毫秒级安全保障：Visa 基于 AWS 的 AI 驱动型欺诈防御.pdf

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1、 2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.I N D 3 3 1 3Secure in milliseconds:Visas AI-powered fraud defense on AWSAravinda Kumar NagallaSolution Architect,VisaHema ZutshiSenior Director,VisaSuraj SajoCustom

2、er Solutions Manager,AWS 2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.AgendaAccount-to-account(A2A)payments risk landscapeVisa Protect for A2A payments&requirementsArchitecture for stringent requirementsKey takeaways 2025,Amazon Web Services,Inc.or its affiliates.All rights res

3、erved.A2A PaymentsA2A payments move money directly from one bank account to another bank account in near real time,without the need for additional intermediaries or payment instruments,such as cards.Push paymentsInitiated by the account holder from their bank account to another bank account.Example:

4、Transferring money to a friend.Pull paymentsInitiated by the recipient pulling funds directly from the payers bank account.Example:Businesses pulling funds directly from a customers bank account at agreed upon intervals.2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.A2A payment f

5、lowPayment request1Payment initiation2Sending FIRTP networkPayment forwardedPayment posted3Receiving FI 2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.Annual transaction value by 2030$91.5 trillion$195 trillion Annual number of transactions by 202954 billion 1 trillion A2A paymen

6、t growth 83%113%*According to Juniper Research 2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.Annual value of fraudlosses by 2030$23 billion$58 billion Increased fraud153%*According to Juniper Research 2025,Amazon Web Services,Inc.or its affiliates.All rights reserved.Visa Protec