A system and computer-implemented method including receiving a request from a service provider, at a central account manager, to provide a user account for a user logging into the first service provider, identifying one or more user accounts associated with the user at one or more user account providers maintained at the central account manager, selecting a first user account of the one or more user accounts and providing, using the one or more computing devices, the selected first user account to the first service provider in response to the request.