{"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/1272", "prov:activity": "uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530"}, "_:id6": {"prov:entity": "app:recommendations/1272", "prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225"}, "_:id31": {"prov:entity": "app:creditreports/1272", "prov:activity": "uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1"}}, "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/506": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Stephen Collins"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/7": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Tesco Mobile"}, "app:providers/14": [{"prov:type": [{"$": "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"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}]}, "activity": {"uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530": {"prov:startTime": "2026-07-31T04:11:21.083000+01:00", "prov:endTime": "2026-07-31T09:01:22.880000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:26d8e029-2001-44b8-9059-34181a333225": {"prov:startTime": "2026-07-31T04:11:21.083000+01:00", "prov:endTime": "2026-07-31T09:01:22.880000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1": {"prov:startTime": "2026-07-31T09:01:22.873000+01:00", "prov:endTime": "2026-07-31T09:01:22.873000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasDerivedFrom": {"_:id2": {"prov:generatedEntity": "app:decisions/1272", "prov:usedEntity": "app:applications/506"}, "_:id8": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4169"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4181"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4179"}, "_:id11": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4180"}, "_:id12": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4168"}, "_:id13": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4178"}, "_:id14": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:creditreports/1272"}, "_:id15": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:records/4170"}, "_:id16": {"prov:generatedEntity": "app:recommendations/1272", "prov:usedEntity": "app:applications/506"}, "_:id28": {"prov:generatedEntity": "app:decisions/1272", "prov:usedEntity": "app:recommendations/1272"}, "_:id30": {"prov:generatedEntity": "app:applications/506/id", "prov:usedEntity": "app:applications/506"}, "_:id33": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:applications/506/id"}, "_:id36": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4180"}, "_:id37": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4166"}, "_:id38": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4181"}, "_:id39": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4167"}, "_:id40": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4179"}, "_:id41": {"prov:generatedEntity": "app:creditreports/1272", "prov:usedEntity": "app:records/4178"}}, "wasAssociatedWith": {"_:id3": {"prov:activity": "uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530", "prov:agent": "app:the_bank"}, "_:id17": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id32": {"prov:activity": "uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1", "prov:agent": "app:providers/1"}}, "wasAttributedTo": {"_:id4": {"prov:entity": "app:decisions/1272", "prov:agent": "app:the_bank"}, "_:id27": {"prov:entity": "app:recommendations/1272", "prov:agent": "app:machines/one"}, "_:id29": {"prov:entity": "app:applications/506", "prov:agent": "app:applicants/506"}, "_:id35": {"prov:entity": "app:creditreports/1272", "prov:agent": "app:providers/1"}, "_:id42": {"prov:entity": "app:records/4166", "prov:agent": "app:providers/2"}, "_:id43": {"prov:entity": "app:records/4167", "prov:agent": "app:providers/7"}, "_:id44": {"prov:entity": "app:records/4178", "prov:agent": "app:providers/14"}, "_:id45": {"prov:entity": "app:records/4179", "prov:agent": "app:providers/14"}, "_:id46": {"prov:entity": "app:records/4180", "prov:agent": "app:providers/14"}, "_:id47": {"prov:entity": "app:records/4181", "prov:agent": "app:providers/14"}}, "used": {"_:id5": {"prov:activity": "uuid:f1d9079a-82eb-47c1-8cbe-9ae839abc530", "prov:entity": "app:applications/506"}, "_:id18": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4179"}, "_:id19": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4168"}, "_:id20": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:applications/506"}, "_:id21": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4170"}, "_:id22": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4180"}, "_:id23": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4169"}, "_:id24": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4178"}, "_:id25": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:creditreports/1272"}, "_:id26": {"prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225", "prov:entity": "app:records/4181"}, "_:id34": {"prov:activity": "uuid:506cd92f-0bcb-4a96-8096-59ab586fbfb1", "prov:entity": "app:applications/506/id"}}, "entity": {"app:decisions/1272": [{"pl:created_at": {"$": "2026-07-31T09:01:22.880671", "type": "xsd:dateTime"}, "cs:result": {"$": "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": {"$": "cs:low_credit_score", "type": "prov:QUALIFIED_NAME"}}, {}], "app:applications/506": [{}, {}, {"cs:attr_annual_income": {"$": 53000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-07-31T04:11:21.083256", "type": "xsd:dateTime"}, "cs:attr_prev_address": "14 Kennedy springs, East Pamelafort, M01 0XU", "cs:attr_address": "Studio 55x, Wood field, West Dorothy, LD4 4PN", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditCardApplication", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:Request", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1974-10-29", "type": "xsd:date"}, "cs:attr_emp_title": "Editorial assistant", "cs:attr_home_ownership": {"$": 3, "type": "xsd:int"}, "cs:attr_phone_number": "0131 4960870", "cs:attr_email_address": "fostershirley@example.org", "cs:attr_applicant_name": "Stephen Collins", "cs:attr_emp_length": {"$": 29, "type": "xsd:int"}}, {}], "app:creditreports/1272": [{}, {"pl:created_at": {"$": "2026-07-31T09:01:22.873036", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 573, "type": "xsd:int"}}], "app:records/4168": {}, "app:records/4179": [{}, {"pl:created_at": {"$": "2026-07-31T09:01:22.877763", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "28.63", "type": "xsd:float"}, "cs:attr_month": "Nov-2025", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1155.04", "type": "xsd:float"}}], "app:records/4178": [{}, {"pl:created_at": {"$": "2026-07-31T09:01:22.876969", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Feb-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1155.04", "type": "xsd:float"}}], "app:models/creditcard_assessment": {}, "app:records/4169": {}, "app:records/4181": [{}, {"pl:created_at": {"$": "2026-07-31T09:01:22.879506", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Apr-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1155.04", "type": "xsd:float"}}], "app:recommendations/1272": [{"pl:created_at": {"$": "2026-07-31T09:01:22.880671", "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": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}}, {}], "app:records/4170": {}, "app:records/4180": [{}, {"pl:created_at": {"$": "2026-07-31T09:01:22.878552", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "41.22", "type": "xsd:float"}, "cs:attr_month": "Jun-2026", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1500.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "1155.04", "type": "xsd:float"}}], "app:applications/506/id": [{"cs:attr_prev_address": "14 Kennedy springs, East Pamelafort, M01 0XU", "cs:attr_address": "Studio 55x, Wood field, West Dorothy, LD4 4PN", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1974-10-29", "type": "xsd:date"}, "cs:attr_applicant_name": "Stephen Collins"}, {}], "app:records/4166": {"pl:created_at": {"$": "2026-07-15T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Studio 55x, Wood field, West Dorothy, LD4 4PN", "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": {"$": "2025-12-26", "type": "xsd:date"}}, "app:records/4167": {"pl:created_at": {"$": "2026-07-31T09:01:15.681608", "type": "xsd:dateTime"}, "cs:attr_prev_address": "14 Kennedy springs, East Pamelafort, M01 0XU", "cs:attr_first_confirmed": {"$": "2026-07-20", "type": "xsd:date"}, "cs:attr_address": "Studio 55x, Wood field, West Dorothy, LD4 4PN", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2026-05-18", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:26d8e029-2001-44b8-9059-34181a333225"}}}