Provenance for Decision #53

Decided on: Jan. 22, 2025, 12:42 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:c618807e-a83f-4b35-a7a0-6d2b17e4f89d n3 app:applications/35 n2->n3 used b1 n2->b1 wasAssociatedWith ann2 prov:startTime 2025-01-21T12:19:18.759000+00:00 prov:endTime 2025-01-22T00:42:34.884000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n12 app:applicants/35 n3->n12 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 8, Elliot lock, Lake Kellyhaven, DT05 7JQ cs:attr_annual_income 109000 cs:attr_applicant_name Barbara Johnson-Jones cs:attr_dob "1962-11-02" %% xsd:date cs:attr_email_address farmerlorraine@example.org cs:attr_emp_length 44 cs:attr_emp_title Associate Professor cs:attr_home_ownership 4 cs:attr_phone_number +44115 4960876 cs:attr_prev_address 991 Mills expressway, Haywardberg, HS6 8JT pl:created_at 2025-01-21T12:19:18.759407 ann3->n3 n4 app:decisions/53 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 2025-01-22T00:42:34.884346 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:3bec13d3-cd4e-439e-badd-bac8f2fe6396 n6->n3 used n7 app:creditreports/53 n6->n7 used n9 app:records/198 n6->n9 used n11 app:records/197 n6->n11 used b8 n6->b8 wasAssociatedWith ann6 prov:startTime 2025-01-21T12:19:18.759000+00:00 prov:endTime 2025-01-22T00:42:34.884000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n14 app:providers/1 n7->n14 wasAttributedTo n15 uuid:1f83258a-e84e-4481-9f9c-3a141c77a3ab n7->n15 wasGeneratedBy b11 n7->b11 wasDerivedFrom b13 n7->b13 wasDerivedFrom b14 n7->b14 wasDerivedFrom b15 n7->b15 wasDerivedFrom b16 n7->b16 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 328 pl:created_at 2025-01-22T00:42:34.876334 ann7->n7 n8 app:models/creditcard_assessment n20 app:providers/15 n9->n20 wasAttributedTo ann8 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "559.89" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-01-22T00:42:34.883437 ann8->n9 n10 app:recommendations/53 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom ann9 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-01-22T00:42:34.884346 pl:reason cs:low_credit_score ann9->n10 n11->n20 wasAttributedTo ann10 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "559.89" %% xsd:float cs:attr_credit_limit "600.0" %% xsd:float cs:attr_month Mar-2024 cs:attr_payment_amount "39.45" %% xsd:float pl:created_at 2025-01-22T00:42:34.882671 ann10->n11 ann11 prov:label Barbara Johnson-Jones prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n12 n13 app:applications/35/id b10 n13->b10 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 8, Elliot lock, Lake Kellyhaven, DT05 7JQ cs:attr_applicant_name Barbara Johnson-Jones cs:attr_dob "1962-11-02" %% xsd:date cs:attr_prev_address 991 Mills expressway, Haywardberg, HS6 8JT 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 2025-01-22T00:42:34.876000+00:00 prov:endTime 2025-01-22T00:42:34.876000+00:00 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/195 n17->n16 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 8, Elliot lock, Lake Kellyhaven, DT05 7JQ cs:attr_from_date "2022-09-15" %% xsd:date pl:created_at 2024-12-31T00:00:00 ann16->n17 n18 app:providers/6 ann17 prov:label Three prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n18 n19 app:records/196 n19->n18 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 8, Elliot lock, Lake Kellyhaven, DT05 7JQ cs:attr_first_confirmed "2025-01-13" %% xsd:date cs:attr_last_confirmed "2024-02-07" %% xsd:date cs:attr_prev_address 991 Mills expressway, Haywardberg, HS6 8JT pl:created_at 2025-01-22T00:42:34.881241 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->n9 b5->n7 b6->n11 b7->n3 b8->n5 b8->n8 plan b9->n10 b10->n3 b11->n13 b12->n14 b13->n19 b14->n11 b15->n9 b16->n17