Provenance for Decision #39

Decided on: Dec. 18, 2024, 4:41 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:d63f8feb-1654-401d-ba43-f4cf2e463b9b n4 app:applications/25 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2024-12-18T05:09:47.031000+00:00 prov:endTime 2024-12-18T16:41:33.927000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/39 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 2024-12-18T16:41:33.927690 pl:reason cs:low_credit_score ann3->n3 n12 app:applicants/25 n4->n12 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 05, Norton forges, Donnellybury, CR38 8RJ cs:attr_annual_income 79000 cs:attr_applicant_name Carly Bailey cs:attr_dob "1962-10-07" %% xsd:date cs:attr_email_address uwatkins@example.org cs:attr_emp_length 33 cs:attr_emp_title Psychologist, educational cs:attr_home_ownership 2 cs:attr_phone_number 020 74960471 cs:attr_prev_address Studio 18u, Ward lake, West Hannahborough, WA0 2ZL pl:created_at 2024-12-18T05:09:47.031632 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a82a3503-b565-4dc8-abf4-5dcc708e8551 n6->n4 used n7 app:records/147 n6->n7 used n8 app:records/148 n6->n8 used n10 app:creditreports/39 n6->n10 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2024-12-18T05:09:47.031000+00:00 prov:endTime 2024-12-18T16:41:33.927000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/15 n7->n20 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 "688.94" %% xsd:float cs:attr_credit_limit "2000.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "18.67" %% xsd:float pl:created_at 2024-12-18T16:41:33.925891 ann7->n7 n8->n20 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "688.94" %% xsd:float cs:attr_credit_limit "2000.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "32.86" %% xsd:float pl:created_at 2024-12-18T16:41:33.926727 ann8->n8 n9 app:models/creditcard_assessment n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:3de86318-d143-438b-94c6-e979b02974cc n10->n15 wasGeneratedBy b12 n10->b12 wasDerivedFrom b13 n10->b13 wasDerivedFrom b14 n10->b14 wasDerivedFrom b15 n10->b15 wasDerivedFrom b16 n10->b16 wasDerivedFrom ann9 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 552 pl:created_at 2024-12-18T16:41:33.918500 ann9->n10 n11 app:recommendations/39 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2024-12-18T16:41:33.927690 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Carly Bailey prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/25/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 05, Norton forges, Donnellybury, CR38 8RJ cs:attr_applicant_name Carly Bailey cs:attr_dob "1962-10-07" %% xsd:date cs:attr_prev_address Studio 18u, Ward lake, West Hannahborough, WA0 2ZL 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 2024-12-18T16:41:33.918000+00:00 prov:endTime 2024-12-18T16:41:33.918000+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/145 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 05, Norton forges, Donnellybury, CR38 8RJ cs:attr_from_date "2023-05-25" %% xsd:date pl:created_at 2024-12-09T00:00:00 ann16->n17 n18 app:providers/6 ann17 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/146 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 05, Norton forges, Donnellybury, CR38 8RJ cs:attr_first_confirmed "2024-11-20" %% xsd:date cs:attr_last_confirmed "2024-06-18" %% xsd:date cs:attr_prev_address Studio 18u, Ward lake, West Hannahborough, WA0 2ZL pl:created_at 2024-12-18T16:41:33.924247 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->n10 b5->n4 b6->n7 b7->n8 b8->n5 b8->n9 plan b9->n11 b10->n4 b11->n14 b12->n13 b13->n19 b14->n7 b15->n8 b16->n17