youlend 1.0.0 → 1.1.3

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA256:
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-  data.tar.gz: d59850f7a58272e68184c0a27f6b22ad138648cfcadb3361256a3e3855dfb2d3
+  metadata.gz: 4a0d506952a24eb9ecccb2ee7d2d89cf3d00306d093ff764793ab0895c3d68a9
+  data.tar.gz: 1aea5c48cb985851f2f5190c25b45727eb52d6b09e6017560e8616adf4e3f965
 SHA512:
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-  data.tar.gz: 8bca12acbdd170f27821f81499c3f254872c0b87d6c82f62ee05dda3af6c7fe26507d9e67dd0e2d6f6a87fd3509df64c9d7441bd54c72ca979c4947a4fba5aeb
+  metadata.gz: '049795bc3e787d888f7b6ca39bbb227bb0eccf85b1e0e83d3d6b366564b2fdd5209d5ad8083b93ee5e720bf4b13c30fd058463174fd9c582a68f44a56854cbf1'
+  data.tar.gz: 9b4d8c822433b93f95999c1f2ba355bf369c3516fa6917b3034732d3a60f9c0b974d12c954014967515960bba84131f776d54977e08547463326caccf36af4ae

data/Gemfile.lock

@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    youlend (1.0.0)
+    youlend (1.1.3)
       addressable
       faraday
       faraday_middleware
@@ -24,9 +24,11 @@ GEM
     dotenv (2.7.5)
     faker (2.11.0)
       i18n (>= 1.6, < 2)
-    faraday (1.1.0)
+    faraday (1.3.0)
+      faraday-net_http (~> 1.0)
       multipart-post (>= 1.2, < 3)
       ruby2_keywords
+    faraday-net_http (1.0.1)
     faraday_middleware (1.0.0)
       faraday (~> 1.0)
     hashdiff (1.0.1)
@@ -73,7 +75,7 @@ GEM
     rubocop-rspec (1.39.0)
       rubocop (>= 0.68.1)
     ruby-progressbar (1.10.1)
-    ruby2_keywords (0.0.2)
+    ruby2_keywords (0.0.4)
     safe_yaml (1.0.5)
     simplecov (0.18.5)
       docile (~> 1.1)
@@ -104,4 +106,4 @@ DEPENDENCIES
   youlend!
 
 BUNDLED WITH
-   2.1.4
+   2.2.5

data/bin/console

@@ -3,8 +3,8 @@
 
 require 'bundler/setup'
 require 'youlend'
-require 'youlend/merchant_generator'
-require 'youlend/lead_generator'
+require 'youlend/params_generators/prequalification'
+require 'youlend/params_generators/lead'
 
 require 'dotenv'
 Dotenv.load
@@ -15,12 +15,12 @@ Youlend.configure do |config|
   config.debug = true
 end
 
-def generate_merchant
-  Youlend::MerchantGenerator.generate
+def generate_prequalification
+  Youlend::ParamsGenerators::Prequalification.generate
 end
 
 def generate_lead
-  Youlend::LeadGenerator.generate
+  Youlend::ParamsGenerators::Lead.generate
 end
 
 require 'pry'

data/lib/youlend.rb

@@ -4,7 +4,7 @@ require 'youlend/version'
 require 'youlend/auth'
 require 'youlend/configuration'
 require 'youlend/connection'
-require 'youlend/quote'
+require 'youlend/prequalification'
 require 'youlend/lead'
 
 module Youlend

data/lib/youlend/auth.rb

@@ -9,7 +9,10 @@ module Youlend
   class Auth
     extend Forwardable
 
-    AUTH_URL = 'https://youlend-stag.eu.auth0.com'
+    AUTH_URLS = {
+      production: 'https://youlend.eu.auth0.com',
+      development: 'https://youlend-stag.eu.auth0.com'
+    }.freeze
 
     AUDIENCES = %i[prequalification onboarding].freeze
     DEFAULT_AUDIENCE = :prequalification
@@ -46,7 +49,9 @@ module Youlend
     private
 
     def adapter
-      Faraday.new(url: AUTH_URL) do |conn|
+      auth_url = AUTH_URLS[Youlend.configuration.env]
+
+      Faraday.new(url: auth_url) do |conn|
         conn.headers['Content-Type'] = 'application/json'
         conn.headers['User-Agent'] = "ruby-youlend-#{VERSION}"
         conn.use FaradayMiddleware::ParseJson

data/lib/youlend/configuration.rb

@@ -5,15 +5,20 @@ module Youlend
     attr_accessor :tokens, :client_id, :client_secret, :env
     attr_writer :debug
 
+    DOMAINS = {
+      production: 'https://youlend.com',
+      development: 'https://staging.youlend.com'
+    }.freeze
+
     API_DOMAINS = {
-      production: '',
+      production: 'https://youlendapi.com',
       development: 'https://staging.youlendapi.com'
     }.freeze
 
     def initialize
       @tokens = { onboarding: '', prequalification: '' }
       @webhook_signature = ''
-      @env = defined?(::Rails) ? ::Rails.env : :development
+      @env = defined?(::Rails) ? ::Rails.env.to_sym : :development
       @debug = false
     end
 
@@ -24,5 +29,9 @@ module Youlend
     def api_domain
       API_DOMAINS[@env.to_sym] || API_DOMAINS[:development]
     end
+
+    def domain
+      DOMAINS[@env.to_sym] || DOMAINS[:development]
+    end
   end
 end

data/lib/youlend/connection.rb

@@ -40,6 +40,14 @@ module Youlend
       Response.new(http_response)
     end
 
+    def get(path, audience)
+      http_response = with_token_refresh(audience) do
+        adapter(audience).get(PathSanitizer.sanitize(path))
+      end
+
+      Response.new(http_response)
+    end
+
     private
 
     def log(text)

data/lib/youlend/lead.rb

@@ -3,6 +3,10 @@
 # Following the API description here: https://staging.youlend.com/developer/main/onboardingdoc
 module Youlend
   class Lead
+    def self.create(params)
+      new(params).create
+    end
+
     def initialize(params)
       @id = nil
       @params = params
@@ -12,12 +16,15 @@ module Youlend
       Youlend.connection.post('/onboarding/Leads', :onboarding, @params)
     end
 
-    def self.create(params)
-      new(params).create
+    def self.details(lead_id)
+      Youlend.connection.get("/onboarding/Leads/#{lead_id}", :onboarding)
     end
 
-    def self.details(lead_id)
-      Youlend.connection.get("/onboarding/Leads/#{lead_id}/details", :onboarding)
+    def self.onboard_link(lead_id, email_address)
+      domain = Youlend.configuration.domain
+
+      url = Addressable::Template.new("#{domain}/dashboard/youlendapisignup{?query*}")
+      url.expand(query: { emailAddress: email_address, leadId: lead_id }).to_s
     end
   end
 end

data/lib/youlend/params_generators/lead.rb

@@ -0,0 +1,65 @@
+# frozen_string_literal: true
+
+require 'faker'
+
+module Youlend
+  module ParamsGenerators
+    class Lead
+      def self.generate
+        new.generate
+      end
+
+      def initialize
+        Faker::Config.locale = 'en-GB'
+
+        generate
+      end
+
+      # Mandatory fields:
+      # * CompanyName
+      # * CompanyType (ltd, plc, llp, dac, soleTrader, aps, as, ks, ivs and is)
+      # * MonthsTrading
+      # * CountryISOCode (GBR, DNK and IRE)
+      # * KeyContactName
+      # * ThirdPartyLeadId
+      # * RegisteredAddress
+      # * ContactPhoneNumber
+      # * MonthlyCardRevenue (must be greater than or equal to '1000')
+      # * ContactEmailAddress
+      # * LoanCurrencyISOCode (ISO 4217 currency code. Valid codes are GBP, EUR and DKK)
+      # * ThirdPartyCustomerId
+      def generate
+        {
+          companyName: 'HOKO LTD',
+          companyType: 'ltd',
+          monthsTrading: rand(3..10),
+          countryISOCode: 'GBR',
+          keyContactName: Faker::Name.name,
+          thirdPartyLeadId: SecureRandom.uuid,
+          registeredAddress: address,
+          contactPhoneNumber: Faker::PhoneNumber.phone_number,
+          monthlyCardRevenue: 10_000,
+          contactEmailAddress: Faker::Internet.email,
+          loanCurrencyISOCode: 'GBP',
+          thirdPartyCustomerId: SecureRandom.uuid,
+          companyNumber: '09525857',                # optional
+          notificationURL: Faker::Internet.url,     # optional
+          thirdPartyMerchantId: SecureRandom.uuid   # optional
+        }
+      end
+
+      private
+
+      def address
+        {
+          line1: Faker::Address.street_address,
+          line2: Faker::Address.secondary_address,
+          city: 'London',
+          region: 'London',
+          areaCode: Faker::Address.zip_code,
+          country: 'UK'
+        }
+      end
+    end
+  end
+end

data/lib/youlend/params_generators/prequalification.rb

@@ -0,0 +1,85 @@
+# frozen_string_literal: true
+
+require 'faker'
+
+module Youlend
+  module ParamsGenerators
+    class Prequalification
+      def self.generate
+        new.generate
+      end
+
+      def initialize
+        Faker::Config.locale = 'en-GB'
+
+        generate
+      end
+
+      # Mandatory fields:
+      # * CompanyType (ltd, plc, llp, dac, partnership, soleTrader, aps, as, ks, ivs and is)
+      # * FinancialData
+      # * CountryISOCode (GBR, DNK and IRE)
+      # * LoanCurrencyISOCode (ISO 4217 currency code. Valid codes are GBP, EUR and DKK)
+      # * ThirdPartyMerchantId
+      #
+      # The only mandatory field should be the financial data. You SHOULD NOT provide company
+      # number, otherwise Youlend needs to ask for permission on credit checks.
+      def generate
+        {
+          companyType: 'ltd',
+          financialData: financial_data,
+          countryISOCode: 'GBR',
+          loanCurrencyISOCode: 'GBP',
+          thirdPartyMerchantId: SecureRandom.uuid,
+          companyName: 'HOKO LTD', # optional
+          companyNumber: '09525857', # optional
+          significantPersons: [significant_person],     # optional
+          contactEmailAddress: 'oterosantos@gmail.com'  # optional
+        }
+      end
+
+      private
+
+      def financial_data
+        {
+          monthlyCardRevenue: 0,
+          monthlyValueOfPurchaseTransactions: 0,
+          monthlyRevenueFromInvoices: 0,
+          paymentData: payment_data
+        }
+      end
+
+      def payment_data
+        (1..12).to_a.map do |month|
+          formatted_month = format('%02<month>d', month: month)
+
+          {
+            paymentDate: "#{Date.today.year - 1}-#{formatted_month}-01",
+            amount: 5000,
+            currencyISOCode: 'GBP'
+          }
+        end
+      end
+
+      def significant_person
+        {
+          firstName: Faker::Name.first_name,
+          surname: Faker::Name.last_name,
+          address: address,
+          dateOfBirth: Date.parse('1980-01-01').to_s
+        }
+      end
+
+      def address
+        {
+          line1: Faker::Address.street_address,
+          line2: Faker::Address.secondary_address,
+          city: 'London',
+          region: 'London',
+          areaCode: Faker::Address.zip_code,
+          country: 'UK'
+        }
+      end
+    end
+  end
+end

data/lib/youlend/{quote.rb → prequalification.rb}

@@ -2,24 +2,40 @@
 
 # Following the API description here: https://staging.youlendapi.com/prequalification/index.html
 module Youlend
-  class Quote
-    def self.pre_qualification(params)
-      response = Youlend.connection.post('/prequalification/Requests', :prequalification, params)
+  class Prequalification
+    def self.verify(params)
+      new(params).verify
+    end
+
+    def initialize(params)
+      @params = params
+    end
+
+    def verify
+      response = Youlend.connection.post('/prequalification/Requests', :prequalification, @params)
+
+      # If there are errors in the data just return the response right away
+      return response if response.status == 422
 
       # If we got back a response but all the funded amounts are 0.0 it means that the load was
       # actually rejected! We'll replace the response body with an error message instead and change
       # the success code.
-      if loan_accepted?(response.body)
-        response
-      else
+      unless loan_accepted?(response.body)
         response.http_response.env.status = 422
-        response.http_response.env.body = { error: 'Rejected', error_description: 'Loan was rejected' }
-        response
+        response.http_response.env.body = {
+          error: 'Rejected',
+          error_description: 'Loan was rejected'
+        }
       end
+
+      response
     end
 
-    def self.loan_accepted?(data)
+    private
+
+    def loan_accepted?(data)
       return false unless data[:loanOptions]
+
       options = data[:loanOptions]
 
       funded_amounts = options.map { |option| option[:fundedAmount] }

data/lib/youlend/response.rb

@@ -24,5 +24,15 @@ module Youlend
 
       auth_header.match?(/.*token is expired.*/)
     end
+
+    def errors
+      return [] unless unauthorized? || token_expired?
+
+      @http_response.body
+    end
+
+    def data
+      @http_response.body
+    end
   end
 end

data/lib/youlend/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Youlend
-  VERSION = '1.0.0'
+  VERSION = '1.1.3'
 end

data/vcr_cassettes/prequalification_correct.yml

@@ -163,7 +163,7 @@ http_interactions:
     body:
       encoding: UTF-8
       string: '{"thirdPartyMerchantId":"b97b0834-74e5-4da6-a3df-c8dbe017fe09","mid":null,"companyName":"Test
-        company","overallCreditRiskScore":3.5,"overrideCreditRiskScore":1.0,"loanOptions":[{"fundedAmount":0.0,"fee":0.00,"loanAmount":0.00,"sweep":0.0,"currencyISOCode":"GBP"},{"fundedAmount":0.0,"fee":0.0,"loanAmount":0.0,"sweep":0.0,"currencyISOCode":"GBP"},{"fundedAmount":0.0,"fee":0.0,"loanAmount":0.0,"sweep":0.0,"currencyISOCode":"GBP"}]}'
+        company","overallCreditRiskScore":3.5,"overrideCreditRiskScore":1.0,"loanOptions":[{"fundedAmount":100.0,"fee":0.00,"loanAmount":0.00,"sweep":0.0,"currencyISOCode":"GBP"},{"fundedAmount":0.0,"fee":0.0,"loanAmount":0.0,"sweep":0.0,"currencyISOCode":"GBP"},{"fundedAmount":0.0,"fee":0.0,"loanAmount":0.0,"sweep":0.0,"currencyISOCode":"GBP"}]}'
     http_version:
   recorded_at: Tue, 02 Feb 2021 16:57:58 GMT
 recorded_with: VCR 5.0.0

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: youlend
 version: !ruby/object:Gem::Version
-  version: 1.0.0
+  version: 1.1.3
 platform: ruby
 authors:
 - rikas
 autorequire:
 bindir: exe
 cert_chain: []
-date: 2021-02-03 00:00:00.000000000 Z
+date: 2021-02-05 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: addressable
@@ -256,11 +256,10 @@ files:
 - lib/youlend/configuration.rb
 - lib/youlend/connection.rb
 - lib/youlend/lead.rb
-- lib/youlend/lead_generator.rb
-- lib/youlend/merchant.rb
-- lib/youlend/merchant_generator.rb
+- lib/youlend/params_generators/lead.rb
+- lib/youlend/params_generators/prequalification.rb
 - lib/youlend/path_sanitizer.rb
-- lib/youlend/quote.rb
+- lib/youlend/prequalification.rb
 - lib/youlend/response.rb
 - lib/youlend/version.rb
 - vcr_cassettes/auth_incorrect.yml

data/lib/youlend/lead_generator.rb

@@ -1,63 +0,0 @@
-# frozen_string_literal: true
-
-require 'faker'
-
-module Youlend
-  class LeadGenerator
-    def self.generate
-      new.generate
-    end
-
-    def initialize
-      Faker::Config.locale = 'en-GB'
-
-      generate
-    end
-
-    # Mandatory fields:
-    # * CompanyName
-    # * CompanyType (ltd, plc, llp, dac, soleTrader, aps, as, ks, ivs and is)
-    # * MonthsTrading
-    # * CountryISOCode (GBR, DNK and IRE)
-    # * KeyContactName
-    # * ThirdPartyLeadId
-    # * RegisteredAddress
-    # * ContactPhoneNumber
-    # * MonthlyCardRevenue (must be greater than or equal to '1000')
-    # * ContactEmailAddress
-    # * LoanCurrencyISOCode (ISO 4217 currency code. Valid codes are GBP, EUR and DKK)
-    # * ThirdPartyCustomerId
-    def generate
-      {
-        companyName: 'HOKO LTD',
-        companyType: 'ltd',
-        monthsTrading: rand(3..10),
-        countryISOCode: 'GBR',
-        keyContactName: Faker::Name.name,
-        thirdPartyLeadId: SecureRandom.uuid,
-        registeredAddress: address,
-        contactPhoneNumber: Faker::PhoneNumber.phone_number,
-        monthlyCardRevenue: 10_000,
-        contactEmailAddress: Faker::Internet.email,
-        loanCurrencyISOCode: 'GBP',
-        thirdPartyCustomerId: SecureRandom.uuid,
-        companyNumber: '09525857',                # optional
-        notificationURL: Faker::Internet.url,     # optional
-        thirdPartyMerchantId: SecureRandom.uuid   # optional
-      }
-    end
-
-    private
-
-    def address
-      {
-        line1: Faker::Address.street_address,
-        line2: Faker::Address.secondary_address,
-        city: 'London',
-        region: 'London',
-        areaCode: Faker::Address.zip_code,
-        country: 'UK'
-      }
-    end
-  end
-end

data/lib/youlend/merchant_generator.rb

@@ -1,82 +0,0 @@
-# frozen_string_literal: true
-
-require 'faker'
-
-module Youlend
-  class MerchantGenerator
-    def self.generate
-      new.generate
-    end
-
-    def initialize
-      Faker::Config.locale = 'en-GB'
-
-      generate
-    end
-
-    # Mandatory fields:
-    # * CompanyName
-    # * CompanyType (ltd, plc, llp, dac, partnership, soleTrader, aps, as, ks, ivs and is)
-    # * CompanyNumber
-    # * FinancialData
-    # * CountryISOCode (GBR, DNK and IRE)
-    # * LoanCurrencyISOCode (ISO 4217 currency code. Valid codes are GBP, EUR and DKK)
-    # * ThirdPartyMerchantId
-    def generate
-      {
-        companyName: 'HOKO LTD',
-        companyType: 'ltd',
-        companyNumber: '09525857',
-        financialData: financial_data,
-        countryISOCode: 'GBR',
-        loanCurrencyISOCode: 'GBP',
-        thirdPartyMerchantId: SecureRandom.uuid,
-        significantPersons: [significant_person],     # optional
-        contactEmailAddress: 'oterosantos@gmail.com'  # optional
-      }
-    end
-
-    private
-
-    def financial_data
-      {
-        monthlyCardRevenue: 0,
-        monthlyValueOfPurchaseTransactions: 0,
-        monthlyRevenueFromInvoices: 0,
-        paymentData: payment_data
-      }
-    end
-
-    def payment_data
-      (1..12).to_a.map do |month|
-        formatted_month = format('%02<month>d', month: month)
-
-        {
-          paymentDate: "#{Date.today.year - 1}-#{formatted_month}-01",
-          amount: 5000,
-          currencyISOCode: 'GBP'
-        }
-      end
-    end
-
-    def significant_person
-      {
-        firstName: Faker::Name.first_name,
-        surname: Faker::Name.last_name,
-        address: address,
-        dateOfBirth: Date.parse('1980-01-01').to_s
-      }
-    end
-
-    def address
-      {
-        line1: Faker::Address.street_address,
-        line2: Faker::Address.secondary_address,
-        city: 'London',
-        region: 'London',
-        areaCode: Faker::Address.zip_code,
-        country: 'UK'
-      }
-    end
-  end
-end