Abstract: Embodiments of the invention are directed to a system, method, or computer program product for manipulating and distributing electronic resources. The system accepts a request from a user for a transfer of an electronic resource to a second user and in response, generates a transfer vehicle containing details of the transfer. The transfer of electronic resources is directed and completed through the transmission of the generated transfer vehicle to a device associated with the second user. As only the transfer vehicle is transmitted without the need for additional personal identifying information, a transfer of electronic resources may be completed securely and relatively anonymously in a time frame comparable to that of an exchange of a traditionally used physical resource.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for identifying participating employers in a direct deposit program. In some embodiments, a system is configured to: receive a first information from a user, wherein the first information includes an employer name; compare the received employer name to a database of employer names that participate in a direct deposit program; determine a match between the received employer name and an employer name that participates in a direct deposit program; and prompt the user with an offer to enroll in a direct deposit program via an interface, in response to determining a match.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling in a direct deposit program via a third party payroll provider. In some embodiments, a system is configured to: receive from a user a request to enroll an account in a direct deposit program; retrieve information associated with the account, based on the request; initiate the presentation of an interface that includes retrieved account information and enables the user to confirm enrollment into the direct deposit program; transmit, upon user confirmation, the retrieved account information to a third party payroll provider.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling in a direct deposit program. In some embodiments, a system is configured to: initiate the presentation of a first interface prompting a user to enter user credentials associated with the user's financial institution account for registration of the user's payroll information; retrieve information associated with the user's financial institution account based on a successful verification of the user credentials, wherein the information includes an account number and a transit routing number; initiate the presentation of a second interface, wherein the second interface is populated with the retrieved information; and complete the registration of the user's payroll information based on user confirmation of the retrieved information.