IDREF refers to an element or attribute of type ID in the same instance document.
The value for IDREF must match a value for ID in the same instance document.
<!-- schema -->
<xsd:element name="bank">
<xsd:complexType>
<xsd:complexContent>
<xsd:extension base="xsd:anyType">
<xsd:attribute name="branch" type="xsd:ID"/>
</xsd:extension>
</xsd:complexContent>
</xsd:complexType>
</xsd:element>
<xsd:element name="city">
<xsd:complexType>
<xsd:complexContent>
<xsd:extension base="xsd:anyType">
<xsd:attribute name="branch_division"
type="xsd:IDREF"/>
</xsd:extension>
</xsd:complexContent>
</xsd:complexType>
</xsd:element>
<!-- instance document -->
<bank branch="412x">Northern</bank>
<city branch_division="412x">Chicago</city>