{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "@context": [
    "https://schemas.meta-aiml.org/v3.0.0/context.jsonld"
  ],
  "@id": "https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json",
  "$id": "https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json",
  "@type": "OnlineBanking",
  "schemaVersion": "3.0.0",
  "aimlVersion": "3.0.0",
  "title": "Online Banking Entity Schema",
  "description": "v3 schema for regulated online banking systems delivering account, payment, and money movement services directly to customers under financial compliance controls.",
  "examples": [
    {
      "description": "Retail digital bank with account management and payment transfer features",
      "reference": "online_banking_example_retail"
    },
    {
      "description": "SMB banking platform with treasury workflows and transaction monitoring",
      "reference": "online_banking_example_smb"
    }
  ],
  "type": "object",
  "additionalProperties": false,
  "allOf": [
    {
      "$ref": "../ontology/financial_entity.json"
    },
    {
      "$ref": "../archetypes/direct_service.json"
    }
  ],
  "properties": {
    "@type": {
      "const": "OnlineBanking"
    },
    "ontologicalMode": {
      "const": "FinancialEntity"
    },
    "interactionArchetype": {
      "type": "array",
      "contains": {
        "const": "DirectService"
      },
      "items": {
        "type": "string",
        "enum": [
          "DirectService"
        ]
      }
    },
    "domain": {
      "const": "Finance"
    },
    "businessModel": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "InterestSpread",
          "Transactional",
          "Subscription"
        ]
      }
    },
    "deliveryFormat": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "WebApp",
          "MobileApp",
          "API"
        ]
      }
    },
    "name": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedText"
    },
    "description": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedText"
    },
    "shortDescription": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedTextOrString"
    },
    "url": {
      "type": "string",
      "format": "uri"
    },
    "foundingDate": {
      "type": "string",
      "format": "date"
    },
    "regulatoryInfo": {
      "type": "object",
      "required": [
        "licenses",
        "jurisdictions"
      ],
      "properties": {
        "licenses": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        },
        "jurisdictions": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        },
        "complianceFrameworks": {
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "KYC",
              "AML_CFT",
              "PCI_DSS",
              "SOX",
              "GDPR"
            ]
          }
        }
      }
    },
    "properties": {
      "type": "object",
      "properties": {
        "bankingSegment": {
          "type": "string",
          "enum": [
            "retail",
            "business",
            "hybrid"
          ]
        },
        "supportsInstantPayments": {
          "type": "boolean"
        },
        "supportsInternationalTransfers": {
          "type": "boolean"
        },
        "supportsCardManagement": {
          "type": "boolean"
        },
        "riskControlTier": {
          "type": "string",
          "enum": [
            "standard",
            "elevated",
            "critical"
          ]
        },
        "contactPoints": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/ContactPoint"
          }
        },
        "socialProfiles": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/SocialProfile"
          }
        },
        "identifiers": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/Identifier"
          }
        }
      }
    },
    "capabilities": {
      "type": "object",
      "required": [
        "interaction",
        "financial"
      ],
      "properties": {
        "interaction": {
          "$ref": "../components/capability_groups.json#/$defs/InteractionCapabilities"
        },
        "financial": {
          "$ref": "../components/capability_groups.json#/$defs/FinancialCapabilities"
        },
        "content": {
          "$ref": "../components/capability_groups.json#/$defs/ContentCapabilities"
        },
        "commerce": {
          "$ref": "../components/capability_groups.json#/$defs/CommerceCapabilities"
        }
      }
    },
    "modules": {
      "type": "object",
      "properties": {
        "authentication": {
          "type": "object",
          "properties": {
            "mfaRequired": {
              "type": "boolean"
            },
            "biometricLoginSupported": {
              "type": "boolean"
            },
            "deviceRiskScoringEnabled": {
              "type": "boolean"
            }
          }
        },
        "transactionSecurity": {
          "type": "object",
          "properties": {
            "anomalyDetectionEnabled": {
              "type": "boolean"
            },
            "limitsEngineEnabled": {
              "type": "boolean"
            },
            "beneficiaryVerificationEnabled": {
              "type": "boolean"
            }
          }
        },
        "compliance": {
          "type": "object",
          "properties": {
            "sanctionsScreeningEnabled": {
              "type": "boolean"
            },
            "transactionMonitoringEnabled": {
              "type": "boolean"
            },
            "auditTrailRetentionYears": {
              "type": "integer",
              "minimum": 1
            }
          }
        }
      }
    },
    "structuralMetadata": {
      "type": "object",
      "properties": {
        "topology": {
          "const": "binary"
        },
        "roles": {
          "const": [
            "user",
            "platform"
          ]
        },
        "valueSource": {
          "const": "platform_provided"
        },
        "transactionFlow": {
          "const": "direct"
        },
        "networkEffects": {
          "const": "none"
        },
        "criticalityClass": {
          "type": "string",
          "enum": [
            "regulated_financial_service",
            "critical_infrastructure"
          ]
        }
      }
    },
    "targetAudience": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "siteCapabilities": {
      "type": "object",
      "properties": {
        "supportedDevices": {
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "desktop",
              "mobile",
              "tablet"
            ]
          }
        },
        "languages": {
          "type": "array",
          "items": {
            "type": "string"
          }
        },
        "accessibilityFeatures": {
          "type": "array",
          "items": {
            "type": "string"
          }
        }
      }
    }
  },
  "required": [
    "@type",
    "ontologicalMode",
    "interactionArchetype",
    "domain",
    "name",
    "description",
    "deliveryFormat",
    "regulatoryInfo",
    "capabilities",
    "structuralMetadata",
    "modules"
  ],
  "validationMetadata": {
    "schemaVersion": "3.0.0",
    "phase": "entity",
    "status": "draft",
    "lastValidated": "2026-02-20T12:00:00Z",
    "validator": "META-AIML QA"
  },
  "semanticAnnotations": {
    "classificationRationale": "OnlineBanking is modeled as FinancialEntity + DirectService because a regulated institution directly provides financial account and payment services.",
    "disambiguationNotes": "Different from payment marketplaces and broker-style intermediaries; this schema is for direct bank-customer service."
  },
  "governanceMetadata": {
    "entityVersion": "3.0.0",
    "introducedIn": "META-AIML v3.0.0",
    "stabilityLevel": "draft",
    "sdkValidationRules": [
      "RULE-OBNK-001: @type MUST equal \"OnlineBanking\"",
      "RULE-OBNK-002: ontologicalMode MUST equal \"FinancialEntity\"",
      "RULE-OBNK-003: domain MUST equal \"Finance\"",
      "RULE-OBNK-004: interactionArchetype MUST contain \"DirectService\"",
      "RULE-OBNK-005: regulatoryInfo.licenses and regulatoryInfo.jurisdictions MUST be present",
      "RULE-OBNK-006: capabilities.interaction MUST be present"
    ]
  }
}