[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ligus.cz\/umela-inteligence-zna-vasi-duveryhodnost\/#Article","mainEntityOfPage":"https:\/\/www.ligus.cz\/umela-inteligence-zna-vasi-duveryhodnost\/","headline":"Um\u011bl\u00e1 inteligence zn\u00e1 va\u0161i d\u016fv\u011bryhodnost","name":"Um\u011bl\u00e1 inteligence zn\u00e1 va\u0161i d\u016fv\u011bryhodnost","description":"Prodej zbo\u017e\u00ed na spl\u00e1tky online se stal hitem posledn\u00edch let. P\u0159ib\u00fdv\u00e1 tak nesplacen\u00fdch \u00fav\u011br\u016f, a tak spole\u010dnosti mus\u00ed v re\u00e1ln\u00e9m \u010dase z\u00edskat dal\u0161\u00ed a dal\u0161\u00ed informace o sv\u00fdch klientech, a to tak\u0159ka v re\u00e1ln\u00e9m \u010dase. St\u00e1le v\u00edce tak pom\u00e1h\u00e1 spole\u010dnostem um\u011bl\u00e1 inteligence. Jednou ze zn\u00e1m\u00fdch platebn\u00edch aplikac\u00ed je Twisto, kter\u00e1 vyu\u017e\u00edv\u00e1 pr\u00e1v\u011b za t\u00edmto ov\u011b\u0159ov\u00e1n\u00edm …","datePublished":"2019-06-12","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.ligus.cz\/author\/#Person","name":"","url":"https:\/\/www.ligus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ligus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ligus.cz\/wp-content\/uploads\/img_a348770_w2914_t1563640455.jpg","url":"https:\/\/www.ligus.cz\/wp-content\/uploads\/img_a348770_w2914_t1563640455.jpg","height":0,"width":0},"url":"https:\/\/www.ligus.cz\/umela-inteligence-zna-vasi-duveryhodnost\/","wordCount":416,"articleBody":"Prodej zbo\u017e\u00ed na spl\u00e1tky online se stal hitem posledn\u00edch let. P\u0159ib\u00fdv\u00e1 tak nesplacen\u00fdch \u00fav\u011br\u016f, a tak spole\u010dnosti mus\u00ed v re\u00e1ln\u00e9m \u010dase z\u00edskat dal\u0161\u00ed a dal\u0161\u00ed informace o sv\u00fdch klientech, a to tak\u0159ka v re\u00e1ln\u00e9m \u010dase. St\u00e1le v\u00edce tak pom\u00e1h\u00e1 spole\u010dnostem um\u011bl\u00e1 inteligence. Jednou ze zn\u00e1m\u00fdch platebn\u00edch aplikac\u00ed je Twisto, kter\u00e1 vyu\u017e\u00edv\u00e1 pr\u00e1v\u011b za t\u00edmto ov\u011b\u0159ov\u00e1n\u00edm syst\u00e9m zvan\u00fd Nikita. Ten hodnot\u00ed klienty a jejich \u00fav\u011bruschopnost. Nikitu v\u0161ak vyu\u017e\u00edv\u00e1 i dal\u0161\u00edch \u0161est nebankovn\u00edch firem.Podle dostupn\u00fdch informac\u00ed pomohla Nikita ji\u017e s n\u011bkolika odhalen\u00edmi organizovan\u00fdch skupin, kter\u00e9 se p\u0159es internet sna\u017eily ud\u011blat podvody.NikitaTento software vznikl p\u0159ed v\u00edce ne\u017e \u0161esti lety. Lustrace klienta prob\u011bhne b\u011bhem n\u011bkolika sekund, i kdy\u017e je postavena na tom, \u017ee osoby lustruje v n\u011bkolika vrstv\u00e1ch. Algoritmus je nastaven tak, aby podle \u010dty\u0159 z\u00e1kladn\u00edch \u00fadaj\u016f rozhodl, zda je mo\u017en\u00e9 dan\u00e9mu klientovi p\u016fj\u010dit \u010di otev\u0159\u00edt \u00fav\u011brov\u00fd r\u00e1mec pro placen\u00ed kreditn\u00ed kartou.Na z\u00e1klad\u011b t\u011bchto \u010dty\u0159 \u00fadaj\u016f, tedy jm\u00e9na, emailu, adresy a telefonn\u00edho \u010d\u00edsla je schopn\u00e1 Nikita posb\u00edrat informace, kter\u00e9 postupn\u011b sama vyhodnot\u00ed. Dohledan\u00e9 drobn\u00e9 informace pak daj\u00ed dohromady v\u00fdsledn\u00e9 hodnocen\u00ed osoby. Takov\u00fdch informac\u00ed v\u0161ak syst\u00e9m dohled\u00e1 p\u0159ibli\u017en\u011b p\u011bt set na ka\u017ed\u00e9ho ze sv\u00fdch \u017eadatel\u016f o \u00fav\u011br.Jak\u00e9 informace dohled\u00e1v\u00e1?Nap\u0159\u00edklad si dohled\u00e1 informace technick\u00e9ho sm\u011bru, tedy jak\u00e9 za\u0159\u00edzen\u00ed z\u00e1kazn\u00edk vyu\u017e\u00edv\u00e1, v\u010detn\u011b typu a velikosti displeje. Nen\u00ed v\u00fdjimkou, \u017ee analyzuje informace z n\u00e1kupn\u00edch ko\u0161\u00edk\u016f a dal\u0161\u00ed ve\u0159ejn\u011b dostupn\u00e1 data, jako nap\u0159\u00edklad v\u00fdsledky voleb v bydli\u0161ti klienta. \u00darove\u0148 nezam\u011bstnanosti v m\u00edst\u011b bydli\u0161t\u011b \u010di hodnocen\u00ed restaurac\u00ed v okol\u00ed.Algoritmus se v\u0161ak st\u00e1le vyv\u00edj\u00ed a ji\u017e v tuto chv\u00edli um\u011bj\u00ed s\u00edt\u011b vyt\u011b\u017eit v\u00edce, ne\u017e um\u00ed nap\u0159\u00edklad bankovn\u00ed instituce. Typick\u00e9 je, \u017ee pro \u017e\u00e1dost o p\u016fj\u010dku je nutn\u00e9 vypl\u0148ovat formul\u00e1\u0159e s obrovsk\u00fdm mno\u017estv\u00edm dat, kter\u00e9 pak vydaj\u00ed bance tak zvanou bonitu klienta. Zat\u00edmco Nikita nevyhodnocuje jednotliv\u00e9 dohledan\u00e9 \u00fadaje jednotliv\u011b, ale v r\u016fzn\u00fdch vrstv\u00e1ch a d\u00e1v\u00e1 si je do kontextu v r\u00e1mci \u010dasu a prostoru.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (18 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Um\u011bl\u00e1 inteligence zn\u00e1 va\u0161i d\u016fv\u011bryhodnost","item":"https:\/\/www.ligus.cz\/umela-inteligence-zna-vasi-duveryhodnost\/#breadcrumbitem"}]}]