[Openid-specs-fapi] OpenBanking CIBA flow / login_hint_token

Ralph Bragg ralph.bragg at raidiam.com
Wed Jun 19 07:04:22 UTC 2019


I’ll sync up with freddi today on this, but my initial comments are that Yes, there’s nothing stopping the Authorization url being generated as a QR code and this flow being a standard redirect however how would the auth code be returned back to the RP? 2.3.3 is designed for a kiosk type situation, you’d need the kiosk to have an input device as well to scan a AS mobile presented QR code to capture the redirect response? Apologies if I’m missing something.

My concern with adding additional parameters rather than profiling the token is vendor support. We had the same issue when trying to find a solution that would work with existing vendor capability. If vendors are going to follow the spec as described and allow any attribute to be passed through and made available for process then great... typically I’ve seen that only the named parameter like login_token_hint etc or request_object be available for processing / profiling.

I’d prefer to profile the token rather than introduce new parameters.


From: Openid-specs-fapi <openid-specs-fapi-bounces at lists.openid.net> on behalf of Dave Tonge via Openid-specs-fapi <openid-specs-fapi at lists.openid.net>
Sent: Tuesday, June 18, 2019 22:47
To: Financial API Working Group List
Cc: Dave Tonge
Subject: Re: [Openid-specs-fapi] OpenBanking CIBA flow / login_hint_token

Hi Chris, Ralph and Joseph

So in the base spec we describe the flow where the bank generates a single use identifier (2.3.2 in the Customer Experience Guidelines).
I did have language attempting to describe the TPP generated identifier (2.3.3 - the flow described by Joseph), however we dropped the text as we felt it didn't quite fit into CIBA.
2.3.1 and 2.3.4 are also supported out of the box by CIBA.

To echo Joseph's point - couldn't the flow described in 2.3.3 be performed using links and a standard redirect flow. i.e. the TPP displays a QR code or link to which the user navigates to on their phone. This starts a standard redirect flow. The only limitation here is that not

The separate point of where to pass the intent id is interesting. I'd strongly suggest that OB consider passing it as an extra parameter, rather than including it in to the login_hint_token. In CIBA core we have this phrase: "An authentication request is composed of the following parameters andMAY contain additional parameters defined by extension or profile:"


On Mon, 17 Jun 2019 at 09:29, Chris Michael via Openid-specs-fapi <openid-specs-fapi at lists.openid.net<mailto:openid-specs-fapi at lists.openid.net>> wrote:

Thanks @Ralph

@Joseph, please can we make sure the spec supports all 4 models/flows as per https://www.openbanking.org.uk/wp-content/uploads/Customer-Experience-Guidelines-V1.3.0.pdf

While one of these does potentially allow a phishing vector, my preference would be to allow this but clearly call out the risk, as there are some use cases where the OP may chose to implement this.

Chris Michael

Head of Technology

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From: Openid-specs-fapi <openid-specs-fapi-bounces at lists.openid.net<mailto:openid-specs-fapi-bounces at lists.openid.net>> on behalf of Ralph Bragg via Openid-specs-fapi <openid-specs-fapi at lists.openid.net<mailto:openid-specs-fapi at lists.openid.net>>
Sent: 17 June 2019 07:48
To: Financial API Working Group List
Cc: Ralph Bragg
Subject: Re: [Openid-specs-fapi] OpenBanking CIBA flow / login_hint_token

Jospeh, yes sort of. The login hint token is meant to contain a user identified, either a previously used request/intent ID, a static user ID that’s pairwise bound to the client or worst case a static ID for the user.

This would facilitate a push (in the first two cases) and potentially a phishing Vector in the third.

If there’s no “hint” then yes, a CIBA flow can be used in the way that you described however the QR code / thing to convey to the customer just needs to be a long / nonce intentid, the customer already knows the bank that they selected and all of the information should have been staged with the CIBA request this is sufficient to allow a customer to come and claim the CIBA initiated request. This flow is useful when you’re performing authN/authZ on two different devices. Mobile to mobile a redirect is much better.

From: Openid-specs-fapi <openid-specs-fapi-bounces at lists.openid.net<mailto:openid-specs-fapi-bounces at lists.openid.net>> on behalf of Joseph Heenan via Openid-specs-fapi <openid-specs-fapi at lists.openid.net<mailto:openid-specs-fapi at lists.openid.net>>
Sent: Monday, June 17, 2019 7:22:55 AM
To: Openid-specs-fapi
Cc: Joseph Heenan
Subject: [Openid-specs-fapi] OpenBanking CIBA flow / login_hint_token

Hi all,

On the last call we talked about how the OpenBanking UK spec ( https://openbanking.atlassian.net/wiki/spaces/DZ/pages/1077805207/Read+Write+Data+API+Specification+-+v3.1.2#Read/WriteDataAPISpecification-v3.1.2-CIBA ) uses the login_hint_token in CIBA.

Dave raised a ticket that’s quite related ( https://bitbucket.org/openid/fapi/issues/228/ciba-and-lodging-intent ).

I thought it would be useful to people’s comprehension to draw out a sequence diagram of the OB CIBA flow, in particular the one that uses the login_hint_token to communicate intent, and uses a QR code to replace the login_hint_token as a way to identify the user, as I didn’t understand how this worked when I first read the spec.

Image of the flow is attached below. Note that it assumes the user has already setup the bank’s mobile banking app on their phone and linked it to their account.

This I believe relates to ‘2.3.3 model C’ on page 40 of https://www.openbanking.org.uk/wp-content/uploads/Customer-Experience-Guidelines-V1.3.0.pdf - this has some pictures showing the flow from the viewpoint of the user.

(I believe this is right, but If anyone from OB can confirm/deny I’m happy to make corrections. I’ve included both the image and the source plantuml)





title Standard CIBA
autonumber "<b>Step #: "

box "User Interactions" #LightBlue
participant Relying_Party as RP
participant Authentication_Device as AD

box "Bank" #LightGray
participant Authorization_Server as AS
participant Resource_Server as RS

RP->RP: User launches process
'RP->AS: client_credentials grant
'AS->RP: access_token_client
'RP->RS: Register intent using access_token_client
'RS->RP: indent_id
RP->AS: CIBA request
RP<-AS: auth_req_id
AS->AD: request user authenticates
...wait for user to approve...
AS<-AD: authentication approved
RP<-AS: CIBA ping notification
RP->AS: token request
RP<-AS: access_token
RP->RS: access transaction data using access_token

autonumber 1
newpage OpenBanking UK version
' https://openbanking.atlassian.net/wiki/spaces/DZ/pages/1077805207/Read+Write+Data+API+Specification+-+v3.1.2#Read/WriteDataAPISpecification-v3.1.2-CIBA
RP->RP: User launches process
group OB Intent creation
RP->AS: client_credentials grant
AS->RP: access_token_client
RP->RS: Register intent using access_token_client
RS->RP: indent_id
RP->RP: create login_hint_token: \n"IID", intent_id
RP->AS: CIBA request: login_hint_token
note right: nothing in here identifies the user
RP<-AS: auth_req_id
group OB link user to request
RP->RP: display QR code containing\nintent_id, auth_req_id
AD->AD: user opens bank's mobile app
RP->AD: user scans QR code
AD<->AS: fetch authorisation details: auth_req_id, intent_id
note right: Only here does AS know what\nuser it is authenticating
...wait for user to approve...
AS<-AD: authentication approved
RP<-AS: CIBA ping notification
RP->AS: token request
RP<-AS: access_token
RP->RS: access transaction data using access_token


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