{"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/1163", "prov:activity": "uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605"}, "_:id6": {"prov:entity": "app:recommendations/1163", "prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2"}, "_:id25": {"prov:entity": "app:creditreports/1163", "prov:activity": "uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3"}}, "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/476": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Anne Green"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Virgin Media"}, "app:providers/14": [{"prov:type": [{"$": "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"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}, {"prov:type": [{"$": "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"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}]}, "activity": {"uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605": {"prov:startTime": "2026-07-09T03:41:44.755000+01:00", "prov:endTime": "2026-07-09T20:14:18.229000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2": {"prov:startTime": "2026-07-09T03:41:44.755000+01:00", "prov:endTime": "2026-07-09T20:14:18.229000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3": {"prov:startTime": "2026-07-09T20:14:18.218000+01:00", "prov:endTime": "2026-07-09T20:14:18.218000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasAssociatedWith": {"_:id2": {"prov:activity": "uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605", "prov:agent": "app:the_bank"}, "_:id14": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id27": {"prov:activity": "uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3", "prov:agent": "app:providers/1"}}, "wasDerivedFrom": {"_:id3": {"prov:generatedEntity": "app:decisions/1163", "prov:usedEntity": "app:applications/476"}, "_:id8": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:records/3869"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:creditreports/1163"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:applications/476"}, "_:id11": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:records/3871"}, "_:id12": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:records/3868"}, "_:id13": {"prov:generatedEntity": "app:recommendations/1163", "prov:usedEntity": "app:records/3870"}, "_:id22": {"prov:generatedEntity": "app:decisions/1163", "prov:usedEntity": "app:recommendations/1163"}, "_:id24": {"prov:generatedEntity": "app:applications/476/id", "prov:usedEntity": "app:applications/476"}, "_:id26": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:applications/476/id"}, "_:id30": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3867"}, "_:id31": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3868"}, "_:id32": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3870"}, "_:id33": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3871"}, "_:id34": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3869"}, "_:id35": {"prov:generatedEntity": "app:creditreports/1163", "prov:usedEntity": "app:records/3866"}}, "wasAttributedTo": {"_:id4": {"prov:entity": "app:decisions/1163", "prov:agent": "app:the_bank"}, "_:id21": {"prov:entity": "app:recommendations/1163", "prov:agent": "app:machines/one"}, "_:id23": {"prov:entity": "app:applications/476", "prov:agent": "app:applicants/476"}, "_:id29": {"prov:entity": "app:creditreports/1163", "prov:agent": "app:providers/1"}, "_:id36": {"prov:entity": "app:records/3866", "prov:agent": "app:providers/2"}, "_:id37": {"prov:entity": "app:records/3867", "prov:agent": "app:providers/8"}, "_:id38": {"prov:entity": "app:records/3868", "prov:agent": "app:providers/14"}, "_:id39": {"prov:entity": "app:records/3869", "prov:agent": "app:providers/14"}, "_:id40": {"prov:entity": "app:records/3870", "prov:agent": "app:providers/14"}, "_:id41": {"prov:entity": "app:records/3871", "prov:agent": "app:providers/14"}}, "used": {"_:id5": {"prov:activity": "uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605", "prov:entity": "app:applications/476"}, "_:id15": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:records/3869"}, "_:id16": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:applications/476"}, "_:id17": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:records/3871"}, "_:id18": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:records/3870"}, "_:id19": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:creditreports/1163"}, "_:id20": {"prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2", "prov:entity": "app:records/3868"}, "_:id28": {"prov:activity": "uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3", "prov:entity": "app:applications/476/id"}}, "entity": {"app:applications/476": [{}, {}, {"cs:attr_annual_income": {"$": 84000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-07-09T03:41:44.755326", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 82, Debra extension, New Michelle, B1 6QB", "cs:attr_address": "670 Glover branch, Lake Shane, IM8R 5FH", "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": {"$": "1951-05-13", "type": "xsd:date"}, "cs:attr_emp_title": "Purchasing manager", "cs:attr_home_ownership": {"$": 1, "type": "xsd:int"}, "cs:attr_phone_number": "+44(0)191 496 0605", "cs:attr_email_address": "iainwilliams@example.com", "cs:attr_applicant_name": "Anne Green", "cs:attr_emp_length": {"$": 19, "type": "xsd:int"}}, {}], "app:decisions/1163": [{"pl:created_at": {"$": "2026-07-09T20:14:18.229283", "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:records/3871": [{}, {"pl:created_at": {"$": "2026-07-09T20:14:18.228333", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "May-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": {"$": "2600.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1393.71", "type": "xsd:float"}}], "app:creditreports/1163": [{}, {"pl:created_at": {"$": "2026-07-09T20:14:18.218647", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 698, "type": "xsd:int"}}], "app:records/3870": [{}, {"pl:created_at": {"$": "2026-07-09T20:14:18.227748", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "134.68", "type": "xsd:float"}, "cs:attr_month": "Jun-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2600.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1393.71", "type": "xsd:float"}}], "app:models/creditcard_assessment": {}, "app:records/3868": [{}, {"pl:created_at": {"$": "2026-07-09T20:14:18.226307", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Sep-2025", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2600.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1393.71", "type": "xsd:float"}}], "app:recommendations/1163": [{"pl:created_at": {"$": "2026-07-09T20:14:18.229283", "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": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}}, {}], "app:records/3869": [{}, {"pl:created_at": {"$": "2026-07-09T20:14:18.227128", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "May-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2600.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1393.71", "type": "xsd:float"}}], "app:applications/476/id": [{"cs:attr_prev_address": "Flat 82, Debra extension, New Michelle, B1 6QB", "cs:attr_address": "670 Glover branch, Lake Shane, IM8R 5FH", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1951-05-13", "type": "xsd:date"}, "cs:attr_applicant_name": "Anne Green"}, {}], "app:records/3866": {"pl:created_at": {"$": "2026-06-13T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "670 Glover branch, Lake Shane, IM8R 5FH", "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": {"$": "2025-09-16", "type": "xsd:date"}}, "app:records/3867": {"pl:created_at": {"$": "2026-07-09T20:14:18.224439", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 82, Debra extension, New Michelle, B1 6QB", "cs:attr_first_confirmed": {"$": "2026-07-05", "type": "xsd:date"}, "cs:attr_address": "670 Glover branch, Lake Shane, IM8R 5FH", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2026-02-16", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2"}}}