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After nearly two weeks of announcements, OpenAI capped off its 12 Days of OpenAI livestream series with a preview of its next-generation frontier model. Out of respect for friends at Telefónica (owner of the O2 cellular network), and in the grand tradition of OpenAI being really, truly bad at names, its called o3, OpenAI CEO Sam Altman told those watching the announcement on YouTube. The new model isnt ready for public use just yet. Instead, OpenAI is first making o3 available to researchers who want help with safety testing. OpenAI also announced the existence of o3 mini. Altman said the company plans to launch that model around the end of January, with o3 following shortly after that. As you might expect, o3 offers improved performance over its predecessor, but just how much better it is than o1 is the headline feature here. For example, when put through this year's American Invitational Mathematics Examination, o3 achieved an accuracy score of 96.7 percent. By contrast, o1 earned a more modest 83.3 percent rating. What this signifies is that o3 often misses just one question, said Mark Chen, senior vice president of research at OpenAI. In fact, o3 did so well on the usual suite of benchmarks OpenAI puts its models through that the company had to find more challenging tests to test it against. One of those is ARC-AGI, a benchmark that tests an AI algorithm's ability to intuite and learn on the spot. According to the test's creator, the non-profit ARC Prize, an AI system that could successfully beat ARC-AGI would represent "an important milestone toward artificial general intelligence." Since its debut in 2019, no AI model has beaten ARC-AGI. The test consists of input-output questions that most people can figure out intuitively. For instance, in the example below, the correct answer would be to create squares out of four Tetris shapes using dark blue blocks. ARC AGI On its low-compute setting, o3 scored 75.7 percent on the test. With additional processing power, the model achieved a rating of 87.5 percent. "Human performance is comparable at 85 percent threshold, so being above this is a major milestone," according to Greg Kamradt, president of ARC Prize Foundation. Developing... This article originally appeared on Engadget at https://www.engadget.com/ai/openais-next-generation-o3-model-will-arrive-early-next-year-191707632.html?src=rss
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On Friday, the Consumer Financial Protection Bureau (CFPB) sued four financial companies involved with Zelle. The CFPBs lawsuit (via CNBC) accuses Zelles operator (Early Warning Services) and three of the services partner banks JPMorgan Chase, Bank Of America and Wells Fargo of failing to protect consumers from widespread fraud on the peer-to-peer payment system. The CFPB says customers of those three banks have lost over $870 million during Zelles seven years as a payment service. The suit claims hundreds of thousands of customers who filed fraud complaints were denied meaningful assistance, with some being told to contact the fraudsters directly to recover their money. (Pro tip: Dont do that.) The nations largest banks felt threatened by competing payment apps, so they rushed to put out Zelle, CFPB Director Rohit Chopra wrote in a statement. By their failing to put in place proper safeguards, Zelle became a gold mine for fraudsters, while often leaving victims to fend for themselves. The CFPB says one of the systems loopholes is that its tokens (linked US phone numbers or email addresses) can be used and reassigned across different banks. The agency claims fraudsters can exploit this by connecting a victims number or email to the perpetrators deposit account, causing payments meant for the consumer to go to the scammers account instead. The suit accuses Zelle and the banks of allowing repeat offenders to bounce between financial institutions with impunity. Banks did not share information about known fraudulent transactions with other banks on the network, the CFPB wrote. As a result, bad actors could carry out repeated fraud schemes across multiple institutions before being detected, if they were detected at all. The CFPB also claims the defendant banks didnt heed red flags to prevent further fraud, report incidents consistently or on time, properly investigate customer complaints or take appropriate action. On Friday, Zelle framed the governments lawsuit as a political hit that would help criminals and force them to charge fees. The CFPBs attacks on Zelle are legally and factually flawed, and the timing of this lawsuit appears to be driven by political factors unrelated to Zelle, Jane Khodos, Zelle spokesperson, wrote in a statement. Zelle leads the fight against scams and fraud and has industry-leading reimbursement policies that go above and beyond the law. The CFPBs misguided attacks will embolden criminals, cost consumers more in fees, stifle small businesses and make it harder for thousands of community banks and credit unions to compete. In September, JPMorgan Chase wrote in a quarterly filing (via CNBC) that it would consider counter-litigation if the CFPB took action against the bank for its role with Zelle. Last month, The Washington Post reported that President-elect Donald Trump and Congressional Republicans plan to limit the CFPBs funding and powers, aligning with the agendas of large financial institutions. Elon Musk and Vivek Ramaswamy, his government efficiency advisors, have said they want to eliminate the agency, which was established in 2011 in response to the 2007-08 financial crisis and resulting recession. Killing the agency would require a congressional vote that wouldnt likely pass, given Republicans thin majorities. But they could do what Trump did in his first term: appoint a new director to slow or stop regulatory actions, effectively kneecapping the agency as long as theyre in charge.This article originally appeared on Engadget at https://www.engadget.com/cybersecurity/the-us-consumer-financial-protection-bureau-sues-zelle-and-four-of-its-partner-banks-175714692.html?src=rss
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Netflix has inked a deal with FIFA to snag exclusive US broadcasting rights to the next two Womens World Cup tournaments, according to a report by ESPN. This contract covers both the 2027 and 2031 events. Neither entity has described the financial value of the deal, but it has been reported to be the most significant contract that FIFA has ever signed with a streaming service for a major tournament. FIFA president Gianni Infantino called it a landmark moment for sports media rights and a truly historic day for broadcasting and for women's football. This happened because FIFA unbundled the media rights for the womens event for the very first time, which goes into effect after Fox airs the next Mens World Cup in 2026. The 2027 Womens World Cup is being held in Brazil. The 2031 event doesnt have a home yet, but the US is expected to make a bid. This is a fairly big deal for Netflix, given that FIFA reported that a full 1.12 billion people watched the 2019 Womens World Cup, which the US won. This is a global number, of course, but the 2023 tournament recorded the highest-ever US domestic viewership. The sport is certainly catching on over on this side of the pond. Netflix has been making big moves into the world of live sporting events as of late. There was that utterly ridiculous Jake Paul/Mike Tyson fight, but the platform will soon be home to the weekly WWE Monday Night Raw broadcast.This article originally appeared on Engadget at https://www.engadget.com/entertainment/streaming/netflix-scores-the-broadcasting-rights-to-the-fifa-womens-world-cup-174017963.html?src=rss
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