Provenance for Decision #45

Decided on: Jan. 6, 2025, 4:49 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:ba80a892-b054-455f-9abb-a042171ab8aa n4 app:applications/29 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-01-03T06:55:34.573000+00:00 prov:endTime 2025-01-06T16:49:35.191000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/45 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 2025-01-06T16:49:35.191085 pl:reason cs:low_credit_score ann3->n3 n14 app:applicants/29 n4->n14 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Graeme circles, South Frederickstad, WC0H 7DP cs:attr_annual_income 101000 cs:attr_applicant_name Janet Fraser cs:attr_dob "1952-07-14" %% xsd:date cs:attr_email_address mtaylor@example.net cs:attr_emp_length 49 cs:attr_emp_title Accountant, chartered public finance cs:attr_home_ownership 1 cs:attr_phone_number +44114 496 0860 cs:attr_prev_address 00 Evans motorway, Parsonsmouth, N6J 3LR pl:created_at 2025-01-03T06:55:34.573565 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:a18b6ce9-ab86-42b7-95ea-890a317ee739 n6->n4 used n7 app:creditreports/45 n6->n7 used n10 app:records/174 n6->n10 used n11 app:records/175 n6->n11 used n12 app:records/172 n6->n12 used n13 app:records/173 n6->n13 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-01-03T06:55:34.573000+00:00 prov:endTime 2025-01-06T16:49:35.191000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n16 app:providers/1 n7->n16 wasAttributedTo n17 uuid:aa5fa8ed-92a6-4cc2-a239-3147baac40a5 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 b20 n7->b20 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 711 pl:created_at 2025-01-06T16:49:35.181706 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/45 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom b9 n9->b9 wasDerivedFrom b10 n9->b10 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-06T16:49:35.191085 pl:reason cs:low_credit_score ann8->n9 n22 app:providers/15 n10->n22 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "165.15" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Apr-2024 cs:attr_payment_amount "2.42" %% xsd:float pl:created_at 2025-01-06T16:49:35.189627 ann9->n10 n11->n22 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 "165.15" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.29" %% xsd:float pl:created_at 2025-01-06T16:49:35.190175 ann10->n11 n12->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 "165.15" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "5.24" %% xsd:float pl:created_at 2025-01-06T16:49:35.188322 ann11->n12 n13->n22 wasAttributedTo ann12 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "165.15" %% xsd:float cs:attr_credit_limit "2500.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-06T16:49:35.189024 ann12->n13 ann13 prov:label Janet Fraser prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/29/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Graeme circles, South Frederickstad, WC0H 7DP cs:attr_applicant_name Janet Fraser cs:attr_dob "1952-07-14" %% xsd:date cs:attr_prev_address 00 Evans motorway, Parsonsmouth, N6J 3LR ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2025-01-06T16:49:35.181000+00:00 prov:endTime 2025-01-06T16:49:35.181000+00:00 prov:type cs:SearchingCreditHistory ann16->n17 n18 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n18 n19 app:records/170 n19->n18 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Graeme circles, South Frederickstad, WC0H 7DP cs:attr_from_date "2022-04-13" %% xsd:date pl:created_at 2024-12-14T00:00:00 ann18->n19 n20 app:providers/7 ann19 prov:label Tesco Mobile prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n20 n21 app:records/171 n21->n20 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Graeme circles, South Frederickstad, WC0H 7DP cs:attr_first_confirmed "2025-01-03" %% xsd:date cs:attr_last_confirmed "2025-01-02" %% xsd:date cs:attr_prev_address 00 Evans motorway, Parsonsmouth, N6J 3LR pl:created_at 2025-01-06T16:49:35.186907 ann20->n21 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n22 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n4 b6->n13 b7->n10 b8->n12 b9->n11 b10->n7 b11->n9 b12->n4 b13->n15 b14->n16 b15->n11 b16->n19 b17->n12 b18->n13 b19->n21 b20->n10