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<div><font face="Calibri" size="2"><span style="font-size:11pt;">Dear all,</span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;">Please find below the preliminary minutes of our call. Thank you for any update/suggestion in case of any error or misunderstanding</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>Participants</u><u> (names captured on the gotomeeting)</u><u>:</u></span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li> Bjorn Hjelm (Verizon)</li><li> Gonzalo (Telefonica)</li><li> Marianne Grima</li><li> Petteri Stenius (Ubisecure)</li><li>Philippe Clement (Orange)</li><li> Siva(GSMA)</li></span></font>
</ul>
<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></span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Roll Call</li><li>Adoption of the Agenda [Bjorn/John]</li><li>Liaisons Updates </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>GSMA [Siva]</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Working Group Updates </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>FAPI WG</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Issue Tracker </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Authentication Profile</li><li>Other</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>AOB</li></span></font>
</ul>
<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>Discussion</u></span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Roll Call</li></span></font>
</ul>
<div style="text-indent:35.4pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">See participants list</span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Adoption of the Agenda [Bjorn/John]</li></span></font>
</ul>
<div style="text-indent:35.4pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Agreed</span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Liaisons Updates </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>GSMA [Siva]</li></span></font>
</ul>
<div style="padding-left:54pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">MC discussions have begun on PSD2 requirements. These discussions are framed into the service enabler context inside the CPAS group. </span></font></div>
<div style="padding-left:54pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">PSD2 require strong authentication to be done. Specific changes are investigated like request parameters to capture the payment details at the RP. RP can specify different
parameters for the request. ID Token will be completed by other parameters, like payment_dlink_token , a Jason object (JWT) to be signed. </span></font></div>
<div style="padding-left:54pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">Banks would use MC as a second factor authentication. </span></font></div>
<div style="padding-left:54pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">For LOA4, not any more extension is scheduled for the profile, and no specific implementation for PKI.</span></font></div>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>UQ commercial requirement introduced, discussions are going on.</li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Working Group Updates </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>FAPI WG</li></span></font>
</ul>
<div style="padding-left:54pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">open banking WG On Jan 31st.</span></font></div>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Issue Tracker </li></span></font>
</ul>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Authentication Profile</li></span></font>
</ul>
<div style="padding-left:70.8pt;"><font face="Calibri" size="2"><span style="font-size:11pt;">To be discussed in presence of Jörg</span></font></div>
<ul style="margin:0;padding-left:72pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>CIBA: Capture the open issues for CIBA in a separate email, send them to the group to collect comments for the next call (Gonzalo).</li><li>Other</li></span></font>
</ul>
<ul style="margin:0;padding-left:108pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>Petteri captured the issue #62. No report of misuse so far of the questioned parameter. For other operators, seems important and want to keep the parameter. Petteri looked at the Call center and bank Use Cases in CIBA spec. Questions arose regarding the
customer care UC, and the fact another people phone number could be submitted.</li><li>Petteri requests to see more Use Cases. After reading CIBA specs, contradictions seem possible, or impossibility to achieve with the CIBA flow. (Gonzalo to check).</li><li><font face="Wingdings">ā</font> Lower the priority, keep it open, talk to John to find the best way to move it forward (Björn). </li></span></font>
</ul>
<ul style="margin:0;padding-left:36pt;">
<font face="Calibri" size="2"><span style="font-size:11pt;">
<li>AOB</li><li>Next call: continue with the authentication profile and CIBA issues</li></span></font>
</ul>
<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;">Best regards,</span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;">Philippe</span></font></div>
<div><font face="Calibri" size="2"><span style="font-size:11pt;"> </span></font></div>
</span></font>
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