Patent ID: 8463698

Claim:
A computer-implemented method of offering a credit product to a consumer, comprising: associating the consumer with a pre-paid card account and a first level of credit availability; facilitating purchase transactions for the consumer via the pre-paid card account, including transferring funds out of the pre-paid card account; transferring funds of the consumer to re-load the pre-paid card account; tracking the consumer's usage of the pre-paid card account; automatically selecting for the consumer, by a credit migration path selection engine, one of a plurality of potential credit migration paths based on the tracked usage, wherein each potential credit migration path: begins at the first level of credit availability, includes a pre-determined sequence of a plurality of intermediate credit products of a plurality of different types, and ends at a level of credit availability higher than the first level, and further wherein a first potential credit migration path includes at least one intermediate credit product of a first type and a second potential credit migration path does not include any intermediate credit product of the first type; and transmitting to the consumer an offer of an intermediate credit product based on the selected credit migration path.