Systems and methods for two-way account onboarding and linking across multiple service providers

A method, comprising:

• receiving, by one or more hardware processors associated with a first service provider server and from a user device associated with a user, credential data for logging the user into a first user account with the first service provider server;
• providing, on the user device by the one or more hardware processors, a user interface associated with the first service provider server, wherein the user interface is configured to provide the user access to a first function associated with the first user account and executable by the first service provider server based on the credential data;
• determining, by the one or more hardware processors, that the first user account is linked to a second user account of the user with a second service provider server and a third user account of the user with a third service provider server;
• retrieving, by the one or more hardware processors, a second user account access token for accessing the second user account and a third user account access token for accessing the third user account;
• and
• without requiring the user to log into the second user account or the third user account:
• retrieving, by the one or more hardware processors through a first application programming interface (API) of the second service provider server using the second user account access token, information related to a second function associated with the second user account and executable by the second service provider server;
• retrieving, by the one or more hardware processors through a second API of the third service provider server using the third user account access token, information related to a third function associated with the third user account and executable by the third service provider server;
• determining, by the one or more hardware processors, a composite function based on the information related to the second function and the information related to the third function, wherein the composite function comprises a sequential execution of the second function, the first function and the third function;
• in response to receiving a request for initiating the composite function, performing, by the one or more hardware processors, the composite function for the user by (i) transmitting one or more first API calls and the second user account access token to the second service provider server for executing the second function, (ii) in response to receiving an indication of a completion of the second function from the second service provider server, executing the first function based on the indication, and (iii) in response to executing the first function, transmitting one or more second API calls and the third user account access token to the third server associated with the third service provider for executing the third function based on a result from executing the first function;
• obtaining, by the one or more hardware processors from the third service provider server, data associated with a response from the executing the third function;
• formatting, by the one or more hardware processors, the data according to a format associated with the user interface;
• and
• integrating the formatted data within the user interface as an indication of performing the composite function.

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable by a machine to perform operations comprising:

• receiving, from a user device associated with a user, credential data for logging the user into a first user account with a first service provider server;
• providing, on the user device, a first user interface associated with the first service provider server based on the credential data, wherein the first user interface is configured to provide the user access to a first function associated with the first user account and executable by the first service provider server;
• determining that the first user account is linked to a second user account with a second service provider server different from the first service provider server based on a second user account access token stored in the first user account and associated with the second user account, and that the first user account is linked to a third user account with a third service provider server based on a third user account access token stored in the first user account and associated with the third user account;
• and
• without redirecting the user device to a second user interface associated with the second service provider server or a third user interface associated with the third service provider server:
• retrieving, through a first application programming interface (API) of the second service provider server from the second service provider server, information related to a second function offered through the second user interface of the second service provider server for the second user account based on the second user account access token;
• retrieving, through a second API of the third service provider server from the third service provider server, information related to a third function offered through the third user interface of the third service provider server for the third user account based on the third user account access token;
• determining a composite function that combines the first function, the second function, and the third function;
• presenting, on the first user interface, a selectable element for initiating the composite function;
• in response to receiving a selection of the selectable element, performing the composite function by (i) transmitting one or more first API calls and the second user account access token to the second service provider server for executing the second function, (ii) in response to receiving an indication of a completion of the second function from the second service provider server, executing the first function based on the indication, and (iii) in response to executing the first function, transmitting one or more second API calls and the third user account access token to the third service provider server for executing the third function based on a result from executing the first function;
• obtaining, from the third service provider server, data associated with a response from the executing the third function;
• formatting the data according to a format associated with the first user interface;
• and
• presenting, on the first user interface, the formatted data as an indication of performing the composite function.