Qualification Flow (Lease)

The main difference in the qualification flow for a lease is that a hard credit check is run, which requires the collection of the customer’s Social Security Number. The SSN is encrypted on the client and sent to Motiva and the provider who runs the credit report. It is stored in an encrypted format on Motiva’s servers.

The encryption process:

1. Retrieve the public key.

   Public Key Query

   query PiiPublicKey {
     piiPublicKey
   }

2. Encrypt the SSN with RSA Optimal Asymmetric Encryption Padding (OAEP).

Create lease application

mutation CreateLeaseApplication($input: CreateLeaseApplicationInput!) {
  createLeaseApplication(input: $input) {
    id
    lesseeId
    coLesseeId
    coLesseeEmail
    dealerId
    status
    lesseeStatus
    coLesseeStatus
  }
}

input CreateLeaseApplicationInput {
  coLesseeEmail: String
  dealerId: String!
}

The credit and MVR checks are the same, except that the QualifyCustomerCreditInput requires the encryptedSsn field be sent in place of ssnLastFour.

Qualify customer credit

input QualifyCustomerCreditInput {
  type: QualificationType!
  encryptedSsn: String
}

enum QualificationType {
  LEASE
  SUBSCRIPTION
}

Withdraw lease application

mutation WithdrawLeaseApplication($input: WithdrawLeaseApplicationInput!) {
  withdrawLeaseApplication(input: $input) {
    id
    coLesseeEmail
    dealerId
    status
    lesseeStatus
    coLesseeStatus
  }
}

input WithdrawLeaseApplicationInput {
  id: ID!
}

Get current lease application

query LeaseApplication($input: LeaseApplicationInput) {
  leaseApplication(input: $input) {
    id
    lesseeId
    coLesseeId
    coLesseeEmail
    dealerId
    status
    lesseeStatus
    coLesseeStatus
  }
}

input LeaseApplicationInput {
  dealerId: String
}