Abstract: Systems and methods for establishing a credit account are disclosed. The systems and methods may receive a first encrypted payload comprising application data associated with a credit application by a credit issuer. The first encrypted payload may be decrypted to provide intelligible application data comprising applicant identifying information. A credit application can be processed using the applicant identifying information and a credit account can be established based on the credit worthiness determined and associated with the applicant. A second encrypted payload comprising credit account information associated with the credit account can then be established and transmitted to a client at the first location.