instant_quote 1.7.2 → 1.7.7
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- checksums.yaml +4 -4
- data/Gemfile.lock +10 -10
- data/lib/instant_quote/adapter.rb +4 -4
- data/lib/instant_quote/adapters/capital_on_tap.rb +0 -12
- data/lib/instant_quote/adapters/fake.rb +162 -0
- data/lib/instant_quote/connection_translators/capital_on_tap.rb +3 -5
- data/lib/instant_quote/connection_translators/fake.rb +28 -0
- data/lib/instant_quote/decision_parsers/fake.rb +82 -0
- data/lib/instant_quote/decision_parsers/youlend.rb +21 -9
- data/lib/instant_quote/version.rb +1 -1
- metadata +6 -3
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: c6ca7c25677c925b0b637a2ac22052acf1e0969228fce0a2acd5d3916ea4bcf1
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4
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+
data.tar.gz: df855495089300f19461a6fdc50784987305a4064d4919b0426a7e330c9bf67b
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5
5
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SHA512:
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-
metadata.gz:
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-
data.tar.gz:
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+
metadata.gz: 0b4449520408ce3c7ea5ecadda96213fee6ae6ffde6476f1ad3cd13f46fa296612e29001ed9cd66e1f836fc32c29f3ed882bd4de88e386855adc511503a4edc0
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7
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+
data.tar.gz: dda46d5ba775f70e21319df87dd9e69033188f37f6ffffa59b0e85736179ade50b9ab1b34b0e906e18b5952fcdb814b4627ac0108c99c3b42afc24b0a8be6d5b
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data/Gemfile.lock
CHANGED
@@ -1,7 +1,7 @@
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PATH
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remote: .
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specs:
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instant_quote (1.7.
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instant_quote (1.7.7)
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activesupport
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capital_on_tap
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iwoca
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@@ -13,7 +13,7 @@ PATH
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GEM
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remote: https://rubygems.org/
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specs:
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activesupport (6.1.3)
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activesupport (6.1.3.1)
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concurrent-ruby (~> 1.0, >= 1.0.2)
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i18n (>= 1.6, < 2)
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minitest (>= 5.1)
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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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i18n (1.8.
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i18n (1.8.10)
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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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@@ -53,8 +53,8 @@ GEM
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multi_json
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rainbow
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method_source (1.0.0)
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-
minitest (5.14.
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money (6.14.
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+
minitest (5.14.4)
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+
money (6.14.1)
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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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@@ -67,7 +67,7 @@ GEM
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parallel (1.20.1)
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parser (3.0.0.0)
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ast (~> 2.4.1)
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phonelib (0.6.
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phonelib (0.6.49)
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pry (0.13.1)
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coderay (~> 1.1)
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method_source (~> 1.0)
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@@ -77,7 +77,7 @@ GEM
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public_suffix (4.0.6)
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rainbow (3.0.0)
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rake (10.5.0)
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-
regexp_parser (2.
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regexp_parser (2.1.1)
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rexml (3.2.4)
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rspec (3.10.0)
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rspec-core (~> 3.10.0)
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@@ -92,7 +92,7 @@ GEM
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diff-lcs (>= 1.2.0, < 2.0)
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rspec-support (~> 3.10.0)
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rspec-support (3.10.2)
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-
rubocop (1.
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+
rubocop (1.11.0)
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parallel (~> 1.10)
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parser (>= 3.0.0.0)
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rainbow (>= 2.2.2, < 4.0)
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@@ -119,7 +119,7 @@ GEM
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tzinfo (2.0.4)
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concurrent-ruby (~> 1.0)
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unicode-display_width (2.0.0)
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webmock (3.
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webmock (3.12.1)
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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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@@ -148,4 +148,4 @@ DEPENDENCIES
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webmock
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BUNDLED WITH
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-
2.2.
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151
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+
2.2.11
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@@ -51,14 +51,14 @@ module InstantQuote
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raise NotImplementedError, "You must implement '#{self.class.name}#get_status'"
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end
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-
# Default for pre approval will be
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# Default for pre approval will be success, override it in the adapter class if needed.
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def get_preapproval(_params, _connection)
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-
true
|
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+
OpenStruct.new(success?: true)
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end
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-
# Default for approval will be
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# Default for approval will be success, override it in the adapter class if needed.
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def get_approval(_application_id, _connection)
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-
true
|
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OpenStruct.new(success?: true)
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end
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end
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end
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@@ -28,18 +28,6 @@ module InstantQuote
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required: true,
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if: ->(app) { app.borrower_organisation.sole_trader? }
|
30
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},
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31
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-
{
|
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-
name: 'turnover_percentage_after_feb_2020',
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-
label: 'What is your current turnover as a percentage of your turnover prior to February 2020?',
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-
required: true,
|
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-
choices: [
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-
'My turnover had increased since covid',
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-
'My turnover is about the same as it was pre-covid (within 20%)',
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-
'My turnover has fallen materially as a result of covid (20%-60% reduction in turnover)',
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-
'My turnover has fallen significantly as a result of covid (more than a 60% reduction in turnover)'
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-
],
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-
type: 'select'
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-
},
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31
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{
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name: 'preferred_monthly_repayment_option',
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label: 'How do you want to set up your direct debit for monthly repayment?',
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@@ -0,0 +1,162 @@
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1
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# frozen_string_literal: true
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+
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require 'securerandom'
|
4
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+
require 'instant_quote/decision_parsers/fake'
|
5
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+
|
6
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+
module InstantQuote
|
7
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+
module Adapters
|
8
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+
class Fake < Adapter
|
9
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+
additional_fields [
|
10
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+
{
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11
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name: 'date_of_birth',
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12
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+
label: 'Date of birth',
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13
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+
type: 'date',
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14
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required: true
|
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+
},
|
16
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{
|
17
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+
name: 'desired_status',
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18
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+
label: 'What status do you want to get back?',
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19
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required: true,
|
20
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+
choices: {
|
21
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+
'Pending' => 'pending',
|
22
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+
'Approved' => 'approved',
|
23
|
+
'Declined' => 'declined',
|
24
|
+
'No decision possible' => 'no_decision_possible',
|
25
|
+
'Error on get_quote' => 'error_on_get_quote',
|
26
|
+
'Error on get_status' => 'error_on_get_status'
|
27
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+
},
|
28
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+
type: 'select'
|
29
|
+
},
|
30
|
+
{
|
31
|
+
name: 'decision_info_html',
|
32
|
+
label: 'What html you want to render for decision info?',
|
33
|
+
required: true,
|
34
|
+
choices: {
|
35
|
+
'Iwoca' => 'iwoca',
|
36
|
+
'Iwoca CBILS' => 'iwoca_cbils',
|
37
|
+
'Capital on tap' => 'capital_on_tap',
|
38
|
+
'Optimum' => 'optimum',
|
39
|
+
'Youlend' => 'youlend'
|
40
|
+
},
|
41
|
+
type: 'select'
|
42
|
+
},
|
43
|
+
{
|
44
|
+
name: 'with_preapproval',
|
45
|
+
label: 'Preapproval?',
|
46
|
+
choices: {
|
47
|
+
'No' => 'no',
|
48
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+
'Yes (success)' => 'yes_success',
|
49
|
+
'Yes (decline)' => 'yes_decline'
|
50
|
+
},
|
51
|
+
type: 'select'
|
52
|
+
},
|
53
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+
{
|
54
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+
name: 'with_approval',
|
55
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+
label: 'With approval?',
|
56
|
+
choices: {
|
57
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+
'No' => 'no',
|
58
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+
'Yes' => 'yes'
|
59
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+
},
|
60
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+
type: 'select'
|
61
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+
},
|
62
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+
{
|
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+
name: 'applicant_consent',
|
64
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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'
|
67
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+
}
|
68
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+
]
|
69
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+
|
70
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+
# TODO: what should we do here?
|
71
|
+
def get_approval(_state_key, _connection)
|
72
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+
true
|
73
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+
end
|
74
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+
|
75
|
+
def get_preapproval(params, _connection)
|
76
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+
response = OpenStruct.new(success?: true, error_description: '')
|
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+
|
78
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+
return response if params[:with_preapproval] == 'no'
|
79
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+
|
80
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+
if params[:with_preapproval] == 'yes_decline'
|
81
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response[:success?] = false
|
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response.error_description = 'preapproval is declined'
|
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end
|
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+
|
85
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response
|
86
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+
end
|
87
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+
|
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def get_quote(params, _connection)
|
89
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+
if params[:desired_status] == 'error_on_get_quote'
|
90
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response = OpenStruct.new(
|
91
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body: { errorMessage: 'Error on get_quote that raises an exception' },
|
92
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error: '501 error_on_get_quote'
|
93
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)
|
94
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raise_error(response)
|
95
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+
end
|
96
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+
|
97
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# Returns a random identifier
|
98
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+
SecureRandom.hex(3)
|
99
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+
end
|
100
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+
|
101
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+
# Get the status for a given application ID
|
102
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+
# rubocop:disable Metrics/AbcSize
|
103
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+
# rubocop:disable Metrics/MethodLength
|
104
|
+
def get_status(_application_id, connection)
|
105
|
+
status = connection.extra_info['desired_status']
|
106
|
+
|
107
|
+
if status == 'error_on_get_status'
|
108
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+
response = OpenStruct.new(
|
109
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+
body: { errorMessage: 'Error on get_status that raises an exception' },
|
110
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+
error: '502 error_on_get_status'
|
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+
)
|
112
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+
raise_error(response) unless response.success?
|
113
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+
end
|
114
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+
|
115
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+
response = OpenStruct.new(
|
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body: {
|
117
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+
latest_approval_request: {
|
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+
status: status,
|
119
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+
approved: {
|
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+
interval: rand(10..30),
|
121
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+
duration: rand(10..30),
|
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+
max_credit: rand(1000..8000),
|
123
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+
monthly_interest_rate: rand(0..1.0).round(2)
|
124
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+
}
|
125
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+
},
|
126
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+
credit_decision: {
|
127
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+
status: status,
|
128
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+
sweep: 10,
|
129
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+
loan_amount: rand(1000..8000),
|
130
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+
funded_amount: rand(1000..8000),
|
131
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+
fee: rand(100..800),
|
132
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+
monthly_interest_rate: rand(0..1.0).round(2),
|
133
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+
monthly_card_interest_rate: rand(0..1.0).round(2),
|
134
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+
amount: rand(1000..8000)
|
135
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+
}
|
136
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+
}
|
137
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+
)
|
138
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+
|
139
|
+
DecisionParsers::Fake.new(response.body)
|
140
|
+
end
|
141
|
+
# rubocop:enable Metrics/AbcSize
|
142
|
+
# rubocop:enable Metrics/MethodLength
|
143
|
+
|
144
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+
# The link is always the same
|
145
|
+
def get_link(connection)
|
146
|
+
id = connection.external_id
|
147
|
+
|
148
|
+
"https://fake.com/link/#{id}"
|
149
|
+
end
|
150
|
+
|
151
|
+
private
|
152
|
+
|
153
|
+
def raise_error(response)
|
154
|
+
raise ApiError.new(
|
155
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+
adapter: 'fake',
|
156
|
+
data: response.body,
|
157
|
+
error: response.error || 'Unknown API error'
|
158
|
+
)
|
159
|
+
end
|
160
|
+
end
|
161
|
+
end
|
162
|
+
end
|
@@ -72,9 +72,12 @@ module InstantQuote
|
|
72
72
|
}
|
73
73
|
end
|
74
74
|
|
75
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+
# TODO: this is no longer true, but we are still keeping the range for legacy reasons.
|
75
76
|
# Since in Finpoint the user selects an intervel (i.e. '500,000 - 999,999'). We get the avg
|
76
77
|
# on this interval and use that number as the monthly turnover.
|
77
78
|
def translate_turnover
|
79
|
+
return app_org.turnover_pennies.to_i if app_org.turnover_pennies
|
80
|
+
|
78
81
|
turnover = app_org.turnover_range
|
79
82
|
|
80
83
|
((turnover.from + turnover.to) / 2 / 100).ceil
|
@@ -98,7 +101,6 @@ module InstantQuote
|
|
98
101
|
def additional_questions
|
99
102
|
[
|
100
103
|
preferred_monthly_repayment_option_question,
|
101
|
-
turnover_percentage_question,
|
102
104
|
send_cash_from_credit_facility_to_bank_question
|
103
105
|
]
|
104
106
|
end
|
@@ -107,10 +109,6 @@ module InstantQuote
|
|
107
109
|
question_from_extra_info('preferred_monthly_repayment_option', '17')
|
108
110
|
end
|
109
111
|
|
110
|
-
def turnover_percentage_question
|
111
|
-
question_from_extra_info('turnover_percentage_after_feb_2020', '20')
|
112
|
-
end
|
113
|
-
|
114
112
|
def send_cash_from_credit_facility_to_bank_question
|
115
113
|
question_from_extra_info('send_cash_from_credit_facility_to_bank', '23')
|
116
114
|
end
|
@@ -0,0 +1,28 @@
|
|
1
|
+
# frozen_string_literal: true
|
2
|
+
|
3
|
+
module InstantQuote
|
4
|
+
module ConnectionTranslators
|
5
|
+
class Fake < ConnectionTranslator
|
6
|
+
def translate
|
7
|
+
{
|
8
|
+
salutation: app_user.salutation,
|
9
|
+
first_name: app_user.first_name,
|
10
|
+
last_name: app_user.last_name,
|
11
|
+
date_of_birth: extra_info['date_of_birth'],
|
12
|
+
registration_number: app_org.company_number,
|
13
|
+
desired_status: extra_info['desired_status']
|
14
|
+
}
|
15
|
+
end
|
16
|
+
|
17
|
+
private
|
18
|
+
|
19
|
+
def app_user
|
20
|
+
application.primary_user
|
21
|
+
end
|
22
|
+
|
23
|
+
def app_org
|
24
|
+
application.borrower_organisation
|
25
|
+
end
|
26
|
+
end
|
27
|
+
end
|
28
|
+
end
|
@@ -0,0 +1,82 @@
|
|
1
|
+
# frozen_string_literal: true
|
2
|
+
|
3
|
+
require 'money'
|
4
|
+
|
5
|
+
module InstantQuote
|
6
|
+
module DecisionParsers
|
7
|
+
class Fake < DecisionParser
|
8
|
+
STATUSES = {
|
9
|
+
pending: 'pending',
|
10
|
+
approved: 'approved',
|
11
|
+
declined: 'declined',
|
12
|
+
could_not_submit: 'CouldNotSubmit',
|
13
|
+
no_decision: 'no_decision_possible'
|
14
|
+
}.freeze
|
15
|
+
|
16
|
+
def pending?
|
17
|
+
status == STATUSES[:pending]
|
18
|
+
end
|
19
|
+
|
20
|
+
def approved?
|
21
|
+
status == STATUSES[:approved]
|
22
|
+
end
|
23
|
+
|
24
|
+
def declined?
|
25
|
+
status == STATUSES[:declined]
|
26
|
+
end
|
27
|
+
|
28
|
+
def credit_duration
|
29
|
+
credit_decision.dig(:approved, :duration)
|
30
|
+
end
|
31
|
+
|
32
|
+
def credit_interval
|
33
|
+
credit_decision.dig(:approved, :interval)
|
34
|
+
end
|
35
|
+
|
36
|
+
def sweep
|
37
|
+
credit_decision[:sweep]
|
38
|
+
end
|
39
|
+
|
40
|
+
def fee
|
41
|
+
fee = credit_decision[:fee].to_f
|
42
|
+
|
43
|
+
Money.new(fee * 100).format
|
44
|
+
end
|
45
|
+
|
46
|
+
def amount
|
47
|
+
Money.new(credit_decision[:amount].to_f * 100).format
|
48
|
+
end
|
49
|
+
|
50
|
+
def loan_amount
|
51
|
+
amount = credit_decision[:loan_amount].to_f
|
52
|
+
|
53
|
+
Money.new(amount * 100).format
|
54
|
+
end
|
55
|
+
|
56
|
+
def funded_amount
|
57
|
+
amount = credit_decision[:funded_amount].to_f
|
58
|
+
|
59
|
+
Money.new(amount * 100).format
|
60
|
+
end
|
61
|
+
|
62
|
+
def monthly_interest_rate
|
63
|
+
credit_decision[:monthly_interes_rate] ||
|
64
|
+
credit_decision.dig(:approved, :monthly_interest_rate) || 0.0
|
65
|
+
end
|
66
|
+
|
67
|
+
def monthly_card_interest_rate
|
68
|
+
credit_decision[:monthly_card_interes_rate] || 0.0
|
69
|
+
end
|
70
|
+
|
71
|
+
def status
|
72
|
+
credit_decision[:status] || STATUSES[:could_not_submit]
|
73
|
+
end
|
74
|
+
|
75
|
+
private
|
76
|
+
|
77
|
+
def credit_decision
|
78
|
+
data[:credit_decision] || data[:latest_approval_request] || {}
|
79
|
+
end
|
80
|
+
end
|
81
|
+
end
|
82
|
+
end
|
@@ -18,43 +18,55 @@ module InstantQuote
|
|
18
18
|
# }
|
19
19
|
class Youlend < DecisionParser
|
20
20
|
def approved?
|
21
|
-
status_hash[:loanOptions].any?
|
21
|
+
status_hash[:loanOptions].any? && !funded_option.empty?
|
22
22
|
end
|
23
23
|
|
24
24
|
def declined?
|
25
|
-
|
25
|
+
!approved?
|
26
26
|
end
|
27
27
|
|
28
28
|
def sweep
|
29
|
-
|
29
|
+
funded_option[:sweep]
|
30
|
+
end
|
31
|
+
|
32
|
+
def status
|
33
|
+
approved? ? 'approved' : 'declined'
|
30
34
|
end
|
31
35
|
|
32
36
|
def fee
|
33
|
-
fee =
|
37
|
+
fee = funded_option[:fee].to_f
|
34
38
|
|
35
39
|
Money.new(fee * 100).format
|
36
40
|
end
|
37
41
|
|
38
42
|
def loan_amount
|
39
|
-
amount =
|
43
|
+
amount = funded_option[:loanAmount].to_f
|
40
44
|
|
41
45
|
Money.new(amount * 100).format
|
42
46
|
end
|
43
47
|
|
44
48
|
def funded_amount
|
45
|
-
amount =
|
49
|
+
amount = funded_option[:fundedAmount].to_f
|
46
50
|
|
47
51
|
Money.new(amount * 100).format
|
48
52
|
end
|
49
53
|
|
54
|
+
alias amount funded_amount
|
55
|
+
|
50
56
|
private
|
51
57
|
|
52
|
-
def
|
53
|
-
@
|
58
|
+
def funded_option
|
59
|
+
@funded_option ||= status_hash[:loanOptions].find(-> { {} }) do |opt|
|
60
|
+
opt[:fundedAmount].positive?
|
61
|
+
end
|
54
62
|
end
|
55
63
|
|
56
64
|
def status_hash
|
57
|
-
|
65
|
+
default = { loanOptions: [] }
|
66
|
+
|
67
|
+
return default unless data && !data.empty?
|
68
|
+
|
69
|
+
data
|
58
70
|
end
|
59
71
|
end
|
60
72
|
end
|
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: 1.7.7
|
5
5
|
platform: ruby
|
6
6
|
authors:
|
7
7
|
- rikas
|
8
8
|
autorequire:
|
9
9
|
bindir: exe
|
10
10
|
cert_chain: []
|
11
|
-
date: 2021-
|
11
|
+
date: 2021-04-14 00:00:00.000000000 Z
|
12
12
|
dependencies:
|
13
13
|
- !ruby/object:Gem::Dependency
|
14
14
|
name: bundler
|
@@ -271,6 +271,7 @@ files:
|
|
271
271
|
- lib/instant_quote/adapter.rb
|
272
272
|
- lib/instant_quote/adapter_finder.rb
|
273
273
|
- lib/instant_quote/adapters/capital_on_tap.rb
|
274
|
+
- lib/instant_quote/adapters/fake.rb
|
274
275
|
- lib/instant_quote/adapters/iwoca.rb
|
275
276
|
- lib/instant_quote/adapters/iwoca_cbils.rb
|
276
277
|
- lib/instant_quote/adapters/optimum.rb
|
@@ -278,12 +279,14 @@ files:
|
|
278
279
|
- lib/instant_quote/api_error.rb
|
279
280
|
- lib/instant_quote/connection_translator.rb
|
280
281
|
- lib/instant_quote/connection_translators/capital_on_tap.rb
|
282
|
+
- lib/instant_quote/connection_translators/fake.rb
|
281
283
|
- lib/instant_quote/connection_translators/iwoca.rb
|
282
284
|
- lib/instant_quote/connection_translators/iwoca_cbils.rb
|
283
285
|
- lib/instant_quote/connection_translators/optimum.rb
|
284
286
|
- lib/instant_quote/connection_translators/youlend.rb
|
285
287
|
- lib/instant_quote/decision_parser.rb
|
286
288
|
- lib/instant_quote/decision_parsers/capital_on_tap.rb
|
289
|
+
- lib/instant_quote/decision_parsers/fake.rb
|
287
290
|
- lib/instant_quote/decision_parsers/iwoca.rb
|
288
291
|
- lib/instant_quote/decision_parsers/iwoca_cbils.rb
|
289
292
|
- lib/instant_quote/decision_parsers/optimum.rb
|
@@ -309,7 +312,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
|
|
309
312
|
- !ruby/object:Gem::Version
|
310
313
|
version: '0'
|
311
314
|
requirements: []
|
312
|
-
rubygems_version: 3.
|
315
|
+
rubygems_version: 3.2.11
|
313
316
|
signing_key:
|
314
317
|
specification_version: 4
|
315
318
|
summary: Instant quote providers gem.
|