METHOD AND SYSTEM TO MANAGE MULTIPLE PARTY REWARDS USING A SINGLE ACCOUNT AND ARTIFICIAL INTELLIGENCE

• US 20120323661A1
• Filed: 12/09/2011
• Published: 12/20/2012
• Est. Priority Date: 11/14/2001
• Status: Active Grant

• Current Assignee: RetailDNA LLC (Walker Innovation Inc. (f/k/a Patent Properties, Inc.))
• Original Assignee: RetailDNA LLC (Walker Innovation Inc. (f/k/a Patent Properties, Inc.))
• Inventors: Otto, Jonathan, Van Luchene, Andrew, Mueller, Raymond J., Mueller, Michael R.
• Granted Patent: US 8,600,924 B2
• Time in Patent Office: Days
• US Class Current: 705/14.25
• CPC Class Codes: G06N 5/025 Extracting rules from data
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Systems and methods for storing a transaction history with respect to a business entity, and an incentive regarding a business entity, previously offered to an account. A desired transaction involving a holder of the account and the business entity may be generated based on the transaction history and a metric. An incentive may be generated based on an artificial intelligence program (AIP), the transaction history, and the metric. The desired transaction and the incentive may be transmitted for presentation to a holder of the account.

Claims

1. A computer-readable memory storing instructions configured so that when executed by a processor the instructions direct the processor to perform a method, the method 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, and

an incentive regarding the business entity previously offered to the account,

wherein the transaction history includes at least one of;

a transaction involving the business entity and the account, or

a transaction involving the business entity and a sub-account of the account;

determining, using a processor in the at least one specially-programmed general purpose computer, a metric;

generating, using the processor and based on the transaction history and the metric, a desired transaction involving a holder of the account and the business entity;

generating an incentive, using the processor, based on an artificial intelligence program (AIP), the transaction history, and the metric; 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 the holder of the account.

2. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

storing the metric in the computer-readable memory.

3. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

storing data regarding the account in the computer-readable memory, the data being different than the transaction history; and

generating the metric based on the data and the AIP.

4. The computer-readable memory of claim 1 wherein generating the desired transaction comprises comparing the transaction history with the metric.

5. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

generating the incentive using the AIP.

6. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

receiving, via the interface element, data regarding a transaction between the business entity and the account, transacted following transmission of the desired transaction and the modified incentive; and

comparing the data with respect to the desired transaction; and

,

for compliance of the transaction with the desired transaction, authorizing reward of the modified incentive;

or,

for non-compliance of the transaction with the desired transaction, further modifying, using the AIP, the incentive according to the comparison of the transaction and the desired transaction.

7. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

generating, using the AIP, at least one rule; and

,

storing the at least one rule in the memory element, wherein generating the incentive includes using the at least one rule.

8. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

storing at least one rule in the memory element; and

,

modifying, using the processor and the AIP, the at least one rule based on the transaction history and the metric, and wherein generating the desired transaction includes using the at least one modified rule, or wherein generating the incentive includes using the at least one modified rule.

9. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

generating a conversion metric, using the AIP, based on the transaction history;

receiving, using the interface element, a request to transfer a reward within the account;

modifying the reward based on the conversion metric; and

,

transferring, using the processor, the modified reward within the account.

10. The computer-readable memory of claim 1 wherein the instructions are further configured to direct the processor to perform:

receiving, using the interface element, at least one rule from a wireless communications device (WCD); and

storing the at least one rule in the computer-readable memory, and wherein at least one of modifying the incentive, generating the desired transaction and transmitting the desired transaction is performed using the at least one rule.

11. The computer-readable memory of claim 1 wherein transmitting the desired transaction and the incentive comprises:

transmitting the desired transaction and the incentive to a wireless communications device (WCD).