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FAPI WG Meeting Notes (2020-10-28)

The meeting was called to order at 14:03 UTC.

1.   Roll Call

  • Attending:
    • Bjorn Hjelm (Verizon)
    • Brian Campbell
    • Dave Tonge
    • Dima Postnikov
    • Don Thibeau
    • Francis Pouatcha (adorsys)
    • Joseph Heenan (Authlete)
    • Kosuke Koiwai (KDDI)
    • Nat Sakimura (NAT.Consulting)
    • Stuart Low
    • Takahiko Kawasaki (Authlete)
    • Dima Postnikov
  • Regrets: Daniel
  • Guest:

2.   Adoption of Agenda (Nat)

  • Events
  • External organizations
  • PRs
  • Issues

3.   Events

3.1.   IIW (Nat)

  • Was SSI focused
  • Few sessions about OAuth, OpenID Connect
  • Daniel presented session on threat model
  • Tobias and Christina made presentation about SIOP
  • Mostly about DIDs and VCs
  • Now over > 70 DID methods, might be cause for concern

3.2.   FDX/OIDF (Don)

  • There will be Keynote at OIDF Workshop today focused on FAPI with panelists (Nat Sakimura, Don Cardinal, Anoop Saxena)
  • Looks at practical next steps forward
  • Serve members by avoiding duplication of efforts in regards to how FDX uses FAPI and current requirements for people to become members of both orgs
  • Set closer collaboration for FAPI 2.0 with FDX

3.3.   APIDays London (Dave)

  • 10/27 - 10/28
  • Dave gave a talk.
  • A vendor gave FAPI Workshop. Akana.

4.   External Organizations

4.1.   Berlin Group (Francis)

https://www.berlin-group.org/single-post/press-release-berlin-group-starts-new-openfinance-api-framework

  • Taskforce: Banks only. Now other FIs including insurance.
  • Advisory board: Francis sits here.
  • Published open findings of the framework
  • Berlin Group Next Gen
  • Tool is renamed to Open Finance RP Framework
  • Broadening the scope beyond banking to include financial assets , bankable assets
  • Berlin group is structured into 2 main groups,
    • task force, was limited to banks, now open for insurances and all financial institutes
    • Advisory board, constituted of the markets
      • Francis is a member
      • Will be renamed to Open Finance Advisory Board, includes service providers, TPPs, and other market players
    • Press releases coming out
    • Francis will keep track
    • Going towards sharing more than just banking data
    • Still have problem of authorization and API mixed into single interface
      • Francis putting pressure to split it
      • FAPI can be reused for other areas instead of reinventing everything
    • Don asked if OIDF can be member or observer of board
      • Francis will address this with 2 chairs
    • Board has quarterly meetings
      • Members elect 10 board members
      • OIDF can join as member now and be eligible for board for 2021-2022 term
      • Francis will invite Don to the next session
    • Francis asked if OIDF proposed liaison agreement to Berlin group
      • Agreement was proposed earlier pre-Covid, still no response
      • Francis will attempt to get agreement through the board instead of task force
      • Don volunteered Torsten to join discussions

4.2.   ETSI (Dave)

  • OBE signature profile coming out.
  • They did not accept base64url encode payload proposal.
  • OBE talking about detached signatures, and RFC 7797 encodes the payload but OBE signing digest headers only
  • WG has a working document regarding requirements for signing compile dby Joseph
  • WG decided to make draft for non-repudiation
  • Will need initial draft for adoption
  • Stuart asked if we should have a separate profile for non-repudiation or make it part of FAPI 2.0
  • Might be better to have a profile that can be referenced from FAPI 2.0
  • Brian suggested to keep it simple and prevent scope creep.
  • Current available signing standards don’t seem to meet requirements or still work in progress
  • Dave, Francis, and Brian will be coming up with a signature draft for the WG to consider.

4.3.   Australia (Stuart)

Consent revocation proposal adds a lot of complexity. There is no standards to built upon.

  • https://github.com/ConsumerDataStandardsAustralia/standards-maintenance/issues/247

  • Big 4 banks and recipients going into Phase 2 of consumer data sharing

    • Includes new products

    • Tweaks to information security profile

    • Joint accounts

    • Still finalizing consultation, looks very complex

      • No existing technical standards available to achieve goals
        • Intermediaries
        • Cascading consents (communicating consents via third parties)
    • OAC conformance testing

      • Joseph has CDR version of test on production and certification
    • Joseph still finalizing Australian response letter

      • Still don’t know where to send it
      • Might be better to do open letter and CC the chair

5.   PRs (Dave/Nat)

  • issue #330 - potentially misleading language WRT JWT ATs - language is confusing

    • Suggested removing "opaque"
    • Intent is tat AT is not to be consumed by clients
    • remove "opaque" and reword note, make it similiar to RFC 6749 language that AT is usually opaque to clients
    • No PR yet
  • issue #317

    • Reassigned to Dave

6.   AOB

The meeting was adjourned at 15:00 UTC.

Updated