Hello Everyone,

*Use case :*
An Oauth application supports accessing both high value and low value
resources. Say these resources are protected with two types of scopes as
highValueScope and lowValueScope respectively. User can obtain an access
token for the lowValueScope with just basic authentication and continue
accessing low value resources (Balance between security and the user
experience). Whenever the user decides to access a higher value resource
(or maybe perform a high value transaction), they indeed need to obtain
another access token with the highValueScope. As the name implies, this
scope requires a step-up authentication (OTP maybe). Thereafter, the user
is free to access either resource.

*Practical scenario :*
Banking system requesting higher levels of authentication upon performing a
transaction worth over 1 million.

*Catering this with a custom grant : *
First token would be obtained by providing the user credentials (code
grant). Once the step-up authentication (SMS OTP here) is triggered, this
would be handled by a custom grant which accepts a Bearer token (previously
obtained) and issues/validates sms otp for the user. Upon a  successful
verification only, the second access token will be issued to the
application.

*Suggestion :*
Believe that this is a common use case and the WSO2 Identity Server should
be addressing this OOTB rather than going for customizations. Which will
enable users to easily adopt any kind of authenticator we support as their
step-up option and make the process seamless as much as possible.

Appreciate your thoughts.

Cheers,
-- 

*Nipun Thathsara*
Software Engineer | WSO2

Email : [email protected]
Mobile : +94713031875
Web : http://wso2.com
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