Provenance for Decision #513

Decided on: Oct. 24, 2025, 7:42 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:9ad48233-c0d3-4dcc-8e04-54e71198099b n4 app:applications/255 n2->n4 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-10-23T07:39:08.210000+01:00 prov:endTime 2025-10-24T07:42:50.120000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/513 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b2 n3->b2 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 2025-10-24T07:42:50.120314 pl:reason cs:low_credit_score ann3->n3 n13 app:applicants/255 n4->n13 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 2 Martin brook, South Patricia, N38 7TR cs:attr_annual_income 72000 cs:attr_applicant_name Gail Walton cs:attr_dob "1973-10-06" %% xsd:date cs:attr_email_address payneholly@example.net cs:attr_emp_length 25 cs:attr_emp_title Teacher, adult education cs:attr_home_ownership 2 cs:attr_phone_number 01184960545 cs:attr_prev_address 2 Vincent shores, Susanberg, SW6 2DY pl:created_at 2025-10-23T07:39:08.210496 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:97280512-0d16-496f-b8b6-e0c8d2f9be90 n6->n4 used n7 app:records/1791 n6->n7 used n10 app:records/1790 n6->n10 used n11 app:records/1789 n6->n11 used n12 app:creditreports/513 n6->n12 used b9 n6->b9 wasAssociatedWith ann6 prov:startTime 2025-10-23T07:39:08.210000+01:00 prov:endTime 2025-10-24T07:42:50.120000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n21 app:providers/15 n7->n21 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 "1018.39" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Feb-2025 cs:attr_payment_amount "40.28" %% xsd:float pl:created_at 2025-10-24T07:42:50.119429 ann7->n7 n8 app:models/creditcard_assessment n9 app:recommendations/513 n9->n5 wasAttributedTo n9->n6 wasGeneratedBy b4 n9->b4 wasDerivedFrom b5 n9->b5 wasDerivedFrom b6 n9->b6 wasDerivedFrom b7 n9->b7 wasDerivedFrom b8 n9->b8 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-10-24T07:42:50.120314 pl:reason cs:low_credit_score ann8->n9 n10->n21 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 "1018.39" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Jan-2025 cs:attr_payment_amount "40.61" %% xsd:float pl:created_at 2025-10-24T07:42:50.118830 ann9->n10 n11->n21 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 "1018.39" %% xsd:float cs:attr_credit_limit "2900.0" %% xsd:float cs:attr_month Sep-2025 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-10-24T07:42:50.118077 ann10->n11 n15 app:providers/1 n12->n15 wasAttributedTo n16 uuid:4385c27a-eb30-4e0a-acf3-38d75a000bcd n12->n16 wasGeneratedBy b12 n12->b12 wasDerivedFrom b14 n12->b14 wasDerivedFrom b15 n12->b15 wasDerivedFrom b16 n12->b16 wasDerivedFrom b17 n12->b17 wasDerivedFrom b18 n12->b18 wasDerivedFrom ann11 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 105 pl:created_at 2025-10-24T07:42:50.111612 ann11->n12 ann12 prov:label Gail Walton prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann12->n13 n14 app:applications/255/id b11 n14->b11 wasDerivedFrom ann13 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 2 Martin brook, South Patricia, N38 7TR cs:attr_applicant_name Gail Walton cs:attr_dob "1973-10-06" %% xsd:date cs:attr_prev_address 2 Vincent shores, Susanberg, SW6 2DY ann13->n14 ann14 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann14->n15 n16->n14 used b13 n16->b13 wasAssociatedWith ann15 prov:startTime 2025-10-24T07:42:50.111000+01:00 prov:endTime 2025-10-24T07:42:50.111000+01:00 prov:type cs:SearchingCreditHistory ann15->n16 n17 app:providers/2 ann16 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann16->n17 n18 app:records/1787 n18->n17 wasAttributedTo ann17 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Martin brook, South Patricia, N38 7TR cs:attr_from_date "2025-08-23" %% xsd:date pl:created_at 2025-10-15T00:00:00 ann17->n18 n19 app:providers/6 ann18 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/1788 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 2 Martin brook, South Patricia, N38 7TR cs:attr_first_confirmed "2025-10-09" %% xsd:date cs:attr_last_confirmed "2025-06-29" %% xsd:date cs:attr_prev_address 2 Vincent shores, Susanberg, SW6 2DY pl:created_at 2025-10-24T07:42:50.116659 ann19->n20 ann20 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann20->n21 b1->n1 b2->n4 b3->n1 b3->n6 activity b4->n11 b5->n10 b6->n7 b7->n4 b8->n12 b9->n5 b9->n8 plan b10->n9 b11->n4 b12->n14 b13->n15 b14->n11 b15->n20 b16->n18 b17->n10 b18->n7