Notify Clients

To provide notifications to its customers Product’s contract can use Notification microservice, which provides notifications based on triggering events.

This microservice informs Product’s contract and its customers about the processing and the state of his application for policy, policy itself, payment details, his claim for policy and payout details via e-mail as well as notifies Product builders via Telegram chat specifically.

There are two main transports available for Product contractss on Etherisc platform:

• SMTP transport
• Telegram transport

Notification microservice receives an event message about the need for delivery from other microservices and sends it for delivery to the appropriate transports.

Every message for Notification MS contains what, where and with what credentials to send.

The event message should include the following data:

1. name of the template;
2. data to fill in the template;
3. properties (i.e. recipient e-mail)

Product may create branded templates to use instead of default templates. Notification microservice simply takes a template, substitutes the data and sends it where it is requested. A Product’s contract can have templates in any languages, saving them to platform templates.

Product application provides notificationSettingsUpdate event with branded templates and description what notification are to be used.

See code details:

transports: [
        {
          name: 'smtp',
          props: {
            from: 'noreply@etherisc.com',
        },
          events: ['application_declined', 'application_error'],
        },
        {
          name: 'telegram',
          props: {
            chatId:'54321',
        },
          events: ['application_declined', 'application_error'],
        },
      ],

templates: [
        {
          name: 'application_error',
          transport: 'smtp',
          template: '<h1>Application Error {{policy.id}}</h1>',
        },
        {
          name: 'application_error',
          transport: 'telegram',
          template: 'Application Error {{policy.id}}',
        },
      ];

      type: 'application_error',
      data: { policy: { id: 1514 } },
      props: {
        recipient: 'foo@email.com',
        subject: 'Etherisc application error',
      }

See events triggers here:

Message Name	Description	Triggered
quote_successful	Your quote is created successfully. We are contacting you regarding payment details. Please provide a necessary payment for premium	Application state is changed to “Underwritten”
charge_cancelled	We’re unable to process your payment card. Please try another card	Payment request to provider was not successful
application _declined	We are sorry to inform that the application for Policy has been declined by underwriter	Application state is changed to “Declined”
application_error	Technical error: the requested application has not been found	Application has not been found
premium_paid	We’ve received your premium payment	Customer has paid a premium
application_revoked	We confirm that the application for Policy has been revoked. Your premium minus cancellation fee will be sent back to you	Application state is changed to “Revoked”
policy_issued	We confirm that Policy has been issued. Details below…	Token has been issued. Policy is created
policy_error	Technical error: the requested policy has not been found	Policy has not been found
policy_expired	We inform you that Policy has been expired	Policy state is changed to “Expired”
claim_confirmed	Your claim regarding Policy has been confirmed. The payout will be transferred to your payment card	Claim state is changed to “Confirmed”
claim_declined	We inform you that your claim regarding Policy has been declined	Claim state is changed to “Declined”
claim_error	Technical error: the requested claim has not been found	Claim has not been found
claim_paid_out	Your claim for Policy has been paid out	Payout state is changed to “PaidOut”

View Ledger of Funds on Different Accounts

There are several accounts we distribute money to:

• Balance - wallet is used to transfer funds;
• Premium - amount of money client pays for the policy;
• Risk Fund - fund which covers risks in case of payout;
• Operations Fund - fund which covers all operational costs (pricing, underwriting, oracle costs);
• Oracle Costs - amount of money we pay for pricing, underwriting, events confirmation;
• Payout - amount of money client gets when policy risk actually happens;
• Reward - payment to Etherisc platform from premiums (might not need it).