Provenance for Decision #384

Decided on: Sept. 13, 2022, 4:54 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:7471b6d2-5868-4d3d-846c-e2085691236f n4 app:applications/220 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-09-10T04:04:59.476000+01:00 prov:endTime 2022-09-13T16:54:47.298000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/384 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b13 n3->b13 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 2022-09-13T16:54:47.298455 pl:reason cs:low_credit_score ann3->n3 n16 app:applicants/220 n4->n16 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 704 Owen street, South Charles, N50 2BE cs:attr_annual_income 45000 cs:attr_applicant_name Keith Henry cs:attr_dob "1970-07-23" %% xsd:date cs:attr_email_address christopherjames@allen.com cs:attr_emp_length 0 cs:attr_emp_title Education officer, environmental cs:attr_home_ownership 3 cs:attr_phone_number +44909 8790568 cs:attr_prev_address 0 Sylvia streets, South Garethshire, PA34 7DF pl:created_at 2022-09-10T04:04:59.476061 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:cdb5f554-4e65-473a-9215-92ae3258ed0c n6->n4 used n8 app:records/1370 n6->n8 used n9 app:creditreports/384 n6->n9 used n10 app:records/1371 n6->n10 used n11 app:records/1372 n6->n11 used n12 app:records/1399 n6->n12 used n14 app:records/1400 n6->n14 used n15 app:records/1369 n6->n15 used b12 n6->b12 wasAssociatedWith ann6 prov:startTime 2022-09-10T04:04:59.476000+01:00 prov:endTime 2022-09-13T16:54:47.298000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n18 app:providers/1 n9->n18 wasAttributedTo n19 uuid:7e119c3c-c1b3-417d-986d-fcc2ae0401e1 n9->n19 wasGeneratedBy b15 n9->b15 wasDerivedFrom b17 n9->b17 wasDerivedFrom b18 n9->b18 wasDerivedFrom b19 n9->b19 wasDerivedFrom b20 n9->b20 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 562 pl:created_at 2022-09-13T16:54:47.282351 ann7->n9 n24 app:providers/14 n12->n24 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 "1281.6" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Jun-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-09-13T16:54:47.293166 ann8->n12 n13 app:recommendations/384 n13->n5 wasAttributedTo n13->n6 wasGeneratedBy b4 n13->b4 wasDerivedFrom b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom b10 n13->b10 wasDerivedFrom b11 n13->b11 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-09-13T16:54:47.298455 pl:reason cs:low_credit_score ann9->n13 n14->n24 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 "1281.6" %% xsd:float cs:attr_credit_limit "1700.0" %% xsd:float cs:attr_month Aug-2022 cs:attr_payment_amount "75.66" %% xsd:float pl:created_at 2022-09-13T16:54:47.295680 ann10->n14 ann11 prov:label Keith Henry prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n16 n17 app:applications/220/id b14 n17->b14 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 704 Owen street, South Charles, N50 2BE cs:attr_applicant_name Keith Henry cs:attr_dob "1970-07-23" %% xsd:date cs:attr_prev_address 0 Sylvia streets, South Garethshire, PA34 7DF ann12->n17 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n18 n19->n17 used b16 n19->b16 wasAssociatedWith ann14 prov:startTime 2022-09-13T16:54:47.282000+01:00 prov:endTime 2022-09-13T16:54:47.282000+01:00 prov:type cs:SearchingCreditHistory ann14->n19 n20 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n20 n21 app:records/1367 n21->n20 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 704 Owen street, South Charles, N50 2BE cs:attr_from_date "2022-06-23" %% xsd:date pl:created_at 2022-08-24T00:00:00 ann16->n21 n22 app:providers/7 ann17 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n22 n23 app:records/1368 n23->n22 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 704 Owen street, South Charles, N50 2BE cs:attr_first_confirmed "2022-08-25" %% xsd:date cs:attr_last_confirmed "2022-05-30" %% xsd:date cs:attr_prev_address 0 Sylvia streets, South Garethshire, PA34 7DF pl:created_at 2022-09-10T18:10:41.504407 ann18->n23 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n24 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n15 b5->n12 b6->n8 b7->n10 b8->n11 b9->n9 b10->n4 b11->n14 b12->n5 b12->n7 plan b13->n13 b14->n4 b15->n17 b16->n18 b17->n14 b18->n23 b19->n21 b20->n12