Method and system to manage multiple party rewards using a single account and artificial intelligence

• US 8,041,667 B2
• Filed: 01/29/2009
• Issued: 10/18/2011
• Est. Priority Date: 11/14/2001
• Status: Expired due to Fees

• 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
• Primary Examiner(s): Holmes; Michael B
• Application Number:
  US12/322,094
• Publication Number:
  US 20090204496A1
• Time in Patent Office: 992 Days
• Field of Search: 706/47
• US Class Current: 706/47
• CPC Class Codes: G06N 3/126 Evolutionary algorithms, e.g. genetic algorithms or genetic programming
• 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

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.

Claims

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.

2. The method of claim 1 further comprising determining, using the processor and the AIP, the metric, and storing the metric in the memory element.

3. The method of claim 2 further comprising:

storing, in the memory element, data regarding the account, the data different than the transaction history; and

,

generating, using the processor, the data, and the AIP, the metric, or wherein;

comparing the transaction history with the metric includes using the data;

modifying the incentive includes using the data;

generating the desired transaction includes using the data;

or,

transmitting the desired transaction and the modified incentive includes using the data.

4. The method of claim 1 wherein comparing the transaction history with the metric includes using the AIP.

5. The method of claim 1 further comprising generating the incentive using the processor and the AIP.

6. The method of claim 1 further comprising:

receiving, using 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;

comparing, using the processor, the data with respect to the desired transaction; and

,

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

or,

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

7. The method of claim 1 further comprising:

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

,

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

8. The method of claim 1 further comprising:

storing at least one rule in the memory element; and

,

modifying, using the processor and the AIP, the at least one rule according to the comparison of the transaction history with the metric, and wherein generating the desired transaction includes using the at least one modified rule, or wherein modifying the incentive includes using the at least one modified rule.

9. The method of claim 1 further comprising:

generating, using the processor, the transaction history, and the AIP, a conversion metric;

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

modifying the reward using the processor and the conversion metric; and

,

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

10. The method of claim 1 further comprising the steps of:

receiving, using the interface element, at least one rule from a wireless communications device (WCD) or from a general-purpose computer associated with the business entity or another business entity; and

,

storing the at least one rule in the memory element, and wherein;

comparing the transaction history with the metric includes using the at least one rule;

modifying the incentive includes using the at least one rule;

generating the desired transaction includes using the at least one rule;

or,

transmitting the desired transaction and the modified incentive includes using the at least one rule.

11. The method of claim 1 wherein transmitting the desired transaction and the modified incentive includes transmitting the respective data to a WCD having a memory element and a processor, and the method further comprising:

storing at least one rule in the memory element for the WCD; and

,

executing, using the processor in the WCD, the desired transaction or the modified incentive according to the at least one rule.

12. A system for managing an account having at least one sub-account, comprising:

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.

13. The system of claim 12 wherein the processor is for determining the metric using the AIP and wherein the memory element is for storing the metric.

14. The system of claim 12 wherein the memory element is for storing data regarding the account, the data different than the transaction history and wherein the processor is for:

generating, using the data and the AIP, the metric;

comparing the transaction history with the metric using the data;

generating the desired transaction using the data;

modifying the incentive using the data;

or,

transmitting the desired transaction and the modified incentive using the data.

15. The system of claim 12 wherein comparing the transaction history with the metric includes using the AIP.

16. The system of claim 12 wherein the processor is for generating the incentive using the AIP.

17. The system of claim 12 wherein the interface element is for receiving data regarding a transaction, between the business entity and the account, transacted following transmission of the desired transaction and the modified incentive and wherein the processor is for:

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 modified incentive according to the comparison of the transaction and the desired transaction.

18. The system of claim 12 wherein the processor is for generating, using the AIP, at least one rule, wherein the memory element is for storing the at least one rule, and wherein the processor is for generating the desired transaction using the at least one rule or modifying the incentive using the at least one rule.

19. The system of claim 12 wherein the memory element is for storing at least one rule, wherein the processor is for modifying, using the AIP, the at least one rule according to the comparison of the transaction history with the metric, and wherein the processor is for generating the desired transaction using the at least one modified rule or modifying the incentive using the at least one modified rule.

20. The system of claim 12 wherein the processor is for generating, using the transaction history and the AIP, a conversion metric, wherein the interface element is for receiving a request to transfer a reward within the account, and wherein the processor is for modifying the reward using the conversion metric and transferring the modified reward within the account.

21. The system of claim 12 wherein the interface element is for receiving at least one rule from a wireless communications device (WCD) or from a general-purpose computer associated with the business entity or another business entity, wherein the memory element is for storing the at least one rule, and wherein the processor is for:

comparing the transaction history with the metric using the at least one rule;

modifying the incentive using the at least one rule;

generating the desired transaction using the at least one rule;

or,

transmitting the desired transaction and the modified incentive using the at least one rule.

22. The system of claim 12 wherein the processor is for transmitting the desired transaction and the modified incentive to a WCD with a memory element and a processor, wherein the memory element for the WCD is for

storing the at least one rule, and wherein the processor for the WCD is for executing the desired transaction or the modified incentive according to the at least one rule.

23. 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 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.

24. A system for managing an account having at least one sub-account, comprising:

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.