DataSchutzInside the authorisation window
Risk is evaluated while the transaction can still be approved, challenged or stopped.
Why DataSchutz
Controls built around the transaction decision itself.
DataSchutz combines fraud-prevention research with practical cybersecurity and infrastructure experience, supporting evaluation from sandbox design through integration planning.
Contextual risk signals
Device, session, location, behaviour, transaction and merchant context inform decisions.
Low-friction decisions
The architecture is intended to avoid unnecessary steps for legitimate users.
API-oriented integration
CELT-UV is designed for integration with payment and digital-banking decision flows.
Privacy-conscious telemetry
Contextual risk evaluation is designed around purpose-limited signals rather than broad identity collection.
Auditable outcomes
Decision factors can support explainable review and institution-specific governance.
Pilot and sandbox support
Evaluation can begin in controlled environments before any production decision is considered.
Security beyond the API
Cybersecurity, network and infrastructure services support the wider control environment.
Privacy-conscious architecture
Strict purpose limitation — telemetry, not identity.
CELT-UV is designed around purpose-limited telemetry for transaction risk scoring and security evaluation. DART - Dynamic Authorization and Risk Tokenisation (an API for fraud prevention in instant payment systems like UPI, Payshap, Wero, Pix and Fedpay) remains under development.
Data-minimisation intent
The architecture is designed not to require names, national identity numbers or bank account numbers for its contextual risk models. Final data handling depends on the agreed integration and the customer’s operating environment.
What we ingest
- User app behaviour
- Device integrity signals
- Location
- Merchant / POS score
- Transaction patterns
Telemetry separation, retention and access controls can be defined during integration to support the customer’s applicable privacy and governance obligations.