{"id":27337,"date":"2020-08-28T21:35:00","date_gmt":"2020-08-28T18:35:00","guid":{"rendered":"http:\/\/life.karpat.in.ua\/?p=27337"},"modified":"2020-08-27T23:48:54","modified_gmt":"2020-08-27T20:48:54","slug":"mesterseges-intelligencia-segit-a-visa-nak","status":"publish","type":"post","link":"https:\/\/life.karpat.in.ua\/?p=27337&lang=hu","title":{"rendered":"Mesters\u00e9ges intelligencia seg\u00edt a VISA-nak"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Az \u00faj Smarter Stand in Processing <\/strong><strong>(STIP) mesters\u00e9ges intelligencia seg\u00edts\u00e9g\u00e9vel cs\u00f6kkenti az \u00fcgyfelek elutas\u00edtott tranzakci\u00f3inak sz\u00e1m\u00e1t, amikor bankjukban m\u0171k\u00f6d\u00e9si zavar vagy le\u00e1ll\u00e1s tapasztalhat\u00f3.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"430\" src=\"http:\/\/life.karpat.in.ua\/wp-content\/uploads\/2020\/08\/mi-visa.jpg\" alt=\"\" class=\"wp-image-27338\" srcset=\"https:\/\/life.karpat.in.ua\/wp-content\/uploads\/2020\/08\/mi-visa.jpg 750w, https:\/\/life.karpat.in.ua\/wp-content\/uploads\/2020\/08\/mi-visa-300x172.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A Visa mostant\u00f3l a val\u00f3s idej\u0171 m\u00e9lytanul\u00e1st (deep learning) haszn\u00e1lja a tranzakci\u00f3k feldolgoz\u00e1sa sor\u00e1n. A Smarter Stand in Processing n\u00e9vre keresztelt megold\u00e1s mesters\u00e9ges intelligencia seg\u00edts\u00e9g\u00e9vel cs\u00f6kkenti az \u00fcgyfelek elutas\u00edtott tranzakci\u00f3inak sz\u00e1m\u00e1t, amikor bankjukban m\u0171k\u00f6d\u00e9si zavar vagy le\u00e1ll\u00e1s tapasztalhat\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kor\u00e1bbi tranzakci\u00f3k m\u00e9lytanul\u00e1ssal t\u00f6rt\u00e9n\u0151 elemz\u00e9s\u00e9t felhaszn\u00e1lva a Smarter STIP a kibocs\u00e1t\u00f3k nev\u00e9ben hoz megalapozott d\u00f6nt\u00e9seket a tranzakci\u00f3k j\u00f3v\u00e1hagy\u00e1s\u00e1r\u00f3l vagy elutas\u00edt\u00e1s\u00e1r\u00f3l, amikor azok rendszere offline \u00e1llapotba ker\u00fcl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azaz amikor nem el\u00e9rhet\u0151 a banki rendszer, az \u00fcgyf\u00e9l akkor is tud fizetni a k\u00e1rty\u00e1j\u00e1val, ha a mesters\u00e9ges intelligencia \u00fagy hat\u00e1roz, hogy v\u00e9lhet\u0151en rendben lesz \u00edgy, \u00e9s a banksz\u00e1mla val\u00f3s idej\u0171 ismerete n\u00e9lk\u00fcl enged\u00e9lyezi a tranzakci\u00f3t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eA fogyaszt\u00f3k elv\u00e1rj\u00e1k, hogy azonnali \u00e9s megszak\u00edt\u00e1s n\u00e9lk\u00fcli hozz\u00e1f\u00e9r\u00e9s\u00fck legyen p\u00e9nzeszk\u00f6zeikhez \u2013 ha az eml\u00edtett elv\u00e1r\u00e1s nem teljes\u00fcl, az komoly k\u00f6lts\u00e9gekkel j\u00e1rhat\u201d \u2013 mondta Jack Forestell, Visa \u00fcgyvezet\u0151 aleln\u00f6ke \u00e9s term\u00e9kvezet\u0151je. \u201eA stand-in elj\u00e1r\u00e1s (a k\u00e1rtyat\u00e1rsas\u00e1g a kibocs\u00e1t\u00f3 nev\u00e9ben kezeli az enged\u00e9lyez\u00e9si folyamatot) mindig is alapvet\u0151 biztos\u00edt\u00e9k volt \u00fcgyfeleink sz\u00e1m\u00e1ra, hogy ha a v\u00e1ratlan bek\u00f6vetkezik, sz\u00e1m\u00edthatnak a seg\u00edts\u00e9g\u00fcnkre. A mesters\u00e9ges intelligencia alkalmaz\u00e1s\u00e1val ez a k\u00e9pess\u00e9g intelligensebb\u00e9, hat\u00e9konyabb\u00e1 \u00e9s dinamikusabb\u00e1 v\u00e1lik.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ha a hagyom\u00e1nyos ellen\u0151rz\u00e9si elj\u00e1r\u00e1s nem \u00e9rhet\u0151 el, annak s\u00falyos k\u00f6vetkezm\u00e9nyei lehetnek: sikertelen tranzakci\u00f3k miatt bev\u00e9telkies\u00e9s, a k\u00e1rtyatulajdonosok rossz tapasztalatai miatt megn\u00f6veked\u0151 \u00fcgyf\u00e9lszolg\u00e1lati h\u00edv\u00e1sforgalom, a j\u00f3 h\u00edrn\u00e9v k\u00e1rosod\u00e1sa vagy ak\u00e1r egy, a hivatalos szervek \u00e1ltal ind\u00edtott vizsg\u00e1lat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Visa Smarter STIP \u00e1ltal meghozott tranzakci\u00f3s d\u00f6nt\u00e9s a m\u00faltbeli v\u00e1s\u00e1rl\u00e1si viselked\u00e9sb\u0151l sz\u00e1rmaz\u00f3 egyedi betekint\u00e9sen alapul, nem pedig kiz\u00e1r\u00f3lag a teljes k\u00e1rtyaportf\u00f3li\u00f3ban alkalmazott statikus szab\u00e1lyokon. Ezzel a kieg\u00e9sz\u00edt\u0151 inform\u00e1ci\u00f3val a Visa olyan tranzakci\u00f3s d\u00f6nt\u00e9st hozhat a kibocs\u00e1t\u00f3 nev\u00e9ben, amely jobban t\u00fckr\u00f6zi a kibocs\u00e1t\u00f3 saj\u00e1t d\u00f6nt\u00e9shozatali folyamat\u00e1t \u2013 \u00e9s a Visa szerint bizonyos esetekben ak\u00e1r fel\u00e9re is cs\u00f6kkentheti az elutas\u00edtott tranzakci\u00f3k sz\u00e1m\u00e1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A val\u00f3s idej\u0171 \u00e9rt\u00e9kel\u00e9s egyik alapj\u00e1t k\u00e9pezik a t\u00f6bbsz\u00f6r\u00f6sen ism\u00e9tl\u0151d\u0151 neur\u00e1lis h\u00e1l\u00f3zati r\u00e9tegek t\u00f6bb milli\u00f3 param\u00e9terrel; fontos \u00f6sszetev\u0151t jelent a t\u00f6bb milli\u00e1rdnyi kor\u00e1bbi adat a modell t\u00f6k\u00e9letes\u00edt\u00e9s\u00e9hez, amelynek k\u00f6sz\u00f6nhet\u0151en a Visa pr\u00f3batesztjein 95 sz\u00e1zal\u00e9kos pontoss\u00e1ggal siker\u00fclt a kibocs\u00e1t\u00f3 val\u00f3sz\u00edn\u0171s\u00edthet\u0151 d\u00f6nt\u00e9s\u00e9vel megegyez\u0151t hozni; illetve a folyamatos tanul\u00e1s a val\u00f3s idej\u0171 tranzakci\u00f3s \u00e9s le\u00e1ll\u00e1si adatokb\u00f3l, lehet\u0151v\u00e9 t\u00e9ve a szolg\u00e1ltat\u00e1s sz\u00e1m\u00e1ra, hogy alkalmazkodjon \u00e9s fejl\u0151dj\u00f6n, hiszen a kibocs\u00e1t\u00f3k viselked\u00e9se is folyamatosan v\u00e1ltozik az id\u0151 sor\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00fcgyfelek r\u00e9szv\u00e9tel\u00e9hez a Visa Smarter STIP nem ig\u00e9nyel semmilyen m\u0171szaki v\u00e1ltoztat\u00e1st. A Visa DPS-hez csatlakoz\u00f3 kibocs\u00e1t\u00f3knak lehet\u0151s\u00e9g\u00fck lesz enged\u00e9lyeztetni a Smarter STIP szolg\u00e1ltat\u00e1st, amikor az 2020 okt\u00f3ber\u00e9ben vil\u00e1gszerte elindul.<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><strong><a rel=\"noreferrer noopener\" href=\"https:\/\/googleweblight.com\/i?f=1&amp;source=wax-wax&amp;u=http:\/\/hvg.hu\/tudomany\/20200827_visa_smarter_stip_mesterseges_intelligencia_elutasitott_tranzakciok_banki_leallas#rss\" target=\"_blank\">(hvg.hu)<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az \u00faj Smarter Stand in Processing (STIP) mesters\u00e9ges intelligencia seg\u00edts\u00e9g\u00e9vel cs\u00f6kkenti az \u00fcgyfelek elutas\u00edtott tranzakci\u00f3inak sz\u00e1m\u00e1t, amikor bankjukban m\u0171k\u00f6d\u00e9si zavar vagy le\u00e1ll\u00e1s tapasztalhat\u00f3.<\/p>\n","protected":false},"author":12,"featured_media":27338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4000,41,590,592,39],"tags":[8792,18131,18130],"class_list":["post-27337","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual-hu","category-cikkek","category-it-hu","category-tarsadalom","category-vilag","tag-mesterseges-intelligencia","tag-smarter-stand-in-processing","tag-visa"],"_links":{"self":[{"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/27337","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27337"}],"version-history":[{"count":0,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/27337\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/27338"}],"wp:attachment":[{"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/life.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}