- From: Michele Meloni <cleaversdev@gmail.com>
- Date: Thu, 25 Oct 2018 09:42:18 +0200
- To: Richard Wallis <richard.wallis@dataliberate.com>
- Cc: Andrew Bransford Brown <andrewbb@gmail.com>, public-fibo@w3.org
- Message-ID: <CAH3_WGQnLk=rqUFOyvg-Mjk-cF9vOn--Tm7oE+BhSPrs-=QPUA@mail.gmail.com>
Sounds good to use a collection of moneyTransfer for serviceOutput. Money
Transfer inherit from transferAction that has fromLocation to location. I
think that I can replace (extending schema) these properties with
fromAccount, toAccount. Use other properties it seems like a stretch.
As @richard said schema.org is a bit immature to manage this flow.
Il mer 24 ott 2018, 16:04 Richard Wallis <richard.wallis@dataliberate.com>
ha scritto:
> OK - quick question before going deeper.
>
> Where are you planning to share this data? The target audience for
> Schema.org being websites openly sharing data for search engine crawlers
> and others to harvest, and potentially within emails.
>
> As a bit of background, the FIBO-Schema.org work has not yet gone as far
> as detailing contracts etc. At the moment it has paused at the point of
> structures mostly useful for marketing what a bank or similar offers to
> potential clients.
>
> Having said that, there is a way forward using the current structures
> towards your needs, by defining a *LoanOrCredit* that has *MoneyTransfer*(s)
> as its *serviceOutput*:
>
> {
> "@context": "http://schema.org",
> "@type": "LoanOrCredit",
> "name": "Sample credit payments",
> "serviceOutput": [
> {
> "@type": "MoneyTransfer",
> "name": "Sample credit payments",
> "amount": {
> "@type": "MonetaryAmount",
> "name": "Payment No 1",
> "currency": "GBP",
> "value": "100.00",
> "validThrough": "2018-11-01"
> },
> "agent": {
> "@type": "BankOrCreditUnion",
> "name": "The Rilthy Rich Bank"
> },
> "object": {
> "@type": "Person",
> "name": "Mr Joe Soap"
> },
> "beneficiaryBank": {
> "@type": "BankOrCreditUnion",
> "name": "Joe's Personal Bank"
> }
> },
> {
> "@type": "MoneyTransfer",
> "name": "Sample credit payments",
> "amount": {
> "@type": "MonetaryAmount",
> "name": "Payment No 2",
> "currency": "GBP",
> "value": "100.00",
> "validThrough": "2018-12-01"
> },
> "agent": {
> "@type": "BankOrCreditUnion",
> "name": "The Rilthy Rich Bank"
> },
> "object": {
> "@type": "Person",
> "name": "Mr Joe Soap"
> },
> "beneficiaryBank": {
> "@type": "BankOrCreditUnion",
> "name": "Joe's Personal Bank"
> }
> }
> ]
> }
>
>
> ~Richard
> Richard Wallis
> Founder, Data Liberate
> http://dataliberate.com
> Linkedin: http://www.linkedin.com/in/richardwallis
> Twitter: @rjw
>
>
>
> On Wed, 24 Oct 2018 at 14:35, Andrew Bransford Brown <andrewbb@gmail.com>
> wrote:
>
>> That works to describe the payment, but is insufficient to describe the
>> contract. Use this as your base data structure:
>>
>> CommerceID EventType Description EventDateTime
>> MyBankIDNumber Offer-Loan $10,000 2018-10-24 09:00:00
>> MyBankIDNumber Terms-Rate 10% 2018-10-24 09:00:00
>> MyBankIDNumber Terms-Length 60 months 2018-10-24 09:00:00
>> BorrowerIDNumber Agree 2018-10-25 09:00:00
>> //this becomes a legal contract here.
>> MyBankIDNumber Deliver-Loan $10,000 2018-11-01 09:00:00
>> BorrowerIDNumber Deliver-Payment $500 2019-01-01 09:00:00
>> BorrowerIDNumber Deliver-Payment $500 2019-02-01 09:00:00
>> ....
>> //after all payments are made, both parties would issue "Complete" events
>> to end the contract.
>> MyBankIDNumber Complete 2024-12-01 11:00:00
>> BorrowerIDNumber Complete 2024-12-01 12:00:00
>>
>>
>> The above 'transaction stack' has sufficient granularity for any legal
>> contract.
>>
>>
>> On Wed, Oct 24, 2018 at 8:30 PM Richard Wallis <
>> richard.wallis@dataliberate.com> wrote:
>>
>>> OK - I got the wrong end of your question.
>>>
>>> The properties (of *MoneyTransfer*) you are looking for are *agent* (*The
>>> direct performer or driver of the action*) and *object* (*The object
>>> upon which the action is carried out*... ) which could be considered as
>>> the *Thing* (*Person*) that benefitted from the action (received the
>>> funds).
>>>
>>> Something like this:
>>>
>>> {
>>> "@context": "http://schema.org",
>>> "@type": "MoneyTransfer",
>>> "name": "Sample credit payments",
>>> "amount": [
>>> {
>>> "@type": "MonetaryAmount",
>>> "name": "Payment No 1",
>>> "currency": "GBP",
>>> "value": "100.00",
>>> "validThrough": "2018-11-01"
>>> },
>>> {
>>> "@type": "MonetaryAmount",
>>> "name": "Payment No 2",
>>> "currency": "GBP",
>>> "value": "100.00",
>>> "validThrough": "2018-12-01"
>>> }
>>> ],
>>> "agent": {
>>> "@type": "BankOrCreditUnion",
>>> "name": "The Rilthy Rich Bank"
>>> },
>>> "object": {
>>> "@type": "Person",
>>> "name": "Mr Joe Soap"
>>> },
>>> "beneficiaryBank": {
>>> "@type": "BankOrCreditUnion",
>>> "name": "Joe's Personal Bank"
>>> }
>>> }
>>>
>>>
>>>
>>>
>>> Richard Wallis
>>> Founder, Data Liberate
>>> http://dataliberate.com
>>> Linkedin: http://www.linkedin.com/in/richardwallis
>>> Twitter: @rjw
>>>
>>>
>>>
>>> On Wed, 24 Oct 2018 at 14:12, Michele Meloni <cleaversdev@gmail.com>
>>> wrote:
>>>
>>>> Thanks Richard,
>>>> MonetaryAmount has no source or destination properties for the
>>>> transaction and I think that are mandatory.
>>>>
>>>> Il giorno mer 24 ott 2018 alle ore 14:31 Richard Wallis <
>>>> richard.wallis@dataliberate.com> ha scritto:
>>>>
>>>>> I would suggest the most appropriate route would be to use multiple
>>>>> amounts thus:
>>>>>
>>>>>
>>>>> {
>>>>> "@context": "http://schema.org",
>>>>> "@type": "LoanOrCredit",
>>>>> "name": "Sample credit payments",
>>>>> "amount": [
>>>>> {
>>>>> "@type": "MonetaryAmount",
>>>>> "name": "Payment No 1",
>>>>> "currency": "GBP",
>>>>> "value": "100.00",
>>>>> "validThrough": "2018-11-01"
>>>>> },
>>>>> {
>>>>> "@type": "MonetaryAmount",
>>>>> "name": "Payment No 2",
>>>>> "currency": "GBP",
>>>>> "value": "100.00",
>>>>> "validThrough": "2018-12-01"
>>>>> }
>>>>> ]
>>>>> }
>>>>>
>>>>>
>>>>> Hope that helps,
>>>>> ~Richard
>>>>>
>>>>> Richard Wallis
>>>>> Founder, Data Liberate
>>>>> http://dataliberate.com
>>>>> Linkedin: http://www.linkedin.com/in/richardwallis
>>>>> Twitter: @rjw
>>>>>
>>>>>
>>>>>
>>>>> On Fri, 19 Oct 2018 at 13:43, Michele Meloni <cleaversdev@gmail.com>
>>>>> wrote:
>>>>>
>>>>>> Hi all,
>>>>>> what is the correct way to rapresents a transaction of money between
>>>>>> two bank account?
>>>>>> In ours case a loan can be made by multiple money transactions.
>>>>>> How can make a connection between a series of money transfer and a
>>>>>> loan.
>>>>>>
>>>>>> I'm triing to use MoneyTransfer for the transaction and LoanOrCredit
>>>>>> for the loan.
>>>>>>
>>>>>> What do you think about that?
>>>>>>
>>>>>> Thanks in advance
>>>>>>
>>>>>>
>>>>>> --
>>>>>> *Michele Meloni*
>>>>>>
>>>>>> *Php Senior Software Developer*
>>>>>>
>>>>>> *http://www.linkedin.com/pub/michele-meloni/27/109/789
>>>>>> <http://www.linkedin.com/pub/michele-meloni/27/109/789>*
>>>>>>
>>>>>
>>>>
>>>> --
>>>> *Michele Meloni*
>>>>
>>>> *Php Senior Software Developer*
>>>>
>>>> *http://www.linkedin.com/pub/michele-meloni/27/109/789
>>>> <http://www.linkedin.com/pub/michele-meloni/27/109/789>*
>>>>
>>>
Received on Thursday, 25 October 2018 07:42:58 UTC