[Openid-specs-mobile-profile] Final Euro Retail Payments Board (ERPB) Report

Dave Tonge dave.tonge at momentumft.co.uk
Wed May 31 15:04:50 UTC 2017

Dear list members,

Please see the attached ERPB Report on Payment Initiation Services. As
discussed in both the FAPI and MODRNA working groups, the report defines 3
approaches to the application of "strong customer authentication":

*Embedded*: the personal security credentials of the payment service user
> (PSU) (e.g. user ID, One Time Password (OTP)) will be transmitted to the
> ASPSP by the TPP.
> *Redirection*: the PSU is redirected to the ASPSP’s website for the sole
> purpose of its authentication, and is then redirected back to the PISP’s
> website.
> *Decoupled:* SCA takes place via a dedicated device and/or app.

The current FAPI spec supports the "redirection" approach and we are
exploring using the MODRNA CIBA spec to support the "decoupled" approach.

Please let me know if you have any questions about this report.



Dave Tonge
[image: Moneyhub Enterprise]
10 Temple Back, Bristol, BS1 6FL
t: +44 (0)117 280 5120

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