Provenance for Decision #512

Decided on: Oct. 24, 2025, 7:39 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:bc4f3a09-20ed-4296-a1bc-2ebe2200b499 n3 app:applications/256 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-24T07:23:26.220000+01:00 prov:endTime 2025-10-24T07:39:53.831000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/256 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 5 Pugh burgs, Glenfort, E8 9LB cs:attr_annual_income 12000 cs:attr_applicant_name Fiona White cs:attr_dob "1958-10-22" %% xsd:date cs:attr_email_address leon80@example.com cs:attr_emp_length 24 cs:attr_emp_title Biomedical engineer cs:attr_home_ownership 4 cs:attr_phone_number +44(0)131 4960347 cs:attr_prev_address 439 Hurst mews, North Jessica, LE94 8LR pl:created_at 2025-10-24T07:23:26.220123 ann3->n3 n4 app:decisions/512 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 2025-10-24T07:39:53.831919 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:3a099a90-364a-4774-9c1f-b38a6e3f6bfd n6->n3 used n9 app:creditreports/512 n6->n9 used n10 app:records/1785 n6->n10 used n11 app:records/1786 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-10-24T07:23:26.220000+01:00 prov:endTime 2025-10-24T07:39:53.831000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/512 n8->n5 wasAttributedTo n8->n6 wasGeneratedBy b4 n8->b4 wasDerivedFrom b5 n8->b5 wasDerivedFrom b6 n8->b6 wasDerivedFrom b7 n8->b7 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-24T07:39:53.831919 pl:reason cs:low_credit_score ann7->n8 n14 app:providers/1 n9->n14 wasAttributedTo n15 uuid:c5b2038c-6c08-4937-8c54-e0972af0c7bb n9->n15 wasGeneratedBy b11 n9->b11 wasDerivedFrom b13 n9->b13 wasDerivedFrom b14 n9->b14 wasDerivedFrom b15 n9->b15 wasDerivedFrom b16 n9->b16 wasDerivedFrom ann8 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 351 pl:created_at 2025-10-24T07:39:53.823616 ann8->n9 n20 app:providers/15 n10->n20 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 "1157.45" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month May-2025 cs:attr_payment_amount "50.19" %% xsd:float pl:created_at 2025-10-24T07:39:53.830239 ann9->n10 n11->n20 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 "1157.45" %% xsd:float cs:attr_credit_limit "2600.0" %% xsd:float cs:attr_month Oct-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-24T07:39:53.830998 ann10->n11 ann11 prov:label Fiona White prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/256/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 5 Pugh burgs, Glenfort, E8 9LB cs:attr_applicant_name Fiona White cs:attr_dob "1958-10-22" %% xsd:date cs:attr_prev_address 439 Hurst mews, North Jessica, LE94 8LR 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 2025-10-24T07:39:53.823000+01:00 prov:endTime 2025-10-24T07:39:53.823000+01:00 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/1783 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Pugh burgs, Glenfort, E8 9LB cs:attr_from_date "2023-12-17" %% xsd:date pl:created_at 2025-10-15T00:00:00 ann16->n17 n18 app:providers/11 ann17 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/1784 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 5 Pugh burgs, Glenfort, E8 9LB cs:attr_first_confirmed "2025-10-03" %% xsd:date cs:attr_last_confirmed "2025-04-25" %% xsd:date cs:attr_prev_address 439 Hurst mews, North Jessica, LE94 8LR pl:created_at 2025-10-24T07:39:53.828737 ann18->n19 ann19 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n20 b1->n1 b2->n3 b3->n1 b3->n6 activity b4->n3 b5->n9 b6->n11 b7->n10 b8->n5 b8->n7 plan b9->n8 b10->n3 b11->n13 b12->n14 b13->n19 b14->n10 b15->n11 b16->n17