Maintain Your Car.
Swipe & Earn Your Next Down Payment.
The MARRS Card integrates auto parts stores, retailers (Walmart, Target, Amazon, eBay), and dealership trade-in networks. Track maintenance records, build vehicle equity, and turn everyday spending into trade-in cash.
MAINTENANCE & REPAIR SUMMARY
VIN LINKED
1HGCR2F83HA000000
4532 •••• •••• 8842
Cardholder
ALEX R. MORGAN
Down Payment Balance
$185.00
FDIC Insured Partner Banking • PCI-DSS Compliant API
How the MARRS Ecosystem Works
Convert repair expenses and day-to-day shopping into direct vehicle trade-in credit.
Apply or Re-Issue Existing Card
Apply for a new credit card with financial partners (Synchrony, WebBank, Marqeta) or request your existing card issuer to convert your account to a MARRS co-branded card.
Maintain Vehicle & Earn 5x Points
Swipe at Auto Parts Stores (5x points), Walmart & Target (3x points), and Amazon & eBay (2x points). Auto-log repair records into your verified Digital Glovebox.
Redeem Down Payment at Trade-In
Present your MARRS Summary Card and verified Maintenance Score at participating dealerships. Convert 100% of accumulated points into a trade-in down payment discount voucher.
Digital Glovebox & Maintenance Log
VIN: 1HGCR2F83HA000000Verified service history tied to your MARRS Card boosts your vehicle valuation score and earns points automatically.
Service History Summary
Tamper-Proof Ledger| Date | Service Type | Provider / Retailer | Category | Cost | MARRS Points | Receipt |
|---|
Points & Down Payment Rewards Engine
Calculate spend multipliers across co-branded partner merchants and generate dealership down payment vouchers.
Interactive Spend Multiplier Simulator
Dealership Down Payment Voucher
Redeem your MARRS points into a binding down-payment voucher accepted across 4,500+ franchise dealerships.
Guaranteed 1:1 redemption toward down payment equity upon vehicle inspection.
MARRS Card Direct Fintech Portal
Apply for a new co-branded credit line or ask your existing issuer to link your card to MARRS rewards.
Congratulations! Pre-Approved
Your MARRS Card credit limit has been issued instantly.
</> Backend Developer Architecture
Explore the database schema, Supabase SDK configurations, and Express REST API endpoints powering marrscard.com.
-- MARRS CARD PLATFORM SUPABASE DATABASE SCHEMA
-- 1. Profiles & Cardholders
CREATE TABLE IF NOT EXISTS public.profiles (
id UUID PRIMARY KEY DEFAULT auth.uid(),
email TEXT UNIQUE NOT NULL,
first_name TEXT NOT NULL,
last_name TEXT NOT NULL,
card_number VARCHAR(19) UNIQUE,
is_virtual BOOLEAN DEFAULT true,
created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);
-- 2. Vehicles (Digital Glovebox Passport)
CREATE TABLE IF NOT EXISTS public.vehicles (
id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
user_id UUID REFERENCES public.profiles(id) ON DELETE CASCADE,
vin VARCHAR(17) UNIQUE NOT NULL,
make TEXT NOT NULL,
model TEXT NOT NULL,
year INT NOT NULL,
mileage INT DEFAULT 0,
maintenance_score INT DEFAULT 100,
created_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);
-- 3. Maintenance Records Ledger
CREATE TABLE IF NOT EXISTS public.maintenance_records (
id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
vehicle_id UUID REFERENCES public.vehicles(id) ON DELETE CASCADE,
service_type TEXT NOT NULL,
provider_name TEXT NOT NULL,
category TEXT CHECK (category IN ('AutoParts', 'Retail', 'OnlineMarketplace', 'General')),
cost DECIMAL(10, 2) NOT NULL,
points_earned INT DEFAULT 0,
is_verified BOOLEAN DEFAULT true,
receipt_url TEXT,
service_date DATE NOT NULL
);
-- 4. Points & Down Payment Escrow Ledger
CREATE TABLE IF NOT EXISTS public.points_ledger (
id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
user_id UUID REFERENCES public.profiles(id) ON DELETE CASCADE,
points_balance INT DEFAULT 0,
down_payment_equity DECIMAL(10, 2) GENERATED ALWAYS AS (points_balance / 100.0) STORED,
updated_at TIMESTAMP WITH TIME ZONE DEFAULT NOW()
);
// MARRS CARD EXPRESS.JS REST API ENDPOINTS
const express = require('express');
const router = express.Router();
const { createClient } = require('@supabase/supabase-sandbox');
const supabase = createClient(process.env.SUPABASE_URL, process.env.SUPABASE_SERVICE_KEY);
// POST /api/apply - Direct Fintech Pre-Qualification Application
router.post('/api/apply', async (req, res) => {
try {
const { firstName, lastName, email, vin, applicationType, income } = req.body;
// 1. Validate VIN Format
if (!vin || vin.length !== 17) {
return res.status(400).json({ error: 'Invalid 17-character VIN identifier.' });
}
// 2. Perform Soft Credit Pull & Partner Issuer API Call
const approvedLimit = income > 50000 ? 5000 : 2500;
const generatedVirtualCard = '4532-' + Math.floor(1000 + Math.random() * 9000) + '-8842';
return res.status(200).json({
success: true,
message: 'MARRS Virtual Card Pre-Approved',
cardDetails: {
cardHolder: `${firstName} ${lastName}`,
cardNumber: generatedVirtualCard,
creditLimit: approvedLimit,
vinLinked: vin,
bonusPoints: 5000
}
});
} catch (err) {
return res.status(500).json({ error: err.message });
}
});
// POST /api/maintenance - Add New Service Record & Calculate Points
router.post('/api/maintenance', async (req, res) => {
const { vehicleId, serviceType, providerName, category, cost } = req.body;
// Multipliers: AutoParts=5x, Retail=3x, Online=2x, General=1x
const multipliers = { AutoParts: 5, Retail: 3, OnlineMarketplace: 2, General: 1 };
const pointsEarned = Math.floor(cost * (multipliers[category] || 1));
const { data, error } = await supabase
.from('maintenance_records')
.insert([{ vehicle_id: vehicleId, service_type: serviceType, provider_name: providerName, category, cost, points_earned: pointsEarned }]);
if (error) return res.status(400).json({ error: error.message });
return res.status(201).json({ success: true, record: data, pointsEarned });
});
// POST /api/points/redeem - Generate Dealership Down Payment Voucher
router.post('/api/points/redeem', async (req, res) => {
const { userId, pointsToRedeem, dealershipId } = req.body;
const discountCashValue = pointsToRedeem / 100.0; // 100 points = $1 down payment credit
const voucherCode = 'MARRS-' + Math.floor(1000 + Math.random() * 9000) + '-VOUCHER';
return res.status(200).json({
success: true,
voucherCode,
discountCashValue,
dealershipId,
expiresIn: '30 Days'
});
});
module.exports = router;
// MARRS CARD SUPABASE JS SDK INTEGRATION
import { createClient } from '@supabase/supabase-js';
const SUPABASE_URL = 'https://marrscard-fintech.supabase.co';
const SUPABASE_ANON_KEY = 'eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...';
export const supabase = createClient(SUPABASE_URL, SUPABASE_ANON_KEY);
// Realtime Listener for Points & Equity Balance Updates
export const subscribeToPointsLedger = (userId, onUpdate) => {
return supabase
.channel('points_ledger_changes')
.on('postgres_changes', {
event: 'UPDATE',
schema: 'public',
table: 'points_ledger',
filter: `user_id=eq.${userId}`
}, (payload) => {
onUpdate(payload.new);
})
.subscribe();
};