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1. A system, operating in conjunction with a financial account of an issuing institution having at least one card associated therewith for accessing funds in the financial account, the system requiring joint activation of usage of the at least one card by at least two cardholders associated therewith, the system comprising:
a computational processing unit for data processing and execution of stored instructions; and connected with the computational processing unit, memory for storing computer-readable instructions executable by the processing-unit, the instructions, when executed by the computational processing unit, implementing an event-detection module configured to (a) detect a first activation event, related to the at least one card, received from one of a plurality of cardholders associated with the financial account, and (b) subsequently detect, from each of the other cardholders associated with the financial account, a subsequent activation event, wherein the at least one card (i) comprises a virtual card, (ii) cannot be used by any of the cardholders until all of the cardholders have activated the at least one card in accordance with step (b), and (iii) is authorized to be used by each cardholder once all of the cardholders have activated the at least one card.
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