Systems and method for providing card account controls and purchase impact information

A non-transitory, computer readable medium storing instructions executable by a processor of a server of a card/checking service to provide card account controls and purchase impact information, wherein the instructions comprise instructions for:

• locking a card account associated with a customer to block one or more future purchases of the customer using the card account;
• receiving, from a merchant device or a customer device, information regarding a potential purchase from a merchant using the card account associated with the customer after the card account has been locked;
• generating potential purchase impact information based at least in part on the information regarding the potential purchase;
• providing, via the merchant device or the customer device, the potential purchase impact information to the customer;
• identifying one or more other customer devices of one or more other customers associated with the card account;
• providing an alert to the one or more other customer devices of the one or more other customers associated with the card account, wherein the alert comprises the purchase impact information;
• receiving, from the merchant device or the customer device, a confirmation from the customer indicating that the customer desires to make the potential purchase after the potential purchase impact information has been provided to the customer;
• receiving, from the one or more other customer devices, respective confirmations from the one or more other customers indicating that the one or more other customers permit unlocking of the card account for the potential purchase;
• and
• unlocking the card account associated with the customer for use in performing the potential purchase in response to receiving the confirmation from the merchant device or the customer device and the respective confirmations from the one or more other customer devices.