Abstract: On-line parental control systems are provided in connection with ‘activity for credit’ systems where a child earns credits into an account by performing prescribed activity. The credit earned may be spent on goods and services, and in particular in on-line transactions. Both spending and earning activity are controlled by a parent or other guardian by way of a special account login. A parent may designate earning parameters and further spending rules to control activity of her child. Accordingly, and on-line control system is coupled via the Internet to a user community including a child member and a parent member. A member account includes a parent facility with a rule library and lesson library. By way of a parent control module, a parent set parameters of the member account which cannot be manipulated by the child. Thereafter, the member account performs in a manner suitable to the parent in view of her selections.