Provenance for Decision #106

Decided on: March 26, 2025, 5:54 p.m.

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G n1 app:the_bank ann1 prov:label Some bank prov:type cs:RetailBank prov:type pl:DataController prov:type prov:Organization ann1->n1 n2 uuid:86041409-c65c-4650-b931-22153b4e0908 n3 app:applications/67 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-03-26T11:22:38.032000+00:00 prov:endTime 2025-03-26T17:54:50.992000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/67 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 894 Trevor crossroad, South Lesleymouth, UB4N 8GD cs:attr_annual_income 43000 cs:attr_applicant_name Joanna Turner cs:attr_dob "1985-11-27" %% xsd:date cs:attr_email_address tsims@example.net cs:attr_emp_length 11 cs:attr_emp_title Quality manager cs:attr_home_ownership 4 cs:attr_phone_number (029) 2018632 cs:attr_prev_address 7 Phillip spurs, Trevorborough, CB0 5QW pl:created_at 2025-03-26T11:22:38.032139 ann3->n3 n4 app:decisions/106 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-03-26T17:54:50.992035 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:7a403cdf-49a6-46b8-b434-0da82e624cd7 n6->n3 used n8 app:records/410 n6->n8 used n10 app:records/409 n6->n10 used n11 app:creditreports/106 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-03-26T11:22:38.032000+00:00 prov:endTime 2025-03-26T17:54:50.992000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n20 app:providers/15 n8->n20 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "358.72" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Oct-2024 cs:attr_payment_amount "33.66" %% xsd:float pl:created_at 2025-03-26T17:54:50.991141 ann7->n8 n9 app:recommendations/106 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-03-26T17:54:50.992035 pl:reason cs:low_credit_score ann8->n9 n10->n20 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "358.72" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-26T17:54:50.990432 ann9->n10 n14 app:providers/1 n11->n14 wasAttributedTo n15 uuid:7a3ab36f-c8e2-4f8e-af1d-0732f8400d62 n11->n15 wasGeneratedBy b11 n11->b11 wasDerivedFrom b13 n11->b13 wasDerivedFrom b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom ann10 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 62 pl:created_at 2025-03-26T17:54:50.984160 ann10->n11 ann11 prov:label Joanna Turner prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/67/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 894 Trevor crossroad, South Lesleymouth, UB4N 8GD cs:attr_applicant_name Joanna Turner cs:attr_dob "1985-11-27" %% xsd:date cs:attr_prev_address 7 Phillip spurs, Trevorborough, CB0 5QW ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-03-26T17:54:50.984000+00:00 prov:endTime 2025-03-26T17:54:50.984000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/407 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 894 Trevor crossroad, South Lesleymouth, UB4N 8GD cs:attr_from_date "2024-08-04" %% xsd:date pl:created_at 2025-03-22T00:00:00 ann16->n17 n18 app:providers/7 ann17 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/408 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 894 Trevor crossroad, South Lesleymouth, UB4N 8GD cs:attr_first_confirmed "2025-03-12" %% xsd:date cs:attr_last_confirmed "2024-07-23" %% xsd:date cs:attr_prev_address 7 Phillip spurs, Trevorborough, CB0 5QW pl:created_at 2025-03-26T17:54:50.989030 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n10 b6->n11 b7->n8 b8->n5 b8->n7 plan b9->n9 b10->n3 b11->n13 b12->n14 b13->n19 b14->n10 b15->n8 b16->n17