Controlling usage of an electronic payment account

A computer program product comprising:

• a computer readable storage medium having computer readable program code stored on the computer readable storage medium, the computer readable program code being executed by a central processing unit (CPU) of a computer system to cause the computer system to perform a method comprising the steps of:
• the computer system determining a relationship between an owner of an account and a user by using a knowledge graph;
• the computer system determining a pattern of purchases made by the user by using a machine learning module;
• and
• based on (i) the relationship between the owner of the account and the user and (ii) the pattern of the purchases, the computer system dynamically granting a security permission to the user for a use of the account.

A computer system comprising:

• a central processing unit (CPU);
• a memory coupled to the CPU;
• and
• a computer readable storage medium coupled to the CPU, the computer readable storage medium containing instructions that are executed by the CPU via the memory to implement a method comprising the steps of:
• the computer system determining a relationship between an owner of an account and a user by using a knowledge graph;
• the computer system determining a pattern of purchases made by the user by using a machine learning module;
• and
• based on (i) the relationship between the owner of the account and the user and (ii) the pattern of the purchases, the computer system dynamically granting a security permission to the user for a use of the account.