Maximizing Fraud Prevention Through Disruptive Architectures Delivering speed at scale.

Transcription

1 Maximizing Fraud Prevention Through Disruptive Architectures Delivering speed at scale. January 2016

2 Credit Card Fraud prevention is among the most time-sensitive and high-value of IT tasks. The databases are large, the queries are complex, many millions of transactions happening at any given moment and every transaction must complete in a very limited amount of time. We share this study with the recognition this solution is broadly applicable to the cousins of Credit Card Fraud prevention: insurance fraud prevention, health business fraud prevention, homeland security, cyber security, currency fraud prevention, trading analytics. These have the same time-sensitive, high-value IT task profile: large databases, millions of transactions, complex transactions, and strict time limits to complete.

3 Delivering the next-generation open source NoSQL database that powers the world s leading Web-scale real-time big data platforms

4 Cyber Fraud is Rampant $32B The cost to retailers in Preventing payment fraud is challenging, especially as methods of payment fraud have become extremely sophisticated and constantly evolving. Stats & Facts Source: Lexis Nexis 2014 via BI Intelligence 4

5 Percent of Fraud by Channel The growing volume of online payments continues to make the online channel attractive to criminals. Online Source: 2014 LexisNexis True Cost of FraudSM Study Stats & Facts 5

6 2015 Holiday Sales Amazon, said it improved on last year s Black Friday results when it reported sales of 500 items per second. Stats & Facts Source: comscore, IBM, HookLogic, Adobe, Pitney Bowes,2015 6

7 7 The Quest for a More Secure System Over the last few years, card issuers have spent between $200 million and $800 million to distribute new debit and credit cards Large retailers have spent more than $8 billion to install new card readers capable of reading the chips. The cost of fraud is eaten by the banks, the merchants and the financial institutions.

8 Fraud Prevention Modern fraud prevention seeks to use patterns to detect and stop fraud as it is occurring within a Service Level Agreement (SLA). It is subject to one simple rule: SLA = 750 milliseconds This limit is not imposed due to technical requirements or limitations. It is due to human perceptions of time. This means that you cannot extend it. The Quest for a More Secure System

9 The Value of a Second Previous solutions typically involved expensive, brute force, in-elegant solutions. And IT pros have indicated a new solution is warranted. Fortunately, there is a better way. Dell, Samsung and Aerospike have collaborated to engineer and test a real-world solution for Credit Card Fraud analytics employing best of breed Servers, NVMe SSDs and a NoSQL database engineered from the ground up for SSD Performance. The Quest for a More Secure System

10 Time-sensitive, High-value Cutting just 3 seconds off load time generates a revenue increase of 7-12% Amazon s calculated that a slow page load of just one second could cost $1.6B in sales each year 21% of online shoppers abandoned shopping carts because the process was taking too long

11 Challenges Old Style Architecture Has Significant Limitations Real-time Cons umer Facing Pricing / Inventory/Billing Real-time Decisioning Streaming D ata Challenges Complex Maintainability Durability Consistency Scalability Cost ($) Data Lag Caching Layer Operational Database HDFS Based Legacy Database (Mainframe) RDBMS Database Transactional Systems Time-sensitive, High-value

12 Benefits Complements & Extends the Value of Existing Legacy Systems Real-time Consumer Facing Pricing / Inventory/Billing Real-time Decisioning Streaming Data Benefits Simplicity Maintainability Durability Consistency Scalability Cost ($) Data Lag Reduced Aerospike Connectors Next Generation Operational Database Powered by High Performance NoSQL Enterprise Environment Legacy Database (Mainframe) RDBMS Data base Transactional System Time-sensitive, High-value

13 Before and after Traditional RDB One database instance for writes Another mirrored database instance for reads Big Licensing $$ Aerospike Cluster Dell Servers 10Gb Network Samsung NVMe SSD No Relational DB license fees

14 Existing Solution End User Fraud Prevention Engine 1. DB can handle 100 TB+ Data RAM Cache Database Tier Relational DB (Write Mode) 3. Failover is possible but not immediate 5. To maximize speed relational DB is in bulk insert mode 6. Load time is hours Big Data Legacy Relational DB (Read Mode) 7. Relational DB requires predetermined schema 2. Use of RAM cache leads to inconsistent performance 4. Relational DB does not scale horizontally Third Party Before and after

15 Wish List Scorecard For Aerospike System End User 1. DB can handle 100 TB+ Data 3. Failover is built into architecture Fraud Prevention Engine Aerospike Node Aerospike Node Aerospike Node Aerospike Node Aerospike 2. No RAM cache; uses Node NVMe SSDs 5. To maximize speed relational DB is in bulk insert mode 6. Load times are 1-2 hours 7. Flex schema 4. Scale by adding nodes Big Data Legacy Third Party Before and after

16 Deployment Plan Deployment Plan

17 Dell Data Center Infrastructure. Made to simplify. Ready to Scale. Dell Netshelter SX racks Deploying server, storage and networking equipment and other IT hardware while optimizing power, cooling, cabling and systems management Dell KVM and KMM Managing from 8 to 1,024 local and remote servers running various operating systems across the enterprise. Dell Smart-UPS Line Interactive Delivering reliable power and protecting IT equipment, including servers, storage, and networking equipment. Dell Smart-UPS Online Delivering reliable power and protecting IT equipment, including servers, storage, networking, point-of-sale and medical equipment. Deployment Plan 17

18 Samsung Deploying tomorrow s technology Today! World s #1 SSD Supplier World s #1 NAND Producer World s #1 DRAM Producer Best performing Enterprise NVMe SSD* Based on Innovative, 3D V-NAND technology SM1715 (available now) - Random performance: Up to 750,000 IOPS - Sequential performance: Up to 3,000 MB/s - High capacity: Up to 3.2TB PM1725 (coming soon) - Random performance: Up to 1,000,000 IOPS - Sequential performance: Up to 6,000 MB/s - High Capacity: Up to 6.4TB World s Fastest SSD Deployment Plan * 18

19 Samsung Turbo-Charge Your Flash Solution SATA SAS NVMe PCIe (x4) Bandwidth Latency X MB/s Bandwidth 1200 MB/s Bandwidth 4,000 MB/s 10 μs 10 μs X μs Latency Latency NVMe Unleashes the Power of Flash Storage Deployment Plan 19

20 Case Study: Deployment Plan In choosing their production deployment, a financial institution has chosen a hardware platform that minimizes latency by using Dell servers and tested both SAS and NVMe SSDs to determine which would be the best choice. These tests clearly illustrated Samsung NVMe SSDs were the best choice. Each of the 54 nodes: Dell 730xd 2 x 12 core Intel Haswell CPU 256 GB RAM 2 x 3.2 TB Samsung NVMe SSD

21 Case Study: Full Production Statistics/Performance Requirement Aerospike System Notes Number of objects 30 B Volumes of data used will grow at a non-linear rate. Total SSD space needed 1440 TB With 3 clusters, data is actually replicated 6x. Load speed (throttled by bank) 1 M writes/second 8 M writes/second possible Current plans are to still do batch loads, but stream l oading is possible. Application read latency ~250 microseconds These results are based on customer actual test app lication, not generic benchmarks. Total query time (at 300 DB queries per transaction) ~75 milliseconds With query times only 10% of the SLA, there is now t ime to do new kinds of fraud detection. Projected data lag Seconds Data from the immediate past will now be usable by the fraud detection algorithms.

22 Key Takeaways Maximizing Fraud Prevention Through Disruptive Architectures Credit Card Fraud prevention is among the most time-sensitive and high-value of IT tasks. We provide next-generation open source NoSQL database that powers the world s leading web-scale real-time big data platforms. Cutting just 3 seconds off load time generates a revenue increase of 7-12% Dell, Samsung and Aerospike have collaborated to engineer and test a real-world solution for Credit Card Fraud analytics employing best of breed Servers, NVMe SSDs and a NoSQL database engineered from the ground up for SSD Performance. Deployment Plan 22

23 For more information: Thank you!