generated: '2026-07-20'
method: derived
source: openapi/summerland-bank-cds-banking-products-openapi.yml
notes: >-
  Entity-relationship graph derived from the CDS Banking schemas ($ref links and
  id-reference fields). The public PRD exposes only the Product entities; the
  Account/Transaction/Balance/DirectDebit/ScheduledPayment/Payee entities belong
  to the authenticated consumer-data surface (accredited data recipients only)
  and are included for completeness of the shared contract.
entities:
  - name: BankingProduct
    id: productId (BankingProductId)
    public: true
    schema: BankingProductV6 / BankingProductDetailV7
    key_fields: [productCategory, name, brand, isTailored, effectiveFrom, effectiveTo]
    relationships:
      - has_many: BankingProductFeature
      - has_many: BankingProductConstraint
      - has_many: BankingProductEligibility
      - has_many: BankingProductFee
      - has_many: BankingProductDepositRate
      - has_many: BankingProductLendingRate
      - has_one: BankingProductBundle
  - name: BankingProductFee
    schema: BankingProductFeeV2
    relationships:
      - has_many: BankingProductDiscount
  - name: BankingProductRate
    schema: BankingProductDepositRateV2 / BankingProductLendingRateV3
    relationships:
      - has_many: BankingProductRateTier (BankingProductRateTierV4)
  - name: BankingAccount
    id: accountId (BankingAccountId)
    public: false
    schema: BankingAccountV3 / BankingAccountDetailV5
    relationships:
      - belongs_to: BankingProduct
        via: productCategory
      - has_many: BankingTransaction
        via: accountId
      - has_one: BankingBalance
        via: accountId
      - has_many: BankingDirectDebit
        via: accountId
      - has_many: BankingScheduledPayment
        via: accountId
      - has_one: BankingTermDepositAccount
      - has_one: BankingCreditCardAccount
      - has_one: BankingLoanAccount (BankingLoanAccountV3)
  - name: BankingTransaction
    id: transactionId (BankingTransactionId)
    public: false
    schema: BankingTransactionV2 / BankingTransactionDetailV3
    relationships:
      - belongs_to: BankingAccount
        via: accountId
  - name: BankingBalance
    public: false
    schema: BankingBalance
    relationships:
      - belongs_to: BankingAccount
        via: accountId
      - has_many: BankingBalancePurse
  - name: BankingDirectDebit
    public: false
    schema: BankingDirectDebit
    relationships:
      - belongs_to: BankingAccount
        via: accountId
      - has_one: BankingAuthorisedEntity
  - name: BankingScheduledPayment
    public: false
    schema: BankingScheduledPaymentV2
    relationships:
      - belongs_to: BankingAccount
        via: from.accountId
      - has_many: BankingScheduledPaymentSet
  - name: BankingPayee
    id: payeeId
    public: false
    schema: BankingPayeeV2 / BankingPayeeDetailV2
    relationships:
      - has_one: BankingDomesticPayee
      - has_one: BankingBillerPayee
      - has_one: BankingInternationalPayee
      - has_one: BankingDigitalWalletPayee