Provenance for Decision #33

Decided on: Dec. 12, 2024, 6:45 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:dc375c1f-4dd2-4e7c-90bb-d8f6eee9aa41 n4 app:applications/22 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2024-12-07T03:05:28.632000+00:00 prov:endTime 2024-12-12T18:45:54.495000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/33 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b9 n3->b9 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 2024-12-12T18:45:54.495895 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/22 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 57T, O'Sullivan trafficway, Williamsside, WF6 8HL cs:attr_annual_income 38000 cs:attr_applicant_name Anne Jones cs:attr_dob "1972-01-31" %% xsd:date cs:attr_email_address anthony10@example.org cs:attr_emp_length 23 cs:attr_emp_title Adult nurse cs:attr_home_ownership 3 cs:attr_phone_number +44(0)20 74960934 cs:attr_prev_address 479 Morgan fort, Paigefort, GU8R 3NB pl:created_at 2024-12-07T03:05:28.632409 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:58b9c2c0-e02c-44f1-9421-2d7792f6a547 n6->n4 used n7 app:creditreports/33 n6->n7 used n10 app:records/127 n6->n10 used n11 app:records/128 n6->n11 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2024-12-07T03:05:28.632000+00:00 prov:endTime 2024-12-12T18:45:54.495000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n14 app:providers/1 n7->n14 wasAttributedTo n15 uuid:c883706d-5a24-4a6d-a814-83a886a7739f n7->n15 wasGeneratedBy b12 n7->b12 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 405 pl:created_at 2024-12-12T18:45:54.488152 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/33 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-12-12T18:45:54.495895 pl:reason cs:low_credit_score ann8->n9 n20 app:providers/15 n10->n20 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 "158.38" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2024-12-12T18:45:54.494336 ann9->n10 n11->n20 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 "158.38" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month May-2024 cs:attr_payment_amount "5.43" %% xsd:float pl:created_at 2024-12-12T18:45:54.495032 ann10->n11 ann11 prov:label Anne Jones prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/22/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 57T, O'Sullivan trafficway, Williamsside, WF6 8HL cs:attr_applicant_name Anne Jones cs:attr_dob "1972-01-31" %% xsd:date cs:attr_prev_address 479 Morgan fort, Paigefort, GU8R 3NB ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b11 n15->b11 wasAssociatedWith ann14 prov:startTime 2024-12-12T18:45:54.488000+00:00 prov:endTime 2024-12-12T18:45:54.488000+00:00 prov:type cs:SearchingCreditHistory ann14->n15 n16 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n16 n17 app:records/125 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 57T, O'Sullivan trafficway, Williamsside, WF6 8HL cs:attr_from_date "2023-11-17" %% xsd:date pl:created_at 2024-11-18T00:00:00 ann16->n17 n18 app:providers/3 ann17 prov:label EE prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/126 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 57T, O'Sullivan trafficway, Williamsside, WF6 8HL cs:attr_first_confirmed "2024-12-07" %% xsd:date cs:attr_last_confirmed "2024-04-03" %% xsd:date cs:attr_prev_address 479 Morgan fort, Paigefort, GU8R 3NB pl:created_at 2024-12-12T18:45:54.492954 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n7 b6->n4 b7->n11 b8->n10 b9->n9 b10->n4 b11->n14 b12->n13 b13->n19 b14->n11 b15->n10 b16->n17