{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://temenos.com/schemas/temenos/account.json",
  "title": "Temenos Banking Account",
  "description": "Schema for Temenos banking account arrangements including current accounts, savings accounts, deposits, and loans with balance information and product configuration.",
  "type": "object",
  "required": ["accountId", "customerId", "accountType", "currency", "status"],
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Unique account identifier assigned by the Temenos system"
    },
    "customerId": {
      "type": "string",
      "description": "Identifier of the customer who owns the account"
    },
    "accountName": {
      "type": "string",
      "description": "Display name for the account",
      "maxLength": 100
    },
    "accountType": {
      "type": "string",
      "description": "Classification of the account type",
      "enum": ["CURRENT", "SAVINGS", "DEPOSIT", "LOAN", "MORTGAGE", "ISLAMIC"]
    },
    "productId": {
      "type": "string",
      "description": "Product identifier defining the account terms and conditions"
    },
    "currency": {
      "type": "string",
      "description": "Account currency in ISO 4217 format",
      "pattern": "^[A-Z]{3}$"
    },
    "status": {
      "type": "string",
      "description": "Current operational status of the account",
      "enum": ["ACTIVE", "INACTIVE", "CLOSED", "DORMANT", "SUSPENDED"]
    },
    "openingDate": {
      "type": "string",
      "format": "date",
      "description": "Date the account was opened"
    },
    "closingDate": {
      "type": ["string", "null"],
      "format": "date",
      "description": "Date the account was closed, null if still active"
    },
    "balances": {
      "$ref": "#/$defs/AccountBalances"
    },
    "interestRate": {
      "type": ["number", "null"],
      "description": "Applied interest rate as a percentage",
      "minimum": 0
    },
    "maturityDate": {
      "type": ["string", "null"],
      "format": "date",
      "description": "Maturity date for term deposits and loans"
    },
    "branchId": {
      "type": "string",
      "description": "Branch identifier where the account is held"
    },
    "iban": {
      "type": "string",
      "description": "International Bank Account Number",
      "pattern": "^[A-Z]{2}[0-9]{2}[A-Z0-9]{4,30}$"
    },
    "bic": {
      "type": "string",
      "description": "Bank Identifier Code (SWIFT code)",
      "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
    }
  },
  "$defs": {
    "AccountBalances": {
      "type": "object",
      "description": "Account balance breakdown across different balance types",
      "properties": {
        "workingBalance": {
          "type": "number",
          "description": "Current working balance including all posted transactions"
        },
        "availableBalance": {
          "type": "number",
          "description": "Balance available for new transactions after holds and limits"
        },
        "lockedAmount": {
          "type": "number",
          "description": "Amount currently held or locked for pending operations",
          "minimum": 0
        },
        "clearedBalance": {
          "type": "number",
          "description": "Balance of cleared and settled funds only"
        },
        "pendingDebits": {
          "type": "number",
          "description": "Sum of pending debit transactions",
          "minimum": 0
        },
        "pendingCredits": {
          "type": "number",
          "description": "Sum of pending credit transactions",
          "minimum": 0
        },
        "overdraftLimit": {
          "type": ["number", "null"],
          "description": "Approved overdraft limit if applicable",
          "minimum": 0
        }
      }
    }
  }
}