instant_quote 1.1.8 → 1.2.0
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- checksums.yaml +4 -4
- data/Gemfile +1 -0
- data/Gemfile.lock +11 -4
- data/instant_quote.gemspec +1 -0
- data/lib/instant_quote/adapters/capital_on_tap.rb +1 -1
- data/lib/instant_quote/adapters/optimum.rb +144 -0
- data/lib/instant_quote/api_error.rb +1 -1
- data/lib/instant_quote/connection_translators/optimum.rb +39 -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 +19 -2
checksums.yaml
CHANGED
@@ -1,7 +1,7 @@
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---
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SHA256:
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metadata.gz:
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data.tar.gz:
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metadata.gz: ec2e26453b0ed03e414feceb9e8344ff4d502d5f0962f7b509450608278c9b34
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data.tar.gz: 830639812afaf22a2f67059a6fb757fc6988e99121deca26ede7eba041738a6f
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SHA512:
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metadata.gz:
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data.tar.gz:
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metadata.gz: '0822f784c417f72c986a44ecaad692be2a53b227cf09c14a4bb7d7afe5b5db7dd3dd3d070952cc809b38f3c7cb0fe2168e0237629d5a7d70c26b24c71cf2d7f7'
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data.tar.gz: '069cc5595bae6a50601f73d4403be3bcaad28b51033beec08f0488a426a51d3f8911a1828c18b00e69ecfbf3d27f24f2b3e68bd00f05091af9e334f5a6bf9e26'
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data/Gemfile
CHANGED
data/Gemfile.lock
CHANGED
@@ -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.
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+
instant_quote (1.2.0)
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activesupport
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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
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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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+
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)
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@@ -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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52
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-
minitest (5.14.
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53
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+
minitest (5.14.2)
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53
54
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money (6.13.8)
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54
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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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60
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-
phonelib (0.6.
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phonelib (0.6.45)
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68
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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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data/instant_quote.gemspec
CHANGED
@@ -0,0 +1,144 @@
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1
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+
# frozen_string_literal: true
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2
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+
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3
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require 'optimum'
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4
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require 'instant_quote/decision_parsers/optimum'
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5
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+
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6
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module InstantQuote
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7
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module Adapters
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8
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+
class Optimum < Adapter
|
9
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additional_fields [
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10
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{
|
11
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+
name: 'applicant_phone_number',
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12
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label: 'Applicant mobile phone',
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13
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required: true
|
14
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+
},
|
15
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+
{
|
16
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name: 'expected_turnover_next_12_months',
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17
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label: 'Expected turnover next 12 months',
|
18
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required: true,
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type: 'money'
|
20
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+
},
|
21
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{
|
22
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+
name: 'expected_customers',
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23
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label: 'Number of expected customers with a balance in 6 months',
|
24
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+
required: true,
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type: 'number'
|
26
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+
},
|
27
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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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34
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+
"Beer / Wine Merchant",
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35
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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",
|
47
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+
"Engineering - Heavy",
|
48
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"Engineering - Light",
|
49
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"Engineering - Precision",
|
50
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"Fabrication",
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51
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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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60
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+
"IT Contracting",
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61
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+
"Jewellery",
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62
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+
"Maintenance",
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63
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+
"Manufacturing",
|
64
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+
"Meat Trade",
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65
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+
"Other Services",
|
66
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"Permanent Recruitment",
|
67
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+
"Plant Hire",
|
68
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"Plastic Injection Moulding",
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"Plumbers Merchant",
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70
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+
"Printing",
|
71
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+
"Publishing",
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72
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+
"Recycling",
|
73
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+
"Security Guards",
|
74
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+
"Shopfitting",
|
75
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+
"Stationery",
|
76
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+
"Steel Stockholding",
|
77
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+
"Telecoms",
|
78
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+
"Temporary Recruitment",
|
79
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+
"Timber Merchant",
|
80
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+
"Tooling Manufacture",
|
81
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+
"Toys & Fancy Goods",
|
82
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+
"Warehousing & Storage",
|
83
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+
"Wholesale"
|
84
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+
]
|
85
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+
},
|
86
|
+
{
|
87
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+
name: 'credit_control',
|
88
|
+
label: 'Do you require credit control?',
|
89
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+
required: false,
|
90
|
+
choices: {
|
91
|
+
'1' => 'Yes',
|
92
|
+
'0' => 'No'
|
93
|
+
},
|
94
|
+
type: 'radio'
|
95
|
+
},
|
96
|
+
{
|
97
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+
name: 'applicant_consent',
|
98
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+
label: 'Yes, I give my consent for my data to be shared',
|
99
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+
required: true,
|
100
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+
type: 'checkbox'
|
101
|
+
}
|
102
|
+
]
|
103
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+
|
104
|
+
def get_quote(params)
|
105
|
+
response = ::Optimum::Decision.create(params)
|
106
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+
|
107
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+
return response.data[:opportunityId] if response.success?
|
108
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+
|
109
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+
raise_error(response)
|
110
|
+
end
|
111
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+
|
112
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+
def get_status(application_id)
|
113
|
+
response = ::Optimum::Decision.update(application_id)
|
114
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+
|
115
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+
raise_error(response) unless response.success?
|
116
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+
|
117
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+
decision_parser.new(response.body)
|
118
|
+
end
|
119
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+
|
120
|
+
# Gets the URL for the given state key.
|
121
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+
def get_link(_)
|
122
|
+
''
|
123
|
+
end
|
124
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+
|
125
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+
def get_approval(_)
|
126
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+
true
|
127
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+
end
|
128
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+
|
129
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+
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
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+
data: response.body,
|
139
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+
error: response.error || 'Unknown API error'
|
140
|
+
)
|
141
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+
end
|
142
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+
end
|
143
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+
end
|
144
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+
end
|
@@ -14,7 +14,7 @@ module InstantQuote
|
|
14
14
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@code = params[:code]
|
15
15
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|
16
16
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# Delete the metaData key, because it's irrelevant and has long strings
|
17
|
-
@data.delete(:metaData) if @data.key?(:metaData)
|
17
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+
@data.delete(:metaData) if @data.respond_to?(:key?) && @data.key?(:metaData)
|
18
18
|
end
|
19
19
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end
|
20
20
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end
|
@@ -0,0 +1,39 @@
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1
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# frozen_string_literal: true
|
2
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+
|
3
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+
module InstantQuote
|
4
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+
module ConnectionTranslators
|
5
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+
class Optimum < ConnectionTranslator
|
6
|
+
def translate
|
7
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+
{
|
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
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+
homeowners: homeowners?,
|
12
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+
yearsTrading: company&.years_in_business,
|
13
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+
expectedCustomers: extra_info['expected_customers'].to_i,
|
14
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+
contactName: application&.primary_user&.name,
|
15
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+
contactNumber: extra_info['applicant_phone_number'],
|
16
|
+
contactEmail: application&.primary_user&.email,
|
17
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+
creditControl: extra_info['credit_control'] == '1',
|
18
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+
phoenix: false,
|
19
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+
quotationOnly: false
|
20
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+
}
|
21
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+
end
|
22
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+
|
23
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+
private
|
24
|
+
|
25
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def company
|
26
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+
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
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+
end
|
37
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+
end
|
38
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+
end
|
39
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+
end
|
@@ -0,0 +1,88 @@
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1
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# frozen_string_literal: true
|
2
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+
|
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module InstantQuote
|
4
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+
module DecisionParsers
|
5
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+
# Example response:
|
6
|
+
#
|
7
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+
# {
|
8
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+
# decision: {
|
9
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+
# decision: "approved",
|
10
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+
# trialPeriodMonths: 4, # trial period length
|
11
|
+
# fundingLimit: 745000,
|
12
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+
# annualRenewalFee: 0,
|
13
|
+
# badDebtProtection: 0.85,
|
14
|
+
# cashAvailableWithinHours: 48,
|
15
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+
# discountFee: 3.35,
|
16
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+
# facility: "Factoring", # Factoring or Invoice Discounting or Confidential Invoice Discounting
|
17
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+
# 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
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+
# }
|
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: 1.2.0
|
5
5
|
platform: ruby
|
6
6
|
authors:
|
7
7
|
- rikas
|
8
8
|
autorequire:
|
9
9
|
bindir: exe
|
10
10
|
cert_chain: []
|
11
|
-
date: 2020-
|
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
|