end
|
37
|
+
end
|
38
|
+
end
|
39
|
+
end
|
@@ -0,0 +1,88 @@
|
|
1
|
+
# frozen_string_literal: true
|
2
|
+
|
3
|
+
module InstantQuote
|
4
|
+
module DecisionParsers
|
5
|
+
# Example response:
|
6
|
+
#
|
7
|
+
# {
|
8
|
+
# decision: {
|
9
|
+
# decision: "approved",
|
10
|
+
# trialPeriodMonths: 4, # trial period length
|
11
|
+
# fundingLimit: 745000,
|
12
|
+
# annualRenewalFee: 0,
|
13
|
+
# badDebtProtection: 0.85,
|
14
|
+
# cashAvailableWithinHours: 48,
|
15
|
+
# discountFee: 3.35,
|
16
|
+
# facility: "Factoring", # Factoring or Invoice Discounting or Confidential Invoice Discounting
|
17
|
+
# prepayment: 80,
|
18
|
+
# serviceFee: 1.14
|
19
|
+
# },
|
20
|
+
# opportunityId: "01234567ABCDEFGH", # the Optimum Finance opportunity ID (only supplied for successful applications that are not 'quotation only')
|
21
|
+
# companyName: "COMPANY NAME LTD" # company name from the given company number - use this to verify correct company
|
22
|
+
# }
|
23
|
+
|
24
|
+
class Optimum < DecisionParser
|
25
|
+
STATUSES = {
|
26
|
+
approved: 'approved',
|
27
|
+
declined: 'declined',
|
28
|
+
referred: 'referred',
|
29
|
+
}.freeze
|
30
|
+
|
31
|
+
LOAN_STATES = {
|
32
|
+
started: 'Closed Won'
|
33
|
+
}.freeze
|
34
|
+
|
35
|
+
def initialize(data = {})
|
36
|
+
super
|
37
|
+
end
|
38
|
+
|
39
|
+
def pending?
|
40
|
+
!STATUSES.value?(status)
|
41
|
+
end
|
42
|
+
|
43
|
+
def approved?
|
44
|
+
status == STATUSES[:approved]
|
45
|
+
end
|
46
|
+
|
47
|
+
def declined?
|
48
|
+
status == STATUSES[:declined]
|
49
|
+
end
|
50
|
+
|
51
|
+
def manual_review?
|
52
|
+
status == STATUSES[:referred]
|
53
|
+
end
|
54
|
+
|
55
|
+
def loan_started?
|
56
|
+
data[:status] == LOAN_STATES[:started]
|
57
|
+
end
|
58
|
+
|
59
|
+
def amount
|
60
|
+
amount_approved = decision[:fundingLimit] || 0
|
61
|
+
|
62
|
+
Money.new(amount_approved * 100).format
|
63
|
+
end
|
64
|
+
|
65
|
+
def credit_duration
|
66
|
+
0
|
67
|
+
end
|
68
|
+
|
69
|
+
def credit_interval
|
70
|
+
decision[:trialPeriodMonths]
|
71
|
+
end
|
72
|
+
|
73
|
+
def monthly_interest_rate
|
74
|
+
0
|
75
|
+
end
|
76
|
+
|
77
|
+
def status
|
78
|
+
decision[:decision]
|
79
|
+
end
|
80
|
+
|
81
|
+
private
|
82
|
+
|
83
|
+
def decision
|
84
|
+
data[:decision] || data[:originalDecision] || {}
|
85
|
+
end
|
86
|
+
end
|
87
|
+
end
|
88
|
+
end
|
@@ -16,31 +16,15 @@ module InstantQuote
|
|
16
16
|
class SignatureVerifyError < StandardError
|
17
17
|
end
|
18
18
|
|
19
|
-
def iwoca_event
|
20
|
-
# Dynamically calls the following methods:
|
21
|
-
# * handle_approval_status_changed
|
22
|
-
# * handle_instruct_payments
|
23
|
-
# * handle_customer_funded
|
24
|
-
if iwoca_verify_signature
|
25
|
-
return send("handle_#{iwoca_event_type}") if respond_to?("handle_#{iwoca_event_type}")
|
26
|
-
|
27
|
-
render json: iwoca_payload, status: 200
|
28
|
-
else
|
29
|
-
iwoca_verify_signature_error
|
30
|
-
end
|
31
|
-
rescue SignatureVerifyError => e
|
32
|
-
iwoca_verify_signature_error(e.message)
|
33
|
-
end
|
34
|
-
|
35
19
|
private
|
36
20
|
|
37
21
|
def iwoca_verify_signature
|
38
|
-
unless webhook_signature &&
|
22
|
+
unless webhook_signature && payload && iwoca_signature
|
39
23
|
raise SignatureVerifyError, "#{SIGNATURE_HEADER} header missing"
|
40
24
|
end
|
41
25
|
|
42
26
|
digest = OpenSSL::Digest.new('sha1')
|
43
|
-
hmac_digest = OpenSSL::HMAC.digest(digest, webhook_signature,
|
27
|
+
hmac_digest = OpenSSL::HMAC.digest(digest, webhook_signature, payload)
|
44
28
|
signature = "sha1=#{Base64.strict_encode64(hmac_digest)}"
|
45
29
|
|
46
30
|
Rack::Utils.secure_compare(signature, iwoca_signature)
|
@@ -50,8 +34,8 @@ module InstantQuote
|
|
50
34
|
@webhook_signature ||= ::Iwoca.configuration.webhook_signature
|
51
35
|
end
|
52
36
|
|
53
|
-
def
|
54
|
-
@
|
37
|
+
def payload
|
38
|
+
@payload ||= request.body.read
|
55
39
|
end
|
56
40
|
|
57
41
|
def iwoca_signature
|
metadata
CHANGED
@@ -1,14 +1,14 @@
|
|
1
1
|
--- !ruby/object:Gem::Specification
|
2
2
|
name: instant_quote
|
3
3
|
version: !ruby/object:Gem::Version
|
4
|
-
version: 1.
|
4
|
+
version: 1.4.0
|
5
5
|
platform: ruby
|
6
6
|
authors:
|
7
7
|
- rikas
|
8
8
|
autorequire:
|
9
9
|
bindir: exe
|
10
10
|
cert_chain: []
|
11
|
-
date: 2020-
|
11
|
+
date: 2020-09-21 00:00:00.000000000 Z
|
12
12
|
dependencies:
|
13
13
|
- !ruby/object:Gem::Dependency
|
14
14
|
name: bundler
|
@@ -164,6 +164,20 @@ dependencies:
|
|
164
164
|
- - ">="
|
165
165
|
- !ruby/object:Gem::Version
|
166
166
|
version: '0'
|
167
|
+
- !ruby/object:Gem::Dependency
|
168
|
+
name: optimum
|
169
|
+
requirement: !ruby/object:Gem::Requirement
|
170
|
+
requirements:
|
171
|
+
- - ">="
|
172
|
+
- !ruby/object:Gem::Version
|
173
|
+
version: '0'
|
174
|
+
type: :runtime
|
175
|
+
prerelease: false
|
176
|
+
version_requirements: !ruby/object:Gem::Requirement
|
177
|
+
requirements:
|
178
|
+
- - ">="
|
179
|
+
- !ruby/object:Gem::Version
|
180
|
+
version: '0'
|
167
181
|
- !ruby/object:Gem::Dependency
|
168
182
|
name: money
|
169
183
|
requirement: !ruby/object:Gem::Requirement
|
@@ -216,13 +230,19 @@ files:
|
|
216
230
|
- lib/instant_quote/adapter_finder.rb
|
217
231
|
- lib/instant_quote/adapters/capital_on_tap.rb
|
218
232
|
- lib/instant_quote/adapters/iwoca.rb
|
233
|
+
- lib/instant_quote/adapters/iwoca_cbils.rb
|
234
|
+
- lib/instant_quote/adapters/optimum.rb
|
219
235
|
- lib/instant_quote/api_error.rb
|
220
236
|
- lib/instant_quote/connection_translator.rb
|
221
237
|
- lib/instant_quote/connection_translators/capital_on_tap.rb
|
222
238
|
- lib/instant_quote/connection_translators/iwoca.rb
|
239
|
+
- lib/instant_quote/connection_translators/iwoca_cbils.rb
|
240
|
+
- lib/instant_quote/connection_translators/optimum.rb
|
223
241
|
- lib/instant_quote/decision_parser.rb
|
224
242
|
- lib/instant_quote/decision_parsers/capital_on_tap.rb
|
225
243
|
- lib/instant_quote/decision_parsers/iwoca.rb
|
244
|
+
- lib/instant_quote/decision_parsers/iwoca_cbils.rb
|
245
|
+
- lib/instant_quote/decision_parsers/optimum.rb
|
226
246
|
- lib/instant_quote/version.rb
|
227
247
|
- lib/instant_quote/webhooks/iwoca.rb
|
228
248
|
homepage: https://finpoint.co.uk
|