Provenance for Decision #49

Decided on: Jan. 18, 2025, 4:02 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:19165d8d-0144-4dab-b4e3-0a945e09f12a n4 app:applications/33 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-01-16T08:55:51.160000+00:00 prov:endTime 2025-01-18T16:02:13.744000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/49 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b8 n3->b8 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 2025-01-18T16:02:13.744881 pl:reason cs:low_credit_score ann3->n3 n11 app:applicants/33 n4->n11 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Studio 04O, Emily cliff, Brownberg, TF76 7BF cs:attr_annual_income 69000 cs:attr_applicant_name Naomi Howard cs:attr_dob "1987-07-26" %% xsd:date cs:attr_email_address natalieellis@example.org cs:attr_emp_length 12 cs:attr_emp_title Environmental health practitioner cs:attr_home_ownership 1 cs:attr_phone_number 01614960921 cs:attr_prev_address 3 Jones ferry, Jillport, S08 8RZ pl:created_at 2025-01-16T08:55:51.160044 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:5c860b1a-4ec4-48f6-a8fb-a0a1c557b6c4 n6->n4 used n8 app:records/187 n6->n8 used n9 app:creditreports/49 n6->n9 used b7 n6->b7 wasAssociatedWith ann6 prov:startTime 2025-01-16T08:55:51.160000+00:00 prov:endTime 2025-01-18T16:02:13.744000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n19 app:providers/14 n8->n19 wasAttributedTo ann7 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "648.28" %% xsd:float cs:attr_credit_limit "1100.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-18T16:02:13.743884 ann7->n8 n13 app:providers/1 n9->n13 wasAttributedTo n14 uuid:26f0e8ab-cc00-4e79-a50e-c1121c2c2a01 n9->n14 wasGeneratedBy b11 n9->b11 wasDerivedFrom b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 409 pl:created_at 2025-01-18T16:02:13.737502 ann8->n9 n10 app:recommendations/49 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-18T16:02:13.744881 pl:reason cs:low_credit_score ann9->n10 ann10 prov:label Naomi Howard prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann10->n11 n12 app:applications/33/id b9 n12->b9 wasDerivedFrom ann11 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Studio 04O, Emily cliff, Brownberg, TF76 7BF cs:attr_applicant_name Naomi Howard cs:attr_dob "1987-07-26" %% xsd:date cs:attr_prev_address 3 Jones ferry, Jillport, S08 8RZ ann11->n12 ann12 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann12->n13 n14->n12 used b10 n14->b10 wasAssociatedWith ann13 prov:startTime 2025-01-18T16:02:13.737000+00:00 prov:endTime 2025-01-18T16:02:13.737000+00:00 prov:type cs:SearchingCreditHistory ann13->n14 n15 app:providers/2 ann14 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann14->n15 n16 app:records/185 n16->n15 wasAttributedTo ann15 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 04O, Emily cliff, Brownberg, TF76 7BF cs:attr_from_date "2023-01-18" %% xsd:date pl:created_at 2025-01-12T00:00:00 ann15->n16 n17 app:providers/5 ann16 prov:label Vodafone prov:type cs:DataProvider prov:type cs:UtilityCompany ann16->n17 n18 app:records/186 n18->n17 wasAttributedTo ann17 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Studio 04O, Emily cliff, Brownberg, TF76 7BF cs:attr_first_confirmed "2025-01-14" %% xsd:date cs:attr_last_confirmed "2024-09-02" %% xsd:date cs:attr_prev_address 3 Jones ferry, Jillport, S08 8RZ pl:created_at 2025-01-18T16:02:13.742447 ann17->n18 ann18 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann18->n19 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n8 b5->n9 b6->n4 b7->n5 b7->n7 plan b8->n10 b9->n4 b10->n13 b11->n12 b12->n18 b13->n8 b14->n16