Systems and methods for an application programming interface based account capabilities framework

1. A method comprising:

receiving, at an application programming interface (API) endpoint of a server system over a network, a request message from a user system that identifies an account at the server system and includes at least two processing services requested for the account, where the at least two processing services correspond to at least two operations of the account for a user, and wherein the request message having a format and content defined by an API of the server system;

determining, by the server system for each of the at least two processing services, a set of account data to be collected to activate a corresponding processing service, wherein determining the set of account data comprises:

determining, for each requested processing service from the at least two processing services, two or more data requirements, wherein each data requirement is specified using a programming object and is associated with the processing service and comprises specified account data to be collected; and

determining, for each requested processing service from the at least two processing services, the set of account data to be collected based on the corresponding two or more data requirements;

determining, by the server system from the set of account data determined for each of the at least two processing services, a minimum set of account data to be collected before activation of the at least two processing services, wherein determining the minimum set of account data comprises:

performing a union of the set of account data determined for each of the at least two processing services less any existing account data already associated with the account at the server system;

generating, by the API endpoint of the server system, a response message having the format and content defined by the API of the server system, wherein the response message indicates the minimum set of account data;

transmitting, by the server system over the network, the response message to the user system; and

in response to receiving, by the server system over the network, at least a second response message from the user system that includes the minimum set of account data, activating the at least two processing services for the account of the user by a processing logic of the server system.

2. The method of claim 1 , further comprising:

querying, by the server system, one or more additional systems of the server system for account data from the minimum set of account data;

in response to receipt of at least one piece of account data from the one or more additional systems, removing the at least one piece of account data from the minimum set of account data to generate a reduced minimum set of account data; and

generating, by the server system, the response message based on the reduced minimum set of account data less any existing account data already associated with the account at the server system.

3. The method of claim 1 , further comprising:

querying, by the server system, an additional system of the server system to determine whether the additional system requires account data not within the minimum set of account data;

in response to an indication of at least one piece of account data from the additional system, adding the at least one piece of account data to the minimum set of account data to generate an augmented minimum set of account data; and

generating, by the server system, the response message based on the augmented minimum set of account data less the existing account data already associated with the account at the server system.

4. The method of claim 1 , wherein after the at least two processing services for the account of the user are activated, the method further comprises:

detecting, by the server system for a processing service of the at least two processing services, an account data collection update that alters an existing set of account data to be collected to activate the processing service;

when the account data collection update adds a new account data to the existing set of account data and the new account data is determined not to be account data already associated with the account at the server system, generating, by the server system, an account information request message that indicates the new account data to be collected from the user system; and

transmitting, by the server system over the network, the account information request message to the user system.

5. The method of claim 4 , wherein the transmitting comprises:

messaging, by the server system, a webhook endpoint of the user system.

6. The method of claim 1 , wherein the response message comprises a requirements hash having data indicative of an additional account data being the minimum set of account data, and wherein the response message causes one or more API functions executed the user system to: parse the requirements hash to determine the additional account data, and render one or more user interfaces that display a listing of the additional account data to be provided by the user system before activation of any of the at least two capability processing services for the account.

7. The method of claim 1 , wherein each processing service of the at least two processing services are associated with a corresponding subset of the minimum set of account data to be collected to activate said each processing service, and the method further comprises:

determining, by the server system, that a subset of the minimum set of account data to be collected to activate a first processing service of the at least two processing services is available to the server system; and

generating, by the server system, the response message to further indicate that the first processing service is active.

8. The method of claim 1 , wherein each processing service is one of a plurality of different processing services provided by the server system, and is associated with one or more operations that the server system will perform on behalf of an account holder having said each processing service.

9. A non-transitory computer readable storage medium including instructions that, when executed by a processor, cause the processor to perform a method comprising:

receiving, at an application programming interface (API) endpoint of a server system over a network, a request message from a user system that identifies an account at the server system and includes at least two processing services requested for the account, where the at least two processing services correspond to at least two operations of the account for a user, and wherein the request message having a format and content defined by an API of the server system;

determining, by the server system for each of the at least two processing services, a set of account data to be collected to activate a corresponding processing service, wherein determining the set of account data comprises:

determining, for each requested processing service from the at least two processing services, two or more data requirements, wherein each data requirement is specified using a programming object and is associated with the processing service and comprises specified account data to be collected; and

determining, for each requested processing service from the at least two processing services, the set of account data to be collected based on the corresponding two or more data requirements;

determining, by the server system from the set of account data determined for each of the at least two processing services, a minimum set of account data to be collected before activation of the at least two processing services, wherein determining the minimum set of account data comprises:

performing a union of the set of account data determined for each of the at least two processing services less any existing account data already associated with the account at the server system;

generating, by the API endpoint of the server system, a response message having the format and content defined by the API of the server system, wherein the response message indicates the minimum set of account data;

transmitting, by the server system over the network, the response message to the user system; and

in response to receiving, by the server system over the network, at least a second response message from the user system that includes the minimum set of account data, activating the at least two processing services for the account of the user by a processing logic of the server system.

10. The non-transitory computer readable storage medium of claim 9 , further comprising:

querying, by the server system, one or more additional systems of the server system for account data from the minimum set of account data;

in response to receipt of at least one piece of account data from the one or more additional systems, removing the at least one piece of account data from the minimum set of account data to generate a reduced minimum set of account data; and

generating, by the server system, the response message based on the reduced minimum set of account data less any existing account data already associated with the account at the server system.

11. The non-transitory computer readable storage medium of claim 9 , further comprising:

querying, by a server system, an additional system of the server system to determine whether the additional system requires account data not within the minimum set of account data;

in response to an indication of at least one piece of account data from the additional system, adding the at least one piece of account data to the minimum set of account data to generate an augmented minimum set of account data; and

generating, by the server system, the response message based on the augmented minimum set of account data less the existing account data already associated with the account at the server system.

12. The non-transitory computer readable storage medium of claim 11 , wherein after the at least two processing services for the account of the user are activated, the method further comprises:

detecting, by the server system for a processing service of the at least two processing services, an account data collection update that alters an existing set of account data to be collected to activate the processing service;

when the account data collection update adds a new account data to the existing set of account data and the new account data is determined not to be account data already associated with the account at the server system, generating, by the server system, an account information request message that indicates the new account data to be collected from the user system; and

transmitting, by the server system over the network, the account information request message to the user system.

13. The non-transitory computer readable storage medium of claim 9 , wherein each processing service of the at least two processing services are associated with a corresponding subset of the minimum set of account data to be collected to activate said each processing service, and the method further comprises:

determining, by the server system, that a subset of the minimum set of account data to be collected to activate a first processing service of the at least two processing services is available to the server system; and

generating, by the server system, the response message to further indicate that the first processing service is active.

14. A system comprising:

a memory that stores account data; and

a processor coupled with the memory configured to:

receive, over a network, a request message from a user system that identifies an account at a server system and includes at least two processing services requested for the account, where the at least two processing services correspond to at least two operations of the account for a user, and wherein the request message having a format and content defined by an application programming interface (API) of the server system;

determine, for each of the at least two processing services, a set of account data to be collected to activate a corresponding processing service, wherein determining the set of account data comprises:

determine, for each requested processing service from the at least two processing services, two or more data requirements, wherein each data requirement is specified using a programming object and is associated with the processing service and comprises specified account data to be collected; and

determine, for each requested processing service from the at least two processing services, the set of account data to be collected based on the corresponding two or more data requirements;

determine, from the set of account data determined for each of the at least two processing services, a minimum set of account data to be collected before activation of the at least two processing services, wherein the minimum set of account data is determined by:

performing a union of the set of account data determined for each of the at least two processing services less any existing account data already associated with the account at the server system;

generate, by an API endpoint of the server system, a response message having the format and content defined by the API of the server system, wherein the response message indicates the minimum set of account data;

transmit, over the network, the response message to the user system; and

in response to receipt of at least a second response message from the user system that includes the minimum set of account data, activate the at least two processing services for the account of the user by a processing logic of the server system.

15. The system of claim 14 , wherein after the at least two processing services for the account of the user are activated, and the processor is further configured to:

detect, for a processing service of the at least two processing services, an account data collection update that alters an existing set of account data to be collected to activate the processing service;

when the account data collection update adds a new account data to the existing set of account data and the new account data is determined not to be account data already associated with the account at the server system, generating, by the server system, an account information request message that indicates the new account data to be collected from the user system; and

transmit, over the network, the account information request message to the user system.

16. The system of claim 14 , wherein each processing services of the at least two processing services are associated with a corresponding subset of the minimum set of account data to be collected to activate said each processing services, and the processor is further configured to:

determine that a subset of the minimum set of account data to be collected to activate a first processing service of the at least two processing services is available to the server system; and

generate the response message to further indicate that the first processing service is active.