Adjustable balance limit prepaid presentation instrument

A method of converting a fixed limit prepaid presentation instrument into an adjustable balance limit prepaid presentation instrument, the method comprising:

• presenting a customer's preexisting fixed limit prepaid presentation instrument;
• analyzing the customer's usage history associated with the fixed limit prepaid presentation instrument;
• based on the usage history, deriving a new funding limit;
• and
• applying the new funding limit to the prepaid presentation instrument.

A system for providing an adjustable balance limit prepaid presentation instrument, the system comprising:

• a point-of-sale (POS) device configured to receive a request for an adjustable balance limit prepaid presentation instrument;
• an account processor connected with the POS device via a financial network, configured to obtain customer information, wherein the account processor includes a decision engine configured, based on the customer information, to assign a funding limit to the adjustable balance limit prepaid presentation instrument;
• and
• a banking network connected with the account processor configured to fund the adjustable balance limit prepaid presentation instrument to up to a maximum of the funding limit.

A machine-readable medium for providing an adjustable balance limit prepaid presentation instrument, the machine-readable medium including sets of instruction which, when executed by a machine, cause the machine to:

• receive a request for the adjustable balance limit prepaid presentation instrument;
• obtain customer information;
• based on the customer information, assign a funding limit to the adjustable balance limit prepaid presentation instrument;
• and
• fund the adjustable balance limit prepaid presentation instrument to up to a maximum of the assigned funding limit using a variety of funding sources.