Patent ID: 7774274

Claim:
A method, comprising: selecting a private label account maintained on a first processing platform for upgrade to a dual card account, said private label account associated with an account holder and having associated monetary and non-monetary data; determining that the account holder agrees to terms associated with the dual card account; creating said dual card account with a dual account identifier and a zero balance on a second processing platform that is separate and distinct from said first processing platform in response to the determining that the account holder agrees to the terms; extracting the associated monetary and non-monetary data from a private label database associated with said private label account and said first processing platform; transferring said non-monetary data associated with said private label account from said first processing platform to said second processing platform for association with said dual card account; causing a dual card associated with said dual card account to be transmitted to said account holder, said dual card and said dual card account being inactive until activated; transferring said monetary data associated with said private label account from said first processing platform to said second processing platform for association with said dual card account in response to an activation of said dual card and said dual card account; blocking said private label account from further use; and initiating a trailing activity process to identify monetary and non-monetary activity associated with said private label account, wherein said initiating of said trailing activity process includes updating a cross reference table associating said private label account with said dual card account to include the monetary and non-monetary activity identified by trailing activity process.