It is important to centralize the authentication, even for a microservices approach for a single product. So I'm assuming you will be looking at having an Identity Service(Authentication Service) which will handle the authentication and issue a token. The other microservices will be acting as the service providers which will validate the token issued.
Note: In standards like OpenID connect, the id_token issued is in the format of JWT which is also stateless and self-contained with singed information about the user. So individual Microservices doesn't have to communicate with the authentication service for each token validation. However, you can look at implementing or using Refresh tokens to renew tokens without requiring users to login again.
Depending on the technology you choose, it will change the nature how you issue the tokens and validate.
e.g:
- ExpressJS framework for backend - You can verify the tokens and routes in a Node Middleware Handler using Passport.
- If you use API Gateway in front of your Microservice endpoints you can use a Custom Authorizer Lambda to verify the tokens.
However, it is recommended to use a standard protocol like OpenID connect so that you can be compatible with Identity Federation, SSO behaviors in future.
Since you have mentioned that you are hoping to have your own solution, it will come also with some challenges to address,
- Password Policies
- Supporting standards (OpenID Connect)
- Security (Encryption at rest and transit especially for PIDs)
- SSO, MFA & Federation support etc.
- IDS/IPS
In addition to non-functional requirements like scalability, reliability, performance. Although these requirements might not arise in the beginning, I have seen many come down the line, when products get matured, especially for compliance.
That's why most people encourage to use an identity server or service like Cognito, Auth0 & etc to get a better ROI.