[Openid-specs-fapi] Fwd: OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS

Ralph Bragg Ralph.Bragg at openbanking.org.uk
Mon Jul 10 15:24:48 UTC 2017


Brian et al,


Confluence access is open to all if you'd like to pass the comments on directly however i'll also make sure any comments are seen by the right people and fed in.


RB

________________________________
From: Brian Campbell <bcampbell at pingidentity.com>
Sent: 10 July 2017 13:50
To: FAPI-Openid-specs
Cc: Ralph Bragg
Subject: Fwd: [Openid-specs-fapi] Fwd: OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS


I'm sure this isn't the right forum for feedback but I suspect there are Open Banking folks on the FAPI list. And, after a quickish read through https://www.openbanking.org.uk/read-write-apis/account-transaction-api/v1-0-0/ and https://www.openbanking.org.uk/read-write-apis/payment-initiation-api/v1-0-0/ I feel compelled to give some feedback - at least in the small area that I know something about.

The example content and code in the black boxes around JWS is rather problematic. This isn't an exhaustive list but encoding seems wrong (base64 vs. base64url) and/or incorrectly applied (shouldn't be encoding the HTTP body with the RFC 7797 b64 header set to false) and encryption/decryption is mentioned in the computing/verifying signature parts - which I guess might be right for some RSA schemes but there's more to it than that and it certainly isn't generally applicable with JWS / RFC 7515. There's an empty alg value in a sample JOSE header and the x-jws-signature headers aren't valid at all (so much so it's probably intentional).

Sorry for the random critique email spam. But I'm hopeful maybe it'll be seen by someone that will be able to do something useful with it.


---------- Forwarded message ----------
From: Joseph Heenan via Openid-specs-fapi <openid-specs-fapi at lists.openid.net<mailto:openid-specs-fapi at lists.openid.net>>
Date: Wed, Jul 5, 2017 at 8:43 AM
Subject: [Openid-specs-fapi] Fwd: OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS
To: Financial API Working Group List <openid-specs-fapi at lists.openid.net<mailto:openid-specs-fapi at lists.openid.net>>


Hi all,

As below, the UK OpenBanking IE have now published (some of) their specs, which may be of interest to others here.

Direct link is: https://www.openbanking.org.uk/read-write-apis/


Joseph


Begin forwarded message:

From: Open Banking – Secretariat Challenger Banks Stakeholder Group <SecretariatChallengerBanksStakeholderGroup at openbanking.org.uk<mailto:SecretariatChallengerBanksStakeholderGroup at openbanking.org.uk>>
Subject: OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS
Date: 5 July 2017 at 11:49:12 BST

Dear Members

The Next Step in the Transformation and Opening Up of the UK Banking Industry

We are pleased to announce that we have released Account Information and Payment Initiation API specifications today on www.openbanking.org.uk<http://www.openbanking.org.uk/>

As our Trustee, Imran Gulamhuseinwala, states in the announcement, the specifications we are releasing today, which will be live from January next year, provide the platform for developers from banks, fintechs and other organisations to build new web and mobile applications that will deliver a safer, more personalised and easier banking experience for consumers wishing to search, select and switch financial products in a secure environment.

A copy of our announcement can be read in the attached document.


The Open Banking Team

W: www.openbanking.org.uk<http://www.openbanking.org.uk/>.
A:  2 Thomas More Square, London, E1W 1YN





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Please consider the environment before printing this email.

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This email and any attachments are confidential and are intended for the above named only. They may also be legally privileged or covered by other legal rights and rules. Unauthorised dissemination or copying of this email and any attachments, and any use or disclosure of them, is strictly prohibited and may be illegal. If you have received them in error, please delete them and all copies from your system and notify the sender immediately by return email.
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