Visa Leverages AI To Prevent $40B In Fraud: How Machine Learning Is Combatting The Surge In Cybercrime And AI-Driven Scams
Visa Leverages AI To Prevent $40B In Fraud: How Machine Learning Is Combatting The Surge In Cybercrime And AI-Driven Scams
$Visa (V.US)$ has successfully leveraged artificial intelligence and machine learning to prevent $40 billion in fraudulent activities, according to a company executive.
$Visa (V.US)$据公司高管介绍，该公司成功利用人工智能和机器学习防范了400亿美元的欺诈活动。
What Happened: James Mirfin, global head of risk and identity solutions at Visa, informed CNBC that the company has utilized AI and machine learning to combat fraudulent activities, which have nearly doubled from the previous year.
发生了什么：Visa的全球风险和身份解决方案负责人詹姆斯·米尔芬告诉CNBC，该公司已经利用人工智能和机器学习来打击欺诈活动，这些活动较去年几乎翻了一倍。
Visa has managed to prevent $40 billion in fraudulent activities from October 2022 to September 2023, which is almost twice the amount from the previous year, Mirfin said.
米尔芬表示，Visa在2022年10月至2023年9月期间成功防范了400亿美元的欺诈活动，这一数字几乎是去年的两倍。
He explained that fraudsters use AI to generate primary account numbers (PAN) and repeatedly test them. This method, known as an enumeration attack, results in $1.1 billion in fraud losses annually.
他解释说，欺诈分子利用人工智能生成主账号号码（PAN），并进行重复测试。这种方法被称为枚举式攻击，每年造成11亿美元的欺诈损失。
"We look at over 500 different attributes around [each] transaction, we score that and we create a score –that's an AI model that will actually do that. We do about 300 billion transactions a year," Mirfin told CNBC.
米尔芬告诉CNBC：“我们查看每一笔交易的500多个不同属性，对其进行打分，生成一个人工智能模型。我们每年进行约3000亿笔交易。”
Visa assigns a real-time risk score to each transaction to detect and prevent enumeration attacks in transactions processed remotely without a physical card via a card reader or terminal.
Visa针对通过卡片阅读器或终端远程处理的交易，为每一笔交易分配实时风险得分，以检测和防范枚举式攻击。
"Every single one of those [transactions] has been processed by AI. It's looking at a range of different attributes and we're evaluating every single transaction," Mirfin said.
米尔芬表示：“每一笔交易都是由人工智能处理的。它正在查看各种不同属性，并对每一笔交易进行评估。”
Visa also uses AI to assess the likelihood of fraud for token provisioning requests and has invested $10 billion in technology to reduce fraud and increase network security over the last five years.
Visa还利用人工智能评估令牌分发请求的欺诈可能性，并在过去五年中投资了100亿美元用于减少欺诈，并提高网络安全性。
Why It Matters: The significance of Visa's achievement in preventing $40 billion in fraudulent transactions is underscored by the alarming rise in cybercrime. According to Charles Lobo, Visa's Regional Risk Officer for Central and Eastern Europe, Middle East, and Africa, cybercrime could rival the world's top economies by 2025, with projected costs reaching $10.5 trillion annually.
为什么要关注：Visa成功防范400亿美元的欺诈交易的意义在于令人震惊的网络犯罪增长。根据Visa中东欧洲、中东和非洲地区的区域风险官员查尔斯·洛博的说法，到2025年，网络犯罪可能与世界上最大的经济体媲美，预计每年的成本将达到10.5万亿美元。
Additionally, the use of AI-generated fake IDs to bypass Know Your Customer (KYC) checks on cryptocurrency exchanges has become a widespread issue. OnlyFake, an online service, has been creating counterfeit IDs that successfully pass KYC checks, raising significant security concerns.
此外，利用由人工智能生成的虚假身份证绕过加密货币交易所的客户识别（KYC）检查已成为一种广泛的问题。在线服务OnlyFake一直在创建可以成功通过KYC检查的伪造身份证，引起了重大的安全顾虑。
Moreover, the use of deepfake technology in scams is on the rise. In one instance, fraudsters used deepfake technology to impersonate a company's CFO during a video call, resulting in a $25 million loss, as reported by Hong Kong police.
此外，在骗局中使用Deepfake技术的情况也在增加。据香港警方报道，一些欺诈分子利用Deepfake技术在视频通话中冒充公司首席财务官，导致2500万美元的损失。
Furthermore, the Hong Kong Securities and Futures Commission recently warned about a fraudulent cryptocurrency trading platform called "Quantum AI," which used deepfakes of Elon Musk to lure victims, highlighting the growing use of AI in committing fraud, particularly in Asia.
此外，香港证券期货委员会最近发出警告，称有一个名为“量子人工智能”的欺诈性加密货币交易平台使用了伪装成埃隆·马斯克的Deepfake技术，以诱骗受害者，这凸显了人工智能在亚洲尤其是在欺诈方面的越来越多的应用。
This story was generated using Benzinga Neuro and edited by Kaustubh Bagalkote
这个故事是使用Benzinga Neuro生成的，并由Kaustubh Bagalkote编辑