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STOP fraud in digital transactions
 StoryMirror Feed  
 11 April 2018  

StoryMirror interviewed ThirdWatch and all about their venture. Here is what they have to say.Q. Tell us about yourself and your backgroundThirdWatch is about stopping fraud in digital transactions. We are avid e-commerce shoppers and has been shopping online since 2005 indiaplaza days when we used to order books online. Couple of years back I was trying to order TV for my Dad who lives in Greater Noida on one of the top 2 e-commerce sites of India however it was not taking the order despite being prepaid. When I ordered the same item to my Gurgaon address it came through. On digging deeper we found that fraud/abuse is a big problem in e-commerce and companies sometimes use broad rules like blocking certain pin codes/cities/states and/or international credit from ordering which affect genuine users part from fraudulent.Given our experience in building big data mobile analytics system we felt confident that we can solve this problem by using Ai and big data hence started ThirdWatch in April 2016.Q. What's is your business all about?Our platform Mitra prevents fraud in digital, banking and e-commerce transactions in real time using AI. Our system captures 200+ parameters and flag every transaction in real time as red or green. It generates a risk score also which defines riskiness of the transaction.By superimposing data from our own knowledge base and from third party databases we enhance the data captured from user transaction like zip code databases , ip address databases, mobile number validity databases. We also use micro models for address profiling, device signature, account profiling and velocity profiling. We capture the whole user behavior including the time taken to place order, the device user is using to order, ip address of user, location of order amongst others.We are very stringent on data security and sign a strong NDA with our clients however we do use networks effects to multiply effectiveness of our platform by collating fraud patterns across the client base and inputting values in our ML algorithm for e.g. fraud rate of email domain, fraud rate or zip code, area and many more.Q. How do you see yourself in next 5 years? In near future we would expand to South East Asia, in long term we will expand into preventing other financial frauds including Insurance and fintech fraud.Q. Message to your customers and viewersFor every customer, Thirdwatch has always been a profit centre and never a cost centre. E-Commerce companies can avail a free 2 months trial, and can actually validate the benefit we are offering themselves.Q. Which are your main clients?  What is the process of integrations? How successful have you been in controlling such fradulent cases in India for these companies?Traction has been phenomenal since we launched, We are currently processing about 5000 transactions per day with a pipeline to reach 50000 transactions per day. Because of our NDA’s and agreements with our client we will not be disclosing clients list, but  we are working with two of the top10 E-commerce Companies of India Q. What is the background of the founders? How big is the team?Adarsh Jain (36) and Shashank Agarwal (28) came up with the idea of ThirdWatch and utilising Artificial Technology to prevent fraud in the e-commerce domain. A few years ago, Adarsh tried to buy a Television set from a leading e-commerce website from his father’s residential address in Noida. The order was unsuccessful due to the location from which it was ordered. The same order could be processed, however, from his Gurgaon address. The problem intrigued Adarsh and he started to research and find the root of this problem. He got to know about the problem e-commerce sellers face, relating to fraud and abuse by fraudulent sellers. Shashank and Adarsh have prior experience with technology solutions, with multiple patents and patent applications in their names individually. They thought of combining their efforts to come up with an all-in-one, smart solution for e-commerce platforms. With a team of 10-15 people at such an early stage of ThirdWatch, the business is growing at a tremendous pace. More people will be on-boarded soon as and when the business expands to other cities and countries.Q. Is your technology scalable to a level wherein it can be used in govt offices or banks? If yes, please give the details on when do you plan on expanding there.Currently, ThirdWatch enables e-commerce businesses to prevent fraud and abuses they come across in form of promo code abuses, chargeback frauds, RTOs, Cash on Delivery frauds, identity frauds, and much more. ThirdWatch's AI- Mitra can be definitely used by Government agencies and banks to detect fraudulent users and block risky transactions. With regards to banks, Mitra can be easily employed to detect fraudulent credit/debit card payments, fake users, multiple accounts held by users to make fraudulent transactions, etc. Mitra can also be useful in the Digital India and Cashless society initiatives undertaken by our Government. There are numerous websites and apps that enable us to transfer money, complete e-KYC, file returns, etc. However, the risks associated with these apps are similar to the risks faced by e-commerce sellers. With AI, detecting and preventing fraud for the Government and Banks is easily plausible!Q. Data security being the Crux in today's internet era, how do you ensure maintaining that? ThirdWatch ensures complete security of the data provided by our clients with its strict Non-Disclosure Policies and Security Measures. The data provided is only used for analysing it and highlighting the transaction into 'risky' and 'fake' transactions. The security parameters are never compromised, and we maintain unmitigated security standards for the data we receive from our clients.Social Media Handles - Facebook - https://www.facebook.com/thirdwatchai/LinkedIn - https://www.linkedin.com/company/thirdwatch-data-pvt-ltd/Twitter - https://twitter.com/thirdwatchaiG+ - https://plus.google.com/u/0/b/110280512617140226197/110280512617140226197Youtube - https://www.youtube.com/channel/UCWWWl8h50-w5xuek0GtUEKQ 

DHARM KI STHAPNA
 Atul Agarwal  
 4 December 2018  
Art

Respected Sirs,SUBJECT :- Cleaning of Society by Confession and Forgiving, Opportunity of Self Punishment or PRAYSCHIT, ReformationDHARM KI STHAPNA, is the hour of need. We are in minus, having numerous problems. How much minus? Unascertainable, endless ? Where to start to overcome these problems, no definite way is visible ? One major problem is of dishonesty. I hereby take liberty to suggest a way to overcome this problem. We may try to build a platform. We may restart our civilization. First, we declare ourselves to be on Zero. At different times, Government had launched Voluntary Disclosure of Income and Wealth Schemes (called VDS, VDIS, VIDS, Amnesty, etc.), first in 1951, second & third in 1965, fourth in 1975 and fifth in 1997. The broad objectives of all the VDSs were to unearth the undisclosed income & wealth, provide opportunity to the past evaders of tax to adopt the path of rectitude & civic responsibility, to mobilize resources and to channelise funds into priority sectors of the economy. Though the financial outcome of the VDSs of 1975 & 1997 might had been good, but, from the present scenario, you can very well visualize that, apart from collection of some earthed money (that too, of individuals own choice), none of the other objectives (in particular, returning to the path of rectitude & civic responsibility) were / have been achieved. Please introduce some more schemes. Scheme – I This time, scheme should be, not to only disclose the undisclosed income & wealth, but, a scheme of confession / declaration of every dishonesty / financial sin, including disclosure of all bad / black money / assets and surrender thereof. Percentage of surrender be fixed. Government will have to assign / designate this work to some department/s, which shall work as fast track courts in every district or even in rural areas, by taking cognizance of confession / declaration, by taking possession of surrendered money / assets, thereby implying compounding of offences, and forgiving / acquitting the declarant. However, such designated courts may have the power not to acquit such declarants, whose cases are linked with our Country’s security and integrity. This scheme be the last opportunity to us to return to the path of rectitude and civic responsibility. From the date of announcement of the scheme, dishonesty be put to strict vigil and immediate & deterrent punishment, which be continued for ever. After the closure of scheme, the non-declarants of bad / black money be searched, that money / assets be seized / disgorged and they be put for time bound trial before the fast track courts. Besides the black money in our Country, it has been reported (as read in newspapers) that the black money of over Rs.25 (some say Rs.70) Lakhs Crores of our Country was stashed in Swiss banks. This staggering amount of black money is a big hole in the national exchequer and the same can be diverted to the Country’s growth. Amazingly, each of 6 Lakhs villages in our Country would get a share of Rs.4 to Rs.10 Crores if the full amount of black money is retrieved, only from Swiss banks. Now is the time for Government to regain the black money, for which, aforesaid proposed scheme may be first used. Scheme – II In criminal cases, guilt may be divided in 5 categories e.g. negligible guilt, minor guilt, middle class guilt, major guilt and very major guilt. Cases may be discontinued / acquitted in the event of negligible guilt. Offences of minor and / or middle class guilt may be decided by consent orders by payments of expenses / costs & monetary penalties to the courts and damages / compensation to the complainants, by the accuseds. Cases of major guilt and very major guilt be decided in a maximum period of 02 years (one year at Lower Court, six months at High Court and six months at Supreme Court). Scheme – III All the civil disputes be first referred to system of jury / arbitration, where jury members / arbitrators, in each dispute, should first work towards an amicable settlement / conciliation and if the parties do not settle amicably, jury members / arbitrators will pronounce Order / Arbitration Award. Thereafter, there may be time bound court proceedings of maximum one year, upto the level of Supreme Court. This had been provided in CPC Amendment Bill of year 2000, which, probably, was put in THANDA BASTA / scrapped. Decree and Execution be clubbed. All, at least by heart, will welcome, these schemes, because they will have the opportunity for GANGA SANAN. Over 3 Crores cases are pending in courts across our Country. Clearing the backlog of cases is one of the biggest challenges. These schemes will substantially reduce the number of cases and will ease the burden of judiciary and all concerned & investigating departments of Government. Only by honesty, all plans of Government will truly reach to goal, including vision of Rural India. When honesty will prevail, there will be action (KARM) and that action will be in right direction & spirit. Government should do it. Victory is where justice reigns. With regards, Sincerely yours 

Relationship
 Pallabi Das  
 9 February 2019  
Art

Surrounding is a key factor in everyone. In my surrounding everywhere marriage is going on.When it comes to my marriage, I'm afraid of marriage and started thinking about lots of things.I'm very much clear about my choices and my family choices but still, I'm in dilemma to get marry andmake a new family.I did some research for that.I found some answers from my heart and some from observing my family & friends and some from media.I asked myself some questions so many times- what is marriage, what is good for me,love marriage or arrange marriage and how I know I got the right person, etc?Different people define it in different ways. Not even sociologists are able to agree on a single meaning.According to me, love is God gifted, it's doesn't matter you got love marriage or arrange marriage,in every marriage life love is essential. It does not matter, you love someonebefore or after marriage, the fact is how much you love him/her, how much you sharing and caring.Marriage and family are key structures in most societies.I am going to share some of the important things to make a healthy marriage  -1.TrustJohn Gottman, one of the nation's foremost  researchers of marriages and families, says that "trust is essential to healthy relationships and healthy communities."If you have strong trust then your relationship is healthy nothing will harm your relationship.2.TogethernessSometimes you do what you like, and other times you do...what the other person likes.Maybe people will understand this is a compromise but it's actually the color of love.You spend time together doing things you both enjoy.Whether that's hiking, food tasting,  watching movies or listening to any song, or even working together.If one spouse is passionate about writing and reading then the other person should make time to read and give some tips to improve.3.Time ApartSometimes, giving space for each other is necessary.It is a boring life to spend 24 / 7 together and can't have separate interests and hobbies.you both understand, and respect, that you need time apart doing what you want to do.4. Attentiveness for each otherEven if u get the best chance for going somewhere or your favorite movie ticket,if your partner is not feeling well or he/she has some important work to do thendon't force.understanding each other's situation is the best part of your relationship.5.SharingSharing small things also gives more pleasure.If your situation is bad, don't hide it,since they will be there to comfort you and help you figure out ways to move on from this bad situation.6. Change OvernightDon't expect each other to change overnight.If your spouse is fat or thin or any bad habits they have then that won't make you feel ashamed or even expect you to change overnight.Make them understand that change is a process, and I will support you along the way.7. Do FightsDo some productive fights with him/her.This means listening to each other, understanding and respecting each other's viewpoints,and finding common ground so that you can strengthen your marriage.8. Value and GoalsShare each other's values and goals.I think it would be boring if a couple had the exact interests or personalities.so respect each other's interest and personality.Don't expect the same personality as yours.Let your spouse know how much you are proud of him/her. Celebrate his/her smallachievements.9. Helping each otherHelp each other to become more successful and to maintain a productive work-life balance. I saw in my family, a spouse is also your biggest strength in helping you achieve your goals and will do whatever they can, to help you overcome obstacles blocking your path to success in work and life. And they're genuinely excited when you succeed.10.Laugh“Against the assault of laughter, nothing can stand.” – Mark Twain.Make your marriage fun and happy. Tell some words which make your spouse cheer up.When life is stressful this the best way to cheer up.11. ListenListen to him/her rather talking more (vise versa).Your spouse needs the gift of your time and attention.When you listen generously, your spouse will feel secure in coming to you with their concerns, hopes, and fears.Once you’ve identified what your spouse is feeling—whether it’s anger, sadness, frustration,anxiety, or excitement—you can adjust your responses based on their emotional state.When our emotions go into a tailspin, it can be difficult to keep communication healthy.One way to build intimacy in your relationship is by sharing your thoughts and feelingswith each other and then responding to those disclosures in a way that makes you both feel good.12.Seek KnowledgeSeek knowledge from each other.You may don't have the same knowledge.The right person is someone who is interested in learning and growing intellectually by constantly seeking knowledge.13. Ask for helpNever hesitate to ask for help.Asking for help is not your weakness.When you ask your spouse for advice or help you're respecting and admitting the fact that they have more experience or skills in an area that you're not that familiar with.14.Financial goalsYou share the same financial goals.Even the greatest of relationship can end in a break up due to financial differences and concerns.You should both be on the same page when it comes to your financial goals, such as how much moneyyou need to live a happy and stress-free life and how you're going to save for retirement.Strong couples create and share budgets, as well as generate financial challenges for themselvesin order to put their finances in order.15.Physical AffectionThe ways in which we can express physical affection vary and more research is needed.Physical affection is related to lower blood pressure & releases feel-good hormones.One of the reasons why hugging, holding hands, and touching feel good to us is that these behaviors elevate our level of oxytocin, a hormone that reduces pain and causes a calming sensation.How important is physical intimacy in a relationship and what does it really mean?It’s an expression of love.Being physically intimate means more than simply heading to the bedroom with your spouse.Physical intimacy can range from eye-contact, holding hands, cuddling, and of course, sex.Physical intimacy involves a deep emotional connection.Having a deep connection to your spouse on this level helps build trust, boosts morale, and has many health benefits.

Understanding of Behaviors of the Children Who Have Been Abused
 Linda Norwood  
 31 May 2019  
Art

In the present times, the cases of children's abuse are frequent in the community due to the changes of family values and social problems. This issue is important as it touches many people who have children and want to protect them. To understand behaviors of the children who have been abused one should analyze the psychological factors crucial for them. One can distinguish two kinds of abuse: physical and sexual. Children aging from 3 to 14 years old can undergo sexual and physical abusing. The behaviors of the children depend on the kind of abusing, ethnicity, gender and age. Moreover, verbal and non-verbal languages are the ways of revealing the differences between abused children. This research paper intends to study behaviors of the children who have been abused and analyze the psychological factors.Literature ReviewThere are a great deal of discussion posts towards this topic. Majority would agree that children who have been abused have their patterns of behavior that are characterized by non-verbal gestures. In addition, non-verbal behaviors can be the determinants of physical or sexual abuse that is revealed through interviewing. For example, using such method as interviewing it have been revealed the fact of abusing. Moreover, the participants of interviewing were stressed and depressed when they answered the questions about physical and sexual violence. In addition, indicators of physical disengagement and stress were progressing while positive emotions were decreasing. Consequently, non-verbal behavior can tell a lot about physical and sexual abuse of children. Non-verbal behavior includes gestures, body movement, language intonation, facial expressions and eye contact.Different kinds of physical evidence, photographic evidence, medical evidence and eyewitness are the ways of determining children's sexual abuse. These are independent measures that can provoke the necessary feelings, emotions and patterns of behavior of children who have been abused. One should mention that indicators of sexual abuse are diverse. They can include disclosure, sexual awareness, symptoms associated with trauma, fears, anxiety, mood changes, conduct problems and other behavioral changes. Furthermore, data from interviewing children is related to the negative experience that oppresses them and can lead even to suicide. In addition, there are such children who are offenders and admit their participation in sexual abuse. Consequently, they can also feel similar emotions. It is important to determine who is an offender and who is a victim as children are cunning and can hide information.Sexual abuse is harmful to the mental order of children. Younger children are more eager to tell about their stressful situations rather than teenagers who feel somalization, anxiety and depression. Therefore, interviewing should also correspond to ethnical, gender and age differences of children. Kathleen Ratican insists that shame and guilt can prevent children from being totally sincere during interviewing. Furthermore, one can see sexually abused children through their relationships with other people. In addition, abused children can be aggressive and hostile to those who interviewed them supposing them to be enemies. Facilitating disclosure and treatment approaches for helping sexually abused children.Sexual abuse is shameful, embarrassing and private topic for discuss. Thus, not all children can admit being sexually abused and provide the objectivity of interviewing. The factors that restrict the reliability and sincerity of interviews are gender, age and individual characteristics. However, one should not use such improper methods as reinforcement (rewards, punishments), social influence, asking suggestive questions to get the necessary information. Furthermore, sexually abused girls are opener comparing with boys by providing more details. Children between 4-6 years old can also give more information due to their trust and childish naivete?.Researches underline the importance of choosing techniques for interviewing children in sexual abuse cases. It is evident that after such negative experience children lose trust, therefore, it is important to establish the contact with them and provide friendly atmosphere. First of all, it is crucial to distinguish the kind of abuse, the reasons and consequences of the violent behavior. There are common patterns of behavior of children who have been abused. These are negative feelings, reservation, depression and hostility. To reveal the fact of sexual abuse in young children one should use play therapy, for example, dolls. However, there can be false answers where children can lie about their sexual or violent abuse. It can be related to their mental and psychological disorders or desire to attract attention of the adult people. In conclusion, one should say that interviewing is one of the best ways to understand behaviors of children who were sexually and physically abused. Interviewing should also correspond to ethnical, gender and age differences of children. Verbal and non-verbal languages can reveal the necessary information and provoke feelings related to physical and sexual abuse. Gender and age are the most important factors that influence children's answers during the interview. Disclosure, sexual awareness, symptoms associated with trauma, fears, anxiety, mood changes, conduct problems and other behavior changes refer to the types of behavior. One should say that every person has his/her individual characteristics that make him/her opener or more reserved. Consequently, girls can inform more details while interviewing, as they are too emotional. As to boys, they are more reserved and suspicious. Yet young children are the most sincere and trustworthy.