Customized loyalty notifications

A user accesses an account management system website via a user computing device and establishes a user account with the account management system. The user downloads an application onto the user computing device, which receives information for one or more loyalty cards. A loyalty card is associated with a merchant system location in response to a user request, in response to a request from a merchant device, in response to being read by a merchant POS device, or as a result of the loyalty card being identified by the account management system, based on aggregate data received from a plurality of user computing devices, as belonging to a loyalty card class associated with one or more merchant system locations. The user enters the merchant system location and the application detects the user computing device location. The application suggests the loyalty card according to user-configured alert settings. 用户经由用户计算设备访问账户管理系统网站并且利用该账户管理系统建立用户账户。该用户将应用下载到该用户计算设备上，该用户计算设备接收个或多个忠诚卡的信息。响应于用户请求，响应于来自商户设备的请求，响应于被商户POS设备