Does AI Loyalty Guard automatically block members or transactions?

No. AI Loyalty Guard detects, scores, explains, and routes risk, but it never blocks a member or holds a transaction on its own. Flagged cases go to a review queue, where your team decides whether to approve, hold, or escalate them, based on your program's own operating model.

What kinds of loyalty fraud can AI detect?

AI Loyalty Guard looks for activity that breaks a member's or a program's normal patterns, including suspicious registration clusters, unusual earning velocity, geographically impossible activity, abnormal redemptions, and points abuse. To spot it, Comarch Loyalty analyzes transaction patterns, account activity, system logs, API facades, and program statistics.

How does AI fraud detection avoid flagging genuine members?

Each event is compared against the member's own history as well as program-wide patterns, so behavior that's normal for one member doesn't get flagged because it's unusual for someone else. When something is flagged, a reviewer checks it before anything happens, and each "genuine" decision helps the model recognize similar cases next time.

How does AI Loyalty Guard handle member data and GDPR?

AI Loyalty Guard works with loyalty data already in Comarch Loyalty, under the same privacy and access controls as the rest of the platform. Comarch Loyalty supports GDPR requirements through anonymization, consent-based profiling, role-based access, and data lifecycle processes, and it can be hosted in the cloud, in a hybrid setup, or on-premise to meet data residency needs.

Loyalty fraud prevention with AI

Treat loyalty fraud like the business problem it is

A flag isn't a block. Your traveler in Lisbon keeps earning while your team checks the case.

Walk through a flagged case

Follow one unusual redemption through AI Loyalty Guard and see where the system steps in, where your team takes over, and why no genuine member gets locked out along the way.

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Learn the norm

Every enrollment, transaction, and redemption is measured against the member's own history and your program's baseline, so real anomalies stand out from everyday noise.

Score the risk

When something breaks the pattern, it gets a risk score and a plain-language reason, so your reviewers know exactly what to check first.

Route it

Flagged cases land in your review queue. Nothing is blocked or held automatically, so genuine members keep earning while your team takes a look.

Decide and flag

A reviewer marks each case as genuine, probably genuine, monitored, or suspected. Every decision goes back into the model and sharpens future detection.

The kind of cases your team will actually review

Pick the example closest to your business and see what the reviewer sees, what they check, and how they make the call.

Two-countries in one day redemption

An airline sees one account redeem in Toronto, then in Lisbon a few hours later, and AI Loyalty Guard flags the jump. The reviewer finds an overnight flight in the booking and marks it genuine.

A suspiciously popular welcome bonus

A grocery chain gets dozens of sign-ups in one afternoon, all with near-identical details and all claiming the welcome bonus. AI Loyalty Guard flags the cluster, and a reviewer marks it as suspected and pauses the bonuses.

Eight fill-ups in one hour

A fuel retailer sees one card earn eight times in an hour at the same station. AI Loyalty Guard flags the spike, and the reviewer marks it monitored while checking for a fleet account.

The results you'll be able to point to

Results depend on your program, so rather than promise a number, we show each decision-maker what changes and which metrics will prove it.

For the CFO

Catching abuse early means fewer points issued for activity that never should have earned them. Track points issued through flagged activity, and bonus and promotion leakage.

For the head of loyalty

Genuine members keep earning while cases are reviewed, so your fraud controls don’t become the reason someone loses faith. Track how many flagged cases turn out to be genuine, and complaints about blocked accounts.

For the fraud and risk team

Every case comes with a reason and a recorded outcome, and the queue gets easier to work as detection learns your program. Track time to a decision, and how often flags are confirmed.

The only thing we expose is the fraud

Fraud prevention that cuts corners on privacy just swaps one risk for another. AI Loyalty Guard works with data already in your platform, under the privacy, access, and hosting rules you set.

Dig into security and GDPR

Your AI comes with people who know your members, your partners, and your rules. Let us show you how AI Loyalty Guard spots the pattern and hands the decision to them.

What keeps you up at night?Put AI Loyalty Guard to the test

FAQs

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AI Loyalty Guard is the AI fraud detection capability in Comarch Loyalty. It monitors enrollments, transactions, redemptions, and points activity, scores anything unusual, explains why it was flagged, and sends the case to your review team. A person always makes the final decision, and every decision helps the model learn your program.

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Treat loyalty fraud like the business problem it is