generated: '2026-07-20'
method: derived
source: openapi/defence-bank-cds-banking-products-openapi.yml
docs: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
description: >-
  Entity-relationship graph derived from the Consumer Data Standards banking schemas.
  The publicly reachable surface is the Product domain (BankingProduct / BankingProductDetail);
  the account domain is included for completeness (accessible only to Accredited Data
  Recipients under CDR consent).
id_fields:
  productId: BankingProductId - ASCII string, unique within the data holder brand
  accountId: ASCIIString - tokenised per consent (not a real account number)
  transactionId: ASCIIString
  payeeId: ASCIIString
entities:
- name: BankingProduct
  schema: BankingProductV6
  domain: product-reference-data
  key: productId
  public: true
  fields: [productId, effectiveFrom, effectiveTo, lastUpdated, productCategory, name, description, brand, brandName, applicationUri, isTailored]
- name: BankingProductDetail
  schema: BankingProductDetailV7
  domain: product-reference-data
  key: productId
  public: true
  extends: BankingProductV6
- name: BankingProductBundle
  schema: BankingProductBundle
  key: null
- name: BankingProductFeature
  schema: BankingProductFeatureV4
- name: BankingProductConstraint
  schema: BankingProductConstraintV3
- name: BankingProductEligibility
  schema: BankingProductEligibilityV2
- name: BankingProductCardArt
  schema: BankingProductCardArt
- name: BankingAccount
  schema: BankingAccountV3
  domain: consumer-data-sharing
  key: accountId
  public: false
- name: BankingTransaction
  schema: BankingTransactionV2
  domain: consumer-data-sharing
  key: transactionId
  public: false
- name: BankingPayee
  schema: BankingPayeeV2
  domain: consumer-data-sharing
  key: payeeId
  public: false
relationships:
- from: BankingProductDetail
  to: BankingProductBundle
  type: has_many
  via: bundles
- from: BankingProductDetail
  to: BankingProductFeature
  type: has_many
  via: features
- from: BankingProductDetail
  to: BankingProductConstraint
  type: has_many
  via: constraints
- from: BankingProductDetail
  to: BankingProductEligibility
  type: has_many
  via: eligibility
- from: BankingProduct
  to: BankingProductCardArt
  type: has_many
  via: cardArt
- from: BankingProductBundle
  to: BankingProduct
  type: has_many
  via: productIds
- from: BankingTransaction
  to: BankingAccount
  type: belongs_to
  via: accountId
- from: BankingAccount
  to: BankingTransaction
  type: has_many
  via: transactions
- from: BankingPayee
  to: BankingAccount
  type: belongs_to
  via: accountId