Operations safety

Two-phase performance of operations

Operations carried out at the POS terminal require confirmation or cancellation. It means that after purchasing operations (calculation of direct discount and amount of bonus points for accrual, deduction of bonus points, refunds, etc.), it is required to send a command to confirm or cancel the receipt. The purchase is considered incomplete until it is confirmed or canceled.

This mechanism enables to avoid mistakenly conducted transactions, prevents a change in the balance of the customer or POS account until confirmation of purchase operations is received.

Operation limits

The System provides for a number of limits when conducting the card operations, at the POS terminal, in the point of sale. These limits enable to avoid violations of the rules of the Loyalty Program by customers and cashiers and also block mass operations in case of unauthorized access to accounts.

When setting limits, you can set soft and hard boundaries. For soft limits, a range of critical values is set. When the lower boundary is reached, the System starts sending alerts to the security service, the action is blocked only after reaching the top boundary. Hard limits set a single boundary upon reaching which the committed action is immediately blocked.

A complete list of limits and instructions for setting them is presented in the Limits section.

Card limits include the following limits on:

• the amount of accrued bonus points for one purchase and the total amount of bonus points accrued on the card;
• the amount of bonus points deducted in one purchase and the total amount of bonus points deductions on the card;
• the number of operations to accrue bonus points for purchases in one point of sale;
• the number of manual operations of accrual/deduction of bonus points from one POS terminal per period;
• the number of purchases at one POs terminal or in one point of sale per period.

In addition, there is a maximum balance limit in the customer account.

POS terminal limits include the limits on:

• the amount of accrued bonus points for purchases;
• the amount of payment for purchases with bonus points;
• the amount of bonus points and manual deductions;
• the amount of accrued extra bonus points and manual accruals.

For the point of sale, it is possible to set a limit on the number of purchases for a certain period.

Setting limits is available in Loymax Platform admin panel and includes the same features as setting limits for access to the system (see Access limits).

Confirmation of bonus points deduction

When configuring a point of sale in the System, it is possible to set a mandatory confirmation of the bonus points deduction operation. When the Confirm bonus points deduction flag is enabled in these points of sale, bonus points will be deducted from the accounts of the Loyalty Program members after confirming the operation using a code sent by SMS to the phone numbers of the LP members.

This mechanism allows you to further verify the identity of the customer and thereby ensure safety of their bonus accounts.

Card blocking

If the card is lost or activity is detected on the card (for example, bonus points deduction), the customer has the opportunity to block the card in one of the following ways:

• by contacting the Call Center,
• in the Personal Account on the website,
• in the Mobile Application.

After blocking operations of accrual and deduction of bonus points on the card become impossible. A blocked card can be replaced with a new one or unblocked and kept in service.