public function sendBorrowerDeclinedEvent(Borrower $borrower)
{
$userId = $borrower->getId();
$data = array('$type' => 'decline', '$api_key' => $this->siftScienceKey, '$user_id' => $userId, '$is_bad' => true, 'reasons' => 'Declined', '$description' => 'Borrower application declined', '$time' => time());
$siftScienceUrl = "https://api.siftscience.com/v203/users/" . $userId . "/labels";
$this->sendEvent($siftScienceUrl, json_encode($data));
}
public function maximumPeriod()
{
$maximumMonths = Setting::get('loan.maximumPeriod');
if ($this->borrower->getCountry()->getInstallmentPeriod() == Loan::WEEKLY_INSTALLMENT) {
$maximumMonths = ceil($maximumMonths / 12 * 52);
}
return $maximumMonths;
}
public function verify(Borrower $borrower, User $user, $data)
{
$borrower->setActivationStatus($data['isEligibleByAdmin'] ? Borrower::ACTIVATION_APPROVED : Borrower::ACTIVATION_DECLINED);
$borrower->save();
if ($borrower->isActivationApproved()) {
$this->borrowerMailer->sendApprovedConfirmationMail($borrower);
} else {
$this->borrowerMailer->sendDeclinedConfirmationMail($borrower);
$this->siftScienceService->sendBorrowerDeclinedEvent($borrower);
}
}
public function applyForLoan(Borrower $borrower, $data)
{
$exchangeRate = ExchangeRateQuery::create()->findCurrent($borrower->getCountry()->getCurrency());
$data['currencyCode'] = $borrower->getCountry()->getCurrencyCode();
$loanCategory = CategoryQuery::create()->findOneById($data['categoryId']);
$data['nativeAmount'] = $data['amount'];
// TODO
$data['amount'] = Converter::toUSD(Money::create($data['nativeAmount'], $data['currencyCode']), $exchangeRate)->getAmount();
$loan = Loan::createFromData($data);
$loan->setCategory($loanCategory)->setBorrower($borrower)->setStatus(Loan::OPEN);
PropelDB::transaction(function ($con) use($loan) {
$loan->save($con);
$this->changeLoanStage($con, $loan, null, Loan::OPEN);
});
$this->borrowerMailer->sendLoanConfirmation($borrower, $loan);
// TODO send mail to lenders
$this->addToLoanIndex($loan);
}
public function getPaginatedComments(Borrower $borrower, $page, $maxPerPage)
{
$roots = CommentQuery::create()->filterByBorrowerId($borrower->getId())->filterByLevel(0)->orderById('desc')->paginate($page, $maxPerPage);
$comments = CommentQuery::create()->filterByRootId($roots->toKeyValue('id', 'id'))->filterByLevel(['min' => 1])->orderById('asc')->find();
$idToComments = [];
foreach ($roots as $root) {
$idToComments[$root->getId()] = $root;
}
foreach ($comments as $comment) {
$idToComments[$comment->getId()] = $comment;
}
foreach ($comments as $comment) {
if (!$comment->isRoot()) {
$parentComment = $idToComments[$comment->getParentId()];
$parentComment->addChild($comment);
}
}
return $roots;
}
public function sendDeclinedConfirmationMail(Borrower $borrower)
{
$subject = \Lang::get('borrowerActivation.email.declined.subject', ['name' => $borrower->getName()]);
$data = ['borrowerName' => $borrower->getName(), 'to' => $borrower->getUser()->getEmail(), 'from' => '*****@*****.**', 'subject' => $subject];
$this->mailer->send('emails.borrower.activation.declined-confirmation', $data);
}
public function isFacebookRequired(Borrower $borrower)
{
$user = $borrower->getUser();
$facebookId = $user->getFacebookId();
$createdAt = $user->getCreatedAt();
$requiredDate = \DateTime::createFromFormat('j-M-Y', '1-Jan-2014');
$borrowerRequiresFacebook = $borrower->getCountry()->isFacebookRequired();
return $borrowerRequiresFacebook && !$facebookId && $createdAt > $requiredDate;
}
public function getNestedData()
{
$data = $this->getData() + $this->borrower->getPersonalInformation();
return Utility::nestedArray($data);
}
public function getDefaultData()
{
return ['isEligibleByAdmin' => $this->borrower->isActivationApproved()];
}
public function getDefaultData()
{
$review = $this->borrower->getReview();
return ['isAddressLocatable' => $review ? $review->getIsAddressLocatable() : true, 'isAddressLocatableNote' => $review ? $review->getIsAddressLocatableNote() : ''];
}
