Provenance for Decision #312

Decided on: July 30, 2022, 5:53 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:9e150a55-e442-4135-b88f-82a2e004ad2a n3 app:applications/196 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-07-28T09:32:43.647000+01:00 prov:endTime 2022-07-30T17:53:00.783000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/196 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 2, Bartlett hill, New Lesley, AB9V 5EA cs:attr_annual_income 102000 cs:attr_applicant_name Gary Hewitt cs:attr_dob "1954-02-19" %% xsd:date cs:attr_email_address simonowen@bird-ward.com cs:attr_emp_length 49 cs:attr_emp_title Forest/woodland manager cs:attr_home_ownership 2 cs:attr_phone_number (01632) 960859 cs:attr_prev_address Studio 32y, Andrea trail, West Lee, B4 9DZ pl:created_at 2022-07-28T09:32:43.647451 ann3->n3 n4 app:decisions/312 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2022-07-30T17:53:00.783717 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:d95ca6e3-72ed-4767-9a39-382a1837fb34 n6->n3 used n8 app:records/1167 n6->n8 used n9 app:creditreports/312 n6->n9 used n11 app:records/1168 n6->n11 used n12 app:records/1169 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2022-07-28T09:32:43.647000+01:00 prov:endTime 2022-07-30T17:53:00.783000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n21 app:providers/14 n8->n21 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 "734.45" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month May-2022 cs:attr_payment_amount "3.61" %% xsd:float pl:created_at 2022-07-30T17:53:00.776783 ann7->n8 n15 app:providers/1 n9->n15 wasAttributedTo n16 uuid:53c5f5c7-9ccc-4964-a525-8581219e4618 n9->n16 wasGeneratedBy b12 n9->b12 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 251 pl:created_at 2022-07-30T17:53:00.743035 ann8->n9 n10 app:recommendations/312 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 ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-07-30T17:53:00.783717 pl:reason cs:low_credit_score ann9->n10 n11->n21 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 "734.45" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month Dec-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-07-30T17:53:00.779004 ann10->n11 n12->n21 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 "734.45" %% xsd:float cs:attr_credit_limit "2800.0" %% xsd:float cs:attr_month May-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-07-30T17:53:00.780760 ann11->n12 ann12 prov:label Gary Hewitt prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/196/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 2, Bartlett hill, New Lesley, AB9V 5EA cs:attr_applicant_name Gary Hewitt cs:attr_dob "1954-02-19" %% xsd:date cs:attr_prev_address Studio 32y, Andrea trail, West Lee, B4 9DZ ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2022-07-30T17:53:00.743000+01:00 prov:endTime 2022-07-30T17:53:00.743000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/1165 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Bartlett hill, New Lesley, AB9V 5EA cs:attr_from_date "2022-05-17" %% xsd:date pl:created_at 2022-07-17T00:00:00 ann17->n18 n19 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1166 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 2, Bartlett hill, New Lesley, AB9V 5EA cs:attr_first_confirmed "2022-07-14" %% xsd:date cs:attr_last_confirmed "2022-04-11" %% xsd:date cs:attr_prev_address Studio 32y, Andrea trail, West Lee, B4 9DZ pl:created_at 2022-07-30T17:53:00.764040 ann19->n20 ann20 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n12 b6->n8 b7->n11 b8->n3 b9->n5 b9->n7 plan b10->n10 b11->n3 b12->n14 b13->n15 b14->n11 b15->n12 b16->n18 b17->n8 b18->n20