| CPC G06Q 20/2295 (2020.05) [G06Q 20/40 (2013.01)] | 15 Claims |
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1. A system comprising:
a processor; and
a data storage medium storing processor-executable instructions that, when executed by the processor, cause the processor to:
define a first set of account controls for a first user of a first customer account of a first account type based on first customer information entered or stored in the data storage medium, wherein the first set of account controls comprise first permissions and first restrictions, and wherein the first user is a minor;
define a second set of account controls for a second user of the first customer account based on second customer information, wherein the second set of account controls comprise second permissions and second restrictions, and wherein the second user is a guardian of the first user;
determine that a control criteria has met a threshold based on at least one of the first customer information or the second customer information;
automatically adjust the first set of account controls to increase the first permissions and decrease the first restrictions based on the determination that the control criteria has met the threshold;
receive a plurality of automated account management plans, each automated account management planning defining a set of account controls;
monitor a behavior of the first customer account;
automatically select an automated account management plan from the plurality of automated account management plans based on the monitored behavior;
transmit, via a first graphical user interface a notification to a first user device associated with the first user, and a notification via a second graphical user interface to a second user device associated with the second user, each of the notifications indicating that the first set of account controls are adjusted based on the set of account controls of the selected automated account management plan;
receive an input via at least one of the first graphical user interface or the second graphical user interface while the first user device or the second user device are in an inactive state, wherein the input is a dismissal of the notification from the first user device or from the second user device;
in response to receiving the input, generate a control signal to adjust the first set of account controls based on interpreting the dismissal of the notification as acceptance to adjust the first set of account controls;
adjust the first set of account controls based on the control signal;
establish a second customer account associated with the first user and the second user, wherein the second customer account is a second account type different than the first account type;
link a bankcard to the first customer account and the second customer account; and
activate the bankcard to enable the bankcard to be used to conduct a transaction with the second customer account.
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