Provenance for Decision #46

Decided on: Jan. 13, 2025, 4:33 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:9f597b97-feb9-4a18-b030-06207d69cb61 n3 app:applications/30 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-01-03T23:07:26.785000+00:00 prov:endTime 2025-01-13T16:33:17.317000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/30 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 8, Robinson mountain, Paulaborough, DD4 8HF cs:attr_annual_income 99000 cs:attr_applicant_name Wayne Smith cs:attr_dob "2003-10-17" %% xsd:date cs:attr_email_address reynoldsdaniel@example.org cs:attr_emp_length 3 cs:attr_emp_title Musician cs:attr_home_ownership 3 cs:attr_phone_number 0131 4960907 cs:attr_prev_address Flat 80K, Adam summit, Pottsland, BD48 9WW pl:created_at 2025-01-03T23:07:26.785699 ann3->n3 n4 app:decisions/46 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b2 n4->b2 wasDerivedFrom b9 n4->b9 wasDerivedFrom ann4 prov:type cs:CreditDecision prov:type pl:AutomatedDecision prov:type pl:Decision prov:type pl:RejectionDecision cs:result cs:rejected pl:created_at 2025-01-13T16:33:17.317044 pl:reason cs:low_credit_score ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:ef991a29-3425-47d5-8aa8-93caa1ebf0a1 n6->n3 used n7 app:records/178 n6->n7 used n9 app:records/179 n6->n9 used n10 app:creditreports/46 n6->n10 used b4 n6->b4 wasAssociatedWith ann6 prov:startTime 2025-01-03T23:07:26.785000+00:00 prov:endTime 2025-01-13T16:33:17.317000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n20 app:providers/14 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 "2536.73" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "41.88" %% xsd:float pl:created_at 2025-01-13T16:33:17.315430 ann7->n7 n8 app:models/creditcard_assessment n9->n20 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 "2536.73" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-13T16:33:17.316149 ann8->n9 n14 app:providers/1 n10->n14 wasAttributedTo n15 uuid:238d083f-f373-4ac0-9bbc-1826950851f5 n10->n15 wasGeneratedBy b11 n10->b11 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 613 pl:created_at 2025-01-13T16:33:17.309025 ann9->n10 n11 app:recommendations/46 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann10 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-13T16:33:17.317044 pl:reason cs:low_credit_score ann10->n11 ann11 prov:label Wayne Smith prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/30/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 8, Robinson mountain, Paulaborough, DD4 8HF cs:attr_applicant_name Wayne Smith cs:attr_dob "2003-10-17" %% xsd:date cs:attr_prev_address Flat 80K, Adam summit, Pottsland, BD48 9WW ann12->n13 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n14 n15->n13 used b12 n15->b12 wasAssociatedWith ann14 prov:startTime 2025-01-13T16:33:17.309000+00:00 prov:endTime 2025-01-13T16:33:17.309000+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/176 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 8, Robinson mountain, Paulaborough, DD4 8HF cs:attr_from_date "2024-10-14" %% xsd:date pl:created_at 2024-12-26T00:00:00 ann16->n17 n18 app:providers/12 ann17 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/177 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 8, Robinson mountain, Paulaborough, DD4 8HF cs:attr_first_confirmed "2025-01-01" %% xsd:date cs:attr_last_confirmed "2024-11-02" %% xsd:date cs:attr_prev_address Flat 80K, Adam summit, Pottsland, BD48 9WW pl:created_at 2025-01-13T16:33:17.313997 ann18->n19 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n5 b4->n8 plan b5->n3 b6->n7 b7->n9 b8->n10 b9->n11 b10->n3 b11->n13 b12->n14 b13->n19 b14->n7 b15->n9 b16->n17