Provenance for Decision #217

Decided on: June 25, 2025, 7:59 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:184db251-17d0-4bcc-88a3-300ecc2646b0 n4 app:applications/122 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-21T18:29:59.656000+01:00 prov:endTime 2025-06-25T19:59:11.249000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/217 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 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 2025-06-25T19:59:11.249884 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/122 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 1 Graeme wells, Lake Sarahhaven, E2 8TW cs:attr_annual_income 18000 cs:attr_applicant_name Amanda Matthews cs:attr_dob "1995-12-15" %% xsd:date cs:attr_email_address pricefiona@example.com cs:attr_emp_length 11 cs:attr_emp_title Advertising art director cs:attr_home_ownership 4 cs:attr_phone_number (0114) 4960205 cs:attr_prev_address Flat 06, Hunt drive, West Bryan, L8H 5JQ pl:created_at 2025-06-21T18:29:59.656782 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:d355c6ef-3a44-4802-b622-d1e7c2e09190 n6->n4 used n9 app:records/778 n6->n9 used n10 app:creditreports/217 n6->n10 used n11 app:records/777 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-06-21T18:29:59.656000+01:00 prov:endTime 2025-06-25T19:59:11.249000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/217 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-06-25T19:59:11.249884 pl:reason cs:low_credit_score ann7->n8 n20 app:providers/15 n9->n20 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 "1073.67" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-25T19:59:11.249008 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:73813a99-1482-4e63-b8f2-ea5f49d607ce n10->n15 wasGeneratedBy b11 n10->b11 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 268 pl:created_at 2025-06-25T19:59:11.241940 ann9->n10 n11->n20 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 "1073.67" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-06-25T19:59:11.248292 ann10->n11 ann11 prov:label Amanda Matthews prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/122/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 1 Graeme wells, Lake Sarahhaven, E2 8TW cs:attr_applicant_name Amanda Matthews cs:attr_dob "1995-12-15" %% xsd:date cs:attr_prev_address Flat 06, Hunt drive, West Bryan, L8H 5JQ 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 2025-06-25T19:59:11.241000+01:00 prov:endTime 2025-06-25T19:59:11.241000+01:00 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/775 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Graeme wells, Lake Sarahhaven, E2 8TW cs:attr_from_date "2023-11-24" %% xsd:date pl:created_at 2025-06-02T00:00:00 ann16->n17 n18 app:providers/4 ann17 prov:label O2 prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/776 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 1 Graeme wells, Lake Sarahhaven, E2 8TW cs:attr_first_confirmed "2025-06-02" %% xsd:date cs:attr_last_confirmed "2025-02-14" %% xsd:date cs:attr_prev_address Flat 06, Hunt drive, West Bryan, L8H 5JQ pl:created_at 2025-06-25T19:59:11.246895 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n4 b6->n11 b7->n10 b8->n5 b8->n7 plan b9->n8 b10->n4 b11->n13 b12->n14 b13->n19 b14->n11 b15->n9 b16->n17