Consent Authorization

During the consent authorization process, the banks redirect customers to provide consent for API consumers to access their banking information. The process is as follows:

  1. API consumer requests to access the banking information of a customer.
  2. Bank validates the API consumer’s request.
  3. The bank redirects the requested information (containing the information the API consumer application wants to access) to the customer.
  4. The bank authenticates the customer. See below for the default login page of the consent page:

    login-consent-page

  5. A list of bank accounts and the information that the API consumer wishes to access are displayed. select accounts

  6. The customer can view the information before consenting or denying it. For example, grant consent

Following components perform the consent authorization:

Authorization endpoint

Before the API consumer application accesses the customer's banking information, the API consumer sends an authorization request to get the customer's consent for it. The authorization request contains a request object. This request object is a self-contained JWT, which helps banks to validate the API consumer.

The method of sending the authorization request can vary as follows:

  • Send the authorization details in the authorization URL

The API consumers share the request object containing the authorization details to the authorization server and obtain the authorization URL.

  • Send the authorization details as a reference in the authorization URL

The API consumers push authorization details directly to the authorization server and obtain a reference. This method is also known as Pushed Authorization. The reference is notated by the claim; request_uri. Thereby, it prevents:

  • Intruders from intercepting the authorization information sent in the request_object
  • Authorization request calls becoming bulky with the authorization details signed in the JWT

and protects the confidentiality and integrity of the authorization details when passing through an API consumer application.

Authorization web application

The API consumers obtain an authorization URL that redirects the customer to a web interface. In this web application, the customer:

  • Logs in using the login credentials.
  • Views information that the API consumer requested to access.
  • Selects the accounts that the API consumer can access.
  • Provides consent to the API consumer to access the information.

Identifier-first authenticator

Banks use Identifier-first authentication to authenticate the user with a second-factor authenticator instead of a password. The user who logs into the authorization web application, can provide the username, and authenticate using a second-factor authentication mechanism such as SMS-OTP/TOTP.

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