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1、Jun. 5, 2014 Rong Yan BIG DATA Square 2014中美中美创创新新链链接大数据研接大数据研讨讨会会 主主办办方方： 中美中美创创新新协协会会 (CHAIN) 北京市科北京市科协协 演演讲讲人人： 颜嵘颜嵘，Square数据科学数据科学总监总监 2014年年6月月6日日 北京国北京国际际会会议议中心中心 Birth of Square Stand Reader Commerce Cash Market Our Mission Make commerce easy. Data Commerce The Next Big Thing Why BIG Data? Im
2、prove merchant efficiency Strengthen customer relationship Square Capital 3M+ Readers $30B+ Annualized Scale Offline and Online Amount Location Item Desc. Card # Credit Score FB Profile Demography Inventory Haircut Price Turn Data into Business Value Fraud Detection Fraud Detection in the payment fl
3、ow Bank Clears for settlement Suspect 2000 sellers Risk Ops Transaction review 150,000 active sellers per day Risk ML Fraud Detection Payments near-real-time ML Architecture Merchant Devices Bank Accounts Machine Learning (300+ features) Suspicions Future: BIG Data in Commerce “Small” Data Predictiv
4、e insights Security and Privacy Online + Offline Data Square in the Press (WIRED, 05/14) Data Square in the Press (WIRED, 05/14) Data Square Random Forests: Decision Tree Ensemble Decline Rate = 20 Amount = $1000 0.4 0.7 No Yes No Yes Decline Rate = 0.3 No Yes Amount = $20000 Age = 22 0.8 0.6 No Yes No Yes Tree 2 Bad, 0.9 Good, 0.4 Bad, 0.6 Square Market Recommendation Strauss Coffee