{"prefix": {"app": "https://explain.openprovenance.org/creditscoring/", "uuid": "urn:uuid:", "pl": "http://openprovenance.org/ns/plead#", "cs": "http://openprovenance.org/ns/creditscoring#", "csd": "https://explain.openprovenance.org/creditscoring/ns#"}, "wasGeneratedBy": {"_:id1": {"prov:entity": "app:decisions/1032", "prov:activity": "uuid:e72d4606-726a-4eba-9776-01462de61ca5"}, "_:id6": {"prov:entity": "app:recommendations/1032", "prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed"}, "_:id21": {"prov:entity": "app:creditreports/1032", "prov:activity": "uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7"}}, "agent": {"app:the_bank": [{"prov:type": [{"$": "pl:DataController", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:RetailBank", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Some bank"}, {}], "app:machines/one": {"prov:type": {"$": "prov:SoftwareAgent", "type": "prov:QUALIFIED_NAME"}}, "app:applicants/440": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Alexandra West"}, "app:providers/1": {"prov:type": [{"$": "pl:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditReferencingAgency", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Credit Referencing Agency"}, "app:providers/2": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/8": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Virgin Media"}, "app:providers/15": [{"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Bank"}, {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Bank"}]}, "activity": {"uuid:e72d4606-726a-4eba-9776-01462de61ca5": {"prov:startTime": "2026-06-01T10:58:53.038000+01:00", "prov:endTime": "2026-06-06T15:28:39.100000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed": {"prov:startTime": "2026-06-01T10:58:53.038000+01:00", "prov:endTime": "2026-06-06T15:28:39.100000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7": {"prov:startTime": "2026-06-06T15:28:39.091000+01:00", "prov:endTime": "2026-06-06T15:28:39.091000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasAssociatedWith": {"_:id2": {"prov:activity": "uuid:e72d4606-726a-4eba-9776-01462de61ca5", "prov:agent": "app:the_bank"}, "_:id12": {"prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id23": {"prov:activity": "uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7", "prov:agent": "app:providers/1"}}, "wasDerivedFrom": {"_:id3": {"prov:generatedEntity": "app:decisions/1032", "prov:usedEntity": "app:applications/440"}, "_:id8": {"prov:generatedEntity": "app:recommendations/1032", "prov:usedEntity": "app:records/3461"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1032", "prov:usedEntity": "app:creditreports/1032"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1032", "prov:usedEntity": "app:applications/440"}, "_:id11": {"prov:generatedEntity": "app:recommendations/1032", "prov:usedEntity": "app:records/3460"}, "_:id18": {"prov:generatedEntity": "app:decisions/1032", "prov:usedEntity": "app:recommendations/1032"}, "_:id20": {"prov:generatedEntity": "app:applications/440/id", "prov:usedEntity": "app:applications/440"}, "_:id22": {"prov:generatedEntity": "app:creditreports/1032", "prov:usedEntity": "app:applications/440/id"}, "_:id26": {"prov:generatedEntity": "app:creditreports/1032", "prov:usedEntity": "app:records/3459"}, "_:id27": {"prov:generatedEntity": "app:creditreports/1032", "prov:usedEntity": "app:records/3460"}, "_:id28": {"prov:generatedEntity": "app:creditreports/1032", "prov:usedEntity": "app:records/3461"}, "_:id29": {"prov:generatedEntity": "app:creditreports/1032", "prov:usedEntity": "app:records/3458"}}, "used": {"_:id4": {"prov:activity": "uuid:e72d4606-726a-4eba-9776-01462de61ca5", "prov:entity": "app:applications/440"}, "_:id13": {"prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed", "prov:entity": "app:records/3461"}, "_:id14": {"prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed", "prov:entity": "app:creditreports/1032"}, "_:id15": {"prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed", "prov:entity": "app:records/3460"}, "_:id16": {"prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed", "prov:entity": "app:applications/440"}, "_:id24": {"prov:activity": "uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7", "prov:entity": "app:applications/440/id"}}, "wasAttributedTo": {"_:id5": {"prov:entity": "app:decisions/1032", "prov:agent": "app:the_bank"}, "_:id17": {"prov:entity": "app:recommendations/1032", "prov:agent": "app:machines/one"}, "_:id19": {"prov:entity": "app:applications/440", "prov:agent": "app:applicants/440"}, "_:id25": {"prov:entity": "app:creditreports/1032", "prov:agent": "app:providers/1"}, "_:id30": {"prov:entity": "app:records/3458", "prov:agent": "app:providers/2"}, "_:id31": {"prov:entity": "app:records/3459", "prov:agent": "app:providers/8"}, "_:id32": {"prov:entity": "app:records/3460", "prov:agent": "app:providers/15"}, "_:id33": {"prov:entity": "app:records/3461", "prov:agent": "app:providers/15"}}, "entity": {"app:decisions/1032": [{"pl:created_at": {"$": "2026-06-06T15:28:39.100946", "type": "xsd:dateTime"}, "cs:result": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}, "prov:type": [{"$": "pl:RejectionDecision", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:Decision", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:AutomatedDecision", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditDecision", "type": "prov:QUALIFIED_NAME"}], "pl:reason": {"$": "cs:low_credit_score", "type": "prov:QUALIFIED_NAME"}}, {}], "app:applications/440": [{}, {}, {"cs:attr_annual_income": {"$": 68000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-06-01T10:58:53.038817", "type": "xsd:dateTime"}, "cs:attr_prev_address": "0 Osborne brooks, Cliffordfurt, W7 3UP", "cs:attr_address": "Flat 25G, Berry flats, Staceyside, M4G 9PT", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditCardApplication", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:Request", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1978-05-07", "type": "xsd:date"}, "cs:attr_emp_title": "Hospital pharmacist", "cs:attr_home_ownership": {"$": 4, "type": "xsd:int"}, "cs:attr_phone_number": "+44(0)113 4960271", "cs:attr_email_address": "charlenewilson@example.com", "cs:attr_applicant_name": "Alexandra West", "cs:attr_emp_length": {"$": 11, "type": "xsd:int"}}, {}], "app:models/creditcard_assessment": {}, "app:records/3460": [{}, {"pl:created_at": {"$": "2026-06-06T15:28:39.099176", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "5.22", "type": "xsd:float"}, "cs:attr_month": "Mar-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1200.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "174.73", "type": "xsd:float"}}], "app:records/3461": [{}, {"pl:created_at": {"$": "2026-06-06T15:28:39.100009", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Jun-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1200.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "174.73", "type": "xsd:float"}}], "app:creditreports/1032": [{}, {"pl:created_at": {"$": "2026-06-06T15:28:39.091008", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 62, "type": "xsd:int"}}], "app:recommendations/1032": [{"pl:created_at": {"$": "2026-06-06T15:28:39.100946", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:AutomatedRecommendation", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedRecommendation", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score_threshold": {"$": 739, "type": "xsd:int"}, "pl:reason": {"$": "cs:low_credit_score", "type": "prov:QUALIFIED_NAME"}, "cs:recommendation": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}}, {}], "app:applications/440/id": [{"cs:attr_prev_address": "0 Osborne brooks, Cliffordfurt, W7 3UP", "cs:attr_address": "Flat 25G, Berry flats, Staceyside, M4G 9PT", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1978-05-07", "type": "xsd:date"}, "cs:attr_applicant_name": "Alexandra West"}, {}], "app:records/3458": {"pl:created_at": {"$": "2026-05-14T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Flat 25G, Berry flats, Staceyside, M4G 9PT", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:IdentityRecord", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:ElectoralRegisterEntry", "type": "prov:QUALIFIED_NAME"}], "cs:attr_from_date": {"$": "2025-12-27", "type": "xsd:date"}}, "app:records/3459": {"pl:created_at": {"$": "2026-06-06T15:28:39.097542", "type": "xsd:dateTime"}, "cs:attr_prev_address": "0 Osborne brooks, Cliffordfurt, W7 3UP", "cs:attr_first_confirmed": {"$": "2026-05-11", "type": "xsd:date"}, "cs:attr_address": "Flat 25G, Berry flats, Staceyside, M4G 9PT", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2026-02-17", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed"}}}