Provenance for Decision #116

Decided on: April 7, 2025, 2:50 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:17236412-0cf2-4e32-bccf-52cebe829914 n3 app:applications/68 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-04-03T08:20:41.579000+01:00 prov:endTime 2025-04-07T14:50:31.375000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n15 app:applicants/68 n3->n15 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 060 Jones groves, North Bethanytown, DT5W 7BJ cs:attr_annual_income 65000 cs:attr_applicant_name Cheryl Ward cs:attr_dob "1955-09-15" %% xsd:date cs:attr_email_address eevans@example.org cs:attr_emp_length 41 cs:attr_emp_title Water quality scientist cs:attr_home_ownership 4 cs:attr_phone_number 028 9018664 cs:attr_prev_address 503 McLean course, Gregoryton, M5F 0AX pl:created_at 2025-04-03T08:20:41.579073 ann3->n3 n4 app:decisions/116 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b12 n4->b12 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 2025-04-07T14:50:31.375881 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:07ebb0e8-3d90-471a-a556-8c531ce12a41 n6->n3 used n7 app:records/431 n6->n7 used n9 app:records/432 n6->n9 used n10 app:records/430 n6->n10 used n12 app:records/429 n6->n12 used n13 app:records/437 n6->n13 used n14 app:creditreports/116 n6->n14 used b11 n6->b11 wasAssociatedWith ann6 prov:startTime 2025-04-03T08:20:41.579000+01:00 prov:endTime 2025-04-07T14:50:31.375000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n8 app:models/creditcard_assessment n11 app:recommendations/116 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom b9 n11->b9 wasDerivedFrom b10 n11->b10 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-04-07T14:50:31.375881 pl:reason cs:low_credit_score ann7->n11 n23 app:providers/14 n13->n23 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "2022.46" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "47.41" %% xsd:float pl:created_at 2025-04-07T14:50:31.374836 ann8->n13 n17 app:providers/1 n14->n17 wasAttributedTo n18 uuid:41ae6c66-0191-44d5-b64f-d209ca8a5f8d n14->n18 wasGeneratedBy b14 n14->b14 wasDerivedFrom b16 n14->b16 wasDerivedFrom b17 n14->b17 wasDerivedFrom b18 n14->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 267 pl:created_at 2025-04-07T14:50:31.370682 ann9->n14 ann10 prov:label Cheryl Ward prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n15 n16 app:applications/68/id b13 n16->b13 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 060 Jones groves, North Bethanytown, DT5W 7BJ cs:attr_applicant_name Cheryl Ward cs:attr_dob "1955-09-15" %% xsd:date cs:attr_prev_address 503 McLean course, Gregoryton, M5F 0AX ann11->n16 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n17 n18->n16 used b15 n18->b15 wasAssociatedWith ann13 prov:startTime 2025-04-07T14:50:31.370000+01:00 prov:endTime 2025-04-07T14:50:31.370000+01:00 prov:type cs:SearchingCreditHistory ann13->n18 n19 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n19 n20 app:records/427 n20->n19 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 060 Jones groves, North Bethanytown, DT5W 7BJ cs:attr_from_date "2023-04-17" %% xsd:date pl:created_at 2025-03-10T00:00:00 ann15->n20 n21 app:providers/8 ann16 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n21 n22 app:records/428 n22->n21 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 060 Jones groves, North Bethanytown, DT5W 7BJ cs:attr_first_confirmed "2025-03-19" %% xsd:date cs:attr_last_confirmed "2024-10-27" %% xsd:date cs:attr_prev_address 503 McLean course, Gregoryton, M5F 0AX pl:created_at 2025-04-05T10:37:26.281538 ann17->n22 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n23 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n10 b5->n9 b6->n3 b7->n14 b8->n7 b9->n13 b10->n12 b11->n5 b11->n8 plan b12->n11 b13->n3 b14->n16 b15->n17 b16->n22 b17->n13 b18->n20