Provenance for Decision #159

Decided on: May 13, 2025, 5:01 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:3ea236f0-04cf-4a83-888c-e754094ed015 n4 app:applications/100 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-05-13T00:04:16.752000+01:00 prov:endTime 2025-05-13T17:01:05.140000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/159 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b8 n3->b8 wasDerivedFrom ann3 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-05-13T17:01:05.140667 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/100 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 60C, Gardner heights, Kennethchester, ME6 5WT cs:attr_annual_income 85000 cs:attr_applicant_name Julia Hawkins cs:attr_dob "1963-09-22" %% xsd:date cs:attr_email_address hkaur@example.net cs:attr_emp_length 23 cs:attr_emp_title Engineering geologist cs:attr_home_ownership 2 cs:attr_phone_number (0151) 4960895 cs:attr_prev_address 6 Robin shores, Lake Frederickland, N6W 5XX pl:created_at 2025-05-13T00:04:16.752777 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:732d82a7-1bea-4a04-a318-68034a9b9f23 n6->n4 used n8 app:records/593 n6->n8 used n10 app:creditreports/159 n6->n10 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-05-13T00:04:16.752000+01:00 prov:endTime 2025-05-13T17:01:05.140000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n19 app:providers/14 n8->n19 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 "26.45" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "0.67" %% xsd:float pl:created_at 2025-05-13T17:01:05.139709 ann7->n8 n9 app:recommendations/159 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy 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 2025-05-13T17:01:05.140667 pl:reason cs:low_credit_score ann8->n9 n13 app:providers/1 n10->n13 wasAttributedTo n14 uuid:d7856e10-c025-4110-9248-c9acadefebfc n10->n14 wasGeneratedBy b10 n10->b10 wasDerivedFrom b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 223 pl:created_at 2025-05-13T17:01:05.133638 ann9->n10 ann10 prov:label Julia Hawkins prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/100/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 60C, Gardner heights, Kennethchester, ME6 5WT cs:attr_applicant_name Julia Hawkins cs:attr_dob "1963-09-22" %% xsd:date cs:attr_prev_address 6 Robin shores, Lake Frederickland, N6W 5XX ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b11 n14->b11 wasAssociatedWith ann13 prov:startTime 2025-05-13T17:01:05.133000+01:00 prov:endTime 2025-05-13T17:01:05.133000+01:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/591 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 60C, Gardner heights, Kennethchester, ME6 5WT cs:attr_from_date "2024-01-30" %% xsd:date pl:created_at 2025-04-23T00:00:00 ann15->n16 n17 app:providers/13 ann16 prov:label VOXI prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/592 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 60C, Gardner heights, Kennethchester, ME6 5WT cs:attr_first_confirmed "2025-05-09" %% xsd:date cs:attr_last_confirmed "2025-04-03" %% xsd:date cs:attr_prev_address 6 Robin shores, Lake Frederickland, N6W 5XX pl:created_at 2025-05-13T17:01:05.138292 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n7 plan b5->n8 b6->n4 b7->n10 b8->n9 b9->n4 b10->n12 b11->n13 b12->n18 b13->n8 b14->n16