A presentation from the Big Data Analytics conference in 2017 that looks how Worldpay, a major payments provider, uses data science and big data analytics to influence successful card payments.

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© Worldpay 2017. All rights reserved.
IF DATA IS THE NEW OIL THEN OUR DATA PIPELINES
EMPOWER PAYMENTS IN THE DIGITAL ECONOMY
David M Walker
Enterprise Data Platform Programme Director & Technical Architect
9th November 2017

2. 2 © Worldpay 2017. All rights reserved.2
Transactions Daily.
On average that’s per second.
merchants using >
payment methods & currencies
in countries and in the UK we
process % of all non-cash transactions
Worldpay In (Big) Numbers
In Store
Online
Mobile

3. 3 © Worldpay 2017. All rights reserved.3
Who are our customers?
• You probably interact with Worldpay several times a day without realising it:
• Microsoft, Netflix, Boots, AliExpress, Badoo, South African Airlines, Wagamamas
• Tesco, ASOS, 888, British Airways, BetFred, China Airlines, Valve, United Airlines
• Innogames, Just Giving, MoneyGram, Sony Europe, PaddyPowerBetFair, Comic Relief
• And we are also process the payments for over:
̶ 16,000 hairdressers - 24,000 restaurants - 9,000 pubs - etc.
• After today you will probably notice everywhere

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Acceptance CostRisk
Outcome Priority
Our vision: Multiple ‘small’ decisions on every transaction attempt
P
O
P
O
O
SGP
P
P
O
P
?
EUR
Fraud
CV2
AVS
3DS
Retry
Route
Card
History
Card Type
Regional
Customs
Credit
History
Currency
Timing
Account
Updater
ATV
Issuer
History
Security

5. 5 © Worldpay 2017. All rights reserved.5
Gateway
Application Gateway
Database
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time

6. 6 © Worldpay 2017. All rights reserved.6
Gateway
Application Gateway
Database
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time
Enhanced Acquisition
Decisions Delivered
In <100ms
Decision Service
Engine

7. 7 © Worldpay 2017. All rights reserved.7
Gateway
Application Gateway
Database
Data Delivered In Seconds
Data Delivered
In Minutes
Data
Visualization
Transaction
Throughput
Monitoring
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time
Hadoop
Enhanced Acquisition
Decisions Delivered
In <100ms
Decision Service
Engine

8. 8 © Worldpay 2017. All rights reserved.8
Machine
Learning
Gateway
Application Gateway
Database
Data Delivered In Seconds
Data Delivered
In Minutes
Data Analyzed
Over Days
Data
Visualization
Transaction
Throughput
Monitoring
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time
Hadoop
Enhanced Acquisition
Decisions Delivered
In <100ms
Decision Service
Engine

9. 9 © Worldpay 2017. All rights reserved.9
Machine
Learning
Gateway
Application Gateway
Database
Data Delivered In Seconds
Data Delivered
In Minutes
Data Analyzed
Over Days
Decision
Models
Published
With New
Insights
Data
Visualization
Real Time
Logging of
Decisions
Transaction
Throughput
Monitoring
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time
Hadoop
Enhanced Acquisition
Decisions Delivered
In <100ms
Decision Service
Engine

10. 10 © Worldpay 2017. All rights reserved.10
Machine
Learning
Gateway
Application Gateway
Database
Data Delivered In Seconds
Data Delivered
In Minutes
Data Analyzed
Over Days
Decision
Models
Published
With New
Insights
Real Time
Logging of
Decisions
Enhanced Acquisition
Decisions Delivered
In <100ms
Transaction
Throughput
Monitoring
Decision
Performance
Monitoring
41M Transactions per Day
Peaks at > 1000 Transactions per Second
Typically 2-3 seconds Transaction Time
Decision Service
Engine
Data Visualization
Hadoop

11. 11 © Worldpay 2017. All rights reserved.11
ENTERPRISE DATA PLATFORM
Who are our technology partners?

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© Worldpay 2017. All rights reserved.
Leaders in Modern Money
Innovating In Secure Modern Data Analytics
Thank You
David M Walker (david.walker@worldpay.com)
Enterprise Data Platform Programme Director