Abstract: Methods, systems, and computer program products for implementing an identification authentication process. A method may include receiving confirmation of an identification (ID) verification for a verified character string associated with a user, the verified character string including a plurality of numbers associated with a phone number of a user device. The method may further include determining, based on the phone number, a verification of ID data associated with the user by obtaining the ID data from a data provider entity. The method may further include obtaining credit profile data associated with the user from a credit profile entity based on the ID data. The method may further include providing, based on obtaining the credit profile data, an ID credit check confirmation associated with the ID data and phone number associated with the user.

Abstract: Customers are provided with item search results that take into account both item specifications submitted by the customer and payment specifications submitted by the customer, where satisfaction of the payment specifications includes identifying finance programs for which the customer is pre-qualified and that are available for given items.