[Openid-specs-fapi] Issue #295: Possible support for "embedded" SCA mode (openid/fapi)

[Dave Tonge]

I agree that a new endpoint is probably best. However I'd still like to
explore the flow as an extension of CIBA, the reason being:
 - no new grant type needed
 - method of getting tokens already established
 - it is closer to the CIBA flow than the standard redirect flow

On Thu, 4 Jun 2020 at 09:32, Torsten Lodderstedt via Openid-specs-fapi <
openid-specs-fapi at lists.openid.net> wrote:

> Embedded SCA is a multi step authentication/authorization process with a
> variety of different methods. I think, if we gone support it, we should
> define a new endpoint for it. Otherwise, CIBA endpoints are cluttered with
> additional logic specific to embedded.
>
> > Am 03.06.2020 um 16:23 schrieb dgtonge via Openid-specs-fapi <
> openid-specs-fapi at lists.openid.net>:
> >
> > New issue 295: Possible support for "embedded" SCA mode
> >
> https://bitbucket.org/openid/fapi/issues/295/possible-support-for-embedded-sca-mode
> >
> > Dave Tonge:
> >
> > There is currently a legislative requirement for some banks in the EU to
> allow TPPs to use an “embedded' mode where the TPP collects the user’s
> credentials and passes them through to the bank.
> >
> > While this is not our recommended approach, maybe we should consider a
> way of supporting it. This would help with harmonisation efforts so that we
> can try and get FAPI adopted more widely.
> >
> > This is how the Berlin Group support this type of interaction:
> >
> > ![](
> https://bitbucket.org/repo/K7gLBb/images/3573164385-Screenshot%202020-06-03%20at%2016.11.01.png
> )
> > It is important to note that there is a requirement for the TPP to
> receive back a challenge to present to a user.
> >
> > One idea for how to implement this would be to use CIBA as it already
> has the concept of an “authorization session” via the auth\_req\_id.
> >
> > The flow could be:
> >
> > * RP → AS: /bc-authorize Create authorization request with a parameter
> indicating that embedded auth is preferred
> > * AS → RP: Ask the user for username/password
> > * RP → AS /token \{auth\_req\_id, auth\_params: \{user, password\}\}
> > * AS → RP: Ask the user for OTP
> > * RP → AS /token \{auth\_req\_id, auth\_params: \{OTP\}\}
> > * AS → RP Token
> >
> > No new endpoints would be needed. We would need extensions to the
> backchannel authentication endpoint and the token endpoint.
> >
> >
> >
> >
> > ‌
> >
> > ‌
> >
> > ‌
> >
> > Responsible: Dave Tonge
> > _______________________________________________
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-- 
Dave Tonge
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