Provenance for Decision #237

Decided on: July 3, 2025, 6:30 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:6d446160-4e28-4bbe-8a86-8872d8015ac6 n3 app:applications/135 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-06-30T10:46:32.360000+01:00 prov:endTime 2025-07-03T18:30:34.362000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n15 app:applicants/135 n3->n15 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 5 Mark parkways, Joelfurt, WD3X 2SB cs:attr_annual_income 88000 cs:attr_applicant_name Glenn Black cs:attr_dob "1985-02-05" %% xsd:date cs:attr_email_address steven99@example.com cs:attr_emp_length 12 cs:attr_emp_title Petroleum engineer cs:attr_home_ownership 3 cs:attr_phone_number +44(0)116 496 0382 cs:attr_prev_address 1 Victor meadow, South Craigville, B70 6DG pl:created_at 2025-06-30T10:46:32.360708 ann3->n3 n4 app:decisions/237 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b12 n4->b12 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 2025-07-03T18:30:34.362221 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:2d8b7615-1eae-4e21-a5a2-00dc38c4796c n6->n3 used n7 app:records/840 n6->n7 used n8 app:records/841 n6->n8 used n11 app:records/839 n6->n11 used n12 app:creditreports/237 n6->n12 used n13 app:records/856 n6->n13 used n14 app:records/842 n6->n14 used b11 n6->b11 wasAssociatedWith ann6 prov:startTime 2025-06-30T10:46:32.360000+01:00 prov:endTime 2025-07-03T18:30:34.362000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n9 app:models/creditcard_assessment n10 app:recommendations/237 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 b10 n10->b10 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-07-03T18:30:34.362221 pl:reason cs:low_credit_score ann7->n10 n17 app:providers/1 n12->n17 wasAttributedTo n18 uuid:3df50848-80b8-4e53-bcdd-09a4cf8f22d7 n12->n18 wasGeneratedBy b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 509 pl:created_at 2025-07-03T18:30:34.356612 ann8->n12 n23 app:providers/15 n13->n23 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 "85.23" %% xsd:float cs:attr_credit_limit "1400.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "1.11" %% xsd:float pl:created_at 2025-07-03T18:30:34.360843 ann9->n13 ann10 prov:label Glenn Black prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n15 n16 app:applications/135/id b13 n16->b13 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 5 Mark parkways, Joelfurt, WD3X 2SB cs:attr_applicant_name Glenn Black cs:attr_dob "1985-02-05" %% xsd:date cs:attr_prev_address 1 Victor meadow, South Craigville, B70 6DG ann11->n16 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n17 n18->n16 used b14 n18->b14 wasAssociatedWith ann13 prov:startTime 2025-07-03T18:30:34.356000+01:00 prov:endTime 2025-07-03T18:30:34.356000+01:00 prov:type cs:SearchingCreditHistory ann13->n18 n19 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n19 n20 app:records/837 n20->n19 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Mark parkways, Joelfurt, WD3X 2SB cs:attr_from_date "2024-09-07" %% xsd:date pl:created_at 2025-06-11T00:00:00 ann15->n20 n21 app:providers/8 ann16 prov:label Virgin Media prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n21 n22 app:records/838 n22->n21 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Mark parkways, Joelfurt, WD3X 2SB cs:attr_first_confirmed "2025-06-12" %% xsd:date cs:attr_last_confirmed "2024-09-18" %% xsd:date cs:attr_prev_address 1 Victor meadow, South Craigville, B70 6DG pl:created_at 2025-07-02T18:56:35.833888 ann17->n22 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n23 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n11 b6->n14 b7->n7 b8->n3 b9->n12 b10->n13 b11->n5 b11->n9 plan b12->n10 b13->n3 b14->n17 b15->n16 b16->n22 b17->n13 b18->n20