Provenance for Decision #236

Decided on: July 3, 2025, 11:29 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:03f9d3b8-b3d8-42a8-8e93-aa8263a12c91 n3 app:applications/137 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-07-02T18:33:07.395000+01:00 prov:endTime 2025-07-03T11:29:42.602000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/137 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 68t, Amelia plains, East Trevormouth, BB63 1LN cs:attr_annual_income 19000 cs:attr_applicant_name Debra Clark cs:attr_dob "1978-03-20" %% xsd:date cs:attr_email_address luke42@example.com cs:attr_emp_length 21 cs:attr_emp_title Scientist, water quality cs:attr_home_ownership 4 cs:attr_phone_number +44(0)115 4960059 cs:attr_prev_address 0 Giles mews, Jacquelinestad, L91 7TE pl:created_at 2025-07-02T18:33:07.395730 ann3->n3 n4 app:decisions/236 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b11 n4->b11 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 2025-07-03T11:29:42.602281 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:df3029e9-341d-49b3-9a18-1e5fd05e3ef4 n6->n3 used n7 app:records/830 n6->n7 used n9 app:records/829 n6->n9 used n11 app:creditreports/236 n6->n11 used n12 app:records/855 n6->n12 used n13 app:records/831 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2025-07-02T18:33:07.395000+01:00 prov:endTime 2025-07-03T11:29:42.602000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n8 app:models/creditcard_assessment n10 app:recommendations/236 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-03T11:29:42.602281 pl:reason cs:low_credit_score ann7->n10 n16 app:providers/1 n11->n16 wasAttributedTo n17 uuid:d36df06b-0663-4757-b37b-02c6aafe604b n11->n17 wasGeneratedBy b14 n11->b14 wasDerivedFrom b15 n11->b15 wasDerivedFrom b16 n11->b16 wasDerivedFrom b17 n11->b17 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 432 pl:created_at 2025-07-03T11:29:42.596969 ann8->n11 n22 app:providers/15 n12->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "214.11" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Mar-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-07-03T11:29:42.601187 ann9->n12 ann10 prov:label Debra Clark prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n14 n15 app:applications/137/id b12 n15->b12 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 68t, Amelia plains, East Trevormouth, BB63 1LN cs:attr_applicant_name Debra Clark cs:attr_dob "1978-03-20" %% xsd:date cs:attr_prev_address 0 Giles mews, Jacquelinestad, L91 7TE ann11->n15 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n16 n17->n15 used b13 n17->b13 wasAssociatedWith ann13 prov:startTime 2025-07-03T11:29:42.596000+01:00 prov:endTime 2025-07-03T11:29:42.596000+01:00 prov:type cs:SearchingCreditHistory ann13->n17 n18 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n18 n19 app:records/827 n19->n18 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 68t, Amelia plains, East Trevormouth, BB63 1LN cs:attr_from_date "2024-08-29" %% xsd:date pl:created_at 2025-06-05T00:00:00 ann15->n19 n20 app:providers/10 ann16 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n20 n21 app:records/828 n21->n20 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 68t, Amelia plains, East Trevormouth, BB63 1LN cs:attr_first_confirmed "2025-06-14" %% xsd:date cs:attr_last_confirmed "2025-01-29" %% xsd:date cs:attr_prev_address 0 Giles mews, Jacquelinestad, L91 7TE pl:created_at 2025-07-02T18:55:50.870893 ann17->n21 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n22 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n11 b5->n13 b6->n7 b7->n12 b8->n3 b9->n9 b10->n5 b10->n8 plan b11->n10 b12->n3 b13->n16 b14->n15 b15->n21 b16->n12 b17->n19