The Person resource represents the individuals associated with the account. These may be beneficial owners of the account or they may be authorized users (in the case of card issuance, these people are cardholders who are authorized to use the account but aren’t responsible for it). The beneficial owners of an account are specified when the account is first applied for and opened. Once an account is open, additional authorized users may apply to be added to the account. For more on this, see the Apply API.