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.