Calculate and Control customer credit and update it

I have a financial system and I have to design a module for save, update and control limitation. You can know each customer has a UserID and each UserID has a maximum amount of credit per day. For example, UserID = 12 has MaxAmountPerDay = 10$ and CurrentAmountPerDay.

At first, I wanted to design a simple module and define a table as follows:

  User ID | MaxAmountPerDay | CurrentAmountPerDay
-------------------------------------------------
  12     | 10              | 0
  25     | 100             | 84

Now you can imagine when the customer with UserID = 12 has done a transaction I have to control if the transaction amount + current amount > max amount then throw an exception else I have to do the transaction and update current amount and when an exception happened after updating I have to rollback the update operation.(update and rollback are in different database transactions so the rollback is the same update with new amount)

Before I do this design I decided to look up for a better solution or even an open source framework for doing that because I guess my customer's requirements will change in future, for example maybe they will need to MaxAmountPerMonth, or some more requirements which I don't know now.