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FAPI WG Meeting Notes (2022-06-22)

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

1.   Roll Call (Nat/Dave)

  • Attending: (In the room) Nat Sakimura, Dave Tonge, Riifaat Shekh-Yusef, Domingos Creado, Don Thibeau, Mike Leszcz, Tatsuo Kudo, Joseph Heenan

** Remotely: Ali Adnan, Daniel Fett, Dima, Gail Hodges, Jacob Ideskog, Takahiko Kawasaki, Bjorn Hjelm

  • Regrets:
  • Guest:

3.   Events (Dave)

3.1.   Identiverse (Mike)

  • F2F FAPI meeting Wednesday 6/22 normal meeting time (8AM local time) in Summit 2 room.
  • Remote attending available via normal GotoMeeting conference link.
  • Nat, Joseph, Mike, Riffat, Dave, Brian
  • There will be an Open Banking Discussion Panel

3.2.   IETF 114

July 23-29, 2022. Philadelphia, USA

https://www.ietf.org/how/meetings/114/

Some works being discussed : * SD-JWT (selective disclosure JWTs) * Multi-subject JWTs

3.3.   IIW

Nov. 15 - 17

3.5.   Authenticate Seattle

Oct. 17 - 20

Mike and Gail will attend

3.6.   FDX Meeting

Oct. 17 -19 @ Dallas

3.7.   IETF 115 London

5 Nov 2022 - 11 Nov 2022

3.8.   Money 2020 Las Vegas

End of October in Las Vegas

Big Payments conference

3.9.   Identity Week Asia

September 6-7 2022

https://www.terrapinn.com/exhibition/identity-week-asia/index.stm

Nat will be speaking about Open Banking

5.   External Organizations (Nat)

5.1.   Australia (Mike L.)

  • Sorting out contractual issues for security analysis.
  • Australia will fund their part of their security proof work from July to end of Sept
  • Review of model approach in mid-July to share concerns/issues with proof work

5.2.   Brazil (Mike L.)

  • Open Insurance (66 orgs) certification in August.
  • Open Banking recertification (approx 200) from Sept. till Dec. 13.
    • DCR certification required.

5.4.   Canada (Gail)

  • Three calls by now to address their questions.
  • Making an introduction to thought leaders.
  • Vittorio and Riffaat meeting next Monday.

5.6.   FDX (Rifaat/Joseph)

  • Process of reviewing FAPI security profile internally going on.
  • Some documents they want to work on security and step-up authentication.

5.7.   GAIN (Dima/Joseph)

  • GAIN presentation / meeting 11 AM and 1 PM today at Summit 2.

5.8.   IETF OAuth WG (Rifaat)

Current draft agenda ideas

  • OAuth 2.1
  • Browser-based application
  • Step up authentication
  • GitHub and token theft
  • Multi-subject JWT
  • SD-JWT
  • Security BCP
  • DPoP

5.9.   ISO/TC68 (Nat/Dave)

  • New working group is setup for Natural Person Identifier convened by Patrick Curry, maybe relevant to eKYC group

5.10.   The Middle East and North Africa (Mike L.)

  • Meeting with Open Banking Saudi Arabia (SAMA/Central bank) on June 21 at Identiverse.
    • Discussed FAPI 1 vs 2.0
    • Conformance and certification
    • Exploring different certification models
  • Another meeting is scheduled for 9 AM tomorrow @ Summit 2.
  • DFC call next week to discuss SAMA progress.

5.12.   New Zealand (Gail)

  • Call on June 15. to discuss FAPI and 3rd party certification.
  • NZ Gov working towards consumer data rights legislation to be published later this year.
  • After that, third-party certifications could come in.

5.13.   Nigeria (Mike)

  • They were not prepared to review USSD use cases at this time.
  • Having a follow-up in July.
  • They have legislation policy from the central bank but it’s not very detailed yet.

6.   Whitepaper (Dima)

  • White paper (draft) https://docs.google.com/document/d/176au5lZcR0vHbQG43wE7pZr7PBgVd7O7AqAzb6rqDzU/edit
  • Would like more feedback
  • Health and Global Interoperability Paper will take same approach
  • The goal is to get the papers into a Implementer’s draft via community feedback
  • Work on the English phrasing so points are clear
  • Use whitepaper to invite a wider community for feedback discussions
  • Papers will be presented at the Identiverse panel for comments

7.   Specs (Dave)

7.1.   Grant Management (Dima)

  • There are now a couple of PRs and Issues.
  • Couple of issues left before going to implementer's draft.

7.3.   FAPI 2 Attack, Baseline and Advanced (Daniel)

  • Name change PR etc. is yet to be created.

7.4.   JARM (Dave)

7.5.   Addressing "User Interface Hijack attack" in FAPI 2? (Nat)

8.   PRs (Dave)

8.1.   To be merged

8.2.   Under discussion

  • PR #322 – Pull in key management clauses
    • Pull in language from FAPI 1 regarding jwks_uris
  • PR #315 - FAPI2 iss + JARM
    • Added clarifying text for returning iss when using JARM
  • PR #342 – No Authorization Response encryption is required
    • Need feedback from Ralph.
  • PR #343 - Change name from baseline to security profile
    • Remove Financial-grade from the name and just use FAPI
    • Change the Baseline name to Security Profile and add references to other specs.
    • The text “we recommend” feels informal.

9.   Issues (Dave)

9.1.   #496 clock sync and FAPI2 baseline (Jacob/Dave)

Three Options:

  1. jti
    • jti approach will introduce a large skew.
  2. challenge
    • Challenge is the most secure but needs a new spec.
  3. HTTP date header
    • HTTP header may be good but will need to explicitly mention that it wont prevent pre-generation of assertions
    • Client resends assertion after seeing error and checking the date header

10.   AOB (Dave)

  • none

The call adjourned at 15:59 UTC

Updated