[Openid-specs-fapi] External : Open Banking NG

Anders Rundgren anders.rundgren.net at gmail.com
Thu Oct 31 07:31:57 UTC 2019


On 2019-10-30 18:56, Suhas Chatekar via Openid-specs-fapi wrote:
> Hi Chris,
> 
> I have not gone through the CIBA spec in detail so pardon my ignorance. But why does customer have to choose which bank they are using before generating the QR code?

Hi Suhas,
That's a good question.  In the Dual-mode Open Banking API I'm working with it works like the following in an on-line scenario:

1. Read a QR code for establishing a connection to the merchant session

2. The merchant responds with a "Payment Request" including the payment methods it "understands". If the user have more than one matching method (virtual payment card) the mobile client will present a list to select from.

3. Finally you get to the payment authorization dialog which I just added to the presentation: https://cyberphone.github.io/doc/payments/dual-mode-openbanking-api.pdf#page=4

In a fully mobile on-line session, the system uses W3C's PaymentRequest which is also (ab)used for other purposes: https://cyberphone.github.io/doc/web/calling-apps-from-the-web.pdf

Regards,
Anders

> 
> Suhas
> 
> On Wed, 30 Oct 2019, 16:35 Chris Michael via Openid-specs-fapi, <openid-specs-fapi at lists.openid.net <mailto:openid-specs-fapi at lists.openid.net>> wrote:
> 
>     Hi Anders
> 
>     The OBIE example below is where all non-essential steps are removed from a redirect authentication. This solves some use cases but, as you state, is notb as good as Apple Pay, especially in a Point of Sale scenario. It would however work for an app-app (e.g. online purchase via a mobile app) scenario.
> 
>     As I am sure you are away, the CIBA standard we developed with/by FAPI WG members does allow much better UX which gets closer to Apple Pay. This is also included in the OBIE standard. However, no ASPSPs are implementing this yet, as it has not been specifically required by any regulators at this time.
> 
>     Here is a working demo of one of the 4 x supported CIBA flows
>     https://www.youtube.com/watch?v=SXiRhCAYRCE
> 
>     I like your concept below, however creating additional TPP roles may take some time for the industry to get to grips with
> 
> 
> 
>     Chris Michael
>     Head of Technology
> 
>     +44 7767 372277
>     http://www.openbanking.org.uk
>     2 Thomas More Square, London E1W 1YN
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> 
>     ________________________________________
>     From: Openid-specs-fapi <openid-specs-fapi-bounces at lists.openid.net <mailto:openid-specs-fapi-bounces at lists.openid.net>> on behalf of Anders Rundgren via Openid-specs-fapi <openid-specs-fapi at lists.openid.net <mailto:openid-specs-fapi at lists.openid.net>>
>     Sent: 30 October 2019 15:49
>     To: Financial API Working Group List
>     Cc: Anders Rundgren
>     Subject: External : [Openid-specs-fapi] Open Banking NG
> 
>     Hi FAPIers,
> 
>     This picture from OBIE shows a payment scenario that is very far from Apple Pay:
>     https://standards.openbanking.org.uk/wp-content/uploads/2019/06/4.1.1-Wireframe.png
>     Yeah, using various kinds of "workarounds and fixes" it can surely be improved, but will that really scale?
> 
>     I have updated the "Dual-mode" Open Banking API proposal which if implemented should make Open Banking payments entirely "on par" with Apple Pay but with the added advantage that it builds on A2A (Account-to-Account) transactions which also is compliant with P2P (Person-to-Person) payments:
>     https://cyberphone.github.io/doc/payments/dual-mode-openbanking-api.pdf
> 
>     To make the proposal more acceptable I have introduced an (optional) TTP role which (unlike PIS) is already known by payment professionals; the Payment Gateway.
> 
>     WDYT?
> 
>     Thanx,
>     Anders
> 
>     On 2019-10-22 07:16, Anders Rundgren wrote:
>      > A months has passed and it begins looking quite promising:
>      >
>      > https://www.linkedin.com/posts/andersrundgren_open-banking-api-saturn-my-subversive-activity-6591608038912729088-31sr
>      > Updated: https://cyberphone.github.io/doc/saturn/openbanking-api-for-saturn.pdf
>      >
>      > Anders
>      >
>      > On 2019-09-21 10:26, Anders Rundgren wrote:
>      >> This is probably not a use case people subscribed to this mailing list is particularly interested in.
>      >> However, there are a couple of reason why this is a relevant issue:
>      >> - If the bank can use the API themselves it will likely be better maintained
>      >> - If the consumer payment market rather prefers schemes like Swish, TWINT, MobilePay https://empsa.org/ , <https://empsa.org/> FAPI and similar Open Banking APIs could fall in importance
>      >>
>      >> FWIW, I have just started (yesterday...) to investigate how Open Banking APIs could work in a local scenario:
>      >> https://github.com/cyberphone/swedbank-psd2-saturn
>      >> Swedbank uses the Berlin Group API but I guess the differences (on a higher level) compared to FAPI are not that big.
>      >>
>      >> Anyway, since I'm not versed in OAuth2, I wonder if anybody out there have any ideas how to "patch" OAuth2 in such a way that an Open Banking API implementation could work in both local and remote mode without moving [too] many parts?  Local mode = trusted service not needing user consent.
>      >>
>      >> Cheers,
>      >> Anders
>      >>
>      >
> 
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