Provenance for Decision #249

Decided on: May 21, 2022, 8:12 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:cc3fbeb9-0790-470b-b57a-29defa26e7e6 n4 app:applications/175 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-05-19T20:53:08.398000+01:00 prov:endTime 2022-05-21T08:12:08.201000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/249 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b11 n3->b11 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 2022-05-21T08:12:08.201430 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/175 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 417 Black village, South Jasmineborough, N1 2AJ cs:attr_annual_income 90000 cs:attr_applicant_name Joanna Parry cs:attr_dob "1989-02-15" %% xsd:date cs:attr_email_address jsmith@outlook.com cs:attr_emp_length 2 cs:attr_emp_title Therapist, drama cs:attr_home_ownership 1 cs:attr_phone_number (0306)9990861 cs:attr_prev_address 474 Jones road, South Marc, WA0B 1HE pl:created_at 2022-05-19T20:53:08.398792 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:eefb1c48-644c-4dbd-80bd-c69df059fa36 n6->n4 used n9 app:records/967 n6->n9 used n10 app:records/968 n6->n10 used n11 app:records/965 n6->n11 used n12 app:records/966 n6->n12 used n13 app:creditreports/249 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2022-05-19T20:53:08.398000+01:00 prov:endTime 2022-05-21T08:12:08.201000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/249 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-05-21T08:12:08.201430 pl:reason cs:low_credit_score ann7->n8 n22 app:providers/14 n9->n22 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 "364.09" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Mar-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-05-21T08:12:08.196961 ann8->n9 n10->n22 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 "364.09" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Dec-2021 cs:attr_payment_amount "9.57" %% xsd:float pl:created_at 2022-05-21T08:12:08.198601 ann9->n10 n11->n22 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "364.09" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Dec-2021 cs:attr_payment_amount "28.62" %% xsd:float pl:created_at 2022-05-21T08:12:08.192942 ann10->n11 n12->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "364.09" %% xsd:float cs:attr_credit_limit "900.0" %% xsd:float cs:attr_month Oct-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-05-21T08:12:08.195033 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:7d019e04-b933-49b5-afe4-6037dc9025c4 n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 147 pl:created_at 2022-05-21T08:12:08.145337 ann12->n13 ann13 prov:label Joanna Parry prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/175/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 417 Black village, South Jasmineborough, N1 2AJ cs:attr_applicant_name Joanna Parry cs:attr_dob "1989-02-15" %% xsd:date cs:attr_prev_address 474 Jones road, South Marc, WA0B 1HE ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2022-05-21T08:12:08.145000+01:00 prov:endTime 2022-05-21T08:12:08.145000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/963 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 417 Black village, South Jasmineborough, N1 2AJ cs:attr_from_date "2019-07-16" %% xsd:date pl:created_at 2022-05-01T00:00:00 ann18->n19 n20 app:providers/6 ann19 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/964 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 417 Black village, South Jasmineborough, N1 2AJ cs:attr_first_confirmed "2022-05-16" %% xsd:date cs:attr_last_confirmed "2021-10-20" %% xsd:date cs:attr_prev_address 474 Jones road, South Marc, WA0B 1HE pl:created_at 2022-05-21T08:12:08.180942 ann20->n21 ann21 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n4 b5->n12 b6->n10 b7->n9 b8->n11 b9->n13 b10->n5 b10->n7 plan b11->n8 b12->n4 b13->n15 b14->n16 b15->n11 b16->n9 b17->n21 b18->n10 b19->n19 b20->n12