The CBIG Irrevocable Cashback Rewards System enforces a strict guarantee: once a reward is committed, it is permanent, immutable, and protected by both application and data-layer controls. No backdoors. No reversals.
Every component of the system is designed around a single principle: committed rewards are irrevocable.
Once a reward transitions from PENDING to COMMITTED, it cannot be reduced, deleted, or reversed — enforced at both application and database layers.
Every transaction, reward, and state change is recorded as an immutable event. Corrections are new events, never edits. The ledger is the single source of truth.
Define cashback rules by merchant, category, transaction type, or amount. Rules calculate percentage or fixed cashback with priority ordering.
Pre-commitment refunds cancel pending rewards. Post-commitment refunds preserve the committed reward and generate a risk absorption record.
Financial exposure from post-commitment refunds is tracked in a dedicated, clearly labeled risk absorption ledger for full transparency.
Generate offline reward tokens that can be activated without real-time connectivity, with full lifecycle tracking in the event ledger.
Every cashback reward follows a strict, auditable state machine with irrevocability enforced at the commitment boundary.
The transition from PENDING to COMMITTED is one-way and permanent. No refund, admin action, or system event can reduce or reverse a committed reward.