Externally held account discovery and aggregation

An apparatus comprising:

• a trusted hardware device comprising a secure element and authorized by a user to use a plurality of electronic credentials for the user, the trusted hardware device configured to:
• aggregate transactions of a first service provider from one or more servers using one or more of the electronic credentials for the user;
• identify one or more of the aggregated transactions associated with both the first service provider and with a second service provider for which the trusted hardware device has not yet received electronic credentials for the user;
• determine that the one or more aggregated transactions comprises a recurring transaction associated with the second account based on a detected payment pattern;
• prompt the user, in response to determining the recurring transaction, for the electronic credentials for the user for the second service provider;
• in response to receiving the electronic credential for the second service provider, aggregate transactions of the second service provider, using the electronic credentials for the user for the second service provider;
• and
• display the aggregated transactions of the first and second service providers within a single graphical user interface.

A system comprising:

• a backend server, comprising a secure element, that identifies one or more externally held accounts for at least a subset of a plurality of users based on aggregated transaction data for each of the plurality of users from a service provider associated with the backend server, the one or more externally held accounts held for the subset of users by a third party service provider;
• and
• a plurality of external account modules located on hardware devices for the plurality of users, the external account modules configured to:
• prompt at least the subset of users for electronic credentials for the third party service provider;
• aggregate transaction data for one or more of the users from the third party service provider using the electronic credentials;
• determine that the aggregated transaction data comprises a recurring transaction associated with a second third party service provider based on a detected payment pattern based on a detected payment pattern;
• prompt at least a subset of the plurality of users, in response to determining the recurring transaction, for electronic credentials for the second third party service provider;
• in response to receiving the electronic credentials for the second third party service provider, access data associated with the second third party service provider on behalf of the at least a subset of users using the electronic credentials;
• and
• display the aggregated transaction data of the third party service provider and the second service provider within a single graphical user interface.