Typically, a risk evaluation request from an upstream business application needs to be processed and completed within a few hundred milliseconds.
.png "risk engine for equities")
On the other hand, the performance requirement of data integration is very strict. For this reason, a per-source integration is needed, in order to make sure each data source can work correctly. All such disparate data, at the granularity level of data fields, need to be integrated with and understood by the decision engine. However, risk data sources are vast: There are hundreds of databases with various data structures and schema, and thousands of business domain services with arbitrary request/response payload structures. There are only a few types of I/O devices (memory, SATA devices, PCI devices, that kind of thing) with standardized access protocols. A major difference, though, is that risk data source integration is far more complex than a computer.
2: Computer system architecture from a user’s perspectiveĪs a result, the risk decision engine architecture (Fig.
#RISK ENGINE FOR EQUITIES SOFTWARE#
Technically, its function is similar to what a CPU contributes to a computer: it evaluates risk policy rules (like CPU instructions) prescribed by analytics teams (like software programmers) with various input data (like i/o read) integrated, and executes actions (like i/o write).įig. From a business perspective, risk control involves not only engineers who build such capabilities, but also analytics teams who investigate risk incidents, analyze risk trends, design risk policies and deploy rules and configurations using the infrastructure.Īt the core of this infrastructure is our “Decision Engine.” It acts like a judge in a legal system to determine whether certain user behaviors are risky or not according to prescribed rules, and then sends out “pass” or “block” actions for execution. For this reason, real-time data-driven risk control has been a vital part of the eBay platform for over two decades.įrom a tech perspective, risk control is a comprehensive system consisting of many components that extend to and integrate with virtually all business processes, such as item listing, item viewing, checkout and payment processing.
Violations like these can cause financial or non-material loss to our buyers and sellers, as well as to eBay as a company. These include, but are certainly not limited to, account take-overs, collusions, money laundering and more. One of eBay’s consistent struggles, one common to all ecommerce platforms, is catching cyber attacks.
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