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OnlineBanking

v3.0.0

FinancialEntity

Finance

v3 schema for regulated online banking systems delivering account, payment, and money movement services directly to customers under financial compliance controls.

Top-level required

Required modules

Capability groups

Entity properties

Canonical Files

Contract URL: https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json

Example URL: https://schemas.meta-aiml.org/v3.0.0/examples/online_banking_example_schema_v3.json

Inheritance Chain

https://schemas.meta-aiml.org/v3.0.0/ontology/financial_entity.json

https://schemas.meta-aiml.org/v3.0.0/archetypes/direct_service.json

Interaction archetype

DirectService

Required Top-level Fields

These fields are enforced by JSON Schema required[] at root level.

@type

ontologicalMode

interactionArchetype

domain

name

description

deliveryFormat

regulatoryInfo

capabilities

structuralMetadata

modules

Non-universal required fields

interactionArchetype

regulatoryInfo

Entity-specific Properties

Keys under properties.properties dedicated to this entity contract.

bankingSegment

contactPoints

identifiers

riskControlTier

socialProfiles

supportsCardManagement

supportsInstantPayments

supportsInternationalTransfers

Modules Contract

Required modules

No required modules for this entity.

Optional modules

authentication

compliance

transactionSecurity

Capabilities Contract

Required capability groups

interaction

financial

Optional capability groups

commerce

content

Governance Validation Rules

Normative rule list from governanceMetadata.sdkValidationRules.

RULE-OBNK-001: @type MUST equal "OnlineBanking"

RULE-OBNK-002: ontologicalMode MUST equal "FinancialEntity"

RULE-OBNK-003: domain MUST equal "Finance"

RULE-OBNK-004: interactionArchetype MUST contain "DirectService"

RULE-OBNK-005: regulatoryInfo.licenses and regulatoryInfo.jurisdictions MUST be present

RULE-OBNK-006: capabilities.interaction MUST be present

Canonical Contract JSON

https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "@context": [
    "https://schemas.meta-aiml.org/v3.0.0/context.jsonld"
  ],
  "@id": "https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json",
  "$id": "https://schemas.meta-aiml.org/v3.0.0/entity/online_banking.json",
  "@type": "OnlineBanking",
  "schemaVersion": "3.0.0",
  "aimlVersion": "3.0.0",
  "title": "Online Banking Entity Schema",
  "description": "v3 schema for regulated online banking systems delivering account, payment, and money movement services directly to customers under financial compliance controls.",
  "examples": [
    {
      "description": "Retail digital bank with account management and payment transfer features",
      "reference": "online_banking_example_retail"
    },
    {
      "description": "SMB banking platform with treasury workflows and transaction monitoring",
      "reference": "online_banking_example_smb"
    }
  ],
  "type": "object",
  "additionalProperties": false,
  "allOf": [
    {
      "$ref": "../ontology/financial_entity.json"
    },
    {
      "$ref": "../archetypes/direct_service.json"
    }
  ],
  "properties": {
    "@type": {
      "const": "OnlineBanking"
    },
    "ontologicalMode": {
      "const": "FinancialEntity"
    },
    "interactionArchetype": {
      "type": "array",
      "contains": {
        "const": "DirectService"
      },
      "items": {
        "type": "string",
        "enum": [
          "DirectService"
        ]
      }
    },
    "domain": {
      "const": "Finance"
    },
    "businessModel": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "InterestSpread",
          "Transactional",
          "Subscription"
        ]
      }
    },
    "deliveryFormat": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "WebApp",
          "MobileApp",
          "API"
        ]
      }
    },
    "name": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedText"
    },
    "description": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedText"
    },
    "shortDescription": {
      "$ref": "../components/multilingual_format.json#/$defs/LocalizedTextOrString"
    },
    "url": {
      "type": "string",
      "format": "uri"
    },
    "foundingDate": {
      "type": "string",
      "format": "date"
    },
    "regulatoryInfo": {
      "type": "object",
      "required": [
        "licenses",
        "jurisdictions"
      ],
      "properties": {
        "licenses": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        },
        "jurisdictions": {
          "type": "array",
          "minItems": 1,
          "items": {
            "type": "string"
          }
        },
        "complianceFrameworks": {
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "KYC",
              "AML_CFT",
              "PCI_DSS",
              "SOX",
              "GDPR"
            ]
          }
        }
      }
    },
    "properties": {
      "type": "object",
      "properties": {
        "bankingSegment": {
          "type": "string",
          "enum": [
            "retail",
            "business",
            "hybrid"
          ]
        },
        "supportsInstantPayments": {
          "type": "boolean"
        },
        "supportsInternationalTransfers": {
          "type": "boolean"
        },
        "supportsCardManagement": {
          "type": "boolean"
        },
        "riskControlTier": {
          "type": "string",
          "enum": [
            "standard",
            "elevated",
            "critical"
          ]
        },
        "contactPoints": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/ContactPoint"
          }
        },
        "socialProfiles": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/SocialProfile"
          }
        },
        "identifiers": {
          "type": "array",
          "items": {
            "$ref": "../components/common_defs.json#/$defs/Identifier"
          }
        }
      }
    },
    "capabilities": {
      "type": "object",
      "required": [
        "interaction",
        "financial"
      ],
      "properties": {
        "interaction": {
          "$ref": "../components/capability_groups.json#/$defs/InteractionCapabilities"
        },
        "financial": {
          "$ref": "../components/capability_groups.json#/$defs/FinancialCapabilities"
        },
        "content": {
          "$ref": "../components/capability_groups.json#/$defs/ContentCapabilities"
        },
        "commerce": {
          "$ref": "../components/capability_groups.json#/$defs/CommerceCapabilities"
        }
      }
    },
    "modules": {
      "type": "object",
      "properties": {
        "authentication": {
          "type": "object",
          "properties": {
            "mfaRequired": {
              "type": "boolean"
            },
            "biometricLoginSupported": {
              "type": "boolean"
            },
            "deviceRiskScoringEnabled": {
              "type": "boolean"
            }
          }
        },
        "transactionSecurity": {
          "type": "object",
          "properties": {
            "anomalyDetectionEnabled": {
              "type": "boolean"
            },
            "limitsEngineEnabled": {
              "type": "boolean"
            },
            "beneficiaryVerificationEnabled": {
              "type": "boolean"
            }
          }
        },
        "compliance": {
          "type": "object",
          "properties": {
            "sanctionsScreeningEnabled": {
              "type": "boolean"
            },
            "transactionMonitoringEnabled": {
              "type": "boolean"
            },
            "auditTrailRetentionYears": {
              "type": "integer",
              "minimum": 1
            }
          }
        }
      }
    },
    "structuralMetadata": {
      "type": "object",
      "properties": {
        "topology": {
          "const": "binary"
        },
        "roles": {
          "const": [
            "user",
            "platform"
          ]
        },
        "valueSource": {
          "const": "platform_provided"
        },
        "transactionFlow": {
          "const": "direct"
        },
        "networkEffects": {
          "const": "none"
        },
        "criticalityClass": {
          "type": "string",
          "enum": [
            "regulated_financial_service",
            "critical_infrastructure"
          ]
        }
      }
    },
    "targetAudience": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "siteCapabilities": {
      "type": "object",
      "properties": {
        "supportedDevices": {
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "desktop",
              "mobile",
              "tablet"
            ]
          }
        },
        "languages": {
          "type": "array",
          "items": {
            "type": "string"
          }
        },
        "accessibilityFeatures": {
          "type": "array",
          "items": {
            "type": "string"
          }
        }
      }
    }
  },
  "required": [
    "@type",
    "ontologicalMode",
    "interactionArchetype",
    "domain",
    "name",
    "description",
    "deliveryFormat",
    "regulatoryInfo",
    "capabilities",
    "structuralMetadata",
    "modules"
  ],
  "validationMetadata": {
    "schemaVersion": "3.0.0",
    "phase": "entity",
    "status": "draft",
    "lastValidated": "2026-02-20T12:00:00Z",
    "validator": "META-AIML QA"
  },
  "semanticAnnotations": {
    "classificationRationale": "OnlineBanking is modeled as FinancialEntity + DirectService because a regulated institution directly provides financial account and payment services.",
    "disambiguationNotes": "Different from payment marketplaces and broker-style intermediaries; this schema is for direct bank-customer service."
  },
  "governanceMetadata": {
    "entityVersion": "3.0.0",
    "introducedIn": "META-AIML v3.0.0",
    "stabilityLevel": "draft",
    "sdkValidationRules": [
      "RULE-OBNK-001: @type MUST equal \"OnlineBanking\"",
      "RULE-OBNK-002: ontologicalMode MUST equal \"FinancialEntity\"",
      "RULE-OBNK-003: domain MUST equal \"Finance\"",
      "RULE-OBNK-004: interactionArchetype MUST contain \"DirectService\"",
      "RULE-OBNK-005: regulatoryInfo.licenses and regulatoryInfo.jurisdictions MUST be present",
      "RULE-OBNK-006: capabilities.interaction MUST be present"
    ]
  }
}

Filled Example Instance

https://schemas.meta-aiml.org/v3.0.0/examples/online_banking_example_schema_v3.json

{
  "@context": [
    "https://schemas.meta-aiml.org/v3.0.0/context.jsonld"
  ],
  "@id": "https://data.meta-aiml.org/v3.0.0/examples/online_banking/horizon-trust-digital-bank",
  "$id": "https://data.meta-aiml.org/v3.0.0/examples/online_banking/horizon-trust-digital-bank",
  "@type": "OnlineBanking",
  "schemaVersion": "3.0.0",
  "aimlVersion": "3.0.0",
  "title": "Example Filled Online Banking Entity Example (Horizon Trust Digital Bank)",
  "ontologicalMode": "FinancialEntity",
  "interactionArchetype": [
    "DirectService"
  ],
  "domain": "Finance",
  "businessModel": [
    "InterestSpread",
    "Transactional",
    "Subscription"
  ],
  "deliveryFormat": [
    "WebApp",
    "MobileApp",
    "API"
  ],
  "name": {
    "en": "Horizon Trust Digital Bank",
    "es": "Horizon Trust Digital Bank",
    "fr": "Horizon Trust Digital Bank"
  },
  "description": {
    "en": "Horizon Trust Digital Bank is a fictional regulated online banking service delivering account operations, card management, domestic and international transfers, and compliance-controlled money movement workflows.",
    "es": "Horizon Trust Digital Bank es un banco digital ficticio y regulado que ofrece operacion de cuentas, gestion de tarjetas y transferencias bajo controles de cumplimiento financiero.",
    "fr": "Horizon Trust Digital Bank est une banque numerique fictive et regulee proposant gestion de compte, cartes et virements avec controle de conformite."
  },
  "shortDescription": {
    "en": "Regulated digital banking platform with direct customer financial service delivery.",
    "es": "Plataforma de banca digital regulada con servicio financiero directo al cliente.",
    "fr": "Plateforme bancaire numerique reglementee avec service financier direct au client."
  },
  "url": "https://horizontrust-bank.example",
  "foundingDate": "2016-01-25",
  "createdDate": "2026-02-20T18:44:00Z",
  "lastModified": "2026-02-20T18:44:00Z",
  "examples": [
    {
      "scenario": "Weekend transfer volume surge",
      "note": "AI should map user intents to direct-service financial flows with risk checks, transaction monitoring, and account-level controls."
    },
    {
      "scenario": "Regulatory audit preparation window",
      "note": "AI should prioritize compliance and auditability metadata while avoiding any credential-like data in outputs."
    }
  ],
  "regulatoryInfo": {
    "licenses": [
      "US-NB-HTDB-2026-001",
      "EU-EMI-HTDB-2026-014"
    ],
    "jurisdictions": [
      "US",
      "EU"
    ],
    "complianceFrameworks": [
      "KYC",
      "AML_CFT",
      "PCI_DSS",
      "SOX",
      "GDPR"
    ]
  },
  "properties": {
    "bankingSegment": "hybrid",
    "supportsInstantPayments": true,
    "supportsInternationalTransfers": true,
    "supportsCardManagement": true,
    "riskControlTier": "critical",
    "contactPoints": [
      {
        "contactType": "customer_service",
        "telephone": "+1-212-555-0186",
        "email": "support@horizontrust-bank.example",
        "url": "https://horizontrust-bank.example/support",
        "areaServed": "US, EU",
        "availableLanguages": [
          "en",
          "es",
          "fr"
        ]
      },
      {
        "contactType": "technical",
        "telephone": "+1-212-555-0127",
        "email": "security@horizontrust-bank.example",
        "url": "https://horizontrust-bank.example/security-center",
        "areaServed": "US, EU",
        "availableLanguages": [
          "en"
        ]
      }
    ],
    "socialProfiles": [
      {
        "platform": "linkedin",
        "url": "https://www.linkedin.com/company/horizon-trust-bank",
        "username": "horizon-trust-bank"
      },
      {
        "platform": "twitter",
        "url": "https://twitter.com/horizontrustbank",
        "username": "horizontrustbank"
      }
    ],
    "identifiers": [
      {
        "type": "url",
        "value": "https://horizontrust-bank.example"
      },
      {
        "type": "custom",
        "value": "OBNK-HTB-001"
      }
    ]
  },
  "capabilities": {
    "interaction": {
      "features": [
        "messaging",
        "notifications"
      ],
      "interactionMethods": [
        "online_form",
        "chat",
        "phone_call"
      ],
      "availableActions": [
        "check_balance",
        "initiate_transfer",
        "manage_card",
        "contact_support"
      ],
      "hasMessaging": true,
      "hasComments": false,
      "hasRating": false,
      "hasReviews": false,
      "hasSocialGraph": false,
      "hasFeed": false,
      "hasNotifications": true,
      "hasMatching": false,
      "realTimeCommunication": true,
      "moderationEnabled": true,
      "privacyControls": [
        "private"
      ]
    },
    "financial": {
      "features": [
        "payments",
        "invoicing",
        "refunds",
        "wallet",
        "billing",
        "subscriptionManagement",
        "currencyExchange"
      ],
      "paymentMethods": [
        "bank_transfer",
        "credit_card",
        "debit_card",
        "digital_wallet"
      ],
      "acceptsCreditCards": true,
      "currencies": [
        "USD",
        "EUR",
        "GBP"
      ],
      "priceRange": "service_tiered",
      "commissionModel": "flat_fee",
      "commissionRate": 0.5,
      "supportsSubscriptions": true,
      "supportsInvoicing": true,
      "refundPolicy": "partial_refund"
    },
    "content": {
      "features": [
        "publishing",
        "search",
        "categories",
        "archives"
      ],
      "contentTypes": [
        "policy",
        "faq",
        "security_notice",
        "service_update"
      ],
      "contentFormats": [
        "text",
        "html",
        "pdf"
      ],
      "contentAccess": [
        "public",
        "member"
      ],
      "editorialControl": true,
      "userGeneratedContent": false,
      "mediaHosting": false,
      "searchPossible": true,
      "hasCategorization": true,
      "hasTagging": false,
      "archiveAccess": true,
      "rssFeeds": false
    },
    "commerce": {
      "features": [
        "checkout",
        "pricing"
      ],
      "hasProductCatalog": false,
      "catalogSize": 0,
      "supportsCart": false,
      "supportsCheckout": true,
      "hasOrderTracking": false,
      "recommendationEngine": false,
      "vendorManagement": false,
      "searchCapability": false,
      "filteringOptions": []
    }
  },
  "modules": {
    "authentication": {
      "mfaRequired": true,
      "biometricLoginSupported": true,
      "deviceRiskScoringEnabled": true
    },
    "transactionSecurity": {
      "anomalyDetectionEnabled": true,
      "limitsEngineEnabled": true,
      "beneficiaryVerificationEnabled": true
    },
    "compliance": {
      "sanctionsScreeningEnabled": true,
      "transactionMonitoringEnabled": true,
      "auditTrailRetentionYears": 10
    }
  },
  "structuralMetadata": {
    "topology": "binary",
    "roles": [
      "user",
      "platform"
    ],
    "valueSource": "platform_provided",
    "transactionFlow": "direct",
    "networkEffects": "none",
    "criticalityClass": "regulated_financial_service"
  },
  "targetAudience": [
    "retail_customers",
    "small_businesses",
    "high_frequency_transactors"
  ],
  "siteCapabilities": {
    "supportedDevices": [
      "desktop",
      "mobile",
      "tablet"
    ],
    "languages": [
      "en",
      "es",
      "fr"
    ],
    "accessibilityFeatures": [
      "keyboard_navigation",
      "screen_reader_labels",
      "high_contrast_mode",
      "text_scaling"
    ]
  },
  "validationMetadata": {
    "schemaVersion": "3.0.0",
    "phase": "example_instance",
    "status": "reference",
    "lastValidated": "2026-02-20T18:44:00Z",
    "validator": "META-AIML SDK v3"
  },
  "semanticAnnotations": {
    "classificationRationale": "OnlineBanking is modeled as FinancialEntity plus DirectService because the institution directly serves customers under regulated financial controls.",
    "disambiguationNotes": "This is not a marketplace or broker model. No credential data is embedded. Contract describes architecture and operational controls only.",
    "intendedUse": "Canonical filled reference for financial institutions publishing static schema metadata in website headers."
  },
  "governanceMetadata": {
    "entityVersion": "3.0.0",
    "introducedIn": "META-AIML v3.0.0",
    "stabilityLevel": "reference",
    "sdkValidationRules": [
      "RULE-OBGF-001: @type MUST equal \"OnlineBanking\"",
      "RULE-OBGF-002: ontologicalMode MUST equal \"FinancialEntity\"",
      "RULE-OBGF-003: domain MUST equal \"Finance\"",
      "RULE-OBGF-004: interactionArchetype MUST contain exactly one value: \"DirectService\"",
      "RULE-OBGF-005: regulatoryInfo MUST provide licenses, jurisdictions, and compliance frameworks",
      "RULE-OBGF-006: capabilities MUST include interaction and financial groups",
      "RULE-OBGF-007: modules.authentication and modules.transactionSecurity MUST be present",
      "RULE-OBGF-008: structuralMetadata constants MUST align with DirectService archetype"
    ]
  }
}

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