Vehicle Leasing Integration Manual

Developer guidance for integrating DecisioQ lease origination, vehicle selection, portfolio, renewal, end-of-lease, and damage-review workflows.
1Vehicle Leasing Overview

Vehicle leasing integrations use DecisioQ when an application needs to compare lease alternatives, explain recommendations, and preserve a clear decision audit trail across origination, pricing, renewal, portfolio management, damage review, and end-of-lease disposition workflows.

The current public automotive catalog does not expose Vehicle Leasing as a separate top-level sector. Leasing-related decisions are currently represented through active catalog sectors such as Fleet Vehicle Management and New Car Dealership, and through reusable Decision Preparation Model assets for lease portfolio workflows.

Because of that, client applications should always load the Decision Catalog and use the returned Sector, Category, Decision, Decision Preparation Model, and Scenario metadata. Do not invent a Vehicle Leasing sector code or hard-code old decision identifiers unless they are returned by the active catalog endpoint.

2Catalog Discovery Flow

Leasing applications should use the same discovery flow as the Business Decision Studio:

  1. Load GET /decisioncatalog through the approved server-side Decision Catalog gateway.
  2. Populate Sector from catalog.sectors[]. For leasing workflows, common current sectors include AUTO-FLEET for fleet lease portfolio decisions and AUTO-NCD for dealership lease offers, finance, incentives, and customer lifecycle decisions.
  3. Populate Category from selectedSector.categories[].
  4. Populate Decision from selectedCategory.decisions[] when available, or call /decisioncatalog/sectors/{sectorCode}/categories/{categoryCode}/decisions.
  5. Display Decision Name only in the dropdown while keeping decisionId as the option value.
  6. Load full decision detail from /decisioncatalog/decisions/{decisionId} before rendering Guided Data Collection.

For regional deployments, keep DecisioQ technical identifiers stable and localize only user-facing labels and guidance. Unless the selected endpoint and decision schema explicitly support unit-qualified input, convert mileage, distance, pressure, temperature, mass, volume, speed, fuel consumption, and other measurements to the required canonical units before submission. Do not infer units or currency from locale.

Leasing WorkflowCurrent Catalog DirectionRepresentative Decisions
Fleet lease acquisitionFleet Vehicle ManagementDetermine Lease vs Buy Strategy, vehicle acquisition, fleet procurement
Lease renewal and replacementFleet Vehicle ManagementEvaluate Lease Renewal Option, vehicle replacement, vehicle retirement
Retail lease offer selectionNew Car DealershipDetermine Lease vs Purchase, Determine Lease Promotion
End-of-lease damage or claim reviewInsurance, fleet, rental, or leasing profile assetsLease damage claim evaluation, total loss evaluation, warranty or damage review
Recall and compliance prioritizationReusable automotive decision profilesRecall prioritization, compliance review, risk triage
3Leasing Use Cases
WorkflowBusiness QuestionSystems Involved
Lease origination supportWhich lease structure, vehicle, term, mileage plan, or risk path should be recommended for the applicant?Dealer portal, CRM, finance platform, identity, credit, inventory, pricing
Lease vs buy analysisWhich ownership path offers the best balance of payment, residual exposure, tax, customer fit, and long-term value?F&I, pricing, finance, tax, incentives, customer preference systems
Portfolio acquisitionWhich vehicles should be acquired or allocated for lease portfolio placement?Inventory, remarketing, fleet planning, valuation, demand forecasting
Renewal and upgradeWhich customer or contract should receive renewal, pull-ahead, upgrade, buyout, or retention treatment?CRM, contract management, loyalty, payment history, market value, customer communications
End-of-lease dispositionWhich returned vehicles should be reconditioned, retailed, remarketed, wholesaled, retired, or held?Inspection, damage estimating, residual, auction, recon, title, logistics
Damage and claim reviewWhich lease damage cases should be charged, waived, reviewed, escalated, or routed to claim handling?Inspection photos, damage estimate, contract terms, customer history, insurance, claims
4Business Data Mapping

Vehicle leasing integrations should map lease application, customer, vehicle, pricing, contract, inspection, residual, remarketing, and portfolio data into decision-specific Business Data. The selected decision detail defines which criteria are required and how each value should be measured.

Business Data SourceCommon UseIntegration Notes
Customer and application dataCustomer ID, income band, residency, business account, loyalty, payment history, identity outcomeSend only decision-relevant data and prefer normalized indicators over unnecessary personal details.
Lease terms and pricingTerm months, annual mileage, due-at-signing, monthly payment, incentives, residual, money factor, feesNormalize financial values and make units clear before execution.
Vehicle and inventoryVIN, model, trim, MSRP, availability, delivery time, residual estimate, maintenance profileUse stable stock, VIN, and portfolio identifiers for auditability.
Portfolio and fleet dataUtilization, replacement timing, demand, allocation, vehicle age, maintenance cost, contract statusRefresh operational values close to execution time for assignment and replacement decisions.
Inspection and end-of-leaseReturn inspection score, odometer, damage estimate, wear condition, repair cost, market valueKeep inspection facts separate from recommended disposition actions.
Compliance and policyJurisdiction, disclosure status, risk flags, eligibility result, approval authorityKeep deterministic compliance rules auditable and pass decision-ready outcomes into DecisioQ where useful.

Do not invent criterion IDs. Use the canonical criteria returned by /decisioncatalog/decisions/{decisionId}, including criterion overview metadata, unit, direction, scale, and data guidance.

5Preview and Execute Workflow
  1. Authenticate through the approved server-side identity flow. Browser pages should not directly handle credentials.
  2. Load the Decision Catalog and let the user choose Sector, Category, Decision, Decision Preparation Model, and Scenario.
  3. Load decision detail and render Guided Data Collection from returned criteria.
  4. User or system prepares Business Data for candidate lease offers, vehicles, contracts, customers, renewal actions, damage cases, or disposition actions.
  5. Call POST /api/v1/validate to validate and prepare the decision input before execution.
  6. Call POST /api/v1/decide to return the authoritative Decision Result.
  7. Display recommendation, ranked alternatives, warnings, assumptions, and Explanation of Decision Result.
  8. Keep execution trace and diagnostics collapsed by default for developer and integrator review.
6Example Request Shape

The exact fields depend on the selected catalog decision. The example below shows the integration style for a leasing workflow rather than a guaranteed schema for every decision.

{
  "decisionId": "AUTO-FLEET-014",
  "decisionPreparationModelId": "AUTO-FLEET-PROFILE-STANDARD",
  "scenarioId": "AUTO-FLEET-SCENARIO-LEASE-RENEWAL",
  "businessData": {
    "correlationId": "lease-renewal-20260717-1042",
    "workflow": "Lease Renewal Review",
    "portfolioId": "LEASE-PORTFOLIO-NE",
    "options": [
      {
        "optionId": "RENEWAL-OFFER-36M-LOW-PAYMENT",
        "label": "36 Month Low Payment Renewal",
        "values": {
          "customerFitScore": 88,
          "residualRiskScore": 32,
          "profitabilityScore": 74,
          "retentionValueScore": 90,
          "operationalReadinessScore": 81
        }
      },
      {
        "optionId": "UPGRADE-OFFER-NEW-MODEL",
        "label": "Upgrade to Newer Model",
        "values": {
          "customerFitScore": 82,
          "residualRiskScore": 45,
          "profitabilityScore": 86,
          "retentionValueScore": 84,
          "operationalReadinessScore": 70
        }
      }
    ]
  }
}
7Backend Call Pattern

Call DecisioQ from a trusted backend service. Keep identity credentials, account verification, and service configuration outside public browser code.

async function executeVehicleLeasingDecision(jwtToken, preparedDecisionInput) {
  const response = await fetch(`${process.env.DECISIOQ_BASE_URL}/api/v1/decide`, {
    method: "POST",
    headers: {
      "Authorization": `Bearer ${jwtToken}`,
      "Content-Type": "application/json"
    },
    body: JSON.stringify(preparedDecisionInput)
  });

  const payload = await response.json();

  if (!response.ok) {
    throw new Error(payload.message || "Decision execution failed.");
  }

  return payload;
}
8UI and Workflow Integration
  • Use a guided decision selector: Sector, Category, Decision, Decision Preparation Model, and Scenario.
  • Show Selection Overview for sector, category, and decision metadata so business users understand the decision before entering data.
  • Render Guided Data Collection from criterion definitions and show criterion overview summaries where available.
  • Display Decision Name in selectors and show the selected decisionId separately for developers and integrators.
  • For leasing staff, keep screens focused on recommendation, reason, required action, warnings, and next step.
  • Keep execution trace and diagnostics available to integrators but collapsed by default.
  • Never expose internal proxy URLs, service credentials, signing keys, or account verification details in browser code.
9Production Readiness
  • Confirm each leasing workflow maps to a decision actually returned by the active Decision Catalog.
  • Validate Business Data before execution and show user-friendly validation messages.
  • Persist correlation ID, customer ID, application ID, contract ID, VIN, stock number, portfolio ID, decision ID, profile ID, scenario ID, selected option, score, and explanation for audit.
  • Retain the successful decision response requestId with the host business transaction, then call POST /api/v1/decision-outcomes when the action and realized result are known.
  • Require an overrideReason for overridden recommendations; never infer acceptance merely because a result was displayed.
  • Monitor GET /api/v1/decision-outcomes/summary for acceptance rate, override rate, and realized-value aggregates. Treat outcome feedback as reporting evidence, not automatic model training.
  • Keep finance, compliance, and contract eligibility rules deterministic where required; use DecisioQ for multi-factor ranking, prioritization, and recommendation decisions.
  • Monitor preview failures, execution failures, account verification errors, timeout rates, and unexpected warning counts.
  • Review Decision Preparation Models and scenario assumptions with leasing, finance, remarketing, compliance, and portfolio owners when policies or market conditions change.
10Troubleshooting
SymptomLikely CauseFix
Vehicle Leasing is not listed as a Sector.The active public catalog does not currently expose Vehicle Leasing as a top-level sector.Use the returned catalog sectors and map leasing workflows to available decisions, commonly Fleet Vehicle Management or New Car Dealership.
Category list is empty.The client is reading an old category layer or the selected sector does not include categories.Use selectedSector.categories[] from /decisioncatalog.
Decision dropdown shows IDs only.The client did not load decision detail or category decision names.Display Decision Name as the label and keep decision ID as the option value.
Criterion guidance is missing.Decision detail lacks criterion overview metadata or the page is not rendering it.Read criterion overview from /decisioncatalog/decisions/{decisionId} and show available summaries.
Decision execution failed.Decision API unavailable, invalid Business Data, authorization failure, or account verification issue.Check response envelope, HTTP status, correlation ID, Decision API health, and server logs.
Unexpected recommendation.Scale, units, direction, or values do not match catalog criterion guidance.Compare Business Data fields against criterion overview and validation metadata.
Lease renewal recommendation seems stale.Customer, residual, payment, inventory, or market values changed after the decision input was prepared.Refresh source-system context close to execution time and include data freshness where available.