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</o:shapelayout></xml><![endif]--></head><body lang=JA link="#0563C1" vlink="#954F72" style='text-justify-trim:punctuation'><div class=WordSection1><h1 style='mso-margin-top-alt:0mm;margin-right:0mm;margin-bottom:7.5pt;margin-left:0mm;background:white'><span lang=EN-US style='font-size:11.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><o:p> </o:p></span></h1><h1 style='mso-margin-top-alt:0mm;margin-right:0mm;margin-bottom:7.5pt;margin-left:0mm;background:white'><span lang=EN-US style='font-size:18.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'>FAPI WG Meeting Notes (2016-08-17)<o:p></o:p></span></h1><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word;font-variant-ligatures: normal;font-variant-caps: normal;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Date & Time: 2016-08-17 14:00 UTC (07:00 PDT, 16:00 Denmark, 23:00 JST)<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word;font-variant-ligatures: normal;font-variant-caps: normal;orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;word-spacing:0px'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Location: GoToMeeting<span class=apple-converted-space> </span><a href="https://global.gotomeeting.com/join/321819862"><span style='color:#3572B0'>https://global.gotomeeting.com/join/321819862</span></a><o:p></o:p></span></p><p class=topic-title style='margin:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Agenda<o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-roll-call" id=rst-header-id1><span style='color:#3572B0'>1. Roll Call</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-adoption-of-the-agenda" id=rst-header-id2><span style='color:#3572B0'>2. Adoption of the Agenda</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-result-of-document-restructuring-editor-s-draft-00" id=rst-header-id3><span style='color:#3572B0'>3. Result of Document Restructuring -- Editor's Draft 00</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-external-org-relationships" id=rst-header-id4><span style='color:#3572B0'>4. External Org Relationships</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-uk-groups" id=rst-header-id5><span style='color:#3572B0'>4.1. UK Groups</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-tc68" id=rst-header-id6><span style='color:#3572B0'>4.2. TC68</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-x9" id=rst-header-id7><span style='color:#3572B0'>4.3. X9</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-danske-bank" id=rst-header-id8><span style='color:#3572B0'>4.4. 4.4. Danske Bank</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-other-action-items" id=rst-header-id9><span style='color:#3572B0'>4.5. Other action items</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-new-open-issues" id=rst-header-id10><span style='color:#3572B0'>5. New & Open Issues</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-error-report-coding-sascha" id=rst-header-id11><span style='color:#3572B0'>5.1. Error report coding (Sascha)</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level1 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-aob" id=rst-header-id12><span style='color:#3572B0'>6. AOB</span></a><o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l1 level2 lfo1;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:"Courier New";color:#333333'><span style='mso-list:Ignore'>o<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-next-call" id=rst-header-id13><span style='color:#3572B0'>6.1. Next Call</span></a><o:p></o:p></span></p><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id1"><span style='color:#3572B0'>1. Roll Call</span></a><o:p></o:p></span></h2><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Nat Sakimura, Sascha Preibisch, Paul Grassi, Henrik Biering, Nov Matake, John Bradley. Regrets from Anoop and Edmund.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id2"><span style='color:#3572B0'>2. Adoption of the Agenda</span></a><o:p></o:p></span></h2><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l2 level1 lfo2;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'>adopted.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id3"><span style='color:#3572B0'>3. Result of Document Restructuring -- Editor's Draft 00</span></a><o:p></o:p></span></h2><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Nat explained about the restructuring of the Working Draft clause by clause. Current state can be seen at:<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/wiki/Editors-Draft-00"><span style='color:#3572B0'>https://bitbucket.org/openid/fapi/wiki/Editors-Draft-00</span></a><o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Note that the section structures are according to the ISO Directive Part 2.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#707070'>ASK: Please start reviewing the document and file bugs/proposals in the issue tracker.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Sascha asked about the security of public client. Nat pointed out that it is covered in the requirements in 5.2.2.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>John pointed out that BCP NAPPS does not cover device attestation.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Action:<o:p></o:p></span></p><div style='mso-element:para-border-div;border:solid #CCCCCC 1.0pt;padding:4.0pt 8.0pt 4.0pt 8.0pt;background:whitesmoke'><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm;border-radius: 3px;overflow-x: auto;word-wrap: normal'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>Add line about device attestation to 5.2.2.<o:p></o:p></span></pre></div><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id4"><span style='color:#3572B0'>4. External Org Relationships</span></a><o:p></o:p></span></h2><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id5"><span style='color:#3572B0'>4.1. UK Groups</span></a><o:p></o:p></span></h3><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Dave reported via email [1] that we may want to establish liaison relationship with the implementation entity [2].<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#707070'>The participants agreed that we should do both, following Dave's advice.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Action:<o:p></o:p></span></p><div style='mso-element:para-border-div;border:solid #CCCCCC 1.0pt;padding:4.0pt 8.0pt 4.0pt 8.0pt;background:whitesmoke'><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm;border-radius: 3px;overflow-x: auto;word-wrap: normal'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>* Nat to consult with Dave and follow up with both group<o:p></o:p></span></pre></div><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>[1] <<a href="http://lists.openid.net/pipermail/openid-specs-fapi/2016-August/000036.html"><span style='color:#3572B0'>http://lists.openid.net/pipermail/openid-specs-fapi/2016-August/000036.html</span></a>><o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>[2] Implementation Entity: <<a href="http://www.paymentsuk.org.uk/policy/payments-CMA-remedy-phase1/temporary"><span style='color:#3572B0'>http://www.paymentsuk.org.uk/policy/payments-CMA-remedy-phase1/temporary</span></a>><o:p></o:p></span></p><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id6"><span style='color:#3572B0'>4.2. TC68</span></a><o:p></o:p></span></h3><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Nat reported the result of the meeting with Bank of Japan, which is the secretariat of the TC68 JP NB. TC68 is currently going under the reorganization. The proposal is to close SC4 and SC7 and create two new SCs "Reference Data SC" and "Information Exchange SC". Current SC2 "Security" will remain.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>As such, FAPI works will span multiple SCs and thus the liaison should be set up at the TC level, i.e., Category A Liaison.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>We were advised that the current secretary of TC is Ms. Janet Busch and format and FAPI WG should get in touch with her on this matter.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#707070'>Participants agreed to proceed.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Action:<o:p></o:p></span></p><div style='mso-element:para-border-div;border:solid #CCCCCC 1.0pt;padding:4.0pt 8.0pt 4.0pt 8.0pt;background:whitesmoke'><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm;border-radius: 3px;overflow-x: auto;word-wrap: normal'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>* Paul to provide the introduction to Janet.<o:p></o:p></span></pre><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>* Nat to follow it up from there.<o:p></o:p></span></pre></div><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>[3] ISO/TC 68 Financial Services <<a href="http://www.iso.org/iso/iso_technical_committee?commid=49650"><span style='color:#3572B0'>http://www.iso.org/iso/iso_technical_committee?commid=49650</span></a>><o:p></o:p></span></p><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id7"><span style='color:#3572B0'>4.3. X9</span></a><o:p></o:p></span></h3><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Paul Grassi talked about a possible liaison with X9 [4]<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>[4] X9 Financial Industry Standards <<a href="http://x9.org/"><span style='color:#3572B0'>http://x9.org/</span></a>>.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>X.9 AB23, CNP fraud. WG just started. Conversations turned towards security best practices. Deliverable is TR for best practice.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#707070'>More detailed text will be provided by Paul on this issue.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Significant interest from the WG in learning more about our work is there that they are going to talk about it next Tuesday again. We probably should set up a liaison relationship with them as well.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>John pointed out that they may be interested in Modrna work, Back channel authentication request, as well. This is essentially transaction authorization.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Paul told that X.9 AB23 is looking at Fido about it as well. John pointed out that Modrna work is not only for phones but server to server as well, which is the difference to Fido.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Paul also explained the problem of current online credit card transactions that users a required to provide only the credit card number and CVV digits etc., which is not really an authentication. They are interested in finding solution for this problem.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>John pointed out that there is 3D secure for it, which has not been adopted widely due to usability issue and resultant customer drop outs. Nat pointed out that it probably is not a technical issue but the execution as PayPal, Amazon pay, etc. are similar to 3D secure, but they are successful.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#707070'>Participants agreed that we should proactively send liaison request to X.9<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Action:<o:p></o:p></span></p><div style='mso-element:para-border-div;border:solid #CCCCCC 1.0pt;padding:4.0pt 8.0pt 4.0pt 8.0pt;background:whitesmoke'><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm;border-radius: 3px;overflow-x: auto;word-wrap: normal'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>* Paul will make introduction to Janet.<o:p></o:p></span></pre><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>* Nat to follow up from there.<o:p></o:p></span></pre></div><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id8"><span style='color:#3572B0'>4.4. 4.4. Danske Bank</span></a><o:p></o:p></span></h3><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Henrik is still waiting the response from Danske Bank, who is a member of OBDG.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Henrik then described the p2p, p2b payments in Denmark.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Danske Bank Mobilepay makes embedded use of MasterCard, Visa etc. for the purpose of p2p and p2b payment and it is costing them a lot in card handling fees. Hence they look forward to PSD2 account access. Mobilepay accounts that have not been validated using the Danish eID (NemID) are subject to transfer limitations determined by the banking authority. Once a user account has been validated by NemID these limits are increased.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Some information in English on Danske Bank's Mobilepay is here:<o:p></o:p></span></p><ul type=disc><li class=MsoNormal style='color:#333333;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:left;line-height:15.0pt;mso-list:l4 level1 lfo3;background:white;word-wrap: break-word'><span lang=EN-US><a href="http://mobilepay.dk/da-dk/Pages/The-story-in-English.aspx"><span style='color:#3572B0'>http://mobilepay.dk/da-dk/Pages/The-story-in-English.aspx</span></a><o:p></o:p></span></li><li class=MsoNormal style='color:#333333;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:left;line-height:15.0pt;mso-list:l4 level1 lfo3;background:white;word-wrap: break-word'><span lang=EN-US><a href="https://github.com/DanskeBank/MobilePay-AppSwitch-SDK"><span style='color:#3572B0'>https://github.com/DanskeBank/MobilePay-AppSwitch-SDK</span></a><o:p></o:p></span></li></ul><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>All the remaining 71 Danish bank corporations (i.e. everyone EXCEPT Danske Bank) have jointly developed an API for accessing user accounts at each other and market this solution under the common brand SWIPP. But it has been significantly outperformed by Mobilepay in terms of both users and transactions.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id9"><span style='color:#3572B0'>4.5. Other action items</span></a><o:p></o:p></span></h3><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l3 level1 lfo4;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#707070'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#707070'>Nat to draft liaison requests<o:p></o:p></span></p><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l3 level1 lfo4;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#707070'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#707070'>Anoop to follow up with Intuit UK Team (Next week)<o:p></o:p></span></p><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id10"><span style='color:#3572B0'>5. New & Open Issues</span></a><o:p></o:p></span></h2><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Nat went over recently updated issues. Specifically,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/13/tls-10-should-be-banned" title="TLS 1.0 should be banned"><span style='color:#3572B0'>#13</span></a>,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/23/how-do-i-find-accountid-to-use-in-transfer" title="How do I find AccountID to use in transfer?"><span style='color:#3572B0'>#23</span></a>,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/17/incomplete-sentence-in-line-with-ffiec" title="Incomplete sentence "In line with FFIEC (Federal Financial Institutions Examination Council) guidance on Authentication to mitigate security risks.""><span style='color:#3572B0'>#17</span></a>,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/20/meaning-of-the-surrogate-identifier-clause" title="Meaning of the Surrogate Identifier Clause not clear"><span style='color:#3572B0'>#20</span></a>,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/22/undefined-oauth-response-parameter-user_id" title="Undefined OAuth response parameter "user_id" appears in the text"><span style='color:#3572B0'>#22</span></a>,<span class=apple-converted-space> </span><a href="https://bitbucket.org/openid/fapi/issues/16/client-authentication-do-we-need-tls" title="Client Authentication -- Do we need TLS mutual authentication?"><span style='color:#3572B0'>#16</span></a>.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/issues/13/tls-10-should-be-banned" title="TLS 1.0 should be banned"><span style='color:#3572B0'>#13</span></a>: TLS 1.0 should be banned<o:p></o:p></span></p><p class=MsoNormal style='margin-left:36.0pt;line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Participants agreed that at the minimum, TLS 1.2 should be required.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/issues/23/how-do-i-find-accountid-to-use-in-transfer" title="How do I find AccountID to use in transfer?"><span style='color:#3572B0'>#23</span></a>: How do I find AccountID to use in transfer?<o:p></o:p></span></p><p class=MsoNormal style='margin-left:36.0pt;line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Resolved by the Anoop's reply.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/issues/17/incomplete-sentence-in-line-with-ffiec" title="Incomplete sentence "In line with FFIEC (Federal Financial Institutions Examination Council) guidance on Authentication to mitigate security risks.""><span style='color:#3572B0'>#17</span></a>: Incomplete sentence "In line with FFIEC (Federal Financial Institutions Examination Council) guidance on Authentication to mitigate security risks."<o:p></o:p></span></p><p class=MsoNormal style='margin-left:36.0pt;line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Resolved by the Anoop’s reply.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/issues/20/meaning-of-the-surrogate-identifier-clause" title="Meaning of the Surrogate Identifier Clause not clear"><span style='color:#3572B0'>#20</span></a>: Meaning of the Surrogate Identifier Clause not clear<o:p></o:p></span></p><p class=MsoNormal style='margin-left:36.0pt;line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Needs further discussion. Will be treated next week.<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'><a href="https://bitbucket.org/openid/fapi/issues/22/undefined-oauth-response-parameter-user_id" title="Undefined OAuth response parameter "user_id" appears in the text"><span style='color:#3572B0'>#22</span></a>: Undefined OAuth response parameter "user_id" appears in the text<o:p></o:p></span></p><p class=MsoNormal style='margin-left:36.0pt;line-height:15.0pt;background:white'><span lang=EN-US style='color:#333333'>Needs further discussion.<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Action:<o:p></o:p></span></p><div style='mso-element:para-border-div;border:solid #CCCCCC 1.0pt;padding:4.0pt 8.0pt 4.0pt 8.0pt;background:whitesmoke'><pre style='margin-top:7.5pt;background:whitesmoke;border:none;padding:0mm;border-radius: 3px;overflow-x: auto;word-wrap: normal'><span lang=EN-US style='font-size:9.0pt;font-family:Consolas;color:#333333'>All members were asked to review issues on the tracker and comment if necessary.<o:p></o:p></span></pre></div><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id11"><span style='color:#3572B0'>5.1. Error report coding (Sascha)</span></a><o:p></o:p></span></h3><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Unfortunately, Sascha had to drop off just before getting to this topic, so we will cover it in the next call or the one after, and on the list.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-size:15.0pt;font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id12"><span style='color:#3572B0'>6. AOB</span></a><o:p></o:p></span></h2><h3 style='mso-margin-top-alt:15.0pt;margin-right:0mm;margin-bottom:0mm;margin-left:42.0pt;margin-bottom:.0001pt;background:white'><span lang=EN-US style='font-family:"Arial",sans-serif;color:#333333;font-weight:normal'><a href="https://bitbucket.org/openid/fapi/wiki/FAPI_Meeting_Notes_2016-08-17#rst-header-id13"><span style='color:#3572B0'>6.1. Next Call</span></a><o:p></o:p></span></h3><p class=MsoNormal align=left style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0mm;text-align:left;text-indent:-18.0pt;line-height:15.0pt;mso-list:l0 level1 lfo5;background:white'><![if !supportLists]><span lang=EN-US style='font-size:10.0pt;font-family:Symbol;color:#333333'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span lang=EN-US style='color:#333333'>2016-08-23 23:00 UTC (16:00 PDT, 01:00+1d Denmark, 08:00+1d JST)<o:p></o:p></span></p><p style='mso-margin-top-alt:7.5pt;margin-right:0mm;margin-bottom:0mm;margin-left:0mm;margin-bottom:.0001pt;line-height:15.0pt;background:white;word-wrap: break-word'><span lang=EN-US style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#333333'>Meeting was adjourned at 2016-08-17 15:00 UTC<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US style='font-size:10.0pt'><o:p> </o:p></span></p><p class=MsoNormal align=left style='text-align:left'><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic"'>--<o:p></o:p></span></p><p class=MsoNormal align=left style='text-align:left'><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic"'>PLEASE READ :This e-mail is confidential and intended for the<o:p></o:p></span></p><p class=MsoNormal align=left style='text-align:left'><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic"'>named recipient only. If you are not an intended recipient,<o:p></o:p></span></p><p class=MsoNormal align=left style='text-align:left'><span lang=EN-US style='font-size:10.0pt;font-family:"MS Gothic"'>please notify the sender and delete this e-mail.<o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p></div></body></html>