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<div>Dear all,</div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
<div>Please find below the preliminary minutes on our MODRNA call on May 31 2017.</div>
<div>In case of any mistake or misunderstanding, please let me know.</div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
<a name="BM_BEGIN"></a>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"><u>Participants</u><u> </u><u>:</u></span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> Bjorn, Charles, Dave Tonge, Hubert, Philippe, Nicolas, John, Nat</span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"><u>Agenda</u><u> </u><u>:</u></span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">Feedback on Workshop meeting minutes [all]</li><li style="margin-top:5pt;margin-bottom:5pt;">Polling vs Notification [Axel]</li><li style="margin-top:5pt;margin-bottom:5pt;">FAPI WG feedback on MODRNA Specifications [Bjorn/John]</li><li style="margin-top:5pt;margin-bottom:5pt;">Issue Tracker [All]</li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;"><a href="https://bitbucket.org/openid/mobile/issues/52/ciba-pairwise-identifiers-structuring-text"><u>#52</u></a></li><li style="margin-top:5pt;margin-bottom:5pt;"><a href="https://bitbucket.org/openid/mobile/issues/53/ciba-terminology-consumption-device"><u>#53</u></a></li><li style="margin-top:5pt;margin-bottom:5pt;"><a href="https://bitbucket.org/openid/mobile/issues/54/ciba-client-notification-endpoint"><u>#54</u></a></li><li style="margin-top:5pt;margin-bottom:5pt;"><a href="https://bitbucket.org/openid/mobile/issues/55/ciba-signed-result-objects"><u>#55</u></a></li></span></font>
</ul>
<ul style="margin:0;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;"><u>Discussion</u><u> </u><u>:</u></li></span></font>
</ul>
<ul style="margin:0;padding-left:35.7pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">Feedback on Workshop meeting minutes [all]</li></span></font>
</ul>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Some remarks/suggestions have been received, new minutes have been circulated to MODRNA list.</span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">Philippe to circulate to all Amsterdam meeting attendees.</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">Polling vs Notification [Axel]</li></span></font>
</ul>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">CPAS seems to have eliminated the polling mode. Orange mentions that using both of polling and notification makes sense, Poland people
use them. Despite the fact polling is more difficult than push mode, more work has to be done on the specs and exchanges on this keep moving on on the list.</span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">FAPI WG feedback on MODRNA Specifications [Bjorn/John]</li></span></font>
</ul>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">For Open Banking authentication, 3 different ways are addressed: Redirect, decoupled and embedded, and 2 factor authentications occur.</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">First conclusion from FAPI is that CIBA spec could be used easily between Payment Processor (RP) and Bank (OP).The binding message could
be used in payment cases at the condition that the user enters some information in a device.</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Regarding UQ, the spec seems not wide enough. However, We can imagine the use case where the Bank is the OP towards the Point of Payment
(RP) and in this case no MNO interaction, and the bank can take the role of RP regarding questioning the user through the MNO network (OP) in a UQ use case.</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Nat mentions that in London, risk indicators will be exchanged in the back channel. </span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">global call flows are requested from FAPI, to understand the role of banks in different situations (OP, RP, …) and the potential role
of MNO. </span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">The bank will have its (out of band) authentication mean of the user.</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Questions regarding:</span></font></div>
<ul style="margin:0;padding-left:108pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;"> the notification mode: what happens if the client endpoint is down ? retries will have to occur. Some things could be optional in the general version of CIBA, and mandatory in the OB/FAPI world.</li><li style="margin-top:5pt;margin-bottom:5pt;">Binding message: comes from the main MODRNA spec. need more work for back channel. Nat: some ATMs show a QR code that is used to bind from different kinds of terminals</li></span></font>
</ul>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">These feedback is important and useful to make CIBA a more general document, an issue regarding FAPI feedback will be created in MODRNA
WG on issue tracker. </span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">John will integrate FAPI members into the list for access to the issue tracker.</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li style="margin-top:5pt;margin-bottom:5pt;">Issue Tracker [All]</li></span></font>
</ul>
<div style="margin-top:5pt;margin-bottom:5pt;padding-left:18pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Not addressed, we will review the issue list on the next call</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Best regards,</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Philippe</span></font></div>
<div style="margin-top:5pt;margin-bottom:5pt;"><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
</span></font>
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