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import json
import textwrap
from typing import List, Optional
import requests
from openai import OpenAI
import dotenv
import numpy as np
dotenv.load_dotenv()
# Environment variables mapping
API_KEY = os.getenv("HF_TOKEN") or os.getenv("API_KEY", "dummy-token")
API_BASE_URL = os.getenv("API_BASE_URL", "https://router.huggingface.co/v1")
MODEL_NAME = os.getenv("MODEL_NAME", "meta-llama/Llama-3.3-70B-Instruct")
MAX_STEPS = 40
SUCCESS_SCORE_THRESHOLD = 0.5
ENV_URL = "http://localhost:7860"
BENCHMARK = os.getenv("BENCHMARK", "SmartPayEnv")
DIFFICULTY_LABELS = {0: "EASY", 1: "MEDIUM", 2: "HARD"}
# Environmental Knowledge Injection
AFFINITY_INFO = {
"Gateway_0_Affinity": [0.95, 0.80, 0.70, 0.60, 0.50, 0.90, 0.75, 0.65, 0.55, 0.85],
"Gateway_1_Affinity": [0.60, 0.95, 0.80, 0.70, 0.60, 0.55, 0.90, 0.75, 0.65, 0.50],
"Gateway_2_Affinity": [0.50, 0.60, 0.95, 0.85, 0.75, 0.50, 0.60, 0.95, 0.85, 0.75]
}
SYSTEM_PROMPT = textwrap.dedent(
f"""
You are a Self-Optimizing Payment Intelligence agent.
### KNOWLEDGE BASE:
1. BIN Affinity Matrix (Success Probability multipliers):
{json.dumps(AFFINITY_INFO, indent=2)}
Note: Using a gateway with affinity < 0.9 incurs an 'Extreme Reality' penalty (x0.15 effectiveness).
2. Merchant Risk Profiles (MCC):
- 2 (Electronics) & 4 (Gambling): High Risk
- 5 (Digital Goods): Med-High Risk
- 0 (Retail) & 1 (Services): Low Risk
3. Diurnal Cycle (UTC):
- Hours 01:00-05:00: Severe Fraud Surge (Attack period).
- Segment 0 (New): High distrust/abandonment during 3DS challenges.
4. Manual Review:
- Action 3: Sends tx to human team. 10-25 step delay.
- Cost: $5.00 fee. Highest accuracy but slow.
### ACTION SCHEMA:
Respond with EXACTLY ONE JSON object:
{{
"thought": "Reasoning based on current BIN category vs Affinity Matrix and Observed Risk",
"gateway": 0|1|2,
"retry_strategy": 0|1,
"fraud_decision": 0(Allow)|1(Block)|2(3DS Challenge)|3(Manual Review)
}}
### IMPORTANT:
- Observations are PARTIAL. `observed_fraud_risk` is a noisy estimate.
- Gateway health signals are LAGGED by ~2 steps.
- `user_type` is hidden.
- Events (Spikes, Outages) are CORRELATED and have DURATION.
"""
).strip()
def log_start(task: str, env: str, model: str, difficulty: str) -> None:
print(f"[START] difficulty={difficulty} task={task} env={env} model={model}", flush=True)
def log_step(step: int, action: str, reward: float, done: bool, error: Optional[str], thought: Optional[str] = None) -> None:
error_val = error if error else "null"
done_val = str(done).lower()
thought_val = f" thought=\"{thought}\"" if thought else ""
print(
f"[STEP] step={step} action={action}{thought_val} reward={reward:.2f} done={done_val} error={error_val}",
flush=True,
)
def log_end(success: bool, steps: int, score: float, rewards: List[float]) -> None:
rewards_str = ",".join(f"{r:.2f}" for r in rewards)
print(f"[END] success={str(success).lower()} steps={steps} score={score:.3f} rewards={rewards_str}", flush=True)
def get_model_action(client: OpenAI, step: int, obs: dict, last_reward: float) -> dict:
user_prompt = textwrap.dedent(
f"""
Step: {step}
Observation (State): {json.dumps(obs)}
Last Reward: {last_reward:.2f}
Send your JSON action now.
"""
).strip()
try:
completion = client.chat.completions.create(
model=MODEL_NAME,
messages=[
{"role": "system", "content": SYSTEM_PROMPT},
{"role": "user", "content": user_prompt},
],
temperature=0.0,
)
text = (completion.choices[0].message.content or "").strip()
start_idx = text.find('{')
end_idx = text.rfind('}')
if start_idx != -1 and end_idx != -1:
text = text[start_idx:end_idx+1]
action_data = json.loads(text)
return {
"thought": str(action_data.get("thought", "N/A")),
"gateway": int(action_data.get("gateway", 0)),
"retry_strategy": int(action_data.get("retry_strategy", 0)),
"fraud_decision": int(action_data.get("fraud_decision", 0))
}
except Exception as exc:
return {
"thought": f"Fallback: {exc}",
"gateway": 0,
"retry_strategy": 1,
"fraud_decision": 0
}
def get_preference_signal(obs: dict) -> List[dict]:
"""
Demonstrates preference-based ranking by simulating multiple action candidates.
"""
candidates = [
{"gateway": 0, "fraud_decision": 0, "retry_strategy": 0}, # Aggressive
{"gateway": 1, "fraud_decision": 2, "retry_strategy": 0}, # Shielded (3DS)
{"gateway": 2, "fraud_decision": 3, "retry_strategy": 0}, # Manual Review
]
results = []
for action in candidates:
try:
res = requests.post(f"{ENV_URL}/simulate", json={"action": action})
if res.status_code == 200:
sim_obs = res.json()
reward = sim_obs.get("reward", 0.0)
# Add a small penalty for manual review to reflect true cost if not in reward
if action["fraud_decision"] == 3: reward -= 0.05
results.append((action, reward))
except:
continue
if not results: return []
# Calculate relative advantages
scores = [r for _, r in results]
mean = np.mean(scores)
std = np.std(scores) + 1e-6
ranked = []
for action, reward in results:
adv = (reward - mean) / std
ranked.append({"action": action, "reward": reward, "advantage": adv})
return sorted(ranked, key=lambda x: x["advantage"], reverse=True)
def main() -> None:
client = OpenAI(base_url=API_BASE_URL, api_key=API_KEY)
TASK_CONFIG = [
("routing_efficacy", 0),
("user_retention", 1),
("fraud_detection", 1),
("payment_optimization", 2)
]
for task_name, diff_level in TASK_CONFIG:
diff_label = DIFFICULTY_LABELS[diff_level]
rewards: List[float] = []
steps_taken = 0
score = 0.0
success = False
log_start(task=task_name, env=BENCHMARK, model=MODEL_NAME, difficulty=diff_label)
try:
res = requests.post(f"{ENV_URL}/reset", json={"difficulty": diff_level})
obs = res.json().get("observation", res.json())
last_reward = 0.0
for step in range(1, MAX_STEPS + 1):
# Core Preference Logic: What-if analysis
preferences = get_preference_signal(obs)
pref_summary = ""
if preferences:
top = preferences[0]
pref_summary = f" [Best: {top['action']['fraud_decision']} Adv: {top['advantage']:.2f}]"
action_data = get_model_action(client, step, obs, last_reward)
thought = action_data.pop("thought") + pref_summary
action_dict = action_data
action_str = json.dumps(action_dict).replace(" ", "")
step_res = requests.post(f"{ENV_URL}/step", json={"action": action_dict})
if step_res.status_code == 200:
step_data = step_res.json()
obs = step_data.get("observation", step_data)
if task_name == "routing_efficacy": reward = obs.get("task_routing_score", 0.0)
elif task_name == "fraud_detection": reward = obs.get("task_fraud_mcc_score", 0.0)
elif task_name == "user_retention": reward = obs.get("task_retention_score", 0.0)
else: reward = step_data.get("reward", 0.0)
done = step_data.get("done", False)
log_step(step, action_str, reward, done, None, thought)
rewards.append(reward)
last_reward = reward
steps_taken = step
if done: break
else:
log_step(step, action_str, 0.0, True, f"HTTP {step_res.status_code}")
break
score = sum(rewards) / len(rewards) if rewards else 0.0
success = score >= SUCCESS_SCORE_THRESHOLD
except Exception as e:
print(f"[ERROR] {e}")
finally:
log_end(success, steps_taken, score, rewards)
if __name__ == "__main__":
main()
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