Humble Bundle 對抗信用卡盜刷的方法

Humble Bundle 說明他們如何對抗信用卡盜刷的方法,主要是不斷的降低風險,然後讓人介入的機會降低 (因為人事成本很高):「How Humble Bundle stops online fraud」。


Our first line of defense is a machine-learning-based anti-abuse startup called Sift Science, which we’ve been training for years across 55,000,000 transactions. Given how many orders we process, Sift Science has a really good idea when someone is up to no good. The model adapts daily as we get more data.

Sift Science 在 2014 的時候提過:「偵測信用卡交易是否為盜刷的服務」。做的事情很簡單,你把大量的資料傳給 Sift Science,包括了各種使用者身份資訊,以及信用卡資料,Sift Science 可以透過 Machine Learning 的方法告訴你這筆交易的風險,讓你進一步的判斷。

其實不少家都有做類似的服務,像是 MaxMindminFraud (就是做 GeoIP database 很有名的那家公司的另外一個產品)。當交易量很大的時候是個很有趣的應用,降低處理盜刷後續處理的成本。

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