System Design · PayPal · Hard
Design an online fraud decisioning system for a payments platform. The platform calls this system before a payment is authorized or captured. The system must return exactly one of four actions: approve, block, require step-up verification, or send to manual review. The decision should use transaction amount, merchant identity, account history, device fingerprint, IP and geolocation data, payment method, recent usage frequency for the card/device/account, prior chargebacks,…
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