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3D Secure 2.0 Risk-Based Authentication Engine (2D)

Interactive 2D flow-diagram simulator of a card-payment risk-scoring engine: watch transactions stream toward a live 3DS2/PSD2-style scoring gate and see how two risk thresholds trade off frictionless approvals, step-up OTP challenges, and false declines. Drag to pan, scroll to zoom.

Cybersecurity2DModerate60 FPS📱 Mobile-adapted⇄ 3D version

Card payments today are guarded less by a single password and more by a real-time risk-scoring pipeline. This 2D simulator diagrams that pipeline top-down: a stream of transactions flows toward a scoring gate where five signals — device trust, geo-velocity, transaction amount, merchant risk, and behavioral biometrics — are blended into one risk score, exactly the shape of a real 3D Secure 2.0 / PSD2 risk-based authentication engine. Two threshold sliders decide whether each transaction sails through frictionlessly, gets an OTP step-up challenge, or is declined outright, while a dark ground-truth ring marks the transactions that are genuinely fraudulent so you can watch false negatives and false declines happen live and see exactly how tightening one threshold trades fraud loss against checkout friction. Drag the canvas to pan and scroll or pinch to zoom.

⚙ Under the hood

Interactive 2D flow-diagram simulator of a card-payment risk-scoring engine: transactions stream toward a live 3DS2/PSD2-style scoring gate that blends five signals into one risk score, and two threshold sliders decide frictionless approval, an OTP step-up challenge, or an outright decline. A dark ground-truth ring marks genuinely fraudulent transactions so you can watch false negatives and false declines happen live. Drag to pan, scroll to zoom.

cybersecurity3D SecurePSD2risk-based authenticationfraud detectionpayment security2D

2D · HTML5 Canvas 2D · 60 FPS target · runs fully client-side, no install