International Business Machines Corporation
SMART ACCOUNT CONTROL FOR AUTHORIZED USERS

Abstract:

A computer-implemented system and method for controlling access to an account comprises, in a policy definition phase, receiving instructions to add an authorized user to an account from a primary user associated with the account. The method further comprises receiving, from the primary user, policy rules comprising one or more rules that restrict use of the account by the authorized user. In an account use phase, the method comprises receiving a transaction by the authorized user from a merchant, performing a policy rules determination that the transaction relates to a plurality of items and that one of the plurality of items does not meet the policy rules, and rejecting the transaction based on the policy rules determination.