<div dir="ltr"><br><div><div>I'm sure this isn't the right forum for feedback but I suspect there are <span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">Open Banking folks on the FAPI list. And, after a quickish read through <a href="https://www.openbanking.org.uk/read-write-apis/account-transaction-api/v1-0-0/" target="_blank">https://www.openbanking.org.uk<wbr>/read-write-apis/account-trans<wbr>action-api/v1-0-0/</a> and <a href="https://www.openbanking.org.uk/read-write-apis/payment-initiation-api/v1-0-0/" target="_blank">https://www.openbanking.org.<wbr>uk/read-write-apis/payment-<wbr>initiation-api/v1-0-0/</a> I feel compelled to give some feedback - at least in the small area that I know something about. <br><br></span></div><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">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 </span><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline"><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">RFC 7797</span>
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 </span><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline"><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">/ RFC 7515</span>.
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). <br><br></span></div><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">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.</span><br><br><br><div class="gmail_quote">---------- Forwarded message ----------<br>From: <b class="gmail_sendername">Joseph Heenan via Openid-specs-fapi</b> <span dir="ltr"><<a href="mailto:openid-specs-fapi@lists.openid.net" target="_blank">openid-specs-fapi@lists.openi<wbr>d.net</a>></span><br>Date: Wed, Jul 5, 2017 at 8:43 AM<br>Subject: [Openid-specs-fapi] Fwd: OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS<br>To: Financial API Working Group List <<a href="mailto:openid-specs-fapi@lists.openid.net" target="_blank">openid-specs-fapi@lists.openi<wbr>d.net</a>><br><br><br><div><div>Hi all,</div><div><br></div>As below, the UK OpenBanking IE have now published (some of) their specs, which may be of interest to others here.<div><br></div><div>Direct link is: <a href="https://www.openbanking.org.uk/read-write-apis/" target="_blank">https://www.openbanking.or<wbr>g.uk/read-write-apis/</a></div><div><br></div><div><br></div><div>Joseph</div><div><br><div><br><blockquote type="cite"><div>Begin forwarded message:</div><br class="m_817157755369881818gmail-m_7733774388699298235gmail-m_214435451082980136Apple-interchange-newline"><div style="margin:0px"><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif;color:rgb(0,0,0)"><b>From: </b></span><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif">Open Banking – Secretariat Challenger Banks Stakeholder Group <<a href="mailto:SecretariatChallengerBanksStakeholderGroup@openbanking.org.uk" target="_blank">SecretariatChallengerBanksSta<wbr>keholderGroup@openbanking.org.<wbr>uk</a>><br></span></div><div style="margin:0px"><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif;color:rgb(0,0,0)"><b>Subject: </b></span><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif"><b>OPEN BANKING LAUNCHES ACCOUNT INFORMATION & PAYMENT INITIATION API SPECIFICATIONS</b><br></span></div><div style="margin:0px"><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif;color:rgb(0,0,0)"><b>Date: </b></span><span style="font-family:-webkit-system-font,Helvetica Neue,Helvetica,sans-serif">5 July 2017 at 11:49:12 BST</span></div><br><div><div class="m_817157755369881818gmail-m_7733774388699298235gmail-m_214435451082980136WordSection1" style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">Dear Members<u></u><u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><u></u> <u></u></b></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b>The Next Step in the Transformation and Opening Up of the UK Banking Industry<u></u><u></u></b></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u> <u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">We are pleased to announce that we have released Account Information and Payment Initiation API specifications today on<span class="m_817157755369881818gmail-m_7733774388699298235gmail-m_214435451082980136Apple-converted-space"> </span><a href="http://www.openbanking.org.uk/" style="color:purple;text-decoration:underline" target="_blank">www.openbanking.org.uk</a><u></u><u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u> <u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">As our Trustee, Imran Gulamhuseinwala<span style="color:rgb(31,73,125)">,</span><span class="m_817157755369881818gmail-m_7733774388699298235gmail-m_214435451082980136Apple-converted-space"> </span>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.<u></u><u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u> <u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif">A copy of our announcement can be read in the attached document.<u></u><u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u> <u></u></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><u></u> <u></u></b></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b>The Open Banking Team<u></u><u></u></b></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="color:rgb(31,73,125)"><u></u> <u></u></span></div><div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="color:rgb(31,73,125)">W</span></b><span style="color:rgb(31,73,125)">: <a href="http://www.openbanking.org.uk/" style="color:purple;text-decoration:underline" target="_blank"><span style="color:blue">www.openbanking.org.uk</span></a>. <u></u><u></u></span></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="color:rgb(31,73,125)">A:</span></b><span style="color:rgb(31,73,125)"> 2 Thomas More Square, London, E1W 1YN<u></u><u></u></span></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="color:rgb(31,73,125)"><u></u> <u></u></span></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="color:rgb(31,73,125)"></span></div></div></div></div></blockquote></div></div></div><br><div><div><div class="m_817157755369881818gmail-m_7733774388699298235gmail-m_-595404421873566115AppleOriginalContents"><blockquote type="cite"><div><div class="m_817157755369881818gmail-m_7733774388699298235gmail-m_-595404421873566115WordSection1" style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="color:rgb(31,73,125)"><u></u><u></u></span></div></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><span style="color:rgb(31,73,125)"><u></u> <u></u></span></div><div style="margin:0cm 0cm 0.0001pt;font-size:11pt;font-family:Calibri,sans-serif"><u></u> <u></u></div></div><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px" clear="all"><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">Please consider the environment before printing this email.</span><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">This email is from Open Banking Limited. Our postal address is 2 Thomas More Square, London, E1W 1YN. Any views or opinions are solely those of the author and do not necessarily represent those of Open Banking.<span class="m_817157755369881818gmail-m_7733774388699298235gmail-m_-595404421873566115Apple-converted-space"> </span></span><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"><span style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px;float:none;display:inline">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.</span><br style="font-family:Helvetica;font-size:12px;font-style:normal;font-variant-caps:normal;font-weight:normal;letter-spacing:normal;text-align:start;text-indent:0px;text-transform:none;white-space:normal;word-spacing:0px"></div></blockquote></div></div></div><br><div><div><div><blockquote type="cite"><div></div></blockquote></div><br></div></div><br>______________________________<wbr>_________________<br>
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