{"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/1044", "prov:activity": "uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5"}, "_:id6": {"prov:entity": "app:recommendations/1044", "prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94"}, "_:id21": {"prov:entity": "app:creditreports/1044", "prov:activity": "uuid:68a0b974-1295-4774-939a-13588ede9fc0"}}, "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/442": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Josh Smith"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/3": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "EE"}, "app:providers/14": [{"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}, {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}]}, "activity": {"uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5": {"prov:startTime": "2026-06-08T10:03:46.805000+01:00", "prov:endTime": "2026-06-11T19:10:12.482000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:03faa153-9167-4096-911b-d372084adf94": {"prov:startTime": "2026-06-08T10:03:46.805000+01:00", "prov:endTime": "2026-06-11T19:10:12.482000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:68a0b974-1295-4774-939a-13588ede9fc0": {"prov:startTime": "2026-06-11T19:10:12.468000+01:00", "prov:endTime": "2026-06-11T19:10:12.468000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasDerivedFrom": {"_:id2": {"prov:generatedEntity": "app:decisions/1044", "prov:usedEntity": "app:applications/442"}, "_:id8": {"prov:generatedEntity": "app:recommendations/1044", "prov:usedEntity": "app:creditreports/1044"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1044", "prov:usedEntity": "app:records/3496"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1044", "prov:usedEntity": "app:records/3495"}, "_:id11": {"prov:generatedEntity": "app:recommendations/1044", "prov:usedEntity": "app:applications/442"}, "_:id18": {"prov:generatedEntity": "app:decisions/1044", "prov:usedEntity": "app:recommendations/1044"}, "_:id20": {"prov:generatedEntity": "app:applications/442/id", "prov:usedEntity": "app:applications/442"}, "_:id23": {"prov:generatedEntity": "app:creditreports/1044", "prov:usedEntity": "app:applications/442/id"}, "_:id26": {"prov:generatedEntity": "app:creditreports/1044", "prov:usedEntity": "app:records/3494"}, "_:id27": {"prov:generatedEntity": "app:creditreports/1044", "prov:usedEntity": "app:records/3495"}, "_:id28": {"prov:generatedEntity": "app:creditreports/1044", "prov:usedEntity": "app:records/3496"}, "_:id29": {"prov:generatedEntity": "app:creditreports/1044", "prov:usedEntity": "app:records/3493"}}, "wasAssociatedWith": {"_:id3": {"prov:activity": "uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5", "prov:agent": "app:the_bank"}, "_:id12": {"prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id22": {"prov:activity": "uuid:68a0b974-1295-4774-939a-13588ede9fc0", "prov:agent": "app:providers/1"}}, "wasAttributedTo": {"_:id4": {"prov:entity": "app:decisions/1044", "prov:agent": "app:the_bank"}, "_:id17": {"prov:entity": "app:recommendations/1044", "prov:agent": "app:machines/one"}, "_:id19": {"prov:entity": "app:applications/442", "prov:agent": "app:applicants/442"}, "_:id25": {"prov:entity": "app:creditreports/1044", "prov:agent": "app:providers/1"}, "_:id30": {"prov:entity": "app:records/3493", "prov:agent": "app:providers/2"}, "_:id31": {"prov:entity": "app:records/3494", "prov:agent": "app:providers/3"}, "_:id32": {"prov:entity": "app:records/3495", "prov:agent": "app:providers/14"}, "_:id33": {"prov:entity": "app:records/3496", "prov:agent": "app:providers/14"}}, "used": {"_:id5": {"prov:activity": "uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5", "prov:entity": "app:applications/442"}, "_:id13": {"prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94", "prov:entity": "app:records/3495"}, "_:id14": {"prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94", "prov:entity": "app:creditreports/1044"}, "_:id15": {"prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94", "prov:entity": "app:records/3496"}, "_:id16": {"prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94", "prov:entity": "app:applications/442"}, "_:id24": {"prov:activity": "uuid:68a0b974-1295-4774-939a-13588ede9fc0", "prov:entity": "app:applications/442/id"}}, "entity": {"app:decisions/1044": [{"pl:created_at": {"$": "2026-06-11T19:10:12.482998", "type": "xsd:dateTime"}, "cs:result": {"$": "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": {"$": "cs:low_credit_score", "type": "prov:QUALIFIED_NAME"}}, {}], "app:applications/442": [{}, {}, {"cs:attr_annual_income": {"$": 81000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-06-08T10:03:46.805769", "type": "xsd:dateTime"}, "cs:attr_prev_address": "556 Phillip mission, South Sylviaville, B97 1UQ", "cs:attr_address": "Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditCardApplication", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:Request", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "2003-10-02", "type": "xsd:date"}, "cs:attr_emp_title": "Production assistant, radio", "cs:attr_home_ownership": {"$": 1, "type": "xsd:int"}, "cs:attr_phone_number": "(029)2018403", "cs:attr_email_address": "claire08@example.com", "cs:attr_applicant_name": "Josh Smith", "cs:attr_emp_length": {"$": 1, "type": "xsd:int"}}, {}], "app:records/3496": [{}, {"pl:created_at": {"$": "2026-06-11T19:10:12.481426", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "16.41", "type": "xsd:float"}, "cs:attr_month": "Oct-2025", "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": {"$": "2500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "349.11", "type": "xsd:float"}}], "app:models/creditcard_assessment": {}, "app:records/3495": [{}, {"pl:created_at": {"$": "2026-06-11T19:10:12.480201", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "23.48", "type": "xsd:float"}, "cs:attr_month": "Oct-2025", "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": {"$": "2500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "349.11", "type": "xsd:float"}}], "app:recommendations/1044": [{"pl:created_at": {"$": "2026-06-11T19:10:12.482998", "type": "xsd:dateTime"}, "prov:type": [{"$": "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:creditreports/1044": [{}, {"pl:created_at": {"$": "2026-06-11T19:10:12.468158", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 231, "type": "xsd:int"}}], "app:applications/442/id": [{"cs:attr_prev_address": "556 Phillip mission, South Sylviaville, B97 1UQ", "cs:attr_address": "Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "2003-10-02", "type": "xsd:date"}, "cs:attr_applicant_name": "Josh Smith"}, {}], "app:records/3493": {"pl:created_at": {"$": "2026-06-04T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", "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": {"$": "2024-01-26", "type": "xsd:date"}}, "app:records/3494": {"pl:created_at": {"$": "2026-06-11T19:10:12.477281", "type": "xsd:dateTime"}, "cs:attr_prev_address": "556 Phillip mission, South Sylviaville, B97 1UQ", "cs:attr_first_confirmed": {"$": "2026-05-18", "type": "xsd:date"}, "cs:attr_address": "Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2025-10-27", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:03faa153-9167-4096-911b-d372084adf94"}}}