{"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/986", "prov:activity": "uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d"}, "_:id6": {"prov:entity": "app:recommendations/986", "prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb"}, "_:id25": {"prov:entity": "app:creditreports/986", "prov:activity": "uuid:de0b2925-0cbc-4051-9b06-55cebaceab97"}}, "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/433": {"prov:type": [{"$": "pl:DataSubject", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:Applicant", "type": "prov:QUALIFIED_NAME"}], "prov:label": "Leanne Baker"}, "app:providers/1": {"prov:type": [{"$": "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"}, {"$": "cs:ElectoralAuthority", "type": "prov:QUALIFIED_NAME"}], "prov:label": "The Electoral Commission"}, "app:providers/10": {"prov:type": [{"$": "cs:DataProvider", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:UtilityCompany", "type": "prov:QUALIFIED_NAME"}], "prov:label": "BT"}, "app:providers/14": [{"prov:type": [{"$": "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"}, {"$": "cs:FinancialInstitution", "type": "prov:QUALIFIED_NAME"}], "prov:label": "A Credit Card Company"}]}, "activity": {"uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d": {"prov:startTime": "2026-05-24T18:48:13.878000+01:00", "prov:endTime": "2026-05-24T19:06:37.135000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb": {"prov:startTime": "2026-05-24T18:48:13.878000+01:00", "prov:endTime": "2026-05-24T19:06:37.135000+01:00", "prov:type": [{"$": "pl:MachineLedActivity", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:AutomatedAssessingCreditApplication", "type": "prov:QUALIFIED_NAME"}]}, "uuid:de0b2925-0cbc-4051-9b06-55cebaceab97": {"prov:startTime": "2026-05-24T19:06:37.126000+01:00", "prov:endTime": "2026-05-24T19:06:37.126000+01:00", "prov:type": {"$": "cs:SearchingCreditHistory", "type": "prov:QUALIFIED_NAME"}}}, "wasDerivedFrom": {"_:id2": {"prov:generatedEntity": "app:decisions/986", "prov:usedEntity": "app:applications/433"}, "_:id8": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:applications/433"}, "_:id9": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:creditreports/986"}, "_:id10": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:records/3327"}, "_:id11": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:records/3328"}, "_:id12": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:records/3325"}, "_:id13": {"prov:generatedEntity": "app:recommendations/986", "prov:usedEntity": "app:records/3326"}, "_:id22": {"prov:generatedEntity": "app:decisions/986", "prov:usedEntity": "app:recommendations/986"}, "_:id24": {"prov:generatedEntity": "app:applications/433/id", "prov:usedEntity": "app:applications/433"}, "_:id26": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:applications/433/id"}, "_:id30": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3326"}, "_:id31": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3324"}, "_:id32": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3328"}, "_:id33": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3323"}, "_:id34": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3327"}, "_:id35": {"prov:generatedEntity": "app:creditreports/986", "prov:usedEntity": "app:records/3325"}}, "wasAssociatedWith": {"_:id3": {"prov:activity": "uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d", "prov:agent": "app:the_bank"}, "_:id14": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:agent": "app:machines/one", "prov:plan": "app:models/creditcard_assessment"}, "_:id27": {"prov:activity": "uuid:de0b2925-0cbc-4051-9b06-55cebaceab97", "prov:agent": "app:providers/1"}}, "wasAttributedTo": {"_:id4": {"prov:entity": "app:decisions/986", "prov:agent": "app:the_bank"}, "_:id21": {"prov:entity": "app:recommendations/986", "prov:agent": "app:machines/one"}, "_:id23": {"prov:entity": "app:applications/433", "prov:agent": "app:applicants/433"}, "_:id28": {"prov:entity": "app:creditreports/986", "prov:agent": "app:providers/1"}, "_:id36": {"prov:entity": "app:records/3323", "prov:agent": "app:providers/2"}, "_:id37": {"prov:entity": "app:records/3324", "prov:agent": "app:providers/10"}, "_:id38": {"prov:entity": "app:records/3328", "prov:agent": "app:providers/14"}, "_:id39": {"prov:entity": "app:records/3325", "prov:agent": "app:providers/14"}, "_:id40": {"prov:entity": "app:records/3326", "prov:agent": "app:providers/14"}, "_:id41": {"prov:entity": "app:records/3327", "prov:agent": "app:providers/14"}}, "used": {"_:id5": {"prov:activity": "uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d", "prov:entity": "app:applications/433"}, "_:id15": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:applications/433"}, "_:id16": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:records/3327"}, "_:id17": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:creditreports/986"}, "_:id18": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:records/3325"}, "_:id19": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:records/3326"}, "_:id20": {"prov:activity": "uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb", "prov:entity": "app:records/3328"}, "_:id29": {"prov:activity": "uuid:de0b2925-0cbc-4051-9b06-55cebaceab97", "prov:entity": "app:applications/433/id"}}, "entity": {"app:applications/433": [{}, {}, {"cs:attr_annual_income": {"$": 66000, "type": "xsd:int"}, "pl:created_at": {"$": "2026-05-24T18:48:13.878014", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", "cs:attr_address": "Flat 5, Alexandra fords, Lisahaven, ME28 3BR", "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": {"$": "1989-07-11", "type": "xsd:date"}, "cs:attr_emp_title": "Television/film/video producer", "cs:attr_home_ownership": {"$": 3, "type": "xsd:int"}, "cs:attr_phone_number": "028 9018 0580", "cs:attr_email_address": "samclarke@example.com", "cs:attr_applicant_name": "Leanne Baker", "cs:attr_emp_length": {"$": 9, "type": "xsd:int"}}, {}], "app:decisions/986": [{"pl:created_at": {"$": "2026-05-24T19:06:37.135897", "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/986": [{"pl:created_at": {"$": "2026-05-24T19:06:37.135897", "type": "xsd:dateTime"}, "prov:type": [{"$": "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/3328": [{}, {"pl:created_at": {"$": "2026-05-24T19:06:37.134964", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Mar-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": {"$": "2100.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "523.91", "type": "xsd:float"}}], "app:records/3325": [{}, {"pl:created_at": {"$": "2026-05-24T19:06:37.133013", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Oct-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": {"$": "2100.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "523.91", "type": "xsd:float"}}], "app:creditreports/986": [{}, {"pl:created_at": {"$": "2026-05-24T19:06:37.126172", "type": "xsd:dateTime"}, "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditHistory", "type": "prov:QUALIFIED_NAME"}], "cs:credit_score": {"$": 150, "type": "xsd:int"}}], "app:records/3326": [{}, {"pl:created_at": {"$": "2026-05-24T19:06:37.133801", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Oct-2025", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2100.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "523.91", "type": "xsd:float"}}], "app:records/3327": [{}, {"pl:created_at": {"$": "2026-05-24T19:06:37.134396", "type": "xsd:dateTime"}, "cs:attr_payment_amount": {"$": "0.0", "type": "xsd:float"}, "cs:attr_month": "Nov-2025", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:ExternalData", "type": "prov:QUALIFIED_NAME"}, {"$": "csd:MissedPayment", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:CreditRecord", "type": "prov:QUALIFIED_NAME"}], "cs:attr_credit_limit": {"$": "2100.0", "type": "xsd:float"}, "cs:attr_account": "Everyday Creditcard", "cs:attr_balance": {"$": "523.91", "type": "xsd:float"}}], "app:applications/433/id": [{"cs:attr_prev_address": "Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", "cs:attr_address": "Flat 5, Alexandra fords, Lisahaven, ME28 3BR", "prov:type": [{"$": "pl:Data", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:SubjectData", "type": "prov:QUALIFIED_NAME"}, {"$": "cs:PersonIdentifier", "type": "prov:QUALIFIED_NAME"}], "cs:attr_dob": {"$": "1989-07-11", "type": "xsd:date"}, "cs:attr_applicant_name": "Leanne Baker"}, {}], "app:records/3323": {"pl:created_at": {"$": "2026-05-14T00:00:00", "type": "xsd:dateTime"}, "cs:attr_address": "Flat 5, Alexandra fords, Lisahaven, ME28 3BR", "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": {"$": "2024-05-05", "type": "xsd:date"}}, "app:records/3324": {"pl:created_at": {"$": "2026-05-24T19:06:37.131529", "type": "xsd:dateTime"}, "cs:attr_prev_address": "Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", "cs:attr_first_confirmed": {"$": "2026-05-10", "type": "xsd:date"}, "cs:attr_address": "Flat 5, Alexandra fords, Lisahaven, ME28 3BR", "prov:type": [{"$": "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:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb"}}}