Account aggregation service

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Q1：What is account aggregation?

Account aggregation is a service that simplifies the login process for multiple online services and allows consolidated viewing of information from multiple sites. By registering your username and password for such services as online banking, trading, and credit card accounts, you can view your information and transaction details for the various accounts on a single screen at the aggregation site.

Q2：What sorts of things can account aggregation do?

It can eliminate the trouble entering your username and password when checking account information at multiple Websites. Also, it displays information in a single list, making it easy to check and manage. Account aggregation can also be a useful tool for managing your financial assets. This is possible because of features including an Alert Mail feature that compares asset balances, links with home accounting and financial management software products such as Microsoft Money, a lifetime financial plan diagnosis feature, and the ability to convert your award program points into cash.

Q3： What are the roles of NTT Bizlink Corporation and NTT East, Inc.?

NTT East, Inc. has licensed the InfoBond account aggregation software it developed to NTT BizLink. NTT BizLink uses the license to offer its Agurippa account aggregation service as an application service provider.

Q4： What are the advantages of account aggregation in the various industries (banking, securities trading, credit cards, e-commerce sites, corporate operations)?

Banking	…	Since account balances and credit card bills can be comparatively displayed, banks can offer loans when an account balance is insufficient to cover payments. Also, since assets can be viewed in a single list, the main financing bank can offer financial planning services.
Securities Trading	…	The user can view bank and other brokerage account information together for a clearer picture of his/her overall portfolio, and the user can invest efficiently, without forgetting “leftover capital”.
Credit Cards	…	Since the credit card bill is shown together with the bank account balance, overdrafts can be prevented, and by displaying products and services from affiliated sites in a single listing, it is possible to promote use of the card and use of affiliate sites.
E-commerce Sites	…	By displaying possible financing options, it is possible to promote spending. It is also possible to cross-market to purchasers of products from other sites.
Corporate Operations	…	When receipts and payments involve multiple accounts, account aggregation can display information in a single listing, making it easy to check funds and payments.
Employee Benefits	…	Account aggregation makes possible the single display of individual employee benefit accounts such as employee pensions, in-house savings, employee stock plans, and cafeteria benefit plans, and allows the information to be checked easily.

Q5：What is unique about Agurippa?

Unlike other application service providers, Agurippa uses software that was developed by our company in Japan. This means that we can easily customize the software based on our clients’ marketing plans and the business practices of different industries. The system architecture also allows us to easily develop links to peripheral systems such as financial planning or customer relationship management systems that enable effective marketing.

Q6：Is it necessary to register my online banking or trading account username and password?

You must register your username and password for each content provider you would like to use.

Q7：Is it impossible to use Agurippa if I don’t have a personal computer and Internet connection?

At present we are only providing the service to the personal computer environment; however, we are listening to the requests of our users and considering possible access on other types of terminals as well.

Q8：What are you doing to protect personal information when operating Agurippa?

In our privacy policy and our agreement with our end users we explain that we will not use personal information except for specific purposes and with the prior consent of the user. (Possible uses might include billing, system maintenance/system management, or use for marketing materials or statistics, in which case identifying information is not included.) We maintain our operational infrastructure in accordance with the Compliance Program on Personal Information Protection.

Q9：What security measures are in place when operating Agurippa?

Agurippa uses personal financial information, so we pay very careful attention to security. As an example, the system is protected by multiple firewalls, data is encrypted in our database and in transit, and we have employed an intrusion detection system. We have also placed the system in a physical location that we have chosen with consideration for its power supply, fire extinguisher systems, and ability to resist earthquakes. Access to the system is protected by fingerprint recognition technology.

Q10：Can Agurippa handle changes in the format and content of the Websites of your content providers?

When a change has been implemented on the site of one of our content providers, we perform a systems check and contact the content provider to make sure we recognize the site update, and then we respond by promptly making changes to our own software.

Q11：Is it possible to customize Agurippa?

Based on the requests of our partners, we can customize the design of the site’s account aggregation screen as well as the connection configuration, etc.

Q12：Is large-scale system development necessary in order for an OEM partner to deploy Agurippa?

Although it depends on how the system is customized, for the most part system modification and development by the partner is not necessary.

Q13：Do you have any plans to expand features in the future?

We have plans to implement an XML interface that will allow information acquisition from the sites of content providers without being affected by changes to the sites. We are also planning to make the service usable with L-mode and i-mode.