{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://developer.visa.com/schemas/visa/account.json",
  "title": "Visa Payment Account",
  "description": "Schema representing a Visa payment account with attributes used across Payment Account Validation, Payment Account Attributes Inquiry, Account Updater, and Card on File services.",
  "type": "object",
  "required": [
    "primaryAccountNumber"
  ],
  "properties": {
    "primaryAccountNumber": {
      "type": "string",
      "description": "Primary Account Number (PAN) of the Visa card",
      "minLength": 13,
      "maxLength": 19
    },
    "paymentAccountReference": {
      "type": "string",
      "description": "Payment Account Reference (PAR) that uniquely identifies a cardholder account across multiple tokens and PANs",
      "maxLength": 29
    },
    "cardExpiryDate": {
      "type": "string",
      "description": "Card expiration date in YYYY-MM format",
      "pattern": "^\\d{4}-(0[1-9]|1[0-2])$"
    },
    "cardholderName": {
      "type": "string",
      "description": "Name of the cardholder as printed on the card"
    },
    "cardTypeCode": {
      "type": "string",
      "description": "Code indicating the type of card account",
      "enum": [
        "CREDIT",
        "DEBIT",
        "PREPAID",
        "DEFERRED_DEBIT",
        "CHARGE"
      ]
    },
    "cardProductType": {
      "type": "string",
      "description": "Product type of the Visa card (e.g., Classic, Gold, Platinum, Infinite)"
    },
    "issuerName": {
      "type": "string",
      "description": "Name of the financial institution that issued the card"
    },
    "issuerCountryCode": {
      "type": "string",
      "description": "ISO 3166-1 numeric country code of the card issuer",
      "pattern": "^\\d{3}$"
    },
    "binNumber": {
      "type": "string",
      "description": "Bank Identification Number (first 6-8 digits of the PAN)",
      "pattern": "^\\d{6,8}$"
    },
    "accountStatus": {
      "type": "string",
      "description": "Current status of the payment account",
      "enum": [
        "ACTIVE",
        "INACTIVE",
        "BLOCKED",
        "CLOSED"
      ]
    },
    "fastFundsIndicator": {
      "type": "string",
      "description": "Indicates whether the issuer participates in Fast Funds service for the account",
      "enum": [
        "Y",
        "N",
        "D"
      ]
    },
    "pushPaymentsIndicator": {
      "type": "string",
      "description": "Indicates whether the account can receive push payment transactions",
      "enum": [
        "Y",
        "N"
      ]
    },
    "onlineGamblingBlockIndicator": {
      "type": "string",
      "description": "Indicates whether online gambling transactions are blocked for this account",
      "enum": [
        "Y",
        "N"
      ]
    },
    "billingAddress": {
      "$ref": "#/$defs/Address"
    },
    "cardOnFileDetails": {
      "type": "array",
      "description": "List of merchants with this card stored on file",
      "items": {
        "$ref": "#/$defs/CardOnFileMerchant"
      }
    },
    "tokenDetails": {
      "type": "array",
      "description": "Token references associated with this account",
      "items": {
        "$ref": "#/$defs/TokenReference"
      }
    }
  },
  "$defs": {
    "Address": {
      "type": "object",
      "description": "Physical address associated with the account",
      "properties": {
        "street": {
          "type": "string",
          "description": "Street address"
        },
        "city": {
          "type": "string",
          "description": "City name"
        },
        "state": {
          "type": "string",
          "description": "State or province code"
        },
        "postalCode": {
          "type": "string",
          "description": "Postal or ZIP code"
        },
        "country": {
          "type": "string",
          "description": "ISO 3166-1 alpha-2 country code",
          "pattern": "^[A-Z]{2}$"
        }
      }
    },
    "CardOnFileMerchant": {
      "type": "object",
      "description": "Details of a merchant that has the card stored on file",
      "properties": {
        "merchantName": {
          "type": "string",
          "description": "Name of the merchant"
        },
        "merchantId": {
          "type": "string",
          "description": "Unique identifier of the merchant"
        },
        "enrollmentDate": {
          "type": "string",
          "format": "date",
          "description": "Date the card was stored on file with this merchant"
        },
        "transactionType": {
          "type": "string",
          "description": "Type of stored credential usage",
          "enum": [
            "RECURRING",
            "INSTALLMENT",
            "UNSCHEDULED",
            "SUBSCRIPTION"
          ]
        }
      }
    },
    "TokenReference": {
      "type": "object",
      "description": "Reference to a token associated with the payment account",
      "properties": {
        "tokenReferenceId": {
          "type": "string",
          "description": "Unique identifier for the token"
        },
        "tokenType": {
          "type": "string",
          "description": "Type of the token",
          "enum": [
            "DEVICE",
            "ECOMMERCE",
            "NETWORK"
          ]
        },
        "tokenStatus": {
          "type": "string",
          "description": "Current status of the token",
          "enum": [
            "ACTIVE",
            "SUSPENDED",
            "DEACTIVATED"
          ]
        },
        "tokenRequestorId": {
          "type": "string",
          "description": "Identifier of the entity that requested the token"
        }
      }
    }
  }
}