Account Information Service (AIS)

defines the "Account Information Service" as an online service to provide consolidated information (balance, transaction history) on one or more payment accounts held by a with one or more banks.

As it relates to an , this essentially means that, under open banking protocols, banks allow access to a customer's account data by TPPs only if the customer (PSU) explicitly gives consent (grants permission) to let the bank allow such access.

In the context of the account information queries discussed here, AISP and are one and the same.

The scope of analysis and service Token.io supports includes comparing a PSU's accounts and transaction history to a range of financial service options, aggregating data across participating financial institutions and customers to create marketing profiles, and making new transactions and account changes on the PSU's behalf.

To access Account Details, the value of supports_information in the bank_features parameter of the Bank object must be true for each bank displayed to the user for selection. Token.io-supported account access features are covered in Filtering Banks for User Selection.

Token.io SDK support for accessing a customer's account information institutes a communications workflow that ensures all PSD2 mandates for PSU consent and authorization are met. Pictured next is the general flow (click to enlarge).

Guidance on making the appropriate API calls using SDK classes and methods, as well as handling Token.io's responses to these requests is covered in the topics that follow, beginning with bank selection.