{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/tokenization-action",
  "title": "Tokenization Action",
  "oneOf": [
    {
      "title": "Decline Action (Tokenization)",
      "type": "object",
      "properties": {
        "type": {
          "type": "string",
          "enum": [
            "DECLINE"
          ],
          "description": "Decline the tokenization request"
        },
        "reason": {
          "type": "string",
          "description": "Reason code for declining the tokenization request",
          "enum": [
            "ACCOUNT_SCORE_1",
            "DEVICE_SCORE_1",
            "ALL_WALLET_DECLINE_REASONS_PRESENT",
            "WALLET_RECOMMENDED_DECISION_RED",
            "CVC_MISMATCH",
            "CARD_EXPIRY_MONTH_MISMATCH",
            "CARD_EXPIRY_YEAR_MISMATCH",
            "CARD_INVALID_STATE",
            "CUSTOMER_RED_PATH",
            "INVALID_CUSTOMER_RESPONSE",
            "NETWORK_FAILURE",
            "GENERIC_DECLINE",
            "DIGITAL_CARD_ART_REQUIRED"
          ]
        }
      },
      "required": [
        "type"
      ]
    },
    {
      "title": "Require TFA Action",
      "type": "object",
      "properties": {
        "type": {
          "type": "string",
          "enum": [
            "REQUIRE_TFA"
          ],
          "description": "Require two-factor authentication for the tokenization request"
        },
        "reason": {
          "type": "string",
          "description": "Reason code for requiring two-factor authentication",
          "enum": [
            "WALLET_RECOMMENDED_TFA",
            "SUSPICIOUS_ACTIVITY",
            "DEVICE_RECENTLY_LOST",
            "TOO_MANY_RECENT_ATTEMPTS",
            "TOO_MANY_RECENT_TOKENS",
            "TOO_MANY_DIFFERENT_CARDHOLDERS",
            "OUTSIDE_HOME_TERRITORY",
            "HAS_SUSPENDED_TOKENS",
            "HIGH_RISK",
            "ACCOUNT_SCORE_LOW",
            "DEVICE_SCORE_LOW",
            "CARD_STATE_TFA",
            "HARDCODED_TFA",
            "CUSTOMER_RULE_TFA",
            "DEVICE_HOST_CARD_EMULATION"
          ]
        }
      },
      "required": [
        "type"
      ]
    }
  ]
}