Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.