instant_quote 1.1.8 → 1.2.0

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
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data/Gemfile CHANGED
@@ -6,6 +6,7 @@ source 'https://rubygems.org'
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  #
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  # gem 'capital_on_tap', path: '../capital-on-tap'
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  # gem 'iwoca', path: '../iwoca'
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+ # gem 'optimum', path: '../optimum'
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  # Specify your gem's dependencies in instant-quotes.gemspec
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  gemspec
@@ -1,11 +1,12 @@
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  PATH
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  remote: .
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  specs:
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- instant_quote (1.1.8)
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+ instant_quote (1.2.0)
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  activesupport
6
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  capital_on_tap
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  iwoca
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  money
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+ optimum
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  phonelib
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  GEM
@@ -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 (1.1.6)
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+ concurrent-ruby (1.1.7)
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  crack (0.4.3)
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  safe_yaml (~> 1.0.0)
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  diff-lcs (1.3)
@@ -49,15 +50,21 @@ GEM
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  rainbow
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  jaro_winkler (1.5.4)
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  method_source (1.0.0)
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- minitest (5.14.1)
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+ minitest (5.14.2)
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  money (6.13.8)
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  i18n (>= 0.6.4, <= 2)
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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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- phonelib (0.6.44)
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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)
@@ -38,6 +38,7 @@ Gem::Specification.new do |spec|
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  spec.add_dependency 'activesupport'
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  spec.add_dependency 'capital_on_tap'
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  spec.add_dependency 'iwoca'
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+ spec.add_dependency 'optimum'
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  spec.add_dependency 'money'
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  spec.add_dependency 'phonelib'
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  end
@@ -25,7 +25,7 @@ module InstantQuote
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  },
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  {
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  name: 'monthly_income',
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- label: 'Applicat monthly income',
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+ label: 'Applicant monthly income',
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  type: 'number',
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  required: true,
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  if: ->(app) { app.borrower_organisation.sole_trader? }
@@ -0,0 +1,144 @@
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+ # frozen_string_literal: true
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+
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+ require 'optimum'
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+ require 'instant_quote/decision_parsers/optimum'
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+
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+ module InstantQuote
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+ module Adapters
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+ class Optimum < Adapter
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+ additional_fields [
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+ {
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+ name: 'applicant_phone_number',
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+ label: 'Applicant mobile phone',
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+ required: true
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+ },
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+ {
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+ name: 'expected_turnover_next_12_months',
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+ label: 'Expected turnover next 12 months',
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+ required: true,
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+ type: 'money'
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+ },
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+ {
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+ name: 'expected_customers',
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+ label: 'Number of expected customers with a balance in 6 months',
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+ required: true,
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+ type: 'number'
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+ },
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+ {
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+ name: 'industry_sector',
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+ label: 'Industry sector',
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+ required: true,
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+ type: 'select',
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+ choices: [
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+ "Advertising / Marketing",
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+ "Beer / Wine Merchant",
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+ "Builders Merchant",
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+ "Clothing & Fashion",
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+ "Computer Hardware",
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+ "Computer Software",
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+ "Construction",
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+ "Consultancy",
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+ "Contract Cleaning",
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+ "Courier",
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+ "Distribution",
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+ "Driving Agency",
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+ "Electrical Contracting",
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+ "Electrical Wholesaler",
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+ "Engineering - Heavy",
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+ "Engineering - Light",
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+ "Engineering - Precision",
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+ "Fabrication",
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+ "Flooring Contractor",
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+ "Food Manufacture",
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+ "Franchise",
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+ "Free Newspaper",
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+ "Freight Forwarding",
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+ "Fruit Importer",
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+ "Furniture Manufacture",
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+ "Garden Equipment",
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+ "Haulage",
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+ "IT Contracting",
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+ "Jewellery",
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+ "Maintenance",
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+ "Manufacturing",
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+ "Meat Trade",
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+ "Other Services",
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+ "Permanent Recruitment",
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+ "Plant Hire",
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+ "Plastic Injection Moulding",
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+ "Plumbers Merchant",
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+ "Printing",
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+ "Publishing",
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+ "Recycling",
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+ "Security Guards",
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+ "Shopfitting",
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+ "Stationery",
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+ "Steel Stockholding",
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+ "Telecoms",
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+ "Temporary Recruitment",
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+ "Timber Merchant",
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+ "Tooling Manufacture",
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+ "Toys & Fancy Goods",
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+ "Warehousing & Storage",
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+ "Wholesale"
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+ ]
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+ },
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+ {
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+ name: 'credit_control',
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+ label: 'Do you require credit control?',
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+ required: false,
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+ choices: {
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+ '1' => 'Yes',
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+ '0' => 'No'
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+ },
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+ type: 'radio'
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+ },
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+ {
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+ name: 'applicant_consent',
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+ label: 'Yes, I give my consent for my data to be shared',
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+ required: true,
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+ type: 'checkbox'
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+ }
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+ ]
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+
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+ def get_quote(params)
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+ response = ::Optimum::Decision.create(params)
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+
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+ return response.data[:opportunityId] if response.success?
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+
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+ raise_error(response)
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+ end
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+
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+ def get_status(application_id)
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+ response = ::Optimum::Decision.update(application_id)
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+
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+ raise_error(response) unless response.success?
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+
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+ decision_parser.new(response.body)
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+ end
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+
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+ # Gets the URL for the given state key.
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+ def get_link(_)
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+ ''
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+ end
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+
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+ def get_approval(_)
126
+ true
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+ end
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+
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+ private
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+
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+ def decision_parser
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+ DecisionParsers::Optimum
133
+ end
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+
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+ def raise_error(response)
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+ raise ApiError.new(
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+ adapter: 'optimum',
138
+ data: response.body,
139
+ error: response.error || 'Unknown API error'
140
+ )
141
+ end
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+ end
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+ end
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+ end
@@ -14,7 +14,7 @@ module InstantQuote
14
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  @code = params[:code]
15
15
 
16
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  # Delete the metaData key, because it's irrelevant and has long strings
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- @data.delete(:metaData) if @data.key?(:metaData)
17
+ @data.delete(:metaData) if @data.respond_to?(:key?) && @data.key?(:metaData)
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18
  end
19
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  end
20
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  end
@@ -0,0 +1,39 @@
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+ # frozen_string_literal: true
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+
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+ module InstantQuote
4
+ module ConnectionTranslators
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+ class Optimum < ConnectionTranslator
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+ def translate
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+ {
8
+ companyNumber: company&.company_number.to_s,
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+ sector: extra_info['industry_sector'],
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+ turnover: extra_info['expected_turnover_next_12_months'].to_f,
11
+ homeowners: homeowners?,
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+ yearsTrading: company&.years_in_business,
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+ expectedCustomers: extra_info['expected_customers'].to_i,
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+ contactName: application&.primary_user&.name,
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+ contactNumber: extra_info['applicant_phone_number'],
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+ contactEmail: application&.primary_user&.email,
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+ creditControl: extra_info['credit_control'] == '1',
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+ phoenix: false,
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+ quotationOnly: false
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+ }
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+ end
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+
23
+ private
24
+
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+ def company
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+ application.borrower_organisation
27
+ end
28
+
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+ def homeowners?
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+ case company&.directors_home_owning&.name
31
+ when 'Home owner without mortgage', 'Home owner with mortgage'
32
+ true
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+ else
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+ false
35
+ end
36
+ end
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+ end
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+ end
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+ end
@@ -0,0 +1,88 @@
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+ # 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,
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+ # annualRenewalFee: 0,
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+ # badDebtProtection: 0.85,
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+ # cashAvailableWithinHours: 48,
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+ # discountFee: 3.35,
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+ # facility: "Factoring", # Factoring or Invoice Discounting or Confidential Invoice Discounting
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+ # prepayment: 80,
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+ # serviceFee: 1.14
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+ # },
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+ # opportunityId: "01234567ABCDEFGH", # the Optimum Finance opportunity ID (only supplied for successful applications that are not 'quotation only')
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+ # companyName: "COMPANY NAME LTD" # company name from the given company number - use this to verify correct company
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+ # }
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+
24
+ class Optimum < DecisionParser
25
+ STATUSES = {
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+ 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
@@ -1,5 +1,5 @@
1
1
  # frozen_string_literal: true
2
2
 
3
3
  module InstantQuote
4
- VERSION = '1.1.8'
4
+ VERSION = '1.2.0'
5
5
  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 && iwoca_payload && iwoca_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, iwoca_payload)
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 iwoca_payload
54
- @iwoca_payload ||= request.body.read
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: 1.1.8
4
+ version: 1.2.0
5
5
  platform: ruby
6
6
  authors:
7
7
  - rikas
8
8
  autorequire:
9
9
  bindir: exe
10
10
  cert_chain: []
11
- date: 2020-08-07 00:00:00.000000000 Z
11
+ date: 2020-09-11 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
@@ -217,15 +231,18 @@ files:
217
231
  - lib/instant_quote/adapters/capital_on_tap.rb
218
232
  - lib/instant_quote/adapters/iwoca.rb
219
233
  - lib/instant_quote/adapters/iwoca_cbils.rb
234
+ - lib/instant_quote/adapters/optimum.rb
220
235
  - lib/instant_quote/api_error.rb
221
236
  - lib/instant_quote/connection_translator.rb
222
237
  - lib/instant_quote/connection_translators/capital_on_tap.rb
223
238
  - lib/instant_quote/connection_translators/iwoca.rb
224
239
  - lib/instant_quote/connection_translators/iwoca_cbils.rb
240
+ - lib/instant_quote/connection_translators/optimum.rb
225
241
  - lib/instant_quote/decision_parser.rb
226
242
  - lib/instant_quote/decision_parsers/capital_on_tap.rb
227
243
  - lib/instant_quote/decision_parsers/iwoca.rb
228
244
  - lib/instant_quote/decision_parsers/iwoca_cbils.rb
245
+ - lib/instant_quote/decision_parsers/optimum.rb
229
246
  - lib/instant_quote/version.rb
230
247
  - lib/instant_quote/webhooks/iwoca.rb
231
248
  homepage: https://finpoint.co.uk