Patent ID: 8688613

Claim:
A method comprising: storing, in a memory element for at least one specially-programmed general purpose computer: an incentive previously offered to a holder of an account, and a transaction history for the account with respect to a business entity, the account being associated with a holder of the account, wherein the transaction history includes a transaction between the business entity and the holder 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 proposed transaction between the 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, by the at least one specially-programmed general purpose computer to a wireless communications device (WCD) associated with the holder of the account, the proposed transaction and the incentive for presentation to the holder of the account.