200 1

Stripe Radar AI Stripe Radar Stripe

Stripe Radar Stripe Radar

33%

SaaS

Stripe Radar Stripe

Radar Stripe Stripe Radar Radar Plus

Stripe Stripe / IP

Stripe Stripe 90%

Radar Stripe Radar Stripe (ground truth)

Stripe

true false/ Stripe /

20

• Google
  
• Amazon
  

Stripe Radar

//

3//

Radar Stripe Stripe

65% 35%

AlphaFold 98% Stripe Radar 20%

(1) (2)

Stripe IP IP IP (UTC)

Stripe IP Hadoop

/

Stripe Uber Lyft Slack Stripe /

Word2VecBERT GPT-3 Stripe Stripe

0.7 P(fraud)>0.7

• 10 6 P(fraud)>0.7 6 4 4/6=0.66

• TPR P(fraud)>0.7 10 5 4 P(fraud)>0.7 4/5=0.8

• 10 5 2 P(fraud)>0.7 2/5=0.4

- ROC

1.0 100% 0 1.0 100%

-

Stripe - Stripe -

- 1.0-

• -

ROC ROC ROC x TPRy

ROC 1.0 0.0ROC AUCAUC 1.0-ROC AUC

0.0 1.0

0.0 1.0

0.0 1.0

P(fraud)>0.7

80% 20%

ROC -

• Stripe IP Stripe API Stripe

• Stripe Stripe

Radar

-- ROC Stripe

Stripe

26 8% 26.00 8.00% = 2.08 26.00 2.08 = 23.92 15 23.92 + 15.00 = 38.92 38.92 /2.08 = 18.71 1 / (1 + 18.71) = 5.07%

Radar Radar Radar Plus

Radar Plus IP // 1000

Radar

-

-

Stripe Radar

Stripe Radar