Provenance for Decision #48

Decided on: Jan. 18, 2025, 11:52 a.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:3ebe3e67-f658-4119-96ab-1b6a6dc114a7 n4 app:applications/32 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2025-01-18T11:52:59.880000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/48 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b10 n3->b10 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 2025-01-18T11:52:59.880973 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/32 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_annual_income 40000 cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_email_address lbishop@example.com cs:attr_emp_length 1 cs:attr_emp_title Doctor, hospital cs:attr_home_ownership 1 cs:attr_phone_number 020 7946 0691 cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T11:40:34.952227 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:47ccf200-d25c-4cf5-a379-fedc3f349464 n6->n4 used n8 app:creditreports/48 n6->n8 used n9 app:records/183 n6->n9 used n10 app:records/184 n6->n10 used n12 app:records/182 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-01-15T11:40:34.952000+00:00 prov:endTime 2025-01-18T11:52:59.880000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n15 app:providers/1 n8->n15 wasAttributedTo n16 uuid:6f52c031-44c8-4f01-a7e7-0298d5497fa5 n8->n16 wasGeneratedBy b12 n8->b12 wasDerivedFrom b14 n8->b14 wasDerivedFrom b15 n8->b15 wasDerivedFrom b16 n8->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 337 pl:created_at 2025-01-18T11:52:59.876128 ann7->n8 n21 app:providers/15 n10->n21 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 "336.89" %% xsd:float cs:attr_credit_limit "2400.0" %% xsd:float cs:attr_month Jun-2024 cs:attr_payment_amount "18.94" %% xsd:float pl:created_at 2025-01-18T11:52:59.879916 ann8->n10 n11 app:recommendations/48 n11->n5 wasAttributedTo n11->n6 wasGeneratedBy b4 n11->b4 wasDerivedFrom b5 n11->b5 wasDerivedFrom b6 n11->b6 wasDerivedFrom b7 n11->b7 wasDerivedFrom b8 n11->b8 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-18T11:52:59.880973 pl:reason cs:low_credit_score ann9->n11 ann10 prov:label Natasha Foster prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n13 n14 app:applications/32/id b11 n14->b11 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_applicant_name Natasha Foster cs:attr_dob "2002-12-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ ann11->n14 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann13 prov:startTime 2025-01-18T11:52:59.876000+00:00 prov:endTime 2025-01-18T11:52:59.876000+00:00 prov:type cs:SearchingCreditHistory ann13->n16 n17 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n17 n18 app:records/180 n18->n17 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_from_date "2023-12-01" %% xsd:date pl:created_at 2024-12-16T00:00:00 ann15->n18 n19 app:providers/12 ann16 prov:label TalkTalk prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n19 n20 app:records/181 n20->n19 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 4 Baxter path, Johnberg, S9C 4UF cs:attr_first_confirmed "2025-01-04" %% xsd:date cs:attr_last_confirmed "2024-08-08" %% xsd:date cs:attr_prev_address Flat 69t, Glenn shores, Newmanville, S18 9SZ pl:created_at 2025-01-15T12:11:07.167925 ann17->n20 ann18 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n21 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n9 b5->n4 b6->n10 b7->n8 b8->n12 b9->n5 b9->n7 plan b10->n11 b11->n4 b12->n14 b13->n15 b14->n20 b15->n10 b16->n18