Beyond PSD2 for a Better Open Banking Expereince

PSD2 is acting as a catalyst in the digital transformation happening in the Banking industry. While meeting the compliance requirements of PSD2, financial institutes are excited to make use of the new business models and opportunities opened by this laid foundation. More the customers and partners we can reach, more the business activities and more the revenue. Making the banking functions more accessible and reactive will be a key enabler to provide a seamless experience to these parties, including internal banking staff whom directly affects the business efficiency.
IAM plays a critical role in improving business accessibility without compromising the system boundaries. PSD2 mandates strong customer authentication(SCA), setting the bar high for user authenticity, while keeping few exemptions, not to bother payment services user(PSU) with SCA for every little transactions. While adhering to this policy will make an institute PSD2 complaint, if they can react fast to the fraud rates…

XACML 3.0 Policies - 6

This is 6th post of a series of posts, after this post on writing XACML policies having multiple rules, http://pushpalankajaya.blogspot.com/2013/06/xacml-30-policies-multiple-rules-5.html. Here we will look into the following requirement which is more likely in practice.

  • The operation getVesrion1 and getVersion2 in the service http://localhost:8280/services/Customers should be accessed by any user
  • Request to any other service or operation should only be accessed by the users belong to the group(s) admin_emps or admin or both
Here the policy written to meet this authorization requirement,

<Policy xmlns="urn:oasis:names:tc:xacml:3.0:core:schema:wd-17"  PolicyId="testOr" RuleCombiningAlgId="urn:oasis:names:tc:xacml:1.0:rule-combining-algorithm:first-applicable" Version="1.0">
   <Description>Test Or</Description>
   <Target></Target>
   <Rule Effect="Permit" RuleId="primary-group-emps-rule">
      <Target>
         <AnyOf>
            <AllOf>
               <Match MatchId="urn:oasis:names:tc:xacml:1.0:function:string-equal">
                  <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">read</AttributeValue>
                  <AttributeDesignator AttributeId="urn:oasis:names:tc:xacml:1.0:action:action-id" Category="urn:oasis:names:tc:xacml:3.0:attribute-category:action" DataType="http://www.w3.org/2001/XMLSchema#string" MustBePresent="true"></AttributeDesignator>
               </Match>
            </AllOf>
         </AnyOf>
      </Target>
      <Condition>
         <Apply FunctionId="urn:oasis:names:tc:xacml:1.0:function:string-at-least-one-member-of">
            <AttributeDesignator AttributeId="group" DataType="http://www.w3.org/2001/XMLSchema#string" Category="urn:oasis:names:tc:xacml:3.0:group" MustBePresent="true"></AttributeDesignator>
            <Apply FunctionId="urn:oasis:names:tc:xacml:1.0:function:string-bag">
               <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">admin_emps</AttributeValue>
               <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">admin</AttributeValue>
            </Apply>
         </Apply>
      </Condition>
   </Rule>
   <Rule Effect="Permit" RuleId="primary-user-rule">
      <Condition>
         <Apply FunctionId="urn:oasis:names:tc:xacml:1.0:function:string-at-least-one-member-of">
            <AttributeDesignator AttributeId="urn:oasis:names:tc:xacml:1.0:resource:resource-id" Category="urn:oasis:names:tc:xacml:3.0:attribute-category:resource" DataType="http://www.w3.org/2001/XMLSchema#string" MustBePresent="true"></AttributeDesignator>
            <Apply FunctionId="urn:oasis:names:tc:xacml:1.0:function:string-bag">
               <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">http://localhost:8280/services/Customers/getVersion1</AttributeValue>
               <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">http://localhost:8280/services/Customers/getVersion2</AttributeValue>
            </Apply>
         </Apply>
      </Condition>
   </Rule>
   <Rule Effect="Deny" RuleId="deny-rule"></Rule>
</Policy>

Here the first rule is to permit any requests made by users in either groups admin_emps and admin, to read any resource. Second rule will permit any request coming to operations 'http://localhost:8280/services/Customers/getVersion1(2)'. Third rule will deny any other requests.
  • User 'Pushpalanka' belonging to groups staff and business tries to access 'http://localhost:8280/services/Customers/getVersion2'. Response: Permit
<Request xmlns="urn:oasis:names:tc:xacml:3.0:core:schema:wd-17" CombinedDecision="false" ReturnPolicyIdList="false">
<Attributes Category="urn:oasis:names:tc:xacml:3.0:attribute-category:action">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:action:action-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">read</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:1.0:subject-category:access-subject">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:subject:subject-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">pushpalanka</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:3.0:group">
    <Attribute AttributeId="group" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">staff</AttributeValue>
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">business</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:3.0:attribute-category:resource">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:resource:resource-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">http://localhost:8280/services/Customers/getVersion2</AttributeValue>
    </Attribute>
</Attributes>
</Request>
 
  • Admin user belonging to admin and business groups tries to access service 'http://localhost:8280/services/Customers/'. Response: Permit
<Request xmlns="urn:oasis:names:tc:xacml:3.0:core:schema:wd-17" CombinedDecision="false" ReturnPolicyIdList="false">
<Attributes Category="urn:oasis:names:tc:xacml:3.0:attribute-category:action">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:action:action-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">read</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:1.0:subject-category:access-subject">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:subject:subject-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">admin</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:3.0:group">
    <Attribute AttributeId="group" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">admin</AttributeValue>
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">business</AttributeValue>
    </Attribute>
</Attributes>
<Attributes Category="urn:oasis:names:tc:xacml:3.0:attribute-category:resource">
    <Attribute AttributeId="urn:oasis:names:tc:xacml:1.0:resource:resource-id" IncludeInResult="false">
        <AttributeValue DataType="http://www.w3.org/2001/XMLSchema#string">http://localhost:8280/services/Customers/</AttributeValue>
    </Attribute>
</Attributes>
</Request>
Cheers!

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