Smart account control for authorized users

A control system for account access comprising a processor configured to:

• in a policy definition phase:
• receive instructions to add an authorized user to an account from a primary user associated with the account;
• and
• receive, from the primary user, policy rules comprising one or more rules that restrict use of the account by the authorized user;
• and
• in an account use phase:
• receive a transaction by the authorized user from a merchant;
• perform 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
• reject the transaction based on the policy rules determination.

A computer program product for a control system for account access, the computer program product comprising a computer readable storage medium having computer-readable program code embodied therewith to, when executed on a processor, cause the processor to:

• in a policy definition phase:
• receive instructions to add an authorized user to an account from a primary user associated with the account;
• and
• receive, from the primary user, policy rules comprising one or more rules that restrict use of the account by the authorized user;
• and
• in an account use phase:
• receive a transaction by the authorized user from a merchant;
• perform 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
• reject the transaction based on the policy rules determination.