Research topic
Payment routing, settlement and risk
Routing, settling, securing and checking payments across acquirers, rails and jurisdictions.
Each paper states its method, puts its evidence in captioned tables and ends with its limitations.
Papers
A decision architecture for payment routing, retries and risk controls
We describe a design that treats payment routing, retries and step-up checks as constrained decisions, argued from work on bandits and causal inference.
Compliance by design in payment systems: a policy engine for onboarding, payments and payouts
We describe a design that expresses payment compliance rules as versioned, testable policy and calls it at onboarding, payment and payout.
Risk and trust decisions in payments: a design for calibrated, policy-constrained fraud controls
We describe a design for payment risk decisions that combines supervised fraud scores, anomaly detection, trust histories and a cost-based action policy.
A settlement engine for instant payment rails: ledger, liquidity and risk design
We describe a design for settling commerce payments and payouts on instant rails, covering the ledger, liquidity buffers, risk gates and fallback.
Programmable payments: conditional money flows as event-driven state machines
We describe a design that expresses payouts, holds, splits and refunds as rules over commerce events, compiled to verifiable state machines.
Payment routing as a constrained contextual bandit: a design for acquirer and method selection
We describe a design that chooses an acquirer and payment path per transaction as a constrained contextual bandit, with offline evaluation first.