{"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/896", "prov:activity": "uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d"}, "_:id6": {"prov:entity": "app:recommendations/896", "prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9"}, "_:id21": {"prov:entity": "app:creditreports/896", "prov:activity": "uuid:b43b987d-ef24-42b9-93df-49d643e01d95"}}, "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/401": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Rosemary Brown"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "VOXI"}, "app:providers/14": [{"prov:type": [{"$": "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"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}]}, "activity": {"uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d": {"prov:startTime": "2026-04-17T18:53:19.194000+01:00", "prov:endTime": "2026-04-18T20:01:30.503000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9": {"prov:startTime": "2026-04-17T18:53:19.194000+01:00", "prov:endTime": "2026-04-18T20:01:30.503000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:b43b987d-ef24-42b9-93df-49d643e01d95": {"prov:startTime": "2026-04-18T20:01:30.495000+01:00", "prov:endTime": "2026-04-18T20:01:30.495000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasAssociatedWith": {"_:id2": {"prov:activity": "uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d", "prov:agent": "app:the_bank"}, "_:id8": {"prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id23": {"prov:activity": "uuid:b43b987d-ef24-42b9-93df-49d643e01d95", "prov:agent": "app:providers/1"}}, "wasDerivedFrom": {"_:id3": {"prov:generatedEntity": "app:decisions/896", "prov:usedEntity": "app:applications/401"}, "_:id9": {"prov:generatedEntity": "app:recommendations/896", "prov:usedEntity": "app:creditreports/896"}, "_:id10": {"prov:generatedEntity": "app:recommendations/896", "prov:usedEntity": "app:records/3039"}, "_:id11": {"prov:generatedEntity": "app:recommendations/896", "prov:usedEntity": "app:records/3040"}, "_:id12": {"prov:generatedEntity": "app:recommendations/896", "prov:usedEntity": "app:applications/401"}, "_:id18": {"prov:generatedEntity": "app:decisions/896", "prov:usedEntity": "app:recommendations/896"}, "_:id20": {"prov:generatedEntity": "app:applications/401/id", "prov:usedEntity": "app:applications/401"}, "_:id22": {"prov:generatedEntity": "app:creditreports/896", "prov:usedEntity": "app:applications/401/id"}, "_:id26": {"prov:generatedEntity": "app:creditreports/896", "prov:usedEntity": "app:records/3038"}, "_:id27": {"prov:generatedEntity": "app:creditreports/896", "prov:usedEntity": "app:records/3040"}, "_:id28": {"prov:generatedEntity": "app:creditreports/896", "prov:usedEntity": "app:records/3039"}, "_:id29": {"prov:generatedEntity": "app:creditreports/896", "prov:usedEntity": "app:records/3037"}}, "used": {"_:id4": {"prov:activity": "uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d", "prov:entity": "app:applications/401"}, "_:id14": {"prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9", "prov:entity": "app:creditreports/896"}, "_:id15": {"prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9", "prov:entity": "app:records/3040"}, "_:id16": {"prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9", "prov:entity": "app:records/3039"}, "_:id17": {"prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9", "prov:entity": "app:applications/401"}, "_:id25": {"prov:activity": "uuid:b43b987d-ef24-42b9-93df-49d643e01d95", "prov:entity": "app:applications/401/id"}}, "wasAttributedTo": {"_:id5": {"prov:entity": "app:decisions/896", "prov:agent": "app:the_bank"}, "_:id13": {"prov:entity": "app:recommendations/896", "prov:agent": "app:machines/one"}, "_:id19": {"prov:entity": "app:applications/401", "prov:agent": "app:applicants/401"}, "_:id24": {"prov:entity": "app:creditreports/896", "prov:agent": "app:providers/1"}, "_:id30": {"prov:entity": "app:records/3037", "prov:agent": "app:providers/2"}, "_:id31": {"prov:entity": "app:records/3038", "prov:agent": "app:providers/13"}, "_:id32": {"prov:entity": "app:records/3040", "prov:agent": "app:providers/14"}, "_:id33": {"prov:entity": "app:records/3039", "prov:agent": "app:providers/14"}}, "entity": {"app:applications/401": [{}, {}, {"cs:attr_annual_income": {"$": 119000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-04-17T18:53:19.194597", "type": "xsd:dateTime"}, "cs:attr_prev_address": "0 Wilson orchard, Lake Lindsey, IG1 2RW", "cs:attr_address": "Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", "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": {"$": "1986-12-24", "type": "xsd:date"}, "cs:attr_emp_title": "Statistician", "cs:attr_home_ownership": {"$": 4, "type": "xsd:int"}, "cs:attr_phone_number": "+441632 960 955", "cs:attr_email_address": "xhughes@example.org", "cs:attr_applicant_name": "Rosemary Brown", "cs:attr_emp_length": {"$": 16, "type": "xsd:int"}}, {}], "app:decisions/896": [{"pl:created_at": {"$": "2026-04-18T20:01:30.503685", "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:recommendations/896": [{"pl:created_at": {"$": "2026-04-18T20:01:30.503685", "type": "xsd:dateTime"}, "prov:type": [{"$": "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/896": [{}, {"pl:created_at": {"$": "2026-04-18T20:01:30.495604", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 641, "type": "xsd:int"}}], "app:records/3040": [{}, {"pl:created_at": {"$": "2026-04-18T20:01:30.502810", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "19.03", "type": "xsd:float"}, "cs:attr_month": "Sep-2025", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:LatePayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "1200.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "653.03", "type": "xsd:float"}}], "app:records/3039": [{}, {"pl:created_at": {"$": "2026-04-18T20:01:30.502061", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "36.47", "type": "xsd:float"}, "cs:attr_month": "Feb-2026", "prov:type": [{"$": "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": {"$": "653.03", "type": "xsd:float"}}], "app:applications/401/id": [{"cs:attr_prev_address": "0 Wilson orchard, Lake Lindsey, IG1 2RW", "cs:attr_address": "Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1986-12-24", "type": "xsd:date"}, "cs:attr_applicant_name": "Rosemary Brown"}, {}], "app:records/3037": {"pl:created_at": {"$": "2026-03-19T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", "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": {"$": "2024-05-18", "type": "xsd:date"}}, "app:records/3038": {"pl:created_at": {"$": "2026-04-18T20:01:30.500661", "type": "xsd:dateTime"}, "cs:attr_prev_address": "0 Wilson orchard, Lake Lindsey, IG1 2RW", "cs:attr_first_confirmed": {"$": "2026-04-01", "type": "xsd:date"}, "cs:attr_address": "Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:LinkedAddressRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_last_confirmed": {"$": "2025-12-17", "type": "xsd:date"}}}, "actedOnBehalfOf": {"_:id7": {"prov:delegate": "app:machines/one", "prov:responsible": "app:the_bank", "prov:activity": "uuid:af308d7a-d55c-4ecd-9384-db9078821ac9"}}}