Provenance for Decision #505

Decided on: Nov. 20, 2022, 10:16 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:e2397fa1-a465-4b88-9a23-d633a8912cca n3 app:applications/257 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2022-11-20T22:16:04.055000+00:00 prov:endTime 2022-11-20T22:16:06.328000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n13 app:applicants/257 n3->n13 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 0 Darren locks, Frankhaven, M76 4UZ cs:attr_annual_income 102000 cs:attr_applicant_name Alice Porter-Cooper cs:attr_dob "1983-12-30" %% xsd:date cs:attr_email_address max84@example.org cs:attr_emp_length 7 cs:attr_emp_title English as a foreign language teacher cs:attr_home_ownership 4 cs:attr_phone_number 0118 496 0716 cs:attr_prev_address 10 Georgina crescent, Liambury, MK75 6FB pl:created_at 2022-11-20T22:16:04.055272 ann3->n3 n4 app:decisions/505 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b10 n4->b10 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 2022-11-20T22:16:06.328522 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:12706430-7179-4739-a2a4-fac5cdd4a125 n6->n3 used n7 app:creditreports/505 n6->n7 used n10 app:records/1763 n6->n10 used n11 app:records/1764 n6->n11 used n12 app:records/1765 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2022-11-20T22:16:04.055000+00:00 prov:endTime 2022-11-20T22:16:06.328000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n15 app:providers/1 n7->n15 wasAttributedTo n16 uuid:bd6fa7bb-3ce3-40a9-981f-b17c7726334e n7->n16 wasGeneratedBy b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 473 pl:created_at 2022-11-20T22:16:06.195931 ann7->n7 n8 app:recommendations/505 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom b8 n8->b8 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2022-11-20T22:16:06.328522 pl:reason cs:low_credit_score ann8->n8 n9 app:models/creditcard_assessment n17 app:providers/15 n10->n17 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 "486.49" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Feb-2022 cs:attr_payment_amount "10.1" %% xsd:float pl:created_at 2022-11-20T22:16:06.309316 ann9->n10 n11->n17 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "486.49" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month May-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-11-20T22:16:06.324521 ann10->n11 n12->n17 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "486.49" %% xsd:float cs:attr_credit_limit "700.0" %% xsd:float cs:attr_month Nov-2022 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2022-11-20T22:16:06.326018 ann11->n12 ann12 prov:label Alice Porter-Cooper prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/257/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 0 Darren locks, Frankhaven, M76 4UZ cs:attr_applicant_name Alice Porter-Cooper cs:attr_dob "1983-12-30" %% xsd:date cs:attr_prev_address 10 Georgina crescent, Liambury, MK75 6FB ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b12 n16->b12 wasAssociatedWith ann15 prov:startTime 2022-11-20T22:16:06.195000+00:00 prov:endTime 2022-11-20T22:16:06.195000+00:00 prov:type cs:SearchingCreditHistory ann15->n16 ann16 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann16->n17 n18 app:providers/10 ann17 prov:label BT prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1762 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Darren locks, Frankhaven, M76 4UZ cs:attr_first_confirmed "2022-11-06" %% xsd:date cs:attr_last_confirmed "2021-12-06" %% xsd:date cs:attr_prev_address 10 Georgina crescent, Liambury, MK75 6FB pl:created_at 2022-11-20T22:16:06.297929 ann18->n19 n20 app:providers/2 ann19 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann19->n20 n21 app:records/1761 n21->n20 wasAttributedTo ann20 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 0 Darren locks, Frankhaven, M76 4UZ cs:attr_from_date "2020-03-16" %% xsd:date pl:created_at 2022-11-11T00:00:00 ann20->n21 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n7 b5->n11 b6->n12 b7->n3 b8->n10 b9->n5 b9->n9 plan b10->n8 b11->n3 b12->n15 b13->n14 b14->n11 b15->n12 b16->n10 b17->n21 b18->n19