instant_quote 1.7.18 → 1.7.20
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- checksums.yaml +4 -4
- data/Gemfile.lock +1 -1
- data/bin/console +48 -0
- data/lib/instant_quote/decision_parsers/iwoca.rb +11 -1
- data/lib/instant_quote/decision_parsers/iwoca_v1.rb +141 -0
- data/lib/instant_quote/decision_parsers/iwoca_v2_translator.rb +69 -0
- data/lib/instant_quote/version.rb +1 -1
- data/lib/instant_quote/webhooks/iwoca.rb +18 -0
- metadata +4 -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: d31fe21346d1dcdc18f60859f3bb71f248df1ebe76bc10b1ef8e77717c522210
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data.tar.gz: 16913cdcbf765609b081cc39a1dacf655dba67faf1e2cd4ffd6a93b8d9c279eb
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SHA512:
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metadata.gz:
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data.tar.gz:
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metadata.gz: 7179adf5e3ca6dd13788e072d9f5abd4c2fd2b8ca5dfc6d38ecb1839d18cbea3d89e0ef47ad30f45166d65ad76583b86f0d881e2ed50ca6f03e6f2d38ca8597d
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7
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data.tar.gz: f0e046542bf8ee4cc71aabbba509ca270e36dc3a39c9a5f37009c0406f88d17b4fc45e8c3892d0d54da70e8779da58ad3daaaf03e8c2e99e127ecab09e67b5fc
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data/Gemfile.lock
CHANGED
data/bin/console
CHANGED
@@ -32,5 +32,53 @@ end
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send(:include, InstantQuote)
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# Configuration needed for the Money gem
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Money.default_currency = :gbp
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I18n.available_locales = [:en]
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I18n.locale = :en
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Money.locale_backend = :i18n
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Money.rounding_mode = BigDecimal::ROUND_HALF_EVEN
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def declined_v1_json
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json = '{
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"data": {
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"state_key": "[FILTERED]",
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"approval_requirements": [
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{ "type": "cc", "status": "required" },
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{ "type": "enhanced_security_check", "status": "pending" }
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],
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"approval_status": { "status": "declined" },
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"latest_approval_request": { "status": "decision_made" }
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}
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}'
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JSON.parse(json)
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end
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def approved_v1_json
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json = '{
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"data": {
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"state_key": "[FILTERED]",
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"approval_status": {
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"approved": {
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"duration": 24,
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"interval": "1m",
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"max_credit": 21000.0,
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"min_credit": 1.0,
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"rate_structures": [
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{ "effective_on_day": 0, "rates": [{ "max_principal": 21000.0, "rate": 0.0515 }] }
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],
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"time_out": "2023-09-24T00:00:00Z",
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"top_up_allowed": false
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},
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"status": "approved"
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},
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"latest_approval_request": { "status": "decision_made" }
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}
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}'
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JSON.parse(json)
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end
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require 'pry'
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Pry.start
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@@ -98,6 +98,16 @@ module InstantQuote
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# offers - the response of the available offers
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def initialize(data = {})
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@data = super
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# Just in case (v1 has a lot of key 'data' nesting)
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@data = @data.dig(:data) if @data.key?(:data)
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# It's a v1 JSON response, so we need to translate it to v2 first!
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if @data.key?(:state_key)
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puts "Translating v1 JSON to v2..."
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@data = DecisionParsers::IwocaV2Translator.translate(@data)
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end
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@status = @data[:status] if @data.key?(:status)
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@offers = @data[:offers] if @data.key?(:offers)
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end
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@@ -153,7 +163,7 @@ module InstantQuote
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end
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def monthly_interest_rate
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-
first_offer
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first_offer[:interest_rate]
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end
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def status
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@@ -0,0 +1,141 @@
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# frozen_string_literal: true
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module InstantQuote
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module DecisionParsers
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# Example responses:
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#
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# {
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# "data": {
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# "state_key": "[FILTERED]",
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# "approval_requirements": [
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# { "type": "enhanced_security_check", "status": "pending" }
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# ],
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# "approval_status": { "status": "declined" },
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# "latest_approval_request": { "status": "decision_made" }
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# }
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# }
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#
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# {
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# "data": {
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# "state_key": "[FILTERED]",
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# "approval_requirements": [
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# { "type": "cc", "status": "required" },
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# { "type": "enhanced_security_check", "status": "pending" }
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# ],
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# "approval_status": { "status": "declined" },
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# "latest_approval_request": { "status": "decision_made" }
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# }
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# }
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#
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# {
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# "data": {
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# "state_key": "[FILTERED]",
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# "approval_status": {
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# "approved": {
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# "duration": 24,
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# "interval": "1m",
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# "max_credit": 21000.0,
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# "min_credit": 1.0,
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# "rate_structures": [
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# { "effective_on_day": 0, "rates": [{ "max_principal": 21000.0, "rate": 0.0515 }] }
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# ],
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# "time_out": "2023-09-24T00:00:00Z",
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# "top_up_allowed": false
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# },
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# "status": "approved"
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# },
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# "latest_approval_request": { "status": "decision_made" }
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# }
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# }
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class IwocaV1 < DecisionParser
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STATUSES = {
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pending: 'pending',
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approved: 'approved',
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declined: 'declined',
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no_decision: 'no_decision_possible',
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not_defined: 'not_defined'
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}.freeze
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LOAN_STATES = {
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ongoing: 'ongoing',
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ended: 'ended',
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topup: 'topup',
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pending: 'pending',
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overdue: 'overdue',
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duetoday: 'duetoday'
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}.freeze
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# iwoca sends an extra "data" key, that is removed here, to avoid having to do data[:data]
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# because it's silly :)
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def initialize(data = {})
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@data = super
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@data = @data[:data] if @data.key?(:data)
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end
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def pending?
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status == STATUSES[:not_defined]
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end
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def approved?
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status == STATUSES[:approved]
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end
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def declined?
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84
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status == STATUSES[:declined]
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end
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86
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def manual_review?
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88
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status == STATUSES[:pending]
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end
|
90
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91
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def no_decision_possible?
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92
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status == STATUSES[:no_decision]
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end
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def loan_started?
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data[:loan_status] == LOAN_STATES[:ongoing]
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end
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def amount
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100
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amount_approved = status_hash.dig(:approved, :max_credit) || 0
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Money.new(amount_approved * 100).format
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end
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# Only used by the new iwoca2 translator
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def amount_unformatted
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status_hash.dig(:approved, :max_credit) || 0
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end
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def credit_duration
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status_hash.dig(:approved, :duration)
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end
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113
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def credit_interval
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status_hash.dig(:approved, :interval)
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end
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def monthly_interest_rate
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119
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rates = status_hash.dig(:approved, :rate_structures)
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120
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+
|
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return 0 unless rates&.any?
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122
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123
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rate_info = rates.first[:rates]&.first
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+
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return 0 unless rate_info
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rate_info[:rate]
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end
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def status
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status_hash[:status] || STATUSES[:not_defined]
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end
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private
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135
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def status_hash
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data[:approval_status] || data[:latest_approval_request] || {}
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end
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end
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end
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end
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@@ -0,0 +1,69 @@
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# frozen_string_literal: true
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require 'instant_quote/decision_parsers/iwoca'
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# This class is used to translate iwoca's v1 decision format to v2. In the app we might have some
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# decisions stored with the v1 format that need translation but the webhook at the moment is also
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# using the old format (with state_key instead of customer_id).
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module InstantQuote
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9
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module DecisionParsers
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10
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class IwocaV2Translator
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11
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def initialize(v1_json)
|
12
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@decision = InstantQuote::DecisionParsers::IwocaV1.new(v1_json)
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13
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end
|
14
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|
15
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def self.translate(decision)
|
16
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new(decision).translate
|
17
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end
|
18
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+
|
19
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# Translates the v1 JSON into v2 format.
|
20
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def translate
|
21
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{
|
22
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status: {
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23
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status: translate_status(@decision.status),
|
24
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+
requests: [
|
25
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{
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26
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suggested_product: {
|
27
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amount: @decision.amount_unformatted,
|
28
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duration: {
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29
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+
unit: translate_interval(@decision.credit_interval),
|
30
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+
amount: @decision.credit_duration
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31
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+
},
|
32
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+
}
|
33
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+
}
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34
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]
|
35
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},
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36
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offers: [
|
37
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{
|
38
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+
interest_rate: @decision.monthly_interest_rate
|
39
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+
}
|
40
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+
],
|
41
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+
}
|
42
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+
end
|
43
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+
|
44
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+
private
|
45
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+
|
46
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+
def translate_status(v1_status)
|
47
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+
case v1_status
|
48
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+
when 'approved'
|
49
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+
'funded'
|
50
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+
else
|
51
|
+
v1_status
|
52
|
+
end
|
53
|
+
end
|
54
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+
|
55
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+
def translate_interval(v1_interval)
|
56
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+
case v1_interval
|
57
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+
when '1m'
|
58
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+
'months'
|
59
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+
when '1w'
|
60
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+
'weeks'
|
61
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+
when '1d'
|
62
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+
'days'
|
63
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+
else
|
64
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+
'months'
|
65
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+
end
|
66
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+
end
|
67
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+
end
|
68
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+
end
|
69
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+
end
|
@@ -42,6 +42,24 @@ module InstantQuote
|
|
42
42
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request.headers[SIGNATURE_HEADER]
|
43
43
|
end
|
44
44
|
|
45
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+
# The list of possible event types is:
|
46
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+
# approval_status_changed
|
47
|
+
# customer_funded
|
48
|
+
# application_offered
|
49
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+
# application_declined
|
50
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+
# application_deferred
|
51
|
+
# cashflow_added
|
52
|
+
# mca_context_changed
|
53
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+
# bank_account_setup
|
54
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+
# application_status_changed
|
55
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+
# application_attributed
|
56
|
+
# indicative_offer_created
|
57
|
+
# shopify_payment_resolve
|
58
|
+
# shopify_payment_reject
|
59
|
+
# shopify_refund_resolve
|
60
|
+
#
|
61
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+
# More info:
|
62
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+
# https://iwoca.stoplight.io/docs/lapi-notifications/b59ca8c181611-get-available-webhook-event-types
|
45
63
|
def iwoca_event_type
|
46
64
|
# Allowed Values: approval_status_changed, instruct_payments, customer_funded
|
47
65
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request.headers[EVENT_TYPE_HEADER]
|
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: 1.7.
|
4
|
+
version: 1.7.20
|
5
5
|
platform: ruby
|
6
6
|
authors:
|
7
7
|
- rikas
|
8
8
|
autorequire:
|
9
9
|
bindir: exe
|
10
10
|
cert_chain: []
|
11
|
-
date: 2023-08-
|
11
|
+
date: 2023-08-30 00:00:00.000000000 Z
|
12
12
|
dependencies:
|
13
13
|
- !ruby/object:Gem::Dependency
|
14
14
|
name: activesupport
|
@@ -158,6 +158,8 @@ files:
|
|
158
158
|
- lib/instant_quote/decision_parsers/iwoca_flexi24.rb
|
159
159
|
- lib/instant_quote/decision_parsers/iwoca_recovery_loans.rb
|
160
160
|
- lib/instant_quote/decision_parsers/iwoca_revenue_based_loans.rb
|
161
|
+
- lib/instant_quote/decision_parsers/iwoca_v1.rb
|
162
|
+
- lib/instant_quote/decision_parsers/iwoca_v2_translator.rb
|
161
163
|
- lib/instant_quote/decision_parsers/optimum.rb
|
162
164
|
- lib/instant_quote/decision_parsers/youlend.rb
|
163
165
|
- lib/instant_quote/version.rb
|