使用机器学习来提高支付授权率
hen our customers make purchases with credit or debit cards in their PayPal wallet, we send the payment details through card networks to card issuing banks for payment authorization. During this process, payments can be declined by the issuing banks for various reasons, such as the card: exceeding its credit limit, not having enough balance, being reported as stolen, or outdated information(see here for more information regarding issuer declines causes).
当我们的客户使用PayPal钱包中的信用卡或借记卡购物时，我们会通过银行卡网络将付款细节发送给发卡银行进行付款授权。在这个过程中，发卡银行可能会因为各种原因而拒绝付款，例如：卡片超过信用额度、没有足够的余额、被报告为被盗、或信息过时（见 这里更多关于发卡行拒绝原因的信息）。)
Card Transaction Flow Using PayPal
使用贝宝的卡片交易流程
Apart from these reasons, issuers also consider many other factors when deciding to approve or decline a payment request, such as: what type of card is being used for the payment? What merchandise is being purchased? What time is the payment request submitted? What is the card’s approval and decline history from issuers?
除了这些原因外，发卡机构在决定批准或拒绝付款请求时还会考虑许多其他因素，例如：使用什么类型的卡进行付款？购买的是什么商品？支付请求是在什么时间提交的？该卡在发卡行的批准和拒绝历史是什么？
Improving authorization rate (or auth rate) — the percentage of issuer approved payment requests out of all payment requests made by customers to PayPal — is essential for us and our customers. Auth rate improvement through accurate issuer decline prediction can translate into millions of dollars of revenue increase for online merchants, and give customers a smooth shopping experience. It is especially critical for PayPal considering our scale as a global payment provider.
提高授权率（或称Auth rate）--发卡行批准的付款请求在客户向PayPal提出的所有付款请求中的百分比--对我们和我们的客户来说至关重要。通过准确预测发卡机构的拒付情况，提高授权率可以为在线商户带来数百万美元的收入增长，并为客户提供流畅的购物体验。考虑到我们作为全球支付提供商的规模，这对PayPal来说尤其重要。
Recently, we built and deployed machine learning models to handle many of the dynamics in issuer decline prediction and successfully helped our payment product improve transaction auth rate and user experience.
最近，我们建立并部署了机器学习模型，以处理发行人下降预测中的许多动态，并成功地帮助我们的支付产品提高交易授权率和用户体验。
Applying Machine Learning
应用机器学习
In order to create relevant features for t...