Provenance for Decision #724

Decided on: May 8, 2023, 4:25 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:5eeaa68b-7067-4dc2-bba7-49fa50a66bdd n3 app:applications/313 n2->n3 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2023-05-08T16:18:26.932000+01:00 prov:endTime 2023-05-08T16:25:25.629000+01:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n14 app:applicants/313 n3->n14 wasAttributedTo ann3 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address Flat 60, Morris ford, Annview, NR6 7LS cs:attr_annual_income 102000 cs:attr_applicant_name Rhys Jackson cs:attr_dob "1971-01-29" %% xsd:date cs:attr_email_address ecross@example.net cs:attr_emp_length 15 cs:attr_emp_title Architectural technologist cs:attr_home_ownership 1 cs:attr_phone_number 01314960804 cs:attr_prev_address 96 Alexandra ford, East Carltown, IP95 4AF pl:created_at 2023-05-08T16:18:26.932123 ann3->n3 n4 app:decisions/724 n4->n1 wasAttributedTo n4->n2 wasGeneratedBy b1 n4->b1 wasDerivedFrom b11 n4->b11 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 2023-05-08T16:25:25.629467 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:f668139c-e1e2-47c8-b31e-fd9cb82e681f n6->n3 used n9 app:records/2411 n6->n9 used n10 app:records/2412 n6->n10 used n11 app:records/2413 n6->n11 used n12 app:records/2414 n6->n12 used n13 app:creditreports/724 n6->n13 used b10 n6->b10 wasAssociatedWith ann6 prov:startTime 2023-05-08T16:18:26.932000+01:00 prov:endTime 2023-05-08T16:25:25.629000+01:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n7 app:models/creditcard_assessment n8 app:recommendations/724 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 b9 n8->b9 wasDerivedFrom ann7 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2023-05-08T16:25:25.629467 pl:reason cs:low_credit_score ann7->n8 n18 app:providers/15 n9->n18 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 "2050.02" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Feb-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2023-05-08T16:25:25.621609 ann8->n9 n10->n18 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 "2050.02" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Dec-2022 cs:attr_payment_amount "101.77" %% xsd:float pl:created_at 2023-05-08T16:25:25.623530 ann9->n10 n11->n18 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 "2050.02" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Mar-2023 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2023-05-08T16:25:25.625217 ann10->n11 n12->n18 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 "2050.02" %% xsd:float cs:attr_credit_limit "2700.0" %% xsd:float cs:attr_month Jul-2022 cs:attr_payment_amount "5.83" %% xsd:float pl:created_at 2023-05-08T16:25:25.626825 ann11->n12 n16 app:providers/1 n13->n16 wasAttributedTo n17 uuid:d808f89a-0072-4f79-bb75-5bd5f32e78ce n13->n17 wasGeneratedBy b13 n13->b13 wasDerivedFrom b15 n13->b15 wasDerivedFrom b16 n13->b16 wasDerivedFrom b17 n13->b17 wasDerivedFrom b18 n13->b18 wasDerivedFrom b19 n13->b19 wasDerivedFrom b20 n13->b20 wasDerivedFrom ann12 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 487 pl:created_at 2023-05-08T16:25:25.605927 ann12->n13 ann13 prov:label Rhys Jackson prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann13->n14 n15 app:applications/313/id b12 n15->b12 wasDerivedFrom ann14 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address Flat 60, Morris ford, Annview, NR6 7LS cs:attr_applicant_name Rhys Jackson cs:attr_dob "1971-01-29" %% xsd:date cs:attr_prev_address 96 Alexandra ford, East Carltown, IP95 4AF ann14->n15 ann15 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann15->n16 n17->n15 used b14 n17->b14 wasAssociatedWith ann16 prov:startTime 2023-05-08T16:25:25.605000+01:00 prov:endTime 2023-05-08T16:25:25.605000+01:00 prov:type cs:SearchingCreditHistory ann16->n17 ann17 prov:label A Bank prov:type cs:DataProvider prov:type cs:FinancialInstitution ann17->n18 n19 app:providers/9 ann18 prov:label GiffGaff prov:type cs:DataProvider prov:type cs:UtilityCompany ann18->n19 n20 app:records/2410 n20->n19 wasAttributedTo ann19 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 60, Morris ford, Annview, NR6 7LS cs:attr_first_confirmed "2023-04-29" %% xsd:date cs:attr_last_confirmed "2022-08-28" %% xsd:date cs:attr_prev_address 96 Alexandra ford, East Carltown, IP95 4AF pl:created_at 2023-05-08T16:25:25.617298 ann19->n20 n21 app:providers/2 ann20 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann20->n21 n22 app:records/2409 n22->n21 wasAttributedTo ann21 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address Flat 60, Morris ford, Annview, NR6 7LS cs:attr_from_date "2022-08-29" %% xsd:date pl:created_at 2023-04-11T00:00:00 ann21->n22 b1->n3 b2->n1 b3->n1 b3->n6 activity b4->n12 b5->n13 b6->n10 b7->n11 b8->n3 b9->n9 b10->n5 b10->n7 plan b11->n8 b12->n3 b13->n15 b14->n16 b15->n11 b16->n12 b17->n10 b18->n9 b19->n20 b20->n22