Fraud prevention · Security

Every movement is analysed automatically. Fraud is stopped before it can cause damage.

The module Fraud prevention of Marta Platform evaluates every movement in real time with rules you can set by amount, frequency, store, type and wallet. It includes detection of geographically impossible transactions: if the same customer carries out two operations in places more than Y km apart in less than X minutes, the system flags them automatically.

Suspicious movements go into UNDER_INVESTIGATION status and the values involved — points, credit and rewards — are blocked and cannot be used by the customer until the investigation is resolved.
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Movement under review: values that cannot be used, and the rule on place.
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Automatic protection

Configurable fraud rules: no movement gets through without a check

Each rule freely combines several conditions: amount of the transaction, frequency of movements in a time window, store of origin, movement type (sale, load, reward redemption) and wallet involved.

When the rule fires, you set the action: automatic approval, immediate rejection, or sending it to the queue for manual investigation. Rules are ordered by priority, and you can switch them on or off without touching the code.

Unusual frequencyActive
frequency > 5in 1 hour+wallet: Points
Action:→ UNDER_INVESTIGATION
High amount, unauthorised storeActive
amount > €500+unauthorised store
Action:→ REFUSED
Multiple redemptions on the same dayInactive
type: canje_premio+count > 3/day

Feature in focus

Geographic fraud check: it spots physically impossible transactions in a few seconds

If a customer makes two transactions from places more than Y km apart, within a time window of X minutes, it is physically impossible for them to be in both places. Marta calculates the distance between the stores in the two transactions and, if it exceeds the threshold you set in the time you configured, automatically flags the second movement as suspicious.

Both the minimum distance (e.g. >200 km) and the maximum time window (e.g. <30 minutes) are open parameters of the rule, and you can set them for each program. A national chain can use different thresholds from an international one.

The geographic rule combines with the other conditions you already have: you can set "impossible distance E amount >€200 E wallet Credit" to limit false positives.

Geographically impossible transaction
Movement AMOV #10482 · Milan Duomo · 09:14
Movement BMOV #10483 · Rome Termini · 09:22
Calculated distance582 km
Time between movements8 minutes
Rule thresholdsdistance > 200 km · interval < 30 min
890 Points blocked and cannot be used until the investigation is resolved

Manual review

Investigations: the queue of suspicious movements — with values blocked until resolution

Movements that fire a rule with the action "investigation" enter a dedicated queue in the back office. Each card shows the movement, the customer, the store, the rule that fired and the detailed log of the conditions that were checked — including the calculated distance and the time window for geographic rules.

The operator can approve, reject or set a temporary bypass. Every decision is recorded in the audit trail.

Investigation queue · 23 waiting
MOV #10483UNDER INVESTIGATION
Customer: Luca B. · Frequency > 5/hour · €890 · Wallet: Credit
Rule log: "Unusual frequency" — 7 movements in 52 min
MOV #10471UNDER INVESTIGATION
Customer: Sara M. · Amount: €620 · Store: not on the whitelist
Values under investigation blocked — points/credit cannot be spent until resolution
Log: every evaluation is traced with the rule, the conditions and the operator

Exception handling

Bypass and blocks: you handle exceptions without touching the global rules

For verified customers who trigger false positives, the individual bypass lets you take them out of fraud prevention for a period you set — without changing the rules that protect everyone else.

For confirmed cases of fraud, the temporary block immediately suspends every operation for that customer. Unblocking is manual and needs an operator with the right permissions.

Fraud-prevention bypass
Customer: Marco R. · Card: MR-00482
Bypass on
Specific customer
Expiry
30 days
✓ Bypass active until 15/07/2026
Customer blocked for suspected fraud
Customer: Andrea T. · Blocked on 12/06/2026
Reason: 3 consecutive rejections · Cumulative amount: €1.240

The loyalty program, protected
at every step of the flow

Rules

Conditions on amount, frequency, store, movement type and wallet. Action: approve, reject or send to investigation.

AUTOMATIC

Geo fraud check

Detection of geographically impossible transactions: distance Y between stores in less than X minutes → automatic investigation.

DISTANCE

Blocked values

UNDER_INVESTIGATION movements: the points, credit and rewards attached to them are suspended, and the customer cannot use them until the case is resolved.

PROTECTION

Investigations

A queue of suspicious movements, with the log and the calculated distance. Approve, reject or bypass — every decision goes into the audit trail.

MANUAL

Bypass & blocks

A temporary exclusion for a customer or a movement, and a block on a suspicious customer, with manual unblocking by an authorised operator.

EXCEPTIONS

Value saved

A dashboard of movements analysed, approved and rejected, plus the total fraud avoided in euros, from the main dashboard.

STATISTICS
All features

Built-in fraud prevention: protect your program

Configurable rules by amount, frequency, store, movement type and wallet, with actions: approve, reject, investigate.
Geo fraud check: automatic detection of geographically impossible transactions — distance thresholds (km) and a time window (minutes) you can set per program.
Values blocked during investigation: points, credit and rewards linked to UNDER_INVESTIGATION movements cannot be used by the customer until the case is resolved.
Manual investigations with statuses APPROVED / UNDER_INVESTIGATION / REFUSED, a detailed log and the calculated distance for geo rules.
Automatic evaluation on every movement, in real time, before the balance is finally credited.
Bypass for a customer or a movement with an expiry you can set, so you handle false positives without touching the global rules.
Temporary customer block with manual unblocking by an authorised operator.
Value saved dashboard: total fraud avoided, movements analysed and statistics by outcome, built into the main Dashboard.

Protect your loyalty program from fraud

Request a demo and see how to configure the fraud rules in Marta Platform in a few minutes.