OCR is useful for reading receipts or e-receipts – but at SBJ, it’s just one piece of the puzzle. Our distinction: 100% of claims are still reviewed by a human being. Consumers receive immediate confirmation of receipt; within five days (usually < 24 hrs) they know whether their cashback will be paid out or what additional information is still required. This combines speed with maximum security.
Layer 1 – Identity Limits
To reduce fraud at the gate, SBJ enforces strict limits per identification detail:
| Data | Limit | Reason |
|---|---|---|
| Phone number | 1 claim | SMS code verifies ownership |
| 1 claim | Prevents spoofing | |
| IBAN | 1 claim | Blocks "friends-&-family" abuse |
| Address | 1 claim | Prevents duplicate household claims |
Two-factor authentication via SMS is mandatory; no code means no claim.
Layer 2 – Smart Receipt & PDF Validation
Photo receipts:
- OCR extracts SKU, amount and date from the receipt.
- Dedup-hashing prevents duplicate uploads of the same receipt.
PDF e-receipts:
Our software recognizes templates from major retailers (Bol, Albert Heijn, Amazon, etc.) using dozens of datapoints like:
- XML structure
- Permissible font sets
- Column order
- Internal checksums
One deviation is enough to immediately quarantine a claim.
Result: 95% of invalid or manipulated uploads are rejected before human review.
Layer 3 – Smart Database & Risk Scoring
- IP & device fingerprints detect bulk submissions.
- Blacklist matching checks email, IBAN & IP against known fraudsters.
- The anomaly engine compares claim behavior with live campaign data.
Claims with a high risk score are flagged in the manual review queue.
Layer 4 – 100% Human Review
Every claim is ultimately reviewed by a trained SBJ team. They:
- Check receipt readability and data accuracy.
- Compare suspicious PDF structures.
- Approve or reject the risk score.
Timeline:
1. 0 min – consumer submits the form and receives instant confirmation.
2. <24h (max 5 days) – final approval or rejection.
3. Rejected? One chance to correct missing info or unclear images.
4. Suspicious/fake? Claim is permanently rejected and logged.
Budget & Compliance Management
- Daily & total limits – system pauses auto-payouts once the budget is reached.
- GDPR & ISO – data encrypted at rest and in transit, stored only on EU servers, retention per contract.
- Live dashboard – real-time insight into number of claims, rejections, fraud flags and remaining budget.
Pre-launch Checklist
- Define SKU combinations, campaign duration, and target audience.
- Set ID limits (phone, IBAN, email) in the admin panel.
- Upload a test batch: edited receipt photos + manipulated PDFs.
- Activate the SMS gateway.
- Give marketing read-only access to the dashboard, and finance export rights.
These five steps help you launch every campaign "fraud-proof".
Summary:
OCR is just the starting point. SBJ delivers a four-layer security model with unique limits, smart PDF validation AND 100% manual review – without making the consumer wait longer than five days (typically < 24 h). This is how you combine customer experience with maximum budget protection.
