> On 8. Jul 2020, at 18:17, Neil Madden <[email protected]> wrote:
> 
> On 8 Jul 2020, at 15:40, Justin Richer <[email protected]> wrote:
>> 
>> The two-phase approach is exactly what OBUK does, where you get one access 
>> token using client credentials before getting a more specific one in context 
>> of the user’s consent. This ends up being awkward to implement at best, 
>> since OAuth involves the user too early in the process to allow for this 
>> kind of thing. PAR might help address this dichotomy, but RAR can provide 
>> places for this to fill in.
> 
> I’m not sure how client credentials would help here. The point I’m making is 
> that the _user_ needs to consent to two separate things:
> 
> 1. An initial consent to allow this app/service to initiate payment requests 
> on my behalf.

What in particular should the use consent with in this step?

> 2. Consent to individual transactions.
> 
> RAR (and open banking?) completely omits step 1 at the moment, which seems 
> crucial. Especially if you’re doing something like CIBA backchannel where 
> step 1 is effectively consent for this app to spam my phone with payment 
> approval requests.
> 
>> 
>> With XYZ, I tried to design for that kind of multi-stage transaction pattern 
>> more explicitly, with the idea that you could continue your request in 
>> context and vary it over time, or even start a new request in the context of 
>> an existing one. This is something that I intend to continue with the 
>> soon-to-be-formed GNAP working group, if you want to bring this use case 
>> there.
> 
> RAR is adopted by the OAuth WG so I think this needs to be discussed here.
> 
> — Neil
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