A method of choosing and authorizing a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorized if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.