Traditional Challenges
- Paper coupon management is error-prone
- Manual reconciliation is time-consuming
- Lack of real-time visibility
- Difficult to audit and prevent fraud
Fidyah Solution
- Digital Credit System (Direct SGD Balance)
- Instant Redemption via QR codes
- Real-time Monitoring dashboard
- Automated Auditing & fraud blocking
Beneficiary Portal
Check balance, view history, manage settings.
Vendor Portal
Scan QRs, process redemptions, track daily sales.
Admin Dashboard
Manage users, disbursements, settlements, fraud.
- Public QR Scanner on landing page
- Manual ID Entry fallback supported
- Shows Available Balance instantly
- Account validity status indicator
Security Features
- Login with QR ID + 4-digit PIN
- Brute Force Protection: 5 fails = 15m lock
- "Remember Me" session persistence
- Auto-logout for shared devices
Dashboard Overview
Beneficiaries can track every cent. The profile shows a consolidated view of incoming disbursements and outgoing redemptions.
- Current Balance & Status
- Infinite Scroll Transaction History
- Detailed Transaction Receipts
In-App
Persistent notifications center with unread badges and history.
Rich HTML receipts, top-up alerts, and monthly summaries.
Web Push
Real-time alerts on mobile/desktop via Service Workers (VAPID).
Workflow Steps
System Safeguards
- Instant Validation: Real-time balance & eligibility check
- Fraud Detection: Automatic flagging of suspicious patterns
- Receipt Audit: Mandatory photo capture for every txn
Performance Metrics
- Today's Total Sales
- Weekly Redemption Summary
- Recent Transaction Log
Export Data
Vendors can export their transaction history to CSV for their own accounting needs.
PostGIS Integration
"Find vendors near me" functionality powered by PostGIS geography types and spatial queries.
- Interactive Map Interface
- Distance Calculation
- Vendor Details & Directions
Management Tools
- CRUD Operations for Beneficiaries
- Groups organization system
- CSV Bulk Import wizard
- Balance adjustments & status control
Partner Controls
- Vendor Profile Management
- Stall ID & PIN Reset
- Lat/Long Location Editor
- Performance Monitoring
Manual
Top-up individual beneficiaries instantly for ad-hoc assistance.
Bulk Import
Process hundreds of disbursements via CSV upload in one go.
Scheduled
Group-based recurring top-ups for entire segments.
Live Logs
Watch transactions happen in real-time. Filter by vendor, beneficiary, or status.
Payout Workflow
- Accumulate daily transactions
- Review Pending amounts
- Flag/Exclude suspicious txns
- Process Settlement Payout
Complete Accountability
Every CREATE, UPDATE, DELETE action is logged with user attribution and timestamp.
JSON Diff View
Admins can see exactly what changed (Before vs. After) for sensitive records.
Automated Guardrails
- Max Transaction Cap: Prevent fat-finger errors
- Velocity Limits: Throttle rapid scanning
- Flag Thresholds: Auto-alert amounts
Identity
Strict RLS policies. RPCs use security definer. Rate limiting & brute-force protection.
Fraud
Velocity checks. Receipt auditing. Anomaly detection. Rapid depletion alerts.
Visibility
Immutable audit logs. Real-time transaction monitoring. Vendor geography tracking.
OCR Integration
Automated receipt scanning to detect discrepancies between declared amounts and physical evidence.
- Text Recognition via Tesseract/Cloud Vision
- Auto-Verification of date & total
- Flag Mismatches for admin review
Data Analysis
Deeper insights into beneficiary spending habits and vendor performance.
- Spending Heatmaps by location
- Category Tagging for dietary tracking
- Anomaly Detection for unusual spikes
Thank You
Ready for Q&A and Deployment