Express Web Connect / Aggregation Defined




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1.	How does Express Web Connect work?
2.	Which method will Quicken use when customers first set up their online account?
3.	How does a customer enable his account for EWC?
4.	What does my FI have to do to participate in EWC?
5.	What account types will EWC support?
6.	What other Intuit products are supported by the aggregation technology?

How does Express Web Connect work?

	Express Web Connect uses aggregation technology (OFX and HTML screen parsing scripts) to login and access account transaction information on behalf of customers.
	It returns Web Connect data to the customer.
	Intuit servers receive the download of Web Connect data automatically each night.
	Data is encrypted (128 bit and 3DES encryption are utilized) to ensure security of all customer data.
	The NCR hosting facility located in Maryland is used to securely house our Intuit servers.
	NCR has been around for 100+ years and has a great reputation for online security beginning with their ATMs.
	Currently, 130+ banks already use this NCR data center to host their customers' data.
	In addition, the Terradata data warehouse is also hosted by NCR at this facility.

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Which method will Quicken use when customers first set up their online account?

	Depending on the services supported by the FI, Quicken chooses the best available method to update transactions and balances.
	Quicken will always start with Direct Connect, if the FI supports it.
	If this connection fails, it will invoke Express Web Connect as the next connection method.
	Note: If your FI only supports Direct Connect, Direct Connect will be the only option your customers will have to set up their online account. EWC will not be invoked.

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How does a customer enable his account for EWC?

For a FI offering Direct Connect and Web Connect - Customers adding a new account will be prompted for the Customer ID and Password.

If the Direct Connect setup fails (i.e. ID and PIN entered is different for Direct Connect vs. ID and PIN for Web site), customers will automatically be set up with EWC.

For a FI offering Web Connect -

	Method 1: If the customer sets up a new account from within Quicken, he will see the above screen and after he enters his credentials, aggregation technology will enable the account for EWC. If the set up fails, the customer will be directed to the FI's Web site.
	Method 2: If the customer begins account setup at FI's Web site and initiates download to add an account into Quicken, the account will be created and enabled for Web Connect. The next time the customer initiates a download from the FI's Web site, the Activate One Step Update screen will appear asking the customer if he wants to enable EWC.

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What does my FI have to do to participate in EWC?

If your financial institution supports Web Connect, then your FI is automatically set up.

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What account types will EWC support?

	Banking and credit card downloads will be rolled out in the Quicken Windows 2007 product.
	Quicken Windows 2007 currently does not support EWC for investment accounts.

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What other Intuit products are supported by the aggregation technology?

As we introduce more products using aggregation, we will keep our FI inform.

Presently, these products utilize the aggregation technology:

	Quicken for Windows 2007
	QuickBooks Online Edition (QBOE)
	TurboTax ExpensePro (EP)

Additional information about QBOE and ExpensePro can be found here.