<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>There are too many acronyms in the following for me to be clear on the meaning, but it is concerning that it seems to give the tpp the ability to acquire user consent when it has little reason to have the users best interest in view.</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature"><blockquote type="cite" cite="mid:CAP-T6TSTPjbbtQ9n70=-K9k5=eyL1_pNvn=T08n2YNX+KQjsSg@mail.gmail.com"><div class="gmail_extra"><div class="gmail_quote"><blockquote class="gmail_quote" style="margin: 0px 0px 0px 0.8ex; border-left-color: rgb(204, 204, 204); padding-left: 1ex;"><div><blockquote type="cite" style="border-left-width: 2px; border-left-color: rgb(16, 16, 255); margin-left: 5px;"><div class="h5"><div dir="ltr"><div class="gmail_default"><blockquote><div class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123WordSection1"><p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph"><font color="#000000"><span style="background-color: rgba(255, 255, 255, 0);">The EC also supports the view that the TPP must be “free from constraints to innovate the design of the user interface for the PSU’s consent and authorisation journey for both PIS and AIS”</span></font></p></div></blockquote></div></div></div></blockquote></div></blockquote></div></div></blockquote><br>..Tom's phone</div><div><br>On Oct 12, 2017, at 5:31 AM, Henrik Biering via Openid-specs-fapi <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>> wrote:<br><br></div><blockquote type="cite"><div>
  
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8">
  
  
    <p>Hi Dave,<br>
      you are certainly right that the cited clause (b) would not
      prevent the PISP from transmitting and storing the users security
      credentials. But the EU is simultaneously struggling to have banks
      become eIDAS relying parties (and even joint co-IdP's) to easily
      and securely manage customers from all EU countries.<br>
      <br>
      This aspiration may be incompatible with a broad interpretation of
      clause (b):<br>
      <br>
      1. The bank may itself be required to redirect to the appropriate
      eIDAS IDP - or (as is currently the case in Denmark) use an
      special embedded flow secured by an IdP-provided browser extension
      that prevents the bank (RP) from accessing the credentials.<br>
      <br>
      2. According to (at least <a moz-do-not-send="true" href="https://digitaliser.dk/resource/3436586">the DK
        implementation</a>) of the eIDAS LOA definitions, IDP's must
      require users not to provide their credentials to any third
      parties. Otherwise the IdP status will be "Limited" which is a
      special LOA level below the three common EU LOA levels. Which
      means that the IdP will be be excluded from use in connection with
      almost all public services - and it definitely cannot claim to
      perform SCA for a bank.<br>
      <br>
      So it seems problematic to open for embedded pass-through flows
      without a careful evaluation of the implications for the use of
      eIDAS.</p>
    <p>/Henrik<br>
    </p>
    <div class="moz-cite-prefix">Den 12-10-2017 kl. 09:51 skrev Dave
      Tonge via Openid-specs-fapi:<br>
    </div>
    <blockquote type="cite" cite="mid:CAP-T6TSTPjbbtQ9n70=-K9k5=eyL1_pNvn=T08n2YNX+KQjsSg@mail.gmail.com">
      <div dir="ltr">
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">HI Nat</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">Sorry, slight confusion - this
          information is not from myself but from one of the members of
          the ERPB PIS group - but I still think this is positive
          movement as it provides a way for the industry to move beyond
          screen scraping.</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">The conversations are not yet in the
          public domain, so I don't think I can provide any more details
          at this point.</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">Ths issue that concerns me is the line
          that is being taken about redirect based APIs.</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">CIBA is good as it allows "decoupled"
          flows and doesn't count as redirection, BUT even with
          decoupled flows many are arguing for "pass-through" or
          "embedded" flows as well - where the banking credentials are
          entered into a third party site and then "passed through" to
          the bank via API.</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">Unfortunately, the text of PSD2 supports
          their argument:</div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">
          <blockquote class="gmail_quote" style="margin:0px 0px 0px
            0.8ex;border-left:1px solid
            rgb(204,204,204);padding-left:1ex">The payment initiation
            service provider shall:<br>
            (a) not hold at any time the payer’s funds in connection
            with the provision of the payment initiation service;<br>
            (b) ensure that the personalised security credentials of the
            payment service user are not, with the exception of the user
            and the issuer of the personalised security credentials,
            accessible to other parties and that <b>they are
              transmitted by the payment initiation service provider
              through safe and efficient channels</b>;</blockquote>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif">PSD2 Article 66.3   </div>
        <div><br>
        </div>
        <div>
          <div class="gmail_default" style="font-family:"trebuchet
            ms",sans-serif">I think we can make an argument that
            any method that involves banking credentials being entered
            on a third party site will severely reduce the "Strong
            Customer Authentication" methods available for that bank to
            use.</div>
          <div class="gmail_default" style="font-family:"trebuchet
            ms",sans-serif"><br>
          </div>
          <div class="gmail_default" style="font-family:"trebuchet
            ms",sans-serif">Dave</div>
          <br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
        <div class="gmail_default" style="font-family:"trebuchet
          ms",sans-serif"><br>
        </div>
      </div>
      <div class="gmail_extra"><br>
        <div class="gmail_quote">On 11 October 2017 at 17:59, Nat
          Sakimura via Openid-specs-fapi <span dir="ltr"><<a href="mailto:openid-specs-fapi@lists.openid.net" target="_blank" moz-do-not-send="true">openid-specs-fapi@lists.openid.net</a>></span>
          wrote:<br>
          <blockquote class="gmail_quote" style="margin:0 0 0
            .8ex;border-left:1px #ccc solid;padding-left:1ex">
            <div style="font-family:Verdana,Geneva,sans-serif">
              <p>Thanks, Dave. </p>
              <p>So, are you saying that <span>ERPB (European) industry
                  group on APIs which you are co-chairing will be
                  vetting the APIs for the compliance? That sounds very
                  positive. </span></p>
              <p><span>On the topic of no-redirections, would something
                  like CIBA counts for redirection? IMHO, it does not
                  make sense from the security point of view to have the
                  user put his bearer token aka password into the TPP
                  apps. With CIBA, redirection is not involved but we
                  can still avoid the above problem. </span></p>
              <p><span>Best, </span></p>
              <p> </p>
              <div>
                <pre>---
Nat Sakimura
Research Fellow, Nomura Research Institute
Chairman of the Board, OpenID Foundation</pre>
              </div>
              <div>
                <div class="h5">
                  <p>On 2017-10-11 23:21, Dave Tonge via
                    Openid-specs-fapi wrote:</p>
                </div>
              </div>
              <blockquote type="cite" style="padding-left:5px;border-left:#1010ff 2px
                solid;margin-left:5px">
                <div>
                  <div class="h5">
                    <div dir="ltr">
                      <div class="gmail_default" style="font-family:'trebuchet ms',sans-serif">Dear
                        FAPI Working Group</div>
                      <div class="gmail_default" style="font-family:'trebuchet ms',sans-serif"> </div>
                      <div class="gmail_default" style="font-family:'trebuchet ms',sans-serif">As
                        discussed on the call, here is the latest
                        information we have on the RTS:</div>
                      <div class="gmail_default" style="font-family:'trebuchet ms',sans-serif"> </div>
                      <div class="gmail_default" style="font-family:'trebuchet ms',sans-serif">
                        <blockquote style="font-family:arial,sans-serif;font-size:12.8px">
                          <div class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123WordSection1">
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph"><span style="color:#1f497d">1.<span style="font-stretch:normal;font-size:7pt;line-height:normal">       </span></span><span style="color:#1f497d">RTS is in the
                                final stages of approval by EC –
                                expected early Nov (effective date
                                likely to be Sept 2019). On screen
                                scraping (known as the fall back option)
                                the draft EC proposal is that PSP firms
                                will be able to seek a regulatory
                                exemption, to be granted by the
                                competent authority, to avoid having to
                                supporting screen scraping at all. To
                                obtain an exception will require a
                                vetting process based upon at least the
                                following criteria:<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph" style="margin-left:72pt"><span style="color:#1f497d">a.<span style="font-stretch:normal;font-size:7pt;line-height:normal">       </span></span><span style="color:#1f497d">The APIs are
                                technically PSD2/RTS compliant<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph" style="margin-left:72pt"><span style="color:#1f497d">b.<span style="font-stretch:normal;font-size:7pt;line-height:normal">      </span></span><span style="color:#1f497d">They are available
                                3 months ahead of implementation<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph" style="margin-left:72pt"><span style="color:#1f497d">c.<span style="font-stretch:normal;font-size:7pt;line-height:normal">       </span></span><span style="color:#1f497d">They have been
                                market tested<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph" style="margin-left:72pt"><span style="color:#1f497d">d.<span style="font-stretch:normal;font-size:7pt;line-height:normal">      </span></span><span style="color:#1f497d">They adhere to
                                specific performance criteria<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="MsoNormal"><span style="color:#1f497d"><span style="text-decoration:underline"></span> <span style="text-decoration:underline"></span></span></p>
                            <p class="MsoNormal" style="margin-left:36pt"><span style="color:#1f497d">The EC also
                                proposes that the ERPB (European)
                                industry group on APIs, that I
                                established and which I co-chair, could,
                                de facto, become the industry group to
                                ‘vet’ APIs with support and active
                                participation by EC (DG FISMA and DG
                                COMP) and including the national
                                competent authorities (like FCA). This
                                is a very significant and incredibly
                                positive development as the EC is
                                effectively saying </span><span style="color:#1f497d">that they</span><span style="color:#1f497d"> want to ‘bless’
                                industry to guide </span><span style="color:#1f497d">them</span><span style="color:#1f497d">, the regulators,</span><span style="color:#1f497d">to </span><span style="color:#1f497d">get this right.<span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="MsoNormal" style="margin-left:36pt"><span style="color:#1f497d"><span style="text-decoration:underline"></span> <span style="text-decoration:underline"></span></span></p>
                            <p class="MsoNormal" style="margin-left:36pt"><span style="color:#1f497d">Therefore</span><span style="color:#1f497d">, the</span><span style="color:#1f497d"> OB PSD2 APIs
                                would conceivably have to go through
                                this vetting and approval process, which
                                illustrates the importance of aligning
                                our PSD2 roadmap assumptions based on
                                the direction set at European level</span><span style="color:#1f497d">. This</span><span style="color:#1f497d"> will help to </span><span style="color:#1f497d">avoid </span><span style="color:#1f497d">divergence between
                                standards at </span><span style="color:#1f497d">the</span><span style="color:#1f497d"> national level.
                                   <span style="text-decoration:underline"></span><span style="text-decoration:underline"></span></span></p>
                            <p class="MsoNormal" style="margin-left:36pt"><span style="color:#1f497d"><span style="text-decoration:underline"></span> <span style="text-decoration:underline"></span></span></p>
                            <p class="m_119826132494885966gmail-m_5119645816753680022gmail-m_7159559134696043123MsoListParagraph">2.<span style="font-stretch:normal;font-size:7pt;line-height:normal">       </span><span style="color:#1f497d">There have been
                                some question</span><span style="color:#1f497d">s </span><span style="color:#1f497d">recently about the
                                redirection model for PSU authorisation
                                a</span><span style="color:#1f497d">nd</span><span style="color:#1f497d"> whether it is
                                PSD2 compliant. Directionally</span><span style="color:#1f497d">,</span><span style="color:#1f497d"> the EC supports
                                the view that “APIs must support all
                                authentication procedures provided by
                                the ASPSP to the PSU</span><span style="color:#1f497d">,</span><span style="color:#1f497d"> but <span style="text-decoration:underline">must
                                  not require the TPP to have to use the
                                  redirect option</span>”. Strictly
                                speaking</span><span style="color:#1f497d">,</span><span style="color:#1f497d"> the EC is not
                                banning redirection, but it does support
                                the view that a TPP should not have to
                                be forced to use it</span><span style="color:#1f497d">. </span><span style="color:#1f497d">Logically
                                therefore</span><span style="color:#1f497d">,</span><span style="color:#1f497d"> it cannot be the
                                only option available. The EC also
                                supports the view that the TPP must be
                                “free from constraints to innovate the
                                design of the user interface for the
                                PSU’s consent and authorisation journey
                                for both PIS and AIS”. Within the ERPB
                                API group we agreed yesterday in
                                Brussels to go into detail on this topic
                                to define what is acceptable based on
                                the three methods of redirect, pass</span><span style="color:#1f497d">-</span><span style="color:#1f497d">through and
                                embedded. The objective is to set </span><span style="color:#1f497d">a</span><span style="color:#1f497d"> ‘bar’ of
                                acceptability to be blessed by the EC as
                                a one of the criteria by which to ‘vet’
                                API standards for conformity with
                                PSD2/RTS.</span></p>
                          </div>
                        </blockquote>
                      </div>
                      <br clear="all">
                      <div> </div>
                      -- <br>
                      <div class="m_119826132494885966gmail_signature">
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                                          <div style="color:#00a4b7;font-weight:bold;font-size:1em;line-height:1.4">Dave
                                            Tonge</div>
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                                          <span style="font-size:11px;line-height:15.925px;color:#00a4b7;font-weight:bold">t: </span><span style="font-size:11px;line-height:15.925px">+44 (0)117 280 5120</span></div>
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                                          sans',arial,sans-serif"><span style="color:#00a4b7"><span style="font-size:11px;line-height:15.925px"><br>
                                            </span></span>
                                          <div style="color:#333333;line-height:1.4"><span style="font-size:0.75em">Moneyhub
                                              Enterprise is a trading
                                              style of Momentum
                                              Financial Technology
                                              Limited which is
                                              authorised and regulated
                                              by the Financial Conduct
                                              Authority
                                              ("FCA"). Momentum
                                              Financial Technology is
                                              entered on the Financial
                                              Services Register </span><span style="font-size:0.75em;background-color:transparent">(FRN </span><span style="font-size:0.75em;background-color:transparent;color:#00a4b7;font-weight:bold">561538</span><span style="font-size:0.75em;background-color:transparent">) at <a href="http://fca.org.uk/register" target="_blank" moz-do-not-send="true">fca.org.uk/register</a>.
                                              Momentum Financial
                                              Technology is registered
                                              in England & Wales,
                                              company registration
                                              number </span><span style="font-size:0.75em;color:#00a4b7;font-weight:bold;background-color:transparent">06909772</span><span style="font-size:0.75em;background-color:transparent"> </span><span style="color:#222222;font-family:arial,sans-serif;background-color:transparent"><span style="font-size:xx-small">©</span></span><span style="font-size:0.75em;background-color:transparent"> . </span><span style="background-color:transparent;font-size:0.75em">Momentum Financial
                                              Technology Limited 2016. </span><span style="background-color:transparent;font-size:0.75em;color:#888888">DISCLAIMER:
                                              This email (including any
                                              attachments) is subject to
                                              copyright, and the
                                              information in it is
                                              confidential. Use of this
                                              email or of any
                                              information in it other
                                              than by the addressee is
                                              unauthorised and unlawful.
                                              Whilst reasonable efforts
                                              are made to ensure that
                                              any attachments are
                                              virus-free, it is the
                                              recipient's sole
                                              responsibility to scan all
                                              attachments for viruses.
                                              All calls and emails to
                                              and from this company may
                                              be monitored and recorded
                                              for legitimate purposes
                                              relating to this company's
                                              business. Any opinions
                                              expressed in this email
                                              (or in any attachments)
                                              are those of the author
                                              and do not necessarily
                                              represent the opinions of
                                              Momentum Financial
                                              Technology Limited or of
                                              any other group company.</span></div>
                                        </div>
                                      </div>
                                    </div>
                                  </div>
                                </div>
                              </div>
                            </div>
                          </div>
                        </div>
                      </div>
                    </div>
                    <br>
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                <pre>______________________________<wbr>_________________
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</pre>
              </blockquote>
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            <br>
          </blockquote>
        </div>
        <br>
        <br clear="all">
        <div><br>
        </div>
        -- <br>
        <div class="gmail_signature" data-smartmail="gmail_signature">
          <div dir="ltr">
            <div>
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                    <div style="font-size:1em;font-weight:bold;line-height:1.4">
                      <div style="color:rgb(97,97,97);font-family:'Open
Sans';font-size:14px;font-weight:normal;line-height:21px">
                        <div style="font-family:Arial,Helvetica,sans-serif;font-size:0.925em;line-height:1.4;color:rgb(220,41,30);font-weight:bold">
                          <div style="font-size:14px;font-weight:normal;color:rgb(51,51,51);font-family:lato,"open
sans",arial,sans-serif;line-height:normal">
                            <div style="color:rgb(0,164,183);font-weight:bold;font-size:1em;line-height:1.4">Dave
                              Tonge</div>
                            <div style="font-size:0.8125em;line-height:1.4">CTO</div>
                            <div style="font-size:0.8125em;line-height:1.4;margin:0px"><a href="http://www.google.com/url?q=http%3A%2F%2Fmoneyhubenterprise.com%2F&sa=D&sntz=1&usg=AFQjCNGUnR5opJv5S1uZOVg8aISwPKAv3A" style="color:rgb(131,94,165);text-decoration:none" target="_blank" moz-do-not-send="true"><img alt="Moneyhub Enterprise" src="http://content.moneyhub.co.uk/images/teal_Moneyhub-Ent_logo_200x50.png" title="Moneyhub Enterprise" style="border:none;padding:0px;border-radius:2px;margin:7px" moz-do-not-send="true" height="50" width="200"></a></div>
                            <div style="padding:8px 0px"><span style="color:rgb(0,164,183);font-size:11px;background-color:transparent">10
                                Temple Back, Bristol, BS1 6FL</span></div>
                            <span style="font-size:11px;line-height:15.925px;color:rgb(0,164,183);font-weight:bold">t: </span><span style="font-size:11px;line-height:15.925px">+44 (0)117 280 5120</span><br>
                          </div>
                          <div style="color:rgb(97,97,97);font-size:14px;font-weight:normal;font-family:lato,"open
                            sans",arial,sans-serif"><font color="#00a4b7"><span style="font-size:11px;line-height:15.925px"><br>
                              </span></font>
                            <div style="color:rgb(51,51,51);line-height:1.4"><span style="font-size:0.75em">Moneyhub
                                Enterprise is a trading style of
                                Momentum Financial Technology Limited
                                which is authorised and regulated by the
                                Financial Conduct Authority
                                ("FCA"). Momentum Financial Technology
                                is entered on the Financial Services
                                Register </span><span style="font-size:0.75em;background-color:transparent">(FRN </span><span style="font-size:0.75em;background-color:transparent;color:rgb(0,164,183);font-weight:bold">561538</span><span style="font-size:0.75em;background-color:transparent">) at <a href="http://fca.org.uk/register" target="_blank" moz-do-not-send="true">fca.org.uk/register</a>.
                                Momentum Financial Technology is
                                registered in England & Wales,
                                company registration number </span><span style="font-size:0.75em;color:rgb(0,164,183);font-weight:bold;background-color:transparent">06909772</span><span style="font-size:0.75em;background-color:transparent"> </span><span style="color:rgb(34,34,34);font-family:arial,sans-serif;background-color:transparent"><font size="1">©</font></span><span style="font-size:0.75em;background-color:transparent"> . </span><span style="background-color:transparent;font-size:0.75em">Momentum Financial
                                Technology Limited 2016. </span><span style="background-color:transparent;font-size:0.75em;color:rgb(136,136,136)">DISCLAIMER:
                                This email (including any attachments)
                                is subject to copyright, and the
                                information in it is confidential. Use
                                of this email or of any information in
                                it other than by the addressee is
                                unauthorised and unlawful. Whilst
                                reasonable efforts are made to ensure
                                that any attachments are virus-free, it
                                is the recipient's sole responsibility
                                to scan all attachments for viruses. All
                                calls and emails to and from this
                                company may be monitored and recorded
                                for legitimate purposes relating to this
                                company's business. Any opinions
                                expressed in this email (or in any
                                attachments) are those of the author and
                                do not necessarily represent the
                                opinions of Momentum Financial
                                Technology Limited or of any other group
                                company.</span></div>
                          </div>
                        </div>
                      </div>
                    </div>
                  </div>
                </div>
              </div>
            </div>
          </div>
        </div>
      </div>
      <br>
      <fieldset class="mimeAttachmentHeader"></fieldset>
      <br>
      <pre wrap="">_______________________________________________
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</pre>
    </blockquote>
    <br>
  

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