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Controlling a Spending Account Based on User Spending Habits

Abstract:

Aspects described herein may allow for receiving authorization allowing monitoring a user's spending account. A base-line spending profile and a dysfunctional spending profile for the user may be established. When notification of a pending purchase transaction is received, a determination may be made as to whether the pending purchase transaction is in accordance with the base-line spending profile of the user. If the pending purchase transaction is in accordance with the base-line spending profile of the user, the pending purchase transaction may be allowed. However, if the pending purchase transaction is not in accordance with the base-line spending profile of the user, then a temporary secondary approval may be instituted for a predetermined period of time and a secondary approval person may be electronically notified that their approval is required before allowing the pending purchase transaction to be made using the spending account of the user.