System for automatic notification and geolocation of benefits for credit cards and memberships

Abstract

Automatic notification system that uses the user's geolocation to identify nearby stores and, through integration with APIs of credit card issuers and benefits programs, notifies users of available discounts in real time. The solution is completed with a digital wallet that allows direct payment from the application with the most convenient card. This system optimizes the user experience by centralizing benefits and simplifying the payment process.

Description

[0001] 2. Descriptive Report

[0002] Title and Technical Field of the Invention

[0003] Automatic Notification System and Geolocation of Benefits for Credit Cards and Memberships.

[0004] This invention belongs to the field of fintech technologies, more specifically to geolocation systems applied to the identification of benefits in financial transactions.

[0005] Problem to Solve

[0006] Currently, credit card and membership card users face the challenge of knowing in real time the discounts and benefits available at stores at the time of purchase. This system aims to simplify this process by providing automatic notifications and personalized recommendations at the time and place of purchase, optimizing savings and improving the user experience.

[0007] Proposed Solution

[0008] The invention provides a system that uses geolocation to detect a user's location upon entering a store. By integrating with the APIs of credit card issuing banks, applicable benefits, such as discounts and promotions, are identified, and the user is automatically notified via an app. This system also allows payments to be made directly from the application through an integrated digital wallet.

[0009] Technical Description

[0010] The system consists of three main components:

[0011] 1. Geolocation Module: Detects the user's location in real time using GPS services and notifies the application when they are in a partner store.

[0012] 2. Banking Integration API: Through connections with banks and credit card issuers, the system extracts the benefits applicable to the user based on the cards they possess.

[0013] 3. Digital Wallet and Payment Methods: The user can make payments using a recommended card from the digital wallet integrated into the application.

Claims

3. List of Claims 1. Automatic notification system for credit card and membership benefits comprising: a) A geolocation module that detects the user's location in a store; b) An integration system with bank APIs to identify applicable discounts and benefits in real time; c) A notification module that alerts the user about available benefits and recommends the use of specific cards to maximize savings; d) An integrated digital wallet that allows payment with the recommended cards.

2. Method of optimizing the purchase process through automatic notifications, where the use of benefits in financial transactions is facilitated and the most suitable credit card for each case is recommended.