Provenance for Decision #329

Decided on: Aug. 6, 2022, 4:35 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:44b980bd-31ba-4fbf-bbfb-57b02d9bb155 n4 app:applications/200 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-08-05T05:56:45.218000+01:00 prov:endTime 2022-08-06T16:35:44.866000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/329 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 2022-08-06T16:35:44.866056 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/200 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 37 Stephen flat, Gordontown, SA1E 3XP cs:attr_annual_income 41000 cs:attr_applicant_name Jonathan Murphy cs:attr_dob "1997-10-28" %% xsd:date cs:attr_email_address marian17@outlook.com cs:attr_emp_length 0 cs:attr_emp_title Information officer cs:attr_home_ownership 4 cs:attr_phone_number 020 7946 0758 cs:attr_prev_address 1 Griffiths turnpike, Mohamedview, NN0Y 2ZG pl:created_at 2022-08-05T05:56:45.218184 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:0eb62cad-6b6d-430f-b238-b9225717859c n6->n4 used n7 app:creditreports/329 n6->n7 used n10 app:records/1211 n6->n10 used n11 app:records/1223 n6->n11 used n12 app:records/1224 n6->n12 used n13 app:records/1225 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2022-08-05T05:56:45.218000+01:00 prov:endTime 2022-08-06T16:35:44.866000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n16 app:providers/1 n7->n16 wasAttributedTo n17 uuid:3cfa1e13-fd52-4656-b1d7-73561a0eb479 n7->n17 wasGeneratedBy b13 n7->b13 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 608 pl:created_at 2022-08-06T16:35:44.841534 ann7->n7 n8 app:recommendations/329 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 ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-08-06T16:35:44.866056 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n22 app:providers/15 n11->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 "678.47" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Apr-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-08-06T16:35:44.855783 ann9->n11 n12->n22 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 "678.47" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Nov-2021 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-08-06T16:35:44.859256 ann10->n12 n13->n22 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "678.47" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Oct-2021 cs:attr_payment_amount "40.44" %% xsd:float pl:created_at 2022-08-06T16:35:44.861638 ann11->n13 ann12 prov:label Jonathan Murphy prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n14 n15 app:applications/200/id b12 n15->b12 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 37 Stephen flat, Gordontown, SA1E 3XP cs:attr_applicant_name Jonathan Murphy cs:attr_dob "1997-10-28" %% xsd:date cs:attr_prev_address 1 Griffiths turnpike, Mohamedview, NN0Y 2ZG ann13->n15 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann15 prov:startTime 2022-08-06T16:35:44.841000+01:00 prov:endTime 2022-08-06T16:35:44.841000+01:00 prov:type cs:SearchingCreditHistory ann15->n17 n18 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n18 n19 app:records/1209 n19->n18 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 37 Stephen flat, Gordontown, SA1E 3XP cs:attr_from_date "2020-08-23" %% xsd:date pl:created_at 2022-07-27T00:00:00 ann17->n19 n20 app:providers/5 ann18 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n20 n21 app:records/1210 n21->n20 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 37 Stephen flat, Gordontown, SA1E 3XP cs:attr_first_confirmed "2022-07-11" %% xsd:date cs:attr_last_confirmed "2021-11-06" %% xsd:date cs:attr_prev_address 1 Griffiths turnpike, Mohamedview, NN0Y 2ZG pl:created_at 2022-08-06T09:20:58.479615 ann19->n21 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n4 b6->n10 b7->n11 b8->n12 b9->n13 b10->n5 b10->n9 plan b11->n8 b12->n4 b13->n15 b14->n16 b15->n19 b16->n21 b17->n13 b18->n11 b19->n12