Setting the isOwned attribute for a shared account

Question

The isOwned attribute in the BankingAccount schema is defined to be true if the customer associated with the authorisation is an owner of the account.

For a Credit Card account, where one customer is an account holder, and the second customer is an additional card holder for the same credit card, should the value for isOwned be true or false for the additional card holder?

Answer

This is up to the Data Holder. The intent of the isOwned flag is to indicate that the sharing account is a primary account holder.  If an additional card holder is able to share the account, but is not considered a primary account holder, then the value for the additional card holder should be false.