Chore: refactor and migrate Payment fraud to app router INTER-911, INTER-459

e2e/payment-fraud.spec.ts

@@ -1,7 +1,7 @@
 import { Page, test } from '@playwright/test';
 import { blockGoogleTagManager, resetScenarios } from './e2eTestUtils';
 import { TEST_IDS } from '../src/client/testIDs';
-import { PAYMENT_FRAUD_COPY } from '../src/server/paymentFraud/copy';
+import { PAYMENT_FRAUD_COPY } from '../src/app/payment-fraud/api/place-order/copy';
 
 const submit = (page: Page) => page.getByTestId(TEST_IDS.paymentFraud.submitPayment).click();
 

src/pages/payment-fraud/index.tsx → src/app/payment-fraud/PaymentFraud.tsx

@@ -1,3 +1,5 @@
+'use client';
+
 import { useState } from 'react';
 import { UseCaseWrapper } from '../../client/components/common/UseCaseWrapper/UseCaseWrapper';
 import React from 'react';
@@ -7,14 +9,14 @@ import Button from '../../client/components/common/Button/Button';
 import styles from './paymentFraud.module.scss';
 import formStyles from '../../styles/forms.module.scss';
 import { Alert } from '../../client/components/common/Alert/Alert';
-import { CustomPageProps } from '../_app';
 import classNames from 'classnames';
 import { useVisitorData } from '@fingerprintjs/fingerprintjs-pro-react';
 import { TEST_IDS } from '../../client/testIDs';
-import { Severity } from '../../server/checks';
+import { PaymentPayload, PaymentResponse } from './api/place-order/route';
+import { useMutation } from 'react-query';
 
-export default function Index({ embed }: CustomPageProps) {
-  const { getData } = useVisitorData(
+export function PaymentFraud() {
+  const { getData: getVisitorData } = useVisitorData(
     { ignoreCache: true },
     {
       immediate: false,
@@ -25,51 +27,45 @@ export default function Index({ embed }: CustomPageProps) {
   const [cardNumber, setCardNumber] = useState('4242 4242 4242 4242');
   const [cardCvv, setCardCvv] = useState('123');
   const [cardExpiration, setCardExpiration] = useState('04/28');
-
-  const [orderStatusMessage, setOrderStatusMessage] = useState();
-  const [applyChargeback, setApplyChargeback] = useState(false);
+  const [filedChargeback, setFiledChargeback] = useState(false);
   const [usingStolenCard, setUsingStolenCard] = useState(false);
-  const [severity, setSeverity] = useState<Severity | undefined>();
-  const [isWaitingForResponse, setIsWaitingForResponse] = useState(false);
-  const [httpResponseStatus, setHttpResponseStatus] = useState<number | undefined>();
+
+  const {
+    mutate: submitPayment,
+    isLoading: isLoadingPayment,
+    data: paymentResponse,
+    error: paymentNetworkError,
+  } = useMutation<PaymentResponse, Error, Omit<PaymentPayload, 'requestId'>, unknown>({
+    mutationKey: ['request loan'],
+    mutationFn: async (payment) => {
+      const { requestId } = await getVisitorData({ ignoreCache: true });
+      const response = await fetch('/payment-fraud/api/place-order', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          ...payment,
+          requestId,
+        } satisfies PaymentPayload),
+      });
+      return await response.json();
+    },
+  });
 
   async function handleSubmit(e: React.FormEvent<HTMLFormElement>) {
     e.preventDefault();
-    setIsWaitingForResponse(true);
-
-    const fpData = await getData();
-    const { requestId, visitorId } = fpData;
-
-    const orderData = {
-      cardNumber,
-      cardCvv,
-      cardExpiration,
-      applyChargeback,
+    submitPayment({
+      filedChargeback: filedChargeback,
       usingStolenCard,
-      visitorId,
-      requestId,
-    };
-
-    // Server-side handler for this route is located in api/payment-fraud/place-order.js file.
-    const response = await fetch('/api/payment-fraud/place-order', {
-      method: 'POST',
-      body: JSON.stringify(orderData),
-      headers: {
-        'Content-Type': 'application/json',
-        Accept: 'application/json',
+      card: {
+        number: cardNumber,
+        cvv: cardCvv,
+        expiration: cardExpiration,
       },
     });
-
-    const responseJson = await response.json();
-    const responseStatus = response.status;
-    setOrderStatusMessage(responseJson.message);
-    setSeverity(responseJson.severity);
-    setHttpResponseStatus(responseStatus);
-    setIsWaitingForResponse(false);
   }
 
   return (
-    <UseCaseWrapper useCase={USE_CASES.paymentFraud} embed={embed}>
+    <UseCaseWrapper useCase={USE_CASES.paymentFraud}>
       <div className={formStyles.wrapper}>
         <form onSubmit={handleSubmit} className={classNames(formStyles.useCaseForm, styles.paymentForm)}>
           <label>Card Number</label>
@@ -116,7 +112,7 @@ export default function Index({ embed }: CustomPageProps) {
               <input
                 type='checkbox'
                 name='applyChargeback'
-                onChange={(event) => setApplyChargeback(event.target.checked)}
+                onChange={(event) => setFiledChargeback(event.target.checked)}
                 data-testid={TEST_IDS.paymentFraud.askForChargeback}
               />
               Ask for chargeback after purchase
@@ -135,14 +131,15 @@ export default function Index({ embed }: CustomPageProps) {
             </label>
           </div>
 
-          {httpResponseStatus ? <Alert severity={severity ?? 'warning'}>{orderStatusMessage}</Alert> : null}
+          {paymentNetworkError ? <Alert severity='error'>{paymentNetworkError.message}</Alert> : null}
+          {paymentResponse ? <Alert severity={paymentResponse.severity}>{paymentResponse.message}</Alert> : null}
           <Button
-            disabled={isWaitingForResponse}
+            disabled={isLoadingPayment}
             size='large'
             type='submit'
             data-testid={TEST_IDS.paymentFraud.submitPayment}
           >
-            {isWaitingForResponse ? 'Hold on, doing magic...' : 'Place Order'}
+            {isLoadingPayment ? 'Hold on, doing magic...' : 'Place Order'}
           </Button>
         </form>
       </div>

src/app/payment-fraud/api/place-order/database.ts

@@ -0,0 +1,34 @@
+import { Model, InferAttributes, InferCreationAttributes, DataTypes, Attributes } from 'sequelize';
+import { sequelize } from '../../../../server/server';
+
+interface PaymentAttemptAttributes
+  extends Model<InferAttributes<PaymentAttemptAttributes>, InferCreationAttributes<PaymentAttemptAttributes>> {
+  visitorId: string;
+  filedChargeback: boolean;
+  usingStolenCard: boolean;
+  wasSuccessful: boolean;
+  timestamp: number;
+}
+
+export const PaymentAttemptDbModel = sequelize.define<PaymentAttemptAttributes>('payment-attempt', {
+  visitorId: {
+    type: DataTypes.STRING,
+  },
+  filedChargeback: {
+    type: DataTypes.BOOLEAN,
+  },
+  usingStolenCard: {
+    type: DataTypes.BOOLEAN,
+  },
+  wasSuccessful: {
+    type: DataTypes.BOOLEAN,
+  },
+  timestamp: {
+    type: DataTypes.DATE,
+  },
+});
+
+export type PaymentAttempt = Attributes<PaymentAttemptAttributes>;
+export type PaymentAttemptData = Omit<PaymentAttempt, 'timestamp'>;
+
+PaymentAttemptDbModel.sync({ force: false });

src/app/payment-fraud/api/place-order/route.ts

@@ -0,0 +1,102 @@
+import { NextResponse } from 'next/server';
+import { getAndValidateFingerprintResult, Severity } from '../../../../server/checks';
+import { PaymentAttemptData, PaymentAttemptDbModel } from './database';
+import { PAYMENT_FRAUD_COPY } from './copy';
+import { Op } from 'sequelize';
+import { sequelize } from '../../../../server/server';
+
+type Card = {
+  number: string;
+  expiration: string;
+  cvv: string;
+};
+
+// Mocked credit card details.
+const mockedCard: Card = {
+  number: '4242 4242 4242 4242',
+  expiration: '04/28',
+  cvv: '123',
+};
+
+function areCardDetailsCorrect(card: Card) {
+  return card.number === mockedCard.number && card.expiration === mockedCard.expiration && card.cvv === mockedCard.cvv;
+}
+
+async function savePaymentAttempt(paymentAttempt: PaymentAttemptData) {
+  await PaymentAttemptDbModel.create({
+    ...paymentAttempt,
+    timestamp: new Date().getTime(),
+  });
+  await sequelize.sync();
+}
+
+export type PaymentPayload = {
+  requestId: string;
+  filedChargeback: boolean;
+  usingStolenCard: boolean;
+  card: Card;
+};
+
+export type PaymentResponse = {
+  message: string;
+  severity: Severity;
+};
+
+export async function POST(req: Request): Promise<NextResponse<PaymentResponse>> {
+  const { requestId, filedChargeback, usingStolenCard, card } = (await req.json()) as PaymentPayload;
+
+  // Get the full Identification result from Fingerprint Server API and validate its authenticity
+  const fingerprintResult = await getAndValidateFingerprintResult({
+    requestId,
+    req,
+    options: { minConfidenceScore: 0.2 },
+  });
+  if (!fingerprintResult.okay) {
+    return NextResponse.json({ severity: 'error', message: fingerprintResult.error }, { status: 403 });
+  }
+
+  // Get visitorId from the Server API Identification event
+  const visitorId = fingerprintResult.data.products?.identification?.data?.visitorId;
+  if (!visitorId) {
+    return NextResponse.json({ severity: 'error', message: 'Visitor ID not found.' }, { status: 403 });
+  }
+
+  // If this visitor ID ever paid with a stolen credit card, do not process the payment
+  const usedStolenCreditCard = await PaymentAttemptDbModel.findOne({ where: { visitorId, usingStolenCard: true } });
+  if (usedStolenCreditCard) {
+    return NextResponse.json({ severity: 'error', message: PAYMENT_FRAUD_COPY.stolenCard }, { status: 403 });
+  }
+
+  // If the visitor ID filed more than 1 chargeback in the last year, do not process the payment.
+  // (Adjust the numbers for you use case)
+  const chargebacksFiledPastYear = await PaymentAttemptDbModel.findAndCountAll({
+    where: { visitorId, filedChargeback: true, timestamp: { [Op.gt]: new Date().getTime() - 365 * 24 * 60 * 1000 } },
+  });
+  if (chargebacksFiledPastYear.count > 1) {
+    return NextResponse.json({ severity: 'error', message: PAYMENT_FRAUD_COPY.previousChargeback }, { status: 403 });
+  }
+
+  // If the visitor ID performed 3 or more unsuccessful payments in the past year, do not process the payment
+  const invalidPaymentsPastYear = await PaymentAttemptDbModel.findAndCountAll({
+    where: {
+      visitorId,
+      timestamp: { [Op.gt]: new Date().getTime() - 365 * 24 * 60 * 1000 },
+      wasSuccessful: false,
+    },
+  });
+  if (invalidPaymentsPastYear.count > 2) {
+    return NextResponse.json(
+      { severity: 'error', message: PAYMENT_FRAUD_COPY.tooManyUnsuccessfulPayments },
+      { status: 403 },
+    );
+  }
+
+  // Check the card details and perform payment if they are correct, log the payment attempt in either case
+  if (!areCardDetailsCorrect(card)) {
+    savePaymentAttempt({ visitorId, filedChargeback, usingStolenCard, wasSuccessful: false });
+    return NextResponse.json({ severity: 'error', message: PAYMENT_FRAUD_COPY.incorrectCardDetails }, { status: 403 });
+  } else {
+    savePaymentAttempt({ visitorId, filedChargeback, usingStolenCard, wasSuccessful: true });
+    return NextResponse.json({ severity: 'success', message: PAYMENT_FRAUD_COPY.successfulPayment }, { status: 200 });
+  }
+}

src/app/payment-fraud/embed/page.tsx

@@ -0,0 +1,9 @@
+import { USE_CASES } from '../../../client/components/common/content';
+import { generateUseCaseMetadata } from '../../../client/components/common/seo';
+import { PaymentFraud } from '../PaymentFraud';
+
+export const metadata = generateUseCaseMetadata(USE_CASES.paymentFraud);
+
+export default function PaymentFraudPage() {
+  return <PaymentFraud />;
+}

src/app/payment-fraud/page.tsx

@@ -0,0 +1,9 @@
+import { USE_CASES } from '../../client/components/common/content';
+import { generateUseCaseMetadata } from '../../client/components/common/seo';
+import { PaymentFraud } from './PaymentFraud';
+
+export const metadata = generateUseCaseMetadata(USE_CASES.paymentFraud);
+
+export default function PaymentFraudPage() {
+  return <PaymentFraud />;
+}

src/pages/api/admin/reset.ts

@@ -1,5 +1,4 @@
 import { isValidPostRequest } from '../../../server/server';
-import { PaymentAttemptDbModel } from '../payment-fraud/place-order';
 import {
   UserCartItemDbModel,
   UserPreferencesDbModel,
@@ -14,6 +13,7 @@ import { ArticleViewDbModel } from '../../../app/paywall/api/database';
 import { SmsVerificationDatabaseModel } from '../../../app/sms-pumping/api/database';
 import { syncFirewallRuleset } from '../../../app/bot-firewall/api/block-ip/cloudflareApiHelper';
 import { deleteBlockedIp } from '../../../app/bot-firewall/api/get-blocked-ips/blockedIpsDatabase';
+import { PaymentAttemptDbModel } from '../../../app/payment-fraud/api/place-order/database';
 
 export type ResetResponse = {
   message: string;
@@ -36,7 +36,11 @@ export default async function handler(req: NextApiRequest, res: NextApiResponse<
   const { requestId } = req.body as ResetRequest;
 
   // Get the full Identification result from Fingerprint Server API and validate its authenticity
-  const fingerprintResult = await getAndValidateFingerprintResult({ requestId, req });
+  const fingerprintResult = await getAndValidateFingerprintResult({
+    requestId,
+    req,
+    options: { minConfidenceScore: 0.3 },
+  });
   if (!fingerprintResult.okay) {
     res.status(403).send({ severity: 'error', message: fingerprintResult.error });
     return;