Systems, methods, and devices for integrating a first party service into a second party computer application

A system, comprising:

• a customer electronic device comprising:
• a customer electronic device computer processor;
• and
• a customer electronic device memory storing executable instructions that, when executed by the customer electronic device computer processor, causes the customer electronic device computer processor to perform operations comprising:
• downloading a merchant computer application;
• and
• providing an authentication value to a financial institution backend;
• the financial institution backend comprising:
• a financial institution backend computer processor;
• and
• a financial institution backend memory storing a financial institution computer program that, when executed by the financial institution backend computer processor, causes the financial institution backend computer processor to perform operations comprising:
• authenticating a financial institution customer that is using the merchant computer application;
• retrieving, over a first communication network, customer electronic device information from a software development kit (SDK);
• generating, using a financial institution customer identifier, the customer electronic device information, and a merchant computer application identifier, an authentication value that links the financial institution customer identifier, the customer electronic device information, and the merchant computer application identifier together;
• sending the authentication value to a merchant host computer processor for the merchant computer application over the first communication network;
• retrieving the financial institution customer identifier linked to the authentication value;
• returning the financial institution customer identifier to the merchant computer application;
• receiving, from the merchant host computer processor, a transaction for the financial institution customer and the authentication value, wherein the authentication value was provided from the merchant computer application executed on the customer electronic device;
• and
• authenticating the transaction based on the authentication value;
• a merchant host computer comprising:
• a merchant host computer processor;
• and
• a merchant host memory storing a merchant host computer program that, when executed by the merchant host computer processor, causes the merchant host computer processor to perform operations comprising:
• providing, over a second communication channel, the authentication value to the merchant computer application.