Method and system to manage multiple party rewards using a single account and artificial intelligence
First Claim
1. A method for managing an account having at least one sub-account, comprising:
- storing, in a memory element for at least one specially-programmed general purpose computer, a transaction history for the account with respect to a business entity, an incentive regarding the business entity previously offered to the account, and an artificial intelligence program (AIP), wherein the transaction history includes at least one transaction involving the business entity and the main account or the business entity and the at least one sub-account;
comparing, using a processor in the at least one specially-programmed general purpose computer, the transaction history with a metric;
generating, using the processor and the comparison of the transaction history with the metric, a desired transaction involving the account and the business entity;
modifying the incentive using the processor, the AIP, the comparison of the transaction history with the metric, wherein rewarding of the modified incentive is conditional upon execution of the desired transaction; and
,transmitting, using an interface element for the at least one specially-programmed general purpose computer, the desired transaction and the modified incentive for presentation to a holder of the account.
1 Assignment
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Accused Products
Abstract
A system for managing an account having at least one sub-account, including: a memory element, a processor, and an interface element for at least one specially programmed general-purpose computer. The memory element stores a transaction history for the account, an incentive previously offered to the account, and an artificial intelligence program (AIP). The transaction history includes at least one transaction involving the main account or sub-accounts from the at least one sub-account. The processor is for: comparing the transaction history with a metric; generating, using the comparison of the transaction history with the metric, a desired transaction involving the account and a business entity; and modifying the incentive using the AIP and the comparison of the transaction history with the metric. Rewarding of the modified incentive is conditional upon execution of the desired transaction. The interface element is for transmitting the desired transaction and the modified incentive.
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Citations
24 Claims
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1. A method for managing an account having at least one sub-account, comprising:
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storing, in a memory element for at least one specially-programmed general purpose computer, a transaction history for the account with respect to a business entity, an incentive regarding the business entity previously offered to the account, and an artificial intelligence program (AIP), wherein the transaction history includes at least one transaction involving the business entity and the main account or the business entity and the at least one sub-account; comparing, using a processor in the at least one specially-programmed general purpose computer, the transaction history with a metric; generating, using the processor and the comparison of the transaction history with the metric, a desired transaction involving the account and the business entity; modifying the incentive using the processor, the AIP, the comparison of the transaction history with the metric, wherein rewarding of the modified incentive is conditional upon execution of the desired transaction; and
,transmitting, using an interface element for the at least one specially-programmed general purpose computer, the desired transaction and the modified incentive for presentation to a holder of the account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for managing an account having at least one sub-account, comprising:
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a memory unit, for at least one specially programmed general-purpose computer, for storing a transaction history for the account with respect to a business entity, an incentive regarding the business entity previously offered to the account, and an artificial intelligence program (AIP), wherein the transaction history includes at least one transaction involving the business entity and the main account or the business entity and the at least one sub-account; a processor for the at least one specially programmed general-purpose computer for; comparing the transaction history with a metric; generating, using the comparison of the transaction history with the metric, a desired transaction involving the account and the business entity; and
,modifying the incentive using the AIP and the comparison of the transaction history with the metric, wherein rewarding of the modified incentive is conditional upon execution of the desired transaction; and
,an interface element, for the at least one specially programmed general-purpose computer, for transmitting the desired transaction and the modified incentive for presentation to a holder of the account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A method for managing an account having at least one sub-account, comprising:
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storing, in a memory element for at least one specially-programmed general purpose computer, a transaction history for the account with respect to a business entity and an artificial intelligence program (AIP), wherein the transaction history includes at least one transaction involving the business entity and the main account or the business entity and the at least one sub-account; comparing, using a processor in the at least one specially-programmed general purpose computer, the transaction history with a metric; generating, using the processor, the AIP, and the comparison of the transaction history with the metric, a desired transaction involving the account and the business entity; generating, using the processor, the AIP, and the comparison of the transaction history with the metric, an incentive, wherein rewarding of the incentive is conditional upon execution of the desired transaction; and
,transmitting, using an interface element for the at least one specially-programmed general purpose computer, the desired transaction and the incentive for presentation to a holder of the account.
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24. A system for managing an account having at least one sub-account, comprising:
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a memory unit, for at least one specially programmed general-purpose computer, for storing a transaction history for the account with respect to a business entity and an artificial intelligence program (AIP), wherein the transaction history includes at least one transaction involving the business entity and the main account or the business entity and the at least one sub-account; a processor for the at least one specially programmed general-purpose computer for; comparing the transaction history with a metric; generating, using the AIP and the comparison of the transaction history with the metric, a desired transaction involving the account and the business entity; and
,generating, using the AIP and the comparison of the transaction history with the metric, an incentive, wherein rewarding of the incentive is conditional upon execution of the desired transaction; and
,an interface element, for the at least one specially programmed general-purpose computer, for transmitting the desired transaction and the incentive for presentation to a holder of the account.
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Specification