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

1. A method, comprising:

downloading, by a customer electronic device, a merchant computer application;

authenticating, by a financial institution backend computer program, a financial institution customer that is using the merchant computer application executed by the customer electronic device;

retrieving, by the financial institution backend computer program and over a first communication network, customer electronic device information from a software development kit (SDK) for the financial institution backend computer program in the merchant computer application;

generating, by the financial institution backend computer program and 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, by the financial institution backend computer program, the authentication value to a merchant host computer program over the first communication network;

providing, by the merchant host computer program and, over a second communication channel, the authentication value to the merchant computer application;

providing, by the merchant computer application, the authentication value to the financial institution backend computer program;

retrieving, by the financial institution backend computer program, the financial institution customer identifier linked to the authentication value;

returning, by the financial institution backend computer program, the financial institution customer identifier to the merchant computer application;

receiving, by the financial institution backend computer program and from the merchant host computer program, 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, by the financial institution backend computer program, the transaction based on the authentication value.

2. The method of claim 1 , wherein the customer electronic device is a mobile electronic device.

3. The method of claim 1 , further comprising:

communicating, by the financial institution backend computer program, at least a portion of the customer electronic device information to the merchant host computer program.

4. The method of claim 1 , further comprising:

receiving, by the financial institution backend computer program, the customer electronic device information using a third communication channel;

transmitting, by the financial institution backend computer program, a passcode to the merchant computer application executed by the customer electronic device using a fourth communication channel; and

receiving, by the financial institution backend computer program, the passcode from the merchant computer application executed by the customer electronic device over the third communication channel.

5. The method of claim 4 , wherein the passcode is a one-time passcode.

6. The method of claim 1 , wherein:

sending, by the financial institution backend computer program, a session identifier to the merchant computer application executed by the customer electronic device; and

receiving, by the financial institution backend computer program, the session identifier from the merchant host computer program.

7. The method of claim 1 , wherein the authentication value is stored in secure memory of the customer electronic device.

8. The method of claim 1 , wherein the authentication value comprises a customer merchant authentication code.

9. The method of claim 1 , wherein the authentication value has an expiration.

10. The method of claim 1 , further comprising:

suspending or revoking, by the financial institution backend computer program, the authentication value.

11. The method of claim 1 , wherein the authentication value is specific to the customer electronic device.

12. The method of claim 1 , further comprising:

receiving, by the financial institution backend computer program, customer electronic device information from a second customer electronic device; and

sending, by the financial institution backend computer program, a second authentication value to a computer processor for a second party;

wherein the merchant computer application provides the second authentication value to the merchant host computer program.

13. 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.

14. The system of claim 13 , further comprising the financial institution backend computer processor is configured to communicate at least a portion of the customer electronic device information to the merchant host computer processor.

15. The system of claim 13 , further comprising the financial institution backend computer processor is configured to:

receiving the customer electronic device information using a third communication channel;

transmitting a passcode to the merchant computer application using a fourth communication channel; and

receiving the passcode from the merchant computer application over the third communication channel.

16. The system of claim 13 , further comprising the financial institution backend computer processor is configured to:

sending a session identifier to the merchant computer application; and

receiving the session identifier from the merchant host computer program.

17. The system of claim 13 , further comprising the financial institution backend computer processor is configured to suspend or revoke the authentication value.

18. The system of claim 13 , further comprising the financial institution backend computer processor is configured to:

receiving customer electronic device information from a second customer electronic device; and

sending a second authentication value to a computer processor for a second party;

wherein the merchant host computer program further causes the financial institution backend computer processor to perform operations comprising providing the second authentication value to the merchant host computer processor.