Provenance for Decision #144

Decided on: Nov. 17, 2021, 11:35 a.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:51f7c2af-f103-41de-8eac-a633ef5f93e4 n3 app:applications/119 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2021-11-16T18:48:58.416000+00:00 prov:endTime 2021-11-17T11:35:54.963000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/119 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 57 Peter glens, Youngside, DY0 9BY cs:attr_annual_income 73000 cs:attr_applicant_name Maurice Austin cs:attr_dob "2000-06-16" %% xsd:date cs:attr_email_address qsmith@hotmail.com cs:attr_emp_length 0 cs:attr_emp_title Education officer, museum cs:attr_home_ownership 4 cs:attr_phone_number +44909 879 0612 cs:attr_prev_address 22 Stone stravenue, North Ashley, L04 5FW pl:created_at 2021-11-16T18:48:58.416108 ann3->n3 n4 app:decisions/144 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2021-11-17T11:35:54.963771 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:2a9947ab-1a3e-4146-bde0-3d09a15405f6 n6->n3 used n7 app:records/598 n6->n7 used n8 app:records/599 n6->n8 used n10 app:creditreports/144 n6->n10 used n11 app:records/600 n6->n11 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2021-11-16T18:48:58.416000+00:00 prov:endTime 2021-11-17T11:35:54.963000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/14 n7->n21 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1593.59" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Aug-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-11-17T11:35:54.957532 ann7->n7 n8->n21 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1593.59" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jun-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2021-11-17T11:35:54.959445 ann8->n8 n9 app:models/creditcard_assessment n15 app:providers/1 n10->n15 wasAttributedTo n16 uuid:9aa03e4c-49e8-4f10-a863-3f24b1533bac n10->n16 wasGeneratedBy b12 n10->b12 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom b17 n10->b17 wasDerivedFrom b18 n10->b18 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 535 pl:created_at 2021-11-17T11:35:54.941888 ann9->n10 n11->n21 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1593.59" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jan-2021 cs:attr_payment_amount "128.94" %% xsd:float pl:created_at 2021-11-17T11:35:54.961060 ann10->n11 n12 app:recommendations/144 n12->n5 wasAttributedTo n12->n6 wasGeneratedBy b4 n12->b4 wasDerivedFrom b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom ann11 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2021-11-17T11:35:54.963771 pl:reason cs:low_credit_score ann11->n12 ann12 prov:label Maurice Austin prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/119/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 57 Peter glens, Youngside, DY0 9BY cs:attr_applicant_name Maurice Austin cs:attr_dob "2000-06-16" %% xsd:date cs:attr_prev_address 22 Stone stravenue, North Ashley, L04 5FW ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2021-11-17T11:35:54.941000+00:00 prov:endTime 2021-11-17T11:35:54.941000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/596 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 57 Peter glens, Youngside, DY0 9BY cs:attr_from_date "2019-06-19" %% xsd:date pl:created_at 2021-10-27T00:00:00 ann17->n18 n19 app:providers/11 ann18 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/597 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 57 Peter glens, Youngside, DY0 9BY cs:attr_first_confirmed "2021-10-31" %% xsd:date cs:attr_last_confirmed "2021-10-13" %% xsd:date cs:attr_prev_address 22 Stone stravenue, North Ashley, L04 5FW pl:created_at 2021-11-17T11:35:54.953884 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n11 b6->n3 b7->n10 b8->n8 b9->n5 b9->n9 plan b10->n12 b11->n3 b12->n14 b13->n15 b14->n20 b15->n18 b16->n8 b17->n11 b18->n7