通过风险挑战阻止Uber欺诈者

As a marketplace-based, consumer-facing app, Uber encounters a multitude of sources of fraud across its platform. In one of the most common cases of fraud, bad actors use various methods to attempt to bypass payments for Uber rides, Eats orders, and other services, like Uber for Business. When this happens, failed transactions can occur, incurring losses that affect the drivers and businesses operating on Uber.

作为一个基于市场的面向消费者的应用程序，Uber在其平台上遇到了多种欺诈来源。在最常见的欺诈案例中，不良行为者使用各种方法试图绕过Uber乘车、Eats订单和其他服务（如Uber for Business）的付款。当发生这种情况时，可能会发生交易失败，从而导致对在Uber上运营的司机和企业的损失。

To account for the serious financial implications of payment fraud, risk management is prioritized at Uber. Reflecting the risk solution landscape within the overall tech industry, our engineers have developed complex solutions to achieve the following:

为了应对支付欺诈的严重财务影响，Uber将风险管理作为优先事项。反映了整个科技行业内的风险解决方案格局，我们的工程师们开发了复杂的解决方案，以实现以下目标：

Detect fraud: Real-time fraud detection is driven by a system of business rules which run on Mastermind, Uber’s rules engine. In addition, machine learning models generate predictive scores that give insight into the probability that a user is a fraudster.
检测欺诈：实时欺诈检测由运行在Uber的规则引擎Mastermind上的一套业务规则驱动。此外，机器学习模型生成预测分数，提供用户是欺诈者的概率洞察。
Mitigate fraud: Different forms of fraud mitigation are employed at Uber to act on and resolve triggered rules and threshold-passing scores, as appropriate. These involve both manual and automated strategies, and this is also where risk challenges come into play.
减少欺诈：Uber采用不同形式的欺诈减轻措施来处理和解决触发的规则和超过阈值的分数，根据情况采用手动和自动策略，这也是风险挑战发挥作用的地方。

Risk challenges are experiences in which the user is asked to complete a certain task or process, often to verify the legitimacy of their identity or payment method. You have likely encountered a risk challenge before, and not just on the Uber app. A common one is to enter the CVV of a credit card when making a credit card transaction.

风险挑战是用户被要求完成某个特定任务或流程的体验，通常是为了验证其身份或付款方式的合法性。您可能之前就遇到过风险挑战，不仅仅是在Uber应用程序上。一个常见的例子是在进行信用卡交易时输入信用卡的CVV码。

One of the main desired outcomes ...