instant_quote 1.7.2 → 1.7.7

checksums.yaml

@@ -1,7 +1,7 @@
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data/Gemfile.lock

@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    instant_quote (1.7.2)
+    instant_quote (1.7.7)
       activesupport
       capital_on_tap
       iwoca
@@ -13,7 +13,7 @@ PATH
 GEM
   remote: https://rubygems.org/
   specs:
-    activesupport (6.1.3)
+    activesupport (6.1.3.1)
       concurrent-ruby (~> 1.0, >= 1.0.2)
       i18n (>= 1.6, < 2)
       minitest (>= 5.1)
@@ -44,7 +44,7 @@ GEM
     faraday_middleware (1.0.0)
       faraday (~> 1.0)
     hashdiff (1.0.1)
-    i18n (1.8.9)
+    i18n (1.8.10)
       concurrent-ruby (~> 1.0)
     iwoca (1.0.0)
       addressable
@@ -53,8 +53,8 @@ GEM
       multi_json
       rainbow
     method_source (1.0.0)
-    minitest (5.14.3)
-    money (6.14.0)
+    minitest (5.14.4)
+    money (6.14.1)
       i18n (>= 0.6.4, <= 2)
     multi_json (1.15.0)
     multipart-post (2.1.1)
@@ -67,7 +67,7 @@ GEM
     parallel (1.20.1)
     parser (3.0.0.0)
       ast (~> 2.4.1)
-    phonelib (0.6.48)
+    phonelib (0.6.49)
     pry (0.13.1)
       coderay (~> 1.1)
       method_source (~> 1.0)
@@ -77,7 +77,7 @@ GEM
     public_suffix (4.0.6)
     rainbow (3.0.0)
     rake (10.5.0)
-    regexp_parser (2.0.3)
+    regexp_parser (2.1.1)
     rexml (3.2.4)
     rspec (3.10.0)
       rspec-core (~> 3.10.0)
@@ -92,7 +92,7 @@ GEM
       diff-lcs (>= 1.2.0, < 2.0)
       rspec-support (~> 3.10.0)
     rspec-support (3.10.2)
-    rubocop (1.9.1)
+    rubocop (1.11.0)
       parallel (~> 1.10)
       parser (>= 3.0.0.0)
       rainbow (>= 2.2.2, < 4.0)
@@ -119,7 +119,7 @@ GEM
     tzinfo (2.0.4)
       concurrent-ruby (~> 1.0)
     unicode-display_width (2.0.0)
-    webmock (3.11.2)
+    webmock (3.12.1)
       addressable (>= 2.3.6)
       crack (>= 0.3.2)
       hashdiff (>= 0.4.0, < 2.0.0)
@@ -148,4 +148,4 @@ DEPENDENCIES
   webmock
 
 BUNDLED WITH
-   2.2.5
+   2.2.11

data/lib/instant_quote/adapter.rb

@@ -51,14 +51,14 @@ module InstantQuote
       raise NotImplementedError, "You must implement '#{self.class.name}#get_status'"
     end
 
-    # Default for pre approval will be true, override it in the adapter class if needed.
+    # Default for pre approval will be success, override it in the adapter class if needed.
     def get_preapproval(_params, _connection)
-      true
+      OpenStruct.new(success?: true)
     end
 
-    # Default for approval will be true, override it in the adapter class if needed.
+    # Default for approval will be success, override it in the adapter class if needed.
     def get_approval(_application_id, _connection)
-      true
+      OpenStruct.new(success?: true)
     end
   end
 end

data/lib/instant_quote/adapters/capital_on_tap.rb

@@ -28,18 +28,6 @@ module InstantQuote
           required: true,
           if: ->(app) { app.borrower_organisation.sole_trader? }
         },
-        {
-          name: 'turnover_percentage_after_feb_2020',
-          label: 'What is your current turnover as a percentage of your turnover prior to February 2020?',
-          required: true,
-          choices: [
-            'My turnover had increased since covid',
-            'My turnover is about the same as it was pre-covid (within 20%)',
-            'My turnover has fallen materially as a result of covid (20%-60% reduction in turnover)',
-            'My turnover has fallen significantly as a result of covid (more than a 60% reduction in turnover)'
-          ],
-          type: 'select'
-        },
         {
           name: 'preferred_monthly_repayment_option',
           label: 'How do you want to set up your direct debit for monthly repayment?',

data/lib/instant_quote/adapters/fake.rb

@@ -0,0 +1,162 @@
+# frozen_string_literal: true
+
+require 'securerandom'
+require 'instant_quote/decision_parsers/fake'
+
+module InstantQuote
+  module Adapters
+    class Fake < Adapter
+      additional_fields [
+        {
+          name: 'date_of_birth',
+          label: 'Date of birth',
+          type: 'date',
+          required: true
+        },
+        {
+          name: 'desired_status',
+          label: 'What status do you want to get back?',
+          required: true,
+          choices: {
+            'Pending' => 'pending',
+            'Approved' => 'approved',
+            'Declined' => 'declined',
+            'No decision possible' => 'no_decision_possible',
+            'Error on get_quote' => 'error_on_get_quote',
+            'Error on get_status' => 'error_on_get_status'
+          },
+          type: 'select'
+        },
+        {
+          name: 'decision_info_html',
+          label: 'What html you want to render for decision info?',
+          required: true,
+          choices: {
+            'Iwoca' => 'iwoca',
+            'Iwoca CBILS' => 'iwoca_cbils',
+            'Capital on tap' => 'capital_on_tap',
+            'Optimum' => 'optimum',
+            'Youlend' => 'youlend'
+          },
+          type: 'select'
+        },
+        {
+          name: 'with_preapproval',
+          label: 'Preapproval?',
+          choices: {
+            'No' => 'no',
+            'Yes (success)' => 'yes_success',
+            'Yes (decline)' => 'yes_decline'
+          },
+          type: 'select'
+        },
+        {
+          name: 'with_approval',
+          label: 'With approval?',
+          choices: {
+            'No' => 'no',
+            'Yes' => 'yes'
+          },
+          type: 'select'
+        },
+        {
+          name: 'applicant_consent',
+          label: 'Yes, I give my consent for my data to be shared',
+          required: true,
+          type: 'checkbox'
+        }
+      ]
+
+      # TODO: what should we do here?
+      def get_approval(_state_key, _connection)
+        true
+      end
+
+      def get_preapproval(params, _connection)
+        response = OpenStruct.new(success?: true, error_description: '')
+
+        return response if params[:with_preapproval] == 'no'
+
+        if params[:with_preapproval] == 'yes_decline'
+          response[:success?] = false
+          response.error_description = 'preapproval is declined'
+        end
+
+        response
+      end
+
+      def get_quote(params, _connection)
+        if params[:desired_status] == 'error_on_get_quote'
+          response = OpenStruct.new(
+            body: { errorMessage: 'Error on get_quote that raises an exception' },
+            error: '501 error_on_get_quote'
+          )
+          raise_error(response)
+        end
+
+        # Returns a random identifier
+        SecureRandom.hex(3)
+      end
+
+      # Get the status for a given application ID
+      # rubocop:disable Metrics/AbcSize
+      # rubocop:disable Metrics/MethodLength
+      def get_status(_application_id, connection)
+        status = connection.extra_info['desired_status']
+
+        if status == 'error_on_get_status'
+          response = OpenStruct.new(
+            body: { errorMessage: 'Error on get_status that raises an exception' },
+            error: '502 error_on_get_status'
+          )
+          raise_error(response) unless response.success?
+        end
+
+        response = OpenStruct.new(
+          body: {
+            latest_approval_request: {
+              status: status,
+              approved: {
+                interval: rand(10..30),
+                duration: rand(10..30),
+                max_credit: rand(1000..8000),
+                monthly_interest_rate: rand(0..1.0).round(2)
+              }
+            },
+            credit_decision: {
+              status: status,
+              sweep: 10,
+              loan_amount: rand(1000..8000),
+              funded_amount: rand(1000..8000),
+              fee: rand(100..800),
+              monthly_interest_rate: rand(0..1.0).round(2),
+              monthly_card_interest_rate: rand(0..1.0).round(2),
+              amount: rand(1000..8000)
+            }
+          }
+        )
+
+        DecisionParsers::Fake.new(response.body)
+      end
+      # rubocop:enable Metrics/AbcSize
+      # rubocop:enable Metrics/MethodLength
+
+      # The link is always the same
+      def get_link(connection)
+        id = connection.external_id
+
+        "https://fake.com/link/#{id}"
+      end
+
+      private
+
+      def raise_error(response)
+        raise ApiError.new(
+          adapter: 'fake',
+          data: response.body,
+          error: response.error || 'Unknown API error'
+        )
+      end
+    end
+  end
+end

data/lib/instant_quote/connection_translators/capital_on_tap.rb

@@ -72,9 +72,12 @@ module InstantQuote
         }
       end
 
+      # TODO: this is no longer true, but we are still keeping the range for legacy reasons.
       # Since in Finpoint the user selects an intervel (i.e. '500,000 - 999,999'). We get the avg
       # on this interval and use that number as the monthly turnover.
       def translate_turnover
+        return app_org.turnover_pennies.to_i if app_org.turnover_pennies
+
         turnover = app_org.turnover_range
 
         ((turnover.from + turnover.to) / 2 / 100).ceil
@@ -98,7 +101,6 @@ module InstantQuote
       def additional_questions
         [
           preferred_monthly_repayment_option_question,
-          turnover_percentage_question,
           send_cash_from_credit_facility_to_bank_question
         ]
       end
@@ -107,10 +109,6 @@ module InstantQuote
         question_from_extra_info('preferred_monthly_repayment_option', '17')
       end
 
-      def turnover_percentage_question
-        question_from_extra_info('turnover_percentage_after_feb_2020', '20')
-      end
-
       def send_cash_from_credit_facility_to_bank_question
         question_from_extra_info('send_cash_from_credit_facility_to_bank', '23')
       end

data/lib/instant_quote/connection_translators/fake.rb

@@ -0,0 +1,28 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module ConnectionTranslators
+    class Fake < ConnectionTranslator
+      def translate
+        {
+          salutation: app_user.salutation,
+          first_name: app_user.first_name,
+          last_name: app_user.last_name,
+          date_of_birth: extra_info['date_of_birth'],
+          registration_number: app_org.company_number,
+          desired_status: extra_info['desired_status']
+        }
+      end
+
+      private
+
+      def app_user
+        application.primary_user
+      end
+
+      def app_org
+        application.borrower_organisation
+      end
+    end
+  end
+end

data/lib/instant_quote/decision_parsers/fake.rb

@@ -0,0 +1,82 @@
+# frozen_string_literal: true
+
+require 'money'
+
+module InstantQuote
+  module DecisionParsers
+    class Fake < DecisionParser
+      STATUSES = {
+        pending: 'pending',
+        approved: 'approved',
+        declined: 'declined',
+        could_not_submit: 'CouldNotSubmit',
+        no_decision: 'no_decision_possible'
+      }.freeze
+
+      def pending?
+        status == STATUSES[:pending]
+      end
+
+      def approved?
+        status == STATUSES[:approved]
+      end
+
+      def declined?
+        status == STATUSES[:declined]
+      end
+
+      def credit_duration
+        credit_decision.dig(:approved, :duration)
+      end
+
+      def credit_interval
+        credit_decision.dig(:approved, :interval)
+      end
+
+      def sweep
+        credit_decision[:sweep]
+      end
+
+      def fee
+        fee = credit_decision[:fee].to_f
+
+        Money.new(fee * 100).format
+      end
+
+      def amount
+        Money.new(credit_decision[:amount].to_f * 100).format
+      end
+
+      def loan_amount
+        amount = credit_decision[:loan_amount].to_f
+
+        Money.new(amount * 100).format
+      end
+
+      def funded_amount
+        amount = credit_decision[:funded_amount].to_f
+
+        Money.new(amount * 100).format
+      end
+
+      def monthly_interest_rate
+        credit_decision[:monthly_interes_rate] ||
+          credit_decision.dig(:approved, :monthly_interest_rate) || 0.0
+      end
+
+      def monthly_card_interest_rate
+        credit_decision[:monthly_card_interes_rate] || 0.0
+      end
+
+      def status
+        credit_decision[:status] || STATUSES[:could_not_submit]
+      end
+
+      private
+
+      def credit_decision
+        data[:credit_decision] || data[:latest_approval_request] || {}
+      end
+    end
+  end
+end

data/lib/instant_quote/decision_parsers/youlend.rb

@@ -18,43 +18,55 @@ module InstantQuote
     # }
     class Youlend < DecisionParser
       def approved?
-        status_hash[:loanOptions].any?
+        status_hash[:loanOptions].any? && !funded_option.empty?
       end
 
       def declined?
-        status_hash[:loanOptions].empty?
+        !approved?
       end
 
       def sweep
-        first_option[:sweep]
+        funded_option[:sweep]
+      end
+
+      def status
+        approved? ? 'approved' : 'declined'
       end
 
       def fee
-        fee = first_option[:fee].to_f
+        fee = funded_option[:fee].to_f
 
         Money.new(fee * 100).format
       end
 
       def loan_amount
-        amount = first_option[:loanAmount].to_f
+        amount = funded_option[:loanAmount].to_f
 
         Money.new(amount * 100).format
       end
 
       def funded_amount
-        amount = first_option[:fundedAmount].to_f
+        amount = funded_option[:fundedAmount].to_f
 
         Money.new(amount * 100).format
       end
 
+      alias amount funded_amount
+
       private
 
-      def first_option
-        @first_option ||= status_hash[:loanOptions].find { |opt| opt[:fundedAmount].positive? }
+      def funded_option
+        @funded_option ||= status_hash[:loanOptions].find(-> { {} }) do |opt|
+          opt[:fundedAmount].positive?
+        end
       end
 
       def status_hash
-        data.presence || { loanOptions: [] }
+        default = { loanOptions: [] }
+
+        return default unless data && !data.empty?
+
+        data
       end
     end
   end

data/lib/instant_quote/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module InstantQuote
-  VERSION = '1.7.2'
+  VERSION = '1.7.7'
 end

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: instant_quote
 version: !ruby/object:Gem::Version
-  version: 1.7.2
+  version: 1.7.7
 platform: ruby
 authors:
 - rikas
 autorequire:
 bindir: exe
 cert_chain: []
-date: 2021-02-20 00:00:00.000000000 Z
+date: 2021-04-14 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -271,6 +271,7 @@ files:
 - lib/instant_quote/adapter.rb
 - lib/instant_quote/adapter_finder.rb
 - lib/instant_quote/adapters/capital_on_tap.rb
+- lib/instant_quote/adapters/fake.rb
 - lib/instant_quote/adapters/iwoca.rb
 - lib/instant_quote/adapters/iwoca_cbils.rb
 - lib/instant_quote/adapters/optimum.rb
@@ -278,12 +279,14 @@ files:
 - lib/instant_quote/api_error.rb
 - lib/instant_quote/connection_translator.rb
 - lib/instant_quote/connection_translators/capital_on_tap.rb
+- lib/instant_quote/connection_translators/fake.rb
 - lib/instant_quote/connection_translators/iwoca.rb
 - lib/instant_quote/connection_translators/iwoca_cbils.rb
 - lib/instant_quote/connection_translators/optimum.rb
 - lib/instant_quote/connection_translators/youlend.rb
 - lib/instant_quote/decision_parser.rb
 - lib/instant_quote/decision_parsers/capital_on_tap.rb
+- lib/instant_quote/decision_parsers/fake.rb
 - lib/instant_quote/decision_parsers/iwoca.rb
 - lib/instant_quote/decision_parsers/iwoca_cbils.rb
 - lib/instant_quote/decision_parsers/optimum.rb
@@ -309,7 +312,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
     - !ruby/object:Gem::Version
       version: '0'
 requirements: []
-rubygems_version: 3.0.3
+rubygems_version: 3.2.11
 signing_key:
 specification_version: 4
 summary: Instant quote providers gem.