# CBPA — SHACL shapes for the CLEAN ontology
# Workshop: AI-Assisted Ontology Engineering — KGUG Seoul 2026
# Author: Dougal Watt, Graph Research Labs
#
# These shapes correspond to bank-clean.ttl (gist 14.1.0 aligned).
# The two marquee shapes — PaymentShape and PaymentInstructionShape —
# enforce the plan/occurrence disjointness that the workshop linter
# demonstrates as anti-pattern GIST-002.

@prefix cbpa: <https://example.org/cbpa/> .
@prefix gist: <https://w3id.org/semanticarts/ns/ontology/gist/> .
@prefix sh:   <http://www.w3.org/ns/shacl#> .
@prefix rdf:  <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix xsd:  <http://www.w3.org/2001/XMLSchema#> .

#####################################################################
# Account NodeShape
#####################################################################

cbpa:AccountShape a sh:NodeShape ;
  sh:targetClass cbpa:Account ;

  sh:property [
    sh:path gist:isCategorizedBy ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:AccountKind ;
    sh:message "An Account must have exactly one AccountKind (Current, Savings, Nostro, Vostro, or Escrow)."@en ;
  ] ;

  sh:property [
    sh:path cbpa:heldAt ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:Bank ;
    sh:message "An Account must be held at exactly one Bank."@en ;
  ] ;

  sh:property [
    sh:path cbpa:heldBy ;
    sh:minCount 1 ;
    sh:class cbpa:Customer ;
    sh:message "An Account must be held by at least one Customer."@en ;
  ] ;

  sh:property [
    sh:path cbpa:denominatedIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:CurrencyType ;
    sh:message "An Account must be denominated in exactly one CurrencyType."@en ;
  ] ;

  sh:property [
    sh:path cbpa:hasComplianceState ;
    sh:minCount 1 ;
    sh:class cbpa:ComplianceState ;
    sh:message "An Account must have at least one ComplianceState (current or historical)."@en ;
  ] .

#####################################################################
# Bank NodeShape
#####################################################################

cbpa:BankShape a sh:NodeShape ;
  sh:targetClass cbpa:Bank ;

  sh:property [
    sh:path cbpa:holdsAccount ;
    sh:minCount 1 ;
    sh:class cbpa:Account ;
    sh:message "A Bank must hold at least one Account."@en ;
  ] .

#####################################################################
# Customer NodeShape
#####################################################################

cbpa:CustomerShape a sh:NodeShape ;
  sh:targetClass cbpa:Customer ;

  sh:property [
    sh:path cbpa:holdsAccount ;
    sh:minCount 1 ;
    sh:class cbpa:Account ;
    sh:message "A Customer must hold at least one Account."@en ;
  ] ;

  sh:property [
    sh:path cbpa:hasRiskAssessment ;
    sh:minCount 1 ;
    sh:class cbpa:RiskAssessment ;
    sh:message "A Customer must carry at least one RiskAssessment (current or historical)."@en ;
  ] .

#####################################################################
# RiskAssessment NodeShape
#####################################################################

cbpa:RiskAssessmentShape a sh:NodeShape ;
  sh:targetClass cbpa:RiskAssessment ;

  sh:property [
    sh:path gist:isCategorizedBy ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:RiskRating ;
    sh:message "A RiskAssessment must reference exactly one RiskRating category."@en ;
  ] ;

  sh:property [
    sh:path gist:occursIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A RiskAssessment must have a temporal extent (gist:occursIn)."@en ;
  ] .

#####################################################################
# ComplianceState NodeShape
#####################################################################

cbpa:ComplianceStateShape a sh:NodeShape ;
  sh:targetClass cbpa:ComplianceState ;

  sh:property [
    sh:path gist:isCategorizedBy ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:ComplianceLevel ;
    sh:message "A ComplianceState must reference exactly one ComplianceLevel category."@en ;
  ] ;

  sh:property [
    sh:path gist:occursIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A ComplianceState must have a temporal extent (gist:occursIn)."@en ;
  ] .

#####################################################################
# BalanceSnapshot NodeShape
#####################################################################

cbpa:BalanceSnapshotShape a sh:NodeShape ;
  sh:targetClass cbpa:BalanceSnapshot ;

  sh:property [
    sh:path gist:occursIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A BalanceSnapshot must have a temporal extent (gist:occursIn)."@en ;
  ] .

#####################################################################
# Payment NodeShape — the OCCURRENCE.
# Forbidden: any planning-time property (those live on PaymentInstruction).
#####################################################################

cbpa:PaymentShape a sh:NodeShape ;
  sh:targetClass cbpa:Payment ;

  sh:property [
    sh:path cbpa:payer ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:Account ;
    sh:message "A Payment must have exactly one payer Account."@en ;
  ] ;

  sh:property [
    sh:path cbpa:payee ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:Account ;
    sh:message "A Payment must have exactly one payee Account."@en ;
  ] ;

  sh:property [
    sh:path gist:occursIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A Payment must have a temporal extent (gist:occursIn)."@en ;
  ] ;

  sh:property [
    sh:path cbpa:viaChannel ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:ChannelType ;
    sh:message "A Payment must be routed via exactly one ChannelType."@en ;
  ] ;

  sh:property [
    sh:path cbpa:settlementStatus ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:SettlementStatus ;
    sh:message "A Payment must carry exactly one SettlementStatus."@en ;
  ] ;

  sh:property [
    sh:path cbpa:implementsInstruction ;
    sh:maxCount 1 ;
    sh:class cbpa:PaymentInstruction ;
    sh:message "If present, a Payment implements at most one PaymentInstruction."@en ;
  ] ;

  sh:property [
    sh:path cbpa:paymentReference ;
    sh:maxCount 1 ;
    sh:datatype xsd:string ;
    sh:message "If present, a Payment has at most one payment reference string (UETR or end-to-end identifier)."@en ;
  ] ;

  # Forbidden: planning-time properties on the occurrence.
  sh:property [
    sh:path cbpa:instructsAmount ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry instructsAmount — that is a planning property and belongs on PaymentInstruction."@en ;
  ] ;

  sh:property [
    sh:path cbpa:requestedSettlementWindow ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry requestedSettlementWindow — use gist:occursIn for the actual settlement window."@en ;
  ] ;

  sh:property [
    sh:path cbpa:requestedChannel ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry requestedChannel — use viaChannel for the actual channel used."@en ;
  ] ;

  sh:property [
    sh:path cbpa:declaredPurpose ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry declaredPurpose — that is a planning property and belongs on PaymentInstruction."@en ;
  ] ;

  sh:property [
    sh:path cbpa:authorisedBy ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry authorisedBy — authorisation is a planning act and belongs on PaymentInstruction."@en ;
  ] ;

  sh:property [
    sh:path cbpa:instructionStatus ;
    sh:maxCount 0 ;
    sh:message "Payment must NOT carry instructionStatus — that is a planning property."@en ;
  ] .

#####################################################################
# PaymentInstruction NodeShape — the PLAN.
# Forbidden: any occurrence-time property.
#####################################################################

cbpa:PaymentInstructionShape a sh:NodeShape ;
  sh:targetClass cbpa:PaymentInstruction ;

  sh:property [
    sh:path cbpa:instructionFor ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:Payment ;
    sh:message "A PaymentInstruction must reference exactly one Payment it plans."@en ;
  ] ;

  sh:property [
    sh:path cbpa:instructsAmount ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:Magnitude ;
    sh:message "A PaymentInstruction must specify exactly one requested Magnitude (numeric value with currency unit)."@en ;
  ] ;

  sh:property [
    sh:path cbpa:requestedSettlementWindow ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A PaymentInstruction must specify exactly one requested settlement TimeInterval."@en ;
  ] ;

  sh:property [
    sh:path cbpa:requestedChannel ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:ChannelType ;
    sh:message "A PaymentInstruction must request exactly one ChannelType."@en ;
  ] ;

  sh:property [
    sh:path cbpa:declaredPurpose ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:PurposeType ;
    sh:message "A PaymentInstruction must declare exactly one PurposeType (used in AML purpose-of-payment screening)."@en ;
  ] ;

  sh:property [
    sh:path cbpa:authorisedBy ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:or (
      [ sh:class cbpa:Customer ]
      [ sh:class gist:Person ]
      [ sh:class gist:Organization ]
    ) ;
    sh:message "A PaymentInstruction must be authorised by exactly one Customer, Person, or Organization."@en ;
  ] ;

  sh:property [
    sh:path cbpa:instructionStatus ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class cbpa:InstructionStatus ;
    sh:message "A PaymentInstruction must have exactly one InstructionStatus (Drafted, Authorised, Released, Cancelled, or Superseded)."@en ;
  ] ;

  # Forbidden: occurrence-time properties on the plan.
  sh:property [
    sh:path cbpa:payer ;
    sh:maxCount 0 ;
    sh:message "PaymentInstruction must NOT carry payer — that is an occurrence property and belongs on Payment."@en ;
  ] ;

  sh:property [
    sh:path cbpa:payee ;
    sh:maxCount 0 ;
    sh:message "PaymentInstruction must NOT carry payee — that is an occurrence property and belongs on Payment."@en ;
  ] ;

  sh:property [
    sh:path cbpa:viaChannel ;
    sh:maxCount 0 ;
    sh:message "PaymentInstruction must NOT carry viaChannel — use requestedChannel for the planning side."@en ;
  ] ;

  sh:property [
    sh:path cbpa:settlementStatus ;
    sh:maxCount 0 ;
    sh:message "PaymentInstruction must NOT carry settlementStatus — that is an occurrence property and belongs on Payment."@en ;
  ] ;

  sh:property [
    sh:path gist:occursIn ;
    sh:maxCount 0 ;
    sh:message "PaymentInstruction must NOT carry gist:occursIn — use requestedSettlementWindow for the planned window. gist:occursIn is reserved for the actual Payment occurrence."@en ;
  ] .

#####################################################################
# KYCReviewEvent NodeShape
#####################################################################

cbpa:KYCReviewEventShape a sh:NodeShape ;
  sh:targetClass cbpa:KYCReviewEvent ;

  sh:property [
    sh:path cbpa:reviewsCustomer ;
    sh:minCount 1 ;
    sh:class cbpa:Customer ;
    sh:message "A KYCReviewEvent must review at least one Customer."@en ;
  ] ;

  sh:property [
    sh:path gist:occursIn ;
    sh:minCount 1 ;
    sh:maxCount 1 ;
    sh:class gist:TimeInterval ;
    sh:message "A KYCReviewEvent must have a temporal extent (gist:occursIn)."@en ;
  ] .

#####################################################################
# SuspiciousActivityReport NodeShape
#####################################################################

cbpa:SuspiciousActivityReportShape a sh:NodeShape ;
  sh:targetClass cbpa:SuspiciousActivityReport ;

  sh:property [
    sh:path cbpa:reports ;
    sh:minCount 1 ;
    sh:class cbpa:Payment ;
    sh:message "A SuspiciousActivityReport must report at least one Payment."@en ;
  ] .

#####################################################################
# CQ-derived PropertyShapes
# Constraints implied by competency questions that are not already
# enforced by the NodeShapes above.
#####################################################################

# CQ5 — instructed Magnitude must be denominated in a known CurrencyType.
cbpa:InstructedMagnitudeCurrencyShape a sh:NodeShape ;
  sh:targetClass gist:Magnitude ;
  sh:property [
    sh:path cbpa:denominatedIn ;
    sh:maxCount 1 ;
    sh:class cbpa:CurrencyType ;
    sh:message "If a Magnitude is used as an instructed amount, it should be denominated in a single CurrencyType."@en ;
  ] .

# CQ7 — discoverability: every authorised PaymentInstruction should
# eventually point at a Payment via instructionFor; this is already
# enforced as minCount 1 on instructionFor, so the structural support
# for CQ7's NOT EXISTS pattern is in place.