Provenance for Decision #71

Decided on: Feb. 17, 2025, 6:03 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:db332647-f805-40dd-83e7-122a55fbce6c n3 app:applications/49 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-02-14T18:10:30.433000+00:00 prov:endTime 2025-02-17T18:03:13.416000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n18 app:applicants/49 n3->n18 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 66 Patricia tunnel, Port Stanley, WF20 2DB cs:attr_annual_income 10000 cs:attr_applicant_name Anna Evans cs:attr_dob "1979-06-16" %% xsd:date cs:attr_email_address andrewsutton@example.org cs:attr_emp_length 15 cs:attr_emp_title Conference centre manager cs:attr_home_ownership 3 cs:attr_phone_number 01164960356 cs:attr_prev_address 04 Terence stream, Lynnechester, WR7 0GP pl:created_at 2025-02-14T18:10:30.433016 ann3->n3 n4 app:decisions/71 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b15 n4->b15 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 2025-02-17T18:03:13.416089 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:99045247-6235-4963-a8d0-62d07f6574c9 n6->n3 used n7 app:records/279 n6->n7 used n8 app:records/277 n6->n8 used n11 app:records/278 n6->n11 used n12 app:records/276 n6->n12 used n13 app:records/282 n6->n13 used n14 app:records/283 n6->n14 used n15 app:records/280 n6->n15 used n16 app:records/281 n6->n16 used n17 app:creditreports/71 n6->n17 used b14 n6->b14 wasAssociatedWith ann6 prov:startTime 2025-02-14T18:10:30.433000+00:00 prov:endTime 2025-02-17T18:03:13.416000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n9 app:recommendations/71 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 b9 n9->b9 wasDerivedFrom b10 n9->b10 wasDerivedFrom b11 n9->b11 wasDerivedFrom b12 n9->b12 wasDerivedFrom b13 n9->b13 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-02-17T18:03:13.416089 pl:reason cs:low_credit_score ann7->n9 n10 app:models/creditcard_assessment n26 app:providers/15 n13->n26 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 "1092.38" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Aug-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-17T18:03:13.414591 ann8->n13 n14->n26 wasAttributedTo ann9 prov:type cs:CreditRecord prov:type csd:MissedPayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1092.38" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-17T18:03:13.415150 ann9->n14 n15->n26 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 "1092.38" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Dec-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-02-17T18:03:13.413142 ann10->n15 n16->n26 wasAttributedTo ann11 prov:type cs:CreditRecord prov:type csd:LatePayment prov:type pl:Data prov:type pl:ExternalData cs:attr_account Everyday Creditcard cs:attr_balance "1092.38" %% xsd:float cs:attr_credit_limit "1900.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "39.18" %% xsd:float pl:created_at 2025-02-17T18:03:13.413988 ann11->n16 n20 app:providers/1 n17->n20 wasAttributedTo n21 uuid:6049db2f-1df3-4693-bfea-4266aaf116eb n17->n21 wasGeneratedBy b17 n17->b17 wasDerivedFrom b19 n17->b19 wasDerivedFrom b20 n17->b20 wasDerivedFrom b21 n17->b21 wasDerivedFrom b22 n17->b22 wasDerivedFrom b23 n17->b23 wasDerivedFrom b24 n17->b24 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 451 pl:created_at 2025-02-17T18:03:13.408965 ann12->n17 ann13 prov:label Anna Evans prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n18 n19 app:applications/49/id b16 n19->b16 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 66 Patricia tunnel, Port Stanley, WF20 2DB cs:attr_applicant_name Anna Evans cs:attr_dob "1979-06-16" %% xsd:date cs:attr_prev_address 04 Terence stream, Lynnechester, WR7 0GP ann14->n19 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n20 n21->n19 used b18 n21->b18 wasAssociatedWith ann16 prov:startTime 2025-02-17T18:03:13.408000+00:00 prov:endTime 2025-02-17T18:03:13.408000+00:00 prov:type cs:SearchingCreditHistory ann16->n21 n22 app:providers/2 ann17 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann17->n22 n23 app:records/274 n23->n22 wasAttributedTo ann18 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 66 Patricia tunnel, Port Stanley, WF20 2DB cs:attr_from_date "2023-12-27" %% xsd:date pl:created_at 2025-01-30T00:00:00 ann18->n23 n24 app:providers/11 ann19 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann19->n24 n25 app:records/275 n25->n24 wasAttributedTo ann20 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 66 Patricia tunnel, Port Stanley, WF20 2DB cs:attr_first_confirmed "2025-01-27" %% xsd:date cs:attr_last_confirmed "2024-05-04" %% xsd:date cs:attr_prev_address 04 Terence stream, Lynnechester, WR7 0GP pl:created_at 2025-02-17T02:13:41.306410 ann20->n25 ann21 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann21->n26 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n16 b5->n8 b6->n12 b7->n17 b8->n14 b9->n13 b10->n11 b11->n7 b12->n15 b13->n3 b14->n5 b14->n10 plan b15->n9 b16->n3 b17->n19 b18->n20 b19->n25 b20->n23 b21->n14 b22->n13 b23->n15 b24->n16