{"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/1067", "prov:activity": "uuid:99917408-ca03-4208-8505-3abe614d2ffd"}, "_:id6": {"prov:entity": "app:recommendations/1067", "prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d"}, "_:id19": {"prov:entity": "app:creditreports/1067", "prov:activity": "uuid:79169d30-ca5c-4f23-810e-e54b6ae779be"}}, "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/446": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Patricia Taylor"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/12": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "TalkTalk"}, "app:providers/15": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Bank"}}, "activity": {"uuid:99917408-ca03-4208-8505-3abe614d2ffd": {"prov:startTime": "2026-06-13T11:35:02.927000+01:00", "prov:endTime": "2026-06-15T19:03:08.851000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:fef03536-7871-495e-a2ca-e858d4e5064d": {"prov:startTime": "2026-06-13T11:35:02.927000+01:00", "prov:endTime": "2026-06-15T19:03:08.851000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:79169d30-ca5c-4f23-810e-e54b6ae779be": {"prov:startTime": "2026-06-15T19:03:08.843000+01:00", "prov:endTime": "2026-06-15T19:03:08.843000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasAssociatedWith": {"_:id2": {"prov:activity": "uuid:99917408-ca03-4208-8505-3abe614d2ffd", "prov:agent": "app:the_bank"}, "_:id8": {"prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id20": {"prov:activity": "uuid:79169d30-ca5c-4f23-810e-e54b6ae779be", "prov:agent": "app:providers/1"}}, "wasDerivedFrom": {"_:id3": {"prov:generatedEntity": "app:decisions/1067", "prov:usedEntity": "app:applications/446"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1067", "prov:usedEntity": "app:applications/446"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1067", "prov:usedEntity": "app:creditreports/1067"}, "_:id11": {"prov:generatedEntity": "app:recommendations/1067", "prov:usedEntity": "app:records/3566"}, "_:id16": {"prov:generatedEntity": "app:decisions/1067", "prov:usedEntity": "app:recommendations/1067"}, "_:id18": {"prov:generatedEntity": "app:applications/446/id", "prov:usedEntity": "app:applications/446"}, "_:id21": {"prov:generatedEntity": "app:creditreports/1067", "prov:usedEntity": "app:applications/446/id"}, "_:id24": {"prov:generatedEntity": "app:creditreports/1067", "prov:usedEntity": "app:records/3565"}, "_:id25": {"prov:generatedEntity": "app:creditreports/1067", "prov:usedEntity": "app:records/3566"}, "_:id26": {"prov:generatedEntity": "app:creditreports/1067", "prov:usedEntity": "app:records/3564"}}, "used": {"_:id4": {"prov:activity": "uuid:99917408-ca03-4208-8505-3abe614d2ffd", "prov:entity": "app:applications/446"}, "_:id13": {"prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d", "prov:entity": "app:records/3566"}, "_:id14": {"prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d", "prov:entity": "app:applications/446"}, "_:id15": {"prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d", "prov:entity": "app:creditreports/1067"}, "_:id23": {"prov:activity": "uuid:79169d30-ca5c-4f23-810e-e54b6ae779be", "prov:entity": "app:applications/446/id"}}, "wasAttributedTo": {"_:id5": {"prov:entity": "app:decisions/1067", "prov:agent": "app:the_bank"}, "_:id12": {"prov:entity": "app:recommendations/1067", "prov:agent": "app:machines/one"}, "_:id17": {"prov:entity": "app:applications/446", "prov:agent": "app:applicants/446"}, "_:id22": {"prov:entity": "app:creditreports/1067", "prov:agent": "app:providers/1"}, "_:id27": {"prov:entity": "app:records/3564", "prov:agent": "app:providers/2"}, "_:id28": {"prov:entity": "app:records/3565", "prov:agent": "app:providers/12"}, "_:id29": {"prov:entity": "app:records/3566", "prov:agent": "app:providers/15"}}, "entity": {"app:applications/446": [{}, {}, {"cs:attr_annual_income": {"$": 74000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-06-13T11:35:02.927958", "type": "xsd:dateTime"}, "cs:attr_prev_address": "240 Jasmine centers, Mitchellton, IG9 4YR", "cs:attr_address": "667 Spencer path, West Brianmouth, L08 5ZF", "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": {"$": "1966-12-04", "type": "xsd:date"}, "cs:attr_emp_title": "Therapist, horticultural", "cs:attr_home_ownership": {"$": 2, "type": "xsd:int"}, "cs:attr_phone_number": "(0115) 496 0397", "cs:attr_email_address": "chelseaharvey@example.org", "cs:attr_applicant_name": "Patricia Taylor", "cs:attr_emp_length": {"$": 14, "type": "xsd:int"}}, {}], "app:decisions/1067": [{"pl:created_at": {"$": "2026-06-15T19:03:08.851905", "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:models/creditcard_assessment": {}, "app:creditreports/1067": [{}, {"pl:created_at": {"$": "2026-06-15T19:03:08.843562", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 245, "type": "xsd:int"}}], "app:recommendations/1067": [{"pl:created_at": {"$": "2026-06-15T19:03:08.851905", "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": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}}, {}], "app:records/3566": [{}, {"pl:created_at": {"$": "2026-06-15T19:03:08.850565", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "20.62", "type": "xsd:float"}, "cs:attr_month": "Mar-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2400.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1182.59", "type": "xsd:float"}}], "app:applications/446/id": [{"cs:attr_prev_address": "240 Jasmine centers, Mitchellton, IG9 4YR", "cs:attr_address": "667 Spencer path, West Brianmouth, L08 5ZF", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1966-12-04", "type": "xsd:date"}, "cs:attr_applicant_name": "Patricia Taylor"}, {}], "app:records/3564": {"pl:created_at": {"$": "2026-05-25T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "667 Spencer path, West Brianmouth, L08 5ZF", "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": {"$": "2024-12-02", "type": "xsd:date"}}, "app:records/3565": {"pl:created_at": {"$": "2026-06-15T19:03:08.849097", "type": "xsd:dateTime"}, "cs:attr_prev_address": "240 Jasmine centers, Mitchellton, IG9 4YR", "cs:attr_first_confirmed": {"$": "2026-06-02", "type": "xsd:date"}, "cs:attr_address": "667 Spencer path, West Brianmouth, L08 5ZF", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2025-09-18", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:fef03536-7871-495e-a2ca-e858d4e5064d"}}}