Patent ID: 8117122

Claim:
A method for managing transaction card accounts, comprising: accumulating by a first computer software application process tangibly embodied in a physical program storage device executing on a physical computer hardware machine transaction charge balances for a plurality of cardholders on transaction card accounts to which a private label or co-branded agreement is related associated with existing transaction cards provided for each of the cardholders; identifying by a second computer software application process tangibly embodied in a physical program storage device executing on a physical computer hardware machine an occurrence of a condition consisting of one of termination of said private label or co-branded agreement related to said transaction card accounts of at least a portion of the plurality of cardholders and a predetermined level of inactivity on said transaction card accounts of at least a portion of the plurality of cardholders; and substituting by a third computer software application process tangibly embodied in a physical program storage device executing on a physical computer hardware machine the existing transaction card account to which said private label or co-branded agreement is related for each card holder of the at least said portion of the plurality of cardholders with a different transaction card account, which different transaction card account is unrelated to said private label or co-branded agreement and which is usable in a greater number of transaction types and with a greater number of merchants than the transaction card accounts to which said private label or co-branded agreement is related, upon said occurrence of the condition consisting of one of termination of said private label or co-branded agreement related to said transaction card accounts of at least a portion of the plurality of cardholders and a predetermined level of inactivity on said transaction card accounts of at least a portion of the plurality of cardholders.