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NOTE: This is an overview page, make general comments here. Do not make specific comments on the suggested additions here, they will get their own pages in due course.
This not note identifies a number of concepts that are needed for the loans ontology, but that are not loan-specific. I recommend that they be added somewhere else in FIBO. For example, we need a property that points to a contract that the current contract was based on in some way. E.g. for an assumed mortgage.
...
- agree on the URI and definition for the concept
- agree on what ontology it belongs in
- add the concept to that new ontology under the accepted change management policies
- rename the concept in the loans ontology to be the new URI.
Categorizing Work
- Simple changes, well defined
List by Concept Type
| Resource | Def |
|---|---|
| lnu:ActualPayment | An actual payment occcurrence, whereby the borrower submits payment in order to fulfill an obligation to repay a loan. |
| lnu:Application | A request submitted by an applicant to receive something (e.g. a licence, a loan, a membership). Is accompanied by documentation of pertinent information to determine whether the request should be granted. |
| lnu:BE-ContactPurpose | A virtual address for communication via phone. |
| lnu:ChargeCategory | A specific indicator of what a charge is for (e.g. closing costs, interest) |
| lnu:ConstructionType | A particular kind of construction |
| lnu:ContactInfo | A way to make contact with a person or organization for a particular reason regarding something. The details may be role-specific, so the information cannot always go on the individual or organization. |
| lnu:DwellingCapacity | A category indicating how many dwellings some property has. |
| lnu:FNDInformationProduct | A Product that is informational in nature, rather than physical. |
| lnu:MetroDivision | Metropolitan division (MD) is an area specified by the government to describe a subsection of a certain metropolitan statistical area. In the US, this is governed by the Census Department. |
| lnu:MetroStatArea | Metropolitan statistical area (MSA) is an area specified by the government to describe a certain metropolitan statistical area. In the US, this is governed by the Census department. |
| lnu:PaymentHistory | A record of actual payments of principal, interest, and other related amounts made by a borrower to a lender or servicer in order to fulfill their re-payment obligation. |
| lnu:PaymentSchedule | A Schedule of amounts of principal and interest that are due over the term of the loan in order to fully pay off the obligation. |
| lnu:PropertyInspection | The act of analyzing one or more aspects of a real property for independent assessment of status or deficiency. |
| lnu:Report | A body of information organized in a narrative, graphic, or tabular form, prepared on ad hoc, periodic, recurring, regular, or as required basis. Reports may refer to specific periods, events, occurrences, or subjects, and may be communicated or presented in oral or written form. |
| lnu:RiskAssesssment | An information product derived from the transaction history of a credit account. |
| lnu:ScheduledPayment | A scheduled payment occurrence that is part of a payment schedule covering the term of the loan. |
| lnu:Specification | A body of information specifying what properties, structure and/or results something should or must have after it has been built, fulfilled or completed. The thing may be physical (a building), organizational (a management structure), computational (a program), job or task related (e.g., a CEO, Chief Judge) or changing oil in a car. It may be a set of characteristics saying what something must be, or a set of instructions saying how to do something. |
| lnu:Text | A set of words and characters expressed in some language. E.g. a description, a message |
| lnu:TransactionEvent | |
| lnu:TransactionHistory | A record of actual account transactions, be they payments, withdrawls etc. |
| lnu:Valuation | A Measurement to assess the value of something, e.g. a house, or a bond. The result is in some currency. |
| lnu:adr-EmailAddress | A virtual address for sending email communication to. |
| lnu:adr-PhoneNumber | A virtual address for communication via phone. |
| lnu:alx-Measurement | The act of taking a measurement. Some measurement procedure is used to measure some aspect of something giving a result typicalliy expressed in some units . E.g. a valuation measuring the value of an asset expressedin USD |
| lnu:fbc-SecurityAgreement | Agreement between two trading parties that contains information about their relative duties and rights regarding the disposition of a specified asset that has been used as collateral. Adapted from ISO 20022. |
| lnu:fnd-Request | An agent asks another agent for something or to do something. |
| lnu:fnd-Response | The act of responding to an Occurrence, often a communication. |
| lnu:fnd-RiskAssesssment | The occurrence of assessing the risk of something. |
| lnu:pas-LineItem | A description of a product or service including its unit cost, number of units and total cost. |
| lnu:pas-MarketCategory | Specifies the market domain in which a product is offered. |
| lnu:pas-mfu-Offer | A commitment to provide a product or service for an agreed price, if a buyer comes along. |
| lnu:pty-CreditReportingAgency_I | This is the independent party, not the party in role |
| lnu:pty-CreditRepository_I | This is the independent party, not the party in role |
Classes:
- loan:fibo-pas-mfu-Offer
- loan:fibo-alx-mfu-Measurement
- Create as a subclass of Occurrence.
- hand off to FND,
- loan:fibo-mfu-Valuation
- hand off to FBC
- loan:fibo-fbc-mfu-Settlement
- loan:mfu-Report
- loan:fibo-mfu-ApplicationDocument
- loan:fibo-mfu-MetroDivision
- loan:fibo-mfu-MetroStatArea
- loan:mfu-EIN
- loan:adr-mfu-EmailAddress
- loan:adr-mfu-PhoneNumber
- loan:fibo-mfu-Specification (optional, for information artifacts that indicate how, what, when something should must or may be done. It includes agreements, regulations, monetary amounts etc. Makes for a less flat hierarchy.) There is an sm:Specification, but it is a skos:Concept which is not what we want).
- loan:fibo-Inspection
- loan:fibo-instantiates
- loan:fibo-InsuranceContract
- loan:fibo-InsuranceType
Object Properties:
- loan:fibo-own-mfu-hasValue to connect Asset to its value
- loan:ctr-mfu-originalContract
- loan:rel-mfu-hasMember [loan:rel-mfu-isMemberOf ] (meaning generic member)
- loan:fibo-own-mfu-hasValue (use hasNotionalAmount)
- loan:dt-fd-mfu-coversPeriod (e.g for when the scope of something is a DatePeriod, e.g a reporting period)
- loan:rel-mfu-isProducedBy (to generalized pas:isProducedBy that only applies to a Product).
- loan:rel-mfu-submittedBy (for forms, legal documents etc)
- loan:mfu-ContactInfo
- loan:mfu-hasOrgContactInfo
- loan:mfu-hasIndividualContactInfo
- loan:fibo-appraiser
- loan:fibo-seniorAppraiser
- loan:fibo-participant
- loan:fibo-giver, loan:fibo-getter
- loan:fibo-input(inputOn) output(outputOn)
- loan:fibo-insuranceProvider
- loan:fibo-itemInspected
- loan:fibo-itemOffered
- loan:fibo-performedBy
Data Properties
- loan:rel-mfu-hasCount (to generalize fibo-fnd-dt-fd which only applies to a RegularSchedule)
- loan:mfu-hasString – to connect a text object to its string.
List by Ontology Grouping
FND
Arrangements: fibo-fnd-arr-arr
...
loan:fibo-pas-mfu-Offer: A commitment to provide a product or service for an agreed price if a buyer comes along.
FBC
Not Sure which ontology:
fibo-fbc-mfu-Settlement: An Occurrence whereby monies are transferred to the parties' accounts, e.g. for a trade or a loan.
...
fibo-fbc-mfu-ApplicationDocument: A Document used to apply for something.
UNSURE where it should go.
loan:fibo-mfu-Valuation: A Measurement to assess the value of something, e.g. a house, or a bond. The result is in some currency.
...