Patent ID: 8041667
Filing Date: 2011-10-18
Classification: G06N,G06Q

Abstract:
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.