Answers / AI & data
What are the 4 risk levels in AI receipt fraud detection?
Written by PEKO Team.Last updated: 05/24/2026.
Updated May 2026 — Low (flagged, auto-credited), Medium (flagged, queued for review), High (blocked pending review), Critical (auto-blocked, member warned). Thresholds combine duplicate-image score, scan frequency per hour, receipt age, and total amount.
Published: 05/24/2026
Quick facts
- Answer
- Low (flagged, auto-credited), Medium (flagged, queued for review), High (blocked pending review), Critical (auto-blocked, member warned). Thresholds combine duplicate-image score, scan frequency per hour, receipt age, and total amount.
- Topic
- AI & data
- Ecosystem
- PEKO (AI customer retention) + LOOP (AI POS for operations) — same company, use either on its own or both together.
- Updated
- 05/24/2026
Receipt fraud is real — a small share of members try to upload the same receipt twice, an old receipt, or a screenshot from a friend. A 4-level risk model lets you stop the abuse without inserting friction for the 95% of honest guests.
The signals that matter: perceptual-hash similarity to recent uploads (duplicate detection), uploads per hour per member, receipt age in days, and total amount relative to the member's normal ticket.
Low risk: auto-credit, log
Single weak signal (e.g. receipt 6 days old). Credit points, mark for batch review.
Medium risk: queue
Two weak signals or one moderate (e.g. 4 uploads in 1 hour). Queue for operator approval — usually resolved within the hour.
High risk: block + review
Strong duplicate-hash match or receipt over 14 days old with high amount. Block pending operator review; member sees 'verifying' state.
Critical: auto-block, notify
Confirmed duplicate of a previously credited receipt. Auto-block, log, notify owner via email and in-app.
FAQ
Won't this annoy honest members?
If thresholds are tuned to the venue, fewer than 1 in 200 honest uploads land in Medium or higher. The Low band absorbs most edge cases silently.
Can the thresholds be configured?
Yes. PEKO exposes per-brand thresholds for uploads-per-hour, max receipt age, and amount caps. Defaults work for most cafés and casual restaurants out of the box.
The PEKO ecosystem
PEKO and LOOP are two products from the same company. PEKO is the AI retention layer and runs alongside the POS you already use. LOOP is the AI-native POS that covers operations: recipe-level inventory, staff shifts, table plans and the kitchen display. Each works on its own, and run together they share one dataset, so nothing has to be entered twice. See PEKO + LOOP in one ecosystem
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