Uber如何处理早期退款信号

When a rider takes a trip, Uber collects money primarily through the rider’s preferred payment method linked to their Uber account, with the fare collected upon trip completion. In some markets, cash payments are also an option, with riders paying the driver in cash at the end of the trip. 

当乘客乘坐行程时，Uber 主要通过与其 Uber 账户关联的乘客首选支付方式收取费用，费用在行程完成时收取。在某些市场，现金支付也是一种选择，乘客在行程结束时以现金支付给司机。

A chargeback is a dispute filed by a rider through their bank or credit card issuer. Chargebacks typically arise due to suspected fraud or service-related issues. Most service-related disputes are further categorized as poor service or unrecognized charges. In the chargeback process, the bank refunds the customer by deducting the disputed amount from the merchant. For companies like Uber, handling chargebacks is time-consuming and also involves a high level of operational resources to investigate, respond, and resolve disputes. Managing chargebacks effectively is essential for maintaining customer trust and minimizing financial losses. This blog describes how early chargeback signals are different compared to chargebacks, and how Uber leverages them to mitigate payment fraud. 

拒付是骑手通过其银行或信用卡发卡机构提出的争议。拒付通常因涉嫌欺诈或服务相关问题而产生。大多数服务相关争议进一步分类为服务差或未识别的费用。在拒付过程中，银行通过从商户扣除争议金额来退款给客户。对于像Uber这样的公司，处理拒付既耗时又需要高水平的运营资源来调查、回应和解决争议。有效管理拒付对于维护客户信任和最小化财务损失至关重要。本文描述了早期拒付信号与拒付的不同之处，以及Uber如何利用这些信号来减轻支付欺诈。

Figure 1: Chargeback lifecycle.

图 1：退款生命周期。

One type of chargeback signal is a fraud notification. Payment service providers can send a notification of fraud or inquiry to the merchant in the dispute files. 

一种退款信号是欺诈通知。支付服务提供商可以在争议文件中向商家发送欺诈或查询通知。

TC40 and SAFE are reports that contain chargeback and additional signals. These reports include fraud alerts for chargebacks that aren’t passed on to the merchant. For example, they contain transactions where 3D Secure (3DS) or other liability shifts happened. 3DS is an authentication protocol designed to reduce fraud and add an extra layer of security for online card transactions. Typically merchants receive TC40 a...