Financial aggregator

GETsee is iSOCO’s intelligent aggregation solution. Its most basic function permits end users (private individuals or companies) to save browsing time by compiling data from different sources for them (bank accounts, mail boxes, invoicing information, etc.) and to allow companies offering this service to become a trusted source for clients regarding online services.

Introduction

Different levels of maturity exist in the use of aggregation. Basic aggregation allows the user to access different online contents and services simultaneously and by means of a single interface. 

Once it is possible to aggregate information, new services can be offered, such as the application of intelligent agents, an intelligent adviser (rather than just an online gateway), able to transform basic aggregation services.

This adviser may answer questions such as: Is my portfolio optimised according to my risk profile and lifestyle? Could I reduce my phone bill by changing to another network? Could I save money by splitting my shopping among different online shops? Can you find me X product at Y price? No? Then, let me know when you can. Can you send me an SMS if my credit is insufficient for paying my next bill? When I have enough points with airline A for a trip to Bahamas, will you let me know?

iSOCO’s experience in the field of artificial intelligence allows us to raise aggregation services to an innovative dimension. Companies will be able to offer a complete and sophisticated service based on intelligent recommendations and better knowledge of their clients.
Companies that offer intelligent aggregation services:

• Strengthen their brand and their relationship with clients.
• Get to know their clients better.
• Increase their income by receiving commissions from the use of added value applications and resale of products and services of third parties.

On the other hand, aggregated companies:

• Lose brand visibility and client control.
• Lose control over the service model, which is determined by the aggregator.
• Risk losing their role as intermediary agents and becoming a simple indirect vendor.

Main features

iSOCO GETsee is an intelligent aggregation solution. The use of XML language and a flexible data model make this solution compatible with any format and protocol, which allows any service from any source to be virtually aggregated. Moreover, aggregated data can be displayed on any device and managed through any application.

• Unlimited aggregation sources: iSOCO GETsee is able to aggregate information coming from a wide range of sources, whether financial (current and savings accounts, credit cards, securities, investment funds, etc.), invoices, customer loyalty programmes, insurance, shopping portals and websites, e-mail accounts, etc.
• Great transaction functionality: iSOCO GETsee allows the user to transfer between different accounts, contract financial products, pay bills, shop online, log on to certain online services automatically, etc.
• Intelligent advice: iSOCO GETsee was conceived and designed, from the very beginning, as an intelligent adviser for the user. iSOCO GETsee offers a wide range of user advice services and analysis tools for aggregation service companies. It can be easily integrated with other added value applications, whether or not developed by iSOCO, thanks to its open APIs and web services. Among the services and applications that benefit from iSOCO’s open and modular architecture are: portfolio management and optimisation, search and meta search engines, online shopping optimisers, product and service recommendation tools, customer profiling tools and data mining tools.
• Other features: iSOCO GETsee offers other functions, such as alternative name configuration for viewing accounts, multi-session support and auto login. iSOCO GETsee allows the user to access their aggregated data by means of a simple spreadsheet and web service technology.

Technology

iSOCO GETsee is a state-of-the-art application based on XML and web service standards which works as a J2EE solution. iSOCO GETsee was designed for non-intrusive integration with the existing IT environments and its main features are:

• Robustness
• Security
• Scalability
• Easy management
• Easy maintenance
• Multi-channel
• Multi-platform

Security

GETsee was designed to comply with the strictest security standards: it uses high, triple DES, 128-bit encryption to ensure the security of aggregated data. Advanced cryptographic techniques allow users and passwords to be kept secret and inaccessible, even for the company offering the aggregated service.