generated: '2026-07-20'
method: derived
source: openapi/ing-australia-cds-banking-products-openapi.yml
description: >-
  Entity-relationship graph derived from the CDS Banking schemas and id-reference
  fields. The account is the hub: balances, transactions, direct debits, scheduled
  payments and instalment plans all belong to an account via accountId. Products are
  the public, unauthenticated catalogue and (by design in CDR) are NOT hard-linked
  to accounts — productCategory is the only shared field, there is no product->account
  foreign key.
entities:
  - name: BankingProduct
    id: productId
    id_type: data-holder specific (ASCIIString, not permanence-bound)
    scope: public / unauthenticated
    operations: [listBankingProducts, getBankingProductDetail]
  - name: BankingAccount
    id: accountId
    id_type: CDR ID-permanent (ASCIIString)
    operations: [listBankingAccounts, getBankingAccountDetail]
  - name: BankingBalance
    operations: [listBankingBalancesBulk, listBankingBalancesSpecificAccounts, getBankingBalance]
  - name: BankingTransaction
    id: transactionId
    id_type: CDR ID-permanent (ASCIIString)
    operations: [listBankingTransactions, getBankingTransactionDetail]
  - name: BankingDirectDebitAuthorisation
    operations: [listDirectDebits, listDirectDebitsBulk, listDirectDebitsSpecificAccounts]
  - name: BankingScheduledPayment
    id: scheduledPaymentId
    id_type: CDR ID-permanent (ASCIIString)
    operations: [listScheduledPayments, listScheduledPaymentsBulk, listScheduledPaymentsSpecificAccounts]
  - name: BankingInstalmentPlan
    id: instalmentPlanId
    id_type: CDR ID-permanent (ASCIIString)
    operations: [listInstalmentPlans, listInstalmentPlansBulk]
  - name: BankingPayee
    id: payeeId
    id_type: CDR ID-permanent (ASCIIString)
    operations: [listBankingPayees, getBankingPayeeDetail]
relationships:
  - from: BankingBalance
    to: BankingAccount
    type: belongs_to
    via: accountId
  - from: BankingTransaction
    to: BankingAccount
    type: belongs_to
    via: accountId
  - from: BankingDirectDebitAuthorisation
    to: BankingAccount
    type: belongs_to
    via: accountId
  - from: BankingScheduledPayment
    to: BankingAccount
    type: belongs_to
    via: accountId
  - from: BankingInstalmentPlan
    to: BankingAccount
    type: belongs_to
    via: accountId
  - from: BankingAccount
    to: BankingTransaction
    type: has_many
    via: accountId
  - from: BankingAccount
    to: BankingScheduledPayment
    type: has_many
    via: accountId
  - from: BankingAccount
    to: BankingProduct
    type: soft_link
    via: productCategory
    note: No product->account foreign key exists in CDR; only productCategory is shared.