Medical impairment mode for account

A system for protecting an account during a period of medical impairment, the system comprising:

• a database for storing one or more accounts associated with a primary account holder and a non-primary account holder, wherein the one or more accounts comprise a first transaction history for the primary account holder and a second transaction history for the non-primary account holder;
• a memory for storing operations;
• and
• one or more processors configured to execute the operations, the operations comprising:
• receiving a first data signal comprising real-time location data, vital signs data, or acceleration data of the primary account holder from a user device;
• determining an impairment status for the primary account holder based on the real-time location data, vital signs data, or acceleration data of the primary account holder;
• transmitting an alert to the primary account holder requesting confirmation of the impairment status from the primary account holder;
• receiving a reply to the alert from the primary account holder;
• confirming the impairment status for the primary account holder based on the reply to the alert or data records from third-party sources;
• activating, based on the confirming, management controls for the one or more accounts associated with the primary account holder and the non-primary account holder;
• receiving a second data signal indicating the primary account holder is no longer impaired;
• and
• deactivating, based on the receiving the second data signal, the management controls for the one or more accounts associated with the primary account holder and the non-primary account holder.

A non-transitory computer readable medium having instructions stored there on, that when executed by at least one computing device, cause the at least one computing device to perform operations comprising:

• storing one or more accounts associated with a primary account holder and a non-primary account holder in a database, wherein the one or more accounts comprise a first transaction history for the primary account holder and a second transaction history for the non-primary account holder;
• receiving a first data signal comprising real-time location data or vital signs data of the primary account holder from a user device;
• determining an impairment status for the primary account holder based on the real-time location data or vital signs data of the primary account holder;
• confirming the impairment status for the primary account holder based on the second transaction history for the non-primary account holder or data records from third-party sources;
• activating, based on the confirming, management controls for the one or more accounts associated with the primary account holder and the non-primary account holder;
• receiving a second data signal indicating the primary account holder is no longer impaired;
• and
• deactivating, based on the receiving the second data signal, the management controls for the one or more accounts associated with the primary account holder and the non-primary account holder.