generated: '2026-07-23'
method: derived
source: openapi/*.json components.schemas
description: >-
  Entity-relationship sketch derived from the components.schemas across BMO's
  commercial open-banking APIs. The domain splits into an account/transaction
  information model and a payment-initiation model (ACH/EFT/wire/Interac), with a
  shared HATEOAS pagination envelope and ISO 20022 payment shapes.
entities:
  - name: Account
    api: openapi/bmo-account-information-openapi.json
    subtypes: [DepositAccount, InvestmentAccount, LoanAccount, LocAccount]
    key: accountId
    description: A business account owned by an Online Banking for Business customer.
  - name: Transaction
    api: openapi/bmo-account-information-openapi.json
    subtypes: [DepositTransaction, InvestmentTransaction, LoanTransaction, LocTransaction]
    description: A posted movement on an account, paginated under an account.
  - name: PaymentInitiation
    api: openapi/bmo-ach-payments-openapi.json
    description: A credit or debit payment instruction (ISO 20022 pain.001) with a status lifecycle.
  - name: PaymentStatus
    api: openapi/bmo-push-notification-openapi.json
    description: ISO 20022 pain.002 status report for a submitted payment.
  - name: Company
    api: openapi/bmo-ach-payments-openapi.json
    key: companyId
    description: A commercial user's linked company / access entitlement.
relationships:
  - from: Account
    to: Transaction
    type: has_many
    via: accountId
  - from: Company
    to: PaymentInitiation
    type: has_many
    via: companyId
  - from: PaymentInitiation
    to: PaymentStatus
    type: has_one
    via: paymentId
  - from: Account
    to: TransactionImage
    type: has_many
    via: accountId
    api: openapi/bmo-image-retrieval-swagger.json
shared:
  pagination_envelope: [PaginatedArray, PageMetadata, PageMetadataLinks, HateoasLink]
  error: [Error, Problem]