oneOf, allOf, anyOf

{
  "allOf": [
    {
      "description": "Basic user information",
      "type": "object",
      "properties": {
        "id": { "type": "integer" },
        "name": { "type": "string" }
      },
      "required": ["id", "name"]
    },
    {
      "description": "Contact information", 
      "type": "object",
      "properties": {
        "email": { "type": "string", "format": "email" },
        "phone": { "type": "string" }
      },
      "required": ["email"]
    }
  ]
}

{
  "type": "object",
  "properties": {
    "login": {
      "anyOf": [
        {
          "description": "Username/password login",
          "properties": {
            "username": { "type": "string" },
            "password": { "type": "string" }
          },
          "required": ["username", "password"]
        },
        {
          "description": "Email/password login",
          "properties": {
            "email": { "type": "string", "format": "email" },
            "password": { "type": "string" }
          },
          "required": ["email", "password"]
        },
        {
          "description": "Phone/verification code login",
          "properties": {
            "phone": { "type": "string" },
            "verifyCode": { "type": "string" }
          },
          "required": ["phone", "verifyCode"]
        }
      ]
    }
  }
}

{
  "type": "object", 
  "properties": {
    "payment": {
      "oneOf": [
        {
          "description": "Credit card payment",
          "type": "object",
          "properties": {
            "type": { "const": "credit_card" },
            "cardNumber": { "type": "string" },
            "expiryDate": { "type": "string" }
          },
          "required": ["type", "cardNumber", "expiryDate"],
          "additionalProperties": false
        },
        {
          "description": "PayPal payment", 
          "type": "object",
          "properties": {
            "type": { "const": "paypal" },
            "email": { "type": "string", "format": "email" }
          },
          "required": ["type", "email"],
          "additionalProperties": false
        },
        {
          "description": "Bank transfer",
          "type": "object", 
          "properties": {
            "type": { "const": "bank_transfer" },
            "accountNumber": { "type": "string" },
            "routingNumber": { "type": "string" }
          },
          "required": ["type", "accountNumber", "routingNumber"],
          "additionalProperties": false
        }
      ]
    }
  }
}