edk12564 opened a new issue, #113:
URL: https://github.com/apache/fineract-consumer-facing/issues/113

   Sensitive actions (transfer, add/update beneficiary, password change) use a 
two-phase step-up: *initiate* issues a short-lived JWT, *confirm* verifies it. 
The token is pinned to one specific action via an "action fingerprint". At 
confirm, the fingerprint is recomputed from the incoming request and compared 
(`StepUpTokenService.java:91-102`).
   
   Correctness depends entirely on initiate and confirm producing 
**byte-identical** strings.
   
   The problem is that there are multiple device fingerprint check overloads. 
And each overload will produce different fingerprint strings. 
   
   We dodge this issue in Beneficiaries and Users by using a single device 
fingerprint helper that calls the same overload. However, transfers does not. 
Also, future maintainers could end up using the wrong overload, resulting in 
issues.
   
   


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