Method and system to manage multiple party rewards using a single account and artificial intelligence
First Claim
Patent Images
1. A method comprising:
- storing, in a memory element for at least one specially-programmed general purpose computer;
a transaction history for an account with respect to a business entity, anda first 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, ora 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 a second 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 second incentive for presentation to the holder of the account.
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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.
85 Citations
24 Claims
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1. A method comprising:
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storing, in a memory element for at least one specially-programmed general purpose computer; a transaction history for an account with respect to a business entity, and a first 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 a second 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 second incentive for presentation to the holder of the account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system comprising:
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a processor; an interface element in communication with the processor; and a computer-readable memory storing an artificial intelligence program (AIP) and instructions configured so that when executed by the processor the instructions direct the processor to perform a method, the method comprising; storing, in the computer-readable memory; a transaction history for an account with respect to a business entity, and a first 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 a metric; generating, based on the transaction history and the metric, a desired transaction involving a holder of the account and the business entity; generating a second incentive based on the AIP, the transaction history, and the metric; and transmitting, using the interface element, the desired transaction and the second incentive for presentation to the holder of the account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A method comprising:
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storing, in a memory element for at least one specially-programmed general purpose computer, a transaction history for an 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; 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 comprising:
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a memory unit, for at least one specially programmed general-purpose computer, for storing a transaction history for an 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; 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