3ds_optimization_playground/simulator.html at main · AdeyinkaAdegbenro/3ds_optimization_playground · GitHub

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<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>3DS Optimization Playground</title>
    <!-- Tailwind CSS CDN -->
    <script src="https://cdn.tailwindcss.com"></script>
    <link href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap" rel="stylesheet">
    <style>
        body {
            font-family: 'Inter', sans-serif;
            background-color: #f3f4f6;
            display: flex;
            justify-content: center;
            align-items: center;
            min-height: 100vh;
            padding: 20px;
        }
        .container {
            background-color: #ffffff;
            border-radius: 12px;
            box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);
            padding: 32px;
            max-width: 800px;
            width: 100%;
            display: flex;
            flex-direction: column;
            gap: 24px;
        }
        .input-group label {
            font-weight: 500;
            color: #374151;
            margin-bottom: 8px;
            display: block;
        }
        .input-group input[type="number"],
        .input-group select {
            width: 100%;
            padding: 10px 14px;
            border: 1px solid #d1d5db;
            border-radius: 8px;
            font-size: 1rem;
            color: #4b5563;
            transition: border-color 0.2s ease-in-out, box-shadow 0.2s ease-in-out;
        }
        .input-group input[type="number"]:focus,
        .input-group select:focus {
            outline: none;
            border-color: #4f46e5;
            box-shadow: 0 0 0 3px rgba(79, 70, 229, 0.2);
        }
        .checkbox-group {
            display: flex;
            align-items: center;
            gap: 10px;
        }
        .checkbox-group input[type="checkbox"] {
            width: 20px;
            height: 20px;
            border-radius: 6px;
            border: 1px solid #d1d5db;
            accent-color: #4f46e5;
        }
        .checkbox-group label {
            font-weight: 400;
            color: #374151;
        }
        .button-primary {
            background-color: #4f46e5;
            color: #ffffff;
            padding: 12px 20px;
            border-radius: 8px;
            font-weight: 600;
            font-size: 1rem;
            cursor: pointer;
            transition: background-color 0.2s ease-in-out, box-shadow 0.2s ease-in-out;
            border: none;
            box-shadow: 0 4px 10px rgba(79, 70, 229, 0.2);
        }
        .button-primary:hover {
            background-color: #4338ca;
            box-shadow: 0 6px 15px rgba(79, 70, 229, 0.3);
        }
        .output-section {
            background-color: #f9fafb;
            border: 1px solid #e5e7eb;
            border-radius: 8px;
            padding: 24px;
        }
        .output-section h3 {
            font-size: 1.25rem;
            font-weight: 600;
            color: #1f2937;
            margin-bottom: 16px;
        }
        .output-item {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 8px 0;
            border-bottom: 1px dashed #e5e7eb;
        }
        .output-item:last-child {
            border-bottom: none;
        }
        .output-item span:first-child {
            color: #4b5563;
            font-weight: 500;
        }
        .output-item span:last-child {
            font-weight: 600;
            color: #1f2937;
        }
        .exemption-info {
            margin-top: 16px;
            padding: 12px;
            background-color: #ecfdf5;
            border: 1px solid #d1fae5;
            border-radius: 8px;
            color: #065f46;
            font-size: 0.9rem;
        }
        .failure-info {
            margin-top: 16px;
            padding: 12px;
            background-color: #fee2e2;
            border: 1px solid #fecaca;
            border-radius: 8px;
            color: #991b1b;
            font-size: 0.9rem;
        }
        .ai-toggle-group {
            display: flex;
            align-items: center;
            justify-content: flex-end; /* Align to the right */
            gap: 10px;
            margin-bottom: 16px;
        }
        .ai-toggle-group label {
            font-weight: 500;
            color: #374151;
        }
        /* Custom toggle switch styling */
        .switch {
            position: relative;
            display: inline-block;
            width: 48px;
            height: 28px;
        }

        .switch input {
            opacity: 0;
            width: 0;
            height: 0;
        }

        .slider {
            position: absolute;
            cursor: pointer;
            top: 0;
            left: 0;
            right: 0;
            bottom: 0;
            background-color: #ccc;
            -webkit-transition: .4s;
            transition: .4s;
            border-radius: 28px;
        }

        .slider:before {
            position: absolute;
            content: "";
            height: 20px;
            width: 20px;
            left: 4px;
            bottom: 4px;
            background-color: white;
            -webkit-transition: .4s;
            transition: .4s;
            border-radius: 50%;
        }

        input:checked + .slider {
            background-color: #4f46e5;
        }

        input:focus + .slider {
            box-shadow: 0 0 1px #4f46e5;
        }

        input:checked + .slider:before {
            -webkit-transform: translateX(20px);
            -ms-transform: translateX(20px);
            transform: translateX(20px);
        }
    </style>
</head>
<body>
    <div class="container">
        <h1 class="text-3xl font-bold text-center text-gray-800">3DS Optimization Playground</h1>
        <p class="text-center text-gray-600">Simulate 3DS flow and exemption impacts.</p>

        <div class="ai-toggle-group">
            <label for="aiModelToggle">Enable AI Model (Auto-tune parameters)</label>
            <label class="switch">
                <input type="checkbox" id="aiModelToggle">
                <span class="slider"></span>
            </label>
        </div>

        <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
            <div class="input-group">
                <label for="amount">Transaction Amount ($)</label>
                <input type="number" id="amount" value="100.00" min="0.01" step="0.01">
            </div>
            <div class="input-group">
                <label for="cofStatus">Credential on File (CoF) Status</label>
                <select id="cofStatus">
                    <option value="none">Not CoF</option>
                    <option value="merchantInitiated">Merchant Initiated Transaction (MIT)</option>
                    <option value="customerInitiated">Customer Initiated Transaction (CIT)</option>
                </select>
            </div>
            <div class="input-group">
                <label for="challengeIndicator">Challenge Indicator</label>
                <select id="challengeIndicator">
                    <option value="noPreference">No Preference</option>
                    <option value="noChallenge">No Challenge Requested</option>
                    <option value="challengeMandated">Challenge Mandated</option>
                </select>
            </div>
            <div class="input-group checkbox-group">
                <input type="checkbox" id="piiPresence">
                <label for="piiPresence">PII (Personally Identifiable Information) Present?</label>
            </div>
        </div>

        <button id="simulateBtn" class="button-primary">Simulate 3DS Flow</button>

        <div id="outputSection" class="output-section hidden">
            <h3 class="text-xl font-semibold text-gray-800 mb-4">Simulation Results</h3>
            <div class="output-item">
                <span>Outcome:</span>
                <span id="outcome"></span>
            </div>
            <div class="output-item">
                <span>Frictionless Rate:</span>
                <span id="frictionlessRate"></span>
            </div>
            <div class="output-item">
                <span>Challenge Rate:</span>
                <span id="challengeRate"></span>
            </div>
            <div class="output-item">
                <span>Failure Rate:</span>
                <span id="failureRate"></span>
            </div>
            <div id="exemptionReason" class="exemption-info hidden"></div>
            <div id="failureReason" class="failure-info hidden"></div>
        </div>
    </div>

    <script>
        // DOM Elements
        const amountInput = document.getElementById('amount');
        const cofStatusSelect = document.getElementById('cofStatus');
        const challengeIndicatorSelect = document.getElementById('challengeIndicator');
        const piiPresenceCheckbox = document.getElementById('piiPresence');
        const aiModelToggle = document.getElementById('aiModelToggle');
        const simulateBtn = document.getElementById('simulateBtn');
        const outputSection = document.getElementById('outputSection');
        const outcomeSpan = document.getElementById('outcome');
        const frictionlessRateSpan = document.getElementById('frictionlessRate');
        const challengeRateSpan = document.getElementById('challengeRate');
        const failureRateSpan = document.getElementById('failureRate');
        const exemptionReasonDiv = document.getElementById('exemptionReason');
        const failureReasonDiv = document.getElementById('failureReason');

        // --- Global Rates for AI Model Persistence ---
        // These rates will now persist across multiple simulations when AI model is enabled.
        let currentFrictionlessRate = 0.60;
        let currentChallengeRate = 0.30;
        let currentFailureRate = 0.10;

        // Event Listener for Simulate Button
        simulateBtn.addEventListener('click', simulate3DS);

        /**
         * Simulates the 3DS flow based on user inputs and internal logic.
         */
        function simulate3DS() {
            // Get input values
            const amount = parseFloat(amountInput.value);
            const cofStatus = cofStatusSelect.value;
            const challengeIndicator = challengeIndicatorSelect.value;
            const piiPresent = piiPresenceCheckbox.checked;
            const aiModelEnabled = aiModelToggle.checked;

            // Initialize outcome and reason variables for the current run
            let outcome = 'Unknown';
            let exemptionReason = '';
            let failureReason = '';

            // Reset previous outputs
            exemptionReasonDiv.classList.add('hidden');
            failureReasonDiv.classList.add('hidden');
            exemptionReasonDiv.innerHTML = '';
            failureReasonDiv.innerHTML = '';

            // --- 3DS Logic and Exemption Evaluation ---

            // 1. Transaction Risk Analysis (TRA) Exemption (Simplified)
            let traExemptionEligible = false;
            if (amount <= 50 && cofStatus !== 'none' && piiPresent) {
                traExemptionEligible = true;
            } else if (amount <= 30 && cofStatus !== 'none') {
                traExemptionEligible = true;
            }

            // 2. Low Value Exemption (LVE)
            let lveEligible = false;
            if (amount <= 30) { // Example threshold for LVE
                lveEligible = true;
            }

            // 3. Recurring Payments / Merchant Initiated Transactions (MIT) Exemption
            let recurringExemptionEligible = false;
            if (cofStatus === 'merchantInitiated' || cofStatus === 'customerInitiated') {
                recurringExemptionEligible = true;
            }

            let exemptionApplied = false;
            if (lveEligible) {
                exemptionApplied = true;
                exemptionReason = 'Low Value Exemption (LVE): Transaction amount is below the low value threshold.';
            } else if (recurringExemptionEligible) {
                exemptionApplied = true;
                exemptionReason = 'Recurring Payments/MIT Exemption: Transaction is a Credential on File (CoF) payment.';
            } else if (traExemptionEligible) {
                exemptionApplied = true;
                exemptionReason = 'Transaction Risk Analysis (TRA) Exemption: Low amount, CoF, and PII present indicate lower risk.';
            }

            // --- ACS Random Challenge Logic ---
            let acsMandatedChallenge = false;
            // Only consider random challenge if no exemption was applied and challenge indicator is 'noPreference' or 'noChallenge'
            if (!exemptionApplied && (challengeIndicator === 'noPreference' || challengeIndicator === 'noChallenge')) {
                const randomChallengeRoll = Math.random();
                if (randomChallengeRoll < 0.25) { // 1 in 4 chance (25%)
                    acsMandatedChallenge = true;
                }
            }

            // Determine final outcome based on challenge indicator, exemptions, and ACS random challenge
            if (challengeIndicator === 'challengeMandated') {
                outcome = 'Challenge (Mandated)';
                exemptionApplied = false; // A mandated challenge overrides any exemption logic
                exemptionReason = ''; // Clear exemption reason if challenge is mandated
            } else { // 'noPreference' or 'noChallenge'
                if (exemptionApplied) {
                    // Explicitly set outcome when an exemption applies
                    outcome = 'Frictionless (Exempted)';
                } else if (acsMandatedChallenge) {
                    // ACS randomly mandated a challenge
                    outcome = `Challenge (ACS Mandated - ${challengeIndicator === 'noChallenge' ? 'No Challenge Requested' : 'No Preference'})`;
                } else {
                    // Default behavior if no exemption and no ACS mandated challenge
                    if (challengeIndicator === 'noChallenge') {
                        outcome = 'Frictionless (No Challenge Requested)';
                    } else { // 'noPreference'
                        // Simulate a random outcome based on the current (potentially AI-tuned) rates
                        const random = Math.random();
                        if (random < currentFrictionlessRate) {
                            outcome = 'Frictionless';
                        } else if (random < currentFrictionlessRate + currentChallengeRate) {
                            outcome = 'Challenge';
                        } else {
                            outcome = 'Failure';
                            failureReason = 'Simulated failure due to high risk or technical issue.';
                        }
                    }
                }
            }

            // AI Model Impact (Simplified)
            if (aiModelEnabled) {
                // AI model "tunes" parameters to optimize frictionless flow
                // These changes now persist because currentFrictionlessRate, etc., are global
                // Note: this is a simplified representation of the fine-tuning AI does for demo purposes only.
                // It is however not real AI.
                if (outcome.includes('Frictionless')) {
                    currentFrictionlessRate = Math.min(0.95, currentFrictionlessRate + 0.05); // Increase frictionless
                    currentChallengeRate = Math.max(0.01, currentChallengeRate - 0.03); // Decrease challenge
                    currentFailureRate = Math.max(0.01, currentFailureRate - 0.02);     // Decrease failure
                    if (!exemptionApplied) { // If AI helped achieve frictionless without explicit exemption
                        exemptionReason = exemptionReason || 'AI Model Optimization: Transaction identified as low risk for frictionless flow.';
                        exemptionReasonDiv.classList.remove('hidden');
                    }
                } else if (outcome.includes('Challenge')) {
                    // AI tries to reduce future challenges for similar transactions
                    currentFrictionlessRate = Math.min(0.90, currentFrictionlessRate + 0.02);
                    currentChallengeRate = Math.max(0.05, currentChallengeRate - 0.02);
                    exemptionReason = exemptionReason || 'AI Model Optimization: Future transactions of this type may see increased frictionless rates.';
                    exemptionReasonDiv.classList.remove('hidden');
                } else if (outcome.includes('Failure')) {
                     // AI tries to reduce future failures
                    currentFailureRate = Math.max(0.01, currentFailureRate - 0.01);
                    exemptionReason = exemptionReason || 'AI Model Optimization: Future transactions of this type may see reduced failure rates.';
                    exemptionReasonDiv.classList.remove('hidden');
                }
            } else {
                // If AI model is disabled, ensure rates revert to base or remain static
                // For this simulation, we'll reset them if AI is turned off
                currentFrictionlessRate = 0.60;
                currentChallengeRate = 0.30;
                currentFailureRate = 0.10;
            }


            // Ensure rates sum to 100% (with some tolerance for floating point)
            const totalRate = currentFrictionlessRate + currentChallengeRate + currentFailureRate;
            if (totalRate > 1.001 || totalRate < 0.999) {
                // Normalize if they drift significantly
                const factor = 1 / totalRate;
                currentFrictionlessRate *= factor;
                currentChallengeRate *= factor;
                currentFailureRate *= factor;
            }


            // Display Results
            outcomeSpan.textContent = outcome;
            frictionlessRateSpan.textContent = `${(currentFrictionlessRate * 100).toFixed(2)}%`;
            challengeRateSpan.textContent = `${(currentChallengeRate * 100).toFixed(2)}%`;
            failureRateSpan.textContent = `${(currentFailureRate * 100).toFixed(2)}%`;

            if (exemptionReason) {
                exemptionReasonDiv.innerHTML = `<strong>Exemption/Optimization Info:</strong> ${exemptionReason}`;
                exemptionReasonDiv.classList.remove('hidden');
            }
            if (failureReason) {
                failureReasonDiv.innerHTML = `<strong>Failure Reason:</strong> ${failureReason}`;
                failureReasonDiv.classList.remove('hidden');
            }

            outputSection.classList.remove('hidden');
        }
    </script>
</body>
</html>