Abstract: A computer-implemented method for authentic payee verification for online payment transactions includes: receiving a personal account identifier; initiating a deposit routed according to the personal account identifier; and enabling verifier access to deposit account data of a putative payee, with the deposit account data including one or more data types that are comparable to authentic payee data held by a payor for performing the verification.

Abstract: A computing system including a processor in communication with a memory with instructions stored thereon is described. The instructions, when executed by the processor, cause the processor to receive application data associated with a user and a first offering, identify whether the user qualifies for the first offering, and compare the application data with stored parameters associated with a second offering. The instructions further cause the processor to, based on the application data satisfying the stored parameters, cause display of a first display area and a second display area at a graphical user interface (GUI) of a user computing device wherein the first display area includes a confirmation indicating whether the user qualifies for the first offering, and the second display area includes a description of the second offering, receive an input indicating acceptance of the second offering, and initiate activation of credentials associated with the second offering.