Advantages of Continuous Machine Learning in Challenge–Response Mechanisms for Fraud Prevention
Today’s best-effort tools for online fraud prevention are all built with the same fundamental architecture. These systems gather multiple datapoints on endpoints, monitoring behavior to quantify a risk score for each user. These risk scores rarely determine accurate risk measurement, but rather place users on a continuum of probability. Today, suspicious requests can be challenged with certainty around the result – but only when such requests are remediated according to decision points that are not within the control of attackers.