Supplemental Data Ingestion for Payment Risk Platform

With Galileo’s Supplemental Data Ingestion you can send supplemental dispute data to Payment Risk Platform (PRP) to be leveraged for developing risk signals, building rules, and models. Data is sent through Secure File Transfer Protocol (SFTP) using the appropriate data schemas based on the use case.

Although PRP detects suspicious authorizations in real time, it may not have full insight into post-authorization data such as dispute details, customer risk data, or any of your internal data. Integrating external data with PRP can provide a more comprehensive understanding of your customers, the merchants they transact with, and their behavior. This expanded visibility enables the detection of more sophisticated risk signals, such as cardholder dispute rates and merchant fraud rates. Supplemental Data Ingestion is especially valuable if you have additional data outside of Galileo and want to develop advanced risk signals to improve your fraud-detection capabilities.

Key benefits

By pushing more data to Galileo through Supplemental Data Ingestion, you enable PRP to become a single source of truth for risk management. This allows you to:

• Build rules and generate risk signals — Develop advanced risk signals and build rules to gain deeper insight into account holder behavior, helping you identify risky patterns and anomalies.
• Protect cardholders with custom blacklists — Implement custom merchant blacklists to enhance cardholder protection.
• Improve machine-learning performance — Depending on the use case, your additional data may be used in Galileo's proprietary machine-learning models, keeping them fresh and accurate to detect suspicious behavior. This also enables the potential to develop your own specific machine-learning models.
• Transaction GScore — If you leverage Galileo's Transaction GScore, disputes data is a critical component for machine-learning model training and tuning, and providing this data establishes the complete feedback loop necessary for continuous model improvement.

Use cases

Currently, Galileo specifically supports ingesting disputes data to PRP for clients who do not process disputes through Galileo but utilize PRP. This provides a crucial feedback loop for authorization into PRP, capturing the complete lifecycle of customer spending. In the future, Galileo will support other data sets such as customer risk profiles, and merchant blacklist/whitelists, which can be utilized to develop features, rules, and models within PRP.

Implementation

Contact Galileo to set up Supplemental Data Ingestion for your program and to discuss any additional supplemental data use cases you may have. We'll help assess and support your specific needs.