$GTCH The system will be managed by GBT’s Artificial Intelligence technology and use its patented, database sharing method to enable high performance and security. The system will consider the best financial aspects of all credit card account, automatically selecting the user’s best interest one. Among these aspects are lowest interest rates, membership fees, cash advanced, line of credit, benefits like mileage, gift certificates, and similar. The assigned application number is 63175564 and the filing date is April 16, 2021. The company intends to file a nonprovisional application during the next few months.