Nearly everything we buy, how we buy, and where we're buying from is secretly fed into AI-powered verification services that help companies guard against credit-card and other forms of fraud, according to the Wall Street Journal.
More than 16,000 signals are analyzed by a service called Sift, which generates a "Sift score" ranging from 1 to 100. The score is used to flag devices, credit cards and accounts that a vendor may want to block based on a person or entity's overall "trustworthiness" score, according to a company spokeswoman.
From the Sift website: "Each time we get an event be it a page view or an API event we extract features related to those events and compute the Sift Score. These features are then weighed based on fraud we've seen both on your site and within our global network, and determine a user's Score. There are features that can negatively impact a Score as well as ones which have a positive impact."
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