$GTCH GBT recently announced the filing of a non-provisional patent application with the US Patent and Trademark Office for systems and methods of a financial software application for a secured, AI-controlled credit card management system. According to the press release, this is for the creation of "a smart "Financial Manager" that helps users with credit line monetary decisions, always ensuring their best interest."

Rittman explained how and why such a service would be useful for credit card users and how the AI works.

"It's hard to track which card is the best to use sometimes, in terms of interest rate which one gives you the best frequent flier mileage and which one earns you the best gifts and benefits overall," he said. "Having an AI system as a financial advisor that is connected to consolidate all credit cards into one account and do this selection for you, can make a whole world of financial difference. It's going to automatically create on the fly, the best financial advisor, telling you which card to use in which time and occasion in order to reach the best result for the user."