{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://developer.fiserv.com/schemas/fiserv/account.json",
  "title": "Fiserv Account",
  "description": "Schema representing a financial account across Fiserv banking and card APIs including BankingHub and CardDeveloper.",
  "type": "object",
  "required": ["accountId", "accountType", "status"],
  "properties": {
    "accountId": {
      "type": "string",
      "description": "The unique account identifier."
    },
    "accountNumber": {
      "type": "string",
      "description": "The account number."
    },
    "accountType": {
      "type": "string",
      "enum": ["DDA", "SDA", "MMA", "CDA", "LOAN", "CONSUMER_CREDIT", "COMMERCIAL_CREDIT", "CONSUMER_DEBIT"],
      "description": "The type of account."
    },
    "status": {
      "type": "string",
      "enum": ["ACTIVE", "INACTIVE", "CLOSED", "DORMANT", "FROZEN"],
      "description": "The current account status."
    },
    "partyId": {
      "type": "string",
      "description": "The party (customer) identifier who owns the account."
    },
    "productCode": {
      "type": "string",
      "description": "The product code for the account."
    },
    "branchId": {
      "type": "string",
      "description": "The branch identifier where the account is held."
    },
    "currency": {
      "type": "string",
      "pattern": "^[A-Z]{3}$",
      "description": "The ISO 4217 currency code for the account."
    },
    "balances": {
      "$ref": "#/$defs/Balances"
    },
    "limits": {
      "$ref": "#/$defs/Limits"
    },
    "openDate": {
      "type": "string",
      "format": "date",
      "description": "The date the account was opened."
    },
    "closeDate": {
      "type": "string",
      "format": "date",
      "description": "The date the account was closed, if applicable."
    },
    "billingCycleDay": {
      "type": "integer",
      "minimum": 1,
      "maximum": 28,
      "description": "The billing cycle day of the month for credit accounts."
    }
  },
  "$defs": {
    "Balances": {
      "type": "object",
      "description": "Account balance information.",
      "properties": {
        "available": {
          "type": "number",
          "description": "The available balance or available credit."
        },
        "current": {
          "type": "number",
          "description": "The current (ledger) balance."
        },
        "pending": {
          "type": "number",
          "description": "The pending balance from unposted transactions."
        },
        "creditLimit": {
          "type": "number",
          "description": "The credit limit for credit accounts."
        },
        "minimumPaymentDue": {
          "type": "number",
          "description": "The minimum payment due for credit accounts."
        }
      }
    },
    "Limits": {
      "type": "object",
      "description": "Account limit information for credit and card accounts.",
      "properties": {
        "creditLimit": {
          "type": "number",
          "minimum": 0,
          "description": "The permanent credit limit."
        },
        "temporaryCreditLimit": {
          "type": "number",
          "minimum": 0,
          "description": "The temporary credit limit."
        },
        "temporaryCreditLimitExpiry": {
          "type": "string",
          "format": "date",
          "description": "The expiry date for the temporary credit limit."
        },
        "cashLimit": {
          "type": "number",
          "minimum": 0,
          "description": "The cash advance limit."
        },
        "availableCredit": {
          "type": "number",
          "description": "The available credit amount."
        },
        "availableCash": {
          "type": "number",
          "description": "The available cash advance amount."
        }
      }
    }
  }
}