Provenance for Decision #99

Decided on: March 19, 2025, 11:11 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:0436634b-f54c-4dc6-bc74-c72c7bef0985 n4 app:applications/64 n2->n4 used b2 n2->b2 wasAssociatedWith ann2 prov:startTime 2025-03-14T12:43:39.436000+00:00 prov:endTime 2025-03-19T23:11:29.103000+00:00 prov:type cs:AssessingCreditApplication prov:type pl:MachineLedActivity ann2->n2 n3 app:decisions/99 n3->n1 wasAttributedTo n3->n2 wasGeneratedBy b1 n3->b1 wasDerivedFrom b12 n3->b12 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 2025-03-19T23:11:29.103562 pl:reason cs:low_credit_score ann3->n3 n15 app:applicants/64 n4->n15 wasAttributedTo ann4 prov:type cs:CreditCardApplication prov:type pl:Data prov:type pl:Request prov:type pl:SubjectData cs:attr_address 6 O'Neill street, Carolinemouth, TQ0 9FX cs:attr_annual_income 32000 cs:attr_applicant_name Sylvia Thomas cs:attr_dob "1985-08-03" %% xsd:date cs:attr_email_address hugh86@example.com cs:attr_emp_length 6 cs:attr_emp_title Network engineer cs:attr_home_ownership 4 cs:attr_phone_number +44(0)1414960816 cs:attr_prev_address 6 Cameron shores, South Stuart, IP27 1EH pl:created_at 2025-03-14T12:43:39.436049 ann4->n4 n5 app:machines/one b3 n5->b3 actedOnBehalfOf ann5 prov:type prov:SoftwareAgent ann5->n5 n6 uuid:777efe4f-6d47-4a7b-a370-33dee9a77262 n6->n4 used n7 app:creditreports/99 n6->n7 used n8 app:records/379 n6->n8 used n11 app:records/383 n6->n11 used n12 app:records/381 n6->n12 used n13 app:records/382 n6->n13 used n14 app:records/380 n6->n14 used b11 n6->b11 wasAssociatedWith ann6 prov:startTime 2025-03-14T12:43:39.436000+00:00 prov:endTime 2025-03-19T23:11:29.103000+00:00 prov:type cs:AutomatedAssessingCreditApplication prov:type pl:MachineLedActivity ann6->n6 n17 app:providers/1 n7->n17 wasAttributedTo n18 uuid:4ff1082a-8815-4b13-8088-ea775f6644fc n7->n18 wasGeneratedBy b14 n7->b14 wasDerivedFrom b16 n7->b16 wasDerivedFrom b17 n7->b17 wasDerivedFrom b18 n7->b18 wasDerivedFrom b19 n7->b19 wasDerivedFrom ann7 prov:type cs:CreditHistory prov:type pl:Data prov:type pl:ExternalData cs:credit_score 104 pl:created_at 2025-03-19T23:11:29.097553 ann7->n7 n9 app:models/creditcard_assessment n10 app:recommendations/99 n10->n5 wasAttributedTo n10->n6 wasGeneratedBy b4 n10->b4 wasDerivedFrom b5 n10->b5 wasDerivedFrom b6 n10->b6 wasDerivedFrom b7 n10->b7 wasDerivedFrom b8 n10->b8 wasDerivedFrom b9 n10->b9 wasDerivedFrom b10 n10->b10 wasDerivedFrom ann8 prov:type cs:AutomatedRecommendation prov:type pl:AutomatedRecommendation cs:credit_score_threshold 739 cs:recommendation cs:rejected pl:created_at 2025-03-19T23:11:29.103562 pl:reason cs:low_credit_score ann8->n10 n23 app:providers/14 n11->n23 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 "445.03" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Jul-2024 cs:attr_payment_amount "39.08" %% xsd:float pl:created_at 2025-03-19T23:11:29.102671 ann9->n11 n13->n23 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 "445.03" %% xsd:float cs:attr_credit_limit "500.0" %% xsd:float cs:attr_month Nov-2024 cs:attr_payment_amount "0.0" %% xsd:float pl:created_at 2025-03-19T23:11:29.101825 ann10->n13 ann11 prov:label Sylvia Thomas prov:type cs:Applicant prov:type pl:DataSubject prov:type prov:Person ann11->n15 n16 app:applications/64/id b13 n16->b13 wasDerivedFrom ann12 prov:type cs:PersonIdentifier prov:type pl:Data prov:type pl:SubjectData cs:attr_address 6 O'Neill street, Carolinemouth, TQ0 9FX cs:attr_applicant_name Sylvia Thomas cs:attr_dob "1985-08-03" %% xsd:date cs:attr_prev_address 6 Cameron shores, South Stuart, IP27 1EH ann12->n16 ann13 prov:label Credit Referencing Agency prov:type cs:CreditReferencingAgency prov:type pl:DataProvider ann13->n17 n18->n16 used b15 n18->b15 wasAssociatedWith ann14 prov:startTime 2025-03-19T23:11:29.097000+00:00 prov:endTime 2025-03-19T23:11:29.097000+00:00 prov:type cs:SearchingCreditHistory ann14->n18 n19 app:providers/2 ann15 prov:label The Electoral Commission prov:type cs:DataProvider prov:type cs:ElectoralAuthority ann15->n19 n20 app:records/377 n20->n19 wasAttributedTo ann16 prov:type cs:ElectoralRegisterEntry prov:type cs:IdentityRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 O'Neill street, Carolinemouth, TQ0 9FX cs:attr_from_date "2023-03-21" %% xsd:date pl:created_at 2025-02-23T00:00:00 ann16->n20 n21 app:providers/11 ann17 prov:label Sky prov:type cs:DataProvider prov:type cs:UtilityCompany ann17->n21 n22 app:records/378 n22->n21 wasAttributedTo ann18 prov:type cs:LinkedAddressRecord prov:type pl:Data prov:type pl:ExternalData cs:attr_address 6 O'Neill street, Carolinemouth, TQ0 9FX cs:attr_first_confirmed "2025-03-12" %% xsd:date cs:attr_last_confirmed "2024-05-09" %% xsd:date cs:attr_prev_address 6 Cameron shores, South Stuart, IP27 1EH pl:created_at 2025-03-19T00:36:52.599779 ann18->n22 ann19 prov:label A Credit Card Company prov:type cs:DataProvider prov:type cs:FinancialInstitution ann19->n23 b1->n4 b2->n1 b3->n1 b3->n6 activity b4->n4 b5->n13 b6->n12 b7->n14 b8->n8 b9->n7 b10->n11 b11->n5 b11->n9 plan b12->n10 b13->n4 b14->n16 b15->n17 b16->n22 b17->n13 b18->n11 b19->n20