commercial_credit_card.json

{
  "description": "Commercial Credit Card",
  "type": "object",
  "properties": {
    "Organisation": {
      "description": "Organisation",
      "type": "object",
      "properties": {
        "ParentOrganisation": {
          "description": "Parent organisation",
          "type": "object",
          "properties": {
            "LEI": {
              "description": "The LEI ID of the organisation",
              "type": "string",
              "pattern": "^[A-Z0-9]{18,18}[0-9]{2,2}$"
            },
            "BIC": {
              "description": "The BIC from the organisation",
              "type": "string",
              "pattern": "[A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})?"
            },
            "OrganisationName": {
              "description": "Organisation Name",
              "type": "object",
              "properties": {
                "LegalName": {
                  "description": "Legal Name of the organisation",
                  "type": "string",
                  "minLength": 1,
                  "maxLength": 35
                }
              },
              "required": ["LegalName"],
              "additionalProperties": false
            }
          },
          "required": ["OrganisationName"],
          "additionalProperties": false
        },
        "Brand": {
          "description": "Brand",
          "type": "object",
          "properties": {
            "TrademarkIPOCode": {
              "description": "The Intellectual Property Office (IPO) is the official body responsible for intellectual property (IP) rights including patents, designs, trademarks and copyright. (Code: UK or EU only)",
              "type": "string",
              "enum": ["UK", "EU"]
            },
            "TrademarkID": {
              "description": "The trademark number that has been registered with the Intellectual Property Office. Note: The 2 letter IPO prefix should be omitted",
              "type": "string",
              "minLength": 1,
              "maxLength": 35
            }
          },
          "required": ["TrademarkIPOCode", "TrademarkID"],
          "additionalProperties": false
        }
      },
      "required": ["ParentOrganisation", "Brand"],
      "additionalProperties": false
    },
    "ProductName": {
      "description": "Name of the Commercial Credit Card",
      "type": "string"
    },
    "ProductType": {
      "description": "Descriptive code for the product category",
      "type": "string",
      "enum": ["CommercialCreditCards"]
    },
    "ProductSegment": {
      "description": "Marketing or industry segment that the product is designed for",
      "type": "array",
      "items": {
        "description": "Marketing or industry segment that the product is designed for",
        "type": "string",
        "enum": ["Cashback", "Corporate", "General", "Reward", "SME"]
      }
    },
    "ProductIdentifier": {
      "description": "Identifier within the parent organisation for the product. Must be unique in the organisation",
      "type": "string"
    },
    "ProductURL": {
      "description": "URL provided by the organisation which redirects to the product (on live products only). There might be more than one product at a given URL",
      "type": "array",
      "items": {
        "type": "string",
        "format": "uri"
      },
      "minItems": 1
    },
    "Description": {
      "description": "Product description",
      "type": "string"
    },
    "KeyFeatures": {
      "description": "Product key features",
      "type": "string"
    },
    "PaymentHoliday": {
      "description": "Indicates whether a payment holiday is possible",
      "type": "boolean"
    },
    "PaymentHolidayDescription": {
      "description": "Detailed description on the payment holiday if available",
      "type": "string"
    },
    "OtherKeyFeatures": {
      "description": "Additional Features of the card",
      "type": "string"
    },
    "TsandCs": {
      "description": "URL provided by the parent organisation which redirects to the current T&Cs. Only applies on live products",
      "type": "array",
      "items": {
        "type": "string"
      },
      "minItems": 1
    },
    "Details": {
      "description": "Commercial Credit Card Group ",
      "type": "object",
      "properties": {
        "CCSubType": {
          "description": "CCC Subtype Code",
          "type": "string",
          "enum": ["FutureMultipleTerms", "Promotional", "Regular"]
        },
        "CommercialCreditCardItem": {
          "description": "Commercial Credit Card Item ",
          "type": "object",
          "properties": {
            "StartPromotionOrFutureTerms": {
              "description": "Describes the start date",
              "type": "string",
              "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
            },
            "StopPromotionOrFutureTerms": {
              "description": "Describes the end date",
              "type": "string",
              "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
            },
            "LengthPromotionalInDays": {
              "description": "Describes the length if only a duration is given instead of a date",
              "type": "integer"
            },
            "DateOfChange": {
              "description": "Date of the change if it refers to future terms",
              "type": "string",
              "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
            },
            "MinimumCreditLimit": {
              "description": "Minimum £500, maximum subject to status",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "RepaymentFrequency": {
              "description": "Repayment frequency",
              "type": "string",
              "enum": ["Daily", "Flexible", "Fortnightly", "HalfYearly", "Monthly", "Quarterly", "Weekly", "Yearly"]
            },
            "APRRate": {
              "description": "Annual Percentage Rate",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "BalanceTransferInterestRatePeriod": {
              "description": "The period used to define the specific interest rate for balance transfers",
              "type": "string",
              "enum": ["Annual", "Monthly"]
            },
            "PurchaseRate": {
              "description": "Purchase rate",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "BalanceTransferRate": {
              "description": "Balance transfer rate",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "CashAdvanceRate": {
              "description": "Cash advance rate",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "OverLimitFee": {
              "description": "Fee applicable if the card was credited over its limit",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "MaximumNumberOfCardsPermitted": {
              "description": "The maximum numbers of cards per account",
              "type": "integer"
            },
            "CardScheme": {
              "description": "Card Scheme Code",
              "type": "string",
              "enum": ["Cashcard", "CreditMastercard", "CreditVisa"]
            },
            "AbilityToSetIndividualLimits": {
              "description": "The ability to set separate limts on different cards in one account",
              "type": "boolean"
            },
            "AccessToOnlineDataReportingTool": {
              "description": "Describes whether the account have access to an online tool for reprting on expenditure",
              "type": "boolean"
            },
            "CashWithdrawalsAllowed": {
              "description": "Describes whether cash withdrawals are allowed",
              "type": "boolean"
            },
            "ConvenienceCheque": {
              "description": "Describes whether the card account allow convenience cheques",
              "type": "boolean"
            },
            "DaysInterestFreeCreditIfPaymentFull": {
              "description": "Describes how many interest free days are given if the card is fully paid at each term",
              "type": "integer"
            },
            "AnnualAccountFeeType": {
              "description": "Details on annual account fee, such as non payable when there is a turnover above a certain sum",
              "type": "string"
            },
            "IssuingEmergencyCardsFees": {
              "description": "Amount payable for issuing an emergency card",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "AnnualFeeAmount": {
              "description": "Standard fee on the card",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "ChequeFeePercent": {
              "description": "Percentage fee on convenience cheques",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "CashbackPercent": {
              "description": "Percent of cashback on amount spend",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "FeesOnCheque": {
              "description": "Percentage fee on a convenince cheques",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "MinimumRepaymentPercentage": {
              "description": "Minimum repayment as percentage",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "MinimumRepaymentAmount": {
              "description": "Minimum repayment amount",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "PaymentDaysAfterStatement": {
              "description": "How many days after statement is the payment expected",
              "type": "integer"
            },
            "AllocationofRepayment": {
              "description": "Allocation rules for repayment",
              "type": "string"
            },
            "RepaymentNotes": {
              "description": "Additional notes",
              "type": "string"
            },
            "MinimumLendingAmount": {
              "description": "The minimum lending available",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "StatementAtAccountLevel": {
              "description": "Describes whether there is a statement at account level",
              "type": "boolean"
            },
            "StatementAtPersonalLevel": {
              "description": "Describes whether there is a statement at card level",
              "type": "boolean"
            },
            "PaymentSchemeExchangeRate": {
              "description": "The base exchange rate used in settlement of the transaction between issuer and scheme",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "ExchangeRateAdjustment": {
              "description": "The margin added, by certain card issuers, to the scheme rate in order to arrive at the exchange rate qouted as the reference exchange rate to the cardholder",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "PaymentSchemeExchangeFee": {
              "description": "Any payment network fee applied to some or all non-sterling transactions that the card issuer recover directly from the cardholder",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "PaymentSchemeExchangeFeeRate": {
              "description": "Any payment network fee rate applied to some or all non-sterling transactions that the card issuer recover directly from the cardholder",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "NonSterlingTransactionFee": {
              "description": "A fee applied to all non-Sterling card transactions",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "NonSterlingTransactionFeeRate": {
              "description": "A fee rate applied to all non-Sterling card transactions",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "NonSterlingPurchaseFee": {
              "description": "An additional fee applied to certain card retail transactions",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "NonSterlingPurchaseFeeRate": {
              "description": "An additional fee rate applied to certain card retail transactions",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "NonSterlingCashFee": {
              "description": "An additional fee applied to certain card cash withdrawals. This fee also applies to cash near fees such as gambling",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "NonSterlingCashFeeRate": {
              "description": "An additional fee rate applied to certain card cash withdrawals. This fee also applies to cash near fees such as gambling",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "ForeignPurchaseFee": {
              "description": "Additional card fee applied to sterling retail transactions made abroad",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "ForeignPurchaseFeeRate": {
              "description": "Additional card fee rate applied to sterling retail transactions made abroad",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            },
            "ForeignCashFee": {
              "description": "Additional card fee applied to sterling cash withdrawal made abroad",
              "type": "string",
              "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
            },
            "ForeignCashFeeRate": {
              "description": "Additional card fee rate applied to sterling cash withdrawal made abroad",
              "type": "string",
              "pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
            }
          },
          "required": ["MinimumCreditLimit", "RepaymentFrequency", "APRRate", "PurchaseRate", "CashAdvanceRate", "CardScheme", "AccessToOnlineDataReportingTool", "CashWithdrawalsAllowed", "ConvenienceCheque", "DaysInterestFreeCreditIfPaymentFull", "IssuingEmergencyCardsFees", "AnnualFeeAmount", "PaymentDaysAfterStatement", "StatementAtAccountLevel", "StatementAtPersonalLevel", "ExchangeRateAdjustment"],
          "additionalProperties": false
        }
      },
      "required": ["CCSubType", "CommercialCreditCardItem"],
      "additionalProperties": false
    },
    "Eligibility": {
      "description": "Eligibility",
      "type": "object",
      "properties": {
        "AgeRestricted": {
          "description": "Indicates a customer's age is part of eligibility criteria",
          "type": "boolean"
        },
        "MinimumAge": {
          "description": "Minimum age, in years, required to hold an account",
          "type": "integer"
        },
        "MaximumAge": {
          "description": "Maximum age, in years, allowed to hold the account",
          "type": "integer"
        },
        "MaximumAgeToOpen": {
          "description": "Maximum age, in years, to open an account",
          "type": "integer"
        },
        "OtherFinancialHoldingRequired": {
          "description": "Indicates that it is necessary to hold another product with the bank in order to be eligible for this product or feature",
          "type": "boolean"
        },
        "Description": {
          "description": "One paragraph detailing the eligibility",
          "type": "string"
        },
        "IncomeTurnoverRelated": {
          "description": "Indicates if eligibility linked to income",
          "type": "boolean"
        },
        "SingleJointIncome": {
          "description": "Minimum Income Source. For certain products a minimum income is required. This can be mandated as to the single income or to a joint income. This field describes this",
          "type": "string",
          "enum": ["Joint", "SoleIncome", "SoleOrJoint", "Turnover"]
        },
        "MinimumIncomeTurnoverAmount": {
          "description": "Minimum income / Turnover required to hold the product",
          "type": "string",
          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
        },
        "MinimumIncomeTurnoverCurrency": {
          "description": "Minimum income / Turnover Currency",
          "type": "string",
          "pattern": "[A-Z]{3}"
        },
        "IncomeCondition": {
          "description": "Stipulates any particular definition of income that applies to the income eligibility and/or method by which income must paid into the account (eg Salary DD)",
          "type": "string"
        },
        "MinIncomeTurnoverPaidIntoAccount": {
          "description": "Minimum Income Amount required to paid into the account",
          "type": "integer"
        },
        "MinimumIncomeFrequency": {
          "description": "The frequency that the minimum mentioned before is deposited in the account. Yearly is very important for premium accounts",
          "type": "string",
          "enum": ["AcademicTerm", "HalfYearly", "Monthly", "Quarterly", "Weekly", "Yearly"]
        },
        "AnnualBusinessTurnover": {
          "description": "Annual Business Turnover",
          "type": "string",
          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
        },
        "AnnualBusinessTurnoverCurrency": {
          "description": "Annual Business Turnover Currency",
          "type": "string",
          "pattern": "[A-Z]{3}"
        },
        "ResidencyRestricted": {
          "description": "Indicates a customer's residency forms part of the eligibility criteria",
          "type": "boolean"
        },
        "ResidencyRestrictedRegion": {
          "description": "Indicates a customer must be current resident of a geographic area/country",
          "type": "string",
          "enum": ["UK", "EEA", "EU", "EFTA", "GB - ENG", "GB - NIR", "GB - SCT", "GB - WLS", "IRL"]
        },
        "MaxNumberOfAccounts": {
          "description": "Maximum number of the same prodcut the customer may hold",
          "type": "string"
        },
        "ThirdSectorOrganisations": {
          "description": "Is the product available to operate as a Clubs or Societies account?",
          "type": "boolean"
        },
        "MinimumDeposit": {
          "description": "A minimum deposit required to hold this account",
          "type": "boolean"
        },
        "OpeningDepositMinimum": {
          "description": "Minimum Amount to be held on account",
          "type": "string",
          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
        },
        "OpeningDepositMinimumCurrency": {
          "description": "The currency of the Minimum Amount to be depositing at opening",
          "type": "string",
          "pattern": "[A-Z]{3}"
        },
        "MinimumOperatingBalanceExists": {
          "description": "Is there a Minimum Operating Balance?",
          "type": "boolean"
        },
        "MinimumOperatingBalance": {
          "description": "Minimum Operating Balance",
          "type": "string",
          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
        },
        "MinimumOperatingBalanceCurrency": {
          "description": "Minimum Operating Balance currency",
          "type": "string",
          "pattern": "[A-Z]{3}"
        },
        "MaximumOpeningAmount": {
          "description": "A maximum amount to be deposited at opening",
          "type": "boolean"
        },
        "OpeningDepositMaximumAmount": {
          "description": "Maximum Amount to be depositing at opening",
          "type": "string",
          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
        },
        "OpeningDepositMaximumCurrency": {
          "description": "The currency of the Minimum Amount to be depositing at opening",
          "type": "string",
          "pattern": "[A-Z]{3}"
        },
        "EligibilityName": {
          "description": "Free text description, denotes non standard eligibilities not included in the code list",
          "type": "string"
        },
        "EligibilityType": {
          "description": "Eligibility type",
          "type": "string",
          "enum": ["AnyBusinessCustomer", "BusinessOnly", "CreditCard", "CreditScoring", "EmailAddress", "ExistingCustomers", "IdAndV", "Mortgage", "NoArrearsOnLoan", "NoCustomerInArrears", "NoOverOverdraftThirtyDays", "NoSoleUkAccountOrBankrupt", "NTB", "NTBBusiness", "SoleStudentAccount", "SoleUkAccount", "StudentsOnly", "TwoMonthsOfCourseStart", "UCASFulltimeTwoYears"]
        },
        "EligibilityNotes": {
          "description": "Optional additional notes to supplement the eligibility conditions. Only used for very specific conditions",
          "type": "string"
        },
        "PreviousBankruptcy": {
          "description": "Describes if a previous bankruptcy / insolvency disqualfies for this account Details in ELI-280",
          "type": "boolean"
        },
        "MarketingEligibility": {
          "type": "array",
          "items": {
            "description": "Specific eligibility for marketing",
            "type": "string",
            "enum": ["ExistingCustomers", "NewCustomersOnly", "SwitchersOnly", "StartUp"]
          },
          "uniqueItems": true
        }
      },
      "required": ["AgeRestricted", "OtherFinancialHoldingRequired", "Description", "IncomeTurnoverRelated", "ResidencyRestricted", "ThirdSectorOrganisations", "PreviousBankruptcy"],
      "additionalProperties": false
    },
    "Benefits": {
      "description": "Benefit",
      "type": "object",
      "properties": {
        "Benefit": {
          "description": "Describe  one or more benefits if they exist",
          "type": "boolean"
        },
        "BenefitGroup": {
          "type": "array",
          "items": {
            "description": "Benefit Interest Group",
            "type": "object",
            "properties": {
              "BenefitSubType": {
                "description": "Benefit Subtype Code",
                "type": "string",
                "enum": ["FutureMultipleTerms", "Promotional", "Regular"]
              },
              "BenefitItem": {
                "description": "Benefit Item",
                "type": "object",
                "properties": {
                  "StartPromotionOrFutureTerms": {
                    "description": "Describes the start date",
                    "type": "string",
                    "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
                  },
                  "StopPromotionOrFutureTerms": {
                    "description": "Describes the end date",
                    "type": "string",
                    "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
                  },
                  "LengthPromotionalInDays": {
                    "description": "Describes the length if only a duration is given instead of a date in days",
                    "type": "integer"
                  },
                  "DateOfChange": {
                    "description": "Date of the change if it refers to future terms",
                    "type": "string",
                    "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
                  },
                  "BenefitDetail": {
                    "type": "array",
                    "items": {
                      "description": "Benefit detail",
                      "type": "object",
                      "properties": {
                        "BenefitType": {
                          "description": "Type that represents the nature of the benefit",
                          "type": "string"
                        },
                        "BenefitName": {
                          "description": "The name of the benefit",
                          "type": "string"
                        },
                        "BenefitValue": {
                          "description": "The value or values permissible for a specific benefit for an individual product representing a product characteristic",
                          "type": "string"
                        },
                        "DefaultToAccounts": {
                          "description": "Is the benefit part of the default account",
                          "type": "boolean"
                        },
                        "BenefitID": {
                          "description": "Unique benefit identifier per organisation",
                          "type": "string"
                        },
                        "CriteriaType": {
                          "type": "array",
                          "items": {
                            "description": "Criteria that is required in order to be eligible for the Benefit",
                            "type": "string",
                            "enum": ["CashDeposit", "Deposit", "DirectDebit", "InitialDeposit", "InternetLogon", "MobileLogon", "RegularDeposit"]
                          }
                        },
                        "MinimumCriteria": {
                          "description": "Minimum amount for the criteria",
                          "type": "string",
                          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
                        },
                        "MaximumCriteria": {
                          "description": "Maximum amount for the criteria",
                          "type": "string",
                          "pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
                        },
                        "Counter": {
                          "description": "Counter for the criteria (e.g. number of DD)",
                          "type": "integer"
                        },
                        "BenefitDescription": {
                          "description": "A textual explanation of what the benefit is",
                          "type": "string"
                        },
                        "PromotionStartDate": {
                          "description": "If the benefit is temporal the start date is when the benefit comes into effect",
                          "type": "string",
                          "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
                        },
                        "PromotionEndDate": {
                          "description": "If the benefit is temporal the end date is when the benefit is no longer applicable",
                          "type": "string",
                          "pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
                        }
                      },
                      "additionalProperties": false
                    }
                  }
                },
                "additionalProperties": false
              }
            },
            "required": ["BenefitItem"],
            "additionalProperties": false
          }
        }
      },
      "required": ["Benefit"],
      "additionalProperties": false
    }
  },
  "required": ["Organisation", "ProductName", "ProductType", "ProductIdentifier", "ProductURL", "Description", "KeyFeatures", "PaymentHoliday", "TsandCs", "Details", "Eligibility", "Benefits"],
  "additionalProperties": false
}