Provenance for Decision #1445

Decided on: April 2, 2024, 8:31 p.m.

Back to decision PROV-N PROV-JSON PDF SVG

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:1ece6871-b0f0-4c6c-9d44-89530a3abdd7 n3 app:applications/290 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2023-01-31T23:25:33.964000+00:00 prov:endTime 2024-04-02T20:31:50.812000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n27 app:applicants/290 n3->n27 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Sarah shore, South Laura, M1G 9XD cs:attr_annual_income 110000 cs:attr_applicant_name Stephanie Richardson-Moore cs:attr_dob "2004-04-25" %% xsd:date cs:attr_email_address alexandra02@example.net cs:attr_emp_length 0 cs:attr_emp_title Administrator, charities/voluntary organisations cs:attr_home_ownership 4 cs:attr_phone_number 0289018440 cs:attr_prev_address 685 Douglas island, Alexandraburgh, B1 2EY pl:created_at 2023-01-31T23:25:33.964390 ann3->n3 n4 app:decisions/1445 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b24 n4->b24 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 2024-04-02T20:31:50.812457 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:50a1ab38-5894-4342-badb-d8a7bffbe36c n6->n3 used n7 app:records/4500 n6->n7 used n8 app:records/2051 n6->n8 used n9 app:records/3130 n6->n9 used n10 app:records/2052 n6->n10 used n11 app:creditreports/1445 n6->n11 used n12 app:records/2338 n6->n12 used n13 app:records/2701 n6->n13 used n14 app:records/2702 n6->n14 used n15 app:records/4502 n6->n15 used n16 app:records/2335 n6->n16 used n17 app:records/4501 n6->n17 used n18 app:records/3128 n6->n18 used n19 app:records/2336 n6->n19 used n20 app:records/3129 n6->n20 used n21 app:records/2700 n6->n21 used n22 app:records/2337 n6->n22 used n23 app:records/4503 n6->n23 used n26 app:records/2050 n6->n26 used b23 n6->b23 wasAssociatedWith ann6 prov:startTime 2023-01-31T23:25:33.964000+00:00 prov:endTime 2024-04-02T20:31:50.812000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n31 app:providers/15 n7->n31 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 "1210.6" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jan-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-04-02T20:31:50.804893 ann7->n7 n29 app:providers/1 n11->n29 wasAttributedTo n30 uuid:4fca83ba-f5e3-451c-b1f0-43b4a2365ade n11->n30 wasGeneratedBy b26 n11->b26 wasDerivedFrom b28 n11->b28 wasDerivedFrom b29 n11->b29 wasDerivedFrom b30 n11->b30 wasDerivedFrom b31 n11->b31 wasDerivedFrom b32 n11->b32 wasDerivedFrom b33 n11->b33 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 202 pl:created_at 2024-04-02T20:31:50.795635 ann8->n11 n15->n31 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1210.6" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Jun-2023 cs:attr_payment_amount "24.23" %% xsd:float pl:created_at 2024-04-02T20:31:50.808424 ann9->n15 n17->n31 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1210.6" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Aug-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-04-02T20:31:50.806837 ann10->n17 n23->n31 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1210.6" %% xsd:float cs:attr_credit_limit "2300.0" %% xsd:float cs:attr_month Dec-2023 cs:attr_payment_amount "81.9" %% xsd:float pl:created_at 2024-04-02T20:31:50.809990 ann11->n23 n24 app:recommendations/1445 n24->n5 wasAttributedTo n24->n6 wasGeneratedBy b4 n24->b4 wasDerivedFrom b5 n24->b5 wasDerivedFrom b6 n24->b6 wasDerivedFrom b7 n24->b7 wasDerivedFrom b8 n24->b8 wasDerivedFrom b9 n24->b9 wasDerivedFrom b10 n24->b10 wasDerivedFrom b11 n24->b11 wasDerivedFrom b12 n24->b12 wasDerivedFrom b13 n24->b13 wasDerivedFrom b14 n24->b14 wasDerivedFrom b15 n24->b15 wasDerivedFrom b16 n24->b16 wasDerivedFrom b17 n24->b17 wasDerivedFrom b18 n24->b18 wasDerivedFrom b19 n24->b19 wasDerivedFrom b20 n24->b20 wasDerivedFrom b21 n24->b21 wasDerivedFrom b22 n24->b22 wasDerivedFrom ann12 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-04-02T20:31:50.812457 pl:reason cs:low_credit_score ann12->n24 n25 app:models/creditcard_assessment ann13 prov:label Stephanie Richardson-Moore prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n27 n28 app:applications/290/id b25 n28->b25 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Sarah shore, South Laura, M1G 9XD cs:attr_applicant_name Stephanie Richardson-Moore cs:attr_dob "2004-04-25" %% xsd:date cs:attr_prev_address 685 Douglas island, Alexandraburgh, B1 2EY ann14->n28 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n29 n30->n28 used b27 n30->b27 wasAssociatedWith ann16 prov:startTime 2024-04-02T20:31:50.795000+01:00 prov:endTime 2024-04-02T20:31:50.795000+01:00 prov:type cs:SearchingCreditHistory ann16->n30 ann17 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n31 n32 app:providers/12 ann18 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n32 n33 app:records/2049 n33->n32 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Sarah shore, South Laura, M1G 9XD cs:attr_first_confirmed "2023-01-13" %% xsd:date cs:attr_last_confirmed "2022-11-20" %% xsd:date cs:attr_prev_address 685 Douglas island, Alexandraburgh, B1 2EY pl:created_at 2023-02-05T15:59:51.475166 ann19->n33 n34 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n34 n35 app:records/2048 n35->n34 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Sarah shore, South Laura, M1G 9XD cs:attr_from_date "2022-03-15" %% xsd:date pl:created_at 2023-01-18T00:00:00 ann21->n35 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n19 b5->n26 b6->n12 b7->n15 b8->n23 b9->n16 b10->n18 b11->n8 b12->n20 b13->n22 b14->n11 b15->n17 b16->n14 b17->n9 b18->n10 b19->n21 b20->n13 b21->n7 b22->n3 b23->n5 b23->n25 plan b24->n24 b25->n3 b26->n28 b27->n29 b28->n23 b29->n17 b30->n35 b31->n33 b32->n7 b33->n15