{"prefix": {"app": "https://explain.openprovenance.org/creditscoring/", "pl": "http://openprovenance.org/ns/plead#", "cs": "http://openprovenance.org/ns/creditscoring#", "uuid": "urn:uuid:", "csd": "https://explain.openprovenance.org/creditscoring/ns#"}, "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/546": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Vincent Fry-Wood"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/13": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "VOXI"}, "app:providers/15": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Bank"}}, "wasGeneratedBy": {"_:id1": {"prov:entity": "app:decisions/1441", "prov:activity": "uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8"}, "_:id6": {"prov:entity": "app:recommendations/1441", "prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4"}, "_:id19": {"prov:entity": "app:creditreports/1441", "prov:activity": "uuid:d0583906-8ba3-4d78-a224-41dbea8ee181"}}, "activity": {"uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8": {"prov:startTime": "2026-09-07T02:58:36.538000+01:00", "prov:endTime": "2026-09-07T02:58:49.066000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:64f7e767-4959-4702-b3e0-11806e1116c4": {"prov:startTime": "2026-09-07T02:58:36.538000+01:00", "prov:endTime": "2026-09-07T02:58:49.066000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:d0583906-8ba3-4d78-a224-41dbea8ee181": {"prov:startTime": "2026-09-07T02:58:49.057000+01:00", "prov:endTime": "2026-09-07T02:58:49.057000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasDerivedFrom": {"_:id2": {"prov:generatedEntity": "app:decisions/1441", "prov:usedEntity": "app:applications/546"}, "_:id8": {"prov:generatedEntity": "app:recommendations/1441", "prov:usedEntity": "app:creditreports/1441"}, "_:id9": {"prov:generatedEntity": "app:recommendations/1441", "prov:usedEntity": "app:applications/546"}, "_:id10": {"prov:generatedEntity": "app:recommendations/1441", "prov:usedEntity": "app:records/4699"}, "_:id16": {"prov:generatedEntity": "app:decisions/1441", "prov:usedEntity": "app:recommendations/1441"}, "_:id18": {"prov:generatedEntity": "app:applications/546/id", "prov:usedEntity": "app:applications/546"}, "_:id21": {"prov:generatedEntity": "app:creditreports/1441", "prov:usedEntity": "app:applications/546/id"}, "_:id24": {"prov:generatedEntity": "app:creditreports/1441", "prov:usedEntity": "app:records/4698"}, "_:id25": {"prov:generatedEntity": "app:creditreports/1441", "prov:usedEntity": "app:records/4699"}, "_:id26": {"prov:generatedEntity": "app:creditreports/1441", "prov:usedEntity": "app:records/4697"}}, "wasAssociatedWith": {"_:id3": {"prov:activity": "uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8", "prov:agent": "app:the_bank"}, "_:id11": {"prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id20": {"prov:activity": "uuid:d0583906-8ba3-4d78-a224-41dbea8ee181", "prov:agent": "app:providers/1"}}, "used": {"_:id4": {"prov:activity": "uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8", "prov:entity": "app:applications/546"}, "_:id12": {"prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4", "prov:entity": "app:records/4699"}, "_:id13": {"prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4", "prov:entity": "app:applications/546"}, "_:id14": {"prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4", "prov:entity": "app:creditreports/1441"}, "_:id22": {"prov:activity": "uuid:d0583906-8ba3-4d78-a224-41dbea8ee181", "prov:entity": "app:applications/546/id"}}, "wasAttributedTo": {"_:id5": {"prov:entity": "app:decisions/1441", "prov:agent": "app:the_bank"}, "_:id15": {"prov:entity": "app:recommendations/1441", "prov:agent": "app:machines/one"}, "_:id17": {"prov:entity": "app:applications/546", "prov:agent": "app:applicants/546"}, "_:id23": {"prov:entity": "app:creditreports/1441", "prov:agent": "app:providers/1"}, "_:id27": {"prov:entity": "app:records/4697", "prov:agent": "app:providers/2"}, "_:id28": {"prov:entity": "app:records/4698", "prov:agent": "app:providers/13"}, "_:id29": {"prov:entity": "app:records/4699", "prov:agent": "app:providers/15"}}, "entity": {"app:applications/546": [{}, {}, {"cs:attr_annual_income": {"$": 27000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-09-07T02:58:36.538012", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", "cs:attr_address": "Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", "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": {"$": "1998-10-08", "type": "xsd:date"}, "cs:attr_emp_title": "Clothing/textile technologist", "cs:attr_home_ownership": {"$": 3, "type": "xsd:int"}, "cs:attr_phone_number": "+44(0)292018368", "cs:attr_email_address": "jennabanks@example.org", "cs:attr_applicant_name": "Vincent Fry-Wood", "cs:attr_emp_length": {"$": 6, "type": "xsd:int"}}, {}], "app:decisions/1441": [{"pl:created_at": {"$": "2026-09-07T02:58:49.066689", "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/1441": [{}, {"pl:created_at": {"$": "2026-09-07T02:58:49.057750", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 611, "type": "xsd:int"}}], "app:records/4699": [{}, {"pl:created_at": {"$": "2026-09-07T02:58:49.065618", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "53.99", "type": "xsd:float"}, "cs:attr_month": "Feb-2026", "prov:type": [{"$": "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": {"$": "557.59", "type": "xsd:float"}}], "app:recommendations/1441": [{"pl:created_at": {"$": "2026-09-07T02:58:49.066689", "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": {"$": "cs:rejected", "type": "prov:QUALIFIED_NAME"}}, {}], "app:applications/546/id": [{"cs:attr_prev_address": "Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", "cs:attr_address": "Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1998-10-08", "type": "xsd:date"}, "cs:attr_applicant_name": "Vincent Fry-Wood"}, {}], "app:records/4697": {"pl:created_at": {"$": "2026-08-13T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", "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": {"$": "2025-01-22", "type": "xsd:date"}}, "app:records/4698": {"pl:created_at": {"$": "2026-09-07T02:58:49.064063", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", "cs:attr_first_confirmed": {"$": "2026-09-02", "type": "xsd:date"}, "cs:attr_address": "Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2026-08-19", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:64f7e767-4959-4702-b3e0-11806e1116c4"}}}