Patent ID: 8306937

Claim:
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, 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.