[Openid-specs-fapi] A change suggestion to the Forward of our specs

[Anders Rundgren]

On 2017-11-28 07:25, Dave Tonge via Openid-specs-fapi wrote:
> Hi Nat,
> 
> This sounds good.
> I aim to submit a pull request with some changes to the CIBA profile shortly (based on the discussions at the face to face meeting).
> 
> Tom - there are several use-cases where it will be beneficial to have a separation from the authentication device and the consumption device, e.g.
> 
>   * Paying at a POS terminal - an identifier is entered at the POS terminal, but auth happens on the user's phone

Ooh, I feel great pain here :-)

Authorization (locally generated signature) is way more useful than authentication for this scenario and in fact to EVERY merchant-originated payment situation.

Anders


>   * A call centre agent requesting access to an account for support purposes - the call centre agent initiates the auth flow, the customer approves the request to give the call centre agent access to the account
> 
> In addition, whether we agree with it or not, there is a recognised need for a "decoupled" mode of auth in Europe to support PSD2. A decoupled mode, based on CIBA, could support all number of interactions. For example, it may be a better user experience for a person connecting their bank accounts to a personal finance dashboard on their laptop, to not be redirected, but to rather authenticate and authorise the connecting on their mobile device.
> 
> Dave
> 
> On 28 November 2017 at 05:07, Tom Jones via Openid-specs-fapi <openid-specs-fapi at lists.openid.net <mailto:openid-specs-fapi at lists.openid.net>> wrote:
> 
>     I have not been able to come up with any use case where an FI would use CIBA.
>     Can someone please provide one?
>     thx ..tomj
> 
>     Peace ..tom
> 
>     On Mon, Nov 27, 2017 at 6:42 PM, Nat Sakimura via Openid-specs-fapi <openid-specs-fapi at lists.openid.net <mailto:openid-specs-fapi at lists.openid.net>> wrote:
> 
>         Dear FAPIers:
> 
>         I and Edmund are preparing for a next draft to be pushed to openid.net <http://openid.net> site. In doing so, the following paragraph in the Forward section came to my attention.
> 
>              Financial API consists of the following parts:
> 
>              Part 1: Read-Only API Security Profile
>              Part 2: Read and Write API Security Profile
>              Part 3: Open Data API
>              Part 4: Protected Data API and Schema - Read-Only
>              Part 5: Protected Data API and Schema - Read and Write
> 
>              This does not reflect our current thinking.
> 
>         I thought maybe it is better to replace with something like:
> 
>              Financial API consists of the following parts:
> 
>              Part 1: Read-Only API Security Profile
>              Part 2: Read and Write API Security Profile
>              Part 3: Client Initiated Backchannel Authentication Profile
> 
>              Further parts may follow.
> 
>         What do you think?
> 
>         Nat
> 
>         -- 
>         Nat Sakimura
>         Research Fellow, Nomura Research Institute
>         Chairman of the Board, OpenID Foundation
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> 
> -- 
> Dave Tonge
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