用机器学习优化支付

It’s probably happened to you at some point: You go to use a service for which you believe you’ve got a paid subscription, only to find that it’s been canceled for non-payment. That’s not only bad for you the customer: It causes negative feelings about the brand, it disrupts what should be a steady flow of revenue to the business, and a customer who finds themselves shut off might decide not to come back.

这种情况可能在你身上发生过：你去使用一项你认为已经付费的服务，却发现它已经因为没有付款而被取消了。这不仅对你这个客户不利。它导致了对品牌的负面感受，扰乱了本应是稳定的收入流的业务，而且发现自己被关闭的客户可能决定不再回来。

At Dropbox, we found that applying machine learning to our handling of customer payments has made us better at keeping subscribers happily humming along.

在Dropbox，我们发现将机器学习应用于我们对客户付款的处理，使我们能更好地让用户愉快地工作。

**Payments at Dropbox
**The Dropbox Payments Platform manages payment processing for millions of our customers. When a customer visits the Dropbox website and chooses to buy one of our products, we ask the customer to enter their payment information on the purchase form. After the customer submits the form, the system collects their payment information and securely sends this info, along with the amount we want to charge them, to one of our external partners who process that type of payment information.

**Dropbox的支付
**Dropbox支付平台为我们数百万的客户管理支付处理。当客户访问Dropbox网站并选择购买我们的产品时，我们要求客户在购买表格中输入他们的付款信息。客户提交表格后，系统会收集他们的付款信息，并将这些信息以及我们要向他们收取的金额安全地发送给我们处理该类型付款信息的外部合作伙伴之一。

This all takes place behind the scenes instantly when a customer starts a Dropbox subscription. Once they complete their payment and become a paid customer, they enter our payment lifecycle. All of this, from start to finish, is handled by our Payments Platform.

当客户开始订阅Dropbox时，这一切都会在幕后即时发生。一旦他们完成支付并成为付费客户，他们就进入了我们的支付生命周期。所有这些，从开始到结束，都由我们的支付平台处理。

Customers who have a Dropbox subscription pay for it on a regular cadence—usually monthly or yearly. At the time of a recurring payment, a customer’s credit card is charged automatically (if the customer has authorized us to charge it). If the charge is successful, the subscription is renewed without the cust...