instant_quote 1.7.16 → 1.7.17

checksums.yaml

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

@@ -10,3 +10,15 @@ source 'https://rubygems.org'
 
 # Specify your gem's dependencies in instant-quotes.gemspec
 gemspec
+
+# Development dependencies
+gem 'bundler', '~> 2.0'
+gem 'dotenv'
+gem 'pry-byebug'
+gem 'rake', '~> 10.0'
+gem 'rspec', '~> 3.0'
+gem 'rubocop'
+gem 'rubocop-rake'
+gem 'rubocop-rspec'
+gem 'simplecov'
+gem 'webmock'

data/Gemfile.lock

@@ -1,10 +1,10 @@
 PATH
   remote: .
   specs:
-    instant_quote (1.7.16)
+    instant_quote (1.7.17)
       activesupport
-      capital_on_tap
-      iwoca
+      capital_on_tap (~> 1.0.1)
+      iwoca (~> 1.1.0)
       money
       optimum
       phonelib
@@ -23,10 +23,9 @@ GEM
       public_suffix (>= 2.0.2, < 5.0)
     ast (2.4.2)
     byebug (11.1.3)
-    capital_on_tap (1.0.0)
+    capital_on_tap (1.0.1)
       addressable
-      faraday
-      faraday_middleware
+      faraday (~> 2.7)
       multi_json
       rainbow
     coderay (1.1.3)
@@ -36,51 +35,28 @@ GEM
     diff-lcs (1.4.4)
     docile (1.3.5)
     dotenv (2.7.6)
-    faraday (1.10.0)
-      faraday-em_http (~> 1.0)
-      faraday-em_synchrony (~> 1.0)
-      faraday-excon (~> 1.1)
-      faraday-httpclient (~> 1.0)
-      faraday-multipart (~> 1.0)
-      faraday-net_http (~> 1.0)
-      faraday-net_http_persistent (~> 1.0)
-      faraday-patron (~> 1.0)
-      faraday-rack (~> 1.0)
-      faraday-retry (~> 1.0)
+    faraday (2.7.8)
+      faraday-net_http (>= 2.0, < 3.1)
       ruby2_keywords (>= 0.0.4)
-    faraday-em_http (1.0.0)
-    faraday-em_synchrony (1.0.0)
-    faraday-excon (1.1.0)
-    faraday-httpclient (1.0.1)
-    faraday-multipart (1.0.3)
-      multipart-post (>= 1.2, < 3)
-    faraday-net_http (1.0.1)
-    faraday-net_http_persistent (1.2.0)
-    faraday-patron (1.0.0)
-    faraday-rack (1.0.0)
-    faraday-retry (1.0.3)
-    faraday_middleware (1.2.0)
-      faraday (~> 1.0)
+    faraday-net_http (3.0.2)
     hashdiff (1.0.1)
     i18n (1.10.0)
       concurrent-ruby (~> 1.0)
-    iwoca (1.0.0)
+    iwoca (1.1.0)
       addressable
-      faraday
-      faraday_middleware
-      multi_json
+      faraday (~> 2.7)
+      json-schema
       rainbow
+    json-schema (2.8.1)
+      addressable (>= 2.4)
     method_source (1.0.0)
     minitest (5.15.0)
     money (6.16.0)
       i18n (>= 0.6.4, <= 2)
     multi_json (1.15.0)
-    multipart-post (2.1.1)
-    optimum (1.1.0)
+    optimum (1.1.1)
       addressable
-      faraday
-      faraday_middleware
-      multi_json
+      faraday (~> 2.7)
       rainbow
     parallel (1.20.1)
     parser (3.0.0.0)
@@ -141,11 +117,9 @@ GEM
       addressable (>= 2.3.6)
       crack (>= 0.3.2)
       hashdiff (>= 0.4.0, < 2.0.0)
-    youlend (1.1.3)
+    youlend (1.1.4)
       addressable
-      faraday
-      faraday_middleware
-      multi_json
+      faraday (~> 2.7)
       rainbow
     zeitwerk (2.5.4)
 
@@ -166,4 +140,4 @@ DEPENDENCIES
   webmock
 
 BUNDLED WITH
-   2.3.4
+   2.4.7

data/instant_quote.gemspec

@@ -27,20 +27,9 @@ Gem::Specification.new do |spec|
   spec.executables = spec.files.grep(%r{^exe/}) { |f| File.basename(f) }
   spec.require_paths = ['lib']
 
-  spec.add_development_dependency 'bundler', '~> 2.0'
-  spec.add_development_dependency 'dotenv'
-  spec.add_development_dependency 'pry-byebug'
-  spec.add_development_dependency 'rake', '~> 10.0'
-  spec.add_development_dependency 'rspec', '~> 3.0'
-  spec.add_development_dependency 'rubocop'
-  spec.add_development_dependency 'rubocop-rake'
-  spec.add_development_dependency 'rubocop-rspec'
-  spec.add_development_dependency 'simplecov'
-  spec.add_development_dependency 'webmock'
-
   spec.add_dependency 'activesupport'
-  spec.add_dependency 'capital_on_tap'
-  spec.add_dependency 'iwoca'
+  spec.add_dependency 'capital_on_tap', '~> 1.0.1'
+  spec.add_dependency 'iwoca', '~> 1.1.0'
   spec.add_dependency 'money'
   spec.add_dependency 'optimum'
   spec.add_dependency 'phonelib'

data/lib/instant_quote/adapters/iwoca.rb

@@ -57,40 +57,45 @@ module InstantQuote
         }
       ]
 
-      # Creates the iwoca customer and returns the state key from the response.
+      # Creates the iwoca customer and application and returns the customer_id from the response.
       def get_quote(params, _connection)
-        response = ::Iwoca::Quote.create_customer(params)
+        response = ::Iwoca::Customer.create(data: params)
 
-        return response.data[:state_key] if response.success?
+        raise_error(response) unless response.success?
+
+        customer_id = response.data[:customer_id]
+
+        # This returns an application_id but we can't store it since we don't have more than one
+        # external ID field. We shouldn't need it anyway.
+        ::Iwoca::Application.create(customer_id: response.data[:customer_id], data: params)
+
+        return customer_id if response.success?
 
         raise_error(response)
       end
 
-      # Get the current status for the created customer.
-      def get_status(state_key, _connection)
-        response = ::Iwoca::Quote.credit_facility_status(state_key)
+      # Get the current status for the created application.
+      def get_status(customer_id, _connection)
+        status_response = ::Iwoca::Application.latest(customer_id: customer_id)
 
-        raise_error(response) unless response.success?
+        raise_error(status_response) unless status_response.success?
 
-        decision_parser.new(response.body)
+        # Get the offers for the application.
+        app_id = status_response.data[:application_id]
+        offers_response = ::Iwoca::Application.offers(application_id: app_id)
+
+        decision_parser.new({ status: status_response.data, offers: offers_response.data })
       end
 
-      # Gets the URL for the given state key.
+      # Gets the URL for the given customer_id.
       def get_link(connection)
-        state_key = connection.external_id
-
-        response = ::Iwoca::Quote.login_link(state_key)
+        response = ::Iwoca::Customer.login_link(customer_id: connection.external_id)
 
         return response.data[:login_link] if response.success?
 
         raise_error(response)
       end
 
-      def get_approval(state_key, _connection)
-        response = ::Iwoca::Quote.approval(state_key)
-        response.success?
-      end
-
       private
 
       def decision_parser

data/lib/instant_quote/connection_translator.rb

@@ -7,13 +7,14 @@ module InstantQuote
   # be sent to the service you're integrating. You'll have access to `application` and `extra_info`
   # from the application's record.
   class ConnectionTranslator
-    attr_accessor :application, :extra_info
+    attr_accessor :connection, :application, :extra_info
 
     def self.translate(connection)
       new(connection).translate
     end
 
     def initialize(connection)
+      @connection = connection
       @application = connection.finance_application
       @extra_info = ActiveSupport::HashWithIndifferentAccess.new(connection.extra_info)
     end

data/lib/instant_quote/connection_translators/iwoca.rb

@@ -6,19 +6,15 @@ module InstantQuote
       def translate
         {
           data: {
-            application: {
-              company: company_information,
-              people: [person_information],
-              requested_products: {
-                product_name => {
-                  approval: {
-                    amount: (application.amount_pennies / 100),
-                    duration: duration,
-                    detailed_purpose: application&.proceeds_purpose&.name
-                  }
-                }
-              }
-            }
+            company: company_information,
+            people: [person_information],
+            requests: [
+              amount: (application.amount_pennies / 100),
+              duration: { amount: 12, unit: 'months' },
+              purpose: application&.proceeds_purpose&.name,
+              product_type: product_name,
+              urgency: 'asap'
+            ]
           }
         }
       end
@@ -26,11 +22,20 @@ module InstantQuote
       private
 
       def product_name
-        :credit_facility
-      end
-
-      def duration
-        12
+        case connection.adapter
+        when 'iwoca'
+          'flexi_loan'
+        when 'iwoca_cbils'
+          'cbils'
+        when 'iwoca_revenue_based_loans'
+          'revenue_based_loan'
+        when 'iwoca_flexi24'
+          'flexi24'
+        when 'iwoca_recovery_loans'
+          'recovery_loan'
+        else
+          'flexi_loan'
+        end
       end
 
       # rubocop:disable Metrics/AbcSize

data/lib/instant_quote/decision_parsers/iwoca.rb

@@ -2,110 +2,177 @@
 
 module InstantQuote
   module DecisionParsers
-    # Example response:
-    #
-    # { data:
-    #   {
-    #     balance: {
-    #       principal: 0.0, interest: 0.0, product_fees: 0.0, other_fees: 0.0, total: 0.0
-    #     },
-    #     latest_approval_request: { status: "no_decision_possible" },
-    #     approval_requirements: [
-    #       { type: "cc", status: "required" },
-    #       { type: "bus_cc", status: "required" },
-    #       { type: "dir_guarantor", status: "required" },
-    #       { type: "enhanced_security_check", status: "pending" }
-    #     ],
-    #     funding_requirements: [
-    #       { status: "required", type: "fraud" },
-    #       { type: "docs", status: "required" },
-    #       { type: "enhanced_security_check", status: "pending" }
-    #     ]
+    # Example status response:
+    #--------------------------------------------
+    # {
+    #   status: "open",
+    #   application_id: "0affceb4-1fbe-4b42-b027-5b1f340b34df",
+    #   is_closed: false,
+    #   requests: [
+    #     {
+    #       amount: 1500.0,
+    #       duration: { unit: "months", amount: 12.0 },
+    #       product_type: "flexi_loan",
+    #       purpose: "equipment_purchase",
+    #       detailed_purpose: nil,
+    #       requested_cash_amount: nil,
+    #       requested_lower_interest: false,
+    #       urgency: "asap",
+    #       suggested_product: {
+    #         amount: 1500.0,
+    #         duration: { unit: "days", amount: 365 },
+    #         product_type: "flexi_loan"
+    #       }
+    #     }
+    #   ],
+    #   last_12_months_turnover: {
+    #     amount: 70000,
+    #     valid_from: "2019-08-24T14:15:22Z"
     #   }
     # }
+    #
+    # Example offers response:
+    #--------------------------------------------
+    # {
+    #   offers: [
+    #     {
+    #       product_type: "flexi_loan",
+    #       duration: { unit: "days", amount: 365 },
+    #       max_amount: 15000.0,
+    #       is_suggested: true,
+    #       offer_id: "14c9addf-b7bd-43bb-b8b0-6ad6b0b6397f",
+    #       offer_type: "sample",
+    #       timeout: "2023-07-29T00:00:00+0000",
+    #       data_requirements: [
+    #         {
+    #           category: "personal_data",
+    #           actions: [
+    #             { name: "complete_personal_credit_check" },
+    #             { name: "check_director_as_guarantor" },
+    #             { name: "check_director_as_applicant" },
+    #             { name: "check_directors_match_companies_house" }
+    #           ]
+    #         },
+    #         {
+    #           category: "company_data",
+    #           actions: [
+    #             { name: "complete_business_credit_check" }
+    #           ]
+    #         },
+    #         {
+    #           category: "enhanced_security_check",
+    #           actions: [
+    #             { name: "contact_iwoca" }
+    #           ]
+    #         }
+    #       ],
+    #       interest_rate: 0.03
+    #     }
+    #   ],
+    #   offer_creation_status: "offers_available"
+    # }
     class Iwoca < DecisionParser
+      # Check the details on all the statuses here:
+      # https://iwoca.stoplight.io/docs/lapi-uk/3fc78424792f2-make-an-application
       STATUSES = {
-        pending: 'pending',
-        approved: 'approved',
+        funded: 'funded',
+        expired: 'expired',
+        talking_to_customer: 'talking_to_customer',
+        offered: 'offered',
         declined: 'declined',
-        no_decision: 'no_decision_possible',
-        not_defined: 'not_defined'
-      }.freeze
-
-      LOAN_STATES = {
-        ongoing: 'ongoing',
-        ended: 'ended',
-        topup: 'topup',
-        pending: 'pending',
-        overdue: 'overdue',
-        duetoday: 'duetoday'
+        deferred: 'deferred',
+        in_underwriting: 'in_underwriting',
+        awaiting_underwriter: 'awaiting_underwriter',
+        open: 'open',
+        action_required: 'action_required',
+        offer_revoked: 'offer_revoked',
+        customer_to_link_open_banking: 'customer_to_link_open_banking',
+        conditional_offer: 'conditional_offer',
+        offer_rejected: 'offer_rejected',
+        conditional_offer_criteria_met: 'conditional_offer_criteria_met',
+        not_defined: 'not_defined' # this is the default status, not a iwoca status
       }.freeze
 
-      # iwoca sends an extra "data" key, that is removed here, to avoid having to do data[:data]
-      # because  it's silly :)
+      # The data object has two responses in two different keys:
+      # status - the response of the application status
+      # offers - the response of the available offers
       def initialize(data = {})
         @data = super
-        @data = @data[:data] if @data.key?(:data)
+        @status = @data[:status] if @data.key?(:status)
+        @offers = @data[:offers] if @data.key?(:offers)
       end
 
       def pending?
-        status == STATUSES[:not_defined]
+        status == STATUSES[:open]
       end
 
       def approved?
-        status == STATUSES[:approved]
+        status_included?(status, %i[offered funded])
       end
 
       def declined?
-        status == STATUSES[:declined]
+        status_included?(status, %i[declined offer_revoked offer_rejected])
       end
 
       def manual_review?
-        status == STATUSES[:pending]
+        manual_review_statuses = %i[
+          deferred
+          action_required
+          talking_to_customer
+        ]
+
+        status_included?(status, manual_review_statuses)
       end
 
       def no_decision_possible?
-        status == STATUSES[:no_decision]
+        status_included?(status, %i[expired])
       end
 
       def loan_started?
-        data[:loan_status] == LOAN_STATES[:ongoing]
+        started_statuses = %i[
+          in_underwriting
+          awaiting_underwriter
+          talking_to_customer
+          customer_to_link_open_banking
+        ]
+
+        status_included?(status, started_statuses)
       end
 
       def amount
-        amount_approved = status_hash.dig(:approved, :max_credit) || 0
+        amount_approved = suggested_product[:amount] || 0
 
         Money.new(amount_approved * 100).format
       end
 
       def credit_duration
-        status_hash.dig(:approved, :duration)
-      end
+        unit = suggested_product.dig(:duration, :unit)
+        amount = suggested_product.dig(:duration, :amount)
 
-      def credit_interval
-        status_hash.dig(:approved, :interval)
+        return { unit: unit, amount: amount }
       end
 
       def monthly_interest_rate
-        rates = status_hash.dig(:approved, :rate_structures)
-
-        return 0 unless rates&.any?
-
-        rate_info = rates.first[:rates]&.first
-
-        return 0 unless rate_info
-
-        rate_info[:rate]
+        first_offer&.interest_rate
       end
 
       def status
-        status_hash[:status] || STATUSES[:not_defined]
+        @status[:status] || STATUSES[:not_defined]
       end
 
       private
 
-      def status_hash
-        data[:approval_status] || data[:latest_approval_request] || {}
+      def suggested_product
+        @status[:requests]&.first&.dig(:suggested_product)
+      end
+
+      def first_offer
+        @offers.dig(:offers)&.first
+      end
+
+      def status_included?(status, status_keys)
+        statuses = status_keys.map { |key| STATUSES[key] }
+        statuses.include?(status)
       end
     end
   end

data/lib/instant_quote/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module InstantQuote
-  VERSION = '1.7.16'
+  VERSION = '1.7.17'
 end

metadata

@@ -1,155 +1,15 @@
 --- !ruby/object:Gem::Specification
 name: instant_quote
 version: !ruby/object:Gem::Version
-  version: 1.7.16
+  version: 1.7.17
 platform: ruby
 authors:
 - rikas
 autorequire: 
 bindir: exe
 cert_chain: []
-date: 2022-09-21 00:00:00.000000000 Z
+date: 2023-06-29 00:00:00.000000000 Z
 dependencies:
-- !ruby/object:Gem::Dependency
-  name: bundler
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '2.0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '2.0'
-- !ruby/object:Gem::Dependency
-  name: dotenv
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: pry-byebug
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: rake
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '10.0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '10.0'
-- !ruby/object:Gem::Dependency
-  name: rspec
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '3.0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - "~>"
-      - !ruby/object:Gem::Version
-        version: '3.0'
-- !ruby/object:Gem::Dependency
-  name: rubocop
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: rubocop-rake
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: rubocop-rspec
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: simplecov
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-- !ruby/object:Gem::Dependency
-  name: webmock
-  requirement: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
-  type: :development
-  prerelease: false
-  version_requirements: !ruby/object:Gem::Requirement
-    requirements:
-    - - ">="
-      - !ruby/object:Gem::Version
-        version: '0'
 - !ruby/object:Gem::Dependency
   name: activesupport
   requirement: !ruby/object:Gem::Requirement
@@ -168,30 +28,30 @@ dependencies:
   name: capital_on_tap
   requirement: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.0.1
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.0.1
 - !ruby/object:Gem::Dependency
   name: iwoca
   requirement: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.1.0
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.1.0
 - !ruby/object:Gem::Dependency
   name: money
   requirement: !ruby/object:Gem::Requirement
@@ -321,7 +181,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
     - !ruby/object:Gem::Version
       version: '0'
 requirements: []
-rubygems_version: 3.0.6
+rubygems_version: 3.2.3
 signing_key: 
 specification_version: 4
 summary: Instant quote providers gem.