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<div dir="ltr">Bjorn and MODRNA team</div>
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<div dir="ltr">Open Banking Nigeria posted some more info below. </div>
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<div dir="ltr">Perhaps you’d like to add any comments on the FAPI link? <a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bitbucket.org_openid_fapi_issues_467_can-2Dfapi-2Dspecs-2Dsupport-2Decosystems-2Dwhere&d=DwMGaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=sskifA7gbavH_AtT2E9qOlz4s3Xup0QAb9pboXIQh0g&s=ICtYLnrqaeI2K2YtYLVaP-lvGMyBUa7BLq3TZjpwbXU&e=" target="_blank">https://bitbucket.org/openid/fapi/issues/467/can-fapi-specs-support-ecosystems-where</a></div>
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<div dir="ltr" style="-webkit-text-size-adjust: auto;">Hello Gail,</div>
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<div dir="ltr" style="-webkit-text-size-adjust: auto;">Thanks for the clarification. The perspective offered here <a href="https://bitbucket.org/openid/fapi/issues/467/can-fapi-specs-support-ecosystems-where">https://bitbucket.org/openid/fapi/issues/467/can-fapi-specs-support-ecosystems-where</a>,
if implemented, provides a solution to the challenge we envisaged. </div>
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<li>Users are able to authenticate access to their token using USSD</li><li>The AP is able to issue a token to the AC within the traditional secure band </li></ol>
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<div dir="ltr" style="-webkit-text-size-adjust: auto;">However, a few challenges still exist</div>
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<li>The limitations of USSD means that it would be difficult to implement an explicit informed consent to end users</li><li>Passwords and PIN on USSD are in the clear</li></ol>
<div>The challenges outlined above cannot be easily surmounted within the USSD stack. But we propose that the mitigation to these risks could be done via transaction limits and velocity caps.</div>
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<p dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; vertical-align: baseline; white-space: pre-wrap;">Best regards,</span></p>
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<span style="font-size: 11pt; font-family: Arial; vertical-align: baseline; white-space: pre-wrap;"><span style="border: none; display: inline-block; overflow: hidden; width: 164px; height: 68px;"><img src="https://lh6.googleusercontent.com/m9Fqm0aHPmmOUKYmL_H4NXrGcj62M5mifBbdUL_6GLlUctkjVZPTZ1kzu8m323We0_ew3K7KVN_WI7ZO07LYYnt7zNO4nQhGCCxVZQf2fft0-Iw7RQlXIBROePRsVZ7CZZv56toZ=s0" width="164" height="68" style="margin-left: 0px; margin-top: 0px;" data-unique-identifier=""></span></span></p>
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<span style="font-size: 11pt; font-family: Arial; vertical-align: baseline; white-space: pre-wrap;"> </span></p>
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<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; color: rgb(67, 67, 67); font-weight: 700; vertical-align: baseline; white-space: pre-wrap;">Adedeji Olowe</span></p>
<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 9pt; font-family: Arial; color: rgb(67, 67, 67); vertical-align: baseline; white-space: pre-wrap;">Trustee</span></p>
<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 9pt; font-family: Arial; color: rgb(67, 67, 67); vertical-align: baseline; white-space: pre-wrap;">m:
<span dir="ltr">+234 703 413 8291</span> </span></p>
<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 9pt; font-family: Arial; color: rgb(67, 67, 67); vertical-align: baseline; white-space: pre-wrap;">e:
<a href="mailto:adedeji@openbanking.ng" target="_blank">adedeji@openbanking.ng</a></span></p>
<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 9pt; font-family: Arial; color: rgb(67, 67, 67); vertical-align: baseline; white-space: pre-wrap;">w: openbanking.ng</span></p>
<p dir="ltr" style="line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 9pt; font-family: Arial; color: rgb(67, 67, 67); font-style: italic; vertical-align: baseline; white-space: pre-wrap;">the future of banking is open</span></p>
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<blockquote type="cite">On Jan 19, 2022, at 6:01 PM, Hjelm, Bjorn <bjorn.hjelm@verizonwireless.com> wrote:<br>
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<div>Gail,</div>
<div>With the modular approach to (GSMA) Mobile Connect, USSD was one of the authentication methods included (see <a href="https://www.gsma.com/identity/wp-content/uploads/2016/10/MC_high-security-authentication_Sep-16.pdf">https://www.gsma.com/identity/wp-content/uploads/2016/10/MC_high-security-authentication_Sep-16.pdf</a>).
I don't know the specific details (or assumptions) for Open Banking Nigeria but it sounds like the MNOs do play a role in the authentication process which isn't uncommon. </div>
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<div>From the MODRNA working group perspective, we're happy to support the discussions and share our knowledge. </div>
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<div dir="ltr">BR,
<div>Bjorn</div>
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<div class="gmail_quote">
<div dir="ltr" class="gmail_attr">On Wed, Jan 19, 2022 at 11:55 AM Gail Hodges <<a href="mailto:gail.hodges@oidf.org">gail.hodges@oidf.org</a>> wrote:<br>
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<p class="MsoNormal">Hi Bjorn, Nat<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">The ask arose during my conversation with Open Banking Nigeria yesterday. Open Banking Nigeria and the Nigerian government have a requirement to serve users with feature phones, that comprise 40% of their population in Nigeria, and of course
a large share of all African users. They are keen to know if FAPI is extensible to serve this population so they can offer Open Banking services to them as well.
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">I encouraged Open Banking Nigeria to join the FAPI WG calls, but perhaps both FAPI and MODRNA WGs will be relevant to them thanks to your exchange below. For noting, the FAPI WG has already raised an issue here on this ask:
<a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bitbucket.org_openid_fapi_issues_467_can-2Dfapi-2Dspecs-2Dsupport-2Decosystems-2Dwhere&d=DwMGaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=sskifA7gbavH_AtT2E9qOlz4s3Xup0QAb9pboXIQh0g&s=ICtYLnrqaeI2K2YtYLVaP-lvGMyBUa7BLq3TZjpwbXU&e=" target="_blank">
https://bitbucket.org/openid/fapi/issues/467/can-fapi-specs-support-ecosystems-where</a> I don’t know if Moderna want to link to same issue or needs their own?<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">The next step is to reconvene in 2 weeks with the leadership of Open Banking Nigeria, then have an education session with the wider Open Banking Nigeria team. I think for the next couple conversations it would be great to have a technical
volunteer or WG chair from both FAPI and MODRNA who could join these sessions. Right now, in their own words, they need to “come up the learning curve” still and these conversations will probably be necessary before they will join WGs.
<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Gail <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<div style="border-right:none;border-bottom:none;border-left:none;border-top:1pt solid rgb(181,196,223);padding:3pt 0in 0in">
<p class="MsoNormal"><b><span style="font-size:12pt;color:black">From: </span></b><span style="font-size:12pt;color:black">Openid-specs-mobile-profile <<a href="mailto:openid-specs-mobile-profile-bounces@lists.openid.net" target="_blank">openid-specs-mobile-profile-bounces@lists.openid.net</a>>
on behalf of "Hjelm, Bjorn via Openid-specs-mobile-profile" <<a href="mailto:openid-specs-mobile-profile@lists.openid.net" target="_blank">openid-specs-mobile-profile@lists.openid.net</a>><br>
<b>Reply-To: </b>bjorn_hjelm_fwd <<a href="mailto:bjorn.hjelm@verizonwireless.com" target="_blank">bjorn.hjelm@verizonwireless.com</a>><br>
<b>Date: </b>Wednesday, January 19, 2022 at 6:58 AM<br>
<b>To: </b>nat_fwd <nat@nat.consulting>, Openid-specs-mobile-profile <<a href="mailto:openid-specs-mobile-profile@lists.openid.net" target="_blank">openid-specs-mobile-profile@lists.openid.net</a>><br>
<b>Cc: </b>Dave Tonge <<a href="mailto:dave.tonge@moneyhub.com" target="_blank">dave.tonge@moneyhub.com</a>>, Joseph Heenan <<a href="mailto:joseph.heenan@fintechlabs.io" target="_blank">joseph.heenan@fintechlabs.io</a>><br>
<b>Subject: </b>Re: [Openid-specs-mobile-profile] [E] Re: MODRNA WG @ Tue Jan 18, 2022 preliminary minutes<u></u><u></u></span></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal">Nat, <u></u><u></u></p>
<div>
<p class="MsoNormal">Yes, USSD is used by MNOs and one of the authentication methods for Mobile Connect. We would be happy to include this topic in our discussion if you would be able to attend and present the use case.<u></u><u></u></p>
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<p class="MsoNormal"><br clear="all">
<u></u><u></u></p>
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<p class="MsoNormal">BR, <u></u><u></u></p>
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<p class="MsoNormal">Bjorn<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal">On Wed, Jan 19, 2022 at 5:13 AM Nat Sakimura <nat@nat.consulting> wrote:<u></u><u></u></p>
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<p class="MsoNormal">Thanks for the update and sorry for missing the call. It starts at midnight for me and hopefully you understand.
<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal">This morning I got a request from Africa asking for the support of ussd as a substrate protocol. I've been using ussd as part of the payment protocols and so forth in Africa but I have very limited knowledge of it from the technical point
of view. Although the request has come to the FAPI WG, I suppose the most expert knowledge resides in Modrna working group. <u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal">Let me know of your gut feeling about the potentials. <u></u><u></u></p>
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<div>
<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal">Best regards,<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><u></u> <u></u></p>
</div>
<div>
<p class="MsoNormal">Nat sakamura<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
<div>
<div>
<p class="MsoNormal">2022<span style="font-family:"MS Gothic"">年</span>1<span style="font-family:"MS Gothic"">月</span>19<span style="font-family:"MS Gothic"">日</span>(<span style="font-family:"MS Gothic"">水</span>) 0:56 <<a href="mailto:philippe.clement@orange.com" target="_blank">philippe.clement@orange.com</a>>:<u></u><u></u></p>
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<blockquote style="border-top:none;border-right:none;border-bottom:none;border-left:1pt solid rgb(204,204,204);padding:0in 0in 0in 6pt;margin-left:4.8pt;margin-right:0in">
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<div>
<p class="MsoNormal">Dear all,<u></u><u></u></p>
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<div>
<p class="MsoNormal">Please find below the preliminary minutes of our MODRNA call on Tue Jan 18, 2022., and let me know of any error or misunderstanding<u></u><u></u></p>
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<div>
<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">Roll Call</span><u></u><u></u></p>
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<div>
<p class="MsoNormal">Bjorn Hjelm (Verizon), Philippe Clément, Joseph Heenan (Authlete OIDF), Mike Leszcz, Dave Tonge,
<u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">Adoption of the Agenda [Bjorn/John]</span><u></u><u></u></p>
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<div>
<p class="MsoNormal">Agreed.<u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">External Organizations</span><u></u><u></u></p>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-top:6pt">GSMA<u></u><u></u></li></ul>
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<p class="MsoNormal">No update nor feedback, about ZenKey presentation<u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">Events</span><u></u><u></u></p>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-top:6pt;margin-bottom:5pt"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.rsaconference.com_usa&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=edAAK3MaOKNjugf5UWLEI5yFtl4YWn-2u_hsB3vm46g&e=" target="_blank">RSA</a>,
Feb. 7-10, 2022 – June 6-9<u></u><u></u></li></ul>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">Specification Status</span><u></u><u></u></p>
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<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-top:5pt;margin-bottom:5pt"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__xml2rfc.tools.ietf.org_cgi-2Dbin_xml2rfc.cgi-3Furl-3Dhttps-3A__bitbucket.org_openid_mobile_raw_master_openid-2Dconnect-2Dmodrna-2Dclient-2Dinitiated-2Dbackchannel-2Dauthentication-2Dprofile-2D1-5F0.xml-26modeAsFormat-3Dhtml-252Fascii-26type-3Dascii-26Submit-3DSubmit&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=7J0XeEiYk_N0AyXWxof7EQYTPoDT0SjKShtPxvFmsgs&e=" target="_blank">MODRNA
CIBA Profile</a><u></u><u></u></li></ul>
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<p class="MsoNormal">Dave posted a draft PR (see issue below). <u></u><u></u></p>
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<div style="margin-top:12pt">
<p class="MsoNormal"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__openid.net_certification_&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=JGBY0HwDoZ4gTQOlfwyh4TaAE_W7_xPvORIU_ZOAcW8&e=" target="_blank"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif">OpenID
Certification</span></a><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)"> for MODRNA</span><u></u><u></u></p>
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<p class="MsoNormal">Joseph, Mike: investigations to see how to start a certification for MODRNA. Other tasks scheduled in Q1 on FAPI CIBA.
<u></u><u></u></p>
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<ul type="disc">
<li class="MsoNormal">Bjorn to reach out to Hubert for Orange position regarding certification and questioning API.<u></u><u></u></li><li class="MsoNormal">Bjorn to ask to Mike if ZenKey can participate in the certification program<u></u><u></u></li></ul>
<div style="margin-top:12pt">
<p class="MsoNormal"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bitbucket.org_openid_mobile_issues-3Fstatus-3Dnew-26status-3Dopen&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=dHFZ5BFg-PBN9KrmMcy4LAjDDijJAxCyfAYcjZYgM70&e=" target="_blank"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif">Issue
Tracker</span></a><u></u><u></u></p>
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<div style="margin-top:5pt;margin-bottom:5pt">
<p class="MsoNormal">Dave created a PR (<a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bitbucket.org_openid_mobile_pull-2Drequests_17_fix-2Dreferences&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=dnECW9Wi2Gkhxtt58Jiv8MUTcB3Ruv1kSxCua5wgFL4&e=" target="_blank">https://bitbucket.org/openid/mobile/pull-requests/17/fix-references</a>)
for following issue:<u></u><u></u></p>
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<div style="margin-top:5pt;margin-bottom:5pt">
<p class="MsoNormal"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bitbucket.org_openid_mobile_issues_207_normative-2Dreference-2Dnot-2Din-2Dspecification&d=DwMFaQ&c=udBTRvFvXC5Dhqg7UHpJlPps3mZ3LRxpb6__0PomBTQ&r=NMZJHCV8pjvGIH2fTx9z6l7g7-V-a2xW7ISf9uHdz0A&m=Mk8JJdwesFQk7HBX6vtfKcp0mDM_3mRPYzxLaTHr_ts&s=Cd8Cc63y-u_NSm0UtQuS98qGbZTudra10IWYeAaxohc&e=" target="_blank">#207:
Normative reference not in specification body</a><u></u><u></u></p>
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<div style="margin-top:5pt;margin-bottom:5pt">
<p class="MsoNormal">We can remove the reference because it is covered in the core spec.<u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:16pt;font-family:"Calibri Light",sans-serif;color:rgb(47,84,150)">AOB</span><u></u><u></u></p>
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<p class="MsoNormal">NOB<u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Best regards,<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal">Philippe<u></u><u></u></p>
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<pre><u></u> <u></u></pre>
<pre>Ce message et ses pieces jointes peuvent contenir des informations confidentielles ou privilegiees et ne doivent donc<u></u><u></u></pre>
<pre>pas etre diffuses, exploites ou copies sans autorisation. Si vous avez recu ce message par erreur, veuillez le signaler<u></u><u></u></pre>
<pre>a l'expediteur et le detruire ainsi que les pieces jointes. Les messages electroniques etant susceptibles d'alteration,<u></u><u></u></pre>
<pre>Orange decline toute responsabilite si ce message a ete altere, deforme ou falsifie. Merci.<u></u><u></u></pre>
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<pre>This message and its attachments may contain confidential or privileged information that may be protected by law;<u></u><u></u></pre>
<pre>they should not be distributed, used or copied without authorisation.<u></u><u></u></pre>
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