OpenBanking OpenID Dynamic Client Registration Specification - v1.0.0-rc2

Version Control







Ralph BraggInitial draft for internal review


Ralph BraggFor review
v1.0.0-rc2 Ralph Bragg (Unlicensed)

Updated to amend "organisation_competent_authority_claims" from an array to an object, so that it matches the Open Banking Directory implementation as approved by TDA on  


This specification defines two mechanisms by which a Primary Technical Contact (PTC) for a Trusted Third Party (TPP) may submit a Software Statement Assertion (SSA) to an Account Servicing Payment Services Provider (ASPSP) for the purposes of receiving a client credential enabling access to UK OpenBanking APIs on behalf of ASPSP Customers. The automated mechanism profiles [RFC7591]. The manual mechanism uses web single sign-on for secure access by the PTC to a portal operated by the ASPSP that is based on the original PTC credentials used to generate the SSA.

Registration Overview


This specification uses the terms "access token", "authorization code", "authorization endpoint", "authorization grant", "authorization server", "client", "client identifier", "client secret", "grant type", "protected resource", "redirection URI", "refresh token", "resource owner", "resource server", "response type", and "token endpoint" defined by OAuth 2.0 [RFC6749] and uses the term "Claim" defined by JSON Web Token (JWT) [RFC7519].

Account Servicing Payment Services Provider (ASPSP) - An organisation managing customer accounts (and operating banking APIs).

Primary Technical Contact - The person at the TPP who creates an SSA and invokes a registration mechanism. This is an example of an [RFC7591] Client Developer.

OB Organisation ID - The unique identifier for each OpenBanking participant. Both TPPs and ASPSPs have OB Organisation IDs.

OpenBanking Directory - An implementation of a [PSD2] competent authority; acts as an Identity Provider, certificate authority, and registry governing the participants in the UK OpenBanking API scheme.

ASPSP Registration Endpoint - OAuth 2.0 & [RFC7591] compliant endpoint, exact value is discoverable from the [OIDCD] openid-configuration file of the ASPSP.

Software Statement Assertion (SSA) - An implementation of an [RFC7591] software statement, signed by the OpenBanking Directory.

Trusted Third Party (TPP) - An organization working to initiate payments or consume account information with/from an ASPSP.

TPP Client Software - software implementing an OAuth2 client, interacting with an ASPSP registration endpoint.

Software Statement Assertion (SSA)

The SSA is a JSON Web Token (JWT) containing client metadata about an instance of TPP client software. The JWT is issued and signed by the OpenBanking Directory.

A large number of claims that OpenID Connect OPs could support are detailed and should be followed if not explicitly referenced below.

SSA Payload

The payload of an OpenBanking SSA MUST be a compliant software statement according to [RFC7591]. The SSA MUST also be a compliant JWT according to [RFC7519]. The following metadata profiles the metadata in [RFC7591] and [RFC7519]:

MetadataDescriptionSource Specification
software_idUnique Identifier for TPP Client Software[RFC7591]
issSSA Issuer[RFC7519]
iatTime SSA issued[RFC7519]
jtiJWT ID[RFC7519]

The following software metadata is additionally defined for this profile:

MetadataDescriptionDefault values
software_client_idThe Client ID Registered at OB used to access OB resources
software_client_descriptionHuman-readable detailed description of the client
software_client_nameHuman-readable Software Name
software_client_uriThe website or resource root uri
software_versionThe version number of the software should a TPP choose to register and / or maintain it
software_environmentRequested additional field to avoid certificate check
software_jwks_endpointContains all active signing and network certs for the software
software_jwks_revoked_endpointContains all revoked signing and network certs for the software
software_logo_uriLink to the TPP logo. Note, ASPSPs are not obliged to display images hosted by third parties
software_modeASPSP Requested additional field to indicate that this software is "Test" or "Live" the default is "Live". Impact and support for "Test" software is up to the ASPSP.
software_on_behalf_of_orgA reference to fourth party organsiation resource on the OB Directory if the registering TPP is acting on behalf of another.
software_on_behalf_of_org_typeThe type of organisaion that this software has a relationship with. Regulated on OB Directory, Not regulated, Regulated not On OB Directory
software_policy_uriA link to the software's policy page
software_redirect_urisRegistered client callback endpoints as registered with Open Banking
software_rolesA multi value list of PSD2 roles that this software is authorized to perform.
software_tos_uriA link to the software's terms of service page

The following Organisational metadata is defined for this profile:

MetadataDescriptionDefault values
organisation_competent_authority_claimsAuthorisations granted to the organsiation by an NCA
org_statusIncluded to cater for voluntary withdrawal from OB scenariosActive, Revoked or Withdrawn
org_idThe Unique TPP or ASPSP ID held by OpenBanking.
org_nameLegal Entity Identifier or other known organisation name
org_contactsJSON array of objects containing a triplet of name, email, and phone number
org_jwks_endpointContains all active signing and network certs for the organisation
org_jwks_revoked_endpointContains all revoked signing and network certs for the organisation
ob_registry_tosA link to the OB registries terms of service page

SSA header

The SSA header MUST comply with [RFC7519].

typMUST be set to JWT
algMUST be set to ES256 or PS256
kidThe kid will be kept the same as the "x5t" parameter. (X.509 Certificate SHA-1 Thumbprint) of the signing certificate.

Example SSA

The elements defined in the software statement will consist of the following values.

Note that there are inconsistent applications of booleans or "Active" strings in the current data model.

Note that there are inconsistent applications of status flags case sensitivity.

The attributes required to be displayed by ASPSPs

    "typ": "JWT",
    "alg": "ES256",
    "kid": "ABCD1234"
    "iss": "OpenBanking Ltd",
    "iat": 1492756331,
    "jti": "id12345685439487678",
    "software_environment": "production",
    "software_mode": "live",
    "software_id": "65d1f27c-4aea-4549-9c21-60e495a7a86f",
    "software_client_id": "OpenBanking TPP Client Unique ID",
    "software_client_name": "Amazon Prime Movies",
    "software_client_description": "Amazon Prime Movies is a moving streaming service",
    "software_version": "2.2",
    "software_client_uri": "",
    "software_roles": [
    "organisation_competent_authority_claims": [
        "authority_id": "FMA", // Austrian Financial Market Authority
        "registration_id": "111111",
        "status": "Active",
        "authorisations":  [
                    "member_state": "GBR",
                        "roles": [
                    "member_state": "ROI",
                        "roles": [

    "software_logo_uri": "",
    "org_status": "Active",
    "org_id": "Amazon TPPID",
    "org_name": "OpenBanking TPP Registered Name",
    "org_contacts": [
        "name": "contact name",
        "email": "",
        "phone": "+447890130558"
        "type": "business"
        "name": "contact name",
        "email": "",
        "phone": "+447890130558",
        "type": "technical"
    "org_jwks_endpoint": "",
    "org_jwks_revoked_endpoint": "",
    "software_jwks_endpoint": "",
    "software_jwks_revoked_endpoint": "",
    "software_policy_uri": "",
    "software_tos_uri": "",
    "software_on_behalf_of_org": "",
    "ob_registry_tos": ""


Automated Client Registration

A TPP MAY use automated client registration to submit an SSA to an ASPSP in exchange for client credentials for use as a client against an OAuth 2.0 Authorization Server. It is RECOMMENDED for ASPSPs to support the automated client registration mechanism.

ASPSPs MUST NOT accept client registration requests that do not contain a valid SSA. Requests that pass validation criteria SHOULD result in the ASPSP populating client security characteristics from the metadata within the SSA and client registration requests issuing a registration response.

To support onboarding through APIs, the ASPSP must provide:

  • A service to validate and process the Request JWT and the SSA JWT contained within supporting both PS256 and ES256 alg types
  • A service to create and return client credentials based on the security characteristics obtained from the metadata
  • Storing the the Software Statement ID from the SSA against the client and validating the TPP, App, and SSID.org_jwks_endpoint
  • Provide a discovery specification endpoint that conforms to the OIDC discovery specification advertising supported mechanisms and algorithims available to TPPs. []

The TPP must only present the SSA to an ASPSP over a mutually authenticated TLS channel using a certificate issued by the OB. In this case, the combination of possession of the SSA, the possession of private keys referenced in the SSA and ability to present it over a channel that can be validated as belonging to the same TPP organization, is a strong barrier for attackers. Unlike RFC7591 the client registration request will be of type JWT where the registration request itself is a signed jwt.

Client Registration Endpoint

If an ASPSP supports automated client registration, the ASPSP MUST operate an [RFC7591] compliant registration endpoint. The client registration endpoint MUST be protected by transport-layer security (TLS 1.2 or better) The transport layer MUST be mutually authenticated using certificates chaining to the OpenBanking certificate authority The ASPSP registration endpoint MUST accept HTTP POST messages with request parameters encoded in the entity body using the "application/jwt" content-type. The ASPSP registration endpoint SHOULD accept registration attempts from any mutually authenticated channel whose certificate chains to the OpenBanking certificate authority and is not revoked.

Request Validation

Prior to issuing a client registration response, the ASPSP MUST perform the following checks The ASPSP SHOULD check whether the TPP that initiated the TLS connection is the same TPP as listed in the SSA. In the case where a gateway or other piece of infrastructure pre-terminates the MATLS channel in front of the registration endpoint, the certificate used to initiate the connection or some part of that certificate (such as DN & Issuer) SHOULD be made available to the ASPSP for validation against the claims in the SSA. The registration request MUST be signed with a key contained in the JWKS referenced in the SSA included with the request. This ensures that a holder-of-key proof-of-possession is performed proving that the TPP app was the originally intended recipient of the SSA when the OB issued it. The SSA MUST be validated according to [RFC7519], including validation of the signature and validity window.

JWT signature must be validated, this involves retrieving the jwks keyset for both the OB and the TPP. The OB keystore location will be published as part of the directory specification, The TPP's will be included in the software statement.

  • SSA Lifetime

  • The SSA's Lifetime will be short, typically less than 10 minutes. TPPs will be able to retrieve SSAs from OB using client_credentials grant so there should be no need for a SSA to be long lived.

Supported extensions to RFC7591

Section for the support sections / profile enhancements on RFC7591 e.g OIDC client reg profile, reg profile enhancments for mtls token end point auth

Client Registration Request

To register as a client at an ASPSP, the TPP sends an HTTP POST to the ASPSP registration endpoint. The request MUST be presented in the format of a [RFC7519] compliant JWT. The request MUST use the HTTP POST method, using the application/jwt method. * The JWT MUST be signed using algorithms specified in [FAPI-RW] Section 8.6.

Request Claims

The client registration request MUST contain the following claims in the JWT payload unless designated as Optional. The TPP MAY add additional claims to the JWT payload. The ASPSP MAY ignore claims not in the chart below. If a claim name matches a specified claim in any of [RFC7519], [RFC7591], or [FAPI], the usage must also match the specification.

ClaimDescriptionSource SpecificationOptionalComments

issRequest Issuer (The TPP)[RFC7519]NO

iatTime of issuance of request[RFC7519]NO

expRequest Expiration time[RFC7519]NO

audRequest audience (The ASPSP)[RFC7519]NO

jtiJWT ID[RFC7519]NO

redirect_urisRegistered URIs the TPP will use to interact with the ASPSP AS[OIDC-R]NOMUST match or be a subset of the software_redirect_uris claim in the SSA

token_endpoint_auth_methodSpecifies which token endpoint authentication method the TPP wants to use[RFC7591]NOprivate_key_jwt : if requested the OP should extract the TPPs JWKS location from the software statement assertion included.

grant_typesA JSON array specifying what the TPP can request to be supplied to the token endpoint as exchange for an access token[RFC7591]NO

response_typesA JSON array specifying what the TPP can request to be returned from the ASPSP authorisation endpoint.[RFC7591]YESASPSPs MAY reject anything other than code

software_idOB Organisation ID[RFC7591]YESIf specified, the software_id in the request MUST match the software_id specified in the SSA. ASPSPs can choose to allow multiple registrations for a given software client name and may take the software_id from either the SSA or the TPP as a hint only.

scopescopes the client is asking for (if not specified, default scopes are assigned by the AS)[RFC7591]YESMinimum scope should be openid + whatever scopes are appropriate for the softwares PSD2 Role.

software_statementSSA issued by OpenBanking identifier[RFC7519]NO

application_typeweb or mobile[OIDC-R]NOMUST be web if specified.

id_token_signed_response_algAlgorithm which the TPP expects to sign the id_token, if an id_token is returned.[OIDC-R]NOSupported values MUST comply with [FAPI-RW] Section 8.6.

request_object_signing_algAlgorithm which the TPP expects to sign the request object if a request object will be part of the authorization request sent to the ASPSP.[OIDC-R]NOSupported values MUST comply with [FAPI-RW] Section 8.6.


The TPP MUST choose one of the following token endpoint authentication methods:

Private Key JWT Authentication A TPP choosing to use the private_key_jwt method to authenticate to the token endpoint MUST set the value of the token_endpoint_auth_method to private_key_jwt as specified by [OIDC] Section 9, and [RFC7523].

Mutual TLS Client Authentication A TPP choosing to register Mutual TLS as the client authentication method MUST set the following client metadata in the registration request:token_endpoint_auth_method MUST be set to tls_client_auth The client metadata parameter tls_client_auth_dn MUST be included in the registration request * The content of the tls_client_auth_dnclaim MUST contain the DN of the certificate that the TPP will present to the ASPSP token endpoint.

HTTP Basic Client Authentication A TPP choosing to use HTTP Basic Authentication method MUST set the token_endpoint_auth_method claim in the registration request to client_secret_basic as per [rfc6749] section 2.3.1.

HTTP POST Client Authentication A TPP choosing to use HTTP Basic Authentication method MUST set the token_endpoint_auth_method claim in the registration request to client_secret_post as per [rfc6749] section 2.3.1.


The TPP MUST specify one or more of the following values in the grant_types claim. Values MUST be encoded as a JSON array. ASPSPs MAY reject anything other than client_credentialsor authorization_code. authorization_code refresh_token * client_credentials


A TPP MAY specify response_types in the request. Values MUST be encoded as a JSON array. In the case this value is omitted, and any grant type that utilizes the authorisation endpoint is also specified, the default response_types array contains the single value of code. ASPSPs SHOULD support code id_token and MAY support code.
Supported response_types include: code code id_token

Supported Request URIs

The TPP MAY specify a JSON array of [RFC3986] compliant redirect URIs in the request using the redirect_uris metadata element. Every value in the redirect_uris JSON array MUST adhere to the following rules: * The URI MUST use the https scheme * The URI MUST NOT contain a host with a value of localhost * The URI MUST exactly match a URI within the software_redirect_uris element of the SSA as described in Section 6.2.1 of [RFC3986] (Simple String Comparison). If the request_uris metadata element is omitted from the request, the entire contents of the software_redirect_uris element in the SSA are considered to be requested by the TPP.

Example Request

POST /register HTTP/1.1
Content-Type: application/jwt
Accept: application/json


Example Decoded Registration Request (Non Normative JWT decoded For Illustration)

POST /register HTTP/1.1
     Content-Type: application/jwt
     Accept: application/json
    "typ": "JWT",
    "alg": "ES256",
    "kid": "ABCD1234"
    "iss": "Amazon TPPID",
    "iat": 1492760444,
    "exp": 1524296444,
    "aud": "",
    "scope": "openid makepayment",
    "token_endpoint_auth_method": "private_key_jwt",
    "grant_types": ["authorization_code", "refresh_token", "client_credentials"],
    "response_types": ["code"],
    "id_token_signed_response_alg": "ES256",
    "request_object_signing_alg": "ES256",
    "software_id": "65d1f27c-4aea-4549-9c21-60e495a7a86f",
    "software_statement":     "eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzUxMiJ9.eyJpc3MiOiJPcGVuQmFua2luZyBMdGQiLCJpYXQiOjE0OTI3NTYzMzEsImV4cCI6MTQ5Mjc1NzU1MCwiYXVkIjoiT3BlbkJhbmtpbmcgVFBQIFVuaXF1ZSBJRCIsInN1YiI6Ik9wZW5CYW5raW5nIFRQUCBTb2Z0d2FyZSBVbmlxdWUgSUQiLCJjbGllbnRfbmFtZSI6IkFtYXpvbiBQcmltZSBMdGQiLCJjbGllbnRfdXJpIjoiaHR0cHM6Ly9wcmltZS5hbWF6b24uY29tIiwidHBwX3NvZnR3YXJlX2lkIjoiT3BlbkJhbmtpbmcgVFBQIFNvZnR3YXJlIFVuaXF1ZSBJRCIsInRwcF9zb2Z0d2FyZV9yb2xlcyI6WyJQSVNQIiwiQUlTUCJdLCJ0cHBfcm9sZXMiOlsiUElTUCIsIkFJU1AiLCJQSUlTUCJdLCJ0cHBfaWQiOiJPcGVuQmFua2luZyBUUFAgVW5pcXVlIElEIiwidHBwX25hbWUiOiJPcGVuQmFua2luZyBUUFAgUmVnaXN0ZXJlZCBOYW1lIiwidHBwX2NvbXBldGVudF9hdXRob3JpdHkiOiJPcGVuQmFua2luZyBUUFAgUmVnaXN0ZXJlZCBDb21wZXRlbnQgQXV0aG9yaXR5IiwidHBwX2NvbXBldGVudF9hdXRob3JpdHlfaWQiOiJPcGVuQmFua2luZyBUUFAgUmVnaXN0ZXJlZCBBdXRob3JpdHkgSUQiLCJ0cHBfcHRjX25hbWUiOiJPcGVuQmFua2luZyBUUFAgUmVnaXN0ZXJlZCBQcmltYXJ5IFRlY2huaWNhbCBDb250YWN0IE5hbWUiLCJ0cHBfcHRjX2VtYWlsIjoiT3BlbkJhbmtpbmcgVFBQIFJlZ2lzdGVyZWQgUHJpbWFyeSBUZWNobmljYWwgQ29udGFjdCBFbWFpbCIsInRwcF9qd2tzX2VuZHBvaW50IjoiaHR0cHM6Ly9qd2tzLm9wZW5iYW5raW5nLm9yZy51ay90cHBfaWQuamt3cyJ9.dtWXOW7uAc-jM_-wZNyNvN3dkgd4yV6KkdS_6rbNRUBD15_rWO1FARF7WcjFmSvlZZrT-njf9CmJKbhl7DuXIw"

Some client metadata may be communicated via the software statement (which is embedded in the onboarding request), other metadata could be directly asserted by the TPP as part of the onboarding request. Note that additional metadata values are defined in both RC7591 and in the specification.

  • OPs MAY NOT support optional values listed below that are asserted by the TPP.
  • OPs MAY NOT adopt values asserted by the TPP that are also contained in the software statement
  • OPs SHALL reject requests if the requested configuration is not supported by the OP. e.g token_endpoint_auth_method requested should match one listed on the well-known configuration endpoint.

Registration Request Validation

An ASPSP MUST return an error response if any of the following requirements are not met: - The registration request assertion MUST contain a software statement attribute as client metadata. - The signature of the software statement assertion MUST validate against the OpenBanking JWKS or JWKS URI distributed and validated out of band of the current registration request - The signature of the registration request assertion MUST successfully validate against the JWKS URI specified in the software_jwks_endpoint attribute of the software statement assertion (SSA). - If the request assertion specifies a redirect_uris metadata element, the array contents MUST match or be a subset of the software_redirect_uris claim in the SSA. - If the request assertion specifies a software_id metadata element, that value MUST match the software_id element in the SSA.

Certificate Based TLS Validation

As described in [RFC7515] section 4.1.4 all OpenBanking Ltd ecosystem certificates will be issued as X.509 certificates that can be uniquely identified in a JWKS key store by the keyid. The format of the keyid will be aligned to the x5t parameter of the certificate from which the key is extracted as documented in [RFC7515] section 4.1.8.

An ASPSP MUST return an error response if any of the following requirements are not met:

  • The transport layer negotiated by the TPP MUST be mutually authenticated.
  • The client TLS certificate SHOULD chain to a certificate located in the SSA 'org_jwks_endpoint' attribute.
  • The client TLS certificate must contain the following attributes:
  • The Subject DN MUST contain the commonName (CN) attribute and organisationUnit (OU) of the certificate.
  • The CN attribute of the certificate MUST match the software_id specified within the SSA.
  • The OU attribute of the certificate MUST match the org_id specified within the SSA.
  • The Issuer DN MUST be validated ensuring that the issuer was the appropriate Open Banking CA for the environment.

Client Registration Response

At the time that the ASPSP finishes evaluation of the request, the ASPSP MUST return a client registration response to the TPP that reflects the final ASPSP client onboarding decision.

Successful Client Registration Response

In the case where the ASPSP makes a positive determination and creates a client, a Client Information Response MUST be returned to the the TPP conforming to Section 3.2.1 of [RFC7591]. The parameters returned in the response will vary depending on which token endpoint authentication method was specified in the request.


HTTP/1.1 201 Created
     Content-Type: application/json
     Cache-Control: no-store
     Pragma: no-cache

      "client_id": "dc-xliXMnoy6LN7Rh2Zu0fZan",
      "client_name": "Amazon Inc: Amazon Prime Movies Oct 23 2017"
      "logo_uri": ""
      "id_token_signed_response_alg": "ES256",
      "request_object_signing_alg": "ES256",
      "grant_types": ["authorization_code", "refresh_token"],
      "software_id": "65d1f27c-4aea-4549-9c21-60e495a7a86f",
      "software_logo_uri": ""
      "software_client_name": "Amazon Prime Movies",
      "software_roles": [
      "scope": "openid makepayment",
      "token_endpoint_auth_method": "private_key_jwt",
      "software_jwks_endpoint": ""

Unsuccessful Client Registration Response

In the case where the ASPSP makes a negative determination and refuses to create a client, the ASPSP MUST return a client registration error response to the TPP conforming to Section 3.2.2 of [RFC7591].


HTTP/1.1 400 Bad Request
     Content-Type: application/json
     Cache-Control: no-store
     Pragma: no-cache

      "error": "unapproved_software_statement",
      "error_description": "Some actionable reason why an ASPSP might reject a valid SSA"

Manual Client Registration

An ASPSP MAY choose to offer a developer web portal for the purposes of client registration. If an OpenBanking-related web portal is offered, the ASPSP portal MUST act as a [SAML2] or [OIDC] compliant relying party to the OpenBanking Directory, where the PTC will be strongly authenticated.

Single Sign-on Configuration

The OpenBanking Directory Single Sign-on service MUST

  • Act as a [FAPI] compliant OpenID Connect Identity Provider in the Identity Provider role for valid ASPSPs.
  • Act as a [SAML2] Identity Provider compliant to OB supported profiles

Secondary GUI SSO

OIDC Available Claims

MetadataDescriptionDefault values
tpp_associatedIs this user associated with at least one TPP in the OpenBanking directory as either a Primary Technical Contact or �Secondary Technical Contacttrue
account_verifiedHas this account been verified by / through OB processes necessary to achieve LoA2 certification of the identity associated with the user credentialstrue
aspsp_associatedIs this user associated with at least one ASPSP in the OpenBanking directory as either a Primary Technical Contact or �Secondary Technical Contacttrue
subUnique Identifier for the Authenticated Userxccsdlkj128789432
usernameUnique Identifier for the Authenticated Userxccsdlkj128789432
statusActive Inactive flag
emailEmail address
phone_numberA contact phone number (mobile) for the user also used as a second means for a authentication during password resets
family_nameSurname or Family name
given_nameFirstname or Given Name
nameDisplay or complete name string
tpp_associations_listA list of the TPP org_id's that this user is associated with in either a PTC or STC capacity
aspsp_associations_listA list of the ASPSPS org_id's that this user is associated with in either a PTC or STC capacity


Normative References

[FAPI] "Financial API - Part 1: Read Only API Security Profile"

[FAPI-RW] "Financial API - Part 2: Read and Write API Security Profile"

[OBUK-SEC] "UK Open Banking OIDC Security Profile"

[OIDC] "OpenID Connect Core 1.0 incorporating errata set 1"

[OIDC-D] "OpenID Connect Discovery 1.0 incorporating errata set 1"

[OIDC-R] "OpenID Connect Dynamic Client Registration 1.0 incorporating errata set 1"

[MTLS-ID3] "Mutual TLS Profile for OAuth 2.0 (Draft)"

[RFC3986] "Uniform Resource Identifier (URI): Generic Syntax"

[RFC7515] "JSON Web Signature (JWS)"

[RFC7519] "JSON Web Token (JWT)"

[RFC7523] "JSON Web Token (JWT) Profile for OAuth 2.0 Client Authentication and Authorization Grants"

[RFC7591] "OAuth 2.0 Dynamic Client Registration Protocol",

[RFC6749] "The OAuth 2.0 Authorization Framework",

[RFC6750] "The OAuth 2.0 Authorization Framework: Bearer Token Usage"

[SAML2] "Assertions and Protocols for the OASIS Security Assertion Markup Language (SAML) 2.0"

Informative References

[PSD2] "Payment Services Directive 2"