Account open interfaces

A method implemented by a service provider computing system associated with a service provider, the method comprising:

• transmitting, to an institution computing system of an institution, via a telecommunications network, a request for integration of account open functionality in a website or application of the service provider;
• receiving identifiers of one or more application programming interfaces (APIs) responsive to the request for integration and responsive to access permissions being set to permit access to the APIs by the service provider computing system, identifiers of the one or more APIs, wherein each of the one or more APIs invokes a respective command of the institution computing system, at least one command including the account open functionality;
• providing, to a user device, the website or application comprising the APIs that invoke commands of the institution computing system;
• receiving, via the website or application of the service provider, a set of user data from a user computing device of a user, wherein the set of user data is transmitted by the user computing device to the service provider computing system in response to a signal, received at the user computing device via the website or application of the service provider, indicating the user has selected to open a new account with the institution, wherein the set of user data is encoded by the user computing device such that it cannot be decoded by the service provider computing system;
• transmitting, via the telecommunications network, using at least one API that invokes the account open functionality of the institution computing system, an account open request and the set of user data to the institution computing system of the institution;
• and
• receiving a set of account data for use in a transaction with the user computing device, the set of account data having been generated by the institution computing system in opening the new account, wherein the new account is opened without the website or application of the service provider directing the user to the website or application of the institution.