Wikidata:Property proposal/CardProps
Credit Card Properties edit
I am proposing several properties that can be used to accurately represent and structure data about individual credit cards (or other payment cards). This information could be used so people can accurately find and use information about their credit cards from a single source, without dealing with marketing and hidden data. I've tried to align with http://schema.org/PaymentCard where possible. A full example is defined below:
Chase Sapphire Reserve (Chase Sapphire Reserve (Q38074863))
- Card Network: Visa Inc. (Q328840)
- Issuer: JPMorgan Chase Bank, N.A. (Q524629)
- Reward Program: Chase Ultimate Rewards (Q38073885)
- official website (P856): https://creditcards.chase.com/credit-cards/chase-sapphire-reserve
- URL (P2699): https://applynow.chase.com/FlexAppWeb/pricing.do?card=FP4B&page_type=appterms
- Qualifier: instance of (P31) → terms of service (Q7214489)
- fee (P2555): 450 (units: United States dollar (Q4917)) (This means the annual fee is 450/year and is waived the first year)
- Qualifier: Grace Period: 1 year (Q577)
- Qualifier: duration (P2047): 1 year (Q577)
- Minimum Spend Bonus: 50,000 (units: Chase Ultimate Reward Point (Q38074153))
- Qualifier: duration (P2047): 3 (units: month (Q5151))
- Qualifier: cost (P2130): 4,000 (units: United States dollar (Q4917))
- Cash Back: 3 (units: percent (Q11229))
- Qualifier: applies to part (P518): travel (Q61509)
- Qualifier: applies to part (P518): restaurant (Q11707)
- Reward: credit (Q305253)
- Qualifier: cost (P2130): 300 (units: United States dollar (Q4917))
- Qualifier: applies to part (P518): travel (Q61509)
- Reward: Q38074522
I'm not sure about "applies to part", maybe another better qualifier could be used.
This could potentially have other properties, such as:
- Foreign Transaction Fee: 0 (units: percent (Q11229))
- made from material (P186): Metal vs plastic
- image (P18): https://creditcards.chase.com/R-Marketplace/1110008/images/cardart/sapphire_reserve_card.png
- APR
and include other perks such as:
ChristianMoore (talk) 18:42, 28 August 2017 (UTC)
It has been almost a month, can one of the Propertycreators create these? Thank you in advance
ChristianMoore (talk) 07:35, 25 September 2017 (UTC)
Support @ChristianMoore: Seems you've thought a lot about these props, so I support them en-masse. Could you consider generalizing some of them to other financial products as well? The full Schema Financial documentation is here http://schema.org/docs/financial.html --Vladimir Alexiev (talk) 09:45, 3 October 2017 (UTC)
Card Network edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | Credit or Debit Card Network |
|---|---|
| Represents | payment processor (Q17074350) |
| Data type | Item |
| Domain | payment card (Q1436963) |
| Allowed values | Examples: Visa Inc. (Q328840), Mastercard (Q489921), American Express (Q194360), "Discover Bank" |
| Example | Chase Sapphire Reserve (Q38074863) → Card Network → Visa Inc. (Q328840) |
| Source | Individual card websites |
| Planned use | See description |
| See also | operator (P137) |
See Wikidata:Property_proposal/Generic/CardProps
- Discussion
- How is this different from operator (P137) ("person or organization that operates the equipment, facility, or service"), besides for the added level of specificity? (I'm not very knowledgeable about how credit card networks work.) --Yair rand (talk) 00:26, 1 September 2017 (UTC)
- The card network could also be described as the Payment Processor, as they do not "operate" or "manage" the card but instead process the transactions (and other duties, see here). I do think we can use operator (P137) for "Issuer" though, and have updated the property proposal to indicate. ChristianMoore (talk) 21:15, 1 September 2017 (UTC)
Support per Vladimir Alexiev − Pintoch (talk) 08:14, 25 October 2017 (UTC)- @Pintoch, Yair rand, ChristianMoore, Vladimir_Alexiev:
Done Created as card network (P4443). ChristianKl (talk) 10:47, 30 October 2017 (UTC)
Issuer edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | Credit or Debit Card Issuer |
|---|---|
| Represents | Issuer (Q1337949) |
| Data type | Item |
| Domain | payment card (Q1436963) |
| Allowed values | Examples: JPMorgan Chase Bank, N.A. (Q524629), Wells Fargo (Q744149) |
| Example | Chase Sapphire Reserve (Q38074863) → Issuer → JPMorgan Chase Bank, N.A. (Q524629) |
| Source | Individual card websites |
| Planned use | See description |
| See also | issued by (P2378) |
See Wikidata:Property_proposal/Generic/CardProps
- Discussion
- Should we expand the scope of issued by (P2378) to cover this usage? ChristianKl (talk) 15:07, 29 August 2017 (UTC)
- That should work! It already has a couple uses with non-identifiers, see: Oyster card (Q249400) -> issued by -> Transport for London (Q682520),Hospital Corpsman (Q1034117) -> issued by -> United States Navy (Q11220). ChristianMoore (talk) 18:10, 29 August 2017 (UTC)
- No, I don't think so. P2378 has a reasonably clear scope without much relation to this sense of issuer. I suspect there may be another existing property that might work for this, though... --Yair rand (talk) 00:18, 1 September 2017 (UTC)
- I think we could use operator (P137) ("person or organization that operates the equipment, facility, or service") as the Issuer of the card. ChristianMoore (talk) 21:16, 1 September 2017 (UTC)
Oppose as it looks like we already have the properties for that − Pintoch (talk) 08:20, 25 October 2017 (UTC)- @ChristianMoore, Vladimir_Alexiev, Pintoch, Yair rand: Not done, use operator (P137). ChristianKl (talk) 10:54, 30 October 2017 (UTC)
Reward Program edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | The reward program associated with a particular item |
|---|---|
| Represents | reward program (Q38075442) |
| Data type | Item |
| Domain | payment card (Q1436963) |
| Allowed values | Reward programs |
| Example | Chase Sapphire Reserve (Q38074863) → Reward Program → Chase Ultimate Rewards (Q38073885) |
| Source | Individual card websites |
| Planned use | See description |
See Wikidata:Property_proposal/Generic/CardProps
- Discussion
- Support − Pintoch (talk) 08:20, 25 October 2017 (UTC)
- @ChristianMoore, Vladimir_Alexiev, Pintoch: Done Created as reward program (P4446). ChristianKl (talk) 10:53, 30 October 2017 (UTC)
Minimum Spend Bonus edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | Reward for spending a sum of money |
|---|---|
| Data type | Number (not available yet) |
| Domain | payment card (Q1436963) |
| Allowed units | types of loyalty points (Chase Ultimate Reward Point (Q38074153), SkyMiles (Q16984670)) |
| Example | Chase Sapphire Reserve (Q38074863) → 50,000 (units: Chase Ultimate Reward Point (Q38074153)) |
See Wikidata:Property_proposal/Generic/CardProps
- Discussion
- Support − Pintoch (talk) 08:21, 25 October 2017 (UTC)
- @ChristianMoore, Vladimir_Alexiev, Pintoch: Done Created as minimum spend bonus (P4447). ChristianKl (talk) 10:56, 30 October 2017 (UTC)
Cash Back edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | Cash or Points received for spending money as part of a loyalty program |
|---|---|
| Data type | Number (not available yet) |
| Domain | payment card (Q1436963) |
| Allowed units | currency |
| Example | Chase Sapphire Reserve (Q38074863) → 3 (units: percent (Q11229)), qualifiers: applies to part (P518): travel (Q61509) |
| Source | Individual card websites |
See Wikidata:Property_proposal/Generic/CardProps. The items used for the applies to qualifier will have to be structured. There isn't a really good source of data for the different reward categories, however the Visa Supplier Locator could be used to help define these categories.
- Discussion
- Currently, the description says "Cash or Points" whie the allowed unit is set to currency. How does this work with a card that gives points? ChristianKl (talk) 15:05, 29 August 2017 (UTC)
- Good question. There should be another qualifier: currency (P38), with the reward currency that is being earned. So for example, in a card that gives "cashback" as points: Chase Sapphire Reserve (Q38074863) -> Cash Back -> 3, qualifiers: currency (P38): Chase Ultimate Reward Point (Q38074153), applies to part (P518): travel (Q61509). So spending $100 on travel would give you 3x100 = 300 Chase UR points. For a card that gives you straight cash back: Card -> Cash Back -> 3 (units: percent (Q11229)), currency (P38): United States dollar (Q4917). Meaning spending $100 would give you 100*0.03=$3 back. ChristianMoore (talk) 19:00, 29 August 2017 (UTC)
- This is a little complicated as you really have two currencies, the currency you spend and the currency you get back as an award. I'd say that the currency you spend does not really matter because you are getting back a percentage of, or multiplier of that value, and so the currency/units of cash spent is irrelevant. Maybe to make it clearer, in the first example (Chase UR), we have a unit "multiplier" on the 3, meaning you get back 3x of whatever you spent in units "units". ChristianMoore (talk) 19:00, 29 August 2017 (UTC)
- @ChristianMoore, Vladimir_Alexiev: Done Created as cash back (P4448). ChristianKl (talk) 10:57, 30 October 2017 (UTC)
Reward edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | A reward, bonus, or prize received as part of a membership or loyalty program |
|---|---|
| Data type | Item |
| Domain | payment card (Q1436963) |
| Example | Chase Sapphire Reserve (Q38074863) → reward → Q38074522 (this was deleted, so another example: travel insurance (Q1270407)) |
- Discussion
- @ChristianMoore, Vladimir_Alexiev: Done Created as reward (P4444). ChristianKl (talk) 10:49, 30 October 2017 (UTC)
Grace Period edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | period immediately after the deadline for an obligation during which a fee is waived |
|---|---|
| Represents | grace period (Q4148421) |
| Data type | Number (not available yet) |
| Domain | used as a qualifier on a fee |
| Allowed units | time |
| Example | Chase Sapphire Reserve (Q38074863) → fee (P2555) → 450, qualifier: grace period: 1 year |
- Discussion
- @ChristianMoore, Vladimir_Alexiev: Done Created as grace period (P4445). ChristianKl (talk) 10:51, 30 October 2017 (UTC)
Merchant Category Code edit
Originally proposed at Wikidata:Property proposal/Generic
| Description | four-digit number used to classify businesses by the type of goods or services it provides. |
|---|---|
| Represents | Merchant Category Code (Q2348386) |
| Data type | String |
| Allowed values | \d{4} |
| Example | Delta Air Lines (Q188920) → MCC → 3058 |
| Source | Visa Supplier Locator & Citi MCC Guide |
| Planned use | See description |
See Wikidata:Property_proposal/Generic/CardProps. This will be used to add Merchant Category Codes to businesses. This will help users like credit card transactions to places of business and to accurately calculate their expected rewards from credit cards.
- Discussion
Comment it looks like this is not an identifier for a business (Q4830453) but rather for its industry (P452) − Pintoch (talk) 08:28, 25 October 2017 (UTC)- @ChristianMoore, Vladimir_Alexiev: Can you address the concerns Pintoch brought up? ChristianKl (talk) 11:03, 30 October 2017 (UTC)
- Support David (talk) 13:23, 16 November 2017 (UTC)
- Pintoch MCC is used to classify the business by the type of goods or services it provides. MCCs are assigned by merchant type (e.g. one for hotels, one for office supply stores, etc.) or by merchant name (e.g. 3000 for United Airlines). So it is actually both. ChristianMoore (talk) 05:18, 17 November 2017 (UTC)
- @Pintoch, ديفيد عادل وهبة خليل 2, ChristianMoore, Vladimir_Alexiev: Done Created as Merchant Category Code (P4573). ChristianKl (✉) 13:59, 24 November 2017 (UTC)
