Agents Ontology
change note: The https://spec.edmcouncil.org/fibo/ontology/Foundations/20130601/AgentsAndPeople/Agents.owl version of the ontology was revised in advance of the September 2013 New Brunswick, NJ meeting, as follows: (1) to use slash style URI/IRIs (also called 303 URIs, vs. hash style) as required to support server side processing (2) to use version-independent IRIs for all definitions internally as opposed to version-specific IRIs (3) to change the file suffix from .owl to .rdf to increase usability in RDF tools (4) to use 4-level abbreviations and corresponding namespace prefixes for all FIBO ontologies, reflecting a family/specification/module/ontology structure (5) to incorporate changes to the specification metadata to support documentation at the family, specification, module, and ontology level, similar to the abbreviations.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of the ontology was modified to eliminate elements that have been deprecated for several quarters (FND-386).
imports: AnnotationVocabulary
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of the ontology was modified to replace content that is now available in the OMG Commons Ontology Library (Commons) v1.1 (FND-380).
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to use the Commons Ontology Library (Commons) rather than the OMG's Languages, Countries and Codes (LCC) and to eliminate redundancies in FIBO as appropriate.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to loosen the range restriction on hasName to rdfs:Literal, facilitating multi-lingual name representation.
imports: TextDatatype
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to eliminate duplication with concepts in LCC.
type: Ontology
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to address hygiene issues with respect to text formatting.
license: Copyright (c) 2013-2025 EDM Council, Inc. Copyright (c) 2013-2025 Object Management Group, Inc. Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the 'Software'), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED 'AS IS', WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. See https://opensource.org/licenses/MIT.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to support the FIBO 2.0 RFC, primarily with respect to equivalence relationships to LCC.
copyright: Copyright (c) 2013-2025 Object Management Group, Inc.
imports: Relations
imports: Designators
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of the ontology was modified to replace additional content that is now available in the OMG Commons Ontology Library (Commons) v1.2 (FND-389).
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to add a custom datatype for text values (which might be either xsd:string or rdf:langString) and use that in the restriction on hasName on autonomous agent.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to use the Commons Ontology Library (Commons) Annotation Vocabulary rather than the OMG's Specification Metadata vocabulary.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified per the issue resolutions identified in the FIBO FND 1.0 FTF report and in https://spec.edmcouncil.org/fibo/ontology/FND/1.0/AboutFND-1.0/.
version IRI: Agents
abstract: This ontology extends the Commons 1.1 Parties and Situations ontology to define defines the concept of a software system, which may or may not be autonomous. Other concepts that were originally defined in this ontology have been replaced with their corresponding concepts in Commons.
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of the ontology was modified to eliminate deprecations that are more than 6 months old.
has maturity level: Release
change note: The https://spec.edmcouncil.org/fibo/ontology/FND/AgentsAndPeople/Agents.rdf version of this ontology was modified to add notes on the custom Text datatype indicating that it is outside the RL profile and that if someone wants to use this ontology with OWL 2 RL rules they might want to comment this out / eliminate it where it is used.
copyright: Copyright (c) 2013-2025 EDM Council, Inc.

automated system
adapted from: https://www.reference.com/technology/automated-system-c85583d0f17a632
type: Class
subclass of: Agent
definition: system that reduces or eliminates the need for human involvement in order to complete a task

Agent
type: Class
subclass of: Restriction
  on data range: Text
  on property: hasTextualName
  min qualified cardinality: 0

Commercial Loans Ontology
abstract: Commercial loans are loans where the loan purpose is some commercial purpose. Note that these are distinguished by the loan purpose not by the borrower type - borrowers may be corporate or personal, though in the majority of cases they would also be corporate loans that is loans with a corporate borrower.
license: Copyright (c) 2016-2025 EDM Council, Inc. Copyright (c) 2016-2025 Object Management Group, Inc. Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the 'Software'), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED 'AS IS', WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. See https://opensource.org/licenses/MIT.
has maturity level: Release
imports: AnnotationVocabulary
change note: The https://spec.edmcouncil.org/fibo/ontology/LOAN/LoansSpecific/CommercialLoans.rdf version of the ontology was modified to replace additional content that is now available in the OMG Commons Ontology Library (Commons) v1.2 (FND-389).
imports: RolesAndCompositions
copyright: Copyright (c) 2016-2025 EDM Council, Inc.
imports: Organizations
copyright: Copyright (c) 2016-2025 Object Management Group, Inc.
imports: Loans
version IRI: CommercialLoans
type: Ontology
imports: Debt
imports: Objectives
imports: Designators

has business purpose description
type: DatatypeProperty
sub property of: hasDescription
definition: provides a description of the purpose of the loan from the perspective of the borrower
domain: commercial loan

commercial loan
explanatory note: Such loans may include those that provide working capital, are used to finance the purchase of equipment and/or materials, for facilities and/or improvement of facilities, and so forth, and are typically secured.
subclass of: Restriction
  on property: hasObjective
  min qualified cardinality: 0
  on class: BusinessObjective
synonym: commercial and industrial loan
subclass of: Restriction
  some values from: Restriction
    on property: isPlayedBy
    some values from: LegalEntity
  on property: hasBorrower
type: Class
definition: loan extended to a corporation, commercial enterprise, joint venture, or other organization as opposed to a consumer
subclass of: Restriction
  on data range: string
  on property: has business purpose description
  min qualified cardinality: 0
subclass of: Loan