Method, apparatus, and computer-readable medium for advancing prepaid credit

An apparatus for advancing prepaid credit, the apparatus comprising:

• one or more processors;
• and
• one or more memories operatively coupled to at least one of the one or more processors and having instructions stored thereon that, when executed by at least one of the one or more processors, cause at least one of the one or more processors to:
• receive a request for an advance of prepaid credit from a subscriber, wherein the subscriber has a subscriber account with a prepaid service provider;
• determine whether the subscriber is eligible for an advance based at least in part on an assessment of historical data relating to the subscriber account;
• and
• authorize, a transfer of prepaid credit from a lender account to the subscriber account based at least in part on a determination that the subscriber is eligible for an advance of prepaid credit and that sufficient prepaid credit exists in the lender account, wherein the lender account stores prepaid credits accepted by the service provider.

At least one non-transitory computer-readable medium storing computer-readable instructions that, when executed by one or more computing devices, cause at least one of the one or more computing devices to:

• receive a request for an advance of prepaid credit from a subscriber, wherein the subscriber has a subscriber account with a prepaid service provider;
• determine whether the subscriber is eligible for an advance based at least in part on an assessment of historical data relating to the subscriber account;
• and
• authorize, a transfer of prepaid credit from a lender account to the subscriber account based at least in part on a determination that the subscriber is eligible for an advance of prepaid credit and that sufficient prepaid credit exists in the lender account, wherein the lender account stores prepaid credits accepted by the service provider.